#types of loans
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Financial Literacy 101: Exploring Different Types of Loans and Their Mechanics
Types of Loans Loans are an essential aspect of personal finance and can help individuals achieve their goals, from purchasing a car or a home to starting a business. But are you feeling overwhelmed by all the different types of loans available in the market? Do you find yourself confused by the jargon used by financial institutions when discussing loan mechanics? Fear not, because in this post,…
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Different Types of loans Available in india
Banks, NBFCs, and other financial institutions help people in financial crises by providing them with loans. In general words, Loans is a legal agreement between a lender (bank, NBFCs, other lending firms) and a borrower in which a financial institution gives money with the promise from the borrower that he or she will repay the borrowed amount with interest. There are many financial institutions available in India that are giving loans to eligible borrowers.
The eligibility criteria for the loans are set by the lending institutions, it includes the CIBIL Score of the borrower, Banking statements, income proof, Salary Slip, and KYC Documents. There are only three components of loans namely, principal, borrowed amount, and interest rate and these are the focus points that must be considered before applying for any loan. Before going forward with the eligibility criteria for the loans, let us understand the types of loans. The article below shall explain the types of loans available in India.
#types of loans#different types of loans#what are the types of loans#what are the different types of loans#various types of loans#different types of loans in India
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What is Loan? Loan Definition, Process, Uses of Loans, Types of Loans
Loan Definition A loan is a type of financial instrument used by individuals and companies to get credit from approved organizations, such as banks. A particular sum of money might also be given from one person to another with the understanding that the recipient will pay back the loan at a later date. The individual receiving the loan is usually required to pay interest in addition to the main…
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Study the most required types of Loans - Proinvest Ideas
One must be updated with the different kinds of loans that may be needed for them in their hard times when Money becomes very important for any item. This knowledge about the loans will perhaps make your life more manageable.
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bros being dudes
(some low effort bonus doodles below the cut)
now ain't it cute that they match
and because the joker out boys speaking finnish is so silly to me (@arctixout en tiiä tiiätsä ees mua mut tää on sulle kiitos meemuista)
K: Hey Bojan will you come look at this
B: Yea
K: What do you think of this
B: lol sry it's pretty shit
K: bruh
#old timey joker out#doodle type thing#“sori” is a loan word from english and not really used for sincere apologies#bojan's apology in the last panel therefore is very unsincere :D#my art#joker out#nace jordan#jan peteh#bojan cvjetićanin#kris guštin#traditional art#fanart#joker out fanart#18th century
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I just had to share this email I got so all y'all can appreciate the absolute state of welfare services in Australia with me:
The NILs Loan Scheme is a government funded, no interest loan scheme for people on low incomes, but this leaves me wondering exactly who tf can qualify for their loans. Because it seems like if you have any symptoms of poverty it's a no.
I applied because I need the clutch replaced in my van, which I live in. It's lucky that I actually CAN afford the cost myself (due to living in a van & not participating in Australia's increasingly ridiculous housing market). I thankfully can afford such an expense these days & was just looking for a responsible financial buffer, just in case. But if this had happened to me a few years ago when I first became homeless and was far less financially stable, then my next living situation wouldn't be "affordable housing" it would be a fucking tent.
Anyway, the backwards ass state of a GOVERNMENT FUNDED welfare scheme refusing to assist those who need welfare the most because they don't want to encourage homelessness or whatever the dumb fuck? Just really rustled my jimmies tbh. Just screams "yet another govt welfare scheme that's actually just about handing out money to fake charities & not helping the poor". Good Shephard just got on the "do not donate to these grifters" list along with the Salvos😒
#I got a root canal & a heap of skin cancer to pay for on top of this clutch replacement right#& I got it#but there's going to be $100 left in my bank account with this all said & done#& I could use ZIP or AfterPay or whatever if need be#but I figured a no-interest no-fee no-nothing loan would be the gold standard of responsible financial decision-making#& lol turns out the eligibility requirements for a NILs loan are HIGHER than a Buy Now Pay Later (w exorbitant fees) type of loan#how tf can you call that a loan scheme for people on low incomes?#when you gotta be at least middle class to qualify?#the fucking state of Australian welfare agencies istg#& I ain't even shocked atp because this is the response I've always gotten from welfare agencies#they always have some (often very stupid) excuse as to why they can't do what they say they do#I hear so often “oh there's plenty of support for the poor & homeless they just choose to be that way”#but this is the support just fyi#this is why poverty & homelessness still exist in Australia#bc all the agencies & organisations & departments & corporations that are “on the job” are only on the job of securing their own pay checks#with as little expenditure on the poor as they can get away with#auspol#poverty
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how long do you typically spend drawing a comic page? I'm a perfectionist and I have a hard time keeping a reasonable working pace for comics
so I’m actually going to not answer this one (the answer is both less and more time than people think, and it depends) but instead I’m going to give you some advice on how to deal with perfectionism when it comes to making comics
the first thing is to see if you can kill your inner perfectionist, which basically means, can you get comfortable with imperfections? this is something that can be difficult to do, but it can also really take some weight off your shoulders if you can look at a line that’s a little squiggly instead of perfectly smooth and move on from it. there’s a whole page, a single wonky line, is like. fine, especially if you’re doing more than one page.
if not, that’s okay! we’re moving on to the 75%-80% rule, which is: figure out what giving 100% in art looks like for you, then find out what giving 70%-80% looks like. As a person, you can probably consistently give 80% to any given illustration, but doing 100% all the time is going to fuck you up in the long run. If you can get comfortable consistently giving a 80%, you can then decide when you want to crank it up for dramatic effect, or you can save going all in on something fun or a big project. if perfectionism is a hard habit to break, instead try it reframe it as giving a ‘perfect’ 80% instead of 100. it’s all about that overall visual consistency, baby!
comics can feel like doing seven or eight individual illustrations on a page (panels) and some people definitely tackle them this way, and that makes learning what you can consistently give without wanting to shove your hands into cement very important. If every panel is a solid 80%, the entire page looks Good (which means the entire page is working at 100% because you have visual consistency/coherency and that’s what matters)
ideally, you reach a point where you can gauge what a good 80% of what you can give looks like across an entire sequence. for me, Trikaranos is operating at 80% while Ex Voto is 70% (part of it is that Trikaranos is more demanding, while Ex Voto is more casual and vibes based, but for both I put a lot more work into formatting and lettering)
part of what can help with all of this is figuring out a good work pipeline that encourages finishing up a sequence to keep you from getting stuck agonizing on small details
a decent one is this
thumbnails > rough pencils > do tight pencils where you think you’ll need it (I do tight pencils on facial expressions, furniture if there are bodies on it, and perspective shots) > inks > colors > lettering
adjust it based on whatever your own needs are, etc.
what’s imperative to this is that you don’t do the pencils > inks > coloring stages in sequential order, but instead jump around so that you don’t burn your energy through it (in that there’s a drop in quality as you either get tired or start to rush). Jumping around lets you spread out your high energy points and it picks up the slack for when you want to just get it done, but also it forcibly keeps you from spending too much time on one specific thing. (which is why breaking it up into stages is important, instead something like finishing one whole page from pencils to colors and then doing the next one)
when I do single page comics, I usually alternate every other panel, when I do multi page comics, I’ll either alternate entire pages or I’ll do the first and last pages at the start, and then jump around the middle in whatever order I feel like.
whenever I find myself spending too much time on something, I will set a playlist that has either a 15 minute or half hour run time, and when I reach the last song, if I’m still fucking around focusing on one thing, I’ll make myself move in and return to it later. I do this the most with the inking stage so that I don’t over ink something (I find crosshatching relaxing, but it doesn’t often look good because I do too much in one place and it looks bad because it doesn’t work with the rest of the panels and then I have to start over), and then I can go back to a panel with fresh eyes later and decide whether or not more detail is necessary for the whole page to look good, or if it’s fine as is.
and ofc, the most important guideline of all: the Fuck It, We’re Done rule, which is at some point, you may look at a page and go ‘I don’t want to work on this any more, I’m tired, it’s not fun, I’ll be stuck here forever, etc’ and that’s when you put your pencil down, physically move back from the page, and figure out what the bare minimum amount of work you need to do in order for the whole page to be coherent is, do JUST THAT, and post it.
at the end of the day, it’s the whole page that’s important, not all the individual details, so try not to focus on too many small details early on, but instead go back and add them in closer to the end. You can clean up any line art mistakes that are bothering you here at this stage too.
finally, don’t zoom in too close on a digital canvas, especially if you’re doing pencils. there’s no reason for a reader to zoom in close like that unless you specifically want them too, spare your hands the agony of tiny details that won’t be seen when you upload it at viewer resolutions. I know artists who won’t go past 150% because those details won’t show up at print resolutions.
HEUGHGHHH this is so so long, but hopefully there is some helpful advice in there for you, anon
#ask tag#long post#art supply tag#like technically#it’s more like art advice but the same kind of deal#ymmv this is a very professional ‘I have deadlines to meet’ type of thing. because I had deadlines to meet lmao#this is also close to how the American industry pros go about doing it. so. spare yourself the student loan debt#and modify it away to suit your needs
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I wanted to be a psychiatrist that specialized in trans and queer care in general, I got into the majors I needed and was picking my minors and everything. My life is not to envy, me being a NEET or a bedrotter is not a good thing. I could have helped so many people, I would have been one of the only trans-caring psychs in my whole country. But I can't do it, I failed myself and my people I am ashamed of myself.
#oops all personal#still paying off the loan too#didnt even finish one month of it#decaying words#jiraiblogging#jiraiblr#bedrotting#bedrot#girlrot#neet#irl neet#neetblr#neetcore#irl hikki#irl rotting#landmine blogging#landmine boy#landmineblogging#landmineposting#landmineblr#landmine type#disabled vent#actually disabled
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Everything You Need to Know Before Getting Your First Loan
Loan If you’re applying for a loan for the first time, you might feel overwhelmed and confused. Loans can be complex, and it can be tough to understand all the terms involved. However, with a little bit of research and guidance, you can make informed decisions and make borrowing a pleasant and stress-free experience. In this post, we’ll talk about everything you need to know before getting your…
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i think i accidentally got someone in trouble in real life and i feel sort of bad about it
#basically i had to get a 'certificate' as part of my loan preparation that shows i've been counseled on how to pay my mortgage#but the company i had to do it through was actually a debt consolidation agency and i got treated like i needed help with debt#i don't have any debt and i'm pretty responsible with my money but the guy i spoke to ended up grilling me on my financial plans#and also came up with some pretty inaccurate numbers about what my monthly expenses will be#i felt like i got talked down to the whole time and like i was being 'educated' for no reason and i told my lender#and she raised hell with them because like. a lot of her clients use this type of loan and have to go through these people#so now they're reviewing the phone call to determine if he acted inappropriately and tbh i feel like i'm rightfully pissed but also#i didn't expect it to go this far and i only said something to my lender because it bugged me that i had to make an account to get the cert#and now i can't remove my personal information from their portal#so yeah that's been my day
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Pokemon Blight / Blur - Nuvema Gang Character Sheets
Aspertia Trio here.
A group of friends who, two years ago, journeyed the Unova region together; however, an undisclosed incident at the Pokemon League has changed their lives forever. In the absence of their Hero of Truth, they have decided to seek their own paths.
Hilbert Blackburn - An earnest youth from Nuvema Town, and Unova's Hero of Truth. His current whereabouts are unknown, as he's fled the region with Reshiram. Not many people, besides his secretive friends, seem to know the real him- outside of the fact he was very honest about his feelings.
Cheren Slater - Aspertia City's new gym leader, and the trainer school's teacher. He holds the truth to Hilbert's disappearance and what happened at the league that day, but refuses to share. The traveling companion and mentor of the Aspertia Trio.
Bianca Alabaster - Assistant to Professor Juniper and Fennel, and a protege of Lenora and Shauntal. She has a lot on her plate, particularly with investigating the legends of the dragons and exploration of the dreamworld. She has a keen eye for seeing the truth beneath the surface.
Hilda Weiss - A battle prodigy of Nimbasa City and the Battle Subway's most beloved regular, who had started her journey four years prior to the other three; as a result, she's the most experienced, and is considered an Ace Trainer. Somewhat cynical and grounded, but holds all her friends close to her heart.
#Pokemon#Pokemon Black and White#Pokemon Black and White 2#Trainer Hilbert#Gym Leader Cheren#Trainer Hilda#Trainer Bianca#My Art#BW/BW2 Rewrite - Blur / Blight#((Anyway I've been talking about my rewrite for months and making stuff for it little by little but I've also wanted to try. Uh.))#((Making character sheets for everyone.))#((So it's easier for people to find/see.))#((Anyway. I've already explained Hilbert and Hilda's teams as well as Bianca's.))#((Cheren always has a lot of Pokemon on him since. He's the guy I give the most attention to.))#((But I never really gave him a full BW2 party besides the first three normal types he has on him.))#((Cinccino used to be Hilbert's- he left her with him when he went off somewhere.))#((That Stoutland he has is a Lillipup from Floccesy- he met it during his 'healing' arc post-BW pre-BW2.))#((Before he started training to become a gym leader. It's also the same Herdier-))#((-that Nate and Hugh look for in Floccesy that nearly gets caught by Team Plasma.))#((The Watchog is Lenora's! She loaned him to Cheren to keep an eye on his progress- and healing.))#((Cheren is going through a lot of things. Mainly from what happened in N's Castle two years ago and Hilbert's disappearance.))#((The Kuroshipping Divorce arc is essential to the antihibikase Gen 5 experience after all.))#((Oh and the other three Pokemon.))#((Cheren has his Liepard from his BW party- he got it as a Purrloin from his brother Grimsley.))#((He intended to leave his party at Hilbert's mom's place. And he did when he went to Floccesy and Castelia.))#((But Grimsley insisted he take Liepard to Aspertia with him.))#((And the Gorebyss.. is also from Grimsley! It's a 16th birthday present.))#((He even asked if Cheren wanted a scale or tooth with it.))#((Also mainly because I wanted to tie in his water motif more- and Cheren in one of my AUs has a Gorebyss.))
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dont tell your parents you want to move out and be independent because then they'll say shit like "but you're always going to have a roommate so why bother trying to live on your own" and "im sorry you hate us so much that you want to move out" and "you could just be independent living here if youd do what we tell you to do" and imply that anyone that agrees with me is an idiot who just hates them for no reason. the cool thing is theyll say this and then go watch their stupid comedy right after like nothing happened
#i dont think i can afford the apartment im applying for.#my credit card minimum payment jumped way up#i have my car payment and student loan and i have to afford food and medications and i just cant do it#idk what i can do#i need out i cant live hwre any more i know i cant#i dont know where else to say this stuff#i dont want to worry people irl i guess#credit cards are so fucking evil i wish i understood what debt would actually be#im gonna make it out alive anyways#sorry this isnt my usual type of post i need to document this kind of stuff in some way
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i love jaijin
#I hope u guys think of me as the number one insane jaijin fan#I made a spelling mistake in Korean and he bullied me for it the other day#i spelt toast instead of test either because i was typing too fast or autocorrect or something#i didn't notice#i wasn't even replying to him#and he replied to me with 'I love toast. Yummy'#but what's funny is he's constantly making typos and spelling errors#one time i asked my friend what something meant and she said whoever wrote it mustn't be very good at Korean#AND HE WAS THE ONE WHO WROTE IT#테스트 is test and 토스토 is toast#I guess I skimmed over it because it's a loan word and I wasn't thinking straight
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Sometimes you gotta just take the most gender conforming boring blorbo and shoot the transgender beam at them for no other reason than that it’s fun to do so
#at the moment it’s pheonix wright#he’s just the type of guy who doesn’t realize he’s nonbinary until he’s like 37 bc he doesn’t realize that having no gender feelings#-is not normal#or seeing him try to save up for top surgery but with his student loans and trips to the hospital to rival markipliers#so he wears a binder until like 35#his hobo outfit is very bad dysphoria day core#transgender
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Weren't allowed stuffies.
Mom called the psych unit AHEAD of time
#spirits pointed out the initiated one.#he told us to PLEASE not throw up in the communal area#our bad.#ceci#(grandmas nicknames) mima#izzy educated everyone on narcissists and the type of abuse they can conjure up in the right positions#i educated about the system#jessie bitched about the rules#bren sang#dont forgot all of us loudly calming down our little and educational discussions about bowl movements while in actuve trauma responses.#*active#circle :)#we have epileptic seizures and non epileptic seizures#educational#apollo#even told the doctor who negotiated our release from not only the pen but the psych ward that she filed a restraining order#we got more drugs because we COMMUNICATED.#walked us out of the building:] daddy called the sherrifs office to get our dog and the important stuff#safely at Daddys grandmas house where she will be helping us get a propper home using her husband's 401k (loan and cash up front)
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