Best Horror Movies on Tubi Right Now
Best Horror Movies on Tubi Right Now
Originally published at https://www.joblo.com/best-horror-movies-on-tubi-right-now/
Best Horror Movies on Tubi Right Now
Originally published at https://www.joblo.com/best-horror-movies-on-tubi-right-now/
The year was 2001, in the wake of the terrorist attacks of September 11, many studios struggled to find the proper way to market and release their films while still being sensitive to what had just happened. Many films were moved off their original release dates to give the studios, and audiences, more time to figure out the proper way forward. One film, however, was deemed a slam dunk: a feel good story about a man who loses his memory and is taken in by the people of a small town when they assume him to be a long lost son and World War II hero, set against the backdrop of the Hollywood Communist witch hunt of the 1950’s from a respected Oscar nominated filmmaker and starring a lead actor who was in the midst of a dramatic left turn in his career with back to back Golden Globe wins for Best Actor. Of course, when the film was released, talks of Oscar nominations were quickly replaced with questions of how it could all go so wrong. It’s time to kick back with a bucket of movie theater popcorn as we answer the question: WTF Happened to The Majestic?!
Frank Darabont was just your average person, born in a refugee camp in France in 1959 to parents who fled Hungary during the 1956 Hungarian Revolution before his entire family, all five brothers, four sisters and three cousins immigrated to Los Angeles after a short stint in Chicago. As a teen he would attend the famed Hollywood High School where he would meet and form a lifelong friendship with writer Michael Sloane, a friendship that will come in to play momentarily.
After high school, Darabont skipped out on college, electing to follow his love of movies to a job at the renowned Grauman’s Chinese Theater where he worked as a concession employee and usher, no doubt a place where he developed a deep admiration for old school movie theaters.
Darabont would kick off his movie career as a production assistant on films such as Hell Night (1981) and The Seduction (1982)before writing and directing the short film The Woman in the Room (1983) which was an adaptation of a short story of the same name by Stephen King. King granted permission to Darabont as part of his Dollar Baby Initiative which grants permission to students and aspiring filmmakers to adapt one of his short stories for just $1. Darabont simply wrote King a query letter asking for permission, and King granted it. The endeavor proved a successful one as the short film was a semi-finalist at that years Academy Awards. Although Darabont says he was unhappy with how that filmed turned out, King wasn’t, and he gave Darabont the rights to another one of his short stories: Rita Hayworth and Shawshank Redemption.
After making his feature directorial debut with the TV movie Buried Alive, Darabont would go on to write for The Young Indiana Jones Chroniclesbefore finally finding time to adapt the now shortened titled The Shawshank Redemption. Despite the film being hailed by many as the greatest movie ever made, at the time of its release it was actually a pretty notorious bomb, pulling in just $16 million off a $25 million budget. Of course critics raved about the film and those raves would help the film ride a wave of success to the Academy Awards where it was nominated for six oscars including Best Adapted Screenplay for Darabont.
Darabont would follow that up with another prison based Stephen King adaptation: The Green Mile. It would be during the production of this film that Darabont’s old friend Michael Sloane presented him with an original script he had written titled: The Bijou. Darabont loved the script, comparing it to the films of the great Frank Capra. He agreed to get to work on the project as soon as he finished with The Green Mile.Of course in the time between the projects, Darabont’s stock would rise yet again as The Green Milewent on to be a box office smash with nearly $270 million worldwide with Darabont adding another two Academy Award nominations to his name when the film was nominated for Best Picture and Best Adapted Screenplay.
True to his word, Darabont got immediately to work on The Bijou although the film would ultimately change its name to The Majestic after it was believed that Bijou was a little too obscure of a name with some saying they believed the reason Darabont’s Shawshank Redemption didn’t perform better at the box office was due to the name also being a bit obscure. I guess the name Majestic is just more… majestic!
With a script and title in place, it came time to cast. Darabont first offered the lead role of Peter Appleton to his Green Mile star Tom Hanks who turned it down, they then offered the role to Matt Damon who turned the role down so he could star in The Bourne Identity,which in hindsight, was 100% the right decision! Of course Damon would still remain a part of the project as he provides the voice of Luke Trimble towards the end of the film when the farewell letter is read. And that farewell letter wasn’t just a piece of great fiction writing, it is actually pieces of a real letter sent in 1861 from a Major Sullivan Ballou to his wife, a week before he was killed at the First Battle of Bull Run by Confederate Forces during the Civil War.
Jim Carrey was just a simple Canadian boy who grew up to be a stand up comedian who would gain national attention on the hit sketch comedy series In Living Color before making the successful transition to the big screen in 1994 with three films that are now considered comedy classics: Ace Ventura: Pet Detective, The Mask and Dumb and Dumber. For many, Jim Carrey was the funniest man in America, something that apparently Tommy lee Jones was no fan of when he flat out told Carrey that he didn’t like him while shooting Batman Forever. The success of Jim Carrey as a leading man would lead to him becoming the first actor to ever receive a $20 million payday when he took on the lead role in the under-performing and under-rated Ben Stiller directed The Cable Guy. But even though that film didn’t light up the box office, what it did do was show that Carrey could be effective taking on darker and more dramatic roles. This would lead to him being cast in the more drama centric film Simon Birch as well as taking on the lead role in the Peter Weir directed The Truman Show. Carrey earned rave reviews for his comedic, yet subdued and actually quite heart breaking performance as Truman Burbank, a man who doesn’t know his entire life is a farce. Carrey would go on to win the Golden Globe for Best Actor, yet in one of the more shocking omissions in Oscar history, was not one of the five nominated for Best Actor at that years Academy Awards.
The following year, Carrey would give another performance that saw critics again singing his praises when he took on the challenging role of Andy Kaufman in the Milos Foreman directed Man on the Moon. Carrey would yet again win the Golden Globe for Best Actor, making him a rare back to back winner, yet again, in another one of the biggest snubs in Oscar History, Carrey did not receive an Oscar Nomination for his spot on portrayal of the comedy legend.
It was at this time, when Carrey was taking on more dramatic material, almost as a way to show critics he was more than the guy who made a name for himself by talking out of his butt, that he was approached with the script for The Majestic (although it was still called The Bijou at the time) and would sign on immediately, after producers agreed to give him his full $20 million quote.
With a $72 million budget in place (which includes that $20 million paid to Carrey) The Majestic began rolling cameras on March 5, 2001 in Los Angeles before moving up north to the more peaceful Ferndale, California where the bulk of filming took place, ultimately wrapping production on June 29, 2001.
The film would pay homage to those who were actually a part of Senator Joseph McCarthy’s Communist Witch Hunt: the town of Lawson is named after screenwriter John Howard Lawson who was one of many blacklisted screenwriters. When speaking to the Mayor, the name Cole is used to reference another blacklisted screenwriter Lester Cole and the name Luke Trimble was used as a nod to Dalton Trumbo, yet another blacklisted screenwriter who would gain more fame when Bryan Cranston would be Oscar Nominated for portraying him in the film Trumbo. Even the name of the lead character, Peter Appleton, is a nod to Joseph McCarthy’s hometown of Appleton, Wisconsin.

In addition to its impressive cast which included such talented people as Martin Landau, Bob Balaban, Ron Rifkin, Hal Holbrook, Catherine Dent, Brent Briscoe, Jeffrey DeMunn and Laurie Holden, the film would feature cameo appearances (in voice only) from Hollywood heavyweights Garry Marshall, Paul Mazursky, Sydney Pollack, Rob Reiner and his father Carl Reiner playing the studio executives that open and close the film, with Darabont choosing to not show these titans on screen as the camera just focuses on Jim Carrey’s face while receiving the studio notes. Obviously that was a fun scene for Darabont to film as he is no stranger to getting asinine studio notes and having to smile and nod politely in the room.
But it wasn’t just those relationships Darabont drew on to help make the movie. For the film within a film: Sand Pirates of the Sahara, Darabont would call up his good friend Chuck Russell whom he had previously worked with on A Nightmare on Elm Street 3: Dream Warriors with Darabont one of four writers credited for the script and Russell directing. At the time Russell was taking on the Dwayne Johnson led film The Scorpion King and would let Darabont use props from his film to add a little extra production value to Sand Pirates without bumping up the production budget. Darabont would also draw upon his friendship with Steven Spielberg when Spielberg lent Darabont the golden idol from Raiders of the Lost Ark for use in the Peter Appleton scripted film.
Once shooting was completed, it came time to edit and test the film. Due to Darabont having had success with longer films, Shawshankran two hours and twenty two minutes while the far more lucrative Green Mile ran a full three hours and nine minutes. So given those factors, the studio didn’t really interfere with Darabont and his desire to make The Majestica longer movie. That isn’t to say they didn’t test out two different versions of the film, because they did! The studio would test a shorter version of the film and the longer version, the longer cut tested way higher than the shorter cut and thus The Majestic would lock picture at two hours and thirty three minutes.

With a prime release date of December 21, 2001, The Majestic was the talk of the town with many comparing it to the Frank Capra/ Jimmy Stewart classic Mr. Smith Goes to Washington. It was primed and ready to be a massive break out with many predicting it would be the big winner come Oscar night considering it was a movie from a filmmaker with a track record of critical success and featured a lead actor that many assumed couldn’t be over-looked a third time for a Best Actor Oscar nomination.
And then the film was released! The first reviews began pouring in calling the film overlong with a forced sentimentality and that it aimed to be an inspiring tale but failed due to over-sappiness and a slow pace. There were some good reviews mixed in however, many critics did enjoy the take down of McCarthyism and called the story “beautiful” with famed thumbed one Roger Ebert even saying the film was a proud patriotic hymn to America. Jim Carrey’s performance would split critics, some claimed he was badly miscast in this purely dramatic role and blamed his performance on chasing an Oscar, while others (including Roger Ebert) hailed it as Carrey’s best performance to date even comparing him to the everyman qualities exhibited by a Jimmy Stewart.
Yet critics weren’t the only ones who turned their noses at this ode to the magic of the movie theater: audiences just didn’t show up. The film would open to just $4.9 million and an eighth place finish. Many people attributed the poor opening to not just the reviews, but also opening the film in such a crowded market. The Majestic opened on the exact same day as The Lord of the Rings: The Fellowship of the Rings which consumed audiences attention that weekend with $47.2 million, but it also lost out to the opening weekend of Jimmy Neutron: Boy Geniusand the Method Man/ Redman comedy How Highas well as the continued successes of Ocean’s Eleven, Vanilla Sky, Harry Potter and the Sorcerer’s Stoneand even Not Another Teen Movie. I guess to put a positive spin on it we should point out that it wasn’t actually the worst performing new release of that week: the Tim Allen starring Joe Somebody actually finished with about $1.5 million less than The Majestic… so that’s something at least!

There was a lot of Monday morning quarterbacking going on for this release as no one really expected it to bomb as bad as it had. Sure the reviews and crowded marketplace definitely played a factor, but many thought there were others reasons the film tanked so badly. Many pointed to the fact that the film didn’t really have a targeted audience, noting that the typical Jim Carrey fan expects to see him at least being somewhat funny, but the trailers for the film had no comedy in them whatsoever. Many critics would point to the terrorist attacks of September 11th and say that even though the film had a backbone that represented the faith and freedoms of America, as well as being a loving ode to the soldiers who had fought and died in previous wars for those freedoms, audiences just weren’t ready for that yet.
And that American spirit actually hurt the films box office over seas. Released in the UK on May 24, 2002, the film would fail to crack the top ten with UK audiences saying the ending of the film, with its powerful courtroom scene, had no real emotional impact for them as it had no relevance to their world or history. The film would fail to make even $10 million overseas and would ultimately end its worldwide run with just $37.3 million, nowhere near its $72 million budget.
In the aftermath of the film, Jim Carrey and costar Laurie Holden would begin a romantic relationship that eventually ended, but the two must have remained friends as the pair would reunite in 2014 for Dumb and Dumber To.
For his part, Jim Carrey hasn’t really spoken about The Majestic often, only saying briefly that it his least favorite role he has ever played and that he regrets accepting it while Frank Darabont has painted a different tune saying he is extremely proud of the movie and that it achieved exactly what he set out to make. He said that he once read in a magazine article that was praising his work on Shawshank that he needed to apologize for making The Majestic to which he audibly reacted “Really? I need to apologize? Kiss my ass!”
Darabont would return to the world of Stephen King adaptations by making The Mist in 2007 followed by developing The Walking Dead television series which he would be fired from after just a season and a half (of course that firing led to a $200 million settlement, so don’t feel too bad for him)!) While Jim Carrey would continue making critical and commercially successful films including another Oscar Snubbed performance in Eternal Sunshine of the Spotless Mind.
But for as big of a bomb as The Majestic is always touted as being, it does seem to have caught on with audiences recently with the film featuring a solid four and a half star rating on Amazon based on nearly 2000 user reviews. It appears that without all that expectation and hype, The Majesticmay have finally found its audience.
And That’s WTF Happened to The Majestic!
Originally published at https://www.joblo.com/wtf-happened-to-the-majestic/
Martin Scorsese’s Killers of the Flower Moon had its world premiere at the Cannes Film Festivals, and the reviews are superb.
Martin Scorsese’s highly anticipated Killers of the Flower Moon, which released its first trailer this week, just had its world premiere at Cannes. Easily the most anticipated movie of the festival, all eyes were on the post-screening reactions, and folks were curious to know if the film stands alongside the eighty-year-old auteur’s best movies. Indeed, judging by the rapturous response (which included a nine-minute standing ovation), it’s safe to say that Killers of the Flower Moon is going to rank with some of Marty’s finest work. So far, the Rotten Tomatoes score is 96%, with only one of the 27 reviews being negative.
The film, which is based on David Grann’s non-fiction book of the same name, centers around a series of murders that took place in Oklahoma during the 1920s. The victims were all members of the Osage Native American Tribe, with the plot an attempt by a rancher named William Hale (Robert De Niro) to obtain oil rights, with the help of his nephew, Ernest Burkhart (Leonardo DiCaprio), who was married to Mollie Burkhart (Lily Gladstone), herself a member of the tribe whose family members were murdered by Hale and his associates.
Scorsese’s film is said to largely center around Gladstone’s performance, with her already being tipped for a potential best actress Academy Award, with THR noting, “many of us have been waiting impatiently for Gladstone to land a substantial part since her piercingly sensitive work as a lonely ranch hand in Kelly Reichardt’s Certain Women. And it’s taken a director frequently criticized for his scarcity of fully dimensional female characters not only to provide one but to make her the wounded heart of the movie.”
Leonardo DiCaprio also seems like a shoe-in for a potential Best Actor nomination, with several critics saying that the actor’s against-type role is a stunning showcase. IndieWire notes that the film contains “the best performance of Leonardo DiCaprio’s entire career… His nuanced and uncompromising turn as the cretinous Ernest Burkhart mines new wonders from the actor’s long-standing lack of vanity.”
THR also notes that some may be put off by the fact that Scorsese opts not to focus too much on the FBI investigation of the murders, with it being mentioned that Jesse Plemons, who plays real-life FBI agent Tom White, only becomes prominent in the last hour. Other big-name actors like John Lithgow and Brendan Fraser are said to only have small roles, but the same critics also note that focusing the narrative on the Burkharts was the right move.
Are you excited for Killers of the Flower Moon? Let us know in the comments!
Originally published at https://www.joblo.com/killers-of-the-flower-moon-reviews-out-of-cannes/
DENVER, May 26, 2023 (Newswire.com) - National Donut Day is Friday, June 2, and LaMar's will be partnering with The Salvation Army to host an annual fundraising and community engagement event. Each participating LaMar's location will also be giving away free donuts to everyone who visits a store.
National Donut Day is celebrated on the first Friday of every June — a tradition dating back to 1917, when Salvation Army volunteers known as the "Donut Lassies" made donuts for soldiers on the front lines of World War I. In celebration of this tradition, LaMar's will be partnering with The Salvation Army to host its 9th Annual National Donut Day fundraising campaign. The campaign will be hosted by various LaMar's locations nationwide, and it will include free donuts, donations to The Salvation Army, and community engagement with local police and fire departments. The goal of this campaign is to spread joy and give back to the community, just like the Donut Lassies did over 100 years ago.
This year's National Donut Day fundraiser will be a celebration unlike any other. In addition to raising funds for The Salvation Army through donations, LaMar's will match all online donations made during the week of May 28th. Each participating location will be handing out free Ray's Original Glazed donuts to customers, along with LaMar's National Donut Day t-shirts, while supplies last. LaMar's will be partnering with local police and fire stations, who will volunteer their time to hand out the free donuts and t-shirts to community members at select participating locations.
In addition to celebrating the holiday at LaMar's stores, The Salvation Army will be delivering thousands of LaMar's donuts to the Denver and Aurora Police Departments as well as locations in Kansas City, MO, Omaha, NE, and Wichita, KS, for National Donut Day. Staff and members of the Army, along with Aurora police officers, will also hand deliver donuts to veterans at the VA Medical Center in Aurora, CO. The Salvation Army brass band will be at the medical center at 10 a.m. to perform and celebrate the national holiday.
"The Salvation Army's tireless mission to keep children clothed, sheltered, and fed is an enduring reminder that we need to do what we can to support our community members," shared Temi Osifodunrin, LaMar's Director of Marketing and Advertising. "LaMar's is thrilled to be spreading joy to our communities on National Donut Day, just like the Donut Lassies did for soldiers during World War I."
To receive a free Ray's Original Glazed hand-made donut on National Donut Day, LaMar's customers must simply visit their local store. For customers who can't make it to a LaMar's location on National Donut Day, LaMar's will also be mailing out "Share the LaMar's Donut Day Love" cards to community members in surrounding neighborhoods. These cards can be used to redeem one free donut with a hole and a small coffee. Specialty donuts & coffee will be available but will incur an upcharge when used with the card.
For more information about LaMar's National Donut Day celebration, or to make an online donation, please visit www.donutday.com.
About LaMar's Donuts - After developing his original donut recipe as a teenager in 1933, Ray Lamar opened the first LaMar's Donuts in Kansas City, Missouri, on Linwood Boulevard in a converted gas station. Today, the franchised chain has 25 stores in five states. LaMar's has won numerous awards and has earned favorable reviews by such publications as The New Yorker and Gourmet magazine. LaMar's donuts were also the first to be reviewed and acclaimed by Zagat, the world's most trusted guide to restaurants. Visit us at LaMars.com.
About The Salvation Army - The Salvation Army, an evangelical part of the Universal Christian Church established in 1865, has supported those in need in His name without discrimination for more than 130 years in the United States. Nearly 30 million Americans receive assistance from The Salvation Army each year across 5,000 communities nationwide. For more information, please visit imsalvationarmy.org.
Contact Information:Weekend Box Office: Fast X does so-so domestically, but is a global blockbuster
Originally published at https://www.joblo.com/weekend-box-office-fast-x/
BOSTON, May 26, 2023 (Newswire.com) - Whittier Street Health Center, a community health center with a mission to serve as a center of excellence that provides high-quality and accessible healthcare and social services that achieve health equity, social justice, and the economic well-being of a diverse patient population, will hold its 24th Annual Men's Health Summit on Saturday, June 24 from 10 a.m. to 2 p.m. at the Frederica M. Williams Building, 1290 Tremont Street, Roxbury. The theme of this year's summit is UNITED for Men's Health: Grounded in Equity.
Across the country, gaps and disparities in healthcare continue to increase and persist. Without access to good jobs, schools, food, and safe, affordable homes, staying healthy is challenging.
The annual event will include a health fair, health screenings, and a panel discussion and conversation about men's health and wellness. In addition, the Summit will serve as an occasion to recognize several men's health champions from diverse backgrounds during the Men's Health Champion Award presentation.
This year's Men's Health Champions are: Mr. Wilner Auguste, founder, Haitian American United (HAU); Rev. John Finley, co-founder and head of Epiphany School; Rev. Art Gordon, pastor, St. John Missionary Baptist Church; Mr. David Morales, general manager, UniCare; Mr. Jean Prezeau, men's health ambassador, Whitter Street Health Center; Mr. William Watkins, MBA, vice president of digital strategies and partnerships, Urban League of Eastern Massachusetts; and Mr. Leverett Wing, president and CEO, Commonwealth Seminar.
NBC10 News Anchor Glenn Jones will be the guest speaker during the highly anticipated event to which all are welcome to attend.
"Our Men's Health Summit aims to help to address preventable causes that contribute to increased morbidity and mortality rates, and decreased life expectancy for men," said Frederica M. Williams, president and CEO of Whittier Street Health Center. "We will explore strategies to advance men's health, raise awareness about why it is important to engage with men to improve their health and well-being and provide health education resources and access to care."
For more information contact [email protected] or 617-989-3119.
About Whittier Street Health Center
Whittier Street Health Center is an independently licensed community healthcare center with a mission of providing high-quality, reliable and accessible primary healthcare for diverse populations while promoting wellness and eliminating health and social disparities. A champion of equitable access to high-quality, patient-focused care, social justice and economic equity, Whittier Street Health Center serves more than 30,000 patients and 20,000 community outreach visits annually. Whittier Street Health Center provides a comprehensive array of 40 healthcare programs and services designed to meet the primary healthcare, behavioral health, and social needs of the community. For more information, please visit www.wshc.org as well as Facebook (www.facebook.com/WhittierStreetHealthCenter), Twitter (@Whittier_Boston), or LinkedIn (https://www.linkedin.com/company/whittier-street-health-center), or call 617-989-3221.
Contact Information:NEW YORK, May 26, 2023 (Newswire.com) - Credello: To combat inflation, the Federal Reserve ("The Fed") has raised its benchmark interest rates to levels not seen since the Great Recession. While these hikes are great for savings accounts and CDs, those considering getting a new personal loan are experiencing sticker shock at the new rates.
I already have a personal loan, is my interest rate increasing?
It depends on the type of loan you have.
Most unsecured loans that are already active and fixed-rate will not incur any interest rate changes. This goes for personal loans, consolidation loans, signature loans, etc. However, missing payments or defaulting on a signature loan or other unsecured loan could make you incur new interest rates as a penalty for the duration of the loan or until you're back in good standing. Check your loan's terms and conditions for details on what you should expect if you fall behind on payments.
Secured, fixed-rate loans like mortgages also shouldn't see any change to their interest rates. Again, this is only if you stay in good standing with the lender so it's critical you know the terms you've agreed to for your loan regarding when you could expect a change in your rate.
Variable-rate loans, both secured and unsecured, are loans that have fluctuating rates based on The Fed's benchmark rate. These are the loans that will most likely be affected by the increases made by The Fed.
How can I tell what type of loan I have?
Knowing the type of loan you have is critical for determining not only how much you'll pay in interest but how your loan is affected by market conditions. The easiest way to determine which type of personal loan you have, or are applying for, is to check the terms. However, there are a few quick ways to determine which loan you have (or could get):
1. Do you have to put any collateral up to get the loan? These are considered secured loans. The most popular types of secured loans are auto loans and mortgages. Unsecured loans don't require any kind of collateral and are often what you'll see for personal loans, signature loans, etc.
However, don't group all unsecured loans together as there are some significant differences between signature loans and personal loans you need to be aware of before applying.
2. Do you only see one interest rate listed? Typically, this means your loan is (or will be) a fixed-rate loan. However, check to see if there are any asterisks or fine print that specifies whether this could change.
3. Is it a credit card? Credit cards are unsecured, variable-rate ways to borrow money and will be affected by Fed rate hikes. There are some secured credit cards, too, and are also variable-rate.
A few tips to avoid interest rate increases
1. Look for promotional consolidation offers. Many lenders offer promotional rates that last for a limited time. Consolidating your debt into one loan can lower your interest rate, too.
2. Shop around. Rates can vary significantly from lender to lender, so compare rates before settling on a plan.
3. Make a payment plan. If you're not able to pay off your entire balance each month, making payments on time will help keep your interest rate lower and extend the life of your loan.
4. Pay more than your minimum payment every month. Even an additional $5 payment will help you avoid getting hit with higher rates that take longer to pay off.
The bottom line
Knowing your personal loan type and interest rate is key in determining how your loan will be affected by The Fed's interest rate hikes. Stay up to date on the terms of your loan to ensure you're not hit with unforeseen penalties or rates.
About Credello
Credello is a financial tech company offering a personal finance tool that simplifies financial decisions through personalized, on-demand recommendations — so users can borrow, save, or invest with confidence. Credello believes that finding the right financial product should be as easy and interactive as online shopping, and we are on a mission to make that possible. For more information, please visit https://www.credello.com.
Contact Information:NEW YORK, May 26, 2023 (Newswire.com) - Credello: Thanks to the Federal Reserve's raising interest rates, many loan borrowers are getting sticker shock looking at their loan terms. But which loans are getting the highest rate increases? Here's what you should know.
The loans with the highest interest rates
Borrowers are seeing the biggest interest rate spikes on short-term loans, particularly those that run for three to five years. A report by Credible found that rates in April 2023 on 3-year, fixed-rate loans increased by 10.63%, while 5-year, fixed-rate loans averaged an increase of 9.41%.
What's most interesting is that it seems credit scores weren't a significant factor in determining rates. Credible found that these rate increases were happening for borrowers with credit scores of 720 or more, a score that's traditionally seen as worthy of the most competitive (i.e., lowest) rates possible.
Why are these loans getting such drastic rate increases?
Three- to five-year loans are typically categorized as "short-term" personal loans. There are a few differences between long-term and short-term loans, but the most significant difference is the interest rate attached.
Short-term loans usually have more aggressive terms and conditions because the lender makes less money on them over time than on a longer loan, like a mortgage. The risks of short-term personal loans are also a factor lenders consider, as these loans are easier to get for those with lower credit scores.
How to get the best interest rate possible on your personal loan
Getting the best interest rate on your personal loan is important to ensure you are paying the lowest amount of money over the life of the loan.
Improve your credit score.
Improving your credit score is the simplest way to ensure you get the most competitive interest rates possible. While interest rates have risen dramatically for all credit scores, the better scores will always have more options available and the best rates possible. The reason for this is, again, due to risk. Generally speaking, lenders will see those with lower scores (~625 or lower) as less responsible with their finances than someone with a higher score. Some lenders have realized this could be an unfair practice, particularly to minorities or those previously underserved by banks, and have begun adding new criteria to their decision-making algorithms. However, for the most part, improving your credit score is the easiest way to get a better offer.
Credit scores are a mix of factors weighted based on their importance determined by credit reporting bureaus. The two most significant factors are the number of late payments on your record and the amount of credit you have available (known as the "Credit Utilization Ratio").
To increase your credit score quickly, focus on these two factors. Try to make the minimum payment on time every month on any outstanding credit card balances or loans. Next, try to get your credit card balances below 20% of your available credit. Focusing your effort on these two factors will cause the fastest changes to your score.
Shop around for the best rates.
If you're not seeing rates you like, shop around! Many lenders will offer promotional rates for both new and returning customers, so start with the lenders you already have an established relationship with, as they'll typically be the ones to approve your application the fastest.
However, if they're not willing to give you the terms you want, check out loan comparison sites with the most up-to-date information with interest rates lenders offer to those with similar credit scores. They'll also typically have reviews from other borrowers and ratings that give you insight into your chances of getting approved and details on what your experience could be working with them.
The bottom line
While interest rates on personal loans have slowly been creeping up for the past few years, there's been a drastic spike in rates caused by the Federal Reserve's interest rate hikes to combat inflation. However, that doesn't mean there aren't great personal loan rates out there still for those with good credit scores. By improving your credit score and shopping around for the most competitive interest rates available, you should get the best possible terms for your loan.
About Credello
Credello is a financial tech company offering a personal finance tool that simplifies financial decisions through personalized, on-demand recommendations — so users can borrow, save, or invest with confidence. Credello believes that finding the right financial product should be as easy and interactive as online shopping, and we are on a mission to make that possible. For more information, please visit https://www.credello.com.
Contact Information:Best Dolph Lundgren Movies
Originally published at https://www.joblo.com/best-dolph-lundgren-movies/
Lego will release a nearly 4,000-piece Batcave set, modeled after the one depicted in 1992’s Batman Returns.
The Bat, the Cat, the Penguin…the Brick. Lego has announced they will be releasing a Batcave set this June modeled after the one featured in Tim Burton’s 1992 classic Batman Returns, itself designed by the great Bo Welch. And at nearly 4,000 pieces, it will definitely be one to flaunt when you flush–we mean finish–it.
As per Lego’s website, “this Batcave tableau contains an assortment of authentic details, including movable items that can be controlled from the rear. Users can turn the chair, change the computer screen and open and close the tool store and illuminated Batsuit™ vault.” Also housed within is the Batmobile, which, really, no Batcave is complete without. The set is a shadow box design in the shape of the bat-symbol, making it a fantastic display for bat-fans of all ages (well, those 18+, according to the box). The 3,981-piece Lego Batcave set measures 11 inches high and 20 inches wide and is currently up for pre-order for $399.99. The June 8th release date will line up closely with DC’s The Flash (June 16th), which will bring back Michael Keaton as Bruce Wayne/Batman.
The Lego Batcave set also includes seven minifigures. In addition to Bruce Wayne and two versions of Batman, buyers will get Alfred Pennyworth and key Batman Returns characters in The Penguin, Catwoman and Max Shreck. So go ahead and have fun pushing Selina Kyle out of the shadow box! You can check out all of the pictures by clicking this link.
Lego has had a profitable partnership with the property, including countless sets, with more than a half dozen based on various Batcave iterations, going back to the 1966 television series (but that was a measly 2,526 pieces). There has also been a selection of Lego Batman movies, with the theatrically released The Lego Batman Movie proving to be a critical and commercial success. Unfortunately, the planned sequel is all out of lives.
Will you pick up Lego’s Batcave set? Which other Batman locales would you like to see get the brick treatment? Let us know in the comments section below!
Originally published at https://www.joblo.com/lego-releasing-batcave-modeled-after-batman-returns-design/