#Loan options for housewives

[fincrif]

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

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

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

1. Can Housewives Get a Personal Loan?

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

2. Best Loan Options for Housewives

Unsecured Personal Loan with a Co-Applicant

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

Secured Personal Loan Against Gold or Fixed Deposit

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

Government Schemes for Women Entrepreneurs

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

3. Eligibility Criteria for Housewives Applying for a Loan

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

4. Documents Required for a Personal Loan for Housewives

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

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

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

6. Tips to Improve Loan Approval Chances for Housewives

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

7. Best Personal Loan Providers for Housewives

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

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

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

Bajaj Finserv Personal Loan – High loan amounts with flexible tenure

Tata Capital Personal Loan – Easy eligibility for secured loans

Axis Finance Personal Loan – Best for self-employed housewives

InCred Personal Loan – Instant loan approvals for women

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

Empowering Housewives with Personal Loans

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

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

🔗 Apply for a Personal Loan Today:

Explore Personal Loans

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

[rosamunguia]

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

[lxme01]

Why Personal Loans Are Important for Housewives

1. Financial Independence

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

2. Managing Household Expenses

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

3. Emergency Situations

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

4. Pursuing Personal Aspirations

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

Benefits of Personal Loans for Housewives

1. Easy Accessibility

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

2. Flexible Terms and Conditions

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

3. No Collateral Required

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

4. Improving Credit Score

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

Tips for Obtaining a Personal Loan

1. Check Eligibility Criteria

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

2. Compare Loan Offers

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

3. Maintain a Good Credit Score

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

4. Prepare Required Documents

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

5. Consider Joint Applications

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

Conclusion

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

[familyraksha]

Introduction

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

Understanding Term Insurance

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

Challenges Faced by Housewives

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

Importance of Financial Protection

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

Tailored Solutions for Housewives

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

Features of Tailored Term Plans

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

How to Choose the Right Plan

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

Application Process

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

Premium Calculation

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

[investment-insider]

The Importance of Term Plans for Housewives

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

Why Should Housewives Purchase a Term Plan?

Reduced Premium Prices:

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

Investment and Savings:

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

Funds for Important Future Events:

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

Joint Life Cover:

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

Additional Benefits:

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

Advantages of a Term Plan for Housewives:

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

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

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

How to Choose the Best Term Insurance for a Housewife?

Check the Adequate Coverage:

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

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

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

Conclusion:

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

[alvinajennifer]

Empowering Financial Independence of Housewives

Being a housewife is a full-time job that comes with its own set of responsibilities. While many housewives focus on managing their homes and families, some may wish to pursue personal goals or contribute to the family income. Fortunately, there are options available for housewives to access financial support. In this article, we will discuss loans for housewives and how they can empower…

[montdigital1]

Tiffin service | tiffin service near me

Tiffin Service - A Profitable Business Idea?

Tiffin service is a great way to monetize your cooking skills. It is also a profitable business idea, assuming you have a loyal client base.

Customers value hygienic, homemade food and are willing to spend money on it. They are also willing to stick with one tiffin service if it is reliable.

Cost-effectiveness

Tiffin service is a great way to earn money and help others with their day-to-day cooking needs. It also gives housewives a chance to work from home and make extra income. These businesses follow hygienic standards to ensure that their food is delicious and healthy. They also avoid using any additives to maintain the quality of their food.

A tiffin business can be very profitable, but it requires an initial investment in equipment and supplies. It is also important to keep track of your expenses and income so that you can determine how much profit you are making. In addition, it is a good idea to reinvest a portion of your profits back into your business.

Most people who choose tiffin services are single professionals who want to enjoy the cost-effective and healthy benefits of home-cooked meals. To be successful, you must have a menu that satisfies the tastes of your target market and offers competitive prices. You should also offer a delivery service that is convenient for customers.

Hygiene

In today’s world, hygiene is a crucial factor when it comes to tiffin service. Regular pest control, using gloves when packing and cooking, and sterilizing kitchenware are all ways to ensure that your food is safe for consumption. Additionally, anyone who handles the food must take their temperature regularly and wash their hands thoroughly with soap and sanitizer.

Moreover, you should get your business insured to protect it in the event of any mishaps. Contact your local insurance provider to explore the different coverage options available to you. You may also be eligible for a micro-loan to start your business, which can be a great way to get the funds you need without having to pay interest.

Tiffin services are becoming increasingly popular among people who work in various corporate fields and are unable to cook at home. They are also a good option for students and bachelors who live in PGs. These meals are freshly prepared, healthy, and delicious.

Time-saving

A tiffin service is an excellent way to save time and money. It eliminates the need to buy groceries and spend hours preparing meals. This service also provides a variety of foods and allows you to try new dishes.

Those who are on a diet will love this type of food, which helps maintain their health. It is also a good option for people who live away from home for work or school. This business model can be a great option for women entrepreneurs, who want to provide healthy, affordable meals to busy people.

To start your Tiffin service, you need to invest in quality ingredients and find a delivery system that will be reliable. You can use a tool like Google My Business to promote your business and attract customers. It will show your business to everyone who searches for it in your area. It will also allow you to respond to customer reviews and showcase offers.

Reliability

Tiffin services are a great option for people who want to enjoy fresh, healthy meals without spending a lot of money. They can offer a variety of options for breakfast, lunch, and dinner, and can be delivered at a time that is convenient for the customer. Many tiffin services also follow sanitary standards, which can make them more appealing to consumers.

A reliable tiffin service will have a strong delivery management system that includes features like high-precision route mapping, geo-analytics tools, and efficient integrations. This can help ensure that food is delivered on time and that customers are satisfied with their orders.

In addition to reliability, a good tiffin service will provide quality food and excellent customer service. You can find a wide range of tiffin services online, so it’s important to do your research before choosing one. Look for recommendations from friends and family, and read reviews to find the best options for your needs.

[master-sass-blast]

Of First Dates and Not So First Kisses.

5 AM editing...

I am so good at adulting.

The latest piece from my hyperfixation hole: You and Piotr Rasputin go on your first date together.

(Set after the fic “Myska” and before (well, partially before) “Dig the Needle In,” both of which you can find on my Tumblr and on Archive of Our Own.)

Warnings: None. Except maybe strong language. Other than that, it’s just pure fluff.

Rating: T. Because Wade.

Pairings: Piotr Rasputin x Reader and vaguely implied Wade Wilson x Nathan Summers.

“No! I refuse to accept this!”

You roll your eyes as Wade flails around dramatically. “Wade, unless your real mutation is bending reality and the subjects therein to your will, you have to accept it.”

“This is art! Art!”

“No, this--” You point at the TV screen, which is currently playing a rerun of Desperate Housewives “--is garbage. Hot, shitty, nasty garbage.”

“Okay, apparently my efforts to reverse your parents’ brainwashing haven’t been as effective as I thought, because there’s no way any sane person in total control of their faculties would say something like that!”

You roll your eyes. Again. “No, Wade, I’m just not stupid enough to believe that daytime drama TV is entertaining.” Before your best friend can start in on another tirade, you add, “And, I mean, come on. If there’s anyone you should be showing this, it’s Cable. They don’t even have TV in the future, Wade. I at least got to experience it for a couple years before my dad got rid of our television set. Point stands, Cable’s situation is far more dire than mine.”

Wade perks up, and it’s obvious from the look on his face that he’s actually buying in to your distraction.

“Besides,” You continue, laying on the persuasion extra thick. “What an excellent opportunity! The two of you, on the couch, watching TV together; it’s practically a quasi-date!”

Wade falters. “Yeah, because everyone’s just lining up to date this face,” he grumbles bitterly.

“Fine.” You switch tactics like the master con artist you are. “Don’t think of it as a date. Just think of it as an opportunity to fill his brain with tons of bullshit about this century while tormenting him with shitty reality drama.”

That does it --because if there’s one thing that motivates Wade more than his Texas-sized crush on Nathan Summers, it’s an opportunity to be an unrepentant asshole. He bounds off to the kitchen --where Nathan is conveniently in the middle of making a sandwich--and loops his arms around the older man’s neck while gushing about ‘quality time’ and ‘historical education.’

You take the opportunity to make your escape --blowing a kiss at Cable when he glares at you, though it’s worth noting that he’s letting Wade lead him to the rec room without too much complaining--and head off in search of your boyfriend, Piotr.

He isn’t in his room, nor is he in the training room. It’s Saturday, so he’s not teaching, and he isn’t grading or lesson planning in one of his classrooms.

A smile lights up your face when you realize where he must be, and you scamper off towards one of the unfinished expansion wings on the mansion.

One of the ongoing goals at Xavier’s is that of expansion --taking in more mutants, reaching more people with the truth about mutants, extending their reach to an international level so they could help mutants around the world... the list goes on and on, but the immediate effects of that mission often manifest in upgrading the mansion or other X-Men facilities.

You walk through the unfinished wing, taking time to relish the unfiltered sunlight and the natural, homey feeling of the space.

The wing, once done, is supposed to serve as extra classrooms for the ever growing group of mutant students and kids that lived at the mansion. However, at your loving badgering, Piotr had asked for an art studio.

It was multi-purposed, he insisted. He could use it for himself, yes, but he also could use it for his students. At any rate, the studio was approved.

Now, he uses it mostly as his personal, private get away whenever the mansion gets too chaotic --one that, according to him, you’re welcome in any time as long as you don’t bring Wade.

You walk up to one of the few doors on its hinges --lovingly painted and decorated with the hand prints of Piotr’s art students--and poke your head into the room.

He’s sitting in an overstuffed arm chair positioned by one of the windows, sketchbook in his lap and face tense with concentration. He looks up when you close the door behind you, and absolutely beams at the sight of you. “Privet, myshka.”

You grin back, unable to resist his infectious happiness. “Hey, big guy.” Your heart hammers in your chest as you walk over to his chair and press a kiss against his lips. It’s only been a few weeks since the two of you decided to get together, and you’re still swept away with giddy energy every time you get to do something remotely couple-y with him.

He smiles up at you, cheeks flushed and face glowing with bashful exhilaration, when you break the kiss. “Is there any particular reason why you’re here?”

“Actually, yeah. I had to escape Wade; he was trying to make me watch garbage TV again.” You sit down on the armrest of the chair and grin at him. “I managed to sic him onto Cable, though. With any luck, he won’t even notice I’m gone.”

Piotr lets out a breathy laugh. “That was devious of you, myshka. I’m not sure Cable deserved that.”

“Hey, he’s just as capable of punching Wade in the face and walking away as anyone else is. If I didn’t know better, I’d say he actually likes spending time with him.”

Your boyfriend simply shakes his head --he’s still smiling though, which means he finds your antics amusing rather than disapproval-worthy--and curls one of his massive hands around one of your considerably smaller ones. “Well, at any rate, I am glad you are here. I wanted to talk to you about something --it actually connects to ‘escapes,’ ironically enough.”

You cock your head to the side, beyond intrigued about whatever’s going to come out of his mouth next. “What’s up, big guy?”

He gazes down at your intertwined hands for a moment, gently running the pad of his thumb over the back of your hand. “I would... I would like to take you on date. Sometime this week.”

“...Really? You want to take me on a date?”

“Da. I want to spend time with you... without others interrupting.”

Well, you’ll be fucked if you’re going to argue with that. You say as much --grinning impishly when Piotr gives you the ‘language’ look--and lean in and kiss him on the cheek. “So, where are you gonna take me, handsome?”

“That is what I wanted to ask you about. I am... not sure where we should go --and you should have a say, too, since this is your first ever date.”

You swing your legs back and forth, heels knocking against the side of the chair as you consider your options. “I trust your instincts, Pete. I don’t think you could pick something that I wouldn’t like, considering that the main thing I want to do is spend time with you.” You can tell that the open-ended-ness of your answer makes him nervous, so you add in a few stipulations for his sake. “I guess... nothing to fancy or upscale. We could do that down the road, if you want, but I kind of just want to hang out and have a good time with you. And I’d rather not do anything at night, I guess. I’d just feel better if we were back here around dinner time.”

He nods --you know he’s taking all this seriously, it is him after all--and squeezes your hand. “Of course, dorogaya moya. Whatever makes you comfortable. Perhaps... lunch date on Wednesday? I can show you some of parks and shops nearby?”

You grin, warm and unbelievably happy. “That sounds perfect.”

The rest of the remaining time until Wednesday is spent trying to nail down the perfect date outfit. You have a several hour consultation with Neena, Yukio, and Ellie --and Wade, because he refuses to be left out of anything--a couple days before the big event to decide what constitutes a good ‘daytime, causal but not too casual lunch date that also includes walking around together.’

Wade got as far as recommending his ‘hooker heels’ as your shoes of choice --Ellie smacked him across the back of the head for that--before Neena kicked him out and took over like the wonderful big sister figure she was.

In the end, the four of you had settled on a soft black t-shirt with a faded Guns’n’Roses logo on the front, a camouflage skirt that fell mid-thigh, a denim vest to go over the shirt, and a pair of low-rise black Converse (considerately loaned to you by Ellie).

You stand in front of your bathroom mirror, carefully tying a red bandanna around your head to act as a headband. Once you’re satisfied with its position, you check over your make up (natural, at Ellie’s suggestion).

You're unexpectedly nervous. You know Piotr’s not going to judge you --or dismiss you--for how you choose to dress, but you really want him to find you pretty. You’re fiddling with your hair when the sound of someone clearing their throat at you catches your attention.

Ellie’s standing in your bedroom, watching you with her usual stoic expression. “He’s ready for you.”

You nod, and let out a nervous huff. “Okay. Show time.”

“Relax. You look fine.” The corner of her mouth turns up in the barest hint of a smile. “Have fun.”

You flash her a thankful smile before you dart out of your room, snatching up your purse as you go. You hurry down the stairs and practically skip out the front door, any nervousness you might have felt far outweighed by the excitement running through your veins.

Piotr’s out on the front drive, leaning against a sleek black car that oozes power and ‘I’m more expensive than your college payments.’ He’s dressed in jeans, nice sneakers, and a light-blue short sleeved button down shirt that he’s tucked into his pants. He smiles, soft and warm, when you dash towards him. “You look nice, myshka.”

“Thanks,” You say, a little breathless from your mad run out of the mansion. “Shall we go?”

He nods, bends to kiss your forehead, and opens your door like the consummate gentleman that he is. Once you’re safely tucked inside, he closes the door and walks over to the driver’s side. “I thought,” he says as he buckles himself in, “we could start by walking through one of the parks.”

You grin and can’t help but shiver a little as the car rumbles to life. “Sounds awesome.”

He drives to a quaint town a little over half an hour away from the mansion. Piotr parks by a lush, quiet park at the edge of the town and immediately gets out of the car to get your door for you.

You smile as you step out and breath in the fresh summer air. The park is filled with different bushes, trees, and outcroppings of flowers. You can hear a stream gurgling nearby, and birds chirp overhead. “This is perfect, Piotr. It’s so beautiful here.”

“This is one of my favorite places to come and draw when mansion is too chaotic. Close enough to be safe, but far enough to, ah, avoid Wade.”

“He’s not all bad.”

“Nyet. But he is... trying.”

You giggle up at him and latch on to his hand. “Yeah, I know what you mean.”

The two of you amble through the park, not in any particular hurry to get anywhere. You’re happy to take your time, thoroughly relishing the way Piotr’s fingers sit so naturally between yours, how warm his hand is, the way his voice rumbles as the two of you talk, the soft, bashful smiles he keeps favoring you with whenever you look up at him...

It’s heaven, pure and simple.

“I can see why you like it here,” You say after a stretch of comfortable silence. “It’s peaceful. And gorgeous. What do you draw when you come here?”

“Landscapes, mostly, though I have started to sketch passersby as well.” He ducks his head and lets out a self-depreciating chuckle. “I am... not that talented with faces.”

“I’ve seen your sketch book, which leads me to believe that you’re probably selling yourself short.”

He shrugs and smiles at you. “Who can say? Art is subjective, after all.”

Eventually, you reach the end of the park and step into a stylish downtown area that boasts several locally owned shops and cafes. You meander down the streets with Piotr, stopping every so often to gaze through one of the windows or step inside and check out one of the stores. Your stomach starts gurgling after a while, to which Piotr chuckles and suggests that the two of you find some lunch.

You let him lead you down the street and into a sandwich shop, a mom and pop sort of a place. A college aged waitress with her hair pulled back into a ponytail greets the two of you with a sunny smile --though it’s largely directed at Piotr.

Not that you blame her, necessarily. Be honest. Who wouldn’t?

“I haven’t seen you here in a while,” she says as she picks up a couple menus. “I was wondering if you’d forgotten all about us.”

“Work was... hectic for a bit,” Piotr replies, tacitly side-stepping the fact that he’s a superhero and that his ‘work’ was babysitting a homicidal maniac.

“Story of my life. Who’s your friend? I don’t think I’ve seen her here before.”

“This is my girlfriend,” Piotr introduces you with a smile that absolutely glows. “I wanted to bring her here for our first date.”

The waitress’s sunny smile dims slightly, but she’s still polite. “Well, congratulations! I’ll make sure I sit you two somewhere a little more private so that you aren’t bothered by the noise or other patrons.”

You end up sitting at a table for two that’s by the front of the shop, out of the way of the incoming traffic. It’s well-lit, positioned by one of the store front windows, and provides an excellent view of the charming street outside. Your waitress takes your drink orders and leaves you with the menus, promising to return in a couple moments.

You peruse the menu at a leisurely pace, lulled into a temporary glowing calm by your time spent basking in his unfiltered affection. Fortunately, you know what you’re doing --the first time Wade took you off the mansion grounds you hadn’t had the foggiest idea of how to even order a meal for yourself. He’d taken it upon himself to catch you up on all the skills necessary to survive in the real world; as far as you’re concerned, it’s worked.

After a few minutes of studying, however, you come to the determination that you really don’t know what to order. None of the staples Wade’s introduced you to are on the menu, and --while everything looks good--you don’t know what to pick. You reach across the table and put your hand on Piotr’s. “Whats good here?”

“Everything. I usually order the grilled chicken and vegetable sandwich.”

You can’t help but grin. “Of course. Always the nutritionist.”

“It’s important to be healthy.”

“It is, it is. I’m not sure I’m feeling that virtuous, though.” You feel a flash of satisfaction at the way the tips of his ears turn red and return your focus to the menu in your hands. “The pulled-pork sandwich looks pretty good. I think I’ll go with that.”

Your waitress reappears a few moments later to take your orders --a grilled chicken and veggie sandwich with a fresh fruit side for him and a pulled pork sandwich and fries for you. She takes the menus and disappears into the kitchen, leaving the two of you alone.

Piotr takes your hands in his, rubbing the pads of his thumbs over your knuckles. “You look adorable today, myshka.”

You duck your head, smiling bashfully. “Thanks. You’re looking good as well --though that’s nothing out of the ordinary.”

His cheeks flush to a lovely rosy color. “Are you enjoying this?”

“Yeah. I really am. This has been really great; it’s nice that we don’t have to worry about Wade ambushing us.”

“Da.” He hesitates --his cheeks flush darker, which looks surprisingly good on him--then gives you a shy, hopeful look. “I want... to do more of this. A lot more.”

A rush of exhilaration runs through you, and you can’t help your excited smile. “Are you saying you want this --us--to be long term?”

“Da. I do.”

“I like the sound of that. I really, really like the sound of that.”

His returning smile is soft and pleased beyond all compare.

Lunch passes quickly --too quickly for your taste. It’s largely dominated by conversation, with occasional comfortable pauses. The two of you talk about your hopes and dreams, your opinions about the world around you, what you want for your futures...

It’s nice. You can’t remember the last time you were able to just spend time with him like this and be.

Whenever the conversation lulls for too long, you ask him to tell you about Russia. He obliges, happily, telling you about the farm he grew up on, his parents, and his sister.

Eventually, he’s covering the bill --upon his insistence, because he can’t not be a gentleman--and you realize that lunch is done and that your date time is quickly coming to a close. As you leave the restaurant, you beg him to show around the town for just a little longer --and he obliges you with literally no resistance whatsoever.

It’s sweet, and you love him for it, but you also have the distinct sense that he’s going to end up creating a bit of a monster out of you.

Towards the end of your stroll around the town, your attention’s snatched away by the distinct, sweet smell of sugar and chocolate. You whip your head around, searching for the source of the heavenly scent, and spy a small confections shop on the opposite corner. “There’s a candy store!” You swoon dramatically, leaning against Piotr as you press your hand against your forehead. “Suddenly, I feel faint! I think it can only be remedied by mass quantities of sugar and chocolate!”

He chuckles as he nudges you upright. “Would you like to go get something?”

“Yes... or, as you would say, da.”

He escorts you across the seat, looking both ways before the two of you cross --because safety, and, to be fair, you probably wouldn’t have if he wasn’t here. He gets the door for you --again, gentleman--and ushers you inside as a bell dings above your heads.

The inside of the shop is light, airy, and decorated in pastels. The far wall is lined with shelves of containers filled with novelty candies --gummy worms, jelly beans, taffies, and the like. Tables loaded with different pastries and treats dot the shop floor. The counter boasts an extensive display case holding dozens of different chocolate treats --and an ice cream cooler, which looks seriously tempting.

A middle aged woman dressed in a mint green polo and a black apron smiles at the two of you. “Hi! What brings you in?”

“My girlfriend wanted to check the shop out,” Piotr says with a smile.

“It was a matter of life and death, Piotr,” You insist cheekily. “I could’ve fainted! Or died!”

The woman chuckles. “Well, we’ve got a great selection of chocolates, candies, and pastries, along with our ice cream that we make in store. My name’s Melody; let me know if I can help you with anything.”

Piotr thanks Melody, but you’re already eyeing your options. You squeeze his hand to get his attention. “Can I get one of everything?”

“Uh, no,” he says with a laugh. “I didn’t bring that much cash with me.”

“I was kidding... mostly.”

The two of you amble around the shop --you because you’re taking your time to seriously evaluate your choices, Piotr because he’s content to follow you and finds your depth of concentration amusing.

Eventually, you decide that you want chocolate and you skip over to the display case.

It doesn’t do much to simplify your decision making process. There have to be at least fifty different types of chocolates in the case.

You smile at Melody. “So, what’s good?”

“Well, the obvious answer is ‘everything,’ but it really depends on your tastes. What do you normally like? Are you a purist, do you like a little crunch, are you a fan of chocolate a fruit combos...”

Your cheery smile dims slightly. Despite his best efforts, this was one area of food Wade hadn’t thoroughly indoctrinated you in. You honestly have no idea what you ought to like, but this seems like something that any normal person would have opinions on. “Uh... I don’t know, actually.” At Melody’s politely confused look, you ad-lib a little lie. “My parents were, uh, health nuts. They didn’t let me have chocolate growing up.”

“Gotcha,” Melody says. “Well, in that case, I’d recommend a covered fruit option; they’re not as rich as some of our other options, so you’re less likely to feel sick after eating ‘em.”

Piotr’s hand comes to rest on the small of your back as she goes through the options --a small but reassuring pressure; he knows how much talking about your parents bothers you. He kisses the top of your head and wraps his arm around your shoulders when you lean against him.

“So, do any of those strike your fancy?”

“Uh...” You peer at the trays of chocolate covered fruits. “I’d like to try... the chocolate covered strawberries.”

“Excellent. It’s one for $3.75 or four for $5.00.”

You smile up at Piotr. “Can I get four?”

“Da,” he murmurs as he kisses your temple. After a little good-natured pestering from you, he also asks for some fudge for himself.

You give him a mock --well, partially mock--incredulous look as Melody packages your orders. “Fudge? I would’ve thought you would’ve gone for something healthy, like the fruit.” You puff out your chest and drop your voice as deep as it will go in a fairly horrible impression of him. “Nutrition is important. Pizza is not breakfast food. Cheetos are not food in general.”

“It is guilty pleasure,” Piotr laughs as he pays for your treats. “And I don’t care what you say, moya lyubov’. Cheetos cannot be food; they don’t even taste like cheese!”

“That’s not the point! The point is that they are crunchy and delicious!”

Piotr simply shakes his head, still smiling, and takes your hand as you leave the shop.

The two of you settle on a bench in the park you started your date in to eat your treats. Piotr hands you your box of chocolate covered strawberries --tied shut with a cute gold ribbon--and a napkin before setting his small box of fudge --and a napkin--in his lap.

You open your box and carefully pick up one of the berries. You study it for a moment, shrug, and bite in.

The chocolate casing shatters.

You let out a squeak and lift your hand up to catch the pieces of runaway chocolate. “Is that supposed to happen?”

“Da.”

It takes a little fumbling, but you manage to stick most of the shards back to the strawberry. You carefully finish your first berry, trying to hold it ‘just so’ so that you don’t drop more chocolate on your skirt.

It’s delicious. Insanely so.

You let out a delighted moan as you start in to your next strawberry. “Where has this been my whole life?”

Piotr smiles as he watches you. “I take it you like them?”

“Oh, hell yeah. This is amazing. I’m going to punch Wade for not introducing these to me.” You take a moment to wipe your fingers on your napkin, then eye his box of fudge. “Mind if I try a bite of yours?”

“Sure.”

You take the chunk of fudge he offers you and --without much thought or consideration--pop the entire piece into your mouth.

A mistake --relatively speaking.

“Oh god,” you mumble around the fudge. “It’s so sweet.”

“That’s why I don’t get it too often.”

“Holy shit. I can actually feel the cavities forming.” You hold out one of your strawberries to him. “Do you want one?”

“No, but thank you, dorogaya moya.”

“Okay. Your loss.”

The two of you finish your treats in relative silence. Well, you finish your strawberries, devouring them with the voracity of a starved velociraptor. Piotr eats maybe a quarter of his fudge, then neatly closes the box and tucks it back in the bag ‘for later,’ like a responsible person would.

He’s such a dad type, and you absolutely adore him for it.

“Do have anything on my face?” You ask as you pat around your mouth with the napkin.

“I think you’re good.” He stand and holds his hand out to you. “We should probably go.”

“Yeah --just hang on a minute.” You hop to your feet, pop up onto your tiptoes, and tug him down by his shirt to give him a kiss.

It’s undeniably perfect. His hands settle at your waist, pulling you in slightly. His lips are soft and warm --and taste a little like fudge, which is excellent. Stack that with the overall glow you’re feeling from the date, and it’s the best damn kiss you’ve ever had.

 “I love you,” you murmur when the two of you part. “I really don’t want this to end.”

“I love you too, myshka. But we should probably go.”

“I know,” You groan. “I’ve just really enjoyed today.”

He practically beams down at you. “I’m glad. I had good time as well.”

You bump your head against his chest. “I want to come here again. I really like it out here.”

“We can do that. Whenever you want.”

“Awesome.” You wrap your arms around his massive waist in a hug and let out a happy sigh when he reciprocates. “But, yeah, we should head back. If we stay out any longer, Wade’s gonna take it a sign to set something on fire.”

Piotr stiffens in your arms at and mutters something under his breath in Russian. “Da. Not that I don’t love this --don’t love being here with you--but... da. We should make sure Wade doesn’t burn down house.”

You giggle and take his hand as he heads back to the car.

The drive back to the mansion is too short for your tastes --not from him speeding, because Piotr would never, but just from being engrossed in conversation with him and just being captivated by him in general.

Your heart aches slightly as the mansion comes into sight, officially marking the end of your date.

“I can drop you off at door,” Piotr offers as he pulls up the drive.

“And miss out on the precious minutes of walk time from the garage to the mansion? I think not.”

“Are you sure?”

“Yupp,” You answer, popping the ‘p.’ “To the garage, big guy!”

It only takes a couple of minutes to reach the garage, and less than that for Piotr to park and turn off the car, to your dismay. Before you’ve managed to collect your purse, he’s opening your door and helping you out of the car.

“Thanks for taking me out today. I had a great time.”

“My pleasure, dorogoy.” And then he stoops down and presses his lips against yours.

This kiss is different from the others you’ve shared today. For one, it’s more passionate --he’s holding you closer, kissing your harder. It also lasts much longer, like he doesn’t want to part from you until he absolutely has to.

Eventually, as all things must, the kiss does end.

You’re panting slightly when he pulls back. “Now, that’s what I’d call a proper ‘end of date’ kiss.”

Piotr ducks his head and smiles, cheeks flushed a gorgeous rosy color. “We should go inside.”

You walk with him to the house, still indescribably giddy from your date and the kiss in the garage. You step through the back door --Piotr gets the door for you again--and into the kitchen--

Wade is perched precariously on the counter, lighter in one hand and bottle of vodka with a rag sticking out the top in the other.

“Wade! No!”

You watch, endlessly amused, as your boyfriend surges forward and disarms your best friend.

It’s amazing that this is your life now --a mix of wonderful and crazy that you wouldn’t trade for the world.

You laugh as Wade pouts at Piotr and decide to join the chaos.

[gws201-blog]

Graduating High School.. Nine Months Pregnant?

20 Pop Culture Stereotypes We Must Debunk (Because    They’re Fucking Stupid)

1.   Race determines class

“White people were equated with richness and land” (Williams, pg. 431). Who’s to say you can’t be a person of color and also be loaded?! Sure, the Real Housewives have women of color who are ~loaded~, but the majority of shows depict non-white individuals and families as poor. Have you ever seen the TV show Everybody Hates Chris? The whole show is about a poor, African American family living in Brooklyn, NY—constantly worrying about money. Their father, Julius, is even so tight on money that he kept a picture of himself in his own wallet to keep as a reminder to not spend money. Shows like this may be hilarious, but continual negative portrayal of race and class hurts those who are included in the stereotype.

2.   Race determines education level

“Members of society are judged, and succeed or fail, measured against the characteristics that are held by those privileged (Wildman & Davis, pg. 111).” Why do we put less pressure on some people to go to college, and others are just assumed they’ll go, or maybe it’s assumed they’ll never even finish high school? How can we look at a 16-year-old black high school student and compare them to a white 16-year-old student, and think that we have enough information to label one of them as academically frivolous, and one as a failure?

3.   Race determines actions

Being white will never make you an angel, being a person of color will never make you dangerous. The media constantly portrays black people to carry guns, Middle Eastern people to be terrorists, and white people to be trashy, yet, more responsible with guns…? However, according to Chris Wilson with Time, mass shootings from the past 35 years were overwhelmingly white, male shooters. So why do we allow the media to make it look as if the white man is innocent in shows and movies, when in reality they’re the ones who are dangerous?  

4.   Race determines where you live

Similar to race determining your class, race also doesn’t dictate where someone lives. For example, in the show Shameless, a white family is actually living in the poor, “ghetto” area of town that they refer to as the South Side. However, back to Everybody Hates Chris as I mentioned prior, TV loves to show people of color living in shitty places as if it’s normal. We can’t let the world tell us you must live within constraint or restriction because of your skin; it’s 2018—love thy [literal] neighbor, dammit.

5.   Class determines your future, or lack-there-of

“Everyone knows that money brings privilege” (Wildman and Davis, pg. 111). Sure, it can. I won’t pretend that money doesn’t make it easier to afford things such as college. People act like student loans don’t exist, that grants don’t exist, FAFSA (even though they suck, but it’s whatever), loans, etc. do.not.exist.But these are excuses. Millions of students who are set up for failure because they can’t afford college or because their parent’s don’t have the money, but that doesn’t stop them.

6.   Class determines your likelihood to end up an addict

Face it—TV either depicts drug/alcohol addicts as either extremely poor, or extremely rich. No one ever seems to care about a middle-class addict. What’s worse though, assuming that being rich or poor increases your likelihood to be an addict, or by not paying as much attention to addicts who are neither of these classes. The rich have money to blow on, well, blow…. and the poor just somehow are expected to be more likely to hang out with the wrong crowd, try a drug once, and then do everything and anything they can in order to get money to keep on getting the drug—none of this is something that we should stereotype.

7.   Class determines the likelihood you’ll get pregnant at a young age

Your class and status don’t determine when you have sex and if you’re using protection, your decision to have sex without protection or situations of birth control failure are how you get pregnant at a young age (I’m leaving out situations of rape from this so I don’t write a novel). According to studies done by the US National Library of Medicine, socioeconomic status doesn’t determine the age you get pregnant at, but may determine to different pregnancy and birth complications due to lack of money to afford things such as healthcare, diapers, medicine, etc.

8.   Being feminine means you’re gay

“The new man is non-sexist, believes in gender equality and relates to women as human beings” (Milestone and Meyer, pg. 116). Apparently, the ‘new man’ is seen as a gay man to many. What even is femininity? A guy isn’t gay for wearing pink, giving a shit about how he looks, having female friends, or for his hobbies—I personally appreciate a man who takes care of his appearance, shows his feelings, ya know, showers and stuff. Kidding—I promise I have higher standards than a guy just showering. But anyways, what I’m trying to say is that none of these surface-level features give anyindication that a man is gay. And if he is, who even cares?!

9.   Being masculine means you’re a lesbian

*See #8*

Kidding, but really. Stop judging people based on how they look, dress, act, whatever. 

10.Gay people are promiscuous

First off, not your business. Second, you can just as easily say something dumb like that girls in sororities are sluts (trust me, I was in one and I got this comment a handful of times). I don’t even know how this stereotype came about, but I know that my gay friends joke about it al the time. If your gay friends make a joke about it, cool, it’s funny to talk about his “dick appointment”, but it’s different between a good friend making a statement, and you being an assumptive asshole.

11.Gay people have HIV aids

Every commercial I’ve ever seen on TV about medical treatment for HIV only show gay couples. According to the U.S. Department of Health and Human Services, gay and bisexual males are more susceptible to getting HIV because they tend to have anal sex, sometimes unprotected, which then puts them at serious risk. Sorry not sorry, but these commercials can’t just pretend straight couples don’t have unprotected anal sex. HIV doesn’t discriminate, so neither should we.

12.Gay people can’t have children

I don’t even know where to begin with this one. How do women who can’t conceive have children? Adoption, IVF, surrogate—there’s tons of options, and these are options for gay couples as well.

13.Gay people can’t be religious

There’s this notion that gay people must not believe in God because some people believe that homosexuality is a sin—even though God definitely says to love thy neighbor and that he loves all of his children, aka all of us. Shows such as Modern Familyare great examples of this. A gay couple, Cam and his husband Mitchell, attend church and even take their adopted daughter, Lily, with them. Sure they live in California where there’s more acceptance, but the fact that the show even displays this is great for ending this stereotype by showing it as normalized.  

14.Teen moms won’t graduate

I talk about Shamelessand Teen Moma lot, but hey, they’re perfect examples for a lot of these stereotypes. Shamelesssupports this stereotype by showing a 15 year old named Debbie who gets pregnant and drops out of high school. !!!BUT!!! Debbie eventually gets her GED and becomes a certified welder. Hell yeah. Teen Mom, which is a reality show, rarely shows teens graduating or getting any type of certification to better their education. Girls who are in similar situations may see this and be like “well shit, if they didn’t finish school and they’re fine, I’m not finishing either!”— then the girl and her baby daddy end up relying on their parents for everything. I graduated with a girl who was nine months pregnant, literally about to pop, and now she’s a young mom, yes, but she got to go on and attend college and is almost finished with her degree. By supporting pregnant teens and giving them the push they need, they can attempt to better their future and give their baby a great life (not that it won’t be great without education, but you know what I mean).

15.Teen pregnancy is easy & fun

If you’ve seen Teen Mom, you know that teen pregnancy isn’t easy. Yes, the show does glorify it sometimes by being like “oh, get pregnant at 16, you’ll get on TV!!!!” but they also show the raw, uncut scenes of the girls and couples hardcore struggling. Imagine missing class, missing prom, missing fun experiences you could be having with your friends when you’re not even twenty years old. Imagine the judgment by friends, family, and strangers because they assume you weren’t being careful. There’s a lot more to being a teen mom than being on TV and picking out cute baby clothes—don’t let TV and the media make you think you should get pregnant for fun.

16.Teen parents = unfit parents

I’ll be honest, this is a stereotype that I’ve believed for a long time. Teens are young, haven’t experienced life yet, aren’t fully educated, and aren’t always very mature—so why would they make good parents? Good question. Answer: no one is ever ~ready~ for their first kid. If you’ve never had children before, you’re in the same position as everybody else who has also never had kids. It doesn’t matter if you’ve babysat for years or if you have a college degree, having your first child isn’t something anyone can fully prepare for. You can have money, buy the best diapers, whatever, but you’ll still be learning how to care for the baby day by day no matter what age you are.

17.Trans people are confused

“you’re confused”

“it’s a phase”

“you’re just gay.”

-all quoted from a dumb ass, probably

For this, let’s go back to Linda Alcoff’s “The Problem Of Speaking For Others”. You don’t know how someone realized they weren’t the gender assigned to them at birth. You don’t know how they feel in their own skin every day. You don’t know the hardships and troubles and braveryit took for them to come to terms with being trans and be open about it to others. If you speak for them and try to say “oh, she’s confused” or “he’ll grow out of it”, all you’re doing is demeaning them, belittling them, and you’re lying to yourself and to them. Being trans isn’t easy. Support your trans friends or coworkers or whoever, and let them know that they’re always welcome in your life as they are.

18.Trans people are drag kings/queens

Similar to the last stereotype, being trans isn’t something you dress up in for fun and then change out of later. Anyone can dress in drag, not just transgender people. As Janet Mock discussed in Redefining Realness, drag can empower people and make them feel pretty and good about themselves. However, it doesn’t make you trans just because you partake in drag.

19.Trans people are predators

“Can you be guaranteed to find a public bathroom that is safe and equipped for you to use? (Taylor, pg. 296). Think about it—there’s a higher chance of a trans person being assaulted by someone because of who they are than a cisgender person being attacked in a bathroom by someone who’s trans. As much as I hate to get into this—I’ll be brief. No, trans people aren’t creeps. No, they’re not lying about their identity. No, they do not want to use the female restroom for ANY other reason aside from beingfemale.

20.Being who you are is easy

“We tend to forget the thousands of minute decisions that consciously construct the artificial world that has been created” (Smith, pg. 128). Though this quote is about movies, it’s true for real life. We make decisions every day that can drastically alter our lives. The thing is, we make these decisions in order to please others; we make choices that define us once we think about how it impacts others, what they’ll think, and what the worst-case scenario of these decisions may be. This is where it becomes difficult to be who you are. It’s hard to be yourself when you’re worried about what other people think more than you worry about yourself and your happiness. Put yourself first, worry about yourself, and make yourself proud—fuck everything else.

                                                Citations

Alcoff, Linda. “The Problem of Speaking for Others.” Cultural Critique, no. 20, 1991, p. 10.,       doi:10.2307/1354221.    

Bornstein, Kate, and Evin Taylor. Gender Outlaw: on Men, Women, and the Rest of Us. Vintage   Books, 2016.

“HIV and Gay and Bisexual Men Understanding HIV/AIDS.” National Institutes of Health, U.S.   Department of Health and Human Services, 5 Apr. 2018, aidsinfo.nih.gov/understanding-          hiv-aids/fact-sheets/25/81/hiv-and-gay-and-bisexual-men.

“Making Systems of Privilege Visible.” Making Systems of Privilege Visible, by Stephanie M Wildman and Adrienne D Davis, p. 111.  

Milestone, Katie, and Anneke Meyer. Gender and Popular Culture. Polity, 2012.

Min, Kim. Socioeconomic Status Can Affect Pregnancy Outcomes and Complications, Even With              A Universal Healthcare System. U.S. National Library of Medicine, National Institute of                 Health, 5 Jan. 2018, www.ncbi.nlm.nih.gov/pmc/articles/PMC5756361/.

Mock, Janet. Redefining Realness: My Path to Womanhood, Identity, Love & so Much More.       Simon & Schuster, 2015.

Smith, Greg M. “It's Just a Movie: A Teaching Essay for Introductory Media Classes.” Cinema Journal, vol. 41, no. 1, 2001, p. 128., doi:10.1353/cj.2001.0025.  

Williams, Claudette. Gal... You Come From Foreign. McGraw Hill, 2002.

Wilson, Chris. “Mass Shootings in the US: See 35 Years in One Chart.” Time, Time, 2 Oct.         2017, time.com/4965022/deadliest-mass-shooting-us-history/.

[paydaylender2]

Small Loans for the Unemployed Without Any Credit Check

If your credit score is not very stellar and yet you need small cash loans, it is possible to apply for one and get the money. You can apply for fast cash loans or small loans with no credit check from specific no credit check lenders.

However, you should know a few things before applying no credit check loans in Australia mentioned below:

No credit check loans are also known as bad credit loans

The loan company does not look very deep into your credit report when you apply

The loan officer may ask for your bank account number and Australian citizenship proof but he may not ask for your credit score

The base decision may be taken on the basis of monthly income

The main judgement is not centred around the credit ratings

In specific circumstances, even no check loans may be provided

What are the pros?

You do not require good credit (600 and above) for personal loans without credit checks. If you are below 500 points is okay and is considered a fair rating. While most loan companies may be apprehensive about offering a loan to borrowers with poor credit ratings, no credit check loan companies can consider such cases. Easy payday loans are provided by such companies for people who want a small loan amount.

Loans for the Unemployed

With rising costs and health crises, unemployment rates have increased. People need loans for tiding through this difficult period. Most banks and financial institutions have stringent policies and refuse loans without a good credit score. Yet some lending companies wish to help Australians in their hard times. These loan partners can help you get fast, instant, or same-day loans and no credit checks. This could feel like a great bonus to you until you get another job. You can make your rent or pay off some urgent bills.

Small Amount Loan Advantages

You can get in touch with a loan company offering payday loans or same-day small loans so that you can able to get over a bad period with some instant credit.

You can even apply online and fill an application for a loan in a few minutes with all necessary documents.

Such easy loans may be typically short-term in nature.

Small amount loans can be made available for anyone above 18 years of age.

There are no lengthy and complicated credit appraisal procedures to be followed.

Such loans can be granted to anyone with good or bad credit history.

Reputed lending firms will send you their loan officers to discuss their rules and repayment options.

You may be recently out of a job and during this career transition phase, you may need a small loan amount to cover your basic necessities. Students, housewives, retired individuals also form a significant part of the borrower’s bracket. Whatever your situation, you can approach no credit check loaning companies and avail yourself of a small cash loan.

[your-dietician]

How to start a business without money ... and in five steps

New Post has been published on https://tattlepress.com/business/how-to-start-a-business-without-money-and-in-five-steps/

How to start a business without money ... and in five steps

June 24, 2021 12 min read

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Opinions expressed by Entrepreneur contributors are their own.

STEP ONE: THE MOMENTUM

Image: Depositphotos.com

In my case, the impulse started one morning, at 3 in the morning. I looked at myself in the mirror, my face wet, breathing noisily, like Darth Vader in pajamas. I was angry. I was disappointed. I was confused. Above all, he was afraid.

He didn’t know how he was going to get out of this one. I was terrified. And it was not for less -or at least he believed-. Until a few hours ago … I had a job. The salary was good and the future looked fabulous.

But everything turned to nothing when I received the dreaded call: the main investor in the business, after a terrible year in Colombia, decided to cancel the project in Mexico. Thus, without further ado. Goodbye. Thank you. Good work and see you later.

Yesterday he was “director”. Today he was unemployed . Suddenly that impressive title that adorned my little cards seemed inappropriate and ridiculous. The truth is that he was the director of nothing.

To make matters worse, my wife was pregnant and huge debts haunted me. That night was a very bad night. I prayed – stammered – before trying to go back to sleep.

I already knew that my wife trusted me; and that he saw in me a man capable of providing for the home. That should have been a cause for reassurance; but at that moment it was a heavy piano on my chest. I didn’t want to fail him … but tonight I doubted everything, especially myself.

Only one question was floating in my mind as my eyelids closed. If I was a supposedly educated man, prepared, with a career, mastery … How did I get to this desperate point? One of two: either the world was a fraud … or I was.

The next day I did what I had to do. I organized my resume and sent it to everyone I knew, applied to some online positions, made several calls. After a few days without an answer, my calls became more desperate. He was willing to work on anything to make it to the next fortnight. After two weeks of attending various job interviews, without success, I was already questioning everything: my ability, my intelligence, my preparation … everything . What could I do?

And in my own business? For me the drive was desperation, but it doesn’t have to be that way. You could even start a business without leaving your current job. What moves you to start a business? When the urge hits, heed the 5 minute rule and move on.

STEP TWO: CHIP CHIP

Image: Depositphotos.com

The situation took on desperate tones. I thought that if I couldn’t find a job, I would have to start a business. It is not like this? Whatever. I looked online and in magazines about good business to get started. I found hundreds of business opportunities, products and franchises … but all required some type of investment: 20 thousand, 30 thousand, 100 thousand or more. But when one does not have money or work, it is impossible to think of those amounts. Also, whatever money he could receive, he soon disappeared in basic necessities: food, doctors, rent … and in paying past debts.

I thought about taking out another loan, but it would be impossible – and also seriously irresponsible – to borrow more. I thought about selling my car… but they would give me very little for it and I really needed it.

The answer came from Salvador, a good friend (with whom he would later write a book, precisely, about entrepreneurship and personal finance). “You don’t need money to start a business,” he told me, “you need an idea. If you don’t have money, invest your intelligence and your time ”.

I returned home agreed with this idea and sat at a table to put ideas on paper. That day, nothing was off the table. I thought about washing cars, tutoring, walking dogs, and painting houses. I didn’t know how to do any of these things , but I thought it would be a way for me to move around and start “something” temporary, where I got a serious job. I could not come up with an idea that would excite me.

A new inspiration came from my wife: “You have always told me that you like to write. Why don’t you do some business with that? Indeed, I have always liked to write and I even had a very advanced first novel, but that would not give me money for long, even assuming someone wanted to publish me. But the idea made me rethink everything. I was asking myself the wrong question!

Until then I was wondering where can I earn easy money? And I still couldn’t find a way out. But my wife’s comment made me change the question. The new question, the correct one, was: There are some things I know how to do well. How can I make money from these things?

This new question cleared the way because it left out thousands of impractical ideas, and limited my options, making my choice easier . That same afternoon, I decided that I wanted to start a writing and copywriting business . There was still a lot to do.

And in your own business ? Ask yourself the right questions and find your talent: the things that you know how to do well and that you like. My thing was writing, but perhaps your thing is animals, computers, sports or cars. Do not look for “a good business” but build a good business from who you are. And now, start where you are .

STEP THREE: LAUNCH THE BOAT INTO THE SEA

Image: Depositphotos.com

When I made the decision and shared it with my wife, our creative juices started to flow. I had almost no money, so we did everything at home. In one morning we came up with a name for the business, made a simple logo, opened a Facebook page and a free site on Wix. We also devised a “menu” of services that it could offer and we priced it.

This was all new to me, and I set prices that I later learned were too low. I also did not consider many services that I would later discover as important. But we already had what they call in entrepreneurial jargon an MVP, a “minimum viable product ”; something I could start promoting, selling and working on.

That day in the afternoon I sent a message to all my contacts by mail and on social networks. Perhaps, in total, about two thousand people. To all my friends, acquaintances new and old, and even people I didn’t remember. I sent them all. The email was very simple:

“Hello, how nice to greet you! I am Francisco and I am telling you that we have just launched these new services. If you have creative writing, editing or proofreading needs, don’t hesitate to call us! ”, Then a kind farewell and… SEND! And then … wait.

Fortunately we didn’t have to wait long. The next day a first customer arrived (who needed a brochure) and then another (who needed a website). The first week we charge 3,000 pesos for two services. It was still little, but it was something. We could breathe. We were in business!

And in your own business? Do not wait for the ideal moment, or until you have everything assembled and planned perfectly. Right now, the perfect is the enemy of the good. Try to have an MVP and then make changes and iterations according to the response of your market. Stay open, be flexible, and listen to your customers.

STEP FOUR: SYSTEMATIZE

Image: Depositphotos.com

The first months were learning . Still our earnings were low (but they helped us get ahead). We discovered new needs, new niches, and products that we could explore. We started offering advertising copy services, social networks, translation and strategic communication. Each client brought a new problem that we had not thought about before. Then we gave ourselves to the task of investigating, learning and solving what we put on the table.

Little by little we were finding our space in the market , and leaving behind the products and services that required us a lot of time and little profit. Clients – thank God – kept coming and within a few months it became evident that we needed more hands on the business, better management systems and systematizing processes.

We also thought that we could be a company with a human sense, that would help people. We launched a call for writers who could work from home: housewives, men who take care of their children and people with some type of disability. At the end of the year, we went from one collaborator (myself), to eight collaborators with flexible times. We also launched programs to help people in need, doing our bit, no matter how small.

That involved us implementing payroll, tax, customer control and process control systems to ensure that everything went smoothly and in order. We learned to hire, train and sell. We made a lot of mistakes and we learned from them; but most of our clients accompanied us during the process.

And in your own business? This third step is the most difficult in the leap from self-employment to a formal business, because it involves delegating functions, investing, trusting people and “letting go” of direct control of all steps of the business. Find systems that work for you and find people you trust who want to work. Little by little you will find your answers.

STEP FIFTH: GROW

Image: Depositphotos.com

Once the systems started working, I found that my hands were freer. In the beginning I spent all my time doing the essays, even the simplest ones. Now, with a team of writers, I had brain freedom to rekindle the creative drive; think about new clients, bigger projects and look for new business for my business.

Eventually we were able to serve larger national and international clients and launch new lines of products and services that attracted new clients. We open a publishing division. The business today has different areas, different sources of income, managers and operators that work even when I am not present. That is to say: it is a real business and not self-employment. Later, in effect, they offered me an excellent job, which I still maintain today. I accepted it because I liked it, and not just because I was desperate. As the business goes on, I can attend to both.

We are still very, very far from the Forbes 500 lists. We are still an SME with a great desire to continue growing. But, above all, I no longer be the way I felt that day at 3 in the morning. I have other concerns, but I have freedom, I live where I want, I do what I like and I can’t stop dreaming. I’m tired? This sold out! But it is a burnout of the one who knows that he is in the right race.

I have had the help of fantastic people in my family and outside of it and, in addition, my family has grown quite a bit. Trust me, it’s worth it.

And in your own business? It recognizes that there is a market and space for all types of companies, products and services. Don’t be afraid to grow up. Sure, it’s scary and sometimes lazy. But on the other side of fear is freedom. It is freedom and passion (not money) that move the soul of true entrepreneurs.

Your first business may not lift, but if you have invested your time and your intelligence, then there is no way it is a total loss. You will have grown, learned, undertaken and faced. You are not the same as before. Time to start again! Once you have learned to undertake, you will not be able to stop doing it.

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[divingduck89]

Indian Spices - They Are Integral to Yummy Hindustani Cuisines

'Solidarity in Diversity' - that is the thing that Vincent Smith broadly said while summarizing his experience about India. This variety is unmistakable through regular scenes as well as in different viewpoints from religions, models to culture and foods. Indian foods are exceptionally assorted and delectable simultaneously, because of incredible flavors utilized while cooking. Sweet-smelling kind of a brilliant assortment of value flavors adds to the extraordinary taste of Indian dishes. India is broadly known as the homeland of thousands of flavors utilized all through the globe. Particular flavor and great are the marks of Indian flavors which are presently effectively accessible at online supermarkets.

How about we investigate flavors in India

Masala or flavors are among the fundamental fixings in Indian dishes. Notwithstanding, everything dishes don't utilize all flavors. On the off chance that two luxuries utilize similar arrangement of flavors, contrast in individual extent loans to their interesting flavor. Flavors add flavor as well as shading to the dishes, with a marriage of both the highlights making the rarities generally enticing to taste.

Flavors being the fundamental substance of Indian dishes, even the smallest contrast in extent could get a substantial change taste. Fine mixing of flavors is vital to guarantee genuine fragrance and taste of Indian foods. Indeed, even some sweet dishes prepared at Indian kitchens additionally use flavors to make those more flavorsome and yummy.

Normally the vast majority of the Indian housewives utilize powdered flavors purchased from the market. In any case, some lean toward purchasing the entire flavors and pound them at their kitchens. Of the most utilized natural Indian flavors, turmeric, cold, coriander, cumin, phenol, cardamom, peepers, mustard, fenugreek and asafetida merit a notice. Nonetheless, these are a couple to name from a great many flavors utilized all through the country.

Hindustani flavors in unfamiliar market

Interest for Buy Indian Spices Online isn't simply restricted to this country. These flavors track down an incredible market even outside of India. As flavors accessible in India are popular around the world, so these are sent out to various pieces of the world to prepare diverse fascinating foods. The valid preferences of these flavors goes on for 90 days, after which, they lose their flavor.

Entire versus Powdered

Master culinary specialists consistently recommend that to make dishes more delicious, one should utilize entire flavors. This is on the grounds that; the entire flavors are new in flavor as are better options in contrast to their powdered varieties. Indian foods are barely classified under four heads, with each zone having its own extraordinary flavors.

Conclusion

A few group don't incline toward hot food and are more for plain and sound eating routine. Nonetheless, that never implies dishes arranged for wellbeing cognizant food authorities don't utilize flavors by any means. Nonetheless, the flavors are utilized in little add up to compliment the sense of taste of these individuals.

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Best Natural Honey to Buy In India

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[vytcdc-course]

12 Ways To Succeed As A Massage Therapist

12 Ways to Succeed as a Massage Therapist

Here are 12 ways to succeed as a licensed massage therapist. Whether for health reasons or to relax people, the massage therapy business is a great choice for success. This type of service has become increasingly popular. Therefore, if you wish to know how to get more customers and succeed as a licensed massage therapist, these tips will help:

#1 Master the Soft Skills to Succeed as a Massage Therapist

As with all professions, soft skills characterize an excellent massage therapist. We summarize some of them below:

Empathy: A professional massage therapist should be able to make their clients feel relaxed. Empathy is the key to support clients emotionally. It is a must-have personality if you wish to become a successful therapist.

Be a good listener: Good practitioners listen well. Clients who attend your place have not only physical but also emotional needs. To understand them well, you have to be a good listener. Listen to what they need, find the problems, and make a priority of which muscle problem you want to solve first.

Great Commitment: Don’t be satisfied with what you already have right now. Instead, keep learning new techniques and approaches to serve your clients better.

Professionalism: A massage therapist should convey professionalism at all times. In this case, never be late for appointments, don’t be nervous while doing therapy, etc.

Marketing Skills: This one is an essential skill to grow market your business. We will discuss this later on.

#2 Offer Some Popular Types of Massages for Success

In addition, let’s talk about a brief list of the famous and most requested massage services.

Swedish Massage

This massage is the most popular one around the world. It is based on some relaxation massage moves. It consists of effleurage, tapotement, friction, petrissage, and vibration. These moves will help your customers relax and eliminate unnecessary muscle tension.

Deep Tissue Massage

With the deep tissue type of massage, the therapist will focus on painful fibrous knots in the muscles to relieve pain. The moves performed even in the areas other than the back. Of course, the moves can be somewhat painful to a client. That’s the reason why this massage is usually combined with different types of massages.

Sport Massage

Before and after sports, professional athletes used to have this massage. In other words, the purpose is to loosen the muscle and improve flexibility. Furthermore, it increases the athlete’s performance.

Prenatal Massage

This massage serves to relieve the discomfort felt in pregnancy. If you receive massage during pregnancy, the childbirth process generally becomes easier. In addition, even after birth, massages help to balance the mother’s body.

Aromatherapy Massage

If you combine the massage with aromatherapy, it can further relieve the emotional stress of your clients. In this case, you are also going to need some essential oils to facilitate the relaxing feel.

Foot Reflexology

Reflexology theory said that each part of your body has a connection with a particular area on your feet. Therefore, if the therapist performs a certain pressure on the foot, the relaxing effect will also occur in the internal organs.

Hot Stone Massage

Sometimes, the therapist uses hot basalts to perform a massage. This method has a significant relaxing effect for those who have insomnia and emotional stress.

#3 Complete the Legal Business Formation Successfully

Before starting to set up a massage center, it is vital to choose what legal structure you will have. Deciding on what is the best company will depend on your corporation or LLC business formation preference.

Furthermore, while choosing your legal formation, you must take into account these factors:

Type of activities to develop.

Number of partners.

The responsibility you will carry.

Initial Capital.

Financial obligations.

Above all, there are different types of companies, and you must value the various options before opting for one (sole proprietorship, limited liability company (LLC), Corporation (Inc.), etc.).

#4 Fulfill the Administrative Tasks for Success as a Massage Therapist

First of all, to create a licensed company, you must follow the following procedures:

Request the license of your activities and facilities.

Get the official name of the company.

Obtain a Tax Identification Number.

Settle the Tax on Property Transfers and Documented Legal Acts.

Perform Registration in the Commercial Registry.

#5 Succeed by Hiring Assistance and Personnel

If your massage center is growing, you will more likely need a team to work with you. Here is the ideal composition if you utilize a physical location:

Director (you): He is in charge of planning, ordering, and controlling the development of the activity.

Therapist: It can be you or other people you want to work with. They must meet the conditions required to perform different massages to clients.

Administrative Officer: He is in charge of bureaucratic and accounting functions.

Receptionist: This is the person who is responsible for receiving customers.

Cleaning: It is the staff that is dedicated to cleaning the massage center.

The work day usually begins from Monday to Friday. For the massage therapist, the day can be 35 hours per week, while the day for non-masseuse staff can be 40 hours per week.

#6 Financing as a Licensed Massage Therapist

The initial investment can be scary at first, but there are many ways to get financing for massage therapist school and your practice.

The primary source of financing to which entrepreneurs go to set up a massage center is usually from family and friends. You can ask them to contribute capital to your business. Also, they can help you later promote your business with word of mouth.

On the other hand, the different sources of financing most used by small and medium sized enterprises (SMEs) are:

Loans

Credit account

Leasing

Renting

#7 Find a Strategic Location for Success

When choosing the location of the massage center, it is best to separate yourself from the competition. In big cities, there are already many massage centers, and you can find price wars and services. What you need to do is look for locations where there are almost no massage centers and little competition.

To set up a massage center and have many clients, you must try to locate it in a street where there is a lot of movement. The massage rooms must be located in an area of the premises where the sound of the street is not heard. This condition is to avoid disturbing the tranquility of the clients.

A good idea is to locate the massage center in an area where there are people who work all day. In this way, receiving a massage when leaving work will be a perfect opportunity for them.

#8 Prepare the Insurance

Most important, we are going to talk to you about insurance that you may need in your business.

Liability insurance

In centers where skin treatment and touching client’s bodies is performed, professional and General Liability (Malpractice) Insurance is critical. Hence, although it is not usual, there is a risk that the practitioner may cause damage to the client. Many companies offer policy coverage for at least $2,000,000 limit per occurrence for less than $300 per year.  

Besides, a massage center must have a Commercial Insurance with Civil Liability coverage to obtain the licenses.

The most common coverage is the Civil Liability of Exploitation. This is responsible for the business activities. It also covers the damages that employees may cause when carrying out their work.

The Employer’s Civil Liability covers the business owner if workers suffer injuries or death due to an accident at work.

Multi-Risk Insurance

This insurance covers the damages that can be caused by a fire or a flood in the assets of the premises that are insured. It also includes glass breaks, moons, mirrors, etc. It is the insurance company that is responsible for the expenses that may involve the repair of the affected goods.

The theft coverage is also essential because in a massage center may have material quality and quite expensive.

#9 Get Licensed

Before starting to develop the activity, you must process the opening and operating license of your message center. The Activity License can take between 3 and 12 months, depending on the City Council. This license guarantees that the message center and practitioners meets all the requirements according to the law.

By Opening and Operating License, you authorize the use of buildings, premises, or facilities that comply with the Activity License and that are properly completed. Here are some legal requirements you must comply:

Endowment Requirements

If you want to set up a massage center, it must have:

Storage area for cosmetic products and cleaning products.

First aid kit closet.

Changing rooms or Lockers for staff or clients.

Laundry area.

Requirements of the building:

Smooth Walls and floors with waterproof materials, easy to clean and disinfect.

Washable furniture material.

Toilet requirements:

It is necessary to have a toilet for the public and another for the staff.

If the message center is located inside a shopping center, it can use its hygienic services.

Garbage room requirement:

You need proper containers to store garbage and waste.

#10 Be Ahead of Competition

It is important to define the area in which the business is going. This will give you a clear sight of how many competitors you might have. Here, let us help you identify the area of the massage business.

Your customers

The clients of a massage center are those who seek relaxation, peace, and tranquility. They are adults who are willing to pay for services for this purpose.

Usually, clients of a massage center are generally in the age range between 25 and 60 years. They can be office workers, athletes, housewives, etc.

Marketing

Once you have established who your customers are, you should think about how you will attract them, and what marketing tools you will use.

How to Stand Out

The main challenge of setting up a massage center is to make a difference. It seems that going to a massage therapist is an activity only for those willing to pay a lot of money, but there are also people with few financial resources who need a massage.

To make a difference, you have to investigate and see what the competition offers. Today there are many health-focused massages, whether to combat stress, eliminate muscle contractures, or improve blood circulation. The people who need them most now is the middle class. Therefore, it is better to keep prices consistent with this purchasing level.

However, the prices cannot be too low as not to lose money. To achieve balance, you can establish price bands by making agreements with work and study places, or offering promotions or discounts to people who work in sectors such as education, production, and cleaning.

#11 Perform Online Marketing for Success

A massage center or freelance massage therapist must have a web page, web presence, and an appointment booking system to be competitive. With a Google search, you can find professional web designers to help you with this task.

When a person searches for a massage center, the most common thing is to ask family and friends or to search on Google. From there, they will go to the first website that appears in the search engine. That is why your website should convey confidence and offer a lot of information and advice.

It is also convenient that you have a continuing profile open on Google Maps and different social networks.

Here are some marketing strategies you can use to attract more customers:

Inbound Marketing: It’s about creating a lead capture system. Having a website with forms to attract potential clients in exchange for advice can give your business many opportunities. If you want to set up a good Inbound Marketing system, you must work on your content marketing and email marketing. The best thing is that you hire search engine optimization (SEO) professionals to help you out.

Social networks: They are a free way to attract customers. Facebook, Twitter, and WhatsApp can provide you with great opportunities to contact customers. You may need a social media manager to manage them.

Ads: It is essential to have ad campaigns on Google and even on Facebook. These ads will make your website target the desired customers online faster.

#12 Never Forget Offline Marketing to Succeed as a Licensed Massage Therapist

This is just as necessary as online marketing. Moreover, the same content you generate online can be used in brochures or advertising. You should find graphic designers to help you with the brochures.

You can carry out mailbox campaigns or collaborate with nearby shops to advertise your massage center. You can also collaborate on local radio programs or in newspaper sections.

A recommendation from us is to advertise your services in offices nearby. Mostly, these are the target audience you wish to reach.

Most noteworthy, find a professional massage program for licensing and continuing education and a mentor who can help you succeed as a massage therapist. Many are willing to give you professional advice, as well as, first-hand knowledge of running a profitable massage practice.

[twenty-nothing]

OneHundredSixtyOne

On Saturdays, I like to… hang out with a friend and go to lunch

Where would you like to be a missionary to? No where

What’s better — toilet paper rolled over top or underneath? Over the top

Which Scooby-Doo character are you most like (Scooby, Shaggy, Daphne, Fred, Velma, the monster, Scrappy?) No idea, I didn’t really watch Scooby-Doo

If you had to endure one natural disaster (i.e. hurricane, tornado, etc), what would you pick and why? A blizzard. I already live in an area that gets A LOT of snow during the winter. Natural disasters scare me because you can lose your house and everything you own. So at least a blizzard sucks and might lose electricity but you will keep your home and everything in it.

What movie or TV show do you take guilty pleasure in watching? Any of “The Real Housewives”

If you had to describe your day as a traffic sign, what would it be? Green

What traditional stereotype would you classify yourself as? Prep

What “group” did you belong to in high school? Cheerleader

If you wrote a book about yourself…what would it be about? My life

If your house were burning down, what would you take and why? My dog, phone, laptop and my favorite sweaters and blankets

Describe your favorite pair of PJ’s. Soft sweatpants with lightweight baggy tshirt

How many handbags do you own? A few crossovers

If this were your last day alive, what would you say to your friends? I’d tell them I love them and was so glad I met them

What is your very favorite part of your day? Leaving work lol

What is your best scar? Tell the story of how you got it. LMAO I have a scar in the middle of my left forearm because I got a pen cap stuck in my cast when I was 13 years old. Old enough to know not to stick a pen, cap side down in your cast to itch it lol

You win a million dollars, but you have to give half to a charity. Which charity do you pick, and what do you do with the rest of the money? I would have to do a ton of research before I choose the right charity to make sure the money doesn’t go to the CEO’s like they usually do. The rets would pay off my student loans, my parents house and put the rest in savings

Describe your dream wedding where money is no option. I’d get the most sparkly dress I can find, Somewhere overlooking a waterfall in the fall, amazing plated dinner and fresh flowers ending with a fireworks show

What kind of deodorant do you use? Dove

If you were a spy what would your alias be? No idea

Do you have a birthmark? Where? Does it look like anything? Yes, just a brown large dot in the middle of my thigh

You are planning the most awesome dinner party of your life. Which 3 celebrities/historical figures (past or present) would you add to your guest list to keep the dinner talk interesting? Gordon Ramsay, Sandra Bullock, Harrison Ford

What is your favorite sport, and which team of that sport do you cheer for? Hockey. Syracuse Crunch, local team. Need to find a good NHL team to root for

Which would you rather have a kiss or a hug? Why? From someone I’m dating, a kiss. Everyone else a hug, but I rather not hug lol

If you could be a pair of jeans what style would you be?  Why? Ripped skinny jeans. The best ones lol

You have multiple personalities, describe some of them. A bitch

What is the best thing you have done in your life? I can’t think of anything...

If you were blind for the rest of your life… what would you miss seeing the most? Fall foilage

What household chore do you hate the most? Dishes

What is your most disappointing moment in life? Seeing how long it would take me to pay off my loans after only going to a community college, made me wish I never went

When have you laughed the hardest? Cried? I’ve been laughing the hardest with Elaine at work, I cry the hardest when I think about any part of my life...

If you had a “theme song” that played whenever you walk into a room full of people, what would it be? I dont know, I’m awful trying to think of shit like that

What is the first thing you notice about the opposite sex? Smile

What time period from the past would you most have liked to live in and why? the ‘50s. Just seems like an easier time. No technology really and just seems like a nicer time.

What is the best reward anyone can give you? Gifts

If you had a band what would you name it? No idea

Do you like fruit? Vegetables? Both!

What can someone do to encourage you? Show me encouragement by showing up for me

If you could be one for just 24 hours, what cereal box cartoon character would you be? Why? lmao who the fuck knows

What was the best thing that happened to you this weekend? The steak I had at Longhorn was PERFECT and amazing!

What is your favorite animal? List three adjectives to explain your choice. Koala. Grey, Cute, Small

What is your favorite color? List three adjectives to explain your choice. Mint. Cool, Relaxing, Pretty

It’s a very hot and muggy day. You desperately want something very cool and refreshing to quench your thirst and revitalize your body. What would you drink — either make your own or store-bought. Ice cold lemon water

You discover that the person you’re head-over-heels interested in loves a good homemade & handmade dessert. What will you concoct when you have this person over? Chocolate chip brownies

What would you leave in your will for the person you care about the most?

Everything

What do you consider to the most valuable thing you own: when you were a child/teenager/now? I don’t own anything really valuable

What’s the kindest act you have ever seen done? Just people giving back and being selfless

If you could have any job in the world, which one would you want? Forensic Accountant

What are your best/worst subjects in school and what subjects would you want to learn now? Best was science and worst was math, I’d love to learn all about history from start to now!

What are you most talented at? Nothing lol

What is your worst nightmare today? Lose my job

How often do you clean between your toes? Every time I shower

What is your favorite way to waste time at work without getting caught? Incognito internet lol

If you could have had the starring role in one film already made, which movie would you pick? Mean Girls

If you were to perform in the circus, what would you do? The ones that fly and flip in the air

If you could eliminate one thing you do each day in the bathroom so that you never had to do it again, what would it be? If it didn’t affect my health, brush my teeth lol

You were just given a yacht. What would you name it? Dreamer

If you could have been told one thing that you weren’t told when you were a teenager, what would you like to have heard? Really research what you want to major in, look up the jobs in the market that relate to that major, what do you really need? An associates or bachelors?

You’ve just been hired to a promotions position at Kellog Co. What would you put in a new breakfast cereal box as a gimmick? Coupons for free cereal

Just like “Everybody Wang Chung tonight!”, what action would your name be if it were a verb? What the fuck???

Name your favorite song. Right now it is Santa Baby because its like 4 days til Christmas lol

[diala-bank]

What Makes Gold Loan The Best Option For Housewives?

What Makes Gold Loan The Best Option For Housewives? 

India is one of the leading importers and consumers of gold, alongside China. In the Indian culture, gold has a lot of importance. It is considered auspicious and is a great source of investment. There is a certain kind of emotional value attached with Gold for Indians. Hence, selling it off to meet the immediate financial requirements doesn't suit them. That is when the gold loans come in handy. 

The consumer can give the physical gold to the banks or NBFCs and can apply for a substantial amount of loan.Thus, in this way there is no need to sell the gold reserve and the consumer's gold article remains safe with the banks and NBFCs. The banks and NBFCs lend the loan amount against the gold article according to their gold loan per gram scheme.

Anyone person who fulfills the required eligibility criteria can avail the gold loan. A housewife too can apply for the loan if she is eligible for it. Any housewife can apply for a gold loan very easily. She just should have the KYC documents and the gold articles. After all the documentation process, the loan amount is processed. 

For Indian housewives, who don't have a steady source of income gold loan is a suitable option. Since, Indian households accumulate gold as security. In an interview with India's financial daily The Financial Express, the managing director of World Gold Council had revealed that Indian households have accumulated around 25,000 tonnes of gold.The skyrocketing prices of Gold makes it the most profitable way to get credit for financial requirements. 

The housewives don't even need to sell off their gold ornaments. All they need is just submit them as security and can get the loan amount against it. They can use this money for starting off their new venture. Once the business kicks offs properly, they can repay the loan amount and can get the submitted gold back. 

Different banks and NBFCs offer gold loan amounts according to their gold loan per gram program.For instance, HDFC bank offers Rs. 2905 to Rs.3351 as gold loan per gram. HDFC gold loan policy lets the consumer apply for the gold loan at the comfort of sitting home and applying online. The interest rates for HDFC starts from 9.90% with minimal processing fees.

Thus, a gold loan is the best option for housewives as it provides them immediate and sufficient financial security. All they need is to check and research about the interest rates, eligibility criteria and other requirements before applying. 

Also Read:- 3 ways to repay gold loans

[techsciresearch]

India Gold Loan Market to Grow at an Impressive Rate until 2025 – TechSci Research

Increasing trend of availing gold loan in urban areas is expected to drive the growth of India gold loan market

According to TechSci Research report, “India Gold Loan Market By Type of Lenders (Formal v/s Informal), By Mode of Disbursal (Cash, Cheque, Electronic Transfer), By Interest Rate (Up to 10%, 11%-20%, 21%-30%, 31%-40%, Above 40%), By Regulatory Body (RBI v/s Ministry of Corporate Affair), By Market Type (Organized v/s Unorganized), By Application (Investment v/s Collecting), By End Users (Salaried Middle Class, Housewives, Traders, Micro-Enterprises, Self-Employed, Others), By Region, Forecast & Opportunities, 2025”, the India gold loan market is expected to grow at an impressive rate during the forecast period on account of the changing lifestyle patterns of the population in the country. These days people have started using their gold as collateral in order to not just full fill their short-term emergency needs but also needs such as vacations, among others. Additionally, rising gold prices are further expected to fuel the growth of gold loans. However, liquidity stress among NBFCs and banks might hamper the market growth through 2025. Furthermore, availability of risk-free loan options without providing any collateral might restrict the market growth over the next few years.

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The India gold loan market is segmented based on type of lenders, mode of disbursal, interest rate, regulatory body, market type, application, end users, company and region. Based on type of lenders, the market can be split into formal and informal. Here, the formal segment is expected to witness significant growth in the market during the forecast period and can further be categorized into banks, NBFCs and nidhi companies. Banks are expected to register significant growth in the market since banks have started operating gold loan specific branches, which provide gold loans at low interest rates. On the other hand, the informal segment is expected to dominate the market since this is the most conventional way of getting gold loans and is still followed in the country, especially in the rural areas. Based on market type, the market can be bifurcated into organized and unorganized. Among them, the organized segment is expected to grow significantly on account of the growing penetration of banks and NBFCs in the country.

Muthoot Finance Ltd., Manappuram Finance, Indian Bank, India Overseas Bank, Federal Bank, South India Bank, State Bank of Travancore, IIFL, HDFC Bank, ICICI Bank and others are some of the leading players operating in India gold loan market. The companies operating in the market are using organic strategies such as new insurance plan launches, mergers and collaborations to boost their share.

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“The India gold loan market is expected to grow significantly on account of the changing mindset of the population in the urban areas and cities for availing gold loans. Furthermore, increasing penetration of gold loan provider companies, banks, NBFCs, among others which are easily accessible for the population is further expected to fuel the market growth through 2025. Additionally, banks and other financial institutions have started providing online gold loans and are also launching apps to popularize and make availing of gold loans quite easy. For instance, the State Bank of India launched YONO App for providing gold loans and is promoting the app by sending messages to the customers.” said Mr. Karan Chechi, Research Director with TechSci Research, a research based global management consulting firm.

“India Gold Loan Market By Type of Lenders (Formal v/s Informal), By Mode of Disbursal (Cash, Cheque, Electronic Transfer), By Interest Rate (Up to 10%, 11%-20%, 21%-30%, 31%-40%, Above 40%), By Regulatory Body (RBI v/s Ministry of Corporate Affair), By Market Type (Organized v/s Unorganized), By Application (Investment v/s Collecting), By End Users (Salaried Middle Class, Housewives, Traders, Micro-Enterprises, Self-Employed, Others), By Region, Forecast & Opportunities, 2025”, has evaluated the future growth potential of India gold loan market and provides statistics & information on market size, structure and future market growth. The report intends to provide cutting-edge market intelligence and help decision makers take sound investment decisions. Besides, the report also identifies and analyzes the emerging trends along with essential drivers, challenges and opportunities in India gold loan market.

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