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kk-praveen · 4 months ago

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Fueling Entrepreneurship: The Benefits of Taking a Business Loan from Cooperative Banks and Societies in India

In the dynamic world of business, access to timely and affordable credit is crucial for entrepreneurs and small business owners. While commercial banks are a common source for business loans, cooperative banks and societies offer unique advantages that make them an appealing option. Here’s an in-depth look at the benefits of taking a business loan from cooperative banks and societies in India.

1. Lower Interest Rates

One of the most compelling reasons to consider cooperative banks and societies for business loans is the lower interest rates they offer. Unlike commercial banks, which often have higher rates to maximize profitability, cooperative banks and societies operate on a not-for-profit basis. This allows them to charge lower interest rates, making the overall cost of borrowing significantly lower.

2. Flexible Repayment Options

Cooperative banks and societies provide flexible repayment terms that can be customized to suit the borrower’s financial situation. They offer various repayment schedules, including the option to pay in installments or as a lump sum, allowing business owners to choose a plan that best aligns with their cash flow.

3. Simplified Application Process

The application process for business loans from cooperative banks and societies is generally more straightforward compared to commercial banks. These institutions require fewer documents and have less stringent eligibility criteria, making it easier for entrepreneurs to secure a loan quickly. This simplicity is particularly beneficial for small business owners who may not have extensive financial records.

4. Personalized Service

Cooperative banks and societies are known for their personalized service. Unlike commercial banks, which may treat borrowers as mere account numbers, cooperative institutions offer a more supportive and understanding environment. They consider the unique needs and circumstances of each borrower, ensuring a more personalized and satisfactory experience.

5. Community Support

As community-focused institutions, cooperative banks and societies offer a level of understanding and support that is often unmatched by commercial banks. These organizations are deeply rooted in the local community and have a vested interest in the welfare of their members. This community-oriented approach can provide business owners with additional support and leniency when needed.

6. Financial Inclusion

Cooperative banks and societies play a crucial role in promoting financial inclusion by extending credit facilities to underserved and marginalized communities. This ensures that individuals from diverse backgrounds have access to the funds they need to start or expand their businesses, regardless of their financial standing.

7. Transparency

Transparency is a hallmark of cooperative banks and societies. Borrowers can expect clear communication about loan terms, conditions, and any associated fees or charges. This transparency builds trust and ensures that there are no hidden costs or unpleasant surprises down the line.

8. Lower Processing Fees

Another significant advantage of taking a business loan from cooperative banks and societies is the lower processing fees and charges compared to commercial banks. This reduces the overall cost of borrowing and makes the loan more economical for business owners.

9. Focus on Local Development

By supporting local businesses, cooperative banks and societies contribute to the development of the community. The funds borrowed are often reinvested in the local area, promoting economic growth and stability. This local focus ensures that the benefits of the loan extend beyond the individual business to the broader community.

10. Potential for Additional Benefits

Many cooperative societies offer additional benefits to their members, such as profit-sharing, voting rights, and a say in the management of the cooperative. These benefits can enhance the borrower’s overall financial well-being and foster a sense of belonging and responsibility.

11. Safe and Secure

Cooperative banks and societies are regulated by the government and other regulatory bodies, ensuring compliance with financial standards and providing a secure borrowing environment. This regulation offers an added level of security and trust for borrowers.

12. Contribution to Social Welfare

By choosing to take a loan from cooperative banks and societies, borrowers indirectly contribute to social welfare activities and community development projects initiated by these institutions. This creates a positive impact on the broader community and promotes a culture of mutual support.

13. Enhanced Financial Literacy

Many cooperative societies offer educational programs and training to improve financial literacy among their members. This can help business owners manage their finances more effectively, make informed decisions, and avoid potential financial pitfalls.

14. Tailored Loan Products

Cooperative banks and societies often offer loan products that are tailored to the specific needs of their members. This customization can ensure that the loan terms and conditions are more favorable and suitable for the borrower’s unique situation.

15. Risk Mitigation

Cooperative banks and societies often have mechanisms in place to mitigate risks for borrowers, such as insurance for the loan amount. This provides an additional layer of security for borrowers in case of unforeseen events.

16. Support for Small and Medium Enterprises (SMEs)

Cooperative banks and societies are particularly supportive of small and medium enterprises (SMEs), which form the backbone of the Indian economy. By providing accessible and affordable credit, they help SMEs to grow, innovate, and contribute to economic development.

17. Community Empowerment

By supporting local businesses, cooperative banks and societies play a crucial role in community empowerment. They provide the necessary financial tools and resources for individuals to improve their living conditions and contribute to the community’s prosperity.

In conclusion, taking a business loan from cooperative banks and societies in India offers numerous benefits, including lower interest rates, flexible repayment options, personalized service, and community support. These institutions provide a supportive and transparent environment that can make entrepreneurship more accessible and sustainable. By choosing to borrow from cooperative banks and societies, business owners not only invest in their own success but also contribute to the development and empowerment of their local communities. Cooperatives4all serves as a user-friendly digital platform specifically tailored to support and empower cooperatives across the World

#bank #cooperative #home loan #loan #loans #personal loans #student loans #business loan #personal finance #short term loans uk

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ukuniversityindubai · 4 months ago

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Open Up a World of Possibilities, and Start your Career with Middlesex University Dubai’s Dynamic BA Honours Accounting and Finance Programme

Study at the largest UK university in Dubai and connect with global financial industry experts, propelling you to future employment success.

The world of finance is booming, with Dubai generally considered within the top global financial services and talent hubs alongside New York, London, Hong Kong, and Singapore.

Dubai International Finance Centre (DIFC) is home to 632 financially regulated firms, with a strong inflow of top firms underscoring Dubai’s appeal as a global financial industry hub. Notable firms joining DIFC in 2023 included global leaders such as Asia Research and Capital Management Ltd, Edmond de Rothschild, EnTrust Global, Hudson Bay Capital, King Street Capital, Nomura Singapore, St. James’s Place and Verition Fund Management LLC, with this growth expected to continue year on year.

As projected by the International Monetary Fund (IMF), the United Arab Emirates GDP is expected to grow by 4% by the end of 2024, reflecting the UAE's robust economic performance. There has never been a better time to secure a highly regarded, UK-accredited, undergraduate qualification in Accounting and Finance from Dubai’s largest UK university.

Middlesex University (MDX) Dubai is a well-respected institution with strong business ties in the UAE. We have a community of over 5,600 students encompassing over 120 different nationalities, creating a diverse global experience. MDX Dubai offers over 70 UK degree programmes and professional qualifications and stands out as a leader in British education.

Accounting is often referred to as the ‘language of business,’ making it crucial for organisations of all sizes and industries worldwide. As financial regulations become more intricate, businesses require skilled professionals to ensure compliance, and accountants help organisations navigate these regulations and avoid costly legal issues. With ever-changing tax laws, businesses need experts to optimise their tax strategies while staying compliant. Independent audits are crucial for ensuring the accuracy of financial statements, meaning accountants are needed to maintain transparency and investor confidence.

In today’s rapidly changing business landscape, the role of accountants has evolved far beyond number-crunching and financial reporting. This evolution has led to a surge in demand for skilled accountants and financial experts in the global job market.

The BA Honours Accounting and Finance Programme

Our BA Honours Accounting and Finance degree programme creates highly employable and successful graduates. You will develop advanced theoretical and practical knowledge of accounting and finance: the ideal first step in becoming a qualified accountant. Our programme covers key areas within financial and management accounting, taxation, and business law, allowing a deep understanding of the role accounting plays in successful organisations.

Our three-year Middlesex University Dubai BA Honours Accounting and Finance programme is recognised globally as offering excellent preparation for professionals in the field. Our teaching team consists of a diverse group of internationally qualified and renowned scholars and practitioners, who specialise in key discipline areas including management accounting, banking regulations, corporate finance, econometrics, data analytics and more. The department puts a strong emphasis on employability, with strong industry links to top financial firms in the UAE and beyond. Our expert academic staff consult for leaders in business and government.

Throughout the programme you will use accounting software such as Xero, Sage, and OneSource. The onsite Financial Lab will give you the hands-on experience needed to succeed, and you will build on your practical accounting skills through a combination of lectures, workshops, seminars and class-based discussions.

Once you have graduated from the BA (Hons) Accounting and Finance degree you have the opportunity to sit further professional exams to becoming a chartered accountant. There are various career pathways for you to choose from including: audit, taxation, budget analysis, financial accounting and management accounting.

Associate Professor Dr Pallavi Kishore, BA (Honours) Accounting and Finance Programme Coordinator, has this to say about the programme’s benefits: “The BA Honours Accounting and Finance programme at Middlesex University Dubai is the perfect starting point for aspiring Chartered Accountants. At MDX Dubai, our goal is to ensure our graduates are 100% employable, and we go above and beyond to meet this goal. From offering certifications and hosting competitions to facilitating interactions with industry leaders and professional bodies, we provide our accounting and finance students with top-tier guidance, setting you on the path to success.

The programme has been designed with up-to-date skills, including accounting software and a focus on ethics and corporate responsibility. The rigour of our curriculum is endorsed by coveted professional bodies, including the Association of Chartered Certified Accountants (ACCA), the Chartered Institute of Management Accountants (CIMA), the Institute of Chartered Accountants in England and Wales (ICAEW), the Chartered Financial Analyst (CFA), and the Institute of Financial Accountants (IFA).

With our comprehensive programme, you'll be thoroughly prepared to enter the professional world with confidence and competence. Your future in accounting and finance starts here!”

Career-Led Education with Industry Exposure

At MDX Dubai we are committed to bridging the gap between academia and industry through solid partnerships and industry collaborations. You will benefit from long-standing connections through bespoke learning programmes, mentorship programmes and work placements. Companies such as IBM, ORACLE, Microsoft and CIM are just a few of the organisations that engage with you, providing insights and career opportunities.

As a student at MDX Dubai you not only gain industry-specific knowledge but will graduate fully equipped for a successful career. Our dedicated Careers and Employability Services (CES) Department ensures that all our students are guided towards a rewarding and dynamic professional path. CES provides a range of services including career guidance, counselling, industry insights, internships, and employment prospects, among many others. The aim of CES is to make every student at MDX Dubai 100% employable by understanding their individual career goals and aspirations and supporting them in achieving future success.

Our learning facilities are state-of-the-art, and we have received recognition of our programmes from some of the world’s leading professional bodies including the ACCA, UAECA, CIMA, CFA, CIPFA, GARP and ICAEW. This collaboration means that you benefit from the maximum number of exemptions and support with employability talks and skill sessions, as well as providing internship, placement and graduate opportunities with employer partners across all industries. Our students also have the opportunity to benefit from scholarships and paid memberships within these professional bodies.

Launchpad for a Successful Future

During your studies, you will have the opportunity to apply for internship opportunities through the Careers and Employability Service, and we also offer the option to transfer to the Middlesex London campus after the second year of study.

After graduating, many of our MDX Dubai BA Honours Accounting and Finance alumni’s have secured roles in local and international businesses, progressing into careers with a wide range of prestigious organisations including the Big 4: Deloitte, PwC, KPMG, and EY. Some choose to remain with the University to study an MDX Dubai postgraduate degree such as MSc Banking and Finance or MSc Investment Management to prepare for a leadership level role.

BA (Honours) Accounting and Finance Class of 2023 student Shyam Sathish Kumar now works at Crowe UAE as a Financial Consultant. He said of his experience: “MDX gave me a huge advantage by allowing me to proceed with my ACCA examinations while in university. Having completed my ACCA and becoming an affiliate gave me an advantage in the job market. It allowed me to display my competence and gave employers the impression that I was capable as a professional… Studying at MDX gave me exposure and knowledge about various pathways within Accounting and Finance, and my dream career changed over time as I studied different modules and interacted with different professionals.”

More Than Academics: Celebrating the Student Experience

As an IFP student, life at the University also offers engaging and enriching extracurricular opportunities. Our sports and social clubs empower you to build confidence and develop leadership and organisational skills, ensuring friendships are formed outside of the classroom. Get involved in events hosted by MDX Dubai, such as International Day, YouthFest talent contest, international trips to destinations such as Japan, Georgia and Italy, student galas and more. With over 30 sports teams and social clubs to choose from there is something for everyone!

Team Middlesex is the focal point for the development and delivery of competitive and recreational sport and social activities at MDX Dubai, ensuring you have the best student experience.

Student Support Services are available throughout your studies to help whenever you need a shoulder to lean on. Whether you need advice about life in Dubai, feeling homesick, having health issues, or finance concerns our friendly Centre for Academic Success (CAS) team is here to help.

At MDX Dubai, we provide you with the opportunity to transfer your studies to one of our overseas campuses in London or Mauritius within your second year of study. This allows you to explore a new culture and make overseas contacts while benefiting from the same high quality of teaching that you receive here at our Dubai campus at Dubai Knowledge Park (DKP).

Our DKP campus features state-of-the-art classrooms equipped for hybrid learning; labs for Graphic Design, Robotics, Engineering, VR, Cybersecurity, and Fashion Design; and an exciting student recreation centre called the MDX Social Hub, which is home to our dance studio, gaming room and much more. We are also the first UK university in the UAE to have a campus in each of Dubai’s higher education hubs. Our second campus is located in Dubai International Academic City (DIAC) and is home to study areas, and our brand new MBA Study Hub.

Ensuring Accessible Education

At MDX Dubai we are committed to delivering a high-quality British education that meets market demands. Our students can qualify for various scholarships based on eligibility criteria, and study grants are available to students from the UAE and globally across all study levels. Flexible payment plans are offered to make a quality British education accessible to everyone.

Apply for our next September intake at MDX Dubai and take the first step towards achieving your career aspirations with a degree that promises both academic excellence and practical industry experience. Join MDX Dubai and become part of an inclusive and diverse community that nurtures growth, innovation, and success.

Find out more: BA Honours Accounting and Finance Middlesex University Dubai (mdx.ac.ae)

#MDX Dubai #Middlesex #Accounting and Finance #UG #Undergraduate Study #Dubai #Student #Finance #UK #university

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superbpandaqueen · 7 months ago

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#short term loans uk #personal loans #loans #same day payday loans #student loans #insurance #personal finance #credit score #financial planning #money saving #money #easter bunny #easter #easter egg #easter 2024

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businessinsighto · 9 months ago

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#financial planning #money #investors #loans #personal loans #same day payday loans #short term loans uk #finance #student loans #usa

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tabithahobson · 1 year ago

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harrybrookk · 1 year ago

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Are you having trouble deciding on a topic for your dissertation on finance? Do you require assistance or professional counsel on the same? You'll be happy to learn that we provide that service without charge.

#finance dissertation topics #dissertation #finance #assignment help #assignment help uk #writing #academic writing #study tips #student #education

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notayesmanseconomics · 2 years ago

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The UK Public Finances are counting the cost of the energy crisis

This morning has brought us up to date on how much the UK borrowed in the last fiscal year ( until March). PSNB ex in the financial year ending (FYE) March 2023 was initially estimated at £139.2 billion (or 5.5% of gross domestic product (GDP)), £18.1 billion more than in the FYE March 2022 and the fourth-highest FY borrowing since records began in 1946. The main factor in play here was the…

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#Bank of England #business #Debt Interest #economy #Energy Costs #energy subsidies #Finance #Government Expenditure #Public Sector Net Worth #student loans #Tax Receipts #UK Public Finances

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ayeforscotland · 5 months ago

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Hiii,

Hope you are well.

Would you by any chance be able to explain how the funding and tax between Scotland and England works? Or maybe direct toward some easier to understand sources? I struggle to understand the stuff online and ive frustratingly been in the company of several English individuals recently, demanding i thank them for 'paying my tuition' as a Scottish uni student. I know it's (pardon my french) bollocks but as much as id like to rebut them im not well educated enough on the topic to do it properly.

thankyou

Hello! I am surviving.

I'll try keep this as plain as possible because it's wild that 'we pay for your tuition' is still being trotted out by arseholes.

The Scottish Government receive their budget from Westminster. They fund a wide variety of reserved (controller by Westminster) and devolved (controlled by Holyrood) areas. A large portion of that budget is granted through something called the Barnett Formula.

The Barnett Formula is used by the UK Treasury to adjust the amounts of public expenditure allocated to Scotland, Wales & Northern Ireland based on how much is being spent on services in England.

For example, if the UK Government decides to slash NHS funding in England then it ripples across the devolved nations, and the respective governments needs to accept cuts or fill the gaps with budget supposed to be used for elsewhere.

ScotGov do have some devolved tax powers, such as income tax where we currently have higher taxes on rich people. Also some tax powers over lands and buildings, landfill, council tax etc. All these areas are where Scottish people pay Scottish taxes to pay for Scottish policies. Like scrapping tuition fees. The rich in England don't pay for baby boxes and free prescriptions, the rich in Scotland do by paying their fair share in the Scottish income tax system.

I always find discussions around Scotland's finances to be interesting because the Scottish Government don't have the economic levers of an independent country and it's always talked about like we do but are just incompetent.

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aphrodeiities · 1 year ago

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i've returned to post about a particular subject i've been fighting to or not to post, because i used to consider this person the closest person in my life and i even considered her as a best friend and a sister.

and we have fallen out and apologised to each other many times, but perhaps whenever we argued it was life telling me that she is not supposed to be in my circle. and you could be wondering why am i bringing this up and telling tumblr this but im telling tumblr this to be aware of @couerardent and her scamming behaviour.

couerardent also known as MYSTIICWINTER OR MYSTICWIINTER.

talk about WORSE SERVICE I HAVE EVER GOTTEN MY ENTIRE LIFE.

[other people have come to me and spoke about how bad her services were, but i tried to overlook it because i really cared for her, lessoned learn]

i have always been empathetic towards ardent and her money situation, but there are moments when excuses turn into reasons to not do something. on august, i sent alex money because she needed it, but she also said in return she will give me 4 packs she usually gives her clients and she told me she would give me my money back.

first pack is "tell me your story."

second and other packs she hadnt told me what they were but she informed me that i'll be receiving them weekly since august, and now its november.

at first i was empathetic, since i used to be close to ardent, i knew she went through a lot of stuff at home, so i was patient. until august turned into september, and september turned into october and then october turned into novemeber.

and slowly i became annoyed, [as i should] because her services arent even long or good, as someone who gives chart readings to other people that consists more than fourteen pages, the effort to write that would take long, but ardent doesnt even give five pages for her services, three at most, so why is it taking her so long?

previously, she has joked to me about scamming other people, but would put the blame on them and not want to take accountability until they start using threats to expose her, i think she deleted the making fun of scamming them but here is some of it:

and when i would message her for updates about my reading because it'll take months, she would ignore me and even change her pfp on tumblr or discord, until i reach out to her on more platforms to get her attention.

and what would annoy me even more is that she would talk about how she never has something to do or would focus on other stuff knowing she needs to get my reading done lmao and this would be like 1-2 months after i was supposed to receive any of it lol.

worrying about the layout for almost 3 months PLEASE.

i have received 1/4 readings, and that was now almost 2-3 weeks ago, we should've been on my 2nd or 3rd reading by now, the only reason i have received 1 reading is because i did threaten to expose her if she didnt send the money or reading my way, because even i had some issues because living in london has gotten really difficult and i have been trying to support my family as much as i can, but im doing better right now.

its all about the principle. and she has none of that. and even attempted to victimise herself and behave like she was in distress whenever she got called out about her behaviour.

she lost track of time, the time being 3-4 months lol.

and when i was speaking to her she ignored me for a bit again ha, it was almost comedic. for almost two weeks she didnt try and check what i was speaking about.

she has gotten ill, but this was still months after.

and i have remembered, she has used much of her earned money to fund for her nose job but also uni, but during the moments it was best to pay me back was at the job she said paid her well, she informed me that when she gets paid by her job she'll pay me back, and she never did and ended up quitting the job.

[the unfairness i was speaking about is how uni her country dont do student finances, she's from romania, because they do in the uk it was just a surprise].

i asked her recently on how i was supposed to receive a reading but she didnt reply but change her pfp on whatsapp and discord, again.

if there is any confused people comment please because i did this half asleep lmao

#tarot #tarot community #pick a pile #pac #romance #astrology #pick a card #pick a photo #future spouse

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robotpussy · 2 years ago

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hi everyone i hate to have to do this again but there is still a cost of living crisis in the UK and we officially pay the highest energy bills in the world right now and it is very evident with my bill this month 💔

so i really do need some help rn i have a empty bank account once again and won't be getting my student loan payment until the end of the month (January 30th) so could I please have some support

(my bank account balance and student finance payment date as proof)

Paypal: paypal.me/cottoncandystarship

Cashapp: £hamyp22

£0/463 (9/01)

#mine

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mariacallous · 2 days ago

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Oulu is five hours north from Helsinki by train and a good deal colder and darker each winter than the Finnish capital. From November to March its 220,000 residents are lucky to see daylight for a couple of hours a day and temperatures can reach the minus 30s. However, this is not the reason I sense a darkening of the Finnish dream that brought me here six years ago.

In 2018, moving to Finland seemed like a no-brainer. One year earlier I had met my Finnish partner while working away in Oulu. My adopted home of Italy, where I had lived for 10 years, had recently elected a coalition government with the far-right Matteo Salvini as interior minister, while my native UK had voted for Brexit. Given Finland’s status as a beacon of progressive values, I boarded a plane, leaving my lecturing job and friends behind.

Things have gone well. My partner and I both have stable teaching contracts, me at a university where my mostly Finnish colleagues are on the whole friendlier than the taciturn cliche that persists of Finns (and which stands in puzzling contradiction to their status as the world’s happiest people).

Notwithstanding this, I feel a sense of unease as Finland’s prime minister Petteri Orpo’s rightwing coalition government has set about slashing welfare and capping public sector pay. Even on two teachers’ salaries my partner and I have felt the sting of inflation as goods have increased by 20% in three years. With beer now costing €8 or more in a city centre pub, going out becomes an ever rarer expense.

Those worse off than us face food scarcity. A survey conducted by the National Institute for Health and Welfare found 25% of students struggling to afford food, while reductions in housing benefit mean tenants are being forced to move or absorb the shortfall in rent payments. There are concerns that many unemployed young people could become homeless.

Healthcare is faring little better. Finland’s two-tier system means that while civil servants and local government employees (including teachers) paradoxically enjoy private health cover, many other people face long waiting lists. Not having dental cover on my university’s plan, I called for a public dental appointment in April. I was put on callback and received a text message stating I’d be contacted when the waiting list reopened. Six months later, I am still waiting. A few years ago I could expect to wait two months at most.

The current government, formed by Orpo’s National Coalition party (NCP) last year in coalition with the far-right Finns party, the Swedish People’s party of Finland and the Christian Democrats, has been described as “the most rightwing” Finland has ever seen – a position it appears to relish.

Deputy prime minister and finance minister Riikka Purra – the Finns’ party leader – has been linked to racist and sometimes violent comments made online back in 2008. The party’s xenophobia is clearly influencing policymaking and affecting migrants. As a foreigner, I’d be lying if I didn’t admit to feeling a certain chill as anti-immigrant rhetoric ramps up.

A survey by the organisation Specialists in Finland last year found that most highly qualified workers would consider leaving Finland if the government’s planned tightening of visa requirements went ahead (that proposal, which extended residence time required for Finnish citizenship from four to as many as eight years has now become law). Luckily, I am a permanent resident under the Brexit agreement.

With the coalition intent on ending Finland’s long history of welfarism in just one term, there is a risk (and hope among progressives) that it may go too far, inviting a backlash. We arguably saw signs of this in the European election in the summer, when Li Andersson won the highest number of votes for an EU election candidate in Finland. Andersson, who was education minister in Sanna Marin’s former centre-left coalition government (which lost to the NCP in April 2023), ran on a progressive red-green ticket of increased wealth equality and measures to tackle the climate crisis. She has also been critical of emergency laws blocking asylum seekers from crossing Finland’s eastern border, arguing that it contravenes human rights obligations.

Andersson’s party, the Left Alliance, chose a new leader this month, the charismatic feminist author Minja Koskela, who was elected to Helsinki’s council in 2021 after a period as secretary of the Feminist party, and as a member of parliament in 2023. Koskela argues: “People are widely frustrated with the government’s discriminatory policy and cuts to culture, social and health services, education and people’s livelihood. It is possible to turn this frustration into action.” (Full disclosure: I’m a member of the party and have helped coordinate its local approach to immigrants.)

It remains to be seen if she can build on Andersson’s EU success. Although the popular media-savvy figure appears to relish the challenge of turning the party into an election winner, Koskela faces a huge challenge. The party struggles to poll at more than 10% nationally, aside from a brief high of 11% in July. A place in government is nonetheless possible. But Marin’s Social Democratic party (SDP) of Finland (now led by Antti Lindtman), has topped the national opinion polls 12 out of 14 times since April 2023.

Meanwhile, the Finns party is polling at 16%, down from the 20.1% vote they gained in the election. These figures point to one thing: another possible SDP-led coalition government in the next parliament by the summer of 2027. This would probably include the Left Alliance and the Green League, among others. And such a coalition would aim to undo a lot of the damage done by the right.

But until then, there will be more damage to come. So while there is clearly hope for an end in sight to the country’s political darkness three years hence, this will bring little solace now to poor people, migrants, and the squeezed middle class as the long Finnish winter closes in.

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mecachrome · 10 months ago

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Hi I would love to hear about the elaborate secret wag au you hinted at in the pastries post if youre up to talking about it. I think I need it injected directly into my veins I love it so much

ok note to self i have to stop calling things elaborate when in reality i mean that i think about them really hard before i fall asleep and then promptly forget anything interesting afterward. but of course i'd love to discuss this very vague universe some more!! :')

honestly this is all an extremely self-indulgent exercise because i'm just a huge sucker for the combined secret relationship + famous/non-famous trope, and i will always read/write it for any ship iteration that presents itself! like there is nothing i love more than understated displays of devotion, especially when it plays into the 4th wall socmed fuckery space of one half being famous and having an otherwise large social profile and the other being very lowkey and resisting any publicity about themselves... in that vein i can't tell whether the concept is super cringe & embarrassing (well i can & i know it is, but the question is whether that is enough to Stop Me!!!) because obviously lando dating some Boring Dude requires a er... certain suspension of disbelief (also sorry for any unintentional disrespect to maxf), but what is fandom for if not making stupid shit up <3

anyway the secretwag concept also developed from two things, 1) how much i enjoy & endorse oscar's private-not-secret relationship philosophy + 2) lando's extreme loyalty to & dependence on all of his childhood relationships, so the idea kind of took root as "what if oscar→lando what lily→oscar (and also kind of what maxf→lando)" but just with more of lando's friendgroup dynamix & his streamer identity folded into the mix. the origins of their rship are what remain the most ambiguous & handwavey 2 me but in short they'd somehow meet when they were younger (maybe oscar is the same age as lando, maybe lando stayed in school longer, maybe oscar moved to the uk earlier and they met during their karting days... idk!!!) except then because of finances oscar decides to go into engineering and gives up on motorsport pretty early on.

(tbh i always struggle with justifying non-driverness in canon divergence fic because i'm like WELL REALISTICALLY oscar would just go into another professional racing category if f1 weren't feasible, BUT ignoring that) i think oscar would objectively be a super adjusted engineering student and would thrive academically / not stew in self-pity about giving up racing, so i really like this idea of like... sure, oscar is One Of The Lads, but unlike most people in lando's life who revolve around his work somehow or otherwise reflect his level of celebrity—drivers, the quadrant team, d-grade influencers & djs & social media personalities—oscar is just... Oscar. he's the smartest person lando knows and his love language is quality time and lando is the one usually doing acts of service for all his friends but oscar always wordlessly & unquestionably reciprocates that for him (lando annoying oscar into giving him a massage every night and oscar conceding immediately like ok... jon who❤️) and while lando has to go out of his way to navigate/manage the emotions of those around him and feels indebted to all his friendships he's never had to do that for oscar because oscar is the steadiest part of his life. and then obviously at some point when they're young dumb & drunk they get fucked up about it and start dating on the dl

(waves hands) anyway IDK but i'm just stuck on the image of like lando at 19 starting his first season of f1 and being raw and uncertain of himself and constantly catastrophizing about the future and trying to build out his brand and prove himself, and even like maxf is racing full-time that year, but at least he has oscar who's away at uni (in slightly aged up verse) and shows up at his place every weekend to ground him... like oscar never sugarcoats anything OR doubts himself OR needs lando to be any less open about his irrational fears so lando is like damnnn your cringefail earnestness and clear-eyed perspective of reality has kind of bewitched me *momentarily healed* etc. ft. domestic bants & the birth of master baker oscarpastry when covid hits and everything goes virtual & they quarantine together... lando starts streaming regularly and there's just this random dude in the background of half his streams and chat is like "???" every time like. Who is that + Why is he australian + Why is he cooking you dinner at 1am. his only social media profile is a private ig page with 50 followers.

+ after grad they keep living together and oscar becomes a wfh developer and i imagine him being very financially steady and self-sufficient but also like... deeply LAZY, so he has 0 ambition or intention to chase anything more demanding and is happy to just do his boring software job + be lando's househusband after hours LOL. like bringing lando pastries at quadrant shoots (ty chel 4 this image) between dull code reviews & expertly ducking away from the landolog camera & letting lando drive them around in his stupid gimmick cars and just generally toeing the line perfectly of being invested in lando's success and caring as deeply about motorsport as he does and even kicking his ass in iracing sometimes because he's kept up with sim racing but also keeping his ego in check and not making him engage in the world/politics/circus of f1 more than he has the capacity for on their off-weekends *__* finally lando is like babe i need to go commit tax fraud in monaco and oscar is just like ❤️ ok ❤️ we can move out tomorrow ❤️ and they find a tiny flat that's deeply overpriced but it's Them and it works. oscar plans his days off so he can go to half the races but nobody ever even notices him because the photographers don't know he exists.... except for maxv who lives in their building and met oscar once and was immediately like I Respect You #fellowsimracer so now whenever he sees oscar they get caught up in a conversation for like 30 minutes about random nerd shit and lando is very discombobulated about it every time. on the other hand maxf has been trying to be chill about lando of all people having been in a healthy committed relationship for the past 6-ish years so he frequently gets into trouble for making bad jokes about their sex life on stream that everyone thinks is them being homophobic etc. etc. ANYWAY YOU GET THE GIST OF IT!!!

#ask #this is so so stupid i'm sorry. but personally idt there can ever be enough secret relationship fic <3

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