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carriesthewind · 2 years

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The IA's "Open Library" is Not a Library, Yesterday's Lower Court Decision does Not "Hurt Authors," and the Planned Appeal Is (Almost Certainly) NOT a Good Way to Try to Change Bad Law (In Fact, It's More Likely to Make Bad Law Worse)

Ok, so a day later, I'm still mad about this. If anything, I'm even madder. I'm going to write this as a response to the Internet Archive's "The Fight Continues" blogpost, but before we begin, let's get some facts straight:

Copyright law in the United States, especially the law around digital lending, currently sucks. It's really really bad, and anyone with a stake in the game - except the big publishers and e-book services that profit from it - hate it.

That said, copyright law exists as a thing. As I said in a previous post, you *can* try to change it through court cases, but there are certain things you cannot change. And there are certain things you can try to change, but it will be an uphill battle to change them in a positive direction. And notably, as bad as digital lending law is in the U.S., it still could always get worse! And one general rule of impact litigation: if you are trying to change the law, you want to make sure you have the best possible facts. Because the worse your facts are, the worse your case is likely to go.

Yesterday's district court ruling DID NOT CHANGE ANY SUBSTANTIVE COPYRIGHT LAW IN THE U.S. I cannot emphasize that enough. Regardless of whatever you think of the ruling, it was applying already existing law to the facts.

This is because the Internet Archive's "Open Library" absolutely violates existing copyright law. It just does! They broke the law, they had plenty of notice they were breaking the law and harming authors (more on that below) and just think the law shouldn't apply because they don't like it.

The Internet Archive's "Open Library" is not a library. Some big ways it differs:

While it pretends to have a one-to-one owned-to-loaned ratio, as the opinion granting the publisher's motion for summary judgement notes, IA concedes that it allows "partner libraries" to add books to its collection and then doesn't check (and has no way of checking) if the book is out of circulation at the "partner library" at the same time it's being "checked out" of the Open Library. In other words, it's like if you took a book, scanned the pages, and then gave the scans to your friend who then loaned the scans out to other people but totally promised they were only lending the scans to one person at a time so it's basically like there is still just one copy! And meanwhile you still own, are reading, and lending out the physical copy of the book. Except instead of one book, they were doing this on a massive scale. NO, THAT'S JUST THEFT.*

Speaking of which, the "Open Library" didn't keep that promise! Their "Emergency Library" just let everyone borrow as many copies at a time as they could! Again, THAT'S JUST THEFT.

Like I'm sorry if you don't like the idea of copyright at all: right now, we live in a capitalist system where authors need to be paid for their work in order to, like, not die. If you take their work, scan it into your computer, and give it away for free to anyone and everyone, THAT'S JUST THEFT.

Also, most authors love libraries! Libraries allow more people to access their books while not substantially impacting their revenue and not impacting their rights! AUTHORS - not just publishers, authors - DO NOT LIKE AI'S "OPEN LIBRARY." Why haven't authors sued to stop this before, why is this the publishers suing? From the above letter: "Even simple copyright lawsuits must be brought in federal court, and often cost hundreds of thousands of dollars. A challenge to the Internet Archive could easily cost millions." Publishers have deep pockets that authors and authors' groups don't. Also, authors who object to AI stealing their work are frequently subject to harassment.

If IA won this case, the new law that would be made is this: it would be legal to steal an author's works.

*I'm using "theft" and "steal" instead of "piracy" throughout this write-up to make it clear what this is. "Pirating books" is just stealing them.

So to sum up the facts above: copyright law in the U.S. sucks, but it exists. Attempting to change it for the better through the court system would be very difficult. Even then, changing the law for the better would likely require a case with good facts. Unfortunately, the law could also change for the worse. Yesterday's ruling did not change any law. The facts in this case are very bad, because the IA absolutely violated copyright law. That is in part because the IA's "Open Library" is not a library; they just steal books. Many (if not most) authors and author's groups don't like that IA is stealing from them. If IA won this case, that victory would mean that anyone was allowed to steal an author's works.

*deep breath*

Ok, let's turn to the IA's statement, "The Fight Continues":

"Today’s lower court decision in Hachette v. Internet Archive is a blow to all libraries and the communities we serve."

The Internet Archive is not a library.

No it's not. It is a blow to the Internet Archive, specifically, because you broke the law and it ruled you broke the law. As stated above, it does not change anything with regard to copyright, including digital copyright, law in the U.S., and therefore does not impact libraries or the communities they serve. If you appeal this ruling, as you have stated you intend to, and the law does change for the worse (which is always a risk of appeal, and a risk that gets worse when you have bad facts), THEN libraries might be affected.

"This decision impacts libraries across the US who rely on controlled digital lending to connect their patrons with books online."

I mean yes, in the sense that "controlled digital lending" isn't normal e-book lending. It's the thing you made up where you steal books and illegally redistribute them.

This genuinely sucks for libraries and communities that don't have other ways of accessing digital books because the current copyright scheme sucks so bad! Real libraries are doing things to try to help, and not just steal from authors! More on that below!

"It hurts authors by saying that unfair licensing models are the only way their books can be read online."

OH GO FUCK YOURSELVES

Ok this line, this line right here? That is honestly why I wrote this whole thing.

How DARE you cloak your theft in the real struggles authors face with unfair licensing models. How DARE you pretend you are on the side of authors when you are stealing their works, and they have made it quite clear that they would like you to stop, please. And how DARE you frame it in this "for exposure" bullcrap that ignores the real struggles that authors have to eat, to get healthcare, to get any sort of fair pay and wages for their work, and instead pretend that all authors should care about is whether or not their books can be read online.

And bluntly? If you - not IA, YOU, tumblr user reading this - if you shared this bullcrap statement and told people to donate money to the IA because of this? If you told people they should steal more books in response (because it's the publishers fault, ignore the real authors who are actually harmed)? How DARE you. How DARE you pretend to be on the side of authors and writers.

"And it holds back access to information in the digital age, harming all readers, everywhere."

Except for those readers who are also authors, and need to eat.

And readers who want to read books that will never get written if authors can't write (because they need to eat).

And also, no it doesn't, because it doesn't change the law. It just applies the law that already exists to you. Because you are not above the law.

"But it’s not over—we will keep fighting for the traditional right of libraries to own, lend, and preserve books."

You are not a library.

You were not (and are not) fighting for "the traditional right of libraries." Plenty of other organizations are fighting against bad copyright law in the U.S. This court case, however, was literally just about you stealing books.

Like I cannot emphasize enough that you were just stealing and you got caught.

"We will be appealing the judgment and encourage everyone to come together as a community to support libraries against this attack by corporate publishers."

You aren't a library.

Fuck you for borrowing the (justified) hatred of corporate publishers to paper over your bad actions.

Does "coming together as a community to support libraries against this attack" mean giving you money, as suggested by the calls to action at the bottom of this page? Because you aren't a library.

"We will continue our work as a library."

You aren't a library.

"This case does not challenge many of the services we provide with digitized books including interlibrary loan, citation linking, access for the print-disabled, text and data mining, purchasing ebooks, and ongoing donation and preservation of books."

First, and most important: these are all uncritically good and important things that the IA does! Despite the rest of this post, I am really really glad the IA exists, that it is doing these things, and I hope that it will continue to do this things!

You are correct that this case does not challenge those services! Because those services aren't just stealing books from authors, which is what you were doing, which is what this case is actually about!

I'm skipping the statement from Brewster Kahle because it's just more of the same. The statement then invites you to Take Action! by donating to IA and positing themselves as standing up for libraries! (They are not a library.)

But real libraries and librarians are actually fighting the good fight over lack of access to materials, especially digital materials and bad laws, and you can support them!

If you actually do want to "come together as a community to support libraries," and support digital access, may I suggest instead donating to The Brooklyn Public Library's Books Unbanned program?:

https://www.bklynlibrary.org/books-unbanned

While they aren't directly challenging bad copyright law, they are directly fighting back against laws that are much more actively and materially impact people's access to books, including providing free e-book and database access to everyone in the U.S. age 13-21. It's a great and important program, and your donations can really help!

#libraries #author's rights #internet archive

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cosmicpuzzle · 2 years

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7th Ruler and Meeting Spouse

So on request from one of my follower, I decided to make this post. It is not necessary that the house placement of 7th ruler must always indicate the environment or how you meet them.

Sometimes, the house location of Venus or Jupiter can work. Sometimes even the sign placement of Venus or Jupiter can indicate where you meet spouse. So you need to apply this with judgment.

7th Ruler in 1st : In traditional societies, a classic arranged marriage where bride and groom meet in presence of family. Sometimes you may know the person from childhood, like they are your relative or stayed in same house as you did. In western world, this can mean your spouse sees you somewhere and then approaches you for marriage.

7th Ruler in 2nd: This can mean again a marriage arranged by your family. Even in western societies, this can mean your family has selected one particular person already, may be they are your family friend from childhood or your family does business with their parents and they take over etc..may meet them at work too or when you go to bank or shopping.

7th Ruler in 3rd : This can mean marriage through matrimony or newspaper classifieds in traditional societies. In western world, can men through dating apps, all kinds of social media. You may meet them as team mates at office. You travel to a seminar or lecture and meet them there. You may meet at school, college, places of learning or your friends/siblings introduce you to them. They may be friends of friends.

7th Ruler in 4th: This can mean an arranged marriage by family in traditional societies. You may marry a relative too or someone known to your family circle. They may be distantly connected to your family. you may marry someone from your childhood, so someone you went to school with and later you propose them. Similar to 2nd house at times. You may also meet at office.

7th Ruler in 5th: This can mean you meet your spouse at a very young age like 7 to 10 years as 5th house is children. So you may meet them in school, playgrounds or they were your neighbors when you were a kid. Can meet at social parties, places of fun , drama theatres, magic shows, exhibition, political events, theme parks for children, children birthday parties etc.

7th Ruler in 6th: This can mean you meet them at work, you may meet at supermarket, gym, when you visit a doctor, or places where animals are cared for like PETA, medical shops, relief camps, donation places, NGO's etc.

7th Ruler in 7th: This can mean a formal arranged marriage. You may meet at foreign places or at weddings, social events or through your business partners.

7th Ruler in 8th : Nothing specific, you may meet them during emergencies or they come into your life suddenly out of nowhere like friends turning into lovers which you didn't plan for or marrying your friend's spouse after they get divorce..may be when you go to a funeral, you may meet at night clubs, forbidden places or they may be introduced when you get some therapy like they are your psychiatrist friend or your astrologer's friend. An astrologer may even give hints about your spouse. someone who may have had marriage already. You may also meet at places related to money like insurances, taxes, bank loans etc.

7th Ruler in 9th: You may meet them at college, university, when you pursue bachelors or masters. You may meet at religious places like temple or church or when you go to a pilgrimage. Sometimes this can also mean a marriage based on law like court marriage, you may meet at a trial, you may meet when you go abroad or you meet a foreigner online.

7th Ruler in 10th : You may meet them at work, in context of your job, or your boss introduces you to them, I have seen some cases where the person was personal assistant to boss and then they got married later, you may meet through business conferences or at Government offices, may be you need to renew some Govt. document etc.

7th Ruler in 11th: You may meet them over internet, dating apps, matrimony websites, business meetings or through professional colleagues. They may be your friend initially and becomes lover later. You both may have common friends. If you do business, then in context of advertisements, promotion campaigns etc, They may even be a celebrity.

7th Ruler in 12th: You may meet in foreign lands, when you go abroad, in hospitals, airports. I have seen one case, the guy was a travel agent and booked tickets for his client and went to airport to send off his client and met his wife there as she was client's sister. Meeting could be destined or fated in some way.

Book your Spouse Reading now. DM here.

#astrology #astro observations #astrology observation #astrology observations #7th lord in 3rd house #7th lord in 11th house #7th lord #marriage astrology #marriage in astrology #zodiac sign #zodiac #vedic astrology #vedic astro notes #vedic astro observations #astro community

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my-deer-friend · 5 months

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Hii I have a bit of personal question, if that is alright. I am very interested in the American Revolution but I do not live in America. I would like to become a historian or researcher of that time period one day. As a student do you think it is difficult to be a historian of the American Revolution when you are not American? I get a lot of books and information online, but I do not think it is the same as being in a place? Do you think your school program a good stepping stone to get into an American graduate school? Is that something you want to do one day?

Sorry for all the inquiries, you are just the only person on here who is in a similar situation as myself! Best wishes to you!

Hi Anon! This is a really good question, and I'll do my best to answer it as both a history student and a university professional.

(First, I'll note that my interest personally is not primarily in the American revolution, but rather in the 18th century more broadly. That includes lots of angles that I can pursue in Europe, not least looking at relations in the Atlantic world, the "republic of letters" and the enlightenment, and thematically I'm interested in queer history, which can be studied everywhere. I also have no desire to live in the US. But, yes, let's assume AmRev is the focus.)

There are different considerations for undergrad vs postgrad.

Undergraduate

At undergraduate level, it doesn't matter too much where you study. At this point in your journey, broadly speaking, the focus is on developing your academic skills, learning established content about your topic, and exploring a range of scholarly interests (not just the topic itself, but how to research that topic – i.e. methodologies). As long as your university has a department for American history, or even better a major, you're fine.

While you're busy with your degree, you can supplement your learning about the period in a lot of ways, including:

Using your own library to access books, journal articles and databases (and getting materials through inter-library loans if need be)

Using the vast and ever-growing online resources on American history provided by institutions like the Library of Congress, American universities and libraries (e.g. NYPL)

Where something isn't already available online, contacting the archive that has it and seeing if you can get a copy (I wrote a post about that)

Talk to your history prof about your interest, and they will probably be able to suggest some avenues to pursue. One very useful tool is to look up the AmRev curriculum or syllabus from other univerisities and see what readings and topics they cover (just google: "american revolution" syllabus). Here's one that came up.

And then – and I'll put this point in bold because it's the most important thing I'll say here:

👉✨Attend conferences✨👈

Conferences are where you make invaluable connections with like-minded scholars, hear about new research, find out about opportunities (scholarships, programs, funding, etc.), discover what a career in academia actually looks like, get advice from people already doing the job you want to do, and so on. There are even conferences specifically for undergrad students, or there might be a track at a generalist conference that allows emerging researchers to present on a topic. Lots of these take place online (hence, cheaper), or you might be able to apply for funding from your university to attend (or idk you have a fabulously wealthy great-aunt).

Postgraduate

While undergrad is more about learning, postgrad is more about finding out. The higher up the ladder you go, the narrower your focus becomes, and you start to need more specialised guidance. To get the most out of your learning, you need to go where the experts are, and naturally, many of the most cutting-edge scholars on American history are, well, in America. You'll want to be surrounded by a community of like-minded scholars. And yeah, "being there" can be important not just for better access to primary materials, but also for insights that come from physical, social and cultural proximity.

That said, I don't think it's impossible (or inadvisable) to study the American revolution outside of America; it's just trickier. Doing that successfully comes down to 1) finding the right advisor and 2) choosing the right topic.

By this point, you should know who the leading scholars are in your particular niche of interest. Nobody really studies "the American revolution" writ large; rather, they (and you) will focus on the political or racial or sociocultural or regional or culinary or-- whatever aspect of it. It might just happen that the people in your field are located near you.

You can also approach the topic from a different angle – start from a local point of interest that you can to relate to the AmRev. (Maybe you're Italian, and you know about Italian History Blorbo who went to fight in the war, and there's a story to tell there. Maybe you're Dutch and you have things to say about the intricacies of the financial and political support the Netherlands gave to America. And so on.) This might, in fact, lead to novel insights and perspectives that haven't been explored yet.

Good luck to you!

If anyone wants to share their own experiences, please feel free!

#amrev #american history #gradblr #feel free to send any follow-up questions #as you can see i'm very capable of rambling on about this topic

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magicalgirlmascot · 3 months

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I am curious: What are your current thoughts about the Toa Inika's drivining situation when they become Toa Inika?

Hahahaha I am SO glad you have asked me this because I have Thoughts

Terminology for non-Canadians (and/or Ontarians, idk what other provinces call things):

G1 - learner's permit, obtainable at 16, written test only, must have someone in the passenger seat who has had their full license at least 4 years, can't drive between midnight and 5am, can't go on certain high speed highways (401, QEW, etc) unless the person in the passenger seat is an accredited driver's ed instructor, must pass G2 exit test within 5 years or restart process

G2 - must have had a G1 for either a) 1 year or b) 8 months if graduated from driver's ed, practical exam, can drive alone, on any roads, at any time of day, certain other restrictions apply (esp if under age 19), must pass G exit test within 5 years or start over

G - must have had G2 for at least a year, practical exam, no restrictions except for basic road laws lol

MTO - Ministry of Transportation of Ontario, basically the DMV but for Ontario

OKAY SO ALL THAT SAID:

Jaller: got his G1 the day after he turned 16 because his birthday was on a Sunday and the MTO was closed. Took the driver's ed course affiliated with his school that same year. Just got his G2. Has to beg and plead to borrow a car because both his parents work and need vehicles for that, and he can bike to work from the house.

Hahli: has been driving farm vehicles illegally for several years. Has her G1 but isn't eligible for her G2 yet. Is learning how to drive from her uncle because he's the only person in her family who respects road safety laws. Can occasionally convince her parents to loan her the truck if she fills up the tank.

Kongu: got his G2 a couple months ago. Inherited his grandparents' junker. Mostly just drives himself and Tamaru to school and back. Grumbles about being his sister's taxi service but also uses this as an excuse to hang around in town.

Nuparu: almost eligible for his G2 but not quite. Took driver's ed exclusively to lower his insurance premium. The only Inika who knows how to drive stick. Wants to get a motorcycle license too. Does all his family's car maintenance in exchange for money being put into the "Nuparu Gets His Own Car" fund.

Hewkii: can't drive. Wants to move to a big city with good public transport so he never has to learn how.

Matoro: was forced to get his G1 against his will and avoids driving like the plague. Sometimes his parents make him drive to the store or something for practice and he hates it. Wants to move out to the woods so he never has to drive again.

Takua: had to learn to drive so they could take on more cleaning jobs. Is actually almost eligible for their full G license. Has the most experience driving because their mom would make them drive between jobs for practice when they had their G1. Is not allowed to cover their mom's company car with bumper stickers to their immense dismay, and also isn't allowed to borrow it for non-work reasons if it's not an emergency.

#bionicle #ficblogging #knps #am i projecting with matoro? maybe.#i feel like getting your license is almost a necessity in a small town where your school is in the next city over

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script-a-world · 6 months

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Submitted via Google Form:

Is it possible for a country to not have any private road vehicles unless you belong to government (but then they are still government vehicles loaned to government employees even if you're allowed a certain amount of private use as a perk)? There is a massive network of public transportation everywhere so there is little need of private vehicles. Also taxis are only run by the government and not private companies. Also how much would this help at with congestion on the road/gas prices?

Tex: I would hesitate to create a social hierarchy that depends on official permission to own and/or operate certain things that will likely end up being perceived as luxury goods, as historically it doesn’t end up well for the people with the special permissions. This seems like an attempt to solve a perceived problem by creating an incidental environment that will engender a culture of nepotism and corruption. This is a debate that has been going on in the real world for many, many years, and one of the products of this is alternative energy sources and incentivizing everyone (and I do mean everyone) into using public transportation more often. A government, as a general rule, likes to advertise their cost-cutting measures because it makes them look good and ensures fewer people are upset with them, so it seems politically more feasible to invest in public infrastructure for public transportation and give government employees stipends/bus passes/etc than designating them special permission to be the only ones to drive a personal vehicle.

Addy: Your world is set up such that only government employees (and maybe buses and taxis) have road privileges. What kind of city infrastructure will develop with those restrictions?

Public transit (of various forms) is only economically feasible if you have a high enough population density that people can walk to and from your public transit in a reasonable timeframe without having an absurd number of stops. That means that you'll have a moderate-to-high population density - think of the rows of townhouses you see on BBC. When you have a moderate-to-high population density, you also (generally, following natural development patterns) get a higher density of shops*. If you have shops close by, you can reach them by walking, without needing to use public transit at all. Following this chain of logic, when you have shops interspersed with residential homes, most everyday needs are fairly accessible by walking.

* Say a brand wants to have 5000 people in the region for each store. If you have 100 people per square mile, that means you have one store per 50 square miles. If you have 1000 people per square mile, you have one store per 5 square miles. If you have 5000 people per square mile, you can have one store per square mile.

So you've got walking (or wheelchair, etc) for most travel, and then buses/trains/subways/etc for going longer distances. Most people don't have access to cars, so your infrastructure is going to be based around foot travel. If you're a government employee, will a car really be a benefit to you? It'd be convenient for going between different cities and the like, but I imagine that it wouldn't be very efficient for traveling around town. Why does a foot-travel-based town need parking lots?

It doesn't.

Motorcycles and pickups could be useful in rural areas (hauling around animal feed and the like), but those aren't being used on public roads, so the restrictions wouldn't apply there.

For congestion… you design your roads based on the amount of traffic you see. If you don't have traffic, why would you have congestion? I'd recommend looking into light rail systems. England, Germany, Austria, etc – light rail is pretty useful.

For roads… I imagine them being similar to fire lanes and emergency access roads. Firetrucks need to be able to get anywhere in a reasonably fast manner, after all. Same for ambulances and police vehicles and whatever else might apply in your world (something something hospital helicopters). If you have buses, then you'll also have some kind of infrastructure for that. You'll also have some form of transportation for people traveling between cities (could be rail, could be road, depending on the purpose. Think of semi trucks, for example).

Gasoline. That's a bit trickier. What are petroleum products being used for in this country? How developed is the petrochemical industry? Supply and demand, yes, but you also get issues of economies of scale.

I'd really recommend looking at pre-car societies and their layouts. Also light rail and the history of petroleum (also Standard Oil). But to answer your question: congestion would be miniscule and gasoline would be a little complicated but probably doable.

Licorice: Is it possible? Yes, it’s perfectly possible. There are several islands around the world which have banned cars. One, which I have visited, is Hydra is Greece. Public transport is mostly conducted by mules and donkeys. Another is the channel island of Sark.

A society in which only government employees are allowed to use cars would be an oppressive society, an us-and-them society. It also begs the question of who counts as a government employee? Nurses and doctors? Train drivers? And why would most of them need a car?

If you want this imaginary society to be a utopia rather than a dystopia, you could allow private car ownership on a need basis. Emergency services workers need cars. Public transport drivers need cars, unless the public transport runs round the clock. Farms may sometimes need cars. For some disabled people and their carers, a car can transform their quality of life. So perhaps it is these people who should be granted a licence to own a car, rather than civil servants?

Presumably people without cars will still be allowed to own bicycles, motorbikes, electric bicycles, scooters, segways, and other personal motorised methods of getting about. You’re going to need a good road infrastructure for these things and for the public buses and trams.

If your country is self-sufficient in oil and gas, drastically reducing the number of cars on the road might have a local impact on gas prices. If it imports gas, then it may have less effect. Here’s an NPR article on how the price of gas is determined.

But remember, gas is used for many purposes beside driving cars, so a rise or fall in demand from private car owners may not have the impact on gas prices that one might expect.

#google submitted #technology #transit

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In his or her record, he or she should have sufficient funds, at least £700. He or she must provide documentation proving their citizenship or proof of residence in the United Kingdom for at least the previous year. He or she is entitled to a functional financial balance that is at least six months old. Given that it is required, he ought to be able to return the credit within the allotted period.

You can get a short term cash loans for a short period of time—two months starting from the date of endorsement—with a maximum amount of £1,000. It's intended for clients who meet the requirements in the terms and language, as it has been shown above. The short term loans UK direct lender obtained is used to pay for unforeseen needs such as groceries, rent, medical visits, the cost of a child's schooling or daycare, unexpected bank overdrafts, auto repairs, and other emergency bills.

Thanks to soft searches, we offer a prompt eligibility response before to your online application for a loan, so it won't have an impact on your credit score. Classic Quid is here to help, whether you need a short term loans UK for debt consolidation, overdue debt repayment, or something else entirely. You are not required to be a homeowner in order to apply for our short term loans direct lenders up to £2500. We just require a few personal facts to get started on your personalized quote and provide you a fast answer regarding your eligibility. From here, a breakdown of any interest payments together with the monthly repayments for a loan will be displayed to you.

https://classicquid.co.uk/

#Short Term Loans UK #Short Term Loans UK Direct Lender #Short Term Cash Loans

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paydayquid · 8 months

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Short Term Loans UK: Use Debit Cards to Manage Emergencies

Do you require money for an emergency? Are you eager for pay day? You can therefore apply for short term loans UK in these situations. Emergencies don't happen when you plan ahead. Therefore, in order to meet these obligations, you must have enough money on hand. However, if you don't have any cash on hand, don't worry—this plan can easily provide you with immediate financial assistance.

Debit cards for short term loans UK are an easy and quick way to receive cash when you need it. You can meet a number of needs with the money earned, including unpaid bills, school fees, household expenses, home renovations, auto repairs, modest parties, etc. You should also do some online research because, because of the short term nature of the loan, the interest rates are a little bit high.

Since there are no restrictions on this credit, you can use the sanctioned amount without first obtaining authorization. You can use the money for a variety of things, like your child's tuition, small-scale home or auto repairs, unforeseen medical needs, grocery expenses, quick getaways, and the purchase of furnishings for your home, among other things. This helps you avoid all the time-consuming and stressful formalities. This means you must upload the necessary and fundamental paperwork here.

Qualification standards

Should be a UK citizen

Regular income is required to make loan payments on time.

The minimum age should be eighteen.

Should own a current bank account

People with low credit scores frequently experience rejection. The person feels anxious and panicked as a result. Assuming you are experiencing a similar situation, you need to be conscious of the discomfort and abuse during that motion. Due to their prior credit history, no lender will be willing to work with such people. There's no need to worry in this situation because you may apply for short term loans UK direct lender without having to worry about a credit check. The creditor will assess your present financial situation and, if approved, credit will be issued directly to your account.

You can source the cash against acceptable terms and circumstances even before you choose an offer if you conduct thorough study and compare rate quotations. This implies that you won't ever have to worry about repaying the cash you were given.

Everybody encounters an unforeseen emergency at some moment, which could leave them in a difficult situation. Fortunately, borrowers with poor credit and those in need of a short term loans direct lenders have options. Loans for cash advances are a good choice for people who need money right away. The same day they are authorized, the funds are transferred.

Similar to payday loans, same day loans UK are modest, short-term loans that offer a simple, quick way to receive cash with fewer restrictions than a standard quick loan. Usually, these loans have brief durations for repayment. They are typically utilized in times of emergency when finances are tight. Generally speaking, you can borrow between £100 and £2500. You can get short term cash loans of up to £5,000 from certain UK lenders.

https://paydayquid.co.uk/

#Short Term Loans UK #Same Day Loans Online #Short Term Cash Loans

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pricemint · 10 months

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How to Get the Best Personal Loan Offers in India

Introduction

In today’s fast-paced world, financial needs often arise unexpectedly. Whether it’s a medical emergency, a home renovation project, or a dream vacation, personal loans can provide the financial flexibility you need to make your aspirations a reality.

Pricemint, an Indian fintech platform, is dedicated to helping individuals unlock their financial potential by offering a straightforward and user-friendly process for obtaining personal loans.

Benefits:

Loan Comparison: Easily compare personal loan offers from multiple banks and financial institutions.

Competitive Interest Rates: Access low-interest rates and potentially save money over the loan tenure.

Convenient Digital Process: Apply for personal loans conveniently online, from anywhere.

Customized Loan Offers: Get loan offers tailored to your unique financial situation.

Flexible Loan Amounts: Choose from a wide range of loan amounts to suit your needs.

Varied Tenure Options: Select a repayment period that matches your financial circumstances.

Regional Considerations: Loan terms are adjusted to regional factors that may affect your eligibility.

Transparent Process: Clear information about interest rates, fees, and terms is provided.

Personalized Assistance: Receive guidance and support throughout the loan application process.

Privacy and Security: Your personal information is protected in accordance with their Privacy Policy.

How to Get the Best Personal Loan in a Minute –

Step 1: Select Your Employment Type

The first step in securing a personal loan through Pricemint is to define your employment status. Pricemint recognizes that different employment types may have distinct loan eligibility criteria. You can choose from the following options:

Salaried: Select this option if you are employed by a company and receive a regular salary.

Self-Employed Professional: If you work independently as a professional, this is the choice for you.

Business Owner: If you own a business, you can choose this option.

This initial step helps Pricemint tailor your loan options to your specific employment situation, ensuring that you receive the most relevant loan offers.

Step 2: Your Monthly Salary

Your monthly income plays a crucial role in determining your eligibility and the loan terms available to you. In this step, you will be asked to provide your monthly in-hand income. It’s essential to provide an accurate representation of your earnings to receive loan offers that align with your financial capacity.

Alternatively, you can simply type in your monthly income to expedite the process.

Step 3: Choose Your Primary Bank Account

Selecting the bank account for loan disbursement and repayments is the next step in the process. Your primary account should be the one you actively use for your financial transactions. Pricemint offers a list of popular banks to choose from, including HDFC BANK, SBI BANK, ICICI BANK, KOTAK BANK, AXIS BANK, BOB BANK, YES BANK, and an option for OTHER BANK. This choice ensures seamless loan disbursements and repayments.

Step 4: Provide Your Employment/Company Name

To gain deeper insights into your employment details, Pricemint requests the name of your employer or company. This information helps in assessing your financial stability and eligibility for personal loans.

Step 5: What’s Your Residence Type?

Understanding your living situation is crucial for evaluating your lifestyle and its financial implications. You will be asked to choose from various residence types:

Owned by You/Spouse

Owned by Parents

Rented with Family

Rented and Stay Alone

Company Provided

By selecting the option that best represents your current residence type, you help Pricemint tailor loan offers to your specific circumstances.

Step 6: Enter Your Current Residence City or Town

To consider regional factors that may affect your loan terms and eligibility, Pricemint requests the city or location where you currently reside. This information ensures that the loan offers you receive are in line with the conditions in your area.

Step 7: All Set! What’s Your Desired Loan Amount?

Finally, it’s time to specify the loan amount you wish to borrow. Pricemint offers a flexible range, catering to various financial needs. You can choose from the following options:

Under 1 Lakh

2/4 Lakh

5/9 Lakh

10 Lakh And Above

This wide range provides the

flexibility to select the loan amount that best suits your unique financial requirements.

Final Step – Enter Your Personal Details

In the last step, you will be required to enter your personal details, including:

Your Name

Your Email Address

Your Phone Number

This information is necessary to complete the application process and to contact you with personalized loan offers.

By clicking the “Get Offers/Apply Now/Continue” button, you indicate your acceptance of the Privacy Policy, ensuring the security of your personal information.

Conclusion

Pricemint makes obtaining personal loans in India a hassle-free process. By following the step-by-step guide outlined in this article, you can seamlessly navigate the application process, receive personalized loan offers tailored to your unique circumstances, and secure the financial support you need to achieve your goals and secure your future.

With a wide range of loan amounts, flexible tenure options ranging from 3 months to 8 years, and the ability to compare multiple offers with different interest rates, Pricemint empowers you to make informed financial decisions and choose the best loan deal for your needs.

Don’t let financial constraints hold you back from pursuing your dreams and addressing your urgent financial needs. Unlock your financial potential with Pricemint’s user-friendly personal loan application process and take control of your financial future. Get started today and embark on your journey toward financial stability and prosperity.

#bank #banking #credit #credit cards #credit repair #credit report #credit score #finance

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