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mikhailwrites · 1 year ago

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Look at me like we've never met before / Ghost x Soap

Kinktober #2 - Roleplaying

John is sitting at the bar, nursing his glass of scotch. Usually, he only drinks whisky on a special occasion. Well, he supposes tonight is a somewhat special occasion. He's not a Sergeant of the SAS tonight. It was a stupid idea. Something he’d read somewhere and thought would be fun, but now he just feels... nervous. How the hell is he supposed to pretend he doesn’t know Ghost? Ghost! There is literally no one like him. He takes the glass and sips at the scotch. It calms his nerves some. Whatever, he’ll just enjoy himself, have a bit of fun, and then they’re gonna fuck, and come morning, they’ll be Sergeant John MacTavish and Lieutenant Simon Riley again.

His thoughts are interrupted when he notices movement in the corner of his eye, and suddenly, he knows he can play along. Because the man that just entered the picture is Ghost, but at the same time... it’s not.

The man looks like trouble. Broad shoulders, scars only barely hidden behind plain black medical face mask, large hands that could kill a man. The blonde hair does very little in terms of softening the brute. As does the deceivingly nice dark red button-up with a tasteful pattern paired with black chinos that hug the man's legs and especially his arse tight. John looks away, hoping he wasn't caught staring and feeling a little bit underdressed in plain jeans and an even plainer white tee. He’s been told it suits him, and he can believe it; John is not a complicated lad, and the get-up the blonde guy sports would look ridiculous on him. Like a costume. That, honestly, might be, in part, what intrigues him about the stranger. By all means, he can see him in worn denim and a tank top or maybe a cheap suit fit for a bouncer. Yet the clothes he wears suit him. He looks like... what exactly? Something prestigious yet predatory. There has to be risk involved. A lawyer? An entrepreneur? Stock trader? John’s intrigued because what can he say? Slender, pretty boys never quite did it for him. Dark, mysterious, huge and menacing blokes, however? Now, that is right up his alley.

Turning the glass in his hand, he downs the rest of the drink, savouring the thick smokiness and the burn of the alcohol on his tongue. Should he order another one? Does he actually want to hit on the lad?

The choice is made for him as another glass lands on the counter. As he looks quizzically at the bartender, she only shrugs, nodding towards the blonde stranger. “Compliments from the gentleman over there.” John looks the man over, trying not to flinch as dark brown eyes lock on him. There is absolutely nothing gentlemanly about him. Not even when he raises his own glass in a silent toast, he looks like a tiger stalking its prey. However, he did buy John a drink; it would be rude not to thank him, especially since John doesn’t drink cheap.

Grabbing his drink and sitting next to the stranger, John feels small, which is ridiculous, of course, because John is not a small man. "Thanks for the drink. Ye shouldnae have," John smiles, letting his accent slip deliberately. The stranger's eyebrow rises as he tries to decipher what John just said. This close, John also gets to smell him. The stranger’s wearing something interesting, no doubt very expensive. There’s musk, at first, then some exotic wood, morphing into something dark and spicy. There are layers to it, and John finds that he actually really likes it.

"It's no bother. You looked like you were debating whether or not to have another, I merely assisted." The stranger has a nice, deep voice with a distinct rasp to it. There's also a hint of accent. Manchester, maybe? John licks his lips.

"Mhm, was waiting for some company, but it seems I’ve been stood up," John says with a pretend annoyance.

“One person’s loss is another’s gain,” the stranger notes cryptically, taking a swing from his glass. John smirks. Oh, the lad is smooth, if direct. John’s definitely interested, and it seems to be mutual.

“Name’s John,” he extends his hand.

The stranger takes it. His palms are dry, warm, and surprisingly soft. “Simon.”

John lets go of Simon’s hand after holding it for what would definitely be considered too long. “Simon,” he rolls the name on his tongue. It’s a soft name, gentle, almost. No hard r’s or pointed t’s. “’S a nice name.”

“Thank you?” Simon chuckles. That, too, seems a bit out of character, but maybe he simply read Simon wrong. “You sound local, are you?”

John smiles, fiddling with the glass and turning it in his fingers. “Aye, from Inverness, actually. I’m only in Glasgow for a few days before I head back. What brings you here?”

“Business,” the answer is clipped. It’s clear that he’s unwilling to discuss it any further. John doesn’t mind; he’s not that interested, anyway. “I have to say, I’m somewhat surprised by the city. I’ve heard so many bad things about it, and I can see why.” John is already jumping the gun, more than ready to defend Scotland and all its parts (even the certifiably weird ones) from yet another smug, entitled Brit, but Simon isn’t finished yet. “It’s got character, and most people don’t like that. They want simple, uncomplicated, boring things.”

“What do you want, Simon?” John narrows his gaze, boring into the whisky-brown eyes.

“Something interesting,” he smiles, swallowing the last of his drink. Before he sets the glass down, he runs his tongue over the edge, chasing the last remnants of the taste. It’s a deliberate show for John’s eyes only.

Feeling bold, John rests his hand on Simon’s knee. The implications of the gesture are clear as day. How would it feel to have those large hands on him? To be overpowered and taken? Or, maybe even better yet, to have all this strength beneath him? To command it? Having Simon surrendering and pliant? John quiets his mind, lest the rest of the bar gets an eyeful of his stiff prick; these awfully tight jeans would do absolutely nothing to hide it.

“If you’re thinking half of what I’m thinking,” Simon says, low and incredibly enticing, “we should probably move this upstairs.”

John hasn’t paid and exited an establishment faster in his life, with Simon right behind him.

They are keeping their hands to themselves until the door closes behind them. After that, it’s a fair game.

John pulls Simon down for a filthy, open-mouthed kiss. Before he can do anything more, he’s being manhandled. Simon presses him against the wall, grabbing his arse and hoisting him up as if John weights nothing. John lets out an exasperated laugh at the sheer ridiculousness of it but plays along, wrapping his legs around Simon’s waist and his arms around his neck. His prick is pressed between their bodies, and John rolls his hips, gasping at the amount of delicious friction he gets.

“I bet I could come like this,” John breathes out, half drunk off his scotch, Simon’s smell and this entire scenario, which only just an hour ago, seemed preposterous and could never work.

“Now, wouldn’t that be a shame when we have a perfectly good bed to ruin, sweetheart?” Simon growls, running the tip of his tongue along his ear, and John shivers. The pet name is new, and as stupid as it is, it’s doing something to him.

“Let me down, then,” John asks, and Simon obliges, unaware of what he just unleashed.

John shoves him back with enough force to catch Simon off-guard, sending him stumbling back until the back of his knees bump into the bed. He goes down without a fight. Before he can do anything more, John is on him, straddling his waist and impatiently working on the small buttons of Simon’s shirt. He’s tempted to cut his losses and rip the damn thing, but Simon probably wouldn’t approve. Never one for frivolous wasting.

Finally, finally! He reveals a pale chest dominated by a long, thick scar from the heart surgery, a flat abdomen with fine, fair hair, a collection of more scars. He knows every and each one of them intimately.

John kisses Simon on the neck, then the collarbone, and proceeds to lick at his nipple, revelling in the tight gasp he gets. He does it again, grazing his teeth over the hardened nub. Simon grabs at his forearm, grip strong enough to leave bruises.

“Fuck, Johnny...,” he breathes out. Now that’s out of character. Are they back to their usual selves? Whatever.

John doesn’t waste time, getting rid of Simon’s belt, unbuttoning his pants and divesting him of them quickly.

John drinks the sight in. Simon’s shirt lies open and crumpled around him, the blood-red colour of it beautifully contrasting against the paleness of his skin. The simple black briefs strain with his hard prick. It’s a sinful picture, one John commits to memory. For this moment alone, the whole charade was absolutely worth it. However, the moment passes, and John desperately needs more.

Bending over the edge of the bed, he finds Ghost's duffel bag and, soon after, a bottle of lube and condoms. Not that they need those; it's merely a testament to how far Ghost was willing to go with the roleplay. Before he can turn around, Ghost smacks his arse as John very helpfully offered.

John yelps in surprise, looking at Simon with the most disapproving look he can muster. A sly grin that answers him tells him he wasn't very successful. Were he slightly less horny, he would think about some proper vengeance; as it is, he takes off his briefs, breathing out as slightly chiller air hits his prick.

He's a bit careless with the preparation, partly because he already did some beforehand. Simon watches him with searing intensity as John fingers himself open. He doesn't say a word, doesn't as much as twitch a muscle. He just looks with an insatiable hunger as John finally removes Simon's underwear and resumes his place sitting on Simon's hips.

"Tell me what you want, Simon?" John purrs, enjoying the momentary illusion of power.

Simon smirks, putting his hands on John's thighs, kneading the muscles gently but insistently. "Need me to spell it out for you? I wanna fuck that tight arse of yours until all that'll be left in your pretty head is my name."

John's breath catches in his throat, his blue eyes widening a fraction. They do a bit of dirty talk every now and then, but it still catches him by surprise. He does recover quickly. While his brain, for once, doesn't have anything clever to say to Simon, he opts for something even better as he takes Simon's prick and slowly sinks down on it. He moans loudly, not holding back in the slightest. He has to when they shag in the barracks, and he hates it just as much as Simon does.

"Fuuuck, I love yer cock," Johnny whines as he bottoms out, closing his eyes and enjoying the stretch and the fullness. He startles a little bit as Simon takes his prick in hand, giving it a firm, slow tug.

"I think my cock loves you too, Johnny," Simon chuckles, but it's breathless and strained.

Johnny huffs out a laugh before he goes up and down again, maybe a tad too fast. He whimpers and knits his brows together, but the discomfort subsides soon. He sets a steady rhythm then, even though he knows they won't last. Simon wanks him off like a bloody specialist, and judging by his low moans and unfocused gaze, he's not far behind.

He doesn't mind. It's dead brilliant, really. Picking up the pace, Simon helps him a bit, meeting him halfway. The room is filled with the filthiest of sounds: wet slapping of skin meeting skin, moans and breathy encouragements. Johnny gives up, whining as Simon jerks him to completion while fucking him through it. It's an absolute bliss that swallows him whole.

Simon is mindful, slowing down a little bit but never stopping as he chases his own orgasm. It's just around the corner, clawing at his insides with the insistent "yes, yes, yes, just a little more, almost there, come on, come…" until he groans, throwing his head back on the pillow, arching up and fucking into Johnny, as deep as he can get as he rides the high.

"Not bad for a one-night stand, huh?" Soap says smugly because, of course, he has to say something bloody stupid.

"I've had better," Ghost deadpans, fully aware that the remark will get him at least two days of silence.

#call of duty #ghost mw2 #ghost x soap #ghostsoap #john soap mactavish #simon ghost riley #soapghost #ao3 writer #soap mw2 #ghoap #kinktober 2023 #kinktober

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misfitwashere · 14 days ago

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Trump's first week: The Real Story

Let it be known

ROBERT REICH

JAN 26READ IN APP

Friends,

Before I post my Sunday cartoon I want to share with you some thoughts about the first week of Trump II.

The New York Times describes Trump as leading “a global wave of hard-line conservative populism.”

Rubbish.

What’s Trump is undertaking has nothing whatever to do with conservatism, which is about conserving institutions and shrinking the size of government. And it has nothing to do with populism, which is about confronting elites.

Trump is leading a move to replace democracy with oligarchy.

He’s implementing a plan to make the wealthiest people in America far wealthier and more powerful, including Trump himself, and to turn American democracy into a giant corporation run by a handful of absurdly rich men.

He thinks he can accomplish this by getting the rest of us so angry at one another — over immigration, LGBTQ+ rights, abortion, diversity, and the like — that we don’t look upward and see where most of the wealth and power have gone.

Trump’s divisive policies will cause great harm, to be sure, and we must do everything we can to protect those who are vulnerable to them. But his cruel divisiveness is deflecting attention from the main event.

The media reported on all the hot-buttons Trump pushed: The government now recognizes only two “immutable” genders, male and female. Migrants (now referred to as “aliens”) are being turned away at the border. Immigration agents are freed to target hospitals, schools, and churches in search of people to deport. Diversity efforts in the federal government have been dismantled and employees turned into snitches. Federal money will be barred from paying for many abortions.

All awful to be sure, but the bigger story is Trump’s consolidation of power — substituting loyalists for experts across the government, using retribution to intimidate others, purging the government’s independent inspectors general, giving the Defense Department more authority over civilian life (and putting a raving loyalist in charge), giving Elon Musk authority to cut spending and roll back regulations, and readying a massive tax cut for the wealthy and big corporations.

Americans aren’t seeing this big story yet because Trump’s divisiveness is masking it.

One example: Trump fired Lina Khan, the aggressive monopoly-buster chair of the Federal Trade Commission, and replaced her with corporate stooge Andrew Ferguson. As a result, giant corporations and their CEOs are now free to get even bigger — merging with one another, acquiring smaller companies, and using predatory bullying to wipe out competitors. These are key steps on the road toward even more concentrated oligarchic control.

Yet what’s been reported this week is that Ferguson is purging diversity, equity, and inclusion (DEI) policies from the Federal Trade Commission.

I’m not playing down the importance of DEI. I’m just saying that the really big shift is happening behind the rightward flip. In fact, the terms “left” and “right” mean less and less now. The big story is about power and wealth moving into fewer and fewer hands.

Trump is the frontman. The three richest men in the world (Musk, Jeff Bezos, and Mark Zuckerberg) stood prominently before him when he was sworn in last week. Trump has appointed other billionaires to key positions.

Behind them is a coterie of billionaires pushing for more oligarchic control of America (among them, Peter Thiel, Blake Masters, tech entrepreneur David Sacks, Palantir co-founder Joe Lonsdale, Palantir adviser Jacob Helberg, and Sequoia Capital’s Doug Leone).

Their two key inside players are Musk and JD Vance.

The oligarchs are counting on Vance to become president when Trump is incapacitated or dies in office, or clings to power beyond 2028 and turns power over to Vance. Vance will manage the final transition to an oligarchic form of government.

Recall that Vance would never have been elected senator from Ohio in 2022 were it not for Thiel’s $15 million investment in him (by far the largest portion of Vance’s campaign fund).

Thiel knew what he was buying. Vance had worked for Thiel’s California venture capital firm before running for the Senate and was part of Thiel’s group of rich crypto bros, tech executives, back-to-the-landers, and disaffected far-right intellectuals.

Because Thiel had been a major funder of Trump’s 2016 presidential run, he had significant influence with Trump when urging him to pick Vance for vice president.

Thiel once wrote: “I no longer believe that freedom and democracy are compatible.” Hello? Freedom is incompatible with democracy only if you view democracy as a potential constraint on your wealth and power.

That’s the whole point. Thiel and his fellow billionaire oligarchs want it all.

Their intellectual godfather is Curtis Yarvin, a 51-year-old computer engineer who believes that political power in the United States has been held by a liberal amalgam of universities and the mainstream media, whose commitment to equality and justice is eroding social order.

Yarvin thinks democratic governments are inefficient and wasteful. They should be replaced with sovereign joint-stock corporations whose major “shareholders” select an executive with total power, who serves at their pleasure. Yarvin refers to the city-state of Singapore as an example of a successful authoritarian regime.

The first step toward achieving Yarvin’s vision was offered by Vance in a 2021 podcast — replace “every single midlevel bureaucrat, every civil servant in the administrative state … with our people. And when the courts stop you, stand before the country, and say” – as did Andrew Jackson – that “the chief justice has made his ruling. Now let him enforce it.”

Yarvin’s emphasis on the inefficiency of democratic government is the seed for Musk’s department of government efficiency, itself another step toward Yarvin’s joint-stock corporation of oligarchs.

A third step: cryptocurrency substitutes for the U.S. dollar. This would shift financial controls out of a democratically elected system of government and into the hands of oligarchs who control crypto.

Make no mistake: Trump’s first week was a catastrophe for many vulnerable people. But the biggest story was his startling initial moves from democracy to oligarchy.

My hope lies in Americans noticing this.

As I��ve said, not since the Gilded Age of the late 19th century has such vast wealth turned itself into power so unapologetically, unashamedly, and defiantly.

Americans don’t abide aristocracy. We were founded in revolt against unaccountable power and wealth. We will not tolerate this barefaced takeover.

The backlash, when it comes, will be stunning.

#robert reich

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newshare24 · 2 months ago

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These Predatory Marketing Tactics Could Be Your Company's Biggest Threat

Opinions expressed by Entrepreneur contributors are their own. Most of us in business know enough about building SEO to get by or at least not embarrass ourselves when the marketing team starts throwing acronyms around the conference room. For most, it’s simply keeping up with keywords, tagging social media and website pages with query terms, paying for some rankings, earning more organically…

#Biggest #companys #Marketing #Predatory #tactics #Threat

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stevenmangra · 4 months ago

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Financial Literacy: The Key to Unlocking Personal and Professional Success

Financial literacy is more crucial than ever in today's complex economic landscape. Understanding financial concepts and practices empowers individuals to make informed decisions and lays a solid foundation for long-term success. This article delves into the significance of financial literacy, its impact on personal lives and businesses, and practical steps to enhance one's financial knowledge.

Understanding Financial Literacy

Financial literacy refers to the ability to understand and effectively manage personal finances. It encompasses a range of skills and knowledge, including budgeting, saving, investing, and understanding credit. Financial literacy is essential for individuals of all ages, as it equips them to navigate financial challenges and seize opportunities that come their way.

The Importance of Financial Literacy in Personal Life

At its core, financial literacy empowers individuals to take control of their financial future. When people understand concepts such as interest rates, credit scores, and investment options, they can make informed decisions that align with their goals. For example, someone who knows how to budget effectively can allocate resources wisely, reducing stress and improving overall financial health.

Better Decision-Making

Financial literacy leads to better decision-making. Individuals knowledgeable about financial products, such as loans or credit cards, are less likely to fall victim to predatory lending practices or accumulate debt. They can assess risks and benefits, making choices that contribute to their long-term financial well-being.

Achieving Financial Goals

Whether buying a home, saving for retirement or funding a child's education, financial literacy plays a pivotal role in achieving financial goals. Individuals who understand how to set realistic financial goals and create actionable plans are more likely to succeed. They can evaluate different savings and investment strategies, ultimately enhancing their chances of reaching their objectives.

The Impact of Financial Literacy on Professional Success

Financial literacy is not only essential in personal finance; it also influences professional success. Many employers value employees who possess strong financial acumen. In today's business world, individuals who understand financial statements, budgets, and cash flow management are better equipped to contribute to their organizations. This knowledge can lead to career advancement opportunities and increased job security.

Entrepreneurial Success

For aspiring entrepreneurs, financial. Understanding how to manage for aspiring entrepreneurs business finances, create budgets, and analyze profitability is critical for running a successful venture. Financially literate entrepreneurs can make informed decisions regarding pricing, investments, and operational costs, ultimately increasing their chances of success.

Navigating Economic Challenges

Economic downturns can significantly impact businesses and individuals alike. Financial literacy provides the tools to navigate these challenges effectively. Individuals understanding economic indicators and market trends can adjust their strategies to minimize risks. Likewise, businesses with financially literate leaders are better prepared to adapt to changing market conditions and maintain stability.

The Broader Implications of Financial Literacy

A lack of financial literacy can lead to stress and anxiety. Many individuals struggle with money management, resulting in overwhelming debt and economic instability. Individuals can reduce financial stress by enhancing financial literacy, mental well-being, and overall life satisfaction.

Promoting Economic Stability

On a larger scale, widespread financial literacy contributes to economic stability. When individuals and families are financially educated, they are more likely to make sound financial decisions, such as saving for emergencies and investing wisely. This, in turn, promotes economic growth and stability in communities and societies.

Fostering Responsible Citizenship

Financial literacy also fosters responsible citizenship. Individuals who understand financial principles are more likely to engage in their communities, contribute to local economies, and make informed choices as consumers. This sense of responsibility extends to understanding the impact of personal financial decisions on broader societal issues, such as poverty and inequality.

Steps to Enhance Financial Literacy

The first step in enhancing financial literacy is to educate yourself. Numerous resources are available, including books, online courses, and workshops. Websites like Khan Academy, Coursera, and various financial institutions offer free or low-cost courses on personal finance topics. Start by learning the basics, such as budgeting and saving, and gradually move on to more complex subjects like investing and retirement planning.

Utilize Financial Tools

Various financial tools and apps can help individuals manage their finances more effectively. Budgeting apps, investment tracking tools, and financial calculators can provide valuable insights and assistance in making informed decisions. These tools can help users monitor spending, set financial goals, and track progress.

Seek Professional Advice

Sometimes, seeking the guidance of a financial advisor can be beneficial, especially for more complex financial matters. Financial advisors can offer personalized advice and strategies tailored to individual goals and circumstances. This can be particularly helpful for retirement planning, investment strategies, and navigating major financial decisions.

Engage with Your Community

Community engagement can also foster financial literacy. Many community organizations offer financial literacy programs and workshops. Participating in these initiatives can enhance your knowledge and provide a platform for discussing financial challenges with others. Additionally, sharing knowledge with friends and family can create a supportive network encouraging financial literacy.

Practice Financial Discipline

Finally, the best way to enhance financial literacy is through practice. Start implementing what you learn by creating a budget, setting financial goals, and tracking your progress. Monitor your spending habits and assess your financial decisions regularly. The more you practice, the more confident you will become in managing your finances effectively.

Financial literacy is not just a set of skills but a critical life competency that empowers individuals and communities alike. By understanding financial principles, individuals can confidently navigate their personal and professional lives, reduce stress, and achieve their goals. In an increasingly complex financial landscape, prioritizing financial literacy is essential for fostering responsible citizenship and economic stability. Investing in our financial education unlocks the potential for a brighter financial future, paving the way for personal and collective success.

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chloe-doust · 4 months ago

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Chloe Doust: Leading Personal Injury and Debt Relief with Excellence

Chloe Doust, a dedicated attorney with an unwavering commitment to justice, stands out in the legal field for her leadership in personal injury and debt relief law. With a career that spans multiple states, including North Carolina, Alabama, and Minnesota, Chloe has built a reputation for her ability to navigate complex legal landscapes, all while prioritizing the well-being of her clients.

At the core of Chloe Doust’s practice at the Gillespie Law Firm is her mission to help individuals and families who have been wronged or are in need of legal relief. Specializing in personal injury and consumer rights law, Chloe brings a combination of compassion and legal expertise to each case, ensuring that her clients receive the care, support, and justice they deserve.

A Legal Career Rooted in Advocacy

Chloe Doust’s legal career is deeply rooted in her passion for advocacy. With an LLM in International Trade Law from Nottingham School of Law, England, she is equipped with advanced skills in negotiating business contracts and handling everyday legal matters. However, it’s her experience in personal injury and consumer rights that has defined her career.

Through her work, Chloe handles a wide variety of cases, including automobile, truck, and motorcycle accidents, property law claims, unlawful evictions, and drafting lease agreements. Her versatility and deep knowledge of these areas have made her a trusted advocate for her clients, many of whom have faced significant physical and financial hardships.

What sets Chloe Doust apart is her approach to each case. Rather than focusing solely on the legal outcomes, she ensures that her clients feel supported throughout the entire legal process. Chloe offers free consultations and, whenever possible, free legal services—a testament to her commitment to making justice accessible to all.

A Champion for Consumer Rights and Debt Relief

In addition to personal injury, Chloe Doust has also developed a strong focus on debt relief and consumer rights. As the economic climate becomes more challenging for many families, Chloe has seen an increasing need to protect individuals from predatory lenders, unlawful debt collection practices, and other financial injustices.

Her work in this area often involves negotiating settlements, representing clients in debt-related disputes, and offering guidance on financial recovery. Chloe Doust's approach is characterized by her empathy and understanding of the financial and emotional toll that debt can take on individuals and families. Her goal is to not only win cases but to empower her clients to regain financial stability and peace of mind.

Serving the Community Beyond the Courtroom

Chloe Doust’s dedication to helping others extends beyond her legal practice. When she’s not in the courtroom or fighting for her clients, she contributes to her local community by volunteering for Baptist South Church and taking on as many pro bono cases as possible. Her commitment to service has earned her respect, not only from her clients but also from her peers in the legal community.

Outside of her legal career, Chloe is a successful entrepreneur, managing a small business in South Carolina. Her legal background has given her an edge in navigating business challenges, and her experience with international trade law adds depth to her business negotiations.

A Vision for the Future

As a forward-thinking attorney, Chloe Doust continues to evolve her practice in response to the changing needs of her clients. With her combined expertise in personal injury, consumer rights, and debt relief, Chloe is uniquely positioned to lead her field and make a lasting impact on the lives of those she represents.

Her vision for the future is clear: to continue advocating for the underserved, offering legal services that are not only effective but also accessible to all. With her heart for service and her passion for justice, Chloe Doust is a true leader in personal injury and debt relief law, setting a standard of excellence that others strive to follow.

#chloe doust #personal injury #debt relief #lawyer #legal support #legal advice

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ehj3 · 9 days ago

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DAZE OF THE LOCUSTS

Consider grasshoppers being the same species as locusts. Both are usually solitary beasts who live within their means, but locusts, when particular circumstances occur become a conspicuous consuming horde. Now imagine a further metamorphosis where a few locusts become carnivorous and not only that but cannibals as well We are more like this grasshopper/locust fantasy than we care to admit. We…

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#cannibalism #capitalism #consumer capitalism #day of the locust #existence precedes essence #existentialism #femme fatale #financiers #invisible man #locusts #monopolists #outsider #praying #predatory entrepreneurs #preying #techbros #the invisible man

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seoblog4 · 5 months ago

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Alberta's No Refusal Loan Marketplace: Get Cash Now

In recent years,express loan in ontario Alberta has seen a surge in the demand for quick and accessible financial solutions. This trend has led to the establishment of what is now known as the "No Refusal Loan Marketplace." This innovative approach to lending offers residents a chance to secure cash quickly, without the extensive requirements typically associated with traditional loans.

What is the No Refusal Loan Marketplace?

The No Refusal Loan Marketplace is a platform designed to connect borrowers with lenders who are willing to provide loans without stringent credit checks or the traditional barriers that often make obtaining credit difficult. This marketplace caters to individuals who may struggle with poor credit scores or those needing urgent cash for unforeseen expenses.

Key Features

Fast Approval Process: One of the standout features of this marketplace is its rapid approval process. Many lenders offer instant decisions, allowing borrowers to receive funds within hours of applying.

Flexible Loan Amounts: Borrowers can request a variety of loan amounts, catering to small personal expenses or larger financial needs, making it adaptable to individual situations.

Simplified Application: The application process is straightforward, often requiring minimal documentation. This ease of access is particularly beneficial for those who may not have all the paperwork that traditional lenders demand.

Diverse Lender Options: The marketplace connects borrowers with multiple lenders, increasing the chances of finding a loan that meets specific needs and preferences.

Who Can Benefit?

The No Refusal Loan Marketplace is particularly beneficial for:

Individuals with Poor Credit: Those with a less-than-perfect credit history can find opportunities for financing that might not be available through conventional banks.

Emergency Situations: Whether it’s a medical emergency, car repairs, or unexpected bills, the ability to secure cash quickly can alleviate stress.

Small Business Owners: Entrepreneurs needing quick capital to manage cash flow or invest in opportunities can utilize this marketplace as a resource.

Considerations

While the No Refusal Loan Marketplace offers numerous advantages, borrowers should be mindful of a few considerations:

Interest Rates: Loans from this marketplace may come with higher interest rates compared to traditional loans. It's crucial for borrowers to understand the terms fully before committing.

Repayment Terms: Carefully review repayment terms to ensure they align with personal financial situations. Borrowers should plan to repay loans on time to avoid additional fees or penalties.

Scams and Predatory Lending: As with any financial service, it's essential to be vigilant for scams. Always deal with reputable lenders and read reviews or seek recommendations.

Alberta's No Refusal Loan Marketplace offers a valuable solution for residents seeking immediate financial assistance. Its accessibility and quick processing times make it an attractive option for those in need. However,faxless payday loans in canada potential borrowers should approach with caution, ensuring they understand the terms and conditions. With the right information and planning, this marketplace can serve as a helpful resource in times of financial need.

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mostlysignssomeportents · 1 year ago

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Sympathy for the spammer

Catch me in Miami! I'll be at Books and Books in Coral Gables on Jan 22 at 8PM.

In any scam, any con, any hustle, the big winners are the people who supply the scammers – not the scammers themselves. The kids selling dope on the corner are making less than minimum wage, while the respectable crime-bosses who own the labs clean up. Desperate "retail investors" who buy shitcoins from Superbowl ads get skinned, while the MBA bros who issue the coins make millions (in real dollars, not crypto).

It's ever been thus. The California gold rush was a con, and nearly everyone who went west went broke. Famously, the only reliable way to cash out on the gold rush was to sell "picks and shovels" to the credulous, doomed and desperate. That's how Leland Stanford made his fortune, which he funneled into eugenics programs (and founding a university):

https://www.hachettebookgroup.com/titles/malcolm-harris/palo-alto/9780316592031/

That means that the people who try to con you are almost always getting conned themselves. Think of Multi-Level Marketing (MLM) scams. My forthcoming novel The Bezzle opens with a baroque and improbable fast-food Ponzi in the town of Avalon on the island of Catalina, founded by the chicle monopolist William Wrigley Jr:

http://thebezzle.org

Wrigley found fast food declasse and banned it from the island, a rule that persists to this day. In The Bezzle, the forensic detective Martin Hench uncovers The Fry Guys, an MLM that flash-freezes contraband burgers and fries smuggled on-island from the mainland and sells them to islanders though an "affiliate marketing" scheme that is really about recruiting other affiliate markets to sell under you. As with every MLM, the value of the burgers and fries sold is dwarfed by the gigantic edifice of finance fraud built around it, with "points" being bought and sold for real cash, which is snaffled up and sucked out of the island by a greedy mainlander who is behind the scheme.

A "bezzle" is John Kenneth Galbraith's term for "the magic interval when a confidence trickster knows he has the money he has appropriated but the victim does not yet understand that he has lost it." In every scam, there's a period where everyone feels richer – but only the scammers are actually cleaning up. The wealth of the marks is illusory, but the longer the scammer can preserve the illusion, the more real money the marks will pump into the system.

MLMs are particularly ugly, because they target people who are shut out of economic opportunity – women, people of color, working people. These people necessarily rely on social ties for survival, looking after each others' kids, loaning each other money they can't afford, sharing what little they have when others have nothing.

It's this social cohesion that MLMs weaponize. Crypto "entrepreneurs" are encouraged to suck in their friends and family by telling them that they're "building Black wealth." Working women are exhorted to suck in their bffs by appealing to their sisterhood and the chance for "women to lift each other up."

The "sales people" trying to get you to buy crypto or leggings or supplements are engaged in predatory conduct that will make you financially and socially worse off, wrecking their communities' finances and shattering the mutual aid survival networks they rely on. But they're not getting rich on this – they're also being scammed:

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4686468

This really hit home for me in the mid-2000s, when I was still editing Boing Boing. We had a submission form where our readers could submit links for us to look at for inclusion on the blog, and it was overwhelmed by spam. We'd add all kinds of antispam to it, and still, we'd get floods of hundreds or even thousands of spam submissions to it.

One night, I was lying in my bed in London and watching these spams roll in. They were all for small businesses in the rustbelt, handyman services, lawn-care, odd jobs, that kind of thing. They were 10 million miles from the kind of thing we'd ever post about on Boing Boing. They were coming in so thickly that I literally couldn't finish downloading my email – the POP session was dropping before I could get all the mail in the spool. I had to ssh into my mail server and delete them by hand. It was maddening.

Frustrated and furious, I started calling the phone numbers associated with these small businesses, demanding an explanation. I assumed that they'd hired some kind of sleazy marketing service and I wanted to know who it was so I could give them a piece of my mind.

But what I discovered when I got through was much weirder. These people had all been laid off from factories that were shuttering due to globalization. As part of their termination packages, their bosses had offered them "retraining" via "courses" in founding their own businesses.

The "courses" were the precursors to the current era's rise-and-grind hustle-culture scams (again, the only people getting rich from that stuff are the people selling the courses – the "students" finish the course poorer). They promised these laid-off workers, who'd given their lives to their former employers before being discarded, that they just needed to pull themselves up by their own boostraps:

https://pluralistic.net/2023/04/10/declaration-of-interdependence/#solidarity-forever

After all, we had the internet now! There were so many new opportunities to be your own boss! The course came with a dreadful build-your-own-website service, complete with an overpriced domain sales portal, and a single form for submitting your new business to "thousands of search engines."

This was nearly 20 years ago, but even then, there was really only one search engine that mattered: Google. The "thousands of search engines" the scammers promised to submit these desperate peoples' websites to were just submission forms for directories, indexes, blogs, and mailing lists. The number of directories, indexes, blogs and mailing lists that would publish their submissions was either "zero" or "nearly zero." There was certainly no possibility that anyone at Boing Boing would ever press the wrong key and accidentally write a 500-word blog post about a leaf-raking service in a collapsing deindustrialized exurb in Kentucky or Ohio.

The people who were drowning me in spam weren't the scammers – they were the scammees.

But that's only half the story. Years later, I discovered how our submission form was getting included in this get-rich-quick's mass-submission system. It was a MLM! Coders in the former Soviet Union were getting work via darknet websites that promised them relative pittances for every submission form they reverse-engineered and submitted. The smart coders didn't crack the forms directly – they recruited other, less business-savvy coders to do that for them, and then often as not, ripped them off.

The scam economy runs on this kind of indirection, where scammees are turned into scammers, who flood useful and productive and nice spaces with useless dross that doesn't even make them any money. Take the submission queue at Clarkesworld, the great online science fiction magazine, which famously had to close after it was flooded with thousands of junk submission "written" by LLMs:

https://www.npr.org/2023/02/24/1159286436/ai-chatbot-chatgpt-magazine-clarkesworld-artificial-intelligence

There was a zero percent chance that Neil Clarke would accidentally accept one of these submissions. They were uniformly terrible. The people submitting these "stories" weren't frustrated sf writers who'd discovered a "life hack" that let them turn out more brilliant prose at scale.

They were scammers who'd been scammed into thinking that AIs were the key to a life of passive income, a 4-Hour Work-Week powered by an AI-based self-licking ice-cream cone:

https://pod.link/1651876897/episode/995c8a778ede17d2d7cff393e5203157

This is absolutely classic passive-income brainworms thinking. "I have a bot that can turn out plausible sentences. I will locate places where sentences can be exchanged for money, aim my bot at it, sit back, and count my winnings." It's MBA logic on meth: find a thing people pay for, then, without bothering to understand why they pay for that thing, find a way to generate something like it at scale and bombard them with it.

Con artists start by conning themselves, with the idea that "you can't con an honest man." But the factor that predicts whether someone is connable isn't their honesty – it's their desperation. The kid selling drugs on the corner, the mom desperately DMing her high-school friends to sell them leggings, the cousin who insists that you get in on their shitcoin – they're all doing it because the system is rigged against them, and getting worse every day.

These people reason – correctly – that all the people getting really rich are scamming. If Amazon can make $38b/year selling "ads" that push worse products that cost more to the top of their search results, why should the mere fact that an "opportunity" is obviously predatory and fraudulent disqualify it?

https://pluralistic.net/2023/11/29/aethelred-the-unready/#not-one-penny-for-tribute

The quest for passive income is really the quest for a "greater fool," the economist's term for the person who relieves you of the useless crap you just overpaid for. It rots the mind, atomizes communities, shatters solidarity and breeds cynicism:

https://pluralistic.net/2023/02/24/passive-income/#swiss-cheese-security

The rise and rise of botshit cannot be separated from this phenomenon. The botshit in our search-results, our social media feeds, and our in-boxes isn't making money for the enshittifiers who send it – rather, they are being hustled by someone who's selling them the "picks and shovels" for the AI gold rush:

https://www.theguardian.com/commentisfree/2024/jan/03/botshit-generative-ai-imminent-threat-democracy

That's the true cost of all the automation-driven unemployment criti-hype: while we're nowhere near a place where bots can steal your job, we're certainly at the point where your boss can be suckered into firing you and replacing you with a bot that fails at doing your job:

https://pluralistic.net/2024/01/11/robots-stole-my-jerb/#computer-says-no

The manic "entrepreneurs" who've been stampeded into panic by the (correct) perception that the economy is a game of musical chairs where the number of chairs is decreasing at breakneck speed are easy marks for the Leland Stanfords of AI, who are creating generational wealth for themselves by promising that their bots will automate away all the tedious work that goes into creating value. Expect a lot more Amazon Marketplace products called "I'm sorry, I cannot fulfil this request as it goes against OpenAI use policy":

https://www.theverge.com/2024/1/12/24036156/openai-policy-amazon-ai-listings

No one's going to buy these products, but the AI picks-and-shovels people will still reap a fortune from the attempt. And because history repeats itself, these newly minted billionaires are continuing Leland Stanford's love affair with eugenics:

https://www.truthdig.com/dig-series/eugenics/

The fact that AI spam doesn't pay is important to the fortunes of AI companies. Most high-value AI applications are very risk-intolerant (self-driving cars, radiology analysis, etc). An AI tool might help a human perform these tasks more accurately – by warning them of things that they've missed – but that's not how AI will turn a profit. There's no market for AI that makes your workers cost more but makes them better at their jobs:

https://locusmag.com/2023/12/commentary-cory-doctorow-what-kind-of-bubble-is-ai/

Plenty of people think that spam might be the elusive high-value, low-risk AI application. But that's just not true. The point of AI spam is to get clicks from people who are looking for better content. It's SEO. No one reads 2000 words of algorithm-pleasing LLM garbage over an omelette recipe and then subscribes to that site's feed.

And the omelette recipe generates pennies for the spammer that posted it. They are doing massive volume in order to make those pennies into dollars. You don't make money by posting one spam. If every spammer had to pay the actual recovery costs (energy, chillers, capital amortization, wages) for their query, every AI spam would lose (lots of) money.

Hustle culture and passive income are about turning other peoples' dollars into your dimes. It is a negative-sum activity, a net drain on society. Behind every seemingly successful "passive income" is a con artist who's getting rich by promising – but not delivering – that elusive passive income, and then blaming the victims for not hustling hard enough:

https://www.ftc.gov/business-guidance/blog/2023/12/blueprint-trouble

I'm Kickstarting the audiobook for The Bezzle, the sequel to Red Team Blues, narrated by @wilwheaton! You can pre-order the audiobook and ebook, DRM free, as well as the hardcover, signed or unsigned. There's also bundles with Red Team Blues in ebook, audio or paperback.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/01/15/passive-income-brainworms/#four-hour-work-week

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

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onlinebusinesslineofcredit · 6 months ago

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Loans For Self Employed No Credit Check - Boost Your Business

As a self-employed individual seeking loans without credit checks, you'll face significant challenges. Traditional lenders often require strong credit histories, making it difficult to secure financing. Nevertheless, alternative options exist, such as online lenders, peer-to-peer platforms, and microloans, which may offer more flexible criteria. Focus on building your business credit and improving your financial profile rather than pursuing risky no-credit-check loans. Maintain detailed financial records, manage cash flow effectively, and consider secured loans if you have assets for leverage. By understanding the documentation requirements and demonstrating income stability, you'll increase your chances for approval. Exploring these strategies can open up more viable financing opportunities to secure. https://www.youtube.com/watch?v=5QLele6zRGM

Key Takeaways

- No-credit-check loans often involve predatory practices and high interest rates for self-employed individuals. - Online lenders and P2P platforms may offer more flexible criteria without traditional credit checks. - Microloans and CDFIs provide alternative financing options with less emphasis on credit scores. - Focus on improving your financial profile and building business credit instead of pursuing no-credit-check loans. - Consider secured loans or providing extensive financial documentation to offset the need for credit checks.

Challenges Self-Employed Individuals Face When Seeking Loans

Uncertainty often plagues self-employed individuals when they seek loans. Challenges include meeting stringent eligibility criteria for self-employed loans and providing a steady income. Lenders may use alternative credit assessment methods for evaluating creditworthiness. While financial assistance options exist, be cautious regarding potential predatory lending practices. Focus on improving your financial profile and exploring legitimate lending options rather than seeking no-credit-check loans, which can be risky.

Alternative Lending Options For Self-Employed With Limited Credit History

When exploring alternative lending options, you'll find that online lenders often have more flexible criteria for self-employed borrowers with limited credit history. Peer-to-peer lending platforms can connect you directly with individual investors who may be willing to fund your loan based on factors beyond traditional credit scores. For smaller financing needs, you might consider microloans or community development financial institutions, which typically focus on supporting local entrepreneurs and small businesses. Are You Eligible for a No Credit Check Loan? Online Lenders And Their Criteria Maneuvering the lending terrain as a self-employed individual with a limited credit history can be challenging, but online lenders have emerged as a viable substitute. These platforms often use alternative credit data to assess risk, offering more flexible eligibility criteria for self-employed individuals. While they don't provide "no credit check" loans, online loans for self-employed borrowers may require less traditional documentation, focusing instead on business performance and cash flow. Peer-to-peer Lending Platforms Emerging as a popular alternative for self-employed individuals with limited credit history, peer-to-peer (P2P) lending platforms connect borrowers directly with individual lenders. These platforms offer self-employed financing choices with potentially competitive rates. While not guaranteed, P2P lending can provide access to funds for those who may struggle with traditional lenders. To increase your chances, focus on improving your financial profile and presenting a solid business plan for potential lenders. Microloans And Community Development Financial Institutions For self-employed individuals with limited credit history, microloans and Community Development Financial Institutions (CDFIs) offer viable alternatives to traditional lending. These responsible lending practices cater to the financial needs of self-employed borrowers: - Microloans provide small-scale funding for startups and growth. - CDFIs focus on community economic development and financial inclusion. - Both options typically offer more flexible terms than traditional banks. These alternatives emphasize local economic impact and personalized financial support for self-employed entrepreneurs.

Building Business Credit As A Self-Employed Individual

As a self-employed individual, building business credit is essential for future financing opportunities. You'll need to start by separating your personal and business finances, then establish dedicated business credit accounts. Consistently making timely payments and managing your credit utilization will help you develop a strong business credit profile over time. Separating Personal And Business Finances A self-employed individual's financial success often hinges upon their ability to separate personal and business finances. This practice enhances financial clarity, simplifies tax preparation, and improves access to credit check business loans. When seeking self-employed loans, demonstrating clear proof from earnings becomes easier with distinct accounts. Financial resources for separating finances include: - Dedicated business checking account - Separate business credit card - Professional accounting software These tools help maintain a clear financial boundary, essential for both daily operations and future loan applications. Establishing Business Credit Accounts Building business credit as a self-employed individual starts with establishing dedicated business credit accounts. Open a business checking account and apply for a business credit card. Avoid seeking "loans for self employed no credit check" as these often involve predatory lending practices. Instead, focus on building relationships with credible partner lenders. Consider alternatives like invoice factoring or a freelance cash advance from reputable platforms to manage cash flow while establishing your business credit profile. Timely Payments And Credit Utilization Timely payments and proper credit utilization form the bedrock for building a strong business credit profile for self-employed individuals. Consistently meeting your monthly payments and maintaining a healthy credit utilization ratio are essential. To improve your customer experience and creditworthiness: - Establish a strict repayment schedule - Consider balance transfer options for managing debt - Avoid seeking self-employed loans without a credit check Focus on responsible financial management to strengthen your business credit standing.

Documentation Requirements For Self-Employed Loan Applicants

When applying for loans as a self-employed individual, you'll need to provide thorough documentation to prove your income and financial stability. You should be prepared to submit tax returns and profit & loss statements, which demonstrate your business's financial health over time. Furthermore, lenders may require bank statements, financial records, and copies of your business licenses and registrations to verify your operational status and legitimacy. Tax Returns And Profit & Loss Statements As a self-employed individual seeking a loan, you'll need to provide thorough documentation to prove your income and financial stability. Tax returns and profit & loss statements are essential for demonstrating your business revenue and financial health. While "self employed loans no credit check" may seem appealing, responsible lenders will always review your financial history. - Frustration with complex application processes - Relief when organizing financial documents - Anticipation of a smoother loan approval These documents streamline the application process and timeline, increasing your chances for loan approval. Bank Statements And Financial Records Bank statements and financial records serve as crucial evidence regarding your financial stability when applying for loans as a self-employed individual. Business lenders typically require at least 3-6 months' worth of bank statements to assess your cash flow and income consistency. As a self-employed borrower, you'll need to provide detailed financial records, including profit and loss statements, to demonstrate your ability to repay short-term loans or alternative financing options. Business Licenses And Registrations Beyond financial records, lenders also require proof regarding your business's legal status and operations. When applying for business loans, loans for entrepreneurs, or loans for freelancers, you'll need to provide: - Valid business license - Tax registration documents - Industry-specific certifications These documents demonstrate your legitimacy and compliance with regulations. While merchant cash advances and short-term loans can address urgent financial needs, they often have higher interest rates. Focus on improving your creditworthiness and exploring traditional lending options for better terms.

Strategies For Improving Creditworthiness

Improving your creditworthiness as a self-employed individual requires a multifaceted approach. You'll need to focus on maintaining a strong personal credit score through timely bill payments and responsible credit use. Furthermore, consistently reporting your income and building relationships with financial institutions can help establish your reliability and increase your chances for loan approval. Maintaining A Strong Personal Credit Score Maintaining a strong personal credit score is crucial for self-employed individuals seeking financing alternatives. A good credit score can lead to: - Quicker funding speed - Lower interest rates - More favorable repayment terms For self-employed loans, a strong credit score is a key benefit. This demonstrates your financial responsibility and increases your chances for approval. Regularly monitor your credit report, pay bills punctually, and keep credit utilization low to maintain a healthy score. Consistent Income Reporting Consistent income reporting plays a crucial role in enhancing your creditworthiness as a self-employed individual. Lenders assess your financial stability differently than traditional employees. Maintain accurate records of your income, including gig economy earnings, to demonstrate reliability. Such consistency aids when applying for various types of loans accessible, from short-term duration options to more substantial financing. Avoid instant cash loans online for self-employed offers, as reputable lenders always conduct credit checks. Building Relationships With Financial Institutions While consistent income reporting helps establish your financial reliability, building strong relationships with financial institutions can greatly enhance your creditworthiness as a self-employed individual. When seeking loans for your business, focus upon: - Maintaining regular communication with your bank - Demonstrating responsible financial management - Utilizing business banking services These practices improve your chances of securing traditional loans, rather than resorting towards quick loans or no credit check options, which often carry higher risks and costs.

Exploring SBA Loan Programs For Self-Employed Individuals

SBA loan programs offer valuable financing options for self-employed individuals seeking to grow their businesses. You'll find various SBA loan types, each with specific eligibility criteria customized for different business needs and stages of development. To apply, you'll need to prepare an extensive business plan, financial statements, and other required documentation, then work with an SBA-approved lender to submit your application. Overview Of SBA Loans Self-employed individuals looking to grow their businesses can turn toward Small Business Administration (SBA) loans as a viable financing option. These government-backed loans offer competitive terms and lower down payments compared with traditional bank loans. SBA loans come in various types, each designed for specific business needs. - Access to capital for expansion and growth - Flexible repayment terms customized for your business - Lower interest rates aimed at reducing overall borrowing costs SBA loans require a credit check and a thorough application process, ensuring responsible lending practices. Eligibility Criteria For Self-employed Borrowers Many self-employed individuals can qualify for SBA loans, but you'll need to meet specific eligibility criteria. You must operate a for-profit business in the U.S., have invested your own time and money, and exhausted other financing options. Your business should meet SBA size standards, and you'll need a good credit score and a solid business plan. Demonstrating sufficient cash flow to repay the loan is essential. Application Process And Requirements When applying for an SBA loan as a self-employed individual, you'll need to steer through a thorough application process. The Small Business Administration offers various loan programs customized for self-employed entrepreneurs. To increase your chances of approval, prepare the following: - A complete business plan - Detailed financial statements and projections - Personal and business tax returns for the past three years These documents demonstrate your business's viability and your ability to repay the loan.

The Role Of Business Plans In Securing Loans

A well-crafted business plan is vital when seeking financing for your self-employed venture. You'll need to include key components such as financial projections, market analysis, and a clear business strategy to demonstrate your venture's viability. Lenders will scrutinize your business plan to assess the potential risks and rewards from providing you with a loan, making this an important tool in your quest for funding. Key Components Of A Strong Business Plan Every strong business plan plays a vital role in securing loans for self-employed individuals. Key components include: - Executive summary - Market analysis - Financial projections Your business plan should clearly outline your company's structure, goals, and strategies. This demonstrates your understanding of the market and showcases your potential for success. Lenders use the document to assess your creditworthiness and ability to repay the loan, making it critical for securing financing. Financial Projections And Market Analysis Financial projections and market analysis form the backbone of a compelling business plan, crucial for securing loans as a self-employed individual. You'll need to provide detailed income forecasts, expense breakdowns, and cash flow projections. Include a thorough market analysis highlighting your target audience, competition, and growth potential. These elements demonstrate your business's viability and your ability to repay the loan, increasing your chances for approval from legitimate lenders. Only 16% of small businesses have between 1 and 19 employees, which equates to over 5.4 million businesses How Lenders Evaluate Business Plans Lenders scrutinize business plans as a crucial component in their loan evaluation process for self-employed individuals. They assess your business's viability, financial projections, and market potential. A well-crafted business plan demonstrates your: - Strategic thinking and industry knowledge - Ability to identify and mitigate risks - A clear path towards profitability and loan repayment Your business plan should include detailed financial forecasts, market analysis, and operational strategies. Such an extensive document helps lenders gauge your creditworthiness beyond traditional credit checks.

Traditional Banks Vs. Online Lenders For Self-Employed Borrowers

When considering financing choices as a self-employed borrower, you'll find significant differences between traditional banks and online lenders. You should compare interest rates, loan terms, approval processes, and timelines to determine which option best suits your needs. Online lenders often offer more flexibility in their lending criteria, which can be advantageous for self-employed individuals with non-traditional income documentation. Comparison Of Interest Rates And Terms Comparing interest rates and terms between traditional banks and online lenders is crucial for self-employed borrowers seeking the best financing choices. Consider these factors: - Annual Percentage Rate (APR) - Loan duration and repayment flexibility - Collateral requirements Traditional banks often offer lower rates but have stricter qualifications. Online lenders may provide quicker approval and more flexible terms, but potentially higher interest rates. Evaluate your financial situation and business needs to determine the most suitable option. Anita Campbell, CEO of Small Business Trends, advises: "Self-employed business owners should focus on building multiple income streams to create stability and hedge against market fluctuations." Approval Processes And Timelines Self-employed borrowers face two distinct approval processes when seeking loans from traditional banks versus Internet lenders. Traditional banks typically require extensive documentation, including tax returns, financial statements, and business plans. Such a process can take weeks or months. Online lenders often use automated underwriting systems, analyze bank statements and cash flow data. Their approval process is usually swifter, sometimes providing decisions within periods. Nonetheless, both types of lenders will still assess your creditworthiness. Read the full article

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thebusinessmagnate · 7 months ago

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Marcelo Poletti: Biofactory of Biological Products Developed Naturally for Safer and Sustainable High-Productivity Agriculture Ensuring Healthy Ecosystem at PROMIP

The Business Magnate. Marcelo Poletti, Co-Founder and CEO, PROMIP. In the journey and mission to ensure safe, sustainable, and high-productivity agriculture across the globe, the development of biological products naturally found in nature and developed, is emerging today as a game-changer. Seeking to protect the people and the environment, biofactories deal with natural bioproducts to produce innovative solutions exclusively. The switch and transition from using biological controls over harmful chemical defenses in the control of pest management while growing crops eliminates the rise in agricultural pests and increases crop quality. This integrated pest management and control approach enhances agricultural productivity and promotes environmental sustainability by decreasing and completely avoiding the reliance on chemical inputs. Thus by embracing such natural alternatives, a strong foundation is laid and a path paved for a future where agriculture and nature thrive together in harmony.

PROMIP, established in São Paulo, Brazil was the country’s first and globally recognized company for Biofactory of Biological Products, and it came out with innovative and sustainable agriculture solutions that develop predatory mites for pest control. The company which was co-founded in 2006 by Marcelo Poletti (CEO) alongside Roberto Konno, was founded to explore and find bio-insecticides as solutions in nature for integrated pest management and control so that the people and the environment can be safe and protected. With developing and producing various macrobiological and microbiological products, PROMIP is a “Biologicals Transforming Agriculture”.

Therefore this article shall delve into innovative farming solutions that are naturally found in nature and developed by a Brazillian company – PROMIP, and how the Co-founder and CEO – Marcelo Poletti raises awareness through the manufacture and production of effective macrobiological and microbiological bio-insecticide products, carefully curated to single out specific agricultural pests. This ensures farmers grow crops in the most effective way possible that produces a good quality yield.

Marcelo Poletti – The Agronomist and Entomologist who Co-Founded PROMIP:

Marcelo Poletti is the Co-Founder and Chief Executive Officer at PROMIP. The company is a farming, innovative, and sustainable agricultural solutions manufacturer and provider of natural biological products for agriculture, focusing on integrated pest management and control. Founded and established in 2006 by Marcelo and Roberto Konno in São Paulo, Brazil, PROMIP’s mission is to “seek solutions in nature that enable safe, sustainable, and high-productivity agriculture.”

A dedicated agronomist, entomologist, and environmentalist. Marcelo – an agricultural engineer from Brazil wanted to help farmers grow with the confidence and assurance of producing high-yield, good quality, and chemical-free crops for a healthy ecosystem in agriculture and safe consumption. Therefore, to reduce and eliminate the harmful effects of chemical defensives which deplete and degrade crop growth, quality yield, and consumer health, and harm the ecosystem, Marcelo and Roberto, along with a team of passionate professionals and experts in the field and industry, manufactured and developed bio-insecticides at PROMIP that wipe out annoying pests that destroy crop farms and fields. These macrobiological and microbiological products and research services are produced in large-scale quantities and marketed, with a core focus on Integrated Pest Management and control.

A born entrepreneur, ethically and scientifically prolific – Marcelo studied Agronomy and Entomology as an Agricultural Engineer at the University of São Paulo. The CEO of PROMIP received his Master’s education and degree in Arthropod Resistance to Control Tactics from the Higher School of Agriculture “Luiz de Queiroz” (ESALQ). From the same university, Marcelo went on further to receive a Doctorate Degree in Arthropod Resistance to Control Tactics and a Post-Doctorate Degree in Entomology and Integrated Pest Management. Thereafter, Marcelo was a Secretary Director for the ABC Bio – Brazilian Association of Biological Control Companies, a Supervisory Board Member at the same company, and then in 2006 co-founded and established PROMIP – Integrated Pest Management. Now, he leverages his skills and knowledge expertise in carrying out technical and managerial responsibilities in accomplishing PROMIP’s mission of developing more innovative solutions and biological products for sustainable agriculture and consumption.

PROMIP – Integrated Pest Management and Brazil’s 1st Biofactory of Biological Products:

Pioneering and leading the transformative production and commercialization of macrobiological and microbiological products, PROMIP has its research facilities, centers, laboratories, greenhouses, and experimental field all located in Engenheiro Coelho, São Paulo.

Committed to promoting sustainability for a better future in the field of agriculture and sustainable farming practices, PROMIP envisions “being recognized globally as a leading company in innovation and the ability to implement integrated pest management programs” like MipExperience, “in different crops and agricultural systems.”

The various innovative solution bio-insecticide products for biological pest control are not harmful, they do not harm natural crop pollinators like bees, they do not affect or disrupt the Earth’s biodiversity, and are carefully curated to target specific pests with proven efficiency.

Under solutions that are Macrobiological Bio-Defensives, products like the following were developed to combat, eliminate, or control various pests –

McroMip Max® – Phytoseiulus macropilis to combat the Two-Spotted Spider Mite and the NeoMip Max® – Neoseiulus californicus to control the Two-Spotted Spider Mite.

StratioMip® – Stratiolaelaps scimitus to control the larvae insect of Fungus Gnats.

AmblyMip® – Amblyseius tamatavensis to combat Whiteflies.

InsidioMip® – Orius insidiosus to exterminate and control Thrips.

TrichoMip-P® – Trichogramma pretiosum to combat and parasitize eggs of pest caterpillars (like tomato moth, greater tomato borer, corn earworm, fall armyworm, soybean caterpillar, and false measuring worm).

TrichoMip-G® – Trichogramma galloi to combat and parasitize the eggs of the Sugarcane Borer.

BracoMip® – Habrabracon hebector to control larval stages of Warehouse Moths (pests of grains and products that are stored in bulk or bagged in warehouses).

TeleMip® – Telenomus podisi to combat and control the soybean Brown Stink Bug.

Under solutions that are Microbiological Bio-Defensives, entomopathogenic viruses, fungus, products like the following were developed to combat, eliminate, or control various pests –

BaculoMip-SF® – Baculovirus spodoptera multiple nucleopolyhedrovirus (SfMNPV) to fight against and control the Fall Armyworm.

BoveMip® – Beauveria bassiana to combat by causing diseases and thus eliminating the pests of Whitefly, Two-Spotted Mite, Corn Leafhopper, Cane Weevil, and Banana Brat.

MetaMip® – Metharhizium anisopliae to combat by contaminating and colonizing the bodies of the Sugarcane and Pasture Leafhoppers called Root Sharpshooter and Grasshopper.

HarziMip® – Trichoderma harzianum to control the occurrence of White Mold.

These are the various bioproducts manufactured, developed, and produced for microbiological and microbiological bio-defensives, with a seal guaranteed by the Ministry of Agriculture, ensuring farmers maintain the healthy growth and production of their agricultural food crops, farms, and fields.

Today, PROMIP expands and includes its focus on developing and improving Agricultural Efficacy and practicability Studies in the field, vegetation house, and laboratory; on Studies of Pesticide Residues in Fields, in the Monitoring of Resistance of Chemical Products and GMOs, in the Collection and Transport of the Insects, and the Supply of Pests for Bioassays. Through research services in both public and private institutions present in Brazil and abroad, PROMIP excels in being Brazil’s first Biofactory of Biological Products for Integrated Pest Management.

Visit More : https://thebusinessmagnate.com/marcelo-poletti/

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wanaopen · 9 months ago

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Former Students of 'Predatory' Art Institutes Get $6.1 Billion in Loans Erased

http://dlvr.it/T6H5F2 via @Entrepreneur

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mastermindxsl · 11 months ago

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North Alabama House Buyer

Unlocking Quick and Hassle-Free Home Selling with North Alabama House Buyer

In the ever-evolving real estate market, where time is often of the essence, finding a reliable and efficient method to sell your home can be paramount. Enter North Alabama House Buyer, a beacon of hope for North Alabama House Buyer homeowners seeking to sell their properties swiftly and seamlessly. With their headquarters nestled in Huntsville, AL, and a reach extending across the entire state, North Alabama House Buyer has emerged as the go-to solution for those looking to part ways with their homes without the hassle of dealing with traditional real estate agents.

The brainchild of visionary entrepreneur Josh Berlin, North Alabama House Buyer was conceived with a simple yet profound mission: to revolutionize the home-selling experience. What sets this company apart from the myriad of options in the market is their unwavering commitment to transparency, integrity, and customer satisfaction.

At the heart of North Alabama House Buyer's ethos lies a dedication to providing fair and equitable offers to homeowners. Unlike some of their competitors who may resort to predatory tactics, North Alabama House Buyer operates with a sense of fairness that resonates with their clientele. Homeowners can rest assured that when they engage with this esteemed company, they will receive an offer that accurately reflects the true value of their property.

One of the standout features of North Alabama House Buyer is their remarkable efficiency. Time is often a critical factor in the realm of real estate transactions, and North Alabama House Buyer recognizes this all too well. With their streamlined processes and expedited timelines, homeowners can sell their properties in 30 days or less. This rapid turnaround not only saves valuable time but also alleviates the stress and uncertainty commonly associated with prolonged selling periods.

Central to the success of North Alabama House Buyer is their unwavering dedication to customer satisfaction. Beyond merely facilitating transactions, they strive to forge meaningful connections with each homeowner they serve. Whether it's offering guidance through the intricacies of the selling process or addressing any concerns with utmost professionalism, North Alabama House Buyer goes above and beyond to ensure that every client feels valued and supported every step of the way.

But what truly sets North Alabama House Buyer apart is their deep-rooted commitment to the communities they serve. As a local company with strong ties to Huntsville and beyond, they understand the unique needs and challenges faced by homeowners in the region. By providing a reliable avenue for selling homes quickly and without hassle, North Alabama House Buyer not only empowers individuals to make informed decisions about their properties but also contributes to the overall prosperity and vitality of the community.

In essence, North Alabama House Buyer isn't just in the business of buying houses – they're in the business of transforming lives. Whether you're facing foreclosure, relocating for work, or simply seeking a fresh start, North Alabama House Buyer stands ready to assist you on your journey. With their unwavering commitment to fairness, efficiency, and customer satisfaction, they have rightfully earned their status as Alabama's premier "we buy houses" company.

So, if you find yourself in need of a quick and hassle-free solution to selling your home in Huntsville or anywhere else in Alabama, look no further than North Alabama House Buyer. Give them a call today, and discover firsthand why countless homeowners trust them to turn their property-selling dreams into reality. With North Alabama House Buyer by your side, the possibilities are endless, and the path to a brighter future begins right at your doorstep.

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