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mariacallous · 6 months ago

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The Tax Cut and Jobs Act (TCJA) of 2017 aimed to increase business investment by cutting costs for business. Indeed, the legislation has been routinely described as having created the largest business tax cut in the nation’s history. It cut the top corporate tax rate from 35% to 21%, cut the top rate for many non-corporate businesses from 37% to 29.6%, and temporarily allowed firms to deduct the entire cost of certain investments as a current expense rather than depreciating it over time. All these changes reduced the after-tax cost of business investment.

But did these changes significantly boost investment? If they did not, the central raison d’etre for the corporate and business tax cuts disappears. Policymakers could then adjust these cuts and gain a viable revenue source to address historic and persistent federal deficits, all without unduly hurting the economy.

Certainly, TCJA supporters have “claimed victory” on the investment front. And in fact, careful recent research finds that TCJA raised real corporate investment in equipment and structures by 8 to 14%. But such investment accounts for only about half (54% in 2016) of aggregate investment. The rest consists of investment in equipment and structure by non-corporate businesses and intellectual property (IP) by both corporate and non-corporate businesses.

Perhaps surprisingly, several perspectives suggest that aggregate investment was not markedly influenced by the TCJA. First, the Act substantially reduced the cost of capital for investment in equipment and structures. But Figure 1 shows that aggregate real equipment investment rose only slightly as a share of real gross domestic product (GDP), from 5.9% in 2015-16 to just over 6.0% in 2018-19, and that investment in structures was the same share of GDP (3.1%) in those two periods. (After 2019, the COVID-19 pandemic and the massive fiscal and monetary response make it difficult to isolate the impact of TCJA on investment.) In addition, the International Monetary Fund found that investment growth after TCJA was smaller than would have been expected based on previous corporate tax cuts, instead explained by increases in aggregate demand.

Investment in IP grew faster than in equipment and structures. But unlike equipment and structures, IP investment had risen steadily in the years before TCJA and that trend essentially continued after TCJA. Indeed, some provisions of TCJA raised the cost of IP investment, so the law is an unlikely source for growth in this area.

Second, comparisons of Congressional Budget Office (CBO) investment projections with actual investment data show similar patterns. In early 2017, after President Trump took office and before TCJA was introduced, CBO projected that real investment in equipment and structures would rise by 8.3% from the first quarter of 2017 to the final quarter of 2019. The actual increase was only slightly higher than that estimate—8.6%.

Third, comparisons of investment across countries similarly do not show significant impact of the Tax Cuts and Jobs Act. Figure 2 shows that, after 2017, the change in investment as a share of GDP in the United States was not exceptional compared to other Group of 7 countries (G-7 includes Canada, France, Germany, Italy, Japan, and United Kingdom). Although the U.S. economy had the second-highest growth rate in investment/GDP from 2013 to 2016, investment growth was not exceptional from 2016 to 2019. Indeed, the U.S. economy had only the fourth highest growth rate (essentially tied with Japan) in investment/GDP from 2016 to 2019, incorporating the period after the TCJA. Other than Japan, none of the other G-7 countries had major business tax reforms during this period.

Likewise, growth in U.S. investment in real terms (rather than as a share of GDP, not shown) from 2015-16 to 2018-19 was also unexceptional relative to other G-7 economies. Real investment in the U.S. economy grew about the same rate as in the United Kingdom, faster than Japan and Canada, but slower than Italy, Germany, and France.

There are two ways to make sense of the fact that, as a share of the economy, corporate investment in equipment and structure rose but aggregate investment did not: Either other factors reduced aggregate investment and offset the gains created by TCJA, or the TCJA reduced investment among non-corporate firms.

Certainly, factors other than the TCJA reduced investment over this period. Rising trade tensions and tariffs slowed growth. Estimates suggest that tariffs reduced GDP by roughly 0.3 percentage points relative to baseline in the short run. Industry-specific factors also played a role, such as delayed deliveries of Boeing’s 737 MAX plane, which reduced investment growth by 0.5 percentage points in 2019.

But fiscal policy was expansionary: Estimates find that the Bipartisan Budget Acts of 2018 and 2019 boosted GDP growth by between 0.75 and 1.75 percentage points. In addition, monetary policy was more accommodating in 2018 and 2019 than had been predicted pre-TCJA. When TCJA was enacted, Federal Reserve Officials projected a federal funds rate of 2.7% at the end of 2019, but it ended up being substantially lower at 1.625%.

The net effect of all these non-TCJA changes on investment was probably positive. They cannot explain the divergence in investment results.

That leaves the other possible explanation. The TCJA increased investment by firms with larger tax cuts, but those changes crowded out or came at the expense of investment by non-corporate businesses which received smaller or no tax cuts. In a nutshell: For a given investment project, the after-tax return increased by a greater amount for firms that received bigger tax cuts, so their ability to invest would have increased by more than firms with small or no tax cuts. They could expand at a lower cost and could have driven out the firms that got no or smaller tax cuts, since those firms faced a higher price of capital, material, and labor but no or smaller tax benefits. Under this interpretation, TCJA changed which firms did the investing but did not necessarily affect the overall level of investment. That is, TCJA reshuffled investment among firms.

The data support this alternative explanation. Kennedy et al. (see Figure A-7, Panel D) show that the ratio of investment to lagged capital fell from about 5% in 2017 to just over 2% in 2019 for S corporations, which received a smaller tax cut under TCJA. That ratio for similarly sized C corporations (who received a larger tax cut) followed the same trend through 2017, then rose to about 8.5% in 2019. These results imply a significant reallocation of investment from S corporations to C corporations.

Taken together, the available evidence suggests the TCJA largely failed in its major objective: It did not significantly boost aggregate investment. This also suggests that moderately raising the corporate tax rate would not adversely affect the economy, since business income in any year is largely the result of investments made in the past. In other words: Cutting the tax rate even more now would create substantial federal revenue losses that largely finance windfall gains to business owners who have already made investments. Policymakers could safely increase the rate and raise significant revenue. CBO estimates that raising the rate to 28% would raise $881 billion over the 2025-2034 period.

No policy is perfect, but the TCJA experience indicates that adjusting the corporate and business tax cuts in TCJA would bolster federal finances without significant costs to the economy. It might even help it.

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from-izzy · 2 years ago

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THIS SUMMER... | THE BOYZ LEE JAEHYUN | HYUNJAE

» PAIRING: tbz lee jaehyun x fem reader

» TROPE/AU: don't think there's a trope for this one 🤔 established relationship au!

» GENRE: summer break, holiday with friends, boyfie hyunjae, hyunjae's cute curly hair makes an appearance!, very fluffy patient hyunjae, very cute hyunjae, comforting and lovely hyunjae, summer holiday cause we all deserve to rest, maybe around...4/5 comfort level (in my standards!), hyunjae tucks your hair behind your ears, reader blushes because of boyfie hyunjae, long-haired reader who uses her hair to hide from hyunjae, standing infront of the mirror together as you both face your insecurities (hyunjae is also taller than you)

» WORD COUNT: 6384

» ESTIMATED READING TIME: ~25 mins

» WARNINGS (lmk if i missed anything!): insecurities, weight and body image

repost for @deoboyznet's 📢❤️ first house event!

just went back and fixed up the grammar and writing mistakes (there were a lot, i don't know how i missed it 😭)

Summer holds a very soft, warm spot in your heart.

For one, it’s the way the season is conveniently placed in the middle of July to the end of August which is the best time to destress after almost half a year of studying your ass off.

Secondly, it’s the way that you would shout “cannonball!” whilst you and your friends linked hands and jumped into the backyard, outdoor swimming pool.

Thirdly, it’s the way that you can flexibly work your schedule for a short amount of time: waking up, sleeping whenever you want to, studying when you want to and hanging out with the same friends when you want to.

Fourthly, it’s the way that every single food tastes so much better in the sunny summer compared to other white winters, the sneezy spring and the awkward cold-but-not-too-cold autumn.

But it’s also the way that you met your boyfriend in this beautiful season two years ago when he transferred to your school, alongside the fact that he shyly (but confidently, at the same time) asked you to be his a year ago at your favourite beach. You remember the way his cheeks flush with surprise when he turns back upon Younghoon and Jacob’s mischievous giggles, telling him to turn back to see you stare at him in bewilderment. The truth was revealed later on that your friends plotted the confession, complaining about your blindness of the lovesick eyes that you both sent to each other yet doing nothing about it.

To celebrate your last high school summer break together, Jaehyun’s closest two friends, Younghoon and Jacob, would come together with your slightly bigger group to spend a little four-day, three-night getaway at Jeju Island.

All of you have been talking about this for ages and how it would be a fun treat for making it through the last decade of compulsory high school and to give an encouraging pump for the last half a year left before you all finally become adults and take your own pathways. You all saved money like crazy even when you all reached the budget that is needed (you never know what could happen!) and the exciting day finally starts off tomorrow with Jacob driving one car while Seoyoon drives the smaller 4-wheel drive. It’s a shame that they couldn’t find a single car for all six of them at a reasonable price but they are all thankful for the opportunity to even share these memories together.

“Are you all ready for tomorrow?” Your mum peaks in after she knocks on your bedroom door. She was just as excited as you are, seeing how much you worked so hard both at school and your efforts on saving money for the last three years, “Give this to Jaehyun for me as well.”

“Hm?” You took your eyes off your still messy luggage to see, what you assumed to be, a black leather jacket that was folded neatly with a red ribbon wrapped around it; don’t forget the simple small card with his name on it, slipped in the middle of the ribbon.

“It’s his birthday gift. It was his birthday recently, right?” Your mum’s considerate act made you smile brightly and you jumped up from your knees to give her a tight hug. With your arms around her neck and your neck on her shoulders, you squeal in happiness, “Okay, okay I get it, you love him very much.”

You jump, still in your mum’s arms with your head in the clouds as you picture your loving boyfriend that you will be able to spend time with nonstop for the next four days or so, “I really really do. He’s just so perfect, mum.”

“Yes, yes. I’ve heard this way too much. Now let go of me, child. You need to finish packing.” Your mum rolls her eyes playfully and you know there was a big smile plastered on her own face with the way her words were delivered so clearly.

“Okay, okay.” With a quick kiss on her cheek, your mum disappears to the other side of the door. You let out a sigh of happiness, putting Jaehyun’s gift next to your luggage as you imagined how cute, good, hot, handsom---

“Also,” You jump a bit, hands on your chest when your mum surprised you this time with no further notice of her presence, “stop stealing his clothes.” You just giggle guiltily as her uninteresting eyes direct themselves to your overfilled, messy closet, “One, you already have a lot. Two,” back to your giddy figure, “he’s going to go broke.”

The whole house was sleeping, recharging from their own personal tiring events from the day. You should probably be too as you’ve all planned quite an early morning to get the most out of your holiday together. Instead though, somewhere in the middle of your packing, you couldn’t help but call your boyfriend, “Can you…”

“Hm?” Jaehyun on the other side of the line was also about to call you earlier and his face lit up when your name popped up on his screen, the familiar and specific ringtone bouncing around his four walls excitedly, “What’s wrong?”

The both of them curled up in their own respective beds with hushed voices full of love and adoration. Their phones were near their own faces as they lay down on their side to face each other’s respective profile pictures on their phones. At first, they wanted to do a video call but Jaehyun adamantly refused as per experience, they would not be able to sleep until about an hour before they were supposed to wake up. As much as you both know that you (probably) shouldn’t be doing that during school times, sitting next to each other during recess and lunch, with your head resting on his shoulder and his on top of yours as you both tried desperately to recharge quickly for the next periods, you both concluded that those late night (early morning) talks have always been worth it.

“Can we just…not sleep tonight?” You offered, your cheeks red as you pulled your blanket further up your face to hide as if Jaehyun could see you over his phone, “And just talk?”

“You know we shouldn’t, bubs.” Jaehyun hums, whispering back to you softly, “Plus we will literally be together for four days.”

“Well,” You grumble, sighing out as you finally voice the rough mathematical sound in your head, “technically less because we won’t be in the same room and then after that, there will be toilet breaks and then we lose milliseconds when we blink our eyes and then we won’t be in the same car as well, which is a big deal and it’s ju---”

“Okay okay, so maybe it’s not for a full ninety-six hours.” Jaehyun’s amused chuckle made you softly smile again, closing your eyes to focus on his comforting voice, “But we should get to sleep now, hm? Let’s just keep the phone on, okay?”

“Ah! I forgot to tell you abou---”

“Bubs.” Jaehyun scolds you playfully. You could make out the grin on his face and the way his eyes form little crescent shapes as you just whine about not wanting to fall asleep yet, “Tell you what.”

“Hm?”

You make out the shuffles from the other side of the line, telling you that Jaehyun is getting into a more comfortable position. This made you kick your legs and squeal into the phone as you knew what he would say next. Jaehyun shakes his head at your obviously delighted response. He sits up on the bed, laying his back on the bed frame. With his phone on his lap, he continued to make his little ‘deal’, “I’ll sing and you sleep.”

“Fine.” You rolled your eyes but the tone of your voice gave away what you truly felt, “Night, Jae.”

“Goodnight, bubs.”

You woke up refreshed, the tune that Jaehyun sang to you last night replaying in your head. You forgot to charge your phone last night so when you said ‘good morning’ and didn’t receive a response back, you were worried that something happened to the other line. Quickly jumping out of bed to reach for your power bank and starting your phone up with a series of impatient ‘come on, come on’, you thought you could beat your boyfriend’s text first.

With a bear and a heart next to his name, your notification showed the ‘good morning, sleepyhead.’ and the ‘beat you to it first, bubs.’

You slap your forehead gently to scold yourself. Forgetting to charge your phone overnight during an overnight phone call isn’t new to you and you made a bet with Jaehyun that the next time it happens (which is, just then), you would be the first one to send him a ‘good morning’ text, beating his unbeatable strike of twenty-three.

“Well, that’s twenty-four now.” The heartwarming feeling spreads through your body again and the smallest things that Jaehyun did made you feel so loved that you felt that you were out of this world.

You plop back down on your bed, stretching your arms out to the ceiling with your phones in your hands as you watch the ‘ringing’ switch to a stopwatch to show the duration of the call, “You beat me.” Jaehyun chuckles through the speaker mode.

“Good morning to you too.” You see the request to turn the voice call into a video call and you pick it up immediately, “Ah, my girlfriend is so pretty in the morning.”

“Lee Jaehyun, stop.” You pull your hair over to hide your face, peeking through the gaps to see him blow a kiss at you. You blew one back, your cheeks still flaring red and warm, “If I look pretty then you’re a masterpiece.”

“As if.” With the new angle of the phone facing towards the ceiling, you observed the way that your boyfriend enters a new room, turning on the lights to start his morning routine. Jaehyun puts his phone against his bathroom mirror but due to his height and the lower table, you can no longer see his face. But you didn’t need to see his face to know what he was going to do.

Your regular morning and night phone calls served as a kind of ‘get ready for’ something together and it also allowed you both to become more comfortable with each other during your first stages of dating. When you were just friends, these calls weren’t regular and only happened when you both needed to get something off your chests, or maybe rant about a nightmare that you had and needed some comfort. When you both started dating, it naturally became a regular thing you both indulged in, spending hours studying or watching movies together at night and spending your morning hours together before you hung up when you both were back to each other physically.

So you knew very well what Jaehyun was going to do when he let out a loud exhale and plugged his hair straighter into the power plug on the wall where the phone was near, “Straightening your hair?” You didn’t ask this question often. Most of the time you asked is either because you both weren’t currently talking or were too busy in your morning routines.

“Yeah.” He lets out a loud exhale and you observe how his chest leans forward toward the mirror, presumably to take a better look at a part of his hair that is already straightened, "Just…" another sigh, "yeah."

You nod at his words. Turning over to lay on your stomach to be in a more comfortable position, you just watch Jaehyun's arms moving left to right, up and down as he readjusts his hair with the help of his mirror. The series of 'tsk' from the other side of the line made your heart clench and you couldn't help but reassure him, your chin resting on your arm, "I love your curly hair, Jae."

You know how much Jaehyun gets insecure about his natural hair sometimes. The very first time you saw it was when you arrived at Jaehyun's house really early when you both were only friends. He opened the door for you to wait inside but due to his nervousness about unexpectedly having you over and walking to school with you for the first time, he forgot to finish his morning routine.

You remember greeting him with a shy smile and 'good morning' and he didn't even get the chance to say it back because your eyes travelled up to the very different hairstyle he has compared to the one you see at school. No need to say, he shut the door on you and the whoosh of wind left you stunned at the front door for a while.

When he opened the door again, you sweetly smiled at him, complimenting the natural shape of his hair. His worries about you seeing him as different (and possibly in your eyes, ugly) all disappear when you offer to straighten his hair for him.

Lee Jaehyun was a tomato throughout it all, especially when you said you like boys with curly hair. Like, what was he even supposed to do with that information?

"R-Really?" You lift your chin, coming closer to the phone screen when Jaehyun's face comes into view, "I-I just…I look so ba---"

"You look gorgeous." You quickly interrupted and you relaxed when Jaehyun let out a genuine sigh of relief. You took note of how his smile grew and his eyes looked at you thankfully, "I promise."

He retrieves his phone back to his hand and places his now gleaming face in the middle of the screen, "Thank you." He blew a kiss to the screen and you returned the gesture back before finally starting your own morning routine before Seoyoon arrived.

It's only around thirty minutes later when Seoyoon texted her arrival and you scurried down the stairs with all your necessities chaotically, "I think I'll hang up now. Lyla will not let me live otherwise."

"Yep, even though she's the biggest contributor to our relationship." Jaehyun remarks, "See you soon, bubs."

"Love you, see you soon!"

You turned off your phone, pocketed it safely and dropped your luggage in the trunk of the car. Hopping in with an excited feeling, you were quickly attacked with your own words that you said a couple of minutes ago.

"Love you, see you soon!!" Lyla imitates you, a series of eyebrow wiggles and teasing smiles on her face when she turns her body over to face the back seat where you just groan and roll your eyes.

"Hey. You and Jacob aren't any better." Seoyeon defends you swiftly and you poke your tongue out at your now-defeated friend.

"They're so cute, it physically makes me sick." Your backseat partner, Sua comments.

You squint your eyes at her, "I'm not sure whether that's a compliment or not but I'll just accept it and move on." Seoyeon watches her best friend from the rearview mirror, nodding and clicking her tongue in approval while humming in thought, "What?"

"You and Jaehyun are perfect for each other indeed." Seoyoon starts the engine again, turning up the music to a desirable amount for the hour-long trip to the resort.

You blush at that, murmuring to yourself, "He's perfect for sure."

The holiday just started and it’s already so much better than you expected. While waiting for your gate to open, you pass Jaehyun’s gift from your mum, your boyfriend putting it on straight away despite the warm weather and sending a video message to your mum in gratitude. Lyla also planned a 'little' daily schedule for you all to follow the past few days. The later bloomers were not particularly happy with starting the day at nine and ending it at eleven on the same day and through choruses of opinions, she scrapped the idea and reduced the amount of group activities. You reassured your best friend that you would still do the main things that she wanted to do together and you were satisfied with the way she tackled you down on the bed in happiness.

Other than that, you all did an awesome job at finding this beach house. The location of the beach house is convenient and with the time of the year, a lot of night markets and activities were planned each day to celebrate the warm season. The area is filled with other couples and not so surprisingly other students who are enjoying their short freedom before they have to bury their whole bodies underneath a pile of books and practice exam papers.

“We’re finally here!” You all walked out and breathed the minty fresh air and salty sea as you stepped out of the airport, “This is so exciting!” Sua pulls both you and Seoyoon by the waist, squishing you three into a tight hug, “We’re going to have so much fun.”

You chuckle and affirm her words, “But let’s get the car first.”

Jacob points to the familiar plate numbers and along with Seoyoon, figures out the final arrangements, all the terms and conditions before finally attaining the keys from the person in charge.

“Can I---”

“No. You already spent like an hour with him on the flight.”

Sua gives you a deadpan look and Lyla pushes the girl lightly, “Just let her go. Jaehyun is looking at us with puppy eyes as well. Go with Jacob though, don’t want to see you two being all lovey-dovey.”

“Ew.” Sua throws her head back and jumps out of the hug, “You know what you both go in Jacob’s car. I’m going to go with Younghoon and Seoyoon.”

You took Lyla’s hand with your chin held high, teasing Sua’s look of grimace, “Not a problem with me.” As you were about to grab the handle of your wheel bag in another, Jaehyun ran to your side and beat you to it, giving you a quick kiss on your cheek.

His smirk grew at the way your cheeks grew red at the lingering feeling of his lips, “You weren’t giving me any attention.” Lyla squeals and runs away from you to hug her own boyfriend instead. Still frozen and shy at the unexpected act, you turned your head to the side with raised eyebrows, a gaped mouth and being absolutely speechless, Jaehyun shrugged innocently, “I was getting kind of lonely, bubs.”

“Lee Jaeh---”

Another kiss this time was given straight to your lips, muffling your complaints.

“Wha---”

Your internal body temperature is rising to be as hot as the summer heat and Jaehyun knew that he needed to cool you down or else you were probably going to murder him for making you so flustered in the middle of the walkway entrance of the airport door. He dips his head down once more to ghost over your plumper lips and before you can say anything else, his palms land softly on both sides of your waist, encasing you in his hold. His thumbs soothe down the sides of your body particularly along your ribs as you gasp from the delicate touch before he dives in to kiss you once more. Your own arms lift and you cross your wrists over on his nape, pulling him closer and responding to the kiss.

You felt nervous as you were out in public, tens of people just walking by or just standing around, but it all dissipated when you felt his breath on your lips. The kiss itself wasn’t heated like some of your other kisses with him but rather sweet and gentle. His lips would hug your lower lips before pulling away a little bit and hug your upper lip instead, relishing the way you would respond to him as a smile grew on both of your faces. He would do those little nudges and brushes with his nose on yours and you giggled as it meant that his playful self appeared to replace his flirty self.

“A bit jealous?” You asked him with your foreheads against each other.

“No.” Jaehyun smiles so widely when you both make eye contact, so much so that his cute little eye wrinkle smile makes its appearance, “A lot.”

That's how Jaehyun showed his love to you throughout the trip. It would also be holding hands whenever you both could, filling up your plate with more food whenever it got empty, making you walk on the inside of the walkway, dropping you off at your room door as if it wasn't just across and a little bit of a turn to his own room with the other boys, reminding you that you're beautiful and that he loves you every day.

Just.

You love this man. So much. With all your heart.

And Jaehyun knows that. From the way you would use your palm to block the side of his face due to the wind, to how you would give him the first bite of your ice cream, reminding him to put more sunscreen and applying it to his face every so often, to the way you sweetly kissed him on the lips as you both rested for the night.

He loves you. So much. With all his heart.

He managed to prove to you that every single day for the past two years you were friends, the past year and a half when he developed a crush on you, and the last year ever since you confessed your feelings to him back after him.

But you see, it's just unavoidable that you would still have those times alone when you would look at your body and feel self-conscious about it. You're human after all. It's normal to have a drop in confidence sometimes but the stereotype of girls in summer with their tanned skin, humongous sunglasses and revealing bikini got to you sometimes.

Your boyfriend is a godsend. It's no secret that girls would crush on him and the boys want to be him. I mean, with that kind heart, sexy brain (and body) and handsome visuals? Seriously, what did you do in your past life to receive this much love from a single person?

"You're not changing?"

Snapping out of your daze from your messy luggage, you could see your three friends all in their own choice of swimsuits and bikinis under their beach towels and robes. Seoyoon stares at you worriedly through her pink sunglasses.

"Um." You try your best to show a genuine smile, "I'll be there, just trying to swallow down that heavy lunch. You guys go on ahead."

You would be stupid if you thought they would believe that. Six years of friendship with a punt lie like that? Absolutely not. But they didn't question you further as you just bit your lower lip, feeling your confidence drop down once more. They know you just wanted to be alone after telling them that you felt sick and that you ate so much after lunch.

This is the part of summer that you hate.

As much as summer does hold a soft spot in your heart, sometimes the reminder that the sun is made out of fire literally made your head hot due to the overthinking that you always did somewhere along the way before you stepped into any type of swimsuit.

Deciding to succumb to your thoughts for a little bit, you sit down on the edge of the bed in defeat. You look out to see the sun's circumference not too far away from kissing the edge of the ocean and you could feel yourself starting to cry as you tried to push your dark thoughts away.

"Come on." You pleaded with yourself to pick up a swimsuit, any swimsuit, so that you can go meet with the others and watch the sunset together by the beach before you would all need to pack up and go back to reality tomorrow, "Please…" You whimper in desperation.

The balls of your feet step onto the side rail of the bed and you begin to sob, your arms wrapping your abdomen tightly in frustration. The water runs straight down from your eyelashes to your thighs and those droplets eventually make their own path from there as well.

You want to see the sunset as the beach water splashes and hugs your lower body. You want to see the sunset with your friends and your boyfriend together as you maybe do a little water fight against each other. You want to see the sky turn its bright colours to darker hues that signal younger children to turn their devices off and go to sleep.

You want to do all that so badly.

You released all your pent-up feelings through your tears and the cawing seagulls constantly reminded you that you were running out of time as the circle in the sky would eventually just sink and it would not stop or wait for anyone or anything. You managed to be in a swimsuit on the other previous days. So why now? When this whole little "let's see the sunset together in the water" was your idea. Why? Why why why---

You shouldn't have eaten so much in the last few days, feeling the difference in your stomach but also outside through your own eyes. So still with these burning thoughts and blurry vision, you just close your eyes, shove your hands into your suitcase, and take the first cold elastane fabric in your palms and change into it. Throughout your trip, you would plan your outfits with the help of the full body mirror that was placed behind the door, taking selfies with your friends as you all pulled funny faces together.

This is the only outfit that the mirror didn't see and the camera did not have save, and you didn’t think anything or anyone could change that. Quickly, you grab an oversized shirt, pulling it over your body to quickly realise that it's one of Jaehyun’s that you stole. You chuckle between your ragged gasps for air, sitting down on the bed again to continue your cries for a bit more. Before you can even hug your body once more, the knock on the door makes you whip your head backwards towards it.

"Bubs? Are you okay?"

You whimper at the familiar voice behind the door and you shake your head, not trusting your ability to answer verbally. Of course, the door isn't transparent and Jaehyun himself is only human too and understandably, your lack of response only makes him worry more.

"Hey…I'm going in alright?" The door clicks open with that and you hurriedly wipe any last bit of tears on your face, running your wet palms along the clothing that covers half of your thighs. You still couldn’t help your sniffles though and it was enough to have the smile on Jaehyun’s face and his soft steps to change quickly, “Hey, hey. What’s wrong?”

You only shook your head in response, your fists clenched the shirt in frustration as you began to drown in your own thoughts as well. Jaehyun kneels down in front of your downcasted head and if you looked up, you would be able to see the sad smile, the way his eyes gaze at you with patience and love. Carefully, his hand reaches out to your now-white fists. His fingers lay on the back of your palm while his palm lays on your knuckles, his thumb soothing the exposed sides of your pointer finger.

He made his presence to you with small, gentle steps from there: tucking your hair behind your ears, making a joke about how he thought he lost the shirt you were wearing, and letting out a harmonious chuckle when you responded to his joke. With time, he even manages to let your hands go off his now crinkled shirt, holding both your hands instead.

"I'm sorry." Is the first word you said when you broke the silence.

Pouting at that, Jaehyun leans forward to kiss your tired knuckles, "Don't be. You haven't done anything wrong."

"I have…" You whisper guiltily, "We missed the sunset right?"

"Hey, don't you think about that right now, okay?" He shakes his head at your worries, "That's not important. What's important is why you were crying alone and feeling sad about something."

"I'm just---" You sigh exasperatedly. Your eyes haven't met Jaehyun, just taking in the way your hands were between his. The changes in your physical appearance made you so weak and frustrated, "I just don't feel good about my body and you're literally so perfect and I just can't keep up with how perfect you ar---"

"Stop, don't say that about yourself." He lets go of your hands, scooting over and straightening his back. You close your eyes, sniffling once again as you feel your boyfriend's hands cup your cheek, lifting your messy face to him. He wipes the rest of the tears that escape from your eyes with his thumbs, leaning to press kisses on both your eyelids in an attempt to ground you back.

You open your eyes to see the love hearts that swirl around his eyes freely, the crease between his eyebrows and the somewhat serious face he has on.

"He's mad at me…" and you bit your lip to contain your assumptions to yourself, scared that Jaehyun would affirm it and want that could result, "Please don't leave me."

"I wo---"

"I'll make myself look better in every way possible, just please give me time."

"Bubs, what are you talking about?" Jaehyun shakes his head at your rant while his head tries to pick up the pieces together to make a sort of confusion, "You're perfect as you are. Don't ever change yourself for anyone. Including me."

"But those girls are so pretty, Jaehyun and you would look so much better with them. Or maybe with me if I was somewhere on their lev---"

"Please look at yourself the way that I see you through my eyes." It was soft, almost like a hush. But you catch the way his lips move when you go on a tangent and you stop yourself from going further.

Jaehyun stands up, making you stand up as well and brings you in for a hug, his hand behind your head and the other around your waist. You let out the rest of your tears on his chest, punching him lightly while your palm pushes your stomach in frustration.

Jaehyun doesn't care about your punches to his chest but he immediately catches your other hand, pulling it away to the side of your body. His hand wraps itself around your wrist tightly, stopping you from pulling it back, "You're gorgeous." His hold on your body tightens as he recites the words that you said to him a few days ago through the latest video chat you both had, "I promise."

"Jaehyun…"

"I don't care about other girls. Who cares about them? When I have such a gorgeous girlfriend inside and out and bonus for me, loves me for who I am?" Jaehyun puts a small distance between his chest and your face, gazing down at you and planting a kiss on your forehead, "Wait here for a bit?"

You nod at the question and he leaves to go to the bathroom. While he left, your eyes went back to the view outside the window and you could predict how much time had passed as the circumference of the sun started to really make contact with the ocean. The guilt settles in again and you curse yourself for ruining the last group event of the whole trip.

But before you could really drown in the darkness again, Jaehyun stumbles out of the bathroom and you gasp at his wet hair and the darker spots on his shirt due to the water. You walk over to him, your mouth moving in different shapes though no voice was heard.

Jaehyun chuckles at the way you retrieved a towel and laid it on top of his head, beginning to dry his brown hair with circular motions, "Thank you." He takes the towel with one hand, continuing the motions himself while his other arm snakes around your waist to pull you back to his chest.

You rest your chin on his left pectoral, observing the little curls of his hair starting to make its appearance and you smile fondly at how it would disappear underneath the towel and reappear again. When Jaehyun puts the towel around his neck, you couldn't help but reach out to play with one of his curls, trapping the strands between your thumb and pointer and gently tugging it, straightening the strand until the end, only for it to retract back to its formal shape.

"Having fun there?" Jaehyun comments when you do the same action to other strands of his hair. Slowly, a joyful smile comes to your face and he feels relieved at the pretty sight, "Come here for a second."

He led you to stand in front of the mirror and you immediately turned back to hug your boyfriend, scowling at how messy you looked, "I think I just saw a ghost." You complain, hiding your face in his chest.

"Oh?" Jaehyun gasps out dramatically, "What where? I hate ghosts but I'll protect you!" Just like before, he held you close with both of his fingers intertwining behind your back.

You both stayed like this for a moment longer. Jaehyun's heartbeat calms you down and you exhale in contentment at the way he starts to sway from side to side slightly. The familiar scent of your shampoo, unknown to you, makes him feel the same calmness as well as he faces his insecurity head-on through the mirror.

You took notice of how Jaehyun's body felt a bit tense compared to how it was with your last hug. From the lower side angle, you can see the way that his jaw tenses at the look that the mirror is giving him, gulping at his own reflection. Turning your body around to face the mirror, still within his hold, you ignore how much you hate your own reflection, staring at your boyfriend's eyes instead.

Too deep in his thought, you rest your forearms on top of his, this time your palms on top of his like how he did before, "Love your hair, Jae."

You can see the slight flinch when your voice pulls him back to reality. You blush when he dips his chin down to your shoulder, whispering his own words to your ears, "Love your body, bubs."

The mirror showed the couple's full body, including the parts of themselves that they each hated the most. But the mirror also showed the both of them together as they embraced and basked in each other's love, reminding the other that their insecurities were valid but that they still love the other the same way.

You realise that when Jaehyun washed out his hairspray, using a towel to dry his hair to make his natural hair come back instantly. You realised once again that Jaehyun is truly in love with you, so patient and so kind with your journey and the smile that grew on your lips which each realisation made Jaehyun blush and bury his face onto the crook of your neck.

You remind yourself internally at this moment, as you face yourself straight into the mirror, "I'm enough and I'm gorgeous." And the deep inhale of the cold but warming air that enters your lungs, untangles Jaehyun's hands and with no pressure, places itself on your clothed stomach. He presses a kiss on the underside of your jawline, whispering sweet nothings to you.

You turn your head to face him this time, not through the mirror, the tips of your noses together, your eyes closed and your mind at peace, "Thank you."

"No, thank you." A shake of his head and a kiss on your lips, "For loving me and treating me like I’m perfect."

“You’re perfect in my eyes.”

“Took the words right out of my mouth.”

You were able to watch the upper half of the sunset with your friends at the beach. Seoyoon, Lyla and Sua could see the tranquillity on your face and they looked at each other, sending nods, knowing that you were fine and doing okay now. Just as you wished, you were able to fully feel the salty water around your entire body, leaving the oversized shirt somewhere on the big volume of sand behind you.

All of you know that this trip was way better than you had expected. It would be a trip that you would talk about and look back on for the rest of your life. It's a summer memory that you will hold on to not only because all your hard work in your jobs paid off, or your first trip with all your friends and boyfriend without supervision, or how Jaehyun loves you dearly.

This summer taught you that you love the people in your life right now and how fast time goes by as you surround yourself with them.

This summer gave you confidence that you will be able to go back and study more when you're back and pursue whatever it is that you want.

This summer taught you that you're enough as you are and that you should be kinder towards every part of yourself, to treat your body for going through all the hardships that life has given you.

This summer also made you fall in love with Lee Jaehyun deeper and you are sure that your relationship will grow further and stronger from now on.

You can't wait for the new things you'll learn next summer but that's something for later. For now, as the sun continues to set further and you all run back to land to set up a group photo with the scene as the background, you envelop yourself within the bounds of Jaehyun's arms.

"Love you." You quickly kiss him before turning back around to pose for the camera.

"Love you more." He squishes in audibly before the camera snaps.

Oh, how you'll remember this summer.

tags: @deoboyznet 📢❤️

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travelblogs65 · 2 months ago

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Travel Blogs That Show Every Corner of the World

Looking for real stories, useful tips, and honest guides from every part of the globe? Travel Blogs are the perfect window into the world. With personal insights and local tips, a good Blog About Travel goes far beyond tourist brochures. Let’s explore how these blogs help travelers and how you can use them to plan your next adventure.

What Makes Travel Blogs So Helpful Today?

Travel Blogs have become go-to sources for millions of people. Whether you’re a first-time traveler or a seasoned globetrotter, these blogs share real experiences that help in making better travel decisions. They often include:

Personal stories and first-hand experiences

Tips on where to stay, what to eat, and what to do

Hidden gems that guidebooks often miss

By following Blogs Travel lovers write, you don’t just learn about the “what,” but the “how” and “why” of each destination.

Get Real Advice from Real Travelers Online

What makes Travel Blogs better than commercial travel sites? Authenticity. Bloggers share real journeys — the good and the bad — making it easy to trust their tips. From losing luggage in Paris to finding secret beaches in Bali, it’s all raw, relatable, and useful.

Want to know the best time to visit Iceland or how to avoid tourist traps in Rome? Chances are, a Blog For Travel has already covered it.

Easy Destination Planning With Travel Blogs

One of the most valuable things about Blogs About Travel is how much planning they save you. You’ll often find:

Full day-by-day itineraries

Budget estimates for each place

Lists of must-see sights and local tips

This can be way more helpful than a general website. Instead of vague lists, you’ll get real experiences from people who’ve actually been there.

Different Types of Blogs Travel Lovers Read

Not all Travel Blogs are the same. Depending on your style and goals, you’ll find blogs that focus on:

Solo travel – perfect for independent adventurers

Luxury travel – five-star stays and high-end dining

Family travel – kid-friendly places and safety tips

Budget travel – how to explore on the cheap

Whatever your style, there’s a Blog About Travelling that fits your vibe and helps you get inspired.

Travel Blogs Help You See Every Culture

Good Travel Blogs do more than show places — they show people, traditions, food, and lifestyle. Through detailed stories and beautiful photography, these blogs give you a real sense of what life is like in other parts of the world.

Want to see what a day in the life of a local in Japan looks like? Or how Diwali is celebrated in India? That’s where Travel Blogs shine — in capturing the true spirit of a place.

Blogs Build Travel Confidence and Awareness

For many travelers, stepping into a new country can be scary. That’s why reading a Blog About Travel beforehand is so helpful. Bloggers talk about common challenges like language barriers, culture shock, and even dealing with travel scams.

By reading their experiences, you go in prepared and confident. It’s like getting advice from a friend who’s already been where you’re going.

Follow Travel Blogs for Up-to-Date Info

Travel rules and local conditions can change quickly. One major benefit of following Blogs Travel experts write is that they’re often updated regularly. You’ll find fresh content on:

Visa changes

Seasonal travel tips

Safety updates or political issues

COVID-19 or weather-related alerts

Compared to outdated guidebooks, Blogs On Traveling keep you current and aware.

How to Choose the Right Travel Blog to Read

Not all Travel Blogs are created equal. Here are a few tips to find the best ones:

Check writing style – Easy, honest, and informative is best.

Look for recent posts – Active blogs are more trustworthy.

Photos and videos – Visuals help you feel the experience.

Engaged community – Comment sections often add value.

Whether it’s a niche Blog About Travel or a popular influencer blog, quality content always stands out.

Final Thoughts on Travel Blogs You Can Trust

If you’re dreaming of faraway lands, planning a vacation, or just love reading about adventures, Travel Blogs are where you should start. They provide more than info — they offer connection, perspective, and a glimpse into every corner of the world.

From expert travel guides to raw storytelling, a good Blog For Travel will not just inform you, it will inspire you.

#Travel Blogs #Blog About Travel #Blogs Travel #Blog About Travelling #Blog For Travel #Blogs on Traveling

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frontierrealtygroupusa · 13 days ago

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How to Get a Home Repair Loan With Little Stress

Life happens. Roofs leak. Pipes burst. Walls crack. And the worst part? It always seems to happen when your wallet isn’t ready. That’s where home repair loans come in. If you’re facing urgent home fixes or even long-overdue maintenance, the right loan can help you get the job done without draining your savings — or your sanity.

Let’s walk through how you can secure a home repair loan with less stress, more confidence, and no confusing jargon.

What Are Home Repair Loans?

Home repair loans are financing options that help homeowners pay for repairs, upgrades, or improvements to their property. These can include emergency fixes like electrical repairs or long-term upgrades like kitchen remodeling. You borrow a certain amount, fix what needs fixing, and repay the loan in monthly installments.

You can apply for these loans through banks, credit unions, online lenders, or even special government programs depending on where you live.

When Do You Need One?

You might need a home repair loan if:

Your roof is damaged and insurance won’t cover the full cost.

You want to upgrade your plumbing, heating, or insulation.

You’re selling your home and need it to pass inspection.

You can’t afford the repair upfront but need to fix it right away.

If it’s something important that affects the safety, function, or value of your home — it’s a good time to consider this option.

Tips to Get a Home Repair Loan Easily

Getting a loan doesn’t have to feel like a headache. Use these simple tips to reduce stress:

1. Know Your Budget

Before you apply, estimate the total cost of repairs. Ask for quotes from contractors and figure out how much money you actually need. Don’t borrow more than you can repay.

2. Check Your Credit Score

Most lenders will review your credit. A higher score gives you better loan options with lower interest. If your score is low, look for lenders who offer home repair loans for bad credit — they do exist!

3. Compare Lenders

Don’t take the first offer you see. Compare interest rates, repayment terms, and fees. Some lenders even offer same-day approvals or “fix now, pay later” options.

4. Have Your Documents Ready

You’ll need ID, proof of income, home ownership documents, and maybe contractor estimates. Having everything prepared speeds up the process.

5. Ask Questions

Before you sign anything, ask: – Is the interest rate fixed or variable? – Are there penalties for paying it off early? – Can I delay my first payment?

The more you understand the loan terms, the less likely you’ll face surprises later.

Quick Loan, Long-Term Peace

The best part? Many home repair loans can be approved in just a few days. That means you can fix what’s broken, improve your home, and move on with your life. No more worrying about the leaking ceiling or faulty wiring.

It’s all about choosing the right loan and the right lender. Whether your need is big or small, urgent or planned, there’s a loan out there that can help.

Final Thoughts

Home repairs can be stressful — but getting a home repair loan doesn’t have to be. With a bit of research, the right paperwork, and a clear plan, you can handle home fixes without financial panic.

#pre sale home renovation #home renovation services #renovate now pay later

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beardedmrbean · 7 months ago

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Gov. Wes Moore will look to make a dent in the looming $3 billion state budget deficit through a new effort that aims to save $50 million by eliminating wasteful and inconsistent spending across government agencies.

Real estate owned by the state and technology contracts will be among the first areas investigated, the governor announced Friday — two days after he first stressed he prefers to make cuts and find cost savings over passing tax increases this year.

The massive hole in the 2026 fiscal year budget is the most significant challenge facing lawmakers in the annual three-month session that began Wednesday. Moore will present his spending proposal Jan. 15 and has said it will include $2 billion in cuts.

The “government modernization” initiative will help close the other roughly $1 billion portion of the gap. Moore has not yet said where the rest, totaling more than $900 million, will come from in his proposal that legally must reflect a balanced budget.

It may also cost the state money to conduct. A contract approved by Moore’s administration in October will pay Boston Consulting Group, one of the world’s largest such agencies, up to $15 million if the state saves an estimated $75 million through its work over two years. Under the contract, the state would only pay if the savings are found in the areas identified.

Beyond real estate and technology, initial work will include streamlining the state’s contracting process and fleet management. That will mean, for example, reviewing policies for maintaining vehicles and whether agencies are paying different prices for items like laptops or desktop computers, Moore said.

At the start of a cabinet meeting Friday in Calvert County, he held up a government-issued Dell laptop as he described how some agencies are paying $1,000 while others are paying more than $1,400 for “the same piece of machinery.” Among the thousands of government-owned vehicles, hundreds are driven less than 1,200 miles per year, Moore said.

“These are taxpayer dollars,” Moore said. “They deserve better. They deserve greater accountability.”

The investigation will touch every agency and get into the “nerdy” details of governing, Moore said.

“We’ve got to get real specific on this stuff because when we get really specific on what it is that we’re looking for, we’re going to be able to save the taxpayer dollars,” he said.

Though the effort is still in its early stages, officials believe they can find at least $50 million in the fiscal year beginning July 1, and they will plan for that amount of savings when presenting the budget Wednesday. Lawmakers will then amend the budget and negotiate with the administration before a final plan is passed before the session ends in early April.

Leading the efficiency initiative will be Asma Mirza, a former official in President Joe Biden’s administration who Moore appointed as his “chief performance officer” in 2022. Mirza, who previously helped implement Biden’s $1.2 trillion infrastructure law, has so far worked to enact Moore’s vast policy goals — including the “state plan” he pitched last year to outline a wide range of priorities.

The announcement Friday featured an executive order expanding Mirza’s office to include a new “director of government modernization” and codify the Governor’s Office of Performance Improvement.

It also follows recent steps at the federal level by President-elect Donald Trump to kickstart a Department of Government Efficiency, or DOGE, that he’s said will look to trim federal spending. Elon Musk, the Tesla CEO and world’s richest man, is preparing to lead the effort alongside entrepreneur and former presidential candidate Vivek Ramaswamy. Moore has targeted a relatively smaller amount of savings, when compared to the rest of the state budget, with his efficiency plan while Musk has said he hopes to significantly slash federal costs, potentially up to $2 trillion.

#nunyas news

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indiaappdevelopers · 4 months ago

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Why Indian Developers Are Leading the Global App Development Industry

The global app development industry is experiencing exponential growth, and Indian developers are increasingly becoming the driving force behind this success. From startups to tech giants, Indian talent is powering some of the most innovative, user-friendly, and widely used mobile applications in the world. So, why are Indian developers consistently leading the charge in the app development space? Let’s dive into the key factors that have propelled Indian developers to the forefront of the global app development industry.

1. A Thriving Talent Pool

India is home to one of the largest pools of software developers globally, with over 5 million IT professionals as of recent estimates. The country produces a vast number of graduates each year from top-tier engineering colleges and universities, making it an attractive hub for technology-driven organizations. Many of these graduates specialize in mobile app development, from iOS and Android to cross-platform frameworks like React Native and Flutter.

The size and depth of this talent pool ensure that companies can tap into a diverse range of skills and expertise. Whether it’s backend development, user experience design, or advanced mobile app functionalities, you can hire dedicated developers in India who are well-versed in the latest technologies and industry best practices.

2. Cost-Effectiveness

While Indian developers have a reputation for delivering high-quality work, their services come at a fraction of the cost compared to developers in countries like the United States, the UK, or Australia. This cost-effectiveness makes India an attractive outsourcing destination for companies looking to build world-class apps without breaking the bank.

Outsourcing to India allows companies, especially startups and small businesses, to allocate more of their budget to marketing, business development, and other growth areas. Additionally, Indian developers often work in a flexible and result-oriented environment, ensuring timely delivery without compromising quality.

3. Expertise in Multiple Technologies

Indian developers have earned their reputation for being experts in a broad spectrum of app development technologies. From native Android and iOS development to more recent cross-platform tools like React Native and Flutter, Indian developers excel at mastering multiple technologies. Their ability to seamlessly adapt to evolving technological trends enables them to build highly efficient and user-friendly apps that cater to a global audience.

Furthermore, Indian developers are highly skilled in integrating modern technologies like Artificial Intelligence (AI), Machine Learning (ML), Augmented Reality (AR), and blockchain into mobile applications. This expertise positions Indian developers as leaders in creating innovative, future-ready solutions that meet the demands of today’s fast-evolving digital landscape.

4. Agile Methodology & Adaptability

Indian developers are known for their mastery of the Agile development methodology, which emphasizes iterative progress, flexibility, and close collaboration with clients. Agile allows teams to quickly adapt to changing requirements and feedback, ensuring that the final product aligns closely with client expectations.

This adaptability is especially important in the fast-paced world of app development, where user needs and industry trends can change rapidly. Indian developers are adept at incorporating feedback, tweaking app features, and refining user interfaces to ensure optimal performance and user experience.

5. Focus on Quality & Innovation

While cost-effectiveness is a key factor, Indian developers are not compromising on quality. Indian development teams prioritize best practices, robust coding standards, and rigorous testing processes to ensure that every app they build meets high-quality benchmarks.

Additionally, innovation is at the heart of India's app development ecosystem. Developers continually push the envelope with new features, intuitive user interfaces, and novel app functionalities. Whether it's a highly interactive gaming app or an enterprise-level business solution, Indian developers are continuously finding ways to innovate, differentiate, and enhance their mobile applications.

6. Vibrant Startup Ecosystem

India’s vibrant and rapidly growing startup ecosystem is another contributing factor to the country’s dominance in the app development industry. Indian entrepreneurs are embracing mobile-first strategies, with many startups relying on mobile apps to reach customers and grow their businesses.

These startups often partner with local app development firms or hire in-house developers to bring their app ideas to life. This has led to a culture of innovation and collaboration, where developers are constantly exposed to new ideas, use cases, and challenges. As a result, Indian developers are uniquely positioned to design creative solutions that cater to both local and global audiences.

7. Strong English Proficiency

English is widely spoken and used in the professional domain across India, which makes communication between Indian developers and international clients seamless. Clear communication is essential in understanding project requirements, discussing timelines, and providing updates. Indian developers are accustomed to working with global clients, ensuring that language barriers do not hinder the development process.

Moreover, India’s adoption of English as a primary language of business allows developers to stay updated on global trends, technologies, and frameworks, making them highly competitive in the international job market.

8. Time Zone Advantage

India’s time zone, IST (Indian Standard Time), provides a unique advantage in global app development. Indian developers often work while clients in Western countries are offline, making it possible for companies to take advantage of a "follow-the-sun" model. This leads to faster turnaround times and ensures that work progresses even when other teams are not active.

In essence, this time zone advantage allows for efficient project management, quicker feedback cycles, and 24/7 productivity, which is a key factor in meeting the tight deadlines that are common in the app development industry.

9. Successful Global Track Record

Finally, the successful track record of Indian developers is one of the biggest reasons they are leading the global app development industry. Companies around the world, from Silicon Valley giants to emerging startups, have tapped into the Indian talent pool to build their apps. This success is reflected in the sheer number of high-quality mobile applications developed by Indian teams.

Apps like Flipkart, Ola, Zomato, and Paytm—many of which originated in India—have become household names globally. This success demonstrates the immense potential of Indian developers to create world-class products that can compete in international markets.

Conclusion

Indian developers are undoubtedly at the forefront of the global app development industry, owing to their technical expertise, cost-effectiveness, innovation, and adaptability. With a thriving talent pool, access to cutting-edge technologies, and an unmatched focus on quality, India continues to be the go-to destination for companies seeking to build powerful, user-friendly mobile applications. As the app development landscape continues to evolve, Indian developers are poised to remain at the helm, shaping the future of mobile technology on a global scale.

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viceroy-transporter · 9 months ago

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How to Buy a Car Online

Buying a car online offers a unique convenience, but it’s essential to approach the process with a plan.

Here’s a step-by-step guide to help you purchase a car online confidently and securely.

1. Set a Budget and Define Your Needs

Decide on a budget and list your must-have features. Consider whether you need a new or used car, your preferred make and model, fuel efficiency, and any additional features that matter to you. Establishing your needs early on will help narrow your options and streamline your search.

2. Research Reliable Websites and Sellers

Stick to reputable online car marketplaces and dealership websites to avoid scams. Look for verified sellers, read customer reviews, and check the Better Business Bureau for ratings. Some popular and trusted platforms include Carvana, Autotrader, and Vroom. Many dealerships also offer virtual showrooms with secure purchasing options.

3. Conduct a Thorough Vehicle Inspection

Once you’ve found a car that interests you, request detailed photos and a video tour. Look for any signs of wear, rust, or damage, and ask about the car’s history. For used vehicles, check the VIN and obtain a vehicle history report through CARFAX or AutoCheck. It will provide information on the car’s maintenance record, previous ownership, and any reported accidents.

4. Verify Pricing and Value

Use tools like Kelley Blue Book or Edmunds to get an estimate of the car’s fair market value. Comparing the asking price to these resources ensures you’re paying a reasonable amount and gives you leverage for negotiation.

5. Arrange Financing and Insurance

If you’re not paying in cash, arrange financing through your bank, credit union, or directly through the online car platform if they offer financing options. Shop around for the best interest rates and terms, and get pre-approved if possible. You’ll also need to secure insurance coverage for the car before finalizing the purchase.

6. Schedule a Virtual or In-Person Test Drive

If the car is within reach, test drive it in person to assess comfort, handling, and overall performance. If you’re buying from out of state, many sellers offer virtual test drives via live video calls, where they can demonstrate features and provide a closer look.

7. Negotiate the Price

Don’t hesitate to negotiate, especially if you’ve noticed minor issues or can provide lower price comparisons. Negotiating online is often straightforward, with many platforms allowing you to make offers and negotiate via chat or email.

8. Finalize Paperwork Securely

Complete all necessary paperwork securely, including title transfer, bill of sale, and any required warranty information. Ensure the contract includes any promised services or warranties, and carefully read through all terms. Most online platforms and dealerships will offer a secure digital signing process, or you may be mailed the documents to sign.

9. Arrange Delivery

If the car is far from your location, work with a reliable transport service to have it delivered to your home. Many online car sellers provide their own delivery services, while independent transport services like Viceroy Auto Transport also offer secure and timely vehicle delivery.

10. Inspect Upon Delivery

Once the car arrives, thoroughly inspect it to ensure it matches the listing and is in the agreed-upon condition. Verify that it includes all promised items, such as spare keys or additional equipment, and perform a final test drive if possible.

By following these steps, buying a car online can be a smooth and secure process. With the right preparation, you can find and purchase a vehicle from the comfort of home, making online car shopping a convenient alternative to traditional dealerships.

#AutoTransportTopics #ViceroyAutoTransport

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fincrif · 5 months ago

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Can a Personal Loan Help Fund a Wedding Without Financial Stress?

Introduction

Weddings are one of the most cherished milestones in life, but they also come with significant financial obligations. From venue bookings and catering to outfits and photography, wedding expenses can quickly add up, leaving couples and families searching for financing options. A personal loan can be an effective way to cover wedding expenses without dipping into long-term savings or facing financial stress.

A personal loan for weddings offers quick access to funds, flexible repayment options, and no restrictions on spending, making it a preferred choice for many. However, before opting for a personal loan, it’s important to understand its benefits, potential risks, and how to manage repayments efficiently.

Why Consider a Personal Loan for a Wedding?

A personal loan is an unsecured loan that does not require collateral and can be used for various expenses, including wedding-related costs. Here’s why many couples opt for a personal loan to fund their wedding:

1. Immediate Access to Funds

Wedding planning involves multiple bookings and upfront payments. A personal loan provides instant access to funds, ensuring that you don’t miss out on your dream venue, photographer, or other essential services.

2. No Collateral Required

Unlike gold loans or property-backed loans, a personal loan does not require you to pledge assets, reducing the financial risk.

3. Flexible Loan Amounts

Depending on the lender and your financial profile, you can avail a personal loan ranging from ₹50,000 to ₹50 lakhs, helping you cover wedding expenses with ease.

4. Structured Repayment Plan

A personal loan allows repayment through fixed EMIs over a tenure of 1 to 5 years, making it easier to manage post-wedding finances.

5. Competitive Interest Rates

Interest rates for wedding personal loans typically range between 10% and 24%, depending on factors like credit score, income, and lender policies.

6. Freedom to Spend as Needed

Unlike wedding loans offered by travel agencies or banks with restrictions on expenses, a personal loan allows complete flexibility in spending—whether on the venue, decorations, honeymoon, or catering.

Potential Risks of Using a Personal Loan for a Wedding

While a personal loan can provide financial relief, there are some risks to consider:

1. Interest Costs Can Add Up

Borrowing for a wedding means paying interest over the loan tenure, which increases the total cost of your wedding. For example, taking a ₹5 lakh loan at 14% interest for 3 years could lead to ₹1.17 lakh in interest payments.

2. Long-Term Repayment Commitment

A wedding is a one-time event, but a personal loan comes with a long-term repayment obligation. Newlyweds must ensure their financial stability before taking on additional debt.

3. Impact on Credit Score

Failing to repay the personal loan on time can negatively affect your credit score, making it difficult to secure future loans for home purchases or business investments.

4. EMI Burden Post-Wedding

Newly married couples may already have financial goals such as buying a house, starting a family, or investing in their future. An additional EMI burden can affect their ability to save for these priorities.

How to Plan Your Wedding Budget with a Personal Loan

Before applying for a personal loan, consider these financial planning tips to avoid unnecessary debt and financial stress:

1. Estimate Wedding Expenses Accurately

List all potential wedding costs, including:

Venue and decorations

Catering and beverages

Bridal and groom attire

Photography and videography

Entertainment and music

Invitations and gifts

Honeymoon expenses

2. Determine the Loan Amount Wisely

Borrow only what is necessary to avoid excessive debt. Consider existing savings and contributions from family before finalizing the personal loan amount.

3. Compare Personal Loan Offers

Different lenders offer varying interest rates, processing fees, and repayment tenures. Compare multiple options to find the best loan with the lowest cost.

4. Choose an Affordable EMI Plan

Use a personal loan EMI calculator to ensure your monthly installment is manageable within your income. Ideally, EMIs should not exceed 30-40% of your monthly earnings.

5. Avoid Unnecessary Wedding Expenses

Prioritize essential expenses over luxury items. Cutting back on non-essential elements can reduce the amount needed for a personal loan.

6. Plan for Loan Repayment in Advance

If you anticipate bonuses, monetary wedding gifts, or additional income, allocate those funds toward early loan repayment to reduce interest costs.

When is a Personal Loan for a Wedding a Good Idea?

A personal loan can be a good choice for wedding financing when:

You have a stable income and can comfortably afford EMI payments.

You qualify for a low-interest personal loan.

You have minimal existing debt and a good credit score (700+).

The wedding expenses are urgent, and you do not have sufficient savings.

When Should You Avoid a Personal Loan for a Wedding?

A personal loan may not be the best option if:

You already have multiple ongoing loans or financial obligations.

You have a low credit score, leading to higher interest rates.

You can delay the wedding and save up for expenses instead of borrowing.

You are opting for an extravagant wedding beyond your financial capability.

Alternative Ways to Fund Your Wedding Without a Personal Loan

If taking a personal loan for a wedding does not align with your financial plans, here are alternative ways to finance your big day:

1. Start a Wedding Savings Fund

Begin saving a fixed amount each month to accumulate wedding funds without relying on debt.

2. Consider Family Contributions

Many families contribute towards wedding expenses. Discuss financial support options before opting for a personal loan.

3. Use Credit Card Rewards and Offers

Credit cards with cashback and travel rewards can help cover specific wedding expenses like flight tickets and hotel stays for the honeymoon.

4. Opt for No-Cost EMI Options

Some wedding vendors offer no-cost EMI payment plans, allowing you to spread payments over several months without incurring interest.

5. Choose a Budget-Friendly Wedding Plan

Opt for cost-effective wedding venues, minimalistic decorations, and digital invitations to reduce costs without compromising on celebrations.

Conclusion

A personal loan can be a practical solution to fund wedding expenses without immediate financial strain, but it comes with long-term repayment commitments. While it offers quick access to funds, flexible repayment options, and no spending restrictions, borrowers must carefully assess their financial situation, loan repayment ability, and alternative funding sources before making a decision.

If you are confident in your ability to repay the loan without affecting future financial goals, a personal loan can help make your dream wedding a reality. However, responsible financial planning, budgeting, and exploring savings alternatives can help reduce the need for borrowing and ensure a stress-free start to married life.

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homesimprovement · 1 year ago

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How to Choose a Bathroom & Kitchen Contractor in Vancouver

Renovating your bathroom or kitchen is an exciting project. And, we know that hiring the correct contractor is not straightforward. After all, you want someone who understands your concept while also completing quality work within your budget. In this blog post, we'll look at how to select the best bathroom and kitchen remodeling contractors in Vancouver.

Start with research

Start by researching local contractors. Look for organizations with a strong reputation, favorable feedback, and experience with bathroom and kitchen renovations. Trusted platforms such as TrustedPros and HomeAdvisor provide a list of top-rated contractors in Vancouver. These platforms offer ratings, reviews, and quotations from professionals in your area.

Check Credentials

Before hiring a bathroom remodeling contractors in Vancouver, check their credentials. Ensure they are licensed, insured. And, in good standing with the local authorities. A reputable contractor will readily provide qualifications and references. Do not hesitate to request proof of insurance and licensing.

Evaluate Experience and Specialization

Find contractors who specialize in bathroom and kitchen renovations. Consider their years of experience, portfolio, and types of projects they've completed. Some contractors specialize solely in kitchen remodeling, while others excel at bathroom makeovers. Select one whose expertise matches your exact requirements.

Communication is important

Effective communication is required for every renovation project. A contractor who actively listens to your suggestions and replies to your inquiries promptly. And, keeps you updated throughout the process is invaluable. Schedule an introductory meeting to determine their communication style and response.

Request Detailed Quotes

Ask for detailed quotes from at least three contractors. A comprehensive quote should include labor costs, materials, permits, and any additional expenses. Be wary of vague estimates. A transparent breakdown helps you compare prices and make an informed decision.

Visit Showrooms and Past Projects

Visit showrooms or explore contractors’ websites to see their work firsthand. Look for design elements that resonate with your vision. Additionally, ask for references from your kitchen remodeling contractors in Vancouver and visit completed projects. Talking to previous clients provides insights into the contractor’s reliability and craftsmanship.

Discuss Timelines and Flexibility

Clearly define project timelines and discuss any potential delays. A dependable contractor will stick to a realistic timeline and react to unexpected changes. Avoid contractors who promise unrealistic deadlines or lack flexibility.

Quality Over Price

While cost is essential, prioritize quality over the lowest bid. A cheap contractor may cut corners. Resulting in poor results. Invest in a contractor who provides good craftsmanship. Even if it means paying slightly more. Remember that improvements are long-term investments.

Environmental Considerations

If eco-friendly practices matter to you. Inquire about sustainable materials and energy-efficient solutions. Some contractors specialize in green remodeling. Ensuring minimal environmental impact.

The Best Place to Find a Contractor: All Quotes

Finally, when you’re ready to connect with bathroom remodeling contractors in Vancouver , visit All Quotes. It’s a reliable platform where you can request quotes from multiple contractors simultaneously. Simply describe your project, and they’ll match you with qualified professionals in Vancouver.

In the end, we can say that choosing the right bathroom and kitchen contractor involves thorough research, effective communication. And, a focus on quality. With the right partner, your renovation dreams can become a reality!

#Bathroom Remodeling Contractors in Vancouver #Kitchen Remodeling Contractors in Vancouver

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propertybuyindubai · 1 year ago

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Understanding Home Loan Options in UAE

The UAE's real estate market is diverse, offering a variety of home loan options to suit different needs. Understanding these options is crucial for making an informed decision. This guide provides an overview of the different home loan options available in the UAE.

Types of Home Loans

Home loans, or mortgages, come in various forms, each with its benefits and considerations.

Fixed-Rate Mortgages: These loans have a fixed interest rate for a specified period, providing stability in monthly payments.

Variable-Rate Mortgages: The interest rate fluctuates based on market conditions, which can lead to lower initial rates but potential increases over time.

Islamic Mortgages: Compliant with Sharia law, these mortgages involve profit-sharing rather than interest payments.

For detailed information on home loans, visit home loan dubai.

Key Features of Different Home Loans

Fixed-Rate Mortgages:

Stability: Monthly payments remain the same throughout the fixed period.

Predictability: Easier to budget as payments do not change.

Higher Initial Rates: Typically, fixed rates are higher than variable rates.

Variable-Rate Mortgages:

Lower Initial Rates: Often start with lower rates than fixed-rate mortgages.

Potential Increases: Rates can increase over time based on market conditions.

Flexibility: Can benefit from falling interest rates.

Islamic Mortgages:

Sharia Compliance: No interest payments; instead, profit-sharing.

Ethical Financing: Aligns with Islamic principles.

Varied Structures: Different structures such as Ijara, Murabaha, and Musharaka.

For property purchases, explore Buy Villas in Dubai.

Choosing the Right Home Loan

Assess Your Financial Situation: Begin by evaluating your financial health. Calculate your income, expenses, and savings to determine how much you can afford.

Consider Your Goals: Determine your homeownership goals, whether it's stability, flexibility, or compliance with Islamic principles.

Compare Loan Options: Different lenders offer various products. Compare rates, terms, and conditions.

Consult with a Mortgage Advisor: Professional advice can help you navigate the complexities of securing a home loan. For expert advice, consider Best Mortgage Services.

Steps to Securing a Home Loan

Get Pre-Approved: Pre-approval provides an estimate of how much you can borrow, making the home search more focused and efficient.

Choose the Right Mortgage: Select a mortgage that aligns with your financial goals.

Submit Your Application: Complete the mortgage application, providing necessary documents such as proof of income, credit history, and property details.

Loan Approval and Offer: Once approved, the lender will present an offer detailing the loan amount, interest rate, and repayment terms.

Finalizing the Purchase: After accepting the offer, work with your lender to finalize the purchase. Ensure all legal and financial aspects are in order.

For rental options, visit Apartments For Rent in Dubai.

Tips for a Smooth Home Loan Process

Maintain a Good Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Save for a Down Payment: Aim for at least 20% of the property's value to reduce mortgage insurance costs and improve loan terms.

Avoid New Debt: Refrain from taking on new debt during the loan process to maintain your financial profile.

Understand Fees and Charges: Be aware of all fees and charges associated with the loan, including processing fees, valuation fees, and early repayment penalties.

For selling your property, explore Sell Your Property in Dubai.

Legal and Regulatory Considerations

The UAE has specific regulations governing mortgages. Ensure compliance with all legal requirements, including property registration and transfer fees.

Dubai Land Department (DLD): The DLD oversees property transactions. Ensure all documents are registered with the DLD.

No Objection Certificate (NOC): If buying from a developer, obtain an NOC confirming no outstanding payments or disputes.

Conclusion

Understanding home loan options in the UAE involves careful planning and knowledge of the mortgage market. By following the steps outlined in this guide, you can navigate the process efficiently and achieve your homeownership goals. For more resources and expert advice, visit home loan dubai.

#dubairealestate

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lumiatattoo · 2 years ago

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Essential Considerations Before Getting a Fine-Line Tattoo in the USA

When getting a fine-line tattoo in the USA, it's important to consider several key factors to ensure a successful and satisfying tattoo experience. Here are some essential considerations to keep in mind before getting your fine-line tattoo:

1. Research Tattoo Artists

Finding a skilled and experienced tattoo artist is crucial for obtaining a high-quality fine-line tattoo. At Lumia Tattoo Service, we take pride in our team of talented artists who specialize in fine-line tattoos. Our artists have a proven track record of creating intricate and detailed designs, ensuring that your fine-line tattoo will be executed with precision and artistry.

2. Consultation and Communication

Schedule a consultation with one of our expert artists at Lumia Tattoo Service. During this consultation, you can discuss your ideas, inspirations, and expectations for your fine-line tattoo. Our artists will listen to your vision and provide valuable insights to bring your idea to life. Effective communication is essential to ensure that both you and the artist are on the same page before the tattooing process begins.

3. Placement Considerations

Consider the placement of your fine-line tattoo carefully. Fine-line tattoos are delicate and may require a flatter surface to ensure the intricate details hold up over time. Areas such as wrists, fingers, inner arms, ankles, and collarbones are popular choices for fine-line tattoos. Our skilled artists at Lumia Tattoo Service can guide you in selecting the best placement option that ensures the longevity and visual impact of your tattoo.

4. Tattoo Maintenance

Proper tattoo aftercare and maintenance play a significant role in the longevity of your fine-line tattoo. Following the specific aftercare instructions provided by your artist is crucial. They may recommend avoiding direct sunlight, applying a specialized aftercare ointment, and keeping the tattoo clean and moisturized. Adhering to these instructions will help preserve the clarity and vibrancy of your fine-line tattoo.

5. Realistic Expectations

While fine-line tattoos can produce stunningly intricate designs, it is essential to have realistic expectations. Fine lines are more susceptible to fading over time compared to bolder, thicker-lined tattoos. However, our skilled artists at Lumia Tattoo Service use high-quality pigments and techniques to maximize the longevity of your fine-line tattoo. They will provide you with a realistic estimate of how your tattoo will age and any potential touch-up needs down the line.

6. Budget Considerations

Consider your budget when planning for your fine-line tattoo. Fine-line tattoos often require more time and precision than simpler designs, making them potentially more expensive. At Lumia Tattoo Service, we believe in transparent pricing, and our artists will provide you with a clear understanding of the cost involved based on the complexity and size of your design. Investing in a skilled artist and quality work is worth it when it comes to fine-line tattoos.

7. Personal Meaning and Symbolism

Select a design that holds personal meaning and symbolism for you. Fine-line tattoos allow for intricate details and subtle symbolism that can enhance the significance of your tattoo. Whether it represents a loved one, a meaningful experience, or a personal mantra, our artists at Lumia Tattoo Service are dedicated to capturing and reflecting the essence of your chosen design.

The Final Word

By considering these essential factors before getting a fine-line tattoo, you can ensure an enjoyable and rewarding tattoo experience. At Lumia Tattoo Service, our team of skilled artists is committed to delivering exceptional fine-line tattoos that combine artistry and precision. Contact us today to schedule a consultation and let us bring your vision to life with our top-notch fine-line tattoo service.

#fine line tattoo artists miami #fineline tattoo #fine line tattoo near me #tattoo design shop near me #fine line tattoo

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danyvcollins8 · 2 years ago

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Antique Auction Guide: What to Know About Buying & Selling

You’re at an antique auction. You feel the thrill of potential discovery in every item up for bid. But how do you know what’s worth your money or just old trash?

If selling is more your game, can you spot a hidden gem among Grandma’s heirlooms that others would dream of owning? This guide aims to unravel these mysteries by offering insights into buying and selling antiques effectively. Dive right in; let this be your road map through the exciting world of antique auctions!

Types of Antiques Offered at Auction in Clearwater, FL

From vintage furniture to remarkable pottery pieces, every auction offers a unique selection that’s sure to impress antique lovers. It is quite common for people to find Chinese Ming Dynasty pottery and Art Nouveau jewelry while browsing furniture pieces from the Victorian era or items from mid-century modern tables. Moreover, these scavengers often discover a plethora of aged wine bottles from Europe.

On your next trip, finding classic chandeliers with intricate detailing dating back centuries could be possible! Even sports memorabilia make their appearance in auctions sometimes. This includes autographed baseball cards and historic match tickets.

Stay eager because comic books that bring waves of nostalgia can also spring surprises, along with old-world paintings stirring profound emotions! It just showcases how diverse and versatile Clearwater’s antique offerings are, providing endless opportunities worth exploring for everyone interested!

Tips for Buying at an Antique

Diving into the world of antiques can seem daunting, but remember, knowledge is power. You must understand that in Clearwater, Florida, auctions, online platforms usually charge lower premiums compared to direct auction services, and this could save you a significant amount. The price range for items at an auction varies widely; some may be surprisingly affordable, while others might reach astronomical figures.

Keep yourself updated with prices through regular research so as not to overpay or underbid for artifacts. Are there hidden costs? Sellers pay what’s called ‘seller premiums,’ which are fees based on a percentage of the final sale cost. Buyers, too, have their share known as ‘buyer premiums.’

A key term you should know about is ‘reserves’. A reserve is a minimum acceptable bid amount set by the seller. Sellers reserve the right to withhold a sale if bids do not meet this reserve number. However, they still have to pay listing fees regardless of whether a sale occurs or not.

Remember: Bidding requires registration, so ensure your paperwork is done correctly before hitting any auction houses!

Determining Your Budget Before Shopping Antiques

While venturing into Clearwater’s antique market, take steps to set your financial limits. This precaution prevents costly mishaps, as antiques can range from moderately priced to astonishingly expensive. Before shopping for antiques, you have two tasks: understand the general price range of desired items and decide what you’re willing to spend.

Research helps in both areas. Identify reputable online platforms that offer an idea of current pricing trends for various antiques. Consider enlisting a professional appraiser who specializes in your area of interest for a more personalized budget estimation. They provide precise valuations that aid in making informed decisions about potential purchases or even sales later. Remember, though: while setting out hunting relics with deep pockets may seem appealing, respect your personal spending boundaries regardless of how enticing that vintage piece looks.

Don’t let perceived value override established monetary confines; seek enchantment within your allotted fiscal sphere.

Selling Your Own Antiques at an Auction House in Clearwater, FL

When planning to sell your own antiquities at an auction house in Clearwater, FL, there’s a clear process you can follow. First, connect with the auction house staff so they’re aware of your interest. They will inform you about upcoming auctions and provide catalogs for them.

Next, inspect properties alongside a knowledgeable professional, such as a builder or handyman. This way, all necessary repairs can be accounted for before making pricing decisions. Procuring legal packs from the auctioneer may also prove fruitful, giving comprehensive insights into each available property.

This means no hidden surprises later down the line! However, swift action remains crucial due to the short periods between catalog releases and actual auctions.

Remember that setting budgets precedes any other step. Understanding how much renovation costs might be, plus knowing payment methods, adds value, too! Lastly, but importantly, don’t overlook those terms and conditions paperwork. Stay familiarized with what needs to be paid without any nasty surprises on D-day.

Essential Expert Advice when Attending Auctions In Clearwater, FL

Auction catalogs come out a month beforehand, so use this time wisely. Investigate the item of interest by researching its history, condition, and value range. Additionally, obtain information about any associated costs, such as set fees or percentages owed to the vendor or auction house. These expenses can add up quickly if they are not taken into account, so be sure to factor them in when making bids at Clearwater auctions.

Always have sufficient funds for deposits, usually around 10%, since failure to provide that could lead you into legal trouble with sellers.

Therefore, avoiding relying solely on selling items at an auction is important. This is because vendors always set a reserve price, which is the minimum acceptable bid they must receive for them to sell the item. As such, there is no guarantee that items will always be sold through auctions.

Additionally, be cautious while referring to guide prices provided by auction houses; they’re often lower than the actual worth to boost public attention, but they might misdirect you when setting your budget limit.

Common Mistakes to Avoid During the Antique Buying & Selling Process

Your attitude during the negotiation plays a vital role. Approaching dealers with respect ensures they will be more receptive in their responses. People may believe that haggling is a must during this process. Unfortunately, this assumption can lead to misunderstandings or neglected opportunities for discovering good items at fair prices.

When you pressure an antique dealer into dropping the price drastically, it may seem unfair and disrespectful toward their expertise and business expenses. Don’t let reality TV fool you, either! Those massive discounts stay confined primarily to television sets as part of scripted deals rather than actual transactions on the ground. So, keep expectations realistic!

Credits: https://blackwellauctions.com/antique-auction-guide-what-to-know-about-buying-selling/

Lastly, remember one man’s trash might just turn out to be another’s treasure. Targeting lower-priced antiques alone won’t suffice. Instead, focus on finding pieces that resonate personally. Striking a balance between taste and affordability should remain your goal.

Navigating the exciting world of antique buying and selling shouldn’t be intimidating. Knowledge is power; knowing what items to look for, understanding the auction process, and acting promptly are key. Always remember that every art piece has a story; your goal should be discovering its worth, considering its historical value.

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