#personal loans comparison

[triplemfinance]

Navigating Personal Loans in Australia: A Comprehensive Guide

In Australia, personal loans serve as versatile financial tools that cater to a wide range of needs, from financing home renovations to consolidating debt or covering unexpected expenses. Understanding the landscape of personal loans, including their types, eligibility criteria, application process, and considerations, is crucial for making informed financial decisions. In this blog post, we explore everything you need to know about personal loans in Australia to help you navigate this aspect of personal finance effectively.

Types of Personal Loans in Australia

1. Unsecured Personal Loans:

Description: These loans do not require collateral and are typically based on the borrower's creditworthiness, income, and financial history.

Benefits: Provide flexibility for various purposes, such as travel, medical expenses, or purchasing goods and services.

2. Secured Personal Loans:

Description: Secured against an asset, such as a vehicle or property, which serves as collateral to secure the loan.

Benefits: Generally offer lower interest rates compared to unsecured loans due to reduced risk for the lender.

3. Fixed-Rate vs. Variable-Rate Loans:

Fixed-Rate Loans: Maintain a consistent interest rate throughout the loan term, providing predictability in monthly repayments.

Variable-Rate Loans: Interest rates may fluctuate based on market conditions, potentially offering initial lower rates but subject to change.

Eligibility Criteria for Personal Loans

1. Age Requirement:

Typically, applicants must be at least 18 years old to apply for a personal loan in Australia.

2. Income and Employment:

Lenders often require proof of stable income and employment to ensure the borrower's ability to repay the loan.

3. Credit History:

A good credit history demonstrates responsible financial behavior and may affect loan approval and interest rates offered.

Applying for a Personal Loan in Australia

1. Research Lenders:

Explore banks, credit unions, online lenders, and financial institutions to compare interest rates, fees, and loan terms.

2. Gather Documentation:

Prepare documents such as proof of identity (e.g., passport or driver's license), income statements (e.g., pay slips or tax returns), and details of assets and liabilities.

3. Submit Application:

Complete the lender's online application or visit a branch to submit your application along with the required documentation.

Considerations When Choosing a Personal Loan

1. Interest Rates and Fees:

Compare interest rates, including any establishment fees, monthly fees, or early repayment penalties, to assess the total cost of borrowing.

2. Repayment Terms:

Evaluate the loan's repayment schedule, including the loan term and frequency of repayments, to ensure they fit within your budget and financial goals.

3. Flexibility and Features:

Consider additional features such as redraw facilities, repayment holidays, or flexible repayment options that align with your financial needs.

Benefits of Personal Loans in Australia

1. Access to Funds:

Personal loans provide quick access to funds for various purposes without needing to dip into savings or investments.

2. Consolidation of Debt:

Consolidating high-interest debts into a single personal loan with a lower interest rate can simplify finances and potentially reduce overall interest costs.

3. Financial Planning:

Personal loans can be used strategically to fund major expenses or investments, supporting long-term financial goals.

Conclusion

Personal loans in Australia offer a valuable financial solution for individuals seeking flexibility, convenience, and access to funds for a variety of purposes. By understanding the types of loans available, eligibility requirements, application process, and factors to consider when choosing a loan, borrowers can make informed decisions that align with their financial needs and goals.

Explore the diverse options of personal loans in Australia today to find the right solution for your financial aspirations. Empower your financial journey with clarity, confidence, and the right financial tools.

At Triple M Finance, our experience and a wealth of industry connections allow us to assist you with your application from start to finish and make the process simple. We take the time to get to know each and every client’s indvidual needs and circumstances to ensure we provide you with your ideal financial solution.

[loansmee]

Discover various personal loan options and learn how to apply online with ease. This comprehensive guide covers the application process, benefits, and types of personal loans available. Explore expert tips, FAQs, and practical advice to help you secure a personal loan seamlessly and efficiently, ensuring you make informed financial decisions.

[everydayloanindia1]

Top 7 Factors to Consider During Personal Loan Comparison

When conducting a personal loan comparison, consider these 7 factors: interest rates, loan tenure, fees and charges, repayment flexibility, eligibility criteria, loan amount, and customer service. Evaluating these aspects helps you choose a loan that best fits your financial needs and capabilities, ensuring you get the most favorable terms and conditions. Careful comparison can save you money and prevent future financial strain.

[harishloans]

Personal loan apply online

Personal loan apply online

personal loan applies online; Loan is very easy to apply online and many Banks NBFC are offer instant quick approval’s Quick disbursement in 30 minutes to 4hours is maximum, but some important key point to get instant Approval’s

GOOD CIBIL SCORE

SALRY CREDIT BANK NET BANKING OR DEBIT CARD AUTHENDICATION

WORKING IN PVT LTD COMPANY

METRO CITIES

SALARY ABOVE 15K

    ENAF THESE THINGS ARE VERY IMPORTANT TO GET ONLINE PERSONAL LOAN, WITH QUICK APRUVAL’S & DISBURSEMENT,

[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.

[bluecollarmcandtf]

Cash Slave, reporting in...

Good morning, master. State Trooper Hernandez reporting!

I hope you're doing well since the last time we saw each other. Again, I can't apologize enough for pulling you over on the highway. I had no idea you were such an amazing hypnotist. Thank you again for letting me get off easy and only making me taze myself twice! I was paralyzed in that muddy ditch for awhile, but you could've given me a helluva worse punishment!

Your instructions aren't negotiable, so I made sure to snap a photo before I started my shift today. As you suggested, I've been eating a box of donuts every morning, and I've packed on a hefty 30 lbs since I've started. My wife has complained, but I know you want me to look more like a cliche of law enforcement!

I'll stop by your house to drop off my paycheck tonight after work. I won't forget to pick up some pizza for you and your friends on the way: extra sausage, just like you said!

See you tonight, master!

Hello sir.

It's been a week since you came into my shop, and I've followed everything you said. I didn't agree with it at first, but you convinced me with that little pendant.

You were right! I really am beneath powerful men like you. Filthy blue-collar workers aren't worthy to lick the dirt off your shoes. You were right to point that out, and you were right to tell me to embrace it. When the world looks at me, they shouldn't see a man. They should see a grease monkey at the bottom of society.

That's why I haven't showered or changed in seven days. My BO is uncomfortable to work in, but I know it's just a reminder of what I am. I used to be proud of my job. Ha! I used to look down on suits like you, but I'm nothing in comparison; just a tool at your disposal.

Anyways, I cleaned and waxed your old car as fast as I could. I know I lent you my convertible, but you're welcome to keep it. I put a lot of sweat and blood in fixing her up, but like you said, fancy cars are meant for you to drive and me to maintain.

Stop back in my garage anytime. White-collar men like you get free service here! It's not the place of any lowly laborer to get in the way of what you want.

Thank you again, sir.

Hello boss.

Just started another long day of window washing! It's another hot one, but I'll keep my head down and sweat through it like usual.

I've gotta say, it's days like this that make me miss the comforts of my old corporate desk job. I'd kill for some AC right now, but I remember how much you made me realize I hated that career. Like you said, I'm much better suited to a life of mindless cleaning.

It turns out you're the real one with a knack for business strategy because all of your advice has been genius! The income is dependent on the hours I put in, and since I'm working for half the price of all competitors, I've gotten a monopoly on the market! I've fully booked all seven days for the next five or so weeks, so I'll be washing windows non-stop!

The business is already booming! I've been billing customers to your bank account, so you should already see all the profit in there!

Later today, I'll make a note of the minimum I need to replenish the cleaning supplies I'm running through. I'd also be grateful if you loaned me a bit for personal use, but it's understandable if you can't spare any! We agreed that I wasn't working for a salary, and I'm fine with that! I've been sleeping in the company van the last few weeks and it's more than good enough for me!

Don't worry, boss. I'll get back to work!

Tell my wife hello for me, master!

Working on a rig has been isolating. The job is brutal, the days are long, and every night I head back to our bunks covered in oil. I thought I'd at least get to bond with the other guys, but most of us are too tired to do anything but eat and sleep after our shift.

The only thing that's getting me through it is thinking about you. I know I also have a girl at home, but you were the one that gave my life purpose. I was never going to make money as an actor, and you helped me see that! You were the one that convinced me to go for this ridiculous job in the middle of the ocean, and now I'm making a ton of money!

You deserve it all.

I wouldn't have seen any of this cash if I hadn't stuck around after your stage hypnosis show. I still remember the wild look in your eyes when you came up with this idea for me. I also remember that hungry look you had when you saw my wife. It was impossible to say no.

Oh, and thanks for keeping my wife company while I'm gone. A man like you deserves her attention more than I do. Like you said, I doubt I was pleasing her to begin with. The only thing I'm good for is earning money, and I hope you're enjoying it because it sure isn't easy to earn!

I gotta get back, but I wanted to let you know that I signed up for another six months like you suggested. It's lonely, but I'm happy to do it, master!

Son, or should I still call you 'sir'?

I'm not sure if I your new title applies through text as well? Being your dad and your servant can be a bit confusing, but I don't mean disrespect you! Just let me know.

My workout is done and I'm headed back to your house. I signed the deed over to you this morning, so you officially own it now! Like usual, I'll clean the place from top to bottom. I've got all the mops and cleaning supplies in my van and ready to go. Since it's Friday, I'll start on the weekly yard work; mowing, weeding, etc... I don't want to bore you with the details, but it'll take the majority of the day to keep your place in tip top shape!

As I understand it, you are having friends over tonight, so I'll prepare a three course meal for eight. I ironed my apron this morning so I should look like a more presentable waiter than last night when I served your food!

As always, please let me know if there's any other way I can be of service today or tonight.

I'll be awaiting your return, sir.

Hey little bro,

I just finished my workout at the gym with dad. We're both hitting PRs and we're really starting to see some results! Still can't believe you hypnotized his dumb ass to think he's your butler! That man looks so stupid changing from gym clothes into a bowtie and gloves. He's constantly calling you 'sir' too, even when you're not around.

He's such an idiot.

Anyways, I'm all dressed and ready for my new job. You were totally right. I'm going to be so much happier as a clown instead of a wrestler. I'm about to head out to my first gig; a ten year old's birthday party. I think he's the kid of someone I used to compete with. It might be a little awkward, but it won't affect my routine. I've got an afternoon of pies in the face and self-deprecating humor ahead of me.

I made sure to tell the guy who hired me that I'm willing to stay after and clean up. Kids make a huge mess after all. I just hope he won't be too weird about me being a clown at his son's party. We may have been rivals in the past, but that was back when I wrestled. Now I'm just a joke for hire. He's technically my boss for the day, so I'll have to get used to taking orders from him.

Wish me luck, bro. I'll give you the money after the dad dismisses me. Let's hope I make a good clown!

[yeetushaitus]

i will defend capcoms translation of aai2 to hell and back because ykw if it gets more eyes on this game then im all for it but theres just. ONE thing that gets me about the new translation dont know if i can explain this very well but whatever ill try

also HUGE HUGE spoilers for AAI2, PLEASE dont read if u havent played the full game

ok so. i was just listening to a steamer play the collection in the background and at the end of the 2nd convo w simeon in ch2 i heard this

and thn i backtracked and noticed that he kept calling knight by his first name

i was like "huh did he always do that? swear he called him by his last name in the fan translation" and turns out he does

the only reason i even remembered that was bc in the flashback convo in ch5 between knightley and simon, when simon calls him horace it REALLY stuck out because up until this point basically nobody has called knightley by his first name, not even his best friend

imo his own best friend calling him by his last name kind of foreshadows the emotional distance simon feels towards knightley and just. dude this was SO intentional

and in case youre wondering, simon calls knightley by his last name, 内藤(naitou), in the japanese version too until the goodbye part where he calls him マノスケ(manosuke)

usually manosuke is written out with kanji, but when he says it here its in katakana which is only used for loan words blah blah blah ok

if im wrong sue me but using katakana like this is either a sign of closeness, like how in japanese edgeworth calls kay ミクモくん(mikumo-kun) in katakana(also probabaly partly bc he doesnt speak formal japanese with like. anyone?? see this post) or emphasis like how capital letters are in english(obv its not a one to one comparison but whatever u get it)

my japanese isnt the best so. take this w a grain of salt BUT

basically. the use of katakana emphasizes his use of knightley's first name so this was TOTALLY an intentional thing(bc otherwise they wouldve just written it normally) that the localizers just i guess opted to ignore???? or maybe im just a crazy person whos watched like every lets play of this game ever and im reading too deep into it

tbf its a REALLY small detail in the grand scheme of things but with how carefully every detail that hints to simon's identity as the mastermind has been planted in this game, its kind of sad that a lot of players will miss out on this

ANYWAYS sorry it was 2am at the time of writing this and im so bad at explaining my feelings but. hopefully this made sense idk i dont write good but like im convinced this flashback and this line specifically is like at least half of the reason i love manosouta

[spiderfreedom]

my suffering is profound and legitimate, yours is frivolous nonsense

Just reading a blogger I like but I had to laugh because she was talking about how beauty practices are bad for women's mental health, and she left a note saying "unlike gender affirming care! gender affirming care improves people's mental health and it's nothing at all like cosmetic practices."

TIL, when an older woman gets botox to remove her wrinkles and avoid facing the inevitability of decline and death, her problem is spiritual/structural and she needs to Do The Work to deprogram her ageism, unlike people with dysphoria, who of course have legitimate claims to cosmetic alteration.

And it is cosmetic - no part of the body that is altered by HRT or SRS or any of the feminization/masculinization surgeries is failing to function or functioning poorly. The problem is with the brain, which perceives the body parts as foreign or undesirable. We may sympathize with someone struggling with such a condition, but that does not change that the body parts being altered were already healthy and the alterations are cosmetic, and the relief being brought about is mental.

But plenty of trans people openly admit that separating body dysmorphia and gender dysphoria is a losing game. Contrapoints's video on "Beauty" (transcript) has the observation that she feels least dysphoric when she is meeting feminine beauty norms:

But I also think that trans people often talk like gender dysphoria is this intrinsic, personal experience that's always 100% valid and never has anything at all to do with the external pressure of beauty standards. But in fact, gender dysphoria is not sealed away in a vacuum away from the influence of societal ideals and norms.  [...] When I try to psychoanalyze myself, I find that my desires to look female, to look feminine, and to look beautiful are not exactly the same, but they're woven together so tightly that it's kind of difficult to untangle them. And the opposite is also true, that for me feeling mannish or dysphoric usually goes along with feeling ugly. I don't have a lot of days where I walk out the house thinking "well, I'm giving femme queen realness, but apart from that I look like absolute shit". 

Max Robinson's book "Detransition," from an FTM perspective, points out how the prospective trans man views his suffering as unique from and distinct from women's, even as the surgeries they seek are not especially different:

The stereotypical cosmetic surgery patient is seeking to become closer to being perfectly feminine - she wants to be beautiful. Transitional cosmetic surgery, on the other hand, is widely understood to mark the patient as ex-female and therefore unfemale; this is part of the meaning FTMs seek to create through surgery. FTM desire for cosmetic surgery is positioned as something totally different than the stereotype of a woman who 'merely' seeks beauty at her frivolous leisure. FTMs are deemed to have a rare affliction that needs urgent, life-saving treatment. Conversely, there is nothing more common than for a woman to become obsessed with her socially-deemed 'unsatisfactory' looks and desperately seek to change them, believing that such a change is the only thing that can restore her quality of life. This comparison will feel like an insult to the FTM. It will feel that way because we believe other women's suffering doesn't matter, and recognize how much ours does. Women's suffering is ordinary but ours is extraordinary. For us to matter, we must be differentiated from the silly little woman who wants to be pretty so badly she'll pay thousands of dollars (now billable to credit cards and loan programs designed to pay for elective surgeries!) to risk her life and health. These women don't need to be fixed; we do. FTMs know that we don't deserve a woman's fate but have not yet realized that no woman does.

I have more to write on the topic of the relationship between gender identity and beauty culture, but I'll end this one here. It makes sense that somebody who is identified with the opposite sex would also be affected by the standards of beauty expected of that sex. (Non-binary identification is more complicated and requires separate treatment.)

[so-much-for-subtlety]

The thing that gets me so worked up about universal healthcare is how people say that it will be so expensive for the tax payer.

This is long rant warning so I added a break lol.

The TLDR is that even in a low tax state like Florida, someone making 50k a year will have an effective rate of of 32% (for taxes, healthcare, costs for an undergraduate degree).

Someone making 50k a year in a 'high tax' country like New Zealand has an effective rate of 21% (for taxes, healthcare, costs for an undergraduate degree).

For an American and a Kiwi with the same salary of $50k, if they have the same disposable income, the Kiwi will be able to save an extra $75,000 over 10 years that they can use for a downpayment on a home to further build wealth.

Low tax states just have the costs shuffled to other places, you end up paying a LOT more for the same services.

Here's a comparison of someone who makes $50,000 a year in New Zealand and Florida (I chose Florida as an extreme example because they have 0% state tax rate) and each person makes $15,000 worth of purchases that are taxable.

New Zealand

$7,658 in combined income taxes and levies

$2,250 in taxes on $15k of purchases (15% sales tax)

Total of $9,908 - an effective total rate of 19.8% paid to taxes and purchases and healthcare

Florida

$7,945 in combined taxes (federal taxes, social security, medicaid etc)

$1,050 in taxes on $15k of purchases (7% sales tax)

$1,700 average annual health insurance premium for Florida

$2,060 average annual health insurance deductible for Florida

Total of $12,755 - an effective total rate of 25.5% paid to taxes and purchases and healthcare

Even in a low tax state, you're already have less take-home income than someone with the same salary in New Zealand.

But

... in New Zealand with your taxes you're also getting public education. It's not completely free, but costs are fixed, and you get one year of your undergraduate free, so for example a Bachelor of Arts would cost a total of $13,548 (USD $8,347)

If you can't pay that upfront, you can get a 0% loan from the government, which you don't need to start paying off until you earn at least $23k per year. For someone making $50k that would be an extra 6.5% deducted from your income ($270/month) until the loan is paid off (which would be 2 years and 8 months).

In Florida the average student loan debt is 25k and if you're making the same payments as someone in NZ ($270/month) then you'll be paying that off for 11 years. [Note: I believe that some private loan interest rates go as high as 15%].

Bachelor of Arts in NZ $13,548, paid off over ~2.7 years.

Bachelor of Arts in Florida $35,539, paid off over ~11 years.

So lets look at effective payments over 11 years (for simplicity salary stays at 50k).

New Zealand works out to be 21% effective rate over 11 years (including taxes, healthcare, and undergraduate degree).

Florida works out to be 32% effective rate over 11 years (including taxes, healthcare, and an undergraduate degree) - you're paying 52% more!

That means someone with the same income will effectively be able to save an additional $5,000 per year over 11 years, if they invest that extra amount and get a 5% return, the New Zealander will have savings of about $75k which they can use for downpayment for a home etc.

In conclusion, even though it may seem like you're getting a good deal in a low tax state like Florida, you end up paying soooo much more in healthcare and education costs compared to a country where taxes are a little higher, but you get public healthcare and education.

Why is the U.S. so expensive? Well once place to look is defense, intelligence, and police. In the United States this costs on average $3,700 per person. New Zealand spends $1,600 per person (USD ~1,000).

[snickerdoodlles]

headcanons behind fic: Chay's allowance and KimChay zero baht dates mentioned in long & short

Kim chokes trying not to laugh. “Seriously Angel?” Chay looks at him, lips pulled into a pouty moue like what? “You only take me out on zero baht dates, but you’ll pay people to draw us as cats?” Chay sniffs primly. “I only use my allowance for education and fine art,” he says, haughty.

Korn giving Porsche and Chay a large allowance comes up in a lot of my fics I think, because I see him giving all of his sons and his wards a large allowance. And for once, it's not actually a part of his usual manipulation and control tactics.

(Well. It's not not about manipulation and control, because everything Korn does involves manipulation and control. Korn absolutely monitors their accounts and purchases, not to mention he's absolutely the sort of person to always have a mental ledger of favors given and owed for everyone, especially family.)

However, he doesn't need to control any of the boys' finances to have control over them and he's so present over all of them that giving them access to their own money (vs having them request it from him directly) doesn't give him any more advantage over them or could even run counter to it.

No, I see Korn giving all the boys a hefty allowance as a personal push back against the ghost of his father.

We don't know anything about grandpa Theerapanyakul beyond the fact that Gun invoked his name while yelling at Korn and the mere comparison of them rattled Korn more than the literal gun war happening in his own home. Of all the terrible fathers in this series, the grandpa takes the cake apparently!

Alongside Korn's deep-seated control issues, he also has this weird...thing where he really, really wants to be seen as a caretaker and good provider. He never outright denies his sons and is seemingly very supportive of them-- Khun was allowed to fall back and be taken care of, Kim was allowed to live separately to become a musician, he paid off judges in the name of Kinn's childhood dream, later he supports Kinn and Porsche's relationship-- and the whole fucked thing with Nampheung and the narrative he's constructed around him taking care of her. Even Korn's relationship with Gun is a little bit weird given how much he talks about competition. Like, he desperately wants to be seen as a good provider and caretaker, he just also can't stop being Korn and has that stupid-ass metaphor with the knife and the apple. It's a very crunchy contradiction.

Anyways, Korn's issues aside, I see Korn giving his sons and later wards personal allowances as a part of his personal image of himself as a good provider.

And Porsche and Chay hate it.

(Porsche reminds Chay they're very grateful. Chay mutters where was this help when Porsche took out an informal loan too young. Porsche hisses and whips his head around for any walls that are listening.)

Chay mostly just tries to ignore the supposed pile of money apparently just...sitting there, for him, and spend no differently than how he usually would (it doesn't feel real, digital money is never real to him). However, after so many years of Porsche sacrificing to save money for his needs and future, Chay can't bring himself to ignore the account completely when it comes to things like school or food. He never actually looks at his account, he mostly just squeezes his eyes shut whenever he uses his card for essentials and waits for the system to deny him, except it never does. That does not make Chay feel any better about the situation.

The only time Chay's close to breaking his "no treats" stance is shortly after he and Kim get together. Chay wants so badly to treat Kim to something really special, but. Money. He frets. He makes a pros and cons list. He paces. He has an entire argument with himself in the mirror. He angsts. He takes one look at Kim's happy face over a candlelight dinner and decides fuck it, that's a guy he's going to spoil to the moon and back, stupid blood money allowance be damned.

Except, as established, Chay's never looked at his actual account, so he goes to Cash the accountant to see what his options are for spoiling dates. Like, he's been paying his tuition and the card always goes through at the grocer or noodle house, and Korn does keep telling him his school allowance includes some extra spending money, but Chay wants to spoil Kim. A band they like will be on tour in Bangkok around Kim's birthday, Chay's gunning for special VIP tickets and some extra money for merch and dinner. Surely stupid rich mafia has plenty of money to spare for that.

Chay: would I, uh, be able to get a little extra money? tickets are 3000 but they're for a really special occasion and-

Cash, thinking about Kinn's 3000 dollar helicopter tickets: I don't care, let me just pull up your account details

Chay: thank you so much 🥺

Then Cash turns his screen around to ask Chay how much money he needs and. That is. A lot of money. So many digits. The decimal certainly in the wrong spot. Then Chay looks to the top of the corner and nearly screams because that's his name on the account, what the fuck?

Cash: Khun Korn said to have enough money to cover your tuition

Chay: [does not point out the initial balance was 3x his four year tuition]

Chay...leaves. He thinks. He doesn't know how he got from Cash's office to his room but his next stop is his bed to scream into his pillow until his throat hurts. Fucking rich people.

In protest, Chay takes Kim out the next evening on a zero baht date. They walk along whatever part of the river's nearest to their university to watch the sunset, have to jump a fence and duck two railings to even find a private sitting space away from any other river goers. The view's passable at best, at least free of most industry stuff thanks to the proximity to school but hardly the most inspiring. Chay spreads out his flannel for them to sit on, and feeds Kim dry packet ramen and stale shrimp chips he got free from a university event. He didn't even buy a drink, they survive off a mostly full bottle of grape soda Chay stole off a friend.

(It's a magical evening for Kim, obviously. Ferreting out little hidden spaces hand-in-hand with Chay, enjoying the nighttime air curled together, eating terrible cheap food that somehow tastes good? This is DOING things to him. He will be bringing a guitar and minimum two water bottles with him next time tho.)

[hamletthedane]

Don't have to answer if you don't want, but why is going to law school a bad idea?

Law school is really fun! Being a lawyer is not.

CW Network Parody Song sums up the points pretty well, but here’s the longer version:

It’s a very stressful and very unpleasant job, no matter what area of law you go into

Seriously, being a lawyer means your entire job is to get yelled at for 9-12 hours every day, and having to be brave enough to stand your ground and yell right back. Yes, even if you do [x area of law] - and yes, even if you never see the inside of a courtroom. It’s a very mean and very aggressive profession.

You’ll be so deep in student debt, the only people who attend your funeral will be your creditors.

Law actually pays really poorly in comparison to the amount of work you do + your student loans. Almost every other profession requiring a degree pays MUCH better per hour than law.

The job market notoriously really sucks. It’s very hard to get a good job as a lawyer, even if you go to a great law school. It’s a crazy hustle culture with new grads searching for months and often fighting for scraps.

Due to ~21st century efficiency~ you’re expected to have a work-product and billed hour output that is basically impossible to achieve. You’ll agonize over every hour you don’t spend working, and then agonize some more about your billables. I, along with several peers, have been admitted to the hospital before due to extreme stress and exhaustion making us dangerously ill.

At least a fourth of the people I know who did everything right - went to a fancy high-ranked school, passed the bar, and got an excellent job right out of school - stopped practicing within the first three years because they were so miserable. In other law schools, it’s probably at least a third of the school.

Unsurprisingly, we have the highest suicide rate of any profession per capita - by a very wide margin. And let’s not talk about the alcoholism issue (something like 85% of attorneys)

To enjoy and be successful in the legal profession, you have to be someone who really, REALLY, *REALLY* needs to win at everything. Even in transactional law - you’re always trying to beat someone and “win” at the deal. And so you’ll inevitably become a bit of a dick, even if you don’t want to be. It’s not like morally abhorrent or anything, but you have to accept that you’ll eventually become a little insufferable to be around.

…and I say all of that as somebody who genuinely loves my job and loves being a lawyer. And who practices in a relatively lowkey, low-stress field of law, working for some of my favorite people on the planet.

Now, if you read all of that and said “fuck you! That’s all totally worth the feeling of winning a case/achieving an outcome and sticking it to the man!” then congrats - you’re the rare person who probably should go to law school.

Otherwise: you have only one life. Please spend it doing literally any other profession.

[loansmee]

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[blueiscoool]

Rembrandt Portrait Found in an Attic Sells for $1.4M

The work is attributed "after Rembrandt" and dated to the 17th century.

Last summer, Christie’s sold the last known Rembrandt portraits owned by private collectors. But, a mysterious unsigned portrait in the style of the Dutch master recently popped up in an attic in Camden, Maine—and sold for far more than its estimate of $10,000–$15,000 at Thomaston Place Auction Galleries. Although the details surrounding this work remain murky, an anonymous private collector from the U.K. scooped it for $1.4 million.

“I never imagined I’d help close a deal for over a million dollars,” says Thomaston Place Auction Galleries’ staff member Zebulon Casperson, who represented the winning bidder over the phone, in a statement. “It feels like a shared victory.”

The new portrait turned up during a standard house call that Kaja Veilleux, the founder, appraiser, and auctioneer behind Thomaston Place Auction Galleries, made to an private estate in Camden.

We often go in blind,” Veilleux remarked in the auction house’s release. “The home was filled with wonderful pieces, but it was in the attic, among stacks of art, that we found this remarkable portrait.”

The perfectly preserved, purportedly antiquated work of oil on cradled oak panel depicts a teenage girl dressed in an austere black robe, with a frilly white collar and white cap, against a plain background. A gold, hand-carved Dutch frame rings the scene.

While the artwork’s style, particularly its striking use of light, indeed evokes Rembrandt, the real revelation is on the verso—which features a slip from the Philadelphia Museum of Art recording that Mr. Cary W. Bok, a late descendant of Philadelphia’s Curtis Publishing Company fortune, loaned it this artwork in 1970. The slip attributes the painting to Rembrandt, titling it Portrait of Girl. Although the slip also noted that Bok was based in Camden, it’s impossible to say whether his family put this portrait up for sale. Veilleux has pledged to keep the consignor anonymous.

The Philadelphia Museum of Art was unable to clarify which show the institution may have loaned this portrait for, but a representative did note that such a slip does not equal an authentication. Thus, Portrait of Girl hit the block as a painting done “after Rembrandt” on August 24. According to Live Auctioneers, the work is from the 1630s, an era where Rembrandt was overseeing portrait commissions as the head of art dealer Hendrick Uylenburgh’s studio.

But, lingering uncertainty hardly stymied the excitement. Seven hours into the second day of the Summer Grandeur sale in Thomaston that Saturday, bidding on the portrait opened at $32,500, already well above estimate, and ballooned rapidly over 60 successive offers by 11 bidders—two in person, and nine over the phone—in increments of $25,000. As bidding reached $900,000, the pack whittled down to three, and then two, phone bidders.

According to the auction house, the painting now represents one of the most expensive artworks ever sold in Maine. By comparison, Portrait of Marten Looten (1632) remains the most expensive authentic Rembrandt ever sold, after hammering for $33.8 million in 2015.

By Vittoria Benzine.

[raelle-writing]

DFF Theory: Non's brother is White

Warning that this post will contain spoilers for episode 6 of DFF, spoilers under the break

One of my biggest unanswered questions about DFF right now is: Who is New? And will he play a role in the series in the future?

We don't KNOW that New will have a role in the series, of course, but he's talked about a lot. he could just be there to identify Non as the lesser child while New is the golden child, and show why Non feels like he can't talk to his parent about his problems...

So, what do we know about New?

1. Based on the family photos shown in episode 5, we can see that New is EITHER a couple of years older or a couple of years younger than Non. Non is in 11th grade, so that would make New either around 19 or 15.

2. We know he's studying abroad and his family is sending him money. We don't know where, or what age he is. It's implied that he's older by the comparison, but it's never said specifically (unless there's an honorific that isn't being translated into English). We also know that New needs a lot of monetary support wherever he is abroad, since Non's mom talks about taking out an emergency loan to send him more money.

So then, IF we assume New is part of the show, who is he? I'm going to go ahead and say he's not Phee because we know Phee is the ❤️, wants to be Non's BF, and he's not abroad.

So who does that leave?

The three people I can think of are Tan, Perth, and White.

Perth might be the most likely because we haven't seen much of him yet, but he IS in the background of some of the casino scenes. And maybe it's possible that Perth plays New, and New is actually not a good kid and is in with a gang but has his whole family fooled, and the reason he keeps having to ask for money is because he's in debt or keeps losing it...

But I don't think that's likely, so that rules out Perth.

Next is Tan, who is probably the most obvious choice. But I don't think the timeline makes sense, considering New would be older or younger than Non and Tan is in the same grade as the other main characters. So unless he was able to fake his name, age, and schooling records it would've been impossible for him to transfer into their school in the same year as the rest. It is possible that he could pull that off, but Non's family is shown to not have money, so I don't know how he could've pulled off faking those records. So IMO, Tan is out.

The last option is White, which I will say, DOES fit the timeline. If Non's brother New is actually younger than him and brilliant, he could be studying abroad in an advanced program, and it might also explain why his family keeps needing to send him money since he wouldn't be able to get a job if he was that young.

White is the youngest of the group since he calls everyone there "Phi" and at the beginning, the friend group teases Tee about "tricking kids." White also shows a lot of capability in tense moments, and is the one who is the best with technology.

White acts scared and cries a lot when the others are around, but when left to his own devices he steals the tape, watches it, finds a gun and steals it. He's also the one who is good with technology. He mentions in the first episode that he'll work on boosting the signal of their walkie talkie, which isn't a simple thing to do. He's good with computers, probably too good for his age.

I think that of all the people who we've seen so far in the show, White is the most likely to be Non's brother. The comparisons are a misdirect, so we wouldn't suspect him. White has Tee (who is the person who has screwed Non over the most so far) wrapped around his little finger from the beginning. He plays up being cute and helpless until the exact moment he needs to be capable, then he's capable as hell.

I'm not sure that New is going to play a part in this series, honestly. But if he shows up, I think White is the person who fits the bill best.

[ewingstan]

Halloween and cringetober may be behind us, yet I remain, coughing this up onto your back porch. Alec Lisa and Aisha were the only ones who enjoyed the costume party. Individuals and costume explanations below the cut:

Aisha and Brian: Power and Aki Hayakawa Chainsaw Man

This one goes out to the nine-year old I work with who wore a Denji costume for the school Halloween parade. Shoutout to you guy I don't know how you're allowed to watch that its the blood and sexual fantasies show.

I feel like miss suiciding-baiting-people-on-4chan would like Power. Aki works for Brian as they carry the "supposedly normal responsible one of their batshit group who very clearly has something wrong with him" niche of their series.

I feel like CSM is something that Brian and Alec would put on in the background when they were hanging out together. It's not really either of their thing, but it good pizza night fodder. Brian freaks out when Aisha mentions watching it.

Brian agreed to be Aki after he learned he could just wear a suit instead of making a real costume. Brian obviously likes objectively ridiculous costumes but it has to be something strained through 5 layers of machismo and a 17-year-old's idea of professionalism. He'll dress like something that gets painted onto a van but if there's too much whimsy or fun he'll start to freak. So halloween costumes would be weird for him. Aki just wearing a suit and a sword seemed like a good solution for this right up until the point where he had to explain what it was. Its from, hm, y'know, uhhhh this anime that my sister likes I'm just here to match with her.

Whenever he pulls the "I'm just in costume for my sister" thing Aisha makes everyone forget she exists. No escaping the weeb allegations for you Brian.

Taylor and Lisa: Madoka Kaname and Homura Akemi, Puella Magi Madoka Magica

Don't know if I need to explain this one, Worm/Madoka comparisons are almost cliche at this point

The costumes were Lisa's idea. Obviously.

The costumes were also Lisa's purchases, and enough was spent on them to make a veteran cosplayer weep. Her refusal to die her hair black would also make them weep but for different reasons.

After taking a look at herself Taylor enveloped herself in a particularly dense bug swarm for the whole night.

She eventually retreated to some side-room she found Brian hiding in and chatted with him for the rest of the party. On the condition that he make a darkness cloud for her.

She started choking on a prawn half an hour in after remembering he could see through his darkness clouds.

Rachel and Alec: Jade Harley and Dirk Strider, Homestuck

They are not going as a matching pair. Rachel does not know that she and Alec are wearing costumes from the same comic. She does not know what Homestuck is. This is one of the many ways she's better than us.

Rachel thinks she should've just been able to wear her usual dog mask for this party. Its a costume. What do you mean it doesn't count.

And why is her usual mask not enough, but the dog ears Cassie was really excited to loan her are fine? Aren't ears less costume than a full mask?

Admittedly apart from the pseudo-mind-control Alec and Dirk don't have a lot in common. Alec probably thinks he's more like Dirk than he actually is.

Dirk is if the concept of being in your own head was a guy, nay several guys, while Alec literally has to outsource getting in touch with his emotions to other bodies. Honestly the closest worm character to Dirk would probably be Krouse, considering the whole "chessmaster-manipulator who puts everything on himself and overmanages all his relationships while self-identifying as the person who can handle being the bad guy" thing, which Alec doesn't have going on at all. However:

It let me put Alec in a silly little fancylad outfit.

(Also they're both SB&HJ fans, so honestly I think its the perfect choice).