#Working Capital Loan Requirements

[biz2loanfinance]

Fast Working Capital Loans in Illinois

Running a business comes with its fair share of challenges, especially when it comes to managing cash flow. Unforeseen expenses, seasonal slowdowns, or new growth opportunities can leave businesses in need of quick financial support. This is where a working capital loan becomes a valuable lifeline. But is it a good choice for business growth? Let’s explore why working capital loans can be a game-changer for businesses in Illinois.

1. Fast Working Capital Loans in Illinois

In the fast-paced world of business, timing is everything. Delays in funding can lead to missed opportunities or operational slowdowns. This is where Fast Working Capital Loans come into play. These loans are designed to provide quick access to funds, often with minimal documentation and a swift approval process.

Benefits of Fast Working Capital Loans:

Quick Approval: Get funds within days, sometimes within 24-48 hours.

No Collateral Required: Many fast loans are unsecured, meaning you don’t have to risk your business assets.

Use Funds Freely: Cover expenses like inventory, payroll, or equipment repairs without restrictions.

Biz2loan makes it easy for businesses in Illinois to access fast working capital loans in Illinois. Whether you’re a retailer preparing for a busy holiday season or a service provider covering payroll, fast access to cash can make a significant difference.

Call Biz2loan at (888) 204-9748 to apply for a fast working capital loan today.

2. Flexible Working Capital Loans in Illinois

Business needs are constantly evolving, which means flexibility is key. A Flexible Working Capital Loan provides you with the freedom to use the funds as you see fit. Unlike traditional loans that have rigid terms and restrictions, flexible loans adapt to the needs of your business.

Why Choose a Flexible Working Capital Loan?

Customizable Repayment Terms: Payback schedules that align with your cash flow.

Use Funds Freely: Cover any operational costs, from rent and utilities to marketing and advertising.

Available for Various Business Types: Retailers, manufacturers, service providers, and more can qualify.

Biz2loan’s flexible working capital loans give Illinois businesses the freedom to manage day-to-day expenses or seize new opportunities without being constrained by rigid rules.

Apply for a flexible working capital loan with Biz2loan by calling (888) 204-9748 today.

3. Business Line of Credit in Illinois

If you’re looking for ongoing access to funds, a Business Line of Credit might be the best option. Unlike a traditional loan where you receive a lump sum, a line of credit allows you to withdraw funds as needed up to a certain limit. You only pay interest on the amount you use, making it a cost-effective and versatile funding option.

Key Advantages of a Business Line of Credit:

On-Demand Access to Funds: Use funds as needed and only pay for what you use.

Revolving Credit: As you repay, the funds become available again.

Perfect for Seasonal Businesses: Handle seasonal fluctuations in cash flow with ease.

Whether you’re dealing with seasonal cash flow gaps or funding a new project, a business line of credit from Biz2loan gives Illinois businesses the control and flexibility they need to stay competitive.

Call Biz2loan at (888) 204-9748 to learn how a business line of credit can benefit your business.

Is a Working Capital Loan a Good Choice for Business Growth?

The answer is a resounding YES. A working capital loan provides quick, flexible, and ongoing access to funds that can help your business grow. Here’s how:

Fast Funding for Opportunities: Seize time-sensitive opportunities without delay.

Flexibility for Business Needs: Use funds to cover operational costs, payroll, or expansion.

Low Risk: No need to put your assets at risk with unsecured loan options.

With options like fast working capital loans, flexible working capital loans, and business lines of credit, Illinois businesses can ensure they have the financial backing needed to grow and thrive.

Need funds to grow your business? Call Biz2loan at (888) 204-9748 (TOLL-FREE) to get started.

[financesevaloan]

Document Required for Business Loan

If you have a lack of cash and you are not able to manage the cash flow. So, you can opt for a business loan to upgrade business equipment and grow the business by the option of business loans. Each bank has specific requirements, criteria, and eligibility factors.  

The list of documents is given below. These documents required for business loans are essential documents it may vary from lender to lender. You can visit our website financeseva to check your eligibility for a business loan and you can apply from there.  

To apply for a business loan, you need to submit the following documents along with the business loan application:

Identity proof: For individual, company, or firm – submit valid identity proof and PAN (Permanent Account Number) Card.

Address proof: Voter ID Card, Ration Card, Passport or Driving License

Bank Statements: Latest bank statements for at least 6 months

Income Documents: This unsecured business loans would include the latest ITR (Income Tax Return) along with the computation of income, balance sheet, profit & loss account for the past two years. Make sure that the financials are audited by a reputed chartered accountant.

Proof of Continuation: In business continuation proof, you can submit ITR/trade license, sale certificate/establishment

Other mandatory documents: Sole proprietorship declaration, partnership deed, certified true copy of memorandum & articles of association and board resolutions.

These are basic documents that are required for the application for a business loan.

[so-i-did-this-thing]

Hello Nicholas!

I hope this isn't a weird question, but I saw in one of your posts that you used to be in a huge amount of debt and now you're living more comfortably- how did you manage to get out of debt? I feel like every time I start even trying to figure out where to start, it's just all too big to ever get out from under. Do you have any advice for me?

Hope you have a great day!

Hey there! Yes, from about 2007-2010 (before I transitioned), I was making less than $10k/year. I defaulted on all my credit cards, exhausted my retirement, and nearly lost my house. It sucked, and in 2024, I'm finally start to feel somewhat secure. What I learned (assuming living in the US, I also did not have student loan debt):

I had to first figure out the sources of my debt. A big chunk of it was because of bad spending habits due to mental illness (hoarding + retail therapy when I was dysphoric/depressed). Another chunk was from being in an abusive friendship. Another, from being unemployed. And the last, was general capitalism (this was during the housing crisis.)

I started working on improving myself to curb behaviors that led to debt. I started working on my hoarding. I started transition to improve my mental health (had to sell some stuff to afford HRT). It took until 2015 to ditch my abuser, alas.

I started working on new job skills. I swallowed my pride and got an office job after a failed 3-year stint at freelancing. It was shitty, but enough to take care of my income emergencies -- keeping my house out of foreclosure. I got a better job 8 months later. It also sucked and I was in it for 7 years, but eventually changed industries and that's when my career took off. Because with each new job, I've gotten better and better pay.

I started using budgeting software. YNAB is my favorite. I try to account for every single dollar I have.

I started spending smarter. Food was the expense I had the most control over. I went to the salvage grocery store (you can find non-expired stuff if you hunt) and bought the "ugly" produce 1 day away from rotting from the local markets. I actually managed to eat well once I found these grocery stores, and my food bill became a fraction of what it'd been at typical grocery stores. I do wish that I had given food pantries a shot, but I was in denial about my poverty at the time.

I sold a ton of useless crap. I got rid of a good chunk of my nerd "collectibles". I only miss a few things over a decade later.

I negotiated with my debt collectors. I managed to set up payment plans with my credit card companies, condo association, and the IRS. I also did a debt consolidation loan once I qualified and was sure I could commit to the monthly payments. It forced me to be super strict about my budget and for about 5 years I didn't buy much for myself. It sucked, but I cleared a bunch of debt that way.

I got help from my family. I was embarrassed to tell my family about my predicament, but it became impossible to hide. I got help cleaning out my hoard and my mother has gracefully given me generous cash gifts every now and then. Never enough to be life-changing, but enough to give me a mental breather.

I played the credit score game. This one seems counter-intuitive, and requires some self-control about not abusing credit cards. Many people recommend the "snowball" method for paying off cards (pay off your lowest debt asap, then go to the next one), but I went with a "credit utilization" method (bring my highest used cards down to the next utilization level, then move to other cards) so I would see immediate changes in my credit score. What is credit card utilization? It's the percentage of how much of your credit card you're using. A card with a $1,000 limit and $100 on it = 10% utilization. Your credit score changes when you cross the following thresholds: 90%, 70%, 50%, 30%, 10%. Once my credit score started going up past 400 (especially as defaults started falling away), I applied for a secured card. As I started using that better, I applied for a few more cards, then for credit line increases every 6 months. My car insurance rates were tied to my credit score, so as soon as that improved, I switched companies and saved money there.

Mistakes I made:

Being in denial that I was poor. I didn't really look for resources on how to live while in poverty. This hurt me a lot because I ended up neglecting myself out of pride, which made my situation even worse.

Payday loans. I got stuck in the payday cycle for about 8 years. I wish I had sold more stuff or asked family for money to have never needed that initial loan. Once you are in the cycle, it becomes very difficult to get out.

Not going to a food bank.

Not asking for help sooner. And not just financial help.

Not getting out of abusive situations sooner. This is hard, and I sympathize with anyone in a similar position. But if you think it's time to move on, trust your gut - don't sacrifice yourself for people who don't care about you.

Ignoring debt collectors, because I was too afraid to negotiate for a plan. The IRS was so patient with me in the end, even after defaulting twice on plans.

Not considering getting a roommate to reduce costs, or not thinking of doing more things like shared meals with my fellow poor friends. Again, denial and pride. Humility is not a bad word and I wished I had learned it sooner.

Not changing jobs sooner. Curbing my hoarding and getting a better job are responsible for about 90% of me being where I am financially today.

Getting out of debt is a marathon. It took over a decade for me, and I am *still* feeling the sting of poverty. I wish you the best of luck. Folks are welcome to tack on specific tricks and strategies -- this is just a general outline of my particular journey.

[theweirdwideweb]

I'm on my second career path choice after disliking my first choice (both fields required schooling), and I'm finding that I also strongly dislike my second choice. I'll be 27 soon and I'm feeling like a failure. All I want is to make decent money and not be miserable. I really thought the fields I chose would be right for me when I chose them and had to learn the hard way that they weren't. I'm tired, tired of being a perpetual beginner and of spending so much time and energy on schooling and "figuring it out". I just want to be doing the thing and move forwards so I can focus on the things that really matter to me. Any advice for someone in this position?

It sounds really frustrating. I wish we lived in a world where a person was free to explore careers without attaching a university size price tag to it. Here's the deal though: 27 is not old. I know it feels old, but I promise you it's not. I'm 37 myself and exploring my options and I don't feel too old at all. Many people do it. Since you're asking for my advice, I think for now you can work the highest paying job you can stand and pay off debt. Personal fulfillment in one's career is something to be envied, but obviously not the reality for most people. Show up, cash your check, pay down debt, and invest time and energy into your relationships and hobbies. I imagine your disillusionment with the first two careers might have been caused by any number of factors: 1) A misunderstanding of what working the career looks like day to day. 2) A youthful ignorance to the realities of capitalism. 3) The personal transformation that occurs between the ages of 18-27 changed you into a person that's no longer interested in the things you once were. The good news is that your personality begins to settle as you approach 30. You know much better what you need and want, your limitations, and the limitations of the world around you. I think you'll find the career path you're looking for. Just buckle down, make some money, make a secure place for yourself financially and socially, then revisit the subject when your sense of self solidifies.

Now I never talk about this because it's plain rude and makes me look like a jackass. When I went to college at 18 I had a small fortune from my dead father's life insurance. $250,000 or right about there. I spent all that money in 4 years and landed flat on my ass at 22 with nothing. I worked assembly line, food court, drug dealing, writing for scam websites, retail, online sex work, and even sold buttons at sports games. It took me until I was 28 to go back to school and I had to take out student loans to do it. But by that time I knew what I wanted. That initial failure of losing all that money, in the end, gave me the life experience to make wise choices. It was soul crushing the entire time but even the poor can make due with friends and a sense of humor. Don't beat yourself up. The past is the past. You will be fine.

[batboyblog]

The Biden-⁠Harris Administration Advances Equity and Opportunity for Black Americans

Growing Economic Opportunity for Black Families and Communities Through the President’s legislative victories, including the American Rescue Plan (ARP), the Bipartisan Infrastructure Law (BIL), the CHIPS and Science Act, and the Inflation Reduction Act (IRA)—as well as the President’s historic executive orders on racial equity—the Biden-Harris Administration is ensuring that federal investments through the President’s landmark Investing in America agenda are equitably flowing to communities to address longstanding economic inequities that impact people’s economic security, health, and safety. And this vision is already delivering results. The Biden-Harris Administration has:

Powered a historic economic recovery that created 2.6 million jobs for Black workers—and achieved both the lowest Black unemployment rate on record and the lowest gap between Black and White unemployment on record.

Helped Black working families build wealth. Black wealth is up by 60% relative to pre-pandemic—the largest increase on record.

Cut in half the number of Black children living in poverty in 2021 through ARP’s Child Tax Credit expansion. This expansion provided breathing room to the families of over 9 million Black children.

Began reversing decades of infrastructure disinvestment, including with $4 billion to reconnect communities that were previously cut off from economic opportunities by building needed transportation infrastructure in underserved communities, including Black communities.

Connected an estimated 5.5 million Black households to affordable high-speed internet through the Affordable Connectivity Program, closing the digital divide for millions of Black families.

Helping Black-Owned Businesses Grow and Thrive Since the President entered office, a record 16 million new business applications have been filed, and the share of Black households owning a business has more than doubled. Building on this momentum, the Biden-Harris Administration has:

Achieved the fastest creation rate of Black-owned businesses in more than 30 years—and more than doubled the share of Black business owners from 2019 to 2022.

Improved the Small Business Administration’s (SBA) flagship loan guarantee programs to expand the availability of capital to underserved communities. Since 2020, the number and dollar value of SBA-backed loans to Black-owned businesses have more than doubled.

Launched a whole-of-government effort to expand access to federal contracts for small businesses, awarding a record $69.9 billion to small disadvantaged businesses in 2022.

Through Treasury’s State Small Business Credit Initiative, invested $10 billion to expand access to capital and invest in early-stage businesses in all 50 states—including $2.5 billion in funding and incentive allocations dedicated to support the provision of capital to underserved businesses with $1 billion of these funds to be awarded to the jurisdictions that are most successful in reaching underserved businesses.

Helped more than 37,000 farmers and ranchers who were in financial distress, including Black farmers and ranchers, stay on their farms and keep farming, thanks to resources provided through IRA. The IRA allocated $3.1 billion for the Department of Agriculture (USDA) to provide relief for distressed borrowers with at-risk agricultural operations with outstanding direct or guaranteed Farm Service Agency loans. USDA has provided over $2 billion and counting in timely assistance.

Supported small and disadvantaged businesses through CHIPS Act funding by requiring funding applicants to develop a workforce plan to create equitable pathways for economically disadvantaged individuals in their region, as well as a plan to support procurement from small, minority-owned, veteran-owned, and women-owned businesses.

Created the $27 billion Greenhouse Gas Reduction Fund that will invest in clean energy projects in low-income and disadvantaged communities.

Increasing Access to Housing and Rooting Out Discrimination in the Housing Market for Black Communities To increase access to housing and root out discrimination in the housing market, including for Black families and communities, the Biden-Harris Administration has:

Set up the first-ever national infrastructure to stop evictions, scaling up the ARP-funded Emergency Rental Assistance program in over 400 communities across the country, helping 8 million renters and their families stay in their homes. Over 40% of all renters helped are Black—and this support prevented millions of evictions, with the largest effects seen in majority-Black neighborhoods.

Published a proposed “Affirmatively Furthering Fair Housing” rule through the Department of Housing and Urban Development (HUD), which will help overcome patterns of segregation and hold states, localities, and public housing agencies that receive federal funds accountable for ensuring that underserved communities have equitable access to affordable housing opportunities.

Created the Interagency Task Force on Property Appraisal and Valuation Equity, or PAVE, a first-of-its-kind interagency effort to root out bias in the home appraisal process, which is taking sweeping action to advance equity and remove racial and ethnic bias in home valuations, including cracking down on algorithmic bias and empowering consumers to take action against misvaluation.

Taken additional steps through HUD to support wealth-generation activities for prospective and current homeowners by expanding access to credit by incorporating a borrower’s positive rental payment history into the mortgage underwriting process. HUD estimates this policy change will enable an additional 5,000 borrowers per year to qualify for an FHA-insured loan.

Ensuring Equitable Educational Opportunity for Black Students To expand educational opportunity for the Black community in early childhood and beyond, the Biden-Harris Administration has:

Approved more than $136 billion in student loan debt cancellation for 3.7 million Americans through various actions and launched a new student loan repayment plan—the Saving on a Valuable Education (SAVE) plan—to help many students and families cut in half their total lifetime payments per dollar borrowed.

Championed the largest increase to Pell Grants in the last decade—a combined increase of $900 to the maximum award over the past two years, affecting the over 60% of Black undergraduates who rely on Pell grants.

Fixed the Public Service Loan Forgiveness (PSLF) program, so all qualified borrowers get the debt relief to which they are entitled. More than 790,000 public servants have received more than $56 billion in loan forgiveness since October 2021. Prior to these fixes, only 7,000 people had ever received forgiveness through PSLF.

Delivered a historic investment of over $7 billion to support HBCUs.

Reestablished the White House Initiative on Advancing Educational Equity, Excellence, and Economic Opportunity for Historically Black Colleges and Universities and the White House Initiative on Advancing Educational Equity, Excellence, and Economic Opportunity for Black Americans.

Through ARP, secured $130 billion—the largest investment in public education in history—to help students get back to school, recover academically in the wake of the COVID-19 pandemic, and address student mental health.

Secured a 30% increase in child care assistance funding last year. Black families comprise 38% of families benefiting from federal child care assistance. Additionally, the President secured an additional $1 billion for Head Start, a program where more than 28% of children and pregnant women who benefit identify as Black.

Improving Health Outcomes for Black Families and Communities To improve health outcomes for the Black community, the Biden-Harris Administration has:

Increased Black enrollment in health care coverage through the Affordable Care Act by 49%—or by around 400,000—from 2020 to 2022, helping more Black families gain health insurance than ever before.

Through IRA, locked in lower monthly premiums for health insurance, capped the cost of insulin at $35 per covered insulin product for Medicare beneficiaries, and helped further close the gap in access to medication by improving prescription drug coverage and lowering drug costs in Medicare. 

Through ARP, expanded postpartum coverage from 60 days to 12 months in 43 states and Washington, D.C., covering 700,000 more women in the year after childbirth. Medicaid covers approximately 65% of births for Black mothers, and this investment is a critical step to address maternal health disparities.

Financed projects that will replace hundreds of thousands of lead pipes, helping protect against lead poisoning that disproportionately affects Black communities.

Provided 264 grants with $1 billion in Bipartisan Safer Communities Act funds to more than 40 states to increase the supply of school-based mental health professionals in communities with high rates of poverty.

Launched An Unprecedented Whole-Of-Government Equity Agenda to Ensure the Promise of America for All Communities, including Black Communities President Biden believes that advancing equity, civil rights, racial justice, and equal opportunity is the responsibility of the whole of our government, which will require sustained leadership and partnership with all communities. To make the promise of America real for every American, including for the Black Community, the President has:

Signed two Executive Orders directing the Federal Government to advance an ambitious whole-of-government equity agenda that matches the scale of the challenges we face as a country and the opportunities we have to build a more perfect union.

Nominated the first Black woman to serve on the Supreme Court and more Black women to federal circuit courts than every President combined.

Countered hateful attempts to rewrite history including: the signing of the Emmett Till Antilynching Act; establishing Juneteenth as a national holiday; and designating the Emmett Till and Mamie Till-Mobley National Monument in Mississippi and Illinois. The Department of the Interior has invested more than $295 million in infrastructure funding and historic preservation grants to protect and restore places significant to Black history.

Created the Justice40 Initiative, which is delivering 40% of the overall benefits of certain Federal investments in clean energy, affordable and sustainable housing, clean water, and other programs to disadvantaged communities that are marginalized by underinvestment and overburdened by pollution as part of the most ambitious climate, conservation, and environmental justice agenda in history.

Protecting the Sacred Right to Vote for Black Families and Communities Since their first days in office, President Biden and Vice President Harris have prioritized strengthening our democracy and protecting the sacred right to vote in free, fair, and secure elections. To do so, the President has:

Signed an Executive Order to leverage the resources of the Federal Government to provide nonpartisan information about the election process and increase access to voter registration. Agencies across the Federal Government are taking action to respond to the President’s call for an all-of-government effort to enhance the ability of all eligible Americans to participate in our democracy.

Repeatedly and forcefully called on Congress to pass essential legislation, including the John R. Lewis Voting Rights Advancement Act and the Freedom to Vote Act, including calling for an exception to the filibuster to pass voting rights legislation.

Increased funding for the Department of Justice’s Civil Rights Division, which has more than doubled the number of voting rights enforcement attorneys. The Justice Department also created the Election Threats Task Force to assess allegations and reports of threats against election workers, and investigate and prosecute these matters where appropriate.

Signed into law the bipartisan Electoral Reform Count Act, which establishes clear guidelines for our system of certifying and counting electoral votes for President and Vice President, to preserve the will of the people and to protect against the type of attempts to overturn our elections that led to the January 6 insurrection.

Addressing the Crisis of Gun Violence in Black Communities Gun violence has become the leading cause of death for all youth and Black men in America, as well as the second leading cause of death for Black women. To address this national crisis, the President has:

Launched the first-ever White House Office of Gun Violence Prevention, and taken more executive action on gun violence than any President in history, including investments in violence reduction strategies that address the root causes of gun violence and address emerging threats like ghost guns. In 2022, the Administration’s investments in evidence-based, lifesaving programs combined with aggressive action to stop the flow of illegal guns and hold shooters accountable yielded a 12.4% reduction in homicides across the United States.

Signed into the law the Bipartisan Safer Communities Act, the most significant gun violence reduction legislation enacted in nearly 30 years, including investments in violence reduction strategies and historic policy changes to enhance background checks for individuals under age 21, narrow the dating partner loophole in the gun background check system, and provide law enforcement with tools to crack down on gun trafficking.

Secured the first-ever dedicated federal funding stream for community violence intervention programs, which have been shown to reduce violence by as much as 60%. These programs are effective because they leverage trusted messengers who work directly with individuals most likely to commit gun violence, intervene in conflicts, and connect people to social, health and wellness, and economic services to reduce the likelihood of violence as an answer to conflict.

Enhancing Public Trust and Strengthening Public Safety for Black Communities Our criminal justice system must protect the public and ensure fair and impartial justice for all. These are mutually reinforcing goals. To enhance equal justice and public safety for all communities, including the Black community, the President has:

Signed a historic Executive Order to put federal policing on the path to becoming the gold standard of effectiveness and accountability by requiring federal law enforcement agencies to ban chokeholds; restrict no-knock warrants; mandate the use of body-worn cameras; implement stronger use-of-force policies; provide de-escalation training; submit use-of-force data; submit officer misconduct records into a new national accountability database; and restrict the sale or transfer of military equipment to local law enforcement agencies, among other things. 

Taken steps to right the wrongs stemming from our Nation’s failed approach to marijuana by directing the Departments of Health and Human Services and Justice to expeditiously review how marijuana is scheduled under federal law and in October 2022 issued categorical pardons of prior federal and D.C. offenses of simple possession of marijuana and in December 2023 pardoned additional offenses of simple possession and use of marijuana under federal and D.C. law. While white, Black, and brown people use marijuana at similar rates, Black and brown people have been arrested, prosecuted, and convicted at disproportionately higher rates.

Announced over 100 concrete policy actions as part of a White House evidence-informed, multi-year Alternatives, Rehabilitation, and Reentry Strategic Plan to safely reduce unnecessary criminal justice system interactions so police officers can focus on fighting crime; supporting rehabilitation during incarceration; and facilitating successful reentry.

FACT SHEET

[purplesaline]

In our current society (in North America and much of the western world) we can't completely avoid capitalism, but with some work and dedication we can reduce how much we have to participate in it.

Building community is hard, and it often requires a lot of up front investment in time and energy before you start seeing returns on that investment. I know not everyone is in a place where they can make those expenditures without getting anything back right away which is why it's even more important for those of us who can to start building sooner rather than later.

When you have a healthy, thriving community of people you can start withdrawing yourself more and more from reliance on a broken capitalist system. Yes there's mutual aid within a community but what's even more exciting to me is the option of participating in a barter/trade economy because it's so often more empowering for disabled folks and other marginalized groups that struggle in a capitalist economy.

And even more importantly than that, it's how we can survive a political landscape that is openly hostile to us. It's as impossible to avoid the fallout of the current political situation as it is to avoid participating in a capitalist economy, but being part of a strong and healthy community can at least help mitigate some of the harmful effects.

Neighbours sharing produce from their gardens can lessen the chances of food-borne illness as a result of lax food safety regulations.

Creating, maintaining, and sharing resources that help marginalized groups can help protect vulnerable people in your area when the larger resources are being dismantled or when people acting in bad faith are pretending to be a helpful organization.

Communities have more leverage (and resources) when it comes time to put pressure on local government to make progressive changes

As communities grow, empathy and compassion for the people in the community also spreads and that can help create allies against the bigotry and prejudice some of the community members face. When you're in community together with someone it's harder to depersonalize them. They aren't [insert oppressed group] member, they're the person who walks your dog and brings you beets in exchange for piano lessons, or the person who loaned you a spare tire so you could go to work and when you got home that evening they'd fixed your flat tire for free because they had the time and some spare material laying around from a repair they did on their own tire.

It's going to be really easy to give in to despair in the coming months and I'm not going to lie and say you can survive it. Some folks won't. I'm not going to lie and promise if you can make it through that things will get easier, they might not!

But if you can hang on I can promise you there's a chance things will get better, and I can promise you there's a whole heck of a lot of us out there trying to make sure it does get better. I can promise you that building community will help you survive when things start getting harder, and I can promise you that community can be a beacon of light in dark times, a bastion of hope in a desert of despair.

I know you're tired and I'll understand if you can't keep fighting, but I really hope you've got enough resilience left to hang on long enough to find a community to be part of.

[aydaptic]

as some one who struggles with depression and wants to be more involved in my passions and fandom but can’t because capitalism and depression I want to say that I genuinely love how passionate you are with your projects and interests

your like, not to be cheesy or anything but, one of my favorite creators/artists of all time,

your doing great, extra kudos to it all <3

Thank you so phcking much 😘

I relate. That might be hard to believe at 1st -- as I'm very active with my Reed900 WebComic -- but believe me... the situation allowing me to do this is temporary.

It started off as me working on my WebComic whenever I could whilst being a student with limited free time. I failed the class resulting in me essentially being 'free' for almost a year. I could start to focus on fanart then as I had student loans to give me some time. Ofc I have to start paying those student loans back soon.

Currently, I can only do this bc I have an incredible mother who lets me live at her place for free while I earn enough money to pay those loans. Since she knows about my struggles (depression, social anxiety, difficulty in expressing myself, etc.) she wants me to take as long as I need. Don't know where I'd be without her.

I'm also fortunate to get almost 20 bucks a month from generous ppl supporting me with donations. "20 bucks" might not sound like much to anyone but me, but if it weren't for them, I couldn't have begun to work on my future Reed900 TV series. It's just enough to finance a monthly subscription software I have to use for it.

That series is the only way I can legally earn money for my Reed900 work -- bc it'll happen through ad revenue/sponsors -- as taking payment for fanart is illegal. So I'm playing the (legal) long game. Until I get the 1st trailer out, and reach the standards YouTube requires for monetization, I'm not benefitting from anything Reed900. Aside from the joy of making the work itself and interacting with readers/viewers.

I appreciate your kind words and hope it gets better for you soon!

[dailyanarchistposts]

Anarchy can differ from other anti-capitalist ideologies in being a lived practice. If anarchy is the end goal, then it must be the means as well. This often turns out looking like working as little as possible, living communally with friends, getting by using scams, and experimenting with social relationships. Unfortunately, these more interesting and liberating tendencies based in subverting daily life are receding as gentrification closes off possibilities for living cheap in the cities. What remains in the U.S. anarchist space is activism. Lacking this daily life component, anarchy slides back into leftism.

May 68, the Situationists, and the Sixties counterculture brought ideas into anti-capitalism concerned with the first-person practice of everyday life. Rather than find and organize a supposed revolutionary subject, these tendencies start from the assumption that anyone can benefit from both present-day subversion and a revolution against capitalism and the state. They encourage rejecting imposed social roles, including those of worker, consumer, citizen, spouse, and student.

Though perhaps not apparent back then, these tendencies have a material basis. After World War Two, the new petite-bourgeois and upwardly mobile union workers in the US began moving out of urban areas. In Europe, economic crises and other political developments left vacant office and housing structures in certain large cities. It was in these contexts that said autonomous anti-capitalism found space for practice.

At risk of oversimplification, anarchy in the United States since the 80’s has been an echo of the Autonomen tendency originating in Berlin. Besides Situationist ideas and histories of revolt throughout Europe, why did this milieu begin there? After WW2, the city was militarized and split along Cold War lines, prompting many Germans to leave. After a global recession in the mid-Seventies, Germany did not return to its pre-recession unemployment levels. (Trading Economics) In Berlin there were financial scandals and an informal capital strike by big landlords in response to rent control laws. They actually had incentive to abandon their buildings and get low-interest loans from the city to build expensive condominiums. These factors led to there being hundreds of unoccupied housing and office buildings. (Katsiaficas, 89) Material conditions were ripe for large-scale squatting and, subsequently, the potential to quit work and experiment with the revolution of everyday life.

The story is similar in other places where the Autonomen were strong. Squatting in Hamburg began during the 1980-1982 recession. In Amsterdam, despite a housing shortage, there was no dearth of habitable space. According to The Economist, “Property speculators, for their part, have left property deliberately unoccupied to avoid carrying out repairs or in hope of an upturn in the market.” (The Economist 3/28/81) Squatters there would also take over empty office buildings. (The Economist 5/3/80) Similar, anarchy in the United States was present in New York City’s Lower East Side during the 80’s and 90’s where there were vacant buildings and a large squatting milieu.

We are now in the era of gentrification. The petite-bourgeois and capital are invading cities and driving up rent prices. Thus, the inspiring lifestyle of rejecting work seems less reasonable. Though it’s possible that property values will stagnate in suburban or rural areas, there are limits to what this anti-political tendency can do outside cities. Population density makes for a higher probability of encounter. This is why artistic, literary, and political scenes exist in cities. Contrary to capitalist ideals of entrepreneurship and genius, intellectual and creative milieus thrive with close contact to like-minded people. So, these Situationist-inspired ideas require two things: hubs of people, and the ability to take both time and space. Postwar urbanity fit the bill.

Admittedly, anarchists and the Autonomen aren’t purely lifestylists. Activism and outward-facing social struggle have always played a role in these milieus. But now that practices related to everyday life are diminishing, activism is the only thing anarchy can live through. Hence anarchy in the United States becoming infected by Leftist mores and values. We’ve seen an increase in charity initiatives, as well as the impression that anarchy is only a thing we practice when and where moments of crisis or struggle occur. The day-to-day emphasis is gone. Unless you count time spent at meetings, Leftism doesn’t care about daily life.

Anarchist scenes have retreated in large cities, and we are relocating to college towns that are not yet as expensive to live in. People new to radical politics are often calling themselves “leftists” now. Could it be that, due to anarchy’s inability to produce visibly interesting and liberating lifestyles, anarchy doesn’t seem that different from communism or socialism? Is it now just another button to wear on the coat, an idea that no longer escapes the cave of opinion into the sun of daily life?

Identity has become prominent in anarchist and similar milieus recently. Because the potential for altering the routines of life are diminishing, the desire to grab hold of the reins of ones’ existence look elsewhere. This has led to an emphasis on political, gender, sexual, and racial identities. In contrast, the Autonomen collapsed identities into one. People who used to identify as communists, socialists, libertarians, anarchists, etc, just became Autonomen. The potential for transforming daily life made identity irrelevant.

This reduction of possibility also explains the recent replacement of the Situationists with Max Stirner as the primary theoretical reference point for post-left anarchy. Stirner is more apt for the isolated individual who can no longer go to a city and find a milieu, or just drop out. Stirner writes:

Given up as serf to a master, I think only of myself and my advantage; his blows strike me indeed, I am not free from them; but I endure them only for my benefit, perhaps in order to deceive him and make him secure by the semblance of patience, or, again, not to draw worse upon myself by contumacy. But, as I keep my eye on myself and my selfishness, I take by the forelock the first good opportunity to trample the slaveholder into the dust. (Stirner)

This reads as someone who is stuck in a bad situation, with no room to maneuver. Their mind is liberated, but their body isn’t. The situation is reversed in this quote from Situationist Raoul Vaneigem:

People who talk about revolution and class struggle without referring explicitly to everyday life, without understanding what is subversive about love and what is positive in the refusal of constraints, such people have a corpse in their mouth. (Vaneigem)

He writes about refusing constraints as if it’s just that easy, as if it’s the body that’s free, and the mind trapped.

This is not a call to abandon the Situationists or dropout culture. Far from it, this piece was written with two goals in mind:

To provide a materially-based theory of anarchy’s hollowing that complements my previous aesthetic analysis.

To give a clear idea of newer obstacles and limits to the subversion of daily life, in the hope that this will help us better fight against or maneuver around them.

Works Cited

Economist, The (London, England), “Swat the Squatters”, Amsterdam Correspondent. Saturday, March 28, 1981, Vol. 278, Issue 7178, p.46.

Economist, The (London, England), “Will to Rule”, Amsterdam Correspondent. Saturday, May 3, 1980, Vol. 275, Issue 7131, p.77.)

Katsiaficas, George. The Subversion of Politics: European Autonomous Social Movements and the Decolonization of Everyday Life. AK Press (California, USA), 2006. 9781904859536

Stirner, Max. The Ego and His Own. Benjamin Tucker (USA), 1907. Retrieved from: http://theanarchistlibrary.org/library/max-stirner-the-ego-and-his-own

Trading Economics – “Germany Unemployment Rate”, https://tradingeconomics.com/germany/unemployment-rate

Vaneigem, Raoul. Treatise on Etiquette for the Younger Generations. LBC Books (California, USA) 2012. 09946061017

[mariacallous]

In the old ranchlands of South Texas, dormant uranium mines are coming back online. A collection of new ones hope to start production soon, extracting radioactive fuel from the region’s shallow aquifers. Many more may follow.

These mines are the leading edge of what government and industry leaders in Texas hope will be a nuclear renaissance, as America’s latent nuclear sector begins to stir again.

Texas is currently developing a host of high-tech industries that require enormous amounts of electricity, from cryptocurrency mines and artificial intelligence to hydrogen production and seawater desalination. Now, powerful interests in the state are pushing to power it with next-generation nuclear reactors.

“We can make Texas the nuclear capital of the world,” said Reed Clay, president of the Texas Nuclear Alliance, former chief operating officer for Texas governor Greg Abbott’s office and former senior counsel to the Texas Office of the Attorney General. “There’s a huge opportunity.”

Clay owns a lobbying firm with heavyweight clients that include SpaceX, Dow Chemical, and the Texas Blockchain Council, among many others. He launched the Texas Nuclear Alliance in 2022 and formed the Texas Nuclear Caucus during the 2023 state legislative session to advance bills supportive of the nuclear industry.

The efforts come amid a national resurgence of interest in nuclear power, which can provide large amounts of energy without the carbon emissions that warm the planet. And it can do so with reliable consistency that wind and solar power generation lack. But it carries a small risk of catastrophic failure and requires uranium from mines that can threaten rural aquifers.

In South Texas, groundwater management officials have fought for almost 15 years against a planned uranium mine. Administrative law judges have ruled in their favor twice, finding potential for groundwater contamination. But in both cases those judges were overruled by the state’s main environmental regulator, the Texas Commission on Environmental Quality.

Now local leaders fear mining at the site appears poised to begin soon as momentum gathers behind America’s nuclear resurgence.

In October, Google announced the purchase of six small nuclear reactors to power its data centers by 2035. Amazon did the same shortly thereafter, and Microsoft has said it will pay to restart the Three Mile Island plant in Pennsylvania to power its facilities. Last month, President Joe Biden announced a goal to triple US nuclear capacity by 2050. American companies are racing to license and manufacture new models of nuclear reactors.

“It’s kind of an unprecedented time in nuclear,” said James Walker, a nuclear physicist and cofounder of New York-based NANO Nuclear Energy, a startup developing small-scale “microreactors” for commercial deployment around 2031.

The industry’s reemergence stems from two main causes, he said: towering tech industry energy demands and the war in Ukraine.

Previously, the US relied on enriched uranium from decommissioned Russian weapons to fuel its existing power plants and military vessels. When war interrupted that supply in 2022, American authorities urgently began to rekindle domestic uranium mining and enrichment.

“The Department of Energy at the moment is trying to build back a lot of the infrastructure that atrophied,” Walker said. “A lot of those uranium deposits in Texas have become very economical, which means a lot of investment will go back into those sites.”

In May, the White House created a working group to develop guidelines for deployment of new nuclear power projects. In June, the Department of Energy announced $900 million in funding for small, next-generation reactors. And in September it announced a $1.5 billion loan to restart a nuclear power plant in Michigan, which it called “a first-of-a-kind effort.”

“There’s an urgent desire to find zero-carbon energy sources that aren’t intermittent like renewables,” said Colin Leyden, Texas state director of the Environmental Defense Fund. “There aren’t a lot of options, and nuclear is one.”

Wind and solar will remain the cheapest energy sources, Leyden said, and a build-out of nuclear power would likely accelerate the retirement of coal plants.

The US hasn’t built a nuclear reactor in 30 years, spooked by a handful of disasters. In contrast, China has grown its nuclear power generation capacity almost 900 percent in the last 20 years, according to the World Nuclear Association, and currently has 30 reactors under construction.

Last year, Abbott ordered the state’s Public Utility Commission to produce a report “outlining how Texas will become the national leader in using advanced nuclear energy.” According to the report, which was issued in November, new nuclear reactors would most likely be built in ports and industrial complexes to power large industrial operations and enable further expansion.

“The Ports and their associated industries, like Liquified Natural Gas (LNG), carbon capture facilities, hydrogen facilities and cruise terminals, need additional generation sources,” the report said. Advanced nuclear reactors “offer Texas’ Ports a unique opportunity to enable continued growth.”

In the Permian Basin, the report said, reactors could power oil production as well as purification of oilfield wastewater “for useful purposes.” Or they could power clusters of data centers in Central and North Texas.

Already, Dow Chemical has announced plans to install four small reactors at its Seadrift plastics and chemical plant on a rural stretch of the middle Texas coast, which it calls the first grid-scale nuclear reactor for an industrial site in North America.

“I think the vast majority of these nuclear power plants are going to be for things like industrial use,” said Cyrus Reed, a longtime environmental lobbyist in the Texas Capitol and conservation director for the state’s Sierra Club chapter. “A lot of large industries have corporate goals of being low carbon or no carbon, so this could fill in a niche for them.”

The PUC report made seven recommendations for the creation of public entities, programs, and funds to support the development of a Texas nuclear industry. During next year’s state legislative session, legislators in the Nuclear Caucus will seek to make them law.

“It’s going to be a great opportunity for energy investment in Texas,” said Stephen Perkins, Texas-based chief operating officer of the American Conservation Coalition, a conservative environmental policy group. “We’re really going to be pushing hard for [state legislators] to take that seriously.”

However, Texas won’t likely see its first new commercial reactor come online for at least five years. Before a build-out of power plants, there will be a boom at the uranium mines, as the US seeks to reestablish domestic production and enrichment of uranium for nuclear fuel.

Texas Uranium

Ted Long, a former commissioner of Goliad County, can see the power lines of an inactive uranium mine from his porch on an old family ranch in the rolling golden savannah of South Texas. For years the mine has been idle, waiting for depressed uranium markets to pick up.

There, an international mining company called Uranium Energy Corp. plans to mine 420 acres of the Evangeline Aquifer between depths of 45 and 404 feet, according to permitting documents. Long, a dealer of engine lubricants, gets his water from a well 120 feet deep that was drilled in 1993. He lives with his wife on property that’s been in her family since her great-grandfather emigrated from Germany.

“I’m worried for groundwater on this whole Gulf Coast,” Long said. “This isn’t the only place they’re wanting to do this.”

As a public official, Long fought the neighboring mine for years. But he found the process of engaging with Texas’ environmental regulator, the Texas Commission on Environmental Quality, to be time-consuming, expensive, and ultimately fruitless. Eventually, he concluded there was no point.

“There’s nothing I can do,” he said. “I guess I’ll have to look for some kind of system to clean the water up.”

The Goliad mine is the smallest of five sites in South Texas held by UEC, which is based in Corpus Christi. Another company, enCore Energy, started uranium production at two South Texas sites in 2023 and 2024, and hopes to bring four more online by 2027.

Uranium mining goes back decades in South Texas, but lately it’s been dormant. Between the 1970s and 1990s, a cluster of open pit mines harvested shallow uranium deposits at the surface. Many of those sites left a legacy of aquifer pollution.

TCEQ records show active cases of groundwater contaminated with uranium, radium, arsenic, and other pollutants from defunct uranium mines and tailing impoundment sites in Live Oak County at ExxonMobil’s Ray Point site, in Karnes County at Conoco-Phillips’ Conquista Project, and at Rio Grande Resources’ Panna Maria Uranium Recovery Facility.

All known shallow deposits of uranium in Texas have been mined. The deeper deposits aren’t accessed by traditional surface mining, but rather a process called in-situ mining, in which solvents are pumped underground into uranium-bearing aquifer formations. Adjacent wells suck back up the resulting slurry, from which uranium dust will be extracted.

Industry describes in-situ mining as safer and more environmentally friendly than surface mining. But some South Texas water managers and landowners are concerned.

”We’re talking about mining at the same elevation as people get their groundwater,” said Terrell Graham, a board member of the Goliad County Groundwater Conservation District, which has been fighting a proposed uranium mine for almost 15 years. “There isn’t another source of water for these residents.”

“It Was Rigged, a Setup”

On two occasions, the district has participated in lengthy hearings and won favorable rulings in Texas’ administrative courts supporting concerns over the safety of the permits. But both times, political appointees at the TCEQ rejected judges’ recommendations and issued the permits anyway.

“We’ve won two administrative proceedings,” Graham said. “It’s very expensive, and to have the TCEQ commissioners just overturn the decision seems nonsensical.”

The first time was in 2010. UEC was seeking initial permits for the Goliad mine, and the groundwater conservation district filed a technical challenge claiming that permits risked contamination of nearby aquifers.

The district hired lawyers and geological experts for a three-day hearing on the permit in Austin. Afterwards, an administrative law judge agreed with some of the district’s concerns. In a 147-page opinion issued in September 2010, an administrative law judge recommended further geological testing to determine whether certain underground faults could transmit fluids from the mining site into nearby drinking water sources.

“If the Commission determines that such remand is not feasible or desirable then the ALJ recommends that the Mine Application and the PAA-1 Application be denied,” the opinion said.

But the commissioners declined the judge’s recommendation. In an order issued March 2011, they determined that the proposed permits “impose terms and conditions reasonably necessary to protect fresh water from pollution.”

“The Commission determines that no remand is necessary,” the order said.

The TCEQ issued UEC’s permits, valid for 10 years. But by that time, a collapse in uranium prices had brought the sector to a standstill, so mining never commenced.

In 2021, the permits came up for renewal, and locals filed challenges again. But again, the same thing happened.

A nearby landowner named David Michaelsen organized a group of neighbors to hire a lawyer and challenge UEC’s permit to inject the radioactive waste product from its mine more than half a mile underground for permanent disposal.

“It’s not like I’m against industry or anything, but I don’t think this is a very safe spot,” said Michaelsen, former chief engineer at the Port of Corpus Christi, a heavy industrial hub on the South Texas Coast. He bought his 56 acres in Goliad County in 2018 to build an upscale ranch house and retire with his wife.

In hearings before an administrative law judge, he presented evidence showing that nearby faults and old oil well shafts posed a risk for the injected waste to travel into potable groundwater layers near the surface.

In a 103-page opinion issued April 2024, an administrative law judge agreed with many of Michaelsen’s challenges, including that “site-specific evidence here shows the potential for fluid movement from the injection zone.”

“The draft permit does not comply with applicable statutory and regulatory requirements,” wrote the administrative law judge, Katerina DeAngelo, a former assistant attorney general of Texas in the environmental protection division. She recommended “closer inspection of the local geology, more precise calculations of the [cone of influence], and a better assessment of the faults.”

Michaelsen thought he had won. But when the TCEQ commissioners took up the question several months later, again they rejected all of the judge’s findings.

In a 19-page order issued in September, the commission concluded that “faults within 2.5 miles of its proposed disposal wells are not sufficiently transmissive or vertically extensive to allow migration of hazardous constituents out of the injection zone.” The old nearby oil wells, the commission found, “are likely adequately plugged and will not provide a pathway for fluid movement.”

“UEC demonstrated the proposed disposal wells will prevent movement of fluids that would result in pollution” of an underground source of drinking water, said the order granting the injection disposal permits.

“I felt like it was rigged, a setup,” said Michaelsen, holding his 4-inch-thick binder of research and records from the case. “It was a canned decision.”

Another set of permit renewals remains before the Goliad mine can begin operation, and local authorities are fighting it too. In August, the Goliad County Commissioners Court passed a resolution against uranium mining in the county. The groundwater district is seeking to challenge the permits again in administrative court. And in November, the district sued TCEQ in Travis County District Court seeking to reverse the agency’s permit approvals.

Because of the lawsuit, a TCEQ spokesperson declined to answer questions about the Goliad County mine site, saying the agency doesn’t comment on pending litigation.

A final set of permits remains to be renewed before the mine can begin production. However, after years of frustrations, district leaders aren’t optimistic about their ability to influence the decision.

Only about 40 residences immediately surround the site of the Goliad mine, according to Art Dohmann, vice president of the Goliad County Groundwater Conservation District. Only they might be affected in the near term. But Dohmann, who has served on the groundwater district board for 23 years, worries that the uranium, radium, and arsenic churned up in the mining process will drift from the site as years go by.

“The groundwater moves. It’s a slow rate, but once that arsenic is liberated, it’s there forever,” Dohmann said. “In a generation, it’s going to affect the downstream areas.”

UEC did not respond to a request for comment.

Currently, the TCEQ is evaluating possibilities for expanding and incentivizing further uranium production in Texas. It’s following instruction given last year, when lawmakers with the Nuclear Caucus added an item to TCEQ’s biannual budget ordering a study of uranium resources to be produced for state lawmakers by December 2024, ahead of next year’s legislative session.

According to the budget item, “The report must include recommendations for legislative or regulatory changes and potential economic incentive programs to support the uranium mining industry in this state.”

[hazel-of-sodor]

The crop can’t get any smaller, but who is this?

Shes the C&HR's mallet, designed by Gresley himself.

I can't find the original lore post, so heres her lore

By the 1930s, the Chester and Holyhead mainline from Holyhead to Krestaen was overloaded. The railway's faithful class 5 2-8-0s rantheir goods trains as fast as was safe, but still struggled to keep up. Longer trains were not an option, as the existing trains already filled the passing sidings with mere feet to spare. The sidings could not be expanded without digging into cliffs along the line, which would risk landslides.Another route was needed. The existing mainline crossed the water at Holyhead onto Gwylan Island at Castell Hafan, then turned Northwest, climbing though farmland, plains, and forests in the heart of the Island before reaching the mountains. From there it climbed up the Llyn Pass to the capital, Krestaen. It was the clearest and best path to the city, but the path was narrow for long stretches in many places, taken up by the river Glaw. However, another line of the C&HR already came within 20 miles of the valley that held the capital city. A line ran North from Castell Hafan along the coast to the North Western port of Llanw.A path already existed between Krestaen and Llanw, and it would take minimal work to prepare it for track. Why then had the cities not already been connected then? Diawl's Bryn. The Devil's Hill. Climbing North, Northeast from the valley, the grade wound its way between the mountains with an average grade of 1 in 45 or 2.22%, in some places reaching 1 in 35 or 2.86% for short distances. For six grueling miles, the line climbed the mountain pass, before descending the 1 in 90 grade to Llanw. From there it was mostly flat running to Castell Haffan. It wasn't the steepest grade in Wales, nor the longest, but the combination was too great for the railway's existing fleet. The C&HR turned to May Traction and Railworks for an engine that could conquer the grade. A freight engine capable of making the run from Krestaen through the pass to Castell Haffan unaided. MTRW was forced to turn away the order, as such a monster was beyond their ability to manufacture. Next the C&HR turned to their mainland neighbor, the London, Midland, and Scotland Railway. The two railways had maintained a polite if distant working relationship since grouping, the the LMS running trains on the C&HR as far as Holyhead, and the C&HR running am express to London on LMS metals The LMS sent their number 4997, a 2-6-0+0-6-2 Garratt, for trials. While the engine certainly possessed the power required, the classes Achilles heel soon made itself known. The axle box design on the garratts was prone to hotboxes above 15 mph, far below the C&HR's running speed. Nonetheless, 4997 was purchased from the LMS to serve as banker until a suitable engine could be found. Several months later, a member of the C&HR board witnessed LNER U1 No.2396 banking at the Worsborough Incline . a 2-8-0+0-8-2, the U1 was the most powerful engine in Britain up to that point, and her frames were based on the LNER O4, the class the C&HR named the Class 5. The C&HR approached the LNER and its CME, Sir Nigel Gresley with their problem. The mention of the LMS's loan of 4997, and the subsequent chance to out-perform their rival, saw the LNER board order Gresley to design an engine capable of the task. Gresley spent a week watching the trains working Diawl's Bryn, before approaching the C&HR with his proposal. Rather than a Garratt like 2396, he wanted to design a simple mallet like those used in the United States. Whether Gresley truly believed a simple articulated was better suited for the C&HR than a garratt design, or if he simply wanted the chance to design such an engine is unknown; in either case, the C&HR approved the proposal. In Autumn 1933, Gresley presented the finalized design; a massive 2-6-6-4 locomotive which he dubbed the KM1.

Beyer Peacock was contracted to build the engine, and in early 1934, the KM1 left the works. With 6 cylinders and 76,000lbs of Tractive effort, she was the most powerful locomotive in Britain. She emerged in LNER Apple Green, shining in the morning light. The C&HR board, present to witness the unveiling of the engine, held a vote, and unanimously voted to name her Behemoth. Too large to travel by rail, she was delivered by sea to the harbor at Castell Haffan. Hundreds gathered to see the beast lowered onto the metals, even cold and with her fire unlit, she was an imposing presence. Two class 5 2-8-0s pulled her to Krestaen, where her fire was lit.A pair of American turntables had been purchased and installed at Krestaen and Castall Hafan in anticipation of her arrival, allowing her to be easily turned for the run to Castell Hafan. A line of 50 slate laden wagons waited as the engine backed down for her trail run, a pair of class 5's uncoupled at the back to bank the train in case of issues with the new engine. This would prove unnecessary. Behemoth charged the grade with a whistle, as was tradition on the C&HR, she was fitted with an American hooter whistle, and the echo thundered over the hills.the train had reached 30 mph when it reached the base, and the drivers of the two 2-8-0s eased their regulators, expecting the train to slow. To their shock, the train began to pull away from them, as Behemoth accelerated up the incline. They quickly caught back up, but kept having to increase the regulator as the monster at the front surged up the rails with a will. By the crest, Behemoth had broken 50mph, and the two bankers were left behind as she began the descent. Extra guard vans had been added to serve as extra braking power, but the C&HR had entrusted the 2-6-6-4 to a veteran engineer, and she skillfully kept the train in check. Behemoth would arrive in Castell Haffan ten minutes early to the cheers of the island's railfans. An order for a second engine was placed within the week, and Behemoth was soon joined by her sister Leviathan. Her arrival allowed 4997 to be sent to Beyer Peacock for a rebuild, emerging with new axleboxes, allowing her to join the two sisters on the run. By the advent of the second world war, the three engines were beginning to strain, so a third sister, Goliath, would be delivered in 1940. After the war, the facilities of MTRW would be expanded, and the C&HR would take delivery of a new Garratt design. Despite this, the three sisters would remain in service, keeping pace with the younger engines with ease.

[probablyasocialecologist]

Marxism has its own critique of growth, which connects to capital’s compulsion to grow—think of concepts such as surplus value, accumulation, formal and real subsumption, expanded reproduction, and imperialism—all concepts of growth. Economically, capital is dependent on surplus value generation—the basic and most essential form of growth under capitalism—without which there can be no interest payments on loans, no rental payments, no profits, and hence no investment, hence crisis. Moreover, the stabilisation of social conflicts under capitalism requires a growth that goes beyond capitalists’ requirements: there must be a taxable or otherwise redistributable surplus to pay for police and courts, and welfare and wage rises to otherwise restive workers. But this only amounts to a critique of capitalist growth and how growth is leveraged to secure capitalist hegemony.

From an ecological perspective, degrowth is much more radical. It stresses that compound economic growth, often considered in terms of ecological economics as material and energy throughput, is ecologically destructive and unsustainable, also when managed on a non-capitalist basis. Thus, degrowthers have done impressive amounts of work establishing the possibility and desirability of non-growth economics and modes of life. You can see why degrowth becomes a reference point for many Marxists and communists who take the ecosystem crisis seriously. In fact, we may question if there can be any renewal of communism, which does not build on the problematic of degrowth (i.e. the ecological critique of growth and the question of post-growth economics and modes of life).

Conversely, Marxism and communism have important things to contribute to degrowth. Degrowth tends to speak in a straightforwardly normative register, stressing the different socio-economic arrangements that are necessary and desirable to end the destruction of climate and ecosystems. But while it is true that a phase-out of growth is necessary, and that it is desirable that it is managed and planned, this does not prove that an orderly phase-out of growth is possible. Given capitalism’s dependence on growth, it is hard to imagine any absence of growth, including degrowth, which will not be highly tumultuous and conflictual. And while scientific necessity has clearly inspired many people to direct action, and has fostered experiments with sustainability, it is very far from moving a decisive number of people. Here a core lesson of communist politics is that broad social transformations from below are unlikely except where people’s faith in and reliance on the status quo are shaken, and they become open to reimagining survival and who they are in the world. Another lesson is that as long as growth means jobs, wages, livelihoods, welfare, social peace and the promise of progress for vast numbers of people, it will remain a beacon of hope or nostalgia. Except, that is, if the absence of growth is accompanied by deep transformations of economic relations, from expropriations of wealth of the rich, to the socialization of housing, land, utilities, and core factories. In short, it seems degrowth is unlikely to get mass support without communist measures.

Nick Dyer-Witheford, Bue Rübner Hansen and Emanuele Leonardi, Degrowth Communism: Part I

[maxwellochieng]

Title: "Gen Z Hustle: How Side Gigs and Digital Innovation are Shaping Kenya's Youth Culture"

Introduction In the bustling streets of Nairobi, young Kenyans are busy making their mark in innovative ways that go beyond traditional careers. The rise of digital technology and Kenya’s rapidly evolving economic landscape have cultivated a unique “side-hustle culture�� among Generation Z, who are actively reshaping work, community, and creativity. From influencing on social media to e-commerce and even venturing into cryptocurrency, these young hustlers are defining a new Kenyan dream that is all about resilience, creativity, and financial independence.

Side-Hustles in the Age of Social Media One of the most prominent changes in Kenya’s youth culture is the significant shift from relying solely on formal employment to embracing digital side hustles. On Instagram, Twitter, and TikTok, young Kenyans are building personal brands as influencers, marketers, and content creators. This trend is largely driven by the power of social media platforms, where personalities like Azziad Nasenya and Flaqo have transformed social media virality into flourishing careers.

Platforms like TikTok and Instagram allow young Kenyans to reach broad audiences with content that resonates—comedy skits, motivational videos, makeup tutorials, and dance challenges. With brands now recognizing the influence of digital personalities, many Kenyan influencers are finding opportunities to collaborate with companies for product endorsements and advertisements. These partnerships bring a sense of visibility and empowerment that has been less accessible in traditional industries.

For 24-year-old David Mwangi, a content creator and social media strategist, the allure of influencing lies in its accessibility and potential for growth. “You don’t need a big budget to get started; you just need creativity,” he explains. David’s experience reflects the sentiment of many Gen Z Kenyans who see social media not just as a pastime but as a pathway to sustainable income.

The E-commerce Boom and the Rise of Small Online Shops In addition to influencing, e-commerce has become a major outlet for Kenyan youth looking to earn extra income. Platforms like Jumia, Kilimall, and Facebook Marketplace provide easy avenues for young entrepreneurs to start online businesses, selling anything from thrifted clothes and beauty products to locally made crafts and accessories. Kenya’s mobile payment system, M-Pesa, has also simplified transactions, allowing e-commerce to thrive even without widespread use of credit cards.

With rising unemployment rates and limited job opportunities, many young Kenyans are using digital tools to build businesses from scratch. Some youth groups have formed collectives to sell items in bulk, often buying directly from manufacturers or importing from abroad to resell at a profit. This trend, known locally as biashara za mtaa (local businesses), has created a bustling informal economy that operates largely online.

For 23-year-old Aisha Ahmed, the journey started with a Ksh 5,000 loan from her older brother. Now, she runs an online shop that specializes in selling affordable, stylish handbags through Instagram. “People think starting a business requires a lot of capital, but what really matters is finding something people need and building a brand around it,” she says.

Crypto, Forex, and the Financial Revolution Another intriguing aspect of Kenya’s Gen Z hustle culture is the growing interest in cryptocurrency and Forex trading. Although controversial, the allure of quick profits and financial independence has drawn many young people into these new financial frontiers. Kenya’s tech-savvy youth have quickly adapted to apps like Binance and Paxful, learning the intricacies of cryptocurrency trading and often mentoring each other online.

Crypto’s appeal among Gen Zers lies in its promise of empowerment and financial freedom—an opportunity to circumvent traditional banking systems. However, the lack of regulation and high risks involved have left many young Kenyans facing steep learning curves and financial losses. Despite the volatility, online communities and forums dedicated to Forex and crypto trading continue to grow, attracting young people with a “high risk, high reward” mentality.

Karanja, a 22-year-old business student, views crypto as a game-changer: “It’s the future of money,” he asserts. He has spent months learning about blockchain technology and considers it a long-term investment. Karanja’s experience highlights the optimism surrounding digital currency in Kenya, despite the risks and controversies.

Challenges Facing the Digital Hustlers While side-hustle culture has opened new opportunities, it comes with significant challenges. The competitive nature of digital influencing and e-commerce can be cutthroat, with many young people finding it hard to stand out. Mental health issues, such as stress and burnout, are becoming common among young hustlers as they juggle multiple gigs alongside their education or formal jobs.

For those in crypto and Forex, the risks are even higher. Cases of scams and Ponzi schemes have left many young investors in debt, leading some to lose faith in the industry altogether. The lack of regulation around cryptocurrency also means that youth are vulnerable to fraudsters, who often take advantage of their desire for quick financial gains.

The New Face of the Kenyan Dream Despite the challenges, side-hustle culture has become a defining feature of Gen Z in Kenya. This trend signifies a shift in how young Kenyans view success, replacing the traditional path of formal employment with a vision that values independence, innovation, and adaptability. It’s a cultural revolution rooted in digital innovation, resilience, and the determination to succeed on their own terms.

For Kenyan youth, the hustle is more than just a means to an end—it’s a way to redefine their place in society. As Aisha puts it, “It’s not just about making money; it’s about taking control of your future.”

[financesevaloan]

Business Loan Apply Online

A business loan is given to enterprises by various banks and financial invarious banks and financial institutions to fulfill titutions to fulfill their financial needs. This type of loan is obtained by entrepreneurs, SMEs, MSMEs, professional, non-professional, financial needs. This type of business loan apply online is obtained by entrepreneurs, SMEs, MSMEs, professional, non-professional, business owners and other business entities.

Business loans are categorized into 2 different categories named as secured and unsecured loans, both banks NBFCs (Non-Banking Financial Companies) are offering such loans in the form of working capital loan, term loan, overdraft facility, bank guarantee, letter of credit, machinery loan, term loan, bill discounting, equipment financing and business loan requirements under government schemes.  

The loan amount offered up to Rs. 5 crores at an interest rate of 14.50% onwards, depending on the profile of the borrower.

Steps to apply online for a business loan

Step – 1: Visit the official website of the preferred bank and verify your eligibility online.

Step – 2: With the help of EMI calculator of business loan, know your monthly payable amount.

Step – 3: After knowing your EMI, fill in the online application form.

Step – 4: Enter all the required details and enter the needed loan amount.

Step – 5: Then click on submit.

Step – 6: Representatives will contact you after verifying your eligibility for further formalities.

[colonelrajyavardhanrathore]

Rajasthan MSME Policy 2024: A New Era for Entrepreneurs by Col Rajyavardhan Rathore

In a landmark move to empower small businesses and foster economic growth, the Rajasthan MSME Policy 2024 has been introduced under the guidance of Colonel Rajyavardhan Rathore. This policy aims to position Rajasthan as a leader in the Micro, Small, and Medium Enterprises (MSME) sector by providing robust support, financial incentives, and a conducive ecosystem for entrepreneurs.

The Importance of MSMEs in Rajasthan

MSMEs are the backbone of Rajasthan’s economy, contributing significantly to employment and GDP. With their presence in sectors like handicrafts, textiles, agriculture, and technology, MSMEs have immense potential to drive growth and innovation. The Rajasthan MSME Policy 2024 seeks to address challenges faced by small businesses and unlock their full potential.

Vision of Col Rajyavardhan Rathore

Col Rajyavardhan Rathore envisions MSMEs as engines of Rajasthan’s economic progress. Speaking at the launch, he remarked: “MSMEs are not just businesses; they are dreams of hardworking individuals. This policy is a promise to support their aspirations and make Rajasthan a hub for entrepreneurial excellence.”

Key Objectives of the Rajasthan MSME Policy 2024

Economic Empowerment: Strengthen the MSME sector to boost Rajasthan’s GDP.

Employment Generation: Create sustainable jobs across urban and rural areas.

Ease of Doing Business: Simplify processes and remove bureaucratic hurdles.

Skill Development: Equip entrepreneurs and workers with the latest skills.

Sustainability: Promote green practices and energy-efficient solutions.

Highlights of the Rajasthan MSME Policy 2024

1. Financial Support

Subsidies and Incentives: Up to 50% subsidy on capital investment for new enterprises.

Low-Interest Loans: Special credit schemes through state-backed financial institutions.

Tax Exemptions: Relaxation in GST and other state taxes for a specified period.

2. Infrastructure Development

Industrial Clusters: Development of MSME-dedicated zones in key cities like Jaipur, Udaipur, and Jodhpur.

Common Facility Centers (CFCs): Shared spaces with advanced tools and technology.

Digital Infrastructure: High-speed internet and IT support for MSMEs.

3. Skill Training and Capacity Building

Partnerships with educational institutions to introduce MSME-focused courses.

Regular workshops on digital marketing, export readiness, and quality control.

Mentorship Programs with industry experts to guide budding entrepreneurs.

4. Streamlining Processes

Single-Window Clearance: Speedy approvals for setting up businesses.

Simplified Regulations: Reduction in compliance requirements for small enterprises.

Digital Portals: Online systems for registrations, tax filing, and grievance redressal.

5. Promoting Innovation

Research and Development Grants: Funding for MSMEs working on innovative products and solutions.

Technology Adoption: Subsidies for adopting automation and digital tools.

Startup Incubation Centers: Support for MSMEs transitioning into startups.

6. Export Promotion

Global Market Access: Partnerships with trade bodies for export opportunities.

Trade Fairs and Expos: Participation in national and international exhibitions.

Export Subsidies: Financial support for logistics and international marketing.

Sectors Targeted by the Policy

1. Handicrafts and Textiles

Strengthening Rajasthan’s traditional crafts through modern techniques and marketing support.

2. Agri-Based Industries

Encouraging food processing, organic farming, and value-added products.

3. Renewable Energy

Promoting MSMEs in solar panel manufacturing and other green technologies.

4. Technology and IT

Support for tech startups and MSMEs working in AI, software, and digital solutions.

Impact of the Rajasthan MSME Policy 2024

Economic Growth

An expected 30% rise in MSME contributions to the state GDP by 2026.

Increased revenue through exports and enhanced domestic production.

Job Creation

2 lakh new jobs to be created in urban and rural areas.

Empowerment of women and marginalized communities through focused programs.

Ease of Doing Business

Simplified processes to attract 5,000+ new MSME registrations annually.

Global Recognition

Enhanced visibility for Rajasthan’s MSMEs in international markets.

Col Rathore’s Commitment to MSMEs

Col Rajyavardhan Rathore has always championed policies that drive progress and innovation. His leadership in shaping the MSME Policy 2024 reflects his belief in the entrepreneurial spirit of Rajasthan.

In his words: “With this policy, we are not just supporting businesses; we are building dreams, livelihoods, and a prosperous Rajasthan.”

A Bright Future for MSMEs in Rajasthan

The Rajasthan MSME Policy 2024 is a game-changer for small businesses. By addressing key challenges and providing holistic support, it aims to transform the state into a hub of entrepreneurship and innovation. With Col Rajyavardhan Rathore’s vision and leadership, this policy is set to empower thousands of entrepreneurs and contribute significantly to Rajasthan’s economic growth.

[biz2loanfinance]

Which Loan is Better for Starting a Small Business

Starting a small business can be both exciting and challenging. One of the most crucial steps in launching your business is securing the right type of funding. Various loan options are available, but which one is the best for you? Here’s a breakdown of the top loan types to help you make an informed decision.

1. SBA (Small Business Administration) Loans

SBA loans are government-backed loans designed to assist small businesses. They typically offer lower interest rates and longer repayment terms than traditional loans, making them an excellent option for new business owners. However, SBA loans can be more difficult to qualify for, and the approval process may take longer.

Best For: Businesses with good credit and a solid business plan.

2. Business Line of Credit

A business line of credit gives you flexibility. Instead of receiving a lump sum, you can borrow as needed up to a pre-approved limit. You only pay interest on the amount you use, making this a great option for managing cash flow and unexpected expenses.

Best For: Businesses that need ongoing access to capital.

3. Equipment Financing

If your business requires expensive equipment to get started, equipment financing might be the right choice. This type of loan allows you to borrow money specifically for purchasing equipment, with the equipment itself often serving as collateral.

Best For: Businesses that rely heavily on equipment, such as manufacturing or construction.

4. Merchant Cash Advance (MCA)

A Merchant Cash Advance provides a lump sum in exchange for a percentage of your future credit card sales. While it’s quick to access, this option typically comes with higher fees and shorter repayment terms.

Best For: Businesses with consistent credit card sales but low credit scores.

5. Working Capital Loans

A working capital loan is designed to finance the daily operations of your business. This loan can be used for things like payroll, rent, and utilities. It’s typically short-term and is perfect for businesses that need quick cash to maintain their operations.

Best For: Covering day-to-day expenses or short-term cash flow needs.

6. Term Loans

Term loans are a straightforward option where you borrow a fixed amount and repay it over a set term, typically with a fixed interest rate. These loans can be tailored for short or long-term needs and are ideal for starting a small business that requires a specific amount of capital upfront.

Best For: Businesses needing a large, one-time capital infusion.

How to Choose the Best Loan for Your Small Business

Choosing the right loan depends on your business needs, financial situation, and long-term goals. At Biz2loan, we specialize in helping small businesses find the perfect funding solution. Whether you need a working capital loan to get started or a term loan to expand, we’re here to guide you every step of the way.

[iahmed197027]

How To Buy Real-Estate Using No Money Only Contracts

How To Buy Real Estate Using No Money, Only Contracts

Investing in real estate without upfront cash might sound too good to be true, but it’s possible through strategies like creative financing, contract assignments, and lease options. These methods have been used by savvy investors to acquire properties without needing significant capital or credit. In this post, we’ll walk you through step-by-step methods for buying real estate with no money, only contracts.

1. Understand Contract-Based Real Estate Investing

Contracts play a vital role in real estate transactions. When used creatively, they allow you to control property and generate profits without owning it outright. Here are a few strategies to buy real estate using contracts alone:

• Wholesaling

• Lease Option (Rent-to-Own) Agreements

• Subject-To Financing

• Seller Financing

2. Wholesaling Real Estate: Assigning Contracts for Profit

In wholesaling, you find distressed properties under market value, secure them with a purchase agreement, and assign that contract to an end buyer for a fee. The key here is control—without ever buying the property yourself.

How it works:

1. Identify a motivated seller and negotiate a low purchase price.

2. Sign a contract with the seller to buy the property.

3. Find an investor willing to buy at a higher price.

4. Assign the contract to the investor, collecting a fee (your profit) at closing.

This method requires excellent networking and negotiation skills but no large upfront cash investments.

3. Lease Options: Control the Property Now, Buy Later

A lease option allows you to lease a property with the option to buy it later. This strategy is popular because you control the property without committing to a mortgage right away.

How it works:

1. Sign a lease agreement with the seller, including an option-to-purchase clause.

2. Pay a small “option fee” (sometimes negotiated to zero).

3. Rent the property, with part of the rent going towards the purchase price.

4. Buy the property later at an agreed-upon price if you choose.

This approach gives you control over the property and time to save for the final purchase or find other financing.

4. Subject-To Financing: Take Over the Seller’s Loan

In a subject-to deal, you take over the existing mortgage payments from the seller without formally assuming the loan. The property title transfers to you, but the original loan remains in the seller’s name.

How it works:

1. Negotiate a “subject-to” deal with a motivated seller.

2. Sign a purchase contract and take control of the property.

3. Continue making mortgage payments to the lender on the seller’s behalf.

This strategy works best with sellers facing foreclosure or those wanting to move quickly.

5. Seller Financing: Skip the Bank, Deal Directly with the Seller

Seller financing eliminates banks from the equation. The seller agrees to act as the lender and finances the sale for you through a promissory note.

How it works:

1. Negotiate terms with the seller (interest rate, down payment, etc.).

2. Sign a purchase agreement and promissory note.

3. Make payments directly to the seller according to agreed terms.

With this method, credit checks are usually less strict, and down payments are often negotiable.

6. Important Tips for Success

1. Build a Network: Success in real estate depends heavily on networking with agents, investors, and motivated sellers.

2. Learn the Laws: Different states have different rules around real estate contracts—be sure to understand local regulations.

3. Negotiate Wisely: In these strategies, your negotiation skills will determine your profit margins.

4. Use an Attorney: To protect yourself, have an attorney review contracts before signing.

5. Start Small: Test these strategies on smaller deals before jumping into larger properties.

7. Conclusion: You Can Buy Real Estate Without Cash

Buying real estate with no money down may sound unconventional, but these strategies prove it’s possible to succeed with the right contracts. Whether you use wholesaling, lease options, subject-to financing, or seller financing, these methods rely on creativity and negotiation rather than large sums of cash.

By understanding these contract-based strategies, you can unlock new opportunities in real estate and build a portfolio even without upfront capital. With time and experience, you can scale these strategies and generate significant profits.

Are you ready to dive into creative real estate investing? Let us know in the comments below if you’ve tried these methods or if you have any questions!