#Best loans for housewives

[fincrif]

How to Get a Personal Loan If You Are a Housewife?

A personal loan for housewives can be a great financial solution for managing personal expenses, starting a small business, investing in education, or covering emergency needs. While traditional lenders require stable income proof, housewives can still qualify for personal loans through alternative income sources, collateral-based loans, or co-applicants.

In this guide, we will explore the best ways for housewives to get a personal loan, the eligibility criteria, and the documents required for a successful loan application.

1. Can Housewives Get a Personal Loan?

Yes! Even though housewives may not have a regular salary, they can still avail personal loans using different methods. If a housewife has an alternate source of income, such as freelance work, rental income, or investments, some lenders may approve a loan based on that financial stability. Applying with a co-applicant, such as a husband or family member, increases the chances of loan approval since the lender will assess the co-applicant’s creditworthiness. Secured loans, such as gold loans or loans against fixed deposits, are another excellent option as they require collateral instead of income proof. Government-backed schemes also provide special loans for women entrepreneurs, helping housewives start a small business or self-employment venture.

2. Best Loan Options for Housewives

Unsecured Personal Loan with a Co-Applicant

Housewives can apply for a personal loan by including a husband, sibling, or parent as a co-applicant. The lender will evaluate the co-applicant’s income, credit score, and repayment capacity to determine loan eligibility. This option allows access to higher loan amounts, often up to ₹50 lakh, depending on the co-applicant’s financial strength.

Secured Personal Loan Against Gold or Fixed Deposit

Gold loans are a popular choice for housewives who possess gold ornaments, as they can be used as collateral to obtain funds. Many banks and NBFCs provide instant approval on gold loans with minimal documentation. Similarly, if a housewife has a fixed deposit, she can avail a loan against it, with some lenders offering loans up to 90% of the FD value.

Government Schemes for Women Entrepreneurs

The government has launched several financial schemes to support women who want to start their own business. The Mudra Loan (PMMY) provides up to ₹10 lakh for small business ventures. The Stree Shakti Yojana and Mahila Udyam Nidhi Scheme offer funding support with special benefits for women entrepreneurs. Housewives planning to start a home-based business, boutique, or any self-employment venture can benefit from these schemes.

3. Eligibility Criteria for Housewives Applying for a Loan

Housewives need to meet certain basic criteria to qualify for a personal loan. While exact requirements vary from lender to lender, most banks and NBFCs will consider factors such as age, alternative income sources, credit score, loan type, and whether the applicant is applying with a co-borrower or using collateral. Housewives without a salaried job can still qualify by fulfilling one of these conditions. Lenders will assess whether they have a stable source of income through investments, rent, or a co-applicant’s financial support.

4. Documents Required for a Personal Loan for Housewives

To apply for a personal loan, housewives need to submit some essential documents. Identity proof, such as an Aadhaar card, PAN card, passport, voter ID, or driving license, is required to verify the applicant’s identity. For address verification, documents like an Aadhaar card, rental agreement, utility bills, or a ration card can be submitted. If the housewife has an alternative source of income, such as rental income or freelance work, proof of income such as bank statements, investment statements, or invoices may be required. If the loan is secured, additional documents like gold valuation certificates for gold loans or fixed deposit certificates for FD-backed loans must be provided. If applying with a co-applicant, the co-borrower’s salary slips and income tax returns will be required to assess repayment ability.

5. How to Apply for a Personal Loan as a Housewife?

Applying for a personal loan as a housewife is a straightforward process. The first step is to choose the right loan type, whether it's a co-applicant-based loan, a secured loan, or a government-backed loan. Once the right option is selected, the next step is to compare offers from different lenders to find the best interest rates, repayment terms, and minimal paperwork requirements. After selecting a lender, housewives should gather and submit all required documents, including identity proof, address proof, income proof (if applicable), and any collateral documents. Once the application is submitted, the lender will assess eligibility, verify the documents, and approve the loan if all criteria are met. Upon approval, the loan amount is disbursed directly into the housewife’s bank account.

6. Tips to Improve Loan Approval Chances for Housewives

To increase the chances of getting a personal loan approved, housewives should consider a few key strategies. If they do not have a stable income source, applying with a co-applicant who has a good credit score and financial stability can make a big difference. Choosing a secured loan, such as a gold loan or FD-backed loan, can also improve approval chances as it reduces the lender’s risk. Maintaining a good credit score or ensuring that the co-applicant has a strong repayment history can also help secure a loan with better terms. If a housewife earns from freelance work, rent, or investments, keeping proper bank statements and financial records can make it easier for lenders to assess financial stability.

7. Best Personal Loan Providers for Housewives

Several financial institutions offer personal loans tailored for housewives, whether they require a co-applicant, collateral, or government-backed support. Some of the top options include:

IDFC First Bank Personal Loan – Best for salaried co-applicants

Axis Bank Personal Loan – Low-interest rates for women borrowers

Bajaj Finserv Personal Loan – High loan amounts with flexible tenure

Tata Capital Personal Loan – Easy eligibility for secured loans

Axis Finance Personal Loan – Best for self-employed housewives

InCred Personal Loan – Instant loan approvals for women

By selecting the right lender and the most suitable loan type, housewives can access financial support easily and fulfill their personal or business goals.

Empowering Housewives with Personal Loans

A personal loan for housewives can be a stepping stone towards financial independence and economic stability. Whether it’s for personal expenses, business funding, or emergency needs, housewives have multiple loan options available. By choosing the right loan type, submitting the required documents, and applying smartly, they can secure the necessary funds without hassle.

For housewives looking for quick and easy loan options, lenders offer flexible solutions, including co-applicant-based loans, secured loans, and government schemes designed for women. Exploring these options will ensure a smooth loan approval process and help housewives achieve their financial goals.

🔗 Apply for a Personal Loan Today:

Explore Personal Loans

With tailored loan solutions for women and housewives, securing a personal loan is now easier than ever.

[dontbesoweirdkira]

Non-yandere Vito with 2 little girls. I feel like he’d spoil them and his wife rotten

A/N: now this is what I’m talking about! Slightly got carried away idk. Also sorry this is coming out fairly late, I took a break from writing this fandom blows. But I love my supporterssss!!!

Warnings: none

Masterlist

Requests open 24/7

Yes you are correct about Vito spoiling the crap out of his girls! I’ve said before and I’ll say it again, this man loves women.

He especially loves his wife, he never thought he’d be the kind of asshole to settle down and start a life but…man you rocked his world.

When you got together, so many of his bad habits (with time) died down and he was on a mission to become a better man for you. He just couldn’t lose you over him stealing and lying.

Whatever you ask of him, he’ll make the entire world bend just for you, even if that means some hefty sacrifices.

“Vito, baby?”

“Hmm?”

“I think I want a house. A real nice one, somewhere in the countryside so our kids will have plenty of room to grow.”

Within the next few months he sold all his fancy cars and suits, took out a loan and bought your dream house.

I don’t think he even registered the kids part..Vito was just like I’m not gonna make you repeat yourself

Speaking of kids…

I have to say the babies were definitely unplanned and happened on the first night of moving into your new home.

You guys were just a young and blissful couple.

You were so happy that you got your dream so of course you had to let Vito know just how much you appreciate him. Vito was just happy to be there honestly.

Not too long after that night you were rushing downstairs to share the good news to your husband.

I think that Vito slightly didn’t really want kids and was stressing the entire pregnancy. Like you’ll catch him reading a woman’s magazine to figure out how exactly to take care of the child or find him watching an educational video of a woman giving birth.

He’s pale as a ghost and you can tell how distressed this man is.

Deep down he’s secretly scared that he won’t really be a great father. His own father died rather young and the only men he had to looked up to was Joe and maaaaybeeee some people back in the mob. Which weren’t exactly *great* role models

“Vito~ you’re going to be a great father. I wouldn’t wish for anyone better to raise my kids.” You cooed at him as he rested in your lap, burying his face into your plump stomach

He really appreciated all of your words of encouragement and it made him feel a bit better about the situation.

The day you gave birth he was definitely a nervous wreck again. He came into the delivery room with balloons, flowers, and all your favorite goodies to try to make things better for you. He paced the room and tried his best to give you motivation. He just didn’t know what to do with himself.

“Honey, all I need is for you to hold my hand please. I’m just as scared as you.”

Once everything was said and done and he got a chance to hold his little girls in his arms, something flipped a switch in him. His fatherly instincts took over and suddenly everything he needed to do was clear.

He thought a lot about what kind of parent he’d be. Vito mainly figured he’d be the bad cop to your good cop. I mean ex-convict turned soldier turned gangster…that’s a recipe for the scariest father ever. He was fine with being the disciplinarian.

But once he laid eyes on his twin girls, all he wanted to do was protect and spoil them. Just like with you, everything they ever wanted, they were gonna get!

He couldn’t believe he played a part in making such precious babies like this. Of course you did the heavy lifting, but he was just so proud of them…and especially you.

Vito was actually extremely helpful during your postpartum, he took time off of work just to be with you and take care of the girls whenever you needed.

Will not let you get on your feet for anything! If electric scooters were a thing back then, girl you would’ve been forced into one😭

Certified housewife-dad now! He took over cooking, cleaning and laundry as well as the designated person to get up every night for the babies.

Don’t bother even offering, that man was lowkey mesmerized by the childbirth and seeing your body contort like that, that he is like “no no please…you’ve been through enough sweetie”

Besides it doesn’t bother him, he is just so obsessed with his daughters that he will find any reason to bond with them.

(Pretty sure he got them completely mixed up tho oops)

Definitely brought tons of “daddy’s girl” merchandise for them and now has a minivan 🤣

“You know daddy is neeeever gonna leave you two. I’ll fight my way outta hell if that means I’ll get to see you both grow up. I promise I’ll be a good pop for you, okay?”

Aww he’s just so sweet

Their first birthday was sooo huge. Like an Italian wedding big! Everything was decked out in pink and super kiddy. He even had the most extravagant cake for them that only they were allowed to eat ;-;

As they get older, he gives you tons of money to go on cute little mommy daughter days with them and pick out whatever y’all want.

I can imagine him sitting on the couch for a little fashion show and sometimes helping do their hair in the morning for school.

Of course he pampers you and will stay home on the weekends with the girls so you can go have a little break for a bit and go to the salon or something.

If the twins got into your expensive makeup or aren’t listening to you, he will always defend you first and foremost. He will not tolerate any disrespect towards you, even if it was minor.

100% they act like angels when he is around

Speaking of scary Vito.

I don’t think the girls would know that he was ever affiliated but I can imagine him chasing down grade school boys because they showed interest in his girls.🤣🤣

I think he's the perfect girl dad to be honest. He definitely baby talks to them and wears tiaras now but will still refuse to admit that he’s “soft” now but everyone can tell. If Joe was around he’d never let Vito live it down XD

[ts4delsolhousewives]

Pop sensation, Thorne Bailey and his wife Octavia Bailey-Moon dazzle on the Oscars Red Carpet.

The Cast of The Real Housewives of Del Sol Grace the Oscars Red Carpet 2025

March 2, 2025 Updated 11:13 p.m. EST

The carpet outside of the Dolby Theater in Del Sol Valley was classic red this evening as the stars who appeared at the 97th Academy Awards adorned colors from all across the spectrum.

The Oscars season has been a long standing fashionable must see event and this years red carpet did not disappoint. Among those attending the Awards where some of the cast of the Real Housewives of Del Sol Valley. Every lady arriving to the annual ceremony on Sunday afternoon in their sartorial best.

Here's how the ladies looked when they made their biggest entrances of the year.

Penny Pizzazz wore a custom Mars Bergman gown.

Model and Influencer Penny Pizzazz graced the carpet in a custom Mars Bergman gown by MSSIMS. Her fiancé and boxer Channing Beckett boasted a dark green dinner jacet to compliment his beautiful beau.

The couple are expected to wed in a private ceremony in Tartosa later this Spring.

Baby Ariel also wears custom Mars Bergman on the red carpet for the 97th annual Academy Awards.

Pop Singer, Baby Ariel arrived on the Oscars red carpet wearing a custom black Mars Bergman gown. The pop star told reporters that she "wanted to make a statment" as this is the singers first time being invited to the awards ceremony.

Baby Ariel on the Oscars red carpet in custom Mars Bergman.

The pop stars song Awakening was recorded for the film We Ride at Dawn, which is nominated in a few categories this evening.

Singer Thorne Bailey and his wife, Octavia Bailey-Moon arrive on the red carpet this afternoon.

Singer Thorne Bailey arrived with his wife, Octavia Bailey-Moon were also among the cast to grace the red carpet this afternoon. Tonight is a special evening for Octavia as she is nominated for an Academy Award for best screenplay for her writing on the indie film Le Petria.

Octavia wore a vintage Vera Wang sequin gown with jewelry on loan from Harrods Jewelers. The jewels were estimated to cost around $1 million.

Special thanks to @greencccreator and @mssims for the backdrop and beautiful gowns

[rachel-bloom]

things that will never fail to piss me off about desperate housewives:

susans attitude towards julie's baby and basically guilt tripping her into keeping it and disregarding any of her feelings

how mike died because of the shit ben pulled with the loan sharks and it was never mentioned again by any of the girls and renee still married him in the end

not as much pissed off rather confused: why is paul young on the "dead people" lane in the series finale when he survived the latest murder attempt and is just in jail? would it not be mentioned if he had been killed through a cell mate? he was an essential character to the series....... i want to know!

how tom used lynette as a baby machine for years and then left her for the next best girl moves in with her after three months when he has been through literal tragedies and cancer with lynette (fuck him)

that's it feel free to add to the list if you want

[rosamunguia]

Housewives can secure personal loans through various options, even without a regular income. Lenders may consider factors like a co-applicant with a stable income, existing assets, or income from other sources such as rent or investments. Additionally, some financial institutions offer special loan products tailored for homemakers.

[project1939]

200 Films of 1952

Film number 153: Loan Shark

Release date: May 23rd, 1952 

Studio: Lippert Pictures 

Genre: noir 

Director: Seymour Friedman 

Producer: Bernard Luber 

Actors: George Raft, Dorothy Hart, Paul Stewart  

Plot summary: An ex-con agrees to go undercover to stop a group of loan sharks from destroying a tire manufacturer’s workforce.  

My rating (out of 5 stars): **½  

Here’s a perfect example of a cheap noir with lots of good elements that somehow manages to feel like a parody. One moment it was doing something pretty cool, and the next I felt like I was watching a Leslie Nielson comedy. Much of the blame for it, I’m sorry to say, lies with George Raft. When I did Project 1939 I thought he was dreamy in those Warner Brothers gangster flicks, but here? To say he was wooden would be an understatement! (Spoilers) 

The Good: 

The style of the film was its greatest asset- it was classic noir up and down. The grit, the darkness, the contrasts, the use of sound... I loved it all. 

The opening scene was A+ noir- a terrorized man is chased through dark empty city streets in the middle of the night. All we hear is the clicking of his shoes as he tries to run away, followed by the clicking of the shoes of the thugs following him. They finally corner him in an alley, and an almost cartoonish fight scene follows. 

Paul Stewart as Lou, one of the bad guys. He’s so good at being creepy! His eyes give some truly scary foreboding looks, and his suavely snakish demeanor only increases the unease when he’s in the room. 

There was some entertaining cheesy dialogue. “Turn off the chill, baby!” “You’re quick tempered and I’m not a bit scared.” “Just the top burner is on, but the oven’s still warm.”  

I liked Dorothy Hart as the female lead. She was sexy with a hint of strength about her. She wasn’t an outstanding actress, but she was more than passable. She looked like Ethel Barrymore next to Raft! 

Hey, it’s the Professor from Gilligan’s Island! He played one of the factory workers under suspicion. 

The Bad: 

The romance part of the story! It was so awkward and unbelievable, I kept writing “ew!” in my notes. So a drop-dead gorgeous woman in her twenties sees a pudgy 59-year-old, finds out he just got out of prison for a violent crime, and her instant response is “Yum! I gotta get me some of that!” Then he nearly sexually assaults her, and she’s like, “No biggie, baby, come back!” Raft and Hart had little chemistry, which just made everything worse. The whole thing made no sense. 

George Raft. I like the guy; he was the main reason I decided to watch this movie, but he was comically bad as a tough talkin’ hardboiled hero. Gangster movies were his bread and butter in the 1930s, so I don’t know why it didn't work here. 

Raft's sexual aggressivity. Sometimes it was funny and oh so noir, but mostly it was just gross and off-putting. 

Most of it was fairly predictable. They completely telegraphed who all the bad guys were. 

The death of Ed was paced all wrong, and it zapped the emotional impact right out of it. 

I didn’t always understand why Joe was supposed to be such a hero when the morality of setting loan sharks loose on housewives and beating up the innocent brother of your girlfriend was highly questionable. 

The ham-fisted attempts at moralizing were a little much. 

The ending! Part of it was hysterical noir at its best and part of it was just silly.

The fight scenes were also unintentionally funny. I almost expected to see cartoon bubbles of "Pow!" and "Bam!" come on the screen. The paunchy middle aged Raft also clearly had a superman body double!

[lxme01]

Why Personal Loans Are Important for Housewives

1. Financial Independence

One of the most significant advantages of personal loans for housewives is the financial independence they provide. Personal loans enable housewives to access funds without having to rely on their spouses or other family members. This financial autonomy is crucial for making independent decisions and handling personal expenses or emergencies.

2. Managing Household Expenses

Running a household comes with various expenses, from daily groceries to unforeseen repairs. Personal loans can help housewives manage these costs effectively, ensuring that the household runs smoothly even during financially challenging times.

3. Emergency Situations

Life is unpredictable, and emergencies such as medical expenses, urgent home repairs, or unexpected travel can arise at any time. Personal loans provide quick access to funds in such situations, helping housewives manage emergencies without significant financial strain.

4. Pursuing Personal Aspirations

Personal loans can also be used to fund personal goals and aspirations. Whether it’s starting a small home-based business, pursuing further education, or investing in a hobby, personal loans offer the necessary financial support to turn dreams into reality.

Benefits of Personal Loans for Housewives

1. Easy Accessibility

Many financial institutions offer personal loans specifically designed for housewives, with simplified application processes and minimal documentation requirements. This easy accessibility ensures that housewives can quickly and conveniently obtain the funds they need.

2. Flexible Terms and Conditions

Personal loans come with flexible repayment terms and conditions, allowing housewives to choose loan amounts and repayment schedules that suit their financial situation. This flexibility helps in managing repayments without undue stress.

3. No Collateral Required

Most personal loans are unsecured, meaning they do not require collateral. This is particularly beneficial for housewives who may not have significant assets to pledge as security. Unsecured loans reduce the risk and make it easier to obtain financial assistance.

4. Improving Credit Score

Taking out a personal loan and repaying it on time can help housewives build or improve their credit scores. A good credit score is essential for accessing future credit at favorable terms, thus enhancing financial stability.

Tips for Obtaining a Personal Loan

1. Check Eligibility Criteria

Different lenders have varying eligibility criteria for personal loans. Housewives should check the specific requirements of each lender, such as age, income (if any), and credit score, to ensure they meet the necessary conditions.

2. Compare Loan Offers

It’s essential to compare loan offers from multiple lenders to find the best interest rates, terms, and conditions. Online loan comparison tools can be helpful in identifying the most favorable loan options.

3. Maintain a Good Credit Score

A good credit score increases the chances of loan approval and may result in more favorable terms. Housewives should try to maintain a healthy credit history by managing any existing credit responsibly.

4. Prepare Required Documents

Having the necessary documents ready can speed up the loan application process. Commonly required documents include identity proof, address proof, and possibly proof of any household income.

5. Consider Joint Applications

If a housewife’s individual eligibility is a concern, applying for a loan jointly with a spouse or family member who has a stable income can improve the chances of approval and potentially secure better terms.

Conclusion

Personal loans offer a valuable financial resource for housewives, providing the means to achieve financial independence, manage household expenses, handle emergencies, and pursue personal goals. By understanding the benefits and following the tips for obtaining a loan, housewives can leverage personal loans to enhance their financial stability and overall quality of life. With the right financial tools and knowledge, housewives can confidently navigate their financial journeys and achieve their aspirations.

[familyraksha]

Introduction

As a housewife, your contribution to your family is invaluable. While you take care of the home and loved ones, it's essential to ensure that your family's financial future remains secure, even in your absence. Term insurance tailored for housewives offers the protection and peace of mind you need to safeguard your family's well-being.

Understanding Term Insurance

Term insurance is a type of life insurance that provides coverage for a specified period, known as the term. In the event of the policyholder's demise during the term, a lump sum amount, known as the death benefit, is paid out to the nominee. This financial cushion helps cover expenses and maintain the family's standard of living.

Challenges Faced by Housewives

Housewives often face unique challenges, including financial dependency and lack of independent income. In the unfortunate event of their demise, the financial burden on the family can be overwhelming, making term insurance essential for providing security and stability.

Importance of Financial Protection

Financial protection is crucial for every member of the family, including housewives. Term insurance ensures that in the event of an untimely death, the family's financial needs, such as daily expenses, children's education, and outstanding loans, are taken care of without any strain.

Tailored Solutions for Housewives

Recognizing the specific needs of housewives, insurance providers offer tailored term insurance plans designed to address their unique requirements. These plans offer comprehensive coverage and additional benefits to suit the lifestyle and responsibilities of housewives.

Features of Tailored Term Plans

Tailored term insurance plans for housewives come with various features, including flexible premium payment options, coverage for critical illnesses, and waiver of premium in case of disability. These features ensure comprehensive protection and peace of mind for housewives and their families.

How to Choose the Right Plan

When selecting a term insurance plan for housewives, it's essential to consider factors such as the coverage amount, premium affordability, additional benefits, and claim settlement ratio of the insurer. Conducting thorough research and comparing different plans can help you choose the one that best fits your needs.

Application Process

Applying for term insurance for housewives is a straightforward process. It involves filling out an application form, providing necessary documents such as identity proof and address proof, and undergoing medical tests, if required. Online application options make the process convenient and hassle-free.

Premium Calculation

The premium for term insurance plans for housewives is calculated based on factors such as age, health condition, coverage amount, and policy term. Insurance providers offer premium calculators to estimate the premium amount, making it easier for housewives to plan their finances accordingly.

[there-are-always-flowers]

It's about the blondes....

My name is Abby and this is what I've read and seen in January 2024. It wasn't until I made this collage that I realized my January was full of atomic blondes. Not All Diamonds... is not strictly about blondes, but I'm sure at one point or another every Housewife has at least considered going blonde.

I hope to use this platform to write about things that I like; though I suppose that's everyone's platforms. I've been going through a rough winter mentally, so I wanted to start the year lightly. I rented Not All Diamonds... from the library in October and was hooked through the OC chapter. But this book was long and I'm a slow reader so I kept renewing the loan until I finished it early in the month.

The book club I've been in chose to read Britney's memoir for the month, and I had been excited to get to it. I was more so excited when I saw it was on Spotify's new audiobook feature. That book was meant to be read audibly, it's not prose so I definitely made the right choice.

The combo of Diamonds... and Britney naturally read to the combo of Bad Mormon. I really hope to talk about Housewives in future post, but goddam I lover Housewives and Heather Gay slayed this last season of RHOSLC. The book was good. I don't love or hate Heather any more or less than I did before reading. But I'm glad I did.

Natural segue had me watch The Polygamist's Daughter and it was a THRILLING documentary. That Mormon cult leader was insane! But the memoir did not live up. I completely respect Anne LaBaron and her trauma growing up in a cult. But hearing the perspective of a child who wasn't clued in on what was happening around her vs a documentary going into what was actually happening, it doesn't compare.

Rounding out the mouth with another true crime American Nightmare was definitely a twist. But why! Why didn't they get into the ex fiancé and the detective. Something is UP!

I'll finish by saying, I don't love my writing. But I hope to develop it over time. I ask anyone who reads this to approach with care. We're all just doing our best, and I'm beginning to consider myself in that too. I'd also like to say any criticism of the things I've seen and read this month is not an indictment of the creators who produced them, but how I perceived them. Creators, please keep creating <3

[investment-insider]

The Importance of Term Plans for Housewives

Term insurance policies are critical to guaranteeing financial stability for families, and their importance is not restricted to the primary breadwinners. Housewives, who make substantial contributions to a household's well-being, can benefit greatly from having a term plan in place. This type of life insurance provides financial protection to the family in the event of the insured person's death within the policy term. In this perspective, consider why term planning are especially vital for housewives.

Why Should Housewives Purchase a Term Plan?

Reduced Premium Prices:

Term plans often provide cheaper premium rates for non-working spouses. This price feature makes it an attractive option for women looking to ensure their family's financial future without straining the overall budget.

Investment and Savings:

Buying a 1 crore Term plans can offer both income protection and savings options to your loved ones in your absence. This can help housewives create a financial corpus over time, providing an extra degree of financial protection.

Funds for Important Future Events:

Housewives might utilize term plan payouts to finance necessary costs, such as children's education, marriage, or debt repayment. This guarantees that the family's financial goals are not jeopardized even when the homemaker is no longer present.

Joint Life Cover:

Many term plans include joint life coverage for spouses. This implies that both partners may be insured by a same policy, offering a comprehensive solution for the entire family's financial security.

Additional Benefits:

Term plans may include riders and benefits like critical sickness coverage, accidental death compensation, or premium waiver. These features can offer additional levels of protection suited to individual requirements.

Advantages of a Term Plan for Housewives:

Affordable Premiums: Term plans for housewives are designed to provide appropriate coverage without exceeding a family's budget.

High Term Plan Coverage: Despite reduced premiums, term plans provide appropriate coverage for families in case of an unexpected incident.

Term insurance premiums can be deducted under Section 80C of the Income Tax Act, incentivizing housewives to invest in a term plan.

How to Choose the Best Term Insurance for a Housewife?

Check the Adequate Coverage:

Assess the family's financial needs, including outstanding loans, projected bills, and other financial objectives. Choose a term plan that offers enough coverage to suit these needs.

Examine the Claim Settlement Ratio: A greater ratio reflects the insurer's ability to resolve claims reliably. Choose an insurance company with an excellent track record in this area.

When selecting a term plan, consider the duration, frequency of premium payments, and other features. Select a plan that meets the family's individual requirements and preferences.

Conclusion:

Finally, term plans are extremely important not just for primary earners, but also for housewives in assuring their families' financial stability and security. Term insurance is an excellent alternative for every family, regardless of its members' job position, due to its low cost, extensive coverage, and additional advantages. Housewives may help their families financially by carefully picking an appropriate term plan.

[fincrif]

Can a Homemaker Apply for a Personal Loan?

Introduction

A personal loan is often a go-to financial solution for individuals needing urgent funds. However, one common question is whether a homemaker can apply for a personal loan without a fixed income source. While banks and NBFCs typically offer personal loans to salaried and self-employed individuals, homemakers have options too.

This guide explores how homemakers can secure a personal loan, eligibility criteria, required documents, and the best lenders offering financial support.

Can Homemakers Apply for a Personal Loan?

Yes, homemakers can apply for a personal loan, but since they do not have a regular income, they may need to explore alternative ways to qualify. Many lenders allow homemakers to apply for a loan with the help of a co-applicant, collateral, or proof of alternative income sources.

Ways a Homemaker Can Get a Personal Loan

1. Apply with a Co-Applicant or Guarantor

A homemaker can apply for a personal loan with a co-applicant (such as a spouse or a working family member). The co-applicant’s income and credit score will determine the loan approval and interest rate.

2. Opt for a Secured Personal Loan

Many financial institutions offer secured personal loans against assets like gold, fixed deposits, or property. If a homemaker has valuable assets, they can pledge them to get a loan with lower interest rates.

3. Show an Alternative Income Source

If a homemaker earns from freelance work, tutoring, rental income, or a home-based business, they can present these income sources as proof of financial stability.

4. Apply for Special Personal Loan Schemes

Certain banks and NBFCs have special personal loan schemes for women and homemakers, offering easier eligibility terms and lower interest rates.

Eligibility Criteria for Homemakers Applying for a Personal Loan

CriteriaRequirementsAge18 - 65 yearsCredit Score650+ (if applicable)Income SourceCo-applicant’s income, secured assets, or alternative incomeEmployment StatusHomemaker with financial backingLoan Amount₹50,000 - ₹50 lakh (varies by lender)Repayment Tenure12 months - 5 years

Best Personal Loan Providers for Homemakers

If you’re a homemaker looking for a personal loan, consider these trusted lenders:

IDFC First Bank Personal Loan

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

Axis Finance Personal Loan

Axis Bank Personal Loan

InCred Personal Loan

Documents Required for a Homemaker to Apply for a Personal Loan

KYC Documents: Aadhaar Card, PAN Card, Voter ID

Income Proof: Co-applicant’s salary slips, bank statements, rental income, or alternative earnings proof

Collateral Proof: If applying for a secured loan

Address Proof: Utility bill, rental agreement, passport

Pros and Cons of a Personal Loan for Homemakers

Pros:

✔️ Financial independence for homemakers ✔️ Quick loan approval with a co-applicant or collateral ✔️ No restrictions on loan usage ✔️ Special schemes available for women borrowers

Cons:

❌ Higher interest rates for unsecured loans ❌ Requires a strong co-applicant or asset for approval ❌ Loan rejection risk if credit history is weak

Tips to Improve Loan Approval Chances for Homemakers

✔️ Maintain a good credit score if you have a credit card or past loan history. ✔️ Opt for a loan amount that suits your repayment capability. ✔️ Consider applying with an earning spouse or family member. ✔️ Explore secured loan options for better interest rates. ✔️ Compare lenders to get the best personal loan deal.

Conclusion

Homemakers can apply for a personal loan through various means, including co-applicants, secured loans, or proof of alternative income. While banks and NBFCs may have strict criteria, many lenders offer customized loan schemes for homemakers to achieve financial independence.

For the best personal loan options, explore:

Personal Loan Options

IDFC First Bank Personal Loan

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

Axis Finance Personal Loan

Axis Bank Personal Loan

InCred Personal Loan

By selecting the right loan type and preparing the necessary documents, homemakers can access financial assistance and meet their personal or family-related needs smoothly.

[fabriciasbrazilianlitblog]

10 Interesting Brazilian Fiction Books

"Dom Casmurro" by Machado de Assis

Bento Santiago, the wildly unreliable narrator of Dom Casmurro, believes that he has been cuckolded – he suspects that his wife has cheated on him with his best friend and that her child is not his. Has Capitú, his love since childhood, really been unfaithful to him? Or is the evidence of her betrayal merely the product of a paranoid mind? First published in 1900, Dom Casmurro, widely considered Machado de Assis’s greatest novel and a classic of Brazilian literature, is a brilliant retelling of the classic adultery tale – a sad and darkly comic novel about love and the corrosive power of jealousy.

(Book Riot, Giovanna Centeno)

2. "Complete Stories" by Clarice Lispector.

The recent publication by New Directions of five Lispector novels revealed to legions of new readers her darkness and dazzle. Now available for the first time in English are all the stories that made her a Brazilian legend: from teenagers coming into awareness of their sexual and artistic powers to humdrum housewives whose lives are shattered by unexpected epiphanies to old people who don’t know what to do with themselves. Lispector’s stories take us through their lives – and ours. From one of the greatest modern writers, these stories, gathered from the nine collections published during her lifetime, follow an unbroken timeline of success as a writer, from her adolescence to her death bed.

(Book Riot, Giovanna Centeno)

3. "The House in Smyrna" by Tatiana Salem Levy.

In Rio de Janeiro, a woman suffering from a mysterious illness which is eroding her body and mind, decides to accept a challenge from her grandfather: to take the key to the house where he grew up – in the Turkish city of Smyrna – and open the door. As she embarks on this pilgrimage, she begins to write of her progress. The writing soon becomes an exploration of her family’s legacy of displacement in Europe, told in several narrative strands. Sifting through family stories – her grandfather’s migration from Turkey to Brazil, her parents’ exile in Portugal under the Brazilian military dictatorship, her mother’s death, and her own love affair with a violent man – she traces her family’s history in a journey to make sense of the past and to understand her place in it. With an epic sweep of time and place – traversing Brazil, Turkey, and Portugal – this is a profoundly moving portrait of a young woman finding her way back into life. Spare, heartfelt, and evocative, The House in Smyrna is an unforgettable story from one of the most accomplished and original new voices in Brazil.

(Book Riot, Giovanna Centeno)

4. "Ways to Disappear" by Idea Novey.

Deep in gambling debt, the celebrated Brazilian writer Beatriz Yagoda is last seen holding a suitcase and a cigar and climbing into an almond tree. She abruptly vanishes. In snowy Pittsburgh, her American translator Emma hears the news and, against the wishes of her boyfriend and Beatriz’s two grown children, flies immediately to Brazil. There, in the sticky, sugary heat of Rio, Emma and her author’s children conspire to solve the mystery of Yagoda’s curious disappearance and staunch the colorful demands of her various outstanding affairs: the rapacious loan shark with a zeal for severing body parts, and the washed-up and disillusioned editor who launched Yagoda’s career years earlier.

(Book Riot, Giovanna Centeno)

5. "The End" by Fernanda Torres.

With uncanny insight into the less virtuous corners of the male psyche, Fernanda Torres brings us five friends who once milked the high life of Rio’s Bossa Nova age and are now left with memories – parties, marriages, divorces, fixations, inhibitions, bad decisions – and the grim realities of getting old. Álvaro lives alone and bemoans the evils of his ex-wife. Sílvio can’t give up the excesses of sex and drugs. Ribeiro is a vain, Viagra-abusing beach bum. Neto is the square, a faithful husband until the end. Ciro is the Don Juan envied by all – but the first to die. Cutting in on these swan songs are the testimonies of those the men seduced, cheated, loved, and abandoned: their wives and children. Edgy, funny, and wise, The End is a candid tropical tragicomedy and an epitaph for a lost generation of machos.

(Book Riot, Giovanna Centeno)

6. "Two Brothers" by Fábio Moon and Gabriel Bá.

Twin brothers Omar and Yaqub may share the same features, but they could not be more different from one another. And the possessive love of their mother, Zana, stirs the troubled waters between them even more. After a brutally violent exchange between the young boys, Yaqub, “the good son,” is sent from his home in Brazil to live with relatives in Lebanon, only to return five years later as a virtual stranger to the parents who bore him, his tensions with Omar unchanged. Family secrets engage the reader in this profoundly resonant story about identity, love, loss, deception, and the dissolution of blood ties. Set in the port city of Manaus on the riverbanks of the Amazon, Two Brothers celebrates the vibrant life and diversity of Brazil. Based on a work by acclaimed novelist Milton Hatoum, Two Brothers is stunningly reimagined by the award-winning graphic novelists Fábio Moon and Gabriel Bá.

(Book Riot, Giovanna Centeno)

7. "Symphony in White" by Adriana Lisboa

Clarice and Maria Inês are growing up in an oppressively silent country house in rural Brazil. They break out, each in their own way, from the world of their parents, surviving the recklessness and pain that blossoms from the trauma of their youth. Now, decades later, Maria Inês is coming back to the farm, her daughter alongside her, to see Clarice. The two, in coming together, will have to face all of their demons, old loves, and bittersweet nostalgia. It’s a story of survival: two women experience a future that is nothing like what they expected, but they made it there nevertheless.

(Book Riot, Leah Rachel)

8. "The Alienist" by Machado de Assis.

In this 1881 book — which is part of Melville House’s Art of the Novella series, with its brilliant minimalist covers — physician Simão Bacamarte decides to give up his career to go home and dedicate himself to the still very, very new field of psychology, opening the first asylum in Brazil. But then, bored, hoping to fill his new hospital, Bacamarte starts to identify signs of madness in the people of the town. And in the 98 satiric pages, the reader is forced to ask themselves who should have control, and who is actually “insane.”

(Book Riot, Leah Rachel)

9. "The Body Snatcher" by Patricia Melo.

It all begins when the narrator is fishing and witnesses a plane crash on the banks of the Paraguay River. The pilot is dead, but has a kilo of cocaine in his backpack — and the narrator decides to pocket it to make some quick money. But given that his girlfriend is a detective and that his new partner is not very discreet, it’s not long at all before the narrator is in way, way over his head, owing thousands to a Bolivian drug gang and being blackmailed by his cousin’s wife. This book is not for a reader who will be turned off by an unlikable narrator: the protagonist’s string of awful decisions quickly mire him into a swamp of steadily multiplying lies and wounds. But it’s an intriguing crime novel that will have you shaking your head. 

(Book Riot, Leah Rachel)

10. "Captains of Sand" by Jorge Amado

They call themselves “Captains of the Sands,” a gang of orphans and runaways who live by their wits and daring in the torrid slums and sleazy back alleys of Bahia. Led by 15-year-old “Bullet,” the band – including a crafty liar named “Legless,” the intellectual “Professor,” and the sexually precocious “Cat” – pulls off heists and escapades against the right and privileged of Brazil. But when a public outcry demands the capture of the “little criminals,” the fate of these children becomes a poignant, intensely moving drama of love and freedom in a shackled land.

Captains of the Sands captures the rich culture, vivid emotions, and wild landscape of Bahia with penetrating authenticity and brilliantly displays the genius of Brazil’s most acclaimed author.

(Book Riot, Giovanna Centeno)

[patrickoakesnationaltaxexperts]

Tax Tips For Filing Taxes

It's not just seniors who should be filing income tax returns. Even people who never met, such as housewives and students, are subject to income tax laws and should file for their taxes every year. In general, taxpayers need to file whether their income exceeds the applicable minimum daily rate. If a dependent of an individual taxpayer, such as a spouse, has a higher tax rate than the taxpayer, the dependent would have a lower tax filing requirement which could kick in at as low as $100 or even as high as $12,000 for earned income in future tax year 2021.

It's important to understand that one can also deduct expenses from taxes, which means they can save money from their taxes. Depending on their own deduction limitations, individuals can deduct these from their taxes. Another way to save on taxes is to include non-exempt items in income. Items which are exempted from taxation can be itemized, which means they can be properly declared and deducted. For instance, government purchases, state and local taxes, mortgage interest, charitable donations and state sales are some of the itemized deductions that can be included in one's taxes.

When filing taxes, it's also important to follow the right filing status. There are different filing statuses for different types of income. Among them are those filing joint returns and filing separately. One's filing status can determine which tax tips apply. Under the tax code, those filing joint returns must follow the same filing status for the spouse's return. Those filing separately have to follow their own filing status.

Those who are self-employed would have to pay income tax on their income through their own business. The business itself would be their sole business asset. There are special rules, however if the business is not their only source of income. In this case, the individual would still have to file a separate return. To determine if you meet the self-employed filing status, you would still need to check with the IRS. Click over Patrick Oakes National Tax Experts

It helps to keep track of one's deductions especially when filing your federal or state tax returns. There are tax tips that suggest that individuals filing joint tax return do not have to report state and local taxes. However, some states or local governments require individuals to report these taxes. If you think that you may have to include these items, you should talk to someone at the IRS. They would be able to give you more information regarding the tax forms you have to fill out. Moreover, there are websites that offer advice on which tax forms would be best suited for your particular situation.

When filing jointly, there are ways to reduce the amount of taxes you pay. For instance, if both spouses hold small business interests, one can divide their ownership of business assets to reduce their tax liability. This also goes for those who have several small businesses which they operate in different states.

If you are unsure about the tax deductions you qualify for, you can always seek professional help from a CPA. There are many tax tips that recommend getting a pre-tax financial statement to ensure that you understand what you will be getting after filing your return. The financial statement will also help you determine which tax forms you need to fill out. In addition, it helps you determine which tax bracket you belong to. By knowing these things before filing your tax return, you will be able to take full advantage of all tax breaks and benefits.

One thing which is very important when filing taxes is having a plan. Filing taxes can be stressful work and it is important to have a plan or strategy that will allow you to take full advantage of every tax break and benefit. With tax tips for filing, you should know how to maximize your deductions, save money, take out loans and invest in your future. It is best to get help from a professional before filing your actual tax returns.

[bennyboyjones]

THE GETAWAY (Ben Hardy FanFic) Prologue

A/N: Hi! So, here is the prologue to my Ben Hardy  AU Fanfic! There are currently several chapters written, which you can find on Wattpad if you click on the link below, but I’ve decided to also upload it here as well. It might be a bit behind, but you’ll still get all the chaps eventually. 

What it is: basically, a girl from a small town who is bored of her life decides to take a trip to Nice where she runs into ben, who is also running away from some shit and some romance ensues. 

Word count: 1.6k

In this chapter: just some background to get us started. You probably don’t have to read this to understand what comes after, but it will help you understand the main character better. 

WATTPAD LINK IF YOU WANT TO READ AHEAD

Here we go:

prologue

I brushed my thumb over the twenty year old bonds clutched between my fingers. My eyes swept over the bank tellers, my weight switching back and forth from my right to my left foot. These people were taking forever; I figured it would be slow since it was a Monday morning, but apparently this was when all of the housewives did their banking. I had been next in line for the past fifteen minutes and as time went on, my nerve was steadily draining out of me. 

Last night, after a bottle of wine, I sat on the floor of my bedroom and reached under my bed for the manilla folder that held the contents of what I would consider the best six months of my life.  The folder was worn, soft, had both coffee and wine stains, and looked way too aged for something that had only come into existence a year ago. I placed my glass next to me, on the equally stained gray carpet, and pulled out endless postcards, bookmarks, pamphlets, plane tickets, museum and park and exhibit passes, and polaroids. I sifted through them, running fingers over my best friends’ smiling faces, rereading postcards to my family I had already memorized, focusing on guides to museums in Copenhagen, Paris, and London as if studying them could magically teleport me back. Instead, I was stuck here, in Rye, a small town that I was so, so bored of. 

I had lived here my entire life, and so had my parents. We went to the same elementary school and high school, we lived a thirty-second drive and a five minute walk from where my dad grew up. Everyone I had gone to school with had parents who graduated with or around the same time as mine. I felt so suffocated by sameness, by the ordinariness, and was terrified of repeating the pattern of monotony. 

When it was time to go to college, I was sure I would end up in New York City—somewhere not too far, but far enough, different enough from everything I wanted to get away from. When I was in high school, I decided that I was made to live there. For nine months out of the year, I’m a New Yorker—but during the summer I’m always back in Rye because apparently it’s financially irresponsible to take out loans to dorm over the summer and I can’t afford an apartment on a waitress’s salary, nor do I have the time to take up a second job and go to school full time, so Rye it is.

I only ever missed New York seasonally, but I missed London all the time. 

I missed living in London. I missed walking the three blocks from Queen Mary to the Co-Op to grab mushrooms, flapjacks, and a bottle of wine. I missed sitting on the Central Line at 11:30pm drunk, with Sarah and Annie on our way to our favorite club near Tottenham Court Road. I missed walking to Rinkoff’s hungover and grabbing a cronut. I missed Brick Lane on Sunday mornings. I missed a past life. 

For the past year, I’ve been saving up to get it back. When I came home last June, I worked a waitressing job at a small restaurant on our main street, as many doubles as I could—six days a week—and I refused to spend a single dime of it. I worked part time the past two semesters and saved as much as I could, but metro cards were expensive and a girl needed to eat, and also have a social life, and instead of “throwing away” my left over aid money on spring break vacations like my friends did, I hoarded that $1,231 and pretended I wasn’t bothered by the Miami Beach pictures even though I knew I was missing out. 

London was expensive, that much was clear; the only way I survived six months on $6,000 was because my financial aid paid for my housing and tuition, traveling around Europe while living in Europe is cheap, and my mom was sending me $100 a week for groceries because she was worried that all the jokes I made about not eating so I could afford to party (or financial drinking, as it’s been called) were serious (they were, and often the money that was supposed to be meant for groceries went to more fucking around—you only go abroad like that once in your entire life and I was so not going to waste it). And still, despite the weekly allowance from my mom, I still came home with $82 left in my bank account. Towards the end of the six months I was barely hanging on financially. Basically, what I’m saying is that I knew going back was going to cost me a lot of money, especially since I knew I wouldn’t have the same kind of help that I had the last time around. 

So, I saved and refused to do the math to figure out how much I would need to go back to London for at least two weeks. Well, last night, I did the math—and, oh boy, I am not going back to London until I have at least a few thousand more dollars to my name. That crushing disappointment is what led me to that manilla folder. 

The past few months, going back to Europe was all I could think about; I was graduating in December and this was my last summer to really do whatever I wanted before I had to be a real adult. Granted, I was planning on going straight into grad school, but the statement still stands. 

I took another sip of the cheap-ass red I regretted buying before grabbing my photos from Nice. I slowly went through them, and my eyes misted at the landscapes, the crooked self portraits taken on both disposables and my barely functioning digital, the photos of food, and coffees perfectly placed next to pages of my open journal. 

It was the one place that I had gone alone, in the middle of January, for only three days. It was a trip I took out of convenience (student visa issues) and I had only chosen Nice because it was both relatively cheap and small, but it ended up being my favorite place. The place I named first when people asked where I went, the place I talked about the most, and the place that meant the most to me. 

I put the photos down and opened my laptop. I opened a tab for SkyScanner, one for AirBnb, and one for TripAdvisor and started doing the math.

Flight: $1,214 (round trip)

AirBnb: $2,056

Other Expenses: $3,000

Approx. Total: $6,270

I knew how much I had in my savings and knew I had bonds somewhere from my baptism or some other religious sacrament I was forced to endure that I could cash for some extra money. I had enough for three weeks, but didn’t have much of a financial cushion should I need it. 

I downed what was left in my glass and booked my trip. I felt my hands shaking as I took them off my keyboard to rest them on my cheeks. My face was flush from both the wine and the excitement. I wiped my feet against the carpet, the nervous sweat on their bottoms making me uncomfortable. I was never one for impulsivity; I was a planner, a control freak, a perfectionist—a full blown virgo for fuck’s sake and the longer I sat there, staring at the confirmation page before me, the more nauseous I felt. I refused to let the regret set in, the doubt, and the fear. Instead, I stood up, hopped down the stairs with my empty glass in hand, and upon refilling, announced to my mom that in three weeks time, I would be on a plane to France. 

Earlier this morning, she rifled through the safe in the back of her closet in search of the bonds. When I told her about what I had done, she didn’t have much of a reply—she simply raised her glass to me and muttered a soft, “Jesus Christ”. I knew she was slightly concerned, but also excited for me and I really couldn’t have asked for a better reaction. She was a supportive mom, always, no matter how questionable her children’s choices were (and mine and my brothers’ choices were always questionable). 

Once she found them shoved into an envelope from the ‘90s, I got in the car with my younger brother and went to the bank. 

“You need to chill out. You’re going to make everyone in there nervous if you go in there all shaky and sweaty. You’re making yourself look like a criminal,” Noah said as he put his crappy car in park. 

“I’m just nervous. I know this is a stupid idea, isn’t it? I should just keep saving and go back in, like, another year when I really have the money, don’t you think?”

He rolled his eyes, “No. I think you need to do this now. It’s all you ever fucking talk about, and honestly, visiting you last year was the best thing I’ve ever done and it was the happiest I saw you. Just stop being a dumb bitch and go in there and get your money.”

Ignoring the “bitch” comment, I pushed the car door open with a loud creaking and clutched the bonds so tight they folded in my hands. 

When it was finally (finally!) my turn to be helped, I stepped up and handed the bonds over, crumpled and slightly damp with sweat, “I’d like to cash these, please.”

[victoriaadsuar]

(  ana de armas, cis-female, she/her  ) — a member of the  [  RAMOS ]  family seeks entry to the society !  [  ELVYRA  ]  is a  [ 30 ]  year old   [  BUSINESSWOMAN/ SOCIALITE ]  who hails from  [  BEVERLY HILLS  ]  ,  who call them  [  THE VIXEN  ]  .  although their peers know them for being  [  MAGNETIC  ]  and  [  ADVENTUROUS  ]  ,  their reputation for being  [  INSECURE  ]  and  [ ENTITLED ]  might hinder their relations with current society members. while the  [  RAMOS  ]  family is known for  [  FOUNDING A MULTI-BILLION DOLLAR CLOTHING COMPANY, REAL ESTATE INVESTMENTS, MEDIA APPEARANCES AND PHILANTHROPY AS WELL AS ELVYRA’S OWN LIFESTYLE BRAND  ]  ,  the society’s hopeful  [  PEITHO  ]  is better remembered by  [  THE TEASING TOUCH OF A HAND BENEATH A TABLE, A CRYSTAL GLASS STAINED WITH LIPSTICK & DANCING LIKE EVERYBODY’S WATCHING  ]  .  initial reports say their goal of  [  MAKING A NAME FOR HERSELF OUTSIDE OF HER PARENTS’ SUCCESS  ]  would be their first priority after being inducted, although who’s to say that won’t change ?  

pinterest and some basic stats! under the cut is a long bio but there’s a tldr at the end for your convenience, which sums up what your character might know!

Elvyra is the only daughter of business leader and investor Jorge Ramos and socialite and philanthropist Andrea Ramos (now Van Cortlandt after her second marriage). she is of spanish/cuban descent and was born in miami, florida but has lived in beverly hills for the majority of her life.

She grew up with everything handed to her on a silver platter, but it wasn’t material stuff she wanted. she wanted attention from her parents

they were constantly traveling or working or hosting or attending events. family time was extremely limited, but it was great when it happened and she spent weeks at a time looking forward to the next time the three of them could have dinner together. she loved her parents, but seemingly not as much as they loved each other. so she did everything she could think of to get their attention

this began with excelling in school and at various extra curricular activities. she discovered a knack for artistic endeavors and picked up gymnastics and cheerleading but when the ‘making them proud’ angle didn’t yield the results she wanted, she quickly changed strategies. it seemed that negative attention worked the best. If she failed or class or got in trouble for flashing the lunchroom at her private school, they had to take notice.

she also quickly learned that she could get what she was lacking at school instead. if she acted out there, there was an instant reaction and seemingly no negative consequences.

she dove headfirst into the social scene at her school and quickly realized that attention really wasn’t that hard to come by at all. especially from guys–she’d always been boy-crazy but the awakening of her sexuality in high school showed her just how addictive it could be to feel desired. she began thriving on sexual attention, dressing provocatively and acting the part for her dose of validation

being in the spotlight was an added stressor. what a normal high schooler might have gotten away with was under constant scrutiny by seemingly everyone. high society talked and she hated the whole world that her parents belonged to. she loved the money and luxury of it all, but hated the phoniness and constant pressure. it only exacerbated her rebellious streak and her acting out continued through college

she attended nyu for business, spending her nights partying in nyc when she wasn’t flying in to la for various events she was expected to attend. despite her obvious wealth, her parents’ friends turned their noses down at her and treated her as lesser. after college she felt like she had a lot to prove

with the help of a ton of hired professionals she was able to start her own business ventures with some hefty loans from her father. many failed–an investment on a production company that went under, a boutique that cost way too much in rent, a luxury travel agency that was a trainwreck from the start–but a couple stuck.

most notably, elvyra has her own successful lifestyle brand (think goop but more millennial and less goopy) including a very successful line of skincare and cosmetics.

she’s currently living in beverly hills and doing her best to keep her private life from interfering in her business. in her constant pursuit of feeling loved and wanted, she’s been known to sleep around when she isn’t tied up in a relationship. it’s been an unspoken secret that elvyra’s indiscretions have broken up at least two high profile marriages, but a few craftily written NDAs have prevented a major scandal. it’s only a matter of time before she has to face consequences for her impulsivity.

in an attempt to make a name for herself outside of her parents’ wealth and successes, she has accepted the invitation to the society and is currently an initiate 

personality

Elvyra is a spoiled brat, really. She’s rich and pretty and entirely too used to getting her way. She doesn’t handle rejection well and lashes out when she’s told “no”.

Sometimes she grapples with needing to feel in control and can be prone to starting petty arguments or stirring up trouble. She rarely keeps her thoughts or opinions to herself and likes provoking reactions from people. She especially likes to test people’s boundaries, more-so as she gets closer with them.

Elvyra is selfish above all else. She’s looking out for number one, and that means doing what she needs to do to get ahead/ get attention/ have fun. She doesn’t trust easily and has loyalties to few. she’s been known to push people away.

Self-control is not her strong suit. She’s never really dealt with consequences or responsibilities and can be careless and reckless as a result. Instant gratification is her MO. She wants what she wants when she wants it and is prone to impulsivity.

She’s also motivated by a craving for acceptance. She often feels lonely and is desperate for anything that makes her feel loved, wanted, or otherwise like she belongs. Desire seems to be the easiest way for her to fill that void.

She can be a little short-tempered and defensive. If you poke fun at something she’s touchy about, she’ll turn on you in an instant. Can also be a little confrontational.

Would never ever ever turn down an invitation to anything. She loves parties, events, and anything that involves socializing. Sometimes she goes a bit overboard, either drinking too much or messing around with drugs or, of course, sleeping with the wrong people. This means a lot of work for her PR team

TLDR; what might your character know about elvyra? her father Jorge Ramos founded a very successful clothing company (think zara) and is a multi-billionaire as a result (among other business ventures), her mom is a socialite and starred on a reality tv show (think real housewives of beverly hills) and elvyra has her own lifestyle brand (think goop but more millenial and less goopy) which encompasses luxury skincare and cosmetics lines. she’s also known for being confrontational, a partier, and something of a homewrecker, which may or may not be true. At the very least, it’s common knowledge that she gets around. 

as far as connections go, i’m open to anything! she is very well traveled and incredibly social so i can see her knowing most characters!

[argyrocratie]

The Tyranny of Words by Stuart Chase (1932)

  CHAPTER XIV: TO THE RIGHT WITH THE ECONOMISTS

(...)

I employ a skilled mechanic to mow my meadow and cultivate my garden. He used to be employed in a Connecticut mill, but a new machine was installed and he and some others lost their work. So he is keeping himself and his family alive as best he can at a fraction of his former income. He was a victim of what is termed 'technological unemployment.’ A machine took his work from him, and for a considerable period he could find no other work to do. He might have left town, but he had bought a house, his children were in school, his wife liked the neighbourhood and to take to the road was a risky venture with machinists out of work on every hand. Now what do the classical economists do with my friend Roy Thompson?

They prove by irrefutable logic that technological unemployment is impossible. I know what I am saying, for I have debated the matter in public with classical economists and can tick off the arguments with my eyes shut. The logic proceeds like this: A new machine is put into a pin factory to take the place of men. The cost of making pins is lowered. Presently competition lowers the price of pins as the machine is generally adopted. Therefore housewives spend less money for pins and have more money to spend for silk stockings. Therefore the factories making stockings employ more help and no unemployment results. On the other hand, if the first factory has a monopoly of the new machine and does not choose to lower the price of pins, the owner of the factory takes in more money. This money he either spends, let us say for a private aeroplane, or invests in a new pin factory. Workers have to build the aeroplane or the factory, giving more employment. On purely logical grounds, you cannot get round it. Employment shifts, but does not decline and the same amount of money continues in circulation. Q.E.D.

How do you get round it? You look steadily at Roy Thompson, at scores of still less fortunate Roy Thompsons. You adopt the operational approach, disregard the logic in your head and observe what is happening outside. You are careful not to generalize from one or two cases. In the world of fact, you find that men and women frequently lose their jobs to machines, to stop-watch efficiency methods, photo-electric cells, to improvements in agricultural methods. You can count them if you have the heart, leaving their benches and their tools and going out upon the street.

You can examine the curves of output per man-hour for this commodity and that and note how they have been rising for fifty years. You can halt any working man and ask him to tell you how he or his friends have lost their work from time to time because of new inventions. It is not hard to check and recheck the facts of technological unemployment. Referents for the term are very plentiful. Very good – or rather, very bad. Millions of Roys have suffered for a greater or lesser period. Do they find other work? Many of them do. Often like Roy, they learn new trades at inferior pay. But the increasing obstinacy of unemployment in the modern world indicates that many do not. Whether they do or do not, certain relevant human factors must be brought into the concept. Can Roy1, after twenty years of working at a lathe shift his skill to qualify as a linesman if men are wanted in that field? Can Roy2, after living forty years in Middletown with his roots driven deep pick up his family and move to Seattle if men are wanted on the docks? Can Roy3 now unemployed hibernate like a woodchuck and live without eating because a year hence there is to be a demand for machinists in the television industry? Can Roy4 change from man’s work in a machine shop to women’s work in a rayon factory? What kind of employment awaits him? Where does it await him? When does it await him?

It is two very different things to talk about 'technological unemployment’ as a net statistical effect and to observe Roy in his perplexity and discouragement. If new inventions speeds up, it is obvious that more men and women per thousand are in transit from a job lost to a job hopefully to be found. And what happens if the owner of the factory does not care to buy a private aeroplane or to invest in a new pin plant? Suppose he just puts his money in the bank, and the bank just lets it stay there? For the last eight years new investments in private industry have been pitifully small compared with earlier periods. What if we have as many pin factories as prospects for profitable investment warrant?

These considerations by no means exhaust the question. But perhaps I have given enough to show that knowledge about technological unemployment, or indeed any kind of employment, is not advanced by the syllogisms of classical economists. The classicists treat the term as thing-in-itself without finding the referents which give it meaning. Most characteristics are left out. Observe the brutality of the result. If one can prove by logic that there can be no such thing as technological unemployment, then any apparent idleness must he due to human cussedness – Roy must have been a slack worker, improvident and wrong-headed – and one can lean comfortably back in one’s chair with no need to do anything about it. More, one can violently object to anybody’s doing anything about it, for this would interfere with the functioning of 'economic law.’

'Unemployment’ is not a thing. You cannot prove its existence or nonexistence except as a word. The validity of the concept rests on the shoulders of millions of your fellow citizens. Are they suffering because they have no work? Are their families suffering? Are the children without shoes with which to go to school? In March, 1937, I visited WPA kitchens in Savannah, Georgia, where 4,500 schoolchildren certified as underweight from malnutrition, were being fed. Savannah is neither a large city nor a city of slums. If you cannot see through the word 'unemployrnent’ to ragged children standing patiently in line with bowl and spoon, you have no business hanging out your shingle as an economist.

Let us inspect another favorite abstraction of the economic faculty: 'The function of business is to supply the consumer with what he wants.’ Translating this to lower levels: The function of the radio business is to supply Adam1 with a serviceable radio at a price consistent with the cost of producing it. In the fall of 1936, a leading radio trade journal made the following editorial comment:

The ear of the average consumer is notoriously cauliflower when it comes to distinguishing between good radio reception and bad. Since original boorn-boom dynamic speakers superseded early high-pitched magnetics, few improvements impinging upon the auditory organs have been sufficiently obvious to nudge obsolete receivers into oblivion without the aid of vocal mesmerisms by some retail salesman. The public eye, on the other hand, appears to be readily impressed, and we predict the best year since 1929. Design for selling.

In short, do not build radios for the ear, because there have been no recent improvements to warrant new models; build them to sell an elegant Circassian walnut cabinet. Here are some assorted vocal mesmerisms:

Band-Stand Baffles Tone-Tested Resonators Violin-Shaped Cabinets Vibracoustic Floating Sound Boards Automatic Flash Tuner Overtone Amplifiers Acoustical Labyrinths Magic Voice Mystic Hand Dial-a-matic

What the radio industry does in the economic textbooks is one thing; what it actually does is another. The observation holds for most industries which can make more goods in a year than people buy in a year, or in more learned language, where capacity exceeds demand.

What a remarkable term is 'business’, especially in America! How is business? – not your business, but business-in-general. Statisticians toil over composite graphs and charts to answer this mythological question. If there is no such entity as 'business’ – and by now we know there is not – it seems a little superfluous to be constantly taking its temperature. Business says. Business speaks. Business recovers its voice. Business views with alarm. Business is jubilant when the Supreme Court votes down the NRA. Business is sick. Business is terrible. Business runs through a cycle – charming image. Business has recovered: Look at the chart – there it is, as plain as the nose on your face. Back to 1929. The curve says we are all right, therefore we must be all right. What, eight million unemployed; farmers in the Dust Bowl down and out; share-croppers reach new depths of misery? Forget it. Keep your eye on the chart.

This is pure hocus-pocus. Not only are there no dependable referents to which we can hitch the chart, but those to which it has been hitched – 'carloadings’, 'bank loans’, 'lumber production’, 'cotton-mill consumption’ – cannot he combined into any composite curve which does not violate mathematical sanity. A great mathematician, Ivar Fredholm, calls such omnibus index numbers 'hermaphrodite arithmetic monsters devoid of all sense’. At this point we note a curious perversion of the scientific attitude. Opinions as to the health of 'business’ are based on figures, rather than on hearsay and hunches. We are looking, we believe, at cold facts. We are scientific as hell. But the 'facts and figures’ we look at have been mutilated beyond meaning. Some day we must give up prostrations before a phantom 'business’, though the charts reach from Wall Street to the moon. The term 'business’ and its faithful follower 'service’, often prevent us from observing what useful or useless things businessmen are actually doing.

Many economists and statisticians believe it legitimate to argue that industrial prosperity after a slump will inevitably return, because their charts show ups and downs in the past. They point to the scientific nature of the 'proof’. But the graphs a real scientist draws describe the conditions of an experiment arranged by him. They can be used safely for drawing conclusions only if similar conditions can he arranged. The humps and hollows on the economists’ charts refer to changing conditions. There is no similar arrangement and few valid conclusions are possible. The context has changed and the result must be guesswork. 'Introducing graphs of supply and demand,’ says Hogben, 'in a fictitious free-exchange economy does not make economics an exact science.’

A business executive with whom I am associated asked me the other day, 'What will be the reaction of the public to the new laws for retail price maintenance?’ This was an important question, for as manufacturer, wholesaler and retailer of a commodity he had to decide a policy covering costs, prices, possible injunctions, court orders, notification to retailers and so on. Yet my colleague was trying to settle this critical matter with the aid of a ghost.

There is no 'public’ which is a useful concept in the premises. Calling it 'John Q. Public’ does not help. Between us, we had to break down 'public’ into a series of interested groups – New York retailers, retailers in the West, jobbing houses, customers of various kinds – before we could know what we were talking about and arrive at a valid decision. Observe that in this case no theory was involved. As businessmen, we had to determine, by the following Saturday morning, a specific course of action involving the stability and the jobs of a considerable business enterprise.

Formal economics wanders in a veritable jungle of abstract terms. Here is a sample of the flora:

land labour capital; capitalism rent wages; the iron law of wages purchasing power production; distribution interest; the long-term interest rate profit the profit system money: the gold standard credit; debt; savings; securities inflation; deflation; reflation value; wealth the law of diminishing returns the entrepreneur the economic man free competition; the free market the law of supply and demand cost; income price levels marginal utility monopoly; the trusts property individualism; business socialism; public ownership the consumer; the producer the standard of living planning

Some of these terms are useful short cuts provided one does not objectify them. But if one employs them without being conscious of abstracting, they acquire a fictitious existence. Some have no discoverable referents. 'Value’, for instance, is as elusive as 'the Omnipotent’. Some have referents very difficult to1ocate: 'capitalism’, 'individualism’, 'inflation’, 'credit’, 'money’, 'business’. Some have referents easier to locate, provided one makes the rare effort to find them.

Following Bridgman, we might prepare a list of meaningless questions in economics:

1. Does capital produce wealth? 2. Is the consumer more important than the producer? 3. What is a reasonable profit? 4. Is man by nature co-operative or competitive? 5. Is fascism a kind of capitalism? 6. What is a classless society? 7. What is the American standard of living? 8. Are capital and labour partners? 9. Are we headed for inflation? 10. Is decentralization better than centralization?

These questions are either completely meaningless, or meaningless as they stand. Given a position in time and space with further description of the terms employed, qualified answers might be found for some. For instance, Margaret Mead studied a tribe in New Guinea where habits of co-operation were very strong. A hundred miles over the mountains she studied another tribe where competition was so ferocious that it threatened survival. On the basis of these observations we might venture a qualified answer to question 4. For question 8, one can say that capital and labour are partners in the same sense that Castor and Pollux are brothers – mythological matters both.

Korzybski observes that any study to become a science must begin with the lowest abstractions available, which means descriptions of happenings on the level of sense impressions. Economic literature usually reverses this procedure, starting with high-order terms and working down. Thus you will find in Chapter I of Dr. Blank’s Principles of Economics elaborate definitions of 'land’, 'labour’, 'capital’, 'wealth’, 'profit’, 'money’, 'credit’, 'property’, 'marginal utility’. As any two economists have great difficulty in agreeing upon the precise meaning of these terms, the treatise begins with shaky assumptions. Worse follows when the shaky assumptions are woven into elaborate systems by deductive logic. The best fun which a professor of economics apparently gets out of his academic life is to demolish the theories of his confrères. The single time to my knowledge that American economists were in general agreement was when they objected to the Smoot-Hawley tariff bill in 1930, by a joint memorandum of more than a thousand signers. That was a red-letter day in the history of economic thought.

To extend agreement and make the study of economics conform to the scientific method, it is necessary to lay aside abstract definitions and apply the operational approach, What is Rufus1 doing on his farm? What is Roy1 doing at his factory bench? What is Junius1 doing in his bank? (A bank studied on the basis of what is going on inside without recourse to abstractions like 'credit’, 'liquidity’, 'soundness’, is a pretty whimsical thing.) What is Sylvia1 doing at her desk? Observe and record what a great number of men and women are actually doing in furnishing themselves and the community with food, clothing, and shelter. Then proceed to inferences. Then proceed to general rules governing economic behaviour – if any can be found. Then check the rules with more first-hand observation. Never forget Adam1 acting, the date at which he acts, the place where he acts. Fortunately some economists and sociologists are beginning to follow this programme. We find it in the studies of Middletown by the Lynds, in Ogburn’s Social Change, in Economic Behaviour and Recent Social Trends, in the studies of the National Resources Committee.

Inferences drawn by Adam Smith about the England of 1770, or by Karl Marx about the England, France and Germany of the 1850’s, are obviously worthless for the America of today. Some deductions may still he sound, but all are suspect pending operational check in modern America. To criticize American economic behaviour today, or to prescribe for its improvement because Adam Smith said thus and Marx said so, is as foolish as believing that a fly has eight legs because Aristotle said so. Both Smith and Marx used their eyes and ears more than their fellow theorists. Ricardo, for instance, might have been born blind, so pure a theorist was he.

Economic laws became in the hands of the classical school just laws in themselves. Often they were merely logical exercises. So it was that classical theory stood triumphantly symmetrical, an absolute! And so it is still too much taught. By a series of assumptions and with the use of certain chosen illustrations it can be worked up to climactically. And when the thing is complete – there you are! But the student goes away from the demonstration unsatisfied, frustrated, angry, feeling as though a logical trick had been played upon him. And why? Well, because for one thing, in the twentieth century the truth must be useful and this is not.

So says R. G. Tugwell. Meanwhile Dr. Wesley C. Mitchell observes that it is impossible to prove or disprove the classical laws.

The laws and principles were developed with the industrial revolution. The Wealth of Nations was published in the same year that Watt made a steam engine which would really work – the same year, incidentally, that the American Declaration of Independence was drafted and signed. The classicists were much influenced by notions about science, but they did not adopt the scientific method. They tried to erect economic laws like Newton’s laws of gravitation, but they did not copy Newton’s operational technique. It was like a little boy making himself a choo-choo after seeing a locomotive.

Editorial writers today are still infatuated with these 'laws’ of a make-believe science. They pull them out of their heads with pontifical finality whenever reformers or Congressmen propose a measure which editors do not like. 'Economic law cannot so cavalierly be set aside,’ they say. 'We cannot circumvent the law of supply and demand any more than we can circumvent the law of gravitation.’ 'Only crackpots would seek to outwit the immutable principles of economics.’

Classical economics not only was largely innocent of the scientific method; it also became a kind of theology selling indulgences to businessmen. As factories expanded after Watt’s steam engine, a philosophy was needed to give respectability and prestige to the rising class of manufacturers. The philosophy was first identified with the 'natural laws’ of Newton. Then it twined itself like a boa constrictor (yes, I am conscious of abstracting) around Darwin’s hypothesis of the 'survival of the fittest’. What a handout! The greatest good for the greatest number, so ran the dogma, arises from the unimpeded competitive activities of enlightened self-interest. The faster the stragglers are bankrupted and undone, the stronger the economic frame. What appears as competitive anarchy is not really anarchy at all, but a beneficent system of control by natural forces. The big fish eats the little fish, the strong businessman eats the weak. It is all very gratifying and lovely, and as remote from reality as the labours of Hercules.

In 1798, Malthus published his famous essay on population, one of the grandest examples of extrapolation on record. The essay was in part designed to answer William Godwin’s argument to the effect that mankind could achieve happiness through the use of reason. Malthus wanted to scotch the dangerous idea that happiness was in prospect for the mass of the people. (The principle of 'original sin’ again). So by study of the exceedingly unreliable statistics of the time, he laid down two postulates: first, that population tends to grow at a geometrical rate; second that the food supply tends to grow at an arithmetical rate. The population of England was then 7,000,000; in a hundred years if the curve was followed it would be, he said, 112,000,000. If food was sufficient for the 7,000,000 in 1800, by 1900 the supply would expand to feed only 35,000,000 – 'which would leave a population of 77,000,000 totally unprovided for.’

This fantastic hypothesis was then solemnly applied to the problem of poverty. As population was destined to leap ahead of food supply, restrained only by pestilence, war, and famine, it followed that measures to improve the living-standards of the mass of the people were futile. 'It is, undoubtedly, a most disheartening reflection, that the great obstacle in the way of any extraordinary improvement in society, is of a nature that we can never hope to overcome.’ That stopped the fellow Godwin in his tracks. The essay was also used for decades as conclusive proof that reform laws were pernicious. In the second edition of his essay, in 1803, Malthus relented to the point where a new element was introduced into his equations. It the poor would employ 'moral restraint’ in their procreational activities, they might possibly gain a notch or two on the food supply. It was very cheering news to the well-to-do. The poor had themselves to blame for their poverty and even if moral restraint was widely practised, poverty was largely inevitable anyhow.

Malthus’s iron law of population was paralleled by Ricardo’s iron law of wages. This great principle put poor people in another vice. Since labour is a commodity, said Ricardo, its price goes up and down with demand. When demand for labour is slack, wages will remain at the bare-subsistence level. If demand becomes brisk, wages will rise, workers will have more money. They will then produce more children and presently the addition to the population will bring the price of labour back to bare-subsistence level again. So what is the use of trying to improve the condition of the workers?

Nassau Senior 'proved’ that hours of labour could not be reduced, because the employer’s profit came out of the last hour of operation. A 68-hour week was common at the time. Eliminate that last hour, he said, and industrial profits would be eliminated and the business of the nation ruined. Thus if children in factories worked 67 hours rather than 68, panic would replace prosperity. Senior’s analysis was derived from theoretical examples where the arithmetic was correct but the assumptions untenable.

Senior’s contribution to economic theory proved that hours could not be reduced. John Stuart Mill and other classicists proved that wages could not be raised, by the famous 'wage-fund doctrine’. Workers joined unions and struck for a raise. Pure madness, said the economists. Why? Because there was a certain fund set aside out of capital for the payment of wages. There was a certain number of wage-earners. Divide the first by the second. It was all arranged by Heaven and arithmetic and trade unions could do nothing about it. The wage-fund theory was the stock answer of the manufacturer and editor to the claims of organized workmen. It had been blessed by economists and must be true.

Observe how these 'laws’ were put to tangible use, holding back improvements in working-conditions for scores of years. The philosophers produced nonsense which was at least disinterested. Many of these classical economists had an axe to grind and cruelly sharp they ground it. Not until 1876 was the wage-fund theory exploded by an American economist, Francis Walker. He argued that wages were paid not out of a fund of stored capital, but out of current earnings – a theory which came closer to the facts. It is a pleasure to note that John Stuart Mill who first popularized the wage-fund hypothesis in his Principles of Political Economy in 1848, published the following statement years later: 'The doctrine hitherto taught by most economists (including myself) which denied it to be possible that trade combinations can raise wages… is deprived of its scientific foundation, and must be thrown aside.’ A brave, fine statement. But working people in England and elsewhere for fifty years had paid a bitter price for a 'law’ that had no scientific foundation.

Orthodox economists have had a particularly bad time of it since 1929. Governments all over the world have been indulging in financial operations of a shockingly unorthodox character. As Chester T. Crowell points out in the New Republic, the learned faculty stands on the sidelines shouting: 'No! You can’t do that!’ And while they shout, it is done. The economically impossible is performed again and again. For instance:

1. Mussolini simply could not carry on his vast operations in Ethiopia with a gold reserve of only $3,000,000,000. It was unthinkable. The reserve was a mere drop in the bucket; it would be gone in a month. But Mussolini did it. Ethiopia was brought to heel, and Italy is still afloat financially.

2. If a nation has a gold coverage of less than 2 per cent, obviously it has no currency worthy of the name. Panic and chaos are inevitable. It cannot hope to carry on foreign trade; its citizens will fly from their native money standard. In terms of respectable economic theory, the German financial system today is a corpse. But the corpse does not fall down. It goes right on acting as if it were alive.

3. We were all brought up on the fundamental idea that if the British Treasury ever repudiated a government debt, it would be the end of the pound sterling and of world trade. The financial backbone of the planet would be broken. Well, the British Treasury owes the American Treasury some billions of dollars, and the latter can whistle for its money. The pound remains firm, and ships still sail the seas. Because of the repudiation, Congress passed the Johnson Act, forbidding loans to warring nations, and so giving the American people one of the sturdiest defences against being dragged into war that it was ever our good fortune to secure. England’s perfidy has been our blessing.

4. A nation, we were taught, could not go off the gold standard in fact, no matter how many proclamations its statesmen made. If it devalued, prices would shoot up, and gold would still be master. The United States went off the gold standard by proclamation and most domestic prices hardly fluttered. France, which clung nobly to gold, suffered a much more severe depression than the reprobates who abandoned it.

Yes, the orthodox economists are having difficulties on the sidelines. Is the trouble with the wicked world which pays little attention to their 'laws’, or is the trouble with the laws themselves? How valid are 'natural laws’ which can be violated right and left?