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mirealestate21 · 2 years ago
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ismaelreyreyes · 2 years ago
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Asset Management vs Property Management: Understanding the Key Differences
Asset Management vs Property Management: Understanding the Key Differences
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theredtours · 7 months ago
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MASSIVE TAYLOR SWIFT CD SALE! INCLUDES NEW ITEMS
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Hello, and happy holidays! I'm Chloe, a big Swiftie, and even bigger CD collector. I've been collecting for the better part of thirteen (!!) years now, and in that time, have managed to end up with a... few... duplicates in my hoard. It's time that those repeats go to new Swiftie homes, where they will hopefully bring as much joy to you as they once did to me, and what better time than right before the holidays? So before I post everything (which will be under the cut) I just kind of want to give an overview of how this will work. A sort of FAQ, if you will.
1. To claim an item, you will need to message me. And yes, I do mean mean "message," not "ask." This way ensures not only that Tumblr won't eat your request, as it loves to eat inbox mail, but also so that I can then have a conversation with you about where to send the item(s). 2. I will only accept Venmo/PayPal as forms of payment. Venmo is the preferred method, because they don't charge any sort of fees, but I am aware that Venmo is not available internationally, and PayPal is the safest alternative. Shipping for one single item across the US is about $5, so that's all I'll ask for it. 3. I will ship internationally, but you must prepare for delayed delivery. Since it is the holiday season, I cannot guarantee that anything sent overseas will arrive before Christmas. Please keep this in mind before ordering. Furthermore, in this case, I will ask for the cost of postage in a second payment, and then will provide you with a tracking number in return. 4. If you are buying more than one item, I will combine shipping. Because I cannot possibly guess the cost of shipping for multiple items, I will send a second invoice for the cost of shipping, along with a tracking number for your package. 5. No returns/refunds are allowed. All sales are final, as the whole idea behind this is for me to lighten the load. I have multiple pictures of each item (most of which will not be posted here to avoid making this post even longer), and will send them your way upon request.
Items will be marked as SOLD as they are purchased, so make sure you are checking the post on my blog and not just via reblogs before inquiring! All purchases will be mailed out within three business days of receiving payment. I will also message you to let you know exactly when they go out!
Thank you for taking the time to read this; merry Swiftmas!!
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ITEMS FOR SALE
Taylor Swift (Promo Version) SOLD
Beautiful Eyes EP (Walmart Exclusive) SOLD
Fearless Platinum Edition (Target Exclusive) - $25 - TWO AVAILABLE This version of the album comes with additional DVD content--specifically, it's two of the songs she performed at Clear Channel Stripped! The case has some minor cracks and the "sticker" is just a reprint for identification purposes, but both discs and all inserts are in really good condition! The second copy is basically identical, but I can send pictures if you're interested in seeing it specifically.
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Speak Now (Starbucks Exclusive) - $30 Nothing on the CD is different from other US versions of this album, but this one, sold exclusively at Starbucks back in the day, comes with a fancy "O-ring" slipcover! Not many were made, so it's considered to be on the rarer side.
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Speak Now (Walmart Exclusive) - $15 This version was sold exclusively to Walmart and contained a cute little coupon for Covergirl products! Unfortunately, this copy did not come with the insert, which is why I'm selling it off. The only notable differences between it and any other standard copy of Speak Now are the catalogue number and UPC. All the songs are the same.
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Red SOLD
Red (Starbucks Exclusive) - $30 This Starbucks exclusive "digipak" version of Red folds in the middle, much like a vinyl record! It does have a small fold in the cover (see the first photo), but the CD and booklet are in perfect condition. This copy was sent to me with the second disc from the Target version of Red, so it will also be included with this purchase. You're basically getting the deluxe version in a cool, rare case haha. :)
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Red (Costco Exclusive) - $30 Yes, there are a few minor case cracks on the front side (thanks, kitties), but the album is still sealed and comes with its insert! What sets this rare version aside from its peers is the hype sticker on the front, and the inclusion of a flyer that, while no longer valid, once allowed you to download 3 additional Taylor Swift songs for free!
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Red (Deluxe Edition) (Target Exclusive) SOLD folklore: "meet me behind the mall" edition - $15 This version was sold exclusively on Taylor's website! Though it's no different than the one you can get at Target content-wise, it does have a different catalogue number and UPC, so if you're into that sort of thing, this is a steal. Plus, it's brand new!
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folklore: "in the weeds" edition - $20 I'm only charging a little extra for this one for two reasons. One, it is a little more sought-after, so if it doesn't sell here, it's going to eBay. Two, it's the EU version (which means nothing content-wise, just catalogue number and UPC-wise), so it cost a little more to get it to me. This one also was a website exclusive, and it's sealed!
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TTPD: Down Bad (Acoustic Version) - $10 Back in June, this was one of two versions of TTPD posted exclusively to Taylor's website. My post office lost my order, so I ended up contacting the store to get a new one sent out. Months later, the package mysteriously arrives! Here's your chance to own that surprise CD!
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TTPD: Guilty as Sin? (Acoustic Version) - $10 This CD was also part of the lost package! It too likely has mysterious teleportation powers*, and for the fine price of ten bucks, could also magically show up at your house soon! *This statement has not been proven as fact by the author.
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TTPD: The Manuscript (Collector's Edition) - $30 This one was sent to me by mistake when ordering another item from the webstore. They let me keep it, but I don't need it. Again, their loss is your gain! It's also sealed!
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More to come in the following days as I downsize, but this is a good place to start, yeah? Please reblog so this reaches as many genuine Swifties as possible! Thank you in advance!!
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klbmsw · 3 months ago
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July 1987, Moscow, USSR.
41-year-old Donald Trump arrives in Moscow with his wife, Czech model Ivana Zelnichkova, at the invitation of the Soviet Ambassador to the
United States (!!! ) Yuri Dubinina. The invitation was approved by the politburo of the ck kprs.
Trump, who is in a financial crisis - his assets are plummeting rapidly and the debt is rising - reflects on his condition in a famous joke:
-- "See that beggar in the hat on 5th Avenue?" "- he tells his companion, who just gave a diamond necklace.
"That man is 1.5 billion dollars richer than me! "
"But he's got nothing!" "
"He has nothing, but I have 1.5 billion in debt!" "
Returning from Moscow, bankrupt Trump unexpectedly receives a loan from a consortium of 16 banks and buys a Plaza Hotel in New York. Soon, it will get another loan from a consortium of 22 banks to buy Eastern Air Lines Shuttle (renamed Trump Shuttle).
What happened in Moscow in 1987? Who has been funding Trump?
Financing came from Soviet sources of KGB in the United States - through guarantees of loans, not direct monetary payments. In Moscow-1987, Trump's first political contract took place - he was offered support for a future US presidential campaign, and he agreed.
Volodymyr Kryuchkov, head of the KGB, in a report from the Politburo presented Trump as a suitable American candidate who could become a controlled president of the United States.
Before the trip to Moscow, Trump said he would never run for president, because he prefers the free life of a businessman. But after 1987, he changed his position.
---
1996-1997, Moscow, Russia.
Trump visits Moscow three times, meets with Russian businessmen, trying to build ** Trump Tower Moscow without his own investment, only at the expense of Moscow criminal structures funds.
The agency (FSB) watches over him without putting pressure. It's a relief for Trump, but he also doesn't get money, which leaves him frustrated in Yeltsin's Russia.
---
July 1998, Moscow.
Vladimir Putin becomes the director of the FSB. General Philip Bobkov, a former deputy chairman of the KGB, who oversees foreign intelligence and handled Trump's case, is his adviser.
Bobkov passes Putin a compromise on Trump. Trump gets a "message": the FSB returned control and remembers about it.
---
November 2013, Moscow.
After the 2008 financial crisis, Trump returns to Moscow as a bankruptcy, holding the Miss Universe contest in Crocus City.
Event organizer Araz Agalarov pays Trump $14 million and gives unlimited access to young contestants. The FSB films all the events in high resolution, including moments with underage girls posing as contestants.
Putin's agents remind Trump of his 1987 "obligation" promising funding and intelligence support for his presidential campaign.
---
2016 is trump's victory
Putin's propagandists are celebrating:
“America is ours!” "
---
July 16, 2018, Helsinki, Finland.
Trump's closed-door meeting with Putin. Only their translator is an FSB agent.
Putin shows Trump records of his meetings in Crocus City. Trump comes off as a loser and tells reporters:
"... I don't trust my intelligence agencies... i trust Vladimir Putin... "
---
January 6, 2020, Washington DC.
Trump is losing the election. Putin's agents are sending him a "message" - not to concede defeat, to lift up his supporters and attack the US Congress.
Trump urges supporters to storm Capitol.
---
March 22, 2024 Moscow.
Putin burns Crocus City - a kind of Trump signal.
---
Bottom line:
Trump is all in:
1. Many-year cooperation with Soviet and Russian intelligence services.
2. Funding from an enemy state.
3. Compromise in the form of video recordings.
4. Direct communication with terrorist attacks organized by Putin.
Putin has made Trump his "pocket president".
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ink-flavored · 1 year ago
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Writing Share Tag
tagged by @noblebs, thank you!
The last thing I wrote before I went on vacation was an outline for one of my anthologies.... so I'll share part of that!
Gargoyle Adoption The carver is a middle-aged dwarf woman, with her beard braided back into her hair so it doesn’t interfere with her work. The adoption center looks like an eclectic curiosity shop or antique store, since all the “animals” are basically just living statues. All the gargoyles are loose around the store, but they don’t move until people get near them. The door is big enough for the biggest creatures with several smaller-sized doors within it. Begins with the dwarf carving a gargoyle that will go up for adoption in the shop; their personal pet gargoyle is bugging them—it’s noticeably decorated with gems and engravings. She waves it away, telling it to go eat its food that she set out for it Is forced to stop carving when a customer/potential adopter comes into the store (rings the bell at the counter?). The customer is a very serious-looking elf in fancy elf clothes. Can’t decide on gender. Dwarf asks what she can do for them. They ask if she’s open for Specially Commissioned Gargoyles. She says she is, but that her work doesn’t come cheap. They say no problem, I’m good for it. Elf produces a lovingly detailed sketch of the commission they want. It’s very complex, they’ve obviously thought a ton about this design. The dwarf looks over it, impressed, but not without misgivings. She compliments the drawing, but reminds the elf that a gargoyle is a living creature, as unpredictable as any animal. It may appear as though she can mold it to act however she wants, but the gargoyle has its own personality and preferences. If the gargoyle she carves doesn’t bond with them, she can’t help. She’ll refund the price of the adoption fee, but the commission money itself won’t be returned. The elf hesitates, but ultimately agrees to those terms. Payment is exchanged, the elf leaves, and the dwarf sets aside her first project to get started on the commission. Her office/workspace is a complete mess except for the spot where she carves the gargoyles. She has a specially organized set of tools, magnifying mirrors, magical and mundane light sources, etc. It’s very professional She starts with a solid block of the magical stone that all gargoyles are made of, chipping away at it once piece at a time. Her pet gargoyle hangs around. The more she carves the elf’s design, the more it seems like a kid’s drawing iterated upon by adult perspective, trying to make realistic something imagined from youth. This gargoyle design must be a childhood dream pet they’ve been aching to make a reality She can’t help but hope it likes them, even though she knows there’s no guarantee. Thinks about some of the gargoyle commissions she’s done where it hasn’t worked out. Starts talking to the in-progress gargoyle as she carves, which is something she normally does, but this time it’s more directly about how great it is to be someone’s companion animal. About all the things she and her gargoyle do. Her gargoyle lands on the desk and agrees (it can't speak but you know. animal sounds) with how great it is. She hopes this is enough to convince the magic in the stone to agree.
What happens next!!! A thrilling cliff hanger only to be answered whenever I write this thing for real!
Tagging: @foxys-fantasy-tales @noblebs @ceph-the-ghost-writer @auntdarth @damageinkorporated @srjacksin @void-botanist @vacantgodling @duelistkingdom and anyone else who wants to share something!
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mariacallous · 26 days ago
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Imagine, for a moment, that your most clandestine internet searches—anxiety-riddled deep dives on WebMD, Google queries wondering if your cat is trying to kill you, or why farts smell the way they do—were the key to finding a soulmate. Would you sign up for a dating site that guaranteed connection in return for your browser history?
For more than a decade, developers have tried to perfect the science of compatibility. Tinder promised infinite swipes. Bumble let women make the first move. Feeld championed polyamory. Grindr was a gay utopia (until it became overrun with ads). Lex was entirely text based. And Pure, an anonymous dating app, was all about shameless hookups. Now as AI reimagines the landscape of Big Dating, one platform is offering a solution no one asked for: matching singles based on their browser histories.
While the idea sounds antithetical to an era where dating and social media profiles writ large are perfectly curated, that’s exactly the point, according to Browser Dating artist and developer Dries Depoorter, who is known for creating digital projects with an eye for mischief that blur the line between reality and farce. (He insists the dating site is 100 percent legit.)
“There’s honesty in that,” Depoorter, who is based in Ghent, Belgium, says of the concept.
Despite their flaws, dating sites and apps also remain the best place to meet future partners (if you’re young and horny they are mostly unavoidable). According to Pew Research, 42 percent of US adults say online dating made finding a partner easier.
But online dating today has become more about the illusion of potential rather than the reality of who someone actually is. The attraction of discovery—believing our private curiosities make for a better portrait of who people actually are—appealed to Depoorter. He thinks Browser Dating can be a genuine alternative to finding genuine love.
As opposed to Hinge or Raya, where users craft their profiles with expertly angled-photos and facts cherry-picked to make themselves seem as witty and interesting as possible, on Browser Dating, there is no hiding the real you. “Instead of choosing the best pictures or best things about yourself, this will show a side of you that you’d never pick. You’re not able to choose from your search history—you have to upload all of it.”
Though, for now at least, users of Browser Dating have a small pool to choose from—less than 1,000 users have signed up since its launch last week. Users are first required to download a Chrome or Firefox extension, which they use to export their recent browser history and then upload to the site. Profiles feature the usual bare outline of a person: age, location, gender, and sexual preference. A browsing personality profile is also generated for each user, offering insight into how they navigate the internet. Matches are not limited by location, though Depoorter says there is an option to restrict search by state or country, if they so choose. Once matched, you won’t see the other person’s search history, only a summary of “fun facts” about shared interests—perhaps pointing out your bizarre Wikipedia obsession with the “dancing plague” or the time of day you’re most active online—which is meant to accentuate the harmonies of your online behaviors.
Unlike most dating apps, which charge monthly or annual fees for their paid tiers, there is only a one-time payment of €9 to sign up granting users unlimited matches; a free option limits users to five matches. Depoorter says he doesn’t want to exploit users by having them pay on a recurring basis. When I suggest that that kind of pay model is mostly unheard of today, he pushes back. “I’m an artist, I like to do things differently.”
Early reviews and reactions have been mixed. “Super weird,” one app developer noted on X.
“This is the wildest idea,” said another user on Product Hunt. “I love the audacity.”
“Good to see the privacy focus from the start given how sensitive some of this data might be,” a programmer posted on Bluesky.
The biggest concern for users—justifiably so—is around privacy and user safety, and given the amount of personal data the Depoorter is asking people to fork over, those issues are also on his mind. The site scans up to 5,000 recent browser searches or goes back as far as search history is stored, which could be several years, but never exceeds the maximum number of entries. (Browsing data from Incognito mode sessions cannot be uploaded). Depoorter uses Firebase, Google’s open-source tool for developing AI apps, to store and manage data.
“It’s not exposed to the internet.” Depoorter says of the AI processing, which he says happens locally. “I don’t want to expose any browser history to another company.”
Already there have been complaints of lagging email verification and the site not allowing users to delete their profile; Depoorter says he has since fixed these issues. Browser Dating doesn’t currently allow for the uploading of photos, but he is working to change that, and says he plans to implement more features in the coming months, including an app for easier communication between connections and a recommendation feature that suggest possible first date locations.
The idea originally came to Depoorter in 2016 at V2, an experimental art and tech center in Rotterdam. He was hosting a workshop that explored unique connections between attendees who were familiar with his work and who agreed to share a year’s worth of their search history.
The nature of Depoorter’s art as a digital provocateur has sought to interrogate the subtext of hidden connections, taking a “critical and humorous” approach to some of the most urgent questions of his generation. Surveillance, AI, machine learning, and social media are recurring themes across his explorations. “Difficult subjects,” he says when we speak over Zoom. “But there is no big message. I want to leave that open. If anything, I want to show what is possible with technology in a playful way.”
In 2018, in a series titled “Jaywalking,” he turned live surveillance feeds into video art, forcing viewers to confront the use of public data as a means of privacy invasion. He followed that with Die With Me, a chatroom app that could only be accessed when your phone had less than 5 percent battery life; though Depoorter is quick to reject definitive interpretations of his art, it read as a comment on the value of time and the importance of how to use it when we know it’s running short. For those who can look beyond the shock of Browser Dating’s initial conceit, the question is also an urgent one: What if the curiosities we try so hard to conceal are actually the things that can bring us together?
Depoorter, 34, doesn’t claim to be any kind of dating guru. “I’m not a specialist,” he tells me. He surfed Tinder in the app’s early days but has been with his partner for 10 years. He promises that despite his work as an artist, the site is not a gimmick, and he wants to continue to scale. Already people have suggested that it might work better for matching potential friends rather than romantic partners. Depoorter anticipates there will be hurdles but doesn’t sugarcoat them; he is aware of just how difficult it may be to onboard users hesitant to share their personal anxieties and desires.
“Either people are fans of the idea or they are not,” he says. “There is no convincing them.”
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cepheustarot · 2 years ago
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What advice do you need to hear right now?
Attention! This reading is for entertainment purposes only. You make your own decisions and are responsible for them yourself, so it's up to you to listen to advice or not.
Choose one or more cards. Trust your intuition.
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Card 1: Invention: Burning with passion Although the card said about passion for work or your projects, i added other cards and created next situation: here we are talking about workaholic, who work very hard, they are completely immersed in process, they are giving their forces and energy for complete tasks on the work. And they can neglect their own rest and free time, deny themselves pleasure. If you continue to work hard then everything will end in burnout and lack of strength. The cards advise you to reconsider your work schedule and your strength it is important to relax and spend time for your own pleasure, for example, alone with yourself or with people who charge you with energy. It is important to let yourself relax and not think about projects, work, but devote time to yourself and your rest. It is also very important to be able to delegate your work to others; here I see people who prefer to do everything on their own, but in this case it is very important to be able to share responsibilities, not to be stubborn, but to ask for help from others. As a result, this will save you, if not from all the burdens, then from most of them and you will be able to continue working at your usual pace.
Card 2: Knowledge Here we are talking about people who are in a difficult situation and do not know how to act, how to resolve it because of many thoughts in your head, you get confused and do not know what to do. Maybe you asked for advice another people but it is useless because they see the situation based on their views and their experience, and you have a completely different position and also a different experience. In this situation very important not to rely on the opinion of other people, but it is important to listen to yourself, determine the pros and cons, look at the situation from an objective point of view. Most importantly, in no case should you act to your own detriment, since in the future not very good consequences can be expected. Always choose yourself, put yourself and your interests first and this will save you from problems in the future.
Card 3: Challenge: Standing up for your rights. First of all, I would like to note that you are on the right track and you do not need to doubt it. Maybe you are facing difficulties and think that everything you are doing is a waste of time and effort, but! You should get out the thoughts and continue to move on, defend your position, fight for your goals, dreams, plans and then they will definitely come true and happy moments will appear in your life, you will feel stability, people will reach out to you offer their help or vice versa ask you for help (naturally not for free, in return, you will receive payment, whether it is money, guaranteed help from a person in the future or anything else). So be confident in yourself and in your path.
Thank you for reading! I will be glad of any feedback <3
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sothasil · 10 months ago
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Sorry if this is super obvious, but are you still doing portrait commissions for charity? If so, can you link your PayPal?
Hello! I am currently busy with a bunch of em' actually :)
I am currently working on five, and have gotten more requests in the meantime. I will try to do as much as I can, and am slowly messaging the latest requests to warn them about the potential wait times. If it becomes at some point undoable for me, I will make a post to signal a hiatus or end of the commissions.
I am not comfortable publicly linking my paypal, but will send invoices in private chats with my clients. My usual commission process is as follows:
I chat with the client until they give me enough details I need for the illustration. This is where I give the price gauge for the commission.
I send a first sketch for approval, covering things like composition, pose, sometimes colors depending on the process.
Once approved by the client, I start working. I notify them when I am done and ask for the money. I do not accept money until I am finished with the piece, but I do not show the piece until I have been paid.
Once paid, I show the final piece, tweak things if need be (if the tweaks are significant and require me redoing some parts entirely, I can ask for more upfront) and send the client the full resolution files via their preferred method, usually email.
The charity commissions make this a bit difficult for cases like yours, as I encourage people to directly donate to the campaigns I am helping to avoid losing money to transfer fees. I usually do not accept upfront payment, but in this case I am not sure how to proceed - saying "donate upfront please!" goes against the personal guidelines I use for private commissions, which I set up based on how I work and client/artist trust, but would be much better for the families, as they need the money as fast as possible to survive. I encourage giving them money if you can, regardless. These are innocent people trying to escape a deadly situation.
It's a bit of a tricky situation - I want people to donate immediatly, but currently cannot guarantee being able to draw for you in return due to the amount of work I am already on, especially not as fast as usual.
If you would like a portrait and to pay via paypal, you will have to wait a little for me to complete my current commissions until I can take yours, with a slim chance I will unfortunately not be able to work with you.
I understand if this is a setback, as it boils down to not being able to fullfill the paid service I'm advertising. I will work so I do not leave behind anyone who's commission I have already accepted, and will not take money until I know I can complete the associated commission as to not pay anyone pay for nothing.
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fincrif · 4 months ago
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How to Plan a Bullet Repayment Strategy for Your Loan?
A personal loan is one of the most convenient financial tools for managing urgent expenses, be it medical emergencies, business needs, or home renovations. While most personal loans follow an Equated Monthly Installment (EMI) structure, some borrowers opt for a bullet repayment strategy—a method where the principal amount is paid in a lump sum at the end of the loan tenure while interest payments are made periodically.
A bullet repayment strategy requires careful financial planning to ensure timely loan closure without financial strain. In this guide, we will explore how to plan a bullet repayment strategy for your loan, its advantages and disadvantages, and tips to manage repayments effectively.
1. What Is Bullet Repayment?
Bullet repayment is a loan repayment structure where the borrower pays only interest during the loan tenure and clears the principal amount in one lump sum at the end.
✅ Example of Bullet Repayment:
Loan Amount: ₹5,00,000
Interest Rate: 10% per annum
Loan Tenure: 5 years
Monthly Payment: Interest-only payments
Final Payment: ₹5,00,000 (Principal) in the last installment
📌 Tip: Bullet repayment is commonly used in business loans, bridge loans, and investment-backed loans but can also be applied to personal loans with specific lender approvals.
2. When Should You Choose Bullet Repayment?
A bullet repayment strategy is suitable in the following situations:
✔️ If You Expect a Large Future Cash Inflow – Ideal for borrowers expecting bonuses, property sales, or business profits at the end of the loan tenure. ✔️ If You Want Lower Monthly Outflows – Since only interest is paid monthly, it reduces immediate financial burden. ✔️ If Your Investment Returns Are Higher Than Loan Interest – Investors who earn higher returns from stocks or real estate may prefer bullet repayment to maximize gains. ✔️ For Short-Term Personal Loans – Best suited for short-term loans where the lump sum repayment is manageable.
📌 Tip: Consider bullet repayment only if you have a clear repayment plan at the end of the loan tenure.
3. How to Plan a Bullet Repayment Strategy?
A bullet repayment strategy requires disciplined financial planning to avoid repayment stress at the end of the loan term. Follow these steps to plan effectively:
A. Assess Your Financial Situation
Before opting for bullet repayment, evaluate your income sources, expenses, and financial stability.
✅ Key Considerations:
Do you have a reliable source of income to fund the final lump sum payment?
Are you expecting a bonus, investment maturity, or business revenue?
Will the bullet repayment affect your cash flow or financial security?
📌 Tip: If your future income is uncertain, reconsider opting for a bullet repayment loan.
B. Open a Dedicated Savings or Investment Fund
Since the entire loan principal is due at the end, create a separate savings account or investment fund for gradual accumulation.
✅ Investment Options:
Recurring Deposits (RDs): Monthly deposits with fixed returns.
Fixed Deposits (FDs): Safe investment with guaranteed interest.
Mutual Funds or SIPs: If you have a longer tenure, consider moderate-risk investments for better returns.
📌 Tip: Automate monthly transfers to this account to avoid missing contributions.
C. Set Up a Monthly Contribution Plan
Instead of relying on a one-time large payment, break it into smaller, manageable contributions over the loan tenure.
✅ Example:
Loan Amount: ₹5,00,000
Tenure: 5 Years
Required Monthly Savings: ₹8,334 (₹5,00,000 ÷ 60 months)
📌 Tip: Use a personal loan bullet repayment calculator to determine how much you need to save monthly.
D. Track Interest Payments Diligently
Even though you are not repaying the principal each month, you still need to pay interest regularly.
✅ Ways to Track Payments:
Set up automatic debit for interest payments.
Keep a buffer fund to avoid missing any payments.
Review loan statements periodically to ensure correct calculations.
📌 Tip: Missing interest payments may lead to penalties and negatively impact your credit score.
E. Consider Partial Prepayments
If you have surplus income, consider making partial prepayments towards the principal amount. This will reduce the burden of the final payment.
✅ Advantages of Partial Prepayments:
Lowers total interest cost.
Reduces the final bullet payment amount.
Helps close the loan faster.
📌 Tip: Check if your lender allows penalty-free prepayments before opting for bullet repayment.
4. Pros and Cons of Bullet Repayment Strategy
Pros:
✅ Lower Monthly Financial Burden – No high EMI payments, making it ideal for those with fluctuating income. ✅ Ideal for Business Owners and Investors – Helps free up funds for investments that yield higher returns. ✅ Flexibility in Repayment – Provides time to arrange for a lump sum payment without immediate pressure.
Cons:
🚫 Higher Interest Outgo – Since principal is unpaid for the entire tenure, total interest paid may be higher. 🚫 Requires Strict Financial Discipline – Failing to plan properly can lead to repayment difficulties. 🚫 Not Suitable for Everyone – Risky for salaried employees without additional income sources.
📌 Tip: Evaluate if the total cost of bullet repayment aligns with your financial goals before choosing this strategy.
5. Alternative Repayment Strategies
If bullet repayment doesn’t suit your financial needs, consider these alternatives:
✅ Step-Up EMI Plan: Start with lower EMIs and gradually increase payments as income grows. ✅ Flexible EMI Plan: Some lenders offer seasonal EMIs, ideal for businesses with fluctuating revenue. ✅ Loan Balance Transfer: If interest rates are high, switch to a lender offering better terms.
📌 Tip: Choose a repayment strategy that balances affordability and long-term financial health.
Final Thoughts
A bullet repayment strategy for a personal loan can be a great financial tool if managed properly. It provides flexibility in monthly payments, but requires strong financial planning to ensure smooth closure of the loan.
Before opting for bullet repayment, evaluate your income stability, savings capacity, and financial discipline. If you have a reliable source of future funds, this method can help manage cash flow efficiently.
For expert guidance on personal loan repayment strategies, visit www.fincrif.com today!
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iviarellereads · 2 years ago
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Artificial Condition, Chapter 1
(Curious what I'm doing here? Read this post! For the link index and a primer on The Murderbot Diaries, read this one! Like what you see? Send me a Ko-Fi.)
In which we catch up with our pal.
SecUnits don't care about the news.
Murderbot never paid much attention to it, even after hacking its governor module. Entertainment is less likely to ping alarms, while news is carried on channels closer to protected data.(1) And, of course, news is boring and it never cared.
Now, as it crosses a station, it skims a newsburst while mostly just trying to get through the crowd without attracting attention. Fortunately, the humans of all sorts are too busy with their own journeys to pay it any mind. It has worried a little about security drones scanning for SecUnit specs, since they're all identical, but they shouldn't unless instructed to do so specifically, and nothing's pinged MB yet.
MB is very pleased with how well it's navigated so far.
Then, in the newsfeed, it sees… itself.
It stops near a food court, so people will think it's deciding where to eat, and pays more attention to the news. The image it saw was from the lobby with Pin-Lee's comment to the reporters, and credits MB simply as "bodyguard". The story mentions Mensah buying the SecUnit who saved her(2), as a human interest note to soften the grisly details of the body count. But, the journalists are only used to seeing SecUnits in their assigned roles, and usually in armour, so they haven't yet connected the new augmented human in the Preservation team. Which is good, because it increases MB's confidence in going undetected as itself.
The rest of the story covers how the company, DeltFall, Preservation, and three other political entities are joining forces against DeltFall, even as they fight each other over bond guarantees and jurisdiction.
Still, the newsburst is days old, and now MB wonders if the official news channels will have anything more recent. But, the higher priority is keeping moving.
On that note, MB keeps moving toward the transit ring. It can't use the typical facilities to purchase passage, as weapons scans will reveal it immediately unless it hacks the scanners, and it has no currency so it would have to hack the payment machines as well, and that's just too much work.(3)
So, MB catches a bot transport to the bot-driven transport section of the ring, and downloads some new media, and thinks about why it left Mensah and what it might want out of its life and freedom. Though, before it can have any of that, it needs to answer one very important question, and to do that, it needs to go to a specific place, with only two bot-driven transports leaving in the next cycle. The one leaving later is the better option, as it gives MB more time to talk the bot around.
I could hack a transport if I tried, but I really preferred not to. Spending that much time with something that didn’t want you there, or that you had hacked to make it think it wanted you there, just seemed creepy.(4)
On the way to the cargo transport, it does have to hack an ID-screener and some weapon-scanning drones, as well as a bot guard, but it just deletes any record of its existence, which is downright easy compared to what it usually has to do to work with company equipment.
The first dock it tries, with the bot transport leaving later, has a bunch of humans there dealing with an accident. Reluctantly, because it shouldn't be here in the first place, it goes to the other bot transport. The newsburst has it rattled, and it wants to escape into its media ASAP.
The other transport is a long-range research vessel, currently assigned to an uncrewed cargo run that will stop at the place MB needs. It's owned by a university in this system, and the cargo runs pay for its upkeep between assignments. MB would really like the twenty-one gloriously isolated cycles between here and its destination.(5)
MB finds the research transport, and pings it, receiving a return ping almost immediately. It gives the same offer it gave the first transport: all its media, serials, books, music, and some new shows it picked up on this station, in trade for a ride where it's going.(6) It offers the same explanation for its presence, as well: a free bot making its way back to its human guardian.
There was a pause, then the research transport sent an acceptance and opened the lock for me.
=====
(1) I find this a little suspect, as far as explanations or worldbuilding choices go. I'm not an expert in any sort of communications methods, but I don't feel like this tracks with what I do know about broadcasts or feeds generally or how they'd logically be laid out if they did work this way. (2) That feels like a romance novel title. Technically, it's almost exactly a romance novella title: The A.I. Who Loved Me, book 1 in Alyssa Cole's The Hive series. (Book 2 has no info yet, but book 1 was really cute, I thought. In case anyone wondered.) (3) MB being relatable again. Why do all that work just to look respectable, when you can sneak around and get your real work done in peace? (4) Gotta agree. Even if they can't retaliate against you, either of those just sounds… awkward, at best. (5) Is it just me, or does that sound like the sort of phrase that would not come true when stated in chapter 1 of a book? (6) I could question why a bot transport couldn't download its own entertainment from the feed, but MB's explanation of the feeds possibly raising alarms about bot access have already more or less answered it. As a part-human construct, it probably has access that can look less suspicious.
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financemaster1 · 1 year ago
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whisperedwisdomshub · 2 years ago
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checkoutextensionspro · 19 hours ago
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How Checkout Extensions Pro Delivers a Seamless, High-Converting Experience?
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Your online store’s success hinges on many factors — quality products, engaging marketing, fast-loading pages — but when it comes down to sealing the deal, nothing matters more than your checkout process. The checkout is where browsing turns into buying. If it’s confusing, lengthy, or uninspiring, your customers may leave before ever clicking “Complete Purchase.”
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kunalverma0 · 21 hours ago
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Finding the Right Cricket Store: A Complete Guide for Every Player
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crickbook1 · 21 hours ago
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A Trusted Destination for Online Gaming Enthusiasts
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deliriouseyes-blog · 2 days ago
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