#loan types

[privoapp]

Salaried Personal Loans vs. Gold Loans: Choosing the Right Option

When it comes to financing your needs or addressing financial emergencies, two common options that often come into consideration for salaried employees are personal loans and gold loans. Both offer their unique set of advantages and considerations. In this article, we'll compare the features of these two loan types to help salaried individuals make an informed decision regarding which option suits their needs best.

Personal Loans

Advantages:

Unsecured: Personal loans are unsecured, meaning you don't need to provide collateral such as gold or property to secure the loan. This is particularly appealing if you don't want to risk losing assets.

Flexible Use: Personal loans can be used for a wide range of purposes, from medical expenses and education fees to debt consolidation and travel. You have the flexibility to decide how to use the funds.

Quick Approval: Many financial institutions offer instant personal loans online for salaried individuals, ensuring speedy access to funds when needed.

Fixed Interest Rates: Personal loans often come with fixed interest rates, providing stability in your monthly repayments.

Considerations:

Interest Rates: Personal loans may have slightly higher interest rates compared to some other loan types, such as gold loans.

Eligibility Criteria: Lenders may have specific eligibility requirements, including minimum income and credit score criteria.

Apply for Instant personal loan online for salaried

Gold Loans

Advantages:

Secured: Gold loans are secured by the gold jewelry or assets you provide as collateral. This often leads to lower interest rates compared to unsecured loans.

Quick Processing: Gold loans can be processed relatively quickly since the evaluation of the gold's value is a straightforward process.

Lower Credit Score Requirement: Since gold loans are secured, lenders may be more lenient with credit score requirements.

Considerations:

Risk of Asset Loss: If you're unable to repay the loan, you risk losing the gold assets you've pledged as collateral.

Limited Use: Gold loans are typically intended for specific purposes, such as business investment or working capital needs. They may not be as versatile as personal loans.

Interest Compounding: Gold loan interest rates may compound over time, potentially increasing the overall cost of borrowing.

Choosing the Right Option

The choice between a personal loan and a gold loan depends on your specific needs, financial situation, and risk tolerance. Here are some factors to consider:

If you require funds for a diverse range of purposes and want flexibility in their use, a personal loan may be more suitable.

If you have gold assets that you're willing to pledge as collateral, and you're looking for lower interest rates, a gold loan could be a viable option.

Consider your ability to repay the loan and the consequences of default. With a gold loan, the risk involves losing the pledged assets, while with a personal loan, it's primarily financial.

Ultimately, it's essential to assess your financial goals and preferences carefully. If you decide that a personal loan aligns with your needs, explore personalized loan solutions designed for salaried employees at Privo- Instant easy loan app. Making an informed decision between these two loan options can help you achieve your financial objectives while managing risk effectively.

[davidl2001]

The First Step: Everything a Young Couple Should Know About Mortgages

Mortgage Getting a mortgage is an exciting but often overwhelming process for young couples. It involves making important financial decisions that can impact your life for years to come. This article provides an overview of the essentials you should know before taking out a mortgage, including deciding whether you’re ready for homeownership, understanding different loan types and mortgage terms,…

[ya-boi-joule]

bros being dudes

(some low effort bonus doodles below the cut)

now ain't it cute that they match

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

K: Hey Bojan will you come look at this

B: Yea

K: What do you think of this

B: lol sry it's pretty shit

K: bruh

[sforzesco]

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

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

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

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

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

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

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

a decent one is this

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

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

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

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

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

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

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

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

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

[meangan-thee-lesbian]

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

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

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

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

[rotpretty]

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

[antihibikase-archive]

Pokemon Blight / Blur - Nuvema Gang Character Sheets

Aspertia Trio here.

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

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

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

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

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

[derelictheretic]

I'm back home but at what cost 😔

[crj-200]

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

[here-there-were-dragons]

my mother is absolutely convinced of some nonsense conspiracy theory that (in her words) "originally humanity lived in peaceful all-woman societies of goddess worshippers who took care of eachother and lived in harmony, while males were roving loners that had no society and never cooperated. that changed when the men banded together and overthrew the peaceful woman-dominated societies, and enslaved us all." and, according to her, this is proof that a woman-dominated world would be innately more peaceful, and that men are innately violent and evil and should be either barred from holding any legal power or leadership roles or at least should be (again in her words) "gelded like bulls" to remove their testosterone before even being considered for such a thing.

she also evidently believes that the problem with all religions today is primarily that they aren't "goddess worshippers", because she seems to think goddess religions are inherently peaceful and pure too and seems to be especially obsessed with "Isis" in particular. the very very few times she's openly considered it unambiguously bad for some population or another to have been exterminated (she's got a bad case of devil's advocating genocide brain), she's gone out of her way to make up some crap about how said people were a peaceful society of goddess-worshippers, almost always of isis. delusions of isis-worship seem to be the only thing that ever causes her to consider any arab or middle-eastern culture, society, or ethnicity to be relatively uncomplicatedly undeserving of extermination, in fact, because every fucking time she doesn't immediately start devils-advocating it and making remarks about how "the rest of the world should box them in and let them blow eachother up" it's when she's whinging on about how whatever specific micro-ethnicity she's thinking about are or were traditional persecuted isis-worshippers.

the sole major exception to her weird fixation on isis worship justifying worthiness of life is the whole israel thing going on, in which she has consistently made very obvious that literally the only reason she's against the genocide of palestine is because it gives her an excuse to even more openly hate jewish people than she already did. and honestly i'm not sure even that's true because i think she's made some offhand remarks about palestinians having probably been peaceful isis worshipers before the jews infected them with christianity or something anyway.

so for the last, however fucking long it's been i've been constantly having to listen to her go off about how this behavior is in the jew's blood or whatever and that they literally invented all genocide because somehow the concept didn't exist before them and wouldn't have ever been invented by the rest of humanity without those jewish aliens dropping it in i fucking guess apparently and she furthermore goes on about how every single genocide and mass-oppression movement in history is directly inspired by them, ESPECIALLY the nazis, and THEN i have to listen to her rant about how, basically, wwii was something they entirely brought on themselves by "dominating the economy and treating everyone not them like shit" and the nazis were just "using their own tactics back at them". and then she goes on a rant about how the people the original jews exterminated back in the day (aka the first ever genocide, which they invented, because jews invented genocide and hate according to her) in the middle east region were peaceful matriarchal isis-worshipers.

and then she starts making comments about arabs being backwards and palestinians either being mysogynist muslims that should be boxed in to blow eachother up with everyone else or secret peaceful isis worshippers corrupted by men's cruel hand, sometimes in the same sentence, entirely dependent on which group she's more in the mood to hate at the time.

it's exhausting. beyond exhausting. her sole purpose in existence seems to be to have the singularly most exhausting set of politics physically possible to fit into one person.

just, sometimes i think, if there really is anything at all to the incredibly stupid and inexplicably popular idea that anyone or anything has a Purpose tm to exist for, i feel like my mother's purpose is to be walking proof to me of a Type Of Guy That Is Real, cause i sure as fuck would have trouble inventing this mess if it wasn't standing right in front of me spewing confusingly bipartisan hate. all of her thoughts and opinions are these long winding nonsense chains that feel like if that man carrying thing sketch about the friend with confusing politics was a person. on meth.

[jaeducs]

i love jaijin

[science-lings]

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

[spiritualityloves247]

Weren't allowed stuffies.

Mom called the psych unit AHEAD of time

[calkale]

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

[vimesbootstheory]

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

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