Chevy Part X http://chevypartx.com/ Wed, 22 Jun 2022 18:41:23 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://chevypartx.com/wp-content/uploads/2021/06/cropped-icon-32x32.png Chevy Part X http://chevypartx.com/ 32 32 Billings Logan Airport Celebrates New Electric Vehicle Chargers https://chevypartx.com/billings-logan-airport-celebrates-new-electric-vehicle-chargers/ Wed, 22 Jun 2022 18:21:03 +0000 https://chevypartx.com/billings-logan-airport-celebrates-new-electric-vehicle-chargers/

Electric vehicles are here and their demand continues to grow. Sure, the classic throaty V8 sound resonates deep within us, but it’s inevitable that we’ll migrate to a predominantly electric vehicle society. All is not lost, however, as they are super fast, usually filled with all sorts of gimmicks and gadgets, and over time… range anxiety goes away.

New electric vehicle chargers at the BLIA Express car park

Next Thursday, June 30, at 2 p.m., Billings Logan International Airport welcomes everyone to a groundbreaking event to bring 6 new electric vehicle chargers into service. Kevin Ploehn, Billings Director of Aviation and Transit, offered this:

Electric vehicles are becoming increasingly popular and we wanted to be able to offer this service to the traveling public if they were driving their electric vehicle into Billings Airport to catch a flight.

Pretty cool to have even more charging options for locals and tourists. Speaking of charging, did you know that Billings already offers a few electric charging stations? In reality, Billings has a wide selection.

Coming

Constantly adding and improving, Billings has two locations that will receive Chargers over the next year.

  • Town Pump – 517 Shiloh
    • The Montana Department of Environmental Quality awarded Northwestern Energy a grant to install 1 fast charging station and a Level 2 “ChargePoint Express” charger
  • Target in the heights
    • No details readily available

Tesla only

A few years ago, Tesla installed one of its “Supercharger” stations in Billings, which (for now) only works on Tesla vehicles. You will find the Supercharger at 1801 Majestic Lane (Big Horn Resort).

Universal (sort of)

As with almost all other cars, here is a list of Billings/Lockwood charging locations only (data from PlugShare.com):

  • Volvo submarine
  • Archie’s Used Vehicle Center
  • moose lodge
  • Associates in Neurology
  • Skypoint (with 50 feet of cable)
  • Wells Fargo parking lot
  • Park Two parking lot
  • Yellowstone Transportation Authority
  • Billings KOA Holiday – Garden Avenue
  • Bretz RV & Marine

I would err on the side of caution with some places, and just make sure they are public first, but that’s a lot of options for the electric car user!

Range anxiety? A thing of the past.

My car, a 21 year old Kia K5, averages 27 MPG. Which at a 15 gallon tank times the current gas price (4.89/gal at Conoco on the 27th) is $73.35 to run it…and I get (can -be) 400 miles for one tank.

On the other hand, the national average to fully charge a Tesla is nearly $14. And let’s say you have a Tesla Model 3 Long Range, which is the best-selling model, you get (maybe) 358 Miles per charge (full disclosure, Tesla limits your battery for normal daily driving, ie say only for highway mode).

Huge savings for almost the same range as my Kia, but… my Kia was also $32,000 less than the lot. A long-range Model 3? $60,000 (before “potential savings”)

Over time, electric cars will take over. With incredible range, lower prices, and a better overall experience (nothing will replace floorboards with amazing exhaust, though). At least you can rest easy knowing that Billings is electric car friendly!

20 Beautiful Classic Cars Found Near Billings, MT

From sleek to fast to just plain cool, these vintage cars near Billings, Montana are just too cute not to take a look.

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👨🏿‍🚀TechCabal Daily – Amazon Prime Nollywood https://chevypartx.com/%f0%9f%91%a8%f0%9f%8f%bf%f0%9f%9a%80techcabal-daily-amazon-prime-nollywood/ Wed, 22 Jun 2022 05:30:13 +0000 https://chevypartx.com/%f0%9f%91%a8%f0%9f%8f%bf%f0%9f%9a%80techcabal-daily-amazon-prime-nollywood/

AMAZON PRIME ORDERS 3 NOLLYWOOD MOVIES

In the last 2 years we have seen foreign streaming services ordering movies from Africa, some recent examples being South Africa blood and water and Nigeria King of Boys: Return of the King. Both series are Netflix Originals.

Amazon Prime Video has now ventured into ordering Nigerian movies. Last year, he signed deals with 2 production studios in Nigeria, Inkblot Productions and Anthill Studios.

Now the platform is strengthening its position with another deal.

On Tuesday, a Nigerian production house, Nemsia Films, announced that it had reached an exclusive 3-feature commission deal with the American streaming giant.

Lateral bar : A slate deal in film is one where a party has agreed to co-finance or solely finance multiple films from a particular film studio.

In this case, Amazon reserves the intellectual property rights of the 3 films on the slate and will cover the production costs of the 3 films.

The first feature under the deal is titled Breath of Life and is written and directed by Nemsia co-founder BB Sasore and produced by actor Eku Edewor, who recently joined Nemsia as producer. The film is expected to hit our screens by July 2022.

Zoom out: Continuous wars across the continent are heating up. With the recent launch of Disney+ in South Africa and the penetration of other services from Netflix to YouTube, traditional streaming services like DStv have their work cut out for them.

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HEALTHTRACKA TRACKS IN 1.5 MILLION DOLLARS

Nigerian healthcare tech Healthtracka has raised $1.5m in a seed round led by Hustle Fund and Ingressive Capital. Alumni Angels Alliance and Flying Doctors also participated in the round.

What Healthtracka does

Healthtracka provides a web-based solution that allows users to book lab tests online, pick up their samples at home, and receive their results by email within 48 hours. Healthtracka uses the information it obtains from the tests to provide teleconsultation to patients who may need urgent medical attention.

Tests include fertility tests, STD tests, complete blood count, and COVID tests.

What they will do with the funding

The startup will direct funding toward geographic expansion, scaling the business, and health advocacy.

Healthtracka plans to expand to Ghana, Rwanda, Kenya and other states in Nigeria. It also wants to extend its offers to its partner companies and allow them to offer home tests to their employees.

He’s also thinking about retail health care providers. The healthcare startup plans to offer subscription-based services to healthcare companies like hospitals, pharmacies and telehealth service providers to facilitate home blood testing for their patients.

Healthtracka also wants to become an infrastructure that enables digital diagnostics and healthcare providers to reach their customers in their comfort zones. It plans to do this by offering plans that extend the necessary APIs to them.

Healthtracka is committed to ensuring that its services are accessible to the low-income population. From Lagos, the startup will accelerate its community advocacy. “We will go to these communities to screen people at home for important tests like cancer,” said co-founder Ifeoluwa Dare-Johnson.

This recent increase by Healtracka represents more than 75% of the female full funding founders in health-tech received last year in Africa. Hopefully, the funding gap between female-led health tech startups and male-led health tech startups won’t be as daunting as it was last year.

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AUTOCHEK PARTNERS WITH PEZESHA TO OFFER BNPL TO SMES


Start of Autotech Automatic control has partnered with Kenyan fintech Pezesha to provide car loans to small and medium businesses with no formal credit history.

Where is Autochek going?

Autochek wants to be more than an online marketplace for cars or car maintenance. He wants to deepen the penetration of auto finance across Africa. How far do they want to go? As far as African SMEs can go.

This Partnership with Pezesha is one of many that he crystallizes to achieve this goal. It has partnered with around 70 banks including Fidelity Bank, Ecobank, NCBA, Access Bank and Stanbic Bank in Kenya.

Autochek’s partnership with these banks facilitates its car loan service platform. The loan service platform is available both on its app and on its web platform. It allows customers in East and West Africa to access a variety of financing options to purchase new cars and trucks. Loans are processed within 24 hours. They carry an interest rate of 15% and are repayable over a period of 4 to 5 years.

In addition to financial partners, the lending platform also has a network of more than 30 vehicle brands, including Inchape (LandRover), CMC (Ford and Eicher Trucks), Dana (Kia), Coscharis (BMW, Landrover), Globe (Mercedes Benz), Elizade (Toyota), CFAO (Toyota, Suzuki, Mitsubishi), Innosson Motors and Nord Motors.

With its notable presence in North, East and West Africa, and its vehicle finance plans, Autochek appears to be on the way to establishing itself in the African automotive market.

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3 in 4 online shoppers experience buyer’s remorse, survey finds https://chevypartx.com/3-in-4-online-shoppers-experience-buyers-remorse-survey-finds/ Tue, 21 Jun 2022 13:46:43 +0000 https://chevypartx.com/3-in-4-online-shoppers-experience-buyers-remorse-survey-finds/

Shopping online can lead to impulse purchases and the temptation to overspend, preventing consumers from reaching their financial goals, according to a new survey. (iStock)

While online shopping is a convenient way to purchase the items you need and compare prices between retailers without leaving the comfort of your home, survey data indicates that it can also lead to bad shopping habits. consumption.

Nearly three-quarters (74%) of online shoppers have experienced buyer’s remorse, according to a recent study on the Slickdeals coupon search website.

The most common regret expressed was that the value of an item was less than expected for the price (39%), followed by not really using an item purchased online (34%). About a third (32%) of consumers said they regretted spending too much money when shopping online.

If you feel the need to splurge, keep reading for tips on how to curb overspending habits. Plus, learn more about how to manage your credit card debt. One strategy is credit card consolidation, which involves paying off high-interest credit card debt with a fixed-rate loan. You can read more about personal loans for debt consolidation on Credible.

3 WAYS INFLATION AFFECTS YOUR PORTFOLIO AND HOW TO FIGHT RISE IN PRICES

How to Adopt Healthy Spending Habits When Shopping Online

One of the most common consumer regrets is that they spend too much money when shopping online, according to the survey. If you share this feeling, check out these tips from the credit reporting company, FICO, to help you stop overspending online:

  • Don’t shop online when you’re in a bad mood. Get yourself in a clear frame of mind before whipping out your credit card to avoid unnecessary spending. You might also want to stay away when you’ve been drinking – around six in 10 consumers have admitted to shopping online while intoxicated, according to Slickdeals.
  • Wait a day before making an online purchase. Move the item out of your cart and into a list to save it for later. If you still need the item in the next few days, think carefully if the purchase is worth it.
  • Avoid Buy Now, Pay Later (BNPL). Installment finance options like BNPL can tempt you into spending too much on a purchase you can’t really afford. And if you miss a BNPL payment, it could hurt your credit score.
  • Make a shopping list with spending limits. Just like at the grocery store, you should come prepared with a detailed list of the items you need, to avoid impulse buying those you don’t have. Also set a dollar limit for how much you’re willing to spend per item.
  • Put some money aside for a “splurge fund”. This separate account can come from birthday money, work bonuses or other cash receipts. If you need retail therapy, you can tap into that extra cash reserve instead of relying on credit or dipping into your emergency savings.

As a bonus, you can put your rainy day fund into a high yield savings account and watch the balance grow over time with interest. You can visit Credible’s online financial market to compare savings rates from multiple banks at once.

5 MONEY TIPS TO ACHIEVE YOUR SAVING GOALS

What to do if you’re struggling with credit card debt

Shopping online can be a gateway to overspending for consumers struggling to manage their credit card balances. If you’re having trouble keeping track of your spending behavior, learn more about common debt repayment methods in the sections below.

Consider meeting with a credit counselor

Non-profit credit counseling agencies offer free or low-cost debt management services to consumers struggling with financial planning.

A credit counselor can analyze your monthly income and expenses to help you establish a budget. In some cases, they might sign you up for a debt management plan (DMP) to pay off your creditors in fixed installments. Credit counselors may even be able to negotiate with creditors on your behalf to secure a lower interest rate or waive late fees.

You can find a licensed credit counseling agency in your area at the Department of Justice website.

HOW TO MAXIMIZE YOUR CREDIT CARD REWARDS

Use a credit card with balance transfer

Credit card balance transfers allow you to transfer debt from one or more accounts to a new card with a lower interest rate. Applicants with excellent credit can even qualify for a 0% APR introductory offer, effectively giving them a period of up to 18 months to pay off their debt interest-free.

However, balance transfer cards are generally reserved for borrowers with a very good credit score, defined by the FICO model like 740 or higher. Therefore, debtors with good or bad credit may not qualify. Additionally, many credit card companies charge a balance transfer fee, usually between 3% and 5% of the transferred amount.

You can visit Credible to compare balance transfer credit cards for free without affecting your credit score.

RENT PRICES ARE RISING ACROSS THE COUNTRY, REPORT SAYS

Consolidate your credit card balances into a fixed rate loan

Credit card consolidation allows borrowers to consolidate multiple higher interest rate debts into one monthly payment with a personal loan. According to the Federal Reserve, personal loans typically offer lower rates than credit cards, which means you may be able to save money in interest charges, pay off debt faster, and lower your monthly payments. through debt consolidation.

Personal lenders determine interest rates and eligibility based on the length and amount of the loan, as well as the creditworthiness of the borrower. Applicants with good credit and a low debt-to-income ratio (DTI) will be eligible for the lowest interest rates available, while those with fair or worse credit may not be eligible at all.

Personal loan rate by credit score

Most lenders allow you to prequalify to see your estimated interest rate with a soft credit check, which won’t impact your credit score. You can prequalify with multiple lenders at once in Credible’s personal loan marketplace.

DEBT COLLECTORS CAN NOW CONTACT YOU BY TEXT, EMAIL AND SOCIAL MEDIA

You have a financial question, but you don’t know who to contact? Email the Credible Money Expert at moneyexpert@credible.com and your question might be answered by Credible in our Money Expert column.

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The steady decline of diesel – but it’s still far from dead https://chevypartx.com/the-steady-decline-of-diesel-but-its-still-far-from-dead/ Mon, 20 Jun 2022 22:09:16 +0000 https://chevypartx.com/the-steady-decline-of-diesel-but-its-still-far-from-dead/

Diesel passenger cars and small SUVs have fallen out of favor with Australians over the past 15 years – but large SUVs, 4x4s, utility vehicles and vans are keeping the fuel flame alive.


Introduced to the passenger car market in the 1960s, Australians’ relationship with diesel has been one of ups and downs.

Diesel has long been the fuel of choice among four-wheel drive vehicles and utility vehicles, but among passenger cars and family SUVs its popularity has risen and fallen in recent decades as the efficiency of gasoline engines are improving and hybrid and electric cars are gaining popularity.

In 2006, only 2.6% of all passenger cars sold accepted diesel fuel, compared to 21% of SUVs – figures that peaked at 8.0% for passenger cars in 2011 and 38.9% for SUVs in 2012.



But today, just 4.2% of new passenger cars sold so far this year have been powered by diesel, while fuel accounts for 21.6% of SUV sales – albeit up from share respectively of 3.3 and 19.9% ​​in 2021.

Diesel is still king among light commercial vehicles – accounting for 92.3% of vans and vans sold so far in 2022, up from 48.7% in 2006 – but (almost) everywhere else it’s on the decline.

The slowdown in sales has also led to a drop in the number of diesel cars still on sale. BMW and Audi are the latest automakers to offer diesel engines in passenger cars – at any cost – while the best-selling Toyota RAV4 swapped its diesel option for a petrol-electric hybrid in 2019.



Let’s take a look at the new diesel cars, SUVs and light commercial vehicles you can still buy – and how many consumers still do.

Note: The sales mix percentages included below are for the first five months of 2022, unless otherwise specified. Stock-outs and production delays mean they may reflect supply rather than pure customer demand.

Of the three Australian vehicle types, passenger cars have seen the biggest decline in diesel popularity.



A diesel engine can no longer be installed in a sedan – and it is only offered in sedans and station wagons by two brands, BMW and Audi.

Audi offers diesel Allroad station wagon versions of the A4 and A6 – which account for 2 and 11 percent of each model’s sales respectively since the start of 2021 – as well as the A8 sedan, which accounts for 50 percent of sales.

Meanwhile, 31% of BMW 5 Series big cars sold so far this year have been 530d diesels – helped by fleet deals with NSW and Victoria Police – while 11% of outgoing 7 Series flagships over the same period are 730d diesels.



So far in 2022, diesel has accounted for 73% of Hyundai Staria sales, 5.6% of LDV G10 sales and 90% of Kia Carnival sales – although the latter are determined by supply, as the diesel generally represented less more than 50% of Carnival’s sales.

Only two small SUVs can be equipped with diesel engines: the Jeep Compass in Trailhawk form and the outgoing BMW X1, of which only 3% sold this year have been sDrive18d diesels. The new X1 due later this year will not offer a diesel option.



With a luxury brand, diesel accounts for 4% of BMW X3 sales and 8.4% of Genesis GV70 sales – but 47% more important of Audi Q5 sales since the start of 2021, with the SQ5 TDI accounting for 14% Sales. the total alone. All Alpina XD3s are diesels.



The diesel is also available in the Mercedes-Benz G-Class – but accounted for no deliveries in 2022 as Mercedes focuses on clearing back orders for the AMG G63 flagship.

Diesel power dominates in utility and pickup trucks, with only a few versions – usually fleet-focused base grades – of some models even offering the choice of gasoline engines.

The only mid-size vans offering a choice between petrol and diesel are the Mitsubishi Triton and Toyota HiLux – although petrol is only available on the base “traffic controller” model and is only one for cent of Triton’s sales, or more. than expected 18% of HiLux sales.

American full-size pickups more readily offer gasoline, but only on the “1500” versions, with the heavy-duty “2500” and “3500” models generally sticking to diesel. Heavy-duty models account for 13% of Ram sales, or 26% of Chevrolet Silverados.

Only three vans of all sizes can be equipped with a diesel engine: the LDV G10, the Renault Kangoo and the Volkswagen Caddy. While diesel accounts for 92% of G10 sales, it only accounts for 27% of Kangoos.



Alex Misoyannis

Alex Misoyannis has been writing about cars since 2017, when he launched his own website, Redline. He contributed to Drive in 2018, before joining CarAdvice in 2019, becoming a regular contributing journalist on the press team in 2020. Cars have played a central role throughout Alex’s life, whether it’s about flipping through car magazines at a young age or growing up around performance. vehicles in a car-loving family.

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Rackley WAR opens second truck for Tate Fogleman in Nashville https://chevypartx.com/rackley-war-opens-second-truck-for-tate-fogleman-in-nashville/ Mon, 20 Jun 2022 17:23:13 +0000 https://chevypartx.com/rackley-war-opens-second-truck-for-tate-fogleman-in-nashville/

Nashville Superspeedway is the domestic circuit for WAR Rackley, whose headquarters in Centerville, Tennessee, is about ninety miles away. For Friday NASCAR Camping World Truck Series race at the Lebanon Oval, the team will once again expand to two trucks as in 2021, this time forming the #26 Chevrolet Silverado for Tate Fogleman associate Matt DiBenedettoit’s number 25. Dickies, Realtree and CamoSpace are among the various sponsors that will appear on #26.

Fogleman, the reigning Talladega Truck Series winner, started the 2022 season with On Point Motorsports. After racing the first eleven races, in which he scored three top 20s with a best streak of twelfth in Las Vegas and twenty-third in points, he was replaced by Josh Bilicki, Joey Gazeand camden murphy for the next three races.

“I look forward to the opportunity to drive for Rackley WAR at Nashville Superspeedway,” says Fogleman. Curtis Sutton and Willie Allen have built something special and put the right people in place to make it happen. The team has been competitive all year, and I look forward to continuing the success they’ve had and making the most of this opportunity. It will be special for the city of Nashville, the home track of Rackley WAR. The city environment is unlike any other place.

For the 2021 Nashville Truck Race, the first since the speedway’s revival after a decade of inactivity, Rackley WAR opened #27 for William Byron in addition to lining up #25. Byron, the 2016 Truck champion, didn’t last long as his engine died after seventy-eight laps.

Sutton, co-owner of the team with Allen, leads Rackley Roofing who owns the naming rights to the Truck event.

“We’re really excited to be running the second truck with Tate Fogleman in Nashville,” Allen commented. “It gives our team the opportunity to collect race data with a second entry and Tate brings a level of experience to the team which we believe provides a great opportunity for us to race very well for the Rackley Roofing. 200 with Tate and Matt.”

DiBenedetto joined Rackley WAR for the 2022 season and is currently twelfth in the standings with six top ten finishes.

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Automakers focus on second life for EV batteries https://chevypartx.com/automakers-focus-on-second-life-for-ev-batteries/ Mon, 20 Jun 2022 12:00:00 +0000 https://chevypartx.com/automakers-focus-on-second-life-for-ev-batteries/

Most automakers haven’t fully ramped up production of electric vehicles, but they are already looking at second-life uses for the batteries going into those vehicles.

Audi is working with startup Nunam to install battery modules from decommissioned test vehicles into electric rickshaws, which are expected to hit Indian streets in early 2023 as part of a pilot project. They will be made available to a non-profit organization and used to transport goods to market for sale, according to an Audi press release.

After initial use in a car, these battery modules can still store a lot of energy, Nunam co-founder Prodip Chatterjee said in the statement. With their light weight and low power and range requirements, rickshaws are an ideal use case, he said.

And in general, as the the wall street journal recently pointed out, the reuse of electric vehicle batteries could help develop renewable energy and solve waste problems.

Electric rickshaw powered by Audi battery modules

Electric rickshaws are already common in India, but they are often powered by lead-acid batteries with a shorter lifespan than the lithium-ion battery modules in Audi electric vehicles, and are often improperly disposed of, according to Audi and Nunam.

To combat emissions from charging electric rickshaws from India’s largely coal-fired grid, Nunam is also developing solar-powered charging stations. And it also plans to use second-life batteries for energy storage.

This is just the latest of many projects aimed at finding second-life uses for EV batteries. Another recent example comes from the Volvo Group (a separate entity from Volvo Cars), which bought a 10% stake in British energy storage company Connected Energy as an outlet for used batteries from its electric trucks.

Connected Energy Battery Energy Storage Unit

Connected Energy Battery Energy Storage Unit

Automakers have been showcasing second-life battery applications for years. Nissan and General Motors unveiled demonstration projects in 2015 using Leaf and Chevrolet Volt batteries respectively. Around the same time, Toyota unveiled an energy storage array in Yellowstone National Park made up of Camry Hybrid battery packs.

California-based B2U Storage Solutions is already making money with second-life Nissan Leaf batteries in energy storage. Rivian also pointed out that its battery configuration and layout was determined in part with second-life uses in mind.

These projects are based on the assumption that there will be plenty of batteries left after the cars they are installed in reach the end of their useful life. That said, with raw materials still so limited, there is some debate over whether reuse or recycling is the best option.

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Royal Bank of Canada – Consensus indicates 16.3% upside potential https://chevypartx.com/royal-bank-of-canada-consensus-indicates-16-3-upside-potential/ Sun, 19 Jun 2022 17:20:01 +0000 https://chevypartx.com/royal-bank-of-canada-consensus-indicates-16-3-upside-potential/

Royal Bank of Canada with ticker code (RY) now have 4 total analysts covering the stock. The consensus rating is “Buy”. The range between the target price high and the target price low lies between 115.73 and 106.31 and has a medium target at 112.21. Given that the stock’s previous close was at 96.48, this indicates that there is 16.3% upside potential. The 50-day MA is at 102.52 and the 200 moving average is now moving to 105.91. The company has a market cap of $134,779 million. Company website: https://www.rbc.com

The potential market capitalization would be $156,753 million based on market consensus.

You can now share it on Stocktwits, just click on the logo below and add the ticker in the text to be seen.

Royal Bank of Canada is a globally diversified financial services company. The Company’s Personal and Commercial Banking segment offers checking and savings accounts, home equity financing, personal loans, private banking, indirect lending, including auto financing, mutual funds and self-directed brokerage accounts, guaranteed investment certificates, credit cards, payment products and solutions; and lending, leasing, deposit, investment, foreign exchange, cash management, auto dealer financing, commercial products and services to small and medium commercial enterprises. This segment offers financial products and services through branches, ATMs and mobile sales network. Its Wealth Management segment offers a suite of advice-based solutions and strategies to high net worth, ultra high net worth individuals and institutional clients. The Company’s Insurance segment offers life, health, home, auto, travel, estate, annuity and reinsurance insurance advice and solutions; and business insurance services for individuals, businesses and groups through its Advice Centers, RBC Insurance Stores and Mobile Advisors; digital, mobile and social platforms; independent brokers; and travel partners. Its Investor & Treasury Services segment provides asset management, custody, payments and treasury services to financial and other investors; and fund and investment administration, shareholder, private capital, performance measurement and compliance monitoring, distribution, transaction banking, cash and liquidity management, foreign exchange and global securities finance services. The Company’s Capital Markets segment provides corporate and investment banking services, as well as issuance, distribution, advisory, sales and trading services of stocks and debt for corporates, investors institutions, asset managers, private equity firms and governments. The company was founded in 1864 and is headquartered in Toronto, Canada.

]]> Interest-Free Loan Program: How the Interest-Free Program Works https://chevypartx.com/interest-free-loan-program-how-the-interest-free-program-works/ Sun, 19 Jun 2022 10:29:26 +0000 https://chevypartx.com/interest-free-loan-program-how-the-interest-free-program-works/ The pilot initiative will expand beyond its existing areas in Herefordshire, Shropshire and Worcestershire to other parts of the UK

The Treasury-backed interest-free loan (Nils) scheme, which is run by credit unions and other lending organisations, has been successfully piloted in Manchester and will be rolled out across the UK in September.

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It is hoped the scheme will provide a low-cost alternative to the UK’s three million high-cost credit users, preventing people from going into debt or, in extreme situations, turning to loan sharks.

How does Nils work?

From September the pilot scheme will be extended from its current locations in Herefordshire, Shropshire and Worcestershire to other parts of the UK for a period of two years, with a decision on whether it should be extended later.

Customers are only allowed to take out one loan under the program, which can last from six to 18 months, although the average term is one year.

Borrowers can access between £100 and £2,000, with the average loan size being £500.

“We fund items ranging from household essentials and school uniforms to laptops to access education and training, and tools and equipment to help people get back to work,” Nils says on his site. website.

In May, John Glen, Economic Secretary to the Treasury, expressed optimism that a large-scale program could be implemented in the future.

He told the Association of UK Credit Unions that Nils “is a fundamental and worthwhile new initiative, to provide a gateway product for people who at the moment are beyond the lending capacity of some credit unions”.

“The challenge now will be to bring this proof-of-concept pilot to a larger pilot so that we can now validate it.”

How is it funded?

The pilot project is being funded with £3.8m from the Treasury, £1.2m from JPMorgan Chase and up to £1m in loan capital from each of the devolved administrations, with matching from Fair4All Finance in England.

The Treasury and the Department for Culture, Media and Sport set up Fair4All Finance three years ago to “support the financial wellbeing of people in vulnerable situations”.

Joanna Elson, chief executive of Money Advice Trust, said: “Too many people fall into a vicious cycle of debt that starts with needing to borrow a small amount for something essential like a fridge or cooker – with high interest and quick charges. turn small debts into big problems.

“It is essential that we improve access to affordable credit for those who need it. »

Why is it necessary?

(Photo: Matt Cardy/Getty Images)

In January 2022, research by a charity showed that the number of people struggling to meet payments and credit commitments had risen by around a third since the start of the Covid-19 pandemic.

According to a survey for StepChange, almost a third of UK adults – 30% or 15million people – said they struggled to meet their financial obligations, up from 15% or 7.5million people in March 2020.

Its survey found that nearly 8.6million people in financial difficulty borrowed £26billion in 2021 to cover basic needs, including 3.5million using credit to pay essential bills.

The cost of living crisis, according to StepChange, is expected to increase the number of people using credit to cover basic household needs in the coming months, and the organization warns that “immediate action” is needed to help households to pay the necessary expenses without resorting to credit.

How can I use the diet?

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What are the best diesel trucks? https://chevypartx.com/what-are-the-best-diesel-trucks/ Sun, 19 Jun 2022 02:41:30 +0000 https://chevypartx.com/what-are-the-best-diesel-trucks/

Gasoline prices are in the headlines and on everyone’s mind these days. With no immediate solution to the high prices at the pump, many consumers wonder if it’s cheaper to opt for diesel-powered pickups. Although gasoline and diesel engines work on the same principle, they are very different.

Both gasoline and diesel engines rely on combustion. However, it is the way in which this combustion is carried out that is different. The gasoline engine ignites due to spark plugs, while the diesel engine goes through a compression process that heats the air hot enough to ignite the fuel. Diesel fuel is also more energy dense and tends to be more fuel efficient than gas.