#Current Personal Loan Interest Rates

[vinaydogra]

Tips for Repaying Your Personal Loan Faster

As a first mate on this particular voyage, planning seems to be my main job Lift the sails and take the deck from you by reducing your expenses so that you can shift the financial resources to personal loan repayment. Together with your eagle eye on your expenses, you will start seeing previous undiscovered doubloons that you can put towards your loan.

[loantrivia]

Choosing between a personal loan and a gold loan: Which one is better for you?

Choosing between a personal loan and a gold loan is a difficult decision for anyone to make. Both offer great ways to finance large purchases or consolidate debt, but there are many factors to consider when deciding which loan is the best fit for your situation. In this article, we’ll discuss the differences between personal loans and gold loans, current personal loan rates, and current gold loan…

[phoenixyfriend]

Ko-Fi prompt from Isabelo:

Hi! I'm new to the workforce and now that I have some money I'm worried it's losing its value to inflation just sitting in my bank. I wanted to ask if you have ideas on how to counteract inflation, maybe through investing?

I've been putting this off for a long time because...

I am not a finance person. I am not an investments person. I actually kinda turned and ran from that whole sector of the business world, at first because I didn't understand it, and then once I did understand it, because I disagreed with much of it on a fundamental level.

But... I can describe some factors and options, and hope to get you started.

I AM NOT LEGALLY QUALIFIED TO GIVE FINANCIAL ADVICE. THIS IS NOT FINANCIAL ADVICE.

What is inflation, and what impacts it?

Inflation is the rate at which money loses value over time. It's the reason something that cost 50 cents in the 1840s costs $50 now.

A lot of things do impact inflation, like housing costs and wage increases and supply chains, but the big one that is relevant here is federal interest rates. The short version: if you borrow money from the government, you have to pay it back. The higher the interest rates on those loans, the lower inflation is. This is for... a lot of reasons that are complicated. The reason I bring it up is less so:

The government offers investments:

So yeah, the feds can impact inflation, but they also offer investment opportunities. There are three common types available to the average person: Bonds, Bills, and Notes. I'll link to an article on Investopedia again, but the summary is as follows: You buy a bill, bond, or note from the government. You have loaned them money, as if you are the bank. Then, they give it back, with interest.

Treasury Bills: shortest timeframe (four weeks to a year), and lowest return on investment. You buy it at a discount (let's say $475), and then the government returns the "full value" that the bond is, nominally (let's say $500). You don't earn twice-yearly interest, but you did earn $25 on the basis of Loaning The Government Some Cash.

Treasury Notes: 2-10 year timeframe. Very popular, very stable. Banks watch it to see how they should plan the interest rates for mortgages and other large loans. Also pretty high liquidity, which means you can sell it to someone else if you suddenly need the cash before your ten-year waiting period is up. You get interest payments twice a year.

Treasury Bonds: 20-30 years. This is like... the inverse of a house mortgage. It takes forever, but it does have the highest yield. You get interest payments twice a year.

Why invest money into the US Treasury department, whether through the above or a different government paper? (Savings bonds aren't on sold the set schedule that treasury bonds are, but they only come in 30-year terms.)

It is very, very low risk. It is pretty much the lowest risk investment a person can make, at least in the US. (I'm afraid I don't know if you're American, but if you're not, your country probably has something similar.)

Interest rates do change, often in reaction or in relation to inflation. If your primary concern is inflation, not getting a high return on investment, I would look into government papers as a way to ensure your money is not losing value on you.

This is the website that tells you the government's own data for current yield and sales, etc. You can find a schedule for upcoming auctions, as well.

High-yield bank accounts:

Savings accounts can come with a pretty unremarkable but steady return on investment; you just need to make sure you find one that suits you. Some of the higher-yield accounts require a minimum balance or a yearly fee... but if you've got a good enough chunk of cash to start with, that might be worth it for you.

They are almost as reliable as government bonds, and are insured by the government up to $250,000. Right now, they come with a lower ROI than most bonds/bills/notes (federal interest rates are pretty high at the moment, to combat inflation). Unlike government papers, though, you can deposit and withdraw money from a savings account pretty much any time.

Certificates of Deposit:

Okay, imagine you are loaning money to your bank, with the fixed term of "I will get this money back with interest, but only in ten years when the contract is up" like the Treasury Notes.

That's what this is.

Also, Investopedia updates near-daily with the highest rates of the moment, which is pretty cool.

Property:

Honestly, if you're coming to me for advice, you almost definitely cannot afford to treat real estate as an investment thing. You would be going to an actual financial professional. As such... IDK, people definitely do it, and it's a standby for a reason, but it's not... you don't want to be a victim of the housing bubble, you know? And me giving advice would probably make you one. So. Talk to a professional if this is the route you want to take.

Retirement accounts:

Pension accounts are a kind of savings account. You've heard of a 401(k)? It's that. Basically, you put your money in a savings account with a company that specializes in pensions, and they invest it in a variety of different fields and markets (you can generally choose some of this) in order to ensure that the money grows enough that you can hopefully retire on it in fifty years. The ROI is usually higher than inflation.

These kinds of accounts have a higher potential for returns than bonds or treasury notes, buuuuut they're less reliable and more sensitive to market fluctuations.

However, your employer may pay into it, matching your contribution. If they agree to match up to 4%, and you pay 4% of your paycheck into an pension fund, then they will pay that same amount and you are functionally getting 8% of your paycheck put into retirement while only paying for half of it yourself.

Mutual Funds:

I've definitely linked this article before, but the short version is:

An investment company buys 100 shares of stock: 10 shares each in 10 different "general" companies. You, who cannot afford a share of each of these companies, buy 1 singular share of that investment company. That share is then treated as one-tenth of a share of each of those 10 "general" companies. You are one of 100 people who has each bought "one stock" that is actually one tenth of ten different stocks.

Most retirement funds are actually a form of mutual fund that includes employer contributions.

Pros: It's more stable than investing directly in the stock market, because you can diversify without having to pay the full price of a share in each company you invest in.

Cons: The investment company does get a cut, and they are... often not great influences on the economy at large. Mutual funds are technically supposed to be more regulated than hedge funds (which are, you know, often venture capital/private equity), but a lot of mutual funds like insurance companies and pension funds will invest a portion of their own money into hedge funds, which is... technically their job. But, you know, capitalism.

Directly investing in the stock market:

Follow people who actually know what they're doing and are not Evil Finance Bros who only care about the bottom line. I haven't watched more than a few videos yet, but The Financial Diet has had good energy on this topic from what I've seen so far, and I enjoy the very general trends I hear about on Morning Brew.

That said, we are not talking about speculative capital gains. We are talking about making sure inflation doesn't screw with you.

DIVIDENDS are profit that the company shares to investors every quarter. Did the company make $2 billion after paying its mortgages, employees, energy bill, etc? Great, that $2 billion will be shared out among the hundreds of thousands of stocks. You'll probably only get a few cents back per stock (e.g. Walmart has been trading at $50-$60 for the past six months, and their dividends have been 57 cents and then 20.75 cents), but it adds up... sort of. The Walmart example is listed as having dividends that are lower than inflation, so you're actually losing money. It's part of why people rely on capital gains so much, rather than dividends, when it comes to building wealth.

Blue Chip Stocks: These are old, stable companies that you can expect to return on your investment at a steady rate. You probably aren't going to see your share jump from $5 to $50 in a year, but you also probably won't see it do the reverse. You will most likely get reliable, if not amazing, dividends.

Preferred Stocks: These are stock shares that have more reliable dividends, but no voting rights. Since you are, presumably, not a billionaire that can theoretically gain a controlling share, I can't imagine the voting rights in a given company are all that important anyway.

Anyway, hope this much-delayed Intro To Investing was, if not worth the wait, at least, a bit longer than you expected.

Hey! You got interest on the word count! It's topical! Ish.

[lostlegendaerie]

Fuck it! US Private Student Loans Guide!

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

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

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

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

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

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

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

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

More in depth information for each point!

1) Lenders and Servicers

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

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

2a) Interest Accrual and Rates

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

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

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

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

2b) Deferment and Payment Allocation

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

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

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

Blame Reagan and the republicans who enabled him.

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

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

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

[macgyvermedical]

Hello! I wanted to ask about Americorps. :) First off, are they always taking people? Given the difficulty of finding a job as of late, I was wondering if hiring/the acceptance of applications has slowed any. Second, what's the pay like? Is it just enough to live on, or enough that you could put some towards college debt or savings? Third, where could you apply; are there recruiting centers or is it all online? Fourth, what's life like in the corps, per your experience?

Here are the programs currently accepting applications (6/4/24). The applications are pretty much always open for at least one entry time (there are 3 entries per year- Fall, Winter, and Summer). I know that the acceptance rate changes with the number of applications, and some years they take everyone, while other years they take fewer applicants. The only way to know if you get in is to apply.

You can use the search feature below to see what programs are available. Make sure the "AmeriCorps NCCC" and "AmeriCorps NCCC Team Leaders" buttons are clicked, click nothing else, and hit "search".

Since it's service, the pay is a stipend. When I was in NCCC in 2018, the stipend for CMs was $300/month and the stipend for TLs was $800/month. I think it's more now so if anyone knows please let me know so I can give more updated info. Keep in mind that:

All your basics- food, transportation, lodging, etc... is covered in full

Any federally backed student loans you have go into forbearance and the interest is paid by AmeriCorps

You get an education award of about $7,000 per service term (up to 2) that can go toward future education, job training or to pay off existing student loans

Basically the only thing you pay for while in NCCC is your cell phone bill and any personal care items, personal clothing, etc...

I saved about half of my stipend while I was in NCCC

Other AmeriCorps programs, like VISTA, pay essentially the local poverty line, since part of the program is learning to live on very little.

You apply online. Call 1-800-942-2677 if you need any help with the application.

[dross-the-fish]

What are the princes personalities like in your AU? And what is each ring of hell like- is it like what it is in Dante’s Inferno?

It is a bit like Dante's inferno as the rings of hell are all themed based on each Devil's preferences.

I'll tell you a bit about Mephistopheles, his realm is like an office, there's a lot of processing and paperwork and he oversees the manufacture of devil contracts. Every contract is a bit different and each devil goes about contracting their targeted souls a different way. Wrath/Satan operates a barracks and his contracts read like conscription papers. All of his contracted are training to be soldiers in an upcoming war against heaven. Greed/Mammon is a debt collector, his contracts are almost like loan agreements with heavy interest rates. His realm resembles and elaborate bank filled with accountants who keep tabs on how much mortal wealth their contracted accumulate and convert it into years of labor in Hell. Envy/Leviathan is actually where most of the players are currently at and the function of that one is a bit different as Leviathan is a giant sea monster that swallows whole ships. This is actually how I got the Nautilus into the current play through and will be giving Nemo an extended role. There is also a world within the serpent, who was born Jormungandr but has become the Leviathan due to the influence of the current ruling religion, (something that irks Nemo to no end because he himself is not Christian and has a deep resentment towards the encroachment of the religion over all others,) Within the realm of the Serpent's belly contracts look like trade agreements designed to obtain one party what it covets but only in exchange for giving something desired of theirs to another.

The others haven't been reached yet and I don't want to go to heavily into upcoming arcs as they are subject to change based on player needs/choices.

[eden031]

Here‘s to courage

Aemond Targaryen x reader/original female character

About 6k words long

Modern! AU

TW: sexual harassment (not by Aemond though), talks of infertility

With a loud sigh she let herself fall into her chair, the light of the computer felt like it was burning into her eyes. The pounding headache was still not gone, even after taking painkillers it did not get any better. Maybe she should not have drunk that much last night, knowing that she would have to drag herself to work the next day.

„Good Morning.“ the voice of Otto Hightower brought her back to reality. He was standing in front of her, his long coat draped over one arm and the suit he was wearing looked like the newest edition to his wardrobe, a deep navy blue with a white dress shirt.

„Good Morning, Sir.“ she smiled at him, his eyes wrinkling slightly at the sides. He looked a lot more happy than he usually did. Most of the time his expression seemed to be sulking or unhappy with something, but on this particular morning he looked like a heavy burden had been lifted off his shoulders.

„How was your weekend?“ he asked, hanging up the coat on the rack. The young woman was slightly startled by the question, Mr Hightower had never been a rude employer, but he had also never been particularly interested in his employees personal life.

„Good. My brothers and I drove up north to visit family, it was nice. Both my brothers thrived on being up there again. How about yours?“ she laughed softly and shook her head at the thought of how happy her older brother had been to see their older sisters again and how good the air up north had been for her other brother‘s lungs after he had developed severe pneumonia. She could, however, not tell him about the more bitter and sad part of the weekend, which led to her thundering headache.

„That is good to hear. My weekend has consisted of the usual business.“ he waved his hand in the air and sighed softly. She knew what that meant, it meant that his grandchildren had driven him up the wall and his daughter had probably ranted about her husband and maybe his oldest grandson had even brought around his new girlfriend or even one of his many kids.

„Could you call a few people for me before the normal issues of the day come flooding in?“ he asked her as he picked up the briefcase again, which he had sat down before hanging up the coat.

„Of course.“ she held back her comment that this was exactly her job, calling people for him, taking calls for him and scheduling every event while keeping track of all the requests that came into the Mailbox during the day.

„Here is the list and what I want from them or what you have to tell them. Some calls are internal, others are external.“ he handed her a large piece of paper, which he had drawn out of his breast pocket and unfolded with one hand.

She just nodded and smiled at him, with that he disappeared into the room which was behind her office. It was not really an office, she was only a secretary after all and that meant no big office for her.

As she looked down at the list she let out a drawn out groan, it was long and a few of the names on it were not her favorite ones to call. His handwriting was neat and tidy, yet it was elegant, which made it easy to read.

Lyman Beesbury

Ask about the debt to the Lannister Banks and how much of the budget for the new project has to be loaned to the Company

Jason Lannister

Tell him that we will not be able to pay the debt back with the current interest rate, negotiate (if he is not willing to cooperate put him through to me)

Harwin Strong

Put through the list of attendees for the Gala and the current security guidelines that have to be taken into consideration for such an event

Hobert Hightower

Also put through the list of attendees for the Gala and tell him that I want him to prepare a separate account for the donations for the Gala

The list went on and on with tasks like these, most of them either relating to some form of finance or the Gala coming up in a month. With a heavy sigh she placed her head on the table, closing her eyes before looking at the last point on the paper.

Aemond Targaryen

Tell him that he will be attending the six o‘clock meeting with me tomorrow.

She rolled her eyes at that, but also felt some kind of relief. Aemond was always polite when she called and never snapped at her so at least there was something to look forward to while she was making some of the more dreadful calls on the list. With a glance at the clock she picked up the phone on her desk and started to dial the number of Lyman Beesbury. She had exactly one and a half hours before the usual rush of the day started to flood in and then she would be buried in work.

With a groan she hung up that second to last call and dropped her hands on the keyboard in front of her. She had a deep resentment for that Baratheon man, he always made disgusting comments about her and her professional relationship with Otto Hightower. She looked at the clock again, it was now almost an hour into the normal work day and she was already stacking up work for the rest of the day, making copies of certain documents, putting things away, sending Emails to different people with requests or telling them that they did not do their job correctly. One more time she picked up the phone and dialed the number of Aemond Targaryen. After one ring he picked up.

„Hello, Aemond Targaryen speaking.“ his smooth voice came through the speaker.

„Hello, Mr. Targaryen! Here is-„ she was interrupted by him.

„Ah, dear. How can I help you?“ his voice was calm and she could hear the tapping of a keyboard in the background. It always flustered her that he called her dear, but she never said anything because it did not make her uncomfortable.

„I am just calling because Mr. Hightower wants to let you know that you will be joining him for his six o‘clock meeting tomorrow.“ she waited for him to say something.

„Alright. Tell him that I will be there. I just have a quick question: who else is attending the meeting?“ he asked, the tapping in the background had stopped a few moments ago and scribbling had come into the audio now.

���Uhm…I can answer you in just one moment.“ she hacked the date and time into the calendar, which she kept for Mr. Hightower’s meetings.

„The meeting is with Ms. Rhaenyra Targaryen,“ she paused and continued to read the other names, a bad feeling settling in her stomach. „Mr. Corlys Velaryon, Mr. Vaemond Velaryon and Mr. Daemon Targaryen. As well as Mrs. Targaryen and of course Mr. Hightower." She licked her lips and waited for him to say anything. There was only the sound of his breathing now.

„Thank you. One more question; is my grandfather currently available?“ he sounded angry about something and she really did not want to know what he was angry about. She knew a lot about the problems within the Targaryen family, but by far not everything.

„Uhm, yes he is. He is in his office right now.“ she said calmly.

„Thank you, goodbye.“ Before she was able to say anything he hung up. Quickly she sat down the phone and now stared at the documents laying in front of her. With a sigh she took the stapler from the side of the desk and started to look through the dokuments, wanting to know which of them belonged together and which of them needed to be put away separately.

While she was stapling and putting away all the documents she remembered why she had such a blaring headache. It had not been a pleasant night, normally she did not drink that much, but due to her unnerving aunt she had drunk one glass of whiskey after the other and had realized too late that drinking almost three quarters of a Whiskey bottle was not a good idea. The woman had been asking about when she would get married and why she was not engaged and when they would be able to welcome more children into the family. Her aunt was particularly cruel when it came to things like these. The woman never kept it to the annoying enough questions, but always started to insult the other person the drunker she got. The best insult of the evening that had been thrown at her head had been:“defect breeding cow“, which would have not affected her as much if it was not for the fact that her Gynecologist had recently told her that the chance of her ever having children was slim, not zero but close to. She shook her head to get rid of the images and the feelings associated with that night, pushing the stapler aggressively into the paper and then putting it in the hole puncher to even more aggressively punch the holes into the papers.

Suddenly the door flew open and Aemond strode into the room. His face filled with annoyance as he closed the door behind him. Closed was the right word, he had not slammed it, he never slammed doors unlike his older brother who seemed to be always slamming doors.

„Mr. Targaryen,“ she nodded at him, her eyes turned back to her work. She did not want to bother him, especially not when he was angry about something. He smiled softly at her, greeting her and continuing to Otto Hightowers office.

After Aemond had entered, muffled voices were audible from the room, however only a mere moment later the muffled voices turned into something that sounded much more like shouting.

She tried hard not to listen to anything they were saying since it felt like a huge invasion of privacy. Luckily their voices were only muffled again after a few moments.

The young woman was not sure how long their talking continued, but after some time Aemond left the office again. He walked slowly and also closed the door gently again. Now she was finally able to get a good look at him. Aemond Targaryen was in his mid twenties, lean and had gorgeous platinum blonde hair, which shone softly. Otherwise he was also very good looking and always well dressed, on this particular day he accentuated his frame with a tight fitting, emerald green dress shirt and black slacks.

„Would you like to come to the kitchen with me and get a coffee?“ he asked her as he was about to leave the room.

„I would love to!“ she smiled softly and got up from her chair, her back aching since she had been sitting since the early morning.

He opened the door for her and let her pass, he left the room after her and gently closed the door. Together they quietly walked through the corridor.

„You have probably heard that my dear father will be hosting a Gala next month.“ Aemond broke the silence as they continued their way to the kitchen.

„I have, actually I have been making calls about that all day and sending Email out about certain regulations that have to be met.“ she chuckled softly as they turned a corner.

„Oh, well that is also good to know. At least I now know that someone competent handled the bureaucracy of the whole event.“ he said.

„Thank you, but to be honest: Mr. Hightower did a lot of the bureaucracy things, I just sent out the Emails for him and made the phone calls.“ she laughed softly.

He just hummed in what seemed like disagreement, but she was not able to place the sound combined with his nonchalant facial expression.

„Have you received an invitation?“ he asked, seeming genuinely interested in the answer.

„Oh no! I do not get invited to any events of the sort. After all, I am just a secretary that does not have that much influence. There is no need to invite me.“

Aemond looked over at her, his eyes opened wide and his eyebrows raised.

„Well, then. If you have not received an invitation yet then please see this as your invitation to the Gala, as my plus one.“ he said.

She stared at him in shock for a moment. He had seriously asked her to come to the Gala as his plus one. She took a shaky breath and swallowed the lump in her throat.

„Thank you, Mr. Targaryen.“ she said quietly.

„Aemond.“ he responded plainly.

„Excuse me?“ she asked, not quite understanding what he wanted to say with that.

„Please call me Aemond. I believe that I have told you on a few occasions already that I do not like to be called by my last name.“ he smiled softly as they reached the kitchen.

„Thank you, Aemond.“

„Have you finished up everything for the day?“ Otto Hightower asked as he exited his office. He seemed to be in a hurry to leave, which made sense since tonight was the big night in which hours and hours of planning had been invested. He probably also had to get changed since his usual plain suit would not be doing well at the Gala.

„Yes, Sir. Everything is finished, all the pile up of the last few weeks is also gone and you can go to the Gala with a good conscience.“ she smiled at him as he put down the briefcase.

„Good, good.“ he paused for a moment, „You do know that Aemond told me that he invited you as his plus one, right?“ he asked.

She felt her face heat up slightly as she looked at her hands. All the time after Aemond had invited her she had not told Mr. Hightower since she did not know what he would say, but the fact that Aemond already told him made things much easier.

„No, he did not tell me that he informed you about that.“ she laughed softly, trying to cover up how flustered she was. The older man hummed slightly, but just nodded.

„You should also leave, I believe getting ready will take you some time.“ his expression was kind as he picked up the coat and draped it over his shoulders.

„Until later.“ he said, after she also said goodbye he left, shortly after she also took all of her things and made her way home.

She took a deep breath as she looked at herself in the mirror. The light green dress was smoothed out perfectly and her hair had been done perfectly by one of her friends who worked as a hairstylist, falling loosely over her shoulders and complementing the color of the dress. For her shoes she had opted for cream colored strap heels, which blended nicely with the color of the dress. A pair of small golden hoops dangled from her ears as she took the clutch.

Aemond had told her not to worry about what she would be wearing and wear something she felt comfortable in, which turned out to be harder than she thought at first since most of the dresses she owned and already knew felt comfortable in were not appropriate for a Gala in any way. As she looked away from the mirror she glanced at the clock, it was almost time for him to come pick her up, nervously she smoothed out the dress once again and made her way over to her coat rag. It was not too cold, but still rather cool, especially since she was wearing a dress that unfortunately did not have any sleeves. Before she was able to grab her coat the bell rang and she walked towards the speaker in the wall.

„Hello, Aemond?“ she simply spoke into the microphone. For a moment there was silence.

„Yes, dear.“ as she heard his voice she pressed the unlock button for the door and went to take her coat and her clutch. She opened the door and made her way into the stairwell, closing the door and locking it behind her.

As she was about to call the elevator the doors opened and Aemond stood in front of her. She felt like someone had knocked all of the air out of her lungs. He stood there, looking like a model. His lean body was clad in a beautiful black suit with a black dress shirt, but no tie or fly. The soft platinum blonde hair was brushed back, but still hanging loosely over her back and shoulders.

„Hi.“ she whispered softly as she stepped into the elevator, almost realizing too late that she had been staring at the man.

„Hello, dear.“ he smiled softly at her as he pressed the button for the ground floor and seemed to relax.

„You look beautiful in that dress.“ he looked at her with an expression that she was unable to read. His one eye looked her up and down while the glass eye, which he had chosen to be a sapphire, shone bright in the light of the elevator.

„Thank you. You look rather handsome yourself.“ her eyes traveled up and down his figure again, the first two buttons of his shirt were opened, which made it look a lot more relaxed than it would have looked if he had been wearing a tie. At the statement he chuckled softly.

With a soft ding the elevator came to a stop, as the doors opened he stretched out his arm, signaling her that she should take his arm. Her hand landed on the crook of his elbow, making her feel like she gave up some sort of control, a fact that would have terrified her under normal circumstances, but this was different, right now she was happy that someone was guiding her.

They approached a car that was standing in one of the parking spaces in the area. It looked to be an older Porsche model, but she had in all honesty no idea what kind of car it was. Aemond opened the back door for her and she took a seat in the back of the car, putting on the seat belt, greeting the man that was sitting at the wheel. The young man rounded the car and took a seat beside her.

As the car was set in motion by the driver she looked out of the window. His voice brought her back to reality.

„I will give you a fair warning before we arrive. There will be a lot of people taking photos, especially while we exit the car.“ he adjusted his cuffs as he spoke.

„Oh.“ she swallowed harshly, knowing that that would be hard for her, she had of course expected it, but it still felt odd.

„No need to worry.“ he chuckled softly. „I will guide you. Wait for me to get out of the car, then I can help you exit.“ he paused again and studied her face for a moment. „While we are in the main hall, you can just mingle. Before the buffet there will be many speeches, they are not the most interesting, but you will be able to pass the time. Afterwards it is just food, polite conversation and dancing.“

„Thank you. I am good at mingling and listening as well, that is a positive.“ she smiled softly as Aemond raised his eyebrow and looked at her with confusion written across his face.

„Well, mingling and listening is my job after all. I do not only send out emails, but make calls that need a sensible tone and an open ear.“ she smiled softly. „And if I may say so myself; I have gotten quite good at listening to people talking about things that I have no idea about.“

He laughed softly and shook his head. „Then I should keep you close since listening to the ramblings of my father‘s business partners is not my strong suit.“ There were a few moments of silence then he spoke again. „Also I would recommend you leave your coat in the car as well as the bag, there will not be many places to hang it and things can easily get lost at these Galas.“

„Oh, alright.“ She began shrugging off her coat, knowing that the hall which they had booked for the Gala was only a few minutes away from where they currently were. A slight shiver ran through her body as she felt the warm coat leave her body. Only shortly after she pulled it out from beneath her and folded it on the middle seat.

„I have never seen someone take a coat off so elegantly while sitting, even my dear my mother is not able to do that.“ he laughed and shook his head in amazement.

„It comes easier when you spent most of your childhood in a car. You actually learn to do a lot of things while in a moving car.“ she laughed softly.

The short rest of the drive was spent in silence. The car pulled up beside the hall and stopped at the height of a red carpet. Smoothly the driver reached for her coat and clutch and put it on the passenger seat before Aemond opened the door. As he did so she heard and saw the flashes of cameras going off. Waiting a short moment she scooted over and also got out of the car, taking Aemond‘s hand in the process. The only thoughts on her mind were to keep your legs together while getting out of the car and your hand on the neckline of your dress. Luckily, she exited the car smoothly and without issue.

As she stood securely Aemond offered her his arm again, she took it and they began to walk. She smiled softly as they made their way to the entrance of the hall. The flashes of the cameras were truly blinding and she was happy that Aemond seemed to be so confidently strudding towards the entrance.

It became apparent immediately that they entered the building since the flashes stopped. She took a deep breath and looked up at Aemond, looking to find some kind of reassurance, which she also found: he wore a gentle smile and nodded at her. They continued into the main room of the hall and she again felt like someone knocked all the air out of her lungs.

The ceiling was made of glass and shimmered softly, but the most impressive thing of the whole building was the massive chandelier, which was hanging in the middle of the ceiling. It was made of glass and what seemed like crystals, the light cascading down from it made the room feel like a scene from a fairy tale. This feeling only intensified as she looked at the people in the room. All of them were immaculately dressed as well as having some kind of regal air about them.

He moved his arm away from hers, but quickly placed his hand on the small of her back. She tried to follow his gaze, which led her eyes to a group of people with the signature blonde hair of the Targaryens.

„Come, my family is there. I think we should greet them.“ his voice was soft, yet it still carried over the muttering and talk of the crowd with ease. She just nodded and he directed her effortlessly through the crowd, people parted to let them through.

Finally they arrived at the group. She recognized a few people; Viserys Targaryen and his wife seemed to be the first to notice the pair approaching. Alicent Hightower, the wife of Viserys, was a beautiful woman with big brown eyes and a soft face, she was clad in a dark green evening gown with black heels and her hair pulled back in a slick bun. Viserys Targaryen himself was seated in his wheelchair, the suit he wore looked similar to the one Aemond was wearing, just that he wore a red tie with it. The other people were Aegon Targaryen and Helaena Targaryen, Aemond‘s older siblings, as well as Daeron Targaryen, Aemond‘s youngest brother. They all looked immaculate, Helaena wearing a golden dress with long sleeves, Aegon looked the most casual out of all of them with his white dress shirt and black slacks. Daeron wore a dark green satin suit paired with a black dress shirt and a green tie. Moreover there were Rhaenyra Targaryen and her husband Daemon along with Rhaenyra‘s sons and Daemon‘s daughters. Rhaenyra and Daemon‘s daughters, Baela and Rhaena, wore black dresses with varying accents of red. Daemon in a black suit with a black turtleneck pullover and all of Rhaenyra‘s sons seemed to be matching their grandfather.

„Aemond! I knew you would bring the cute secretary!“ Aegon shouted as they approached. His face lit up as he saw his brother, she saw as much, but felt a wave of nervousness hit her as all eyes were on her and Aemond. The large family all seemed to expect her to say something.

„Good evening everyone.“ Aemond greeted politely. He let go of her for a moment to go over to his mother and kiss her on the cheek. „Mother.“

„Hello.“ she smiled as relaxed as she could, but still felt like anyone from the group would be coming at her at any given moment. Before anything else could be exchanged Aemond took his place by her side again, looking positively annoyed by the fact that his nephews were present.

„Just a fair warning Aemond, the waiters have not finished setting the table. Take care so that they don‘t get to your other eye.“ Lucerys, one of Aemond‘s nephews, snickered. She felt how his hand slit over to her hip and the grip on her seemed to get stronger.

„You should be careful as well, nephew. We do not want an accident to happen to your eye, would we?“ Aemond seemed so calm as he said it, but there was a very definite threat behind these words. She felt a lump form in her throat as hateful glares were exchanged between the men.

„No, we wouldn‘t.“ a new voice came from behind her. She turned around, looking for the person that had just spoken. It was Otto Hightower and she never felt relief wash over her quicker before. A warm smile spread across her face as she saw her employer.

„Mr. Hightower.“ she nodded at him. He looked away from both of the young men and sent her a kind smile, his expression turned stony again as he looked at his oldest grandson.

„Aegon, come. Some people want to meet you.“ his voice was stern as he said those words, clearly displeased that they wanted to meet the young man.

„Do I really have to?“ he whined.

„Yes!“ Mr. Hightower snarled, turning around again to make his way back into the masses. Aegon followed him silently.

They stood there in silence for a few minutes then Aemond spoke again.

„If you would excuse us.“ Aemond already started walking away, almost dragging her behind him.

„Goodbye.“ she hurriedly said as she walked with Aemond. He seemed annoyed as they walked through the crowd.

„That was intense.“ she muttered under her breath, happy about the fact that she was able to escape that circle of hell. After Aemond had asked her to accompany him to the Gala they had spoken more and he had invited her for coffee and cake from time to time. That led to her knowing a lot more about the formidable Targaryen family than before and not all of the things she learned were good. However, she had not expected things to get out of hand so quickly once they were all gathered in one place.

„There have been worse things to happen during family get-togethers.“ he muttered under his breath. Before she was able to say anything to him about the interaction again a large man swept in front of them. He was broad shouldered with shoulder long black hair and clear blue eyes.

„Now, now Aemond Targaryen!“ the man laughed and held out his hand. It was Borros Baratheon, the current head of the Storms End company, a man she strongly disliked for many reasons. Sadly, she had to interact with him regularly on a professional level. Before he was able to say anything to her someone took her hand and tugged on it.

„Come, I want to show you the balcony.“ the voice of a woman said. She looked at the woman, it was Helaena. Looking at Aemond for a moment she just nodded.

„Of course.“ Helaena dragged her to the balcony and stopped once they overlooked the city. Kings Landing was beautiful during the night, many lights were shining from all the buildings and even some of the smaller quarters of the city were alight. This city was never truly asleep, everywhere at any time people were making their way through the city and working.

„Thank you.“ she whispered softly as she leaned against the railing, looking down at the magnificent city.

„There is no need to thank me. I know how much you hate him.“ she hummed softly. Her eyes seemed distant, like she was somewhere completely different. She had been well acquainted with Helaena for most of the time she had worked for Otto Hightower, however their friendship had only begun shortly before Aemond had asked her to join him for the Gala.

They stood outside for what felt like half an hour, looking at the city and speaking hushed whispers, giggling softly at each other's jokes. Suddenly she realized that she was freezing and needed to get inside if she did not want to get hypothermic.

„Helaena? I need to get back inside, I am freezing.“ she muttered softly. Helaena just nodded and hummed.

She entered the warm hall again and felt her skin prickle at the warmth of the air. Now the next step was to find Aemond again, she did not want to be alone for too long. While walking through the crowd she greeted a few people politely and even held short conversations with them. Most of them she knew, having already met them at meetings or similar events. Out of nowhere a warm hand landed on the small of her back. She turned, fully expecting to see Aemond but she was wrong, very wrong. It was Jason Lannister.

„How nice it is to see you here!“ he greeted her with a polite smile, his hand not leaving the small of her back the whole time.

„Mr. Lannister, it is a pleasure to see you.“ she nodded politely, trying to writhe her way away from his hand, but it stayed there, moving up to her hip. It was easy to smell that the man was drunk out of his mind, his breath reeking of alcohol.

„Now tell me, doll. What did Aemond Targaryen promise you if you showed up here with him?“ Now she heard that his speech was slurred, only confirming her theory.

„I do not quite understand what you are talking about, Mr. Lannister.“ she felt how his grip on her hip only got more intense.

„You know, did he promise you money? Maybe a promotion? Or a good fuck? Because the last thing he can‘t give you, however I know someone that might.“ his face was dangerously close to hers now and she felt like she was about to throw up as her brain fully processed what the man had just said. As he was about to press his lips against her he was pulled back from her, it was such an aggressive pull that she stumbled back slightly.

„Back off Lannister. She does not want to talk to you.“ Aemond hissed as he wrapped his arm around her waist, still placing himself slightly in front of her. Before Jason Lannister was able to say anything to her or Aemond, Aemond pulled her away and into the crowd.

After they had put a good distance between them and Jason Lannister, Aemond let go of her.

„Are you okay?“ he took her hand and looked her in the eyes. For a moment she was contemplating lying to him, telling him that she was okay that this had not affected her in the slightest, but it had. It had scared her and she felt like she was about to throw up.

She just quietly shook her head and took a step closer to him, Aemond understood the gesture and pulled her into a warm embrace.

„Alright, let's find you a place to sit down.“ he took her hand and guided her through the crowd to one of the tables. He sat her down on the chair in front of him and gently rubbed her arm as he scanned the crowd. She tried to follow his gaze, she spotted the same person he did or rather the two people. It was Aegon and Otto Hightower: Aemond shouted Aegon‘s name and the man turned right away. Aemond waved his hand, signaling him to come over, Otto Hightower followed behind his grandson. As they arrived Otto‘s eyes immediately fell on the young woman sitting on the chair, she looked like a scared deer, eyes glossed over and hands shaking.

„What happened?“ he asked right away as they arrived. His face was hard and he seemed displeased.

„Jason Lannister happened,“ Aemond snarled. Otto raised one of eyebrows, Aemond leaned in and whispered in his grandfather‘s ear. His expression became furious.

„I will get one of the security people to deal with him.“ Otto disappeared after that. Aegon now stood there, looking like he had no idea what to do.

„And what do you need me for?“ Aegon asked.

„Get two lemon cakes from the buffet.“ Aemond‘s voice was commanding and Aegon quickly obliged.

The rest of the evening went by without incident. Jason Lannister had been escorted out of the building by a group of security people and no one else had dared to come near her after that, the fact that she was attached to Aemond‘s arm for the rest of the evening probably also played its part.

Just like Aemond had said the speeches were boring, but she just let her thoughts wander during that time. After the buffet had opened and people had started dancing, the shock of the encounter with Jason Lannister slipped off her like a blanket and she began to enjoy herself. While she was chatting with Helaena she looked over at Aemond who was just speaking to Criston Cole, one of the private security people of the Targaryen family. He looked a lot more relaxed now, but there was still a certain tension in his shoulders.

As he returned to the table she got up from her seat.

„Is everything alright?“ Aemond asked, surprised that she seemed to get up so abruptly.

„Yes, I just wanted to ask if you wanted to dance?“ she smiled at him, this request seemed to have taken him by surprise.

„Of course, why not?“ he smiled and took her hand. As they reached the dance floor a more upbeat song started playing. Aemond twirled her as they danced to the song. Moving towards each other, then apart again, twirling and turning. She laughed as Aemond dipped her down and pulled her up again. They continued like that for what felt like hours. She was in a bliss of pure enjoyment, especially when the slower songs played and he would place his hands on her hips and just gently sway with her. As one song came to an end she looked up at him, seeing how he looked down at her with an unreadable expression, but it was not unfamiliar, he looked at her like he had looked at her in the elevator. Then suddenly he leaned down and gently kissed her, their lips met and she was unable to breath for a moment, she was shocked, but in a pleasant way. He pulled away again, a soft smile on his lips as she looked up at him with big eyes.

„I hope that was okay.“ he whispered softly as they continued to dance.

„It was.“ she laughed softly.

The rest of the evening they danced, they danced and laughed. Aemond knew that it would not be easy for him, but courage was a first step in the right direction.

[dontmeantobepoliticalbut]

The vast majority of the Senate Republican caucus united last week to introduce a bill that would permanently repeal the estate tax, targeting one of the few provisions in the U.S. tax code that solely affects the richest 0.1% of Americans.

Led by Sen. John Thune (South Dakota), the top Republican on the Senate Subcommittee on Taxation and Internal Revenue Service Oversight, 40 Republicans reintroduced their bill to ensure that ultra-rich individuals seeking to hand off tens of millions of dollars — or more — to their heirs can do so completely tax-free. The extremely regressive proposal has been a longtime goal of Republicans, who have already massively watered down the estate tax in past years.

Currently, the estate tax threshold is $12.9 million, and nearly $26 million for couples. Amounts under this are exempted from taxes. This is nearly triple the threshold from 2016 and earlier, as Republicans more than doubled the estate tax cutoff in their major tax overhaul in 2017. The threshold is now so high that it is estimated that less than 0.1% of Americans are subject to the tax.

Evidently, these tax cuts are still not enough for Republicans, who had tried to repeal the tax altogether in 2017. In a press release on the bill, Thune, Senate Minority Leader Mitch McConnell (R-Kentucky) and Sen. Mike Crapo (R-Idaho) attempted to couch their support of the repeal in efforts to supposedly support farmers — claims that reveal themselves to be a farce when more closely examined.

“For years I have fought to protect farm and ranch families from the onerous and unfair death tax,” Thune said. “Family-owned farms and ranches often bear the brunt of this tax, which makes it difficult and costly to pass these businesses down to future generations.”

Thune’s statement is a misrepresentation of the truth. The vast, vast majority of “family-owned farms” are not subject to the estate tax. In 2020, a mere 0.16% of farm estates owed the tax, according to data from the Economic Research Service of the U.S. Department of Agriculture. This is an exceedingly small number of farms. As the Tax Policy Center estimated, only 50 farms total paid any estate tax in 2017, and this research was done before lawmakers doubled the threshold.

The criticism of the estate tax in defense of farmers is disingenuous for another reason, as Inequality.org pointed out in a blog post this week. The tax code “already has provisions that protect the very few families with farms and businesses subject to estate tax,” wrote Institute for Policy Studies associate fellow and senior adviser for Patriotic Millionaires Bob Lord. “If the bill sponsors truly cared about family farms, ranches, and businesses, they could have proposed legislation to expand these protections but leave the estate tax intact.”

In reality, deep-pocketed lobbyists with the Farm Bureau have long been pushing a repeal of the estate tax — and the group’s deep ties to big business and Wall Street are well documented.

Perhaps not coincidentally, repealing the estate tax would complete the loop of tax avoidance for the wealthiest Americans. The bill targets the “die” part of “buy borrow die,” a common tax dodging scheme used by the wealthy to avoid paying taxes; it is part of the reason that the wealthiest Americans are able to pay little to no taxes year over year.

In the practice of buying, borrowing, and dying, the rich first pour their wealth into assets like stocks, building up a large portfolio. Those assets are then used as collateral for taking out large loans with low interest rates — lower than, say, the income tax rate — that become a wealthy person’s spending money. Then, they die, and hand off their wealth to the next generation, maintaining their dynasty for decades to come.

At very few points do taxes come into the buy, borrow, die equation. Buying and keeping stocks doesn’t incur a tax bill. Taking out loans allows the wealthy to claim very low incomes to skirt income taxes. The estate tax is essentially the only guarantee, and even then, the wealthy have come up with extreme loopholes to dodge the estate tax, too. Republicans, then, are hoping to make tax avoidance even easier by legalizing it entirely; Lord has pointedly labeled the bill the “Billionaires Pay Zero Tax Act.”

The proposal stands in sharp contrast to progressives’ views on taxation. Pointing to extreme and growing wealth inequality, progressives have been calling for increasing taxes on the rich and specifically targeting their wealth and stock portfolios, rather than endlessly allowing the “buy” and “borrow” portions of the cycle.

[luxe-pauvre]

It is hard not to feel that this is the kind of society we are rapidly becoming. Many of the AI systems being incorporated into institutions, government agencies, and corporations are black-box models, relying on mathematical calculations so complex that it’s impossible to know how they reach a particular decision, prediction, or recommendation. These models currently aid judges in sentencing decisions, determine which neighborhoods are patrolled by police departments, and recommend which loan applications should be approved. These technologies account for quantities of data no human can process. But for all their superior abilities, they have not managed to avoid the kinds of patterns to which humans are prone. Recidivism-assessment models assign higher risk scores to black defendants; recruitment algorithms rate women as less desirable than men for technical jobs. Because these algorithmic decisions are informed by historical data—which loans have been approved in the past, which crimes have been subject to harsh sentencing—they tend to reinforce historical biases, a problem the journalist Cade Metz compares to “children picking up bad habits from their parents.” Defenders of these technologies often reply that human decisions are just as unthinking: we, too, often function on autopilot; we, too, get stuck in feedback loops, making the same decisions we’ve made in the past, not realizing that we are spurred by simple familiarity. But even the most ingrained human behaviors are accompanied by sensations that prompt us to pause and recalibrate when something goes wrong—a truth well known to anyone who has caught themselves driving home to a previous residence or gagging on the hemorrhoid cream they’ve mistaken for toothpaste. Ravaisson calls habit the “moving middle term,” a disposition that slides along the continuum between rote mechanism and reflective freedom. Weil, who similarly saw habit as a continuum, believed that we should strive to remain on the reflective side of that spectrum. The Stoics advised nightly meditation, so as to judge the virtue of the actions they’d taken that day, and Charles Sanders Peirce, the father of pragmatism, noted that in cases where habits have begun to work against a person’s interests, “reflection upon the state of the case will overcome these habits, and he ought to allow reflection its full weight.” It is this connection to thought that allows habits to remain fluid and flexible in a way that machines are not. Habits are bound up with the brain’s plasticity, a term James describes as “a structure weak enough to yield to an influence, but strong enough not to yield all at once.” Unlike algorithms, which lock in patterns and remain beyond our understanding, habits allow us to negotiate a livable equilibrium between thought and action, maintaining, as Weil puts it, “a certain balance between the mind and the object to which it is being applied.”

Meghan O’Gieblyn, Routine Maintenance

[fundmaster]

Refinancing vs. Staying Put: What's Best for NZ Homeowners?

For New Zealand homeowners, deciding whether to refinance or stick with their current mortgage depends on several factors. Refinancing Mortgages can offer benefits such as lower interest rates, reduced monthly payments, or access to home equity for renovations. With fluctuating interest rates, 2024 may present opportunities for homeowners to lock in better deals, especially if current rates have decreased since their initial loan.

However, staying put can also be advantageous, particularly if breaking the existing loan incurs high penalties. Some homeowners may value stability over potential savings, especially if they have a fixed-rate mortgage and are close to the end of their term.

Ultimately, the choice comes down to personal financial goals. Refinancing may be a smart move if the long-term savings outweigh the costs, but for others, maintaining their current mortgage could provide peace of mind. Consulting a mortgage advisor can help weigh the options effectively.

[classicquid]

Short Term Loans UK Low-Interest: Variations in Lender Terms and Conditions

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Should you reach the end of your loan term and find that you do not have sufficient funds in your account to reimburse the short term loans UK, you will face several challenges. If the assets aren't available, your bank will charge you an overdraft fee. The advance firm will try to swap the assets from your record. At that point, the creditor will charge you a fee for failing to pay the advance and carry it over to the following pay period. Your debt will continue to grow as a result of the high interest rates that will continue to be applied to the credit.

Family finances have been managed by people for a long time with limited or nonexistent charge card use. Some folks don't require a debit card; they just appreciate making payments with short term cash loans. Some persons were unable to use credit because they misused it or made mistakes with the obligation partition. Credit-tested people approach quite a bit of what the credit customers of the world have had easily accessible, since the majority of bank platinum cards may also be used as Master Cards. There's no sense of accumulated intrigue or fear of obligations. Charge cards directly deduct payment from your account balance. You will be responsible for overdraft fees and dealer non-funding fees if you are unable to make the installment payment.

You may require something as simple as basic supplies suddenly running out, or you may need something more substantial like extra money to pay for a wedding band or a big festival. Even though you may be certain that you can pay back any platinum card advances by your next paycheck, these advances come with a lot of risks. The repayment period for these short term loans UK direct lender is typically fourteen days, and the interest rate is typically between fifteen and thirty percent over that period. Though translated into an annual percentage rate (APR), that is an incredible 390 percent to 780 percent - far, absolutely more than the most over the top Visa charges. That may not appear like much more than charge card financing fees.

Since you can now compare loans online, getting turned down by your bank doesn't mean the end of the world. Classic Quid is one of many lenders that could be able to provide you with a short term loans direct lenders even if your credit score isn't the best. Because we recognize that your past financial performance may not accurately reflect your current circumstances, lenders will consider your current financial status when determining whether you will likely be able to repay a £1,000 loan if you have poor credit.

https://classicquid.co.uk/

[dubairealestate24]

The Ultimate Guide to Selling Your House Quickly

Selling your house quickly requires a strategic approach and an understanding of the real estate market. This comprehensive guide provides essential tips and strategies to help you achieve a fast house sale.

1. Understanding the Real Estate Market

The first step in selling your house quickly is understanding the current real estate market conditions. The market can fluctuate based on various factors such as the economy, interest rates, and local demand.

Market Analysis: Conduct a thorough market analysis to determine the current trends and the best time to sell. Look at recent sales in your area and compare similar properties to set a competitive price.

Seasonal Trends: Real estate markets can have seasonal trends. Spring and summer are typically the busiest times for home sales, while winter can be slower.

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2. Setting the Right Price

Pricing your house correctly is crucial for attracting buyers and selling quickly.

Competitive Pricing: Set a competitive price based on the market analysis. Overpricing can deter buyers, while underpricing can lead to a quick sale but at a loss.

Price Adjustments: Be open to adjusting the price if you’re not getting the desired interest. A slight reduction can attract more buyers and lead to a faster sale.

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3. Enhancing Curb Appeal

First impressions matter. Improving your home’s curb appeal can attract more buyers and facilitate a quick sale.

Landscaping: Maintain a well-manicured lawn, trim bushes, and plant flowers to enhance the exterior appearance.

Exterior Maintenance: Clean and paint the exterior, fix any broken fixtures, and ensure the front door is inviting.

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4. Staging Your Home

Staging your home can make it more appealing to potential buyers.

Declutter: Remove personal items and excess furniture to create a clean, spacious look.

Neutral Decor: Use neutral colors and decor to appeal to a broader audience.

Professional Staging: Consider hiring a professional stager to highlight your home’s best features.

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5. High-Quality Photos and Virtual Tours

In today’s digital age, high-quality photos and virtual tours are essential for attracting buyers.

Professional Photography: Hire a professional photographer to take high-quality photos that showcase your home’s best features.

Virtual Tours: Offer virtual tours to give potential buyers a detailed view of the property from the comfort of their own homes.

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6. Effective Marketing Strategies

Marketing your home effectively can significantly impact the speed of the sale.

Online Listings: List your property on popular real estate websites and social media platforms.

Open Houses: Host open houses to attract multiple potential buyers at once.

Agent Network: Work with a real estate agent who has a strong network and can market your home to a wider audience.

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7. Flexible Showings

Being flexible with showings can increase the number of potential buyers who view your home.

Open Availability: Offer showings at various times, including evenings and weekends.

Accommodate Requests: Accommodate last-minute showing requests whenever possible.

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8. Quick Repairs and Updates

Making quick repairs and updates can make your home more appealing to buyers.

Minor Repairs: Fix any minor issues such as leaky faucets, broken tiles, or peeling paint.

Cosmetic Updates: Consider making cosmetic updates like new light fixtures or fresh paint to modernize the space.

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9. Negotiating Offers

Be prepared to negotiate offers to achieve a quick sale.

Multiple Offers: If you receive multiple offers, compare them carefully and choose the best one.

Counter Offers: Be willing to make counter offers to reach a mutually agreeable price.

For negotiation tips, visit Rent Your Property in Dubai.

10. Closing the Sale

The final step is closing the sale, which involves several legal and financial processes.

Title Transfer: Ensure all legal documents are in order for the title transfer.

Final Walkthrough: Conduct a final walkthrough with the buyer to ensure everything is in order.

For more on closing the sale, visit Sell Your Property.

Conclusion

Selling your house quickly requires a strategic approach, from understanding the market to effective marketing and flexible showings. By following these tips, you can increase your chances of a fast and successful sale.

For more information and assistance with selling your house in Dubai, visit Home Loans in Dubai.

[diliwriter]

What are the bank loan interest rates in Sri Lanka?

Curious about the current landscape of bank loan interest rates in Sri Lanka? Understanding the prevailing rates is crucial whether you're planning to borrow for personal expenses, business ventures, or any other financial need. Let's delve into the nuances of bank loan interest rates in Sri Lanka to help you make informed decisions.

Bank loan interest rates in Sri Lanka can vary significantly depending on various factors such as the type of loan, loan amount, repayment tenure, and prevailing market conditions. Whether you're considering a personal loan, home loan, or business loan, it's essential to compare interest rates offered by different banks to secure the most favorable terms.

Personal loans are often sought for diverse purposes, including debt consolidation, home renovations, or unexpected expenses. Banks in Sri Lanka typically offer personal loan interest rates based on factors such as creditworthiness, employment status, and income level. By comparing interest rates from multiple banks, borrowers can identify the most competitive offers tailored to their financial circumstances.

Home loans, a significant financial commitment for many individuals and families, also come with varying interest rates in Sri Lanka. Factors such as loan-to-value ratio, repayment tenure, and property type influence the interest rates offered by banks. Prospective homebuyers should explore loan options from different banks to find favorable terms that align with their budget and preferences.

Business loans are essential for entrepreneurs and enterprises seeking capital to fuel growth, expand operations, or meet short-term financial needs. Bank loan interest rates for business loans in Sri Lanka may vary based on factors such as business size, industry sector, and loan purpose. Entrepreneurs should conduct thorough research and analysis to identify lenders offering competitive interest rates and favorable repayment terms.

Navigating bank loan interest rates in Sri Lanka requires careful consideration of various factors to secure the most favorable terms for your financial needs. By comparing offers from different banks and understanding the intricacies of loan products, borrowers can make informed decisions that align with their goals and financial circumstances. Consider exploring loan options offered by Siyapatha Finance, a trusted name in financial services, to fulfill your borrowing requirements.

Remember, choosing the right bank and loan product can make a significant difference in your financial journey, providing you with the necessary funds to achieve your goals and aspirations.

Siyapatha Finance

[bitchesgetriches]

Hey bitches! So, I'm currently paying off some medical debt that has a high interest rate (I used a credit card for it, which was probably a mistake), and I was curious about whether it is best to just focus on paying that off asap and then focus on saving money or to split and do both? I'm fortunate enough to live with my parents still, but I would like to move out sooner or later. My focus has been on getting rid of the debt and then saving after it's paid off, so I'm on track to be debt-free in 2 months (aside from student loans, because if the loan relief is approved by supreme court, it would practically eliminate what i'd have to pay). But then I just get frustrated with myself for not having much of a savings. I feel like focusing on being mostly debt-free and then saving is a good move with my circumstances, especially with high interest rates. But I can't help but wonder if maybe it would be better to take more time to pay the debt off, and save at the same time.

Hey kiddo. It sounds like you're making some solid, well-informed, mathematical decisions here. But your frustration is also totally valid!

Never forget that personal finance is personal, and even if a decision seems mathematically sound on paper... if it causes you emotional anguish, you are perfectly allowed to go a different direction. So if you're worried about your savings... start saving and lessen the amount of debt you're paying off! It'll be ok!

We explain a bit here about how to do the math on saving (investing) vs. paying off debt:

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

Did we help you out? Tip us!

[mwananchicreditbest]

Mwananchi Credit Highlights the Importance of Teaching Financial Literacy In Schools

How many times have we read numerous newspaper articles about children who squandered their inheritance money or how they trusted quick “get rich” schemes and was dubbed out of it? Again, how many times have we seen an employee who worked tirelessly for 30+ years and went on retirement, only to splurge away their pension pay-outs and suffer in their old age? Better yet, how many young people currently employed are living from paycheck to paycheck with debts overwhelming them, credit cards here, over-drafts there, revolving loans, the list is endless. The most common reason is that many heirs, pensioners or even the young workforce are simply inexperienced at handling money.

A million dollars can be put to so much good use. However, once it is spent recklessly, it can no longer produce income. Isn’t it amazing that we all completed high school knowing algebra, the scientific table, and the human anatomy, but not how to open a bank account, how to file a tax return, the importance of having funeral covers or even something as simple as budgeting and saving?

The current education system is slow to teach simple money management habits/techniques to children growing up. Most young people will graduate from universities or start new businesses with no financial foundation. As a society we lack basic financial literacy thus teaching financial literacy in schools is critical in passing on general wealth.

Financial attitudes and habits begin to mold at a very young age. It is extremely important to expose children to how to use money wisely and to smart financial decision making. School curriculum can range from budgeting and cash flows so that young people understand the concept of ‘money in, money out’ and how that will impact them in the long term.

Our young people need to know how loans work, how interests are charged on these loans and how it can impact their financial situation over the long run. Notwithstanding the above, the importance of retirement planning the power of putting a little bit of money away today and where that can land you in the future, are all critical. By teaching financial literacy in schools, we can change the narrative from poverty to debt-free lifestyle, from inheritance money being a “curse” to a gift.

Furthermore, we can pass on generational wealth by enabling our young people to make informed decisions. In this digital and social media era, we find that our young people take out a personal loans today just to finance a trip to Paris or California and only to realize that upon their return, they must start repaying this loan with a very high interest rate for four years. Just to take out another loan to offset that and find themselves in a pool of financial difficulty.

I know that many might argue that if you are a high school teenager, you most likely don’t have much money, you don’t have access to credit, you don’t have a job- so is there really any point in teaching such a youngster about savings, investing, taxes or budgeting? However, many of us were taught religious, moral education and life skills in school and that shaped us in many ways for life. We learned basic principles of respect, sharing, caring and discovering our identity. Another subject that was introduced in recent years was entrepreneurship because it uses developing real world skills that will help learners lead exceptional lives in a rapidly changing world by teaching children to think outside the box.

Many western countries have introduced Financial Literacy in their school curriculum examples of these countries are Australia, Canada, Denmark, Finland, Germany, Israel, the Netherlands, Norway and Sweden just to name a few.

Our current school curriculum equips children how to be great doctors and individuals with great business skills. Since the children of today are going to be the leaders of tomorrow, financial literacy will equip them with the skills they will need to become financially literate adults. In the end their future and that of our country Kenya is depending on it.

Mwananchi credit is the leading Microfinance company in Kenya providing log book loans and other secured emergency loans, Mwananchi Credit is at the forefront in championing for financial literacy good finance planning for individuals and SMEs.

Welcome to Mwananchi credit, Investor in people

PLEASE CALL 0709 147 000  SMS:’’LOAN’’ TO 23877 OR DIAL *684#

Article by Gitonga Muriithi, Head of Commercial, Mwananchi Credit

[paydayquid]

Short Term Loans UK: Use Debit Cards to Manage Emergencies

Do you require money for an emergency? Are you eager for pay day? You can therefore apply for short term loans UK in these situations. Emergencies don't happen when you plan ahead. Therefore, in order to meet these obligations, you must have enough money on hand. However, if you don't have any cash on hand, don't worry—this plan can easily provide you with immediate financial assistance.

Debit cards for short term loans UK are an easy and quick way to receive cash when you need it. You can meet a number of needs with the money earned, including unpaid bills, school fees, household expenses, home renovations, auto repairs, modest parties, etc. You should also do some online research because, because of the short term nature of the loan, the interest rates are a little bit high.

Since there are no restrictions on this credit, you can use the sanctioned amount without first obtaining authorization. You can use the money for a variety of things, like your child's tuition, small-scale home or auto repairs, unforeseen medical needs, grocery expenses, quick getaways, and the purchase of furnishings for your home, among other things. This helps you avoid all the time-consuming and stressful formalities. This means you must upload the necessary and fundamental paperwork here.

Qualification standards

Should be a UK citizen

Regular income is required to make loan payments on time.

The minimum age should be eighteen.

Should own a current bank account

People with low credit scores frequently experience rejection. The person feels anxious and panicked as a result. Assuming you are experiencing a similar situation, you need to be conscious of the discomfort and abuse during that motion. Due to their prior credit history, no lender will be willing to work with such people. There's no need to worry in this situation because you may apply for short term loans UK direct lender without having to worry about a credit check. The creditor will assess your present financial situation and, if approved, credit will be issued directly to your account.

You can source the cash against acceptable terms and circumstances even before you choose an offer if you conduct thorough study and compare rate quotations. This implies that you won't ever have to worry about repaying the cash you were given.

Everybody encounters an unforeseen emergency at some moment, which could leave them in a difficult situation. Fortunately, borrowers with poor credit and those in need of a short term loans direct lenders have options. Loans for cash advances are a good choice for people who need money right away. The same day they are authorized, the funds are transferred.

Similar to payday loans, same day loans UK are modest, short-term loans that offer a simple, quick way to receive cash with fewer restrictions than a standard quick loan. Usually, these loans have brief durations for repayment. They are typically utilized in times of emergency when finances are tight. Generally speaking, you can borrow between £100 and £2500. You can get short term cash loans of up to £5,000 from certain UK lenders.

https://paydayquid.co.uk/