#no income documentation loans

[bullventurecapital]

Understanding No Income Documentation Loans: A Simplified Guide

It is quite necessary to acquire a loan quickly and effectively for most borrowers. Whether an entrepreneur in search of capital, a real estate investor looking to chase that next opportunity, or just an individual looking to have some cash in hand today, the traditional lending process is a stumbling block for most. Bull Venture Capital is disrupting loan approval and, thus, introduces new no appraisal loans and no income documentation loans into the fray of modern borrowing needs.

What Are No Appraisal Loans?

A no appraisal loan simply saves the cost of a formal property appraisal, and the whole loan process will be streamlined and faster. Traditional loans involve an appraisal to determine a property's value, which could be time-consuming and expensive. No appraisal loanslet the borrower:

Save time: No weeks waiting for an appraisal report.

Cut costs: Avoid the appraisal fee, which may be an expensive cost.

Close Deals Quickly: Especially helpful for real estate investors who require quick access to capital.

This type of loan is ideal for situations where the value of property is not an issue or when borrowers want to bypass bureaucratic delays to seize opportunities in competitive markets.

What Are No Income Documentation Loans?

No more lengthy paperwork and waiting to confirm income. No income documentation loans are intended for those who do not have a traditional source of proof of income but have the wherewithal to service the loan. This involves:

Self-employed individuals with no traditional pay stub.

Real estate investors who depend on rental income or assets

Freelancers or gig workers with variable income.

Instead of demanding tax returns, pay stubs, or bank statements, lenders use factors such as creditworthiness, assets, or the value of an investment. That is why these loans give the flexibility and accessibility most modern borrowers need.

Why Choose Bull Venture Capital?

Bull Venture Capital has specific financial solutions for individualized needs. Our no-appraisal loans and no-income-documentation loans cut across the barriers to open a window for access to funds during when you need them the most. We are focused on our customers and look to reduce any hurdles that come with the process of borrowing to enable clients to focus on achieving their goals.

Lending Game-Changer

No appraisal loans and no income documentation loans change the face of lending. No one can deny the unparalleled speed, convenience, and flexibility that it brings with it, suitable for the dynamic world of finance in the modern era.

Call Bull Venture Capital today to discover how you can gain access to your much-needed funds—on your terms.

[fincrif]

How to Get a Personal Loan with a Side Income

In today’s fast-paced world, many people have side income streams in addition to their primary job. Whether it’s freelance work, part-time jobs, or other sources of income, these earnings can significantly improve your financial situation. However, when applying for a personal loan, you may wonder if having a side income will help you qualify or get better terms.

In this article, we will explore how having a side income can impact your chances of getting a personal loan, and share key strategies for improving your eligibility and securing favorable terms.

1. What Lenders Look for When Approving Personal Loans

When you apply for a personal loan, lenders consider several factors to assess your eligibility, including: ✔ Credit score ✔ Income ✔ Employment stability ✔ Debt-to-income ratio (DTI) ✔ Repayment capacity

Having a side income can strengthen your loan application, but it needs to be considered along with other factors such as primary income, credit history, and existing liabilities.

2. How Side Income Can Boost Your Personal Loan Application

2.1. Higher Monthly Income

The more income you have, the better your chances of qualifying for a loan. Side income boosts your total monthly earnings, which:

Increases your eligibility for larger loan amounts

Helps lower your debt-to-income ratio (DTI), which is a key factor in loan approval

2.2. Better Repayment Capacity

Lenders want to ensure you can comfortably repay the loan without undue financial strain. Side income provides an additional cushion, increasing your repayment capacity and reassuring lenders about your ability to make timely payments.

2.3. Flexibility in Loan Terms

Having a diverse income source can improve your overall financial stability, making you a more attractive borrower. This could help you negotiate lower interest rates and better repayment terms on the loan.

3. Types of Side Income That Can Strengthen Your Loan Application

Not all side incomes are viewed equally by lenders. Here are a few types of side income that can improve your personal loan application:

3.1. Freelance or Contract Work

Freelancers often have the flexibility to earn from various projects. Lenders look favorably on freelance income, especially if it is consistent and can be documented through contracts, invoices, or tax returns.

3.2. Business or Entrepreneurial Income

If you own a business or have a side hustle, lenders will consider your business earnings as part of your overall income. Profits from your business are important, especially if you’ve been running it for a while and it has a proven track record.

3.3. Rental Income

Rental income from property can provide stable monthly earnings, making it an attractive source for lenders. Just ensure you have proper documentation for rental income, such as lease agreements and bank statements.

3.4. Passive Income

If you earn money from investments, royalties, or dividends, lenders will assess this income as part of your financial profile. Though passive income might be less consistent, it can still help improve your loan application if it's well-documented.

4. Key Tips for Maximizing Your Loan Eligibility with Side Income

4.1. Document Your Side Income

Lenders will only consider your side income if you can provide proof of it. Here are some ways to document your income:

Freelancers and Contract Workers: Provide invoices, contracts, and payment receipts.

Business Owners: Submit balance sheets, tax returns, and profit & loss statements.

Renters: Provide lease agreements, bank statements showing rent deposits, and property documents.

Investors: Share investment records, dividend statements, and proof of income from stocks or royalties.

4.2. Improve Your Credit Score

Even with side income, a low credit score can be a barrier to securing a loan. A credit score of 700 or higher is ideal for personal loan approval. Here’s how you can improve your score: ✔ Pay off existing debts ✔ Avoid late bill payments ✔ Keep credit utilization under 30% ✔ Regularly check your credit report for inaccuracies

5. How to Apply for a Personal Loan with Side Income?

5.1. Choose the Right Lender

While many lenders consider side income, traditional banks and NBFCs have different policies regarding income verification. It is recommended to:

Opt for lenders that accept side income as part of their loan application process

Look for online lenders or fintech platforms, which are often more flexible when considering non-traditional income sources

🔗 Best Lenders for Personal Loans:

IDFC First Bank Personal Loan

Axis Bank Personal Loan

5.2. Apply with Complete Documentation

To maximize your chances, ensure that you submit all required documents, including proof of both your primary income and side income. Be prepared to provide a clear breakdown of how your side income contributes to your overall finances.

5.3. Keep Your Debt-to-Income Ratio Low

Lenders assess your debt-to-income ratio (DTI) to understand how much of your income goes towards paying existing loans. A lower DTI improves your chances of approval.

DTI Formula: DTI = (Total monthly debt payments ÷ Monthly income) × 100

Keep your DTI under 40% to improve your eligibility for a personal loan.

6. Advantages of Using Side Income for Loan Approval

✔ Higher Loan Eligibility: With additional income, you may qualify for a larger loan amount. ✔ Better Interest Rates: Lenders are likely to offer you lower interest rates because side income improves your financial stability. ✔ Flexible Repayment Terms: With a stronger repayment capacity, you may be able to negotiate better terms on the loan.

Getting a Personal Loan with Side Income

Having a side income can significantly improve your chances of getting approved for a personal loan. By documenting your income, improving your credit score, and selecting the right lender, you can maximize your loan eligibility and secure favorable terms.

🔗 Looking to Apply for a Personal Loan with Side Income? Check Personal Loan Offers

By following the steps above, you can access the funds you need, whether for home improvement, debt consolidation, or any other financial goal, with ease and confidence.

[reitmonero]

Exploring Home Equity Loan Options for Self-Employed Individuals

Understanding Home Equity Loans

A home equity loan allows you to borrow money by using the value of your home as collateral. Essentially, you take out a loan against the equity you’ve built up in your property. For self-employed individuals, this type of loan can be a useful tool for financing business needs or personal expenses.

Key Considerations for Self-Employed Borrowers

**1. **Proving Income: Unlike traditional employees with W-2 forms, self-employed individuals may face more scrutiny when proving their income. Lenders typically require detailed documentation to assess your ability to repay the loan.

**2. **Income Documentation: Prepare to provide comprehensive documentation, including:

Tax Returns: Usually for the past two years.

Profit and Loss Statements: Detailed accounts showing your business income and expenses.

Bank Statements: To verify your financial stability.

**3. *Credit Score:* Your credit score plays a crucial role in determining your loan terms. Self-employed individuals should ensure their credit is in good standing to secure favorable rates.

**4. *Debt-to-Income Ratio:* Lenders assess your ability to manage monthly payments by comparing your debt to your income. Maintaining a favorable ratio can improve your chances of approval.

**5. *Business Stability:* Demonstrating a stable and profitable business can enhance your credibility as a borrower. Long-term business success signals reliability to lenders.

**6. *Loan Terms:* Be mindful of the terms offered, including interest rates, repayment periods, and fees. Compare options from various lenders to find the most suitable terms for your situation.

Steps to Apply

Assess Your Equity: Determine the amount of equity you have in your home. This is the difference between your home’s market value and any existing mortgage balance.

Gather Documentation: Prepare the necessary financial documents to present to potential lenders.

Shop Around: Research different lenders and compare their loan products. Look for those who specialize in working with self-employed individuals.

Apply: Submit your loan application along with the required documentation. Be prepared for a thorough review process.

Review Offers: Carefully evaluate the offers you receive, considering the interest rates, fees, and terms.

Finalize the Loan: Once you choose a lender, complete the necessary paperwork and finalize the loan agreement.

Benefits of Home Equity Loans

Lower Interest Rates: Compared to unsecured loans, home equity loans often have lower interest rates.

Fixed Payments: Many home equity loans come with fixed interest rates and monthly payments, providing predictability.

Tax Benefits: In some cases, the interest on a home equity loan may be tax-deductible.

Risks to Consider

Risk of Foreclosure: If you fail to repay the loan, your home is at risk of foreclosure.

Impact on Equity: Borrowing against your home reduces the equity you have, which can affect your financial stability if property values decrease.

[archangeldyke-all]

I miss CEO Sevika :(

What about Reader and Sevika going to...idk a dinner party/charity event with multiple companies in attendance. Sevika is one of the speakers for the night and while she's nervous, she knocks it out of the park. Meanwhile Reader is like "wow my wife is such a fucking boss and so hot for doing that on stage, I can't NOT suck her off and get fucked in a random, out of the way bathroom right afterwards."

i was thinking about this ask the entire time she was up there by vander's statue giving her speech. my sweet baby.

men and minors dni

sometimes, you forget just how important sevika's work is. most days you're stuck in your office together, making phone calls and signing documents.

but it's nights like this, when sevika's company has its annual ball, that you're hit with how much sevika does for the community.

the company built on the idea of giving low income communities low interest loans to build businesses and homes. there're several neighborhoods and families that you know personally that have had their lives transformed by sevika's work. but it's not just that.

it's parks built on the company's dime, community centers and pools and basketball courts sponsored by sevika herself. it's the team of social workers and accountants sevika's carefully hired over the years, who make sure that your clients are trained in financial literacy so they don't fall through the cracks. it's underfunded public schools-- the schools you went to as a kid-- being sent busload after busload of books and computers and supplies from your wife. it's medical bills being paid off by a mysterious, 'anonymous' source--the chickenscratch on the checks all matching your wife's.

and nights like this, with each lead team member of all the departments giving presentations of the differences they've made in the community this year, where it really hits you how incredible your wife is.

your poor wife. sevika's currently on the brink of passing out from her nerves, a glass of whiskey shakily clutched in her palms as she waits behind the stage. "baby." you coo, reaching up to cup her face.

sevika winces and pouts in your hold. "i hate public speaking." she whines. you chuckle.

"i know, love." you sigh. you'd give this speech for her if you could-- but it's kinda a requirement that the ceo speak at these big events. "it's just five minutes, talk about the good you've done this year, get some claps, get some laughs, then we can bail." you promise her.

sevika pouts even more, slouching down against you. "you remember the first time we put one of these shitshows on?" she asks.

you giggle and nod.

your second year working for sevika, a few months into dating, and the company had the first of it's now notorious annual balls. of course, back then it wasn't quite as sophisticated as today's is, but it was pretty memorable. after her speech (which she nailed, because despite how much she hates it sevika is good at talking) sevika ran off the stage, high on the applause she'd received, and practically leapt into your arms where you stood backstage. "fuck i can't believe i did that." she whispered against your scalp. "and they liked it!" she laughs.

you giggled and kissed her cheek. "course they liked it, you're very easy to like."

and then sevika said the words you'd been dying to hear her say, the words you were trying desprately to keep inside your throat until she was ready. "i couldn't've done it without you, y'know." she whispered. your smile got softer, and sevika leaned impossibly closer to you. "you kinda scare the shit outta me and... i think i'm in love with you."

you had just grinned and kissed her, mumbling a teasing "you think or you know?" against her lips.

and here you are, nearly ten years later, on the same little patch of floor backstage of your favorite venue, smiling up at your wife.

"course i remember, baby. one of the best moments in my life. right up there with meeting you 'n marrying you. think it'll be in the little montage that flashes before my eyes once i die." you say, giggling.

sevika smiles sweetly and kisses you. "yeah, me too." she whispers.

you hold her for a moment, hoping the touch will help her relax a bit, both of you swaying gently in your dark little corner as you wait for seamus to finish his speech and introduce sevika. "you're gonna do amazing, y'know. you do every year."

"ugh. i know." sevika huffs against you. you giggle.

"so then why are you so worried?" you ask. sevika shrugs against you.

"just. 's a lotta people. and i like when you baby me." she says.

you burst into laughter just as the audience on the other side of the stage bursts into applause. sevika groans, and you give her one last good squeeze and a smooch to her cheek before pushing her toward the stage. "go ahead baby. you got this." you encourage her. sevika smiles shyly at you, and you curse. "shit, sev, wait! i left a kiss mark on your cheek!" you squeak, scrambling to grab her wrist and wipe off the lipstick that must've transferred from her lips to your own, then onto her cheek.

sevika ducks out of her hold, though, her smile only growing. "good. let 'em see it." she says, winking at you before ducking under a curtain and out onto the stage.

the crowd bursts into applause at her appearance, and your heart melts as her words sink in.

she's such a fucking sap. you love her so much you think you might explode.

she nails it, because of course she does. by the time she walks back off stage, there are literally people chanting her name, like she's a rockstar or something.

you intend to tease her about it, but then you see her and her sweet shy smile, your very obvious kiss mark on her cheek, and her hands nervously clutching her note cards, and something ravenous courses through your bloodstream.

you nearly tackle her to the floor as you launch forward to kiss her. sevika gasps, and her notecards go flying as her hands reach up to hold you tight. fuck you love her. she's the most incredible woman you've ever met.

"sev." you whisper between kisses you can't stop pressing to her skin. "sevika."

"y-yeah?" she asks, her voice squeaky and excited.

"can i blow you in the bathroom, please?" you ask. "want you so fuckin' bad."

sevika shivers full bodied and lets out a shudder before she grabs your wrist and starts sprinting toward the bathroom. you cackle the entire way.

your favorite thing about this venue is that they have plenty of single stall bathrooms. you and sevika have used this feature to your convenience many times over the years.

sevika's already rock hard in her trousers by the time you lock the door and pin her to the wall. she's clawing at you, whimpering as she tries to catch your lips in a kiss. you giggle, cupping her jaw and kissing her soundly, shoving your tongue in her mouth to calm her down a bit.

sevika sighs heavily, and you pull away, gasping a breath before dropping to your knees.

"fuck. i'm not gonna last, baby, fuck." sevika whines as you paw at her pants. you giggle.

"you better. want you to cum inside my cunt, love." you say.

sevika makes a pained noise, and her dick jumps in her boxers. you laugh. "you better touch yourself while you're suckin' me then." she says. "want you to cum with me."

it's your turn to shiver. you claw at her boxers, a little growl escaping you when her cock's finally revealed to you. "fuck." you grunt, before leaning forward and just pressing your face against her cock.

sevika sighs dreamily, reaching down to cup your face as you nuzzle her dick. "so pretty on your knees." she whispers. you smile up at her. "lemme see you touch yourself." sevika requests. you shove a hand down your waistband, rubbing your wet clit with your fingers as you rub your face against her length. "that's it, baby. fuck. now put your mouth on me, love."

you're needy for her, so needy that you take a little too much of her at once, gagging loudly on her cock.

sevika moans at the feeling then laughs at the embarrassment on your face when you pull back and catch your breath before trying again.

"don' laugh at me." you pout, spitting on her dick and jerking her while you blink back your tears.

"'s just cute baby. so fuckin' needy for me you choke yourself on it." she sighs.

you shiver a little. you can't really deny that. "you did amazing, by the way." you whisper. "you always do."

sevika's shoulders scrunch up to her ears, and her eyes dart away from yours. you giggle. "shush. you aren't supposed to be talking right now."

you laugh and kiss her wrist, then try again, taking her back in your mouth and slowly working down her cock.

sevika melts against the wall behind her, and her eyes fly back to yours. you hum around her and she groans. "shit, i'm not gonna last, baby, fuck." sevika whines as she starts thrusting into her mouth.

drool is trailing down your chin and into a puddle on the floor, and when sevika's thigh starts shaking you sink two fingers into your cunt, getting ready to take her.

"fuck, i love you." sevika whines. "i love you so much, baby, love your fuckin' mouth, love fuckin' your mouth--" she cuts herself off with a little giggle, and then she groans. "off-- off-- pull off baby, i'm gonnahh!" sevika shudders as you pull away right before her orgasm. she glares down at you, and you giggle, kissing her clothed thigh. "get up here." she growls, tugging you to your feet and roughly shoving you back against the sink.

you grin, shimmying out of your pants with sevika's help, kissing her anywhere you can reach as she hauls you up.

"you ready for me?" she asks, rubbing her cock against your soaked folds. you whine and nod.

"been ready for you since you put that suit on." you tease.

sevika just chuckles and pushes in, both of you groaning at the feeling.

"oh fuck, please tell me you're close." sevika whines, ducking down to bite at your neck as she starts hammering into you.

your hand flies to your clit, rubbing quick little circles against it in time with her thrusts. "s-so close." you whimper.

sevika shivers at your answer, then lifts up to kiss you on the lips. "i love you so much." she whispers.

"p-please cum inside me, sev, wanna make you feel good."

"y-you always do baby, fuck!" she shouts as she fills you up, cumming and shivering against you.

you grin, satisfaction and pleasure filling you equally until you're falling apart around her, laughing and moaning as you pull sevika to your chest.

"you really did do amazing, you know." you sigh after you catch your breath.

sevika smiles against you. "i know. practiced really hard last night, my wife finds it sexy when i give speeches."

"your wife finds it sexy when you do anything, love." you correct her. she grins.

"can we go home now?" she asks.

you giggle and nod. "kinda have to babe. my shirts covered in drool, and i'm sure we got cum somewhere on your pants or something." you say.

sevika cackles.

taglist!

@fyeahnix @lavendersgirl @half-of-a-gay @thesevi0lentdelights @sexysapphicshopowner

@kissyslut @chuucanchuucan @badbye666 @femme-historian @lia-winther

@sevikaspillowprincess @emiliabby @sevikasbeloved @hellorai @my-taintedheart

@glass-apothecary @macaroni676 @artinvain @k3n-dyll @sevsdollette

@ellieslob @xayn-xd @keikuahh @maneskinwh0re @raphaellearp

@iamastar @sevikitty @mascdom @nhaaauyen @annesunshiner

@mirconreadzztuff22 @veoomvroom @lushh-s3vik4s @katyawooga @lesbodietcoke

@lavandasz @strawberrykidneystone

[charminglyantiquated]

9/25 update on the Nautilus, for anyone curious. Details below (long), but in summary: the damage is more expensive than we'd hoped. We will have to buy Nautilus back as salvage and repair her mostly out of pocket. We still do intend to repair her, but it seems now it will be over a timeline of several years. The fundraiser for her repairs has been raised to reflect the new estimate, and will remain up as long as we're working on her, for anyone who wishes to contribute. I'm so unbelievably, profoundly grateful to all of you who have helped us so far. Thank you so, so much.

Damage: a joint survey was conducted Tuesday between surveyors from our insurance and that of the other vessel. It will be another 3-4 weeks before we have the official paperwork, but the consensus was that the damage approaches twice Nautilus' value. In addition to the mast and all the attached rigging, sails, hardware, etc., the teak deck would have to come up in order to address the damage to the deck and hull. This means that rather than pay for repairs, our insurance company is almost certainly going to write her off as a total loss.

I am waiting for formal documentation before sharing any exact numbers. Once we have them I will be more precise. But the general process as I understand it right now is below, for anyone curious about how everything shakes out.

What a loss means with insurance: my understanding is that repair damages are only covered by insurance up to the point a vessel is totaled. Since the damages almost certainly surpass her value then she would be totaled instead. In this scenario, our insurance would give us the value the Nautilus was insured for, and then pursue the other vessel's insurance for their own reimbursement. Additionally the other insurance might give us the income we lost over the remainder of the season, but whether that will happen and what amount that would be is up in the air, with the three different attorneys we consulted agreeing that we'd be fortunate to get any amount. Anything beyond that is apparently unlikely, any other legal pursuit would possibly lose us more money that we might hope to gain.

On our end: we took out a loan to buy Nautilus in April, and still owe the majority of it. By the terms of the loan, with a total loss we would have to pay back the full loan immediately. Then, because this is essentially our insurance 'buying' Nautilus from us, we would have to buy her back as salvage. The salvage price would be determined by the salvageable parts of her, and the surveyor. Hopefully it would be less than five figures, but it depends heavily on which insurance company actually ends up with her, and how exhaustively they tally up the pieces of her that they could sell. The surveyors could not tell us at the time of the survey who would end up with her or what they would charge. For the next month or two Nautilus is in a kind of purgatory where we do still technically own her, but only until insurance gets through the paperwork, which makes it difficult to begin any work right now.

Financially: when the dust settles, once the loan is paid and we own Nautilus once more as salvage, I think that based on the current estimates we may have some funds remaining. But even in the best case scenario - low salvage price, and we do receive lost income - it wouldn't be enough to finance all the needed repairs. My partner and I will be keeping the fundraiser up for as long as we are working on her, for anyone who wishes to contribute to her repair fund. Any help from anyone who would like to see her sailing again will always be deeply appreciated, but we're both aware it's an absurd number. If we fail to meet it, we're both keenly aware it's not through any lack of generosity - I cannot possibly express how grateful we are for the help we have received already, and what a massive difference it has made over the last month as we deal with the immediate and long-term fallout, covering her haul-out and towing and bills over the months it will likely take to resolve all this.

Fixing Nautilus: my partner and I are still committed to repairing her, despite the cost and the time involved. The thought of letting her be cut up for salvage is too heartbreaking to bear. But at the pace things are progressing and with the resources we have, it's obvious now that it's not feasible to fix her fully over the winter; it will instead be over the course of several years. However, my partner and I hope that by doing as much of the work ourselves as we are qualified for, we can bring down the overall cost of repairs by a fair amount. Additionally, the broken mast was built only a few years ago by a gentleman who still has the plans for it and is willing to guide us through the process of building a replacement. There is a possibility we can connect with a local boat building school's fledgling restoration program. And a great many people have offered their time, advice, expertise, and contacts. The timeline has changed, but we are not giving up on her.

In the meantime: with the survey done, we now have at least a general idea of what the future will look like. Since working nonstop to get Nautilus sailing again by June is not on the table any longer, my partner and I are currently figuring out a long-term plan for ourselves, our little company, and the Nautilus herself. We have discussed a few ideas, which I'll share more about once we settle on anything concrete. Nautilus herself is finally clear of wreckage, with the pieces of her mast on sawhorses beside her, her deck swept clean, solar panel plugged in, and a tarp over the worst of the damage. She's as safe as we can make her for now; there's nothing else we can do except wait for the wheels to turn.

Lastly: thank you all, more than I can say. I have been trying not to miserypost, but I have been having a very hard time dealing with this, as has my partner. It took us ten years to save the money we put into Nautilus, and the few months we were able to spend sailing her together were the happiest and proudest I have been in my life. We have lost the future we'd imagined, and regardless of how this resolves, we are never getting that time back. We are determined not to lose the Nautilus as well, but it has honestly been difficult some days to push through the grief. The one consistent silver lining has been the kindness and sympathy and outrage from everyone who has taken the time to reach out to us. I have been floored, over and over, by how many people we have rooting for us. I am never, ever going to be able to express my full gratitude to all of you. Without exaggeration, you have kept me going.

I will share more once we know more - exact numbers, exact damage, exact plans for repairs and the next steps. Until then, from the bottom of my heart, thank you.

[shining-latios]

hey all. I wanted to make a post real quick to say that, starting this week, basically everything is going to change for me in a major way. I'm finally leaving not just my home, not my city, but I'm leaving Ohio for good.

as of yesterday, I have left my job I've been at for the past almost 3 years, and while I'm tying up loose ends this week, preparing for my move, and getting all of my documentation, etc changed over for a new state this week, starting now I am UNEMPLOYED! but as you can imagine, this doesn't mean that my bills and especially my student loans are going to be put on hold to accommodate my move and all these big changes, which means that right now, more than ever, I need my gfm to get attention because my payments are almost $700 a month and I currently have no source of income

>> Link to my GFM <<

This gfm has been active for over 3 years and l've paid several times what it's made out of my own pocket by now, I know everybody is struggling and I really don't want to ask for too much. my bf is going to be helping me out but I really don't want to put the onus of assistance on them. if anybody at all could help give me a safety net while I take the time to look for a new job in the coming weeks/months I would unbelievably appreciate it ;-;

[lulu-nightbon]

alright, i... didn't want to do this. i didn't want to have to do this. especially with all the hate ive been getting in my inbox recently. but i don't have a choice.

hi. im lulu. im a 21-year-old autistic immunocompromised queer person. i currently live with my mother (senior) and my little sister (10 years old). i need your help to get out.

(context and avenues to help below the cut)

as some of you may know, my stepfather died on august sixth from a heart attack. we lived in his parents basement, as it was all we could afford, and we depended on his income. he had a stable job, and mom decided to become a housewife and sell some things from the buisness they created together. when he died, the buisness was dissolved, as it was an llc partnership. his parents are extremely controlling, and as such, he was only able to finally start building up credit when mom came along, and we were almost at the point where he could qualify for a home loan so we could get out and get away from his parents.

that's gone now.

mom cannot qualify for a home loan because of her student loan payments and the credit card payments. we do not have the money to pay these off, and mom is trying desperately to get a job. we need the money to get out, as my stepfather's parents have been trying to get my sister away from my mom and shove both her and i out of the family for years. things are only getting worse now as we have reason to believe they are spying on our conversations and even going so far as tracking us (for example, they found a spare key to the car and went and took it and "cleaned it out" without mom's knowledge or permission, as it's her car now). they have been trying to circumvent mom and go behind her back during the entire process with the funeral home, coroner's office, all the legal documentation, and they are extremely infuriated that they cannot decide anything or push mom out because they are not the next of kin and have been trying to circumvent this. we have reason to believe that they're going to attempt to sell the cars that are still in my stepfather's name to collect on the money and never give us a dime, like they had with almost all of the money my little sister received as part of the college fund we set up at my stepfather's funeral as well as any money that my little sister had won in the past. we will never see a dime of it, and it's extremely upsetting that they are doing this. they have been running scams for years, and they have been nothing but hellish towards my mother, claiming she's withholding information from them when she has offered more than they've asked for and they have done nothing but take my little sister out and about without ever telling mom anything (for example- they screamed that mom was withholding information when she said she didn't copy the tox report for them because it was empty and claimed they needed to know his cholesterol levels [which doesn't even show up on a tox report- they didn't run his blood, either, and they didn't check his cholesterol levels anyway because they know that's what killed him, they could see it] and would not provide reasoning why [it does not affect them anyway just by nature of it being cholesterol], while on sunday they took my little sister out the whole day and failed to communicate with my mother that she would be with them and would be home after dinner).

they have been screaming at mom for collecting social security as though she was stealing their money and demanded that she doesn't get a job, and we have more than enough reason to believe that they are trying to get her to default on the bills so they finally have legal grounds to take my little sister and kick us out, leaving us with nowhere to go and no options. they have even gone as far as to threaten to take my sister away using force in the past, and, as they have firearms, that is a terrifying threat. they are unhinged and extremely upset that they cannot control us and make us do what they want, how they want, when they want, and they are up in arms over it.

when we move out, all hell is going to break loose, but the longer we wait, the worse it's going to get.

my stepfather, being 37 when he died, did not like thinking about his own mortality, so he didn't have a life insurance policy, a 401K, a will, nothing. we have been left high and dry by his death, and that is pushing aside the grief. we do not have the money to pay off the bills, pay for a lawyer, pay to have the car re-keyed to keep them from stealing it again, or to even flat-out buy a house to circumvent needing a loan, and on top of it all we have to deal with stepfather's parents not allowing us to grieve and implying that mom is a tramp and a heartless bitch that will blow any money given to her when she is more financially responsible than them. we also have to worry about them stealing our things, especially with how much they complain about how messy the basement is when most of the things here are theirs (stepfather's parents are hoarders- more specifically, his father hoards cars, and his mother hoards everything else, going out and shopping frivolously almost every day).

we need help with money, and i hate to ask, especially with the requirement of revealing my legal name and in light of the harassment i have been receiving for over a month now, but we need to get out of here, and we need to get out of here soon. it's only going to get worse the longer we stay. we need money to help with the bills, my mom's student loans, getting a lawyer, and getting a place to move into.

im posting this because im the only one my stepfather's parents won't find on any platform that i choose to use. my current goal is $9,000 USD, if only just to get enough money to get a cheap plot of land to move into, or one of the really cheap houses out here. this won't cover the loans or bills in addition, or the cost of getting a lawyer or anything else we need, but it is enough to get us a cheap place to live. i know it's a lot of money, but we are in a dangerous situation and need the money to escape. if we were to pay for everything, the goal would be in the hundreds of thousands, and i feel horrible just asking for this much. if you can't donate, please reblog, even the visibility might help and please do not spread my legal name. please remember to put "payment" or something generic in the reasoning box if it's required so that i will actually receive the funds instead of having my account purged from the site. i didn't want to ask for this, but i have no other options. please help.

c*sh*pp: $lulunightbon

v*nm*: @Lulilial

Goal: $0/$9,000

[ms-demeanor]

$7.25 $1231

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[otrtbs]

what do you do as an art historian? (sorry if its a dumb question but it sounds very interesting) and was it difficult to finish that major?

hiya!! not a dumb question at all!!

there is the standard what do *i* do specifically and also what can you do *generally* so i'll give an overview of both !!

art historians often find jobs as curators for galleries or museums, work in museum education, collections management, preservation, art therapy assistance, studio art assistants, they can work at auction houses as researchers, writers, or auctioneers. depending on how far you take your studies you can also teach art history in various institutions.

i, personally, work in both collections management and also museum display (mainly bc we're underfunded and cannot pay someone to do one of those jobs so i do both.... yeah...) which means the majority of my day is spent handling all the incoming loans and donations of artworks and artifacts people want to donate to our museum. i also work a ton in our archives cataloging and documenting every item in our collection (and also organizing the archive room which is my nightmare!) but i also work on museum exhibits as well! so i'm designing shows and exhibits to put on. (this includes going to artist studios and hand picking which artworks/photographs we want to include in our show, handling the shipping and packaging of temporary shows, and i hang all my own shit !!!!!!!!!!! i have the help of an intern or two but my very first photography exhibit i curated... i was on the ladder i was dealing with the wires i was hanging it alllll) a lot of my day also consists of running around town to different stained glass places or framers or woodworkers to help me with upcoming exhibits.

and i don't think it was that difficult for me to finish my degree. comparatively art history isn't like...notorious for being a difficult major hahaha but i mean if you hate reading a ton and you hate writing then i'd recommend something else !! there's a lot of reading. but i enjoyed every moment i was in school learning art history !! so i wouldn't say difficult no!!

[nyaagolor]

The software I use at work is Not Working and I have an hour to kill before I can go home so here’s some HCs about assorted characters’ living situations bc I wanted to make notes for myself for fic purposes:

Phoenix: Used to live in a regular apartment, but moved into the apartment above Wright and Co Law offices with Trucy after his disbarment. Edgeworth paid off the building’s mortgage after Turnabout Goodbyes so Phoenix doesn’t have to worry about rent

Edgeworth: Owns a penthouse in LA. He rents hotel penthouse suites while in Europe but doesn’t have a permanent one anywhere other than LA because he thinks it’s a hassle. There’s a locked room in the LA penthouse filled with Steel Samurai merch

Gumshoe: Rents the shittiest basement studio you have ever seen. Does not own a bed. Genuinely questionable if the building is up to code (it’s prolly not)

Maya: Lived in Kurain Village until Mia’s death, then moved into the apartment above the office. After BttT she moves back to Kurain

Pearl: Lived in Kurain until her mother’s incarceration, then moved in with Maya in the upstairs apartment, then back to Kurain with Maya after BttT

Mia: Lived in Kurain Village until she founded Fey and Co law offices with Diego, at which point they moved into the apartment upstairs together until her death

Diego: Lived in a regular LA apartment until he founded Fey and Co with Mia. They moved into the upstairs apartment together until his coma. When he wakes from the coma he spends about half a year recovering in the hospital, then throughout AA3 just loiters around the courthouse because he refuses to speak to Phoenix. After BttT he goes to prison and moves in with Maya and Pearl in Kurain Village after his release

Franziska: Technically lives in the von Karma estate with her mother and sister, but is so busy traveling that she mostly stays in hotels. She used to spend holidays there, but Edgeworth has taken to inviting her to stay with him because she's not very close with the rest of her family, so now her room is mostly just storage.

Ema: Her and Lana lived in their parents’ house together until Lana’s imprisonment, during which Ema moves to Europe with an exchange family. When Ema returns from Europe, she moves back into the house with Lana joining her when she’s released

Apollo: He lived on the road with Thalassa and Jove until the latter’s death, then with Dhurke in the countryside, then in an American orphanage until he was 18, at which point I imagine he crashes on Clay’s couch for most of law school because he is technically an orphaned illegal immigrant with absolutely no money or credit. The internship with Kristoph and his job with the WAA gets him enough money to actually rent a place, but his lack of documentation and student loans mean he’s in the cheapest possible apartment. He keeps it extremely neat but there's only so much one can do. He and gumshoe can commiserate about it.

Trucy: Lived mostly on the road / in the tourbus + hotels with her dad and the troupe until she was adopted by Phoenix, at which point she moved into the apartment above the WAA

Klavier: Lived in his parents’ mansion with Kristoph until going to Themis. When he moved back he had enough money from gigging / his band to buy a fancy ass house and still lives there. It’s a little lonely by himself but when he let Daryan throw parties there it was POPPIN

Kristoph: Lived in his parents’ mansion his entire life. He got ownership of it when they died and raised Klavier in it, and continued to live there until he got arrested. Now he’s cushy in solitary cell 13

Athena: Lived in the space center then was shipped off to European relatives when her mom died. When she moved back to the states she got a decent apartment bc her WAA income was supplemented by those rich as hell European relatives

Simon: Lived in a small apartment with his sister growing up, which he continued to live in after she moved to the Space Center. It was sold when he was incarcerated. After his release he moved in with Athena briefly (no one thought it was a good idea for him to live alone) then to a small but nice apartment, which Edgeworth paid for until he could get back on his feet financially

[bullventurecapital]

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No doubt, the most attractive product will be a rental loan program specifically targeted at the buy-and-hold investor whose sole goal is to expand his rental property portfolio. It's pretty candidly a qualification process that focuses on the cash flow ability of the property and not on his income, and they welcome both the experienced as well as the new investor.

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[fincrif]

Can Pensioners Apply for a Personal Loan?

In today’s world, a personal loan can be an essential financial tool for people looking to meet various financial needs. From medical expenses and home renovations to funding family events or consolidating debt, personal loans offer flexibility and accessibility. However, a common question that arises among pensioners is whether they are eligible for personal loans.

The short answer is: Yes, pensioners can apply for a personal loan, but there are specific conditions and criteria they need to meet. In this article, we will explore how pensioners can qualify for personal loans, the documentation required, and the factors that banks and financial institutions consider when evaluating loan applications from pensioners.

1. Can Pensioners Get a Personal Loan?

Yes, pensioners can apply for personal loans. However, the approval process and eligibility criteria might differ from that of salaried or self-employed individuals. Pensioners typically have a fixed source of income in the form of their pension, and this steady income stream can be an advantage when applying for a loan.

While pensioners may not have a monthly salary, most banks and Non-Banking Financial Companies (NBFCs) consider their pension as a reliable income source. Since personal loans are unsecured (meaning no collateral is required), the key factor that lenders focus on is the borrower’s ability to repay the loan. For pensioners, the ability to repay the loan largely depends on their pension amount, age, and other factors.

2. Eligibility Criteria for Pensioners

Banks and financial institutions follow specific eligibility criteria when evaluating personal loan applications from pensioners. Here are some of the key factors that lenders consider:

1. Age Limit

Most lenders have an age limit for loan applicants, and this is especially relevant for pensioners. While the upper age limit varies between lenders, it is typically set between 70 to 75 years of age. In most cases, the borrower’s age at the time of loan maturity is taken into consideration. For example, if the loan tenure is 5 years, the applicant must be below the maximum age limit at the end of the tenure.

For pensioners, banks also consider the age of the spouse (if applying jointly), as the loan may be approved based on their combined income.

2. Pension Amount

The pension amount you receive is another crucial factor. Lenders usually evaluate whether the pension is sufficient to cover monthly loan repayments (EMIs). The higher the pension amount, the higher the chances of securing a personal loan. Additionally, if the pension is credited directly into a bank account and is consistent, it strengthens the loan application.

Some lenders also offer special schemes for pensioners that are tailored to their needs, offering more favorable terms for loans.

3. Credit Score

As with any loan application, your credit score plays a vital role in the approval process. A high credit score (typically above 750) indicates that you have a good history of managing credit, which gives lenders confidence in your ability to repay the loan.

If your credit score is lower, you might still be eligible for a personal loan, but the terms and interest rate might not be as favorable. It’s essential for pensioners to maintain a good credit score by ensuring timely payments of existing debts and managing finances efficiently.

4. Monthly Debt-to-Income (DTI) Ratio

The debt-to-income ratio is a measure of how much of your monthly income is already allocated to paying off existing debts. Lenders prefer applicants with a DTI ratio below 40-50%, which ensures that the borrower isn’t overburdened with debt. For pensioners, having minimal existing financial obligations can improve your chances of securing a personal loan.

5. Employment or Additional Income (if applicable)

In some cases, pensioners who have additional income from part-time work, rental income, or other sources may be more likely to qualify for a personal loan. The additional income can serve as a buffer in case of emergencies or unforeseen expenses, and it helps improve the overall loan repayment capacity.

3. Documentation Required for Pensioners

When applying for a personal loan, pensioners are required to provide certain documents for income verification, identity proof, and other necessary information. Here are some of the common documents that banks and lenders may ask for:

1. Identity Proof

Aadhaar card

Passport

Voter ID

Driver’s license

2. Address Proof

Utility bills (electricity, water, gas)

Ration card

Bank statement with your address

Rental agreement

3. Pension Details

Pension payment slip or pension statement (showing regular payment).

Bank statement showing pension credits for the last 3-6 months.

Pension sanction order (in some cases).

4. Income Proof

Latest pension slip or pension certificate.

Income Tax Returns (if applicable).

Bank statements for the last 3 to 6 months to show income consistency.

5. Additional Documents (if needed)

Property documents (if offering property as collateral).

A statement from a medical professional (if applying for a medical loan or similar purposes).

Having all the required documentation ready can help streamline the application process and reduce delays.

4. Types of Loans Available for Pensioners

Pensioners can apply for different types of loans, including unsecured personal loans, secured loans, or special loans for senior citizens. The most common types of loans available for pensioners are:

1. Personal Loans for Pensioners

Some banks offer unsecured personal loans to pensioners based on their pension income. The terms and conditions of these loans are similar to regular personal loans, with the difference being that they cater specifically to pensioners.

These loans can be used for any personal expenses such as medical bills, travel, or home improvements. The repayment tenure is usually shorter for pensioners (typically 1 to 5 years).

2. Secured Loans for Pensioners

Secured loans are loans where the borrower provides collateral (such as property or gold) to secure the loan. These loans generally come with lower interest rates compared to unsecured personal loans and are easier to obtain for pensioners who might have limited income.

If you have a property or valuable assets, you can use them as collateral to secure a loan with better terms.

3. Special Loan Schemes for Senior Citizens

Some banks and financial institutions offer special loan schemes designed specifically for senior citizens or pensioners. These schemes often have more relaxed eligibility requirements and may offer favorable interest rates, flexible repayment options, and longer loan tenures.

5. Advantages of Personal Loans for Pensioners

While obtaining a personal loan as a pensioner may seem challenging, there are several benefits:

Fixed Income Source: Since pensioners receive regular pension payments, lenders often consider them less risky than other borrowers with irregular income.

No Collateral Required (for Unsecured Loans): For pensioners with a steady pension, personal loans can be secured without collateral, making them a convenient borrowing option.

Low Interest Rates (on Special Schemes): Some financial institutions offer lower interest rates or customized loan products for pensioners.

Quick Processing: Since pensioners often have stable and predictable income, their loan applications are processed quickly and efficiently.

6. Challenges Pensioners May Face When Applying for a Personal Loan

While it’s possible for pensioners to get a personal loan, they may face a few challenges, such as:

Age Limitations: Many lenders have upper age limits for loan applicants, often ranging from 70 to 75 years. Pensioners above this age may face difficulties qualifying for loans.

Limited Loan Amount: Since pensioners typically have a fixed income, they may only qualify for smaller loan amounts. However, this depends on the lender and the pension amount.

Higher Interest Rates: Pensioners with low credit scores may face higher interest rates.

7. How to Increase Your Chances of Approval

If you are a pensioner looking to increase your chances of securing a personal loan, here are a few tips:

Maintain a Good Credit Score: A higher credit score increases your chances of getting approved for a loan with favorable terms.

Provide Collateral: Offering property or assets as collateral can increase your chances of securing a loan.

Minimize Existing Debts: Ensure that your debt-to-income ratio is low to improve your chances of approval.

Opt for a Co-Applicant: If necessary, you can apply with a co-applicant (such as a spouse) to improve your eligibility for a higher loan amount.

Pensioners are eligible for personal loans, though the approval process may be slightly different from that of salaried or self-employed individuals. Banks and lenders primarily assess the pension amount, age, credit score, and overall financial health to determine eligibility. While pensioners may face certain challenges, there are loan options specifically designed to cater to their needs, and by following the right steps, they can access the funds they need.

If you're a pensioner looking to apply for a personal loan, consider exploring options from trusted lenders such as IDFC First Bank, Bajaj Finserv, Tata Capital, and others to find the loan that best suits your needs.

[pianokantzart]

A Picture of Wealth

A quick oneshot for a possible beginning of a Luigi's Mansion movie. Not particularly exciting, but if you like quiet Mario and Luigi slice of life stuff you'll probably like this. I started writing this a while ago, but this post by @theangelofangst inspired me to finish it. AO3: https://archiveofourown.org/works/49496971

_____________________________​​

After waving ‘goodbye’ to the Mail Toad, Luigi popped open the mailbox and pulled out a stack of envelopes. He scanned them for a moment, loosely sorting them in his mind. It was easy to tell what came from The Mushroom Kingdom and what came from Brooklyn; bright, pastel colored envelopes and fountain pen clashing against cold copy-pasted text on plain white. There was a ‘thank you’ card from a neighboring toad whose sink they had fixed free of charge, a little flier advertising a free upcoming performance in the square, and a pretty, pink envelope embossed with a crown, whose handiwork was easy to recognize. Even the bills were friendly and personable, though they formed as much of a pit in his stomach as the cold typeface from Brooklyn.

For Mario and Luigi, living on their own had been an adjustment, and having an actual income was a serious learning curve. There was an initial high of having money in their pockets, which led to a spending spree to replace much of their oldest tools and equipment before independent living’s new stack of expenses hit them like a train. Still, they had been fairly cautious. Despite a few poor initial decisions they would’ve had enough money to stay out of the red… had it not been for one giant curveball that had been thrown at them.

Luigi stepped back through the front door into the kitchen where Mario sat at the table, hatless and disheveled, hunched over a computer and a stack of papers where he’d been since sunrise. One hand tapped a pencil against a notepad, the other pressed their shared cellphone to his ear.

“Dad, it’s alright. You need it more than we do,” Mario said, “No, forget it, I- no, it’s not a loan.” Luigi couldn’t help but smile as he peeked around the doorway and listened in. It sounded like their father had discovered the check they sent them, and was reacting about as expected. He at least sounded lively from what he could overhear… when they first got the news that he was staying in the hospital for a few days, Mario and Luigi feared the worst. Luckily, it seemed their dad had the family’s hereditary trait of being able to bounce back from just about anything, the bad news was that despite twenty five straight years of company loyalty, getting the help owed to him by the insurance was like pulling teeth.

“Look, I’m a little busy. We’ll talk about it at Sunday lunch, okay?” Mario sighed, “Yeah. Okay. You too. Bye, Dad.” With that he hung up, and set the phone to the side.

“Sounds like he’s feeling better” Luigi laughed, finally stepping into the kitchen to deliver the mail to the table. “Yep.” Mario replied with a tired chuckle, barely even glancing up from his work. “Not well enough to work yet though, as much as he wants to.” “Did the check get deposited?” “Mom managed it under his nose, but it might be the only check that goes through for us this month if I don’t figure something out.” Mario sighed and ran his fingers through his hair, “Ugh, why did I replace our van’s entire engine. All it needed was a few new spark plugs!” “The Garrisons still owe us for rerouting their fountain." Luigi assured, "I’ll send them an invoice.” He stopped for a moment and looked over Mario’s workspace: every possible refund for unnecessary expenses noted and listed, every document scattered about like the stress of the room had caused a miniature explosion on the kitchen table, a mustard-stained receipt for a strap wrench having made it all the way to the empty dishes from lunchtime. Luigi reached over his brother’s shoulder to retrieve the dishes and arrange some of the papers into neat little piles. Mario leaned to the side to give him room.

“You know,” Luigi began hesitantly, “maybe we should ask Princess Peach if-” “We are not asking the princess for money.” Mario interrupted. “No no… I mean, maybe she can void our water bill or something?” “She gave us a free house Luigi! You really think it’s right to ask her for more.” “Maybe?" Luigi shrugged, "I mean, protecting the kingdom has kind of interfered with our work schedule.” “We do that because it’s right, Luigi, not for a paycheck.” “I know!” Luigi raised his voice a little in frustration. He stepped away from the table to deliver the empty plate and glass to the sink, rinsing them off and scrubbing them a little too aggressively to let off steam, “But I’m sure if we explain our situation, she can do something.” “I told you, the answer is no. We’re not bumming off of anyone, especially not Princess Peach.” “It’s not bumming, it’s asking for help! There’s no shame in asking for help. When you need help, you need help!”

Mario didn’t answer, he just grumbled quietly to himself and returned to the bills. Luigi rolled his eyes, scrubbing clean a few extra dishes and placing them in the drying rack before he returned to where his brother sat. He leaned against him, resting his forearm on his shoulder in a purposefully obnoxious way. “You’re as bad as Dad is.” “I am not.” “Are so.” Luigi smiled mischievously, “You look like him too. I’m probably gonna start calling you ‘Dad’ on accident when you start losing your hair.” Luigi tussled his brother’s auburn locks. Mario pulled away, unable to help but laugh as he grabbed one of the pieces of junk mail on the table, crumpled it up, and threw it at Luigi in retaliation. “Will you get out of here?”

Luigi blocked the missile with his hand. He attempted to catch it, but it tumbled out of his slippery grip and landed on the floor. Luigi intended to take it directly in the garbage, but leaning down to pick it up the colors caught his eye… and he realized he did not quite notice this particular piece of mail when he initially emptied the mailbox. Interest piqued, he uncrumpled the paper and read it. His brow raised and his heart skipped a beat. “Mario!” he declared, the sudden exclamation making his brother jump, “We’ve got a free mansion!” Mario let out a loud groan, turning around in his chair. “Oh come on Weegee! It’s an obvious scam!”

Luigi shook his head. “No no, they’ve got a map and an address and everything!” He turned the pamphlet over in his hands in order to reexamine the large block of text on the back, “It says ‘only a select few who apply for noble titles, such as those who are known locally for their heroism’ … that's us!... ‘ are receiving this limited time offer’!” Luigi looked up from his reading to grin excitedly at Mario, who looked back at him with a bored expression. Luigi, undeterred, returned his eyes the advertisement. “There’s a place called Evershade Valley with a big, beautiful mansion in the center of it. Look!” Luigi held the picture out to his big brother, shoving it a little too close to his face in his excitement. “Neo-Gothic architecture!”

Mario took the flier from Luigi’s hands to scrutinize it more closely. The cover image seemed sketchy. The coloration was off, the greenery in the lawn looked doctored, and the giant, garish rainbow plastered into the background reeked of overcompensation. “Sounds like just the kind of padding they’d add to a scam to make it seem like a little less of a scam,” he mumbled, eyes trailing down to the map beneath the image of the mansion. “Evershade Valley… looks like it’s not too far from The Dark Lands. Are you sure about this?” Hearing ‘Dark Lands’ Luigi stiffened a bit, bringing his hands close to his chest as he reconsidered for a few seconds. “It’s near The Darklands, not in The Darklands.” He decided after a moment, “Maybe we can flip this place!: reinstall some plumbing, fix up the wiring, add a fresh coat of paint… boom! Money in our pockets!”

Mario gripped his chin, running a thumb over his mustache thoughtfully. No way it was that easy. If this was really a free mansion like the advertisement said, it couldn’t be anything other than a dilapidated shell that wasn’t worth the investment. If not that, there was no doubt something wrong with the location… nobody simply gave away free mansions. 

On the other hand, Mario was impressed that Luigi maintained interest despite its close proximity to The Darklands. Given his past experiences, Mario expected him to back down at the mere mention of that place. The fact that some old building was enough to overshadow those fears made his desire hard to ignore. That, and Luigi was giving him that stupid sad-eyed pleading face that Mario could never say no to. He let out a heavy sigh, smoothed out the pamphlet a bit with his fingers, and handed it back to his brother. “Fine. On one condition.”

“Really!?” Luigi cheered. He threw out his arms to pluck his brother up into a hug, when Mario extended a hand to stave him off a moment.

“On one condition.” He repeated, “You stay here and run the business while I’m away. We can’t afford to miss any clients.”

Luigi deflated. He withdrew his arms and anxiously rubbed the tops of his hands. “Run the business… alone? Just me?” “If I take a warp pipe I shouldn’t be gone longer than a day. You’ll be fine.”

“No I won’t.” Mario cocked his head. He was startled by the terseness of the reply, upsettingly certain in its pessimism. “What do you mean? Of course you will! You just got a few leaky sinks and a running toilet. Nothin’ major.”

“Mario, name one time I did something completely on my own that didn’t turn out a disaster.” Mario opened his mouth to respond, but stopped. He thought things over a bit longer, opened his mouth again, then shut it again to think some more. It was difficult enough recalling a time that Luigi was on his own to begin with– they worked together at every opportunity– but when circumstances drove them apart, even for the briefest of moments, Luigi seemed to always end up in some kind of trouble. Mario’s eyes brightened as one instance popped into his mind. He smiled and snapped his fingers. “Aha! seventh grade! You made it into the Wizard of Oz musical! Played a really good Tinman!” Luigi smiled despondently, crossing his arms. “Mario, I vomited on stage.” “Only during the final bow. The final bow doesn’t count.” Luigi’s expression only grew more troubled as his arms tightened against his chest, and his eyes remained fixed to the ground. Mario stood up from his chair. He walked up to his brother, and took his face in his hands. “Hey, c’mon, don’t look like that,” he said, lifting his Luigi's head to meet his gaze. “You’ve got a good head on your shoulders, you just need a bit more confidence.” Mario’s grip fell from Luigi's face to his shoulders, giving them an endearing squeeze. “Maybe it’ll be good for you to give it a shot on your own. Your luck can’t be all bad, can it?” Neither of them quite knew the answer to that. Both of them stood silent for a moment as Luigi looked at his brother, then down at the pamphlet in his hand, and the big, beautiful mansion on the front. He couldn’t quite figure it out, but something about the place resonated with him. It made him remember being a kid, reading through his mom’s interior design magazines– the sense of wonder and possibility they incited, and the quiet longing to have such a place of his own to wander and explore. He folded the flier, placed it in his pocket, took a deep breath, and sighed. “I’ll do it.”

“Ha ha! That’s my bro.” Mario released his brother’s shoulders to give him a friendly jab with his elbow. “Maybe it’ll be good for you to try to work the business on your own! Just… make sure that clients put their dogs away before you set foot anywhere.”

Luigi grimaced. A small shudder ran up his back as he remembered the incident with Francis The Dog at their first job. Wondering what might have happened to him if Mario hadn’t been there to come to his rescue, second thoughts quickly began to creep in. “Maybe it is a scam–” “Nope! Too late. We’re doing this.” Mario had a fresh determination in his voice as he pulled out his chair and sat back down at the kitchen table. “I’ll finish balancing the checkbook tonight, then leave in the morning– 8 a.m sharp. If I hurry, I might be able to get home in time to help you with the last few jobs.”

Luigi knew that tone. No matter how much his brother initially hated the idea, once he started talking like that there was no stopping him from following through. Luigi had dug his grave, it was time to lie in it. Trying– and failing– not to think about everything that could go wrong in a single work day, Luigi began looking around for something to occupy his mind. The dishes were done, the garden was weeded, and he didn’t need to start dinner for another few hours, so he went to the broom closet and pulled out his vacuum. Plugging it in and unwinding the cord he went to work, allowing himself to get lost in the satisfying rattle of dirt being sucked away as he meticulously went over the carpet and wooden floor bit by bit, until every square inch of the house was clean and tidy.

[marlinehamilton]

Buy Verified Cash App Accounts What Do You Mean Buy Verified Cash App Account? Cash App was started in 2013 as a person-to-person money transfer service called Square Cash. In 2015, the service was extended to allow transactions with businesses. Over the years, it added new features, like debit cards, savings accounts, bitcoin and stock investing. Tax filing and consumer loans; it was rebranded as Cash App. As of 2024, the service is offered as a mobile app–based digital wallet and is commonly known as the preferred payment app among lower-income adults in the U.S.

Verified Cash App account A Verified Cash App Account refers to a user account on the Cash App platform that has undergone the verification process to unlock additional features and functionalities. Cash App can be a mobile payment service that lets consumers send and receive money, invest in shares or even get Bitcoin. Requested documents may include personal information such as your full name, date of birth, lest four digits of your SSN, etc. These include improved security, increased transaction limits, and the ability to trade Bitcoin, among other features like Cash Card use.

Buy Verified Cash App Accounts Requirements for verifying a Cash App account Personal Information Personal Information: Enter your first and last name, date of birth, and the last four digits of your SSN For certain accounts, Buy verified Cash App accounts may require you to submit more documentation, such as a government-issued ID or proof of your address.

You should be a minimum of 18 years outdated to confirm an account.

Name: Because this will be linked to your bank account, you’ll need to provide a name.

You must link your bank account or debit card

Make sure that your device is compatible with the Cash App and that you have installed the latest version.

Proof of Identity When Cash App needs to verify your identity based on your region and usage, we may require a photo of your ID or use selfie verification

Benefits of Using Verified Cash App Accounts Increased Transaction Limits One of the best features you have send and receive a larger amount of money when we verify our cash app account. This can be a great advantage for those of us who happen to be people or are representative of a business and need the convenience of being able to deposit and cash out larger amounts of money. We can move the funds we must move for substantial economic issues without being subject to transaction restrictions.

Enhanced Security Everyone should be assured of how our financial data will, and when our Buy verified Cash App accounts is verified, we trust that our account is secure. Two-factor authentication providing additional security by ensuring only the account owner can log into the account and access their funds. Hence, no third party person cannot abuse their credentials or funds. There are records of all the logins and exchanges so that we can comfortably do each online transaction.

Access to Additional Features But there are additional features available on our verified Cash App accounts once we get our account verified. All these features certainly help us in reaching our destination much more easily, if not anything else. For example, Cash App users can verify and buy, sell and withdraw Bitcoin through the app allowing us to diversify our investments. We can set up direct deposits from our Cash App account we can use the Cash Card, which can be personalized to our account, for debit card transactions and purchases. And that means we could potentially serve up even cooler features that utilize the Cash Card.

With Cash App, to access a famous platform, once your identity is verified. It may take time for the verification process, but the ability this provides for all our transactions adds an incredible amount of flexibility and security.

Benefits of having a verified Cash App account Benefits of having a verified Cash App account vs. unverified account

Larger Transfer Limits: Verified accounts allow users to transfer or receive large amounts of money. Verified accounts can send and receive thousands of dollars at a time (unverified accounts are limited to $250 a week in sending and $1,000 a month in receiving).

To buy: sell or withdraw Bitcoin. The Bitcoin Trading Cash App is verified.

Cash Card Access: The Cash Card a customizable debit card associated with your Cash App balance is only available to verified users. It’s useful for online or in-store purchases as well as ATM withdrawals.

Increased Protection: Verified accounts are less likely to fall for scams and login will require stronger identity verification.

Access to Features: Some features -such as direct deposit, investing in stocks, and instant transfers are reserved only for verified accounts.

Reputation and Trust: As a verified account, it indicates authenticity and credibility during transactions with others.

Why Use Verified Cash App Accounts Over Unverified Ones? If not, then your Cash App money will not be safe. Here’s why:

Trust: If your account is verified, you can say goodbye to the fear of your account being frozen or limits placed on it for not knowing enough.

You don’t have to be interrupted from using the higher transaction limits and access to all features banking is much more convenient

Security: Top-notch security capabilities to protect your assets and personal information so you can sleep well at night

Compliance: Verified accounts are often a necessity for compliance with financial regulations and anti-money laundering laws, particularly regarding high value transactions.

Here is flexibility: Verified accounts can be utilized for more profound exchanges or trades.

If you Use It for Business: If you are using Cash App for business purposes, then a verified account does enhance your credibility and it ensures an uninterrupted transaction experience with your customers.

5starseoexper Website: Why Purchase Verified Cash App Accounts? 5starseoexper will provide you with Buy verified Cash App accounts as per your requirements. Here’s what you might love about buying from them:

Verified Accounts: All accounts that are sold from 5starseoexper are verified, and with our accounts you will have all the premium features of Cash App unlocked.

Got be Time Saving: Cash App account creating and verification can take time. Getting a pre verified account. However, means you don’t have to go through with the verification process.

Quality Accounts: Accounts created with valid information so they can not disturb Cash App terms and conditions.

Customer Support: 5starseoexper provide dedicated customer support to solve issues or queries related to the purchased accounts.

Bulk Accounts: 5starseoexper offers bulk purchasing options for businesses or individuals requiring several verified accounts, driving competitive pricing.

Fast Delivery: You can start using it as soon as you buy an account. With no wait times, you can instantly use your verified Cash App account.

Secure Transactions: Platform monitors reliable payment methods, keep your information safe during the purchasing process.

International Access: 5starseoexper is available for usage regardless of your location, as they offer accounts suited for users both domestically and internationally.

How Verified Accounts Can Help You There are several reasons one might want to have a verified Cash App account, such as:

Individual Use: Create the best savings and spending plan for yourself, transfer money to friends and family, and more with features like Bitcoin trading and direct deposits.

Personal Transactions: Receive payments from your clients or customers using a verified account. This is particularly useful for freelancers, small business owners, and entrepreneurs.

International Transfers: Verified accounts can send international money transfer, according to the region Cash App supports.

Investments: Verified accounts allow you to invest in stocks and cryptocurrencies directly in the app.

Emergency Scenarios: A verified account can act as a lifesaver during emergencies due to increased transaction limits and immediate transfer capability.

It helps in Trust Development: Having a verified account will lend credibility, and you will be able to build trust with other people while having financial transactions.

Risks to Consider When it comes to buying a verified Cash App account, there are some things you need to know first. Unfortunately, scammers have found a way to use this convenient method of transaction to rip off unsuspecting users. Another classic scam trick is what is called money flipping and it usually involves the scammer asking you to send them a small amount of money so that they can flip it for you. The flip never occurs after you send the money and the scammer disappears.

Another popular scam goes like this: the scammer tells you need to send them money “to redeem” some larger payment they have sent you that will be returned once you send them the money to process the payment. Such scams are executed on the basis of one when the victim is anticipating the larger sum of his or her refund in return for him or her having submitted his or her funds.

Scammers might even send you a payment “by mistake” and then ask you to send it back to them. Then they dispute the original transection and you are left having accidentally sent the scammer your cash.

Conclusion Having a confirmed Cash App account open up a whole new world of possibilities for you, including more security, limits on transactions, the ability to trade Bitcoin, and your own Cash Card, amongst other benefits. Trusted providers, such as 5starseoexper, who offer verified accounts for sale, can provide a hassle-free solution for those who do not wish to go through the verification process. When using an account for personal, business, or investment purposes, you may find a verified account to be a great asset to increase your financial options in the world, as well as your credibility. 5starseoexper verified cash app accounts come with immediate delivery, and authentic verification and with impressive customer service.

[dubairealestate24]

Common Mistakes to Avoid When Applying for a Home Loan in UAE

Applying for a home loan in the UAE can be a complex process, and avoiding common mistakes can help you secure the best terms and conditions. This guide highlights common pitfalls to avoid when applying for a home loan in the UAE.

Understanding Home Loans

Home loans, or mortgages, come in various forms, including fixed-rate, variable-rate, and Islamic mortgages. Each type has its benefits and considerations.

Fixed-Rate Mortgages: These loans have a fixed interest rate for a specified period, providing stability in monthly payments.

Variable-Rate Mortgages: The interest rate fluctuates based on market conditions, which can lead to lower initial rates but potential increases over time.

Islamic Mortgages: Compliant with Sharia law, these mortgages involve profit-sharing rather than interest payments.

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Common Mistakes to Avoid

Not Shopping Around: Failing to compare different lenders and loan products can result in higher costs and less favorable terms.

Overlooking Fees: Be aware of all fees and charges associated with the loan to avoid unexpected expenses.

Ignoring Pre-Approval: Getting pre-approved helps streamline the home search and strengthens your bargaining position.

Taking on New Debt: Avoid taking on new debt during the loan process, as it can affect your financial profile and loan approval.

Not Understanding Loan Terms: Ensure you understand all terms and conditions of the loan, including interest rates, repayment terms, and early repayment penalties.

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Steps to Securing a Home Loan

Assess Your Financial Situation: Begin by evaluating your financial health. Calculate your income, expenses, and savings to determine how much you can afford.

Improve Your Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Save for a Down Payment: Aim for at least 20% of the property's value to reduce mortgage insurance costs and improve loan terms.

Compare Loan Options: Different lenders offer various products. Compare rates, terms, and conditions.

Get Pre-Approved: Pre-approval provides an estimate of how much you can borrow, making the home search more focused and efficient.

Submit Your Application: Complete the mortgage application, providing necessary documents such as proof of income, credit history, and property details.

Loan Approval and Offer: Once approved, the lender will present an offer detailing the loan amount, interest rate, and repayment terms.

Finalizing the Purchase: After accepting the offer, work with your lender to finalize the purchase. Ensure all legal and financial aspects are in order.

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Tips for a Smooth Home Loan Process

Maintain a Good Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Avoid New Debt: Refrain from taking on new debt during the loan process to maintain your financial profile.

Consult with a Mortgage Advisor: Professional advice can help you navigate the complexities of securing a home loan.

Understand Fees and Charges: Be aware of all fees and charges associated with the loan, including processing fees, valuation fees, and early repayment penalties.

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Legal and Regulatory Considerations

The UAE has specific regulations governing mortgages. Ensure compliance with all legal requirements, including property registration and transfer fees.

Dubai Land Department (DLD): The DLD oversees property transactions. Ensure all documents are registered with the DLD.

No Objection Certificate (NOC): If buying from a developer, obtain an NOC confirming no outstanding payments or disputes.

Conclusion

Avoiding common mistakes when applying for a home loan in the UAE can help you secure the best terms and conditions. By following the tips outlined in this guide, you can navigate the process efficiently and achieve your homeownership goals. For more resources and expert advice, visit home loan dubai.