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How to Weigh the Pros and Cons of Online Loans

Note that the situation for student loans has changed due to the impact of the coronavirus outbreak and relief efforts from the government and many lenders. Check out our Student Loan Hero Coronavirus Information Center for additional news and details.

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Whether you use a budget-tracking app or deposit checks to your bank account through your phone, chances are you’ve moved at least some of your financial life online. So if you’re looking to borrow money, you might wonder: Should you consider online loan lenders?

Online loans can be a good way of securing needed cash. But before you act, here are some pros and cons of online loans, as well as tips on securing a loan via the internet.

Pros and cons of online loans

Online personal loans may be taken out for a number of reasons, including consolidating debt, making home improvements, paying for a special

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8 Tips to Make the Most Out of Online Therapy

As coronavirus deaths surge past 100,000 and quarantine continues, our collective mental health is suffering. Millions of Americans are stuck at home, struggling with anxiety, depression, relationship difficulties, loneliness, and the various symptoms of economic reversal. In search of help and unable to go to traditional routes, Americans are flocking to online and app-based therapy solution. Subscriptions for teletherapy apps and services like Talkspace and BetterHelp, which match appropriate mental health professionals with clients via video conference, phone, and text message, have been surging. 

To go without proper mental health counseling is to neglect oneself. Teletherapy is a worthy option in our socially distant times. But the experience of the virtual doctor’s office is different from the physical one. And understanding the various differences between the forms of therapy — and what you can do to make a smooth transition — is essential. 

“It can take some adjustment,” says Dr.

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An Online Bank With a Full Range of Products

Ally Bank has been around for over a century — but you probably didn’t hear about it until the last decade.

The bank started out in 1919 as GMAC, General Motors’ finance division. But in 2009, the company rebranded as Ally Bank, an online-only banking institution that offers everything from checking and savings accounts to home and auto loans to investment accounts.

Our in-depth Ally Bank review paints a full picture of the institution but specifically focuses on its checking and savings accounts. This review also includes information about Ally’s money market accounts, CDs, loans and investment options, as well as a review of Ally’s mobile app, level of convenience and customer service.

In this review:

What Is Ally Bank?

Ally Bank is an FDIC-insured online-only banking institution offering an array of accounts, including its Online Savings and Interest Checking. You can also open a Money Market account or invest

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The Best Movies Available to Watch for Free Online

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With HBO Max having launched in May and NBCUniversal’s Peacock looking to enter living rooms in July, the number of streaming platforms for consumers to choose from continues to multiply. It can be easy to get lost in that shuffle and forget that there are a vast number of films that are already available to watch online without any cost of admission at all. Services like YouTube and Tubi have quietly accrued brimming libraries with the only cost being an occasional ad break and a sturdy internet connection. These include classics that have entered the public domain, like Orson Welles’ “The Stranger” and Stanley Donen’s “Charade.” Some newer films are simply available through licensing agreements, parts of a cycle of free content to get to before they expire and are replaced by other films.

As these libraries continue to fluctuate, it’s easy to

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USC reverses robust fall reopening plans, asks students to stay home for online classes

USC students are being asked to stay home and continue their education online in the fall amid the coronavirus crisis. <span class="copyright">(Al Seib / Los Angeles Times)</span>
USC students are being asked to stay home and continue their education online in the fall amid the coronavirus crisis. (Al Seib / Los Angeles Times)

Amid the alarming surge in coronavirus spread, USC announced it will no longer bring all undergraduates back to campus for the fall semester and will move to mainly online classes, reversing an earlier decision to welcome students back for a hybrid model.

The decision, announced by Provost Charles Zukoski late Wednesday, came the same day Gov. Gavin Newsom announced tougher restrictions on indoor activities. Zukoski recommended that students not return to campus for the semester and instead continue their education online.

“The once-in-a-century COVID-19 pandemic has altered every aspect of our lives — the way we interact, work, and socialize — and with each new permutation of the pandemic, we must find ways to thrive,” Zukoski wrote.

“Given the continuing safety restrictions and limited

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US Senate panel OKs online child protection bill amid privacy fears

Washington (AFP) – A US Senate panel Thursday approved legislation aimed at combatting online child exploitation as civil liberties activists warned the measure could lead to an array of constitutional and privacy problems.

The Judiciary Committee voted to approve a revised version of the Earn It Act which would eliminate “blanket liability protection” for online platforms which fail to protect against child sexual abuse material.

The bill, which needs approval by the full Senate and House of Representatives, is among the first to chip away at the liability shield for internet services — under a law known as Section 230 — which has come under renewed scrutiny in recent months.

Backers of the bill say it would provide incentives to crack down on online child abuse and exploitation, but critics say it could shut down constitutionally protected free speech and open up online firms to endless litigation.

“To all the

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How online shoppers have lost millions to fraud during the pandemic: ‘You have enormous vulnerability’

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Make online shopping a safe experience for the whole family. (Photo: Getty Images)
Make online shopping a safe experience for the whole family. (Photo: Getty Images)

It’s another Saturday afternoon during the global pandemic, and you’re back on Amazon, filling your cart with household items and groceries. You haven’t been able to make your typical Target and Walmart runs lately, so you’re stocking up virtually instead.

Online shopping: everyone does it so it’s pretty harmless, right? Well, not always. Fraud is a possibility any time you shop online, according to Experian. And during a worldwide pandemic or even the holiday season, you’re especially vulnerable to hackers, phishers, and identity thieves. Covid-related fraud has already robbed a cumulative $13.4 million from unsuspecting Americans, according to the Federal Trade Commission.

That’s

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Fake reviews should stay online, researchers say. I’m not so sure

Perhaps it was inevitable that in this strange era of “alternative facts” and fake claims of “fake news,” someone would make the case for why bogus online reviews are a good thing.

Still, that anyone would make such an argument is jarring, especially when it comes from scholars writing in an academic journal.

The study is titled, “A Tangled Web: Should Online Review Portals Display Fraudulent Reviews?” It was published recently in the journal Information Systems Research.

The key finding, says Beibei Li, an associate professor of information technology and management at Carnegie Mellon University, is that consumers place greater trust in websites “that display fraudulent reviews alongside nonfraudulent reviews.”

Which is to say, the presence of fake reviews enhances the value of honest reviews.

To which I and perhaps many others respond, “Huh?”

“At first, we also thought it was crazy that people would want to see the dark

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Sellfy is turn-key Ecommerce for creators who want online sales fast and hassle-free

TLDR: Sellify offers an ecommerce website that’s available in 5 minutes and all the infrastructure to start selling and shipping all of your digital and physical products with ease.

Creators create. It’s right there in the word. It’s what they do. Whether they’re creating an ebook, music, a video or even a physical product, the time and attention of a creator often wants to be focused on that creative muse. It’s that same drive that likely kickstarted the whole project in the first place.

What they don’t want is to get bogged down with the minutia and tech issues often involved with ultimately selling their product online. That’s the business stuff — and it often holds significantly less appeal. Beyond getting paid, of course.

For nearly a decade, Sellfy has flown the flag for the digital creator, offering turn-key online sales solutions for artists and entrepreneurs who don’t want to

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Death of a car salesman looms as dealers go online

Upside down car salesman in ground, cursors and clicks - The Telegraph
Upside down car salesman in ground, cursors and clicks – The Telegraph

The Covid-19 crisis has driven the UK’s 4,500-strong franchised car dealer network to a Darwinian junction: adapt to survive or risk extinction.

Car dealerships have been open to process sales since early June but demand to splash out on big-ticket purchases has plummeted as the UK enters a huge recession. The Society of Motor Manufacturers and Traders has predicted a 27pc fall in new car sales this year, making it the worst year since 1993.

Meanwhile dealers are looking to save costs where possible. Lookers, one of the UK’s biggest listed dealerships, has announced plans to shed 1,500 staff – almost a fifth of its workforce – and close 12 sites as sales crash due to coronavirus.

Even before Covid, the sector was grappling with the challenge posed by the shift to online. If car dealers need to

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