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class="LandingPageVariant1_landingHeader__Hr_kk"><div class="lazy-loaded"></div><div class="LandingPageVariant1_poweredBy__mBoFm"><span class="LandingPageVariant1_logoText__Z_2BN">Powered By</span><div class="lazy-loaded"></div></div></div></div><div class="LandingPageVariant1_mobHeroSection__hXbSQ"><div class="lazy-loaded"></div><div class="LandingPageVariant1_secureImageCont__NKdrd"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_titleCont__0EL3e"><h1 class="LandingPageVariant1_title__RB2Ky">Get personal loan upto<div>₹10 Lakhs </div> in <div> 10 mins!</div></h1></div><div class="LandingPageVariant1_benefitsCont__Ro73K"><div class="LandingPageVariant1_benefitsHeading__dmQn4"><div class="lazy-loaded"></div><h2 class="LandingPageVariant1_benefitsTitle__6kT_U">Benefits & Features</h2><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_benefitsCardCont__THXnU"><div class="LandingPageVariant1_benefitsCard__ZX0RH"><div class="LandingPageVariant1_benefitsIcon__xX9pU"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_benefitsText__EHOd1"><h3>Low Interest Rates</h3></div></div><div class="LandingPageVariant1_benefitsCard__ZX0RH"><div class="LandingPageVariant1_benefitsIcon__xX9pU"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_benefitsText__EHOd1"><h3>100% Digital Process</h3></div></div><div class="LandingPageVariant1_benefitsCard__ZX0RH"><div class="LandingPageVariant1_benefitsIcon__xX9pU"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_benefitsText__EHOd1"><h3>Tenure up to 60 Months</h3></div></div></div></div><h2 class="LandingPageVariant1_hintText__uZ9cs">Get Instant Loan Offers of up to 10 Lakh.</h2><div class="LandingPageVariant1_inputCont__JlyDF"><div class="InputCss_container__vWDK5"><div class="InputCss_entryArea__uOEhS "><div class="InputCss_container__prefix__PPlup"></div><input class=" InputCss_inputBox__WLWf2 " style="padding-left:16px" type="tel" pattern="[A-Za-z]+" name="phone" required="" maxLength="14" id="input-box-mobile" inputMode="numeric" value="+91 "/><label class="InputCss_lableLine__Fdp91 "></label></div></div><div class="LandingPageVariant1_inputPlaceholder__aJK9E">Enter Mobile Number</div><h6 class="LandingPageVariant1_otpText__HjGGA">An OTP will be sent for verification</h6><button class="LandingPageVariant1_button__KLunt">Let’s get Started</button><div class="LandingPageVariant1_conditionCont__qY_Du"><div class="LandingPageVariant1_icon__1bj69"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_text__ynMJU">By continuing, I agree to CIBIL <a href="https://www.livemint.com/static/termsofusewishfin" target="_blank">Terms and Conditions</a> and authorize EarlySalary to collect and store the Credit Bureau data for checking my eligibility for loan.</div></div><div class="LandingPageVariant1_conditionCont__qY_Du"><div class="LandingPageVariant1_icon__1bj69"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_text__ynMJU">By continuing, I agree to the <a href="https://www.fibe.in/privacy-policy/" target="_blank">Privacy Policy</a> and <a href="https://www.fibe.in/terms-conditions/" target="_blank">Terms and Conditions</a> of EarlySalary and receive communication from EarlySalary via SMS, E-Mail and WhatsApp.</div></div></div><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_benefitsBody__YAJlf"><div class="LandingPageVariant1_benefitsCont__Ro73K"><div class="LandingPageVariant1_dreamsStepsHeading__skjxt"><div class="lazy-loaded"></div><h2>Your loan is 3 steps away</h2><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_benefitsCardCont__THXnU"><div class="LandingPageVariant1_stepsToGetLoanCard__W_thh"><div class="LandingPageVariant1_cardImage__TiOcV"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_cardText__PxHzu">Enter Basic Details</div></div><div class="LandingPageVariant1_stepsToGetLoanCard__W_thh"><div class="LandingPageVariant1_cardImage__TiOcV"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_cardText__PxHzu">Choose & Apply Loan Offers</div></div><div class="LandingPageVariant1_stepsToGetLoanCard__W_thh"><div class="LandingPageVariant1_cardImage__TiOcV"><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_cardText__PxHzu">Instant Cash in Bank</div></div></div></div></div><div class="LandingPageVariant1_eligiblityContWrapper__Gakor"><div class="LandingPageVariant1_eligiblityCont__b5iNK"><div class="LandingPageVariant1_dreamsStepsHeading__skjxt"><div class="lazy-loaded"></div><h2>Personal Loan Eligibility</h2><div class="lazy-loaded"></div></div><div class="LandingPageVariant1_condition__GYlux"><div class="LandingPageVariant1_eligiblityCondTitle__QyTvW">Age:</div><div class="LandingPageVariant1_eligiblityCondText__yzzIW">21 - 65 years</div></div><div class="LandingPageVariant1_condition__GYlux"><div class="LandingPageVariant1_eligiblityCondTitle__QyTvW">Income:</div><div class="LandingPageVariant1_eligiblityCondText__yzzIW">Minimum Rs 15,000/month for salaried applicants</div></div><div class="LandingPageVariant1_condition__GYlux"><div class="LandingPageVariant1_eligiblityCondTitle__QyTvW">Resident:</div><div class="LandingPageVariant1_eligiblityCondText__yzzIW">A resident of India</div></div></div></div><div class="LandingPageVariant1_disclaimerCont__8fNqA"><div class="LandingPageVariant1_title__RB2Ky">Disclaimer</div><div class="LandingPageVariant1_subTitle___AcrY">HT Live Mint is a loan aggregator and is authorised to provide services on behalf of its partners.</div><div></div></div><div id="scorecard__widget__box__cube" style="display:none"></div><div class="containerNew"><footer id="footer_footer__Fv1Lc" class="footerNew"><div class="backtoTop" id="myBtn"></div><div class="footer_footerLogo__eKR4A footer_footerSpace__jFNT5 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A beginner’s guide for personal loans 2025</a> <a href="/money/personal-finance/what-are-the-benefits-of-raising-a-personal-loan-over-other-financing-options-11732972455881.html">What are the benefits of raising a personal loan over other financing options?</a> <a href="/money/personal-finance/personal-loans-how-opting-for-multiple-funding-options-can-be-a-rational-move-11732900261335.html">Personal loans: How opting for multiple funding options can be a rational move?</a> <a href="/money/personal-finance/personal-loans-use-emi-calculator-to-check-monthly-instalments-across-time-durations-11732885955669.html">Personal loans: Use EMI calculator to check monthly instalments across time durations</a> <a href="/money/personal-finance/personal-loan-for-debt-consolidation-know-the-pros-cons-and-process-of-using-it-loans-debt-interest-rates-11732866960725.html">Personal loan for debt consolidation: Know the pros, cons and process of using it</a> <a href="/money/personal-finance/7-types-of-loan-repayment-method-which-one-is-best-suited-for-you-personal-loans-11732865085989.html">7 types of personal loan repayment method: Which one is best suited for you?</a> <a href="/money/personal-finance/personal-loan-10-key-questions-to-ask-yourself-before-opting-for-it-loans-insta-loan-11732856982901.html">Personal loan: 10 key questions to ask yourself before opting for it</a> <a href="/money/personal-finance/personal-loans-and-tax-benefits-how-to-maximize-your-savings-loans-income-tax-11732703909964.html">Personal loans and tax benefits: How to maximize your savings</a> <a href="/money/personal-finance/planning-to-borrow-from-lending-app-be-careful-of-these-6-key-points-personal-loan-from-mobile-app-11732699775261.html">Planning to borrow from a personal loan lending app? 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U.S. LNG exports to Europe surged in November as the world's largest producer of the superchilled gas sent more cargoes to the continent and fewer to Asia and Latin America, according to preliminary data from financial firm LSEG. \u003c/p\u003e\u003cp\u003e European natural gas prices climbed in November to their highest levels in two years on fears remaining Russian pipeline supplies to Europe will be halted or face further curtailment. \u003c/p\u003e\u003cp\u003e European natural gas prices averaged $12.90 per mmbtu in November, more than a dollar higher than $11.79 in October and higher than $12.32 in September, with the benchmark front-month contract at the Dutch TTF hub reaching 49.03 euros per megawatt hour on Nov. 22, equivalent to $14.97 per million British thermal units . \u003c/p\u003e\u003cp\u003e The United States is the world's largest LNG exporter and played a major role in 2022 after Russia's invasion of Ukraine led to sharp reductions in Europe's access to Russian gas imports. \u003c/p\u003e\u003cp\u003e Nearly seven of every 10 U.S. LNG cargoes headed to Europe in November as LNG exports rose to more than 7.75 million metric tons , up from 7.56 MT in October, with cooler weather favoring higher output, according to LSEG data. \u003c/p\u003e\u003cp\u003e Exports to Europe reached 5.09 MT in November or 68% of total LNG exports, up from 3.65 MT, or just under 48% of total exports recorded in October. Asia accounted for about a fifth of total exports, according to LSEG data. \u003c/p\u003e\u003cp\u003e The U.K. was a major player in the market, buying .81 MT, or one in every seven cargoes sold to the continent, according to LSEG data. \u003c/p\u003e\u003cp\u003e With the arbitrage favoring Europe, U.S. LNG exports to Asia fell to 1.64 MT or 21% of total exports in November, from 2.67 MT or 35% in October, LSEG data showed. \u003c/p\u003e\u003cp\u003e There were fewer U.S. LNG cargoes destined for Latin America in November with only .58 MT sold to the U.S. neighbors in November, down from .9 MT in October, LSEG data showed. \u003c/p\u003e\u003cp\u003e There were three cargoes sent to Egypt for a total of .23 MT and three cargoes for a total .21 MT that were for orders with no set destination as of Nov. 30. \u003c/p\u003e\u003cp\u003e U.S. producers have been ramping up output as the weather cools with top exporter Cheniere Energy leading the way. On Monday, Cheniere was expected to pull over 5 billion cubic feet of natural gas for the fifth time in seven days at its Sabine Pass, Louisiana, export plant, according to LSEG data. \u003c/p\u003e\u003cp\u003e Overall U.S. LNG natural gas demand averaged 13.65 bcf per day in November and could have been higher had the second-largest U.S. LNG exporter, Freeport LNG, not experience several outages in November, LSEG data showed. \u003c/p\u003e\u003cp\u003e With the United States expecting first LNG in December from Venture Global's 20 MTPA Plaquemines LNG plant in Louisiana and Cheniere's 10 MTPA midscale expansion project, also in the Pelican state, this month could challenge the U.S. all-time record LNG production. \u003c/p\u003e\u003cp\u003e\u003cstrong\u003eThis article was generated from an automated news agency feed without modifications to text.\u003c/strong\u003e\u003c/p\u003e"},"image":null,"video":null,"liveBlog":null,"listicle":null,"listicleType":"","listicleArray":null,"listicleBulletType":null,"listicleHeadline":null,"indicesNew":null,"relatedStories":null,"collectionStories":null,"embed":null,"collectionPages":null,"elements":null,"listElement":null,"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"","summary":"","quickReadSummary":"","mobileHeadline":"","mobileAppNotificationHeadline":"","browserNotificationHeadline":"","facebookHeadline":"","subType":"","jsonSourceUrl":"","twitterHeadline":"","urlHeadline":"","leadMedia":null,"timeToRead":null,"linkStoryId":null,"introBody":"","webType":"","related":null,"showRelated":null,"newsletterHeadline":"","newsletterSummary":"","webStorySlide":null,"logoUrl":null,"logoPosition":null,"hasSlideImage":false,"hasSlideVideo":false,"hasLogoImage":false,"creditInfo":null,"altText":null,"metaTitle":null,"metaDescription":null,"keywords":null,"slideAnimation":"","sampleImagesIdList":[],"sampleImages":[],"personalisedSection":null,"personalisedSectionId":null,"paywallElement":false,"faqSectionHeading":null,"faqs":null,"tagline":null,"tabElements":null,"quiz":null,"poll":null,"bgParaColor":null,"quoteDesign":null,"contentHeading":null,"multipleLeadMediaIds":[],"multipleLeadMediaImages":[],"alsoReadStories":null,"alsoReadStoryIdList":null,"alsoReadStoriesUrl":null,"listCollectionPrimaryPages":null,"storySlug":null,"storyTemplate":null,"steps":null}],"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"US LNG exports to Europe surge in November on higher prices ","summary":"USA-LNG/EXPORTS (PIX):US LNG exports to Europe surge in November on higher prices ","quickReadSummary":"U.S. LNG exports to Europe surged in November, reaching 5.09 million tons, driven by high European gas prices amid fears of reduced Russian supplies. 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As of today, I am leaning toward continuing the work we have started in returning monetary policy to a more neutral setting\" with continued rate cuts, said Waller, who has been a key voice in shaping the Fed's response to inflation that erupted to a 40-year high in 2022. \u003c/p\u003e\u003cp\u003e The Fed began reducing interest rates in September with a half-point reduction, following that with a quarter-point cut in November. \u003c/p\u003e\u003cp\u003e A further quarter-point cut in December has been expected, but recent inflation data raised concern that progress may have stalled. One key measure, the personal consumption expenditures price index stripped of food and energy costs, has been mired in a range from 2.6% to 2.8% since May, well above the Fed's 2% target. \u003c/p\u003e\u003cp\u003e \"If the data we receive between today and the next meeting surprise in a way that suggests our forecasts of slowing inflation and a moderating but still-solid economy are wrong, then I will be supportive of holding the policy rate constant,\" Waller said. \u003c/p\u003e\u003cp\u003e He said rates are also likely to continue falling next year, though the pace and degree of reduction remain to be determined. The Fed will issue new economic projections at its next meeting to show how far officials expect to cut their benchmark rate next year. \u003c/p\u003e\u003cp\u003e The rate is currently set in a range between 4.5% and 4.75%. \u003c/p\u003e\u003cp\u003e \"The evidence is strong that policy continues to be significantly restrictive and that cutting again will only mean that we aren’t pressing on the brake pedal quite as hard,\" Waller said. \"I expect rate cuts to continue over the next year until we approach a more neutral setting of the policy rate.\" \u003c/p\u003e\u003cp\u003e Recent data \"tells a fairly consistent story over the past year about moderating demand relative to supply, consistent with continued progress toward 2% inflation and without an undesirable weakening in the labor market,\" said Waller, a fitness buff who compared the Fed's battle with inflation to a mixed martial arts fighter in that sport's unique arena. \u003c/p\u003e\u003cp\u003e \"Let me assure you that submission is inevitable — inflation isn’t getting out of the octagon,\" Waller said. 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News Today Live: Putin’s leg twitching fuels health speculation amid Parkinson’s rumors","articleType":"element","createdBy":"Auto Published","createdDate":"2024-12-02T20:09:18+0000","lastModifiedBy":"Auto Published","lastModifiedDate":"2024-12-02T20:09:18+0000","lastPublishedBy":"Auto 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This interactive self-improvement workbook is a companion to her 2022 bestseller \"The Light We Carry\" and aims to help readers navigate life’s challenges by unlocking their inner strength and cultivating positive habits.\u003c/p\u003e\u003cp\u003eThe 208-page book offers readers a variety of activities, reflective writing prompts, habit-tracking tools, and more. The workbook is designed to guide individuals toward self-expression, improved relationships, and personal empowerment. It expands on the lessons shared in \"The Light We Carry\", in which \u003ca class=\"manualbacklink\" target=\"_blank\" href=\"https://www.livemint.com/topic/michelle-obama\"\u003eMichelle Obama\u003c/a\u003e, former First Lady of the United States, opened up about her own struggles with anxiety and shared tools she uses to overcome adversity.\u003c/p\u003e\u003cp\u003eIn the workbook, \u003ca class=\"manualbacklink\" target=\"_blank\" href=\"https://www.livemint.com/politics/news/michelle-obama-speculated-to-replace-joe-biden-after-presidential-debate-barack-obama-says-a-fight-between-11719652093974.html\"\u003eObama\u003c/a\u003e offers her signature warmth and candor to inspire readers to pay attention to their physical and mental well-being. She encourages them to pace themselves, take rest, and prioritize wellness while tackling life’s difficulties. Through creative exercises and reflective prompts, Obama aims to guide readers in understanding and overcoming their personal challenges, whether they are related to career, relationships, or personal growth.\u003c/p\u003e\u003cp\u003eOn November 26, 2024, \u003ca class=\"manualbacklink\" target=\"_blank\" href=\"https://www.livemint.com/news/us-news/us-presidential-elections-2024-women-healthcare-michelle-obama-michigan-kamala-harris-donald-trump-november-5-polls-11729986284290.html\"\u003eMichelle Obama\u003c/a\u003e shared her excitement for the upcoming release on social media, noting that the workbook could be a perfect gift for family and friends during the holiday season. \"With the holidays coming up, this workbook will be a great gift for your family, friends, and all the people you care about,\" she said in her 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ISM Manufacturing Business Survey Committee Chair Timothy Fiore noted that \"production execution eased in November, consistent with demand sluggishness and weak backlogs,\" and that \"suppliers continue to have capacity, with lead times improving but some product shortages reappearing.\" Economists agreed. \u003c/p\u003e\u003cp\u003e \"It is worth noting that in the aftermath of the 2016 election, the ISM index rose for four straight months, as business optimism swelled,\" said Stephen Stanley, chief U.S. economist at Santander U.S. Capital Markets. \"I would not be surprised to see a similar dynamic this time, though in the current case, the underlying fundamentals for the factory sector have been tepid at best for a while.\" \u003c/p\u003e\u003cp\u003e The ISM said its manufacturing PMI rose to a five-month high of 48.4 from 46.5 in October, which was the lowest level since July 2023. A PMI reading below 50 indicates contraction in the manufacturing sector, which accounts for 10.3% of the economy. \u003c/p\u003e\u003cp\u003e Economists polled by Reuters had forecast a PMI of 47.5. November marked the eighth straight month that the PMI stayed below the 50 threshold, but above the 42.5 level that the ISM says over time generally indicates an expansion of the overall economy. \u003c/p\u003e\u003cp\u003e Only three industries, including computer and electronic as well as electrical equipment, appliances and components reported growth. Among the 11 industries reporting contraction were transportation equipment, machinery, miscellaneous manufacturing, chemical products and primary metals. \u003c/p\u003e\u003cp\u003e Comments from manufacturers were downbeat. Makers of transportation equipment reported that \"business remains slow,\" and anticipated \"the first half of 2025 will be similar.\" \u003c/p\u003e\u003cp\u003e Some machinery manufacturers said a slowdown in construction \"has created a surplus of finished goods, creating the need for an extra two weeks of shutdown over the Christmas holiday period.\" Fabricated metal products makers said customers were destocking, adding \"the preliminary forecast for 2025 is down significantly.\" \u003c/p\u003e\u003cp\u003e TARIFFS WORRY \u003c/p\u003e\u003cp\u003e Miscellaneous manufacturers worried about potential increased tariffs on Chinese imports, noting the \"cost and capacity of U.S. manufacturing is a concern.\" \u003c/p\u003e\u003cp\u003e President-elect Donald Trump said last week he would impose a 25% tariff on all products from Mexico and Canada, and an additional 10% tariff on goods from China, on his first day in office. Some companies in the primary metals industry, however, reported an uptick in customers wanting to reshore their businesses after the election. \u003c/p\u003e\u003cp\u003e Inflation remained a concern for manufacturers of food, beverage and tobacco products. Makers of computer and electronic products reported pent-up buying, but complained \"competition for qualified technical labor is a constraint on operational throughput.\" \u003c/p\u003e\u003cp\u003e Stocks on Wall Street traded higher. The dollar gained versus a basket of currencies. U.S. Treasury yields rose. \u003c/p\u003e\u003cp\u003e The ISM PMI has suggested manufacturing remains stuck in deep recession following hefty interest rate hikes from the Federal Reserve in 2022 and 2023. It has, however, not been all doom and gloom. Business spending on equipment has notched two consecutive quarters of brisk growth, reflecting in part an artificial intelligence boom and demand for commercial aircraft. \u003c/p\u003e\u003cp\u003e The U.S. central bank started easing monetary policy in September, and a third rate cut is expected this month. But potential changes in trade policy have left the path for further rate reductions in 2025 uncertain. \u003c/p\u003e\u003cp\u003e \"With the Fed now possibly cutting at a slower speed, interest rates may not offer the tailwind that factories were looking for,\" said Oren Klachkin, an economist at Nationwide. \u003c/p\u003e\u003cp\u003e The ISM survey's forward-looking new orders sub-index increased to 50.4, expanding for the first time since March, from 47.1 in October. The production index was, however, little changed at depressed levels. \u003c/p\u003e\u003cp\u003e Its measure of prices paid by manufacturers dropped to 50.3 from 54.8 in October, suggesting goods prices have room to fall, though higher tariffs could see a reversal. \u003c/p\u003e\u003cp\u003e The survey's gauge of supplier deliveries fell to 48.7 from 52.0 in October. A reading below 50 indicates faster deliveries. \u003c/p\u003e\u003cp\u003e Factory employment continued to improve, but remaining at subdued levels, with the manufacturing employment measure climbing to 48.1 from 44.4 in October. The ISM noted less headcount reduction last month compared to October. \u003c/p\u003e\u003cp\u003e That is consistent with an anticipated acceleration in nonfarm payrolls growth in November, after a strike by factory workers at Boeing and another aerospace company tanked manufacturing employment in October. Job growth in October was also restrained by Hurricanes Helene and Milton. \u003c/p\u003e\u003cp\u003e The Labor Department's strike report last Friday confirmed the 38,000 aerospace employees returned to work in late October and early November. \u003c/p\u003e\u003cp\u003e A Reuters survey of economists estimated payrolls increasing by 200,000 jobs in November after rising by 12,000 in October, the fewest since December 2020. The closely watched employment report is due to be released on Friday. \u003c/p\u003e\u003cp\u003e A separate report from the Commerce Department showed construction spending increasing strongly in October, driven by single-family home building. \u003c/p\u003e\u003cp\u003e That offered hope residential investment was rebounding after contracting for two straight quarters. The Atlanta Fed upgraded its gross domestic product growth estimate for the fourth quarter to a 3.2% annualized rate from a 2.7% pace earlier. The economy grew at a 2.8% rate in the third quarter. \u003c/p\u003e\u003cp\u003e (Reporting by Lucia Mutikani; Editing by Chizu Nomiyama and Andrea Ricci) \u003c/p\u003e"},"image":null,"video":null,"liveBlog":null,"listicle":null,"listicleType":"","listicleArray":null,"listicleBulletType":null,"listicleHeadline":null,"indicesNew":null,"relatedStories":null,"collectionStories":null,"embed":null,"collectionPages":null,"elements":null,"listElement":null,"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"","summary":"","quickReadSummary":"","mobileHeadline":"","mobileAppNotificationHeadline":"","browserNotificationHeadline":"","facebookHeadline":"","subType":"","jsonSourceUrl":"","twitterHeadline":"","urlHeadline":"","leadMedia":null,"timeToRead":null,"linkStoryId":null,"introBody":"","webType":"","related":null,"showRelated":null,"newsletterHeadline":"","newsletterSummary":"","webStorySlide":null,"logoUrl":null,"logoPosition":null,"hasSlideImage":false,"hasSlideVideo":false,"hasLogoImage":false,"creditInfo":null,"altText":null,"metaTitle":null,"metaDescription":null,"keywords":null,"slideAnimation":"","sampleImagesIdList":[],"sampleImages":[],"personalisedSection":null,"personalisedSectionId":null,"paywallElement":false,"faqSectionHeading":null,"faqs":null,"tagline":null,"tabElements":null,"quiz":null,"poll":null,"bgParaColor":null,"quoteDesign":null,"contentHeading":null,"multipleLeadMediaIds":[],"multipleLeadMediaImages":[],"alsoReadStories":null,"alsoReadStoryIdList":null,"alsoReadStoriesUrl":null,"listCollectionPrimaryPages":null,"storySlug":null,"storyTemplate":null,"steps":null}],"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"US manufacturing contraction slows in November, outlook uncertain ","summary":"USA-ECONOMY/ (WRAPUP 2, PIX):WRAPUP 2-US manufacturing contraction slows in November, outlook uncertain ","quickReadSummary":"U.S. manufacturing contracted moderately in November, with a PMI increase to 48.4 and new orders rising above 50 for the first time in eight months. 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The board is also considering external candidates, the source said. \u003c/p\u003e\u003cp\u003e In the meantime the maker of brands including Jeep, Ram, Fiat and Peugeot, will be run by a newly-established Interim Executive Committee, headed by the group's Chairman John Elkann. \u003c/p\u003e\u003cp\u003e International press and sources have flagged the following as among possible candidates to succeed Tavares: \u003c/p\u003e\u003cp\u003e MAXIME PICAT \u003c/p\u003e\u003cp\u003e Picat, currently Stellantis' chief purchasing and supplier quality officer, previously served as COO for the 'Enlarged Europe' region when the group was created in January 2021. The 50-year-old French civil engineer joined Peugeot maker PSA in 1998, where he held different positions, including managing director of the DongFeng Peugeot Citroen Automobiles joint venture in China. He was one of the young managers developed by Carlos Tavares at PSA. \u003c/p\u003e\u003cp\u003e ANTONIO FILOSA \u003c/p\u003e\u003cp\u003e Filosa was made COO of Stellantis' key North American market in October, as part of a top management reshuffle that followed the group's profit warning. Filosa, an Italian national, joined Fiat Group in 1999 and worked in several roles, especially in Latin America, becoming Fiat Chrysler chief in the region from 2018. He then served as Stellantis COO for South America before being appointed global head of the Jeep brand in 2023, a role he retains. \u003c/p\u003e\u003cp\u003e JEAN-PHILIPPE IMPARATO \u003c/p\u003e\u003cp\u003e The 58-year-old Frenchman is a former brands chief at Peugeot and at Alfa Romeo who was promoted in October to be COO of the Enlarged Europe region at Stellantis. Imparato is regarded as close to Tavares and during the recent Paris Auto Show dismissed speculation about him getting the CEO role: \"I have neither the expertise, nor the ambition, to do that job,\" he said. A fluent Italian speaker, he also heads Stellantis' lucrative commercial vehicle unit Pro One. \u003c/p\u003e\u003cp\u003e LUCA DE MEO \u003c/p\u003e\u003cp\u003e Renault's CEO has previously held top roles at Fiat Chrysler under Sergio Marchionne and at Volkswagen, where he also headed the Seat brand. An Italian national, De Meo, 57, was appointed Renault CEO in 2020 and completed the French automaker's turnaround. A move to Stellantis might also be part of an eventual merger with Renault, which has been at the centre of market speculation in recent months. Renault just renewed De Meo's CEO mandate for another four years. \u003c/p\u003e\u003cp\u003e DOUG OSTERMANN \u003c/p\u003e\u003cp\u003e The American national was appointed Stellantis Chief Financial officer in October, after serving in different roles for the group in China, including as chief operating officer for the region, where he had a key role in striking a wide cooperation agreement with local automaker Leapmotor. Ostermann joined former Fiat Chrysler in 2016 as group treasurer. \u003c/p\u003e\u003cp\u003e MIKE MANLEY \u003c/p\u003e\u003cp\u003e The British-born former CEO of Fiat Chrysler, who succeeded Sergio Marchionne in 2018 and led the Italian American automaker into the merger with PSA, is now head of the U.S. largest auto retailer AutoNation Inc. Manley ran FCA's U.S. operations under Marchionne and is very familiar with Stellantis' American brands, all inherited from FCA. He left Stellantis in late 2021 after briefly serving as head of Americas for the newly-created group. \u003c/p\u003e\u003cp\u003e RICHARD PALMER \u003c/p\u003e\u003cp\u003e The highly respected Stellantis former CFO, who left the group in 2023, was appointed special adviser to Chairman Elkann on Monday and will attend the newly created Interim Executive Committee. Palmer had previously served as CFO at Fiat and Chrysler for 15 years. \u003c/p\u003e\u003cp\u003e JOSE MUNOZ \u003c/p\u003e\u003cp\u003e A Spanish native and a U.S. citizen, Munoz was appointed Hyundai Motor's CEO last month after serving as COO at the South Korean automaker since 2019 and being credited with record North American sales. He previously worked for Asian automakers Nissan, Toyota and Daewoo, after starting at Citroen in 1989. \u003c/p\u003e\u003cp\u003e TECH EXECUTIVE \u003c/p\u003e\u003cp\u003e Stellantis Chairman Elkann could also consider a tech industry executive for the top job at the French Italian automaker, Italian daily Il Giornale said on Monday, although it said Elkann was leaning towards an internal candidate. The choice of a tech executive would highlight the increasing emphasis the auto industry is putting on software and technology. In 2021, Elkann picked Benedetto Vigna, an executive at chipmaker STMicroelectronics, to head sports carmaker Ferrari. \u003c/p\u003e\u003cp\u003e EDOUARD PEUGEOT \u003c/p\u003e\u003cp\u003e A ninth generation representative of France's Peugeot family, he's the son of Stellantis board member board Robert Peugeot. He has just been nominated to succeed his father as chairman of the family holding. A source close to the family, however, denied he would be running for the Stellantis CEO job. \u003c/p\u003e\u003cp\u003e\u003cstrong\u003eThis article was generated from an automated news agency feed without modifications to text.\u003c/strong\u003e\u003c/p\u003e"},"image":null,"video":null,"liveBlog":null,"listicle":null,"listicleType":"","listicleArray":null,"listicleBulletType":null,"listicleHeadline":null,"indicesNew":null,"relatedStories":null,"collectionStories":null,"embed":null,"collectionPages":null,"elements":null,"listElement":null,"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"","summary":"","quickReadSummary":"","mobileHeadline":"","mobileAppNotificationHeadline":"","browserNotificationHeadline":"","facebookHeadline":"","subType":"","jsonSourceUrl":"","twitterHeadline":"","urlHeadline":"","leadMedia":null,"timeToRead":null,"linkStoryId":null,"introBody":"","webType":"","related":null,"showRelated":null,"newsletterHeadline":"","newsletterSummary":"","webStorySlide":null,"logoUrl":null,"logoPosition":null,"hasSlideImage":false,"hasSlideVideo":false,"hasLogoImage":false,"creditInfo":null,"altText":null,"metaTitle":null,"metaDescription":null,"keywords":null,"slideAnimation":"","sampleImagesIdList":[],"sampleImages":[],"personalisedSection":null,"personalisedSectionId":null,"paywallElement":false,"faqSectionHeading":null,"faqs":null,"tagline":null,"tabElements":null,"quiz":null,"poll":null,"bgParaColor":null,"quoteDesign":null,"contentHeading":null,"multipleLeadMediaIds":[],"multipleLeadMediaImages":[],"alsoReadStories":null,"alsoReadStoryIdList":null,"alsoReadStoriesUrl":null,"listCollectionPrimaryPages":null,"storySlug":null,"storyTemplate":null,"steps":null}],"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"As CEO Tavares leaves Stellantis, market speculates on successor","summary":"AUTOS-STELLANTIS/CEO-SUCCESSOR (FACTBOX, PIX):FACTBOX-As CEO Tavares leaves Stellantis, market speculates on successor","quickReadSummary":"Carlos Tavares resigned as CEO of Stellantis two months after a profit warning, with the company seeking a permanent successor in early 2024. 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Last week, the finance ministry announced a spending cut of 28.4 trillion pesos to comply with the fiscal rule, after the government failed to meet its tax revenue targets. \u003c/p\u003e\u003cp\u003e “The scandal raises serious questions about the minister’s legitimacy to promote the financing law,” Andres Pardo, a strategist at XP Investment, said by email. “Time is running out, and this scandal further undermines any support he might still have in Congress.” \u003c/p\u003e\u003cp\u003e More stories like this are available on \u003ca href=\"https://www.bloomberg.com\"\u003ebloomberg.com\u003c/a\u003e \u003c/p\u003e\u003cp\u003e ©2024 Bloomberg L.P. \u003c/p\u003e"},"image":null,"video":null,"liveBlog":null,"listicle":null,"listicleType":"","listicleArray":null,"listicleBulletType":null,"listicleHeadline":null,"indicesNew":null,"relatedStories":null,"collectionStories":null,"embed":null,"collectionPages":null,"elements":null,"listElement":null,"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"","summary":"","quickReadSummary":"","mobileHeadline":"","mobileAppNotificationHeadline":"","browserNotificationHeadline":"","facebookHeadline":"","subType":"","jsonSourceUrl":"","twitterHeadline":"","urlHeadline":"","leadMedia":null,"timeToRead":null,"linkStoryId":null,"introBody":"","webType":"","related":null,"showRelated":null,"newsletterHeadline":"","newsletterSummary":"","webStorySlide":null,"logoUrl":null,"logoPosition":null,"hasSlideImage":false,"hasSlideVideo":false,"hasLogoImage":false,"creditInfo":null,"altText":null,"metaTitle":null,"metaDescription":null,"keywords":null,"slideAnimation":"","sampleImagesIdList":[],"sampleImages":[],"personalisedSection":null,"personalisedSectionId":null,"paywallElement":false,"faqSectionHeading":null,"faqs":null,"tagline":null,"tabElements":null,"quiz":null,"poll":null,"bgParaColor":null,"quoteDesign":null,"contentHeading":null,"multipleLeadMediaIds":[],"multipleLeadMediaImages":[],"alsoReadStories":null,"alsoReadStoryIdList":null,"alsoReadStoriesUrl":null,"listCollectionPrimaryPages":null,"storySlug":null,"storyTemplate":null,"steps":null}],"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"Corruption Scandal Adds to Pressure on Colombia’s Finance Minister","summary":"Colombia’s finance chief has been hit with fresh accusations in an alleged corruption scandal, adding to complications for President Gustavo Petro just as the government tries to navigate a deepening fiscal crisis.","quickReadSummary":"Colombia's Finance Minister Ricardo Bonilla faces fresh corruption allegations amid a fiscal crisis, complicating President Gustavo Petro's efforts to secure higher taxes to cover a $2.7 billion budget shortfall. With Congress opposing Bonilla and calls for his resignation, the scandal jeopardizes the government's financing bill, raising concerns about the country's fiscal stability and potential default.","mobileHeadline":"Corruption Scandal Adds to Pressure on Colombia’s Finance Minister","mobileAppNotificationHeadline":"Corruption Scandal Adds to Pressure on Colombia’s Finance Minister","browserNotificationHeadline":"Corruption Scandal Adds to Pressure on Colombia’s Finance Minister","facebookHeadline":"Corruption Scandal Adds to Pressure on Colombia’s Finance Minister","subType":"","jsonSourceUrl":"","twitterHeadline":"Corruption Scandal Adds to Pressure on Colombia’s Finance Minister","urlHeadline":"Corruption Scandal Adds to Pressure on Colombia’s Finance Minister","leadMedia":{"id":11733165152805,"mediaType":"image","elements":[11733165153254],"image":{"images":{"600x338":"https://images.livemint.com/img/2018/12/28/600x338/News_-_world_1545994908237.jpg","90x90":"https://images.livemint.com/img/2018/12/28/90x90/News_-_world_1545994908237_1545994908624.jpg","original":"https://images.livemint.com/img/2018/12/28/original/News_-_world_1545994908237.jpg","250x250":"https://images.livemint.com/img/2018/12/28/250x250/News_-_world_1545994908237_1545994908624.jpg","mediumImage":"https://images.livemint.com/img/2018/12/28/250x250/News_-_world_1545994908237_1545994908624.jpg","bigImage":"https://images.livemint.com/img/2018/12/28/600x338/News_-_world_1545994908237.jpg","960x540":"https://images.livemint.com/img/2018/12/28/960x540/News_-_world_1545994908237.jpg","thumbnailImage":"https://images.livemint.com/img/2018/12/28/90x90/News_-_world_1545994908237_1545994908624.jpg","fullImage":"https://images.livemint.com/img/2018/12/28/960x540/News_-_world_1545994908237.jpg"},"caption":"Corruption Scandal Adds to Pressure on Colombia’s Finance Minister","name":"","alternateText":"","imageCredit":"","overImage":false,"verticalImage":false,"width":0,"height":0,"imageUrl":""},"video":null},"timeToRead":1,"linkStoryId":null,"introBody":"","webType":"","related":null,"showRelated":false,"newsletterHeadline":"","newsletterSummary":"","webStorySlide":null,"logoUrl":null,"logoPosition":null,"hasSlideImage":false,"hasSlideVideo":false,"hasLogoImage":false,"creditInfo":null,"altText":null,"metaTitle":null,"metaDescription":null,"keywords":null,"slideAnimation":"","sampleImagesIdList":[],"sampleImages":[],"personalisedSection":null,"personalisedSectionId":null,"paywallElement":false,"faqSectionHeading":null,"faqs":null,"tagline":null,"tabElements":null,"quiz":null,"poll":null,"bgParaColor":null,"quoteDesign":null,"contentHeading":null,"multipleLeadMediaIds":[],"multipleLeadMediaImages":[],"alsoReadStories":null,"alsoReadStoryIdList":null,"alsoReadStoriesUrl":null,"listCollectionPrimaryPages":null,"storySlug":null,"storyTemplate":null,"steps":null},{"id":11733164812635,"oldUuid":"","domainId":"5aeab8eefc36f218b0e0866b","mgOldUuid":null,"sourceBody":null,"title":"US News Today Live Updates on December 3, 2024 : Michelle Obama's new book promises self-empowerment—Releasing December 3","articleType":"story","createdBy":"Auto Published","createdDate":"2024-12-02T18:40:12+0000","lastModifiedBy":"Auto Published","lastModifiedDate":"2024-12-02T19:47:26+0000","lastPublishedBy":"Auto Published","lastPublishedDate":"2024-12-02T19:47:26+0000","firstPublishedDate":"2024-12-02T18:40:12+0000","metadata":{"url":"/news/us-news/latest-us-news-today-on-december-3-2024-live-updates-11733164812635.html","authors":["Livemint"],"charCount":459,"wordCount":459,"agency":"","status":"PUBLISHED","tags":null,"keywords":null,"section":"News","column":"","subSection":"us news","topic":null,"topicUrls":null,"alternateSection":null,"location":null,"markUnimportant":false,"breakingNews":false,"sponsored":false,"editedBy":null,"writtenBy":null,"reportedBy":null,"agencyByLine":null,"bigStory":false,"deleteMode":null,"redirectUrl":"","videoMetadata":null,"dynamicMeta":null,"alternateUrls":null,"externalUrl":"","subSectionL2":"","design":"","canonicalUrl":"https://www.livemint.com/news/us-news/latest-us-news-today-on-december-3-2024-live-updates-11733164812635.html","killed":false,"killedStatusCode":0,"audioSourceUrl":"","disclaimer":"","sponsoredTitle":"","storyType":"DIGITAL","jsonSourceUrl":null,"subType":null,"syndicationFeed":false,"premiumStory":false,"metaTitle":"US News Today Live Updates on December 3, 2024 : Michelle Obama's new book promises self-empowerment—Releasing December 3","metaDescription":"US News Today Live Updates on December 3, 2024: Stay informed on the latest developments and key stories shaping the United States. 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Not originally, no. You’re from ... India.” The altercation continued as Taufiq asked if the woman wanted to see his passport to prove his citizenship.\u003c/p\u003e\u003cp\u003eAs the situation worsened, several other passengers intervened to defend the family, with some confirming the woman's role as the instigator. United Airlines staff was called to intervene, and security escorted the woman off the shuttle bus. A bystander corroborated Taufiq's account, stating the woman had been harassing the family.\u003c/p\u003e\u003cp\u003eTaufiq also claimed the woman appeared intoxicated during the incident, both in-flight and afterward. Following the altercation, United Airlines reportedly banned the woman from future flights.\u003c/p\u003e\u003cp\u003eIn a statement, Taufiq expressed his shock and disappointment: “Mortified we just went through this. This lady was harassing our son on the flight… Blown away these types of people still exist. As photographers, we have seen a lot of, but this is one we could have done without.”\u003c/p\u003e\u003cp\u003eUnited Airlines has yet to release a formal statement on the incident, but the actions of its employees and passengers were applauded for addressing the racist behavior swiftly.\u003c/p\u003e\u003cp\u003eThe incident has sparked outrage online, with many expressing their support for Taufiq and his family while condemning the woman's actions. As of now, it remains unclear whether any legal action will be pursued.\u003c/p\u003e"},"image":null,"video":null,"liveBlog":null,"listicle":null,"listicleType":"","listicleArray":null,"listicleBulletType":null,"listicleHeadline":null,"indicesNew":null,"relatedStories":null,"collectionStories":null,"embed":null,"collectionPages":null,"elements":null,"listElement":null,"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"","summary":"","quickReadSummary":"","mobileHeadline":"","mobileAppNotificationHeadline":"","browserNotificationHeadline":"","facebookHeadline":"","subType":"","jsonSourceUrl":"","twitterHeadline":"","urlHeadline":"","leadMedia":null,"timeToRead":null,"linkStoryId":null,"introBody":"","webType":"","related":null,"showRelated":null,"newsletterHeadline":"","newsletterSummary":"","webStorySlide":null,"logoUrl":null,"logoPosition":null,"hasSlideImage":false,"hasSlideVideo":false,"hasLogoImage":false,"creditInfo":null,"altText":null,"metaTitle":null,"metaDescription":null,"keywords":null,"slideAnimation":"","sampleImagesIdList":[],"sampleImages":[],"personalisedSection":null,"personalisedSectionId":null,"paywallElement":false,"faqSectionHeading":null,"faqs":null,"tagline":null,"tabElements":null,"quiz":null,"poll":null,"bgParaColor":{"name":"","code":""},"quoteDesign":"Bold","contentHeading":null,"multipleLeadMediaIds":[],"multipleLeadMediaImages":[],"alsoReadStories":null,"alsoReadStoryIdList":null,"alsoReadStoriesUrl":null,"listCollectionPrimaryPages":null,"storySlug":null,"storyTemplate":null,"steps":null}],"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"Watch | United Airlines passenger goes on racist rant against Indian-American family","summary":"\u003cul\u003e\u003cli\u003eAn Indian-American family was harassed by a passenger after a flight from Cancun to Los Angeles. 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Loan embed","articleType":"element","createdBy":"Deepanshu Arora","createdDate":"2024-10-15T12:07:23+0000","lastModifiedBy":"D111731","lastModifiedDate":"2024-10-15T12:07:23+0000","lastPublishedBy":"D111731","lastPublishedDate":"2024-10-15T12:07:23+0000","firstPublishedDate":"2024-10-15T11:42:07+0000","metadata":{"url":"","authors":[],"charCount":0,"wordCount":0,"agency":"","status":"PUBLISHED","tags":[],"keywords":[],"section":"","column":"","subSection":"","topic":[],"topicUrls":[],"alternateSection":[],"location":[],"markUnimportant":false,"breakingNews":false,"sponsored":false,"editedBy":[],"writtenBy":[],"reportedBy":[],"agencyByLine":[],"bigStory":false,"deleteMode":null,"redirectUrl":"","videoMetadata":null,"dynamicMeta":null,"alternateUrls":null,"externalUrl":"","subSectionL2":"","design":"Design 1","canonicalUrl":"","killed":false,"killedStatusCode":0,"audioSourceUrl":"","disclaimer":"","sponsoredTitle":"","storyType":null,"jsonSourceUrl":null,"subType":null,"syndicationFeed":false,"premiumStory":false,"metaTitle":"","metaDescription":"","ytMigrated":"","handpicked":false,"audienceTags":null,"autoBackLinked":false,"autoBackLinkCount":0,"totalLinkCount":0,"vdoAiUrl":"","aiContent":false,"aiContentType":null,"removeAds":false,"contextualKeyword":null,"embedAmazonCount":0,"embedCromaCount":0,"embedFlipkartCount":0,"embedSnapdealCount":0,"typeOfFormat":null,"relatedStoryTitle":null,"relatedStoryUrl":null,"additionalFields":null,"tableOfContentsHeading":null,"authorsList":null,"performanceArticleType":null,"appCollectionPosition":0,"appDesign":"Design 1","prContextualKeywords":null,"sectionId":null,"subSectionId":null,"iconImageUrl":null},"social":{},"isDeleted":0,"webId":"","expiryDate":null,"listRelatedStories":null,"listCollectionStories":null,"listCollectionPages":null,"moreFromThisSection":null,"trending":null,"name":"","timestamp":null,"heading":null,"timeToComplete":0,"timeToCompleteinHrs":0,"tools":null,"supplies":null,"type":"embed","paragraph":null,"image":null,"video":null,"liveBlog":null,"listicle":null,"listicleType":"","listicleArray":null,"listicleBulletType":null,"listicleHeadline":null,"indicesNew":null,"relatedStories":null,"collectionStories":[],"embed":{"url":"","body":"\u003ch2\u003eWhat is a Personal Loan? \u003c/h2\u003e\n\u003ch3\u003eA loan is when a party borrows money from another party. A personal loan is a type of unsecured loan provided by\n financial institutions, including banks, credit unions, and online lenders, which can be used for various\n personal expenses. These loans do not need collateral, which means, you don't have to provide an asset (like a\n house) to secure the loan. Personal loans often come with higher interest rates as they are unsecured. Borrowers\n can use personal loans for a wide range of purposes, making them a flexible financing option.\n\u003c/h3\u003e\n\u003cbr\u003e\n\u003ch2\u003eWhen to Consider a Personal Loan?\u003c/h2\u003e\n\n\u003ch4\u003e\n \u003cul\u003e\n \u003cli\u003e\u003cstrong\u003eEmergency Expenses:\u003c/strong\u003e Personal loans can be a lifesaver in emergency situations where\n immediate funds are needed, such as unexpected medical bills or urgent home repairs. They provide quick\n access to cash without the need to liquidate investments or assets.\u003cbr\u003e\n \u003cli\u003e\u003cstrong\u003e Debt Consolidation:\u003c/strong\u003e If you have multiple debts with varying interest rates, a personal\n loan can consolidate these debts into a single payment with a potentially lower interest rate,\n simplifying your finances and possibly reducing your overall interest payments.\n \u003cli\u003e\u003cstrong\u003eLarge Purchases:\u003c/strong\u003e Financing significant expenses, like weddings, vacations, or major\n appliances, can be more manageable with a personal loan. This allows you to spread the cost over a\n period of time rather than paying upfront.\u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eHome Improvement:\u003c/strong\u003ePersonal loans can fund home renovation or remodeling projects,\n helping you increase the value of your property without tapping into your home equity.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eEducational Expenses:\u003c/strong\u003e While student loans are specifically designed for education\n costs, a personal loan can cover additional expenses like books, supplies, or living costs if student\n loans fall short.\n \u003c/li\u003e\n\n\u003c/h4\u003e\n\u003ch2\u003eWhere to secure a Personal Loan from?\u003c/h2\u003e\n\u003ch4\u003e\n \u003cul\u003e\n \u003cli\u003e\u003cstrong\u003eBanks: \u003c/strong\u003eTraditional banks offer personal loans with a wide range of terms and interest\n rates. They often require a strong credit history and proof of stable income.\u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eCredit Unions: \u003c/strong\u003e Credit unions typically offer lower interest rates and more flexible terms\n compared to traditional banks, as they are member-owned institutions focused on serving their members.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eOnline Lenders: \u003c/strong\u003eThese lenders provide a convenient application process and quick approval\n times. They often cater to a broader range of credit profiles, making them a viable option for those with\n less-than-perfect credit.\u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003ePeer-to-Peer Lending Platforms: \u003c/strong\u003eThese platforms connect borrowers directly with individual\n investors. They often offer competitive rates and may be more lenient with credit requirements.\u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eFinancial Institutions: \u003c/strong\u003eVarious financial institutions, including specialized loan\n companies, offer personal loans tailored to specific needs, such as medical expenses or home improvements.\n \u003c/li\u003e\n \u003c/ul\u003e\n\u003c/h4\u003e\n\u003ch2\u003eHow to Apply for a Personal Loan?\u003c/h2\u003e\n\u003ch4\u003e\n \u003col class=\"mtop\"\u003e\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eCheck Your Credit Score: \u003c/strong\u003e\u003cbr\u003eYour credit score significantly impacts your loan\n eligibility and the interest rate you'll receive. Check your score and address any discrepancies before\n applying.\n \u003c/h3\u003e\n \u003c/li\u003e\n\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eGather Documentation: \u003c/strong\u003e\n \u003cbr\u003ePrepare necessary documents such as proof of income (pay stubs or tax returns), identification\n (driver's license or passport), and employment history. Having these ready can speed up the application\n process.\n\n \u003c/h3\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eFill Out the Application:\u003c/strong\u003e \u003cbr\u003eComplete the loan application form\n accurately. You can typically do this online or in-person at a bank or credit union.\u003c/h3\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eReview the Terms:\u003c/strong\u003e \u003cbr\u003eCarefully read and understand the loan terms\n before accepting. Pay attention to the interest rate, repayment schedule, fees, and any prepayment\n penalties.\u003c/h3\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eReceive Funds: \u003c/strong\u003e\u003cbr\u003e\n Upon approval, the funds are usually deposited directly into your bank account. This can take anywhere\n from a few hours to a few days, depending on the lender.\n \u003c/h3\u003e\n \u003c/li\u003e\n \u003c/ol\u003e\n\u003c/h4\u003e\n\u003ch2\u003eWho Can Apply for a Personal Loan?\u003c/h2\u003e\n\u003ch4\u003e\n \u003cul\u003e\n \u003cli\u003e\u003cstrong\u003eEmployed Individuals: \u003c/strong\u003e\n Those with a stable job and a steady income are typically eligible for personal loans, as lenders view them\n as lower-risk borrowers.\n\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eSelf-Employed Individuals: \u003c/strong\u003eBusiness owners or freelancers with a consistent income can also\n apply. They may need to provide additional documentation, such as business tax returns or bank statements,\n to prove their income.\n\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eStudents: \u003c/strong\u003e\n Students may be eligible for personal loans, especially if they have a co-signer with a good credit history.\n This can help cover expenses not fully funded by student loans.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eRetirees: \u003c/strong\u003eSeniors with a reliable pension or other income sources can qualify for personal\n loans, provided they meet the lender's criteria for creditworthiness and income stability.\u003c/li\u003e\n \u003c/ul\u003e\n\u003c/h4\u003e\n\u003ch2\u003eWho to Contact for a Personal Loan?\n\u003c/h2\u003e\n\u003ch4\u003e\n \u003cul\u003e\n \u003cli\u003e\u003cstrong\u003eLoan Officers: \u003c/strong\u003eBank representatives who specialize in loan products. They can provide\n detailed information about the loan process and help you choose the right loan for your needs.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eCustomer Service Representatives: \u003c/strong\u003eAvailable at financial institutions to answer queries and\n assist with the application process. They can provide information about loan products and eligibility\n requirements.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eOnline Support: \u003c/strong\u003eMany lenders offer chat or email support for quick assistance. This can be\n a convenient way to get answers to your questions and resolve issues during the application process.\n \u003c/li\u003e\n \u003c/ul\u003e\n\u003c/h4\u003e","option":{},"title":"","backgroundColor":"#ffffff","fontColor":"#212121","labelEnabled":false,"label":{"text":"","backgroundColor":"","fontColor":""},"body2":"\u003ch2\u003eWhat is a Personal Loan? \u003c/h2\u003e\n\u003ch3\u003eA loan is when a party borrows money from another party. A personal loan is a type of unsecured loan provided by\n financial institutions, including banks, credit unions, and online lenders, which can be used for various\n personal expenses. These loans do not need collateral, which means, you don't have to provide an asset (like a\n house) to secure the loan. Personal loans often come with higher interest rates as they are unsecured. Borrowers\n can use personal loans for a wide range of purposes, making them a flexible financing option.\n\u003c/h3\u003e\n\u003cbr\u003e\n\u003ch2\u003eWhen to Consider a Personal Loan?\u003c/h2\u003e\n\n\u003ch4\u003e\n \u003cul\u003e\n \u003cli\u003e\u003cstrong\u003eEmergency Expenses:\u003c/strong\u003e Personal loans can be a lifesaver in emergency situations where\n immediate funds are needed, such as unexpected medical bills or urgent home repairs. They provide quick\n access to cash without the need to liquidate investments or assets.\u003cbr\u003e\n \u003cli\u003e\u003cstrong\u003e Debt Consolidation:\u003c/strong\u003e If you have multiple debts with varying interest rates, a personal\n loan can consolidate these debts into a single payment with a potentially lower interest rate,\n simplifying your finances and possibly reducing your overall interest payments.\n \u003cli\u003e\u003cstrong\u003eLarge Purchases:\u003c/strong\u003e Financing significant expenses, like weddings, vacations, or major\n appliances, can be more manageable with a personal loan. This allows you to spread the cost over a\n period of time rather than paying upfront.\u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eHome Improvement:\u003c/strong\u003ePersonal loans can fund home renovation or remodeling projects,\n helping you increase the value of your property without tapping into your home equity.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eEducational Expenses:\u003c/strong\u003e While student loans are specifically designed for education\n costs, a personal loan can cover additional expenses like books, supplies, or living costs if student\n loans fall short.\n \u003c/li\u003e\n\n\u003c/h4\u003e\n\u003ch2\u003eWhere to secure a Personal Loan from?\u003c/h2\u003e\n\u003ch4\u003e\n \u003cul\u003e\n \u003cli\u003e\u003cstrong\u003eBanks: \u003c/strong\u003eTraditional banks offer personal loans with a wide range of terms and interest\n rates. They often require a strong credit history and proof of stable income.\u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eCredit Unions: \u003c/strong\u003e Credit unions typically offer lower interest rates and more flexible terms\n compared to traditional banks, as they are member-owned institutions focused on serving their members.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eOnline Lenders: \u003c/strong\u003eThese lenders provide a convenient application process and quick approval\n times. They often cater to a broader range of credit profiles, making them a viable option for those with\n less-than-perfect credit.\u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003ePeer-to-Peer Lending Platforms: \u003c/strong\u003eThese platforms connect borrowers directly with individual\n investors. They often offer competitive rates and may be more lenient with credit requirements.\u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eFinancial Institutions: \u003c/strong\u003eVarious financial institutions, including specialized loan\n companies, offer personal loans tailored to specific needs, such as medical expenses or home improvements.\n \u003c/li\u003e\n \u003c/ul\u003e\n\u003c/h4\u003e\n\u003ch2\u003eHow to Apply for a Personal Loan?\u003c/h2\u003e\n\u003ch4\u003e\n \u003col class=\"mtop\"\u003e\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eCheck Your Credit Score: \u003c/strong\u003e\u003cbr\u003eYour credit score significantly impacts your loan\n eligibility and the interest rate you'll receive. Check your score and address any discrepancies before\n applying.\n \u003c/h3\u003e\n \u003c/li\u003e\n\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eGather Documentation: \u003c/strong\u003e\n \u003cbr\u003ePrepare necessary documents such as proof of income (pay stubs or tax returns), identification\n (driver's license or passport), and employment history. Having these ready can speed up the application\n process.\n\n \u003c/h3\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eFill Out the Application:\u003c/strong\u003e \u003cbr\u003eComplete the loan application form\n accurately. You can typically do this online or in-person at a bank or credit union.\u003c/h3\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eReview the Terms:\u003c/strong\u003e \u003cbr\u003eCarefully read and understand the loan terms\n before accepting. Pay attention to the interest rate, repayment schedule, fees, and any prepayment\n penalties.\u003c/h3\u003e\n \u003c/li\u003e\n \u003cli\u003e\n \u003ch3\u003e\u003cstrong\u003eReceive Funds: \u003c/strong\u003e\u003cbr\u003e\n Upon approval, the funds are usually deposited directly into your bank account. This can take anywhere\n from a few hours to a few days, depending on the lender.\n \u003c/h3\u003e\n \u003c/li\u003e\n \u003c/ol\u003e\n\u003c/h4\u003e\n\u003ch2\u003eWho Can Apply for a Personal Loan?\u003c/h2\u003e\n\u003ch4\u003e\n \u003cul\u003e\n \u003cli\u003e\u003cstrong\u003eEmployed Individuals: \u003c/strong\u003e\n Those with a stable job and a steady income are typically eligible for personal loans, as lenders view them\n as lower-risk borrowers.\n\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eSelf-Employed Individuals: \u003c/strong\u003eBusiness owners or freelancers with a consistent income can also\n apply. They may need to provide additional documentation, such as business tax returns or bank statements,\n to prove their income.\n\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eStudents: \u003c/strong\u003e\n Students may be eligible for personal loans, especially if they have a co-signer with a good credit history.\n This can help cover expenses not fully funded by student loans.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eRetirees: \u003c/strong\u003eSeniors with a reliable pension or other income sources can qualify for personal\n loans, provided they meet the lender's criteria for creditworthiness and income stability.\u003c/li\u003e\n \u003c/ul\u003e\n\u003c/h4\u003e\n\u003ch2\u003eWho to Contact for a Personal Loan?\n\u003c/h2\u003e\n\u003ch4\u003e\n \u003cul\u003e\n \u003cli\u003e\u003cstrong\u003eLoan Officers: \u003c/strong\u003eBank representatives who specialize in loan products. They can provide\n detailed information about the loan process and help you choose the right loan for your needs.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eCustomer Service Representatives: \u003c/strong\u003eAvailable at financial institutions to answer queries and\n assist with the application process. They can provide information about loan products and eligibility\n requirements.\n \u003c/li\u003e\n \u003cli\u003e\u003cstrong\u003eOnline Support: \u003c/strong\u003eMany lenders offer chat or email support for quick assistance. This can be\n a convenient way to get answers to your questions and resolve issues during the application process.\n \u003c/li\u003e\n 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U.S. LNG exports to Europe surged in November as the world's largest producer of the superchilled gas sent more cargoes to the continent and fewer to Asia and Latin America, according to preliminary data from financial firm LSEG. \u003c/p\u003e\u003cp\u003e European natural gas prices climbed in November to their highest levels in two years on fears remaining Russian pipeline supplies to Europe will be halted or face further curtailment. \u003c/p\u003e\u003cp\u003e European natural gas prices averaged $12.90 per mmbtu in November, more than a dollar higher than $11.79 in October and higher than $12.32 in September, with the benchmark front-month contract at the Dutch TTF hub reaching 49.03 euros per megawatt hour on Nov. 22, equivalent to $14.97 per million British thermal units . \u003c/p\u003e\u003cp\u003e The United States is the world's largest LNG exporter and played a major role in 2022 after Russia's invasion of Ukraine led to sharp reductions in Europe's access to Russian gas imports. \u003c/p\u003e\u003cp\u003e Nearly seven of every 10 U.S. LNG cargoes headed to Europe in November as LNG exports rose to more than 7.75 million metric tons , up from 7.56 MT in October, with cooler weather favoring higher output, according to LSEG data. \u003c/p\u003e\u003cp\u003e Exports to Europe reached 5.09 MT in November or 68% of total LNG exports, up from 3.65 MT, or just under 48% of total exports recorded in October. Asia accounted for about a fifth of total exports, according to LSEG data. \u003c/p\u003e\u003cp\u003e The U.K. was a major player in the market, buying .81 MT, or one in every seven cargoes sold to the continent, according to LSEG data. \u003c/p\u003e\u003cp\u003e With the arbitrage favoring Europe, U.S. LNG exports to Asia fell to 1.64 MT or 21% of total exports in November, from 2.67 MT or 35% in October, LSEG data showed. \u003c/p\u003e\u003cp\u003e There were fewer U.S. LNG cargoes destined for Latin America in November with only .58 MT sold to the U.S. neighbors in November, down from .9 MT in October, LSEG data showed. \u003c/p\u003e\u003cp\u003e There were three cargoes sent to Egypt for a total of .23 MT and three cargoes for a total .21 MT that were for orders with no set destination as of Nov. 30. \u003c/p\u003e\u003cp\u003e U.S. producers have been ramping up output as the weather cools with top exporter Cheniere Energy leading the way. On Monday, Cheniere was expected to pull over 5 billion cubic feet of natural gas for the fifth time in seven days at its Sabine Pass, Louisiana, export plant, according to LSEG data. \u003c/p\u003e\u003cp\u003e Overall U.S. LNG natural gas demand averaged 13.65 bcf per day in November and could have been higher had the second-largest U.S. LNG exporter, Freeport LNG, not experience several outages in November, LSEG data showed. \u003c/p\u003e\u003cp\u003e With the United States expecting first LNG in December from Venture Global's 20 MTPA Plaquemines LNG plant in Louisiana and Cheniere's 10 MTPA midscale expansion project, also in the Pelican state, this month could challenge the U.S. all-time record LNG production. \u003c/p\u003e\u003cp\u003e\u003cstrong\u003eThis article was generated from an automated news agency feed without modifications to text.\u003c/strong\u003e\u003c/p\u003e"},"image":null,"video":null,"liveBlog":null,"listicle":null,"listicleType":"","listicleArray":null,"listicleBulletType":null,"listicleHeadline":null,"indicesNew":null,"relatedStories":null,"collectionStories":null,"embed":null,"collectionPages":null,"elements":null,"listElement":null,"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"","summary":"","quickReadSummary":"","mobileHeadline":"","mobileAppNotificationHeadline":"","browserNotificationHeadline":"","facebookHeadline":"","subType":"","jsonSourceUrl":"","twitterHeadline":"","urlHeadline":"","leadMedia":null,"timeToRead":null,"linkStoryId":null,"introBody":"","webType":"","related":null,"showRelated":null,"newsletterHeadline":"","newsletterSummary":"","webStorySlide":null,"logoUrl":null,"logoPosition":null,"hasSlideImage":false,"hasSlideVideo":false,"hasLogoImage":false,"creditInfo":null,"altText":null,"metaTitle":null,"metaDescription":null,"keywords":null,"slideAnimation":"","sampleImagesIdList":[],"sampleImages":[],"personalisedSection":null,"personalisedSectionId":null,"paywallElement":false,"faqSectionHeading":null,"faqs":null,"tagline":null,"tabElements":null,"quiz":null,"poll":null,"bgParaColor":null,"quoteDesign":null,"contentHeading":null,"multipleLeadMediaIds":[],"multipleLeadMediaImages":[],"alsoReadStories":null,"alsoReadStoryIdList":null,"alsoReadStoriesUrl":null,"listCollectionPrimaryPages":null,"storySlug":null,"storyTemplate":null,"steps":null}],"amazonAds":null,"flipkartAds":null,"cromaAds":null,"containAffiliateEmbed":false,"affiliateEmbedHeadline":true,"headline":"US LNG exports to Europe surge in November on higher prices ","summary":"USA-LNG/EXPORTS (PIX):US LNG exports to Europe surge in November on higher prices ","quickReadSummary":"U.S. LNG exports to Europe surged in November, reaching 5.09 million tons, driven by high European gas prices amid fears of reduced Russian supplies. 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As of today, I am leaning toward continuing the work we have started in returning monetary policy to a more neutral setting\" with continued rate cuts, said Waller, who has been a key voice in shaping the Fed's response to inflation that erupted to a 40-year high in 2022. \u003c/p\u003e\u003cp\u003e The Fed began reducing interest rates in September with a half-point reduction, following that with a quarter-point cut in November. \u003c/p\u003e\u003cp\u003e A further quarter-point cut in December has been expected, but recent inflation data raised concern that progress may have stalled. One key measure, the personal consumption expenditures price index stripped of food and energy costs, has been mired in a range from 2.6% to 2.8% since May, well above the Fed's 2% target. \u003c/p\u003e\u003cp\u003e \"If the data we receive between today and the next meeting surprise in a way that suggests our forecasts of slowing inflation and a moderating but still-solid economy are wrong, then I will be supportive of holding the policy rate constant,\" Waller said. \u003c/p\u003e\u003cp\u003e He said rates are also likely to continue falling next year, though the pace and degree of reduction remain to be determined. The Fed will issue new economic projections at its next meeting to show how far officials expect to cut their benchmark rate next year. \u003c/p\u003e\u003cp\u003e The rate is currently set in a range between 4.5% and 4.75%. \u003c/p\u003e\u003cp\u003e \"The evidence is strong that policy continues to be significantly restrictive and that cutting again will only mean that we aren’t pressing on the brake pedal quite as hard,\" Waller said. \"I expect rate cuts to continue over the next year until we approach a more neutral setting of the policy rate.\" \u003c/p\u003e\u003cp\u003e Recent data \"tells a fairly consistent story over the past year about moderating demand relative to supply, consistent with continued progress toward 2% inflation and without an undesirable weakening in the labor market,\" said Waller, a fitness buff who compared the Fed's battle with inflation to a mixed martial arts fighter in that sport's unique arena. \u003c/p\u003e\u003cp\u003e \"Let me assure you that submission is inevitable — inflation isn’t getting out of the octagon,\" Waller said. 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