#Loan Type

[morbius4567]

Top 5 Loan Secrets Every Borrower Needs to Know

Life would be a whole lot easier if we never had to be in debt and if, magically, we always had access to a substantial sum of money whenever we needed it. However, since the chances of never having to take a loan are slim, it’s important to know how to manage and maximize the loans we get. Here are the top 5 loan secrets every borrower needs to know. Trust me—you’ll manage your loans better once…

[loanmani]

Loans – Meaning, How They Work, Types, and Features-loanmani.com

Loans are financial transactions where one party, typically a lender such as a bank or financial institution, provides a certain amount of money to another party, known as the borrower. The borrower agrees to repay the loan amount, along with any applicable interest or fees, over a specified period of time.

Here's a breakdown of how loans generally work:

1. Application: The borrower submits a loan application to the lender, providing necessary information such as personal details, income, credit history, and the purpose of the loan.

2. Evaluation: The lender evaluates the borrower's creditworthiness by reviewing the application, checking credit scores, assessing income stability, and verifying other relevant factors. This helps them determine the borrower's ability to repay the loan.

3. Approval and Terms: If the lender approves the loan, they provide the borrower with an offer that includes the loan amount, interest rate, repayment term, and any applicable fees. The terms may vary depending on the type of loan and the borrower's creditworthiness.

4. Disbursement: Once the borrower accepts the loan offer, the lender disburses the funds. This can be in the form of a lump sum payment or a line of credit.

5. Repayment: The borrower is responsible for repaying the loan according to the agreed-upon terms. This typically involves making regular installment payments, which include both principal and interest, until the loan is fully repaid.

Types of Loans:

1. Personal Loans: These loans are usually unsecured and can be used for various purposes, such as debt consolidation, home improvements, or medical expenses.

2. Mortgage Loans: These loans are used to finance the purchase of a property. They are secured by the property itself, which serves as collateral.

3. Auto Loans: These loans are used to purchase a vehicle. The vehicle serves as collateral, and failure to repay the loan may result in repossession.

4. Student Loans: Designed for educational expenses, these loans may have lower interest rates and flexible repayment options. They can be issued by the government or private lenders.

5. Business Loans: Intended for business purposes, these loans help finance operations, expansion, equipment purchase, or working capital. They can be secured or unsecured, depending on the lender's requirements.

Loan Features:

1. Interest Rate: Lenders charge interest on loans, which is a percentage of the loan amount. It represents the cost of borrowing and varies based on factors like creditworthiness, loan type, and market conditions.

2. Repayment Term: This refers to the period within which the borrower must repay the loan. It can range from a few months to several years, depending on the loan type.

3. Collateral: Some loans, like mortgages or auto loans, require collateral. Collateral serves as security for the lender in case the borrower defaults. If the borrower fails to repay the loan, the lender can seize the collateral.

4. Fees: Lenders may charge various fees, such as origination fees, application fees, or prepayment penalties. These fees can impact the overall cost of the loan.

5. Credit Requirements: Lenders assess the borrower's creditworthiness to determine eligibility and loan terms. A higher credit score and a good credit history can result in more favorable terms.

It's important to note that loan terms and features can vary between lenders and countries. Therefore, it's advisable to carefully review and compare offers from different lenders before committing to a loan. Additionally, borrowers should ensure they can comfortably manage the repayment obligations before taking on a loan.

[ya-boi-joule]

bros being dudes

(some low effort bonus doodles below the cut)

now ain't it cute that they match

and because the joker out boys speaking finnish is so silly to me (@arctixout en tiiä tiiätsä ees mua mut tää on sulle kiitos meemuista)

K: Hey Bojan will you come look at this

B: Yea

K: What do you think of this

B: lol sry it's pretty shit

K: bruh

[sforzesco]

how long do you typically spend drawing a comic page? I'm a perfectionist and I have a hard time keeping a reasonable working pace for comics

so I’m actually going to not answer this one (the answer is both less and more time than people think, and it depends) but instead I’m going to give you some advice on how to deal with perfectionism when it comes to making comics

the first thing is to see if you can kill your inner perfectionist, which basically means, can you get comfortable with imperfections? this is something that can be difficult to do, but it can also really take some weight off your shoulders if you can look at a line that’s a little squiggly instead of perfectly smooth and move on from it. there’s a whole page, a single wonky line, is like. fine, especially if you’re doing more than one page.

if not, that’s okay! we’re moving on to the 75%-80% rule, which is: figure out what giving 100% in art looks like for you, then find out what giving 70%-80% looks like. As a person, you can probably consistently give 80% to any given illustration, but doing 100% all the time is going to fuck you up in the long run. If you can get comfortable consistently giving a 80%, you can then decide when you want to crank it up for dramatic effect, or you can save going all in on something fun or a big project. if perfectionism is a hard habit to break, instead try it reframe it as giving a ‘perfect’ 80% instead of 100. it’s all about that overall visual consistency, baby!

comics can feel like doing seven or eight individual illustrations on a page (panels) and some people definitely tackle them this way, and that makes learning what you can consistently give without wanting to shove your hands into cement very important. If every panel is a solid 80%, the entire page looks Good (which means the entire page is working at 100% because you have visual consistency/coherency and that’s what matters)

ideally, you reach a point where you can gauge what a good 80% of what you can give looks like across an entire sequence. for me, Trikaranos is operating at 80% while Ex Voto is 70% (part of it is that Trikaranos is more demanding, while Ex Voto is more casual and vibes based, but for both I put a lot more work into formatting and lettering)

part of what can help with all of this is figuring out a good work pipeline that encourages finishing up a sequence to keep you from getting stuck agonizing on small details

a decent one is this

thumbnails > rough pencils > do tight pencils where you think you’ll need it (I do tight pencils on facial expressions, furniture if there are bodies on it, and perspective shots) > inks > colors > lettering

adjust it based on whatever your own needs are, etc.

what’s imperative to this is that you don’t do the pencils > inks > coloring stages in sequential order, but instead jump around so that you don’t burn your energy through it (in that there’s a drop in quality as you either get tired or start to rush). Jumping around lets you spread out your high energy points and it picks up the slack for when you want to just get it done, but also it forcibly keeps you from spending too much time on one specific thing. (which is why breaking it up into stages is important, instead something like finishing one whole page from pencils to colors and then doing the next one)

when I do single page comics, I usually alternate every other panel, when I do multi page comics, I’ll either alternate entire pages or I’ll do the first and last pages at the start, and then jump around the middle in whatever order I feel like.

whenever I find myself spending too much time on something, I will set a playlist that has either a 15 minute or half hour run time, and when I reach the last song, if I’m still fucking around focusing on one thing, I’ll make myself move in and return to it later. I do this the most with the inking stage so that I don’t over ink something (I find crosshatching relaxing, but it doesn’t often look good because I do too much in one place and it looks bad because it doesn’t work with the rest of the panels and then I have to start over), and then I can go back to a panel with fresh eyes later and decide whether or not more detail is necessary for the whole page to look good, or if it’s fine as is.

and ofc, the most important guideline of all: the Fuck It, We’re Done rule, which is at some point, you may look at a page and go ‘I don’t want to work on this any more, I’m tired, it’s not fun, I’ll be stuck here forever, etc’ and that’s when you put your pencil down, physically move back from the page, and figure out what the bare minimum amount of work you need to do in order for the whole page to be coherent is, do JUST THAT, and post it.

at the end of the day, it’s the whole page that’s important, not all the individual details, so try not to focus on too many small details early on, but instead go back and add them in closer to the end. You can clean up any line art mistakes that are bothering you here at this stage too.

finally, don’t zoom in too close on a digital canvas, especially if you’re doing pencils. there’s no reason for a reader to zoom in close like that unless you specifically want them too, spare your hands the agony of tiny details that won’t be seen when you upload it at viewer resolutions. I know artists who won’t go past 150% because those details won’t show up at print resolutions.

HEUGHGHHH this is so so long, but hopefully there is some helpful advice in there for you, anon

[realasslesbian]

I just had to share this email I got so all y'all can appreciate the absolute state of welfare services in Australia with me:

The NILs Loan Scheme is a government funded, no interest loan scheme for people on low incomes, but this leaves me wondering exactly who tf can qualify for their loans. Because it seems like if you have any symptoms of poverty it's a no.

I applied because I need the clutch replaced in my van, which I live in. It's lucky that I actually CAN afford the cost myself (due to living in a van & not participating in Australia's increasingly ridiculous housing market). I thankfully can afford such an expense these days & was just looking for a responsible financial buffer, just in case. But if this had happened to me a few years ago when I first became homeless and was far less financially stable, then my next living situation wouldn't be "affordable housing" it would be a fucking tent.

Anyway, the backwards ass state of a GOVERNMENT FUNDED welfare scheme refusing to assist those who need welfare the most because they don't want to encourage homelessness or whatever the dumb fuck? Just really rustled my jimmies tbh. Just screams "yet another govt welfare scheme that's actually just about handing out money to fake charities & not helping the poor". Good Shephard just got on the "do not donate to these grifters" list along with the Salvos😒

[rotpretty]

I wanted to be a psychiatrist that specialized in trans and queer care in general, I got into the majors I needed and was picking my minors and everything. My life is not to envy, me being a NEET or a bedrotter is not a good thing. I could have helped so many people, I would have been one of the only trans-caring psychs in my whole country. But I can't do it, I failed myself and my people I am ashamed of myself.

[lunarlegend]

i think i accidentally got someone in trouble in real life and i feel sort of bad about it

[antihibikase-archive]

Pokemon Blight / Blur - Nuvema Gang Character Sheets

Aspertia Trio here.

A group of friends who, two years ago, journeyed the Unova region together; however, an undisclosed incident at the Pokemon League has changed their lives forever. In the absence of their Hero of Truth, they have decided to seek their own paths.

Hilbert Blackburn - An earnest youth from Nuvema Town, and Unova's Hero of Truth. His current whereabouts are unknown, as he's fled the region with Reshiram. Not many people, besides his secretive friends, seem to know the real him- outside of the fact he was very honest about his feelings.

Cheren Slater - Aspertia City's new gym leader, and the trainer school's teacher. He holds the truth to Hilbert's disappearance and what happened at the league that day, but refuses to share. The traveling companion and mentor of the Aspertia Trio.

Bianca Alabaster - Assistant to Professor Juniper and Fennel, and a protege of Lenora and Shauntal. She has a lot on her plate, particularly with investigating the legends of the dragons and exploration of the dreamworld. She has a keen eye for seeing the truth beneath the surface.

Hilda Weiss - A battle prodigy of Nimbasa City and the Battle Subway's most beloved regular, who had started her journey four years prior to the other three; as a result, she's the most experienced, and is considered an Ace Trainer. Somewhat cynical and grounded, but holds all her friends close to her heart.

[crj-200]

dont tell your parents you want to move out and be independent because then they'll say shit like "but you're always going to have a roommate so why bother trying to live on your own" and "im sorry you hate us so much that you want to move out" and "you could just be independent living here if youd do what we tell you to do" and imply that anyone that agrees with me is an idiot who just hates them for no reason. the cool thing is theyll say this and then go watch their stupid comedy right after like nothing happened

[jaeducs]

i love jaijin

[science-lings]

Sometimes you gotta just take the most gender conforming boring blorbo and shoot the transgender beam at them for no other reason than that it’s fun to do so

[spiritualityloves247]

Weren't allowed stuffies.

Mom called the psych unit AHEAD of time

[calkale]

very stressed for tomorrow everyone pray i dont have another stress nightmare idk if i can take it

[derelictheretic]

Sorry if I'm late to replying to dm's or forgetting to reply btw we just got approved for a new place so we've started packing !!

[vimesbootstheory]

"I have completed the initial review of your business plan and cash flow and overall, you've done a great job putting everything together! Often we have recommendations and changes to help strengthen one's application, however, I don't see any significant gaps in what you've presented."

this is great. I'm going to get a good grade in applying for a business loan, something that is both normal to want and possible to achieve.

[partialbirthabortion]

New level of polish unlocked: able to read vaguely homophobic comment threads on reddit without additional help