#extend loans

[your-fave-is-bi]

On the off chance one of yall might actually be literal angels

Does anyone have 1) pokemon scarlet/violet and 2) a mudkip they would trade me

I learned that apparently via dlc you could catch diff starters, but i dont have that n not planning on getting that, but it does mean mudkip is technically Available to have in the game

And we all know how much i adore mudkip

[the-everqueen]

articulated something to my therapist today that i think i can expound on for mine own sake here: a recurring thing i've noticed in music dept job postings is a "doubling up" of roles. i.e., the dept *wants* a musicologist to teach the music history courses (general) and maybe some period-specific stuff, but they ALSO *want* someone to teach private lessons in instruments or lead an ensemble or direct the annual opera/theater/big tableau performance. and what they'll do is prioritize someone's ability to do the latter over the former, and then just...give them the music history courses. there's this privileging of "well, YOUR expertise clearly translates into applicable results re: graduating performance or education majors," and inversely a total devaluing of what i do. like of COURSE you need to have been signed by a major label or have performed with an orchestra or taught private lessons at the college level in order to get an applied music role! but you DON'T need a specialized degree to approach history! :) anyone can crack open a textbook and talk at students about what's inside. :) no one needs to develop critical thinking skills re: history and music lit. :) just memorize the dates and practice your audition pieces. :)

[whitehartlane]

i’m not rly sure how this works but good luck? 😭

[unloneliest]

being very grown up and budgeting because this month is the first time since before we moved almost a year ago now that money has not been completely overwhelming and terrible (i would not have made it thru last year without family support & i know i'm so lucky for that). and i knew on some level that my new job is very good and i'm making better money than i ever have but seeing it all laid out on paper. holy shit. i'm going to be able to pay off my credit card way faster than i thought

[athousandsuns2010]

i was out and about a lot today and it made me remember how much i love this city...and how sad im gonna be when my visa is up next year

[marmorenshud]

have a goal of getting to 100 pages before buying house of leaves

[shadesofmauve]

I want to step away from the art-vs-artist side of the Gaiman issue for a bit, and talk about, well, the rest of it. Because those emotions you're feeling would be the same without the art; the art just adds another layer.

Source: I worked with a guy who turned out to be heavily involved in an international, multi-state sex-slavery/trafficking ring.

He was really nice.

Yeah.

It hits like a dumptruck of shit. You don't feel stable in your world anymore. How could someone you interacted with, liked, also be a truly horrible person? How could your judgement be that bad? How can real people, not stylized cartoon bogeymen, be actually doing this shit?

You have to sit with the fact that you couldn't, or probably couldn't, have known. You should have no guilt as part of this horror — but guilt is almost certainly part of that mess you're feeling, because our brains do this associative thing, and somehow "I liked [the version of] the guy [that I knew]", or his creations, becomes "I made a horrible mistake and should feel guilty."

You didn't, loves, you didn't.

We're human, and we can only go by the information we have. And the information we have is only the smallest glimpse into someone else's life.

I didn't work closely with the guy I knew at work, but we chatted. He wasn't just nice; he was one of the only people outside my tiny department who seemed genuinely nice in a workplace that was rapidly becoming incredibly toxic. He loaned me a bike trainer. Occasionally he'd see me at the bus stop and give me a lift home.

Yup. I was a young woman in my twenties and rode in this guy's car. More than once.

When I tell this story that part usually makes people gasp. "You must feel so scared about what could have happened to you!" "You're so lucky nothing happened!"

No, that's not how it worked. I was never in danger. This guy targeted Korean women with little-to-no English who were coerced and powerless. A white, fluent, US citizen coworker wasn't a potential victim. I got to be a person, not prey.

Y'know that little warning bell that goes off, when you're around someone who might be a danger to you? That animal sense that says "Something is off here, watch out"?

Yeah, that doesn't ping if the preferred prey isn't around.

That's what rattled me the most about this. I liked to think of myself as willing to stand up for people with less power than me. I worked with Japanese exchange students in college and put myself bodily between them and creeps, and I sure as hell got that little alarm when some asian-schoolgirl fetishist schmoozed on them. But we were all there.

I had to learn that the alarm won't go off when the hunter isn't hunting. That it's not the solid indicator I might've thought it was. That sometimes this is what the privilege of not being prey does; it completely masks your ability to detect the horrors that are going on.

A lot of people point out that 'people like that' have amazing charisma and ability to lie and manipulate, and that's true. Anyone who's gotten away with this shit for decades is going to be way smoother than the pathetic little hangers-on I dealt with in university. But it's not just that. I seriously, deeply believe that he saw me as a person, and he did not extend personhood to his victims. We didn't have a fake coworker relationship. We had a real one. And just like I don't know the ins-and-outs of most of my coworkers lives, I had no idea that what he did on his down time was perpetrate horrors.

I know this is getting off the topic, but it's so very important. Especially as a message to cis guys: please understand that you won't recognize a creep the way you might think you will. If you're not the preferred prey, the hind-brain alarm won't go off. You have to listen to victims, not your gut feeling that the person seems perfectly nice and normal. It doesn't mean there's never a false accusation, but face the fact that it's usually real, and you don't have enough information to say otherwise.

So, yeah. It fucking sucks. Writing about this twists my insides into tense knots, and it was almost a decade ago. I was never in danger. No one I knew was hurt!

Just countless, powerless women, horrifically abused by someone who was nice to me.

You don't trust your own judgement quite the same way, after. And as utterly shitty as it is, as twisted up and unstead-in-the-world as I felt the day I found out — I don't actually think that's a bad thing.

I think we all need to question our own judgement. It makes us better people.

I don't see villains around every corner just because I knew one, once. But I do own the fact that I can't know, really know, about anyone except those closest to me. They have their own full lives. They'll go from the pinnacles of kindness to the depths of depravity — and I won't know.

It's not a failing. It's just being human. Something to remember before you slap labels on people, before you condemn them or idolize them. Think about how much you can't know, and how flawed our judgement always is.

Grieve for victims, and the feeling of betrayal. But maybe let yourself off the hook, and be a bit slower to skewer others on it.

[fincrif]

How to Improve Your Debt-to-Income Ratio for a Higher Loan Amount?

When applying for a personal loan, lenders consider various factors to determine your eligibility. One of the most critical factors is your Debt-to-Income (DTI) ratio. A high DTI ratio can lower your chances of securing a loan or result in a lower loan amount.

So, how can you improve your DTI ratio and qualify for a higher personal loan amount? This guide will walk you through everything you need to know about the DTI ratio and the best strategies to improve it.

What Is Debt-to-Income (DTI) Ratio?

The Debt-to-Income (DTI) ratio is a financial metric that compares your monthly debt payments to your gross monthly income. It helps lenders assess your ability to manage additional debt.

Formula to Calculate DTI Ratio:

DTI Ratio=(Total Monthly Debt PaymentsGross Monthly Income)×100\text{DTI Ratio} = \left( \frac{\text{Total Monthly Debt Payments}}{\text{Gross Monthly Income}} \right) \times 100DTI Ratio=(Gross Monthly IncomeTotal Monthly Debt Payments​)×100

For example, if you earn ₹50,000 per month and have ₹20,000 in debt obligations, your DTI ratio is: (20,00050,000)×100=40%\left( \frac{20,000}{50,000} \right) \times 100 = 40\%(50,00020,000​)×100=40%

Why Does DTI Ratio Matter for a Personal Loan?

Lenders use the DTI ratio to determine how much additional debt you can handle. A low DTI ratio shows that you have sufficient income to repay the loan, increasing your chances of approval for a higher loan amount.

Ideal DTI Ratio for Personal Loans

✔ Below 30% – Excellent, high chances of approval for a large loan amount ✔ 30% - 40% – Good, but lenders may impose some restrictions ✔ 40% - 50% – Moderate risk, may get approved but with higher interest rates ✔ Above 50% – High risk, difficult to get approval for a personal loan

If your DTI ratio is high, you must work on reducing it before applying for a personal loan.

How to Improve Your DTI Ratio for a Higher Personal Loan Amount?

To enhance your loan eligibility, you need to either increase your income or reduce your existing debts. Let’s explore some of the best ways to improve your DTI ratio.

1. Pay Off Existing Debts

Reducing your outstanding debts is the most effective way to lower your DTI ratio. Start by:

✔ Paying off high-interest debts such as credit cards ✔ Clearing small loans to free up monthly income ✔ Making extra payments to close loans faster

📌 Example: If you have a ₹5,000 monthly credit card bill and you clear it, your DTI ratio will improve, increasing your eligibility for a higher personal loan amount.

2. Increase Your Monthly Income

If reducing debt isn't an immediate option, increasing your income can help improve your DTI ratio. Consider:

✔ Taking up freelance work – Writing, designing, consulting, etc. ✔ Starting a side business – Selling products online, offering services ✔ Negotiating a salary hike – Request a raise from your employer ✔ Renting out property – Earn passive income from real estate investments

📌 Example: If your current salary is ₹50,000 and you earn an extra ₹10,000 through freelancing, your income increases to ₹60,000. This lowers your DTI ratio, making you eligible for a bigger personal loan.

3. Consolidate Your Debt with a Personal Loan

If you have multiple high-interest debts, debt consolidation can be a smart move. You can take a personal loan at a lower interest rate and repay all high-cost debts.

✔ Reduces your monthly EMI burden ✔ Lowers your overall interest rate ✔ Helps manage finances with a single EMI

📌 Example: If you are paying ₹10,000 for a credit card and ₹8,000 for another loan, a personal loan with a lower EMI of ₹12,000 can reduce your DTI ratio.

4. Extend Your Loan Tenure

If you are struggling with high EMIs, extending your loan tenure can reduce your monthly debt payments and lower your DTI ratio.

✔ Lower EMIs make it easier to manage finances ✔ Lenders consider you a low-risk borrower

📌 Example: If your current EMI is ₹15,000 on a 5-year loan, extending it to 7 years can reduce your EMI to ₹12,000, improving your DTI ratio.

5. Avoid Taking New Loans Before Applying for a Personal Loan

Applying for multiple loans at once can increase your DTI ratio, reducing your chances of approval for a high loan amount.

✔ Limit new loan applications until your current debts are under control ✔ Avoid unnecessary credit card purchases that increase your outstanding dues

📌 Example: If you plan to take a personal loan next month, avoid applying for a car loan today, as it will increase your debt burden.

6. Make Lump-Sum Payments Towards Your Debt

If you receive a bonus, tax refund, or unexpected income, consider making a lump-sum payment towards your outstanding debt.

✔ Reduces overall debt amount ✔ Improves credit score ✔ Lowers DTI ratio for a higher loan amount

📌 Example: If you owe ₹1,00,000 on a personal loan, using a ₹50,000 bonus to prepay will reduce your EMIs and improve your loan eligibility.

7. Improve Your Credit Score

A high credit score (750+) improves your credibility and increases your loan approval chances.

✔ Pay EMIs and credit card bills on time ✔ Keep credit card utilization below 30% ✔ Avoid multiple loan applications within a short period

📌 Example: A credit score of 800 with a DTI ratio below 40% can help you qualify for the highest loan amount at the lowest interest rate.

How Soon Can You Improve Your DTI Ratio?

Improving your DTI ratio depends on how quickly you can reduce debts and increase income.

✔ Short-Term Fixes (1-3 Months): Pay off small debts, make lump-sum payments, negotiate lower EMIs ✔ Mid-Term Strategies (3-6 Months): Increase income, consolidate debt, improve credit score ✔ Long-Term Plans (6-12 Months): Reduce major loans, avoid new credit, increase savings

📌 Tip: Start improving your DTI ratio at least 3-6 months before applying for a personal loan.

Final Thoughts

Your Debt-to-Income (DTI) ratio is a crucial factor in determining your personal loan eligibility. A lower DTI ratio increases your chances of securing a higher loan amount at better terms.

To improve your DTI ratio, focus on:

✔ Paying off existing debts ✔ Increasing your income through side jobs or freelancing ✔ Consolidating high-interest debts with a lower-cost loan ✔ Reducing EMIs by extending loan tenure ✔ Avoiding new loans before applying for a personal loan

By implementing these strategies, you can significantly boost your DTI ratio, making it easier to secure a higher personal loan amount with favorable interest rates.

[david-watts]

thought I might actually be in a reasonable mood today but it has been ruined by the discovery that the pots that I bought with my limited money have been taken. this is extra infuriating when you realise that the previous pots I used were taken as well and have been left to grow weeds, and that I was told to 'buy my own' if I wanted them to be only for me

[revengewolf]

can i finish reading the king's men by friday stay tuned

[whyamiawakes]

Leverkusen getting a red… the “nothing can ever go wrong” spell really only lasted until the end of the league season

[ausloansfinance]

Unlock the best car finance strategies in Australia: Discover how car loans affect insurance costs and the benefits of extended warranties with Ausloans.

[vertonghen]

timo…..if that was his last time playing for us that’s so sad

[footballandfiasco]

MATANOVIC!!!!! YES!! come back home baby!!! 🦅🦅

[karlyboyyy]

My ass went from “I wanna keep my car for at least two years after I pay it off so I can save money and not have a car payment :)” to feverishly browsing new cars and trying to convince myself that “actually yes I do want a new and faster car thank you” real fuckin quick.

Meanwhile my husband laughs every time I send him a link to a car a like or every time I make a case for why “this is the one!” Because he’s like the lil devil on my shoulder telling me to go for it 🙃

[reasonsforhope]

"Across religions of all creeds and sects, there’s a unifying theme of helping one’s neighbors — and that’s a mission that pastor Michael Jones wants to prioritize for his community in the coming years. 

Recently, Jones’ Village of Faith Ministries, a church based in Sandston, Virginia, joined congregations around the country in converting church property into affordable housing. 

“We knew that, at some point in time, we would look to position ourselves to sell a portion of it, or all of it, to simply aid where our congregation is trying to go in the future,” Jones told Next City in January.

The church is presently eying a portion of its 1.5 acre property on its Southside location with plans to construct 192 apartments and 40 townhomes. 

Jones told Next City that the homebuilding company D.R. Horton worked with the church to develop a housing plan that could meet the church’s financial goals while also keeping rent costs low. 

“We know that housing is a need,” Jones said. 

Jones sees a bright future for the 232 housing units yet to be built, and the 232 families that will call their property home. 

Jones wants the church to be a community hub, where people can seek services, meet their neighbors, and even visit the community garden on its property. 

“Our churches should not be vacant Monday through Saturday,” Jones said. 

Village of Faith Ministries joins a growing number of faith-based organizations that are addressing the housing crisis in a variety of ways, whether it’s by building tiny home communities for the homeless, offering zero interest loans for low-income families, or extending rental assistance to those in need. 

In response to cynicism surrounding new housing developments — often boiled down to the phrase “not in my backyard” — churches across the United States started the faith-based movement: “Yes, In God’s Backyard.” 

The grassroots effort works to address the nationwide deficit of affordable housing and inspire faith leaders to use their resources to give back to their communities. 

And it’s working. 

Last year, a bill titled “Yes, In God’s Backyard” passed in California, which permits religious institutions to convert their land into housing without being held to local zoning regulations. 

In early 2025, Virginia’s state senate considered a similar bill, “Faith in Housing for the Commonwealth” — a bill that was still under review at the time of publication. 

“[We proudly support the] ‘Faith in Housing for the Commonwealth Act’ to build more affordable housing where it is most needed by allowing churches to build affordable housing on their land through a streamlined process,” the Commonwealth Housing Coalition said in a press statement. 

“Today in Virginia, too many of our neighbors and community members struggle to afford a place to call home,” the coalition continued. “We have an opportunity to help more faith-based institutions help solve this problem by allowing them to build homes on their land.”"

-via GoodGoodGood, March 12, 2025