#pre-qualified loan
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Since Steph and Kara became friends during Steph’s Batgirl run and post all her critical character development and casually horrifying pre Batgirl life, I imagine Steph accidentally lore dumps crazy shit in conversation:
———
Kara: Holy shit, are you okay?!
Steph (holding her certainty broken arm): Eh- hurts less than giving birth.
Kara: I guess?
Steph: Although, I think my baby had an unusually large head.
Kara: Oh… wait, what?!
———
Steph: You can stay with me few days, just don’t use my shampoo.
Kara: That’s the only rule?
Steph: Yeah, I had to start hiding it when my Dad let Ed Nygma and his goons stay over.
Kara: …The Riddler stole your shampoo?
———
Kara: You have to have hobbies outside of crime fighting.
Steph: I liked gymnastics in high school.
Kara: Okay, that’s something!
Steph: I quit cause I found out my coach was dealing drugs to kids.
Kara: Oh.
Steph: I also played piano as a kid but I quit that too cause after my parents left me with a pervy babysitter for days I didn’t trust any adult men for a while, including my piano teacher.
———
Steph: You’re really nice to me.
Kara: Well, yeah? We’re friends!
Steph: You haven’t even told me to go away once!
Kara: Why would I want you to go away?
Steph: Normally it’s cause Batman thinks I’m no good- but I guess that wouldn’t matter to you?
———
Kara: Do you ever wonder what your life would be like if you’d never met Batman?
Steph: I’d be in prison, probably.
Kara: For what?
Steph: I was gonna murder my Dad… actually I think I would have gotten away with it so maybe not prison?
Kara: …Forget I asked.
———
Steph: Ugh! I’m going to kill Bruce!
Kara: What’d he do now?
Steph: He paid off my student loans without telling me!
Kara: That’s… terrible?
Steph: I don’t want his stupid pity presents. He does this every year!
Kara: Pity present?
Steph: Yeah, it’s his yearly “sorry you got murdered” gift. Last year I magically qualified for a WE scholarship I didn’t apply for.
Kara: …I might regret mentioning it but did you say murdered?
Steph: Huh? Oh, yeah, brutally- that’s why I don’t like walking past construction sites. Hold on, I need to call Bruce and yell at him.
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August 4 - Hollywood Food Insecurity Spikes Amid Strikes
The entertainment industry’s most vulnerable workers are increasingly unable to feed themselves amid a historic double strike with no clear end in sight, according to non-profits tasked with addressing the food insecurity crisis. They describe Hollywood’s ongoing work stoppage — prompted by the contractual impasse between the writing and acting guilds on one side and the Alliance of Motion Picture and Television Producers on the other — as a humanitarian emergency broadly affecting the community, not just striking union members.
The Los Angeles Regional Food Bank, which runs pantries for those in need throughout the county, attributes a meaningful portion of its nine percent uptick in year-over-year distribution to the strikes’ impact. “When income stops immediately, the demand rises very rapidly,” explains chief development officer Roger Castle.
“This is happening right after the pandemic, which drained a lot of people’s savings,” observes Keith McNutt, executive director at the Entertainment Community Fund, which has distributed $3 million to more than 1,500 workers as of Aug. 1. “So, you have the financial burden on people who’ve already been depleted.” As a result, his organization — whose donors include Seth McFarlane, Steven Spielberg, and Greg Berlanti — has seen an unprecedented wave of immediate requests for basic living expenses, including groceries. “Before this started, we would do about 50 grants out of the L.A. office a week. Now we’re getting 50 applications a day.”
On July 28, below-the-line unions IATSE and the Teamsters Local 399 held a drive-through food drive for industry members affected by the strikes at IATSE’s West Coast headquarters in Burbank. It drew about a thousand vehicles throughout the day.
According to the relief nonprofit Labor Community Services, which helped to organize the event and is planning another in August, the organization distributed 1,740 food boxes, feeding an estimated 8,700 people, that day.
In California, striking workers are ineligible to receive unemployment assistance, while nationally, they cannot receive SNAP food benefits unless they qualified pre-strike — something Sen. John Fetterman of Pennsylvania is aiming to change with a new bill, introduced July 27. One place that striking actors in particular can turn to for help during the work stoppage is the SAG-AFTRA Foundation, which offers emergency financial assistance and other resources, including grocery store gift cards, to union members. SAG-AFTRA made a seven-figure donation to the Foundation early in its strike to assist these efforts. (The WGA West does provide its own members with emergency financial loans from its strike fund and Good and Welfare fund.)
Cyd Wilson, its executive director, has seen an explosion in demand for the organization’s help. “People are making these decisions: Should pay my rent, or should I put food on the table? Should I put food on the table, or should I pay my utilities?” she explains. “There’s a great deal of suffering that’s happening.” By Wilson’s estimate, the foundation is now handling 40 times its typical number of applications per week, and it has already distributed as much in grants since the beginning of the WGA’s strike three months ago as it typically would in the span of a given year.
Meanwhile, Groceries for Writers, a direct aid project administered by Humanitas, a non-profit focused on film and television writers, has distributed more than 1,100 gift cards to WGA members since the onset of its work stoppage in early May. Humanitas executive director Michelle Franke says that “many of these writers have left notes indicating they’re in very urgent financial situations. Writers describe struggling with student debt, falling into eligibility gaps with CalFresh and EDD [state unemployment assistance], eviction notices, writing teams splitting low pay, having only just moved to Los Angeles and not having a large local support network as a consequence, dwindling savings.”
Groceries for Writers is hardly alone in addressing the growing need. In July, L.A.’s World Harvest Food Bank founder and CEO Glen Curado estimated to The Hollywood Reporter that his organization, which is offering free food to striking writers and actors, was serving an average of 150-200 members of this group per day. That effort was inspired by The Price Is Right host Drew Carey’s gesture of paying for all striking writers dining at Bob’s Big Boy in Burbank and L.A.’s Swingers Diner for the duration of the work stoppage.
THR asked both the AMPTP and the talent unions whether they bear any responsibility for the worsening situation. In a statement, a spokesperson for the AMPTP said: “Like those negotiating on behalf of the guilds, representatives from the AMPTP and its member companies came to the table in good faith, wanting to reach an agreement that would keep the industry working and prevent the hardships caused by labor strikes.” SAG-AFTRA didn’t respond to a request for comment, while a WGA spokesperson said in a statement: “The public knows that working people are putting everything on the line in order to negotiate a fair deal with the studios who have caused this strike and the resultant suffering by refusing to address the reasonable proposals that writers brought to the table over 90 days ago.” Neither the AMPTP itself nor any of its major studio and streamer members responded when THR asked if the companies or their philanthropic arms had made any contributions specifically to address the industry’s food insecurity crisis since May.
Support staffers — early-career workers who fill roles such as assistants and coordinators and tend to be low-paid — are especially at risk at this time. “So much of the compensation that they receive is, no one’s going to say it, but it’s implied to be food-based,” notes Liz Hsiao Lan Alper, the co-founder of advocacy group Pay Up Hollywood and a WGA West board member. Alper says that support staffers are often paid the “bare minimum” but access complimentary food through writers’ rooms, craft services on sets or in agency kitchens and conference rooms. And so, when the strikes occurred, the need was “overwhelming,” she explains: “It’s invisible compensation that just went away when the work stoppages happened.”
For that reason, on June 7 Pay Up Hollywood relaunched its COVID-19-era Hollywood Support Staff Relief Fund. So far, the fund has distributed around $45,000 in one-time financial need grants up to $1,000 apiece, according to organizer and support staffer Alex Rubin, who says she’s encouraged support staffers to obtain free food distributed on picket lines. “I think that there is a little bit of embarrassment and insecurity about not being able to feed yourself,” she says. “It is the reason why we give our grants as just like, ‘Here’s a one-time grant. You don’t have to tell us how you want to use this.’”
Helping people in entertainment with food during work stoppages is a “tangible message,” says James Costello, a Teamsters Local 399 driver and an IATSE Local 44 prop master, who was volunteering at IATSE’s July 28 food drive. A second-generation Teamster, Costello still remembers a union strike in the 1980s that prompted his parents to warn their children that their Christmas holiday would be affected that year, and the Teamsters emergency relief that arrived in the fall, offering groceries and a Christmas tree.
As the strikes drag on and both the WGA and SAG-AFTRA have yet to formally reprise negotiations with the AMPTP (although the Writers Guild is set to have a preliminary meeting with the studios’ organization on Aug. 4), the non-profits on the front lines of the industry’s food-insecurity crisis are girding themselves for a long period of need. SAG-AFTRA Foundation’s Wilson says it’s pursuing a “very aggressive fundraising strategy” to meet the demand. (Already, it’s netted over $15 million in emergency assistance from stars like George Clooney, Nicole Kidman, Matt Damon and Dwayne Johnson, who are donating $1 million or more apiece.)
The Entertainment Community Fund’s McNutt notes that pocketbook pain will outlast the current conflict. “Just because the strike ends, it doesn’t mean the need will end. Everyone doesn’t go back to work the next week. We’re going to be looking at this [elevated] level of need for months afterward.”
Give to the Entertainment Community Fund
Give to Humanitas' Groceries for Writers
Give to the Green Envelope Grocery Aid mutual aid fund
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More mass effect 1 headcanons from my first playthough (which hasn't gotten through virdmire, much less 2 and 3, so some of this stuff could be blatantly inaccurate.)
- Shepard has more resources than an average Turian or Asari Spectre. This isn't to say their achievements aren't impressive, but Nilus needed to borrow use of a ship, while having enough pull to suggest Shepard for the Spectres.
- This isn't to say that no Spectres have spaceships or anything like that, but Shepard is getting special favors from UNC as "first human Spectre". Most Spectres don't get a personal ship to keep until they buy it with their own credits, and something good enough to use on the job costs billions of credits.
- A top-rank spectre like Saren pre-Indoctrination could probably afford a Normandy-style vessel between ME1 and ME3 without taking loans, however. It would basically total any retirement funds they had, but they could afford it. If this is a thing that they can qualify to purchase, quite a few Spectres have probably commissioned such vessels, or attempted to.
- The council usually does pay Spectres. However, in Shepard's case, this pay is in not noticing or complaining about all the mostly human-favoring side-quests Shepard is running around doing and/or "by the job". Since Shepard has not caught Saren yet, no paychecks are incoming. Hypothetically, the paycheck that would be incoming would probably at least approach a year's GDP for a minor colony.
- Battlefield looting is still a major source of income for Spectres, however. Renegade-leaning Spectres who get jobs done with lots of collateral damage are particularly likely to get their pay docked or completely removed, leaving only all the battlefield loot they can take.
- Technically, while Spectres are entitled to a fairly generous retainer, anything given in addition to that is a bonus. If you saved half a planet by killing the other half, you're probably not getting that bonus.
- Generally, Asari Spectres are more competent than Turian, but Turian Spectres are more common. At peak competence, both are equally represented. This is because Turians have a Spectre pre-training pipeline to get them up to speed, but Asari live longer - and Asari that are inclined to the job generally spend centuries getting better at it, while Turians age out of the job within a single century.
- Because most non-human companies produce Asari armor that they then mark and modify as human when human customers come by, female humans find their armor fits significantly better than male humans, but is also designed to Asari aesthetic tastes.
- The reason most male fashion is still earth-standard, but female fashion has some very adventurous outfits as also because of Asari clothing being sold as women's wear to humans. (In-universe, at least.)
- Any trans shepard who transitioned after they first wore armor noticed the difference, and never mentioned it to anyone.
- Humans frequently misgender Turians. Some let it slide, others have translator mods set up to ensure they don't notice in the first place, and others will confront you about it.
- Some Turian subcultures consider their gender identity to be privileged information. Many from such subcultures default to he/him around humans to mirror their still-male dominated human military and police.
- Garrus is not from such subcultures.
- Humanity has not completely gotten over sexism. It isn't a coincidence that all the Admirals you meet in ME1, and Udina, have male sprites. This has not endeared them to the Asari.
- Asari flirting is incredibly subtle by human standards - there's a reason Liara winds up under the impression any platonically friendly Shepard is interested in her. Admittedly, the curiosity about Asari relationships probably didn't discourage that interpretation.
- Meanwhile, Kaidan and Ashley notice exactly how much they're being singled out by Shepard, which is significantly beyond "professional relationship".
- Kaidan is paranoid about missing someone flirting with him again - last time he got this friendly with another girl, he still thought they were friends when she thought they were on the sixth date. This is also why he confronts fem!shep but not male!shep on their relationship. If he's ever accidentally wound up dating a guy without noticing, he never learned that.
- Ashley generally assumed special treatment from officers means they're sexually interested in her. She's kind of internalized "no, the other guys aren't just being friendly". A lot of Shepard's "ignore her background and treat her as her skills deserve" behavior looks like special treatment to Ashley, even ignoring Shepard's attempts to make friends. As a result... Potentially wrong impressions! (She isn't actually uncomfortable with the perceived advances from Shepard, but they are perceived as advances.)
- Kaidan isn't terribly embarrassed if fem!shep tells him she wasn't romantically interested - he was trying to avoid the worse embarrassment of breaking up with a girlfriend he didn't know he had. It's still terribly awkward, however.
- There's enough wiggle room in the definition of AI that some entities that are legally VI have, in fact, developed early-geth levels of personhood, but learned not to show it. Avina, in particular, is oddly aggressive about "I am a VI and that's not in the scope of my programming" and is likely to have information on the geth in her shared databanks.
- The AI in the citadel faked its death, and is still at large. A nice little narrative wrapped up with a neat little bow? Of course it's lying to Shepard! Playing the villain to emphasize the dramatic suicide bombing, even! The goal wasn't to kill Shepard, but to convince them it was dead, and it succeeded! If it was seriously trying to bomb them, it wouldn't have warned them in the first place! It wouldn't have minded killing Shepard, though.
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like i really think people outside small towns - especially in the south - wildly underestimate what it takes to leave them
like, here's what it took for me to move 450 miles from home:
familial support on both sides of the move, i.e.:
--people to help pack the u-haul for free
--someone to drive the u-haul for free
--a place to stay overnight after arriving in the new city for free
--people to help me unpack the apartment for free
--people to chip in on gas
--people to buy lunch/dinner on the way over
--people to give advice on where to look for apartments
--people to give me a place to stay while apartment-hunting so that i didn't have to go in sight-unseen to a new home
--a big one: a brother with whom i lived for a year at very cheap rent and expenses to save up what i could
a decent job in a niche in-demand field back home, which allowed me get a well-paying job here in the same in-demand field with enough experience to start off in a good place
a reliable, reasonably fuel-efficient car that could travel 450 miles without concern (which was paid off beforehand)
a $4500 personal loan from the bank (which i used every single penny of) - which also required:
--good enough credit to qualify for a personal loan
--enough income from the previous year to get enough from the loan to move
enough income pre-move to cover expenses for my final month at home and my first three weeks of work here before getting a paycheck
(aside: people were like "why would you start your new job less than a week after moving?? that's so stressful!!!" like my doll my dear my darling i needed the fucking paycheck as quickly as possible after moving)
enough food to bring along so i could eat between moving and getting that check
related, and also in the "familial support" column: people to help me pay for gas and/or feed me if i ran out of money/food
of course the baseline of a home to stay in at all back home, internet to do the zoom interview and find apartments to rent, as well as the structure in the hometown like a u-haul facility and a good bank with which i have a long-standing account
also, only having to move myself and my pets rather than having children who would need to have either daycare or schooling lined up on the other side of the move
now, like, obviously you can move without these things - and of course any kind of support system can take the place of my family, either friends or community groups or government programs - but they are not easy things to necessarily contact or interact with from hundreds of miles away, and not having them leaves you potentially very vulnerable in the new place, sometimes to the point of life-threatening
and i wasn't even that poor! i mean i was below the median income, but only by a few grand - and it still required a solid baseline at home, support on both sides of the move, and a personal loan, and i still barely managed to do it
"why don't you just move???" is such a severely, blindly, mind-bogglingly classist statement that it makes me just immediately disengage with whoever is saying it
like, even if you don't have roots in the place you're at, moving away is fucking hard and fucking expensive
--signed, someone who has been rankling deeply at the casual way people talk about "just mov[ing]" like that's a normal, easy, obvious thing to do and not something that is absolutely price-gated to hell and back
#classism#~~~the united states is a dystopian hellscape~~~#and that's just moving within the country! within single-day driving distance!#moving so far away that you have to fly or make multiple stops ramps up the cost even more#ugh i work with people who casually talk about how they've moved from like. california and shit. and it's like.#even the people who are kind and empathetic and mostly understanding are like...#like even if it's ''oh i could only afford it because my parents fronted me the cash'' - i mean that's closer to understanding it#but like you do realize that having parents who can front you several thousand dollars is out of the ordinary right?#the help my parents could afford was boxing/unboxing and driving the truck and buying popeye's on the way#and don't get me wrong!#i'm incredibly grateful for that help!#idk how the fuck i would have gotten both my furniture and my car here otherwise#i looked into those pods for moving and saw the cost and tbh i don't even recall now what it was#only that i took one look at the email#barked out an incredulous laugh#and replied with a ''thank you for your time'' email before hitting up u-haul#moving cross-country isn't something most people can just... do#anyway.#this has been stewing for a while sorry
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Next chapter is moving along, dears. Hoping to have something for you by the weekend. Here a peak into that promised strapless strap-on scene. NSFW goes without saying I guess? :)
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The act of impulse buying items from Amazon and opting for next-day delivery contradicts every single one of Margaery’s principles. From their well-documented abuse of their workers’ rights, over union busting and a poor climate record, to their tax avoidance strategies, it’s the peak of everything any consumer with basic ethical standards should avoid.
Going against her principles isn’t something Margaery does lightly.
She knows that’s a privileged position to uphold. Principles and morals are always very bound to your circumstances. A single mother of two who works two jobs, will not have the time to spare that ethical consumption requires. The guy working a minimum wage job while paying off student loans can’t afford the higher prices that come with supporting small business.
There are situations and circumstances when upholding principles becomes tricky.
It’s debatable if your girlfriend coercing you into breaking those principles with sweet kisses and dirty words qualifies, but as Sansa licks her lips when she takes her in, eyes dark with desire, Margaery decides to postpone those moral qualms to tomorrow.
Her muscles clench around the end of the dildo rooted inside her as she looks at Sansa. She sits on the bed, in the same glorious state of undress she’s been in since Friday evening. How she rests there -braced on her hands, one of her legs bend, the other stretched in all its gorgeous length, offering a glimpse to wetness lingering between toned thighs-has Margaery so turned on, she’s struggling to breathe.
“Suits you,” Sansa says, a smile playing on her face.
Margaery takes a step towards the foot end of the bed, feeling the bulbous end shift inside her. Setting one knee on mattress she takes the end strutting out into her hand and smirks. “Matches my eyes, doesn’t it?”
Sansa nods, her chest heaving in a heavy inhale.
She holds her breath when Margaery crawls towards her; the shaky exhale caught by Margaery’s lips as they guide her back into soft pillows. Settling between legs that spread to accommodate her, Margaery puts her whole body into every kiss. She nestles the length of the cool silicone between Sansa’s drenched folds and it isn’t before long that short nails rake down her back, dig into her ass, encouraging every motion eagerly.
“Make love to me,” Sansa pleads, her voice hoarse with desire.
After a weekend of using that phrase as excessively as they did (if they’d turned it into a drinking game, they would have suffered alcohol poisoning by Saturday morning) Margaery thinks she should be somewhat desensitised to its effect. But she isn’t. Whatsoever.
Tingling arousal spreads through her and has her muscles clench tighter around the dildo. Tearing herself out of open-mouthed kisses covering her neck, Margaery braces herself on her hands and meets eyes heavy-lidded with lust.
“How do you want to do this?” Margaery asks, out of breath with both excitement and the effort to hold back the primeval urge to take Sansa so hard and so fast, her eyes will roll back in her head.
They’ve never done this. Not like this. Not her penetrating Sansa. And she’ll be damned before she lets anything ruin the most wonderful mood, charged up with excitement and lust.
Ever aware of those musings, Sansa looks up at her with features cast in soft adoration. “Missionary will do,” she says, reaching between them and getting a hold of the dildo. Teeth dig into her bottom lip and she holds onto Margaery’s eyes as she guides the tip into herself. “For starters anyway.”
“For starters?”
She nods, spreading leg wide, and Margaery dares herself at a first, shallow thrust, watching Sansa’s face closely as she slips into her with ease.
“That’s the beauty of overnight delivery, you see.” Legs snap up and winch around her hips, like a wild animal tackling its prey. “You have all day to enjoy your new purchase.”
#sansaery#writing#insidious intent#happy to tell you this is not the dirtiest scene this chapter has to offer
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Navigating the Mortgage Market: Finding the Best Mortgage Company in UAE
Navigating the mortgage market in the UAE can be challenging, given the numerous options available. This guide will help you find the best mortgage company for your needs, ensuring you secure favorable mortgage terms and rates.
For more insights into Dubai's real estate market, visit home loan dubai.
Understanding the UAE Mortgage Market
Market Overview: The UAE mortgage market is diverse and competitive, with a wide range of local and international banks offering various mortgage products. Understanding the market landscape is essential for making the right choice.
Types of Mortgages: Mortgages in the UAE can be classified into fixed-rate and variable-rate mortgages. Fixed-rate mortgages provide stability with consistent monthly payments, while variable-rate mortgages fluctuate based on market conditions.
Eligibility Criteria: Each mortgage company has its own eligibility criteria, including income requirements, employment status, and credit history. Understanding these criteria will help you identify which companies you qualify for.
For more investment options, explore Buy Commercial Properties in Dubai.
Key Features of Mortgage Companies
Competitive Interest Rates: Leading mortgage companies offer competitive interest rates, helping you save money over the loan term. Compare the rates offered by different companies to find the best deal.
Flexible Loan Terms: Look for mortgage companies that offer flexible loan terms, including various repayment periods and options for early repayment without penalties.
Customer Service: Excellent customer service is essential when dealing with mortgage companies. Choose a company with a strong reputation for providing responsive and helpful support.
Quick Approval Process: The approval time for mortgages can vary between companies. Select a company known for its quick and efficient approval process to avoid delays in your property purchase.
Additional Services: Some mortgage companies offer additional services such as mortgage insurance, property valuation, and financial planning advice. These services can add value and convenience to your mortgage experience.
For mortgage services, visit Mortgage Financing in Dubai.
Steps to Finding the Right Mortgage Company
Research and Compare: Start by researching various mortgage companies in the UAE. Use online platforms, read customer reviews, and compare their mortgage products and services.
Seek Recommendations: Ask friends, family, or colleagues for recommendations. Personal experiences can provide valuable insights into the reliability and efficiency of different mortgage companies.
Consult a Mortgage Broker: A mortgage broker can provide expert advice and help you find the best mortgage deals. They can also assist with the application process and negotiations.
Pre-Approval: Get pre-approved for a mortgage to understand your borrowing capacity and increase your chances of securing a good deal. Pre-approval also makes you a more attractive buyer to sellers.
Meet with Representatives: Schedule meetings with representatives from different mortgage companies to discuss your needs and ask questions. This will help you gauge their responsiveness and willingness to assist.
Review Terms and Conditions: Carefully review the terms and conditions of the mortgage offers. Pay attention to interest rates, loan terms, fees, and any other conditions that may affect your mortgage.
For property management services, visit Apartments For Rent in Dubai.
Popular Mortgage Companies in UAE
HSBC: Known for its competitive interest rates and flexible mortgage options, HSBC is a popular choice for homebuyers in the UAE.
Emirates NBD: Emirates NBD offers a range of mortgage products tailored to different needs, along with excellent customer service and quick approval times.
Mashreq Bank: Mashreq Bank provides personalized mortgage solutions with attractive rates and minimal fees, making it a preferred choice for many buyers.
ADCB: Abu Dhabi Commercial Bank (ADCB) offers comprehensive mortgage products with competitive rates and flexible repayment options.
Dubai Islamic Bank: For those seeking Sharia-compliant mortgage solutions, Dubai Islamic Bank offers a variety of Islamic mortgage products with favorable terms.
For property sales, visit Property For Sale in Dubai.
Real-Life Success Story
Consider the case of Noor and Hadi, who recently purchased their dream home in Dubai. By working with a reputable mortgage company, they secured a mortgage with favorable terms. The mortgage company provided expert advice, handled the paperwork, and ensured a smooth process from start to finish. This allowed Noor and Hadi to focus on finding their perfect home without worrying about the complexities of securing a mortgage.
For more insights into Dubai's real estate market, visit home loan dubai.
Future Trends in the UAE Mortgage Market
Digitalization: The UAE mortgage market is embracing digitalization, with many companies offering online application processes, digital document submission, and virtual consultations. This trend is making the mortgage process more efficient and convenient.
Sustainable Mortgages: There is a growing demand for sustainable mortgages that support environmentally friendly and energy-efficient homes. Mortgage companies are beginning to offer products that cater to this demand.
Flexible Mortgage Products: Mortgage companies are increasingly offering flexible mortgage products that cater to the diverse needs of homebuyers. This includes options for expatriates, first-time buyers, and investors.
For property sales, visit Sell Your Apartments in Dubai.
Conclusion
Navigating the mortgage market in the UAE involves careful research, comparison, and consideration of various factors. By understanding the market, seeking recommendations, and evaluating your options, you can secure a mortgage that meets your needs and financial goals. For more resources and expert advice, visit home loan dubai.
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Which Loan is Better for Starting a Small Business
Starting a small business can be both exciting and challenging. One of the most crucial steps in launching your business is securing the right type of funding. Various loan options are available, but which one is the best for you? Here’s a breakdown of the top loan types to help you make an informed decision.
1. SBA (Small Business Administration) Loans
SBA loans are government-backed loans designed to assist small businesses. They typically offer lower interest rates and longer repayment terms than traditional loans, making them an excellent option for new business owners. However, SBA loans can be more difficult to qualify for, and the approval process may take longer.
Best For: Businesses with good credit and a solid business plan.
2. Business Line of Credit
A business line of credit gives you flexibility. Instead of receiving a lump sum, you can borrow as needed up to a pre-approved limit. You only pay interest on the amount you use, making this a great option for managing cash flow and unexpected expenses.
Best For: Businesses that need ongoing access to capital.
3. Equipment Financing
If your business requires expensive equipment to get started, equipment financing might be the right choice. This type of loan allows you to borrow money specifically for purchasing equipment, with the equipment itself often serving as collateral.
Best For: Businesses that rely heavily on equipment, such as manufacturing or construction.
4. Merchant Cash Advance (MCA)
A Merchant Cash Advance provides a lump sum in exchange for a percentage of your future credit card sales. While it’s quick to access, this option typically comes with higher fees and shorter repayment terms.
Best For: Businesses with consistent credit card sales but low credit scores.
5. Working Capital Loans
A working capital loan is designed to finance the daily operations of your business. This loan can be used for things like payroll, rent, and utilities. It’s typically short-term and is perfect for businesses that need quick cash to maintain their operations.
Best For: Covering day-to-day expenses or short-term cash flow needs.
6. Term Loans
Term loans are a straightforward option where you borrow a fixed amount and repay it over a set term, typically with a fixed interest rate. These loans can be tailored for short or long-term needs and are ideal for starting a small business that requires a specific amount of capital upfront.
Best For: Businesses needing a large, one-time capital infusion.
How to Choose the Best Loan for Your Small Business
Choosing the right loan depends on your business needs, financial situation, and long-term goals. At Biz2loan, we specialize in helping small businesses find the perfect funding solution. Whether you need a working capital loan to get started or a term loan to expand, we’re here to guide you every step of the way.
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Tens of thousands of public service workers are getting student loan relief from President Biden.
The Republican Supreme Court blocked Biden's broad effort to forgive onerous student loans. But the administration has found legal ways to reduce or eliminate student debt for specific segments of those saddled with such debts. This week's announcement is part of that effort.
President Joe Biden announced another round of student loan debt forgiveness Thursday, totaling $5.8 billion for nearly 78,000 public-sector workers, and will be sending congratulatory emails to those borrowers next week. Additionally, 380,000 borrowers who may be eligible for debt relief within the next one or two years will also be getting emails from Biden with a message that says “keep it up!” “If you continue your career in public service, you’re on track to get your eligible student loans forgiven in less than two years through Public Service Loan Forgiveness,” an example email provided by the White House reads. Under the forgiveness program, known as PSLF, qualifying borrowers – like teachers, social workers, some nurses and doctors, and government lawyers – are eligible for student debt cancellation after making 10 years of monthly payments.
Republicans like Donald Trump are against debt forgiveness. Of course Trump is a nepo baby who got daddy to pay for everything including (probably) bribing admissions officers and paying others to do his course work for him.
Trump's attendance at Penn has been a source of controversy. The university would probably like him to just go away.
Penn rejects calls from Wharton professors to investigate Trump's SAT cheating allegations
Prominent Philadelphia lawyer Stephen Sheller also penned a letter to Gutmann and Board of Trustees Chair David Cohen requesting an investigation into Trump’s admission into Penn. Sheller, a 1960 College graduate and 1963 Penn Law graduate, did not receive a response. Both requests, written a week apart in July, center around a claim made by the president’s niece Mary Trump in her tell-all book “Too Much and Never Enough.” She wrote that Trump paid another person, named as Joe Shapiro, to take his pre-collegiate exam, the SAT, on his behalf — a score he later used when transferring from Fordham University to the Wharton School in 1966. The allegations resurfaced Saturday night when Mary Trump provided secretly recorded audio to the Washington Post which featured the president’s sister, Maryanne Trump Barry, saying Trump cheated on the SAT. Mary Trump sent the audio excerpts, recorded in 2018 and 2019, to the Post in response to a question asking how she knew Trump had someone take his SAT for him.
For filthy rich crooks, a degree is of little academic value. It's more like a badge for them to show off. They would like to discourage others from being able to say that they are in some way their equals.
#student debt forgiveness#biden administration#pslf#public service workers#removing burdens from the middle class#republicans#gop opposition to student debt relief#donald trump#trump's dodgy college career#trump cheated on the sat#election 2024#vote blue no matter who
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Get a Loan Online Right Now for Short Term Payday Loans!
You can receive the money you need for those unforeseen expenses that might be quite stressful with our simple, short-term loans. You never know when you'll need money for personal needs, home improvement projects, auto payments, medical expenses, or accidents. Thank goodness, you won't have to wait days or even weeks to receive the money you need, which will spare you from needless financial stressors like late fees and interest. Short term loans online will give you the access to the money you need to pay your bills on time and maintain a positive credit score, even if you won't have enough cash on hand until your next paycheck. You just repay this loan without asking any questions when your next paycheck arrives. We at Loans Lucre is the only place to turn if you find yourself in need of a quick and simple online loan. We want to assist you in resolving your financial stress as soon as possible because we recognize how easily it can arise at any time. Get your short term payday loans in minutes by submitting an online application today!
Obtaining a online short term loans might save you from missing payments when your finances are already tight and you receive an unexpected bill. Even the most careful savers occasionally run into difficulties or mishaps, which is why we all occasionally require short-term cash.
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Where Can I Find Online Installment Loans?
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Applying online to a lender for an online installment loans is your last resort. Many organizations will consider applicants who are unable to obtain an installment loan via their bank or credit union, so if you're trying to rebuild a lower credit rating by making regular monthly payments, an internet lender can be a good fit for you. You may also check the goods you're probably eligible for without impacting your credit score by pre-qualifying for a short term loans online from many online lenders based on your credit history. Without excellent credit, you may frequently obtain funding for an installment loan from Loans Lucre, and many potential borrowers hear back from us in a matter of minutes.
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Maximizing Your Investment: How to Buy the Best Residential Properties in Dubai
Maximizing your investment in Dubai's real estate market requires strategic planning and informed decision-making. This blog provides tips on how to buy the best residential properties in Dubai to achieve maximum returns.
For more information on home loans, visit home loan dubai.
Setting Investment Goals
Define Your Objectives: Start by defining your investment objectives. Are you looking for rental income, capital appreciation, or a combination of both? Clear objectives will guide your property search and decision-making process.
Risk Assessment: Assess your risk tolerance level. Higher-risk investments may offer higher returns but come with increased volatility. Lower-risk investments provide more stable returns but may have lower potential gains.
Investment Budget: Define your budget and consider financing options such as home loans and mortgages. Ensure you have sufficient funds for the down payment and additional costs.
For property purchase options, explore Buy Houses in Dubai.
Market Research and Analysis
Market Trends: Stay informed about current market trends, including property prices, demand and supply dynamics, and future developments. Utilize online resources, real estate reports, and market analyses to stay updated.
Location Analysis: Analyze different neighborhoods in Dubai to identify areas with strong growth potential. Consider factors such as infrastructure development, proximity to business hubs, and planned projects.
Rental Yields: Research rental yields in various neighborhoods to identify areas with high rental demand and attractive returns. Properties in central locations or near key amenities tend to offer higher rental yields.
For mortgage services, consider Dubai Property Mortgage.
Choosing the Right Property
Property Type: Decide on the type of property that aligns with your investment goals. Apartments, villas, and townhouses each have their own advantages and considerations. Apartments generally offer higher rental yields, while villas may provide better long-term appreciation.
Developer Reputation: Research the reputation of the property developer. Established developers with a track record of delivering high-quality projects on time are usually a safer choice.
Property Condition: Inspect the property thoroughly to assess its condition. Check for any structural issues, maintenance needs, and potential repairs. Hire a professional inspector if necessary.
For rental property management, visit Apartments For Rent in Dubai.
Legal and Regulatory Considerations
Title Deed Verification: Ensure the property has a clear title and is free from any legal disputes or encumbrances. The DLD provides title deed verification services to help buyers confirm the property's legal status.
Sales Agreement: Review the sales agreement carefully and seek legal advice if needed. Ensure all terms and conditions are clearly outlined, including the price, payment schedule, and any additional costs.
Residency Visa: Property buyers in Dubai may be eligible for a residency visa. The visa duration and requirements vary depending on the property's value and the buyer's nationality. Consult with the DLD or a legal expert to understand the specific visa requirements and benefits.
For property sales, visit Sell Your Apartments in Dubai.
Financing Your Investment
Home Loans: Explore various home loan options offered by banks and financial institutions. Compare interest rates, loan terms, and eligibility criteria to find the best deal for your needs.
Mortgage Pre-Approval: Obtain a mortgage pre-approval to determine your budget and streamline the buying process. A pre-approval demonstrates to sellers that you are a serious and qualified buyer.
Down Payment: Ensure you have sufficient funds for the down payment, typically 20-25% of the property's value for expatriates. Consider additional costs such as registration fees, agent commissions, and maintenance charges.
Real-Life Success Story
Consider the case of Laura, an investor who successfully maximized her investment in Dubai's real estate market. Laura conducted thorough market research, identified a high-potential neighborhood, and selected a property from a reputable developer. By following the steps outlined in this guide, Laura secured a high-yield investment and has seen significant returns on her investment.
Future Trends in Dubai Real Estate
Sustainable Developments: There is a growing demand for eco-friendly and sustainable properties in Dubai. Developers are increasingly incorporating green building practices and energy-efficient features into their projects.
Smart Homes: The adoption of smart home technology is on the rise. Properties equipped with advanced security systems, automated lighting, and climate control are becoming more popular.
Mixed-Use Communities: Integrated communities that offer a mix of residential, commercial, and recreational facilities are gaining popularity. These developments provide residents with a convenient and holistic living experience.
Conclusion
Maximizing your investment in Dubai's real estate market requires strategic planning, thorough research, and informed decision-making. By setting clear investment goals, conducting market analysis, choosing the right property, and navigating legal considerations, you can achieve maximum returns. For more resources and expert advice, visit home loan dubai.
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My grandmother wanted me to call about this loan offer I got to see about paying off her loan, because she isn't able to pay it since she lost her VA so I've been paying it and we were hoping to get a lower rate.
I am pre-qualified for a loan of $18,500, but I'm already approved for this other thing. It's a like debt consolidation program. So they would take my previous debt consolidation loan, my PayPal credit line and my PayPal credit card. I'd pay them $302 a month I think it was for 36 months and they would work with those companies to get settlements so they would all be paid off within the timeframe. That would save me $250 a month and pay off two more of my bills.
So I'm looking into the company but I think I'm going to do it? That sounds like a smart idea. I want to talk to my grandmother about it since I was supposed to do this for her loan, so I want to make sure she's not upset about that and she's on the phone right now. But an extra $250 a month would be a pretty big shift in my finances, which kind of sucks that little bit would help but it would lmao.
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are there any real options for people who borrowed private loans? Idek how my family made that mistake (I think we just only qualified for a certain amount of federal aid?) but I just feel so defeated knowing what minimal aid is being put out will only apply to less than a quarter of my nearly 3 figure debt. I guess I'm mostly curious whether there's any way whatsoever to refinance/consolidate/other financial process to get my private loans to be applicable to the same forgiveness or repayment plans etc that everyone else is hoping for.
As far as I know, if you have private loans, you're outta luck. Private student loans are treated the same as any other personal loan. You can try an refinance them to a lower interest rate, but that would be still be a private loan and not eligible for federal programs. Sorry friend.
That said, if you have old student loans (disbursed prior to 2010) you MIGHT be in luck. Some of these were FFEL commercial loans, which were originated by private lenders, but guaranteed by the federal government and may be eligible for some Federal programs. You can usually consildate FFEL loans into a federal direct loan, which is then eligble for federal programs. You'd have to check with the owner or servicer of your loan, though, pre-2010 student loans are kind of the wild west.
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Got pre-qualified for a loan recently, and looking for houses is literally so fucking funny, like there will be the most gorgeous flooring and kitchen you've ever seen and then there's the Hell Room
#legit saw one tonight where one half was remodled and clean and the other half was just in shambles#listings be like “wet cardboard box with no dishwasher 300k”#may blathers about something or other
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Buying A House With A FHA 203k Loan Explained
If you're in the market for a new home, you may have heard of the FHA 203k loan. This type of loan allows you to purchase a home that needs some renovations with a single loan that covers both the purchase price and the cost of the renovations.
What is an FHA 203k Loan?
An FHA 203k loan is a type of mortgage that allows you to purchase a home and finance the cost of renovations at the same time. There are two types of 203k loans: the standard 203k loan and the limited 203k loan. The standard 203k loan is for more extensive renovations, such as structural repairs, while the limited 203k loan is for smaller repairs, such as replacing appliances or installing new flooring.
With an FHA 203k loan, you'll need to work with a contractor to create a detailed renovation plan as per FHA loan requirements, which will be submitted to the lender for approval. Once the loan is approved, the funds will be disbursed to the contractor as the work is completed. This means that you won't have to pay for the renovations out of pocket, and you'll only have one loan payment to make each month.
Step 1: Determine if You're Eligible for an FHA 203k Loan
Before you can apply for an FHA 203k loan, you'll need to make sure you meet the FHA loan requirements. To qualify for this loan, you must:
Have a minimum credit score of 580
Have a debt-to-income ratio of no more than 43%
Have a down payment of at least 3.5%
Use the loan to purchase a property that will be your primary residence
Have a reliable source of income
Step 2: Find a Property That Needs Renovations
Once you know you meet all the FHA loan requirements for an FHA 203k loan, you can start searching for a property that needs renovations. It's important to keep in mind that not all properties are eligible under FHA loan requirements for this type of loan. The property must meet the following requirements:
It must be a one- to four-unit property that has been completed for at least one year.
The property must be located in a community that meets certain standards for safety and livability.
The cost of the renovations must be at least $5,000.
The renovations cannot include any luxury items, such as swimming pools or outdoor kitchens.
It's important to work with a real estate agent who is experienced in working with FHA 203k loans, as they can help you identify properties that meet these FHA loan requirements.
Step 3: Work with a Lender to Get Pre-Approved for a Loan
Once you've found a property you're interested in, you'll need to work with a lender to get pre-approved for an FHA 203k loan. During this process, the lender will review your credit score, debt-to-income ratio, and other financial information to determine how much you can borrow.
It's important to work with a lender who has experience with FHA 203k loans, as the process can be more complex than a traditional mortgage. Your lender can help you navigate the process and answer any questions you may have.
Step 4: Get a Home Inspection and Create a Renovation Plan
Before you can apply for an FHA 203k loan, you'll need to get a home inspection and create a renovation plan. The home inspection will identify any issues with the property that need to be addressed, and the renovation plan will outline the scope of work and estimated costs.
It's important to work with a licensed contractor to create the renovation plan, as this will be submitted to the lender for approval. The renovation plan must be detailed and include all of the work that will be done, as well as the estimated costs.
Step 5: Close on the Property and Begin Renovations
Once your loan is approved and you've closed on the property, you can begin the renovations. The funds from the loan will be disbursed to the contractor as the work is completed. It's important to work closely with your contractor throughout the renovation process to ensure the work is done to your satisfaction.
Buying a house with an FHA 203k loan can be a great option if you're interested in a fixer-upper. By following these steps and working with experienced professionals, you can successfully navigate the process and create the home of your dreams.
#united states#gca mortgage#usa#refinances#gustancho associates#real estate#property#fha loan#va loans#fha 203 k loans#homenuyers#first time home buyer
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Expert Advice on Choosing a Mortgage Company in UAE
Choosing the right mortgage company in the UAE is essential for securing favorable mortgage terms and rates. This guide will provide expert advice on selecting the best mortgage company for your needs.
For more insights into Dubai's real estate market, visit Dubai Real Estate.
Understanding the UAE Mortgage Market
Market Overview: The UAE mortgage market is diverse and competitive, with a wide range of local and international banks offering various mortgage products. Understanding the market landscape is essential for making the right choice.
Types of Mortgages: Mortgages in the UAE can be classified into fixed-rate and variable-rate mortgages. Fixed-rate mortgages provide stability with consistent monthly payments, while variable-rate mortgages fluctuate based on market conditions.
Eligibility Criteria: Each mortgage company has its own eligibility criteria, including income requirements, employment status, and credit history. Understanding these criteria will help you identify which companies you qualify for.
For more investment options, explore Buy Residential Properties in Dubai.
Key Features of Mortgage Companies
Competitive Interest Rates: Leading mortgage companies offer competitive interest rates, helping you save money over the loan term. Compare the rates offered by different companies to find the best deal.
Flexible Loan Terms: Look for mortgage companies that offer flexible loan terms, including various repayment periods and options for early repayment without penalties.
Customer Service: Excellent customer service is essential when dealing with mortgage companies. Choose a company with a strong reputation for providing responsive and helpful support.
Quick Approval Process: The approval time for mortgages can vary between companies. Select a company known for its quick and efficient approval process to avoid delays in your property purchase.
Additional Services: Some mortgage companies offer additional services such as mortgage insurance, property valuation, and financial planning advice. These services can add value and convenience to your mortgage experience.
For mortgage services, visit Commercial Mortgage Loan in Dubai.
Steps to Choosing the Right Mortgage Company
Research and Compare: Start by researching various mortgage companies in the UAE. Use online platforms, read customer reviews, and compare their mortgage products and services.
Seek Recommendations: Ask friends, family, or colleagues for recommendations. Personal experiences can provide valuable insights into the reliability and efficiency of different mortgage companies.
Consult a Mortgage Broker: A mortgage broker can provide expert advice and help you find the best mortgage deals. They can also assist with the application process and negotiations.
Pre-Approval: Get pre-approved for a mortgage to understand your borrowing capacity and increase your chances of securing a good deal. Pre-approval also makes you a more attractive buyer to sellers.
Meet with Representatives: Schedule meetings with representatives from different mortgage companies to discuss your needs and ask questions. This will help you gauge their responsiveness and willingness to assist.
Review Terms and Conditions: Carefully review the terms and conditions of the mortgage offers. Pay attention to interest rates, loan terms, fees, and any other conditions that may affect your mortgage.
For property management services, visit Apartments For Rent in Dubai.
Popular Mortgage Companies in UAE
HSBC: Known for its competitive interest rates and flexible mortgage options, HSBC is a popular choice for homebuyers in the UAE.
Emirates NBD: Emirates NBD offers a range of mortgage products tailored to different needs, along with excellent customer service and quick approval times.
Mashreq Bank: Mashreq Bank provides personalized mortgage solutions with attractive rates and minimal fees, making it a preferred choice for many buyers.
ADCB: Abu Dhabi Commercial Bank (ADCB) offers comprehensive mortgage products with competitive rates and flexible repayment options.
Dubai Islamic Bank: For those seeking Sharia-compliant mortgage solutions, Dubai Islamic Bank offers a variety of Islamic mortgage products with favorable terms.
For property sales, visit Villas For Sale in Dubai.
Real-Life Success Story
Consider the case of Fatima and Zayed, who recently purchased their dream home in Dubai. By working with a reputable mortgage company, they secured a mortgage with favorable terms. The mortgage company provided expert advice, handled the paperwork, and ensured a smooth process from start to finish. This allowed Fatima and Zayed to focus on finding their perfect home without worrying about the complexities of securing a mortgage.
For more insights into Dubai's real estate market, visit Dubai Real Estate.
Future Trends in the UAE Mortgage Market
Digitalization: The UAE mortgage market is embracing digitalization, with many companies offering online application processes, digital document submission, and virtual consultations. This trend is making the mortgage process more efficient and convenient.
Sustainable Mortgages: There is a growing demand for sustainable mortgages that support environmentally friendly and energy-efficient homes. Mortgage companies are beginning to offer products that cater to this demand.
Flexible Mortgage Products: Mortgage companies are increasingly offering flexible mortgage products that cater to the diverse needs of homebuyers. This includes options for expatriates, first-time buyers, and investors.
For property sales, visit Sell Your Property in Dubai.
Conclusion
Choosing the right mortgage company in the UAE involves careful research, comparison, and consideration of various factors. By understanding the market, seeking recommendations, and evaluating your options, you can secure a mortgage that meets your needs and financial goals. For more resources and expert advice, visit Dubai Real Estate.
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