NEW YORK, March 29, 2023 (Newswire.com)
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OneMain Financial: Secured loans offer a tangible solution for those in need of financing that may not qualify for other loan or credit options. With the potential of a lower interest rate and greater approval chances, secured loans are often the best option when immediate funding is required to cover significant expenses such as home remodels or vehicle purchases.
This article will provide a brief overview of the basics of what a secured loan is and when a borrower should consider this type of financing to fit their situation.
What is a secured loan?
A secured loan is secured with collateral. Collateral is anything of value a lender is willing to accept as security for a loan. Collateral can be a house, car, cash in a savings account, boat, fine art, jewelry, or collectibles. The lender can seize the collateral if a borrower defaults on a secured loan. That's why consumers should only consider a secured loan if they are confident they can repay the loan according to the loan agreement terms.
How does a secured loan differ from an unsecured loan?
While a secured loan requires the borrower to pledge collateral, an unsecured loan does not. This means the borrower who gets an unsecured loan does so without putting an asset on the line. Lenders offering unsecured loans typically evaluate prospective borrowers based on factors like their credit score, income, and employment history.
Benefits of a secured loan
A secured loan comes with some advantages, including:
Easier to qualify for a loan: A secured loan may have more lenient qualification criteria than an unsecured loan. If the consumer does not have good credit, getting approved for a secured loan may be possible if the collateral is acceptable.
It may be more affordable: The borrower may be charged a lower interest rate since a secured loan poses less risk to the lender.
May have a higher borrowing amount: The borrower may be offered a higher borrowing amount with a secured loan.
Potential downside of a secured loan
While secured loans may be easier to obtain if a borrower doesn't have the best credit, the most notable drawback of this type of loan is the potential for loss of collateral. When borrowers take out a secured loan, they must pledge a personal asset, such as a car or home, as collateral. If they fail to make timely payments, the lender has the right to repossess their collateral and recoup their losses.
In some cases, if the loan balance is higher than the value of the personal asset being used as collateral, the borrower may still be responsible for paying back any remaining debt. This means borrowers must take extra care when considering a secured personal loan and ensure they can meet their loan payments.
How to Get a Secured Loan
Many secured loans are on the market, and lenders offer them to all types of consumers. If a consumer believes a secured loan makes sense in their unique situation, it's a good idea to keep these steps in mind:
Shop around: Not all secured loans are created equal. That's why borrowers need to shop around and compare their options and consider interest rates, terms, and fees.
Read reviews: Once a borrower finds a few lenders that pique their interest, it's wise to read lender reviews on reputable websites to help them find the ideal option.
Apply: Many lenders let consumers apply for secured loans online from the comfort of their own homes. Applicants should prepare to share basic details about themselves and the potential collateral.
Wait for a decision: Depending on the lender and the type of secured loan, the applicant may have to wait a few days or weeks for approval. However, some lenders offer instant or same-day approvals.
The Bottom Line
The consumer who doesn't have the best credit and is struggling to lock in financing but owns something of value and is confident they can make their payments may benefit from applying for a secured loan.
OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans.
Notice: Information provided in this article is for information purposes only and does not necessarily reflect the views of [publisher] or its employees. Please be sure to consult your financial advisor about your financial circumstances and options. This site may receive compensation from advertisers for links to third-party websites.
AdMeTech Foundation's 14th Annual Prostate Cancer Awareness Day Highlights Massachusetts Model of National Leadership in Public Awareness, Education, Research and Clinical Equity
BOSTON, March 29, 2023 (Newswire.com)
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AdMeTech Foundation, jointly with Senate President Pro Tempore William Brownsberger and Representative Gerry Cassidy, is hosting the 14th Annual Prostate Cancer Awareness Day. Faina Shtern, MD, President, AdMeTech Foundation, serves as emcee.
This event has brought together Senate President Karen Spilka, Speaker of the House Ronald Mariano, Senate Majority Leader Cynthia Creem, Senate Majority Whip Mike Rush, Representative Bud Williams who is Chair of the Joint Committee on Racial Equity, Civil Rights and Inclusion and Chair of the Black and Latino Caucus, and Representative Carlos Gonzalez who is Past Chair of the Black and Latino Caucus, leaders of medicine, advocacy and community organizations.
14th Annual Prostate Cancer Awareness Day will honor the memory of two prostate cancer survivors — Representative Stephen Kulik and Mr. Naakh Vysoky. Representative Kulik served as a host of this event and was a key state's champion in the fight against prostate cancer between 2009 and his retirement in 2019. Mr. Vysoky was a lifelong warrior for the underprivileged — immigrants, the elderly, the ethnic and racial minorities; his work was recognized by the U.S. Congress and multiple Boston organizations.
Prostate cancer, striking 1 in 8 men, is the most common male malignancy and the second most common cause of cancer deaths in men. Prostate cancer is a leading health disparity, causing more than two times higher mortality in Black men compared to White men. Elected officials will address prostate cancer as a major public health issue for all men and a crisis in men with Black, Hispanic and Latino heritage, who are at higher risk of delayed diagnosis, poor quality of clinical care and death.
Advocates and prostate cancer survivors will discuss the impact of prostate cancer on men, their families and communities.
Leaders of medicine will review cutting-edge advances in clinical care and research, transforming screening, diagnosis and treatment, improving survival and reducing health disparities. Prostate cancer experts from AdMeTech Foundation, Mass General Brigham and UMass Memorial Health will invite Massachusetts men, aged 40 and older, to take part in the Prostate Cancer Equity Program. This groundbreaking program has been launched recently to expedite access to the latest advances in patient care and support men every step of their medical journey. Supporting organizations include NAACP New England Area Conference and Latino Health Insurance Program, mobilizing participation of the Black, Hispanic and Latino men.
Annual Prostate Cancer Awareness Day has been critical for setting up a historic precedent by the Massachusetts General Court in recognizing prostate cancer as a public health priority and a leading health disparity since 2011. This event and Prostate Cancer Equity Program are integral components of the broader statewide prostate cancer program, which established a Massachusetts model of national leadership in public awareness, medical education, research and reducing health disparities since 2013.
AdMeTech Foundation organized this event in cooperation with the Prostate Cancer Action Council, including American Cancer Society Cancer Action Network, Center for Elimination of Health and Social Inequities and Disparities, Community Health Awareness Network, the Latino Health Insurance Program, Massachusetts Prostate Cancer Coalition, Men of Color Health Awareness, NAACP New England Area Conference, and Independent "Blue Ribbon" Expert Panel, consisting of the experts in clinical care and research.
WHAT: AdMeTech Foundation's 14th Annual Prostate Cancer Awareness Day WHEN: Thursday, March 30, 2023, 10 a.m.-2 p.m.
Representative Gerry Cassidy, Chair, Joint Committee on Veteran and Federal Affairs
Representative Carlos González, Chair, Public Safety and Homeland Security Committee
Representative Bud Williams, Chair, Joint Committee on Racial Equity, Civil Rights, and Inclusion; and Chair, Massachusetts Legislative Black and Latino Caucus
Faina Shtern, MD, President and CEO, AdMeTech Foundation
Milagros Abreu, MD, MPH, Founder, President, and CEO, Latino Health Insurance Program
Steve Bernard, Immediate Past President, Brockton Area Branch of NAACP
Juan Cofield, Prostate Cancer Survivor
Harold Cox, MSSW, Associate Dean for Public Health Practice and Associate Professor of Community Health Sciences at Boston University School of Public Health, and Prostate Cancer Survivor
Michael Curry, Administrator, NAACP New England Area Conference; Member, National Board of Directors, NAACP; and President and CEO of the Massachusetts League of Community Health Centers
Kenneth Elmore, JD, President, Dean College
Adam Feldman, MD, MPH, Urologist, Massachusetts General Hospital; Assistant Professor of Surgery, Harvard Medical School; and Director, Combined Harvard Urologic Oncology Fellowship
Mitchell Sokoloff, MD, Professor and Chair, Department of Urology, University of Massachusetts School of Medicine and UMass Memorial Medical Center
Quoc-Dien Trinh, MD, MBA, Section Chief of Urology, Brigham and Women's Faulkner Hospital; Co-Director; Dana-Farber/Brigham and Women's Prostate Cancer Program; and Associate Professor of Surgery at Harvard Medical School
William Watkins, Director of Workforce Development, Urban League of Eastern Massachusetts (Boston)
About AdMeTech Foundation: A 501(c)(3) nonprofit organization, based in Boston, Massachusetts. AdMeTech Foundation established the Manogram® Project, providing national and international leadership for groundbreaking programs in research, education and awareness. These programs have been expediting advancement and clinical implementation of precision, individualized approaches to screening, diagnosis and treatment of prostate cancer (www.admetech.org).
Contact Information:
Nancy Petkunas
Vice President, Client Services, Michael P. Wasserman, Inc [email protected]
(508) 353-3357
I was a fan of David F. Sandberg from the very first time I saw the short film “Lights Out.” And when he brought that creep factor to the big screen, and followed it up with Annabelle: Creation, I continued to be impressed. When Mr. Sandberg took on Shazam! it became pretty apparent the filmmaker had a few more tricks up his sleeve. As a storyteller, the man has a knack for balancing humor and horror. And he is certainly having a bit of fun bringing that to the big screen. And yes, he did it again in Shazam! Fury of the Gods.
We recently spent some time at the junket for the new sequel. David was in attendance to talk about his latest supersize sequel. He opened up about bringing in assorted monsters, and working off of Chris Morgan and Henry Gayden’s script. The filmmaker talked about his approach to creatures, and bringing in a little mythology into the mix. It’s always a pleasure talking to David. Make sure you check out the engaging new sequel, Shazam! Fury of theGods, currently playing at a theatre near you.
How did you approach this sequel, and how involved were you in the script? Because the first one was very much a horror-centric film, as well.
This is very much the same thing. I mean, the script was sort of a bit of a collaboration. We were talking early on what it would be, and then Henry Gayden would go off and write. And Chris Morgan came in and did an operation as well, or did some work on it. No, but I love those horror pieces and I love the monsters to design it, and it adds a lot to the movie in the form of a real sense of danger and a threat. And I could do that stuff all day. I mean, we actually did shoot a lot of stuff with just random people reacting to monsters all around Philadelphia. But it was like, “well, the movie is about Shazam, and we should probably get back to them a little quicker,” so we cut some of it out.
I love that stuff because, I think, it also makes for a more complete movie when you have that. That’s the kind of movies that I grew up and love like Raiders of the Lost Ark and Jaws and things like that where it’s, particularly with Raiders where it has a mix of everything.
You have a way of making even the smallest characters count. How much of that is in the script? How much is that in you going, we need this, we need some of that, we need all these characters represented.
Yeah, I mean, that’s the big part of it. The characters reacting to it, even if it’s not our main characters, you want to see how people get affected by it to be invested. And yeah, a lot of that was added because, in the script, it was not a lot. It was sort of just like, oh, the pods open up, and monsters run amuck. So, it’s like, this needs to be more than the, just that one sentence, you know.
Yeah, and you even make a little cameo.
Which was really fun to do. I got to do a little bit of stunt work and get hoisted up on wires, and I kept doing it take after take. Because they’d say, “Hey, aren’t you happy?” And I was like, “well, almost. I can do a little better. I can throw myself more.” No, that was a lot of fun. I was actually all bruised afterward from the harness and everything.
Wow.
Yeah.
It’s a tricky time for DC and you guys are facing a lot of new content coming up. Did you feel all the chatter and all the stuff that was going on? Did it interfere in any way with you focusing on the story you’re trying to tell?
No, because I mean, Shazam has always been a little bit of a standalone thing where we haven’t been tied into the bigger mythology of it, which is sort of the case with this one as well, which is probably in our favor because DC, they’ve told us now that what we’re doing, with Shazam, doesn’t interfere or contradict anything that they have planned for the future.
Yeah.
So they don’t have to reboot Shazam or anything like that. So we’ll see what happens. I don’t know what the full plans are, but it’s good to know that there weren’t any changes needed or anything like that.
What was it about this story, telling this tale for Fury of the Gods and Shazam?
Well at first, we looked at what the comic books were doing, the new 52 version, the later issues, and it felt like they went much more in this fantasy direction where they go into all these doors in the room of the Rock of Eternity and everything. And we felt that we wanted to have something that was more like the first movie in that it is in our real, grounded world, and we bring the fantastic elements into that.
So we started talking about this whole thing about, well, his powers come from God’s and mythological characters, and what if the powers were stolen from them and given to Shazam? Because that gives the motivation to the bad guy that you can understand. But Shazam didn’t steal it, but it’s not his. Of course, they want it back. I thought that was really interesting. And it’s cool to bring mythology and superheroes together because they’re very related in some ways.
But then we had the Daughters of Atlas. And then it was like, who can we cast for that? And had, especially for Hespera, we were like, what’s the best we could aim for? And our aim was for someone like Helen Mirren, but I didn’t think we’d get her, but it was like, let’s try, and then we’ll move on and go down the list. And she said yes right away, which was amazing.
And then that actually changed our casting for Calypso, which we started out looking at just doing auditions and finding someone lesser known, but once we got Helen Mirren, it was like, oh, we need to step it up and get someone who can act against her. And that’s when we started talking about Lucy. And the great thing was then when we went to her, we could say, oh, you get to act with Helen Mirren, be her sister. And yeah, Rachel, we just found. I wasn’t familiar with her because West Side Story hadn’t come out yet, so she just was one of many who auditioned, but she really stood out because she’s just such a star.
Well, the cast here is great, uniformly great.
Yeah.
I think a lot of it may be because they all get a chance to shine. Is it difficult finding that vibe? Was it difficult kind of reconnecting them so easily? It looked effortless.
Yeah. I mean, they love each other. I mean, on the first movie, they really became a family. So, for this one, it was just like a big family reunion, and I think that’s helped with the new actors coming in, that they were just welcoming right away. You’ve seen they hang out together, they love each other, and so I’ve been very happy about that. So you don’t have to worry about the cast in any way.
Have you thought specifically about where you would go with a third film?
No. I mean, I would love to see more of Mr. Mind, not just because I’m the voice of him, but I think it’s such a unique character in that you have a little worm, but who’s actually really dangerous and can do some really cool stuff.
Yeah.
He was originally supposed to be in this one. It was Mr. Mind that got the Goddesses into our world, but it was too much story to tell for this movie, so he had to take a backseat for a bit.
Well, I think you said it, you’re dealing with not only the history of the comics, the history of Shazam, but you’re dealing with mythology. I feel like that opens your world up in a way.
Yeah. That you could do a lot of things. This is a world where Manticores exist, so you know. Yeah.
Was there a creature you were really happy with that you created here?
Well, I do really like the Harpes because they’re kind of scary. They’re probably the scariest ones. The way they look. But I think Manticore is something I haven’t really seen in another movie, so that was cool. Just a lion with a scorpion tail and bat wings that breathes fire and stuff.
It was fun to see that. Now Zach and Asher have such a good partnership. In a way, they work so well together, even though they’re not on screen together. How easy was it to see them both continue to grow in the role?
Yeah, I mean that’s a trick to cast. You cast people who are very much like their characters because it makes your job so much easier. You can just like, “yeah, you just go, just do your thing.” I mean, they bring so much to it; they’re coming up with their own new lines and things like that. There’s a moment when Jack/Freddy is in a prison cell, and he finds a tooth on the ground. And he starts like, “there’s a tooth in here?” And that was something he made up on the day because the production designers had put little teeth and bones and things in there, and they’re fantastic to work with because, yeah, it makes my job very easy, and then I can focus on all the technicalities and difficulties.
Developer of password manager and crypto wallet solutions offers tips on how to keep wallets protected from new cyberattack.
NEW YORK, March 29, 2023 (Newswire.com)
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Legacy Suite, developer of digital asset management solutions, warns crypto and Ledger users against "Address Poisoning" attacks that can steal their funds.
Scammers are striking crypto users, including Ledger users, by "poisoning" their account via sending a small amount of crypto, usually USDT, MATIC, TRX, or even NFT, often imitating a transaction recorded in the user's transaction history. It looks very similar to the user's own address, with the goal to grab the scammer's address and send funds to their account by mistake.
Check Every Single Character in a Wallet Address
"Address poisoning is a type of cyber-attack in which an attacker attempts to steal funds from a cryptocurrency wallet by modifying the wallet's address," said Azaz Ahmed, chief technology officer of Legacy Suite. "In this attack, the attacker replaces the legitimate address of the wallet with their own address, which allows them to redirect any funds sent to the wallet to their own account."
The scammer makes a custom address with specific characters that are nearly identical to the owner's address. It often includes the same first and last characters. It is important to check every single character in one's wallet address before sending any transaction.
The scammer then sends a very small amount of currency, even $0, via the almost matching dummy wallet, which poisons one's transaction history.
How to Protect Yourself
Legacy Suite offers the following suggestions for safeguarding against address poisoning:
· Stop copying and pasting your wallet address from your transaction history
· Manually check your address so it is an exact match before sending any funds
· Use your wallet's contact book to manage addresses used often
· Be aware of anyone sending tiny amounts of cryptocurrency
· Double-check your transaction details on your Ledger
Legacy Suite has a wallet monitoring service designed to keep crypto assets secure 24/7 so that one can quickly take action to prevent any potential losses. "Legacy Suite's wallet protection services, such as wallet monitoring and emergency backup wallet, help to protect against critical threats by providing additional layers of security to your cryptocurrency wallets," Ahmed said.
Wallet monitoring constantly monitors activities associated with one's wallet in case any unauthorized changes occur in real time. The owner is immediately notified if any unusual activity is detected like the addition or modification of a new or existing address allowing for prompt action and the prevention of any unauthorized access to one's funds.
"Legacy Suite's Lifeline, emergency backup wallet, is a service that provides you with a secure backup of your cryptocurrency wallet," Ahmed said. "In the event that your wallet is compromised, you can quickly transfer your funds to another wallet. This protects your funds from being lost or stolen in the event of an attack."
The wallet protection services are an additional layer of security to cryptocurrency wallets and protect them from fraud and other types of cyber-attacks.
Legacy Suite is a complete end-to-end solution providing first-class digital estate planning support, including wallet monitoring and crypto wallet. Legacy Suite is a secure solution for crypto self-custody and password management, which allows you to hold your own keys, set up directives, assign executors, and have peace of mind knowing that your digital assets will safely transfer to your next of kin.
The penultimate entry of the Fast & Furious franchise will leave audiences stunned with a shocking cliffhanger, according to Rodriguez.
We’re in the final two laps. This May will see the release of Fast X. Vin Diesel has confirmed that the tenth entry in the Fast & Furious series will actually be split into two parts. Usually, when a single narrative installment of a franchise is split into two, especially if they film back-to-back, you can bet that the first part will end on some sort of stinger to get you curious and hyped for the next part. This seems to be the case for the upcoming film. ScreenRant reports on franchise star Michelle Rodriguez as she teases the cliffhanger ending to Fast X, which will lead into the second part. I predict the next one will likely be titled Furious X.
Michelle Rodriguez is currently doing promotion for her other big movie, Dungeons & Dragons: Honor Among Thieves, which I’m sure her Fast co-star Vin Diesel is excited about, being a D&D head himself. In a recent interview, she talked about how hard the Fast X cliffhanger will hit audiences. “I think people are gonna be really, really surprised, and we’re gonna get a lot of open mouths at the end of Fast X. Let’s just put it that way. It’s gonna be like, ‘Really? What?’ Like that! Like that’s how I was in the theater. I was like, ‘Oh my god. What have we done?’”
This sequel adds Jason Momoa to the series as the new villain, Dante. According to the trailer, he is on a quest for revenge against the family after the events of Fast Five, where Dante’s father was killed during the big heist finale. Momoa has mentioned how fun it was to play such a ruthless yet quirky villain that’s “pure chaos”, and Rodriguez previously boasted about how Dante is the best male villain they’ve had.
The hype that Rodriguez is building for the ending gives the impression that it would leave audiences in a shock similar to Avengers: Infinity War, when many of the characters were perceived to be dead. In a franchise where the outrageousness gets turned up with every entry, especially considering the last installment had them going into space, there’s no telling where they could possibly go, and anything is possible. A fun twist would be if Dwayne Johnson came back as the ultimate villain against Diesel since their behind-the-scenes clash was made very public. Although, Johnson would not want to lose in the end, so perhaps that won’t happen.
A couple weeks ago, we learned that several cast members from the Netflix series Sweet Tooth, which is an adaptation of the DC Vertigo comic book that ran from 2009 to 2013 for a total of 40 issues, had been promoted to series regular status for the upcoming second season of the show. Those promoted cast members were Naledi Murray, Neil Sandilands, and Marlon Williams, who play Wendy, General Abbot, and Johnny Abbot. Now Netflix has released a teaser trailer for Sweet Tooth season 2, announcing that the new season will premiere on Thursday, April 27th! The teaser trailer can be seen in the embed above.
Created by Jeff Lemire, Sweet Tooth was a coming-of-age fable of Gus, a boy/deer hybrid who leaves home to find the world ravaged by a cataclysmic event. He joins a ragtag family of hybrids and humans searching to find answers behind the event… ultimately discovering a vast conspiracy that forces him to question his very existence.
The cast of the series adaptation also includes Christian Convery as Gus, Nonso Anozie as Jepperd, Adeel Akhtar as Dr. Singh, Will Forte as Richard, Stefania LaVie Owen as Bear, Dania Ramirez as Aimee Eden, Aliza Vellani as Rani Singh, with James Brolin as the voice of the narrator.
Christopher Sean Cooper Jr. (Circle Of Sisters Expo) and Yonas Kibreab (Blood Moon) have joined the cast as new series regulars, playing Teddy Turtle and Finn Fox.
Jim Mickle is the showrunner on Sweet Tooth and executive produces the show alongside Susan Downey, Robert Downey Jr., Amanda Burrell, and Linda Moran. The series is produced by Team Downey, in association with Warner Bros. Television. Team Downey’s Evan Moore is co-executive producer.
Sweet Tooth season 2 has the following synopsis: As a deadly new wave of the Sick bears down, Gus (Convery) and a band of fellow hybrids are held prisoner by General Abbot (Sandilands) and the Last Men. Looking to consolidate power by finding a cure, Abbot uses the children as fodder for the experiments of captive Dr. Aditya Singh (Akhtar), who’s racing to save his infected wife Rani (Vellani). To protect his friends, Gus agrees to help Dr. Singh, beginning a dark journey into his origins and his mother Birdie’s (Amy Seimetz) role in the events leading up to The Great Crumble. Outside the Preserve, Tommy Jepperd (Nonso Anozie) and Aimee Eden (Ramirez ) team up to break the hybrids free, a partnership that will be tested as Jepperd’s secrets come to light. As the revelations of the past threaten the possibility of redemption in the present, Gus and his found family find themselves on a collision course with Abbot and the evil forces that look to wipe them out once and for all.
What did you think of the Sweet Tooth season 2 teaser trailer? Will you be watching this new batch of episodes on Netflix? Let us know by leaving a comment below.
AUSTIN, Texas, March 28, 2023 (Newswire.com)
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GAST Clearwater, a next-generation water treatment company, artificial beach, urban lagoon specialist, and property developer, announced today the appointment of Dick Anderson to its Board of Directors, effective March 28, 2023.
"As we start to finalize our last few Board appointments, we cannot be more elated to have Dick join our Board," said Kevin Gast, Co-Founder & CEO of GAST Clearwater. "As a founding partner and managing partner to one of Texas's largest real estate development and investment firms, HPI Real Estate, with over 24 million square feet of active portfolio and over $4 billion in future and past developments, Dick is not only a powerhouse in the industry but a renowned entrepreneur, philanthropist, and leader. His 30-plus years of experience, unmatched business ethics, and integrity will provide a steady hand as we circumnavigate our explosive growth and global demand for our products & services."
"The real estate market has started to shift post-COVID, and new and innovative solutions are needed to trailblaze a path ahead," said Dick Anderson. "Over the last few months, I've come to appreciate the purpose and mission of GAST Clearwater and what their technologies, products & services represent. Ski-Resorts used to be all the craze, then Golf Estates, and the next natural evolution seems to be Artificial Beaches and Surf Parks utilizing sustainable, recycled water. I look forward to working with Kevin and the Board as we drive GCW's mission of Water for Mankind."
Dick Anderson is a founding partner of HPI and serves as its managing partner overseeing day-to-day operations. Building on his quick success with Trammell Crow Company, Dick co-founded HPI in 1992 with two other Trammell executives. With Dick's leadership, HPI has grown from a four-person development firm to a full-service real estate firm with offices in Austin, Dallas, Houston, and San Antonio. He currently serves on the Boards of Uplogix and Tricolor Holdings. Dick is a graduate of SMU, where he earned a B.S. in Economics, and is an active investor, venture capitalist, and philanthropist.
About GAST Clearwater GAST Clearwater is a US-based, next-generation water treatment company with a mission to provide Water for Mankind one drop at a time. Operating in various industries and markets from Real Estate, Wastewater Treatment, Municipal Potable Water, and various others, focusing on recovering and recycling different waters in a centralized or decentralized way, GAST Clearwater is a US-based, next-generation water treatment company with a mission to provide Water for Mankind one drop at a time.
Forward-Looking Statements This press release contains "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, any statement that may predict, forecast, indicate, or imply future results, performance, or achievements, and may contain words such as "believe," "anticipate," "expect," "estimate," "intend," "project," "plan," or words or phrases with similar meaning. Forward-looking statements should not be read as a guarantee of future performance or results and will not necessarily be accurate indications of the times at, or by, which such performance or results will be achieved. Forward-looking statements are based on current expectations, forecasts and assumptions that involve risks and uncertainties that may cause our business, strategy, or actual results to differ materially from the forward-looking statements. We do not intend and undertake no obligation to update any forward-looking statements, whether as a result of new information, future events or otherwise, except as may be required by applicable law. Investors are referred to our filings with the SEC for additional information regarding the risks and uncertainties that may cause actual results to differ materially from those expressed in any forward-looking statement.
Contact Information:
GAST Clearwater Media Office
Global Media Room [email protected]
NEW YORK, March 28, 2023 (Newswire.com)
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Credello: You may know the term "home equity" if you're a homeowner. This means the unencumbered interest that you own in your real property. In other words, it's how much of the home's total worth you own versus the cost of any liens against it.
Home equity is higher now than it has been in many years. Let's discuss what that means. We'll also talk about a home equity loan for debt consolidation since that might appeal to you.
What Does It Mean When Home Equity Levels Rise?
When home equity levels rise, there's a housing bubble. When a housing bubble occurs, the value of houses across the country skyrockets. Often, this happens when there's a great demand for housing, creating a seller's market.
At the moment, part of why this is happening is because there are lots of business entities that are buying up houses rather than families purchasing them. Many of these entities are rental companies. They're acquiring properties so they can rent them out.
This Creates More Demand
Since more houses are being bought by companies looking to rent them out, fewer ones are available for purchase by individuals and families. Often, the rental companies are outbidding potential homebuyers.
It's unclear whether this trend will continue, but one thing is certain. With record-high home equity levels, you can probably get more for your home if you decide to sell it now than you could have gotten a few years ago.
If you were mulling over selling your home, now might be the ideal time to do it. The bubble will burst eventually, and then you won't get as much money as you can at the moment.
Of course, it only makes sense to sell your home if you plan on getting an apartment or pursuing some other kind of scaled-down living situation. If you plan to sell your house just to buy another one, you'll face the same seller's market that allowed you to unload your property for top dollar. If you do that, you'll blow your whole profit margin.
Home Equity Loans
The other thing worth knowing about this kind of market is that it's a great opportunity to get a home equity loan if you have any interest in one. A home equity loan allows you to leverage the equity ownership you currently have in your property.
You can approach a credit union or bank and ask them for a home equity loan. Because home equity is high right now, you can get considerably more money through one of these loans than you could a few years ago.
If you do that, then you can consolidate your debt. You can pay off any existing financial obligations you have with the money the credit union or bank gives you. Then, you will have just a single loan to pay back, the one you got from the lending entity.
Should You Do This?
The current market should warrant some careful consideration on your part as a homeowner. Now is probably the time to sell if you were planning on downsizing to an apartment. If you're an older adult and you don't like walking up and down the stairs anymore, this move might make sense.
As for individuals or families thinking about using their house's equity to get a home equity loan for debt consolidation, that might make sense. If you do it, you may get a lower interest rate on the loan the credit union or bank gives you than what you currently pay to the credit card companies and other entities you owe.
If you do this, though, proceed cautiously. If you get a home equity loan, the lending entity now has a lien on your property. If you can't pay them back expediently, they might take your house. That only happens in extreme circumstances, but it's always possible.
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NEW YORK, March 28, 2023 (Newswire.com)
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OneMain Financial: Homeowners use several forms of financing to make renovations or updates to their homes, including personal loans, home improvement loans, home equity loans, or a home equity line of credit. Each lender will have their own credit score requirements, and some may be more stringent than others.
Review this list of the most common types of home improvement loans for more details.
1. Home equity loan
While lenders often look for a credit score of at least 680 or higher to approve a standard home improvement loan, the qualifications for a home equity loan differ. This type of loan is secured by the equity the homeowner has in their home, which means some of the risks that the lender takes in issuing the loan is mitigated. The applicant's credit score is still important, but the minimum required score may be lower.
Keep in mind that equity is the value of the home that has already been paid for through the principal portion of the mortgage payments but does not include any interest payments or unpaid balance due. The value of the homeowner's equity may rise or fall based on the appraised value of a home. The lender may require an appraisal before approving the loan.
2. Home equity line of credit (HELOC)
Similar to a home equity loan, a credit score of 680 is typically required for a HELOC loan. With a HELOC, the borrower is approved to tap into a set amount, i.e., the line of credit, and then can withdraw from it in increments to fund the home improvement project.
HELOCs are a great option for home improvement because homeowners can limit their borrowing to only what they need. If the improvement increases the home's value, the HELOC will likely pay for itself. The homeowner is given a period of time when they can withdraw funds from the line of credit, i.e., the draw period. A HELOC also has a period that starts 10-15 years after the first withdrawal is taken during which the loan must be paid back. It's good to keep in mind that payments are generally subject to a variable annual percentage rate.
3. Cash-out refinance
This borrowing option allows the homeowner to take a second mortgage on their home for a larger amount than what is currently due on the first mortgage. The first mortgage is paid off and the excess proceeds would be used to fund the home improvement project. The minimum credit score requirement for this is usually 620, but some lenders may approve an applicant whose score is 580 or above.
The primary factor determining whether to approve an application for a cash-out refinance is the homeowner's debt-to-income ratio (DTI). The DTI compares the applicant's monthly debt payments to their gross monthly income. If the DTI is low, the chances of approval are higher, and the credit score requirement is not as strict. A good DTI is 36% or lower. The maximum DTI for most lenders is 43%.
4. FHA 203(K) rehab loan
Though not necessarily the right choice for everyone, the FHA 203(K) rehab loan is ideal for new homeowners who buy "fixer-upper" homes. It's essentially a mortgage and home improvement loan combined. The minimum credit score requirement is around 620, the FHA requires a 3.5% down payment, and the renovation cost must be at least $5,000.
Notice: Information provided in this article is for information purposes only and does not necessarily reflect the views of [publisher] or its employees. Please be sure to consult your financial advisor about your financial circumstances and options. This site may receive compensation from advertisers for links to third-party websites.
OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans.
Notice: Information provided in this article is for information purposes only and does not necessarily reflect the views of [publisher] or its employees. Please be sure to consult your financial advisor about your financial circumstances and options. This site may receive compensation from advertisers for links to third-party websites.
New Orleans is a city of mystery and the supernatural. It’s filled with legends, history, and quite a lot of voodoo. And now you can add Renfield and Dracula to the mix.
Renfield hits theaters this April (and has a brand-new trailer coming out tomorrow) and stars Nicholas Hoult as Renfield and Nicolas Cage as his master, Dracula. It’s a monster of a relationship and it has spanned for over a hundred years. And now Renfield has had enough of bringing his master his dinner and then cleaning up after him.
Directed by Chris McKay (director of the underrated The Tomorrow War) from an idea by Robert Kirkman and written by Ryan Ridley, Renfield is a mix of classic Universal horror, silent film style, splatter, and comedy. The cast is top tier with Hoult and Cage joined by Ben Schwartz, Awkwafina, and Shohreh Aghdashloo.
It was a dream come true to get to go on the set of the shoot in New Orleans and worth the battle through a massive thunderstorm (a tornado had happened only a few days prior which had delayed things a bit). Within a massive soundstage the filmmakers had built Dracula’s lair and on that day Dracula and Renfield were doing battle with some very brave vampire hunters who are having a very bad day.
Our own Jessica Dwyer watches enviously as a journalist on-set gets to try on Dracula’s infamous cape
The set was beautiful and filled with a dilapidated regality that matches Dracula’s own life in the film where the vampire has seen better days. Renfield has messed up and is having to run through a rampant fire (Nicholas Hoult doing some impressive stunt work) to come to his boss’s aid. Dracula for his part (Nick Cage also does some of his own stunts) is battling it out in snarling, raging fashion while in a satin dressing the color of blood.
Watching this scene be shot, with Nick Cage getting himself ready for the fight and coming at the camera in full fanged and frothing fury was amazing. I’m not ashamed to say I may have been cheering a little too loudly and had to quiet down because it was Nick Cage as Dracula beating down wannabe Van Helsing’s on the other side of the wall. How do you not geek out?
Getting to see the costumes and the paraphernalia being worn and used by the actors, and the amount of detail that was being worked onto the screen was amazing. These are fans of the genre and the characters bringing them to life and they are doing it with a lot of love and a lot of talent. And when I say love I mean the real thing. The crew rescued a bulldog that was found wandering around near filming and they got him vet treatment, cleaned up and fed and now he’s being adopted by one of them.
This is the lucky bulldog that was rescued and adopted by the crew.
Oh and bugs…It’s Renfield after all and yes…I ate bugs with Renfield AKA Nicolas Hoult who actually did eat some real bugs. Unlike his co-star who ate a live cockroach though in Vampire’s Kiss, Hoult’s bugs are all dead and some of them are fake. I ate the fake ones (sorry I’m not that hardcore) but I did see one of our guides on set eat a rather crunchy real bug that I feel she immediately regretted. It was loud.
And oh yeah, yours truly got to wear THE CAPE (and yes, all caps is what that deserves).
Our correspondent Jessica Dwyer tried on Dracula’s cape and has been feeding on blood ever since
For the first part of our set-visit, we got to chat a bit production designer Alex Hammond, who gave us some insight about the film’s setting and style. One thing that’s noteworthy is that the film, is some ways, is a continuation/hommage to the classic 1931 Bela Lugosi version.
Alec Hammond: We’re actually using some direct references to the original films, and to some of the actual Universal horror movies. The original ones. So, the — so, we established for the audience those actual film — and some of those actual film images early, with this sort of, semi-unaltered. So, what — in some ways I have no choice but to — as, sort of as a designer, play off the visual world that is established in those films. We don’t go into them in depth. We definitely use some of those frames. So, even if you’d never seen the 1931 Dracula movie. If you’ve never seen Bela Lugosi, you will. And you will a little bit, in terms of — of those, sort, of cinematic images. So, everything that we do after that is a direct play off of them. One of the things I was — because we’re contemporary, obviously.
So, one of the things that I was interested in doing is maintaining the scope, the scale — those are big spaces. Like, that staircase, when he first meets Renfield is gigantic. You have a — and it sets up a couple of things. It sets up the — we’re — we need to see an en — we need to see an event. We need to see an event movie, but we also, and we — it tells who the character is. It tells us who Dracula is. It gives us a lot of information about Renfield being a real estate agent in London, coming and being sort of over — personally overwhelmed. It gives you character ideas as you’re watching the film, about who he is. And that has a direct relationship of his conflict right now — and who Dracula was. And, so one of the things that I did with those movies is more than trying to ape the design that happened, I tried to figure out what the — what was really happening with the characters and who the characters were in those, and then how the environments in those original films added to that and helped tell that story. And then, take those same things and apply them to our version, or our film, which is in the same linear — not with the same tone, but in the same linear world as those. So, when you see — think about Renfield, ‘cause I have spaces to design for Renfield for those movie that are really his — contemporary spaces they’re his. You have to, then, put yourself — okay, he’s been working with Dracula since 1931. He’s been procuring victims for him and he’s in a very different place in his life right now. But, in order to not have him just be an ass who brings people to this monster to be killed, you have to sort of get yourself into who that character is. And when you do that, you realize he’d never seen anything like that. He was being taken to, in a time where we don’t Twitter and we don’t have, you know, television, and we haven’t seen house — you know, houses of the rich and famous. He gets to go to this place that he’s never been. He’s completely overwhelmed.
Alec Hammond shows us Dracula’s iconic fangs
Hammond also discussed the challenge of bringing Dracula to the 21st Century, and how, in the end, Nicolas Cage was born to play the role.
One of the things that I talked to McKay about when I first read the script before knowing any of the cast or any of this is Dracula is a movie star. You know, he has to be a movie star. And, not in terms of the casting, but just who that character is because we have to feel like, oh, my God, I’d do anything to work with him. The charisma of that character has to be — because you gotta do it for a long time. You brought him a lot of people to be sucked dry and eaten in the last 99 years. And so, if it’s not somebody who has that — I mean, he’s in the most wonderful — thankfully not political, but the most wonderful narcissist you’ve ever met. And, you have — but you have to — with all those characters there has to be an end to it. So, in some ways, what I — and I think what I always try to do is, I try to build the designs from the characters out. Because nobody is coming to watch the scenery. I hope that the scenery adds to that, and they actually are — we have some wild moments in this film, in terms of what the design does, but we’re coming to watch the characters. We’re coming to watch a Dracula movie. We’re coming to watch a Renfield movie. I am a designer, and I don’t — maybe Dune, but other than Dune — other than Dune, I don’t know that I’d go to the movies to watch the scenery. Definitely went to Dune to watch the scenery.
Hammond also discussed what made the Renfield team choose New Orleans as their setting:
I like designing genre movies and I like designing theatrical genre movies because they distill down the things that we all go through on a day-to-day basis and make them so much larger than life that, in some ways, the scenery and the designs have to come up to that. So, it allows us to do, you know, I never want to live there. That’s my — I’d never want that to be my office, but damn was it fun to design. For — Ella Lobo. And, you know, you get to do things that are larger than life — excuse me — that are, sort of, over scaled, that match the — match the extreme behavior and situations of the movie. You have someone who lives on, you know, drinking — that lives from drinking somebody else’s blood. I mean, it — and you deal with that in a very straightforward way, which we also got to do. How does that work? How does it work when some — when Dracula’s reduced to needing to be nursed back to health? How would you go about, you know — you can’t breast feed the guy. How do you actually get — how do you get blood in him? And, in some ways, from sort of, these first images, which are Dracula still with some of his trappings of grandeur. Then, where he ends up, when we set him in New Orleans, is sort of, hints on the tone of this film, which is, you think of castles in Transylvania Roman — Transylvania region of Romania. I’ve been to the Vlad Dracul castle scouting for another film and they’re fantastic. But, you have that kind of bold, European grandeur and then you have the place where the movie is set, in the United States, the most — the epitome of what we would think of — the American gothic. You know? It’s — it’s the home of Lestat. It’s the home of mid — all of the vampire lore. There aren’t a lot of vampires that exist in Alburquerque. But it not a lot of historic ones. If we — if we all — if you pulled everybody in the United States and said, ‘where would a vampire live in the United States,’ they’d probably say New Orleans. And, what we get to do, in this film, and what I go to do as a designer, is go into the place where you think, great, we’re gonna go down magazine street straight and take right into the upper garden district and there’s one of those great old mansions. Got a huge, live oak in front. It has moss dropping down from everywhere, so that all falling down, it’s all boarded up, and we go directly toward it and take a left-hand turn and end up in an abandoned hospital. And, how far Dracula has fallen. But we found an abandoned hospital that looks like a castle. You know, it’s 1930s — 1932 — completely symmetrical. Feels like it could be one of those European castles. And then, he lives in the basement. And, he — it has all fallen down and how far the mighty have fallen. And, you know, there’s — I don’t know if it’s stage direction or a line, but you know Marverel’s of Ishford (ph) — vampires. Now, with Twitter and TrueCrime and, you know, in New Orleans, if you drive around here too much, you’ll probably get a speeding ticket because there’s cameras on every corner. And it’s — it would be a tough place to actually have to find victims.
Next up, we had a little impromptu group chat with writer Ryan Ridley, who explains the delicate mix of genre the filmmakers are trying to pull off with this blend of horror, action and comedy.
So, you’ve written a lot of animation. Writing live action versus animation — does it make it easier for you to have a more — physically having to be able to control the environment or are you more happy when it’s, like broad strokes that you can do?
Ryan Ridley: Well, I’d prefer live action, fundamentally, just ‘cause I like the live — liveness of it, like being a set, work with actors in real-time and the moments they can create. Whereas, like animation is just a long, I don’t want to use the word slog, but you know, it’s n — you’re not immersed in the process as much in the real-time process of it. But you can also do much crazier things, in theory, with animation that would be much more expensive in live action. So, it’s always a pro and con, but I prefer live action for many reasons.
Can you talk about striking the tone between, you know, we hear there’s lots of limbs flying. So, between the horror and the humor.
I think they go hand in hand, pretty — severed hand in severed hand, pretty well. You know, it’s like the darker the, you know, the darker the violence than the funnier the comedy will be, often times, you know. So, and that’s certainly my, like inspiration is like Sam Ramey and early Peter Jackson and Return of the Living Dead. So, that’s just, like in my, you know, creative DNA. So, it was easy, in theory.
So, when you were creating the relationship between Dracula and Renfield, in the original film, their relationship didn’t end great. They — he was murdered. So, can you talk about how that works in this film and writing for Nick and Nick.
Yeah, well, I guess, so, now I’m feeling busted. Renfield dies in the original film?
Yes.
Well, let’s pretend that was — you know what, what we’ll learn is that through supernatural abilities, he’s never really dead, or at least he can come back from — he’s really wounded. So, you know, the idea is, like what if, after that first movie, throughout the next x-amount of decades, they continue to have adventures together and continued the cycle of what we’re going to see in this, you know, scene that’s being shot today. Like, the ultimate, you know, the destruction of Dracula once his enemies — vampire enemies find him, and then Renfield’s always trying to — always picking up the pieces. And so, it’s like the relationship is like, you know, kind of just like being the personal assistant to, like the most self-destructive, like rock star, movie star, whatever, in history and so, it’s sort of, like intertwining that classic Dracula familiar — am I allowed to still talk — relationship with the classic, like, modern contemporary assistant-boss relationship. You know? So. Yeah.
The latest trailer for Renfield comes out tomorrow! Read our interview with Nicolas Cage here. More to come later this week from director Chris McKay and Awkwafina!