#Bank statement for personal loan

[fincrif]

Documents Required for a Personal Loan

Applying for a personal loan requires careful planning and documentation to ensure a smooth approval process. Lenders have specific eligibility criteria and documentation requirements that applicants must meet. Understanding these requirements can increase your chances of approval and make the loan application process hassle-free.

Why Do Lenders Require Documents for Personal Loans?

Lenders ask for documents to verify an applicant's identity, financial stability, and repayment capacity. This helps them assess the risk associated with lending money and determine the interest rate, loan amount, and repayment tenure.

Essential Documents Required for a Personal Loan

While the exact documents may vary from lender to lender, here are the key documents typically required when applying for a personal loan:

1. Identity Proof

Lenders require identity proof to verify the applicant's authenticity and ensure compliance with KYC (Know Your Customer) norms. Acceptable identity proof documents include:

Aadhaar Card

PAN Card

Passport

Voter ID

Driving License

2. Address Proof

Proof of residence is necessary to confirm the applicant’s current address. Commonly accepted address proof documents include:

Utility Bills (Electricity, Water, or Gas – not older than 3 months)

Aadhaar Card

Passport

Rental Agreement

Voter ID

Driving License

3. Income Proof

Income proof helps lenders evaluate an applicant’s financial stability and repayment capacity. The required documents differ for salaried and self-employed individuals.

For Salaried Individuals:

Latest 3 to 6 months’ Salary Slips

Form 16 or Income Tax Returns (ITR)

Bank Statements for the last 6 months

Employment Certificate or Offer Letter (for newly employed individuals)

For Self-Employed Individuals:

Business Registration Certificate

Income Tax Returns (ITR) for the last 2-3 years

Profit & Loss Account Statement and Balance Sheet

Bank Statements for the last 6 months

4. Employment Proof

To verify job stability and employment history, lenders may request documents such as:

Appointment Letter

Employee ID Card

Company’s Certificate of Incorporation (for self-employed individuals)

5. Loan Application Form & Passport-Sized Photographs

Most lenders require applicants to fill out a loan application form and submit passport-sized photographs along with the necessary documents.

Additional Documents (Case-Specific Requirements)

Depending on the applicant's profile and loan type, additional documents may be required, such as:

Existing Loan Statements: If you have any ongoing loans, lenders may request previous loan statements to assess your financial obligations.

Co-applicant or Guarantor Documents: If applying with a co-applicant, their identity, address, and income proof will also be required.

Property Documents (For Secured Loans): Some personal loans may require collateral, and property-related documents may be necessary.

Documents Required by Top Lenders

Different financial institutions have their specific documentation requirements. Here’s a quick overview of the requirements by some leading lenders:

1. IDFC First Bank Personal Loan

For more details, visit: IDFC First Bank Personal Loan

2. Bajaj Finserv Personal Loan

For more details, visit: Bajaj Finserv Personal Loan

3. Tata Capital Personal Loan

For more details, visit: Tata Capital Personal Loan

4. Axis Finance Personal Loan

For more details, visit: Axis Finance Personal Loan

5. Axis Bank Personal Loan

For more details, visit: Axis Bank Personal Loan

6. InCred Personal Loan

For more details, visit: InCred Personal Loan

How to Ensure a Smooth Loan Application Process

To enhance your chances of approval, follow these tips:

Check Eligibility Criteria: Review the lender’s eligibility criteria before applying to avoid rejection.

Prepare All Necessary Documents: Keep all required documents handy to speed up the verification process.

Maintain a Good Credit Score: A high credit score increases approval chances and ensures better interest rates.

Compare Loan Offers: Evaluate different lenders to find the most suitable loan terms.

Avoid Multiple Loan Applications: Too many loan applications in a short period can negatively impact your credit score.

A personal loan can be a financial lifesaver when managed responsibly. Ensuring you have all the required documents in place can make the loan approval process quick and hassle-free. By understanding the lender’s requirements and preparing in advance, you can secure the best loan offers with favorable terms.

For more details and to explore loan options, visit:

IDFC First Bank Personal Loan

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

Axis Finance Personal Loan

Axis Bank Personal Loan

InCred Personal Loan

[jexistheblogger]

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[financing007]

How to Get a Personal Loan Quickly and Conveniently in India!

Personal Loan: Its Importance and Benefits in India

A personal loan is a type of unsecured loan that individuals can borrow from financial institutions such as banks, credit unions, or online lenders. Unlike secured loans that require collateral, personal loans are not backed by any assets, making them accessible to a wider range of borrowers. The loan amount and interest rates are determined based on the borrower's creditworthiness, income, and repayment capacity. The funds obtained from a personal loan can be used for various purposes, including consolidating debts, financing home improvements, covering medical expenses, planning a vacation, or handling unexpected financial emergencies. One of the advantages of personal loans is the flexibility they offer in terms of usage and repayment. Borrowers can apply for personal loans quickly and conveniently, often through online platforms, and receive funds within a short period, making them a popular choice for individuals seeking immediate financial support. A personal loan is a versatile financial tool that allows individuals to access funds for various purposes without providing collateral. It provides a structured repayment plan and can be a helpful solution for managing short-term financial needs when used responsibly.

Key Factors to Consider Before Applying for a Personal Loan

Before applying for a personal loan, it's essential to consider several key factors to ensure you make a well-informed decision and manage your finances responsibly. Here are the key factors to take into account:

Assess Your Financial Needs and Repayment Capacity: Before borrowing, evaluate the purpose of the loan and the amount you genuinely need. Avoid borrowing more than necessary to prevent overburdening yourself with debt. Assess your current financial situation, including your income, expenses, and existing debts, to determine your repayment capacity.

Understand Interest Rates and Loan Terms: Interest rates significantly impact the overall cost of borrowing. Compare interest rates offered by different lenders and understand whether they are fixed or variable. Additionally, review the loan terms, including the loan tenure and any associated fees or charges.

Check Your Credit Score: Lenders rely on credit scores to assess your creditworthiness. A higher credit score results in better interest rates and loan terms. Obtain a copy of your credit report and ensure it is accurate. If your credit score is low, work on improving it before applying for a personal loan.

Evaluate Loan Eligibility Criteria: Each lender has specific eligibility criteria for personal loan applicants. Check whether you meet the lender's requirements regarding age, income, employment status, and other factors.

Consider Loan Security: Personal loans are unsecured, meaning they don't require collateral. However, some lenders may offer secured personal loans with lower interest rates if you can provide collateral. Assess the risks and benefits of secured and unsecured options.

Compare Different Lenders: Shop around and compare loan offers from multiple lenders. Look beyond interest rates and consider factors such as customer service, reputation, and online reviews.

Fees and Charges: Inquire about any additional fees or charges associated with the personal loan. These may include processing fees, prepayment penalties, or late payment charges. Understanding these costs is crucial in evaluating the affordability of the loan.

Loan Processing Time: : If you need funds urgently, consider the loan processing time of different lenders. Some lenders offer quick approvals and disbursals, which can be beneficial in emergencies.

By considering these key factors, you can make a well-informed decision when applying for a personal loan, ensuring it aligns with your financial goals and helps you achieve your objectives without undue financial strain. Remember, responsible borrowing is vital in maintaining a healthy financial profile.

Choosing the right lender for your Personal Loan

Choosing the right lender for your personal loan is crucial to ensure a smooth borrowing experience and favorable loan terms. Here are the essential factors to consider when selecting the best lender for your personal loan:

Interest Rates: Compare the interest rates offered by different lenders. Even a slightly lower interest rate can save you a significant amount over the loan tenure. Choose a lender that provides competitive and transparent interest rates.

Loan Amount and Tenure: Check if the lender offers the loan amount you need and allows a comfortable repayment tenure. Some lenders may have restrictions on the maximum loan amount or the minimum and maximum loan tenure.

Eligibility Criteria: Review the lender's eligibility criteria to determine if you meet the requirements. Different lenders may have varying criteria based on factors such as age, income, employment stability, and credit score.

Loan Processing Time: If you need funds urgently, consider lenders with quick loan processing and disbursal times. Some lenders may offer instant approval and disbursal for pre-approved customers or through digital lending platforms.

Loan Fees and Charges: Inquire about any additional fees and charges associated with the loan, such as processing fees, prepayment penalties, or late payment charges. A transparent lender will provide a clear breakdown of all applicable charges.

Customer Service: A responsive and helpful customer service team is essential to address your queries and concerns during the loan application process and throughout the loan tenure. Check if the lender offers multiple customer support channels.

Online Services: Opt for lenders that provide online application and account management services. Online platforms make the loan application and management process more convenient and accessible.

Loan Flexibility: Consider whether the lender offers flexibility in loan repayments, such as the option to change the EMI amount or frequency, and if they allow for loan prepayment without hefty penalties.

Loan Security and Privacy: Ensure that the lender follows strict security measures to protect your personal and financial information. Verify their privacy policy to safeguard your data.

By carefully evaluating these factors, you can select a reputable lender that offers a personal loan tailored to your needs and financial circumstances. Remember to read the loan agreement thoroughly and seek clarifications before finalizing the loan application. Choosing the right lender will not only help you secure a favorable loan but also provide peace of mind throughout the borrowing journey.

How to Get an Instant Personal Loan in India

Online Application: Most lenders offering instant personal loans in India provide online application facilities. Borrowers can visit the lender's website or use a mobile app to fill out the application form.

Document Verification: The application is accompanied by the submission of necessary documents, such as identity proof, address proof, income documents, and bank statements. Some lenders may have a paperless process that involves electronic verification of documents.

Credit Assessment: Lenders assess the applicant's creditworthiness by evaluating their credit score and credit history. Many instant loan providers also consider alternative data points for credit assessment.

Loan Approval: Upon successful verification and credit assessment, the lender approves the loan. Pre-approved customers may receive instant approval with minimal documentation.

Disbursal: Once approved, the loan amount is disbursed directly to the borrower's bank account electronically. The entire process, from application to disbursal, can be completed swiftly.

Tips for a Smooth Loan Disbursement Process

A smooth loan disbursement process is essential to ensure that you receive the funds in a timely and hassle-free manner. Here are some tips to make the loan disbursement process as smooth as possible:

Complete Documentation: Ensure that you have all the necessary documents ready and accurately filled out. This may include identity proof, address proof, income documents, bank statements, and any other specific documents required by the lender.

Double-Check Information: Review all the information provided in the loan application to avoid any errors or discrepancies. Inaccuracies in the application can lead to delays in the disbursement process.

Meet Eligibility Criteria: Verify that you meet the eligibility criteria set by the lender. This includes factors such as age, income, credit score, and employment stability. Meeting these criteria increases the chances of a smooth loan disbursement.

Be Responsive: Be prompt in responding to any communication from the lender. If they require additional information or documents, provide them as soon as possible to expedite the process.

Choose Online Application: Opt for online loan applications, if available. Online applications are often processed faster, and the chances of errors due to manual handling are reduced.

Track Application Status: Stay updated on the status of your loan application. Many lenders provide online tracking facilities or customer service representatives who can assist you with updates.

Clear Outstanding Dues: If you have any outstanding dues with the lender or other financial institutions, ensure they are settled before applying for a new loan. This showcases your financial discipline and improves your credibility.

Maintain a Good Credit Score: A good credit score enhances your creditworthiness and improves the likelihood of loan approval and smooth disbursement. Regularly check your credit report for accuracy and take steps to improve your score if needed.

Clarify Terms and Conditions: Before signing the loan agreement, thoroughly read and understand the terms and conditions. Seek clarification from the lender on any clauses or terms that you find unclear.

Plan Your Finances: Have a clear plan on how you will utilize the loan amount. Proper financial planning ensures that the funds are used wisely and repaid on time.

By following these tips, you can streamline the loan disbursement process and increase the chances of receiving the funds promptly. A smooth loan disbursement process helps you address your financial needs efficiently and provides peace of mind throughout the borrowing journey.

Conclusion:

In conclusion, when seeking a personal loan, it is essential to be well-informed and take necessary steps to ensure a smooth and successful borrowing experience. Considering factors such as eligibility criteria, interest rates, loan terms, and the reputation of the lender can help borrowers make informed decisions. Mpower Credcure, with its reputation for efficient loan disbursements and excellent customer service, emerges as a reliable choice for those looking to access instant personal loans in India. By choosing Mpower Credcure, borrowers can benefit from a seamless application process, minimal documentation, and competitive interest rates. However, it is equally vital for borrowers to be responsible and cautious about borrowing within their repayment capacity. By following these guidelines and leveraging the services of Mpower Credcure, individuals can navigate the lending landscape with confidence and meet their financial goals effectively.

[leascorner]

j.b.b | The Grinch

Summary: Y/N can’t travel to see her family on Christmas so she invite her grumpy loner neighbour, Bucky.

Pairing:  Post blip!Bucky Barnes x f!reader

Warnings: Use of Y/N and feminine pronoums, a few mentions of food and alcohol, angst, some vulgar language, everything is in the summary really, this is set like the falcon and the winter soldier never happened or it's happening before that.

Word Count: 3.5k

A/N: This is the 4th Xmas OS of the series. So sorry it is a couple of days late. Please do share and like if you enjoyed it, it means a lot! Merry Christmas!

2024 Christmas Masterlist | Main Masterlist

18th of December

$125

Y/N blinked at the number being displayed on her phone’s screen. She had stopped right in the middle of what she was doing, in utter disbelief of her discovery. Her whole process of thoughts seemed to have frozen; just like her computer would display “error 404” when she would perform contradictory actions.

She didn’t understand how this was possible; something was wrong obviously wrong because she didn’t expect this number to be displayed. Refusing what she was seeing, she logged out of the app and then back in a couple of times.

Yet, every time, the sentence was the same.

$125

Despite everything, this was currently the amount of money Y/N had on her bank account. These past couple of months, she had been saving for this moment; a moment she had been imagining all year long and for which she expected to be shredding happy tears. Instead, the tears currently running down her cheeks were made of pure anger.

She found the culprit quite easily. A monthly interest payment of a loan that was playfully mocking her on top of her bank statement. Now that she was thinking of it, she should have probably read all those letters; the ones with the red-inked stamp “urgent” printed on them. She had found all the excuses in the world: especially how exhaustive was she after having worked double shifts almost every day lately or that it had just been easier to have them sitting on her coffee table.

Y/N had no idea what she would do. If $125 was probably quite enough to eat until the end of the month if she made a few compromises, there was no way she would be able to buy flight tickets to get home for Christmas. She would have brought them earlier if she had been able to – at a time she still had the money on her bank account, for example – but her colleague had only confirmed that same day they could take over her shifts during the Christmas week. Now, she didn’t have any money and would be alone for the year-end celebration.

Her cell phone ringing made her snap back to reality. She was still in front of her building, keys in one hand, frozen in her action to enter. Her heart sunk has she discovered the picture displayed on the screen; her sister and her, one of the last pictures they had taken together, at Y/N’s university graduation ceremony, a couple of weeks before the blip. Her sister was most likely calling her about this “very good news” Y/N had texted her about that afternoon. Now, she only had to let her know that it had been a false alarm and that she wouldn’t be able to make it home this year.

Again.

It wouldn’t be the first time indeed. In fact, ever since the blip had been reversed, Y/N had not been home for the Christmas. At first, she had chosen not to. She was the only person in her family to have been gone. Without her, they all had continued with their lives, and the post-blip had been brutal for her. One second, she was full of life: she had just gotten an amazing job in New York, and she was going to live her dream. The other, the blip had happened, five years had passed, and she had lost everything. Her family, her job, herself. Her little sister was now older than her, graduating college and ready to start a family. Her parents had retired and started a new life in California. She didn’t have a dream job anymore; she had no job at all in fact. In this world that had changed so much, she felt out of places. So, she did what she thought was could do. She left everyone behind and moved to New York.

The months after moving there had been full of hope. Hope that she could still make it to her dream job and life after all. She had gotten in touch with associations working on helping people post-blip. They said: if she took a few classes, she could be retrained on the most up to date information and she would be able to get the job she had always dreamt of after all. Yet, it was even worse than college. She had to work part-time to be able to take the night classes. She either worked or studied; leaving only a few minutes a day to eat, sleep and bath. This was until some court bailiffs came banging to her door. The banks had been quick to be back to find the people that had disappeared and were now asking them to provide the past five years’ debt payment. All of her dreams had been shattered yet again.

Determined not to ask for help, Y/N stayed in New York and totally forgot about her dreams. Instead, she found another job at a bar-restaurant – one that paid better than the cashier part-time job she had until that – and worked there ever since, trying to pay off her initial student loan and the other loan she had had to take to be able to repay the requested five-years’ worth of debt in one go. She was now planning every spendings up to the last penny. She was living off diluted body and hair shower gel and all sorts of techniques to have the impression of having eaten a lot more than she had. Yet, it hadn’t been enough.

It was never enough…

Drying off her tears, she answered her phone and stuck it against her ear with her shoulder while she entered the building. She was quick to break the news to her sister. She kept her voice steady, not showing any emotions to shorten the conversation as much as possible. She did so as she collected her mail and then turned to take the stairs up to her apartment.

On the phone, Y/N didn’t see her neighbour coming down the stairs and eventually run straight into him. She would have fallen down the two steps she had just climbed if he hadn’t caught up by the arms at the very last moment.

"For fuck’s sake!" he sighed angrily. "Can’t you watch where you’re going?"

Y/N only answered by rolling her eyes. She picked up her phone from the floor; her sister was still on the line, calling after her. While she turned it to her, she discovered her screen totally shattered. She would have cried if she could have…

Without further ado, she put her phone back to her ear and continued to go up the stairs. Her neighbour – a guy that moved in a couple of months ago and that was hardly saying ‘hello’ the few times they had seen each other in the hall – huffed and without thinking nor turning back, Y/N flipped him off. She would probably be ashamed of this later, but at that moment, she couldn’t care less of what he would think of her.

She couldn’t care less about anything anyway.

20th of December

Two days later, as Y/N was slowly accepting the fact that she would not be with her family for Christmas, she encountered her favourite neighbour in the hall again.

She had just gotten home from work and was collecting a parcel in her letterbox. This was a present for her sister that she wouldn’t be able to give her in the end and for which she couldn’t even pay stamp to ship it to her home. She would be lucky if she could return it and get a few dollars back.

As she was closing her letterbox, her neighbour entered the hall. Feeling a little guilty about the other night, Y/N’s first thought was to apologies for her behaviour. A quick look at the guy and the constant frown on his face made her swallow her saliva; hard.

He was good-looking though, with his blue-piercing eyes and full lips. The stubble on his chin –always of the same length whenever she would see him – let her think that he was taking care of himself; though the way he dressed was clearly demonstrating he wasn’t really on point on the fashion side. If he wasn’t always so… whatever he always was… she probably would have liked him. With his grumpy looks, he reminded her of this movie character she liked so much when she was a kid: the Grinch.

In silence, Y/N watched from the corner of her eyes as he also checked his mailbox, a couple of meters away from hers. After gathering the few letters in the box, he sighed and abruptly closed the door.

“What now?” he asked as he turned to her.

Y/N jumped to the tone of his voice. He was clearly annoyed at her while she hadn’t done anything. At least that day.

“No need to be a dick,” she quickly bit back, annoyance building up in her voice as much as his, and he huffed again – this seemed to be something he would do a lot. She had to take a quick deep breath before continuing: "I wanted to… apology for the other night.”

The words nearly burnt her mouth as she was saying them. It cost her a lot to admit her wrongs, yet his cold eyes only started at her, and he spoke no words back. She didn’t know how she wanted him to react, but his absence of reaction startled her, and only made her want to justify herself further.

“I wasn’t in a good mood,” she added.

“You are not the only one to have bad days,” was all he said before leaving.

Taken aback, Y/N watched as he climbed the stairs and disappeared out of his sight. She couldn’t believe how much of a jerk he had been. She swore this was the last time she would ever speak to him.

22nd of December

Y/N rarely overslept.

The only reason for that was that she didn’t sleep a lot. Ever since the blip, she had trouble finding sleep and then, staying asleep. It was like her body had a big fear of missing out on everything and anything, so it just let her sleep the number of hours she needed to keep going. She would have thought that with the double shifts she was doing, she would have slept better, but she didn’t. Instead, she stayed wide awake in her bed, fixing the ceiling, eyes heavy with tiredness. She had all this time to think about the misery of her own life.

However, it seemed that night that the tiredness had gotten the most out of her, and as she never set an alarm clock – because she rarely needed, she was now going to be late for work. She took only a couple of minutes to get ready, drink a coffee and brush her teeth all at the same times. Ten minutes later, she was already grabbing her stuff and putting her coat on.

As she opened the door of her apartment, she came face-to-face with her neighbour going up the stairs. They both immediately stopped in their tracks.

He looked at her. Her eyes still puffy from the fact she had still been sleeping less than fifteen minutes ago. Hair all other the place even if she had put hair clips in them to keep them into place. She had dressed up in such a hurry, the shirt of her uniform was halfway in and halfway out of her pants.

She looked at him looking at her. With the same frown on his face and the same cold glance. Just this time, the circles around his eyes were darker than ever and he looked much more tired than her. For the first time, she saw something vulnerable in him, a flash of sadness in the blankness of his face.

They looked at one another. So different yet somehow similar. With their inability to sleep properly, the memories that kept them up at night and their resentment about this life that had been taken away from them. Both of them with all their trauma and weaknesses. With their constant melancholy and sometimes, their good days.

They looked at each other some more and then they both continued on with their day.

24th of December

Y/N was just settling on her couch – which was also her bed – in front of the TV, wrapped in her fluffy blanket and two pairs of fleece socks on her feet when she heard a knock on her door. She froze instantly; bad memories coming back to her in an instant. She had been visited a few times by different people always banging on her door at sunrise; each time, it never had ended well. Per pure reflex, she held her breath as if whoever was on her front door would be able to hear her - the walls were probably thin, but not this thin.

After counting to ten and not hearing anything else, she relaxed into her sofa. It was probably just her imagination at this point, this was how tired she was. She reached for the remote on the coffee table and started an episode of her favourite TV show. This was when she heard a knock for the second time. One time too many for her.

This time she paused her show and got on her feet to have a look. Sulking for the five steps it took her to go to the front door, she opened it bluntly and was surprised to find her neighbour ‘The Grinch’.

He looked at her, surprised and she looked at him, probably even more surprised. Her gaze turned instinctively to her feet and the fluffy pyjamas she was wearing. She couldn’t help the heat crawling up her neck, so she looked back to him and her eyes got stuck on his hands. One of flesh and one of metal. Holding a metal box between them. That he was now holding up to her.

She frowned.

“For you.”

Her eyes moved up to his face again, to check if he was serious or not. She could have fallen asleep the minutes her show started and be dreaming; though from how cold her feet were, she was pretty sure she wasn’t. Nothing on his face indicated he was joking – he didn’t seem to be the type to joke anyway. He wasn’t actually frowning, but he still had a small wrinkle in between his two eyebrows from all the frowning he was doing that somehow it still looked like he was. She wouldn’t say the expression on his face was friendly, but it had something that for once made her not want to close the door on his face.

Perhaps, it was because of the straight line his lips were in. They which were was usually so pink and so… luscious. From that, she couldn’t tell what he was feeling right now – was he nervous? Or simply contemplating all his life choices now that he was in front of her. She knew it was costing him to be here in front of her.

She looked back at the metal box in his hands; was he really expecting her to take it?

“My ma’ used to cook cookies for our neighbours,” he stated as if it was the most obvious thing in the world. His glance adverted to the ceiling as if he was looking for the right words to continue: “I thought maybe… this was a good way to apologize. For the other day…and all the times before that.”

This time, it was Y/N’s time to stop frowning – she would have to check later if she had also a wrinkle. She took the box he was handing her and nodded, in some sort of way to mean ‘thank you’. The box was heavier than she had expected it to be. She wondered if he had made them himself, like his ‘ma’ was probably doing.

“My name is Bucky by the way.” Was all he said before leaving her like that, a box of cookies in her hands.

25th of December

Working at a restaurant had its own perks. One of them being that Y/N could have at least one meal a day in the form of the staff meal. And on special occasions – like today – she could even get home with leftovers, most of them she would normally stock up in her freezer to make sure she had something to eat in the next couple of days.

That day though, when she climbed up the stairs, she didn’t stop on the second floor where her apartment was. Instead, her feet got her to the fourth floor, on the second door on the right. One she had never been to and yet, she knew exactly where to find it.

She didn’t hesitate one second before knocking, though the few seconds she had to wait she did get cold feet and wonder if it was really a good idea. Bucky did have gifted her handmade cookies – she had eaten a couple after he left while watching her favourite show, and it was the best she probably ever had. However, it did not mean they were now friends. They were just two adults, seeing each other in the hall of their building sometimes. That was all… Then, why was she so damned pulled towards him?

Bucky opened the door when she was about to turn around. He had a blank tank top and black pants on. Thankfully, he did not seem to be in the middle of a Christmas dinner and his apartment was pretty quiet behind him. His usual frown had been replaced by raised eyebrows. He was surprised to see her, on Christmas day, in her work clothes, at his door. He would have probably expected her to be in her family, with her friends or boyfriend, even. Instead, she had nowhere better to be than in front of him, right now.

They stared at each other for what seemed to be a long time, before his cat – Alpine as he called after, while trying to stop it to get outside his apartment – came to rub itself against her legs. She immediately lowered herself to scratch it behind the ear and Bucky observed them without a word. His cat, who was usually more than a little fearful of people it didn't know, was on the verge of lying down on the floor and beg for belly rubs.

“Are you on your own too?” was the only thing he spoke, and she got back on her feet, suddenly remembering why she was actually here.

“Wanna share?” she asked while showing him the paper bag in which she had the leftovers from the restaurant.

His eyes scanned her face a little too long for Y/N’s liking that she grew nervous. She felt like an idiot, believing… whatever – she wasn’t even sure she was believing. She was just lonely, having been alone for too long. The only people she hung out with would be her colleagues, on her work time – and they had taken a drink together after work a time or two. Most of them were students or only planning to be in the job for a couple of months before bouncing back. None of them was like her, as if she had been the only one to disappear off of the surface of the earth.

Over the last few years, she had repeated to herself – over and over again – that she didn’t need anyone. It was true somehow; she was fine alone. It was just that today she wanted a break from all of this, and she had thought of him. Because she had seen the veil before his eyes. She had seen it on hers before. She knew why… He was just like her. And perhaps, she had thought, they could be alone together. That was what they called the Christmas spirit, no?

“I mean, I’ve got more than enough, and you can have some. We don’t need to eat together. Totally fine if you wish to be alone.” She overexplained, speaking so fast he couldn’t say a word, even if he wanted to. She was just going to go home anyway. It was probably already late in the day; she would eat some food because she could – it was a victory on its own. “And you’ve probably already eaten, it’s fine. Don’t mind me.”

She was going to turn around, but he stepped on the side, making room for her to get in. Alpine instantly trotted in, its tail straight as a pick.

“I’ve got Gin,” was all he said again. A man of a few words he was.

And that was how they would both of them spent their first Christmases with someone in years. They would drink gin, try a bit of every leftover Y/N had gotten and finish by some kind of French pastry neither of them knew how it was named. They would speak for hours – or sort of, it was a few words here and there, making sentences altogether. They would have a good time and when it was time for Y/N to go home, she would suggest doing it again and Bucky would smile in response. A soft smile that would warm her heart forever. A smile that illuminated his whole face and probably his life.

And perhaps that was what exactly what she had come to find that night.

Some warmth.

[lostlegendaerie]

Fuck it! US Private Student Loans Guide!

DISCLAIMER: while I have worked in private loans specifically for five+ years, this isn't ‘financial’ advice and is just a heavily summarized guide on how to navigate them. Yes, these loans suck, but complain to your legislators not me. I’m just trying to help you know what you’re doing. Additional info for each section is under the cut!

1) Who are you and who are all the companies constantly running around with my money?

I work in loan SERVICING, which is basically the billing department. If you’ve got a new company asking you for money, it's probably a new servicer and your debt is still owned by the bank. We enforce the terms in the promissory note, the document you sign telling the bank “yeah I'll play by your rules if you give me the money.” If your loan defaults, you’ll get contacted by a third (fourth?) party, but how that works is beyond my wheelhouse. The bank or your servicer should be able to confirm what happens in case of default.

2) What am I looking for in a ‘good’ loan?

Generally, you’re going to want SIMPLE instead of compound interest, a FIXED RATE opposed to a variable one, and you’ll want to go for FULL DEFERMENT while in school and make manual payments when you can. Also ask up front about stuff like if disability forgiveness or co-signer release (getting your parents off it) is offered.

3) This loan sucks! How do I make it better?

Student loans are NOTORIOUSLY hard to get out of, unfortunately. If the interest rate/payment relief options suck, you can try to REFINANCE where you take out a new loan to pay off the old one. This gives you a new promissory note, interest rate, and terms/conditions. If you’re trying to erase the debt entirely, ask for the promissory note (if they can't provide a copy, we have to forgive the debt. I've only seen this happen ONCE.) or try to go through social security disability.

DO NOT USE FREEDOM DEBT RELIEF OR OTHER SERVICES. DO NOT. THEY ARE SCAMS.

More in depth information for each point!

1) Lenders and Servicers

The lender is the person who provides the funds in the debt - the bank who pays the school or the hospital or the home contractor fixing your sink. The servicer is the company that is your point of contact when you need to make payments, ask for payment relief, or otherwise manage the loan that exists. Think of us as the mechanic (we keep the car running) where the bank is the manufacturer (they make the car). Some different servicers are SoFi, Zuntafi, Great Lakes, Nelnet and Firstmark Services; their names will be on the billing statements. Some different banks are Citizens, US Bank, NorthStar; their names will be on the promissory note and the disclosures.

Sometimes banks do sell the debt, however! A couple years ago Wells Fargo sold an enormous chunk of their loans off somewhere (an investment group, maybe?) but! The promissory note will still be the EXACT same if your debt gets sold. You’ll only get a new promissory note if you refinance the loan yourself.

2a) Interest Accrual and Rates

Interest is how banks profit off the loans they give out and/or ‘ensure they don't end up with a loss if the loan defaults’. (It's profit.) Most, but not all, loans calculate interest with the simple daily interest formula, shown below:

[(Current loan balance) x (interest rate)] divided by 365

If your loan’s balance is $10,000 and your interest rate is 6% you’ll be charged $1.64 each day. SIMPLE INTEREST means that this interest just kind of floats around on the account until a payment comes in and pays it off, where COMPOUND adds that interest to the balance at the end of the month/day/whatever. Compound charges you more over the life of the loan.

FIXED INTEREST is a set percent that doesn't change, where VARIABLE will change usually based on whatever the economy is doing. There’s a minimum and maximum value to the variable interest rates, so if you’re doing a variable ASK WHAT THE MINS AND MAXES ARE. A fixed rate might be 8% and a variable might be 3.25% the day you take it out, but that variable could have a maximum interest rate of 25% so be VERY, VERY CAREFUL. If you get stuck in a real bad variable interest rate, your best solution is probably a refinance.

2b) Deferment and Payment Allocation

So interest is gonna be accruing on your loan from the day the money leaves the bank. Sucks. And you may not be able to make payments while you're in school, so opting to DEFER your payments will stop them from billing you so you can skip a month or whatever without penalty. At the END of that deferment, though, whatever interest that accrued will be added to your current balance. If we use the example from above (10k loan with 1.64 daily interest) four years of school will add $2,400 to your balance and then your daily interest will jump up to $2.03 a day.

Solution? Make payments of what you can while you’re in school to chip away at that floating interest. Usually when you make a payment, it’s gonna go towards the interest first and then the rest drops the balance. (E.g. if you make a $20.00 payment ten days after your loan is disbursed, $16.40 will go towards interest and $3.60 towards your 10k balance). There is NO PENALTY for making extra payments or making early payments, but it might make your bills look a little weird if you’re being billed each month for just the interest.

3) Why are these loans so horrible? Can’t I find anything to help me?

Blame Reagan and the republicans who enabled him.

No, but really. The problem with these loans is that those promissory notes are VERY legally binding and have lots of fine print in there designed to make it as hard as possible for someone to skimp out on their debt without having their credit score decimated. Some lenders might even dip into your paychecks if you're crazy behind or default; again, that's not my wheelhouse and I've only maybe seen that once. Your best bet is just to pay it off as fast as possible (again, no penalty for paying the loan off early) or refinance into better terms.

And I get it. I really do. I hate how we’ve made so many incredibly important things in our society locked behind a paywall that charges poor people more to climb than the rich. But if you’ve made it this far, please don't turn your anger at me for not giving you the answers you want. The best I can do is vote for people who are willing to crack down on predatory lending, keep fighting for student loan forgiveness… and at my own job, make sure that my coworkers aren't making mistakes.

If you have a more specific question, I can try to answer as best I can without breaking any information privacy laws. And take care, okay? You are never fighting alone.

[andromeda3116]

like i really think people outside small towns - especially in the south - wildly underestimate what it takes to leave them

like, here's what it took for me to move 450 miles from home:

familial support on both sides of the move, i.e.:

--people to help pack the u-haul for free

--someone to drive the u-haul for free

--a place to stay overnight after arriving in the new city for free

--people to help me unpack the apartment for free

--people to chip in on gas

--people to buy lunch/dinner on the way over

--people to give advice on where to look for apartments

--people to give me a place to stay while apartment-hunting so that i didn't have to go in sight-unseen to a new home

--a big one: a brother with whom i lived for a year at very cheap rent and expenses to save up what i could

a decent job in a niche in-demand field back home, which allowed me get a well-paying job here in the same in-demand field with enough experience to start off in a good place

a reliable, reasonably fuel-efficient car that could travel 450 miles without concern (which was paid off beforehand)

a $4500 personal loan from the bank (which i used every single penny of) - which also required:

--good enough credit to qualify for a personal loan

--enough income from the previous year to get enough from the loan to move

enough income pre-move to cover expenses for my final month at home and my first three weeks of work here before getting a paycheck

(aside: people were like "why would you start your new job less than a week after moving?? that's so stressful!!!" like my doll my dear my darling i needed the fucking paycheck as quickly as possible after moving)

enough food to bring along so i could eat between moving and getting that check

related, and also in the "familial support" column: people to help me pay for gas and/or feed me if i ran out of money/food

of course the baseline of a home to stay in at all back home, internet to do the zoom interview and find apartments to rent, as well as the structure in the hometown like a u-haul facility and a good bank with which i have a long-standing account

also, only having to move myself and my pets rather than having children who would need to have either daycare or schooling lined up on the other side of the move

now, like, obviously you can move without these things - and of course any kind of support system can take the place of my family, either friends or community groups or government programs - but they are not easy things to necessarily contact or interact with from hundreds of miles away, and not having them leaves you potentially very vulnerable in the new place, sometimes to the point of life-threatening

and i wasn't even that poor! i mean i was below the median income, but only by a few grand - and it still required a solid baseline at home, support on both sides of the move, and a personal loan, and i still barely managed to do it

"why don't you just move???" is such a severely, blindly, mind-bogglingly classist statement that it makes me just immediately disengage with whoever is saying it

like, even if you don't have roots in the place you're at, moving away is fucking hard and fucking expensive

--signed, someone who has been rankling deeply at the casual way people talk about "just mov[ing]" like that's a normal, easy, obvious thing to do and not something that is absolutely price-gated to hell and back

[mariacallous]

oh hey you're a bitch who cares about Michigan,

https://www.detroitnews.com/story/news/politics/2023/09/29/michigan-republican-party-faces-financial-turmoil-bank-records-show/71003017007/

the Michigan GOP is broke as hell and is robbing their federal election account to pay the light bill and shit.

Lansing — The Michigan Republican Party had about $35,000 in its bank accounts in August, according to internal records that flash new warning signs about the dire state of the GOP's finances and raise questions about whether the organization is complying with campaign finance laws.

The documents, obtained by The Detroit News, cover from February when party Chairwoman Kristina Karamo took office through Aug. 10, about six weeks before the party's Mackinac Republican Leadership Conference and about five months into Karamo's term.

The party has regularly transferred money from an account that's usually focused on federal elections to other accounts to afford expenses, according to the records. And earlier this year, Karamo's 2022 secretary of state campaign loaned the party's federal account $15,000 after that account's balance turned negative. The transaction wasn't reported in disclosures from the campaign or the party's federal committee.

A listing of Michigan Republican Party account balances from West Michigan Community Bank showed $35,051 across seven accounts, with expenses for many of the scheduled speakers at the Sept. 22-24 conference on Mackinac Island not yet paid, including author Dinesh D'Souza and unsuccessful former Arizona candidate for governor Kari Lake.

At this point, 13 months before a presidential election, the Michigan Republican Party should have about $10 million in its accounts, said Tom Leonard, a former Michigan House speaker and former finance chairman for the state GOP.

The party had less than 1% of the $10 million target.

"These numbers demonstrate that the party isn't just broke, but broken," Leonard said. "Given (Democratic President) Joe Biden's unpopularity, Republicans can still have a successful cycle, but it's clear they won't be able to rely on the Michigan Republican Party."

Karamo and a Michigan Republican Party spokesman didn't respond to requests for comment for this story.

But the severe financial problems and Karamo's handling of them helped prompt Warren Carpenter, a businessman and former chairman of the 9th Congressional District's Republican committee, to issue a statement, emphasizing that he had no "formal involvement" in the Mackinac conference.

With only two weeks before the conference, Karamo's team had asked Carpenter, a former Karamo supporter and donor from Oakland County, to help with the event, which traditionally costs about $700,000 to put on.

At that time, Carpenter said he was told the party had $30,000 in its accounts but still had to pay Lake $20,000 for speaking, pay D'Souza $28,000 and repay a loan of $110,000 for actor Jim Caviezel's speaking fee. Carpenter said he advised party leaders to cut D'Souza from the lineup to save money.

Carpenter said his principles eventually inspired him to not want to be involved in the conference.

"After consulting extensively with my attorney, I have been strongly advised to cease all communications and interactions with the team leading the Mackinac Leadership Conference," Carpenter wrote in a statement to GOP leaders. "This decision stems from the unsettling possibility of how the Mackinac Leadership Conference is being administered could result in both personal and legal repercussions."

Carpenter resigned as chairman of the 9th District committee on Tuesday.

'Significant challenges'

D'Souza ultimately didn't appear at the conference after the party sent out an email promoting him as a speaker as recently as Sept. 17, five days before the gathering on Mackinac Island began.

Also, D'Souza was still listed as one of the speakers on the party's website on Friday, five days after the conference ended and he didn't participate. Regular attendees had to pay $125 to $275 to register for the event, a price that didn't include the cost of a hotel on Mackinac Island.

During the conference, Dan Hartman, the Michigan Republican Party's general counsel, said he couldn't say why D'Souza didn't show up at the event.

As for the party's finances, the Michigan GOP had previously been primarily funded by 17 people or organizations, Hartman said. The party is in a state of transition, and the past leaders had thrown up "significant challenges" for the new grassroots-driven team, he added.

"Now, what's happened is it's rank-and-file and volunteers," Hartman said of the party's new leadership.

Michigan GOP delegates elected Karamo, a favorite among the grassroots wing of the party, chairwoman in February. While past chairs have been former elected officials and business leaders, Karamo is a former educator from Oak Park who lost a race for secretary of state by 14 percentage points to Democratic incumbent Jocelyn Benson in November. Plus, Karamo has been openly critical of some of the state's largest GOP donors.

Asked about the party's finances on Sept. 23, Hartman referred a Detroit News reporter to the state GOP's budget committee, but he said the party had the money it needed to get by. Dan Bonamie, chairman of the budget committee, refused to answer questions that same day when approached by the reporter inside the Grand Hotel.

During a closed-door state committee meeting on Sunday, the final day of the Mackinac conference, Karamo spoke about the health of the Michigan Republican Party's finances, according to a recording of the meeting obtained by The News.

"The party is not going bankrupt," Karamo told state committee members.

Murky finances

In July, Bonamie informed other Republicans at a meeting in Clare the party had about $93,000 in its bank accounts and was working on paying outstanding debt, according to a recording previously obtained by The News.

It's not clear in the bank records, which cover accounts launched by Karamo's team, how much debt remains. But the records do show about $90,000 in the accounts in early July when Bonamie gave his report.

In March, just after she became chairman in February, Karamo told a group the party had $460,000 in debt from the past leadership team.

Having debt is not unusual for the state GOP after a competitive election. But what is unusual, according to longtime Michigan Republicans, is the struggle the party in a key battleground state is having collecting money.

The bank documents show that multiple Michigan Republican Party accounts have fallen into the red at points this year, and Karamo's leadership team has frequently transferred money from one account to another to meet obligations.

In the past, the party has used its "administrative" account, which can raise money from corporate donors in secret, to fund the Mackinac conference, according to campaign finance disclosures. But this year, the party used its federal campaign account, which is usually focused on races for federal offices, such as Congress and president, and has to disclose its donors, according to campaign finance disclosures.

The biggest deposit in the "administrative" account this year was $10,007 on July 8, according to the bank records, which don't show where the money came from. The account's balance hasn't reached above $16,000, according to the records.

Ahead of the 2021 Mackinac conference, there were significant six-figure corporate sponsorships, former Michigan Republican Party Executive Director Jason Roe previously told The News.

Across April and May, the party's federal account paid the Grand Hotel $109,496 for the conference. The party disclosed the payments in federal campaign finance reports.

By Aug. 9, the party's federal account had a balance of $44,329, according to the bank records. But on Aug. 10, the party's federal account paid the Grand Hotel another $65,854, temporarily putting the account's balance at -$21,524, according to the records.

The party received $31,980 that same day from an unlisted source, pushing the account balance back up to about $11,000 on Aug. 10, according to bank records.

Moving money

The party's state bank account, which is usually focused on state-level races, had about $5,256 remaining as of Aug. 10, according to the bank records.

The account would be the one the party uses next year to get involved in campaigns for control of the state House. Currently, Democrats hold a narrow 56-54 seat majority in the chamber. Every seat will be on the ballot in 2024.

The Michigan GOP's state account had a negative balance as recently as June 14, according to the records. But the party quickly transferred $7,400 from the federal account to the state account, giving it a positive balance of $6,683.

Overall, the Michigan Republican Party transferred $31,400 from the federal account to the state account from April 12 through Aug. 10, the records show. Other than the transfers, the largest deposit in the account over the period was $250, the records show, indicating the party's fundraising is primarily happening through the federal account and then money is being moved elsewhere.

Karamo's "chair" account has received $11,400 in transfers from the federal account, according to the records.

The transfers from the federal account to other state party accounts don't appear to be detailed in the Michigan Republican Party's federal campaign finance disclosures.

As of June 30, the Michigan Republican Party reported its federal fundraising committee had $146,931 cash on hand. The bank records showed the federal bank account had about $66,278 at that point.

Using money in a federal party account for expenditures that wouldn't require reporting under federal law because they weren't related to federal politics would be an accounting "nightmare," said Mark Brewer, an elections lawyer and former chairman of the Michigan Democratic Party.

"You just risk breaking the law every time you do something like that," Brewer said of having to track financial totals while moving money in and out of the account.

In July, the Federal Election Commission asked the Michigan Republican Party why its financial tallies for the federal committee appeared to be incorrect. On Sept. 11, the party said it was working to address the question.

The Michigan Republican Party told the commission it "has gone through a series of administration transitions this year."

[beardedmrbean]

NEW YORK (AP) — The leader of a New York City church where pop star Sabrina Carpenter filmed provocative scenes for a music video was stripped of his duties Monday after church officials said an investigation revealed other instances of mismanagement.

Monsignor Jamie Gigantiello was relieved of “any pastoral oversight or governance role” at his church located in the Williamsburg neighborhood of Brooklyn, Bishop Robert Brennan said in a statement issued by the Roman Catholic Diocese of Brooklyn.

An investigation launched after the video revealed that Gigantiello made unauthorized financial transfers to a former top aide in New York City Mayor Eric Adams' administration, which is being investigated on charges of corruption, Brennan said.

“I am saddened to share that investigations conducted by Alvarez & Marsal and Sullivan & Cromwell LLP have uncovered evidence of serious violations of Diocesan policies and protocols at Our Lady of Mount Carmel – Annunciation Parish,” the bishop said. “In order to safeguard the public trust, and to protect church funds, I have appointed Bishop Witold Mroziewski as administrator of the Parish.”

Gigantiello's administrative powers were taken away after Carpenter’s video for her hit song “Feather” sparked criticism last November.

The priest has now also been cut from his pastoral duties, giving Mroziewski “complete authority over the parish,” including on liturgical matters, though Gigantiello will still be able to say Mass with Mroziewski's approval, said diocese spokesperson Adriana Rodriguez.

Brennan, who oversees Catholic churches in the New York City boroughs of Brooklyn and Queens, said he also relieved a deacon who had been appointed as a temporary administrator during the investigation. He said the deacon had used racist and other offensive language during private conversations in the parish office that had been secretly recorded at Gigantiello’s direction.

Gigantiello didn’t respond to email and Facebook messages seeking comment Monday.

Released on Oct. 31, 2023, the “Feather” music video revolves around men behaving badly toward Carpenter before meeting grisly deaths.

At points in the video, the former Disney Channel star is seen pulling up to the distinctive brick church in a pink hearse and then dancing in front of the church’s ornate altar wearing a short black dress and a black veil alongside a colorful array of faux coffins.

The diocese at the time said it was “appalled” and that proper procedures for filming had not been followed.

Besides relieving Gigantiello of administrative duties, Brennan also dropped him from fundraising duties as vicar of development for the diocese and conducted a spiritual rite to restore the sanctity of the church.

In a letter to parishioners last November, Gigantiello said approving the filming was a “lapse in judgment” and maintained he wasn’t present at the time and didn’t realize how provocative the shoot would be.

On Monday, Brennan said a broader review uncovered other instances of administrative impropriety.

Among them is an ongoing investigation into Gigantiello’s use of a church credit card for “substantial” personal expenses, he said.

From 2019 to 2021, the monsignor also transferred $1.9 million in parish funds to bank accounts affiliated with Frank Carone, Adams' former chief of staff, Brennan said.

The bishop said Gigantiello failed to seek prior approval for the transactions and didn’t properly document them, in violation of the diocese’s investment policies and protocols.

Carone’s law firm repaid $1 million of the funds, along with about 9% interest, according to Brennan. Gigantiello also requested early repayment for the remainder, but without the substantial interest called for under the loan notes, the bishop said.

Federal investigators have subpoenaed the Brooklyn church seeking information about Carone and Gigantiello’s financial dealings, though neither has been accused of any wrongdoing.

Brennan stressed the diocese is “fully committed” to cooperating with law enforcement in its investigations.

Carone didn’t respond to an email seeking comment, but Gigantiello has defended his stewardship, telling The City, a local news outlet, that the investments were legal and yielded a significant return for the church.

Meanwhile, the commotion set off by her music video hasn’t been lost on Carpenter.

She made light of it during a concert at Madison Square Garden in late September, just days after Adams became the first New York City mayor indicted while in office.

“Damn, what now?” she said cheekily to the Manhattan crowd. “Should we talk about how I got the mayor indicted?”

[oswednesday]

my mom asked why i keep getting mail from like loan stuff and its like they have to send the mail like your bank statement comes in regularly thats how that works are you born today (i didnt word it like this i was like what do you mean its my monthly mail?) and she was all snotty like are you forgiven yet and i was just like thats not how that works and then she went on this insane rant of like how she was working through college and worked to pay off her tuition all while having ME (she had me when she was in her 30s like,,,,,what are you talking about) like her family payed for her college she attended smith she use to brag about how her inheritance from her grandparents covered her tuition and her rent money she wouldnt help me with my college stuff at all being like when i attended it was only this small amount of money so youre lying

but apparently she was a poor starving artist in the impoverished village of greenwich, nyc and shes screaming about how my dad would steal her money like i dont see what that has to do with me at all we are not the same person and she went on to keep dating terminal losers so like ? and how no one has ever forgiven her for anything which is a wild thing to say while framing yourself as a victim of some kind of fantasy of injustice the wildest thing is i dont have loan forgiveness and shes like at least 70% of the reason i had to take out loans in the first place, like family members on her side didnt even know what work study was is how much money she has for frame of reference, like talk about a complete distortion of facts

[classicquid]

Short Term Loans UK Direct Lender Can Help You Save Money

Who in this day and age needs a quick fix for their financial issues? Loans are becoming a more and more popular choice; in England, short term loans UK direct lender are available. Continue reading to find out how to obtain the appropriate sum of money to augment your monthly income or assist with unforeseen costs if you have an accident or a chronic illness.

Payday loans, often known as salary advance loans, give people who need money quickly access to it. They provide protection against unanticipated costs or fill shortfalls in weekly or monthly budgets. As the name suggests, they are short term cash loans that are intended to be paid back on the creditor's subsequent paycheck. Even though you might anticipate higher interest rates with short term loans UK direct lender, they are quick and practical in an emergency. Therefore, it is crucial that all borrowers think about the potential dangers and make agreements for responsible lending.

In the UK, How Does Short Term Cash Operate?

Since 2014, short term cash loans have been regulated by the Financial Conduct Authority (FCA). But since these loans are subject to varied state regulations, it's critical to comprehend the general terms and circumstances in your area. Typically, short term loans UK direct lender are for modest sums of money between £100 and £1,500. Usually, the borrower has until their next paycheck to reimburse it. In order to keep payday loans from becoming more expensive, the FCA in the UK also set a restriction on their interest rates. It forces lenders to be open and honest about the entire cost of the loan, including any fees. A certified public accountant may be used by lenders to take repayment straight out of the borrower's bank account. Borrowers have the option to terminate the CPA and set up a different repayment plan, though. A borrower must also be aware that the laws and procedures governing payday loans UK are subject to change.

How to Apply for a Short Term Loans UK

Examine and contrast lenders: Begin by investigating and contrasting several UK lenders. Always choose a trustworthy lender with clear conditions and competitive interest rates.

Verify your eligibility: Examine each reputable lender's eligibility conditions to make sure you meet them, including those related to age, bank account, residence, income, and credit score. Obtain Necessary Information: Prior to completing the loan application, collect financial and personal information, including proof of address, income, bank statements, and identity (passport, driver's license).

Online Application: Online short term loans UK direct lender applications are accepted by the majority of payday lenders. Go to the lender's website and complete the application with current, correct information.

Examine the terms and conditions: Your final short term loans UK agreement's terms and conditions must be read and comprehended. Get in touch with your lender right away if you require any clarification or adjustments on fees, due dates, or possible penalties for late payments.

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https://classicquid.co.uk/

[fastnuevacash]

Is It Easy to Choose the Best Finance with Same Day Payday Loans?

Indeed, you have the chance to select the best financing option with same day payday loans and promptly handle any urgent costs. If authorized for a payday loan, you can expect to get your funds in your bank account the same day.

The application process is quick and simple with an online form that you select from the website. All that is required of you is to complete the form with your personal and fast cash loans online details; the money provider will handle the rest. Your data is received by the lender upon final submission, and they confirm it for approval or rejection. Within five minutes if it is accepted, you will receive a notice on your phone or email.

Why Should I Apply for Same Day Loans with Direct Deposit?

When you're looking for same day funding loans or even direct deposit, you don't have to provide collateral or guaranteed co-signer. These are short-term loans that are given to you for modest financial needs with a brief payback period. Nevertheless, you can choose the finest financing option from $100 to $1,500 with a 90-day payback time. In addition, it is paid back every week. Depending on whether you commit to a cash payback, interest rates vary. The repayment amount could be between $12 and $16 for every $100 financed if you make your same day payday loans payments on the due date. Repayment delays result in excessive interest rates. Therefore, it is best to create a proper plan in order to prevent paying any upfront costs.

Can someone with poor credit still get a Fast Cash Loans Online?

In the United States of America, no lender will offer a loan to a borrower with a bad credit history due to the risk. However, you can still get fast cash loans online without undergoing a rigorous credit check even if you have bad credit. The lending criteria established by the lenders providing these loans must be followed. You must be a U.S. resident, be at least eighteen years old, have a full-time job, and receive your monthly salary in your bank account in order to qualify for the loan. On rare occasions, lenders could ask you to submit a bank account statement.

You may still be required to undergo a soft credit check, but it won't affect your credit history. You can therefore obtain your suitable loan despite defaults, arrears, foreclosure, late payments, judgments from a country court, voluntary agreements made by individuals, etc.

Although approval is not guaranteed by any lender, Nueva Cash works to offer financial solutions to people with all credit scores. Borrowers are encouraged to apply since our flexible lending policy increases the likelihood of approval. Getting a payday loans online same day with bad credit may seem impossible during hard circumstances, but it is very feasible if you take the proper steps. No matter their credit history, we think everyone deserves a shot. Those in need can get a prompt and useful answer through the online application procedure and its possibilities, such as same-day funding and approval.

https://nuevacash.com/

[jexistheblogger]

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[dreaminginthedeepsouth]

LETTERS FROM AN AMERICAN

May 7, 2024

HEATHER COX RICHARDSON

MAY 08, 2024

The past two days of former president Trump’s criminal trial for falsifying business records to hide a $130,000 payment to adult film actress Stephanie Clifford, also known as Stormy Daniels, to silence her before the 2016 election have been illuminating in different ways.

Yesterday, witnesses established that the paper trail of payments to Trump fixer Michael Cohen, who forwarded the money to Daniels, had been falsified. That paper trail included invoices, checks, and records. Witnesses also established that Trump micromanaged his finances, making it hard to believe he didn’t know about the scheme. 

That scheme looked like this: Former Trump Organization employee Jeffrey McConney said that Trump’s former financial chief Allen Weisselberg, who has gone to jail twice in two years for his participation in Trump’s financial schemes and is there now, told him to send money to Cohen. Cohen had paid Daniels $130,000 from a home equity loan in 2016 to buy her silence about a sexual encounter with Trump. Cohen received 11 checks totaling $420,000 in repayment, including enough money to cover the taxes he would have to pay for claiming the payments as income for legal services, and a bonus. 

Nine of those checks came from Trump’s personal bank account. His team sent the checks to him at the White House for his personal signature. 

A number of observers have suggested that the evidence presented through documents yesterday was not riveting, but historians would disagree. Exhibit 35 was Cohen’s bank statement, on which Weisselberg had written the numbers to reflect the higher payment necessary to cover Cohen’s tax bill for the money. Exhibit 36 was a sheet of paper on which McConney had recorded in his own hand how the payments to Cohen would work. The sheet of paper had the TRUMP logo on it. 

“It’s rare to see folks put the key to a criminal conspiracy in writing,” legal analyst Joyce White Vance wrote in Civil Discourse, “but here it is. It’s great evidence for the prosecution.” 

Today, Daniels took the stand, where she testified about how she had met Trump, he had invited her to dinner but greeted her in silk or satin pajamas, then went on to describe their sexual encounter. The testimony was damaging enough that Trump’s lawyers asked for a mistrial, which Judge Juan Merchan denied, noting that the lawyers had not objected to much of the testimony and must assume at least some responsibility for that. 

The case is not about sex but about business records. But it is hugely significant that the story Daniels told today is the one Trump was determined that voters would not hear before the 2016 election, especially after the “grab ‘em by the p*ssy” statement in the Access Hollywood tape, which was released in early October 2016. While his base appears to be cemented to him now, in 2016 he appeared to think that the story of him having sex with an adult film star while his wife had a four-month old baby at home could cost him dearly at the ballot box. 

The other election-related cases involving Trump indict him for his determination to cling to power after voters had turned him out in 2020. This case, from before he took office, illuminates that his willingness to manipulate election processes was always part of his approach to politics. 

Joyce White Vance is right that it’s rare to see folks put a criminal conspiracy in writing, but it is not unheard of. In our own history, the big ranchers in Johnson County, Wyoming, organized as the Wyoming Stock Growers’ Association, decided in 1892 to clear out the smaller cattlemen pushing their animals onto the federal land and the railroad land the ranchers considered their own. They hired 50 gunmen in Texas to kill their competitors, and they gave them a written list of the men they wanted dead. 

The gunmen killed four of the smaller cattlemen after cornering them in a cabin, but outraged settlers surrounded the gunmen and threatened to hang them all. Local law enforcement sided with the small cattlemen, and the Wyoming Stock Grower’s Association appealed to the governor for help in restoring order. The governor, in turn, appealed to President Benjamin Harrison, who sent troops to rescue the stock growers’ men from the angry settlers and lawmen. The expense of keeping the stock growers’ men imprisoned nearly broke the state.

Witnesses became mum, and the cases against the Texas gunmen fell apart. The stock growers had first intimidated and then killed those who tried to challenge their monopoly on the Wyoming cattle industry. Then, thwarted by local lawmen, they called in the federal government, and those stock growers involved in the Johnson County War actually got away with murder.

This evening, Judge Aileen Cannon vacated the May 20, 2024, trial date for the criminal case of Trump’s retention of classified documents and declined to set a new date. With so many remaining issues unresolved, she wrote, it would be “imprudent” to set a new trial date. 

This is the case in which the U.S. government accuses Trump of retaining hundreds of classified documents that compromised the work of the Central Intelligence Agency, which provides intelligence on foreign countries and global issues; the Department of Defense, which provides military forces to ensure national security; the National Security Agency, which collects intelligence from communications and information systems; the National Geospatial Intelligence Agency, which provides intelligence from imagery; the National Reconnaissance Office, which operates satellites and reconnaissance systems; the Department of Energy, which manages nuclear weapons; and the Department of State, including the Bureau of Intelligence and Research, which provides intelligence to U.S. diplomats. 

These are the documents the Federal Bureau of Investigation later recovered from Mar-a-Lago, where they were stored in public spaces, including a bathroom, after Trump first retained them, then denied he had them, and then tried to hide them. 

The U.S. government charges that “[t]he classified documents TRUMP stored in his boxes included information regarding defense and weapons capabilities of both the United States and foreign countries; United States nuclear programs; potential vulnerabilities of the United States and its allies to military attack; and plans for possible retaliation in response to a foreign attack. The unauthorized disclosure of these classified documents could put at risk the national security of the United States, foreign relations, the safety of the United States military, and human sources and the continued viability of sensitive intelligence collection methods.” 

Today, Trump's trial for his retention of these classified documents is indefinitely postponed.

Trump appointed Cannon to the bench, and the Senate confirmed her after he lost the 2020 presidential election. She has seemed to be in no hurry to bring the case to trial before the 2024 election, a case that, if he is reelected, Trump will almost certainly quash. 

LETTERS FROM AN AMERICAN

HEATHER COX RICHARDSON

[castielsprostate]

I'm nosy af. I want to see Misha's bank statements and tax returns. I genuinely wonder (like, all the time) what decent rich people (not asshole rich people.. i know what they spend their money on) actually spend their money on. I've never had money. I spend everything i get on food and rent. I go into debt buying shampoo and deodorant. my laptop is 12 years old (and i had to get a loan to buy that and pay it off over five years.) My phone is newer (2016) but was a secondhand gift. I don't own a car. I don't have any pets. I've never in my life been on vacation. I have no insurance, I'll never be able to afford a house and I will almost certainly die tens of thousands of dollars in debt. (I looked into funeral expenses recently and thought FUCK i can't even afford to die!) I wonder what it feels like to.. not live like this? Misha was poor as a kid. I wonder if you get used to wealth if you've been dirt poor? Like i wonder if Dolly Parton is used to being rich now, decades after growing up in a shack with no electricity or running water. I can't even imagine ever getting used to not worrying about having enough food. If I was ever that rich (don't have to worry about food or rent money) I think i'd feel like the wealthiest person in the world. I legit can't even imagine it though. It would take me 20 years to earn $250,000, but Misha can do it in a weekend. Crazy world. (This is not a criticism of him. I love him. I bet he spends a lot of that money doing good things. I'd love to see his receipts, tho.)

oh anon i feel you!!!!! i grew up with literally eating 50p macaroni every day for WEEKS. in the winter we didn't have connected heating because we just couldn't pay for it so we had a diesel generator (this was in 2006). it got better, we got heating (sort of lmao) and we could afford wayyy more when my mum got a job. the little bits of money i got, i never got used to it, it always felt like this is the last im getting i need to save this and not spend that but it didn't go away but the feeling stayed. the feeling of "you're gonna lose this next month" doesn't go away. and we're talking an amount of 1k a month here lmao sjsjsjs i could NEVER imagine having to not worry about rent or food or getting clothes i need or new shampoo. right now i'm worrying about the 15€ i need for some things i genuinely need, but literally dont have the money for. the world would seem so much brighter if I wouldn't even have to look at my bank account and just put the card down yknow?

i dont think anyone that grew up poor, even misha or dolly tbh, every get used to having money :/ and as you said, he makes that in a weekend now (though he also donates a lot of money and uses it for good, a lot is going into investments, his kids' funds etc) but i still think he has that underlying worry gnawing at him that this is it and he's gonna have to do xyz and sell yzx and take up zyx job. it's a never ending pool of anxiety and stress that never ebs and it probably hits him right before going to bed

but then again, i'm just tumblr user castielsprostate what do i know

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