#quick finance australia

[getloan]

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[eftcapital01]

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[madfinance16]

Learn the key differences between secured and unsecured car loans, and choose the best option for your financial needs and car purchase.

[melanieph321]

Ruben Dias x Reader - Summer Fling Part 7/10

Part 8 and Part 9 are out on my Patreon for free!

Summary - Reader has landed a research job at a marine biology lab in Portugal. She is, therefore, staying with her sister and her sister's Portuguese boyfriend for the summer holidays. There she meets Ruben Dias who is on vacation with his friends after the 2024 Euros. However, the two meet under the circumstances in which Ruben believes that Reader is a prostitute.

Enjoy ☀️

Your sister had always been a wild child in her own way. Her view of life was naive but at the sametime she was well aware of what she wanted out of it. By that time the boys in secondary school were no longer up to her standards, Maki did what any girl would do, she went on to explore the likes of older men five, even ten years older than herself. This is where her needs were met, knowing the great lengths many of those men would go to please her, to keep her happy as she kept them happy. When you first heard of the likes of Diogo, this had been your initial thought. Your sister had found another pathetic male to finance her adventures abroad. Someone she could rely on for housing in exchange for partnership. Back then your sister was already drawing a thin line between a mutual relationship and prostitution. But you never thought she'd cross that line. Let alone, drag you across it with her. It was an unforgivable betrayal. One that made you sick to your stomach just thinking about it.

"Y/N?"

You flinched. Surprised by Gavin who approached your desk. However, his smile faltered seeing your tired face. "My God Y/N, have you been here all night?"

You nodded. "I thought I'd run some samples from the corals that were brought in yesterday."

"But all night?" His head shifted around  the empty lab. "Y/N, I know I ask a lot of you as a marine ecology major, but lack of sleep is never recommended, not even by me."

Your lips trembled, tears welling up in your eyes.

"Hey, hey, hey. What's wrong?" Gavin rushed to your side, pulling you in for a hug. Your arms wrapped around his waist, really needing that hug.

"Sorry." You said, after a few minutes of sobbing.

"Sssh." He hushed, pressing your body against his, a hand stroking your hair. "We all have our moments in life. It's okay to let your emotions show."

It was a bit overwhelming, these past seventy-two hours. Trying to do a good job at work was more wishful thinking if anything.

"Come on sweetheart, I'll take you home." Gavin drove you all the way to your apartment building, parking his car outside. "You know my offer still stands." He said, draping an arm around the passenger seat. "I'd love to take you diving off the coast. It might help you take your mind off things."

"Thanks Gavin, really. You wiped the last of your tears. "I just have a lot to deal with right now. Family matters."

"I get it. Family matters can be tricky. I haven't been back to Australia in years, God knows I can't stand my family."

"Really, why?" It's not like you couldn't stand your sister. It could never go that far. However, what she did wasn't easily forgiven.

"You know how it is." He waved dismissively. "It's complicated."

"It always is." You nodded.

Silence fell in the car.

Gavin's eyes searched your face, your lips to be exact. He leaned in to kiss you. But you were quick to pull back.

"Gavin I—"

"What?" He chuckled, his blue eyes sparkling in the sun. "It's not like I'm your professor." He leaned in once more, parting his lips. You pushed him away, your free hand unlocking the car door. "I'm sorry Gavin, I can't do this."

You left his car and rushed back to your apartment, where your sister stood in the kitchen flipping pancakes.

"Y/N, you're back early!"

Her joy disgusted you.

"Here, have some pancakes." She said, making you a plate.

"No thanks, I'm not hungry."

"What do you mean?" She stopped you from walking past her and into your room. "I thought you loved my pancakes?"

"Not any more." You bumped her shoulder, knocking over the plate in her hand.

"Look what you did, you idiot!"

"I guess we're even then."

She looked up from where she had crouched down on the floor, watching you eye her with such distaste. "What the hell is wrong with you? Why would you even say that?" She stood, now eye level with you. 

"I don't know Maki, perhaps because you haven't had the guts to tell mom and dad that you're a whore."

"Excuse me?"

Your heart pounded in your chest, fueling your anger. "Was it even necessary for you to waste their money on a psychology degree if all you were going to do with it was to shove it up some rich soccer player's ass?"

"Y/N, what the hell are you talking about?"

"You sold me." You emphasized, tears welling up in your eyes again. "You let your boyfriend sell my body for money."

"Y/N, I…" Your sister seemed lost for words, not expecting such an ambush, especially not from you. "I swear I didn't…"

"It doesn't matter." You snorted. "What else could I have expected from you?" You made your way past her, into your bedroom where your suitcase already lay on the floor since last night. There was only one thing stopping you from taking the next flight home. However with Gavin's recent advances you saw no point in staying for the sake of a job.

"I fucked up, okay!"

You stayed hunched over your suitcase, not bothering to give your sister the time of day. However, you could hear it in the thickness of her voice, she was crying. "I made a mistake, okay. But you have to understan—"

"Please get the fuck out of my room"

"W…what?"

You stood, contemplating pushing her out if it came to it. "Get. The fuck. Out." 

Your sister had never looked more pathetic, trembling her lips like some lost school girl. No wonder you mom and dad always held you to a higher standard although you were the youngest of the two of you.

"Do you need me to spell it out for you again?"

"Y/N, why are you doing this?"

"Maki, you literally let a man take advantage of me for money and now Ruben thinks—"

"Ruben?" Your sister frowned. "So all of this is over some guy? Since when have we ever let a guy come between us?"

"I dunno, since when did you start letting guys come in between your legs for money?"

A sigh as she rolled her eyes. "I can't deal with this right now."

"Yes. Run away like the bitch you are!" You followed her back into the kitchen.

"Oh so I'm the bitch?"

"Yes, it's literally what you do for a living."

"Well, sorry that we all can't be perfect little virgins like Y/N the marine biologist."

"Real mature Maki. I see you haven't changed at all since moving out of mom and dads."

She shook her head, regret in her eyes. "I fucked up, alright. I know that. I want to fix this and I can fix this. I just need some time and money so that I can finally get away from him."

"Who, Diogo? We can pack our bags right now and be gone by tomorrow, Maki."

"No, not Diogo. His boss...our boss. He's much worse and doesn't like it when any of the girls come off short. That's why Diogo insisted on bringing you on the boat. We made a lot of money that night, me and you. Money that made sure that my boss wouldn't come after me for quite some time. Believe it or not, but Diogo was just protecting me, he has always protected me. That's why I love him."

"How does this even happen?" You rubbed your temple, a headache coming on. "How did you end up in this world? And if you needed help, why didn't you call mom and dad, or me?"

"You?" She chuckled. "Y/N, all you've ever done is judge me. And I know that you don't believe that I can take care of myself. You've never done so."

"Well, you obviously can't."

She sighed, slumping down on the couch, covering her eyes with her hands. You watched your sister sobb for a minute or two. A sad sight indeed.

"So how much money are we talking about?"

"What?"

You joined her on the couch, draping an arm around her shoulders.

"How much money does it take for you to get out of this…lifestyle?"

She shrugged. "Maybe a hundred thousand euros."

"A hundred thousand— Maki?"

"I know, I know. But you must know, the captain pays for everything. This house, my car, even—"

"The Captain?"

"That's what he wants us to call him. All the girls do it."

There was no way you could recover from extracting such amounts of money from your bank account. Those were money saved up for future research funds. However, there might be another way.

"I think I know where we can get the money."

"You do? From where?"

"From who." You corrected. "But if I do this you have to promise me that we'll hop on the next plane back to Sydney, got it?"

"But Diogo—"

"Promise me Maki." You were not playing around. You'd go great lengths to save your sister, the greatest of lengths. But this time you were forced to go beyond what your heart could take and for that you need her reassurance.

"I promise." She nodded.

"Good, now pack your bags. We're leaving as soon as we've paid your boss that money."

Part 1 Part 2 Part 3 Part 4 Part 5 Part 6

Part 8 and Part 9 are out on my Patreon for free!

[financeeazy]

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[mwananchicreditbest]

Mwananchi Credit Highlights the Importance of Teaching Financial Literacy In Schools

How many times have we read numerous newspaper articles about children who squandered their inheritance money or how they trusted quick “get rich” schemes and was dubbed out of it? Again, how many times have we seen an employee who worked tirelessly for 30+ years and went on retirement, only to splurge away their pension pay-outs and suffer in their old age? Better yet, how many young people currently employed are living from paycheck to paycheck with debts overwhelming them, credit cards here, over-drafts there, revolving loans, the list is endless. The most common reason is that many heirs, pensioners or even the young workforce are simply inexperienced at handling money.

A million dollars can be put to so much good use. However, once it is spent recklessly, it can no longer produce income. Isn’t it amazing that we all completed high school knowing algebra, the scientific table, and the human anatomy, but not how to open a bank account, how to file a tax return, the importance of having funeral covers or even something as simple as budgeting and saving?

The current education system is slow to teach simple money management habits/techniques to children growing up. Most young people will graduate from universities or start new businesses with no financial foundation. As a society we lack basic financial literacy thus teaching financial literacy in schools is critical in passing on general wealth.

Financial attitudes and habits begin to mold at a very young age. It is extremely important to expose children to how to use money wisely and to smart financial decision making. School curriculum can range from budgeting and cash flows so that young people understand the concept of ‘money in, money out’ and how that will impact them in the long term.

Our young people need to know how loans work, how interests are charged on these loans and how it can impact their financial situation over the long run. Notwithstanding the above, the importance of retirement planning the power of putting a little bit of money away today and where that can land you in the future, are all critical. By teaching financial literacy in schools, we can change the narrative from poverty to debt-free lifestyle, from inheritance money being a “curse” to a gift.

Furthermore, we can pass on generational wealth by enabling our young people to make informed decisions. In this digital and social media era, we find that our young people take out a personal loans today just to finance a trip to Paris or California and only to realize that upon their return, they must start repaying this loan with a very high interest rate for four years. Just to take out another loan to offset that and find themselves in a pool of financial difficulty.

I know that many might argue that if you are a high school teenager, you most likely don’t have much money, you don’t have access to credit, you don’t have a job- so is there really any point in teaching such a youngster about savings, investing, taxes or budgeting? However, many of us were taught religious, moral education and life skills in school and that shaped us in many ways for life. We learned basic principles of respect, sharing, caring and discovering our identity. Another subject that was introduced in recent years was entrepreneurship because it uses developing real world skills that will help learners lead exceptional lives in a rapidly changing world by teaching children to think outside the box.

Many western countries have introduced Financial Literacy in their school curriculum examples of these countries are Australia, Canada, Denmark, Finland, Germany, Israel, the Netherlands, Norway and Sweden just to name a few.

Our current school curriculum equips children how to be great doctors and individuals with great business skills. Since the children of today are going to be the leaders of tomorrow, financial literacy will equip them with the skills they will need to become financially literate adults. In the end their future and that of our country Kenya is depending on it.

Mwananchi credit is the leading Microfinance company in Kenya providing log book loans and other secured emergency loans, Mwananchi Credit is at the forefront in championing for financial literacy good finance planning for individuals and SMEs.

Welcome to Mwananchi credit, Investor in people

PLEASE CALL 0709 147 000  SMS:’’LOAN’’ TO 23877 OR DIAL *684#

Article by Gitonga Muriithi, Head of Commercial, Mwananchi Credit

[ladymazzy]

There's a discussion happening about the rights and wrongs of Lineker referring to the Nazis in The Tweet. I do think it's more than fair to point out how fucked up it is that 'the Nazis' are so often brought up as an abstract 'Big Bad' with little to no sense of what actually made them so bad (the genocidal antisemitic, anti-roma, anti-lgbtq, all-round eugenicist white supremacism).

Yet, at the same time it is factually correct that the tory rhetoric surrounding immigrants and asylum seekers is grossly dehumanising and in this way reminiscent of the Nazi's antisemitic propaganda in the 1920s & 30s (even though the targets of that propaganda were citizens rather than would-be immigrants to Germany. Baddiel really needs to pull his fatuous head out of his arse...). And, in the spirit of the Holocaust Remembrance exhortation to 'never forget', it is important to point out when contemporary policies and rhetoric drift towards the kind that existed in Germany in the 1930s - precisely because it is so fucking dangerous

If you don't put the 'never forget' fully into practice, the Holocaust is grave danger of becoming frozen in aspic; divorced from the lived experiences of people today and future generations, as well those directly impacted at the time

That said... it is *also* true that UK (and US) immigration policy at the time was rabidly antisemitic. When German and Austrian Jews were trying seek asylum from the increasing hostility and terror, the UK was quick to say 'you ain't coming here'. The Daily Fail was (as ever) quick to side with Europe's fascists. Doors were actively closed on them by the British.

In the same spirit, pretty much every European colonial-settler state from the Americas to Australia had some kind of explicitly white supremacist immigration policy (eg: White Australia , and South American 'blanqueamiento' polices prohibiting non-European immigration to countries like Brazil and Argentina following the abolition of slavery).

The irony is that the same people criticising Lineker for invoking 1930s Germany in his tweet are by and large the same people who criticise anti-racist historians who seek to decolonise curricula and present a broader, more nuanced understanding of British history. They're the same ones that spend every other day pearl clutching about the so-called 'woke agenda' if someone so much as says 'the Transatlantic Slave Trade was fundamental to British industrialisation as it provided both the raw materials and finances necessary to power it'

If the majority of the British population had a better understanding of British history - its long history of antisemitism, and its pivotal role in creating the antisemitic, white supremacist, eugenicist, imperialist values that informed the Hitler's worldview - they would realise that it's not even necessary to invoke 'the Nazis' when discussing a Big Bad. The call has always been coming from inside the house

The UK was (and is - alongside its children-in-imperialism, the USA, Canada & Australia) a Big Bad for millions around the globe for centuries. From the Transatlantic Slave Trade, to the Opium Wars, Irish Famine and Bengal Famine, Millions have died or been displaced, languages and cultures all but annihilated, people dehumanised, economies battered all in the name of the European white-supremacist capitalist hegemony that is distinctly anglocentric

Sure, there have been many Big Bads throughout history, and the UK's own spectacular track record doesn't absolve any of them. But it's about time that people were able to refer to British policies and colonial activities. I mean, we don't have to look back far given that the Windrush scandal is still in full effect; people who should not have been deported are *currently* dying destitute because of this country's racist immigration policies

The UK is indeed *not* innocent, and, as Sivanandan said; 'we are here because you were there'

[pictvresqve]

┊ ┊ ┊. ➶ ˚ —— look   who’s   joining   the   infinite   tour!   only   edward   "eddie"   song   ,   who   is   a   photographer   .   i’ve   heard   whispers   that   the   25   year   old   is   pretty   outgoing   but   lowkey   perfectionistic.   also,   doesn’t   he   remind   you   of   christopher   bang   ?

hello everyone ! my name is kaddie , 29 , resident of the pst zone , and user of whatever pronouns you like ( she / they usually , but please refer to me however you like ! ). this is not my first rodeo on tumblr, in krp, nor in tumblr krp — but it has been a while, so please don't mind me while i readjust and figure out how to function as a mun in this space !! i am excited to introduce you to my newest creation : mr. eddie song , one of infinite entertainment's lovely photographers ! i anticipate this intro being a work in progress as i delve further into the muse and feel him out , and any updates will be posted for the good people's reference !!

a quick note : i do lightly format my ic posts , which can and often does include bolding , italicizing , colors , special characters , and double / triple spacing. i do not use small text because i find it hard to read , but i do not mind if you use it !! i understand this may not always be accessible to some , so please let me know if these stylizing choices affect you in any way and i will adjust for you !! your comfort and ability to engage in a space that addresses your needs is more important than " aesthetic ".

𓆩⟡𓆪 edward "eddie" song was born in sydney , australia to blue collar korean immigrant parents on the cold winter's day of august 27 , 1997 . he is a virgo sun , gemini moon , and cancer ascendent . though he doesn't put much stock in astrology , he has been told by many people ( re: exes ) that he is a " true virgo man ", which he's still trying to figure out the meaning of.

𓆩⟡𓆪 ever since his youth , eddie was a creative , artistic soul. he has been drawing since he could hold a crayon , and as a child enjoyed creating comics and storybooks to share with his parents and friends. as he got older, his preferred creative outlet shifted a bit to include photography — which he picked up after joining his middle school’s yearbook team. composing the perfect shot quickly became an obsession , and to this day he’s tirelessly committed to capturing the world’s beauty in a single frame .

𓆩⟡𓆪 eddie's parents are decent people who worked hard to give their son what he needed. as a child , he never had to worry about being fed , clothed , or watered — though he did not have many of the cool things his childhood friends and schoolmates did. both adults worked full-time jobs ; his father was a grocery store manager , and his mother waited tables at a nearby korean restaurant. this meant that eddie was enrolled in preschool at a very young age , and throughout the rest of his schooling was placed in after school programs until he was old enough to look after himself.

𓆩⟡𓆪 eddie loves his parents very much , but their insistence on practicality when it came to his future did often lead to a butting of heads. while he craved the sweet release of artistic expression , the exploration of humanity and nature beyond what words and science could describe , his mother and father rather preferred he stick to the more common career paths , like finance , medicine , or engineering. their ambitions for their son were shaped by their own experiences of poverty and struggle — something that , to this day , eddie very much understands but finds difficulty in accepting. all he wants is his parent's support for his passions . he still hasn't quite gotten it yet.

𓆩⟡𓆪 eddie was well-liked in school , and though he was not popular per se , he had plenty of friends and a well-rounded social life. in his adult life , he still keeps in touch with several mates from high school. on top of working with both the yearbook and newspaper associations in high school , he was also on the varsity track team.

𓆩⟡𓆪 against his parents' wishes , eddie did not attend university , and instead made the life-changing decision to move to seoul , south korea once he had graduated from high school. he wanted to pursue his passion for photography away from the scrutiny of his parents. they did not part on the best terms , but have since reconciled after his parents both visited him in korea a few years after he relocated there. today , they are on speaking terms , but due to his busy life , eddie only touches base with them on occasion.

𓆩⟡𓆪 upon moving to korea , eddie worked a series of odd jobs to support himself while he freelanced as a photographer on the side. this mostly included your typical first job selections : waiting tables , working retail & hospitality , and working for a rideshare company.

𓆩⟡𓆪 networking within the local artist community in seoul was paramount to eddie's breakthrough as a professional photographer. after meeting several like-minded artists — a group called the craftsmen — he launched his first gallery display. the theme ? in the eyes of a dreamer — a series of portraits showcasing the smaller , lesser known beauties of the city from the perspective of a man who'd come there for a safe haven to pursue his passions. it was a hit.

𓆩⟡𓆪 after the success of several art installations and portrait commissions , eddie began doing contract work for several entertainment publications in which he attended events , concerts , and premieres as a press correspondent. while he loved his work with the independent group , the money was inconsistent and not support his basic needs. though his choice was met with disapproval , he still keeps in touch with some of the more understanding members , and frequently advertises the craftsmen's events. a casual consumer of the korean entertainment industry , this line of work quickly opened his eyes to the beauty , struggle , and chaos prevalent within in — particularly where kpop idols were concerned. where else could he find a more perfect place to capture humanity at its best and at its worst ?

𓆩⟡𓆪 he only takes honest work — meaning , gossip sites / publications and unofficial paparazzi activities have been and are adamantly and vehemently turned down. he follows a strong code of ethics and only believes in snapping photos with express and enthusiastic consent.

𓆩⟡𓆪 eddie covered the unveiling of infinite entertainment's new building inauguration on january 11th , 2021 . this was the same date he was scouted by staff and invited to submit a portfolio of his work and an application , which he did.

𓆩⟡𓆪 finally , in january 2022 , after the announcement of their world tour , eddie received a formal offer to join infinite entertainment contingent on his agreement to partake in the entirety of the tour. such a lengthy wait for a response initially had the young artist hesitant , but an opportunity to travel the world and get paid for it was too good to pass up. he signed a contract soon after the offer was made , and began work not 24 hours later. he was a key figure in producing much of the promotional material for the tour.

𓆩⟡𓆪 eddie is a creative soul at heart. he is driven by artistic goals — namely , capturing the world's beauty in a single frame — and views his work as an extension of himself. because of his passion for what he does , he can often be viewed as obsessive and perfectionistic , often working long hours to edit his work down to the most minute detail. however , he typically does a good job holding this back while working with live subjects , and is rather gentle and reassuring with those he works with , even when his directing style needs to become more structured and instructive.

𓆩⟡𓆪 eddie is an ambivert , though on the mbti he tests as an extrovert . he loves being around others and meeting new people , but has been known to withdraw entirely during times of stress or hardship. he is a people-pleaser , often putting the needs of others before his own and going to extra lengths to ensure everyone he cares about is properly cared for.

𓆩⟡𓆪 a self-medicator , he often takes to smoking or alcohol to get through difficult days , particularly when his art is failing him and he has nothing else to turn to. he always maintains professionalism , however , and always shows up to work sober , clean , and with a smile on his face.

𓆩⟡𓆪 other hobbies include : drawing , painting , casual gaming ( nintendo is his go-to ) , cooking & baking , and creative writing. his favorite movie genre is fantasy and / or action adventure. he listens to all types of music ; he has familiarized himself with nearly the entire discography of every artist on tour , in an effort to properly capture them in a manner true to their artistry.

last updated : sat 6 may 2023

[hrtechnology25]

What Is Buy Now, Pay Later (BNPL)? How does it work?

First created decades ago, the concept of Buy Now Pay Later (BNPL) is the idea of consuming goods and services first and then paying post-consumption. It is not something new in society– in fact, it has been trending for years at local restaurants and eateries. Shopkeepers or owners practice this in a form of a ledger entry for every individual that would buy things and then collect the compensation at the end of every month. For this, the payee would diligently record all the purchases and send over the details. Individuals can tally them and return products that are not relevant while paying for the rest. 

But one question that comes to mind is how it works on a larger scale and does the payee lose money on the interest by not getting the money immediately?

Before we move on to answer this question. Let us check a few quick facts.

Almost 10 percent of eCommerce transactions in Australia are paid using BNPL.

BNPL proved to be the fastest-adopted payment method in India and UK in 2020.

More than half of US customers prefer to use BNPL services.

It is estimated that BNPL will account for 12 percent of total global eCommerce spending by 2025.

Well, the facts show that BNPL is quite popular among customers across various countries. So what exactly is BNPL? 

Buy Now Pay Later abbreviated as BNPL is an alternative digital payment method that permits customers to purchase goods and services without committing to the full payment upfront. By doing so, customers will get the leverage to immediately finance their purchases and pay them back in fixed installments over time. For example, a customer making a $1000 purchase gets the leverage of paying back in say four interest-free installments of $250. 

These services are widely used by businesses, especially eCommerce retailers in order to increase conversion, and average order value while also reaching new customers. It is reported that businesses that use BNPL services have a 27 percent incremental uplift in sales volumes. 

For more: https://fintecbuzz.com/what-is-buy-now-pay-later-bnpl-how-does-it-work/

For more such Updates Log on to https://fintecbuzz.com/ Follow us on Google News Fintech News

[basicfinanceloan]

Exploring First Mortgage Loans and Short Term Finance Options

When it comes to financing your home or managing short-term financial needs, understanding the right loan options is crucial. Two prominent types of financial solutions that many individuals turn to are First Mortgage Loans and Short Term Finance. These options can be a lifeline for homeowners and borrowers looking to make strategic financial decisions.

What Are First Mortgage Loans?

A First Mortgage Loan is a type of loan secured against the property you purchase or own. It is the primary loan taken out to finance a home, and it typically has the first claim on the property in case of default. As the primary mortgage, it offers borrowers favorable interest rates and repayment terms compared to secondary loans.

In Australia, First Mortgage Loans are a popular option for individuals looking to buy their first home or refinance an existing property. With competitive rates and flexible repayment terms, these loans help borrowers secure their property without significant upfront costs. Whether you're a first-time homebuyer or seeking to consolidate existing debt, a first mortgage can provide stability and financial confidence.

Benefits of Short Term Finance

On the other hand, Short Term Finance is often used by individuals or businesses that need a quick financial solution for a short period, typically ranging from a few months to a year. This kind of loan is ideal for unexpected expenses or bridging financial gaps.

Short term loans are available in various forms, including personal loans, payday loans, or business cash advances. While they often come with higher interest rates compared to long-term financing options, the benefits include faster approval, less stringent credit checks, and the flexibility to use the funds for almost any purpose.

When to Choose First Mortgage Loans or Short Term Finance

When deciding between First Mortgage Loans and Short Term Finance, the key is understanding your financial goals. If you’re looking to invest in property with a long-term commitment and lower interest rates, a First Mortgage Loan is likely the best option. However, if you need quick access to cash for short-term projects or unexpected expenses, Short Term Finance can be a convenient and accessible solution.

Conclusion

Choosing between a First Mortgage Loan and Short Term Finance depends on your unique financial situation. For larger, long-term investments like purchasing a home, a first mortgage is an excellent choice. On the other hand, short-term loans provide flexibility for those in need of immediate funds. By understanding both options, you can make an informed decision that aligns with your financial goals and needs.

[starseedfxofficial]

Bitcoin Briefly Hits $99k; APAC Markets Go Haywire How Bitcoin Made Waves and Asia's Stock Rollercoaster Got Even Wilder Bitcoin pulled a stunt in early European trading that had everyone on the edge of their seats—briefly kissing the USD 99k mark before settling back down at a cool USD 98.5k. It was the trading equivalent of a cat knocking over a vase: quick, dramatic, and just enough to make everyone panic before pretending nothing happened. Let’s dive into what’s driving these movements, plus all the latest on APAC stocks, which have been as unpredictable as my Uncle Dave's karaoke choices. Bitcoin: Flirting with the 99k Zone Early this morning, Bitcoin climbed above the elusive USD 99k—if only for a moment—before calming back down around USD 98.5k. Picture it like a teenager testing curfew limits before mom catches on. This spike was driven largely by a mix of renewed interest from institutional investors and a generally favorable sentiment in the European market, bolstered by optimism over softer regulatory whispers. Don’t be surprised if Bitcoin continues this flirty behavior; traders are eying USD 100k like a kid eyes a cookie jar—it’s just a matter of time before they try again. APAC's Wild Ride: The Good, the Bad, and the "Meh" ASX 200's Energy-Driven Rally: Up Like a Kangaroo on Caffeine The ASX 200 kicked off with a rally, mainly led by the energy sector. Imagine you’re riding a kangaroo on an espresso high—that’s what the energy market in Australia looked like today. Almost every sector joined the uptrend party, aside from tech, which decided it had better things to do (or maybe it was just sulking over the flash PMI contractions that showed Australia isn't exactly thriving right now). However, traders didn’t seem fazed, shrugging off the numbers with an attitude of, "Eh, we’ve seen worse." Nikkei 225: Throwing Yen at the Problem Japan’s Nikkei 225 also climbed higher, thanks to confirmation from Japanese PM Ishiba of a JPY 39 trillion stimulus package. Yes, you read that right: trillions. It’s like the government is handing out Monopoly money, but it works because the Nikkei shot up like a rocket. Today’s inflation data mostly met expectations, meaning there’s no pressing reason for the Bank of Japan to change course anytime soon. Translation: We’ll just keep the money printer warm and running. China’s Hang Seng and Shanghai Comp: A Not-So-Great Day China’s stock markets had a rougher day. Baidu was the worst performer on the Hang Seng Index after a drop in both profit and revenue, making it the finance world’s version of "that one kid who didn’t study for the exam." Weak earnings, paired with an underwhelming press briefing from Beijing, meant no one left feeling inspired. To add salt to the wound, the People’s Bank of China (PBoC) decided to drain liquidity, and comments from China's Vice Commerce Minister didn’t exactly pump up market morale. It was a real "meh" moment for traders who’d hoped for a little more sparkle from the dragon. Hidden Patterns and Trade Secrets So what’s the takeaway from this rollercoaster? For one, while volatility is the only true constant, it’s essential to keep an eye on key announcements like Japan’s stimulus plan. While the typical trader might see stimulus as an old trick, there’s more to unpack here—such as how currency weakening measures could impact JPY pairs over the long term. And here’s a hidden gem: China’s liquidity drain might be more about managing offshore flows than punishing domestic markets. It’s an indirect move, but sharp traders will be watching how this affects offshore yuan, especially against USD. Consider this the next time you’re analyzing your Forex positions—these "hidden" drivers could make or break your next big move. Why the Humble Aussie PMI Might Matter More Than You Think You may have heard that Australia's flash PMI data was, well, disappointing. But here’s why it matters: A contracting PMI often signals that central banks may need to reconsider their current stance. For the Reserve Bank of Australia (RBA), this might mean a rethink on interest rates sooner than expected, especially if inflation rears its head. Forex traders with AUD exposure—pay close attention. There’s a ripple here that could become a tidal wave for AUD pairs. The Market's Hidden Pulse This week, the markets are behaving like an overstimulated toddler—one moment it’s all giggles, and the next it’s a full-on tantrum. The key takeaway? Stay nimble, keep an eye on the details, and look beyond the headlines. It’s these less obvious moves, like Japan’s quiet stimulus expansion or China’s liquidity maneuvers, that hold the real power to shift trends. The average trader watches the news; the sharp one reads between the lines. Think you’ve got the gist of it? Good. Now, use what you’ve learned to sharpen your strategy. And remember: the biggest moves come from understanding the market’s hidden signals—the ones most people miss. —————– Image Credits: Cover image at the top is AI-generated   Read the full article

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The Convenience of Online Loans - EFT Capital

Online loans have made it much easier for people to access the financial assistance they need. Traditional loans from banks and other lending institutions often require a lot of paperwork and can take weeks or even months to be approved. With online loans, however, the process is much simpler and faster. You can apply for an online loan from the comfort of your own home, and often receive approval in a matter of minutes.

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A Complete Guide to ANU MBA Fees: What You Need to Know Before Applying

When considering an MBA, one of the first questions that comes up is the cost. If you’re eyeing the prestigious Australian National University (ANU) for your MBA, you’re likely wondering about the ANU MBA fees. ANU is renowned for its high-quality education and global recognition, making it a top choice for many aspiring business leaders. But what exactly are the fees involved, and how can you plan for this investment in your future?

In this guide, we’ll break down the ANU MBA fees, along with tips on managing the costs and exploring financial aid options.

What Are the ANU MBA Fees?

The ANU MBA program is known for its robust curriculum, expert faculty, and strong career outcomes. However, it’s essential to understand the financial commitment required. Here’s a quick breakdown of the ANU MBA fees:

Domestic Students: The total cost for domestic students is approximately AUD 45,360 for the entire program.

International Students: For international students, the tuition fees are around AUD 52,128 for the full program.

These fees cover the full-time MBA program, which typically spans 18 months to 2 years, depending on your course load and preferences. Note that fees may vary slightly depending on the intake period, so it’s always a good idea to check the latest fee schedule on the official ANU website.

What Do the ANU MBA Fees Include?

When you pay the ANU MBA fees, you’re investing in more than just classroom education. Here’s what your tuition covers:

Access to Premium Resources: This includes ANU’s extensive library network, digital learning tools, and research facilities.

Career Services: From personalized career counseling to exclusive networking events, ANU provides robust support to help you land your dream job post-MBA.

Workshops & Guest Lectures: Benefit from workshops and guest lectures by industry experts, offering insights beyond the traditional curriculum.

Student Support Services: ANU offers a wide range of student services, including mental health support, academic advising, and more.

Additional Costs Beyond the ANU MBA Fees

While the ANU MBA fees are a significant part of your budget, it’s essential to account for other expenses as well:

Living Expenses: Depending on your lifestyle, you might need around AUD 21,041 per year for accommodation, food, and transport.

Books & Supplies: Allocate approximately AUD 1,000 - 2,000 per year for textbooks and other study materials.

Student Services & Amenities Fee (SSAF): ANU charges around AUD 315 annually for various student services.

Health Insurance: International students are required to have Overseas Student Health Cover (OSHC), costing about AUD 500 - 700 per year.

Scholarships & Financial Aid for ANU MBA Students

The ANU MBA fees can be a substantial investment, but there are various scholarships and financial aid options available:

ANU College of Business & Economics Scholarships: These merit-based scholarships are awarded to students with outstanding academic records.

External Scholarships: Look into options like the Australia Awards Scholarship and the Global Excellence Scholarship, which can significantly reduce your financial burden.

Part-Time Work Opportunities: International students on a student visa are allowed to work up to 48 hours per fortnight, which can help offset living expenses.

Pro Tip: Start your scholarship applications early, as deadlines often close well before the academic year begins.

Is the Investment in ANU MBA Fees Worth It?

The ANU MBA program is a stepping stone to high-level leadership roles and offers a significant return on investment. Here’s why it’s worth considering:

High ROI: ANU MBA graduates report competitive starting salaries, with many landing roles in top industries like consulting, finance, and tech.

Global Alumni Network: With a diverse student body and strong alumni connections, ANU opens doors to global career opportunities.

Study in Canberra: The location offers a unique mix of academic excellence and quality of life, along with opportunities to network with government and industry leaders.

Conclusion

An MBA from ANU is more than just a degree — it’s a gateway to numerous career advancements and global opportunities. While the ANU MBA fees might seem high, the long-term benefits, including a robust alumni network, excellent career services, and a strong ROI, make it a worthwhile investment.

By planning ahead, exploring scholarships, and budgeting wisely, you can make this educational journey both affordable and rewarding.

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Your Guide to Automobile Financing with ALIC

Automobile financing can open doors to owning a new or used car without having to pay the entire cost upfront. For those in Melbourne, Australia, automobile financing with a trusted provider like ALIC is a smart choice. Whether you’re an individual looking for your dream car or a business needing fleet vehicles, ALIC’s experienced finance brokers provide tailored options that fit your needs and financial situation.

Why Choose Automobile Financing?

Opting for automobile financing can help you access the car you need without financial strain. By breaking down the total cost into manageable monthly payments, automobile financing offers flexibility and affordability, making it easier for people at all financial levels to get the vehicle they want.

The Benefits of ALIC’s Car Financing Solutions

ALIC is more than just a financing provider; it’s a strategic partner. With a deep understanding of the Melbourne market and Australia’s finance landscape, ALIC ensures that every client receives the best possible financing solution. Their knowledgeable brokers help you find a plan that aligns with your budget and needs, whether for personal use or business purposes.

At ALIC, you can enjoy:

Personalized financing plans: ALIC works closely with you to understand your unique financial situation and match you with the right loan product.

Quick and reliable loan processing: Speed is crucial when buying a car, and ALIC ensures that you can secure your vehicle without delay.

Expert advice: The ALIC team keeps you informed throughout the process, helping you make well-informed financial decisions.

Steps to Get Started with Automobile Financing at ALIC

Consultation: Start with a consultation where ALIC’s finance brokers assess your needs and provide guidance on financing options.

Application Process: Once you decide on a plan, ALIC will handle the application process with efficiency, reducing wait times and paperwork.

Loan Approval and Vehicle Purchase: After approval, you’re ready to purchase your vehicle with peace of mind, knowing you have a financing plan that works.

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Call: +61 1300 254 228

Email: enquiries@alic.com.au

Address: 27/360 Collins St Melbourne, Melbourne, VIC, Australia, Victoria

ALIC’s finance experts are ready to answer all your questions and guide you to the best financing solutions available. Visit ALIC’s Car Financing page to learn more and start your journey toward vehicle ownership with confidence.