Mijas Guide http://mijasguide.com/ Thu, 02 Dec 2021 20:33:41 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://mijasguide.com/wp-content/uploads/2021/05/mijas-guide-icon-150x150.png Mijas Guide http://mijasguide.com/ 32 32 Christmas Shopping Sorted: Get awesome gifts for everyone on your wishlist at this online store, Consumer News & Top Stories https://mijasguide.com/christmas-shopping-sorted-get-awesome-gifts-for-everyone-on-your-wishlist-at-this-online-store-consumer-news-top-stories/ Thu, 02 Dec 2021 20:00:00 +0000 https://mijasguide.com/christmas-shopping-sorted-get-awesome-gifts-for-everyone-on-your-wishlist-at-this-online-store-consumer-news-top-stories/

If you haven’t started your Christmas shopping yet and are starting to panic, here’s a nifty tip. This year, FairPrice is making festive shopping super convenient – not only can you find something for everyone on the list, from food, drink, health and beauty products, and decorative items to toys and shopping. electronics, you can do it all from the comfort of your own home.

Besides convenience, FairPrice will also have exclusive online items, deals and discounts. And to further immerse you in the festive atmosphere, buyers can win up to $ 1,000 in weekly Christmas raffles. Every $ 30 you spend entitles you to one entry ticket to the weekly draw.

FATHER’S TIP: Download the FairPrice app for iPhone or Android to take advantage of exclusive online offers wherever you are.

Here are some of the exclusive gifts and treats you can find online at FairPrice for your spouse, kids, parents, pets, best friends and everyone. And if you entertain at home, you will also find all your needs there.

Gifts for him

D.LAB Dezign dynamic wired gaming headset, at $ 39. PHOTO: RIGHT PRICE

Electronic giveaways are sure winners – and FairPrice has quietly put together a huge selection online. To try D.LAB Dezign dynamic wired gaming headset, at $ 39, or a 20,000 mAh Solar powered wireless power bank, at $ 69, which allows it to power four devices at the same time. Plus, it has a built-in SOS flashlight, perfect for outdoor or camping use.

If he’s not a gadget guy, how about a bottle of prestige spirits? Better yet, some are offered for the end of year celebrations. For example, Johnnie Walker Scotch Whiskey (Black Label) costs $ 58 (UP: $ 67), until December 30, 2021.

Pearse Lyons 7 Years Distiller’s Choice is an Irish-style whiskey that tastes like the most alcoholic fruitcake ever, with hints of honeyed malt, clove-studded orange and sherry dried fruit, at $ 89.60 (700 mL).

For a man who sets style standards, the new J Beverly Hills Men’s Molding Pomade, at $ 66, offers definition without the stiffness or greasiness.

Gifts for her


Lululun Pink Balance Daily Toner Mask, at $ 29.90 (36 sheets). PHOTO: RIGHT PRICE

This year, with people spending so much time at home, gifts that help create a serene and special atmosphere indoors are sure to be a hit. To Be Calm Soy Wax Scented Candle, at $ 60 (480g), comes in a new Christmas scent, a soothing blend of balm and cedar. It comes in an eco-friendly glass container that can be recycled.

Equally calming is the new Lululun Pink Balance Daily Tonic Mask. At $ 29.90 (36 sheets), it’s an affordable way to hydrate and brighten skin. Give it as a gift and she can turn every evening into a relaxing spa session.

If she’s greedy, CHOCOELF Christmas Artisanal Chocolate Bark, at $ 16 (120 g), is a sweet treat. It’s “no added sugar,” but still tastes deliciously decadent. The packaging is also cute – it really feels like it was made by elves!

The gift wrapping of the Basilur Volume V Miniature Tea Book is really special. Inside a gift box that looks like a vintage book, you’ll find a packet of Christmas spice black tea. At $ 12 (10 g).

Gifts for kids (and furry kids)


Delico Merry Christmas wafer sticks, at $ 9.95 (package of five boxes of 100g). PHOTO: RIGHT PRICE

Kids are hard to buy, but FairPrice does a great job playing Santa’s little helper this year. For the youngest member of the family, a cuddly gift is the Shears Purest Baby 6 Piece Gift Set, at $ 29.90, in a pretty Yellow Duck pattern.

Older children who like a challenge will enjoy putting together a transparent 3D puzzle. The Play N Learn 3D crystal puzzle shows Snoopy clutching a heart and teaches spatial awareness (and patience!). It’s on sale at $ 23.92 (UP: $ 29.90) until December 30.

Too stressful? Delico Merry Christmas wafer sticks, $ 9.95 (five pack of 100g cans), make cute Christmas stockings. Available in Biscuits & Cream or Chocolate flavors.

Older kids will love the padded anti-theft backpack with built-in USB port, for $ 49. It allows them to connect to a power bank inside the bag so they can charge phones and laptops on the go.

To ensure your pets get the best, the Smart Pet UV Water Fountain, $ 149, uses three washable filters, as well as a UV light to remove sediment, heavy metals and chlorine from the water. of your animal. Plus, the device is app compatible, to send reminders to your phone when it’s time to clean the filters or top up with water.

Design-obsessed “pawrents” will also love the $ 39 Little House Scratcher Max Furrytail, which features a cat notepad inside the modern and minimalist “house”.

Everything you need for entertainment


Brown Brothers Moscato Rosa, at $ 27.90. PHOTO: RIGHT PRICE

From decoration to festive cuisine, everything is there. Start with glittering hang Paperforte stars, at $ 2.90 each, anywhere in your home. Take a handful of them and hang them everywhere (they look especially gorgeous with string lights inside). Then cook up a feast of festive food and drink.

Sasha’s Fine Foods makes entertaining easy with premium, sustainably sourced meat and seafood with no preservatives or additives. Sausage rolls, at $ 19.90; Black Pepper Chicken Pie, $ 10.90; and Angus Charolais Wagyu Beef Burgers, at $ 20.90, are perfect for serving in relaxed gatherings, or even with cocktails.

For something that will wow your family and friends, opt for Homemade Glazed Gammon Ham, at $ 39.90. This delicious party meal centerpiece comes cooked and frozen, so you don’t have to rush at the last minute. Thaw and reheat in the oven for 10 minutes – and enjoy the compliments.

When it comes to refreshing festive toast, nothing says the party like bubbles. FairPrice offers everything from sweet, sparkling sparkling wine to raw prosecco, plus a few refreshing options, like the Brown Brothers Moscato Rosa, at $ 27.90, which is a festive pink sparkling wine with the perfect level of fruit for the season. asian cuisine.

Ready to organize your Christmas shopping? Visit www.fair chauffage.sg now.

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I was a shopaholic and was £ 18,000 in debt after buying clothes EVERY DAY https://mijasguide.com/i-was-a-shopaholic-and-was-18000-in-debt-after-buying-clothes-every-day/ Thu, 02 Dec 2021 12:00:00 +0000 https://mijasguide.com/i-was-a-shopaholic-and-was-18000-in-debt-after-buying-clothes-every-day/

A mother of two shared how she went from almost £ 18,000 in debt over two years to a full-time personal finance blogger, saving thousands of dollars a year through a cashback app.

Victoria Sully, 36, from Newquay, had a shopping addiction in her late teens that left her riddled with unpaid credit card bills and nearly declared bankruptcy at age 19.

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Victoria almost declared bankruptcy at 19Credit: shopimum
Victoria and her two children

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Victoria and her two childrenCredit: Shopmium

It wasn’t until she sat down with Citizens Advice that she realized the damage she usually did. The former saleswoman then spent five years paying off her debt.

This overhaul of her lifestyle completely changed her attitude, and she has now discovered cashback apps, like Shopmium, which alone has saved her and her husband over £ 4,000 in five years.

The spender turned saver is now a full time blogger and shares all kinds of tips and tricks with his followers to help them earn money.

Victoria said: “When I was 18, I finally led a lifestyle that my salary as a saleswoman at the time couldn’t afford. I went out to party several times a week, drove a car I didn’t really need, had high cell phone bills, and bought new clothes every day.

FABULOUS BINGO: GET A FREE £ 5 BONUS WITHOUT DEPOSIT REQUIRED

“Although I never calculated all of my income and expenses, I stupidly assumed that I would always be able to pay the minimum payments. I never calculated what the total of these would be if I maximized everything.

“In less than two years, before I even turned 20, I owed £ 17,500. I had an overdraft, three credit cards, two loans and seven bank cards. Suddenly I realized I was in trouble. I couldn’t afford all the payments. The red letters started to arrive and I had no more credit available anywhere.

“Creditors might understand debt better now, but it was the early 2000s and I was getting some really horrible phone calls from my creditors constantly harassing me and asking for money that I didn’t have.

“Being in so much debt and not seeing the light at the end of the tunnel was a horrible and very low place. It’s a place I never want to be again.

It took Victoria five years to settle her debts through a debt management plan and she was cold about her shopping addiction.

She explained: “I paid off all my debts, while still having to learn how to really budget, as PayPlan would only allow me the bare minimum to have food each month. The rest, after my rent and my bills and a nominal sum for food, was shared between my creditors.

Freed from the threatening appeals of creditors suing, Victoria then settled down to start a family with her husband. It was then that she started to take more interest in super savings.

She reflected: “I started looking for apps to save money when I quit my job to devote myself full time to my self-employment in 2017.

“I was self-employed for a few years, but I always had a part-time job job to provide a stable income, just in case.

“When I left my last part-time job, I wanted to make sure that I not only had several possible sources of income. but that I was also proactive in finding ways to save money on the things we buy regularly.

“With most of the apps I use, like Shopmium, the money is returned as a lump sum, rather than saving at the time of purchase.

So that feels like extra income once it hits our bank and is treated as such – which means it goes to bills, other grocery stores, regular savings, and whatever else we might have. need money in our busy family life.

All the money we have left is a “fun fund” that we spend on outings with our two children or on vacations.

I paid off all my debts, while still having to learn how to really budget, as PayPlan would only allow me the bare minimum to have food each month. The rest, after my rent and my bills and a nominal sum for food, was shared between my creditors.

Victoria sully

“I always try to improve our overall family finances by using savings apps, increasing income, budgeting and having emergency savings for various things like our car or home appliances. that could break down. ”

Victoria is a big believer in cashback apps and advocates that people use them for every purchase they can.

She continued: “It’s not just about shopping for groceries and shopping for clothes, you can get a refund on even the most mundane things like booking your MOT!

“If I don’t use a cashback app when making a purchase, I feel like I’m wasting money. After what I went through with my debt crisis, I never want to take money for granted again and always make sure not only to budget our expenses but also to see how much more we can get out of it.

Victoria’s husband is also using his money-saving tips, and by pooling resources they’ve calculated that they’ve saved £ 4,128.57 in five years using cash back apps, coupons, loyalty cards and other hacks.

Victoria said: “Becoming a Super Saver has definitely changed my life for the better. Now, instead of obsessing and scared of money like I was after my debt crisis, I now see it as a challenge with rewards if I can find the best deal or offer to pay back. Our lives are all the more enriched as we can spend beautiful days with the family essentially for free by using the money returned by cashback applications!

Margarida Do Vale, UK Marketing Director for Shopmium, said: “It’s amazing how much Shopmium has helped Victoria change her life and get out of debt. Our mission is to transform shopping to make life better and her story proves it.”

You can read more about Victoria’s journey through her Blog and find out more about Shopmium by downloading it from the App Store.

Victoria is much happier now

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Victoria is much happier nowCredit: shopimum

Speaking of shoppers … Mum is stunned by the heartwarming gesture of a buyer from Aldi – which she only realizes when she goes to pay her shop £ 100

And a mum reveals how she saved £ 2.9k a year by cutting her grocery bill – and passing her tips on, she made her a MILLIONAIRE.

We also shared how a mom feeds her family of four for £ 1.50 a day and shares her monthly meal plan so you can too.

My boyfriend cheated on me so I gave him a chain with all their names on it for his birthday
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Rising private student loan rates – 10-year fixed rates still lower than at the start of the month https://mijasguide.com/rising-private-student-loan-rates-10-year-fixed-rates-still-lower-than-at-the-start-of-the-month/ Wed, 01 Dec 2021 19:28:02 +0000 https://mijasguide.com/rising-private-student-loan-rates-10-year-fixed-rates-still-lower-than-at-the-start-of-the-month/

Our goal here at Credible Operations, Inc., NMLS number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are ours.

The latest Credible Market Private Student Loan Interest Rates, updated weekly. (iStock)

Average private student loan rates for borrowers with a credit score of 720 or higher who have used the Credible Market to take out student loans have increased for both fixed and variable rates during the week of November 22, 2021.

  • 10-year fixed rate: 6.41%, against 6.40% the previous week, +0.01
  • 5-year variable rate: 5.91%, against 3.53% the previous week, +2.38

With Credible, you can compare private student loan rates from lenders without affecting your credit score.

While variable rates on 5-year private student loans increased by more than 2 percentage points last week, 10-year fixed rates barely increased. Rates for this term remain lower than they were at the start of the month – in the week of November 1, 2021, 10-year fixed rates hit 6.54%. Overall, rates have been very unpredictable from week to week, so there is a possibility that they will drop again by next week. Students looking for interest savings may want to go for a 10-year term now.

You should always exhaust federal student loan options before turning to private student loans to cover any funding shortfalls. Private lenders such as banks, credit unions, and online lenders offer private student loans. You can use private loans to pay for education and living expenses, which might not be covered by your federal student loans.

The interest rates and terms for private student loans can vary depending on your financial situation, credit history, and the lender you choose.

Take a look at Credible Partner Lender Rates for borrowers who used the Credible Marketplace to select a lender during the week of November 22.

Private student loan rate (diploma and undergraduate)

Trends in weekly student loan rates

Who sets federal and private interest rates?

Congress sets the interest rates on federal student loans annually. These fixed interest rates depend on the type of federal loan you take out, your dependency status, and your school year.

The interest rates for private student loans can be fixed or variable and depend on your credit, repayment term, and other factors. As a general rule, the better your credit score, the lower your interest rate is likely to be.

You can compare the rates of several student lenders using Credible.

How Does Student Loan Interest Work?

An interest rate is a percentage of the loan added to your balance periodically – essentially the cost of borrowing money. Interest is one way lenders make money from loans. Your monthly payment often pays interest first, with the rest going to the amount you originally borrowed (the principal).

Getting a low interest rate could help you save money over the life of the loan and pay off your debt faster.

What is a fixed rate or variable rate loan?

Here is the difference between a fixed rate and a variable rate:

  • With a fixed rate, the amount of your monthly payment will remain the same for the duration of your loan.
  • With a variable rate, your payments can go up or down based on changes in interest rates.

Comparing private student loan rates is easy when you use Credible.

Calculate your savings

Using a student loan interest calculator will help you estimate your monthly payments and the total amount you owe over the term of your federal or private student loans.

Once you enter your information, you will be able to see what your monthly payment estimate will be, the total you will pay in interest over the term of the loan, and the total amount you will repay.

About Credible

Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their unique circumstances. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options – without putting their personal information at risk or affecting their credit score. The Credible Marketplace offers an unmatched customer experience as evidenced by over 4,300 positive Trustpilot reviews and a 4.7 / 5 Octoberscore.

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TAKE A LOOK | Former Miss SA finalist to launch its international online store in SA https://mijasguide.com/take-a-look-former-miss-sa-finalist-to-launch-its-international-online-store-in-sa/ Wed, 01 Dec 2021 12:34:41 +0000 https://mijasguide.com/take-a-look-former-miss-sa-finalist-to-launch-its-international-online-store-in-sa/

bridger (Provided)

  • Former Miss SA 2017 finalist Shenai Bridglall launched her online clothing brand Bridger in South Africa on December 1.
  • The entrepreneur first launched the online fashion store in the US and the Middle East, and aims to sell in the UK, EU and Australia over the next two years.
  • Bridglall’s clothing brand aims to empower women, reminding them of their confidence and power.
  • For more stories go to www.BusinessInsider.co.za.

Former Miss South Africa finalist Shenai Bridglall is set to launch her online fashion bridger in South Africa on December 1 after previously launching in the United States and the Middle East.

Floral dress with puffed sleeves (bridger)

Floral dress with puffed sleeves (bridger)

The online fashion retailer was founded in 2018 and offers contemporary women’s clothing aimed at empowering women and making them feel like the “bosses” that they are.

“Empowering women is at the heart of everything I do,” said the founder. “My inspiration and the overall reason I started the business was to provide women with clothing that reminds them that they are confident, powerful and will shatter the glass ceiling. “

Satin <a class=outfit (bridger)” data-smallsrc=”https://cdn.24.co.za/files/Cms/General/d/413/00311194273948e9ae781977321d442f.jpg” src=”https://cdn.24.co.za/files/Cms/General/d/414/3141390d4c6a401598dda1dd1bb35989.jpg” title=”Satin outfit (bridger)”/>

Satin outfit (bridger)

The company responds to customer needs and preferences by marketing under two differentiated labels – Signature bridger and On-Demand bridger.

The first includes clothing with a patented printed signature that represents Aequitas (the Latin concept of justice, equality and fairness) holding a scales and a cornucopia.

Bridger Signature

Bridger Signature

This, according to the founder, means that the world will prosper in abundance when men and women have equal rights and opportunities.

Bridger On-Demand, on the other hand, launches new styles every week, but operates an on-demand production model.

Bridger on demand (bridger)

Bridger on demand (bridger)

Bridger on demand (Bridger)

Bridger On Demand Tops

Bridger On Demand Stockings

Bridger On Demand Stockings

This means that the brand only manufactures the number of clothes it sells, with mostly recycled fabrics.

The 26-year-old entrepreneur, who had no experience in fashion, holds a bachelor’s and master’s degree in business from the University of Cape Town, as well as a post-graduate degree in technology shoes and bags from Polimoda, Italy.

She began her career in data analytics, specializing in the field during her time at Google and TFG.

According to Bridglall, part of the profits from the BridGER company are donated to a program called #KeepingGirlsAtSchool as part of the EssBee Foundation, a non-profit organization she founded to fight gender inequality.

Sequin top and sequined evening pants (bridger)

Sequin top and sequined evening pants (bridger)

“To date, we have funded 25 girls and aim to fund 100 girls by 2025,” she said.

The company currently reaches customers in almost all parts of the United States and the Middle East. Bridglall’s goal is also to reach customers in the UK, EU and Australia over the next two years, “realizing our goal of becoming a global brand,” she said.

Get the best of our site by email every day of the week.

Go to the Business Insider home page for more stories.

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Lola’s unique creations find their place in the central square https://mijasguide.com/lolas-unique-creations-find-their-place-in-the-central-square/ Tue, 30 Nov 2021 19:36:30 +0000 https://mijasguide.com/lolas-unique-creations-find-their-place-in-the-central-square/

Lola is not for the faint of heart.

The Cambridge boutique run by Quincy native Nicole Lyons is aimed at shoppers who want to stand out with a mix of vintage, handmade and designer clothing.

Lyons is a designer and stylist by trade (and blood trader, she notes), working on her designs since childhood, assembling looks on Barbie dolls. The graduate of the University of Massachusetts at Boston majored in theater and later became the department’s resident costume designer, which led her to take an interest in collecting vintage clothing and accessories.

Since 2007, Lyons has overseen Lola’s many transformations, from her first store in Allston to a hot pink Lola mobile for sale online at a physical location, now on Mass Avenue. In its current iteration, Lola’s is connected to a medical marijuana dispensary, Revolutionary Clinics, after being granted the space by the Central Square Business Improvement District.

The space is small but vibrant: colorful works of art hang on the walls, masks hang from the ceiling, a Barbie by Jean-Michel Basquiat sits on a high shelf. Clothes racks are filled with ripped and painted denim, matching camo green sets, and flared patterned tops; some that she did, others that she organized.

Lyons says her style is inspired by everything she encounters – from graffiti to Tokyo street style to her first love, fashion history.

“If it’s something that doesn’t turn me on, I’m not going to work with it,” Lyons said of her hand-picked products.

Lola’s offers vintage finds unique to Cambridge.Jennifer rose

For Lyons, there is never a style or fashion choice that she considers too “out” for her work. She respects the mantra that if she loves her products, so will her customers. Lyons works closely with the customers who buy from her store, polishing and styling the items to find balance and personality in each custom look.

“A lot of my clients are artists: drag queens, dancers, singers, so I’m leaning towards that a bit. They know if they come over and want their hair done by me, then I’m not going to put them in something safe, ”Lyons said. (For Lyon, “sure” means boring.)

Although Lyons’ designs have been featured in Vogue Italy and spotted on the Instagram of her client R&B singer Erykah Badu, she says she feels more comfortable with Lola.

“I don’t have to be like a stylist for Vogue or a designer on Broadway because that’s where I live,” Lyons said.


Riana Buchman can be contacted at riana.buchman@globe.com.

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Oregon borrowers learn about possible relief from revised student loan repayment program https://mijasguide.com/oregon-borrowers-learn-about-possible-relief-from-revised-student-loan-repayment-program/ Tue, 30 Nov 2021 03:11:55 +0000 https://mijasguide.com/oregon-borrowers-learn-about-possible-relief-from-revised-student-loan-repayment-program/

A long-standing program promised to cancel federal student loans for people who worked in the public service and made loan payments for 10 years. But that’s not how the public service loan forgiveness program, or PSLF, worked for borrowers.

“I’ve been a federal employee since 2008, working as a wildland firefighter,” wrote Ben, a webinar participant hosted Monday by US Representative Suzanne Bonamici, D-Oregon. “It was difficult to navigate the PSLF program, and after a few years, I gave up asking for relief. I still have about $ 12,000 in debt. Is there any relief for someone like me?

Representative Bonamici said the frustration with the PSLF was “a story I have heard over and over again”.

US Representative Suzanne Bonamici (D-Oregon) sponsors blue carbon legislation to protect marine environments. She is pictured here in front of an estuary in Astoria, Oregon.

Courtesy of the office of Deputy Suzanne Bonamici

Bonamici has been advocating for improvements for years, and now, with temporary changes finally in place, borrowers like webinar attendee named Ben should get some relief. Bonamici urges Oregonians to take advantage.

“The civil service loan forgiveness program passed in 2007, and it was really meant to encourage students to pursue civil service, and the benefit was that balance release after paying for 10 years,” said Representative Bonamici during a webinar she hosted. late Monday afternoon. “Unfortunately for many… the forgiveness of the civil service loan was an empty promise. “

More than 600 people signed up for Monday’s webinar, in which Bonamici and Mike Pierce, executive director of the Student Borrower Protection Center, answered questions about changes to the loan cancellation program.

“The Biden administration is finally keeping its promise of the civil service loan forgiveness program,” Bonamici said.

Last month, the US Department of Education broadened the qualification for the PSLF with a new temporary waiver program sparked by the ongoing pandemic.

“You can have your debt canceled now, as long as you’ve paid off a federal student loan – regardless of the type of federal student loan; it doesn’t matter if you’re on the right kind of repayment plan, ”Pierce of the Student Borrower Protection Center said during the webinar. “As long as you work full time in the public service [for 10 years], and you did it while paying off a student loan, you can get your debt canceled. “

The PSLF was created under the College Cost Reduction and Access Act of 2007. It allows student loan borrowers who hold qualifying jobs in the public service, such as in a government agency or non-profit organization, to get the rest of their loans canceled after 10 years of payments.

But, there were specific qualifications. Borrowers could only receive credit for the program if they repaid “direct loans” or loans directly from the federal government, rather than loans from private or other lenders.

Even after making 10 years of payments, many borrowers in public service jobs found that they did not qualify for the program because they had the wrong type of loan or other issues.

“I’ve heard countless stories of public sector workers diligently making payments for 10 years only to be told they were on the wrong payment plan, or their payments didn’t count, or like me. said an educator, because her school did not put the right stamp on her request, ”Bonamici said.

In 2018, the US Congress funded TEPSLF, a version of the PSLF that temporarily extended the qualification to help borrowers who should have been eligible for the original program.

But a 2019 report from the U.S. Government Accountability Office found borrowers still had difficulty accessing the program, and federal education officials had approved only about 1% of TEPSLF applications.

At the start of last month, the education department greatly expanded the PSLF with a new limited waiver program.

Until October 31, 2022, public service workers will be able to benefit from a credit for previous repayment periods of loans that would not generally be eligible for the PSLF. The waiver extends the types of eligible loans to include Perkins loans – federal loans administered by colleges and universities – and other types of student loans. However, they will have to consolidate these loans into a direct loan by that October date.

“Our new approach will add months or years of credit service for a large number of student loan borrowers by counting certain payments that were not eligible,” wrote Richard Cordray, chief operating officer of the federal office of student aid from the US Department of Education, in a letter. . “In some cases, borrowers will get full loan forgiveness based on the changes. “

There have already been a few bumps in the road since the waiver program was announced last month. Some borrowers have consistently been rejected under the new PSLF terms after the rollout of the new waiver, according to NPR reports. But, Cordray said education officials are working to fix this problem.

“We also know that some borrowers have received confusing information or even denials of their PSLF or TEPSLF forms since the program redesign was announced last month,” Cordray wrote. “Without minimizing these concerns in any way, please understand that these issues are temporary. Over the next few months, we will be reviewing these decisions as part of our new approach to the PSLF. “

Pierce with the Student Borrower Protection Center told Monday’s webinar that his organization estimates that one million people could be debt-free by the end of the new waiver program next fall.

“So far the Department of Education has canceled 30,000 loans to public service workers – over $ 1 billion in student debt owed by public service workers – and they’re just getting started.” , did he declare.

But Pierce clarified that borrowers need to take the initiative to ensure they take advantage of the expanded forgiveness program. He noted that a key step is for borrowers to consolidate their loans before this October 2022 deadline.

“It’s not completely automatic, and it’s frustrating,” Pierce said. “But it’s better than before.”

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The best Nordstrom deals on Ugg, Alo, Nike and more https://mijasguide.com/the-best-nordstrom-deals-on-ugg-alo-nike-and-more/ Mon, 29 Nov 2021 20:37:24 +0000 https://mijasguide.com/the-best-nordstrom-deals-on-ugg-alo-nike-and-more/

– The recommendations are chosen independently by the editors of Reviewed. The purchases you make through our links may earn us a commission.

While the name Cyber ​​Monday implies that the best deals available are reserved for tech items, you can also see incredible savings on a variety of stylish yarns. A great place to shop for comfy clothes, eye-catching accessories and more is Nordstrom and its own massive Cyber ​​Monday deal list, which offers up to 50% off select items. From the most comfy Ugg slippers for yourself to Calvin Klein’s men’s wardrobe basics, we’ve found the best Nordstrom Cyber ​​Monday deals to help you cover all your holiday shopping needs.

Shop for the Holidays with offers and expert advice straight to your phone. Sign up for SMS alerts from Reviewed’s Deals Research Team.

Cyber ​​Monday 2021: Over 200 Amazon Cyber ​​Monday deals we follow live: AirPods, Oculus, Roombas and more

Similar to online retailers like Amazon and Best Buy, you can find a wide variety of Nordstrom Cyber ​​Monday discounts on top selling clothing for women, men, and kids as well as must-have home decor. Their New Markdowns section is particularly useful for finding the latest items on sale. Nordstrom also offers free shipping on almost everything and some items can be picked up in store. Check out our favorite Nordstrom Cyber ​​Monday deals below.

►Cyber ​​Monday 2021: Scammers send out bogus “shop” surveys and pose as Amazon. Here’s what to watch out for.

  1. 16 oz Hydro Flash Wide Cap Bottle for $ 27.90 (save $ 10.05)
  2. Nordstrom Bliss Plush Throw for $ 29.63 (save $ 9.87)
  3. Nike Sportswear Essential Oversize Sweatshirt for $ 48 (Save $ 12)
  4. BLANKNYC Faux Leather Jacket for $ 59.90 (Save $ 38.10)
  5. Free People Marlie Pullover for $ 64.80 (save $ 43.20)
  6. Ugg Fluff Yeah Genuine Sheepskin Slingback Sandal for $ 64.95 (save $ 45.05)
  7. Ugg McKay Water Resistant Bootie for $ 99.90 (save $ 50.10)
  8. Theragun Elite Percussion Therapy Massager for $ 299 (save $ 100)
  9. Nuna RAVA Convertible Car Seat for $ 499.95 (save $ 50)
  10. All-Clad 10-Piece Stainless Steel Cookware Set for $ 699.90 (save $ 610.10)

Nordstrom Cyber ​​Monday Women’s Clothing & Footwear Deals

Nordstrom Cyber ​​Monday Beauty Deals

Nordstrom Cyber ​​Monday deals on men’s clothing and footwear

Nordstrom Cyber ​​Monday Bags, Jewelry & Sunglasses Deals

Nordstrom Cyber ​​Monday Deals for Home and Kitchen

What brands does Nordstrom own?

Nordstrom is home to hundreds (if not thousands) of brands across all categories. You can buy Nike and Christian Louboutin in the shoe department, and LL Bean and Burberry in the clothing department. Nordstrom has something for the whole family and is a great store for finding the perfect gifts, given its wide selection of items.

Does Nordstrom have a sales section?

Nordstrom has an extensive sales section with items for women, men, children, home and beauty, all at discounted prices. Some items from the retailer’s best designer collection are even marked down.

Does Nordstrom have Cyber ​​Monday deals?

Yes! Nordstrom has Cyber ​​Monday deals until the end of the month. If you’re looking to get your hands on a new pair of top-notch shoes or kitchenware, check out the epic Nordstrom Cyber ​​Monday sale.

Does Nordstrom have any other sales besides the July Anniversary Sale?

While the July Anniversary Sale is the retailer’s biggest sale of the year, Nordstrom is also having a Black Friday and Cyber ​​Monday sale, as well as an after-Christmas sale. Right now, you can shop for some of the best Nordstrom Cyber ​​Monday deals on men’s, women’s, and children’s clothing, jewelry, beauty products, home decor and more.

There’s more where this deal came from. Sign up for Reviewed’s Perks and Rec newsletter and we’ll continue to receive them Sunday through Friday.

Product experts from Revised have all of your shopping needs covered. Follow Reviews on Facebook, Twitter, Instagram, TIC Tac Where Flipboard for the latest offers, product reviews and more.

Prices were correct at the time of this article’s publication, but may change over time.


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Take a closer look at Cyber ​​Monday offers, online shopping security https://mijasguide.com/take-a-closer-look-at-cyber-%e2%80%8b%e2%80%8bmonday-offers-online-shopping-security/ Mon, 29 Nov 2021 12:23:44 +0000 https://mijasguide.com/take-a-closer-look-at-cyber-%e2%80%8b%e2%80%8bmonday-offers-online-shopping-security/

Are you ready to shop and save?

Cyber ​​Monday is finally here, the biggest online shopping day of 2021. It is expected that there will be $ 11 billion in sales worldwide today alone, with around 188 million. buyers making purchases.

So where do they shop? The most visited sites:

  • Amazon, Target, Walmart, Best Buy, and Kohl’s.

I was recently at Amazon’s distribution site in Shelby Township, where the work is done 24/7 to get you the items you order online.

Let’s take a look at some of the big deals that I spotted overnight:

We start to Walmart where Apple air capsules now cost $ 159, up from $ 197.

Best buy Today has huge deals on laptops – a Mine Craft Edition with a 12.5-inch HD display costs $ 129.99, down from $ 259.

Target blew up the prices of smartwatches – one went from $ 200 to $ 150.

At Amazon look for deals on smartphones like a Motorola Edge at $ 399 – that was $ 699.

And toy deals are all over the web. Amazon is reducing the prices of LEGO sets. It’s also a great day to shop for smart phones and clothes. Many have special offers online as we continue to deal with the pandemic.

A d

Buy smart – stay safe

Now is a good time to remind yourself and encourage you to shop smart online.

Use a credit card. It’s better than a debit card because it offers protection.

And make sure the website you are on is legitimate, not fake. Also beware of emails set up after making a purchase. Some go to great lengths to obtain your personal information.

If you have a question about a purchase, contact the reseller yourself.

Following: Click on the offers


Copyright 2021 by WDIV ClickOnDetroit – All rights reserved.

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Watch Now: MiMi Boutique Brings African Styles to Bloomington’s Eastland Mall | Local company https://mijasguide.com/watch-now-mimi-boutique-brings-african-styles-to-bloomingtons-eastland-mall-local-company/ Mon, 29 Nov 2021 00:00:00 +0000 https://mijasguide.com/watch-now-mimi-boutique-brings-african-styles-to-bloomingtons-eastland-mall-local-company/

Mimi Lam has said she wants to treat people the same way she likes to be treated when she walks into a store.



BLOOMINGTON – Mimi Lam has said she wants to treat people the same way she likes to be treated when she walks into a store.

Born in Senegal, West Africa, the 34-year-old from Bloomington is now ready to help customers look their best MiMi’s store. It’s suite 1310 in the Eastland shopping center, just south and east in the Maurices corridor.






Mimi Lam checks out an earring display on Sunday at her new boutique, MiMi’s Boutique, in Eastland Mall. The Senegal-born woman recently moved to Bloomington from New York.


Brendan Denison



A smooth opening took place in October and the store has been open regularly since November 2. Hours of operation are 10 a.m. to 7 p.m. Monday to Thursday, 10 a.m. to 8 p.m. Saturday and 10 a.m. to 6 p.m. Sunday. It is made up of Mimi Lam herself.

His vision is to try to meet everyone’s style needs. She illustrated this with her own Sunday outfit, wearing an African print jacket with a black shirt and pants. She said Senegal prints can be mixed with just about anything.

“I can wear it, it’s very comfortable and I can go to the office,” she said, “and it’s very stylish and nice.”






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Mimi Lam inspects a Senegalese-style wax print skirt on Sunday, November 28, 2021. The owner of MiMi boutique in Eastland Mall sells traditional African print clothing as well as modern styles.


Brendan Denison



Lam can spend up to 60-90 minutes with a single client, helping them make multiple outfit changes, tailoring multiple dresses, earrings, and scarves. She likens it to a personal fashion show.

She said she wanted to be honest with her clients and help them feel comfortable with themselves.

“Everyone is welcome,” Lam said. “I want everyone to be able to wear it, feel it and know it,” she said of her products.

And customers don’t have to make a purchase. Lam is eager to teach others about her culture and the meaning of her fabrics.

Watch now: Bloomington-Normal shoppers spellbound by small business Saturday deals

An entire section of Lam’s store is made up of traditional African wax shirts, dresses and skirts. Lam said the style is also referred to as Ankara in Nigeria and Ghana.

She explained that Kenyan styles mix darker color tones, while their Senegalese counterparts combine purple and lighter tones. In addition, tailors reuse fabric scraps for jewelry or scarves and try to avoid throwing anything away.






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Mimi Lam, owner of the MiMi boutique at Eastland Mall, holds a set of hoop earrings with a wax-printed bow. Born in Senegal, the owner of the Bloomington business explained that African tailors generally reuse fabric waste into jewelry and avoid throwing everything away.


Brendan Denison



Lam said she is lucky that her mother “does everything for me” and that she has worked in the sewing business in Senegal for over 40 years.

“She does all the dresses,” she said, adding that her sister is helping her get more modern clothes.

The traditional dress is traditionally made by older women who have free time, according to Lam. And it is reminiscent of their close family ties, she said, where everyone helps each other and tinkers together.

However, travel blocks during COVID were difficult for the shop owner, who said she used to return home to smell and inspect products with her own hands before ordering. Supply chain issues added an additional penalty.

From the Big Apple to Bloomington

In 2015, Lam opened his first business, Mimi’s African Closet, at 116th Street and Lenox in New York’s Harlem neighborhood. Lam said her first store didn’t include modern pop culture style, so she’s looking to expand that with her latest business.

Lam said she attended high school in New Jersey while staying with her brother and attended Borough of Manhattan Community College. She is currently taking online business administration courses offered by Hostos Community College in New York.






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Mimi Lam untangles a wax-printed belt from storage on Sunday at her new boutique, MiMi’s Boutique, at Eastland Mall.


Brendan Denison



Most of her family run their own businesses, she said. The owner of the Bloomington store is the second youngest of a sibling of 10. A sister still runs a clothing store in New York City.

About moving to the Midwest, she said she visited a sister in Bloomington and ended up loving her here. It was time to change Big Apple, so she decided to slow down a bit by moving to the Twin Cities.

Lam knew she had found the right spot when she visited her current retail space in Eastland Mall, which previously housed Seno Formal Wear. Handbags with African wax prints and mannequin heads wearing beanies and headwear are now stored on glass tables with Roman column supports.

Her boutique offers clothing for women, men and children, as well as accessories, handbags, jewelry and sunglasses. Plus size clothing is also available and the store takes custom orders.

The MiMi store has seen many shoppers visit Chicago and Peoria, and a few from St. Louis. She has had clients stop before they fly to Africa, asking for advice on what to wear when they land.






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In the photo on the left, a traditional African necklace on sale Sunday at the MiMi boutique in Eastland Mall.


Brendan Denison



She might suggest that they wear a simple dress and accessorize their outfit.

“It is not always necessary to wear all-African attire at an event,” she said.


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Caution on foreign loans with “toxic” clauses https://mijasguide.com/caution-on-foreign-loans-with-toxic-clauses/ Sun, 28 Nov 2021 11:47:52 +0000 https://mijasguide.com/caution-on-foreign-loans-with-toxic-clauses/

By Louis Kalumbia

Dar es Salaam. Economic experts yesterday warned the government to carefully manage foreign loans to avoid acquiring facilities and resources once it fails to meet its contractual obligations.

But, the Tanzanian government has allayed fears, saying the government has not and will never use the facilities as collateral to access foreign funding.

The experts’ observations come as Uganda faces the risk of ceding Entebbe International Airport to China on a loan acquired from the Export-Import Bank (Exim) of China on March 31, 2015.

Entebbe’s efforts to renegotiate the “toxic clauses” of the $ 200 million loan (Shs713b) chosen six years ago were recently rejected by authorities in Beijing.

The “toxic clause” of the contract includes the exposure of Uganda’s sovereign assets to foreclosures and takeover in arbitral awards in Beijing.

China announced similar measures to the Zambian government in 2018 when it threatened to take over the Kenneth Kaunda International Airport, the power company, the national broadcasting network and major road projects over failure to reimburse. a loan of $ 8.7 billion.

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But yesterday Repoa Executive Director Dr Donald Mmari said the government should conduct full feasibility studies to confirm beyond a reasonable doubt that a certain project can be implemented in a timely manner and make financial feasibility.

“Projects without economic benefits should not be aligned for implementation. Contracts with clauses requiring sovereign assets or resources such as minerals and gas pledged as collateral should be avoided altogether, ”he said.

According to him, the decline in the value of resources on the world market reduces the country’s ability to service the loan and therefore puts it in danger of acquisition.

Dr Mmari was seconded by senior economist Professor Samuel Wangwe, who said the country’s negotiators should only sign contracts with terms that can be implemented and reject those with questionable terms.

“The government should make better use of local experts on these issues. In addition, domestic banks should cooperate with foreign financial institutions to mobilize under friendly conditions, ”he said.

Professor Wangwe said that despite having no concerns about contracts for development projects implemented in the country, following what is reported elsewhere on the continent, the Tanzanian government should increase its caution and do an analysis to identify the things that were missing in the country and get loans at reduced rates.

But, Deputy Finance and Planning Minister Hamad Yussuf Masauni said Tanzanians had no reason to worry, noting that President Samia Suluhu Hassan’s leadership was prudently handling financial matters.

“There is no place where the government has used the country’s resources as collateral in order to obtain loans and there is no plan to do so, even for ongoing development projects,” he said. -he declares.

He said the country secures loans in accordance with the provisions of the law, in preference to those that will boost the country’s economy and make a significant contribution to the country’s gross domestic product (GDP).

“President Hassan asked us to seek concessional loans in order to benefit from a long grace period, subsidy elements equivalent to 35% and low interest rates,” he said.

He said the 1,300 billion shillings loan from the International Monetary Fund (IMF) fell into this category, however saying that there were concessional loans with difficult terms requiring solid negotiations in the interest of the nation.

“It’s only when we don’t have an alternative that we switch to commercial loans. This is done whenever we are looking for funds to implement the most viable projects like Standard Gauge Railway (SGR), ”he said.

Mr. Masauni, who is also the MP for Kikwajuni in Zanzibar, said President Hassan is working hard to improve the country’s diplomatic relations with the international community, which will reduce the processes of obtaining concessional loans and maintain the viability of the country. the national debt.

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