Now might be exactly the worst time to cut Medicaid and food stamps
It's never a great time to purge millions of Americans from critical safety-net services. But if we are indeed barreling toward recession, as many economists predict, now is an especially bad time.
It would mean more Americans are denied medical and food assistance precisely when they need it most — and that any coming downturn could be particularly vicious and long.
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Business Upturn
8 minutes ago
- Business Upturn
Debt Consolidation Loan for Poor Credit Score: Radcred Instant Funding Solution with No Credit Check & Same-Day Loan
Glendale, California, June 21, 2025 (GLOBE NEWSWIRE) — Radcred has launched a new Debt Consolidation Loan platform, offering a simple and fast way to combine multiple high-interest debts into a single, more manageable loan. This platform provides same-day funding and does not require a hard credit check, making it an ideal solution for individuals with poor credit scores . By consolidating existing debt, borrowers can lower their interest rates and simplify their monthly payments. With Radcred's fast approval process and transparent terms, individuals with subprime credit can access the relief they need without the complexities of traditional lending. This platform addresses the increasing demand for quick and accessible debt relief. Rising Demand for Debt Consolidation Loans According to the Federal Reserve, more than 40% of Americans are carrying high-interest credit card debt, with many struggling to keep up with multiple payments. Consumers often seek debt consolidation loans to simplify their finances by combining multiple high-interest debts into a single loan, thereby reducing interest rates and avoiding late fees. The goal is to improve cash flow by lowering monthly payments, which can be particularly helpful for individuals with poor credit scores. The demand for debt consolidation loans has been growing, as traditional options such as balance transfer credit cards or home equity loans can be restrictive or inaccessible for individuals with low credit scores. Radcred fills the gap by offering a solution that is not only fast and easy to access but also specifically tailored to meet the needs of subprime borrowers. With the rise in high-interest debt, there is an increasing need for faster, more inclusive options, and Radcred provides precisely that. FIND OUT HOW DEBT CONSOLIDATION CAN EASE YOUR FINANCES Key Features of Radcred's Debt Consolidation Loan Platform Radcred's Debt Consolidation Loan platform offers a range of features to streamline the debt relief process, making it faster, easier, and more accessible. With a user-friendly interface, quick approval times, and flexible terms, Radcred helps borrowers consolidate multiple high-interest debts into a single, manageable loan, offering same-day funding and transparent rates. Same-Day Funding: Borrowers can receive funds within hours of approval, providing quick access to financial relief. Borrowers can receive funds within hours of approval, providing quick access to financial relief. No Hard-Credit Pull: Radcred utilizes a soft-pull credit inquiry, ensuring that borrowers' credit scores remain unaffected throughout the application process. Radcred utilizes a soft-pull credit inquiry, ensuring that borrowers' credit scores remain unaffected throughout the application process. Transparent Rates: Competitive APRs are clearly displayed, with no hidden fees, ensuring borrowers understand the total cost of their loan. Competitive APRs are clearly displayed, with no hidden fees, ensuring borrowers understand the total cost of their loan. Flexible Terms: Borrowers can select repayment periods ranging from 1 to 5 years, offering flexibility and control over monthly payments. Borrowers can select repayment periods ranging from 1 to 5 years, offering flexibility and control over monthly payments. Unsecured Loans: Since no collateral is required, Radcred's loans provide an opportunity for subprime borrowers who may not own property or valuable assets. These features make Radcred's platform accessible, efficient, and convenient for individuals looking to consolidate their debts quickly and without complications. The user-friendly process ensures that borrowers are not burdened with lengthy paperwork or complex procedures. LEARN HOW RADCRED OFFERS A HASSLE-FREE CONSOLIDATION PROCESS How Radcred's Debt Consolidation Loan Platform Works? Radcred's platform is designed to be user-friendly and efficient, providing a streamlined way for borrowers to consolidate their debts. The simple online application process, combined with quick approval and same-day funding, ensures borrowers can access relief without delays. Radcred matches users with suitable lenders and offers flexible repayment terms for added convenience. Quick Online Application: The application process takes just 5 minutes. Simply fill out the form on Radcred's website with personal details and debt information. The application process takes just 5 minutes. Simply fill out the form on Radcred's website with personal details and debt information. Eligibility Check: Radcred performs a soft-pull credit inquiry, which does not impact your credit score. Along with credit evaluation, income verification is required to assess your repayment capacity. Radcred performs a soft-pull credit inquiry, which does not impact your credit score. Along with credit evaluation, income verification is required to assess your repayment capacity. Lender Matching: Radcred's algorithm matches you with vetted lenders who are willing to offer you debt consolidation loans based on your financial profile. Radcred's algorithm matches you with vetted lenders who are willing to offer you debt consolidation loans based on your financial profile. Offer Comparison: You will receive multiple offers from lenders, allowing you to compare the rates, terms, and fees side-by-side. This ensures you can select the most favorable option. You will receive multiple offers from lenders, allowing you to compare the rates, terms, and fees side-by-side. This ensures you can select the most favorable option. Instant Funding: Once you select an offer, you can accept the loan terms, and the funds are deposited directly into your account, often the same day. This process is designed to be transparent, fast, and hassle-free, ensuring you can consolidate your debt without unnecessary delays or complex steps. Who Qualifies for Radcred's Debt Consolidation Loans? To qualify for Radcred's Debt Consolidation Loans, applicants must meet several key criteria. They must be at least 18 years old, a U.S. resident, and have a valid checking account for direct deposit. Additionally, proof of steady income, such as pay stubs or bank statements, is required to demonstrate the ability to repay the loan. Age: Applicants must be at least 18 years old. Applicants must be at least 18 years old. Residency: You must be a U.S. citizen or permanent resident. You must be a U.S. citizen or permanent resident. Bank Account: A valid checking account for direct deposit is required. A valid checking account for direct deposit is required. Income: Proof of steady income, such as pay stubs or bank statements, is required to demonstrate your ability to repay the loan. Proof of steady income, such as pay stubs or bank statements, is required to demonstrate your ability to repay the loan. Credit Flexibility: While your credit score may be a factor, Radcred considers borrowers with scores as low as 580. The platform prioritizes your ability to repay over your credit history, making it accessible to those with poor credit. These criteria are designed to ensure that Radcred can match borrowers with suitable lenders, offering an accessible solution even to those with subprime credit. CHECK IF YOU MEET RADCRED'S LOAN QUALIFICATIONS Benefits Over Traditional Debt-Consolidation Options Radcred's debt consolidation loan platform offers several advantages compared to traditional methods like balance transfer cards or home equity loans: No 0% Introductory Period: Unlike balance transfer cards that come with a limited 0% interest period, Radcred's loans offer fixed rates and longer repayment terms, ensuring more predictable monthly payments. Unlike balance transfer cards that come with a limited 0% interest period, Radcred's loans offer fixed rates and longer repayment terms, ensuring more predictable monthly payments. No Risk to Property: While home equity loans require putting up your home as collateral, Radcred's debt consolidation loans are unsecured, meaning you don't risk your property. While home equity loans require putting up your home as collateral, Radcred's debt consolidation loans are unsecured, meaning you don't risk your property. Faster Process: Radcred's online process is quick and straightforward, often offering same-day funding, unlike traditional banks that may take weeks to process loans. Radcred's online process is quick and straightforward, often offering same-day funding, unlike traditional banks that may take weeks to process loans. Easier Access for Bad Credit: Radcred is designed for individuals with lower credit scores, offering fast and flexible options that traditional lenders may not provide. These advantages make Radcred a more accessible, efficient, and safer choice for consolidating debt, especially for individuals with poor credit. Addressing Common Borrower Concerns Will it hurt my credit? Radcred uses a soft-pull credit inquiry , which has no impact on your credit score during the application process. This allows borrowers with bad credit or a low credit score to explore loan options without worrying about lowering their credit score. This makes it a safe choice for personal loans for bad credit . Radcred uses a , which has no impact on your during the application process. This allows borrowers with or a to explore loan options without worrying about lowering their credit score. This makes it a safe choice for . Are there hidden fees? No, Radcred is committed to transparency. All fees and APRs are clearly disclosed before you accept the loan offer, ensuring there are no hidden fees . You will know exactly what you're getting into, making it easier to compare with other debt consolidation loans and make an informed decision. No, Radcred is committed to transparency. and are clearly disclosed before you accept the loan offer, ensuring there are . You will know exactly what you're getting into, making it easier to compare with other and make an informed decision. What if I miss a payment? Radcred offers grace periods for missed payments, helping you avoid penalties. Customer support is available to assist you with flexible solutions if you experience payment issues. This flexibility makes debt consolidation loans more manageable for those who need assistance with repayment without adding stress to their finances. Radcred offers for missed payments, helping you avoid penalties. is available to assist you with flexible solutions if you experience payment issues. This flexibility makes more manageable for those who need assistance with repayment without adding stress to their finances. Is it legal in my state? Radcred operates in full compliance with state regulations and adheres to federal lending laws. It ensures that all loans for debt consolidation are available where permitted. Be sure to review your state's regulations to confirm availability, as laws vary by state regarding personal loans for bad credit. About Radcred Radcred is a fintech company focused on providing accessible credit solutions to underserved populations. The company's mission is to democratize access to debt consolidation loans , enabling individuals to manage their debt more effectively. Founded in 2020, Radcred has facilitated thousands of loans and continues to expand its platform. Its core values are transparency, speed, and responsible lending, ensuring borrowers receive reliable, fast financial assistance. Disclaimer Loans are subject to approval, and terms vary by lender and state. Not all loan offers are available in every jurisdiction. Applicants should carefully review the terms and conditions before submitting their application. Radcred uses a soft-pull credit inquiry for eligibility, and credit scores are considered but not the sole determining factor for loan approval. Disclaimer: The above press release comes to you under an arrangement with GlobeNewswire. Business Upturn takes no editorial responsibility for the same. Ahmedabad Plane Crash
Yahoo
9 minutes ago
- Yahoo
Gold prices should hit $4,000 as U.S. deficits may overshadow the Israel-Iran conflict, BofA says
Wars and geopolitical conflicts typically aren't long-term growth drivers for gold prices, according to analysts at Bank of America, which sees the precious metal reaching $4,000 an ounce over the next year. Despite the Israel-Iran conflict heating up, the outlook for gold is likely to be swayed more by the U.S. budget deficit. Gold is often seen as a safe-haven asset during times of global turmoil, but wars and geopolitical conflicts typically aren't long-term growth drivers for gold prices, according to analysts at Bank of America. In fact, gold has actually dipped 2% in the week since Israel began its airstrikes on Iran. Meanwhile, tensions are ramping as reports Saturday said B-2 stealth bombers are headed over the Pacific. That's as President Donald Trump weighs involvement in the conflict, potentially with bombers dropping massive 'bunker busters' on heavily fortified Iranian nuclear sites. In a note on Friday, BofA analysts said they expect gold prices to reach $4,000 per ounce in the next year, representing an 18% jump from current levels. 'While the war between Israel and Iran can always escalate, conflicts are not usually a sustained bullish price driver,' they wrote. 'As such, the trajectory of the US budget negotiations will be critical, and if fiscal shortfalls don't decline, the fallout from that plus market volatility may end up attracting more buyers.' The Israel-Iran conflict has drawn attention away from Trump's tax-and-spending bill making its way through Congress. While the House and Senate versions have key differences that need to be reconciled before it can become law, the bill's fiscal impact is still expected to add trillions of dollars to U.S. deficits in the coming years. That's raised fears about the sustainability of U.S. debt and global demand for the flood of Treasury bonds that will be issued to finance all the red ink. And amid Trump's trade war, the U.S. dollar—traditionally viewed as a haven asset—has suffered as well, slumping against other top currencies and providing more upside to gold. Central banks around the world have dumped $48 billion in Treasuries since late March alone. At the same time, central banks keep buying gold, continuing a trend that began years earlier. A recent survey from the World Gold Council found that geopolitical instability and potential trade conflicts are chief reasons why central banks in emerging economies are shifting toward gold at a much faster rate than those in advanced economies. BofA estimated the central banks' gold holdings are now equivalent to just under 18% of outstanding U.S. public debt, up from 13% a decade ago. 'That tally should be a warning for US policymakers. Ongoing apprehension over trade and US fiscal deficits may well divert more central bank purchases away from US Treasuries to gold,' analysts warned. Meanwhile, the market still doesn't appear to be overexposed to gold. BofA estimated that investors have allocated just 3.5% of their portfolios to gold. And regardless of how Congress ends up rewriting the budget bill, analysts said deficits will remain elevated. 'Therefore, market concerns over fiscal sustainability are unlikely to fade no matter the result of Senate negotiations,' BofA predicted. 'Rates volatility and a weaker USD should then keep gold supported, especially if the US Treasury or the Fed are ultimately forced to step in and support markets.' This story was originally featured on
Yahoo
17 minutes ago
- Yahoo
I'm a Real Estate Agent: The 4 Types of Condos That Are Hardest To Sell
Trying to sell your condo, but the listing seems to have gone stale? While it may be easy to blame the marketplace or the turbulent economy, the hard truth is that four types of condos are just inherently disadvantaged when it comes to attracting a buyer. Read More: Find Out: But first: What specifically is a condo? And how does it differ from an apartment? While the terms 'condo' and 'apartment' are often used interchangeably, 'when you own the unit, you bought a condo even if it looks exactly like an apartment building, but when you rent the unit, you live in an apartment regardless of whether the owner calls it a condo,' said Eli Pasternak, real estate agent at Liberty House Buying Group. In other words, renting equals an apartment; buying equals a condo. Now that the terminology is out of the way… Here are what experts, Pasternak and Brett Cobb, real estate agent and owner of Premier OKC Home Buyers, have to say about the four types of condos that are hardest to sell — and some ways to make them easier to sell. Sure, sometimes a lack of stairs is swell. But Pasternak stated ground-floor units (especially those in buildings without doormen) are tough to sell because buyers worry about safety and security. In addition, ground-floor units don't exactly offer the same view as, let's say, penthouse units. And noise from the street or lobby is often looked upon unfavorably — especially by those who work remotely or have sleeping children. What's more, ground-floor units are especially vulnerable to flooding in hurricane-prone areas. Discover Next: Even in prime Miami locations, Pasternak has struggled to move studio units, 'because buyers worry about resale value down the road.' The reason is that studios are intended primarily for single occupants, leaving no room for family planning and making the pool of potential buyers smaller. Therefore, studios face limited demand and the possibility of not appreciating much over time. And, if there's no return on investment, a client could just rent. Additionally, studios are not always suitable for certain mortgages because lenders can have minimum square footage requirements. Condos with peculiar layouts often hurt sales because buyers simply can't envision living comfortably in them. In addition, furniture placement becomes awkward. 'I tell my clients that units with kitchens opening directly into bedrooms, or bathrooms accessible only through living rooms scare away most buyers who do not want renovation projects,' said Pasternak. 'Hands down, the hardest apartments to sell, in my experience, are the ones with sky-high HOA fees and no clear value to show for it,' said Cobb. While these fees may be tolerable with the right amenities or upkeep, no one wants to spend large amounts of money: 'If the pool's always closed and the roof looks like it's from 1995.' And even the cost of upkeep has become an issue in certain parts of the country. Following Miami's Surfside condominium collapse in 2021 due to corrosion, HOA fees skyrocketed throughout the state of Florida as mandatory repairs and six-figure assessment fees were immediately put in place for buildings 30 years or older. According to The Economic Times, Florida's condo market is in steep decline. If you're an owner trying to move one of these condos, don't panic. The task may be difficult, but some workarounds can help increase the odds of a sale. As the saying goes, it's all in the presentation. If you're trying to sell a studio, Pasternak advised staging it to show multiple functions, perhaps adding Murphy beds or convertible furniture to demonstrate how to maximize square footage. In other words, turn a negative into a positive. 'You can demonstrate how spaces work for sleeping, working and entertaining in the same room,' he said. Pricing aggressively is another strategy Pasternak advised for hard-to-sell units because the seller needs to offer enough value to overcome a buyer's concerns. Additionally, sellers should consider sweetening the deal of any hard-to-sell condo by offering a few months off HOA fees. Cobb advised brightening things up to make the condo more appealing — particularly for ground-floor condos with no natural light. A coat of white paint, or the addition of light fixtures and mirrors, ought to do the trick. After all, dark and dingy doesn't exactly scream, 'live here!' New floors, refurbished cabinets, and updated appliances can all go a long way in making a condo look more current and appealing. More From GOBankingRates 25 Places To Buy a Home If You Want It To Gain Value This article originally appeared on I'm a Real Estate Agent: The 4 Types of Condos That Are Hardest To Sell
