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Privacy Guaranteed - your email is never shared with anyone, opt out any time. ![]() XR 41 Press release - July 2024Monday 15th July 2024 X-Yachts Announces Partnership with Renowned Yachtsman Jesper Radich for XR 41 Racing Program.Press release Haderslev, 15.07.24 X-Yachts is thrilled to announce its cooperation with renowned yachtsman Jesper Radich. Radich will lead X-Yachts’ 2025 racing program as the skipper of their XR 41 yacht. “We are very excited about partnering with Jesper,” says Kræn B. Nielsen, CEO of X-Yachts. “From the very beginning of the XR-project, we have collaborated with some of the brightest minds in the industry. It is only natural to continue this path in both development and in actual racing.” ![]() About X-Yachts X-Yachts is a Danish company specializing in designing and manufacturing high-performance sailing yachts. Founded in 1979 by brothers Niels and Lars Jeppesen along with their partner Birger Hansen, X-Yachts has built a strong reputation for producing yachts that combine racing performance with cruising comfort. About Jesper Radich Jesper Radich is a Danish professional sailor and coach with numerous titles under his belt, including the World Match Racing Tour and several European and World Championships in Maxi yacht, One-design and ORC classes. He participated in the 2005-07 Americas Cup in Valencia as helmsman for the Spanish Desafío Español. He holds a Master’s degree in Social Science/Learning with a minor in Physical Education from the University of Copenhagen. ![]() Press Contact: Kræn Brinck Nielsen CEO X-Yachts [email protected] +45 26 77 24 23 Never miss another storyGet the latest news from X-Yachts, direct to your inbox each month. ![]() Join our Mailing ListJoin our monthly email mailing list to get all the latest information and news from X-Yachts directly in your inbox.
![]() X-Yachts X-41 review: from the archive![]()
First of all, the X-Yachts X-41 is not simply a larger X-35. ![]() The mainsheet is led under the side decks to the aft pair of cockpit winches. Credit: X-Yachts Credit: X-Yachts Product OverviewManufacturer:. Although they are clearly from the same stable, Niels Jeppesen has given her a deep T-keel for stability. But the X-Yachts X-41 carries a comparatively lower sail area than her sister. The reason for this, according to Jeppesen, is that the X-Yachts X-35 was designed specifically to establish a class in the Mediterranean, requiring plenty of sail to cope with light conditions. Choosing to market her as a one-design has also let X-Yachts fit her with all the toys as standard – carbon spars, wheel and some tidy line handling arrangements. The deck layout of the X-Yachts X-41 rewards close scrutiny. There’s an abundance of tweaks to be made, with barber haulers for the head sail and spinnaker sheets and powerful outhaul, cunningham and kicker purchases led to camcleats on both sides of the coach roof. The mainsheet is led under the side decks to the aft pair of cockpit winches, avoiding any trip or chafe problems for crew sitting out. A powerful traveller runs the full width of the cockpit within easy reach of the helm or the main trimmer. Both mainsheet and traveller lines are continuous, the traveller line routed through small blocks clipped to the guard wires to keep it to hand. Backstay adjustment is through X-Yachts’ patented Magic Wheel, as fitted to the IMX40, IMX45 and most recently the X-35. This impressive system uses a huge drum below decks to provide most of the purchase, allowing rapid backstay adjustment simply by pulling a lot of line. It’s tidy and quicker than hydraulics and is routed conveniently through a small tube which emerges just below the centre of the traveller. The innovations don’t stop there. X-Yachts have fitted Harken’s dual diameter Quattro winches to the coachroof, which allow fast sheeting of the spinnaker sheets via the large diameter drum or a lower gear by simply shifting the line up to the main drum and self-tailer. ![]() The big carbon wheel was comfy to use from either side of the cockpit and offered a good view forward. Lifting the GRP cover below the helmsman’s feet reveals another clever detail – the quadrant is immediately abaft the helm and as close to the centre of the wheel as possible, allowing short cables to be used and eliminating slack. All good in theory, but does it work on the water? In a word, yes. The X-Yachts X-41 is a thoroughbred racer which is already showing her class – the team won the first race of the Warsash Spring Series by 15 minutes on corrected time. We sailed the boat twice; once for the second race of the series, then later for a detailed test. On the first occasion, the wind ranged from 30-38 knots, giving us a fast run to the course and race organisers the jitters. A stiff performerThey cancelled the race, but skipper Jochem Visser suggested we should go for a sail anyway. It was a bumpy ride upwind under reefed main and jib, conditions that the hull’s steel reinforcement, which picks up rig and keel load, is designed to counteract. Turning for the spinnaker run, we drove the boat hard, surfing down waves to reach speeds up to 15 knots. The 12 crew were necessary to sail and balance the boat in these conditions and proved that the large cockpit could work well when fully crewed. The second session couldn’t have been more different – bright sunshine and light winds averaging six knots. ![]() The crew of 12 were essential for spinnaker work and helpful weight on the wind. Sailing upwind and sacrificing a little height for power, the X-Yachts X-41 turned in a more than respectable five to six knots, often matching or exceeding the true wind speed. She responded well to crew placement, delivering much better helm balance with plenty of weight to leeward. The big carbon wheel was comfy to use from either side of the cockpit and offered a good view forward, and there were plenty of brace points for the helmsman whatever the steering position. Helming was finger-light yet positive – the boat responded well to small corrections and the steering system showed no slack. Even in these light airs, feedback was good and she proved easy to keep in the groove. ![]() Upwind in 30 knots: the X-41 proved a good all-rounder. Tacking is fast and straightforward thanks to the non-overlapping rig. Bearing away and hoisting a symmetric spinnaker, we nudged seven knots, reaching as the wind filled in slightly. Again, she proved positive to handle, rewarding puffs of wind with good acceleration. Under engine the 41 performed well, cruising at over eight knots and reaching just over nine knots flat out. As can be expected from her narrow keel. the turning circle was tight – 1.25 boat lengths – and performance astern was secure and positive. Although primarily a racing boat, the X-Yachts X-41 still offers a few cruiser comforts. The cockpit is a good width for bracing and deep enough to feel secure, and has two good lockers for fenders and lines plus a large lazarette accessed through the floor behind the helm. The racing foil on the headstay can be replaced with roller-reefing gear with the drum mounted below deck. But the really neat concession to cruising is the anchor box. X-Yachts’ system lets you fit an anchor well and windlass which can be entirely removed when racing, using a fully sealed hatch to prevent water ingress. It’s not a quick job, admittedly, but impressive nonetheless. Light and welcomingThe interior layout is similar to that of the X-35, but the extra length has allowed a few welcome changes, notably a larger galley, forward-facing nav station and doors and lockers for the aft cabins. Yet the first impression below is of simplicity – there’s a light, welcoming feel thanks to teak being restricted to necessary joiner work, a generous use of white and lots of opening lights and hatches. Starting at the bow, there’s a zippered, mesh panel which opens into an empty bow cavity suitable for sail stowage, but would be filled with the anchor box when cruising. The forecabin has a conventional triangular berth, its split mattress easily moved to allow access beneath the berth. The hatches which offer access to this stowage space are too narrow to accept anything but the smallest sails, but provide plenty of stowage for other objects. Other stowage is provided by a large locker with hanging and shelving space. Both aft cabins feature a similar locker. ![]() The heads and shower are basic, but practical. Forward and accessed through the saloon, the heads is large enough for showering and has a large locker behind the usual mirrored doors the space below the sink is left open. The saloon has two long settees either side of a drop-leaf table. As on the X-35, the seat backs hinge upwards, giving access to the full width of the cushions when sleeping. It’s a shame no extra cushion is provided, so that the hinged section can double as an upper berth. That said, because the boat is able to sleep ten, few people are likely to find this restricting. ![]() Plenty of white makes a bright interior. The settee cushions and their plywood bases also hinge up to allow access to the water tank to port and diesel tank to starboard, plus limited stowage. Grab handles below the portlights run throughout the saloon. A large nav station is at the foot of the companionway, with plenty of space for paper and electronic navigation. Stowage is in a stack of four drawers in the pedestal and there’s even a handy pen box under a flap in the chart table top. Opposite, the galley is large enough for standard cooking and has good stowage above the stove. However, less successful is the stack of four drawers adjacent to the stove – with an inside width of only 9cm, you have to wonder how useful they will be. The simple aft cabins have a large locker each and berths that are mounted low in the boat, with little space beneath. A pipecot is also fitted should you need to squeeze three people into each cabin. The engine box, which protrudes into both cabins, can be readily removed, as can the companionway steps, to provide superb all-round engine access. For sheer adrenalin, the X-Yachts X-41 takes the honours. She’s fast and fun, and rewards careful trim and handling with clear returns of speed. The big rig, deep draught and high sail area/displacement creates a stiff, responsive yacht that can put a smile on your face and some results on the board. My guess is that X-Yachts X-41’s will spend most of their time in racing mode. That said, just as many a sports car driver has never been near a track, several owners of the 40 or so boats already pre-sold admitted that they never plan to race at all. First published in the June 2007 issue of YW. If you enjoyed this….Yachting World is the world’s leading magazine for bluewater cruisers and offshore sailors. Every month we have inspirational adventures and practical features to help you realise your sailing dreams. Build your knowledge with a subscription delivered to your door. See our latest offers and save at least 30% off the cover price. trending now in Entertainment![]() Inside Tom Brady's low-key night out with son Jack, 16, at NYC...![]() Mauricio Umansky packs on PDA with mystery woman in Mykonos after...![]() Britney Spears tells ‘boring’ Osbourne family to ‘f–k...![]() Jennifer Lopez spends Ben Affleck wedding anniversary driving...![]() Travis Kelce spotted at Taylor Swift's Eras Tour in Germany ahead...![]() Katie Maloney eviscerates Tom Sandoval for suing Ariana Madix![]() Angelina Jolie asks Brad Pitt to 'end the fighting' and drop his...![]() Maren Morris reacts to viral wardrobe malfunction: 'Did anything...Dave portnoy rescued by coast guard after making ‘critical mistake’ on boat: i was nearly ‘lost at sea’.
Thanks for contacting us. We've received your submission. Dave Portnoy had to be rescued by the US Coast Guard on Monday after he and his boat were “nearly lost” at sea. “Your boys almost lost Captain Dave today. Captain Dave almost was lost to the ocean, mother ocean,” the Barstool Sports founder, 47, revealed in a video shared via X . Portnoy went on to explain that he was planning to take his mom, Linda, out for a boat ride off Nantucket as she was in town visiting him at this home in Massachusetts. However, when Portnoy unhooked the 28-foot vessel from the dock and buoys, he realized he made a “critical mistake” as the boat had “no power, no radio, no anchor, no nothing” amid “heavy, heavy winds.” ![]() “Next thing you know, Captain Dave is lost at sea,” he recalled. “[The boat’s] just blowing, [I’m] trying not to crash into ships in the harbor.” Portnoy said he started screaming for help and also used a flare gun to send a stress signal. Luckily, a woman in a “rowboat” saw him and made her way over to him to assist. “She boards Captain Dave’s vessel, says, ‘Can I make a TikTok of you, Captain Dave?’ I said, ’No time for TikToks.’ She goes, ‘Well, I don’t have my phone on me anyways,’” he remembered. “[But] her radio works [and she] calls in the Coast Guard.” ![]() Want more celebrity and pop culture news?Start your day with Page Six Daily. ![]() Thanks for signing up!Please provide a valid email address. By clicking above you agree to the Terms of Use and Privacy Policy . Want celebrity news as it breaks? Hooked on Housewives? Portnoy said that four “burly dudes” from the US Coast Guard arrived shortly after the call was made. “Captain Dave is out at sea going back and forth, rocking, thinks my life is over. Captain Dave had to be halfway to f–king the Caribbean just rocking, no power, no boat,” he shared. “Thankfully, Coast Guard, God bless her soul, tied me up, brings me back to my [dock]. Dave lives to tell another tale.” ![]() Portnoy admitted that the ordeal definitely took a toll on him but is thankful to the US Coast Guard for “saving” his life. He called boating “a dangerous game” and told fans that he “may never go on the boat again” following the stressful incident. The US Coast Guard Northeast X account later reposted his video, adding, “You’re welcome, Dave. Tell [your dog] Miss Peaches we said hi and remember to boat safe! #SemperParatus.” ![]() As previously reported, the internet personality has spent his summers in the idyllic vacation town for years before purchasing a whopping $42 million mansion last year . The incident marked the second time this summer that Portnoy has had a scare, since he recently revealed that he had a mole removed from his neck after discovering he had skin cancer . “So it was a mole. I’m starting to get on top of myself so I went to a doctor, did the skin thing and they scrape it and one of them came back as, like, cancerous, so it’s like, ‘Boop, gotta take it out,’” he said last month during one of his podcast episodes. ![]() Advertisement Yachting Monthly
![]() X40 test: A reminder of how good a sub-40ft yacht can feel![]()
Light winds don’t usually make for fast or enjoyable boat tests, but most boats tested aren’t like X-Yachts’ new X40. Graham Snook heads to Denmark to put her through her paces ![]() Vacuum-infused epoxy makes the hull lighter and stiffer than an equivalent polyester hull. Credit: Graham Snook The new yacht in X-Yacht’s XRange is not a 40-footer. Let’s get that out of the way now – the X40 is 37ft 8in. She’s great fun, and has the nimble feel and speed that most 40-footers can only dream of, but don’t think she has the accommodation of a 40ft yacht; the 40 in her name is her length overall, including her bowsprit. Her interior is stylish, practical and well put together, she’s easily handled by a couple and can take you cruising in speed and style. With that clarified, I can start telling you all how good she is and, oh my, she is good. It’s rare I’ll find myself having a great sail in less than 10 knots of breeze. ![]() A soft chine in the aft sections helps makes the hull more powerful. Credit: Graham Snook To be fair it’s also rare to sail a 40ft, sorry, 38ft, yacht with Technora sails and a carbon fibre mast and boom and a 2.40m draught. But sailing south from Aarøsund in Denmark in 9 knots of breeze, we were having a blast and she was romping along going to windward at over 7 knots. X-Yachts has long been a brand of proper sailing boats, thoroughbreds born to be sailed, not just comfortable yachts with masts and sails. Its boats are well-mannered and sail fast; with its heritage in racing, even X-Yachts’ cruising range has a good turn of speed. X-Yachts currently build three ranges of yachts; Xc for cruising, Xp for performance, and the latest XRange. The boats in each may be similar lengths, but each are different from the keel up. The new X40 is not just the comfortable interior of the Xc38 crammed into the sleek hull of the Xp38. The hull design characteristics on all three ranges are different: the Xc hulls have more volume to support the extra clobber required by the extended cruising sailor; the Xp are narrower with much slimmer bow sections; and the X40’s hull has more rocker than the Xp while its broader forward sections give more space for the owner’s cabin and wider aft sections with a soft, subtle chine, giving more volume aft. ![]() The self tacking jib is standard. The genoa and fittings are optional. Credit: Graham Snook While X’s Xp yachts have gained a more cruiser-friendly interior over time, they retain weight-saving features, less joinery (although, don’t for a minute think they are stripped out racers) and a carbon-reinforced subframe. The XRange, in contrast, carries over some of the Xp’s sporty handling while keeping features reassuring to cruising sailors: lots of useful deck stowage, good headroom and a galvanised steel sub-frame beneath the sole which spreads the loads from the keel and mast. With the average size of yachts gradually increasing to over 40ft, it is easy to become accustomed to their way of sailing. There’s nothing wrong with the feel but, like the freedom of an empty winding road after being stuck behind a tractor, sailing the X40 is a reminder of how good a sub-40ft yacht can feel. She strikes a lovely balance of nimbleness and control without being twitchy. Leave the wheel and she will veer off course, but the helm is so enjoyable you won’t want to leave it. The test boat was fitted with a B&G hydraulic autopilot ram. In the past, when manufacturers have blamed the autopilot for heaviness to the helm, I’ve asked for it to be removed – and the autopilot wasn’t always the cause. On this occasion, without the ram fitted the wheel had the unrestricted preciseness I have come to expect from Jeffa cable steering, and it felt instantly lighter. THE TEST VERDICTThere is no doubt that X40 is one of my favourite production boats; everything about her just seems right. Of course, for a boat of this quality you pay handsomely for it and this boat did have more than £100,000 of extras added. ![]() The Nordic oak used for the interior woodwork exudes quality and warmth. Credit: Graham Snook No doubt these improved her performance, and it would have been nice to see how good she was without the carbon rig and with her standard 2.1m draught keel. As she was, though, not many boats of her length can rival her, given the comfort and build quality that’s down below and, of course, the speed you’ll be sailing. READ THE FULL TEST IN THE OCTOBER 2019 ISSUE. GET IT HERE This two-cabin layout worked well and provided plenty of stowage. A three-cabin layout will be available, but you’ll lose the chart table and much of the spacious heads compartment; given it’s the only heads on board, it is a compromise you’d want to weigh up carefully. The three-cabin layout works better on the larger X43 where less compromise is needed. Boats to rival her are few and far between, though she sits between the more expensive Faurby 396 and the Arcona 380. While all three of these boats sail well it would be unfair to just look at the bottom line as each yacht has her own merits. Which would I choose? That is a very tough decision and one I am loath to commit to with so few words to pontificate with. WOULD SHE SUIT YOU AND YOUR CREW?At 38ft, the X40 squeezes in under the 12m mark, meaning that sails, loads, berthing and costs are all kept within bounds. The size of the yacht and her sails feel less intimidating than those on a yacht above 40ft. If you’ve enjoyed racing in the past and still feel the need for speed, but now want a little more comfort – and you have the funds available – this boat is a good choice. ![]() The cockpit is long with supportive coamings. Genoa winches are optional. Credit: Graham Snook She’s a high-spec cruiser that is hugely rewarding and fun to helm, with a very comfortable, stylish interior. It’s very rare for me to give gushing praise of a yacht. Boats as good as this don’t come along that often, but when they do, I feel like I have the best job in the world.
Best Personal Loan Companies of July 2024Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate personal loans to write unbiased product reviews. Personal loans are excellent options for people in need of cash to cover a wide range expenses like medical bills, home improvement projects, weddings, startup costs for a business, moving costs, and more. One of the most common reasons people take out personal loans is for debt consolidation. There are personal loans for borrowers who want a sizeable chunk of money and for those who just need a small amount to tide them over. Best Personal Loans of 2024 Summary
Compare Personal Loan Rates Top Personal Loans ComparisonThe best personal loans will offer fast money when you need it, without astronomical fees and interest rates. We looked at loan providers that cater to a variety of credit scores and offer a range of loan term lengths. The best personal loans aren't necessarily from big-name banks; credit unions generally offer lower interest rates, and you can find strong options through online banks, too. Here are the best personal loans as picked by Business Insider editors in 2024. Best Personal Loan for Excellent CreditLightStream Personal Loan LightStream stands out with some of the lowest personal loan rates available for borrowers with excellent credit scores. Truist created LightStream for online loans, and the bank offers personal loans for things like home remodels, medical debt, and debt consolidation. Look out for: High credit score requirements. LightStream's minimum credit requirement for a personal loan is 660, so this lender might not be right for all credit types. LightStream Personal Loan Review Best Personal Loan for Customer SupportService credit union personal loan. Service Credit Union has some of the best customer support among personal loan lenders and can get you your money fast. Customer support is available 24 hours a day, seven days a week. The approval process takes about 24 hours, and after your loan application is accepted, you may be able to have the funds in your account the same day. Look out for: Membership requirements. Much like with most credit unions, you'll need to meet certain requirements to be eligible. If you've served in the military or Department of Defense or work at qualifying associations or organizations, you'll qualify. If that doesn't apply to you, you can join the American Consumer Council for free with a promo code. Service Credit Union Personal Loan Review Best Personal Loan for Small Loan AmountsPenfed credit union personal loan. PenFed Credit Union offers personal loans for smaller amounts than many other lenders, making it a good choice for those who just need to borrow a little bit of money for a short time. PenFed will lend you as little as $600. This could make the credit union an attractive alternative to a payday loan. Look out for: Membership requirements. You don't need to be a member of the credit union to apply for a personal loan, but you'll have to be a member to get your loan. If you've served in the military or work at qualifying associations or organizations, you'll qualify. However, you have a pretty easy workaround if that doesn't apply. You can join by opening a savings account with a $5 minimum deposit. PenFed Personal Loan Review Best Personal Loan for Fair CreditSofi personal loan. SoFi personal loans have a minimum credit score requirement of 680, at the lower end of what's considered a good credit score. People with a good credit score will likely be able to get a good rate with SoFi, but borrowers with an excellent credit score may be able to get a lower rate with LightStream. Interest rates on these loans range by about 13 percentage points, making for a smaller range than offered by other companies. This means interest rates for borrowers with relatively lower credit scores can only go so high. Look out for: A relatively high minimum income for approval. According to loan comparison site Credible, less than 1% of borrowers approved for personal loans through SoFi have an income of less than $50,000 per year, and a majority make more than $100,000. SoFi Personal Loan Review Best Personal Loan for Bad CreditAvant personal loan. Avant stands out as a lender that applicants with low credit scores can turn to for personal loans. Personal loans are generally offered to those with better credit scores. Avant offers personal loan options for borrowers with credit scores as low as 600. It has a lower limit than other lenders, with $35,000 as the maximum loan amount. Look out for: Administrative fees. Avant's personal loans carry up to 4.75% in administration fees with an undisclosed late fee and returned payment fee. Considering that many of the other loans on this list don't carry administrative fees, prepayment fees, or origination fees , Avant's fee is high. It's also worth noting that interest rates are high from this lender. While this is a good option for anyone with credit scores in the lower 600s, those with better credit could find better rates elsewhere. Avant Personal Loans Review Best Personal Loan for Borrowers with Limited Credit HistoryUpstart personal loan. Upstart differentiates itself from other personal loan lenders with its underwriting process, which is how it decides who gets a loan and how much to charge in interest. Like any lender, Upstart considers credit scores as part of the process. But it also considers employment history and education history, such as where you went to school and your area of study. Look out for: Potentially high origination fees. Upstart's personal loans can have late fee of 5% or $15, whichever is greater. This can take a significant portion out of your overall loan proceeds. Upstart Personal Loan Review Best Personal Loan for Flexible TermsWells fargo personal loan. Wells Fargo personal loans offer low interest rates, smaller minimum borrowing amounts, and shorter terms than many others. Wells Fargo offers loans between $3,000 to $100,000, for payoff terms as short as 12 months. Borrowers who want to get their debt under control quickly might find that Wells Fargo's personal loans are flexible enough to tackle debt consolidation. Look out for: It's worth noting Wells Fargo's history with data security and compliance. The bank has faced several federal penalties for improper customer referrals to lending and insurance products, and security issues associated with creating fake accounts several years ago. Wells Fargo Personal Loans Review How to Find the Best Personal Loans for Your NeedsWhat is a personal loan. A personal loans is an installment loan . That means you borrow money and pay it back through monthly payments over a set period of time. Most personal loans are unsecured, meaning they don't require you to put down collateral. Personal loans also usually come with fixed interest rates. Interest rates for unsecured personal loans are determined largely by your credit score. The higher your credit score, the better your chances of getting the lowest available personal loan interest rates . Where to Secure the Best Personal Loan OffersYou can get a personal loan through three types of lenders: Online LendersOnline lenders can provide convenience and offer competitive rates. They typically offer a streamlined qualification and application process, allowing borrowers to apply and receive funds entirely online. Online lenders frequently cater to borrowers with a wide range of credit scores. Banks are the traditional sources of personal loans with established reputations and familiarity. You can visit a local branch to discuss loan options and receive personalized assistance. Some banks offer perks including discounts for existing customers. Credit UnionsCredit unions are member-owned financial institutions. They often offer better rates and fees compared to banks, for members in good standing. Credit unions can also be more flexible in their lending criteria for borrowers with lower credit scores. Interest rates for credit union personal loans are capped at 18% by the National Credit Union Administration. Personal Loan Lender TrustworthinessWhether you're interested in taking out a $5,000 loan or a $40,000 loan , finding the right provider can help with your loan approval experience. The Better Business Bureau, a non-profit organization focused on consumer protection and trust, evaluates businesses using factors like their responsiveness to consumer complaints, honesty in advertising, and clarity about business practices. Here is each company's score:
All of our top picks, minus Wells Fargo, are rated A or higher by the BBB. Keep in mind that a high BBB score does not ensure a positive relationship with a lender, and that you should keep doing research and talking to others who have used the company to get the most comprehensive information possible. The BBB gives Wells Fargo an F rating because of the business' failure to respond to 24 complaints and government actions against the business. Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts. The bank illegally charged fees and interest penalties on auto and mortgage loans. Additionally, it misapplied payments to those loans for many customers. If this history makes you uncomfortable, you may consider using one of the other personal loan lenders on our list. How to Choose the Best Personal LoanTo pick the best lender for you, take stock of the factors that are most important to you. Many borrowers zero in the lowest interest rate. But be sure to also look at any fees, the minimum credit score needed, and the accessibility of the lender's customer service before you apply for personal loans. Also look at the different types of lenders you may borrow with. Some people may feel comfortable with an online lender, while others may prefer a credit union or bank. You'll also want to make sure you're able to select a term length that works for you and that your loan's purpose is allowed by the lender you choose. Guides like this one will help you compare multiple lenders in the same place to weigh their pros and cons. Keep in mind that you should also read individual reviews of any lenders you're considering. Best Personal Loan FAQsCan i have more than one personal loan. In theory, you can have an unlimited number of personal loans. But the total number you'll actually be able to get will depend on how many you can qualify for. Your chances of qualifying for a loan will decrease with each loan you take out as your debt-to-income ratio increases. You can usually get access to personal loan funds relatively quickly. Online lenders may offer same-day or next-day funding. Some banks might take a few days. You generally do not need collateral for a personal loan. Most personal loans are unsecured, meaning you don't risk losing an asset if you default. Most lenders have a broad range of allowable usages for the money but might have exclusions, such as not using it for investing or paying tuition. Smaller lenders like local credit unions can often offer much lower interest rates than bigger banks and tend to be more flexible about credit requirements. It might be worth checking on their rates and terms as part of your research when you're looking for personal loans near you. The average personal loan rate is about 12%, so a good rate would be anything below that. You'll have the best chance of getting a lower rate if you have a high credit score. Why You Should Trust Us: Our Experts for the Best Personal LoansWe consulted personal loan and financial experts to give their insights into finding the best loan companies for your needs.
Our Experts' Advice for Choosing the Best Personal LoanHow does the interest rate on a personal loan affect how much i pay. Markia Brown: "The interest rate on a personal loan is the price you pay for borrowing the loan. This rate can make a massive difference in the total amount paid over time, so ensuring you have the lowest interest rate available saves you money!" Ryan Wangman: "Depending on the interest rate you're charged, you could end up paying hundreds or thousands of dollars more than a borrower with better credit who takes out a similar amount of money." If someone wants to get a lower interest rate but doesn't currently qualify for one, what should they do?Markia Brown: "The first step is to pull a copy of your credit report from TransUnion, Equifax, and Experian. All you have to do is go to www.annualcreditreport.com . After you pull your credit reports, go through them to identify what could be holding you back from qualifying for a better rate. Some of the information on your credit report is used to generate your credit score, which is used when determining if you qualify for a loan and what your interest rate should be. The five sections used to calculate your credit score are your payment history, credit utilization, length of payment history, mix of accounts, and new accounts or inquiries." "The best way to get a lower rate is to improve your credit history. You can do so by making on time, reliable payments and managing the amount of debt you take out compared to your overall limit." What Determines the 'Best' Personal Loan?There's no one-size-fits all best personal loan for all borrowers. However, there are key features to focus on when making a decision. The most important are: Competitive Interest RatesAPRs on personal loans can vary widely from one lender to another. The interest rate on your determines how much you'll ultimately repay. Even a relatively small difference in the interest rate can add thousands of dollars over the life of your loan. Flexible TermsThe term of a personal loan, or the period of time you have to repay it, determines how high or low your monthly payment will be. A longer the term will mean a lower the payment, but you'll pay in total interest. A shorter the term will come with a higher payment and ultimately less overall interest. The best personal loan lenders offer a wide range of terms to choose from. How We Rate Personal LoansWe rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:
Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. Customer support and ethics are still very important parts of the borrowing experience, but do not directly tie to a personal loan's terms, so they have less of an impact on the overall rating. See our full ratings methodology for personal loans »
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X-Yachts' new contender is an all new, even better boat with the same old name. In an alternative universe, I might be writing about how I test sailed the new X4.3 performance cruiser in a super-scary thunder squall, and the boat handled great. For it is true that when I sallied forth onto Chesapeake Bay with X-Yachts dealer Bob Rodgers ...
Rethinking every detail focused on performance and comfort, the X-Yachts Xc 47 takes the bluewater cruiser to a new level. The X-Yachts Xc 47. A 20- to 30-knot northerly wind and temps hovering around 39°F on the edge of the Baltic Sea in November are not generally considered prime sailing conditions. But bundled underneath my four layers and ...
BUILDER X-Yachts, Haderslev, Denmark, x-yachts.com. U.S. DISTRIBUTOR Rodgers Yacht Sales, (860) 536-7776, [email protected]. PRICE $375,200 (sailaway) at time of publication. November 2019. There's something especially fun about sailing a boat on the home waters of the company that built it. And when you're sailing the latest ...
Engine : Yanmar 45hp. Fuel Capacity: 200L (44 gal) Water Capacity: 340L (75 gal) RCD Category: A. Designer: X-Yachts Design Team. Builder: X-Yachts. X-Yachts' latest model, the X43 promises to be a fast passage-making cruising boat that's fun and engaging to sail but won't scare your socks off.
Bearing off just 5° saw the X-Yachts X56's speed jump to 8.0 knots, demonstrating an ability to make good daily runs while on passage. On bearing away further, to a true wind angle of 110 ...
The X-Yachts X-35 has a sandwich-construction hull and deck, using a combination of biaxial E-Glass and a vinylester resin. Throughout, she is built to the same high standards as the rest of the ...
X-Yachts X4-9 test: Danish yard strikes a tough balance with hybrid design. The X4-9 is a stylish performance cruiser that is both manageable short-handed and can still win races, reports Pip Hare ...
X-Yachts co-founder and designer Niels Jeppesen created this new mid-range model with two inches more beam and a bit more freeboard for comfortable accommodations below. The vacuum-infused X4 is only eight percent heavier than the performance line, but still includes the trademark steel grid that helps spread keel loads and stiffens the hull.
The X49 Mk II is following in the same vein as the other two models to have received the treatment. As noted in that test, this is far more than slapping on some make-up for a cosmetic update. The structure of the hull and deck has been updated to make the boat lighter and stiffer, as well as lowering the boat's centre of gravity.
First look: X-Yachts X 4.3. The first, second generation X-Yacht in the 'Pure' range, the X 4.3, has big boots to fill following a universally loved predecessor. The new version of the X 4.3 has some pretty big boots to fill. Not only had X-Yachts sold more than 100 of the yachts, she impressed many on launch, with Yachting Monthly's own ...
X-Yachts X5.6 - where style and power combines with a practical approach for extended cruising. Full report in Yachting World March 2022 Become a FREE SUBSC...
Take the Full-Size Cruiser 45 to 55 Feet fleet, with a quartet of extremely solid contenders across a wide range of price points and with different design briefs and objectives, ranging from versatile performance-style cruisers to a dedicated bluewater passagemaker. Decisions, decisions, decisions. At $550,000, the Bavaria C50 packed a lot of ...
The new X-Yachts X4 is so much fun to sail, you'll forget where you're going. By Zuzana Prochazka. July 26, 2017. Enthralled with watching the 1,000-plus square feet of sail area above my head, I tacked the X-Yachts X4 with just fingertip control on the wheel. I noticed the boat's responsiveness, and how easily the 106 per cent jib came ...
The X-37 joins her new family of X-Yachts' Performance Cruiser range. Many of the new design features already introduced into the X-40, X-43 and X-46 are also part of the X-37 specification, filling the gap between the X-362 and the X-40. X-37 will be available in two interior classic layouts: - 2 cabin version with 1 or 2 heads. - 3 cabin ...
X-Yachts X4 Review. Zuzana Prochazka. Jul 18, 2017. This new sailboat is so much fun to sail, you'll forget where you're going. …Read More. Reviews / Cruiser/Racer. X-Yachts Xc 45: Faster, Brighter, More Stylish. Zuzana Prochazka. Feb 3, 2016. The next generation of a classic Danish-built boat still makes tracks. …Read More
Boat Review: X-Yachts X4⁶. Charles J. Doane. Sep 21, 2020. The Danish builder X-Yachts does not simply stick taller or shorter rigs and keels on the same hulls to create boats for both cruisers and racers, as some mass-production builders do. Nor is it content to build two distinct lines of cruisers and racers.
of course - Budget is a controlling factor. I typically see the X-43 from € 160-220, where as the Arcona 430 starts at €220 or so, and goes higher. Certainly there are fewer Arcona's,but i guess the price new was higher and that's the main factor. 12 Jul 2020.
Location: Med. Boat: X442. Posts: 712. Re: X-Yachts 412. I think the 412/442/482 X-Yachts range is the best X-Yachts produced: good looking cruiser/racers typical of the 80's and early 90's. Despite owning a 442 myself I also think the 412 has the best proportions in that range. If I ever find the 442 becomes too big for me, I would step one ...
X-Yachts Announces Partnership with Renowned Yachtsman Jesper Radich for XR 41 Racing Program. Press release Haderslev, 15.07.24. X-Yachts is thrilled to announce its cooperation with renowned yachtsman Jesper Radich. Radich will lead X-Yachts' 2025 racing program as the skipper of their XR 41 yacht.
For sheer adrenalin, the X-Yachts X-41 takes the honours. She's fast and fun, and rewards careful trim and handling with clear returns of speed. The big rig, deep draught and high sail area ...
Dave Portnoy had to be rescued by the US Coast Guard on Monday after he and his boat were "nearly lost" at sea. "Your boys almost lost Captain Dave today. Captain Dave almost was lost to the ...
Its boats are well-mannered and sail fast; with its heritage in racing, even X-Yachts' cruising range has a good turn of speed. X-Yachts currently build three ranges of yachts; Xc for cruising, Xp for performance, and the latest XRange. The boats in each may be similar lengths, but each are different from the keel up. The new X40
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2 men shot, killed near NE Portland boat ramp on Columbia River. Published: Jul. 13, 2024 at 11:10 PM PDT Two men were shot and killed in northeast Portland near Broughton Beach on Saturday ...
The move comes after governor Gavin Newsom signed a bill preventing schools from notifying parents if a child changes their gender identity.
Designed by Niels Jeppesen, the X-119 is intended to be a fast boat specifically aimed at a one-design class. With narrow beam, bulb keel, light displacement, big rig and low wetted surface, the first X-Yachts X-119 has earned a reputation as a light-air flyer and a stiff upwind machine. The X-Yachts X-119. The sheer is a straight line.
Under Power. The Xp 55 spins a three-blade Flexofold folding prop on a conventional strut-supported straight shaft drive hooked up to a turbo-charged 110hp Yanmar diesel engine. It seems an aggressive powerplant for a boat of this weight (about 37,000lb), and the speeds we achieved under power bear this out.
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A person is dead and a man and an 11-year-old boy are missing after a boat carrying five people capsized near Astoria on Saturday, according to the U.S. Coast Guard.
Courage and common sense must ascend and unite Americans in spite of opposing political opinions, Melania Trump said in a statement Sunday. The former first lady issued her comments after Donald ...