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Credit for a new smartphone – is there such a loan offer? Smartphones today are an almost indispensable means of communication that hardly anyone really wants to do without. But smartphones are becoming more and more of a luxury item as technological development continues to advance. Those who want to call their own smartphone according to the latest technology standard these days have to dig deep into their pockets. Not infrequently cost top models such as the current Apple Iphone Xs, the Samsung Galaxy S9 or even the Huawei Mate 20 Pro without contract to the 1000 ¬ and sometimes significantly over it.
A sum that is not available to everyone and so is often the search for a loan for a smartphone in the room. A mini loan with a maximum loan amount of up to 1,500 euros can be the much cheaper financing option for a smartphone compared to a credit line. Especially if a smartphone is to be purchased without a contract, because, for example, still a current ongoing mobile phone contract can be used, a credit-based purchase of a smartphone can certainly make sense. If a loan with a low interest charge is then chosen – for example, in comparison to the often more expensive credit line – the smartphone is also only slightly more expensive.
It may also be advantageous that the credit-financed smartphone can be paid in 2 or more installments. Especially for low-wage earners and students as well as consumers who want to avoid a financial bottleneck , quite a convincing argument to opt for a loan to purchase a smartphone. The new, up-to-date smartphone can be used immediately, because thanks to a loan, the payment can be made immediately, the repayment of the microcredit used but easily done in installments.
In general, it is therefore possible to pay for a new smartphone by credit on installments while securing the advantages of low monthly monthly payments at favorable interest rates. Anyone who chooses a cheap mini-loan or microcredit by means of credit comparison, thus comes to a top-current smartphone even without a contract with a mobile operator.
The dishwasher is broken? The car has to go to the workshop? Damage to the house requires a craftsman? In these and other cases, liquidity is needed swiftly, which is too slow for conventional banks. A mini loan from specialist providers can then be the solution.
Urgent repairs can not wait until a bank has lent itself to lending. Despite all promises regarding a fast processing time, it still takes 1-2 weeks from the initial application to the crediting of a installment loan on your own account. If the bank asks questions, or if an applicant is employed on an independent or temporary basis, it can take even longer – if there is a commitment at all.
Above all, consumers should have two requirements for a loan for repairs of all kinds: Firstly, the loan should be available quickly, secondly, the application should be made straightforward. A small loan from specialist providers meets both requirements.
With these loans, depending on the provider and the starting position, loan amounts of a few hundred euros up to sums in the middle four-digit range are possible. The applications are extremely straightforward: If ever a proof of income must be provided, this is done by uploading a photo of the salary slip, tax advice, etc. With a smartphone camera, this takes less than a minute.
The remainder of the credit check is carried out automatically with a mini credit by asking scores from credit bureaus such as the SCHUFA. Here, the requirements are significantly lower than in conventional banking: A return debit due to lack of coverage and z. T. even negative SCHUFA entries do not necessarily lead to a rejection. The chance of a commitment is thus much higher – even if the budget is already tight and recently one or the other bill was not paid on time.
A small loan from suitable providers can provide liquidity very quickly. The fastest providers use a combination of electronic credit check, identification by videoident and flash transfer. With such express payments, a loan applied for until noon can be available on the same account on its own account.
An alternative to small loans are overdraft facilities. If such a loan has already been set up, it can be arranged very easily. However, convenience comes at a price: on average, banks still charge ten percent interest and more for their credit line. Once again, it will be considerably more expensive if the credit line agreed with the bank is overdrawn. For such a tolerated overdraft attract 15 percent interest and more. A small loan can be significantly cheaper here.
A credit line also carries the risk of permanent and therefore problematic debt. The reason is that unlike a mini loan that is divided into 1-3 installments, there are no fixed repayment obligations. Often enough, the credit line is then permanently exhausted – with the risk of someday slip into the tolerated overdraft and then risk next to high interest and return debit or even a Kontongündigung.
A package of loans is similar to a mortgage loan used not only to buy a home, but also personal property used inside the home. The personal property usually includes furniture and appliances that will be used in the home. Generally, a consumer will consider a package of loans if he was buying a property that was sold unfurnished. This scheme has the advantage of streamlining the loan process and can remove excess Stage Managing costs.
When people buy home, they typically make it through a standard mortgage agreement. A mortgage comes through a lender who specializes in such agreements and gives up-front money to buy the house for the borrower. The borrower usually has to make a payout that is just a small fraction of the original price, but then repay the lender through regular installments along with interest payments over a long period. Typically, such a loan will cover only the expenses of the home being purchased, but a package loan will allow the borrower to include some of the amenities needed in the new home.
The obvious reason for using a package loan would be if a buyer found a house that came without furniture and appliances. There are very few people who would prefer to live in a home without furniture such as beds, sofas, and dressers or without appliances such as ovens and refrigerators. As such, a typical mortgage agreement for this type of house would leave the buyer still needing Stage Manager to purchase these items.
Another way to attack this problem would be for a home buyer to secure a separate loan to pay for these necessities. A home equity loan that comes from a lender using home as a repayment security is usually available to the buyer of a new home. Nevertheless, a home buyer who chooses a package loan can claim some benefits over a person choosing multiple loans.
First, having just the package means the buyer only needs to apply for a single loan application, which can be a laborious process, under any circumstances. In addition, having just one loan to be repaid means that the buyer has just one set of interest payments to make that can cut costs. One drawback to a loan that covers both home and personal belongings is that it cannot provide the flexibility that a more open, credit-based loan can.
Even a small renovation can be more expensive than planned. Since beauty repairs are most urgent and can rarely wait, interim financing often has to be used. Low-priced mini-credits often offer much better than an overdraft on the current account.
If smaller renovations are to be made in the house or apartment, residents often waste no thought on financing. However, smaller renovations can not always be financed from the current budget. Too often, the costs add up to more than initially thought.
Even if z. For example, if paintwork is carried out in-house, colors and utensils must be purchased. If additional details are changed at the facility and smaller accessories are purchased new, the renovation costs next to a weekend lifetime also often a four-figure amount. Who can not finance this immediately from the current revenue, should look for a cheap financing.
Of course, the credit line can be easily "misused" at the house bank as a renovation loan . However, this is not recommended for four reasons. First, the interest rates on such loans are usually very high. Second, there is no scheduled repayment, which entices a significant portion of borrowers to permanently use the dispo.
Third, a (permanently) overdrawn current account leads to a deterioration in personal creditworthiness. This is especially true if the account has been overdrawn beyond what was agreed with the bank. Such a "tolerated overdraft" can make loan approvals impossible because banks look in their application for bank statements. In addition, account holders must expect at any time that the bank will not allow further dispositions. B. Direct debits not redeemed.
Fourth, a credit line serves as the last emergency reserve. If the credit for renovations is exhausted, this emergency liquidity is no longer available. This can be uncomfortable if z. B. on weekends a locksmith is needed or medication must be paid.
A small loan for repairs to the house and / or the apartment is therefore in many cases better suited to cover short-term renovation expenses. The loans typically have a maturity of 30-60 days and are repaid in 1-3 installments. The cheapest loans are at a bullet rate. The interest rates are then often below those of credit facilities. Further costs do not apply if extras such as installment payment is waived.
A mini loan has a fixed repayment date and therefore does not change the structure of the private finances. The providers of the loans have established themselves in a competitive niche and focus their products above all on a quick payout and an uncomplicated application route.
Loans can be largely requested on screen – vendors with videoident and digital signature do not need to go to the post office or print out. The application usually takes only a few minutes. Immediately thereafter the result is fixed and borrowers know whether the mini loan is credited to the own account the next day or not. With many providers, day-like payouts are also possible: an advantage if Friday afternoon renovation plans are forged.
Since there are now quite a few providers of short-term loans, a comparison before borrowing is recommended. In addition to the interest rate, consumers should also take into account the acceptance criteria and, if necessary, the costs for optional additional services such as: B. Consider express payments.
Consumers without negative characteristics and with fixed income can expect a commitment. Low earners and interested parties with negative features may also be successful with individual providers.
If we need additional money, we usually direct our steps to banks and apply for a loan or loan there. However, these institutions have a lot of demands on their clients and not everyone can get money from them. Therefore, we must look for other alternatives that will help our home budget in difficult times. Therefore, we submit applications for loans at Credit Unions, loan companies, or on portals offering social loans. But not everyone knows that in addition to the places mentioned above, we can also borrow money from private individuals. There are quite a number of people in our country who want to multiply their capital by offering private loans.
Most often, people who can not get credit from the bank lend money to private individuals. This is primarily a bad credit history or a lack of it. If such persons submit a request to the bank, their records will be reviewed at the Credit Information Bureau and any irregularities will be revealed soon. In this case, you can forget about the money from the bank. Banks are also examining our creditworthiness very carefully and if they find that we are earning too little or we have too high costs, we will not get credit. Similar problems may have contracted employees, a specific task contract or a fixed-term contract. In the case of a private loan, usually the lender does not "drill down" what is our source of income, what expenses we have, etc. Therefore, for money is much easier.
The risk associated with private loans applies to both the lender and the borrower. Let's take care of people who want to borrow money. They usually look for people who give loans on the internet. Therefore, direct contact here is somewhat limited. We can not verify such a person to the end. As you can easily guess, there are many cases of fraud, because not all people act honestly. So what do we need to pay attention to? For sure, let's not pay any commission or other fees to the lender's account before the money appears on our bank account. Likewise, do not send text messages to suspicious numbers, as they can be very expensive. To make sure that we are not dealing with a crook who does not want to borrow money from us and wants to cheat us, it is worth reading the opinions of other people on online forums. You can find both positive and negative grades and we can express opinions on a given lender.
But the risks associated with private loans also apply to those who are willing to give their financial surpluses to others. I do not know until the end, what kind of income the applicant has, whether there are no other debts, whether he will be able to repay the loan in a timely manner, etc. Therefore, everything must be done to ensure that the loan is properly secured. Then the risk of losing money is much lower.
An ideal solution for both parties, i.e. for the borrower and the lender, is a direct meeting and "downloading" all the details. At this meeting, you can prepare a loan agreement, you can show sources of income, you can agree details related to security, etc. It is certainly recommended for both parties, because it makes the entire transaction more secure.
Certainly, many people wonder whether private loans will continue to grow and whether we will be happy to use them. And the answer will be rather positive here. After all, we have been borrowing money from our friends or family for a long time. Now, especially thanks to the development of the Internet network, a large group of people from whom we can borrow money has increased significantly. Therefore, if banks do not change their lending policy and do not slightly ease their requirements towards customers, more and more people will be looking for a private loan. Therefore, the borrowers will have a way to provide additional funds, and the lenders will be able to increase their funds, because private loans can be a great investment for them, which, however, is fraught with considerable risk.
The offer including loans as proof is one of the most convenient forms of access to additional financial resources, which are offered by non-banking loan companies. The basis for obtaining such an online loan is to have a valid and current ID card, that is, an identity document that certifies Polish citizenship. In order to obtain a loan via the internet, it is usually enough to scan the identity card or provide information contained therein. How it looks exactly, we describe below.
Very often, online loans are also called loans without proofs. This is because you can get them much easier than any bank loan. Thus, they are really fast cash, which we gain without cumbersome formalities and unnecessary paperwork. Next, we describe exactly what the procedure for obtaining a loan for online proof in Szybka Gotówka is, who can get it and what benefits are associated with this type of financial products. Check how easy it is!
The loan process in the case of a quick loan for proof via the Internet is very simple. As always and in this case, we put the convenience of our clients in the first place. Therefore, as a rule, we do not require a scan of identity card. It is enough that during the online registration on our website, the customer will fill out the appropriate fields in the registration application in which you must provide the information you need to provide the credit, which is on your identity card. The data is:
The online loan we offer is available for people who are 18 years of age and Polish citizenship. It is extremely important here that the ID card is valid, because such documents are issued in Poland on time and have a 10-year validity period from the date of issue. Currently, plastic ID cards are used, the number of which is made up of three letters and six numbers. The validity of the ID card is also evidenced by its physical condition, which must allow reading the information contained therein. The compatibility of the image placed on it with our current appearance is also important in verifying your identity.
In the case of damage to the proof, change of the place of registration or name (eg when the civil status change takes place), the ID card should be replaced. And if it gets lost or stolen, immediately report this fact to law enforcement agencies and get a new identity document. In addition, the use of the loan offer as proof also includes the need to have your own bank account, mobile phone and internet mailbox.
Our fast loan for evidence is an extremely attractive offer that allows you to obtain high amounts of loans for a surprisingly long time. Szybka Gotówka offers up to PLN 8,000 loans with a repayment period of up to 65 days. The minimum payment amount for proof is PLN 100. Customers who use our services for the first time can count on the first loan for free up to PLN 6,000. The payday amounts offered by us are among the most attractive loans on the market. And the preferential loan repayment period allows you to safely use additional funds and easy payback on time.
The popularity of an online loan as evidence without a certificate is the result of a simple calculation. These types of financial products are the most convenient and profitable, all thanks to the conditions on which they are granted. A momentary online as evidence without certificates is characterized by a lack of complications caused by excessive formalities, which unfortunately we encounter in the case of bank loans. Here you do not need to submit any other documents, you only need an ID card and verification of the bank account and the cash register is on our account.
In our online payday offer for proof you can count on the first loan for free, on competitive loan amounts and attractive return terms, as well as on numerous bonuses in the form of every fifth loan free and profitable loyalty program. We focus on modern technologies, thanks to which our regular customers can use our online services also through smartphone applications, as well as by telephone and via SMS. All without restrictions – quickly, easily and pleasantly. Join us and enjoy a comfortable check-in time online whenever you need it!
Many times we deal with emergency situations, random cases or unusual shopping opportunities, when additional cash is needed immediately. Of course, the best situation is people who have adequate financial backing and can reach it at such times. It is convenient to also have a source of money in the form of a kind family member who can serve a loan. However, not everyone has such opportunities and then companies offering payday loans in Łódź are in a hurry to help. There are also banks that in recent years have slightly simplified procedures, especially those regarding small loans for several thousand zlotys. The problem is that many people do not have creditworthiness and are not a reliable customer for the bank. And for those consumers, payday loans are also the best and most convenient solution.
Non-bank loans are provided by numerous financial companies other than banks. Currently, you can find a whole lot of such offers, but it is worth paying attention to the important thing. From among the whole range of bidders, lenders operating professionally but above all legally should be selected. Such a company providing loans for payday loans should be entered in the register of the Polish Financial Supervision Authority. You can find it on the website of this institution. By choosing such a lender, we are guaranteed that we will meet with a fair offer, without legal grievances and mysterious stars. Such companies make available on their websites all the regulations, terms of granting loans, and even the content of the framework contract. And in such companies definitely worth lending money.
The biggest advantage that has made loans in Łódź in recent years extremely popular, is the minimum amount of formalities to be completed when seeking a break. In fact, the consumer only needs to provide his personal details, address details and Pesel number, bank account number, e-mail address and telephone number. You do not need to provide any income statements or provide collateral, while banks require it even from clients who sometimes apply for a small loan.
Quick cash earned thanks to the payday is simply a loan for proof in Lodz, which can be obtained even in half an hour, if we use the online form and business hours.
Our finances are moving more and more towards universal electronization and digitalization. It is no different in terms of payday loans. More and more companies offer the possibility of borrowing fast cash via the Internet. Such loan without collateral in Łódź is a minimum of formalities and very quick implementation. You can take extra cash for your chosen destination without leaving your home or during your trip. The whole procedure, along with the registration process, takes about half an hour and we already have our time on the account. We can quickly and efficiently remedy the emergency situation, continue the journey of dreams or take advantage of a profitable promotion for the coveted equipment.
All you need to do is register in a special panel provided by the loan company on its website. Only the aforementioned data is needed for this purpose. Then, the transfer is verified by a symbolic amount and if we pass it successfully, the loan application will be quickly processed and the money will be available to us within a quarter of an hour.
Of course, not all consumers are able to enjoy the benefits of the Internet, especially the elderly. For them, the option of using financial services in stationary establishments and even the option of granting loans at the customer's home in Łódź is provided for. All you need to do is make a phone call to your chosen financial company, which offers this form of awarding payday loans and make an appointment for an employee.
Regardless of the chosen form of obtaining such quick cash, you should always carefully read the terms, terms and conditions of the promotion and the contract before signing it. If some records are incomprehensible, ask a company employee at the facility or consultant on the hotline to explain them in a more accessible way.
" All you need to borrow money cheaply is to find the cheapest way to do it, the company that has the best offers and the type of loan with lower interest rates. "
After all, the cheaper the credit borrowed, the more of your money goes towards repaying the debt or to the balance of your savings or investment.
One of the clearest and most positive ways to reduce debt with loan is to increase the credit score that the loan officers keep on you.
With a higher score and clear history of negative entries, it will help you gain access to lower interest rates and more attractive personal credit deals with financial institutions.
Without a doubt, you can save a good amount of money, either on your first loan or on recurring loans, or by reorganizing your debt to reduce the amount you currently pay.
The cheapest form of loan will depend on how much you need and how much time you have to look for, plus it has the fact that you are in some category of people like:
The right loan mode will depend on your timing, your profile and your circumstances, so be sure to look around and compare all of the alternatives.
If you need a few hundred real quick for a relatively short period of time – up to 10/20 08 30 days, then it pays to consider making a withdrawal on your pre-approved check in your checking account.
Many banks offer interest-free personal credit limits for a period and small interest rates within the specified time frame – just be sure to talk to your bank manager before you are owed or in the red because otherwise penalties like fines and interest on the debtor balance can be very severe.
Credit card interest rates can be much higher than any personal loan, except for the loan shark loan, but some offer an interest-free period for new purchases and others provide a long interest-free installment period, make sure it is not of interest instead of using cash, buy with your card taking advantage of these benefits.
Prioritize the payment of your most expensive debt without running the risk of failing to meet the minimum payments in your other essenssiais financial commitments
To get into that card use or cash withdrawal on the card, you should be confident that you will not be tempted to leave the card debt longer than the interest-free period, or you run the risk of paying one of the most expensive to borrow money.
You will usually find out one hour or another that the higher your debt, the lower the interest rate offered or charged for the value contracted eg: real estate loan.
That means – if you have a number of smaller loans, with debts like credit cards, store card, loan to negatives – it may be cheaper to consolidate them into a home equity loan (mortgage) or loan with vehicle warranty.
The peer-to-peer loans are becoming increasingly common and accepted in the world of traditional finance here in Brazil, the rates of these types of personal loans can be quite attractive if you find the right company to complete your application.
As with conventional personal loans, you will generally find that if you have been negative with bad credit history, you will have to pay more money to secure the release of the loan and the payment and reduction of your debts.
There are many credit unions that lend money to people associated with very low interest rates. facility is in getting personal loan when there is difficulty in obtaining credit in traditional means like banks and financial.
In some cases, interest rates may be equivalent to the conventional market, but the financial products offered in cooperatives serve well for people who do not qualify for the best bank loan offerings, payroll loans or do not possess assets to give as collateral.
Joining in cooperatives also helps not run the risk of falling into the hands of lenders and alternative lenders who charge excessive interest.
When you have decided on what kind of personal loan or other credit product you want to get financial resources, always use a comparison tool or review sites with smart analysis as available here at Boris Godunov.
These tools allow you to get to know how a certain type of loan works and how the company has behaved in the credit market. It will also show you the best loans that you will likely be accepted before you proceed with your request.
A simple search can have a real impact on the amount of money you can take, and the amount of interest savings when making the right choice of your new loan, refinancing or credit portability.
Make a list of all your current debts in progress, include debts such as loans, financings, credit card balances, banked debits, store cards, mortgages, and other expensive debts.
Ideally, you should prioritize higher-paying debts and you can not risk being unable to make the minimum payments, as well as essential commitments that can not be discharged.
If you have debts in progress but you have money left over in the savings, or the bank invested in some paper, keep in mind that you may be paying more expensive to keep your loan than you are earning with interest on your investments.
Use your money in the best way possible! It may be feasible to pay all or part of the debt, although you should think carefully before using your emergency funds to pay off personal loans in advance, this is not a bad idea.
To tell you the truth, all people need to have an umbrella for rainy days – our advice is typical, try to accumulate about three to six months of salary. If you have money left over, think about using this money to pay off any expensive or very expensive interest debt.
Probably you make the installments payments month by month, you knew that part of your money is simply to pay interest while the rest pays your principal debt. Removing your debt early generally helps save some money with interest, so if possible, try to make double installment payments or pay off the entire loan when you have the opportunity.
By financial logic, the sooner you finish paying a loan agreement, the less you will pay off balance and interest – remembering that you should take into account all the fees that evolve the settlement or prepayment ahead of time.
Check with your lender what the costs, penalties or penalties are foreseen when making advance payments. Once you know, ask for the discharge letter, statement or other documents to settle the debt in full or in part to ensure that this is worthwhile.
You would be surprised how much you could save on the cost of your loan, paying installments early or taking out the outstanding balance in advance – even if there are additional costs to do so.
If you have access to interest-free or zero-interest loans, or access to payroll with interest of less than 2.10%, do not waste time, hire and pay any other loan above 5% monthly interest.
When you have extra money or access to cheaper loans, it means that you can save money by consolidating debts into a single debt, much more convenient procedure, since you will only have to deal with one or two creditors at most.
If you make a loan for debt consolidation, know that this is really a good idea, canceling any expensive personal loans and high interest cards so that you do not end up with a big snowball of debt makes all sense in addition to cutting the temptation of consumerism by the roots!
Arguably the best form of debt consolidation is to think of using the cheapest interest loan as the mortgage or secured loan.
Although this may be a good alternative, it is often with cheaper interest, 1.49% a month, sometimes it becomes a debt with long term, and not so safe, because despite paying a very low interest rate, your assets are sold until the end of the contract.
You should always think carefully before giving as collateral of debt to your home, rural property or car.
They are worth mentioning that the manager of your credit card can not auction your house or car, but a mortgage lender can. This makes it essential that you avoid contracting debts with future risks – think about it!
If you are struggling to pay off all your debts month after month, your installments are tightening your finances and personal or family budget, talk to your lender as a first port of call to know the possibilities of renegotiating or even refinancing the debt.
Usually lenders do not want you to default by failing to repay the debt, so he can find a way to help. If this is not possible, find other means of realizing the interest rate cut to reduce the debts with your personal loan or financing.


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Old West End Charmer - Priced $11,500 Below Most Recent Appraisal!!!
(Key Realty)
Comments 0
Rick Turner | RE/MAX Executives | 419-283-7425 2840 Scottwood Avenue, Toledo, OH Sharp & updated throughout! Priced almost $10 K below a May 2008 appraisal! Call me now! 419-283-7425. 4BR/2BA Single Family House offered at $106,500 Year Built 1913 Sq Footage 2,568 Bedrooms 4 Bathrooms 2 full, 0 ...
Old West End Festival, Toledo, Ohio
(Retired Realtor)
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The history of the Old West End is as unique as the buildings. Each summer, during the first weekend in June this neigborhood comes together to put on a festval for the City of Toledo. During the fesival you can take a tour of some of the homes of the founding fathers and mothers of Toledo. Th...
Toledo, OH Real Estate Professionals

subset: commoncrawl


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If you were thinking about having a free bar at your wedding, forget about it. One of our readers emailed to ask us at Off To Wed what we think about running a free bar and I have to say that we're not fans.
I hope you can help settle an argument that I'm having with my parents!? I'm paying for my own wedding with a 'little' help from both mine and Ben's parents but my dad thinks that we should be providing the guests with a free bar but we're not keen. What do you think? – Claire.
I think that if your dad wants a free bar he should stump up the cash for it. The concept of a free bar is less common these days. I know that weddings can end up hitting the guests' pockets, with the outfits, travel, accommodation and gifts but they do get a free meal, canapés and some free drinks so they're not that hard done by.
It would definitely be on the tight side if you didn't serve wine with the wedding breakfast, most couples budget for two glasses of wine per guest but why not provide three glasses per guest which amounts to a glass per course. You'll also give people a glass of bubbly with the canapés and another with the speeches so your guests are already on four or five glasses of alcohol, that's not bad when you think about it.
The risk of offering a free bar is that someone will undoubtedly take advantage. When the drinks are free it's sometimes easier for your guests to go to the bar and get a fresh drink rather than go back to their table and finished their half full glass. But worse still, I've heard stories that the bar staff will take advantage of a free bar too.
If you do want to compromise with your old man, you could put some money behind the bar, but when I say put it behind the bar I mean that figuratively – you could leave a wine or beer token on the table as part of the wedding favour. The risk with having a certain amount of money behind the bar is survival of the fittest. I was once a guest at a wedding in which the bride and groom left £400 behind the bar – the groom's rugby chums rushed straight to the bar ordering beers and shots before most people got a look in.
So the answer to your question is, don't feel obliged to have a free bar. There are better places to spend the budget. More canapés, for the guests, the décor or your honeymoon kitty. Even with a paid bar people will have a great time, everybody loves a wedding.


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|Re: OSGi and classloaders
|Mon, 09 Jul 2012 14:50:40 GMT
Hi Bobby, Guillaume and I are working on trunk. So it makes sense to focus on trunk for this kind of refactoring. We are working on a fork branch on github. We can choose when merge our changes to trunk (or a dedicated branch). Regards JB On 07/09/2012 04:37 PM, Robert Evans wrote: > Guillaume, > > I am not super familiar with OSGi. I have used it a little in the past, > but that was 5+ years ago. I am in favor of something that will fix the > CLASSPATH problems that we currently have and would allow for CLASSPATH > isolation between Hadoop itself and the applications that use Hadoop. If > OSGi can do this cleanly then I am +1 for moving to OSGi. > > However, we are trying to maintain binary compatibility within major > version numbers, in preparation for rolling upgrades. Many of the things > you have suggested like moving classes from one package to another, and > doing some serious rework to Configuration will break not only binary > compatibility but also API compatibility. > > If we do go this rout, just be aware that it is most likely something that > would have to force a major version bump, which right now means trunk (the > 3.0 line). > > --Bobby Evans > > On 7/9/12 8:24 AM, "Guillaume Nodet" <email@example.com> wrote: > >> I'm working with Jean-Baptiste to make hadoop work in OSGi. >> OSGi works with classloader in a very specific way which leads to several >> problems with hadoop. >> >> Let me quickly explain how OSGi works. In OSGi, you deploy bundles, which >> are jars with additional OSGi metadata. This metadata is used by the OSGi >> framework to create a classloader for the bundle. However, the >> classloaders are not organized in a tree like in a JEE environment, but >> rather in some kind of graph, where each classloader has limited >> visibility >> and limited exposure. This is controlled by at the package level by >> specifying which packages are exported and which packages are imported by >> a >> given bundle. This is mainly two consequences: >> * OSGi does not supports well split-packages, where the same package is >> exported by two different bundles >> * a classloader does not have visibility on everything as in a usual >> flat >> classloader environment or even JEE-like env >> >> The first problem arise for example with the org.apache.hadoop.fs package >> which is split across hadoop-common and hadoop-hdfs jars (which defines >> the >> Hdfs class). There may be other cases, but I haven't hit them yet. To >> solve this problem, it'd be better if such classes were moved into a >> different package. >> >> The second problem is much more complicated. I think most of the >> classloading is done from Configuration. However, Configuration has an >> internal classloader which is set by the constructor to the thread context >> classloader (defaulting to the Configuration class' classloader) and new >> Configuration objects are created everywhere in the code. >> In addition, creating new Configuration objects force the parsing of the >> configuration files several times. >> Also in OSGi, Configuration is better done through the standard OSGi >> ConfigurationAdmin service, so it would be nice to integrate the >> configuration into ConfigAdmin when running in OSGi. >> For the above reasons, I'd like to know what would you think of >> transforming the Configuration object into a real singleton, or at least >> replacing the "new Configuration()" call spread everywhere with the access >> to a singleton Configuration.getInstance(). >> This would allow the hadoop osgi layer to manage the Configuration in a >> more osgi friendly way, allowing the use of a specific subclass which >> could >> better manage the class loading in an OSGi environment and integrate with >> ConfigAdmin. This may also remove the need for keeping a registry of >> existing Configuration and having to update them when a default resource >> if >> added for example. >> >> Some of the above problems have been addressed in some way in HADOOP-7977, >> but the fixes I've been working on were more related to hadoop 1.0.x >> branch, and are slightly unapplicable to trunk. >> >> One last point: the two above problems are mainly due to the fact that >> I've >> been assuming that individual hadoop jars are transformed into native >> bundles. This would go away if we'd have a single bundle containing all >> the individual jars (as it was with hadoop-core-1.0.x, but having more >> fine >> grained jars is better imho. >> >> Thoughts welcomed. >> >> -- >> ------------------------ >> Guillaume Nodet >> ------------------------ >> Blog: http://gnodet.blogspot.com/ >> ------------------------ >> FuseSource, Integration everywhere >> http://fusesource.com > -- Jean-Baptiste Onofré email@example.com http://blog.nanthrax.net Talend - http://www.talend.com
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Wednesday, February 22, 2017
GloryHoundd and The Uninvited Gamers: Mystery Dungeon 1000: Encounter 1
"The healing potion you drank was mislabeled and now you are beginning to hallucinate you are being followed by a unicorn. What do you do?"
Click here to listen or right click and choose "Save Link As..." to download.
Also make sure to check us out at GloryHoundd.com and follow this weeks Uninvited Gamers: @GloryHoundd, @Rlnewby, @DrGloryHogg and a special thanks to EyeProfet and Just Colleen.
Music by DJ Cutman
Labels: DM, dnd, DrGloryHogg, dungeon world, encounter, EyeProfet, GloryHoundd, gm, Just Colleen, podcast, Rlnewby, RPG, Tabletop, The Uninvited Gamers
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If you are an employer or other entity that is using the biometric information of your employees, customers or others, such as fingerprint or retina scans, for purposes such as timekeeping, computer login, or customer identification, you could be the target of a class action lawsuit based on Illinois' Biometric Identification Privacy Act ("BIPA") unless you have appropriate signed releases and a policy in place governing the storage, retention, and destruction of the biometric information.
What Is BIPA?
Adopted by Illinois in 2008, the BIPA regulates the collection, use, safeguarding, handling, storage, retention, and destruction of biometric identifiers and biometric information by private entities. "Biometric identifiers" are defined as "a retina or iris scan, fingerprint, voiceprint, or scan of hand or face geometry." Biometric identifiers do not include: writing samples, written signatures, photographs, human biological samples used for scientific testing or screening, demographic data, tattoo descriptions, or physical descriptions such as height, weight, hair color, or eye color. "Biometric information" means any information – regardless of how it is captured, converted, stored, or shared – based on an individual's biometric identifier used to identify an individual.
The BIPA provides that no entity may collect, capture, purchase, receive through trade, or otherwise obtain a person's biometric identifier or biometric information unless it first:
- Informs the subject in writing that the information is being stored;
- Informs the subject about "the specific purpose and length" of the use; and,
- Receives express written authorization to use the information. For employers, the release can be conditioned on continued employment.
The BIPA also requires entities storing biometric identifiers or biometric information to have a written policy establishing a retention schedule and guidelines for permanently destroying the identifiers and information when the initial purpose for collecting or obtaining them has been satisfied or within three years of the individual's last interaction with the entity, whichever occurs first.
Additionally, entities in possession of biometric identifiers or biometric information must store, transmit, and protect them from disclosure using a reasonable standard of care based on the entity's industry using the same or more protective manner as used by the entity to store, transmit, and protect other confidential and sensitive information. Further, no entity in possession of a biometric identifier or biometric information may sell, lease, trade, or otherwise profit from the identifier or information.
Which States Have Regulated Biometric Privacy?
Illinois' BIPA was the first statute regulating the use of biometric information. Texas has a similar statute regulating biometric privacy, and other states – namely, Alaska, Connecticut, Montana, New Hampshire, and Washington – are considering similar legislation. Illinois' BIPA, however, is the only statute allowing private citizens to bring suits for violations of the act. Under the BIPA, an individual can recover $1,000 for each unintentional violation and $5,000 for each intentional or reckless violation, or actual damages, whichever are greater. Attorneys' fees are also recoverable.
While Illinois' BIPA has been in effect since 2008, not many cases were brought based on the act until recently when it garnered attention from plaintiff's class action attorneys. In the past couple of years, class action cases have been filed against grocery store Mariano's related to employee timeclocks, against education/daycare provider Crème de la Crème related to authorizations to pick up children, and against tech company behemoths such as Facebook, Google, Snapchat, and Shutterfly regarding facial recognition technologies.
The first reported settlement under a BIPA case was reached at the end of 2016 when L.A. Tan agreed to a $1.5 million payment. This class action alleged that L.A. Tan used fingerprint scans to identify its customers in a membership database without obtaining their consent.
How Have Courts Ruled on the BIPA?
Courts have reached opposite results as to whether a plaintiff must show damages in order to have standing to bring a claim under Illinois' BIPA.
McCullough v. Smarte Carte, Inc. was a class action suit filed in Illinois federal court alleging that Smarte Carte violated Illinois' BIPA by collecting fingerprints of consumers for rental electronic lockers, luggage carts, and the like without consent. Smarte Carte argued that the plaintiffs lacked standing to bring the claims based on a mere procedural violation of the BIPA without the plaintiffs suffering any actual damages. The court agreed and dismissed the case asking, "How can there be an injury from the lack of advance consent to retain the fingerprint data beyond the rental period if there is no allegation that the information was disclosed or at risk of disclosure?"
In January 2017, a New York federal court reached a similar holding in Vigil v. Take-Two Interactive Software, Inc., a class action suit under Illinois' BIPA, which alleged that videogame distributor Take-Two did not get consent from players of a video game that allowed players to create avatars from a scan of their face. In dismissing the case, the New York court held that the plaintiff only alleged a bare procedural violation of the Illinois act without demonstrating any harm.
An Illinois state court reached a different result, however, in Sekura v Krishna Schaumberg Tan, Inc. Like the L.A. Tan case, the defendant operated a tanning salon and collected fingerprints of members for identification purposes. As opposed to the courts in the Take-Two and Smarte Carte cases, the Illinois state court held in February 2017 that actual damages need not be shown and refused to dismiss the case, which is still pending.
Complying with BIPA
As the use of biometric identifiers expands, more and more states are likely to enact statutes similar to Illinois' BIPA regulating the use of biometric information. It is clear that, if you collect fingerprints or other biometric information from your employees, customers, or others, you need to comply with Illinois' BIPA and other similar laws by obtaining appropriate consents and by creating and adhering to policies regarding the storage, retention, and destruction of such information.
If you require assistance in creating an appropriate consent form and/or a policy compliant with biometric privacy laws, contact Andrew L. Goldstein, at firstname.lastname@example.com.


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Norwegian's Service from Austin and Chicago Commences
Press release • Mar 28, 2018 06:00 EDT
NEW YORK (MARCH 28, 2018) – Norwegian, the World's Best Low-Cost Long-Haul Airline and Value Airline of the Year 2018, launched two new routes from Chicago and Austin to London starting March 25, and March 27, respectively. Norwegian is the first low-cost airline to offer transatlantic service from both cities.
"When we initially announced our new Chicago service back in July 2017, we did so with four weekly flights. However, due to high demand, we increased our offering to daily service. In Austin, we're only the second airline to offer year-round transatlantic service, and our goal is to increase frequency in the near future. Both of these cities have great growth opportunities," said Thomas Ramdahl, Norwegian's Chief Commercial Officer.
One-way economy fares from Austin and Chicago start as low as $194.90 and $159.50, respectively, and include all taxes. The lowest one-way fares in Norwegian's Premium Cabin to London from Austin and Chicago start at $689.90 and $579.90, respectively, including taxes. Premium service includes dedicated check-in, additional luggage allowance, fast track security, lounge access where available, priority boarding, wide recliner seats, all meals and drinks.
Norwegian now offers nonstop flights to London from 11 U.S. cities. Flights from both Austin and Chicago also connect well with Norwegian's flights to Denmark, Finland, Norway, Spain and Sweden.
These are two of the 11 new routes that Norwegian has announced and will launch from the U.S. in 2018. Norwegian operates one of the world's youngest fleets, and flights from Austin and Chicago will be operated by brand-new Boeing 787-9 Dreamliner aircraft.
All flights are now available for sale at Norwegian.com/us. Additionally, the website's low fare calendar displays the lowest available fares to all of Norwegian's destinations. Passengers on all of Norwegian's routes are eligible to join Norwegian Reward, the airline's loyalty program and can earn CashPoints every time they fly, stay at a hotel or rent a car.
Upcoming launches from the U.S. include: Denver to Paris (April 9); Oakland/San Francisco to Paris (April 10), Boston to Paris (May 2); New York/JFK to Amsterdam (May 7); Los Angeles to Milan (June 17); Los Angeles to Madrid (July 15); and New York/JFK to Madrid (July 18).
About Norwegian
Norwegian is the world's sixth largest low-cost airline and carried around 33 million passengers in 2017. The airline operates 500 routes to 150 destinations in Europe, North Africa, Middle East, Thailand, Caribbean, the U.S and South America. Norwegian has a fleet of 150 aircraft, with an average age of 3.6 years, making it one of the world's youngest fleets. Norwegian was named the Most Fuel-Efficient Airline on Transatlantic Routes by the International Council on Clean Transportation (ICCT). Norwegian has been voted 'Europe's best low-cost carrier' by passengers for five consecutive years at SkyTrax World Airline Awards from 2013-2017, along with being awarded the 'World's best low-cost long-haul airline' in 2015, 2016 and 2017. Norwegian employs 9,000 people. The airline offers 40 nonstop routes from the U.S. to London, Paris, Scandinavia and the Caribbean.
Follow @Fly_Norwegian on Twitter, join the discussion on Facebook and keep up with our adventures on Instagram. For more information on Norwegian and its network, visit norwegian.com.


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Search Results.
Pelagic Divers Fuvahmulah
Fuvahmulah, Maldives
Telephone: 960 790 0966
Pelagic Divers Fuvahmulah is a PADI certified dive center located in the southern hemisphere of the Maldives, in an island with incredibly unique geographical features and an endless sea of pelagic life resident to tiger sharks year around. This ... more
Atlantis Cayman Islands Submarines
Grand Cayman, Cayman Islands
Telephone: 1 345 949 7700
The Cayman Islands are one of the top scuba diving destinations in the world, and with Atlantis Submarines, you don't have to be a scuba diver to experience the underwater world. The 48 passenger Atlantis Submarine offers a unique but relative option for ... more
Red Sail Sports
George Town, Cayman Islands
Telephone: 1 877 506 6368
Red Sail Sports is the leading Grand Cayman dive operator. For over thirty years we are proud to be the most diversified supplier of Grand Cayman Watersports services. Our professional staff makes your vacation a memorable one.... more
Indigo Divers
George Town, Cayman Islands
Telephone: 1 345 525 3932
We are owner-operated dive company. We strive for excellence and cater to scuba divers of all experience levels. We have raised the bar on Grand Caymans dive industry.... more
Cameroon Diving Services Ltd
Douala, Cameroon
Telephone: 237 661 735 050
Cameroon Diving Services Ltd (CDS) is one of the leading approved and certified underwater diving service provider, operating along the Cameroon Sea board. We have been providing various kinds of underwater services all over Cameroon since 2008 and ... more
Khao Lak Explorer Dive Center
Khao Lak, Thailand
Telephone: 66 76 485 308
Khao Lak liveaboard is a unique experience, You will cruise to the Similan islands by night and wake up with the amazing sunrise over the Similan islands ready to dive. We propose you a wide range of Khao Lak liveaboards to Similan islands departing from ... more
Bud and Caths Scuba Academy
Edenvale, South Africa
Telephone: 27 11 6096924
If you are searching for the right place to learn how to dive, advance your skills or just to have fun - you've found it! Bud & Cath's is the Academy for discerning divers, those who want a safe and enjoyable foundation in diving tuition.... more
Agulhas House & Diving
Umkomaas, South Africa
Telephone: 27 399 731 640
The warm Agulhas current flows down the South Coast from Mozambique. Agulhas House nestled in the centre of the Village of Umkomaas, home to world famous reef system of the Aliwal Shoal, provides the diver and water sports enthusiast an equally warm ... more
Ocean Encounters Diving Centre
Mombasa, Kenya
Telephone: 254 713 814 505
Ocean Encounters Diving Centre is a facility offering recreational snorkeling and scuba diving courses and dive excursions for individuals, families, dive clubs and large groups. We provide experience programs (try-dives) for complete novices and also ... more
Wicked Diving Co Ltd
Khao Lak, Thailand
Telephone: 66 85 795 2221
Our Similan Dive Center is located in Khao Lak, Thailand and serves the Similan and Surin Islands as well as local wrecks, reefs, muck diving and lake diving. We also offer an array of snorkeling and other non-diving activities from there. We are opening ... more
Eco2 is the first diving, marine research and education centre in southern Tanzania. Opened in 2004 and based in Mikindani town, in Mtwara province, we provide low-impact scuba diving and dive safaris, and, working with the local Marine Park, promote ... more
Beyond Diving
Playa del Carmen, Mexico
Telephone: 52 984 803 3043
Beyond Diving is dive shop and scuba diving training center in Playa del Carmen, Mexico. We offer Cenote Cavern Dives, Ocean diving in Playa del Carmen, Cozumel Scuba Diving, Cave Diving and Technical Diving training and Guided Dives, Aqualung and Apeks ... more
Paradise Divers Kenya
Wasini Island, Kenya
Telephone: 254 40 320 2740
The already six-year-old centre, eco-lodge and African restaurant awaits the guests along with our dedicated team, dive trainers, safari and city tour guides. You can rent diving equipment and wetsuit, learn in our school and get certification. Spend ... more
eco2 Dive Center
Mikindani, Tanzania
Telephone: 255 784 855 833
eco2 is the first diving, marine research and education centre in southern Tanzania. Opened in 2004 and based in Mikindani town, in Mtwara province, we provide low-impact scuba diving and dive safaris, and, working with the local Marine Park, promote ... more
Taka Dive Adventures
Cairns , Australia
Telephone: 61 7 4046 7333
Taka Dive Adventures has been operating liveaboard dive trips for over 18 years to remote regions of Australia's Northern Great Barrier Reef, including the Cod Hole, Ribbon Reefs and Osprey Reef in the Coral Sea. Experience the magic of diving with the '... more
Explore Asia Tours Sdn Bhd
Kota Kinabalu, Malaysia
Telephone: 60 88 486389
As I discovered, most people go to Mabul to dive Sipadan, that great pelagic sea mount made famous by Jacques Cousteau, home to the turtle tomb, thousands of live turtles and millions of schooling pelagics. The accommodation at Smart Diver Resort on ... more
Dive & Relax
Koh Lanta, Thailand
Telephone: 66 8 4842 2191
Dive & Relax is a small dive operator with a focus on great personal service, safety, comfort and fun. We offer daily dive and snorkel trips to many of the islands in the southern Andaman Sea, together with PADI dive courses, photography workshops and ... more
BeyondH2O - Cancun Diving
Cancun, Mexico
Telephone: 52 1 998 438 710
BeyondH2O - Cancun Diving is Cancun's premiere boutique diving service. We specialize in 100% private service. Whether you are a beginner just learning to dive or a hardcore diver looking to dive Cenotes or our beautiful reefs and wreck, BeyondH2O - ... more
divePro Cancun Diving
Cancun, Mexico
Telephone: 52 199 8197 6944
If you are a certified Scuba diver or a beginner that has not tried this amazing activity, or a hard core diver with specific needs and special requests, divePro Cancun Diving provides integral Scuba diving solutions.... more
Charlie Claws
Wasini Island, Kenya
Telephone: 254 40 52410
We welcome you to Wasini Island, a great escape and getaway located in the heart of real Africa on the very edge of Kenyas exciting coastal tourism strip. Its a true pearl on the Swahili Coast. Our happy guests can testify that we offer a wide variety ... more
Woodwind Cruises
Kralendijk, Bonaire
Telephone: 599 786 7055
Let Woodwind Cruises help you plan your best vacation to Bonaire. Choose from a variety of guided snorkel cruises, including Sunset Cruises and guided night snorkels! Woodwind is our 37-foot trimaran, which awaits the pleasure of your company. Let us ... more
Kuching Scuba Centre c/o Kion Seng Holding Bhd
Kuching, Malaysia
Telephone: 60 82 428842
Welcome to the paradise diving down under and experience a pool of adventures an dexcitement. Thinking of getting certified diver, but don't have the time to put into a regular diver course? Now KSC has designed a special diving package just for you.... more


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Customer Testimonials for Prestige Imports West Michigan
Dennis H. - 1986 Porsche 911 Carrera
"I have been a customer since 2002 with my 1986 Porsche 911 Carrera. I had not been in for service since 2006. ( I fortunately did not need any service). My car had a "bucking" (engine cutting out)problem and I needed an oil leak fixed. The bucking problem was fixed at minimal cost and the oil leak was addressed fixing only one area although I was told there could be another possible area to fix. Joe Licari personnaly handled my service write up and drove the car home to be sure he understood the problem and that it was fixed. My testimonial is to the outstanding personal and professional service I recieved and the honesty of the work done. Prestige could have said they performed more tests on the bucking problem and charged me more service time along with not fixing an extra oil leak just to pad the bill. You were also able to take a picture of my computer chip (at my request) as a part of the service so I could follow up on how to understand that part of my engine management. I was also able to redeem a coupon for $100 as a new customer since I had not been in for service in the past year. This kind of service and honestly is rare in today's world. I am a loyal customer forever Joe. Thanks to you and your tachnicians for a job well done!"
Andy K. - 1999 Volvo S70
"I knew about Prestige Imports because my father owned several foreign cars, and always took them there. So when it came time for me to buy my first foreign car (a 99 Volvo S70), I knew where to go. I've since had all my Volvo maintenance performed by the Prestige service techs. I'm increasingly leaning toward purchasing foreign cars (thinking about Volvos and Mini Coopers), and when I decide to make that step I intend to use Prestige. I do this for three reasons: 1) I know them. Not just one or two people, but the owners as well. I sat with Joe a year ago and discussed financing options for a new car. Everyone is very easy to find and talk to. 2) Customer care is wonderful. A good example is a warranty refund I was able to get for some work on my car from over a year ago - turns out there was a warranty refund available for that part, and Mark in the service department tracked down the right people and got me the refund. He did this without my even asking him to. He kept me updated on the process, including sending me updates via email! This customer attention and care impressed me greatly. 3) Prestige Imports strives for continual improvement. One time I filled in PI's online suggestion form for how Prestige could make a change for the better. I got a phone call in return, with the assurance that my suggestion had been noted and that things would indeed be changing and improving. Prestige listens to their customers, and is willing to act based on their input. I've been very happy with Prestige Imports. I'm more than willing to recommend them to anyone."


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LiDAR localization
LiDAR-based localization solutions
The LiDAR localization solutions from SICK enable the position determination of mobile platforms based on natural surrounding contours. These solutions can be adapted flexibly to the respective purpose. The wide range of sensors and computing units from SICK ensure scalability and modularity of the localization solution.
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Modular LIDAR localization based on natural contours
- Position determination for all types and sizes of mobile platforms
- High repeatability of ± 10 mm
- Contour detection with a scanning angle of up to 360°
- Localization resolution of 1 mm
- Refresh rate of 33 Hz
- Easy operation thanks to modern user interface (web browser), as well as ROS integration
Precise localization on the basis of natural landmarks
- Contour detection with a scanning angle of up to 360°
- Integrated evaluation of contour data
- Precise position determination
- High repeatability of position
- Accurate distance resolution with a high angular resolution
- Refresh rate of 8 Hz
- Easy operation thanks to modern user interface (web browser)
Result 1 - 2 out of 2