#Complete Auto Loans

[dreamlogic]

...

[stormofneurosis]

Operating an unlicensed charter boat

Possibly murder... jury's out on that one

a dozen or so healthcode violations

at least some amount of cruelty to animals

unlicensed mining, fishing, & logging

Some practicing of medicine without a license

OH yeah, how could I forget the unlicensed construction and electrical wiring!

Aiding and abetting criminal activities

Child neglect

hmmmm

I think that's all?

duality of man

[fairytalenobodiesxvi]

Going to try and get a few of my WIP Art stuff done this week

I go to Illinois next week and I'm not bringing my laptop again so I won't be able to final edit art or post anything online for a few weeks...

I will have something I post during the time I'm out there cuz it's for my friend's birthday and I'm saving the final png to my phone before I leave

Anyways, uh, enjoy the Holidays! Stay safe! And like, play video games or something I don't know.

[recentupdates]

How Businesses Apply for Commercial Truck Title ?

A truck title loan is a financial product where a business uses their commercial truck as collateral to secure a loan.

The process of applying for this type of loan typically involves providing proof of ownership of the truck,

Filling out a loan application, and allowing the lender to place a lien on the commercial truck title loan. The loan amount is determined based on the value of the truck, and the business repays the loan, including interest, over a specified period of time.

For more information visit us -

[delta8disposable]

Down Payment for an Auto Loan that has a Good Credit Score

Every purchase that is made with credit will require you to pay a the minimum upfront payment that is called “the down payment”. It is typically the sole responsibility of the buyer when they make purchase. It has a lot of advantages when you apply for a car loan. 

Make contact with for the Best Auto Loan Company  Florida and receive a number of benefits. One must be aware of certain aspects prior to registering for any auto loan that is for this reason.

For more information visit: https://medium.com/@arinageorge123/down-payment-for-an-auto-loan-that-has-a-good-credit-score-3f9702837155

[titleloansonlineflorida]

The factors that affect the amount of funding for title loans the borrower can get

Do you wish to apply for possible loans on the internet? The equity and value of your vehicle are the main elements that can impact the amount of loan you can get. Before approving the title loan, lenders must evaluate the vehicle. If we are talking about auto title loans online,  appraisals and lenders could have a variety of criteria based on the states in which they operate. However, there are some common factors that must be taken into consideration during the appraisal process. To assess the value of the car The lenders must consider the following factors.

For more information visit- https://www.tripoto.com/trip/the-factors-that-affect-the-amount-of-funding-for-title-loans-the-borrower-can-get-3b7883fe46862837b

[millerflintstone]

One year ago today I put in my notice at the last corporate job I held, which was a large auto manufacturing company. It was a mess. I got hired in as a support database developer working on special projects and then on my 78th day they had a reorganization that changed my job function.

I specifically asked in my interview if there were other database developers because I didn't want to be the only one (yes) and if I would have to be on call for anything (no). That changed. I went from having 2 other people to help to no one. I hadn't even been there a full 3 months. Barely knew the code base and was expected to be able to solve any database related code issues for 3 separate internal web applications related to dealers that were a big deal. My boss asked another department if they could loan out their database developer as needed since he "had to work of three database developers and just one database developer". That manager said sure, but he owed her an ice cream sundae.

I was so fucking disgusted, among other things.

While the pay was nice, it wasn't 3 database developers worth of pay. Not even on a low end of 75K per developer, and it wasn't like they were going to revise my pay. I was also expected to be in charge of a whole nother application and be on call for it / be the Subject Matter Expert and I was also supposed to train the junior JAVA developers on how to be database developers to "help me out"

In my last one on one with my boss, I mentioned that this was no longer the job I interviewed for and he kind of laughed and said, "Yeah". I had also mentioned that I had some type of work PTSD from my past job and at first that also struck him as funny but he regrouped and attempted to be empathetic. This sounds like he was malicious but he seemed more completely clueless and awkward. Though I did get the sense that he was passive aggressive and held grudges based on some other things I observed. It was not good.

So, after talking with Unfriendly about it and our finances, I quit. Whatever fucked up cost cutting that was going to get higher ups a nice bonus surely did not affect me in the slightest. It went from being a nice place to land and get my bearings after healthcare health plan hell to just more shit.

I was disappointed because the gal who referred me really loved working there. She had wanted me to work there but at the time, their only office was in the heart of Atlanta. Later on that changed and she had gotten promoted to management herself. She was either too blind / part of the problem or she knew the shit show that was coming. We weren't close or anything. Just LinkedIn friends at that point, though we had bonded over the crap job we worked at together my first year in GA.

Today I learned that my supervisor on the team I was supporting in AZ got affected as part of layoffs that affected everyone who worked in that location. She was really nice and I could tell from her facial expressions in meetings that she was not on board with how their reorg negatively affected me. She and her team were really gracious about me leaving and they all gave me compliments and online rewards which I cashed out when I left. I hope she finds something that doesn't stress her out like this company did.

I re-read the day to day journal that's in my drafts that started the day I decided I was going to quit through my last day and I do not regret my decision at all.

[whenthemarshmallowmettheslayer]

My thoughts on Smallville 1x08 “Jitters.”

Confession: I watched this episode the other night.  I’m watching it again because I enjoyed it so much. Okay, now that I’ve said that onto the episode. 

I drag on the Smallville writers (for context I’ve been ranting about the show on several discord servers I’m on) but I want to compliment here in these opening scenes. The writers are showing the Kents are poor instead of simply telling it or simply having Lex offer a loan one episode and then never showing the Kents financial issues again. We actually get to see how oh, Kents don’t have money to spare. We see this in how Johnthan fixes the truck himself instead of going to an auto mechanic. We see this in how Martha is going to handle a plumbing issue herself instead of calling a plumber. 

A small detail I like that makes this house feel lived in is how there's several cabinet doors left open that we can see behind Clark when he��s opening the fridge. I have a habit of opening cabinets, grabbing what I need, and completely forgetting to close them until a minute or more has passed. And then it’s ‘oh shit, I’ve got to close that.’ 

Also is it just an universal farmer thing for farmers to own a truck with a toolbox on the back? Because my great grandfather was a farmer and he had a truck with a toolbox in the back just like how Johnthan does. 

Jonathan: “I’m definitely raising your allowance.” 

Some thoughts here. 1.) Clark probably isn’t going to get that allowance raise after the party. 2.) We know Clark does the work of several farm hands - even though he’s juggling school - because this is mentioned in the episode the Kents needed a loan so my question is where does that saved money go? Is it given to Clark’s allowance? Is money the Kents keep to pay for stuff they need? Is it set aside for Clark’s college fund or for his first car? Looking back knowing what I do now…. Jonathan probably should have let Clark keep that truck. The Kents can’t afford a new car for their son and even if they go with an older car they’re still going to have to pay for repairs unless the used car is still in dealership warranty. But Jonathan was too prejudiced to accept it because of who Lex’s father was. I could understand vetoing the truck if Lionel was the one who gave it but it was Lex. I just **shrugs** I’ve got thoughts on Jonathan - I like him but he frustrates me - and I don’t know how to convey them so moving on. 

Clark”....It’s a couple nights at Metropolis-”

That party of Clark’s was selfish. I understand that the Kents had to return early because of the plot but the in-universe reason they came back early is because they called several times the night of the party. Clark never answered but other people - people who told the Kents they didn’t know Clark - did. They left their trip after one day. I've got mixed feelings about this. Cause on one hand they deserve to celebrate their anniversary but at the same time they have to spend several hundreds of dollars on this trip because they’re staying at a hotel for several days and meals. That’s not counting any activities like going to movies, going to see a play, going shopping, or whatever. And it just leaves a bad taste in my mouth because what two episodes ago they were talking about a bad loan Jonathan accepted. I just they should spend money on themselves but at the same they were going to spend a pretty penny on this trip before they came back earlier. 

Is Earl going to hold a bunch of teenagers and a man hostage this episode? Yes. Do I want to hug him? Also yes. So far Earl and Jodi are the only villain of the week characters I have empathy for. I was really happy last night to learn Lex is getting him medical help. Until canon states otherwise I’m going to hope Earl eventually gets to live with his family. 

Janitor dude: “Earl see that's the talk that got yourself canned. Now, if you got as problem get some help.” 

Dude. With what health insurance?! This is America. Also those doctors likely can’t do shit because they don’t know what caused the issue. There is also the fact that meteor rocks are volatile. There are no rules and regulations on how it is handled. And like most rules and regulations they’re gonna be written in blood. 

Sidenote: I like how it’s established that Earl has a family. If he dies then not only does his wife lose her spouse but she will be a single mother. Earl is fighting to get answers so he can be in his wife and child’s lives. Also I wonder if meteor mutation can be passed onto children. I know Earl’s kid is too old for this to happen but I wonder about this in general. 

I’ve ranted about this multiple times but whoever worked in costume and design in this show deserves a fucking raise. Why? Because they are telling us the Kents aren’t well off with money. Clark is constantly wearing the same articles of clothing throughout the show instead of a new piece every time we see him. This book bag in this scene looks like the same bookbag from earlier this season. (Martha - she’s not in this scene but I’m bringing her because I’m talking about the costume and design team being great - often wears the same grey coat.) Chloe and Lana meanwhile have a wider selection of outfits. Lex meanwhile - I’m not even going to talk about colors yet - has driving gloves. It’s such a small detail but it says a lot. It says Lex has money to spend because most people don’t own driving gloves. Driving gloves aren’t needed in this time period the way they were in the past because of early steering wheels. Driving gloves are not a necessity nor are they common. Yet Lex spent money on them which shows he has money to spend on his interests in sports cars. Also Lex is often seen wearing purple. Purple is a color associated with royalty and wealth. Fun fact: there was a time where only Roman emperors could wear Tyrian purple. 

Okay back to the show. Who invited all these people? I know Clark didn’t. Maybe Lex? I know Lex is behind the fireworks. 

Lana has this thing of politely calling out implications of her love life and it’s so funny to me. I did not remember this trait of hers from when I watched the show as a kid. I do wonder why Lana abruptly stopped wearing her necklace. 

I know the show is trying to set us up to like Lana/Clark but I don’t like the pairing already. Lana is painted as this nice girl - she’s friends with non popular kids (nevermind we’re just told this instead of actually seeing Lana and future villains of the week hanging out in the background before the x villain of the week episode), she’s interested in breaking apart from the expectations people have of her, she’s against academic cheating, she’s willing to tutor people for free, and so on. The thing is. She is one of the two characters outside of Clark and football players who know Whitney kidnapped Clark, stripped him, and tied him up in a pole where Clark stayed for hours. And she’s still with this guy. I just. I admit I ship Clex and those two are going to be a mess as the show progresses but the thing is Lex calls out Clark’s bullshit (which I don’t always think all of Clark’s bullshit is actually bullshit but that’s not the point). Clark calls out Lex’s bullshit (which again I don’t think Lex’s bullshit is actually bullshit but again not the point). It feels more even because they are critical of each other. Where as Clark never has a moment of ‘Lana knows what her boyfriend did to me and she’s still in a romantic relationship with him despite calling me her friend. Do I really want to be with her?’ I feel like Clark and the show itself puts Lana on a pedestal. I hope that the shows allows these two characters to be critical of each other since they’re eventually going to be canon relationship.

Chloe:”It’s a class field trip.” 

Lex: “What did you do wrong?” 

Kid me did not understand Lex was the funniest character on the show. (Clark is the second funniest btw.) 

Lex has a type and it’s brunettes. This lady, Victoria, Desiree, Helen, and Lana. If Lionel’s goon - I feel like his name starts with d but I’m not sure - from an earlier episode has the same hair color as his sister then her too because the goon had brown hair. 

Also I like how the plumbing issue from earlier is brought up again. 

Clark: “I’m officially dead” 

Lol. Clark you’ve been dead. 

I love that we’re getting background on Martha. Johnthan is so enamored by his wife. 

Lana: “It was kind of last minute. I didn’t realize I needed your permission.” 

I get mixed feelings about these two. (Sidenote: I respect Whitney asking Lana to come outside instead of arguing in front of everyone.) Because on one hand Lana has a right to hang out with her friends without inherently telling her boyfriend. On the other hand Lana has a history of not telling Whitney she’s hanging out with Clark - a previous occasion being a limo ride to a concert in the city. Lana is aware Clark has feelings for her. She is aware Lex - a friend of Clark - keeps trying to pouch them together. Lana has admitted she’s defended that  limo event with Clark to her aunt. Whitney is not being paranoid. I can understand why he doesn’t like this. 

Whitney: “So you sneak off to a party without me?” 

Lana: “I didn’t sneak off - I walked.” 

I don’t even fucking like Whitney but I’m on his side on this. Lana was being sneaky by not telling him. 

Lana: “I’m starting to get the feeling you don’t trust me.” 

I mean you didn’t tell him about the limo even until you thought Clark ditched you. 

I find interesting in this episode Whitney relies or tries to rely on Clark twice in regards to handling potential threats. 

Chloe: “This guy should be in a detox center.” 

Chloe there are multiple reasons why he could be having body tremors even without taking into consideration this is smallville. 

Chloe: “Then why was he shaking like a junkie?” 

Was Chloe’s mom a drug addict? From what I remember Gabe is single handedly raising her. 

Clark: “I kept snapping the guitar strings. I think Earl got sick of replacing them.” 

But he replaced them more than once. He still tried to teach Clark even though Clark broke strings of the instrument. I just find this moment says a lot about Clark and Earl. I wish we could see these two interacting outside of this episode. 

Clark: “He was like family.” 

I want to hug him. 

Clark call a lawyer damn it. Preferably one who does a contingent fee basis work or someone Lex would recommend. 

I’m surprised no one tried to get medical staff to look over Clark after he went through that glass. 

Whoever decided to have Kent parents watch Clark clean and then clap is a comedic genius. Also Clark honey why would you not shut and lock the door before using your super speed? 

I’ve complained about how the writers don’t show Clark having empathy before but they did it right here. Clark spent all night at that hospital because of Earl even though he had a house to clean. 

Doctor: “I pulled the plant’s safety records. I checked with OSHA and the EPA.” 

Ma’am. How did you get all of that so soon? 

I know there are cameras in this building. How come no one notices Clark super speeding? I can begrudgingly suspend my suspension of belief that Lex doesn’t have cameras at home - I still need to know what happened to the guy that froze in the pond in Lex’s backyard - but we see cameras in this building. You mean to tell me that Lionel nor Lex wasn’t curious about how Clark was already away from the group and running around unsupervised. Like even without a hostage situation I feel like someone would check the cameras on just Clark wandering around by himself.  

Once again Martha is wearing that grey coat. I love the costume and design crew on this show. 

How the fuck did no one notice Clark speeding around? 

Clark, you have x ray vision. 

Earl: “Just like everybody else.” 

I’m gonna defend Clark here. He’s the only person willing to investigate Level Three even though Jonathan had also interacted with Earl. Jonathan who constantly is suspicious of Luthors (I think in the Bug Boy episode he makes a comment about the Luthor plant infecting people) isn’t willing to look into this. Clark, who is friends with Lex, was willing to investigate even though it could potentially cause an issue between him and Lex. He was willing to hear Earl out and search for Level Three even before there were hostages involved. (Side note: moments like this I can see why Clark grew up and became a reporter. Though I hope to see Clark taking an interest in the school newspaper in this or the next seasons.) That said, I can understand why Earl made this comment. He’s been gaslighted about Level Three. He is also being told that level doesn’t exist because there are people who genuinely don’t know about Level Three is a thing. He’s being treated like he’s crazy even though he’s having these powerful body tremors from the incident in Level Three. I can understand why he’s pissed off at Clark but Clark is genuinely trying to help him. 

Lionel: “How did you allow this to happen?”

Lionel has a brilliant actor. Lionel is a nasty, intelligent villain which I like because I don’t tend to enjoy dumb ones. That said, this character makes me furious. Gee, asshole. Maybe if Lex was given a warning he could have been better equipped to prevent this. 

Lionel: “Lex! How did you allow this to happen?” 

Lex: “I didn’t allow anything.” 

Lionel: “Then how did this man get inside?” 

Lex: “I think-” 

Lionel: “You think? Why don’t you know Lex!” 

Lionel is one of those parents who even if you have a justified reason why x happened it doesn’t matter. Lionel isn’t asking how this happened out of genuine interest of knowing. He asked so he can lecture. If he truly cared he would allow Lex to continue speaking after Lex said “I didn’t allow anything” and wouldn’t interrupt Lex when he’s saying “I think.” Also I love how Lex’s actor plays this scene because at one point when Lionel is yelling at him Lex lowers his head. Lowering your head like that is usually a sign of submission but also it could mean you feel threatened and you’re protecting your throat. The first one is common but I’m not throwing out the latter because I remember from when I watched the show as a kid that Lionel was physically abusive to Lex. 

Lex’s expression at Lionel offering his hand to Johnthan makes me curious. Is Lex wary of his father knowing the Kents? Does he find it weird that Lionel is offering to shake hands with Johnthan? 

Lionel: “Of course it is.” 

I love Lionel’s actor. Lionel has interrupted Lex throughout this scene but Lex asking about Level Three isn’t interrupted nor is Lex lectured for even entertaining the “deluded” theory that the man holding teenagers and a Luthor employee as hostages believes in. There’s even these few seconds where Lionel doesn’t answer. And it’s so telling. 

Martha: “What about the kids? You need to get on the phone and talk to him!” 

I wonder when Lionel will start to be attracted to Martha. 

Lionel: “But…I do not negotiate with terrorists.” 

Negotiate being the key word. I wonder if Lex picked up on this. I do think he picked up Lionel’s response earlier as off. 

This episode is heartbreaking because in another universe Lex could have been a hero. I don’t think he’ll necessarily have the drive to go be a vigilante but I think Lex could have been a damn good hero if he decided to be. Now would he be a manipulative one? Absolutely. But **gestures at Batman** 

Lex **insert handshake emoji** me. We both don’t like being abruptly touched by family. 

I wish that Clark would hear this speech and think about it later when Lex is being hugged by his dad and is staring at the Kents in yearning. Clark is a teenager - who has a lot of weight on his shoulders - but I just wish that he recognized Lionel was abusive to Lex. A lot of the fandom blames Clark for Lex’s downfall. I however have a different opinion. Lionel is the main person outside of Lex to be blamed. I know what it’s like to be raised in an abusive environment and growing up in an abusive household may explain things but there comes a time where we are all responsible for our own decisions. Lex is responsible for his actions but if we are going to put blame on another character for the path Lex goes down I say Lionel is to blame. I think Clark played a role - though I’ve got opinions on this topic I’m not going to ramble about it just yet because I need to hurry up and finish this but I will be ranting about my mixed feelings later - but Lionel was abusive shit. 

Lex: “Yeah, it’s in his imagination. There is no Level Three Clark. Now get out of here.” 

The acting in this episode is phenomenal. I like how Clark is showing signs of feeling unwell as Earl draws near. There’s no physical signs of meteor poisoning - aka the green veins - or music to convey the meteor is affecting Clark but Clark’s actor is doing his part to convey Earl getting closer to him makes him sick. Also does Lex genuinely believe that or did he notice how off Lionel was acting but doesn’t have actual proof of Level Three nor does he have time to truly look for it with Earl so he’s just letting Clark believe there never was a chance for Lex to be saved? Lex is just one of those characters where I’m sometimes never sure what he’s actually thinking. And honestly it’s nice because I often can figure out what characters�� motivations are in situations. 

How the fuck does no one notice Clark using his super speed on the cameras. 

I want to hug Pete. Poor kid is blaming himself. 

God I love the Kents pretending they have no idea what’s going on. 

Lex must be so curious. Because not only did Clark magically find Level Three - somehow the wall covering the elevator has been smashed. I feel like the wall being smashed would be less interesting to Lex - he already suspects Clark is stronger than natural - than how Clark somehow managed to find it. 

Lex probably is hating his dad right now. Which is completely valid. 

Earl: “How am I going to get better if I don’t know what’s poisoning me?” 

I’m so tempted to write a fic where Clark reveals the meteor rock is what is harming Earl. We know Clark sees Earl like family - Clark has said this but he’s also shown it in his actions - but he’s not willing to tell Earl the truth. Also I wonder if Earl will go the same hospital Amy Adam’s character went to…

I find it interesting that Lex - who is in a hostage situation - is taking time to tell Clark he didn’t know about this place. His life is in the balance and he doesn’t want Clark to think he lied to him. Lex doesn’t even know Clark is close to Earl to the point he considers the man family - he only knows Earl used to work on the farm. Yet he doesn’t want Clark thinking he lied. 

Earl: “He’s lying. He's just like his father.” 

I don’t drink but I want to say if I took a shot every time a character said Lex was just like Lionel I would probably have liver poisoning before the season ends. 

Clark: “...I don’t know. Adrenaline, I guess.” 

Okay, so here's the thing. I’ve read fics where this line is mentioned in a negative light either because it’s a bad lie or it was bad of Clark to lie. I don’t think Clark is lying though. I think Clark went through an episode of hysterical strength. There are times where humans have abnormal strength for a period of time in order to save someone’s life - there was a case in like 1980s I believe where a mom lifted a car that had fallen on her son. Anyway, throughout this episode we’ve seen Clark become sick when near Earl. It is so bad that Clark would not agree to help Whitney attempt to attack Earl. Yet when Clark’s friend and someone he considers as family have their lives in danger Clarkl manages to find the strength to pull them up. So I don’t think Clark is actually lying. 

Ledx staring at Kents being happy Clark is safe - that they’re giving him a hug because they actually want to instead of for publicity - makes me want to cry. Also another reason this scene is sad is Lionel grabbed Lex by the arm earlier and Lex told his dad to never do that again. And Lionel here is hugging Lex - which is much more contact than grabbing an arm - for publicity reasons instead of respecting Lex’s wishes. I also think Lionel hugs Lex to prevent Lex from declaring anything else in front of the press that Lionel doesn’t want. 

This episode is my favorite episode so far. I feel like it’s going to be a favorite even after I’ve rewatched multiple seasons. 

[emi1y]

💸💸💸

feeling like an adult bc i finally understand what im doing with money and what works well for me. paying all my bills/ insurance/loans with a credit card set to auto pay so i don't miss payments but don't overdraft my bank accidentally (from experience). paying my credit card balance in its entirety every paycheck instead of waiting until its due each month so i can keep a better eye on it and so i don't reach the end of a month with a bill larger than i can afford. afterwards putting as much as i feasibly can into a savings at a completely different bank so that when i check my main account i don't see how much i have saved and don't think of it as usable money. keeping my checking acct as low as i can to minimize how much i spend because i think i have no money. i've been researching stocks and funds and all that grown up stuff for a while and i think by this summer i'll be able to start investing in umm a fund or whatever you want to call it to save for a down payment on a house five years down the line. when i move in april and have cheaper rent i'm going to start putting the difference into a roth ira bc my company doesn't match retirement plans. then in june it will be my 1 year mark at my company and i'm going to ask about a raise so i've been documenting my work and the new skills i'm being trained on so i have a solid stack of evidence with me. anyway the wildest part of all of this really is just the fact that for the first time ever i'm able to visualize a life 10 years from now. it's not just a gray nebulous void. i have tangible goals and i can see the path it's going to take to get there and I'm excited to be working towards them even though it means not seeing the rewards for years and years and years.

[financeattips]

Millennials Money Tips for Personal Finance

It is very difficult for millennials to manage their own finances today as the world of competition requiring one to workout harder has changed in a matter of months. From student loan debt to increasing living costs, this generation has faced financial struggles that are all its own. Nevertheless, there are strategies out there that can work for the millennial in search of sustainable financial security or even just a better bottom line. Below are a few of the basic personal finance tips for millennials.

1. Set Clear Financial Goals

The first step in any financial plan is establishing specific and attainable goals. Whether it's to buy a home, pay off your student loans, or save for retirement — knowing what you're working towards will keep you more engaged and inspired. Divide your goals into short-term (one to two years), medium-term (three to five years) and long-(five or more). This approach helps you to prioritize and use your resources accordingly.

2. Create and Stick to a Budget

The Facet of Financial Management: Budgeting Track your income and expenses: The very first step is to track how much you are earning, after that what things consume your bills? Budgeting tools; you may use an app to categorize what you spend on and where they can be reduced. If possible, adhere to the 50/30/20 rule — apportion half of your funds towards needs and twenty percent for saving or repaying debt.

3. Build an Emergency Fund                                                                         

It is only a rainy day fund to act as an emergency safety net in case life decides not to follow your plan. The hopefully three to six months of absolute must-have sequestered in a separate, liquid account. It can help you with the cost of surprising expenses–whether they be medical bills or it lets you maintain your financial schedule, rather than having a huge hole in it due to car repairs.

4. Manage Debt Wisely

For many millennials, student loan debt can be a large financial weight. Start your payoff journey with high-interest debt — credit card balances are a solid place to begin. Refinance or consolidate student loans at a lower interest rate. Establish and Maintain a HISTORY of consistent on-time payments to improve your credit score, reducing overall debt.

5. Invest for the Future

If you want to create wealth then investment is the most important thing for it. If your employer offers a matching 401(k) plan, that is what you should start with. Demand more investment options like IRAs, Stocks and Mutual Funds. Simply Diversify A toasted way to diversification! The point is that, your money should earning with compounding.

6. Enhance Financial Literacy

One can be really good at making informed decision which is backed by financial literacy. Use online sources, books and courses to learn more about personal finance. Understanding concepts such as interest rates, inflation and investment options can help you make more informed financial decisions.

7. Plan for Retirement

Architecting retirement: It is never too early to plan for retirement. Save a minimum of 15% of your income toward retirement. Make use of Roth IRAs and traditional IRA tax-advantaged accounts. You may want to talk with a financial advisor who can help you put together your own retirement plan based on what you hope for in retirement and how much risk you are willing to take.

8. Protect Your Assets

But while it may not be the sexiest asset class around, insurance is integral to any complete financial plan. Make sure of health, auto and and home insurance coverage. Good idea: If you have dependents, consider life insurance. Disability insurance provides you income in the event of an illness or injury.

9. Check Your Credit Score

Great credit can unlock lower-interest rates and financial possibilities. Review your credit report on a regular basis for inaccuracies and work towards building up the score. By paying your bills on time, keeping credit card balances low and only opening new accounts when you need them (and therefore improved scores so long as other key factors don't weigh in ).

10. Seek Professional Advice

If you are unsure of where to begin or need help, then speak with a financial advisor. They can give you advice and even consult with you to build a financial plan as well. Also look for a good pedigree — Certified Financial Planner (CFP) or Chartered Financial Analyst (CFA).

With these personal finance tips, a millennial can move forward in the financial journey feeling more secure for their future. Earning money is only part of the process… its mastering discipline, consistency and continuous learning that leads to long-term financial success.

[awesome-casuallyfamouscollector]

Why Car Ownership Is Getting So Expensive | CNBC Marathon

CNBC Marathon examines a variety of factors that lead to car ownership in the U.S. being so expensive, from auto loans to repairing your vehicle. A car loses about 10% of its value as soon as it's driven off the lot. And within the first three years, that number goes up to 50%. Depreciation — the rate at which that happens — is one of those numbers everyone in the automotive world thinks about including consumers, automakers and the massive used car market, which made up somewhere around 35.2 million in 2022 — compared with 13.8 million new cars. More than 100 million Americans have an auto loan and auto loan debt in the U.S. is at a record high of $1.56 trillion. Between the Covid-19 pandemic, supply chain issues, alleged predatory lending practices, inflation, and the Federal Reserve's interest rate hikes, getting an auto loan is getting increasingly difficult and costly. Auto repair costs have been rising for years, but recently they've spiked. Experts say it's likely a mix of factors including heavier, faster and more complex vehicles, riskier driving behavior, new technology, and labor and supply shortages. Repair shop owners say they can’t find enough technicians despite paying six-figure salaries. As technology marches forward, and fancy cutting-edge EVs fill the roads, consumers hear horror stories about huge repair bills. But insiders say there are reasons to be optimistic.

P.S. The main reason - primitive consumerism: in America, many people have forgotten that the primary function of a car is to be an efficient means of transportation, not to impress neighbors and friends with the huge size of the car and the size of the loan payment... One of my biggest culture shocks when visiting America was the American car inefficiencies...! You have to see with your own eyes how they drive to work or to Walmart every day in huge pickup trucks and people don't even make money with these cars...! In addition, they still brag about who has the biggest, most inefficient and therefore worst car in town. This is complete nonsense...!

There are practically no cars of reasonable design in America...It's no wonder Americans are inundated with auto loan debt...and American car manufacturers are NOT popular in Europe anymore. American cars are conceptually designed to get as much money out of people's pockets as possible...

[classicquid]

No Paperwork Required For 100% Online Short Term Cash Loans

From time to time, you need a quick cash boost before your next pay period to cover mid- or end-of-month expenses. Make an effort not to own a debit card! The short term cash loans are always set up to support you in a kind manner in that case. These are current credits that are particularly designed for the targeted segment of people who frequently encounter unforeseen financial difficulties and want immediate financial assistance. At that point, you are able to arrange for prompt financial assistance that is appropriate for covering unforeseen expenses within your budget on schedule thanks to the support of these credits.

You must be able to meet a few requirements in order to be eligible for short term cash loans. These terms and conditions are really simple and not at all difficult to follow. The attainment of the age of eighteen, the existence of active financial records in your name, a regular source of income consisting of a monthly salary of at least £700, and British citizenship are a few examples.

Following the aforementioned requirements will grant you complete flexibility to obtain short term loans UK direct lender ranging from £100 to £1000 without the need to provide your insurance as security during the assurance period. In a maximum of two months, which usually ends on the eve of your next payday, the credit amount must be returned to the bank.

Given the ephemeral nature of the loans, credit providers may charge these budgetary administrations with rather high loan costs. In light of this, you should think about the most appealing online mode before applying for short term loans UK direct lender. Good news! A few reputed online moneylenders have blessed you with the ability to view various credit reports, enabling you to pick the finest deal at competitive interest rates. Furthermore, the cost of this loan will be affordable for your budget.

According to the depiction above, salaried people are typically offered short term loans direct lenders in between their two consecutive paychecks. In this way, people with terrible credit factors—defaults, delinquent payments, foreclosure, missing payments, CCJs, IVAs, or debt—are fully taken into account for taking use of these advances without any restrictions. They can also make money by covering your child's tuition or other educational expenses, a remarkable bank overdraft, unexpected medical or restorative costs, MasterCard charges, unpaid house bills, unplanned auto repairs, and even maintenance costs.

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[paydayquid]

Cash Disbursed in 15 Minutes for Short Term Loans UK

Applying for short term loans UK is one option if you're in the UK and need money quickly for unforeseen bills. The unique feature of this credit quick and easy online system is that you can apply for a short term loan direct lender in a matter of minutes rather than having to wait in line. In fifteen minutes after your application is approved, the lender will send the funds directly into your bank account. Also, there are no tedious formalities involved with using this online platform, such as faxing papers, filling out extensive paperwork, or paying fees.

Short term loan are provided to borrowers on a short-term basis by lenders who are available around-the-clock. One handy aspect is that because the short term loans UK is unsecured, you don't have to pledge your collateral as security against the lender. For a brief repayment period of 30 days following the original date of approval, the real amount you can obtain ranges from £100 to £2500. The use of money is not a concern for you. You can therefore use the money for any of the following financial purposes. Tuition for a child's education Balance owing on credit cards installment payments for a home loan Travel costs expenditures for the household phone or light bill payments

Be encouraged despite your bankruptcy, foreclosure, arrears, late payments, CCJs, IVA, foreclosure, or defaults! On the other hand, short term loans UK direct lender are available to you in a convenient way. The lender does not conduct a credit check. It is intended that these funds accept applications with any kind of credit score. Remember that in order to avoid incurring more fees from the lender, you must make the repayment on schedule. Your credit score can be improved and you can receive financial aid on par with fair credit ratings if you make your payments on time.

To endow money, there are numerous lenders offering a variety of loan options on the internet; however, you must ensure that the agreement meets your needs with ease. If you do not have a debit card, you must select (in a lender's fierce competition) short term loans direct lenders before completing an application. You must meet certain requirements in order to be considered for the chosen loan, including being a UK citizen, being eighteen years old, working for a reputable company for the last six months, and routinely receiving your salary directly into your bank account. Apply for a short term loans UK direct lender now, doesn’t hesitate!

A £1000 loan can be used for a variety of purposes; it can be used as a same day loans UK, to make a critical purchase, to pay expenses during a difficult financial time, or for other purposes. There are many situations in which a £1000 loan will be sufficient, thus a larger loan is not always required. Simply put, borrowing money could be done to pay for unforeseen costs like auto repairs or unpaid payments that you had forgotten about. https://paydayquid.co.uk/

[battleangel]

Amerikkka, the beautiful, the land of the free & the home of the...

👁Highest obesity rates

👁Highest gun mortality

👁Highest opioid use, addiction & fatalities

👁Most overprescribed nation on earth

👁One of the highest prescription rates for antidepressants & benzodiazepines

👁One of the highest rates of domestic violence

👁One of the richest countries yet highest incidence of poverty among "advanced democracies" - millions are houseless, food insecure, without medical insurance & lack of a living wage

👁Work hundreds of more hours vs employees in other "developed" countries

👁Excessive environmental abuse (biggest carbon emitter - 3 times worse than China, 2nd in air pollution only to China, water pollution, landfills, food waste, deforestation, natural resource depletion, industrial destruction, destruction of ecosystems, species conservation, deforestation, nuclear accidents, overpopulation, etc.)

👁National obsession with status, consumerism, materialism, overconsumption, fast fashion & addiction to shopping

👁One of the top economies but has a record high of $17.1 trillion in individual debt (student loans, mortgage, auto & credit card)

👁One of the highest costs of living in the world (housing, healthcare, and education)

👁60% of food consumed in US contains additives, preservatives & artificial sweeteners, considerably higher than the rest of the world

👁Tens of thousands of toxic chemicals & synthetics in household, cleaning, body care, makeup products with very little testing, regulations or studies on health and environmental effects

👁Hypersexualized, "pornified" culture that glamorizes sexual objectification, sexual violence & dehumanization while also being sexually repressed, uneducated, unable to establish, determine or decide on boundaries or verbalize when they have been violated, toxic masculinity, rape culture, inability to verbalize desires, inability to discuss sexuality openly and honestly, unhealthy, forced & contrived repression that leads to fetishization, dehumanization, objectification, sex addiction, etc

👁70% of teens & young adults are addicted to social media

👁Over 90% of time in America is spent indoors -- complete & total disconnect with nature

👁Only 7% of Americans practice mindful meditation -- total mind/body disconnect

👁Americans are obessed with "exercise", "the gym", "being fit", "bikini bodies" & "fad diets" yet only 20% work out regularly and the US has the highest obesity rates in the world

👁Dystopian obsession with beauty with the worlds highest plastic surgery rates

👁One of the 10 worst countries for racial equity

👁One of the most paternalistic & patriarchal countries on earth

👁Religious fundamentalism & paternalism is embedded in all aspects of society & culture & wielded as a tool of control

👁Concepts and societal ideals of femininity, motherhood, paternalism, fundamentalism, conservatism, religious dogma, chastity, modesty, purity, the cult of woman as a sacrificial lamb and the mother as a dehumanized symbol of selflessness and sublimation are all used to control and deny women's bodily autonomy and reproductive freedom while poverty is feminized and more women than men in the US live in poverty, work minimum and low wage jobs, are overrepresented in service jobs, make less per dollar than men for the same work and have no access to paid maternity leave or universal childcare yet they are the ones in many states forced to have children they dont want, many as single mothers, with little or no social safety net with no exception depending on the state for rape, abusive partner, coercive partner, mental & physical health of the woman, the woman's childfree or antinatalist beliefs, the woman's employment status, whether she has health care, whether she has a phobia of pregnancy and/or childbirth, whether she would be traumatized being forced to give birth if she doesn't want to be a mother, when it is her livelihood, career, finances, living situation, body, mental and physical health, physical appearance, sexual health affected moving forward if she does give birth yet the choice in many states is taken away from her yet only the woman has to live with the consequences, never the lawmakers taking her choice away

👁Prison industrial, military industrial, psychiatric industrial, pharamaceutical industrial, medical industrial & educational industrial complexes

👁Obsession with graphically violent media (movies, TV shows, videogames) & combat sports (NFL, UFC, etc.) yet boobs, penises & vulvas cant be shown on TV and dropping the F word can get you fined by the FTC

[shubh--arenainfosolution14]

Get flexible and low interest rate personal loan

Get flexible and low interest rate personal loan

In today's fast-paced world, financial flexibility is often essential. Whether you want to consolidate debt, cover unexpected expenses, or fund a dream vacation, personal loans can provide the necessary financial support. This comprehensive guide will walk you through the ins and outs of personal loans, helping you make informed decisions about borrowing money. Arenafincorp is the top-notch financial company in jaipur

Understanding Personal Loans -

A personal loan in jaipur is an unsecured loan typically offered by banks, credit unions, or online lenders. Unlike secured loans, such as mortgages or auto loans, personal loans don't require collateral. Instead, they're personal loans in jaipur based on your creditworthiness, income, and financial history.

Types of Personal Loans - 

1. Traditional Personal Loans:

 These are the most common types of personal loans. They come with fixed interest rates and a predetermined repayment schedule. Borrowers receive a lump sum upfront and repay it in instalments over the loan term, usually ranging from 1 to 5 years.

2. Lines of Credit: 

A personal line of credit provides flexibility. It works like a credit card, allowing you to borrow up to a specified limit and repay it as needed. Interest is charged only on the amount you use.

Key Factors to Consider Before applying for a personal loan in jaipur, it's crucial to consider the following factors:

1. Interest Rate: 

The interest rate, often expressed as an Annual Percentage Rate (APR), determines the cost of borrowing. A lower APR means you'll pay less in interest over the life of the loan.

2. Loan Term: 

The loan term affects your monthly payments. Shorter terms result in higher monthly payments but lower overall interest costs, while longer terms reduce monthly payments but increase total interest expenses.

3. Fees: 

Be aware of any origination fees, prepayment penalties, or other charges associated with the loan.

4. Credit Score:

 Your credit score plays a significant role in the interest rate you'll qualify for. A higher credit score can lead to better loan terms.

5. Repayment Plan:

 Ensure that the monthly payment aligns with your budget and financial goals.

Applying for a Personal Loan in jaipur

1. Check Your Credit Report:

 Obtain a free copy of your credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) and review it for accuracy.

2.Compare Lenders:

Shop around and compare offers from different lenders to find the best terms and rates for your needs.

3. Gather Documentation:

 Lenders may require proof of income, employment, and other financial information. Prepare these documents in advance to streamline the application process.

4.Submit Your Application:

 Complete the loan application with your chosen lender. Be honest and accurate with your information.

Managing Your Personal Loan

Once you've secured a personal loan in jaipur, it's essential to manage it wisely:

1. Create a Budget:

 Incorporate your loan payments into your budget to ensure you can comfortably meet your obligations.

2. Automatic Payments:

 Consider setting up automatic payments to avoid missing due dates and incurring late fees.

3. Avoid Additional Debt:

 Resist the temptation to accumulate more debt while repaying your personal loan. This can lead to a cycle of debt.

4. Emergency Fund:

 Build or maintain an emergency fund to cover unexpected expenses, reducing the need for future loans.

Conclusion

Personal loans can be valuable financial tools when used responsibly. By understanding the different types of personal loans, considering key factors, and managing your loan wisely, you can make borrowing money work for you. Always do your research and choose the loan that best aligns with your financial goals and capabilities.

[paydaymarketloans]

How to Apply for Same Day Funding Loans in a Simple Way?

Before applying for various financial products online today, you must meet the following minimal requirements: You must possess a current checking account, a legitimate proof of residency in the United States, and a reliable source of income that deposits at least $1000 into your account each month. You should also have a Social Security Number (SSN), which is used to confirm your nationality.

You may now apply for same day funding loans with us by going online. To access the loan application form at paydaymarketloans, choose the lending page and click the REQUEST FUNDS option. You must correctly enter your information and send it to us. We send the lender your information for confirmation. The loan will be disbursed into your bank account within one business day of approval, if applicable.

You don't have to go through a lengthy application procedure or a credit check in order to access a loan with us. You can acquire money between $100 and $1000 with our approved same day payday loans direct lenders right now. So that you can take care of your immediate financial needs, the cash repayment is scheduled for one month. Same loans for bad credit typically assists you in paying off debts such as credit card debt, utility bills, medical payments, and repairs to your car or toilet.

What Are the Uses of Same Day Cash Loans Online?

There are no barriers to using this credit in any circumstances. What you can do with your same day loans specifically. You are free to use the loan to address your financial issues once you have access to the funds. Many consumers prepare to invest the money in order to prevent the collection of additional debt or to stop further damage. The following list includes common justifications for using same day cash loans.

Clearing off utility or medical bills

Financing auto, washing-machine, plumbing, or window repairs

Purchasing products like food, accessories, and other items

paying for your child's education, tuition, or college costs

Customers should consider their ability to repay the amount before applying for same day loans for bad credit because lenders don't advise relying on these loans for long-term financial problems. The rationale is that emergency cash loans for people with bad credit are made for pressing financial needs. Customers should also utilize these financial instruments in a responsible manner to avoid becoming trapped in a loop of excessive penalty fees.

How Do Payday Market Loans Operate?

Payday Market Loans helps people who need quick cash to cover unexpected costs or get by until their next payment. We provide you with the opportunity to complete a quick online application and receive a number of same day loans online options from the best direct lenders.

HOW CAN I TELL IF I QUALIFY FOR A LOAN?

Payday Market Loans ' online loan applications are quick and easy to complete; they don't want more than:

Being of legal age, residing in the US, and having a current bank account

Use your phone number or email address to confirm your details.

https://paydaymarketloans.com/