Existence – Ateistet http://ateistet.org/ Tue, 17 Aug 2021 14:16:07 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://ateistet.org/wp-content/uploads/2021/07/icon-150x150.png Existence – Ateistet http://ateistet.org/ 32 32 Should You Get a Home Equity Loan for Debt Consolidation? https://ateistet.org/should-you-get-a-home-equity-loan-for-debt-consolidation/ https://ateistet.org/should-you-get-a-home-equity-loan-for-debt-consolidation/#respond Thu, 12 Aug 2021 13:10:41 +0000 https://ateistet.org/?p=571 Credible Rating Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology. 9.95% – 35.99% APR $2,000 […]]]>


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

9.95% – 35.99% APR $2,000 to $35,000** 550 2, 3, 4, 5*
  • Fixed APR:
    9.95% – 35.99% APR
  • Variable APR:
    N/A
  • Min. credit score:
    550
  • Loan amount:
    $2,000 to $35,000**
  • Loan terms (years):
    2, 3, 4, 5*
  • Time to fund:
    As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)
  • Fees:
    Origination fee
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except CO, IA, HI, VT, NV NY, WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Loan servicer:
    Avant
  • Loan Uses:
    Debt consolidation, emergency expense, life event, home improvement, and other purposes
  • Min. Income:
    $1,200 monthly


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

6.79% – 17.99% APR $5,000 to $35,000 740 1, 2, 3, 4, 5
  • Fixed APR:
    6.79% – 17.99% APR
  • Variable APR:
    N/A
  • Min. credit score:
    740
  • Loan amount:
    $5,000 to $35,000
  • Loan terms (years):
    1, 2, 3, 4, 5
  • Time to fund:
    Next business day
  • Fees:
    No prepayment penalty
  • Discounts:
    None
  • Eligibility:
    Available in all 50 states
  • Customer service:
    Phone
  • Soft credit check:
    Yes
  • Min. Income:
    Does not disclose
  • Loan Uses:
    Debt consolidation, home improvement, self-employment, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

5.99% – 29.99% APR $5,000 to $35,000 600 2, 3, 4, 5
  • Fixed APR:
    5.99% – 29.99% APR
  • Variable APR:
    N/A
  • Min. credit score:
    600
  • Loan amount:
    $2,000 to $50,000
  • Loan terms (years):
    2, 3, 4, 5
  • Time to fund:
    As soon as 1 – 3 business days after successful verification
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Available in all states except DC, IA, VT, and WV
  • Customer service:
    Phone
  • Soft credit check:
    Yes
  • Loan servicer:
    Best Egg
  • Min. Income:
    None
  • Loan Uses:
    Credit card refinancing, debt consolidation, home improvement, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

6.99% – 24.99% APR $2,500 to $35,000 660 3, 4, 5, 6, 7
  • Fixed APR:
    6.99% – 24.99% APR
  • Min. credit score:
    660
  • Loan amount:
    $2,500 to $35,000
  • Loan terms (years):
    3, 4, 5, 6, 7
  • Time to fund:
    As soon as the next business day after acceptance
  • Fees:
    Late fee
  • Discounts:
    None
  • Eligibility:
     Available in all 50 states
  • Customer service:
    Phone
  • Soft credit check:
    Yes
  • Loan Uses:
    Auto repair, credit card refinancing, debt consolidation, home remodel or repair, major purchase, medical expenses, taxes, vacation, and wedding


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

7.99% – 29.99% APR $7,500 to $50,000 Not disclosed by lender 2, 3, 4, 5
  • Fixed APR:
    7.99% – 29.99% APR
  • Min. credit score:
    Does not disclose
  • Loan amount:
    $7,500 to $50,000
  • Loan terms (years):
    2, 3, 4, 5
  • Time to fund:
    As soon as 2 business days
  • Fees:
    Origination fee
  • Discounts:
    No
  • Eligibility:
    Available in all states except CO, CT, HI, KS, NH, NY, ND, OR, VT, WV, WI, and WY
  • Customer service:
    Phone
  • Soft credit check:
    Yes
  • Min. Income:
    None
  • Loan Uses:
    Debt consolidation, home improvement, wedding, travel, medical expenses, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

10.68% – 35.89% APR $1,000 to $40,000 600 3, 5
  • Fixed APR:
    10.68% – 35.89% APR
  • Min. credit score:
    600
  • Loan amount:
    $1,000 to $40,000
  • Loan terms (years):
    3, 5
  • Time to fund:
    Usually takes about 3 days
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Available in all 50 states
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Loan servicer:
    LendingClub
  • Min. Income:
    None
  • Loan Uses:
    Debt consolidation, paying off credit cards, home improvement, pool loans, vacations, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

15.49% – 35.99% APR $2,000 to $36,500 580 2, 3, 4
  • Fixed APR:
    15.49% – 35.99% APR
  • Min. credit score:
    580
  • Loan amount:
    $2,000 to $36,500
  • Loan terms (years):
    2, 3, 4
  • Time to fund:
    As soon as the next business day
  • Fees:
    Origination fee
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except NV and WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    $20,000
  • Loan Uses:
    Home improvement, consolidate debt, credit card refinancing, relocate, make a large purchase, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

2.49% – 19.99% APR $5,000 to $100,000 660 2, 3, 4, 5, 6, 7
(up to 12 years for home improvement loans)
  • Fixed APR:
    2.49% – 19.99% APR
  • Min. credit score:
    660
  • Loan amount:
    $5,000 to $100,000
  • Loan terms (years):
    2, 3, 4, 5, 6, 7*
  • Time to fund:
    As soon as the same business day
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except RI and VT
  • Customer service:
    Phone, email
  • Soft credit check:
    No
  • Loan servicer:
    LightStream
  • Min. Income:
    Does not disclose
  • Loan Uses:
    Credit card refinancing, debt consolidation, home improvement, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

6.99% – 19.99% APR1 $3,500 to $40,0002 660

(TransUnion FICO®️ Score 9) 3, 4, 5, 6, 7
  • Fixed APR:
    6.99% – 19.99% APR1
  • Min. credit score:
    660

    (TransUnion FICO®️ Score 9)
  • Loan amount:
    $3,500 to $40,0002
  • Loan terms (years):
    3, 4, 5, 6
  • Time to fund:
    Many Marcus customers receive funds in as little as three days
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Available in all 50 states
  • Customer service:
    Phone
  • Soft credit check:
    Yes
  • Loan servicer:
    Goldman Sachs
  • Min. Income:
    $30,000
  • Loan Uses:
    Credit card refinancing, debt consolidation, home improvement, major purchase, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

18.00% – 35.99% APR $1,500 to $20,000 None 2, 3, 4, 5
  • Fixed APR:
    18.00% – 35.99% APR
  • Min. credit score:
    None
  • Loan amount:
    $1,500 to $20,000
  • Loan terms (years):
    2, 3, 4, 5
  • Time to fund:
    As soon as the same day, but usually requires a visit to a branch office
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Must have photo I.D. issued by U.S. federal, state or local government
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    Does not disclose


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

5.99% – 17.99% APR $600 to $20,000
(depending on loan term) 670 1, 2, 3, 4, 5
  • Fixed APR:
    5.99% – 17.99% APR
  • Min. credit score:
    670
  • Loan amount:
    $600 to $35,000*
  • Loan terms (years):
    1, 2, 3, 4, 5
  • Time to fund:
    2 to 4 business days after verification
  • Fees:
    None
  • Discounts:
    None
  • Eligibility:
    Does not disclose
  • Customer service:
    Phone, email
  • Soft credit check:
    No
  • Min. Income:
    Does not disclose
  • Loan Uses:
    Debt consolidation, home improvement, transportation, medical, dental, life events


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

6.95% – 35.99% APR $2,000 to $40,000 640 3, 5
  • Fixed APR:
    6.95% – 35.99% APR
  • Min. credit score:
    640
  • Loan amount:
    $2,000 to $40,000
  • Loan terms (years):
    3, 5
  • Time to fund:
    As soon as one business day
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Available in all states except IA, ND, WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    None
  • Loan Uses:
    Debt consolidation, home improvement, vehicles, small business, new baby expenses, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

5.99% – 18.83% APR $5,000 to $100,000 Does not disclose 2, 3, 4, 5, 6, 7
  • Fixed APR:
    5.99% – 18.83% APR
  • Min. credit score:
    Does not disclose
  • Loan amount:
    $5,000 to $100,000
  • Loan terms (years):
    2, 3, 4, 5, 6, 7
  • Time to fund:
    3 business days
  • Fees:
    None
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except MS
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    Does not disclose
  • Loan Uses:
    Solely for personal, family, or household uses


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

8.93% – 35.93% APR7 $1,000 to $50,000 580 3 to 5 years 8
  • Fixed APR:
    8.93% – 35.93% APR7
  • Min. credit score:
    580
  • Loan amount:
    $1,000 to $50,000
  • Loan terms:
    3 to 5 years 8
  • Time to fund:
    Within one day, once approved9
  • Loan types:
    Debt consolidation, pay off credit cards, home improvements, unexpected expenses, home and auto repairs, weddings, and other major purchases
  • Fees:
    Origination fee
  • Discounts:
    Autopay
  • Eligibility:
    A U.S. citizen or permanent resident. Not available in AR, DC, KS, ME, SC, VT, WI, WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

5.94% – 35.97% APR $1,000 to $50,000 580 2, 3, 5, 6
  • Fixed APR:
    5.94% – 35.97% APR
  • Min. credit score:
    580
  • Loan amount:
    $1,000 to $50,000*
  • Loan terms (years):
    2, 3, 5, 6
  • Time to fund:
    Within a day of clearing necessary verifications
  • Fees:
    Origination fee
  • Discounts:
    Autopay
  • Eligibility:
    Available in all states except West Virginia
  • Customer service:
    Email
  • Soft credit check:
    Yes
  • Min. Income:
    Does not disclose
  • Loan Uses:
    Debt consolidation, credit card refinancing, home improvement, and other purposes


Credible Rating



Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.

6.46% – 35.99% APR4 $1,000 to $50,0005 580 3 to 5 years4
  • Fixed APR:
    6.46% – 35.99% APR4
  • Min. credit score:
    580
  • Loan amount:
    $1,000 to $50,0005
  • Loan terms (years):
    3 to 5 years4
  • Time to fund:
    As soon as 1 – 3 business days6
  • Fees:
    Origination fee
  • Discounts:
    None
  • Eligibility:
    Available in all states except IA and WV
  • Customer service:
    Phone, email
  • Soft credit check:
    Yes
  • Min. Income:
    $12,000
  • Loan Uses:
    Payoff credit cards, consolidate debt, take a course or bootcamp, relocate, make a large purchase, and other purposes
Compare rates from these lenders without affecting your credit score. 100% free!
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All APRs reflect autopay and loyalty discounts where available | LightStream disclosure | Read more about Rates and Terms
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5 myths about debt consolidation https://ateistet.org/fast-no-hassle-payday-loans-need-a-payday-loan-fast-payment-no-worries/ https://ateistet.org/fast-no-hassle-payday-loans-need-a-payday-loan-fast-payment-no-worries/#respond Thu, 12 Aug 2021 05:17:35 +0000 https://ateistet.org/5-myths-about-debt-consolidation/ A debt consolidation loan is an option if you want to get rid of your debt. Debt consolidation involves combining several debts into one debt. Here are some popular ways to consolidate debt, in addition to a consolidation loan. There are many pros and cons to debt consolidation, as well as myths. Let’s dispel some myths before […]]]>

A debt consolidation loan is an option if you want to get rid of your debt.

Debt consolidation involves combining several debts into one debt. Here are some popular ways to consolidate debt, in addition to a consolidation loan.

There are many pros and cons to debt consolidation, as well as myths. Let’s dispel some myths before we proceed.

Myth # 1: Debt Consolidation Repays Less Money

Consolidating debt is not debt settlement. A debt settlement is where the consumer agrees to pay less than what he owes. It’s possible to make it sound too good to be true. It can take time to settle a debt. This could seriously affect your credit score and cause you to pay more taxes and fees. There is no guarantee that the final settlement will be less than what you would have paid if it had not been for this.

Consolidating debt does not affect the amount of your current balances. To pay off smaller debts, you simply take out a larger loan.

Myth #2: Consolidating your debt can hurt your credit rating

Your credit rating can drop a few points every time you apply for credit. There is no rate buying window when you apply for debt consolidation loans. Each request will result in a new inquiry on credit reports, which can have the potential to lower your score.

However, the Dedebt consolidation loan does not affect your credit score. Here are the reasons.

Credit scores are based on the following:

  • Your payment history
  • Your credit utilization rate is the amount you owe on credit cards.
  • Your credit mix is the combination of different credit types (credit cards or installment loans, mortgages, etc.).
  • Your credit account’s age
  • How many times you have applied for credit (requests) recently

A debt consolidation loan may be able to increase your credit score in certain cases. This is the most common outcome for those who take out this type of loan to pay off their credit card debt. Your usage rate will decrease when you pay off your credit cards. This is because your revolving debt and not your installment loan debt are considered. Your credit score is affected by your usage, so paying off your card debt could help you improve your score.

You will also see a positive change in your credit score if there was no installment loan on your credit reports before. You could even improve your credit score.

Myth #3: Debt consolidation takes time

Consolidating debt is not difficult. You can consolidate your debt in days if you are eligible for a consolidation loan. The following factors can affect the timeline:

  • Now is the time to explore loan options
  • You can qualify for credit now, or you need to improve your credit score.
  • How fast the lender approves and processes your request
  • The time it takes to receive funds (usually within a day or two of approval).

Myth #4: Debt consolidation is expensive

Consolidating debt is not free. Many lenders charge a setup fee and a lender fee. The interest rates charged by those who don’t charge fees are usually higher than those who do.

Consolidating debts can help reduce overall costs. A personal loan’s interest rate can be lower than that of other debts you wish to consolidate. This is particularly true if you have credit card debt.

Debt consolidation is a smart way to pay off your debt if you do your research on the fees and consolidation loans.

Myth #5: Debt consolidation equals more debt

One of the biggest dangers of consolidating debt is increasing overall debt. This happens when you take out a loan to pay off credit cards, then increase your credit card balance.

This myth can only be broken by you.

Yes, it is possible to add more debt if your credit cards are paid off with a new loan. However, if you have a sound financial plan, it is unlikely that your debt will increase.

It is a great idea to close credit card accounts as soon you have paid them off. It won’t affect your credit score. One, it is better to get out of debt than to protect your short-term credit score. The damage to your credit score is likely to be minimal. While you might lose points if your account age drops, points will be earned when your usage rate falls.

Deleveraging has many benefits that outweigh temporary fluctuations in credit ratings.

Before you apply for a consolidation loan to consolidate your debt, it is important to take a look at the reasons behind your debt. Many people believe that debt is the result a financial situation beyond their control. Sometimes, debt is due to overspending or a poor budgeting system. You will reap the benefits of debt consolidation no matter which category you fall into.

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Sight Magazine – Essay: How Food Waste Helped Us Discover the Existence of a Christian Community in the 12th Century Iberian Peninsula https://ateistet.org/sight-magazine-essay-how-food-waste-helped-us-discover-the-existence-of-a-christian-community-in-the-12th-century-iberian-peninsula/ https://ateistet.org/sight-magazine-essay-how-food-waste-helped-us-discover-the-existence-of-a-christian-community-in-the-12th-century-iberian-peninsula/#respond Fri, 02 Jul 2021 01:15:50 +0000 https://ateistet.org/sight-magazine-essay-how-food-waste-helped-us-discover-the-existence-of-a-christian-community-in-the-12th-century-iberian-peninsula/ July 02, 2021 MARCOS GARCÍA GARCÍA and GUILLERMO GARCÍA-CONTRERAS RUIZ By the 12th century, Cercadilla, a neighborhood outside of Cordoba in southern Spain, was under Islamic control. At that time, populations of Muslim, Christian and Jewish communities lived together in an area known as al-Andalus. There are two dominant schools of thought on how interfaith […]]]>

By the 12th century, Cercadilla, a neighborhood outside of Cordoba in southern Spain, was under Islamic control. At that time, populations of Muslim, Christian and Jewish communities lived together in an area known as al-Andalus.

There are two dominant schools of thought on how interfaith society in al-Andalus operated. The most widely held view, supported by most historians of the time, is that there was no interreligious conflicts in al-Andalus between the three main religious communities. This idea, known as Convivencia (La Coexistence) was first proposed by the Spanish philologist Américo Castro in the 1940s.

Recording of zooarchaeological data. PHOTO: author provided

however, Convivencia has been criticized by a few as an idealized view of a much more complex period of history. This group thinks medieval Spain is the best characterized by conflict rather than cooperation. This idea is supported by written sources which reveal that a large part of the 12th century Christian community in the Islamic Iberian Peninsula would have disappeared as a result of persecution, deportations, emigration or their forced conversion to Islam.

but recent zooarchaeological research (the study of animal remains from archaeological contexts) points to the persistence of some Christians in the area showing that the period was much more complex and cannot simply be characterized as happy coexistence or total conflict.

“[R]recent zooarchaeological research (the study of animal remains from archaeological contexts) points to the persistence of some Christians in the region showing that the period was much more complex and cannot simply be characterized as happy coexistence or total conflict.

Food and identity in al-Andalus
“Tell me what you eat and I’ll tell you who you are.” This saying, attributed to the French jurist Jean Anthelme Brillat-Savarin, highlights the remarkable importance of eating habits in the formation and definition of identity both of individuals at the individual level and of societies at the collective level.

Zooarchaeology contributes to the study of these and other topics from a historical perspective. In general, zooarchaeology deals with the analysis of material remains recovered in garbage dumps, containing food waste linked to domestic environments. For this reason, the material we study contains extremely valuable information about what people have eaten in the past, and much more.

Zooarchaeology is particularly useful for the study of culturally complex societies such as al-Andalus. In addition to the specific beliefs of Muslims, Christians and Jews, membership in each of these ethnoreligious groups depended on the adoption of daily practices. Among these determining habits are the food standards which set out the different approaches followed by each ethnoreligious group concerning animals.



The analysis of food waste could allow us to better understand the socio-cultural identity of groups of people in the past. This is done by assessing the frequency of certain species in the waste. In this regard, the presence of pig remains in the rubbish dumps of medieval Iberia is of particular significance, as pork is prohibited by the religious laws of Muslims and Jews and therefore represents a marker of ethnic identity to medieval times.

It was a research axis that proven useful for identifying cultural identity of those who had eaten the food and created the waste at another site in Cartuja, Granada dating from after the fall of Islamic Iberia.

Cercadilla (Córdoba)
The same research approach was applied to the study of the archaeological site of Cercadilla. Although the history of this site is complex – including a Roman palatial complex reused in medieval times as a Christian burial ground – we have focused on the last phase of occupation of the site during the last period of control. Islamic Cordoba before the Catholics. conquest, which occurred in the year 1236.

Archaeological excavations at this site have provided two samples of animal remains. The first was interpreted as food waste dominated by an overwhelming majority of leftover pigs and, the other, a pierced scallop recovered in a living room.

The high frequency of pork suggests that the pork was eaten on the spot, a behavior that involves a flagrant transgression of the most important Islamic dietary rule. The scallop, on the other hand, has been identified as a piece of material culture linked to the symbolic universe of medieval Christianity given its similarity to those scallop badges usually associated with the pilgrimage to the Sanctuary of Santiago in Santiago de Compostela, in modern northwestern Spain.

Our investigations therefore suggest the persistence of an Andalusian Christian group (also called “Mozarabic”) On the outskirts of Cordoba until the 12th century, challenging the idea that all but a few had disappeared due to persecution, deportation, emigration or their forced conversion to Islam .The conversation

Marcos Garcia Garcia is a postdoctoral researcher at the York University and Guillermo García-Contreras Ruiz is profesor of medieval archeology and posmedieval, at the University of Granada. This article is republished from The conversation under a Creative Commons license. Read it original article.

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New type of illusion tricks your brain to see glittering rays that don’t exist https://ateistet.org/new-type-of-illusion-tricks-your-brain-to-see-glittering-rays-that-dont-exist/ https://ateistet.org/new-type-of-illusion-tricks-your-brain-to-see-glittering-rays-that-dont-exist/#respond Fri, 02 Jul 2021 00:50:31 +0000 https://ateistet.org/new-type-of-illusion-tricks-your-brain-to-see-glittering-rays-that-dont-exist/ The glittering star illusion will cause most people to see shimmering rays of light emanating from the center. Michael Karlovich / Recursia Studios A few years ago, the Internet was unleashed for optical illusions, infamous dress at a cat in the desert. Now there is a new kind of illusion in town. This will make […]]]>

The glittering star illusion will cause most people to see shimmering rays of light emanating from the center.

Michael Karlovich / Recursia Studios

A few years ago, the Internet was unleashed for optical illusions, infamous dress at a cat in the desert. Now there is a new kind of illusion in town. This will make you see shimmering rays of light and will not trigger any #whiteandgold vs. #blueandblack battles.

The “Twinkling star“is an artfully arranged collection of star polygons created by visual artist Michael Karlovich from Recursia Studios and New York University psychology researcher Pascal Wallisch. The duo released a article on illusion this week in the journal i-Perception.

NYU described the star as “a new class of illusion” in a statement Tuesday, saying: “The twinkling star, unlike known visual illusions, evokes a number of newly discovered effects, among which ephemeral illusory lines diagonally connect the dots of intersection of star polygons. ”

The study examined how viewers perceived the illusion and how contrast, line width, and other factors altered the intensity of illusory light beams. “In particular, a large number of prominent intersection points leads to stronger and sharper rays, as there are more clues to indicate the implicit lines,” Wallisch said.

Recursia created a version of the illusion with different colors behind it so you can see for yourself how lighter or darker backgrounds and various hues change your experience.

The twinkling star is a reminder of how our brains interpret imagery. Wallisch described it in a blog post like the brain “connecting the dots” to fill in missing information. “The starburst is not physically present,” Wallisch reminds us.

What’s so compelling about an illusion is that we know it’s not real, but we see it anyway. It’s magic for every day.

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Personal Finances News – Junior Achievement and The Allstate Foundation Launch Courses to Teach Teens About Healthy Financial Relationships | Zoom Fintech https://ateistet.org/personal-finances-news-junior-achievement-and-the-allstate-foundation-launch-courses-to-teach-teens-about-healthy-financial-relationships-zoom-fintech/ https://ateistet.org/personal-finances-news-junior-achievement-and-the-allstate-foundation-launch-courses-to-teach-teens-about-healthy-financial-relationships-zoom-fintech/#respond Thu, 11 Mar 2021 08:11:21 +0000 https://ateistet.org/personal-finances-news-junior-achievement-and-the-allstate-foundation-launch-courses-to-teach-teens-about-healthy-financial-relationships-zoom-fintech/ Personal Finances News – Junior Achievement and the Allstate Foundation launch courses to teach teens about healthy financial relationships COLORADO SPRINGS, Colo., March 3, 2021 / PRNewswire / – Today, Junior Achievement United States (JA) and the Allstate Foundation announced the rollout of new lessons focused on healthy financial relationships for teens with an update […]]]>

Personal Finances News – Junior Achievement and the Allstate Foundation launch courses to teach teens about healthy financial relationships

COLORADO SPRINGS, Colo., March 3, 2021 / PRNewswire / – Today, Junior Achievement United States (JA) and the Allstate Foundation announced the rollout of new lessons focused on healthy financial relationships for teens with an update and expansion of the JA Personal Finance® program.

Designed for high school students, JA Personal Finance enables teens to experience the interrelationship between today’s financial decisions and future financial success. With support from the Allstate Foundation, the original eight sessions of the program have been refreshed with content promoting healthy financial relationships.

“Numerous studies show that money and finances are among the main sources of stress in relationships,” said Jack E. Kosakowski, President and CEO of Junior Achievement United States. “With the support of the Allstate Foundation, the JA Personal Finance The program has been updated to show that financial decisions are not just personal, but interpersonal. The goal is to provide students with the knowledge and skills to promote healthy financial relationships in their lives.

In addition to updating the original eight sessions of the program, three additional new self-guided learning lessons focused on credit, debt management and equity have been added. These lessons will allow high school students to explore how their financial decisions can affect others and provide advice on healthy ways to deal with shared financial decisions and conflict with a partner.

“Financial abuse occurs in almost all domestic violence cases and is often one of the main reasons victims stay or return with their abusive partner,” said Francie Schnipke Richards, vice president of corporate social responsibility and the Allstate Foundation. “Our fifteen-year commitment to disrupting the cycle of violence has taught us that relationship violence can start at a young age. We are proud to team up with Junior Achievement United States to educate young people about healthy financial relationships and to help prevent abusive relationships before they start.

About Junior Achievement USA® (JA)
Junior Achievement is the world’s largest organization dedicated to giving young people the knowledge and skills they need to master their economic success, plan for their future, and make smart academic and economic choices. JA programs are delivered by corporate and community volunteers and provide hands-on, relevant experiences that equip K-12 students with knowledge and skills in financial literacy, work preparation, and entrepreneurship. Today, JA reaches over 3 million students per year in 105 markets across United States, with 5.2 million additional students served by operations in 100 other countries around the world. Junior achievement United States is a member of JA Worldwide. Visit www.ja.org for more information.

About the Allstate Foundation
The Allstate Foundation accelerates positive change by empowering and educating the most vulnerable, inspiring today’s visionaries and promoting community leadership. Since 2005, the Allstate Foundation has invested more than $ 70 million to help give more than 2 million survivors of domestic violence the education and tools to achieve financial independence and build a life free from abuse.

SOURCE Junior Achievement United States

Related links

www.ja.org

Personal Finances News – Junior Achievement and the Allstate Foundation launch courses to teach teens about healthy financial relationships

Tags: Personal finance News

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Why Pay Off Credit Card Debt Before Building An Emergency Fund https://ateistet.org/why-pay-off-credit-card-debt-before-building-an-emergency-fund/ https://ateistet.org/why-pay-off-credit-card-debt-before-building-an-emergency-fund/#respond Thu, 11 Mar 2021 08:11:21 +0000 https://ateistet.org/why-pay-off-credit-card-debt-before-building-an-emergency-fund/ Select’s editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. Editor’s Note: The APYs listed in this article are current at the time of publication. They can fluctuate (up or down) based […]]]>

Select’s editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners.

Editor’s Note: The APYs listed in this article are current at the time of publication. They can fluctuate (up or down) based on changes in the Fed’s rate. CNBC will update as changes are made public.

It is generally a good idea to anticipate the unexpected, whether medical bills, a sudden job loss or immediate auto repair.

Emergencies are inevitable, and once they happen, you’ll want to have the means to cover those expenses and protect yourself from a financial setback. This is why experts advise people to put money aside in a emergency fund, especially when job security is at the forefront of Americans’ concerns.

But while Sallie Krawcheck, co-founder and CEO of the digital investment platform Ellevest, it’s to have a emergency fund fall back, she doesn’t believe it’s worth it delay your credit card debt for.

“My theory comes down to money – saving money,” Krawcheck said CNBC Select. Credit cards charge high interest rates, so cardholders are actually paying to borrow money when they have a balance.

For example, our best credit card with cash back, the Signature Alliant Cashback Visa® credit card, charges a variable APR from 12.24% to 22.24%. For those with average credit, the Capital One® QuicksilverOne® Cash Rewards credit card offers a flat variable APR of 26.99%.

“Every day that your high interest debt goes unpaid, it costs you money – LOTS of money – in interest,” says Krawcheck.

Instead of putting your extra cash in an emergency fund, she suggests that focusing all of this on credit card debt first will save you more money in the long run.

Let’s take a look at a hypothetical example that shows how fast credit cards compound interest increases your unpaid debt:

If you had a credit card balance of $ 6,194 (The average credit card debt of Americans) and were billed at an interest rate of 15.78% (the average credit card APR according to the The most recent data from the Federal Reserve), by paying only $ 200 per month for this debt, it would take you over three years to fully pay off the credit card. During that time, you would spend $ 1,812 on interest only, bringing your total to $ 8,006 ($ 6,194 + $ 1,812).

However, that’s better than the alternative, argues Krawcheck: if you instead used that $ 200 monthly payment to create an emergency fund from scratch in high-yield savings, like the Varo savings account with an APY of 1.21%, three years would net you a total of $ 7,336 less, not to mention that you would still be in debt.

“You might as well take the money you save and throw it out the window,” Krawcheck says.

Plus, paying off your credit card debt improves your credit rating because it lowers your credit utilization rate (CUR). The lower your usage rate, the better your credit score because it shows that you are not using all of your credit and paying it back. Credit usage represents 30%, or one-third, of a credit score on the FICO model.

So while the general rule is to have three to six months of savings before going into debt, remember that the interest will cost you in the meantime.

At the end of the line

While building up an emergency fund might make it look like you’re doing something right, it instills a false sense of momentum if you lose money to interest on your credit card for the next day. do, says Krawcheck. Saving can be important if you’re worried about losing your job and paying for priority invoices, but it will cost you more over time.

To feel a positive momentum when paying off that debt, Krawcheck suggests keeping an index card in your wallet and ticking off when paying off some of the debt. And if you have a sudden emergency, use a credit card to pay it off. This way, you incur high interest on an outstanding balance for a much shorter period.

Don’t miss: 61% of Americans Will Run Out of Emergency Savings by Year’s End: Here’s How to Cut Your Spending Now

Alliant Cashback Visa® Signature credit card and Capital One® QuicksilverOne® Cash Rewards credit card information was independently collected by CNBC and was not reviewed or provided by the issuer prior to publication.

Editorial note: Any opinions, analysis, criticism or recommendations expressed in this article are the sole responsibility of the editorial staff of Select and have not been reviewed, endorsed or otherwise approved by any third party.

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Cash-out refinancing reached their highest level since the financial crisis https://ateistet.org/cash-out-refinancing-reached-their-highest-level-since-the-financial-crisis/ https://ateistet.org/cash-out-refinancing-reached-their-highest-level-since-the-financial-crisis/#respond Thu, 11 Mar 2021 08:11:20 +0000 https://ateistet.org/cash-out-refinancing-reached-their-highest-level-since-the-financial-crisis/ Americans took more money out of their homes through cash refinances in 2020 than in any year since the financial crisis. U.S. homeowners took in $ 152.7 billion in home equity last year, a 42% increase from 2019 and the most since 2007, according to mortgage finance giant Freddie Mac. It was also a successful […]]]>

Americans took more money out of their homes through cash refinances in 2020 than in any year since the financial crisis.

U.S. homeowners took in $ 152.7 billion in home equity last year, a 42% increase from 2019 and the most since 2007, according to mortgage finance giant Freddie Mac. It was also a successful year for mortgage arrangements in general: lenders produced more mortgages than ever in 2020, fueled by about $ 2.8 trillion in refis, according to mortgage data firm Black Knight Inc.

Some borrowers viewed re-withdrawals as a way to protect themselves against an uncertain economy last year. Others wanted to build and redecorate, and being stuck at home gave them time to do the paperwork. Homeowners also had more equity to tap: Although house prices tended to fall during economic downturns, they jumped during the Covid-19 recession.

“The support from home equity is unprecedented in helping to mitigate Covid downgrades,” said Susan Wachter, economist and professor at the University of Pennsylvania. “For those who are in a position to refinance, this is a major source of support.

The median price of the existing rose to around $ 310,000 in December, an increase of nearly 13% from December 2019. The acceleration in price growth has spread beyond cities to suburban and rural areas as Americans reassess where they want to live during and after the pandemic.

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How Wealthy Hospitals Profit From Car Crash Patients https://ateistet.org/how-wealthy-hospitals-profit-from-car-crash-patients/ https://ateistet.org/how-wealthy-hospitals-profit-from-car-crash-patients/#respond Thu, 11 Mar 2021 08:11:20 +0000 https://ateistet.org/how-wealthy-hospitals-profit-from-car-crash-patients/ As part of its registration process, a Catholic hospital in Oklahoma is offering some accident victims a sign waiver stating that they do not want their health plan billed for the care. A patient received the waiver shortly after a car accident in which her head hit the windshield. She said she did not remember […]]]>

As part of its registration process, a Catholic hospital in Oklahoma is offering some accident victims a sign waiver stating that they do not want their health plan billed for the care. A patient received the waiver shortly after a car accident in which her head hit the windshield. She said she did not remember signing the document, but was faced with a lien of $ 34,106.

“The way they run it, you don’t want to use your health insurance because someone else caused it,” said Loren Toombs, an Oklahoma trial attorney who represented the patient. “It’s clearly a business tactic and a huge problem, but it’s not always illegal.”

Hospitals have come under intense scrutiny in recent years for more and more turn to the courts recover unpaid patient bills, even between of the coronavirus pandemic. Hospitals, many of which have received large bailouts last year, used these court rulings to seize patients’ salaries and take their homes.

But less attention has been paid to hospital privilege laws, which many states passed at the turn of the 20th century when less than 10% of Americans had health coverage. The laws were intended to shield hospitals from the burden of caring for uninsured patients and to encourage them to treat those who could not pay upfront.

A century later, hospital liens are most often used to sue the debts of victims of car accidents. The practice can be so lucrative, according to documents and interviews, that some hospitals use outside debt collection companies to search police records for recent accidents to make sure they identify which of their patients might have been in a wreck, so they could sue them with privileges.

Some laws limit the portion of patient payments a hospital can claim, and others only allow nonprofit hospitals to collect their debts in this way. Some states require hospitals to bill accident victims’ health plans rather than using a lien. This approach is considered more user-friendly as patients benefit from the discounts that health plans negotiated on their behalf.

“If there is a patient who has viable coverage from multiple sources, it would be reasonable to ask for payment from the one who is going to pay more,” said Joe Fifer, managing director of the Healthcare Financial Management Association, a commercial group of ‘hospitals. financial officers.

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Six types of auto insurance coverage https://ateistet.org/six-types-of-auto-insurance-coverage/ https://ateistet.org/six-types-of-auto-insurance-coverage/#respond Thu, 11 Mar 2021 08:11:20 +0000 https://ateistet.org/six-types-of-auto-insurance-coverage/ A car insurance can protect you from financial loss if you are involved in an accident. Auto insurance policies consist of several types of coverage, often six in total. Depending on the state you live in, some of these coverages may be mandatory, while others will be optional. Key points to remember Auto insurance can […]]]>

A car insurance can protect you from financial loss if you are involved in an accident. Auto insurance policies consist of several types of coverage, often six in total. Depending on the state you live in, some of these coverages may be mandatory, while others will be optional.

Key points to remember

  • Auto insurance can protect you financially if you are involved in an accident that results in property damage, injury, or the death of another person.
  • Auto insurance policies are made up of different types of coverages that cover different risks.
  • Some types of auto insurance coverage are required by state law, while others are optional.
  • There are also other types of optional coverage that you can consider.

Six Types of Auto Insurance Coverage, Explained

The six main types of auto insurance coverage are:

  • Liability for bodily injury (BI)
  • Civil liability for material damage (DP)
  • Medical Payments or Personal Injury Protection (PIP)
  • Collision
  • Full
  • Underinsured / uninsured motorist

Here’s a closer look at how each works.

Liability insurance for bodily injury (BI)

Personal injury liability insurance is designed to pay for another person’s medical expenses if you injure them in an accident where you are deemed to be at fault. This coverage may apply to you and anyone else listed as a driver on your policy.

Liability insurance for property damage (PD)

Property damage liability insurance also covers you in the event of an accident for which you are responsible. He pays for repairs to the other driver’s vehicle or other property you might damage.

Medical payments or injury protection insurance (PIP)

If you or a passenger in your vehicle is injured in an accident, medical payments or injury protection coverage can help pay the resulting medical bills. This type of coverage can also cover lost wages if you or an injured passenger are unable to work or funeral costs if someone in your vehicle dies as a result of an accident.

Collision coverage

While property damage liability insurance covers damage to someone else’s vehicle or property as a result of an accident, collision coverage pays for damage to your own vehicle or property. This can include damage from a collision with another vehicle or hitting a stationary object, such as a tree or fence.

Full coverage

Full coverage reimburses you for loss, theft or damage to your vehicle caused by anything other than a collision. For example, this can include damage from fire, damage from hail and other falling objects, or damage from animals.

Coverage for underinsured / uninsured motorists

Coverage for underinsured motorists can protect you if you are involved in an accident where the driver at fault does not have sufficient insurance. Uninsured Motorist coverage is intended to protect you if you are involved in an accident with a driver who has no insurance.

If you are financing a vehicle, your lender may require you to purchase collision coverage and / or full coverage and keep it until the loan is paid off.

How Insurance Coverage Requirements Vary By State

Every state except New Hampshire requires that you have both personal injury liability insurance and property damage liability insurance. (New Hampshire drivers must meet certain financial liability requirements to waive liability coverage.)

In other states, there are also minimum amounts for the coverage you must purchase. Liability for bodily injury can have limits of two dollars: one per person and one per accident, while there is only one limit for property damage.

Coverage limits are usually expressed in your insurance policy as a sequence of numbers. So, for example, if your policy has a bodily injury liability limit of $ 25,000 per person, a bodily injury liability limit of $ 50,000 per accident, and a property damage liability limit of $ 25,000, your police would express it as 25/50/25.

It is important to note that the minimum coverage limits are just that: minimums. You can choose to purchase coverage above these limits, and it’s often a good idea.

Whether you are legally required to carry medical / PIP insurance, collision coverage, comprehensive coverage, or underinsured / uninsured motorist coverage depends on your state. And again, the minimum coverage amounts you must have for each may vary.

Other types of optional auto insurance coverage

Depending on the insurance company, you may be able to add other types of auto insurance to your policy in addition to the six listed above.

For example, this can include:

  • Roadside assistance insurance
  • New car replacement cover
  • Gap insurance
  • Towing and labor insurance
  • Rental car reimbursement insurance

There are also scenarios that may require specialized insurance coverage. For example, if you have a classic or old car you may need an insurance policy that takes into account the age, value and how often you drive it. You can also purchase specialized coverage for a vehicle you leave in storage or if you use your car to provide ridesharing services.

What if you don’t have auto insurance?

No matter where you live, it’s illegal to drive a vehicle without auto insurance (or meet financial liability requirements, in the case of New Hampshire. Financial liability laws require you to provide proof that you can pay the damages yourself if you are involved in an accident.)

If you drive without insurance and an accident happens, several things can happen. First, you could be ticketed and / or charged with a traffic violation, according to your state’s laws and depending on the circumstances of the accident. At a minimum, your driver’s license can be suspended or revoked.

In addition, you could be subject to civil action if you are responsible for the accident and cause bodily injury or property damage. Without an insurance policy to pay for the damage, you could be held financially responsible for covering a person’s medical bills and / or repairing their vehicle. Depending on the extent of their injuries or property damage, this could be financially devastating.

Buy auto insurance

If you need auto insurance, it pays to research different companies and policies first. Then get quotes from several insurers. Pay close attention to policies’ bonuses and franchises so that you can make a fair comparison of the costs.

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GFG owner Sanjeev Gupta tries to negotiate a stay on Greensill’s debt https://ateistet.org/gfg-owner-sanjeev-gupta-tries-to-negotiate-a-stay-on-greensills-debt/ https://ateistet.org/gfg-owner-sanjeev-gupta-tries-to-negotiate-a-stay-on-greensills-debt/#respond Thu, 11 Mar 2021 08:11:20 +0000 https://ateistet.org/gfg-owner-sanjeev-gupta-tries-to-negotiate-a-stay-on-greensills-debt/ Sanjeev Gupta’s GFG Alliance is fighting to negotiate a stay on its obligations to Greensill Capital as the collapse of its biggest lender threatens to bring down the metals group. A standstill debt deal with Greensill, who filed for administration on Monday, would help GFG avoid insolvency and avoid a fire sale of assets, according […]]]>

Sanjeev Gupta’s GFG Alliance is fighting to negotiate a stay on its obligations to Greensill Capital as the collapse of its biggest lender threatens to bring down the metals group.

A standstill debt deal with Greensill, who filed for administration on Monday, would help GFG avoid insolvency and avoid a fire sale of assets, according to people familiar with the matter, who asked not to be named because the talks are private. Gupta is separately seeking to raise new financing to replace Greensill’s loans, they said.

The abrupt collapse of Lex Greensill’s activity shut down funds managed by Credit Suisse Group AG and forced Japan’s SoftBank Group Corp. to write down its $ 1.5 billion investment in the supply chain finance company. Now that risks bringing GFG down, with governments from London to Paris monitoring the threat to 35,000 jobs at a company that ranges from steel to renewables.

In the UK, Prime Minister Boris Johnson’s administration is in constant contact with Gupta’s steel division about the impact on UK factories and jobs, a person familiar with the matter said. GFG employs around 5,500 people across the UK, including at an aluminum smelter in Scotland. In France, Finance Minister Bruno Le Maire said the government would support GFG employees and its industrial sites if Greensill’s difficulties put them at risk.

GFG “began to default” after Greensill stopped loaning to the group in early March, according to court documents. Greensill’s exposure to the metals group was $ 5 billion, one of the people said.

British unions met with GFG executives on Tuesday amid fears of job losses in the Gupta empire. The former India-born commodities trader had previously been called the “savior of steel” for his tendency to buy unloved factories and foundries. GFG, a loose group of companies it owns, spans 30 countries.

“Although Greensill’s difficulties have created a difficult situation, we have adequate funding for our current needs,” GFG said in an emailed statement, adding that attempts to secure alternative funding “will take some time. time to organize “.

Read more: GFG ready for crucial talks with unions as pressure mounts on Gupta

Negotiations on debt relief may not result in a deal, the people said. Grant Thornton’s partners were named joint Greensill directors on Monday.

A spokesperson for Grant Thornton declined to comment.

The collapse of Lex Greensill’s eponymous company cast a shadow over the business of Gupta, which was heavily dependent on its funding for a wave of acquisitions of $ 6 billion over five years. In Monday’s court filing, Greensill said its biggest client by value had fallen into “serious financial difficulty” and warned last month it was risking insolvency without its funding.

The news Greensill tabled for administration is “of great concern to unions and the workforce,” said a spokesperson for the UK’s National Trade Union Steel Coordinating Committee. “The government must play an active role in facilitating a comprehensive solution. “

The Australian Workers’ Union has met with management of the GFG steelworks in Whyalla, South Australia on an ongoing basis, National Secretary Daniel Walton said in an emailed statement.

GFG took ownership of Whyalla in 2017 with a bold plan to increase production and invest in renewables to lower energy costs. Steel mills are now profitable and the global outlook for steel demand is good, Walton said.

A spokeswoman for Australian Industry Minister Karen Andrews said the government was “monitoring the situation closely” but declined to comment further on the potential impact of Greensill’s difficulties.

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