The Progressive People’s Party (PPP) has announced to all members and the general public that the party is ready for eligible persons to demonstrate interest in becoming the presidential candidate for the 2020 general election, since it does not expect the party’s founder, Dr Papa Kwesi Nduom, to put in a bid.
All interested contenders are encouraged to express their interest publicly and on the party’s various platforms.
The party said an expedited, virtual selection process has been adopted for this exercise.
“We urge all card-bearing members in good standing, to take advantage of this opportunity to test the waters, determine their competitive standing and check the general public’s reactions to their potential candidature”, a statement signed by Papa Kow Ackon, National Secretary said.
“We also wish to state that we do not expect Dr Papa Kwesi Nduom to become the party’s presidential candidate for the 2020 elections. Therefore, the field is wide open for all interested contenders to demonstrate the formidability of the party, in restoring Ghana’s hope and glory”.
The PPP said it “has earned the most votes at the presidential and parliamentary levels only behind the duopoly, since 2012, when the party was formed”.
“We are determined to improve upon this past performance, as we batten down, ready to form the next government and be represented in parliament.”
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Регулирование и защита потребителей: Законы, регулирующие выдачу платных кредитов в США.
Payday loans – это форма краткосрочного необеспеченного заимствования, которая обычно предполагает получение небольших сумм денег на срок от двух до четырех недель. Эти кредиты предназначены для преодоления разрыва между неотложными финансовыми потребностями и моментом получения следующей зарплаты. Частым примером является ситуация, когда человеку нужны быстрые деньги для оплаты неожиданного счета или неотложных расходов до получения следующей зарплаты.
В США правила предоставления платных кредитов варьируются от штата к штату: в одних штатах нет ограничений на процентные ставки и условия кредитования, а в других действуют более строгие правила. В целом, кредиторы “payday” должны соблюдать Закон о правдивом кредитовании (TILA), который обязывает их раскрывать все комиссии и сборы, связанные с кредитом, до его выдачи. Кроме того, на них распространяется правило Бюро по защите прав потребителей (CFPB) о несправедливой и обманчивой практике, которое запрещает кредиторам использовать нечестные преимущества потребителей с помощью скрытых положений или двусмысленных формулировок в договорах. Это включает в себя уведомление заемщиков, если они не соблюдают сроки платежей или если их платежи приведут к дополнительным комиссиям и штрафам.
CFPB также требует, чтобы кредиторы payday предоставляли разъяснения о потенциальных рисках, связанных с этим видом кредитования, таких как высокие процентные ставки, длительные периоды погашения или штрафы за просрочку платежей. В дополнение к этим мерам защиты прав потребителей, многие штаты приняли собственные законы, регулирующие практику кредитования payday, такие как ограничение процентных ставок на уровне 36% годовых или установление лимитов на сумму, которую можно занять за один раз.
Обеспечивая понимание заемщиками того, на что они соглашаются, когда берут кредит до зарплаты, и обеспечивая защиту от хищнической практики, такой как непомерно высокие процентные ставки, законы, регулирующие кредиты до зарплаты, помогают обезопасить потребителей и в то же время дают им доступ к быстрым наличным в трудные времена
Финансовое образование и ресурсы: Как избежать ловушки платного кредита и повысить финансовую грамотность.
Платежные кредиты могут показаться быстрым и легким решением финансовых трудностей, но они сопряжены с риском высоких процентных ставок, которые могут затянуть вас в долговую ловушку. Компании, предоставляющие кредиты до зарплаты, могут рекламировать свои услуги как идеальный способ выйти из затруднительной финансовой ситуации, но они часто не упоминают о потенциальных подводных камнях.
Лучший способ избежать попадания в ловушку платных кредитов – это хорошая финансовая грамотность. Знание того, как составлять бюджет и понимать, какие ресурсы доступны для управления долгом, может помочь вам принимать обоснованные решения в отношении ваших финансов. Вот несколько советов по развитию хороших финансовых привычек:
1. Разработайте бюджет: Отслеживание того, куда уходят ваши деньги каждый месяц, является ключом к пониманию ваших привычек расходования средств. Бюджет поможет вам определить области, где вы можете сэкономить деньги, и расставить приоритеты при оплате счетов и других расходов.
2. Используйте бесплатные ресурсы: Существует множество бесплатных онлайн-инструментов, которые могут помочь в составлении бюджета, например, Mint или Personal Capital. Воспользуйтесь этими ресурсами, чтобы оставаться организованным и следить за своими финансами без необходимости платить дополнительные комиссии или сборы.
3. Разберитесь в кредитных картах: Кредитные карты дают преимущества при правильном использовании, но важно понимать условия и положения, связанные с ними, прежде чем подписывать договор или часто пользоваться ими. Внимательно изучите все соответствующие документы и отслеживайте любые изменения в условиях и комиссиях, чтобы в дальнейшем не оказаться в затруднительном положении.
4. Установите очередность платежей: Убедитесь, что все основные счета (такие как арендная плата, коммунальные услуги и т.д.) оплачены.) выплачиваются в первую очередь, прежде чем заботиться о каких-либо дополнительных расходах или выплатах по долгам каждый месяц – это предотвратит начисление штрафов за просрочку платежей по этим более важным статьям и даст вам время разобраться с другими долгами или расходами, если это возможно в установленные сроки, разрешенные кредиторами/займодавцами/агентствами/и т.д..
5. При необходимости обратитесь за помощью: Если вы столкнулись с финансовыми трудностями, несмотря на соблюдение бюджета и использование бесплатных ресурсов, не бойтесь обратиться за профессиональным советом к квалифицированным кредитным консультантам, которые могут дать совет, специально предназначенный для того, чтобы помочь людям справиться с их конкретными обстоятельствами более эффективно, чем общие советы, найденные в Интернете, как правило, по крайней мере, в целом в большинстве случаев, основанных на эмпирических данных, собранных за прошедшее время..
Следуя этим советам, вы вооружитесь знаниями о том, как лучше управлять своими финансами, не полагаясь на кредиты, которые потенциально могут привести к дальнейшим неприятностям в будущем, в основном из-за того, что вы не воспользовались всеми преимуществами заранее на ранних стадиях, чтобы развить лучшие навыки рационального управления финансами и т.д….
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