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Eddie Brock x Venom x Reader: Chasing Normal pt 3

Your first encounter with your target Venom, isn’t what you had hoped. 

PART ONE: HERE

You stood in the shadows of the bank back alleyway, listening carefully to the sound of police sirens at the front of the building and clutching a ski mask you had bought off ebay. Your nerves had finally hit you when you made it to the bank, and suddenly you were wondering if breaking into a crime scene to find Venom was really a good idea. There HAD to be a better way, but after months of nothing could you really pass up this opportunity?

You stared at the mask in your black gloved hands. You really didn’t have a plan here. The furthest you had thought this mission through was wearing all black so no-one could tell it was you, and that was it. No escape plan, no idea of the bank layout, and absolutely no idea how you were going to get to Venom without your head getting bitten off.

You lamented Eddie having to leave and go to work, because deep down you know, if he had stayed at dinner, you would have ignored the Venom report, and that left you feeling conflicted. How could one man have changed your plans and life in such a short time? It was like you had wondered blindly from your horror movie past into a rom-com, and no matter how much you wanted to be the romantic lead, the daily nightmares and atrocities you remembered always kept you from believing that you would get a happy ending. Which is why you NEEDED to find Venom, to finally have closure, to put an end to the Life Foundation that haunted your very soul.

“Okay, let’s do this.” You mumbled in an attempt to psych yourself up, as you slipped the woollen mask over your head. You had to stifle a laugh at the ridiculousness of the situation. Never in your wildest dreams did you ever imagine yourself breaking into a bank, but then again life is rarely ever what we expect.

You snuck through the shadows to the back entrance, ready to bust open the door. After all, locks were your plaything now. You had learned quickly that for your powers to work, your will and intent must be stronger than what you are moving, and all the locked doors you had met had a pretty weak will. So this should be a piece of cake.

As you stretched out a gloved hand to the door, ready to have it bow to your will, you noticed it was ajar.

“Oh.” You murmured, feeling slightly embarrassed. Of course the bank robbers had used the back entrance, they wouldn’t be very good at their jobs if they used the front, now would they?

Slipping through the entrance you were surprised at how dark it was inside, even though it made sense for thieves to not want blaring lights around advertising their presence, it was still WAY too dark. The only reason you were not completely blind was because of the crack in the door letting in light from the outside.

Your eyes strained against the dark corridor you were stood in. You had no idea where to go next, after all you weren’t going to risk having ‘San Fransisco National Bank schematics’ on your internet history, you had to try and limit your traceable presence here as much as possible, you were never being locked up again…

You let out a shaky breath as you started to take tentative steps into the darkness, making sure to keep one hand pressed against the wall, so you would know when there were breaks and turns in your path.

As you walked blindly through the long hallways, taking turns when they were given, and just hoping you were taking the right ones, you couldn’t help but feel terrified. Like you were in danger. Not ‘breaking into a bank when there are cops outside’ danger, but serious ‘horror movie any step wrong could be your last’ danger. It was starting to wear on your nerves. That’s when you realised what was seriously wrong with this situation…

The building was silent.

The only sounds in the bank were your footsteps and shallow breathing. If there was in fact a robbery in process shouldn’t there be criminals making noise? And what about the police? Not one officer was inside the building trying to restore order? What was going on?

As you slowly took another corner you once again wished you were back in your apartment having dinner with Eddie. Something was wrong here. It wasn’t at all like you had expected. You expected running, shooting, yelling and distractions, enough to get in without someone noticing and find Venom. That’s what it had been like when you escaped the Life Foundation, minus Venom of course, but this was NOTHING like that scenario, and the silence was killing you.

That’s when you heard it, the sound of hushed voices and a faint click. You followed it slowly down the wall, until your hand fell upon a door, one of the first you had come across. Behind it was the source of the sound. As you pressed your ear against the hard wooden door, you listened intensely. Heavy breathing was permeating from behind the wooden barrier, it sounded panicked but strained. Like when you desperately try to hide the fact that you are crying from someone. Whoever it was, was scared and in trouble. You knew what you had to do.

Lightly you knocked on the door, before trying the handle. You carefully opened the door by a crack.

“Hello?” You whispered, entering the room with caution.

Suddenly arms came from the darkness beside you and pulled you down, quickly covering your mouth with their hand. You panicked as you watched another figure in the darkness quickly run to close the door, standing with it’s back pressed against the old wood.

“Shut the fuck up!” A hushed voice growled from behind you.

For about three of the tensest minutes of your life, nobody said anything, hell you were unsure if anyone in the room was even breathing.

Your theory seemed to be confirmed when the man holding the door let out the quietest sigh of relief you had ever heard. As he slid slowly to the floor, the person behind you finally let you go. Your knees began to throb with pain from the sudden violent drop, you never regretted not wearing knee pads more than in this moment. Whilst you were trying to sooth your quickly bruising flesh the two men in the dark both came to look at you with confusion and anger.

“Who the fuck are you?!” The man bracing the door whisper yelled. Through the dark you could make out he was wearing a security guard uniform but with the distinct fabric of a face mask bunched around his neck. You concluded that that was how the thieves had gotten in. Pretending you worked there had to work better than the obvious ‘robber’ get up you were currently sporting. You made a note to be embarrassed about your fashion faux pas later, after you weren’t crouched in a dark room, with two bank robbers.

“I’m uhhhh. I’m…here to help?” You didn’t want to admit to these men the real reason you were breaking in, plus they seemed genuinely terrified, so you felt sorry for them.  

“How the fuck are you supposed to help? Huh?! There’s a fucking MONSTER out there!” The second mans voice raised, and was quickly shh’d by the man at the door.

“There is a monster out there eating us. And you wanna fucking help? You’re a girl. What the fuck are you gonna do?” His voice lowered again, but the anger was still there, along with a small hint of arrogance.

For one brief moment you considered leaving these men to their fates, clearly they had pissed Venom off, and the old saying was ‘Crime doesn’t pay’, but you knew deep down you’d never be able to live with yourself if you just left these men to die.

“I know the way out.” You said matter-of-factly, your own sense of smugness taking over.

“What? Really?” Door Guy asked.

“Yeah, the back door was just open.”

“Fucking Marcus must have got out…Prick.” Once again the arrogant man seemed to get angry, you were starting to believe that was his natural state.

“Maybe you shouldn’t look a gift horse in the mouth.” You snarked at him. His eyebrow twitched along with his palm, you knew he had just had the urge to hit you. You’d met men like him in the facility, so many in fact that you were thinking about taking just Door Guy with you to safety.

But you had to be the better person.

You stood up, sweeping dirt from the floor off your butt, and said with all the cheesiness of a bad 80’s movie star.

“Come with me if you want to live.”

Surprisingly Door Guy let out a brief, faint chuckle, as he too stood up, getting ready to go with you. You were glad, being scared for too long can do serious damage to a persons mind, so even if it was only for a second you smiled knowing you had eased that fear a little.

“Fine.” Arrogant Man growled, raising up from his slump. “But if Venom finds us. I’m leaving you behind.” He poked his long hard pointer finger into the middle of your chest. You wanted to punch him in the face, and tell him not to touch you, but you knew that would draw unwanted attention. So you pushed your anger down, trying so hard to ignore the arrogant asshole, but in doing so, the floor started giving off faint but noticeable vibrations and the lights in the room flickered on and off.

The lights caused the two men to panic, Arrogant Man quickly removed his finger, and frantically looked around.

“Wha…what the fuck is that?” He panicked.

“V…Venom?” Door Guy questioned.

“We have to go. NOW!” You commanded, leaving the room. Praying that only your rooms lights had been effected by your anger.

“This way.” You motioned to your scared thieves.

You quickly led the men back the way you came, going at a quick but quiet pace. The fear was one more palpable, in all three of you.

‘You’ve really fucked up.’ That’s all you could think as you retraced your steps back to the exit. You’d finally had a good day, in the sea of darkness your life had become, you’d gotten so close, but now you’d have to go back to the drawing board and find a safer, less terrifying way of getting to Venom. A way which had less possibilities of casualties.

“So was it just you guys and Marcus?” You questioned. Pausing to gather your bearings before moving on once more.

“No…There were six of us.” Door Guy lamented. “We…We didn’t think he was real. You know. A fairy tale that the news had made up.” He sounded broken.

“And what about the police?” You looked back briefly. “They’re just sitting outside the front of the building.”

“Yeah because they fucking want us dead! Pigs!” Arrogant Man seethed.

“What?!” You questioned disbelievingly.

“The first responders retreated when Venom burst through the skylight in the main floor. We haven't seen them since, we were too busy running.” Door Guy choked out.  

“I’m…I’m sorry.” It was all you could think to say. Yes they were criminals, but did they really deserve to become Venoms dinner? You shook the thought from your head, now was not the time for philosophical and sociological debates, especially when you could hear something, loud and heavy coming up fast behind you.

“Guys…run!” You yelled as you turned the corner spotting the still open back door. The light that poured into the dark hallways, even if it was just a crack, was a beacon of hope and a promise of safety. You just had to get there first.

All three of you bolted towards the exit as fast as your legs could carry you, as what sounded like a hungry laugh bellowed out from the darkness behind you.

“Keep going!” You panted out.

“No shit!” Arrogant Man replied. His strides bringing him to the front of the group now. It was then when he turned and punched you in the face, the force of the hit causing you to slam into the wall and fall. You’re world instantly becoming a garbled mess, as you tried to find your equilibrium again.

“Davies!” Door Guy yelled. Stopping for a moment to look at you, crumpled on the floor.

“What!? Bitch isn’t a part of this. She wants to help, she can distract it!” He stated, once more taking off towards the exit.

Door Guy looked between you and the arrogant douche now known as Davies.

“Sorry.” Door Guy apologized and ran off with his friend.

The pounding steps of your pursuer, got louder and closer, you tried to focus, to will yourself up. But a warm liquid sensation running down your forehead told you that that hit was harder than you thought.

With bleary eyes you focused on the light of the exit, so close yet so far away. You watched with betrayal as the blurry image of the two men you had found opened the door wide.

Took their strides towards freedom.

Abandoning you.

The steps in the dark were now on top of you. This was it. The End.

You braced yourself.

But nothing happened.

You opened your eyes carefully just as a gush of air flew past your face. Something big diving through the darkness at the two men.

It happened so fast.

A quick blunt impact, a explosion of red against the open night, a falling headless body, and finally a blood curdling scream.

You pulled yourself up. Ignoring the throbbing pain and the vertigo your injury had induced.

You took slow steps forward, your hand finding comfort and grip on the hard wall beside you. Until the light from outside was all your could see.

Your eyes adjusted to the scene in front of you. Davies was huddled against the back wall of the alley way. His face was painted in red, his expression more contorted than you thought was ever possible. You followed his gaze to Door Guy. Well what was left of him.

Everything from the waist up was gone. Devoured by the creature on top of the puddle of red.

A hulking mass of shiny black. White veins rippling through it’s muscles, showing without a doubt it’s immense strength. And it’s face, so predatory. Like something from the deep abyss of the Mariana Trench.

This was what you had been looking for.

This was Venom.

AN: Sorry this took so long, as some of you know my father passed away whilst writing this exact chapter (like literally the same day) so it took a while to be able to come back.

Tagged: @aggie-the-poet @i-love-dragonss @ameliatrh @hmushkova @imaginecrushes @shikigami-the-paper-spirit @jademox  @chrisevanisdaddy13 @axolotlqueen @crazyminnesotagirl @omgcupquak3stuff

#venom #venom x reader #eddie brock x reader #eddie brock #venom movie #marvel #marvel x reader #mcu #sonyverse #spiderman #spider-man #venom fanfic #fanfic #reader insert #superpowered reader

[digitalreverse-blog]

TOWWM Chapter 2

A/N I think I said awhile ago that I’d start posting these here properly, posted the first chapter, and then never got around to it again, so oops. Finally getting around to it, though!

I didn't expect to get around to Dacarus until a bit later, but when a story wants to write itself, you just have to let it write itself. Just explaining right now that Marvolo and Lycus are going to be referred to with different names based on the situation, and I'm sure you'll all catch onto it when you start reading the instances where I switch between them. Marvolo especially will have this done to him in the future.

Enjoy.

Marvolo took some time to walk around and enjoy being corporeal again, giving Lycus just a little bit of time to read whatever book he was on now. Marvolo knew the layout of the Valerian Manor well enough, having spent a lot of time there in the past three years. Spectre or not, he was still able to roam around, though only in very short bursts. Plus he had spent nearly the whole time with Lycus, so he knew the teens habits well. It was because of this that he had no need to seek help to find the library, where he correctly assumed Lycus went to read that book he mentioned.

He would by lying if he said he wasn't impressed by the boy's talent at ancient runes - creating a body with specifications to be an exact and true copy of someone is anything but easy. Then again, this was the kind of thing that the Dark Lord should be provided with by his followers. He should not have come to expect anything less than the best from them, but his experiences had led him to do so.

Seeking out the Valerians had been a gamble on his part, and they were the hinges on which his door needed to swing in order for his plans to succeed. The Valerians were the only ones that refused to take the Dark Mark - claiming that they could be more useful if they didn't have to worry about being found out. At the time, Voldemort had been rather angry with them for this, eventually casting them away, even almost deciding to kill them for their insolence. As was the case, their decision to not be branded worked in his favour. They were never under any suspicion, and therefore were the most secure bet in being able to return quietly. He knew this, even as a spectre, and began planning his return with them in mind. If they had decided to cast him away as he had done to them years ago, he would have had to resort to other means of returning.

But that didn't happen. Marvolo found that they had stayed loyal to him throughout the years. This loyalty was shown in the form of a gift. That gift was Lycus, their son, who from birth was taught that he was to be an obedient and valuable servant to the Dark Lord. Obedience seemed like it went through one ear and out the other with Lycus, who was willful over subservient. That trait had shown itself to be advantageous, so the Dark Lord tolerated it.

Marvolo stepped into the great Valerian Library. The library had a heaping of scrolls and tomes to go along with the books of various languages. What those scrolls and tomes held, Marvolo didn't know. Villa, Lycus's mother, practically hoarded books as a hobby, ensuring that they could be about any number of things.

He grinned when he spotted the teen engrossed in a leather-bound book of some sort, making his way over with a stride worthy of a new and improved Dark Lord. After spending the better part of three years with the teen, he knew that interrupting his reading would annoy him. As predicted, Lycus glanced up at him, sighed, and closed his book, convinced he'd never be able to finish it with the Dark Lord now in a physical body.

"I hope you didn't forget that we need to make you a new necklace." Marvolo said as he approached the boy.

Lycus ran a hand through his hair, something he did when irritated. "I figured you would want to take some time having half a soul again before splitting it again."

While Marvolo did just spend thirty minutes roaming for that exact reason, he'd never admit it. An eyebrow raise "confirmed" that this was not the case before Marvolo expressed it in words. "Of course not. Being without a horcrux is a liability." Lycus nodded at this whilst silently emitting another sigh, putting his book in his bag and standing up.

Lycus was often quite sarcastic towards Marvolo, but he was still a dutiful servant, and he knew when he had duties to attend to. He bowed before Marvolo and vocalized this stance, playing the perfect servant, "I apologize for my oversight, my Lord. I already have the necklace ready. Would you like for me to find someone for you to kill, or would you rather go out yourself?"

This curbed Marvolo's slight displeasure at his follower's error, certain that this would be unlikely to happen again, but the actions also caused him to feel just a bit awkward, a new feeling for the Dark Lord. "We shall head out soon. I am in need of a new wand, however, and will have to use yours for the task," was his decision.

"Of course, my Lord. I will be sure to call a wandmaker when we get back for a replacement." Lycus said, drawing out his tone in a familiar way, still bowing to his Lord. Marvolo couldn't help but think of the Malfoys.

"Get up already, Lycus. You're no Draco Malfoy." Marvolo breathed out, refusing his body's want to cross his arms. Lycus complied, raising with a smirk that told of his dubious reason for his minion behaviour. Sometimes Marvolo wondered why Lycus wasn't made a member of the house of silver and green.

"Certainly not. I'm simply preparing you for your future," Lycus replied, still with the smirk and a humourous inflection.

With that out of the way, Marvolo briefly pondered the idea of a custom wand. He enjoyed the idea of a custom made wand, but knew that such things tended to take time to create, and he didn't want to wait much more than a day or two to get his own wand. It would certainly take longer than that for a wand to be made. "We will be taking a trip to a wand shop for a temporary one wand, perhaps after my horcrux is made. We can call a wandmaker later."

Lycus decided not to question why they wouldn't get a temporary wand first, correctly assuming that Marvolo had his horcrux as the top priority.

Marvolo didn't give any time for another response, instead turning and walking away from Lycus, "Come, Lycus. There is someone out there that requires death." He said jovially. The sound of footsteps behind him let him know Lycus was following.

Marvolo found his way to the nearest parlour within the manor, knowing that each one held a fireplace that could be used for flooing. He supposed that it may be a good idea to let Anton or Villa know that they were going to be gone for a short while, but at the same time, he didn't want to bother with that. It's not as though he needed their permission.

He had just stepped in front of the fireplace when Lycus spoke up, "Marvolo, I believe that you should put on a few glamours before leaving the manor."

The Dark Lord mentally facepalmed, turning around and approaching the servant that had just provided a pretty good reason for being a member of the house of blue and bronze. Lycus had already brought out his wand, too, offering it to Marvolo, who took it and waved it over his body to make adjustments to his appearance. He took inspiration from the Valerians, going for wavy blond hair, though of a more strawberry variety, hazel eyes, and a tall lean figure with some effeminate facial features. He gave a smile meant to charm. "How do I look?"

Lycus gave him a droll look, "Like Dacarus the Enchanter."

"And who might that be?"

He was given a shrug in reply, "Some guy from a few hundred years ago. He was known as the Enchanter because he had 'a beauty unlike any other, able to enchant those around him with just a look'." Air quotes were given to emphasize that these were not the words of Lycus.

Enchanting was certainly one way to describe the look Marvolo had chosen. He grinned a stupidly alluring grin at this information, thinking of how that worked in his favour when it came to interacting with people. The more distracting he was, the better.

"With that grin, you kind of look like the less annoying cousin of Lockhart." Lycus said through a quiet laugh.

"Who?" Marvolo asked as he waved Lycus's wand over its owner to give him some glamours as well - he didn't want anyone to recognize Lycus, as that may bring attention to them. Well, more attention than they would have already if Marvolo really did look "enchanting."

Marvolo had something in mind when putting a glamour on Lycus. Some random and unusual book he read once when he was going to Hogwarts had a character named Arnou, who was a beautiful black wolf with violet eyes. He never could remember the story surrounding the wolf, but he remembered the wolf well enough. The violet eyes were unnatural, so he couldn't provide those. But long black hair and elegant yet strong features, certainly. He quickly chose to give Lycus dark blue eyes to compliment the dark hair. He nodded in satisfaction at the end result. If Arnou the wolf had ever been human, Marvolo was certain this is what he'd look like. Minus the violet eyes.

"Nobody of importance," was the reply to Marvolo's question, but Lycus caught on to the fact that this appearance wasn't quite as randomly chosen as Marvolo's was, and brought that up, "And who might I be?"

"A wolf named Arnou. If Arnou were human." Marvolo was oddly happy with his choice of character to recreate, but Lycus did not deem it worthy to mention.

Instead, he brought up an idea, "So are we going to go by Dacarus and Arnou while we are in public?"

Marvolo found that both amusing and ingenious, which was made clear by his laugh. "Yes. Yes we are." He stowed the wand away in his own robes since he was the one who was going to be needing it in the near future, receiving no complaints from the owner, and then turned away from said amused teen. He grabbed a handful of floo powder, throwing it into the fireplace before stepping in and calling out "Leaky Cauldron."

Lycus was shaking his head as he followed his 'Dark' Lord to the Leaky Cauldron.

When he stepped out of the fireplace, Lycus found that the Dark Lord had become someone quite different than he was used to. Perhaps it was that he wasn't seeing the Dark Lord, but rather, he was seeing Dacarus. That's what he decided to believe, as this wizard was charming up a storm already, and Lycus couldn't have been more than a minute behind him.

Lycus followed suit with non-Lycus behaviour. While he didn't know anything about Arnou, he could gather a few tidbits of how he should act from both his glamoured appearance and by how Dacarus acted. If Dacarus was going to actively charm people and give them his attention, then Arnou needed to be a bit more laid-back and quiet, making sure that his friend didn't get too lost in socializing.

Lycus stepped quietly to where Marvolo was talking to the barman. Apparently, it was a conversation so exhilarating that the people around Marvolo were paying close attention to it.

"...associated with kids who skip school because of that, but there is no real correlation between the two." was what Lycus caught being said by the barman when he got close enough to hear. And as much as he wanted to continue listening to what had to be a fantastic discussion, he had a book he wanted to get back to as soon as possible, and he was sure that Marvolo didn't actually want to be talking to anyone here.

Lycus considered his approach for a few seconds. Arnou and Dacarus were supposed to be friends, or so he assumed, but it was still the Dark Lord that he would be interrupting. And he would have no way of knowing if this annoyed Marvolo until after they were away from other people.

He chose the safe route of walking up and politely clearing his throat, gaining the attention of Marvolo and the barman, which had the accidental effect of drawing all eyes on him.

He gave the people an apologetic smile before turning his attention to Marvolo, "Sorry to interrupt, Dacarus, but we don't have all day. You can always come back later."

Marvolo nodded and turned back to the barman to say goodbye. He waved at the surrounding people when walking by, receiving some farewells in return.

Marvolo turned to him when they got outside with that stupidly charming grin, "Those were lovely people, weren't they Arnou?" He started walking down the path, expecting Lycus to follow. He did.

Lycus didn't really care all that much about how lovely the people in the Leaky Cauldron were, but he wasn't supposed to be Lycus right now. Right now, he was Arnou. "Indeed, Dacarus. You wouldn't happen to be thinking about coming back to chit chat some more, would you?"

Marvolo - or rather, Dacarus - hummed in contemplation. "I'm not sure. They seemed agreeable enough, but we both know how the wizards of Britain are. Only time will tell."

Lycus agreed with that notion, catching the hidden meaning behind the statement. He hadn't expected the Leaky Cauldron to be one of the locations where they would find people who would concede their cause.

They spent some time just walking, Marvolo appearing to know where he was going, Lycus content to just follow along. It was a good ten minutes later when they made a sudden turn into an alley. It didn't take long to see why.

There was a person in the dark alley, sitting against the wall asleep, obviously homeless. The perfect target.

Marvolo once again brought out Lycus's wand and put up a few charms that would make sure they weren't disturbed. He held out his hand, to which a pendant identical to one from before was placed. He walked up to the sleeping muggle, pointed the wand at him, and spoke the words that brought death faster than any other spell, "Avada Kedavra."

A bright green flash flew out of the wand and hit the muggle, and it was done. Marvolo handed the pendant to Lycus, who put it on, hiding it under his shirt, as well as hiding his ever so slight disturbance at Marvolo's ease in using the killing curse. It wasn't supposed to be easy, but Marvolo didn't even need to think to use it.

The Dark Lord had a horcrux again, though this would be the only one he made unless it was broken. And if it were to be broken, that would mean that Lycus failed his most important task of all, and would be on the receiving end of every painful but non-fatal curse Marvolo knew for an undetermined amount of time. Multiple times.

Lycus understood this, of course, and would easily give his life to protect the horcrux. He would even more easily take the life of someone trying to destroy it.

Marvolo handed Lycus his wand back and strode out of the alley, going back in the direction they came from.

"Shall we be going to pick up a temporary wand for you?" Lycus asked, walking alongside Marvolo now as he knew where they were headed.

He received a nod in response, as well as a location, "We will go to Ollivander's. Let's hope he doesn't recognize me." Marvolo smirked at that thought. "If he does, I'm sure he'll be too shocked to defend against any oncoming curses."

Even if Ollivander wasn't shocked enough to be rendered an easy target, Lycus knew it was still expected of him to be able to react quick enough to prevent Ollivander from doing anything. This included putting up charms that would defend against people knowing what was going on, as well as fire curses at Ollivander to render him dead. His training should see that as an easy accomplishment, but he knew to never be careless enough to rely on skill alone. You're skill and speed in casting spells doesn't matter if you don't pay attention to when you need to cast them.

The two "friends" spoke about trivial things on the way back to the Leaky Cauldron. More specifically, Lycus asked what Marvolo and the barman were talking about, finding that it was about an Irish pastry known as Gur cake. How that pastry and kids skipping school became associated, he had no idea, but apparently they were.

They entered the Leaky Cauldron, drawing a few eyes. Dacarus was kind enough to let them know ahead of time that he was simply passing through and couldn't stay to chat. They went out the back, and Lycus tapped the familiar pattern on the brick wall, opening up Diagon Alley.

Lycus had never liked loud bustling places, and Diagon Alley was certainly one of them. Therefore, he didn't like Diagon Alley. Marvolo, thankfully, found no pleasure in hanging out in Diagon Alley for longer than necessary either, and they promptly found themselves arriving at Ollivander's.

The man well known for his spooking of children was nowhere to be seen among the musty and dusty shop. Probably hiding in the back for a poor unsuspecting soul to try and terrify. Or maybe he was sleeping. He was a wandmaker, and it was likely very rare for people to come in all that often during winter. Hibernating would be a completely understandable course of action to avoid being bored out of his damn mind.

The two waited patiently for the old wizened man to come out of hiding. By come out of hiding, it is of course meant that Ollivander appeared abruptly from the shadows, creeping towards the counter while staring intently at the two wizards.

"Ah, a customer. Looking for a temporary wand. No matter. Are you right handed or left? Hold your arms out, please, I need to take a few measurements."

Marvolo complied, not bothering to question the old man about how he knew he was looking for a temporary wand. Typical Ollivander. It was even more typical that the wandmaker paid no heed to the tape measure doing its measurements, instead simply pulling out a few boxes and placing them on the counter, to then put them all back and pull out one particular box that seemed to be making noise.

"Temporary wands tend to be easier to match as they are not going to stay with you. However, might I incline you to perhaps consider taking a permanent wand? This one seems to be very interested in you." Ollivander gave Marvolo a sophic smile as he took the wand from the box. It was humming.

Confusion was apparent on Dacarus's face as he took the wand from Ollivander. It reacted to Dacarus's touch with a flashing of light and a cessation of that hum.

"Vine is a curious material that no other wandmaker uses. It is much more sensitive to magic than any other type of wood, making it able to detect a suitable witch or wizard by simply being near it. I dare say that this wand has chosen to be yours, regardless of whether you meant to leave with a permanent wand." was the given explanation. An explanation that was very much appreciated by the other two wizards.

But Ollivander had another thing to say, something that he hoped would convince this customer to keep the wand, "It's core is of unicorn hair, the most loyal and consistent of the cores. If you choose not to keep it, the unicorn hair within is likely to deteriorate."

Marvolo looked up at Ollivander at the mention of the core being unicorn hair. Lycus didn't know whether to laugh at the idea of the Dark Lord having a wand with unicorn hair choose him, or to rub the bridge of his nose in silent pity. He settled on neither, though was still laughing a little bit on the inside.

Dacarus slowly nodded his head in understanding. "I see. In that case, I suppose I'll have to keep it. It'd be cruel to do otherwise." He paid the fee to a happy Ollivander and left the shop with Lycus close behind.

Lycus had a playful smirk on his face, though he didn't say anything. He wouldn't risk the wrath of Marvolo over a few teasing quips. Marvolo still caught on to his amusement, awarding Lycus with a half-hearted glare. In all his training of self control, Lycus had never thought that it would end up including controlling his laughter. He appeased himself knowing that he could laugh all he wanted when in the manor, rooms and floors away from Marvolo.

Instead of heading towards the Leaky Cauldron, as Lycus expected, they maneuvered their way to Magical Menagerie. He supposed that it may be because Magical Menagerie has a floo connection, but there was always a chance that the Dark Lord just wanted a pet. Or to look at the cute puffskeins.

Marvolo was going in the direction of the floo, but paused next to a cage. Without looking, he addressed Lycus, "Arnou, you wouldn't happen to have a decent amount of money on you right now, would you?"

Lycus approached Marvolo and the cage with curiosity as to what could be so intriguing that Marvolo may actually want to buy it. "I am prepared for all occasions, Dacarus. This includes spur of the moment shopping. I doubt that whatever it is you're looking at will be a problem to pay for."

It was a relatively delighted grin that was returned at this information. "Good. Otherwise I would have sent you to go get enough for this." Marvolo turned towards the counter where the sales lady was standing, blushing and constantly glancing up and down at him. He put on his charming grin and walked over to see about buying whatever was in the cage. It was apparent, even without hearing the conversation, that it wasn't for sale.

As Dacarus was charming the sales lady into letting him buy whatever was in the cage, Lycus took a look for himself at what had Marvolo so excited. He wasn't disappointed, as he was greeted with the slim angular head of an indigo snake. A snake that was super cute. What was better than that, however, were the telltale protrusions on the snakes head: four little horns were growing out of the top of its head, two on each side, the ones in front slightly smaller than the ones in back. The horns were ivory in colour, and could only be a couple centimeters in length at most. The snake itself was probably only about eight inches long. But what truly caught Lycus's attention was the marquise shaped periwinkle gem in the center of its forehead, which matched the colour of its eyes. Eyes that were staring right back at Lycus. He couldn't help but smile at the cute creature.

It didn't take a Ravenclaw to know that this was no ordinary snake, but it did take more than the average British wizard to know that this was a horned serpent. They were native to North America, so seeing one here in Britain was a bit of a shock. Lycus wondered how they got their hands on one.

Dacarus walked over with a look that let Lycus know he won the right to buy the horned serpent. Lycus shook his head in disbelief - no amount of charm would ever make him sell a horned serpent in his possession - and made his own way over to the counter to pay while Marvolo took the cute little snake out of the cage. The sales lady was still eying Dacarus when he got to the counter.

Ignoring the lady's reaction to Dacarus, he casually asked how much it would cost, handing over the given amount. It was way too low of a price in his opinion, but he purported that she had no idea just how valuable horned serpents were.

With Marvolo a much happier man with his cute little snake wrapped around his wrist, they flooed back to the manor.

They arrived in the main parlour, glamours melting away as they did, finding Lycus's mother lounging on a sofa reading a book. Book reading may or may not run in the family. She looked up at the entrance of the Dark Lord and her son, a smile appearing on her face once she recognized who came through the fireplace.

"Welcome back, my Lord. It is good to see you back in your body." She turned her sights on her son right after that comment, making a playful jibe at his expense, "I hope that my son has proven useful for you now that you don't have to rely on him to carry you around, otherwise I will have wasted fifteen years of my life."

Lycus gave her a dry look, followed by a rolling of the eyes. Marvolo replied with an impish grin, ready to tease the poor teen along with her. "Lycus has proven adequate so far. Even his wand was agreeable with me. I don't suppose you'd know just how agreeable the wand that you gave him would be?"

Villa laughed at Lycus's somewhat reddening face, but wasn't willing to continue the joke quite that far, "I'm afraid not, my Lord. If you want to find a mother who can answer that, you'll have to go to the Goyles. But I'm sure Lycus would have no issue in letting you find out if it so pleases you."

Both of the males shuddered at the implication that the Goyles were actively incestuous, and Lycus was partially covering his face with one hand by pinching the bridge of his nose as a way to act as if nobody could see him blushing.

He found that he did not enjoy being a room that housed both his mother and his Lord.

Marvolo glanced at Lycus with a mischievous look, "That is an enticing thought, Villa. I might just have to go through with it, too." His eyes were the only thing that betrayed the fact that this was merely jest, as was his next sentence. "But alas, I find myself in need of tending to a serpent, and shall have to hold that thought for later."

With that, he strolled out of the parlour, hissing to the snake that was wrapped around his wrist.

Lycus threw his mother a light scowl as he left the parlour himself, intent on finding one of her scrolls on death before your time. For research purposes only, of course.

#harry potter #TOWWM #fanfiction #harry potter fanfiction #chapter 2 #OC #a story with an OC in it which we all know everyone loves #i originally wrote this story with 100% the intention to make Lycus and Marvolo a pair #when i came back two years later i realized i was just real dumb and said nope #in other words #youre welcome

[tsunamijenn]

My YOI Nerd Pilgrimage pt. 9.2

Day 4 continued...again...

PSA: PICTURES OF THE SP/FS AND STAMMI VICINO (BOTH SOLO AND DUET) OUTFITS WERE NOT TAKEN BY ME!

They were posted on Twitter here.

I did not have the balls to try and sneak pictures of things that were explicitly labeled with No Photography signs. I definitely did NOT wanna risk getting caught and kicked out.

All 8 outfits were on spinning platforms, so you could see all the details, front and back. You had Phichit’s SP, Otabek’s FS, both of Yuuri’s outfits, both of Yurio’s outfits, JJ’s SP, and Chris’ SP. The screen behind was sometimes one big screen, sometimes split into several, but always showing different clips from the routines associated with the outfits on display. On the other 3 walls, there were pictures GALORE of screenshots from the show.

You passed through a curtain, and to your left was Victor’s Stammi Vicino outfit...and the bag of nuts ( ͡° ͜ʖ ͡°)

There was another TV on the wall, and this one played different flashbacks. When Victor promises to choreograph a routine for Yurio, young Yuuri watching in admiration as it shows him growing up, Victor throwing a flower to young Chris, etc. The wall surrounding the TV had pictures of posters and news clippings of Victor, so essentially Yuuri’s bedroom wall.

You passed through another curtain, and you were at the first picture spot, with the Victor and Yuuri statues, Yuuri’s latest outfit, and the acrylic standee of Victor.

Teeeeechnically, the sign said no touching, and none of us did...we all just...sat. Which I suppose is still touching because our butts touched the bench, but we all just ignored that...

There were also more pictures of stills from the show

Past that was the Stammi Vicino duet outfits (WITH RINGS)!

Pass through one more curtain, and you were at the kiss and cry bench where you could again take pictures with the different plushies. Being the Victor/Victor run, I had no logical choice but to wear the glasses.

And in case it’s hard to see, your options were:

Yuuri’s Onigiri

Yuuri’s Egg Sushi

Yuuri’s Meat on the Bone

Yurio’s Cat

Otabek’s Bear

Phichit’s Hamster and Hamster Hat

Victor’s Watery Eyes (as glasses)

Chris’ Cow/Bull/whatever

A donut

A deep fried shrimp

Do I remember who had the last two in the kiss and cry? Nope. If you recall, please let me know.

And on the wall opposite of where you sat, there were more pictures of stills (to be honest, pretty much every wall had stills unless it was specifically occupied with something else, or was a background, etc etc).

Then as you got ready to leave the museum proper and enter the museum store, you were gifted with this picture, large and taking up the entire wall.

As for the content of the Victor/Victor audio, both Victor’s are really appreciative that you’ve gone 6 times and joke that they can see everything on your mind, ooh and ahh over the outfits, talk about love, bark at each other pretending to be Makkachin, and then tell you that they see a little bit of the other characters in you.

“You must be thinking only about me.” “A part of your mind has already been ‘Yuri-fied’.”

Whenever you become emotional, the Yurio in your mind points the middle finger at you.”

“There’s always a Georgi in anyone’s mind.”

“If your Georgi starts going out of control, create Yakov in your mind. Your Yakov surely will guide you through.”

“And if your Georgi becomes more like Georgi, to the point where you can’t stop him?” “Think about me.” “Think only about me.” “I can make you forget anything.”

The Victor’s close it out by thanking you once again for coming, and telling you they want to make history with you. History Maker starts to play, and both Victor’s together tell you “See You Next Level!”

Normally, once you step out of the museum and into the store, you hand back the audio related items and you are able to pick one postcard of your liking. They had these and then ones of all the characters with their Sanrio counterparts. I chose these because I already have a bunch of Sanrio collab type stuff.

But for the final time, you hand back the audio stuff, pick a postcard, but kept the badge...for the moment. Once there’s room, you are given these massive glasses and step off to the side in this little roped off area. You stand on little paw print stickers on the floor, put on the glasses, and look at the pictures on the wall.

The next two pictures are also from the same Twitter as above.

There are 5 pictures on the wall. When you put on the glasses initially, a little plus sign appears in your vision, and you have to look above the first picture for it to calibrate. The glasses themselves were basically mini-projectors and speakers in one. Once it was calibrated, you looked at the pictures, a clip that the picture was from was played onto the glasses lens.

So:

Episode 1 naked Victor in onsen

Yuuri's breakdown in the parking garage

The ring exchange

Yuuri's quad flip in the GPF FS

Stammi Vicino duet/everyone in Saint Petersburg ending of Episode 12

Then after you've watched all 5, you return the glasses and Victor pass, and get either the Yuri!!! on Museum Masterpieces Collection Book -side Y- (you get side V as an added gift if you spend a lot of money on the other goods in the store), or a couple young Victor posters, including the one of him running in front of the Alexander Column with Makkachin. I chose the book, because I already had V, and it would bother the ever-living-crap out of me if I didn’t get the other half.

The books themselves contain pictures of stuff you aren’t allowed to take pictures of in the museum, and closeup shots of the details of all the the costumes (minus the new Yuuri one).

As you go to leave the store, you come up to a massive poster for Ice Adolescence. And as you turn to walk down the hall back towards the elevators, there’s a small projector playing the first clip they showed of the Ice Adolescence ‘trailor’ at the concert, where music plays and they basically pan up the poster. Next to that are the 3 new pieces of artwork done for the YOIxHowa Sportland Collaboration.

And once I passed all that, once I was walking towards the elevator again, I came across this very sad sight.

No more museum...

o(〒﹏〒)o

From pictures I’ve seen, the only real difference between the museum this year and the museum last year was that this time around they did not have the GPF medals display case. Which is sad, but we also got the new Yuuri statue, so...it’s an acceptable trade-out. Am I bummed I didn’t get to see the medals? Of course! But how they perfectly set up the two statues so that Victor was sitting, admiring Yuuri skate, and Yuuri was smiling back at Victor...well, it made it ok. The only other difference would be the layout...obviously...I mean, different building, different floorplan...

So yeah!

That was the YOI Museum in Roppongi and my last/final walk-through!

<-Previous Post - My YOI Nerd Pilgrimage pt. 9.1 - Day 4 continued (Detailed YOI Museum part 1)

Next Post -> My YOI Nerd Pilgrimage pt. 10 - Day 5

Master List of posts

#Yuri!!! on Ice #yuri on ice #yoi #Yuri!!! on Museum #yuri on ice museum #yoi museum #part 2 #all the skate outfits #free skate #short program #stammi vicino #solo and duet #Ex Tower #TV Asahi #I'm so very grateful that I could visit #thank you husband for indulging me

[alesio3jphln]

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Top 10 YouTube Clips About BigCommerce

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Seven Unbelievable BigCommerce Transformations

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Nevertheless, if you should be interested in simplicity and a user-friendly interface, GoDaddy could be a good option. The GoDaddy "GoCentral" builder is among the simplest tools available, but it's also probably the most restrictive. It is possible to build an internet site and obtain it reside in an hour or two and the rigid structures and lack of customization options means it's going to look good, if not dramatically unique. It is challenging in order to make specific site edits to your pre-made templates, just like pre-made templates you're generally limited to adding a content "block" which has preset text, image and formatting, in place of having the ability to add, drag or drop individual elements. The editor is a lot more of a Madlibs-style fill-in-the-blank as opposed to a responsive, free-flowing experience. It is slightly ironic that it does not include a domain name in its prices, given its core product offering, but apart from that you will findn't too many surprises. The ten dollars plan that is monthly straight-up basic; $15 gets you a PayPal option and an SEO tool and help; $20 tacks on extra email marketing and social networking integration, and its $25-per-month Ecommerce plan is for online store capabilities, that are actually pretty impressive. You obtain abandoned cart recovery, inventory management, discounts and promotions, and Amazon, Etsy and eBay integrations -- the majority of which are usually only available for an store that is online higher prices. GoDaddy is a well-known name, not because of its website builder. Still, we like this there's a super simple and not-too-expensive option available to you for people who don't care about specific style placements and nuanced themes and just need a website that is simple. That is very powerful, but it does take time to understand and still requires that you find a website host and domain name. It is much like the other builders in the list above and it is primarily geared toward bloggers and writers. The WordPress website editor is fairly limited compared to other services, it is an easy task to set up and contains all you need for blogging. We ought to also keep in mind that it is not an intuitive drag-and-drop website builder like Wix or Weebly. Its pricing is fairly cheap, starting off at $5 per to remove WordPress ads and giving you 6GB of storage month. After that it goes to $8 for 13GB of storage and selling that is online, last but not least a $25 option that enables you to definitely use custom WordPress theme options and add-ons. The $8 option appears like the best deal if you're setting up a blog and thinking about monetizing it at some time. Overall, WordPress caters to bloggers that don't want or have to spend a complete lot of the time on web site design, but it feels not a lot of for most other use cases.

[month9books]

This week on #writingwednesday: 

Tom Brosz, author of ROGER MANTIS: THE REMARKABLE METAMORPHOSIS OF ROGER MCGILLICUTTY, offers valuable insight for potential authors by comparing his experiences with self-publishing to publishing through a small press like Month9Books.

Self-Publishing vs. Traditional Publishing: the State of the Art

I have experience both with self-publishing a book (Castle Falcon), and having one published by a traditional publisher (Roger Mantis).

There are pros and cons on both sides, but the industry in both areas has changed a lot, just in recent years.

Self-Publishing

I followed a fairly standard course with my first book, Castle Falcon. I submitted it to agents and publishers, never really considering self-publishing at all.

After over a hundred rejections, and a couple of experiences with agents that didn’t pan out, I got the rights back and decided to try doing it myself.

In the past, self-publishing was an expensive proposition. You had to get your book edited and formatted properly for a paper book. Then you had to print up a large supply of copies at your own expense, and try to get them distributed to stores.

Fortunately, the technology changed by the time I was ready to go. Amazon, among other outlets, offered simple methods for publishing both e-books and paperbacks and putting them up for sale at their websites. Basically an advanced Print on Demand (POD) operation, no book inventories were needed. The cost of the process for the actual publishing was basically zero.

I did have to create a properly-formatted PDF for the paperback, and a Word file to convert to Epub and Kindle e-book formats. I already had computer tools in hand like Photoshop for cover design, rendering programs for artwork, InDesign for paperback layout, and some experience from producing a hardcover gift book version of Castle Falcon at Lulu.

So, in 2012 I published an e-book version on Amazon and other outlets. This was followed by the Amazon Createspace paperback version.

It’s even easier now to publish a book on Amazon and other sites. Createspace and Kindle Direct Publishing have merged into one operation for both e-book and paperback production. To get an e-book up for sale, as far as the technology is concerned, all you need is a decent cover and a properly-edited Word document. It’s not much more difficult for paperbacks, with available templates for formatting in Word. But producing the book wasn’t the hard part. Selling it was.

I had no marketing chops, or the money for a serious campaign. Many reputable reviewers weren’t interested in self-published work, never mind stores and libraries. I had little or no internet presence, other than a website for the book and a following of friends and relatives on Facebook. I got a few reviews, good ones, but the book never got the attention it needed to get going. Like many other self-published books which are turned out in huge numbers every year, it’s basically been languishing on Amazon.

Traditional publishing

In 2011, while I was still working with an agent on Castle Falcon, I wrote a quick middle-grade book just to see if I could do it. Loosely based on Kafka’s The Metamorphosis, I explored the humor of an eleven-year-old boy who wakes up one morning as a five-foot praying mantis.

The agent had no interest in Roger Mantis, so with permission I fired it off to other agents and publishers. Much later, in the fall of 2015, after 78 rejections, and long after I’d parted ways with the agent, I sold it directly to Month9Books.

Traditional publishing was a new experience. There were contracts to deal with, new lessons to learn, and an opportunity to work with other people skilled in the field.

Editing is a big feature of having a publisher (many agents do editing, too). It took a long time to work through my book to bring it to what the publisher wanted to sell, with a lot of patience and back-and-forth. Each time, the quality improved.

The covers were done professionally, and the book (after some unavoidable delays) finally went to market in April of 2019.

The marketing was better than what I could do, with internet exposure, reviews, and most importantly, access to a real distribution system without having to price the book out of bounds. With a traditional publisher, I also have a much better shot at things like foreign and movie rights.

I’m hoping for better success this time around, but it’s still too early to tell.

Like self-publishing, traditional publishing isn’t what it used to be, either. Some years ago, your choices were mostly large, established publishers, usually in New York. If you didn’t have an agent, you were mostly out of luck.

Today, the list of publishers is much larger, with a lot more small companies in the mix. This has pros and cons.

On the plus side, you have more opportunities to get someone to publish your book. Many smaller publishers are more willing to take a shot at a new writer, and often aren’t as rigid about writers submitting without agents. With fewer writers in their stables, a small publisher might give a new writer more personal attention than a big publisher.

On the minus side, a small publisher has fewer resources for things like marketing and support. Advances are usually not large. Limited personnel means they may have no choice but to be very selective on where they expend their efforts. With luck, you’re on the good side of this, but in some cases it’s possible to find yourself almost as badly stranded on the marketing end as if you’d self-published. To be fair, large publishers have also been known to put newer writers on the shelf while concentrating on their profitable known writers.

 What next?

So what’s the best road if you have a book you want to publish?

There’s no right or wrong answer. My own rule of thumb is still giving agents and publishers the first shot at a new manuscript, and don’t give up on that after only a few rejections.

After that? See what you can do with self-publishing. Why not? In my opinion, a book with its own Amazon page, and at least some access to the public (even if it isn’t exactly busting sales figures), is a lot better than a book at the bottom of a file drawer.

Reviewers and others are more tolerant of self-published books today (although traditionally-published books still have an easier time in many places). But it’s still hard. Producing the book and putting it up for sale on the internet is the easiest part. Selling it after that is where things get difficult.

Remember, the important thing is to do something. Too many authors revise forever, putting off the publishing decision. This is almost as bad as a book in a file drawer.

Get your work polished, go out and try, and don’t let rejections stop you. Remember, you have more choices than there used to be.

Check out Roger Mantis from Tom Brosz, which came out in April from Tantrum Books/Month9Books!

#writingwednesday #month9books #middlegradebooks #rogermantis #middlegrademonday #booksforkids #action #adventure #fantasy #bugs #sports #baseball #amwriting #authorlife #writing #writer #writerscommunity #writingcommunity #spilledink #miglit #writetip #pubtip

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How you can Create Your Workout Session Less Mundane.

To download and install high-resolution, print-ready JPEG photos, click the succinct picture above. As a songs teacher myself, I recognize that the table-top alternative is certainly not the same as a full kit, but you can easily learn virtually the same abilities and reflexes making use of a table-top kit. Nevertheless there were actually a number of tracks which literally specified Top-diet-products.info this decade and will constantly be actually associated as anthems coming from this traditional time from popular music. No matter whether you want to workout session or you hate physical exercise opportunity, popular music may bring in a workout session a lot better, much easier and more pleasurable. It performs certainly not matter whether we enjoy Country and western, Rap songs, Celtic songs, or some other sort of popular music due to the fact that this may deliver delight to our life. The Sony Radio W250 possesses a clip, a little USB cord used to attach the player to your COMPUTER to transmit popular music and also three other ear suggestions which you can decide on. To sum that up, it is actually crystal clear that hashtags deliver our company a great deal of brand-new opportunities both for popular music invention and promotion. Promo Suggestion # 96 Acquire associated with the popular music online forums and message panels that target your music segment and ALWAYS include your trademark URL (aka web hyperlink)!! The emphasis that is actually offered right here is actually typically on rock-and-roll music that keeps n personal fresh and also rejuvenated in every way.

This is a grow older old gift and also you could not make a mistake along with it. Listed below are some wonderful ideas and remarkable ideas for your budget. The referral to Willie Nelson that -incidentally- makes country and western is actually intented to mock Jimmy.

He performs an excellent cover from my tune Kingfisher along with covers of songs through many known songwriters, as well as has great deals of his very own compositions as well. Having said that, when you study to this paragraph, you might end up being much more willing to find out about the spot from the origin from reggae music. Particularly at night, when the abbey is actually settling down, they prepare you for Magnum Silentium, the wonderful muteness, which is the noiseless time in between final as well as first requests meant for peaceful representation as well as deep-seated sleep. Shirley Cason, a New Age keyboardist possesses several gorgeous pieces from loosening up popular music as well as piano solos in mp3 layout totally free download. Songs Minus One works hard to make sure that our experts're the primary selection for players from all genres from songs plus all kinds of equipments through filling plenty of alternatives for every skill as well as every type degree. Whether your youngster is having songs lessons or otherwise, participating in a guitar or otherwise, see to it to attend to your youngster enough of opportunities to pay attention to popular music, and to see people participating in a wide array from tools.

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Weekly Roundup: 7 Superb Stories You Missed This Week

With life’s busy schedule, it’s hard for most of us to dig through all the information thrown our way. Each week we scour the media universe to find the most interesting and helpful articles, so you don’t have to. Take a look at what we’re reading this week.

How to avoid financial infidelity with your partner

Couples fight about money all the time. But if you’re like 71% of these survey respondents, you’ve also lied to your significant other about money or a financial issue. Not only does this create distrust in a relationship, but it also probably doesn’t help the financial problem. Check out this guide to avoiding financial infidelity. (Fox Business)

11 Mother’s Day gifts for ‘mums’ obsessed with the royal family

If your mom is counting down the days until Duchess Meghan gives birth, you need to check out this list. With everything from “royal bingo” to Kate Middleton-approved essential oil, you’ll be sure to make your own queen happy with one of these presents. (PureWow)

Best online grocery delivery services

In this day and age you don’t even have to leave your house to go grocery shopping — so why would you? But before you hit up your go-to delivery service, you may want to compare with other companies. Check out this list that ranks online grocery delivery and can help you save money. (Consumer Reports)

Why do we still use QWERTY keyboards?

The most common layout for English keyboards dates back to the 19th century, but why hasn’t it been updated since then? NPR’s Planet Money investigates the economic lessons we can learn from our reliance on QWERTY. (NPR)

10 signs you’re more stressed than you think

Typically when we get stressed out, we know it. But sometimes little things could be building up in the recesses of your mind without you realizing that they’re taking a major toll on your mental wellness. Learn how to spot the signs of hidden stress and how to tackle it. (Brit + Co.)

What to expect as you’re shopping for a new or used car

If you’re looking to show up to summer with some new wheels, read this guide first. Whether you’re looking for something new or something that’s just new to you, make sure you understand the process and know what to expect. (Yahoo! Finance)

Comma mistakes you might be making

No matter which side of the Oxford comma debate you take, make sure you know how to use this piece of punctuation. Up your grammar game and send expertly styled emails with this explainer on common comma mistakes. (The Everygirl)

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.500% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.500% APR assumes current 1 month LIBOR rate of 2.50% plus 0.00% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.50% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 17, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 04/17/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on our student loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 4.25% per year to 6.25% per year for a 7-year term, 4.55% per year to 6.65% per year for a 10-year term, 4.85% per year to 7.05% per year for a 15-year term, or 5.30% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 4.25% per year to 6.25% per year for a 7-year term would be from $137.84 to $147.29. The monthly payment for a sample $10,000 loan at a range of 4.55% per year to 6.65% per year for a 10-year term would be from $103.88 to $114.31. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 7.05% per year for a 15-year term would be from $78.30 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.27% per year for a 20-year term would be from $67.66 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 2.75% per year to 6.30% per year for a 5-year term, 4.00% per year to 6.35% per year for a 7-year term, 4.25% per year to 6.40% per year for a 10-year term, 4.50% per year to 6.65% per year for a 15-year term, or 4.75% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.25% to 3.80% for the 5-year term loan, 1.50% to 3.85% for the 7-year term loan, 1.75% to 3.90% for the 10-year term loan, 2.00% to 4.15% for the 15-year term loan, and 2.25% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 2.75% per year to 6.30% per year for a 5-year term would be from $178.58 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.00% per year to 6.35% per year for a 7-year term would be from $136.69 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.25% per year to 6.40% per year for a 10-year term would be from $102.44 to $113.04. The monthly payment for a sample $10,000 loan at a range of 4.50% per year to 6.65% per year for a 15-year term would be from $76.50 to $87.94. The monthly payment for a sample $10,000 loan at a range of 4.75% per year to 6.90% per year for a 20-year term would be from $64.62 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

All credit products are subject to credit approval.

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.49% effective March 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of April 1, 2019, the one-month LIBOR rate is 2.50%. Variable interest rates range from 3.00% – 9.74% (3.00% – 9.74% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89% – 9.99% (3.89% – 9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.50% – 7.27%1Undergrad & Graduate

Visit Earnest

2.50% – 7.12%3Undergrad & Graduate

Visit SoFi

2.81% – 8.79%4Undergrad & Graduate

Visit Lendkey

2.50% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.55% – 7.12%5Undergrad & Graduate

Visit CommonBond

3.00% – 9.74%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

The post Weekly Roundup: 7 Superb Stories You Missed This Week appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/weekly-roundup-42/

[aaltjebarisca]

Weekly Roundup: 7 Superb Stories You Missed This Week

With life’s busy schedule, it’s hard for most of us to dig through all the information thrown our way. Each week we scour the media universe to find the most interesting and helpful articles, so you don’t have to. Take a look at what we’re reading this week.

How to avoid financial infidelity with your partner

Couples fight about money all the time. But if you’re like 71% of these survey respondents, you’ve also lied to your significant other about money or a financial issue. Not only does this create distrust in a relationship, but it also probably doesn’t help the financial problem. Check out this guide to avoiding financial infidelity. (Fox Business)

11 Mother’s Day gifts for ‘mums’ obsessed with the royal family

If your mom is counting down the days until Duchess Meghan gives birth, you need to check out this list. With everything from “royal bingo” to Kate Middleton-approved essential oil, you’ll be sure to make your own queen happy with one of these presents. (PureWow)

Best online grocery delivery services

In this day and age you don’t even have to leave your house to go grocery shopping — so why would you? But before you hit up your go-to delivery service, you may want to compare with other companies. Check out this list that ranks online grocery delivery and can help you save money. (Consumer Reports)

Why do we still use QWERTY keyboards?

The most common layout for English keyboards dates back to the 19th century, but why hasn’t it been updated since then? NPR’s Planet Money investigates the economic lessons we can learn from our reliance on QWERTY. (NPR)

10 signs you’re more stressed than you think

Typically when we get stressed out, we know it. But sometimes little things could be building up in the recesses of your mind without you realizing that they’re taking a major toll on your mental wellness. Learn how to spot the signs of hidden stress and how to tackle it. (Brit + Co.)

What to expect as you’re shopping for a new or used car

If you’re looking to show up to summer with some new wheels, read this guide first. Whether you’re looking for something new or something that’s just new to you, make sure you understand the process and know what to expect. (Yahoo! Finance)

Comma mistakes you might be making

No matter which side of the Oxford comma debate you take, make sure you know how to use this piece of punctuation. Up your grammar game and send expertly styled emails with this explainer on common comma mistakes. (The Everygirl)

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.500% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.500% APR assumes current 1 month LIBOR rate of 2.50% plus 0.00% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.50% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 17, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 04/17/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on our student loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 4.25% per year to 6.25% per year for a 7-year term, 4.55% per year to 6.65% per year for a 10-year term, 4.85% per year to 7.05% per year for a 15-year term, or 5.30% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 4.25% per year to 6.25% per year for a 7-year term would be from $137.84 to $147.29. The monthly payment for a sample $10,000 loan at a range of 4.55% per year to 6.65% per year for a 10-year term would be from $103.88 to $114.31. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 7.05% per year for a 15-year term would be from $78.30 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.27% per year for a 20-year term would be from $67.66 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 2.75% per year to 6.30% per year for a 5-year term, 4.00% per year to 6.35% per year for a 7-year term, 4.25% per year to 6.40% per year for a 10-year term, 4.50% per year to 6.65% per year for a 15-year term, or 4.75% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.25% to 3.80% for the 5-year term loan, 1.50% to 3.85% for the 7-year term loan, 1.75% to 3.90% for the 10-year term loan, 2.00% to 4.15% for the 15-year term loan, and 2.25% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 2.75% per year to 6.30% per year for a 5-year term would be from $178.58 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.00% per year to 6.35% per year for a 7-year term would be from $136.69 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.25% per year to 6.40% per year for a 10-year term would be from $102.44 to $113.04. The monthly payment for a sample $10,000 loan at a range of 4.50% per year to 6.65% per year for a 15-year term would be from $76.50 to $87.94. The monthly payment for a sample $10,000 loan at a range of 4.75% per year to 6.90% per year for a 20-year term would be from $64.62 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

All credit products are subject to credit approval.

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.49% effective March 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of April 1, 2019, the one-month LIBOR rate is 2.50%. Variable interest rates range from 3.00% – 9.74% (3.00% – 9.74% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89% – 9.99% (3.89% – 9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.50% – 7.27%1Undergrad & Graduate

Visit Earnest

2.50% – 7.12%3Undergrad & Graduate

Visit SoFi

2.81% – 8.79%4Undergrad & Graduate

Visit Lendkey

2.50% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.55% – 7.12%5Undergrad & Graduate

Visit CommonBond

3.00% – 9.74%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

The post Weekly Roundup: 7 Superb Stories You Missed This Week appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/weekly-roundup-42/

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Weekly Roundup: 7 Superb Stories You Missed This Week

With life’s busy schedule, it’s hard for most of us to dig through all the information thrown our way. Each week we scour the media universe to find the most interesting and helpful articles, so you don’t have to. Take a look at what we’re reading this week.

How to avoid financial infidelity with your partner

Couples fight about money all the time. But if you’re like 71% of these survey respondents, you’ve also lied to your significant other about money or a financial issue. Not only does this create distrust in a relationship, but it also probably doesn’t help the financial problem. Check out this guide to avoiding financial infidelity. (Fox Business)

11 Mother’s Day gifts for ‘mums’ obsessed with the royal family

If your mom is counting down the days until Duchess Meghan gives birth, you need to check out this list. With everything from “royal bingo” to Kate Middleton-approved essential oil, you’ll be sure to make your own queen happy with one of these presents. (PureWow)

Best online grocery delivery services

In this day and age you don’t even have to leave your house to go grocery shopping — so why would you? But before you hit up your go-to delivery service, you may want to compare with other companies. Check out this list that ranks online grocery delivery and can help you save money. (Consumer Reports)

Why do we still use QWERTY keyboards?

The most common layout for English keyboards dates back to the 19th century, but why hasn’t it been updated since then? NPR’s Planet Money investigates the economic lessons we can learn from our reliance on QWERTY. (NPR)

10 signs you’re more stressed than you think

Typically when we get stressed out, we know it. But sometimes little things could be building up in the recesses of your mind without you realizing that they’re taking a major toll on your mental wellness. Learn how to spot the signs of hidden stress and how to tackle it. (Brit + Co.)

What to expect as you’re shopping for a new or used car

If you’re looking to show up to summer with some new wheels, read this guide first. Whether you’re looking for something new or something that’s just new to you, make sure you understand the process and know what to expect. (Yahoo! Finance)

Comma mistakes you might be making

No matter which side of the Oxford comma debate you take, make sure you know how to use this piece of punctuation. Up your grammar game and send expertly styled emails with this explainer on common comma mistakes. (The Everygirl)

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees  Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.500% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.500% APR assumes current 1 month LIBOR rate of 2.50% plus 0.00% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.50% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 17, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 04/17/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on our student loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 4.25% per year to 6.25% per year for a 7-year term, 4.55% per year to 6.65% per year for a 10-year term, 4.85% per year to 7.05% per year for a 15-year term, or 5.30% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 4.25% per year to 6.25% per year for a 7-year term would be from $137.84 to $147.29. The monthly payment for a sample $10,000 loan at a range of 4.55% per year to 6.65% per year for a 10-year term would be from $103.88 to $114.31. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 7.05% per year for a 15-year term would be from $78.30 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.27% per year for a 20-year term would be from $67.66 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 2.75% per year to 6.30% per year for a 5-year term, 4.00% per year to 6.35% per year for a 7-year term, 4.25% per year to 6.40% per year for a 10-year term, 4.50% per year to 6.65% per year for a 15-year term, or 4.75% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.25% to 3.80% for the 5-year term loan, 1.50% to 3.85% for the 7-year term loan, 1.75% to 3.90% for the 10-year term loan, 2.00% to 4.15% for the 15-year term loan, and 2.25% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 2.75% per year to 6.30% per year for a 5-year term would be from $178.58 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.00% per year to 6.35% per year for a 7-year term would be from $136.69 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.25% per year to 6.40% per year for a 10-year term would be from $102.44 to $113.04. The monthly payment for a sample $10,000 loan at a range of 4.50% per year to 6.65% per year for a 15-year term would be from $76.50 to $87.94. The monthly payment for a sample $10,000 loan at a range of 4.75% per year to 6.90% per year for a 20-year term would be from $64.62 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

All credit products are subject to credit approval.

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.49% effective March 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of April 1, 2019, the one-month LIBOR rate is 2.50%. Variable interest rates range from 3.00% – 9.74% (3.00% – 9.74% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89% – 9.99% (3.89% – 9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.50% – 7.27%1Undergrad & Graduate

Visit Earnest

2.50% – 7.12%3Undergrad & Graduate

Visit SoFi

2.81% – 8.79%4Undergrad & Graduate

Visit Lendkey

2.50% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.55% – 7.12%5Undergrad & Graduate

Visit CommonBond

3.00% – 9.74%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

The post Weekly Roundup: 7 Superb Stories You Missed This Week appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/weekly-roundup-42/

[professorexcel]

Equal-Plus in Excel: Why You Should Not Start a Formula With “=+”

You’ve probably seen it already: Starting a formula in Excel with “=+” (equal-plus) instead of just equal. So why do people use the “=+” instead of just “=”? Is there any meaning? This article describes the background of the equal-plus signs, the advantages and disadvantages.

What does the equal-plus sign mean?

If you type +A1, Excel automatically adds the equal sign.

Lotus 1-2-3 is a spreadsheet program and according to Wikipedia, it “was the IBM PC’s first killer application”. However, the last version was published in 2003 and support ended in 2014. Entering formulas or values in Lotus 1-2-3 you could use the “+”-sign instead of “=” like in Excel. In order to welcome Lotus 1-2-3 users, Excel tolerated entering formulas just using the “+”-sign. It automatically adds the “=”-sign before so that formulas are converted. The “+”-sign stays.

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  Advantages and disadvantages of the =+-sign

First of all: There is no harm of the =+-sign in the beginning of an Excel formula. With that in mind, let’s talk about advantages and disadvantages of using equal-plus instead of just equal for Excel formulas and calculations.

  Advantages

The = and + signs on the US keyboard layout.

Lotus 1-2-3 users don’t have to change their behavior of entering formulas in Excel.

The “+”-sign is also located on the number pad like on the image on the right-hand side. So if your hand is there you don’t have to move over to the letters.

The additional “+”-sign has no significant impact on the calculation performance. Same counts for the file size.

  Disadvantages

It makes formulas slightly longer and therefore more difficult to read.

It could confuse other users who don’t know the details about “=+”-sign as you do now.

If you following the basic rules of model-building, you either type values directly into the cell (with no calculation). You don’t do calculation with values inside a cell, instead you properly label input cells and link to them. For example, you don’t write =12,3+32,1. Instead, you set up two cell, each of them having one value. In a third cell, you do the calculation with the input values, e.g. =A2+A3. That means, you never need an equal or plus sign on the number pad. Instead, you rather need letters to start typing formulas or brackets. Because of that, the equal sign should be faster to reach because (on the US keyboard layout) it’s located next to the backspace without pressing Shift. So it’s faster typing “=” instead of “+”. There is one exception: For different keyboard layout, often the equal and the plus-signs are in different positions. For instance, the German keyboard layout requires to hold the Shift key for typing “=” whereas the “+”-sign doesn’t.

It looks – and this is my personal opinion – “dirty”.

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  Don’t mix =+ (equal-plus) up with – – (double minus)

Maybe it sounds similar, but the equal-plus sign for starting a formula in Excel doesn’t have anything to do with the double minus sign. The double negative converts TRUE and FALSE in formulas to the number 0 for FALSE and 1 for TRUE. When do you need that? For example in the SUMPRODUCT formula (please refer to this article for more information).

  How to get rid of the equal-plus sign

Clean all Excel formulas with ‘Professor Excel Tools’.

There are two methods to remove all “=+”-signs in Excel.

Use the replace function. Press Ctrl + H on the keyboard to open the Replace window. Now replace =+ by just =. You can further set the scope to the complete workbook. One word of caution: This method removes all =+-sign, also within text cells.

Use Professor Excel Tools. Our popular Excel add-in has a function to clean all formulas. It replaces all “=+” by “=” and also can remove all sheet names within formulas, if the formula refers to the own worksheet. It’s very convenient, because it only regards formula cells.

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Summary and my opinion

Although the “=+”-sign doesn’t harm and doesn’t have any special meaning, there is no real advantage of using the “+”-sign to type a formula in Excel. Instead, there are minor disadvantages of the equal-plus version of formulas in Excel. And – and that’s my personal opinion on that matter – it looks dirty is just unnecessary…

When I receive an Excel file containing formulas with equal-plus signs, I usually have the following thoughts: Someone wants to show that he or she is an Excel expert by not using the “normal” way of typing formulas but rather using the more complicated way. Unfortunately, I get the opposite impression. The author of the Excel file didn’t use the simple way but rather the dirty, more complicated way. That’s not good for an Excel file.

  What do you think? What is your opinion about the =+-characters at the beginning of an Excel formula?

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Der Beitrag Equal-Plus in Excel: Why You Should Not Start a Formula With “=+” erschien zuerst auf Professor Excel.

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from BE Themeson – News around Themeson https://iamatestsite.xyz/2017/06/23/font-icomoon/

[datawiresolutions]

Legacy Audio Powerbloc2 and Powerbloc4 Amplifiers Review

Audio Performance Features Ergonomics Value

PRICE $1,800, $2,950

AT A GLANCE Plus High power in compact, Class D package Dynamic, uncolored sound Runs relatively cool Minus Channel configurations not ideal for typical surround layouts

THE VERDICT All the power most will ever need, with the sound quality you want in a slim, cool-running package.

Power amplifiers are God’s gift to the long-suffering audio reviewer, his (or her) compensation for all those A/V receivers, smart-streamers, net-connected speakers, and assorted other CPU-centric components that gray and thin our hair. No arcane MAC or IP addresses for the power amp; no obfuscatory wireless setup routines, stubbornly mute computer connections for auto-EQ procedures, or HDMI ports that refuse to shake hands with other HDMI ports. Whatever its provenance, the power amp demands little more than audio inputs, speaker outputs, and a power cord and calls it good.

from Data Wire Solutions News Feed http://ift.tt/2sIoSjf