#cheapest personal loan

[financing007]

In the realm of modern finance, the concept of instant personal loans has revolutionized the way individuals access much-needed funds. This paradigm shift is attributed to the seamless online application process, which allows borrowers to submit their loan requests from the comfort of their homes. Gone are the days of tedious paperwork and long waiting times. 

[exagides]

I really should have just put a note on my blogs to say I'm on temporary hiatus but I'm hoping to be back online somewhere around July, cross your fingers for me

[nerdie-faerie]

Why is it that when I'm sick, finishing work late because a load of people didn't show up and ongoing work drama, stressed about my upcoming essay and still have a hour walk before I can get home, my dad is apparently kicking off and threatening to kick me out when I'm not even there??

[phfleasingpvtl]

Our objective at PHF Leasing Limited is to give admittance to vehicle advances, home endlessly credit against property at knowledge serious financing costs. We are here to help you in satisfying your fantasies.

[shubhbank]

Apply for an Instant Personal Loan! Easy online application, fast approval, and funds in your account within hours. Get the financial help you need now!

[grdindia]

The Premier Home Loan Provider: Your Ultimate Financial Partner

Introduction

When it comes to securing your dream home, finding the right home loan provider is paramount. You deserve a partner who not only understands your unique financial needs but also provides the best terms and support throughout your homeownership journey. In this comprehensive guide, we, as your trusted experts, will explore the key aspects of choosing the premier home loan provider that aligns perfectly with your goals.

Introduction: The Importance of a Reliable Home Loan Provider

The process of obtaining a home loan can be overwhelming, but with the right partner by your side, it can become a smooth and efficient experience. Let's delve into the crucial factors that make a home loan provider stand out from the rest.

1. Competitive Interest Rates

One of the primary factors that borrowers consider when choosing a home loan provider is the interest rate. We understand that securing the lowest possible interest rate can save you thousands of dollars over the life of your loan. At our institution, we continually strive to offer some of the most competitive rates in the market. Our commitment to transparency ensures that you fully understand the terms of your loan, allowing you to make an informed decision.

2. Customized Loan Options

Every homeowner's financial situation is unique, and cookie-cutter loan solutions may not suffice. That's where we excel. Our team of experts will work closely with you to understand your specific needs and financial goals. We then tailor a loan package that suits your requirements, ensuring you're set up for financial success in the long term.

3. Streamlined Application Process

We recognize that time is of the essence when purchasing a home. Our streamlined application process minimizes paperwork and bureaucracy, enabling you to move closer to your homeownership dreams swiftly. We guide you through every step, from the initial application to the closing of your loan, making the journey as hassle-free as possible.

4. Exceptional Customer Support

Our commitment to your satisfaction doesn't end with loan approval. Our dedicated customer support team is always ready to assist you with any inquiries or concerns you may have throughout the life of your loan. We believe that great service builds lasting relationships.

5. Financial Education and Resources

We understand that navigating the world of home loans can be confusing. To empower our clients, we offer a wealth of educational resources, including articles, calculators, and personalized financial advice. We want you to feel confident and informed every step of the way.

Why Choose Us Over Competitors

In a crowded marketplace of home loan providers, we set ourselves apart in several ways:

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Our team is composed of local experts who understand the unique nuances of the housing market in your area. This expertise allows us to provide you with insights and advice that can make all the difference in your home-buying journey.

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We leverage cutting-edge technology to offer a seamless online experience. You can apply for a loan, track your application status, and even make payments online, all from the comfort of your home.

Flexible Repayment Options

Life is unpredictable, and your financial situation may change. We offer flexible repayment options, including refinancing and loan modification, to adapt to your evolving needs.

Transparency and Honesty

We believe in transparent and honest communication. There are no hidden fees or surprises in your loan terms. What you see is what you get, and our clients appreciate our straightforward approach.

Community Engagement

As a responsible lender, we are deeply committed to the communities we serve. We actively engage in local initiatives and support causes that matter to our clients, giving back and making a positive impact.

Conclusion: Your Path to Homeownership Starts Here

In the world of home loans, choosing the right provider is the first step towards achieving your homeownership dreams. We are dedicated to being the premier home loan provider that you can trust. With competitive rates, personalized solutions, exceptional support, and a commitment to your financial success, we are your ideal partner in this important journey.

[financewithworld]

कम क्रेडिट स्कोर वालो को भी यहां से मिल रहा है लोन, जानिए पूरी डिटेल

अगर आप तुरंत लोन लेना चाहते हैं और आपका सिबिल/क्रेडिट स्कोर अच्छा है तो आपके पास लोन लेने के कई तरीके हैं। लेकिन क्या हो अगर आपका सिबिल खराब है तो आप लोन कैसे ले पाएंगे? दोस्तों आपको बिल्कुल भी परेशान होने की जरूरत नहीं है। इस लेख में हम आपको कम क्रेडिट स्कोर वाले लोन और कम क्रेडिट स्कोर वाले लोन ऐप्स के बारे में जानकारी देंगे ।

हमारी वेबसाइट पर जाएं

सिबिल स्कोर क्या है? । What is CIBIL score?

एक उधारकर्ता की साख को क्रेडिट रेटिंग या क्रेडिट स्कोर द्वारा दिखाया जाता है, जो एक संख्यात्मक मूल्य है। सीमा 300 से 900 है। एक उच्च क्रेडिट स्कोर कम जोखिम दर्शाता है। क्रेडिट स्कोर विभिन्न चरों को ध्यान में रखते हुए क्रेडिट ब्यूरो द्वारा प्राप्त जानकारी द्वारा निर्धारित किया जाता है, जिसमें पुनर्भुगतान इतिहास, उपयोग अनुपात, पिछले देय भुगतान आदि शामिल हैं।बैंक या स्वतंत्र ऋणदाता आमतौर पर 750 या उससे बेहतर क्रेडिट स्कोर वाले उधारकर्ताओं को वरीयता देते हैं और उन्हें कम ब्याज पर व्यक्तिगत ऋण प्रदान करते हैं। दूसरी ओर, 700 से कम सिबिल स्कोर वाले उधारकर्ताओं के लिए सख्त पात्रता आवश्यकताएं और उच्च ब्याज दरें लागू होती हैं।

सिबिल स्कोर का महत्व । Importance Of CIBIL Score

क्रेडिट योग्यताउधारकर्ता की विश्वसनीयता का आकलन करने के लिए ऋणदाता क्रेडिट स्कोर का उपयोग कर सकते हैं। पिछले पुनर्भुगतान इतिहास और प्रवृत्तियों के आधार पर, यह उधारकर्ता की ऋण राशि का भुगतान करने की क्षमता को दर्शाता है। उम्मीदवार की साख का निर्धारण करने के लिए सबसे महत्वपूर्ण और सटीक मीट्रिक उनका सिबिल स्कोर है। इसके अलावा, उच्च सिबिल स्कोर वाले आवेदकों को आकर्षक ऋण लाभ प्राप्त होते हैं।

कम ब्याज दरेंपैसे उधार लेने के लिए , उधारकर्ताओं को ब्याज की थोड़ी राशि का भुगतान करना होगा। प्रत्येक बैंक या उधार देने वाली कंपनी लोगों के सिबिल स्कोर के आधार पर अलग-अलग दरों का आकलन करती है। कम स्कोर के विपरीत, उच्च स्कोर के परिणामस्वरूप सस्ती ब्याज दरें और कम कागजी कार्रवाई होती है। कभी-कभी, कम क्रेडिट स्कोर वाले उम्मीदवारों को लोन के लिए स्वीकृति नहीं मिल पाती है । इसलिए एक व्यक्तिगत ऋण के लिए एक ठोस क्रेडिट स्कोर आवश्यक है।

मिलती है तेज़ ऋण स्वीकृतिआपका सिबिल स्कोर और आपके ऋण के स्वीकृत होने में लगने वाला समय सीधे जुड़ा हुआ है। इसलिए, बेहतर स्कोर से तेजी से दस्तावेज़ प्रसंस्करण और संवितरण परिणाम। इसके विपरीत, यदि आपका स्कोर कम है तो ऋणदाता आपकी बारीकी से जांच करते हैं।

लंबी शर्तों के साथ ऋण सीमाएं बढ़ती हैंएक बड़ी ऋण राशि के लिए बातचीत करने की क्षमता एक अच्छा CIBIL स्कोर होने का एक और लाभ है। उधार देने वाली संस्थाएं अक्सर बड़ी मात्रा में रकम देने के लिए तैयार रहती हैं क्योंकि आपका उत्कृष्ट स्कोर आपकी विश्वसनीयता से बात करता है। इसके अलावा, अच्छे स्कोर वालों को लंबी अवधि के लिए ऋण मिल सकता है।

पूरा आर्टिकल पढ़ने के लिए हमारी वेबसाइट पर जाइए www.financewithworld.com

[kalena-henden]

I’m loving The Midnight Romance in Hagwon. It’s really a slow burn friends to lovers. They’ve known each other for so long and always had a special connection but because of the age gap and power dynamics their relationship stayed platonic. Since he decided to join the academy with her, you can see them sacrificing for and worrying about each other. They’ve been carefully poking and prodding each other with work and personal boundaries. I love when he asked her if she could ‘read between the lines’ because that’s literally their job as language teachers and it’s what we as an audience have been doing as well. Both for her benefit and ours, it’s his version of ‘can I be anymore obvious?’  LOL

It’s so cute how lowkey and awkward they are about their burgeoning feelings. He’s barely holding on by a thread but Hyejin admitting she liked the way Junho upended her ridged, overly planned, workaholic life to make her want more. *clutches heart* He’s probably dated but she’s been dedicated to her job to the point of no social life. She a bit unsure of how to proceed but I like that she’s up for the adventure of falling in love.

As for her director, it was interesting to find out that he made everyone think he treated her well. When in reality, he had always taken her to the cheapest restaurants, gave her loans to emotionally blackmail her, and put in non-competes to her contract (which are starting to become illegal alot of places in my country). The fact that he didn’t even wait 12 hours to officially try to soft get rid of her was disgusting. He could have tried to build up the Korean department by getting new teachers to do other schools or by building up other teams like English or Math to grow his business so it wouldn’t be as reliant on Hyejin. That’s his fault. As Hyejin said, she was willing to take less if it meant building something special together but once he broke her trust all bets are off. She owes him nothing.

The Grey Witch offered her another terrible deal as well. Even though she’s nearing retirement, I understand why she wouldn’t want another teacher stealing her students simply to keep her pride intact. While she was underhanded in making sure her students wouldn’t be able to attend the lecture, except for the spy she blackmailed into attending, she was trying to protect her domain. But the offer she made to Hyejin was pathetic at best. As Hyejin told Junho, it was the bare minimum of what she is worth. That whole ratio salary thing was such a cheap trick. Very shortsighted. It did not offer any real job security or power.  She was still going to rule her castle. If the Grey Witch truly wanted to retire gracefully and pick a successor, she should have offered to sell her academy to Hyejin for a tidy sum. 

While I understand that the economics of successful talent can be taxing for business owners, it’s literally the owners’ job to assess those risks and build their business around them accordingly. In general, even the best talent gets kicked to the curb at a moments notice so I don’t begrudge the talent for asking for the best terms for themselves. Also, more often than not, business owners (and corporate CEOs) take huge advantage of the majority of their average employees so I have zero sympathy for them. They are more than getting their money's worth. 

However, I do like watching the politics of these business owners versus talent play out.

[angelbxxy]

Hey y’all idk how this works I’ve never been struggling this hard before. My two daughters lost their dad my fiancé a week ago from a heart problem we didn’t know he had. It was sudden and now I have to plan a funeral alone. I never imagined that he would be gone we were just talking about getting a life insurance policy like a month ago but never did it. I already have our two daughters I gotta take care of on 1 income now I don’t know how I’m gonna pull this funeral off of anyone can help us send him up the right way plz consider donating 🥺😭❤️

Cashapp $prettymom18

January 15th 2023🚨⏰⚰️

Update!!!!!

Still waiting on donätîons I currently only have $250(I took out a loan that’s all I was approved for)/$3,400(cost of funeral service and funeral home plus casket. The $3,400 DOES NOT INCLUDE THE BURIAL 🪦🥺😭⚰️😣♥️

Please help us if you are able and I would appreciate it if you can not help us financially, a reblog and prayers will always be appreciated.

RIP my one and only Prince Charming 🥺❤️🪦⚰️

Cashapp $prettymom18

UPDATE JAN15th 8:54pm

Still 0 help but I’m still great full for all the reposts and likes if you know anyone who may be able to help or has a big following on here PLEASE don’t hesitate to tag them in ur repost or just tag them on the comments ❤️🙏

PS my friend said if someone wants to donate but they don’t have cash@pp I can give them her Venmo or chime or PayPal so if that is what is stopping you from donating DM me and I can send you her vënmø or paypãł

Thank y’all again♥️

XO XO XO and GOD BLESS🙏🏽

Katie 🥰⚰️🪦🫶🏽👩‍👧‍👧❤️‍🔥💔✝️

I probably should’ve put this in the original post but I’m having trouble getting donations and I’m doing this all by myself his family hasn’t even called me since I told them he passed and I was a foster kid so I really don’t have anyone to help. The only person that is helping me is financially struggling too but she took out a loan bc my credit sucks so I was denied anyway thank u if u have anyone on here who u talk to a lot see if they can repost it too I wanna get some type of traction lol

UPDATE JAN 16th

Tumblr BLOCKED ME FROM MESSAGES WTF HAPPENED!!!! Someone plz help me get my messages back

Plus still no donations so please keep reposting and thank you for all the support from the reblogs

Jan18 update

Thank you to whoever sent $5 that’s the first and only donation I’ve gotten so far

Please if u can’t donate repost and tag your friends!!! I don’t know what I’m going to do if I can’t raise enough for the funeral, I don’t even have enough for a cremation

Jan 20 update

Im $30 short to start a payment plan with the funeral home I have an appointment tomorrow morning at 9am PLEASE SEND HELP either repost or dono

Anything helps us!

Help us bury my kids dad and my fiancé!

GOD BLESS PRAYERS ARE WELCOME TOO!

Jan 30th update♥️❤️‍🔥🥺😭🚨

So I DIDNT get enough money to have a funeral for my fiancé 😖😭 we had to cremate him and they put me on a payment plan. I still want to have a repass but I need to get a hall or something to gather everyone. The cheapest one I’ve found is $350 for 5 hours

ANY HELP WOULD BE APPRECIATED AND HELPFUL

I want to celebrate his short life and the memories we all have with him ♥️

It’s been 3 almost 4 weeks since he’s been gone and life being a widow mother of 2 is a lot harder than I ever imagined. Please repost even if you can’t help ❤️‍🔥

@localmacguffin @laymedowninsheetsoflinen @enderamethyst @transgendz @othert @pixelstx @spongebobssquarepants @queenpandaxoxo @pukicho @shareyourdollar @mutual-aid-booster @horangi @jacklant3rn @bugs-for-hugs @difficult @commie-cosmo @yellowgirl93 @racism-inc @mousedetective @vaspider @shineemoon @queenpandaxoxo

[judasdreams]

I feel like...

Poverty has become a competition.

I don't even know how to write more than that.

I feel guilty & ashamed enough to begin with, and the more I think of it, the more I think of how much damage growing up and now living as a person under the poverty line, has affected my mentality around money & social services.

I'm getting an allowance from my social worker (that man is a Saint, for sure!) To buy a new laptop since my old one is on its last legs.

I feel ashamed and guilty for even asking for something more expensive than the cheapest "this'll do for now" -computer, even though I've fully committed to give every cent I have to my name to get that computer.

Having it would mean the world to me; being able to do my final project without having to reboot my laptop every 2 hours, continuing to study online like I currently do almost all the time, do projects online on different programming projects... study for entrance exams even, maybe?

That laptop would last me for years to come.

But I feel like poverty has become a competition because despite my past, my (ex-)family's past, etc. The one time in my life when I'm almost able to get something I actually appreciate big time, without having to accrue more debt; this time I've got too much money to be considered poor.

But I'm still counting how much food and other household items I can afford to buy next month... while I'm making a mental payment plan for the disability benefits that the government has overpaid me.

I'm not enjoying myself. I'm getting a way to at least finish my studies while I'm constantly in pain, in brain fog, tired, and tortured by my own mind. (There are conditions for this too, all of which I plan to fulfill, the least of which is money; the idea of getting this specific laptop that i WANT has given me a massive moral boost to do things, and finish them; to be able to show my social worker that look, you helped me! You did this WITH me!)

And now I'm crying again when I think that I can show that man my graduation certificate.

Because I have an internalised need to not be in debt to anyone and him, giving me allowances from the social security side of the government, that counts as a debt despite it being an allowance, not a loan.

And I feel guilty for "having nice things" because this laptop does go in the higher end when it comes to hardware and "do you really deserve something like that, Judas?"

[dark-elf-writes]

I was trying to think of drama to add to the sugar baby au: Uchiha style for my favorite au builders to rotate in their beautiful brains but I got nothing.

My only thought is that Naruto is still an orphan, sasuke is a mean fucker, and some of Naruto’s traumas are directly related to an unnamed friend (100% sasuke) that kinda treats him like shit.

I mean I definitely was thinking of, for lack of a better term, a Toxic Teenage Girl Friendship™️ between Sasuke and Naruto where a lot of issues stem for Naruto at least. And after Sasuke went to college and Naruto went to working as many jobs as he could get without dropping dead from exhaustion or getting Sakura (in medical school and 98% of Naruto’s self care) to drag him to the hospital kicking and screaming Naruto is barely making ends meet and is struggling ti keep his head above water so Sakura (who is well off ish but really doesn’t want to deal with med school loans/be reliant on her parents who are less than thrilled she’s didn’t pick something more “ladylike”) offers the safe site she has already personally vetted.

When it finally comes out who Fugaku is related to Sakura laughs so hard Naruto is pretty sure she’s going to pop a blood vessel and orders the biggest and cheapest bottle of wine for them to split while they figure out a plan of attack.

[thedeviljudges]

ok so maybe a tl;dr kinda post. it's me just writing down my thoughts about the apartment stuff.

tagging @clawbehavior @technitango in case yall wanted an update too!!

so i technically started my apartment hunt last year when i thought i was moving, and while i did realy love two places (owned my the same company so the floor plans were the same) - mainly bc of the amount of light it had from window set up, for the amount of sq ft you got for the price, it just didn't and still doesn't make sense.

but with those in mind and also touring apartments with my friend who was planning to move in this month, there's been a lot to choose from. there's another apartment on my list that another friend lives at, but i think ultimately it's similar to the two above where the price you get for the space isn't the cheapest, especially for what i need.

which led me two the last two apartments i toured today. starting with the second one:

the price is fantastic for the space (ideally need a 2 bedroom or a 1 bed with den/study; i'm hybrid for work). the place was fine. gated and really close to a major area of shops. the biggest issue is the visitor parking - it's all at the front of the complex, and there's only about 25 spaces to which the leasing agent said they're full most of the time. i also didn't get the wow feeling with it. it was just okay. i really wish i would've loved it bc on paper, it would've been great.

but the first place we toured? it's the apartment that had a great unit for the perfect pricing that someone snatched up two days ago (that i posted about a few days ago), and i'm so upset about it because this place is perfect. that unit was a 1 bed with study, but there's no more available so my next option is a 2 bedroom. i can afford it, technically, but it also means with utilities, my car note and other expenses, i won't have much left over each month for casual spending, etc.

which isn't necessarily a bad thing. so many people are in that position right now given the economy. and this wouldn't be that expensive if i didn't have my car note - so my options are to suck it up and go for the space and just be extremely frugal for awhile - with the intention of moving my banking to a credit union and try to apply for refinancing there, which would hopefully lower my interest rate and loan payment on my car.

i'm also inclined to go for this space because i truly fell in love with it. it's exactly what i need; the community is great. it's gated and safe, and i love everything about it, and it's one of the only properties that i truly felt i could live there and enjoy it. i'm also someone that is very intuitive, and this just feels right - like deep down i think i know i won't really be that happy anywhere else. and i hate to hype it up so much bc i know i could move in and end up hating it, but i truly think this may be it?? i'm just so hesitant because of the price. i feel really stupid for even considering it because i feel like what i should be doig is being more sensible, find a smaller place and save money - especially bc if i go with the bigger unit, it also leaves me with not very much to put into savings.

i have a quote, but i've seen the prices online fluctuate, so i'm going to test my luck to see if it'll drop down to a lower rate. if someone nabs the unit before me, then i'll probably forfeit the need for a bigger space, go smaller and then see if i can move into a bigger unit the following year. i would hate to do that because i really want to separate my work from my personal space (this is a big deal for me given my last toxic work environment), and it's easier to do that with a den/study or two bedroom, but i really love the place enough to consider a year there with a smaller unit and then potentially move within the same complex. like, it will suck not having the space i want and not being able to completely remove work (my desk would either have to go in the living room or bedroom, and bc my desk is in my bedroom right now, that's also a big no. i highly do not recommend putting work where you sleep). but i think i could hold out for another year bc i think i'll just be excited to have my own space.

so that's where i'm at right now tbh. i think i'm set on the apt complex; now it's just choosing the unit.

*i should also note that if i got a 2 bedroom unit on the 2nd or 3rd floor, that would be cheaper. my ideal is the first floor bc i've lived on the first floor in my current place, and i'm so used to it. i could possibly do a 2nd floor unit since it'd be less stairs to climb, but it's also not ideal.

[cordria]

So... where have I been?

I disappeared. There’s reasons. 

If you’d like to hear the story, read more.

So I was a teacher for many years, right? Had myself some nice free time for writing and summers off and got to hang around with teenagers all the time, so it was a pretty sweet gig, but I’m the sort of person who likes shiny and glossy and can’t hold myself still very long in a job and even though I rocked at my job and loved teaching, I was looking for something new. Job #28 on my resume.

Now, I really love curriculum - designing and writing it, and working with teachers to get it implemented - and so approached a local nonprofit that had an interesting job opening. The nonprofit worked with a consortium of our local, tiny school districts to coordinate their professional development and give them bigger (and thus cheaper) purchasing power. They had an opening for someone to work in their professional development arena helping local schools redesign curriculum and align it with new state standards.

New-boss loved me in the interview, thought I’d be awesome, but I needed a master’s degree in curriculum design. Something I couldn’t afford (and, honestly, have never been interested in getting). But the job was like *chef’s kiss* and included a decent raise from my teacher’s salary once I got that master’s degree, so I grabbed it. I just had to deal with the provision in my new contract that I get my master’s degree within a year. A year. pfffff

I walked into the job hoping I could get the place to help pay for the degree in return for a multi-year commitment to staying in the position, but that got shot down. :( I was still determined to do this, so I found the cheapest college that would give me the degree and applied for as many scholarships and grants as I could. 

Turned out to be great timing. With COVID slashing my husband’s pay to almost zero and my maternity leave just before COVID hit, my family was a couple thousand dollars away from qualifying for food stamps. I got grants from the school up the wazoo. Managed to get a $18K master’s degree down to $6.5K, something that was realistic for me to afford, although there’d be some massive amounts of scrimping and saving since I was going to try to do it without loans. Then I had to tackle that ‘one year’ thing. A whole master’s degree at double-speed, while working full time, with two small children.

I finished it! In just 15 months. Almost the year that was requested - couldn’t fit in the classes in a year, due to the schedules the school ran. It was physically impossible. 

Teacher: $48K

Last year in this position with no master’s degree: $52K

The salary I was anticipating: $62K <-- nice. For a rural family, this is a really good salary. Puts me among the top earners around here. And the benefits were decent, not great but decent. Better than with teaching.

BUT. But. In late August I got a phone call from a place in... well, we call it the city but it only has like 5K residents so it’s really a town to most people. They had a job opening, and heard my name through some circuits that I’d be good for the job. And yeah, the job was interesting. Working with at-risk kids in a quasi-social-worker, quasi-teacher, quasi-director role. I interviewed, mostly to keep myself fresh on the skill, and also to learn more about the job, and partially because the job would make getting my daughter to her new school a lot easier. Because why not?

They called within 24 hours to offer me the job. 

Now, I was really planning on staying with this nonprofit. While I hadn’t signed my new contract yet because my official transcripts and degree don’t come until early October, and I was legally free to look at options, the shiny hasn’t worn off yet. I’m enjoying working there, and the salary and benefits work well for me and my family. And with no master’s classes hanging over my head, I was really looking forwards to the free time I knew I would have with this job. I also felt a bit of loyalty to my boss, as I’d verbally agreed to get this degree in order to have that job. I was explaining that to the guy on the phone, when he says something like:

“Look, I really want you working for us. You were miles ahead of all our other candidates in your experience and knowledge. I want to sweeten the pot a little by negotiating a package with you.”

I’ve never negotiated a contract on the phone thirty seconds after being offered a job, usually something to do with HR after provisionally agreeing to work there, but sure?

He asked me about my current contract, then offered me $75K starting salary with a guaranteed 4% raise for each of the first five years, and completely free family insurance with dental, and really nice retirement benefits. I was... stunned. Utterly stunned. 

I mean, I totally forgot this was a negotiation and that was his starting offer and that I was supposed to make my own counter-offer. 

Any who - long story short, I took the job, and have been happily working there for about two weeks.

And, as probably relates more to you people, I’m done with this horrible adventure into getting my master’s degree. 

I can start writing again. :)

[shubhbank]

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[grdindia]

[brokenmusicboxwolfe]

I hate being dependent on others for a lawnmower!

In short, Mom’s lawnmower broke the day she had her stroke. I couldn’t fix it or afford a replacement, so I cut grass with a swing blade. Then, miraculously, someone felt sorry for me and gave me their old lawnmower. This was wonderful…until the gas tank fell off! So, I was back to something I couldn’t fix or replace, BUT this time I had someone that was happy to loan me a lawnmower now and then….

All was good until now.

I have spent a month completely preoccupied with moving stuff around inside the house to meet my brother’s requirements, so mowing the lawn hadn’t crossed my mind. I don’t care if grass is tall. I’m someone that loves yards, but hates lawns.

But, after six months not mowing the yard I had to admit it was getting so people might start assuming no one lived there. I needed to cut the grass before either someone broke in or some grumpy gus complained to the town.

Unfortunately the friend with all the mowers has a hectic life full of drama. I eventually arranged a day to borrow the mower, but when the day came they had an emergency. I told them not to worry about the mower, and went and fed their cat.

Not knowing what was going on with them I didn’t think I should pester them about the mower, so I thought I’d wait to see how things were with them.

Since the grass was knee high next to the road (stupid ditch. It doesn’t drain the water, flooding the street, because the town stopped maintaining it BUT it sure feeds the plants!) and I didn’t know if I would be waiting weeks to get the mower, I decided to use the swing blade.

Do you have any idea how exhausting that gets? Hours of hacking at it and hacking at it. I tried to imagine I was a warrior smashing her enemies skulls and NOT someone aggressively practicing their golf swing. (Sports are soooo boring!)

I got home having done a lot of the yard, having been forcibly stopped by the neighbor dogs wanting petting. (Can’t swing a blade with them around!) What do I get as I flop exhausted? A message saying, “Hey, I thought you were going to borrow the mower today?” No idea why she assumed that. She hadn’t told me I could borrow it, or even spoke to me since they day I couldn’t borrow it, and I hadn’t asked.

So I told her what I’d been up to. She said not to do the rest the next day, but just wait until Saturday and we could do it together with her mowers in the morning.

This was a relief, saving me hours of swinging! She is a morning person and I am not (oh boy I am NOT), but since she is the one doing the loaning and has a strong sensitivity to the sun I was fine with that. I just asked her to let me know how early. To take care of the animals first, I said, but mostly to set an alarm.

Nothing. Nothing. Nothing.

I got up early today, Saturday, anyway. I rushed about, got all ready to go to work, and….

Waited.

Emergency? Forgetfulness? Phone trouble? Misunderstanding?

And I waited.

It was cool, and with the weather changing so after today it is going to be hot, I REALLY wanted to work on the yard. I could go and use the swing blade to finish up the side yard….

But my luck she would be ready to go as soon as I finished. I don’t want to batter my bad elbow when I don’t have to, and getting a loan of the mower as soon as I finish would be a total waste.

Waiting. Waiting. Waiting.

Waiting dies NOT agree with me. I have stuff to do! And I don’t want to get interrupted if I start something. Gotta find small busy work…

Waiting.

I swear, I REALLY need a mower! I am seriously considering one of those muscle powered, no gas (can’t afford gas!), push mowers. Trouble is the cheapest one costs exactly the same as the boots I have to wear (only thing my ankle braces work with), and this just at the time I have buy new boots!

Boots or a mower. Mower or boots. Boots or a mower. Mower or….

Waiting.