#How to get a loan without collateral

[fincrif]

Personal Loan Alternatives: Exploring Other Financing Options

Personal loans are a popular choice for covering medical emergencies, home renovations, weddings, education, or unexpected expenses. However, they may not always be the best option due to high-interest rates, strict eligibility criteria, and processing fees. If you are looking for alternative financing options, there are several other ways to borrow money based on your financial needs.

In this article, we will explore the best alternatives to personal loans, comparing their benefits and drawbacks to help you choose the right option.

1. Why Consider Personal Loan Alternatives?

While personal loans offer quick access to funds, they may not always be the most cost-effective solution. Some reasons to explore alternatives include:

✅ High-Interest Rates: Personal loans often have interest rates between 10% and 24% per annum. ✅ Impact on Credit Score: Missing EMIs can significantly affect your CIBIL score. ✅ Strict Eligibility Criteria: Many lenders require a credit score of 650+ and stable income proof. ✅ Processing Fees & Charges: Some lenders charge 2-4% as processing fees, increasing the loan cost.

If you’re facing these challenges, consider alternative borrowing options that may offer better terms based on your financial situation.

2. Top Alternatives to Personal Loans

2.1 Gold Loan – Best for Quick Cash Using Gold as Collateral

A gold loan allows you to borrow money by pledging gold jewelry or coins as collateral. Many banks and NBFCs offer instant approval with minimal documentation.

Benefits of Gold Loans: ✅ Lower interest rates (7% to 15% per annum) compared to personal loans. ✅ Instant loan approval with minimal documentation. ✅ No need for a credit check, making it ideal for low-credit score borrowers. ✅ Flexible repayment options.

Drawbacks: ❌ You risk losing your gold assets if you fail to repay. ❌ The loan amount depends on the gold’s market value.

2.2 Loan Against Fixed Deposit (FD) – Best for Low-Interest Borrowing

If you have a fixed deposit (FD), you can use it as collateral to get a loan, typically up to 90% of the FD amount.

Benefits of Loan Against FD: ✅ Low-interest rates (1-2% above the FD interest rate). ✅ No need for a credit score check. ✅ Continued interest earnings on your FD while you use the loan. ✅ No processing fees in most cases.

Drawbacks: ❌ The FD remains locked until full repayment of the loan. ❌ Limited borrowing amount based on your FD value.

2.3 Credit Card Loan – Best for Short-Term Borrowing

Many banks offer instant credit card loans based on your credit limit and repayment history. These loans are pre-approved and require no additional paperwork.

Benefits of Credit Card Loans: ✅ Quick access to funds with no documentation. ✅ No need for collateral. ✅ Suitable for short-term expenses.

Drawbacks: ❌ High-interest rates (24% to 36% per annum) compared to personal loans. ❌ Defaulting on payments can severely impact your credit score.

2.4 Peer-to-Peer (P2P) Lending – Best for Flexible Loan Terms

P2P lending platforms connect borrowers with individual lenders who offer loans at negotiated interest rates. Some popular P2P lending platforms in India include Lendbox, Faircent, and i2iFunding.

Benefits of P2P Lending: ✅ Lower interest rates than traditional personal loans. ✅ Flexible repayment options. ✅ Suitable for borrowers with low credit scores.

Drawbacks: ❌ Higher risk of fraud due to unregulated lenders. ❌ Approval process may take longer than traditional loans.

2.5 Loan Against Property (LAP) – Best for Large Loan Amounts

A loan against property (LAP) allows you to pledge your residential or commercial property to secure a loan.

Benefits of LAP: ✅ Lower interest rates than personal loans (8% to 14% per annum). ✅ Higher loan amounts compared to personal loans. ✅ Longer repayment tenure (up to 15 years).

Drawbacks: ❌ Risk of losing property in case of non-repayment. ❌ Lengthy approval process due to property valuation checks.

🔗 For alternative loan options, check trusted lenders here:

IDFC First Bank Personal Loan

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

Axis Finance Personal Loan

Axis Bank Personal Loan

InCred Personal Loan

3. Choosing the Right Alternative to a Personal Loan

If you’re unsure which loan option suits you best, consider the following:

For quick cash: Choose a gold loan or credit card loan.

For lower interest rates: Consider a loan against FD or property.

For no-collateral loans: Explore P2P lending or personal loans from trusted lenders.

Each loan type has different benefits and risks, so it’s important to assess your financial situation before making a decision.

Exploring Smarter Loan Options

While personal loans are a convenient financing solution, they are not always the most cost-effective choice. By exploring loan alternatives such as gold loans, FD-backed loans, P2P lending, or loans against property, borrowers can find more affordable and flexible financing options.

Before making a decision, compare different loan types, check interest rates, and choose a borrowing option that aligns with your repayment capacity.

👉 For secure loan options, compare and apply here: 🔗 Compare & Apply for a Personal Loan

By choosing wisely, you can reduce your financial burden and ensure a safe borrowing experience.

[elaneducationloans]

https://handyclassified.com/how-to-get-an-education-loan-for-abroad-studies

[allindiagovtjobs]

What Happens If a Student Faces Difficulty in Repaying The Education Loan

What Happens If a Student Faces Difficulty in Repaying The Education Loan   Education is a transformative journey that empowers individuals with knowledge, skills, and opportunities for personal and professional growth. However, for many students, financing higher education can be a substantial challenge. To bridge this gap, education loans serve as a lifeline, enabling students 

[mostlysignssomeportents]

When private equity destroys your hospital

I'm on tour with my new novel The Bezzle! Catch me TOMORROW in PHOENIX (Changing Hands, Feb 29) then Tucson (Mar 9-10), San Francisco (Mar 13), and more!

As someone who writes a lot of fiction about corporate crime, I naturally end up spending a lot of time being angry about corporate crime. It's pretty goddamned enraging. But the fiction writer in me is especially upset at how cartoonishly evil the perps are – routinely doing things that I couldn't ever get away with putting in a novel.

Beyond a doubt, the most cartoonishly evil characters are the private equity looters. And the most cartoonishly evil private equity looters are the ones who get involved in health care.

(Buckle up.)

Writing for The American Prospect, Maureen Tcacik details a national scandal: the collapse of PE-backed hospital chain Steward Health, a company that bought and looted hospitals up and down the country, starving them of everything from heart valves to prescription paper, ripping off suppliers, doctors and nurses, and callously exposing patients to deadly risk:

https://prospect.org/health/2024-02-27-scenes-from-bat-cave-steward-health-florida/

Steward occupies a very special place in the private equity looting cycle. Private equity companies arrange themselves on a continuum of indiscriminate depravity. At the start of the continuum are PE funds that buy productive and useful firms (everything from hospitals to car-washes) using "leveraged buyouts." That means that they borrow money to buy the company and use the company itself as collateral: it's like you getting a bank-loan to buy your neighbor's mortgage out from under them, and using your neighbor's house as collateral for that loan.

Once the buyout is done, the PE fund pays itself a "special dividend" (stealing money the business needs to survive) and then starts charging the business a "management fee" for the PE fund's expertise. To pay for all this, the PE bosses start to hack away at the company. Quality declines. So do wages. Prices go up. The company changes suppliers, opting for cheaper alternatives, often stiffing the old company. There are mass layoffs. The remaining employees end up doing three peoples' jobs, for lower wages, with fewer materials of lower quality.

Eventually, that top-feeding PE company finds a more desperate, more ham-fisted PE company to unload the business onto. That middle-feeding company also does a leveraged buyout, pays itself another special dividend, cuts wages, staffing and quality even further. They switch to even worse suppliers and stiff the last batch. Prices go up even higher.

Then – you guessed it – the middle-feeding PE company finds an even more awful PE bottom-feeder to unload the company onto. That bottom feeder does it all again, without even pretending to leave the business in condition to do its job. The company is a shambling zombie at this point, often producing literal garbage in place of the products that made its reputation. Employees' paychecks bounce, or don't show up at all. The company stops bothering to pay the lawyers that have been fending off its creditors. Those lawyers sue the company, too.

That's the kind of PE company Steward Health was, and, as the name suggests, Steward Health is in the business of stripping away the very last residue of value from community hospitals. As you might imagine, this gets pretty fucking ugly.

Steward owns 32 hospitals up and down the country, though its holdings are dwindling as the company walks away from its debt-burdened holdings, after years of neglect that have rendered them unfit for use as health facilities – or for any other purpose. Tcacik's piece offers a snapshot of one such hospital: Florida's Rockledge Regional Medical Center, just eight miles from Cape Canaveral.

Rockledge is a disaster. The fifth floor was, at one point, home to 5,000 bats.

Five.

Thousand.

Bats.

(Rockledge stiffed the exterminators.)

The bats were just the beginning. One of the internal sewage pipes ruptured. Whole sections of the hospital were literally full of shit, oozing out of the walls and ceiling, slopping over medical equipment.

That's an urgent situation for any hospital, but for Rockledge, it's catastrophic, because Rockledge is a hospital without any hospital supplies. Steward has stiffed the companies that supply "heart valves, urology lasers, Impella catheters, cardiac catheterization balloons, slings for lifting heavier patients, blood and urine test reagents, and most recently, prescription paper." Key medical equipment has been repossessed. So have the Pepsi machines. The hospital cafeteria had its supply of cold cuts repossessed:

https://www.reddit.com/r/massachusetts/comments/1agc1j4/comment/kolicqo/

It's not just Steward's nonpayments that reek of impending doom. Its payments also bear the hallmarks of a scam artist on the brink of blowing off the con. The company recently paid off a vendor with five separate checks for $1m, each drawn on "a random hospital in Utah" (Steward recently walked away from its Utah hospitals; its partners there are suing it for stealing $18m on their way out the door).

This company – which owns 32 hospitals! – has resorted to gambits like sending photos of fake checks to doctors it hasn't paid in months as "proof" that the money was coming (the checks arrived 22 days later).

Steward owes so much money to its employees – $1.66m to just one doctors' group. But the medical staff keep doing their jobs, and are reluctant to speak on the record, thanks to Steward's reputation for vicious retaliation. Those health workers keep showing up to take care of patients, even as the hospital crumbles around them. One clinician told Tcacik: "I watched a bed collapse underneath a [patient] who had just undergone hip surgery."

Rockledge has nine elevators, but only five of them work – the other four have been broken for a year. The hospital's fourth floor has been converted to "a graveyard of broken beds." The sinks are clogged, or filled with foul gunk. There's black mold. Nurses have noted on the maintenance tags that the repair service refuses to attend the hospital until their overdue bills are paid. The fifteen-person on-site maintenance team was cut to just two workers.

Steward is just the latest looting owner of Rockledge. After the Great Financial Crisis, private equity consultants helped sell it to Health Management Associates. The hospital's CEO took home a $10m bonus for that sale and exited; Health Management Associates then quickly became embroiled in a Medicare fraud and kickback scandal. Soon after, Rockledge was passed on to Community Health Systems, who then sold it on to Rockledge.

Steward, meanwhile, was at that time owned by an even bigger private equity giant, Cerberus, which then sold Steward off. That deal was performatively complex and hid all kinds of mischief. Prior to Cerberus's sell-off of Steward, they sold off Steward's real-estate. The buyer was Medical Properties Trust, who gave Cerberus $1.25b for the real-estate: three hospitals in Florida and three more in Ohio. Steward then contracted to operate these hospitals on MPT's behalf, and pay MPT rent for the real-estate.

This complex arrangement was key to siphoning value out of the hospital and to keeping angry creditors at bay – if you can't figure out who owes you money, it's a lot harder to collect on the debt. The scheme was masterminded by Steward founder/CEO Ralph de la Torre. De la Torre is notorious for taking a massive dividend out of the company while it owed $1.4b to its creditors. He bought a $40m yacht with the money.

De la Torre was once feted as a business genius who would "disrupt" healthcare. But as Steward's private jet hops around "Corfu, Santorini, St. Maarten and Antigua" as its hospitals literally crumble, he's becoming less popular. In Massachusetts, politicians have railed against Steward and de la Torre (Governor Healey wants the company to leave the state "as soon as possible").

Florida, by contrast, is much more friendly to Steward. The state Health and Human Services Committee chair Randy Fine is an ardent admirer of hospital privatization and is currently campaigning to sell off the last community hospital in Brevard County. The state inspectors are likewise remarkably tolerant of Steward's little peccadillos. The quasi-governmental agency that inspects hospitals has awarded this shit-and-bat-filled, elevator-free, understaffed rotting hulk "A" grades for quality.

These inspectors jointly represent a mismatched assortment of private and public agencies, dominated by a nonprofit called Leapfrog, the brainchild of Harvard public-health prof Lucian Leape, who founded it in 2000. Leapfrog likes to tout its "transparent" assessment criteria, and Steward are experts at hitting those criteria, spending the exact minimum to tick every box that Leapfrog inspectors use as proxies for overall quality and safety.

This is a pretty great example of Goodhart's Law: "every measurement eventually becomes a target, whereupon it ceases to be a good measurement":

https://xkcd.com/2899/

But despite Steward's increasingly furious creditors and its decaying facilities, the company remains bullish on its ability to continue operations. Medical Properties Trust – the real estate investment trust that is nominally a separate company from Steward – recently hosted a conference call to reassure Wall Street investors that it would be a going concern. When a Bank of America analyst asked MPT's CFO how this could possibly be, given the facility's dire condition and Steward's degraded state, the CFO blithely assured him that the company would get bailouts: "We own hospitals no one wants to see closed."

That's the thing about PE and health-care. The looters who buy out every health-care facility in a region understand that this makes them too big to fail: no matter how dangerous the companies they drain become, local governments will continue to prop them up. Look at dialysis, a market that's been cornered by private equity rollups. Today, if you need this lifesaving therapy, there's a good chance that every accessible facility is owned by a private equity fund that has fired all its qualified staff and ceased sterilizing its needles. Otherwise healthy people who visit these clinics sometimes die due to operator error. But they chug along, because no dialysis clinics is worse that "dialysis clinics where unqualified sadists sometimes kill you with dirty needles":

https://www.thebignewsletter.com/p/the-dirty-business-of-clean-blood

The bad news is that private equity has thoroughly colonized the entire medical system. They took hospitals, fired the doctors, then took over the doctors' groups that provided outsource staff to the hospital:

https://pluralistic.net/2020/04/04/a-mind-forever-voyaging/#prop-bets

It's illegal for private equity companies to own doctors' practices (doctors have to own these), but they obfuscated the crime with a paper-thin pretext that they got away with despite its obvious bullshittery:

https://pluralistic.net/2020/05/21/profitable-butchers/#looted

The financier who decides whether you live or die depends on an algorithm that literally sets a tolerable level of preventable deaths for the patients trapped in the practice:

https://pluralistic.net/2023/08/05/any-metric-becomes-a-target/#hca

Private equity also took over emergency rooms and boobytrapped them with "surprise billing" – junk fees that ran to thousands of dollars that you had to pay even if the hospital was in network with your insurer. They made billions from this, and spent a many millions from that booty keeping the scam alive with scare ads:

https://pluralistic.net/2020/04/21/all-in-it-together/#doctor-patient-unity

The whole health stack is colonized by private equity-backed monopolies. Even your hospital bed!

https://pluralistic.net/2022/01/05/hillrom/#baxter-international

Then there's residential care. Private equity cornered many regional markets on nursing homes and turned them into slaughterhouses, places where you go to die, not live:

https://pluralistic.net/2021/02/23/acceptable-losses/#disposable-olds

The palliative care sector is also captured by private equity. PE bosses hire vast teams of fast-talking salespeople who con vulnerable older people into entering an end-of-life system before they are ready to die. Thanks to loose regulation, the nation is filled with fake hospices that can rake in millions from Medicare while denying all care to their patients (hospice patients don't get life-extending medication or procedures, by definition):

https://pluralistic.net/2023/04/26/death-panels/#what-the-heck-is-going-on-with-CMS

If you survive this long enough, Medicare eventually tells the hospice that you're clearly not dying and you get kicked off their rolls. Now you have to go through the lengthy bureaucratic nightmare of convincing the system – which was previously informed that you were at death's door – that you are actually viable and need to start getting care again (good luck with that).

If that kills you, guess what? Private equity has rolled up funeral homes up and down the country, and they will scam your survivors just as hard as the medical system that killed you did:

https://pluralistic.net/2022/09/09/high-cost-of-dying/#memento-mori

The PE sector spent more than a trillion dollars over the past decade buying up healthcare companies, and it has trillions more in "dry powder" allocated for further medical acquisitions. Why not? As the CFO of Medical Properties Trust told that Bank of America analyst last week, when you "own hospitals no one wants to see closed." you literally can't fail, no matter how many people you murder.

The PE sector is a reminder that the crimes people commit for money far outstrip the crimes they commit for ideology. Even the most ideological killers are horrified by the murders their profit-motivated colleagues commit.

Last year, Tkacic wrote about the history of IG Farben, the German company that built Monowitz, a private slave-labor camp up the road from Auschwitz to make the materiel it was gouging Hitler's Wehrmacht on:

https://pluralistic.net/2023/06/02/plunderers/#farben

Farben bought the cheapest possible slaves from Auschwitz, preferentially sourcing women and children. These slaves were worked to death at a rate that put Auschwitz's wholesale murder in the shade. Farben's slaves died an average of just three months after starting work at Monowitz. The situation was so abominable, so unconscionable, that the SS officers who provided outsource guard-labor to Monowitz actually wrote to Berlin to complain about the cruelty.

The Nuremberg trials are famous for the Nazi officers who insisted that they were "just following order" but were nonetheless executed for their crimes. 24 Farben executives were also tried at Nuremberg, where they offered a very different defense: "We had a fiduciary duty to our shareholders to maximize our profits." 19 of the 24 were acquitted on that basis.

PE is committed to an ideology that is far worse than any form of racial animus or other bias. As a sector, it is committed to profit above all other values. As a result, its brutality knows no bounds, no decency, no compassion. Even the worst crimes we commit for hate are nothing compared to the crimes we commit for greed.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/02/28/5000-bats/retaliation#charnel-house

[artisiumstudios]

So I saw a compilation of posts about Stan and his obsession with money and I'd like to hear your opinion:

"Sailing away in the Stan'o'war for Stan was about still being with his brother and getting out from the place that mistreated them but also about finding a treasure and becoming rich. It was pretty much both for him. Stan was looking for everything wrapped in one, but life got in the way. He was hung up on wealth through getting rich from treasure hunting. He did try treasure hunting without Ford, which makes me think that he did take it literally to an extent.

The treasure-hunting thing was serious enough for Stan to double down on it because he legit thought he could easily get rich from it regardless of how he went about it, with or without Ford. He went into it not understanding how rare gold was or how to find any treasure past metal detecting. When he realized he couldn't literally treasure hunt as easily as he thought, he abandoned his metal detector and turned to sales, making more money with shoddy products. It wouldn't make much sense for him to even try treasure hunting if he didn't really think he could get the millions Filbrick kicked him out over. He only abandons treasure hunting when he learns that he doesn't know what he's doing, doesn't get instant satisfaction, and that it's not viable for his purpose. That doesn't mean he didn't take it seriously; he's seriously looking for money.

Let's not kid ourselves here, it does equate to obsession with riches in Stan's case. We're not talking about someone wholesome who goes, "My treasure is the time I spend with my family." No, his obsession with money is as blatant as Ford's obsession with the weird and unknown. He grew up in a pawn shop, of all places, with a man who spoke money and a woman who gave overpriced predictions over the phone, where treasures constantly come and go like a revolving door, so that probably didn't help his treasure-hunting ideology. He saw treasures firsthand pass through his father's hands. That didn't just come from fantasy books.

The nature of a pawn shop is to buy valuable items at lower prices than a jeweler or collector for quick cash on the customer's part and sell for higher on the broker's part, often quickly. Or offer loans while holding a high-value item as collateral. This is how the Pines family have gotten any sort of wealth. Pawn shops are a literal revolving door of buyers and sellers of valuable items and can deal in a myriad of items, ranging from jewelry, historical items, fine art, firearms, vehicles, rare treasures, collectibles, etc.

Stan is an amalgamation of both parents if you think about it. His mother was a phone psychic who may or may not have been a swindler, while his father was after wealth with his pawnshop. Cutting corners and coasting on others to wealth was probably not the best lesson he could come away with those two. Treasure hunting would be a combination of their parents. Caryn deals with the supernatural and the excitement of the unknown with her psychic and tarot readings, while Filbrick is the more rigid, down-to-earth practicality, but it does not align with either's actual goals. Ford was spared this as his focus was elsewhere due to a rare condition impacting his social life that was hard to ignore. I'm honestly surprised Ford didn't come out of that house obsessed with money as well.

The more I analyze Stan and his upbringing, the more I see how his obsession didn't start after the ultimatum. After all, obsessions do tend to manifest as fantasies, dreams, thoughts, and urges, which is why I believe this started earlier than his teens. I mean, it would make sense as he and Ford had that whole "Kings of New Jersey" thing going on and Ford bringing up Meso-American gold, of all things, to find within the cave. It may not have been as strong, but it could have been present due to watching all the stuff that passed through the pawn shop at such a young age. Gold, diamonds, precious and semi-precious gems, etc.

If it weren't for the fact he grew up around people like Caryn and Filbrick, I probably would think the obsession started later rather than sooner. He didn't exactly need the ultimatum to become obsessed with being rich. That was just something that was thrown at him as part of his banishment from the house. Stan's obsession isn't a passing occurrence but a long-term one since he still has it well into adulthood. Considering he didn't take any other path to get a lot of money right out of the gate, it tells me this has been something he's been focused on for a while, and the ultimatum just kicked it into high gear out of necessity. It meant he no longer had the luxury to think or daydream about it until he and Ford were ready to move. He was forced to act on it with zero warning.

As he learned about how the world around him actually worked and his original plan was nothing but a hard-to-achieve dream, he turned to more reasonable ways to state that obsession. Well, "reasonable" in the beginning, at least. He did get into some pretty deep stuff that gave him quite an extensive criminal history... He's got a chip on his shoulder, and no normal job will be enough to do what he needs to mend his pride and make people eat their words. He's the type of character who looks at something and wonders if he can make a buck or more off it or how he can monetize it."

What do you think?

Alright get ready for my to break down EVERYTHING!

I feel like definitely sailing away for Stan was a way to run away from his home/school life. Looking at his childhood, the way his parents, peers, and teachers treat him, Stanley didn't exactly have the most pleasant childhood. For both Stan twins, they were each others only friend and safe place growing up. So escaping with his best friend was definitely the biggest reason for him to escape (Not to mention the head canon of Audhd Stan which maybe that would explain why he took the idea of living off treasure and adventure quite literally. Not to mention that perhaps he found marine life rather interesting, and well sailing overall)

Again it could fit into the Audhd head canon due to the fact that a lot neurodivergent people tend to react that way, if they're not instantly good at something they can sometimes just drop it and move onto the next thing. Let's also bring back Stan's statement of "I don't you, I don't need anyone!". Perhaps the fact that what he decided to pursue treasure hunting first wasn't because of the obsession itself, but rather that it was something that he had planned to do with Ford. In other words, he most likely believed that it was a skill he should've been good at in order for both him and his brother to survive off of, but the fact that he WASN'T good at it probably made him feel scared, ashamed, and maybe embarrassed given his last statement. It was probably a reality check that most definitely did not help Stan's self esteem.

Growing up in a pawn shop and with a "fake" (?) psychic that overcharged probably did spark an interest, and created a pathway for him to observe how to charm people for a bit of extra cash or a way to just know and understand how people work, HOWEVER I doubt that was the reason for his interest. I think rather than interest or obsession at first it was means to success, the fruits of their work in way. (Not to mention that this takes place during an era of war, where people are recovering from WW2, the great depression, the Vietnam war, Dust Bowls, etc. It was a time where the economy was recovering, where PEOPLE were recovering from the impacts. For the Pines, who I would like to point out were also Jews, it was a means to survival, to get every last penny they would just incase another tragedy striked and they could be prepared. They didn't have luxury items and weren't big spenders, their house was their place of work and if we really analyze Stan's behavior, we see the need for survival in money terms be represented through the fact that he SOMEHOW kept his car working and cared of for 40+ years even when he did have the money to get a new one, the way ten years later he still carried that duffle bag that sealed his fate and even the way he took care of Ford's house and his stuff.)

The final nail in the coffin that turned the interest of riches into an obsession was the way Filbrick actually made their kids feel like they were only worth their potential monetary value. (Something shown early on their childhood, for example when Stan got a bad grade and was forced to stand outside with the sign for "Extra Stan 3$ or more" is already a big example of Filbrick tying his children's worth to how much money they can bring him. You could argue whether this was for his own greed or some sort of sick way to show he cares for children by trying to make them care for money a bit more.) Especially with the way he got mad at Stan not for breaking the project and hurting Ford, but rather for "costing the family potential millions," and ripping away "their ticket for getting out of this dump". That mixed with the idea that Stan would only be welcomed back if he ever managed to get his hands on Millions of dollars truly changed his mind set of money.

While yes his interest probably was created the moment he was born into the Pines family, a family full of swindlers getting their hands on any last bit of money, their need for survival, the idea of success, and even understanding that it would potentially help him and his brother when sailing; the obsession didn't start until he was given the ultimatum of either being obsessed with it or losing his family all together.

But apart from that I love the way your big brain thinks and I loved this analysis and im sorry i couldn't answer earlier. I shall go to work now but thank you for sharing this with me!

[oblivionbladetd]

For those that remember my post about how Lily suing her critics very much being a bad idea, she just revealed she monetarily is capable of paying court costs and lawyers by maxing out her 20000 dollar line of credit. So we get to add the consequence of her not landing a landslide victory just straight ruining her financially!

Now, while collection agencies will only ever ask you nicely to please pay your shit in Canada plus tanking your credit score. This only really applies to small loans below 1000 dollars. For 20000 dollars, the bank will ABSOLUTELY be out for blood. They can and will just skip collections and sue for all that unpaid credit. Any collateral to get the line can and will cease before they even have to take it to court, and unless Lily has an absolute miracle lawyer, the bank can and will scrape that money out wherever they can find it.

Now remember, through all publicly available knowledge, we know Lily doesn't make enough to make a defamation case worth the time and money outside of a legally mandated "shut up and go away," and needs her to both provide definitive proof that one of her critics had cost her money and psychological damages, and that the statements that did this are, without a shadow of a doubt, completely false. Her getting the landslide win she needs to not owe her whole ass to the bank isn't impossible, but it is definitely below 1%. Let's also remember this would only shut up one critic with a large following. Of which she has at least a half dozen of currently active.

The point of this mental exercise is that it took me longer to write this than it did to research it. Not only is Lily a serial oversharer, but she's also dumb as rocks. I've got a longer post in the works, but it needs to be said now that she is and will always be her worst enemy.

[alex51324]

Please note that the civil fraud case is about him misrepresenting how wealthy he is, in order to get better rates on loans and insurance.

He is appealing, because of course he is, but he needs to put up the amount of the judgement in order to appeal; he would get it back if the appeal succeeded. The amount--it's called "disgorgement"--is based on what he is estimated to have fraudulently obtained.

In other words, the amount of money he got, by claiming to be wealthy, is an amount that he now can neither cough up, nor get anybody to lend to him. It's not just that he doesn't have the full $464 million in cash/liquid assets: he doesn't have enough to put up to get the loan*.

According to his own attorneys, he has approached 30 underwriters in an effort to secure a loan. None of them are interested in securing this loan with real estate or other non-liquid assets**.

So now he's asking the court to cut him a break, so that he can appeal the ruling. You know, the ruling saying that he lied about being rich, in order to fraudulently obtain loans. Because he doesn't have the money, and can't find anyone willing to believe him when he says he's good for it.

He's asking them to let him appeal without putting up the bond, so he can go back to court and prove that he really is rich and has no need to defraud anyone to get a loan.

(*No idea what they're asking in terms of collateral, but for reference, if you are a common criminal putting up a bond to get out of jail before trial, the bail bondsman usually asks 10% of the bond amount.)

(**Gee, I wonder why?)

[t-am-i-the-asshole]

AITA for refusing to sign for my sister's loan after she tried to do it behind my back?

So, I (F, 26) and my older sister (29) inherited a house from our grandparents a few years ago. It’s a two-family house, and both of our names are on the deed, so we both technically own it. We’ve been living together ever since, though we’ve had our fair share of arguments about the place over the years.

A few days ago, I found out that my sister has been trying to take out a loan against the house. She didn’t tell me about it, so I only found out after seeing some paperwork with both our names on it. Naturally, I got pretty upset and confronted her about it. She tried to brush it off, saying she just needed the money for “some stuff,” but when I asked her more details, she couldn’t give me a clear answer.

I told her if she wants to take a loan out on the house, she needs to buy me out. I’m not comfortable with her using our shared house as collateral without me being involved in the decision. But she got mad and said, “You’re being dramatic. I’ll take care of the payments, you don’t have to worry about anything. Just sign the papers, and you won’t have to do anything.”

The thing is, I know her. She’s been irresponsible with money in the past—missing credit card payments, struggling to pay rent, and even not paying bills on time. I just don’t trust her to keep up with the loan payments, and if she misses them, we could lose the house. So, I told her, “I’m not signing anything. If you miss the payments, we both could lose everything. I’m not willing to risk it.”

She got really defensive and told me I’m being selfish and not supportive. She said I should trust her, that she’d never let the house go. But honestly, I don’t think I can trust her with something like this, especially since I know how bad things could get if she misses a couple of payments.

Now she’s mad at me and calling me unreasonable, saying I’m trying to sabotage her and that I’m just being difficult for no reason.

So, AITA for refusing to sign for this loan and telling her she needs to buy me out instead?

[the-bjd-community-confess]

TW: discussion of finances, difficult/abusive friendships and relationships, ideation and attempts, mental health, physical health

(Mod: anon, my sympathies as this sounds like a very difficult/intense situation)

Mod, you might want to throw this under a cut. I got a bit rambly and off topic, and some content might be uncomfortable for some blog readers. People will want to skip this one.

I almost offered to buy a bjd from a friend and I'm so glad I didn't. Context- she's in a rough spot financially and was selling off what she could. I considered offering my best guess at market price, with the understanding that she'd be able to buy the doll back unmodified, maybe with a faceup with permission, probably with some new clothes for the naked boy, whenever she wished. Basically loan with collateral and some doll clothes.  She does nothing with him normally, so it would just be a graceful way give her some help. He's in pieces, so I'd even restring him for her. Straight loan isn't an option since she borrowed a substantial amount from me for rent, claimed she'd pay me back, then continued to complain she couldn't while buying random playline dolls. I forgave the loan in an attempt to keep the friendship (and I now regret it- that was some of my savings and more than a month of my low income. I will be fine and it'll make minimal difference longterm, but it hurts emotionally). I should have wasted it on more dolls or something less dishonest. At least a snappy joint doesn't hide that it turns red when it makes you bleed in a restringing...

Due to a variety of factors, I'm debating cutting contact with her. I don't want to lose her, since she can be an amazing friend when she wants to be, but this friendship is destroying me. She's willing to lie to, use, and manipulate me even when I express discomfort with what she's doing. She's guilt tripped me into a situation where I was concerned for my safety.  The next time she wanted me to be around that person, she just didn't tell me he was involved and invited me with no disclosure. She couldn't drive due to surgery, violently abusive ex wouldn't be around her without a witness to agree he didn't do anything, and I was the only one that might put up with their stupidity, so she pretended she was inviting me because she wanted me there. I had to leave my car behind so I had no way to get away for hours. This happened repeatedly, minus the car, and she would have blown up on me if I hadn't done it. I should have sent an invoice for my involuntary adult babysitting sidegig. That would have been a lot of doll money. She'll get on my case for being "prickly"- never mind that she lashed out at me for months at everything before I finally snapped. A chunk of it is in her own head. Text doesn't convey tone and she lashes out when she jumped to the worse conclusion possible, then gets mad when I'm confused and point out she jumped on me. I can be a jerk and lash out once in a while, but the real stuff she's mad about only started after MONTHS of being her emotional punching bag, the turning point being when I developed probable PTSD because of her. She flips out over the smallest things too- I once got yelled at for picking up a clump of dog fur off her floor. My therapist can't legally diagnose me, but we agree I meet minimum DSM-V PTSD criteria (and then some) as a direct result of her actions (I can't tell her- I saved her life when she attempted. She'd feel guilty and never ask for help the inevitable next time. I know I shouldn't blame her for attempting, but I can't tell if she even did it or faked it to guilt trip her ex back to her and out of anger at me. She did NOT care who it hurt if it had a chance of getting him back. She's never once apologized for what she yelled at me that night or how she's treated/used me since he left her.) I don't know if I can end the friendship without her trying again or trying to get back at me. She's the needs to be needed type and so knows a lot about me that could seriously impact my life if it got out. We met three years ago when she was in her mid thirties and I was a very anxious, lonely teenager (minor at the time) desperate for someone to understand me. She's got an alphabet soup mental health record, so it feels wrong to blame her for anything. Especially since she'll excuse any action anyone does to me if they have a diagnosis. Hypocrite. There's a chance she's got a terminal illness, but that's still up for determination and who knows if she's lying again. I don't want it to be true, but I can't help realizing that's my peaceful way out. 

I'm so sick of it. If I had tried to help her vy+ that stupid doll, I'd be trapped by a promise. I couldn't have even gotten rid of the thing without breaking my word. I'd have to go near her to dump it on her doorstep and I'd lose the money. I've met online doll people now. We're not friends and I'll likely never go to a meetup, but the void of squealing over a shared interest together feels filled. I'm for sure an outsider, but I've finally got a bit of a hobby community (and one sane long distance friend- the other local one wants occasional emotional support and ghosts most of the rest of the time. LD stays friends the whole time and appreciates my dolls even if he's not interested personally). Some of y'all can get crazy, but most of the people I've met are genuinely nice. Very opinonated on certain topics, sure, but chill if I don't rock the boats. 

Sorry for the rant. I'm exhausted and losing my filter. Plus you guys like drama, so eat some popcorn and please don't repeat my mistakes or do this to someone. 

~Anonymous

[dailyanarchistposts]

J.5.8 What would a modern system of mutual banking look like?

One scenario for an updated system of mutual banking would be for a community to begin issuing an alternative currency accepted as money by all individuals within it. Let us call this currency-issuing association a “mutual barter clearinghouse,” or just “clearinghouse” for short.

The clearinghouse would have a twofold mandate: first, to extend credit at cost to members; second, to manage the circulation of credit-money within the system, charging only a small service fee (one percent or less) sufficient to cover its costs of operation, including labour costs involved in issuing credit and keeping track of transactions, insuring itself against losses from uncollectable debts, and so forth. Some current experiments in community money use labour time worked as their basis (thus notes would be marked one-hour) while others have notes tied to the value of the state currency (thus, say, a Scottish town would issue pounds assumed to be the same as a British pound note).

The clearinghouse would be organised and function as follows. People could join the clearinghouse by pledging a certain amount of property (including savings) as collateral. On the basis of this pledge, an account would be opened for the new member and credited with a sum of mutual pounds equivalent to some fraction of the assessed value of the property pledged. The new member would agree to repay this amount plus the service fee into their account by a certain date. The mutual pounds could then be transferred through the clearinghouse to the accounts of other members, who have agreed to receive mutual money in payment for all debts or work done.

The opening of this sort of account is, of course, the same as taking out a “loan” in the sense that a commercial bank “lends” by extending credit to a borrower in return for a signed note pledging a certain amount of property as security. The crucial difference is that the clearinghouse does not purport to be “lending” a sum of money that it already has, as is fraudulently claimed by commercial banks. Instead it honestly admits that it is creating new money in the form of credit. New accounts can also be opened simply by telling the clearinghouse that one wants an account and then arranging with other people who already have balances to transfer mutual money into one’s account in exchange for goods or services.

Another form of mutual credit are LETS systems. In this a number of people get together to form an association. They create a unit of exchange (which is equal in value to a unit of the national currency usually), choose a name for it and offer each other goods and services priced in these units. These offers and wants are listed in a directory which is circulated periodically to members. Members decide who they wish to trade with and how much trading they wish to do. When a transaction is completed, this is acknowledged with a “cheque” made out by the buyer and given to the seller. These are passed on to the system accounts administration which keeps a record of all transactions and periodically sends members a statement of their accounts. The accounts administration is elected by, and accountable to, the membership and information about balances is available to all members.

Unlike the first system described, members do not have to present property as collateral. Members of a LETS scheme can go into “debt” without it, although “debt” is the wrong word as members are not so much going into debt as committing themselves to do some work within the system in the future and by so doing they are creating spending power. The willingness of members to incur such a commitment could be described as a service to the community as others are free to use the units so created to trade themselves. Indeed, the number of units in existence exactly matches the amount of real wealth being exchanged. The system only works if members are willing to spend. It runs on trust and builds up trust as the system is used.

It is likely that a fully functioning mutual banking system would incorporate aspects of both these systems. The need for collateral may be used when members require very large loans while the LETS system of negative credit as a commitment to future work would be the normal function of the system. If the mutual bank agrees a maximum limit for negative balances, it may agree to take collateral for transactions that exceed this limit. However, it is obvious that any mutual banking system will find the best means of working in the circumstances it finds itself.

[fincrif]

Unlock Financial Freedom: How to Make the Most of a Personal Loan in 2025

In today’s fast-paced world, financial needs can emerge without warning. Whether it’s a sudden medical emergency, a home renovation, or funding a dream vacation, having quick access to funds is critical. This is where a personal loan becomes a trusted financial ally. With the growth of fintech platforms and digital banking, applying for an instant personal loan is now easier and faster than ever.

But what exactly is a personal loan? How does it work? And how can you benefit from an online personal loan without falling into a debt trap? Let’s explore the nuances of borrowing wisely in 2025.

What Is a Personal Loan?

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The biggest advantage of a personal loan lies in its flexibility. Unlike home or auto loans that are tied to specific purchases, a personal loan gives you the freedom to use the funds as you see fit.

Why 2025 Is the Year for Instant Personal Loans

Over the last few years, technology has revolutionized how we access credit. Today, you can apply for an instant personal loan using your smartphone, upload minimal documents, and receive funds in your bank account in just a few hours.

Key reasons why more people are choosing instant personal loans in 2025:

Digital KYC processes make verification quick and easy.

AI-driven credit scoring improves approval rates.

Faster disbursals, often within 24 hours.

Minimal paperwork compared to traditional loans.

User-friendly mobile apps for tracking EMI and repayments.

With these advancements, it’s no surprise that online personal loan applications are surging across India.

Who Should Consider an Online Personal Loan?

You don’t have to wait for a financial crisis to consider taking a loan. A well-planned online personal loan can be a smart financial move when used wisely. Here are some scenarios where it makes sense:

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Debt Consolidation: Combine multiple high-interest debts into one manageable EMI.

Business Investment: Fund a small business or freelance gig without collateral.

Education Costs: Bridge funding gaps for your or your child’s higher education.

Weddings or Travel: Manage once-in-a-lifetime events or dream vacations.

Since these loans are unsecured, lenders typically evaluate your income, credit score, and repayment ability before approving the request.

How to Apply for a Personal Loan Online

Getting an online personal loan in 2025 is incredibly convenient. Here's a step-by-step guide to applying:

1. Choose the Right Lender

Compare loan offers from banks, NBFCs, and digital lenders. Look for the best combination of low interest rates, flexible tenure, and quick disbursal.

2. Check Eligibility

Most lenders have an online eligibility checker. Common criteria include:

Age between 21 and 60

Minimum monthly income (₹20,000–₹30,000)

Stable job or business history

CIBIL score above 700

3. Fill the Application Form

Go to the lender’s website or app and complete the application form. Provide details like name, address, income, employment, and bank information.

4. Upload Documents

Submit soft copies of your PAN card, Aadhaar card, salary slips, and bank statements.

5. Get Instant Approval

Thanks to automation, you’ll often receive a loan approval decision within minutes.

6. Loan Disbursal

Once approved, the instant personal loan is credited directly to your bank account.

Pros and Cons of Instant Personal Loans

✅ Pros

Quick Disbursal: Get funds within hours in urgent situations.

No Collateral: You don’t need to pledge property or gold.

Flexible Use: Spend the money on anything—from tuition fees to electronics.

Transparent Terms: Fixed interest rates and EMIs mean no surprises.

❌ Cons

Higher Interest Rates: Compared to secured loans.

Late Payment Penalties: Missing EMIs can affect your credit score.

Over-Borrowing Risk: Easy access can tempt unnecessary spending.

Borrow responsibly and evaluate your repayment capacity before applying for a personal loan.

Tips to Get the Best Online Personal Loan

If you’re planning to take a personal loan online, here are a few smart tips:

1. Compare Interest Rates

Even a small difference in rates can save you thousands in interest. Use EMI calculators to find the most cost-effective loan.

2. Choose the Right Tenure

A longer tenure reduces your EMI but increases total interest paid. Choose a balance that fits your income.

3. Maintain a Good Credit Score

A score above 750 boosts your approval chances and gives you access to better interest rates.

4. Avoid Multiple Applications

Every loan application generates a hard inquiry. Too many applications can hurt your credit score.

5. Read the Fine Print

Understand all terms—processing fee, prepayment charges, and penalties—before signing.

Instant Personal Loans for Different Professions

Lenders today offer customized instant personal loan options for various professionals. These include:

Salaried Employees: Quick approval based on salary slips and employer category.

Self-Employed Individuals: Loans based on bank statements and ITRs.

Doctors & Engineers: Special loans with lower interest due to low default risk.

Freelancers: Some fintech lenders cater to gig workers with alternative scoring models.

With personalized offers, getting an online personal loan is becoming inclusive and accessible to all.

Safety Tips When Applying for an Online Personal Loan

As digital lending grows, so does the risk of scams and frauds. Here’s how to stay safe:

Use Official Platforms: Only apply via verified websites or official lender apps.

Avoid Upfront Fees: Legit lenders never ask for processing fees before approval.

Check Lender’s RBI Registration: NBFCs must be registered with RBI to operate legally.

Secure Your Data: Don’t share OTPs or passwords with anyone.

Always cross-verify loan offers that sound “too good to be true.”

Prepaying or Foreclosing Your Loan: Smart or Not?

If you come into unexpected funds—like a bonus or gift—you might consider closing your personal loan early. But is it the right move?

Pros of Prepayment

Save on future interest.

Free up your monthly budget.

Improve your credit score.

Cons of Prepayment

Pre-closure charges may apply.

Might deplete your savings.

Check if your lender allows part-payment or foreclosure without penalty. This flexibility can make your instant personal loan more manageable.

Real Stories: How Personal Loans Changed Lives

Ramesh, a 30-year-old IT engineer, used an online personal loan to fund his mother’s surgery. The funds were disbursed within six hours, and he was able to repay the amount comfortably over 24 months.

Preeti, a freelance designer, took a ₹1 lakh instant personal loan to upgrade her workstation. Within four months, she tripled her income by attracting high-paying international clients.

These stories reflect the transformative power of personal loans when used wisely.

Final Thoughts

Whether you’re facing a sudden emergency or planning for something important, a personal loan offers a quick and effective solution. With digital platforms offering instant personal loan approvals and hassle-free processing, getting the funds you need is just a few taps away.

However, it’s crucial to borrow responsibly. Assess your needs, compare offers, and make sure you understand the loan’s terms before signing. With the right approach, an online personal loan can be more than just a financial stop-gap—it can be a stepping stone to better opportunities and peace of mind.

Want to explore your loan options? Visit www.fincrif.com and discover tailored online personal loan offers from trusted lenders—all in one place.

[elaneducationloans]

Explore effective strategies to secure a non-collateral education loan of 20 lakhs for studying abroad, offering solutions for students seeking financial assistance without collateral, especially for studies in the U

[allindiagovtjobs]

Is There a Maximum Limit to The Amount I Can Borrow Through An Education Loan

Is There a Maximum Limit to The Amount I Can Borrow Through An Education Loan   Is There a Maximum Limit to The Amount I Can Borrow Through An Education Loan.Pursuing higher education is a significant investment that often requires financial support beyond personal savings. Education loans have emerged as a lifeline for countless students

[dixiepawnhollywood]

The Advantages of Using a Pawn Shop: Why Dixie Pawn & Jewelry is Broward’s Top Choice

Discover the Benefits of a Pawn Shop

Pawn shops have long been a trusted resource for individuals looking to sell, buy, or secure loans on valuable items. At Dixie Pawn & Jewelry, located in Hollywood, FL, we’re proud to serve the Broward County and Fort Lauderdale communities with fair, transparent, and customer-focused services.

Here’s why pawn shops – and specifically Dixie Pawn & Jewelry – offer unique advantages for people in need of quick cash, great deals, or expert appraisals.

1. Quick Access to Cash Without Hassles

Need cash fast? Pawn shops provide a hassle-free solution.

Collateral Loans: At Dixie Pawn, you can secure a loan using items like jewelry, electronics, or designer handbags as collateral.

No Credit Checks: Unlike banks, pawn loans don’t require a credit score, making it easier to get the money you need.

Same-Day Cash: Skip the lengthy application process – walk in with your item and leave with cash the same day.

2. Fair Value for Your Valuables

Pawn shops offer competitive appraisals based on market trends. At Dixie Pawn, we specialize in:

Gold and Silver Jewelry – broken or in perfect condition.

Luxury Items – like designer handbags, fine watches, and estate pieces.

Electronics and Collectibles – high-value items you no longer need.

Our expert appraisers ensure you get fair market value for your items, whether you’re selling or pawning.

3. No Long-Term Commitments

Pawn loans are short-term, flexible, and don’t require repayment unless you want your item back. This makes them ideal for:

Covering unexpected expenses.

Managing short-term cash flow issues.

Avoiding long-term debt or interest-heavy credit options.

4. Great Deals on Unique Items

Pawn shops aren’t just for selling or pawning – they’re also treasure troves for unique finds. At Dixie Pawn, you can shop for:

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Friendly and Compassionate Support: We work with customers from all walks of life and focus on finding solutions that work for you.

Trust and Transparency: As a family-owned shop, our reputation is built on honesty and fairness.

Convenient Location: Serving Hollywood, Fort Lauderdale, and all of Broward County, we’re here to help you every step of the way.

Visit Dixie Pawn & Jewelry Today!

Whether you’re looking for a quick loan, selling valuable items, or hunting for unique deals, Dixie Pawn & Jewelry is your trusted resource. Located at 2316 N Dixie Highway, Hollywood, FL 33020, we proudly serve the Broward community with fair appraisals, expert knowledge, and exceptional service.

Stop by today or call us at 954-927-8400. For more details, visit our website at DixiePawnFL.com.

Let us show you why pawn shops remain a valuable part of the community – and how Dixie Pawn & Jewelry can be there for you when you need it most.

[classicquid]

Short Term Loans UK: Quick Cash Assistance Based on Your Needs

You are seeking immediate financial assistance to address unforeseen bills. Short term loans UK, which are designed to help customers with an any card, are the most profitable alternative. Because of this, they have no trouble getting financial aid in the modern era.

The most convenient aspect is that the borrower may easily obtain funds in the range of £100 to £2500 without providing the lender with any security. The payback time is also quite easy, as it is paid back in 2-4 weeks. It is explained that you can obtain the money without pledging the lender any kind of collateral.

You can use the short term loans UK direct lender for a variety of short-term needs, including utility bills, loan installments, rent, medical bills, auto repairs, outstanding bank overdrafts, and many more, as there are no restrictions on how you can use the funds.

There are very basic requirements that you must meet, such as being employed full-time for the past few months, being at least eighteen years old, earning at least £750 per month, and having an active bank account. You can then apply for short term loans UK without having to go through a credit check process and without needing an any card. As a result, you are eligible to get financial aid because of defaults, arrears, foreclosure, missing payments, CCJs, IVAs, or bankruptcy.

All Set to Apply For Short Term Cash That Is Easy To Receive and Quick to Obtain

Within a few minutes, we can assist you in resolving your financial dilemma. We recognize the urgency you have. Our goal is to expedite the process of obtaining short term loans UK direct lender. Instead of magic, it is a conglomeration of small, priceless actions. We disagree with needless procedure elaboration. Our procedures and the ones we would urge you to follow make this clear.

We work hard to identify our borrowers' common problems. Following that, we tailor an offer to fit their circumstances. In contrast to conventional lenders, we will never offer generic lending solutions to address every kind of financial issue. Without hesitation, you may rely on our services if you want to obtain short term loans UK direct lender from one of the most reputable lenders UK. We strive to provide our borrowers with the finest possible service every single day. The only goal we have is to design a loan product that fits our borrowers' budget. You may occasionally lose your peace of mind due to a minor financial necessity. In the UK, you can obtain a little quantity of short term cash loans to alleviate this kind of financial difficulty.

How is Short Term Cash Loan applications evaluated?

We consider the unique conditions when analyzing each application. We do a few tests to help us determine whether you are affordable. It will determine whether you are able to repay the short term loans UK direct lender amount.

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https://classicquid.co.uk/

[dominateeye]

Damn it's disappointing that Cohost is shutting down. I didn't use it nearly as much as I'd have liked; I never really felt like having a mobile browser interface was a sufficient replacement for having an app (having fewer things saved to the device meant that there were slightly more and longer loading times than an app would have, and that adds up to a slow-feeling experience), and to be honest I did miss the numbers aspect of knowing how many people enjoyed what you posted (even just a basic count of likes and followers would have been enough for me on this), but I really admired what they wanted to do and I wanted it to work. If for no other reason (and there were other reasons) than having a backup plan for if Tumblr implodes.

Yeah, having all of their funding come from a single investor was probably not going to work out long-term, and I think they knew this and were trying to get revenue streams established that weren't based off of exploiting user data and attention. But from the updates I read, pretty much every revenue-generating feature they tried to introduce got hit with roadblock after roadblock, and I think they just ran out of time to try different strategies and break through those blocks.

I saw someone else talk about how moderation may not be a problem that can be ethically solved, at least not under capitalism, and I think that might be right. Having not spent a huge amount of time on the site, I don't know what the culture was like recently, but I can imagine that having only one full-time moderator was probably not enough. And while I understand the principle of not wanting to rely on unpaid labor, and the potential social pitfalls of having a system like this, I really think they should have given more of a chance to having community-sourced moderators. Without being able to hire more mods, community mods would be the next best thing. But even professional mods have to deal with really disturbing things now and again, and the point about that just being a thing we have no real idea of how to account for and keep from traumatizing people is a really strong one. I imagine that a reluctance to expose unpaid users to that sort of thing was at least part of the decision, and if so I can't fault them for that.

It's unfortunate that their funding model means the site's code was their loan collateral, and that means it can't be open sourced, and that means it's not a situation where a new team can easily come along and stand on Cohost's shoulders. I have to wonder if it could have worked with some tweaks and a few more conventional social media features.

Maybe someday there will be a viable better way to do social media.