#credit union documents and forms

[scotianostra]

On March *5th 1759 the lexicographer and church minister John Jamieson was born in Glasgow. *Some sources say March 3rd

I know most of you will not have heard of Jamieson, but his publication, Etymological Dictionary of the Scottish Language, is credited with keeping the language alive., so much so much so he has even been the subject of a book about his work. Jamieson was a bit of a polymath though and learned in many fields, read on........

If you have read some of my posts I like to dig out documents etc from days gone by, a most of these are written in Scots, you only have to read the poetry of Robert Fergusson or Rabbie Burns, the vast majority which is written in the language, or up to modern times if you have read any of Irvine Welsh’s books, you will know that as a language it is distinctly different to what is termed as “proper English”

Anyway a bit about the man, Jamieson grew up in Glasgow as the only surviving son in a family with an invalid father, he entered Glasgow University aged at the staggeringly young age of just nine! From 1773 he studied the necessary course in theology with the Associate Presbytery of Glasgow, and in 1780 he was licensed to preach.

Jamieson was appointed to serve as minister to the newly established Secession congregation in Forfar, and stayed there for the next eighteen years, during which time he married Charlotte Watson, the daughter of a local widower, and started a family. Their marriage lasted fifty-five years and they had seventeen children, ten of whom reached adulthood, although only three outlived their father. He next became minister of the Edinburgh Nicolson Street congregation in 1797 where he guided the reconciliation of the Burgher and Anti-Burgher sects to a union in 1820.

In 1788 Jamieson’s writing was recognised by Princeton College, New Jersey where he received the degree of Doctor of Divinity. His other honours included membership of the Society of Scottish Antiquaries, of the Royal Physical Society of Edinburgh, of the American Antiquarian Society of Boston, United States, and of the Copenhagen Society of Northern Literature. He was also a royal associate of the first class of the Royal Society of Literature instituted by George IV.

Jamieson’s chief work, the Etymological Dictionary of the Scottish Language was published in two volumes in 1808 and was the standard reference work on the subject until the publication of the Scottish National Dictionary in 1931. He published several other works, but it is the dictionary he is best known for.

He had a particular passion for numismatics, and it was their mutual interest in coins which led to the first meeting between Jamieson and Walter Scott, in 1795, when Scott was only twenty-three and not yet a published author. Jamieson was also a keen angler, as the many entries relating to fishing terms in the Dictionary attest; and published occasional works of poetry, including a poem against the slave trade which was praised by abolitionists in its day. Entries provided by Scott include besom, which he described as a “low woman or prostitute,” and screed, defined as a “long revel” or “hearty drinking bout”. I wonder how many Scottish females have been called “a wee besom” by their mothers with neither really knowing it’s true meaning!

Jamieson’s association with Walter Scott was a two way thing, he wrote a Scots poem *‘The Water Kelpie’ for the second edition of Minstrelsy of the Scottish Border. 8

*One source say this was actually an Alexander Jamieson, but my research took me to three different sources citing it as yer man in this post.

It was through his antiquarian research that Jamieson developed his practice of tracing words (particularly place-names) to their earliest form and occurrence: a method which was to be the foundation of the historical approach he would use in the Dictionary.

Jamieson wrote on other themes: rhetoric, cremation, and the royal palaces of Scotland, besides publishing occasional sermons. In 1820 he issued edited versions of Barbour’s The Brus and Blind Harry’s Wallace.

Revered by authors including Hugh MacDiarmid, who used it to shape his poetic output, Jamieson’s dictionary has long been regarded as a crucial groundwork which kept alive the Scots language at a time when it was in danger of falling into obscurity.

He retired due to ill health in 1830 and died at home, 4 George Square, Edinburgh on 12th July 1838, he has a fine gravestone in St Cuthbert’s graveyard in Edinburgh, as seen in the fourth pic.

Here is the first of 24 verses of his aforementioned poem, you can read the rest on the link to the excellent Random Scottish History, at the bottom.

Water Kelpie

Aft, owre the bent, with heather blent,

And throw the forest brown,

I tread the path to yon green strath,

Quhare brae-born Esk rins down.

Its banks alang, quhilk hazels thrang,

Quhare sweet-sair’d hawthorns blow,

I lufe to stray, and view the play

Of fleckit scules below

[disturbingstar]

𝐆𝐨𝐧𝐞 𝐠𝐢𝐫𝐥

Plot summary

On the occasion of his fifth wedding anniversary, Nick Dunne reports that his wife, Amy, has gone missing. Under pressure from the police and a growing media frenzy, Nick's portrait of a blissful union begins to crumble. Soon his lies, deceits and strange behaviour have everyone asking the same dark question: Did Nick Dunne kill his wife?

Trivia

Rosamund Pike had to gain and lose 12 pounds three times over the course of a 100-day production to play Amy at different times in her life.

Charlize Theron, Natalie Portman and Emily Blunt were all considered for the role of amy dunne before rosamund pike was casted.

Ben Affleck is actually nine years older than Carrie Coon, despite playing twins.

The whole play with the pens of different colors was Gillian Flynn's visual solution to the translation to screen of Amy's diary.

Kim Dickens, normally blonde, became a brunette to play Detective Boney.

Ryan Reynolds, Brad Pitt and Jon Hamn were considered to play nick dunne before ben affleck was chosen.

Ben Affleck shut down the production of gone girl for four days because he refused to wear a new york yankees cap in the movie.

“The Bar” restaurant in the movie opened as a functional bar and restaurant after filming and operated for a few years. It has since permanently closed.

Fincher decided to cast Ben Affleck as Nick Dunne because he saw a particular smile that aflleck had on dozens of pictures and realized he had the perfect suspicious look for Nick.

Breakdown

On their fifth wedding anniversary, writing teacher Nick Dunne returns home to find his wife Amy missing. Amy's fame as the inspiration for her parents' successful Amazing Amy children's books ensures widespread press coverage. The media finds Nick's apathy towards the disappearance suspicious.

Flashbacks in the form of diary entries show a complex reality and a deteriorating marriage. Amazing Amy was an idealized completion of the real Amy's failures. Both Nick and Amy lost their jobs in the recession and moved from New York to Nick's hometown of North Carthage, Missouri, to support his dying mother. Nick grew distant from Amy and began an affair with Andie, one of his students, while Amy became resentful towards Nick for uprooting her.

Detective Rhonda Boney and the forensic team find poorly concealed evidence of a struggle and profuse blood loss in the house. Boney learns of financial issues, spousal disputes, and Amy's recent attempt to buy a gun. Medical reports indicate Amy was pregnant, which Nick denies knowledge of.

On every wedding anniversary, Amy had set up elaborate treasure hunts for Nick. This year's clues appear in places where Nick had sex with Andie, thus revealing Amy's knowledge of his affair. Nick discovers thousands of dollars of items purchased with his credit card hidden in his twin sister Margo's woodshed. Amy's clues lead authorities to a half-burned diary documenting her growing dread of Nick and ending with a genuine fear that he will kill her.

It's revealed that Amy is alive and hiding in a campground in the Ozarks. After discovering Nick's affair, Amy conceived an elaborate plan to frame him for her murder. She had him ramp up her life insurance and secretly used his credit card to buy the woodshed items. She befriended a pregnant neighbor, told her stories about Nick's temper, and stole her urine to fake a pregnancy, thus eliciting media sympathy after her disappearance. She wrote a diary with increasingly fabricated entries and placed incriminating evidence in the treasure-hunt spots for the police to find. On the morning of her disappearance, Amy drained and splattered her own blood across the kitchen and then cleaned it haphazardly. Her original plan was to drown herself after Nick's arrest and have her body found to ensure his death sentence.

Nick deduces Amy's scheme, convinces Margo of his innocence, and hires lawyer Tanner Bolt, known for representing uxoricide suspects. Nick meets two of Amy's ex-boyfriends: Tommy O'Hara claims he was framed for rape by her after he ended their relationship; wealthy Desi Collings, against whom Amy had filed a restraining order for stalking, turns Nick away.

When Amy's campground neighbors rob her, she calls Desi for help, convincing him that she fled Nick's abuse. Desi agrees to hide her in his lakehouse. Bolt convinces Nick to reveal his affair on a popular talk show, thus seizing the narrative initiative from the media. Andie reveals the affair at a press conference shortly before the show, but Nick insists on conducting the interview. He affirms his innocence and feigns regret for his shortcomings as a spouse, knowing that Amy will be watching.

The interview is a success, garnering widespread sympathy for Nick. However, Boney has already gathered enough murder evidence and arrests Nick and Margo. Bolt bails them out, and they brace for the impending trial. After watching Nick's interview, Amy rekindles her attraction to him and spends weeks crafting her escape story. Using lakehouse surveillance cameras and self-inflicted wrist and vaginal injuries, she makes it appear that Desi kidnapped and raped her. She then seduces Desi, slits his throat during sex, and returns home covered in his blood, thus clearing Nick of suspicion.

Medical examiners lend credence to Amy's story. During questioning, Boney probes her inconsistencies, but Amy spins the focus onto Boney by calling her incompetent. The FBI believes Amy and closes the case, but Boney gleans Amy's guilt. Upon returning home, Amy tells Nick the truth, admitting to Desi's murder. She states that Nick pleading for her return on TV is the one she wants and the one who inspired her forgiveness. Nick shares this with Boney, Bolt, and Margo. Despite unanimously agreeing that Amy is guilty, everyone acknowledges a lack of evidence. Bolt wishes Nick well and returns to New York.

A televised interview takes place in their home seven weeks later. Anticipating Nick's intention to leave her and publicly expose her story, Amy reveals her pregnancy minutes before the interview, having inseminated herself with Nick's sperm from a fertility clinic. Nick reacts violently at first but feels responsible for the child and ultimately decides to stay with Amy, despite Margo's despair. The “happy” couple announces on television that they are expecting a child.

[worms-go-here]

2025 PREP LIST

Here's a list of things you should do to protect and help yourself going into 2025. I've organized them hard/medium/easy based on their time consumption and difficulty of execution.

GET A PASSPORT & OBTAIN DOCUMENTS (HARD)

• Get or update your passport so it will last through these next 4 years. Your passport is a very strong piece of identity keeping material. Everything in this section is especially important for people who have legally changed their name in any form. 2025 will likely contain some legislation targeting people whose name doesn't match on all their legal documents. Also if you need to flee the country this will be super important to have. Certain passport renewals are eligible to do online.

• Get copies or originals of all your legal documents. That means you should have your birth certificate, your social security card, and any diplomas or degrees. Keep those yourself at home in a safe location or in a safety deposit that you have legal access to (your name should be on the access slip and you should have a key)

CONTROL YOUR MONEY (MEDIUM)

• Move your money to a local bank or preferably a credit union. Big banks collect data on you and use your money to back their own evil causes. The people going into power don't care about people, they care about money, so that is our most powerful mouthpiece. Moving it sends a message to them and also denies them the data they get from monitoring our purchases and it protects it better. This is one of the most proactive things you can do right now.

How to move your money: It is probably best practice to call your bank and let them know that you are going to be closing your account there and transferring your money. This is so they can make sure they have enough cash on hand to give you. Then you'll just take that and head over to your new local bank or credit union and they'll get your accounts set up. It can be accomplished in a morning or afternoon. The hardest part will be just finding the time, and then moving all online accounts to a new billing situation. I did this a few years ago and it was actually super easy.

• Shop Local ! Shop Small ! everyone has been preaching this for years, but you need to keep doing it or start now. Shopping local has always been more expensive, but with the tariffs coming, its not going to matter any more. Don't shop Walmart, Target, big conglomerates. Especially for groceries. Food safety is going to continue to be relaxed under the incoming administration. Eating local and knowing where your food came from will be the best way to protect yourself.

• Get a budget. You can use a budget app like YNAB or just track it yourself on paper or on a spreadsheet. Just being aware of how much you spend and where will help you save money in the expensive time we're going into, and realize if your money is going to someone you don't want it to go to.

CONTROL YOUR BODY (HARD)

• Future of birth control and abortion is uncertain. Stock up now on Plan B and Plan C abortion pills. Do this even if you are not a person affected, because you never know who in your life will be. (be aware of the effectiveness of these pills. Plan B lowers in effectiveness on people 165 pounds and over. Other Plan B options have similar issues.)

• Consider your options for long term birth control. Talk with your doctor about how much birth control pill you can stock up on, or consider an IUD. Do your research about your options, they all affect different people differently. Most of these will last through the next 4 years. If yours is set to expire before or during that time period, ask if your doctor will go ahead and replace yours early.

• here is the list of doctors in the states who will perform sterilizations or permanent birth control

• update your vaccinations now. the future of vaccines are also uncertain. the updated covid and flu shots are available, ask your doctor or check your records to see what vaccines you need a re-up on. you should have an updated tetanus/tdap shot every 10 years. you can get these at your doctor or at CVS, Walgreens, etc.

• stop use of all period tracker apps or tracking your period on any digital platform based on the internet, cell data, or the cloud. track on paper.

• if you take prescriptions talk with your doctor about how much of it you can have on hand at once. stock as much as you can.

CONTROL YOUR RELATIONSHIPS (MEDIUM)

• Women are divorcing and breaking up with people who voted for Trump. If there are people in your life who don't align with your values its time to consider cutting them out, especially if they are a romantic partner.

• The 4B movement is taking off in America as a movement to show right wing men that they can't have their cake and eat it too. The 4 B's stand for no dating men, no sex with men, no marriage to men, and no childbirth. If that interests you now is the time to start.

• Delete your dating apps and your profiles on your dating apps. These guys will be scrolling past the same two women every day with no other offerings. Your body, your choice, no exceptions.

DITCH AMAZON (EASY)

• Cancel your amazon prime and delete or forswear use of your amazon account. Amazon has always been evil but now it is evil backed by evil. It collects your spending data and it is the biggest proponent of convenience culture. Getting real rights for workers means all of us recognizing that convenience has a cost, and it is far more than amazon is charging. A good life for everyone means you get your things slower, and we all need to learn to be ok with that.

• Unsubscribe from all shopping mailing lists. When you get the shopping newsletter in your inbox from wherever, hit the unsubscribe button. We need to be telling corporations and companies we don't care about their crap, and junk emails are bad for us and the planet. This is an easy way to cut temptation and stick it to them.

• Where you buy from matters. Buying small business or local means a safer product and it means your money does not go directly to the pockets of evil. The best easy thing you ca do during the next 4 years is CARE WHO YOUR MONEY GOES TO.

PROTECT YOURSELF ONLINE (EASY)

• SWITCH TO FIREFOX. It's said all the time on this website, but do it this time, actually do it. I finally did and it was super fast and easy and took less than a minute and it migrated all my bookmarks and passwords from chrome. Though the safest way to be online is with Linux, if you have that capability.

• add necessary extensions to your new firefox. these will be recommended when you install and you should 1000% add them: Ublock origin, privacy badger, facebook container, and clear urls. avoid adding savings extensions - honey is the biggest culprit. they make money off of your spending data. now is the time we have to fight harder than ever for our digital privacy and security, and that starts by denying them access.

MAKE YOUR PURCHASES NOW (MEDIUM)

• consider your life and if there is anything in it that is necessary and might break or need replaced in the next 4 years. I mean big purchases like appliances, car maintenance, house maintenance. Everything is going to get more expensive, and if you can get these big purchases now at a cheaper cost, you should do it.

• stock up on any imported goods that you have space for and want to prioritize having. Olive oil, wine, spices, to name a few.

HAVE AN EMERGENCY PLAN (MEDIUM)

• maybe when you move to your new credit union you move some of your money to a designated emergency savings fund. Everyone should have an emergency fund or money to fall back on in case anything happens, but that is going to be even more important to build and pad that fund going into an administration that is going to jack the prices of everything. Also because if you do need to flee you'll need money to fund your escape.

• make a plan for if you do decide to flee the country or it becomes necessary. consider where you will go and how you will get there. its important to think about how long you will stay there and how long you can stay legally or if you can immigrate, and to consider what the political climate / human rights situation in your hopeful new country is like.

EDUCATE YOURSELF (EASY)

• we all have to be part of the change, and we all have to fight for it. we can start by educating ourselves. My reading list includes Mutual Aid, Except for Palestine, Let this Radicalize You, Becoming Abolitionists, The Jungle, Assata, The Purpose of Power, Social Movements, We Do this till We Free Us, Strangers in their Own Land, and The New Jim Crow.

Knuckle down. We're not going into 2025 afraid, we're going in prepared.

Additions welcome, let me know if there's anything I missed. I know I'm missing how this affects people in college or going into it and ways you can protect yourself as an LGBTQ individual. I'll add to this as I learn that information.

[yourgamemasterthewhiterabbit]

I'd like to illustrate a problem here for a second about documentation and having ID expire every 5 years or whenever you move, while disabled in Canada, or at least Ontario.

To renew ID you need 3 pieces of documentation, one for proof of citizenship/status/immigration etc, like your birth certificate or registration etc, one for proof of residence like personally addressed mail, a bank statement or bill...

And the third, which must be separate, which is "proof of identity" for which the following is accepted:

credit card

valid Ontario driver’s licence or temporary driver’s licence

valid Ontario Photo Card

Canadian Immigration Identification Card

Certificate of Canadian Citizenship (plastic card)

Certificate of Indian Status (paper or plastic card)

Confirmation of Permanent Residence (Imm 5292)

only if signature is shown

current employee ID card

current professional association licence

Old Age Security Card

Ontario motor vehicle permit (plate portion only)

passport (Canadian or foreign)

Permanent Resident Card

only if signature is shown

Record of Landing (Imm 1000)

student ID card

union card

I have crossed out the ones I can't get as a disabled single adult with no dependents who was born here, is not elderly, cannot drive etc... Your average single young disabled adult born and raised here.

The certificate of citizenship I could [have, previously] technically get, but as a natural born citizen other sources will insist my birth certificate should be enough and I should never need this... And they STOPPED ISSUING THE PLASTIC CARDS LISTED HERE AS VALID ID!

I can't get a credit card approved because of my income.

The passport I only ever got because when I was younger I could travel, and it wouldn't get money taken off my pension etc... But most people in my position won't have or maintain this, and indeed mine is still with someone I took a trip with in my 20's and is lost to me, and I have had no real reason to renew it or report it lost. I can't renew it without getting the info off the old one and I can't apply for a new one without already having valid id AND BEING ABLE TO FIND 2 PEOPLE TO VOUCH FOR ME... Which I don't have, frankly, and I am going to go out on a limb and say that when you are more or less house bound and an inconvenient disabled who people are prone to abusing it is quite common enough to not be able to find 2 people to vouch for you. You also need a guarantor and someone to take photos! And sign them! And why would you? Why would you maintain a passport when you can't even travel??? It isn't accessible to me anyway.

So most people in my position, which is a lot, will ONLY have the photo ID card as "proof of id" which you NEED to 1. renew your health card, 2. renew the photo card itself.

My problem with this is that technically you need a photo ID card that's still valid, to make your photo id card valid again. They technically are not allowed to use your health card as this kind of ID.

I am disabled and therefor often things are LONG expired by the time I have the ability to get them renewed, so in addition to all this, my health card and photo id expire at the same time every time now.

They wanted to have a photo id alternative to the driver's license to help with issues like this to begin with, but they haven't made it much better.

The next issue is it's the only government Id that's of any use to me and that I am encouraged to get but it costs 35$ because it's treated as optional, instead of it being free like your health card is... So actually your health card does cost 35$ to maintain... Because you need your photo id card to stay valid... So actually our "free" healthcare has an out of pocket cost of 7$ per year minimum. That's not a lot, but that's not free if that 35 every 5 years stops you from being able to have health coverage.

I want a form of government ID, that counts as proof of identity, for the purpose of renewing my very important health insurance card, that doesn't bloody expire all the fucking time.

Because you're actually supposed to renew your health card every time your address changes... And when you are poor and disabled you tend to either be stuck with your parents, or stuck moving constantly to escape abuse.

And just... Do you know, how many times, for how many months I have been effectively between health coverage, in a country with free healthcare, and thus unable to seek medical attention, because my id has expired and I did not have the physical energy to go get it renewed? And that shouldn't happen!

Technically, by their own laws/policy they should have turned me away to renew my id, which would have left me 100% fucked with no existing valid ID to use to get other ID. That shouldn't be able to happen to you every 5 years or every time you move, especially when you are disabled.

And they shouldn't charge 35$ for it, considering you need it to get your health card renewed at all, technically speaking. It should be FREE! Especially if you are disabled!

If I still physically had my last passport I might be able to keep renewing it without this bullshit headache, but I can't without my old one.

They should have never switched to health cards that expire, I don't care if they wanted photo id, it was fine before, this is bullshit. This makes healthcare potentially inaccessible to the disabled because they have put it behind these stupid hoops you have to jump every 5 years and when you move.

And do you know how many disabled people have memory and mobility issues???

This is stupid.

And the kick in the teeth is that once they have my photo taken they will randomly chose to use older photos they have on file, because clearly my appearance hasn't changed enough through my adult life for them to even care how old the photo is! Why does the photo id have to expire if the photo can be over 10 years old according to their own records!? Their whole excuse for them expiring is that your appearance and address need to be up to date!

For those of you who don't know because it might have been before your time... health cards used to be white with a red stripe and no photo or address and they never expired. You only needed a new one if it was lost or stolen and that was fine. You could memorize the number on it and not even carry your card like you do with your SIN.

And then they switched us to the new photo ones to make sure everyone would have photo ID

And then they decided health cards couldn't be photo id because they didn't want to manage who got health care and who could buy alcohol with the same system for whatever reasons, so they came out with the "photo id" that you are expected to have as an alternative to a drivers license if you don't drive...

But they wanted money, so they charge 35$ every five years and make you pray to their monument of bureaucracy to get it.

Anyway fuck this my ability to make medical appointments shouldn't expire in a country with free healthcare. If they had a problem with people using each other's health cards before and messing up records, they should have made it easier to get your own health card, and not harder. And yes they should have made it so anyone even an illegal immigrant or someone who lost all their ID in a fire could walk into a clinic and still get basic care.

Not this bullshit song and dance.

So gee, if I fail to renew online just before these card expire you will hear me rant about this bullshit again in 5 years.

They could at LEAST give you a disability id card that never expires that you can use for shit like accessing the food bank or for proof of identity etc... Maybe even then it would be easy to have discount programs for anyone on a disability pension, maybe any groceries that are deemed basic necessities enough could be partially or fully subsidized without extra applications and headaches?

But no it's like they want to make healthcare inaccessible for the people who need it the most.

[orchidvioletindigo]

The level of difficulty that getting benefits paperwork submitted to the government is makes me want to rip my hair out. First the paperwork doesn't get to me in time for me to be sure it'll get back by the deadline through the mail, then fax number they gave me isn't correct, then my credit union will no longer fax these forms for me at all, then the online benefits portal is having server issues so I can't upload documents that way. I'd go physically slam my paperwork down on their counter except I just dropped my car off with a mechanic since I didn't think that would be fucking necessary. And this form is literally just to tell them nothing has changed since the last time we spoke so please keep giving me food money.

[erastaffingsolutions]

Navigating Tax Season: Deciphering the 1098 vs. 1099 Forms

For small business owners, tax time often descends like a fog, obscuring the clarity of financial records and demanding sudden mastery of arcane IRS forms. Among these, Form 1098 and Form 1099 stand out as essential instruments for recording and reporting various financial transactions. Understanding the distinctions between these two forms is crucial for ensuring compliance and accurate reporting. In this comprehensive exploration, we will demystify the differences between Form 1098 and Form 1099, providing you with the knowledge to sail through tax season unscathed.

Form 1098: A Mortgage Interest Report

Form 1098 is a document issued by lenders indicating mortgage interest payments made by a taxpayer over the course of the year. It is crucial for homeowners who seek to claim deductions for mortgage interest on their federal tax returns. This form can also be applicable to small business owners who utilize real estate within their operations.

What Does Form 1098 Cover?

Form 1098 covers reported interest payments on a mortgage including if a taxpayer paid more than $600 in interest during the tax year. This form is essential, as it enables taxpayers to minimize their taxable income by claiming deductions on their mortgage interest.

Who Receives Form 1098?

The borrower of a mortgage receives Form 1098 from their lender, which could be a bank, credit union, or mortgage company. It's imperative for the lender to provide a copy of Form 1098 to both the borrower and the IRS.

Form 1099: Diverse Vendor Payments

Form 1099, on the other hand, is a more versatile creature. It covers a broad range of payments made by businesses to vendors, contractors, and freelancers. This form is used to report various types of income not found on W-2 forms, which are typically used for salaried employees.

What Does Form 1099 Include?

Form 1099 encompasses several different types, each representing a specific category of income. The most common types of Form 1099 include:

1099-NEC for non-employee compensation

1099-K for payments received through card transactions or third-party networks

1099-DIV for dividends and distributions

1099-INT for interest income

1099-MISC for miscellaneous income

Who Receives Form 1099?

Entities that pay $600 or more in the course of their trade or business to an individual or unincorporated business must issue a Form 1099 to those recipients as well as report the information to the IRS.

Key Differences Between 1099 and 1098

We can now turn to the principal distinctions between 1098 and 1099 forms. Knowing these differences is vital when categorizing payments or recording mortgage interest for tax purposes.

Purpose of Each Form

Form 1098 is specifically designed to report mortgage interest, facilitating the deduction process for homeowners. It has a clear and narrow purpose.

Form 1099, on the other hand, is broader in scope. It's multifunctional, covering a variety of transactions ranging from rental income to prizes and awards.

Information Provided

Form 1098 shows deductible mortgage interest—this amount is detailed and includes the mortgage loan principle, aggregate of real estate taxes, and any points you paid during the tax year.

In contrast, Form 1099 provides a wide array of information depending on the specific 1099 type, ranging from compensation to interest and dividends.

Recipients of Each Form

The 1098 form is solely for individuals who have paid or received mortgage interest. It is not issued to businesses or for services rendered.

Form 1099, however, can be issued to any individual who has received reportable income from business transactions, regardless of whether they are an employee or contractor.

Reporting Timeline

Typically, businesses are required to provide 1099 forms to recipients by January 31. For Form 1098, the deadline is the same as for the IRS filing, typically the following February 15.

Utilizing Forms 1098 and 1099 for Small Business Success

For small business owners, the effective use of Forms 1098 and 1099 can be a strategic part of their financial management. Whether leveraging the mortgage interest deduction to reduce personal taxable income or properly reporting various streams of income through Form 1099, these forms play a vital role in tax liability.

Understanding and attention to detail when dealing with Form 1098 and the various 1099 types can ensure that you are not only compliant but also making the most of any available tax benefits. Engaging with knowledgeable tax professionals can further enhance your tax season experience, allowing you to focus on the growth and success of your business.

In conclusion, these seemingly arcane forms—1098 and 1099—align with critical elements of personal and business financial transactions. They offer both the relief of tax deductions and the rigor of detailed income reporting. By ensuring you understand their roles and applications, you will arm yourself with the knowledge necessary not only to survive but to thrive during tax season.

@erastaffingsolutions

[vikkukumar]

Navigating the Path to Success: Understanding Business Loans for Entrepreneurs

In the ever-evolving landscape of business, the journey from concept to successful establishment often requires a potent infusion of capital. For entrepreneurs, accessing funds through business loans can be a pivotal step towards turning their dreams into reality. Whether it's starting a new venture or expanding an existing one, the strategic use of business loans can provide the necessary financial backbone to foster growth and sustainability.

Understanding Business Loans:

Business loans are financial instruments tailored to meet the diverse needs of entrepreneurs. They come in various forms, each designed to address specific business requirements. The key types include:

1.Term Loans:

 These loans involve borrowing a lump sum amount that is repaid over a predetermined period with fixed interest rates. Term loans are ideal for significant investments like equipment purchases, expansion projects, or real estate acquisitions.

2. Lines of Credit:

 Providing a revolving credit facility, lines of credit enable businesses to borrow funds up to a certain limit. Entrepreneurs can withdraw as much or as little as needed, paying interest only on the amount used. This flexibility makes it suitable for managing day-to-day operations, covering seasonal fluctuations, or addressing unforeseen expenses.

3.SBA Loans:

 Backed by the Small Business Administration (SBA), these loans offer favorable terms and lower interest rates. SBA loans provide financial support for various business needs, including working capital, equipment, and real estate.

4.Equipment Financing:

 Specifically geared towards acquiring machinery or equipment, this type of loan allows businesses to spread the cost of these assets over time while maintaining cash flow.

5.Invoice Financing:

 Also known as accounts receivable financing, this type of loan allows businesses to leverage their unpaid invoices for immediate capital. It's a useful option for businesses facing cash flow gaps due to delayed payments.

Choosing the Right Loan:

Selecting the most suitable loan requires a thorough understanding of your business needs, financial situation, and repayment capabilities. Factors to consider include:

Purpose:

 Define the purpose of the loan. Is it for expansion, operational needs, equipment purchase, or something else?

Loan Amount:

* Assess the required amount considering present and future needs without overburdening the business.

- **Interest Rates and Terms:** Compare interest rates, repayment terms, and associated fees among different lenders to find the most favorable terms.

Creditworthiness:

 A good credit history enhances the chances of securing loans with better terms. For startups or businesses with limited credit history, personal credit may be considered.

Collateral:

 Some loans require collateral, such as business assets or personal guarantees. Understand the risks associated with offering collateral.

The Loan Application Process:

Applying for a business loan involves a systematic approach:

1. Prepare Documentation:

Lenders typically require documents such as business plans, financial statements, tax returns, and legal documents. Ensure these are up-to-date and accurately represent your business's financial health.

2. Research Lenders:

Explore various lenders, including banks, credit unions, online lenders, and alternative financing options. Each has its own set of criteria and advantages.

3. Submit Application: 

Complete the loan application accurately and include all required documents. Some lenders may offer a prequalification process that gives an estimate of eligibility without impacting credit scores.

4. Review and Negotiation:

Once offers are received, carefully review terms and negotiate where possible to secure favorable terms.

5. Loan Approval and Repayment:

 Upon approval, adhere to the agreed repayment schedule, managing finances responsibly to maintain a positive credit profile.

Benefits of Business Loans:

Utilizing business loans wisely can yield several advantages for entrepreneurs:

Facilitate Growth:

Loans provide the necessary capital for expansion, allowing businesses to seize growth opportunities.

Manage Cash Flow:

Access to funds during lean periods or to cover immediate expenses helps maintain stable operations.

Build Credit:

Timely repayment of loans contributes to building a positive credit history, improving future borrowing capabilities.

- **Invest in Innovation:**

 Loans can fund research, development, or technology upgrades, fostering innovation within the business.

Challenges and Risks:

While business loans offer significant benefits, they also come with inherent risks:

Debt Burden:

Taking on too much debt without a solid repayment plan can strain finances and hinder growth.

Interest and Fees:

 High-interest rates and additional fees can increase the overall cost of borrowing.

Risk of Default:

Inability to repay loans can lead to asset seizure, damaged credit, or even business closure.

Conclusion:

Business loans serve as catalysts for entrepreneurial ventures, providing crucial financial support for growth and sustainability. Understanding the various loan types, meticulous planning, and responsible financial management are vital elements in leveraging loans effectively. By evaluating needs, comparing options, and adopting a disciplined repayment approach, entrepreneurs can harness the power of business loans to steer their ventures towards success in today's dynamic business environment.

[manasastuff-blog]

UPSC National Defence Academy NDA and Naval Academy NA Examination 2024 Apply Online for 400 Post

 Union Public Service Commission UPSC has released the National Defence Academy NDA (Male / Female), Naval Academy NA Only for Male, NDA & NA First Examination 2024. Those Candidate Are Interested to UPSC NDA & NA 2024 Exam Can Apply Online from 20/12/2023 to 09/01/2024. Read the notification for recruitment eligibility, post information, selection procedure, age limit, pay scale and all other information.

Union Public Service Commission (UPSC)

UPSC National Defence Academy NDA & NA First Examination 2024

UPSC NDA Exam Notice No. 03/2022-NDA-I :  Short Details of Notification

WWW.SARKARIRESULT.COM

Important Dates

Application Begin : 20/12/2023

Last Date for Apply Online : 09/01/2024 Upto 06:00 PM Only

Pay Exam Fee Last Date : 09/01/2024

Modify / Edit Form : 10-16 January 2024

NDA I Exam Date : 21/04/2024

Admit Card Released : Before Exam

Application Fee

General / OBC : 100/-

SC / ST : 0/- (Nil)

All Category Female : 0/-

Pay the Examination Fee Through Net Banking, Debit Card, Credit Card or Pay the Exam Fee Through Cash E Challan Fee Mode Submit the Exam Fee at State Bank of India SBI Any Branches in India.

UPSC NDA I Notification 2024: Age Limit as on Details

Age Between: 02/07/2005 to 01/07/2008

Age Relaxation Extra as per NDA I Exam 2024 Rules.

UPSC NDA & NDA I Recruitment 2024 : Vacancy Details Total : 400 Post

Post Name

Wing Name

Total Post

UPSC NDA & NDA Eligibility 2024

National Defence Academy NDA (Male / Female)

Army

208

10+2 Intermediate Exam in Any Recognized Board

Navy

42

10+2 Intermediate Class 12 Exam Passed / Appearing in Any Recognized Board with Physics & Mathematics as a Subject.

Airforce

120

Naval Academy NA Only for Male

10+2 Cadet Entry

30

How to Fill UPSC NDA I Exam 2024 Online Form

UPSC has made One Time Registration OTR mandatory for all its recruitments, thus OTR is necessary in this recruitment National Defense Academy 2024 also, those who have not done OTR yet should do their OTR, without it the application will not be accepted.

Union Public Service Commission UPSC Are Released the Notification for NDA I Exam 2024 for the 400+ Approx Vacancies in Army, Navy, Airforce Recruitment 2024 Candidate Can Apply Between 20/12/2023 to 09/01/2024

Candidate Read the Notification Before Apply the Recruitment Application Form in UPSC NDA Online Form 2024.

Kindly Check and Collect the All Document - Eligibility, ID Proof, Address Details, Basic Details.

Kindly Ready Scan Document Related to Recruitment Form - Photo, Sign, ID Proof, Etc.

Before Submit the Application Form Must Check the Preview and All Column Carefully.

If Candidate Required to Paying the Application Fee Must Submit. If You have Not the Required Application Fees Your Form is Not Completed.

Take A Print Out of Final Submitted Form.

NDA CRASH COURSE ( 6 MONTHS ) NDA ADVANCE COURSE (1 YEAR)

At Manasa Defence Academy, we take pride in providing the best training in India for those who are interested in pursuing a career in defense. Whether you aspire to join the prestigious National Defense Academy (NDA) or wish to advance your skills through our NDA Crash Course or NDA Advance Course, we have got you covered. In this article, we will delve into the details of these courses, highlighting their duration, curriculum, and the invaluable training you can expect to receive.

NDA Crash Course (6 months)

 Academy is designed to prepare candidates for the rigorous selection process of the National Defense Academy within a span of six months. During this short but intensive period, we ensure that you receive comprehensive training to enhance your chances of clearing the NDA entrance examination.

Duration and Curriculum

The NDA Crash Course is carefully crafted to cover all the important subjects and topics required for the NDA entrance examination. Over the course of six months, you will undergo an extensive curriculum that includes:

Mathematics: We provide in-depth coaching in mathematics, covering topics such as algebra, geometry, trigonometry, calculus, and statistics. Our experienced faculty will guide you through complex problem-solving techniques and ensure you have a strong foundation in this subject.

General Ability: This section tests your English language proficiency, general knowledge, and logical reasoning. We offer comprehensive study materials and conduct regular mock tests to help you improve your command over vocabulary, comprehension, and critical thinking.

Physical Training: Physical fitness is a crucial aspect of defense training. Our NDA Crash Course includes regular physical training sessions to improve your stamina, strength, and overall fitness levels. You will partake in activities such as running, obstacle courses, and team sports to develop the necessary physical endurance required for a career in the defense forces.

Intensive Coaching and Guidance

At Manasa Defence Academy, we believe in offering personalized attention to each candidate. Our experienced faculty members are dedicated and passionate about helping you achieve your goals. Through small batch sizes, we ensure that every student receives individualized coaching, allowing for better interaction and focused learning.

Our faculty members have prior experience in defense services and possess comprehensive knowledge of the NDA examination pattern. They provide valuable insights, tips, and tricks to tackle the examination effectively. Additionally, weekly doubt-clearing sessions and regular progress evaluations are conducted to track your performance and address any areas that require improvement.

NDA Advance Course (1 year)

For those seeking a more thorough and comprehensive preparation for the NDA entrance examination, Manasa Defence Academy offers the NDA Advance Course spanning one year. This course provides an in-depth understanding of the subjects and ample time for practice to ensure a higher success rate.

Duration and Curriculum

The NDA Advance Course is designed to cover the entire NDA syllabus in great detail. The duration of one year allows for an extensive focus on each subject, ensuring a comprehensive understanding. The curriculum includes:

Mathematics: Similar to the NDA Crash Course, mathematics is a vital component of the NDA Advance Course. Our expert faculty members provide extensive coaching in mathematics, enabling you to solve complex problems with ease and accuracy.

General Ability: The general ability section in the NDA entrance examination requires a broad understanding of English, general knowledge, and logical reasoning. Our Advance Course offers an intensive study of these subjects, along with regular practice sessions and mock tests to enhance your performance.

SSB Interview Preparation: Clearing the Services Selection Board (SSB) interview is an essential step towards joining the defense forces. Our NDA Advance Course includes personalized guidance and intensive training to help you excel in the SSB interview. Mock interviews, group discussions, and personality development sessions are conducted to enhance your overall performance and confidence.

Exclusive Study Material and Resources

As part of the NDA Advance Course, you will receive exclusive study materials, including comprehensive notes, practice papers, and reference books. These resources are carefully curated to cover the entire NDA syllabus and are regularly updated to align with the latest examination pattern and trends.

Our library facilities also provide access to a wide range of books, magazines, and journals related to defense studies. This allows you to broaden your knowledge base and stay updated with current affairs, military history, and global security issues.

Conclusion

If you have a burning desire to serve your country and embark on a fulfilling career in defense, the NDA Crash Course (6 months) and NDA Advance Course (1 year) at Manasa Defence Academy are perfect choices for you. With our dedicated faculty, comprehensive curriculum, and personalized attention, we strive to equip you with the necessary knowledge and skills to succeed in the NDA entrance examination. Don’t miss the chance to turn your aspirations into reality – join Manasa Defence Academy and kickstart your journey towards a rewarding career in defense.

[manasadefenceacademy]

Union Public Service Commission (UPSC)

UPSC National Defence Academy & Naval Academy Exam II 2025

UPSC NDA-II Exam 2025 : Short Details of Notification

Important Dates

Application Begin : 28/05/2025

Last Date for Apply Online : 17/06/2025 upto 06:00 PM only

Fee Payment Last Date : 17/06/2025

Correction Form: As per Schedule

Exam Held on : 14/09/2025

Admit Card Available : Before Exam

Application Fee

General / OBC : 100/-

SC / ST : 0/-

Pay the Examination Fee Through Net Banking, Debit Card, Credit Card and Offline Fee Mode Through E Challan

UPSC NDS II Eligibility 2025

Army Wing : Passed /Appearing 10+2 Exam in Any Recognized Board in India.

For Airforce & Naval Wing : Passed /Appearing 10+2 Exam with Physics & Math Subjects

UPSC NDA II Age Limit 2025

Candidate Not be Born Before : 02/01/2007

Candidates Not be Born After : 01/01/2010

Age Relaxation Extra as per NDA II Exam Notification 2025 Recruitment Rules.

UPSC NDA II Exam 2025 : Vacancy Details Total : 406 Post

Army : 208| Navy : 42| Airforce : 120| Naval Academy : 36

How to Fill NDA II Exam Online Form 2025

Photo Instruction : The photograph of the candidate should not be more than 10 Days old and the name of the candidate and the date of taking the photograph should also be written on the photograph.

One time registration has become necessary for all the applications of Union Public Service Commission, so all the candidates will be able to apply only after OTR.

Union Public Service Commission UPSC NDA II Recruitment 2025. Candidate Can Apply Between 28/05/2025 to 17/06/2025.

Candidate Read the NDA II Notification Before Apply the Recruitment Application Form in NDA Apply Online 2025.

Kindly Check and Collect the All Document - Eligibility, ID Proof, Address Details, Basic Details.

Kindly Ready Scan Document Related to Admission Entrance Form - Photo, Sign, ID Proof, Etc.

Before Submit the Application Form Must Check the Preview and All Column Carefully.

Take A Print Out of Final Submitted Form.

[scotianostra]

On 9th November 1769 The Fenwick Weaver’s Co-operative Society, the worlds first co-operative association, was founded.

In the Anglocentric education system that most of us older Scots grew up with we were told that the Yorkshire town of Rochdale were first to have a Co-op, this was in 1844. The truth of the matter is that The Fenwick Weavers' Society is considered to be the earliest known co-operative in the world for which full records exist about 75 years before the English claim.

The cooperative movement was born over 250 years ago in a barely-furnished cottage in the East Ayrshire village, when local weavers manhandled a sack of oatmeal into John Walker's whitewashed front room and began selling the contents at a discount.

In Yorkshire a sign on the railway bridge above the A664 leading into the town from the M62 states: "Rochdale: birthplace of cooperation", while the council's website describes the town as the "home of the worldwide cooperative movement", so I made a wee meme gif with the Still Game Neds to put hings right.

The Fenwick societies foundations started 8 years before when on 14th March 1761, 16 weavers met together in Fenwick Church to sign the foundation charter of the Fenwick Weavers’ Society. By signing the document, they agreed to its terms and conditions. These included ‘being honest and faithful to one another’ and to their employers, making 'good sufficient’ work, and setting prices that were 'neither higher nor lower … than are accustomed in the towns and parishes of the neighbourhood’.

The society members promised to pay an admission fee of two shillings and sixpence which was to be used for the good of the Society. Regular contributions to the poor fund were made from these shared investments. As well as offering mutual support to its members, the society aimed to bring benefit to the wider community.

On 9th November 1769, the society agreed that its funds should be used to buy, 'victuals’, or food, in bulk to be sold to members and non-members at a good price. In addition, members enjoyed the privilege of up to four weeks’ credit.

The society funds were also used to buy books and, in 1808, the members established a library for the local community. In the society records, there is also evidence of a form of 'credit union’, or community-based bank organised on co-operative principles. People could borrow money from the communal funds at a fixed rate of interest.

Sadly handloom weaving could not resist the advance of the factories and, in 1873, with only three members left, they wound up the Society. However, their memory lives on, both in the descendants of the Weavers now all over the globe, and also in our great world-wide Co-operative Movement with almost a billion co-operators affiliated to the International Co-operative Alliance.

The Society was reconvened in March 2008 and has been reconstituted as a co-operative, in legal form as an industrial and provident society, in order to record, collect and commemorate the heritage of the Fenwick Weavers.

The image with the transcript was the initial meeting from March 1761 you can read it in full at the link here https://www.nls.uk/learning-zone/politics-and-society/labour-history/fenwick-weavers/

[familyfinancialservice]

Smart Financial Solutions in Corinth MS: Your Guide to Personal Loans and More

When it comes to managing your finances and achieving your personal goals, having access to reliable loan options is essential. Whether you're planning a major purchase, consolidating debt, or covering unexpected expenses, understanding your options can make all the difference. If you're in Corinth MS and searching for trusted financial assistance, you're in the right place. This article explores the various loan solutions available near you, focusing on personal loans and how they can serve your unique needs.

Navigating Personal Loan Options in Corinth MS

A personal loan can be a versatile financial tool, offering you the flexibility to address a wide range of financial goals. In Corinth MS, many local banks and lending institutions provide these services, making it convenient for residents to find a solution that fits their budget and requirements. Personal Loan Bank Corinth MS Whether you're looking for a small emergency fund or a larger amount for a significant expense, understanding the process and requirements can help you secure the best deal.

When considering a personal loan bank in Corinth MS, it's essential to compare interest rates, repayment terms, and eligibility criteria. Most banks will evaluate your credit score, income, and debt-to-income ratio to determine your approval. Having your financial documents in order can streamline the process and improve your chances of approval.

Finding Loans Near Me for Greater Convenience

One of the primary concerns for borrowers is accessibility. Searching for Loans Near Me is a common practice among residents seeking quick and convenient financial solutions. Local lenders often provide faster approval times and personalized service, which can be a significant advantage when you're facing urgent financial needs.

In Corinth MS, numerous financial institutions cater to community members, offering various loan products beyond personal loans, such as auto loans, home equity loans, and small business financing. Visiting a nearby lender allows you to discuss your options face-to-face, ask questions, and receive tailored advice based on your financial situation.

Personal Loans in Corinth MS: Tailored Financial Support

Personal loans in Corinth MS are designed to meet the specific needs of residents. Whether you're funding a wedding, a home renovation, or educational expenses, these loans can provide the necessary funds without the strings attached to collateral-based loans.

Many local lenders offer competitive rates and flexible repayment plans for personal loans. It's advisable to check the terms carefully, including any fees or prepayment penalties. Personal Corinth MS Additionally, some lenders may require a minimum credit score, so understanding your credit standing beforehand can help you prepare.

Applying for a personal loan in Corinth MS typically involves filling out an application form, providing proof of income, and possibly undergoing a credit check. Once approved, funds are usually disbursed quickly, allowing you to access the money when you need it most.

Loans Corinth MS: Diverse Options for Every Borrower

The term Loans Corinth MS encompasses a broad spectrum of borrowing options available to residents. From payday loans to installment loans and credit lines, the variety ensures that most financial needs can be addressed efficiently.

For instance, if you're looking for short-term financing, payday loans might be an option, but they often come with higher interest rates. On the other hand, installment loans provide fixed payments over a longer period, making budgeting easier. It's essential to assess your financial situation and choose a loan type that aligns with your repayment capacity.

Community banks and credit unions in Corinth MS often offer loans with more favorable terms compared to payday lenders. Exploring these options can save you money and help establish or improve your credit score.

Why Choose Local Lending Institutions?

Opting for local banks and credit unions in Corinth MS has several advantages. These institutions tend to have a better understanding of the community's needs and might offer more personalized service. Additionally, they often provide more flexible lending criteria and lower interest rates than larger national banks or online lenders.

Building a relationship with a local lender can also be beneficial for future financial needs. They may be more willing to work with you if you encounter difficulties repaying a loan or need a customized financial product.

Tips for Securing the Best Loan Deal

Compare Offers: Don't settle for the first offer. Shop around and compare interest rates, repayment terms, and fees.

Check Your Credit: Know your credit score before applying to understand your chances and improve your application.

Understand the Terms: Read the fine print to be aware of any hidden fees or penalties.

Prepare Documentation: Have proof of income, identification, and other necessary documents ready to expedite the approval process.

Assess Your Repayment Ability: Ensure that your budget can accommodate the loan payments comfortably.

Final Thoughts

Living in Corinth MS offers residents the advantage of access to local financial institutions that understand the community's unique needs. Whether you're in search of a personal loan or other lending options, exploring your local options can lead to better terms and more personalized service. Remember to do your research, compare your options, and choose a loan that aligns with your financial goals and capabilities.

By taking a thoughtful approach and understanding your options, you'll be better equipped to secure the financial support you need and achieve your personal and financial objectives with confidence.

[familyfinancialservicesms01]

Loans in Batesville, MS: Your Guide to Financial Support

Understanding Loan Options in Batesville, MS

Loans are vital tools that help individuals and businesses manage financial challenges and seize opportunities. In Batesville, MS, borrowers can access a range of loan types, including personal loans, auto loans, home equity loans, and small business loans. Each serves different purposes and comes with its own requirements and benefits.

One of the most accessible forms of borrowing for individuals is a personal loan. Loans Batesville MS These loans can be used for various purposes, such as home improvements, medical expenses, education costs, or debt consolidation. Personal loans typically have fixed interest rates and repayment terms, making them predictable and manageable for borrowers.

Personal Loan Batesville MS: A Flexible Financial Solution

When seeking a personal loan Batesville MS, residents should consider the terms, interest rates, and repayment options offered by local banks and lending institutions. Personal loans are popular because they do not require collateral, unlike mortgages or auto loans. This unsecured nature makes them a flexible choice for many.

Many banks and credit unions in Batesville offer personal loan services, often with competitive rates and personalized assistance. It's advisable to compare offers from multiple lenders to find the best fit for your financial situation. Factors to consider include the interest rate, loan amount, repayment period, and any associated fees.

Personal Loan Bank: Your Local Financial Partner

A personal loan bank plays a crucial role in helping residents navigate their borrowing options. Local banks in Batesville, such as First National Bank or Bank of Batesville, often provide personalized service and tailored financial products to meet community needs. These institutions understand the local economy and are more likely to offer flexible terms and guidance.

When applying for a personal loan through a bank, you'll typically need to provide proof of income, credit history, and identification. The bank will assess your financial stability before approving the loan. Building a good credit history can lead to better interest rates and borrowing terms.

Financial Services Batesville MS: More Than Just Loans

Beyond personal loans, Batesville’s financial services encompass a broad spectrum of offerings designed to support residents' financial health. Financial Services Batesville MS These include savings accounts, investment services, mortgage options, and financial planning. Many local financial institutions also provide business loans and credit lines to support local entrepreneurs and small businesses.

For individuals seeking financial advice, many banks and credit unions in Batesville offer free consultations to help develop a comprehensive financial plan. This holistic approach ensures that borrowers are making informed decisions aligned with their long-term goals.

Navigating the Loan Process in Batesville

Applying for a loan in Batesville involves several steps:

Assess Your Financial Needs: Determine the amount you need and the purpose of the loan.

Check Your Credit Score: A higher credit score generally results in better loan terms.

Research Lenders: Compare rates and terms from local banks, credit unions, and online lenders.

Gather Necessary Documentation: Income verification, identification, and financial statements.

Submit Your Application: Complete the lender's application process, either in person or online.

Review Loan Offers: Carefully evaluate the terms before accepting.

Finalize and Repay: Sign the agreement and adhere to the repayment schedule.

[sorrynoroomsavailable]

Резиденція Вибачте Номерів Немає, Закарпатський академічний обласний театр ляльок БАВКА, Прем'єра документальної аудіоп'єси Володимира Кузнецова «Гречка з м'ясом» з «Антології української кухні 2022–2024», 5 березня, 2025

Дійові особи: Волонтери й волонтерки Київщини, Ржищівщини, Чернігівщини, Сумщини, Запоріжжя, Одещини, волонтерська група «Борщ для ЗСУ», «Ольшаницькі борщовари», «Спілка Учасників, Ветеранів, Інвалідів АТО та бойових дій» (СУВІАТО), десятки й сотні відомих і невідомих героїв та героїнь тилу. Музика: Мар’яна Клочко.

«Антологія української кухні 2022–2024», а вже й 2025 – це документація життєвих історій, досвідів та актів солідарності, відібраних на основі матеріалів Архіву Війни (Ukraine War Archive) й персональних відео- та аудіозаписів художника Володимира Кузнецова. Аудіоп’єса – художня форма, яку автор використовує для розповіді про феномен українського волонтерства. Цей феномен набуває обрисів великої бувальщини, легенди, трансформуючись згодом у міфи й казки. Аудіоп’єса транслювалась українською мовою із субтитрами SDH (з адаптацією для нечуючих). Аудіоп’єсу було створено у 2024 році в межах міждисциплінарної мистецької програми DOCU/СИНТЕЗ, 21 Docudays UA.

Програму резиденції ВНН, участь Володимира Кузнецова та прем'єру документальної аудіоп'єси В.Кузнецова «Гречка з м'ясом» реалізовано завдяки грантовій підтримці від The Académie des beaux-arts in Paris (French Academy of Fine Arts)

Кредит світлин у пості: Михайло Мельниченко

(eng)

Sorry No Rooms Available residence Premiere of Volodymyr Kuznetsov’s documentary audio play «Buckwheat with Meat» from «Anthology of Ukrainian Kitchen 2022-2024» at the Transcarpathian Academic Regional Puppet Theater BAVKA. March 5, 2025

Characters: Volunteers from Kyiv, Rzhyshchiv, Chernihiv, Sumy, Zaporizhzhia, Odesa, volunteer group “Borsch for the Armed Forces”, “Olshanytsia borshch cooks”, “Union of Participants, Veterans, Disabled ATO and Combatants” (SUVIATO), dozens and hundreds of known and unknown heroes and heroines of the home front. Music: Maryana Klochko.

«Anthology of Ukrainian Kitchen 2022-2024 and 2025» is a documentation of life stories, experiences and acts of solidarity, selected on the basis of materials from the Ukraine War Archive and personal video and audio recordings by the artist Volodymyr Kuznetsov. The audio play is an artistic form that the author uses to tell the story of the phenomenon of Ukrainian volunteerism. This phenomenon takes on the shape of a great story, a legend, transforming later into myths and fairy tales. The audio play was broadcast in Ukrainian with SDH subtitles (adapted for the deaf). The audio play was created in 2024 as part of the interdisciplinary art program DOCU/SYnthesis, 21 Docudays UA.

The SNRA residency program, the Volodymyr Kuznetsov’s participation and the premiere of V. Kuznetsov’s documentary audio play «Buckwheat with Meat» were implemented thanks to the grant support from The Académie des beaux-arts in Paris (French Academy of Fine Arts)

Photo credit in the post: Mikhailo Melnychenko

[hitchswitchnamechange]

The Newlywed’s Guide to Legally Changing Your Name in 2025

Changing your name can be really overwhelming, time-consuming and stressful. It is an extensive legal procedure that requires multiple exhaustive steps, including a lot of paperwork and bureaucratic processes.

However, with the right guidance, information, and fundamental understanding of the name change process, you can make it way simpler and hassle-free. Especially, if you leverage a name change service like HitchSwitch to streamline the processes. 

In this article, we offer comprehensive guidance on the process of legally changing your name after marriage, outlining the necessary steps.

Step-by-Step Process For Newlyweds To Legally Change Name

Step 1: Start with Your Marriage Certificate

Your legal name change begins with securing your certified marriage certificate. After your ceremony, your officiant typically files your marriage license with the appropriate county office. Within a few weeks, you should receive the certificate by mail.

Pro Tip: Order at least two certified copies. Many institutions require a certified document, not a photocopy, and having more than one will save you time during your name change after wedding journey.

Step 2: Update Your Social Security Card

Before you update anything else, head to the Social Security Administration (SSA). This step is crucial since your name must match SSA records before you can update your driver’s license, passport, and tax forms.

You'll need:

A certified copy of your marriage certificate

A valid photo ID (driver’s license or passport)

The SS-5 application form (available online)

Your current Social Security card

Submit by mail or in-person at your local SSA office. There’s no fee to update your Social Security card, and your number remains the same—only the name changes.

It is important that you wait to file taxes under your new name until the SSA processes your change; otherwise, you may face delays or rejections.

Step 3: Update Your Driver’s License or State ID

Once the SSA processes your update (usually within 24–48 hours), it’s time to visit your DMV. Most states require an in-person visit and will take a new photo for your updated ID.

You’ll likely need:

Your updated Social Security card or SSA receipt

Certified marriage certificate

Current driver’s license

Proof of address (utility bill, bank statement, lease)

While you’re there, consider upgrading to a REAL ID—especially since it’ll be required for domestic flights starting May 7, 2025.

Step 4:  Update Your Passport

Planning an international honeymoon? If your flight is booked in your maiden name, change your name after wedding, after the trip. Your travel documents must match your booking name.

When you’re ready to update:

Use DS-5504 (if your passport was issued <1 year ago—free)

Use DS-82 (if >1 year ago—fee applies)

Use DS-11 (if expired >5 years ago or applying for the first time)

You’ll also need:

Certified marriage certificate

New passport photo

Old passport

Application fee (typically $130+)

Processing takes 4–6 weeks (or 2–3 for expedited).

Step 5: Notify TSA PreCheck and Global Entry

If you’re enrolled in TSA PreCheck or Global Entry, remember to update your name in those programs. An in-person visit is required for Global Entry. 

TSA PreCheck-only users can call 855-347-8371 to start the update process.

Step 6: Inform the USPS

If you move after your wedding, notify the United States Postal Service of your new address and name. Notifying the Postal Service is not mandatory for a name change alone, but it is essential if your home address has changed.

Step 7: Update Banks and Credit Unions

You need to go to your local bank branch with your new ID and a certified marriage certificate. You'll need to:

Request new debit/credit cards

Update checks

Change the name on your accounts.

If you’re combining finances or opening a joint account with your spouse, both of you should be present.

Step 8: Contact Credit Card Companies

Call the number on the back of your credit card to initiate the name change. Most issuers will require:

Proof of identity (new ID)

Certified marriage certificate

Possibly a signed name change request

Some offer online forms, while others prefer snail mail or phone confirmation.

Step 9:  Update Insurance Policies

Health, auto, life, renter’s, and homeowner’s insurance policies all need your updated name. For employer-sponsored health plans, this update must go through HR.

Marriage is considered a “qualifying life event,” meaning you can change your coverage outside the usual enrollment period.

Step 10:  Update Utilities and Major Accounts

Remember to update:

Utility bills such as electricity, gas, water

Cell Phone service

Internet and cable

Car loans and leases

Student loans or mortgage providers

Each provider has different processes, but most allow you to update online or over the phone with proper documentation.

Step 11: Update Your Workplace and Professional Licenses

You must notify HR about your new name for payroll, tax documents, and benefits. Also, update your work email, digital signature, and business cards. 

If you hold a license for professionals such as a teacher, nurse, CPA, etc., check with your licensing body for name change procedures.

Step 12: Change Your Name On Personal Accounts

You’d be surprised how many places store your name:

Streaming services (Netflix, Spotify)

Airline rewards programs

Online shopping accounts

Social media platforms

Voter registration

The best way is to start a list and knock them out gradually. Many of these updates don’t require legal documentation, just a simple profile edit.

Consider a Name Change Service Like HitchSwitch

This certainly feels overwhelming! Well, you don’t have to go alone to it. There are services like HitchSwitch that streamline the process for you, offering personalized forms, pre-filled applications, and step-by-step instructions.

Here’s why you should use HitchSwitch?

Access to pre-filled forms for SSA, DMV, Passport, etc.

Checklists tailored to your state and situation

Options for printed kits or online PDF downloads

Support via chat or concierge service

Saves hours of research and paperwork

Whether you want to change your name marriage style with ease or just avoid administrative headaches, HitchSwitch can be your best post-wedding name change assistance for simplifying the entire procedure.

[gargranger]

Quick Loans Canada A Fast Solution for Urgent Cash Needs

When unexpected expenses arise, getting access to funds fast is crucial. Whether it’s a medical emergency, urgent car repair, or a bill you can’t postpone, quick loans canada are designed to provide immediate financial relief.

These short-term loans are available to Canadians through online platforms and are known for their speed, accessibility, and convenience. If you're searching for a hassle-free way to manage emergency expenses, quick loans canada might be the right fit for you.

What Are Quick Loans Canada?

Quick loans canada are fast, short-term financial products offered by both online and in-person lenders. They’re typically approved and funded within the same day, sometimes within just a few hours.

The goal of these loans is simple—help you cover urgent expenses until your next payday or a more stable financial situation. Loan amounts usually range from $100 to $1,500, depending on the lender and your eligibility.

How Do Quick Loans Canada Work?

Applying for quick loans canada is a straightforward process. Most lenders offer online applications that take only a few minutes to complete. Here’s how it usually works:

Fill out the application form: Provide your personal, employment, and banking details.

Submit documents: Upload proof of income and ID if required.

Get approved quickly: Many lenders offer instant or same-day decisions.

Receive your funds: Money is usually sent via Interac e-Transfer or direct deposit.

Repay on schedule: The loan is typically due on your next payday or as agreed upon.

Why Choose Quick Loans Canada?

There are several advantages to choosing quick loans canada over traditional lending options:

Speedy approval: Many loans are approved and funded the same day.

Online access: Apply from anywhere using your phone or computer.

Lenient requirements: Bad credit or limited credit history? You might still qualify.

No collateral needed: Most quick loans are unsecured.

Emergency coverage: Perfect for urgent financial needs when other options are unavailable.

Who Should Consider Quick Loans Canada?

Quick loans canada are ideal for individuals who:

Need cash fast for emergencies

Don’t qualify for traditional bank loans

Have a steady source of income

Can repay the loan in a short period of time

This option is best used as a short-term solution and not for long-term financial planning or recurring expenses.

Risks of Quick Loans Canada

While quick loans canada are helpful in emergencies, they also come with some downsides to be aware of:

High interest rates: These loans can carry significant fees compared to traditional loans.

Short repayment period: Usually due on your next payday, which might create budgeting pressure.

Debt cycle: Rolling over loans or re-borrowing can lead to a cycle of debt.

Unlicensed lenders: Not all lenders operate legally—always verify their status.

How to Borrow Responsibly

If you decide to go ahead with quick loans canada, follow these tips to protect yourself and your finances:

Borrow only what you need: Keep your loan amount as low as possible.

Have a repayment plan: Budget your income to ensure timely repayment.

Compare lenders: Look at interest rates, terms, and customer reviews.

Understand all fees: Make sure you're aware of all charges before accepting the loan.

Avoid repeat borrowing: Using quick loans repeatedly can lead to financial strain.

Safe Places to Find Quick Loans Canada

To ensure a safe borrowing experience, use the following tips when choosing a lender for quick loans canada:

Check for licensing: Make sure the lender is registered in your province.

Read reviews: Look for positive customer feedback and transparent practices.

Use secure websites: Always apply through a website with HTTPS security.

Avoid upfront fees: Legitimate lenders don’t require payments before approval.

Some reputable options include licensed payday loan companies, credit unions offering emergency loans, and online platforms that specialize in small-dollar lending.

Alternatives to Quick Loans Canada

If you’re not sure quick loans canada are the best option, consider these alternatives:

Borrowing from friends or family: A flexible, interest-free way to get help.

Using a line of credit: Ideal for ongoing expenses or if you already have one in place.

Short-term bank loans: Some banks offer express loans with lower interest.

Community assistance programs: Government or nonprofit financial support may be available.

Final Thoughts

Quick loans canada are a fast and convenient solution for Canadians facing urgent financial situations. They offer simple applications, rapid approvals, and same-day funding—all from the comfort of your home.

However, they should be used responsibly. Always understand the terms, compare options, and make sure you can repay on time to avoid falling into a debt cycle. When used wisely, quick loans canada can help you bridge the gap during financial emergencies without long-term consequences.

[chloedecker0]

Best Loan Origination Systems in 2025: Top Vendors to Know

If you haven't assessed Loan Origination System (LOS) vendors in over five years, you will see considerable changes. The market is expanding quickly. According to QKS Group's analysis, the LOS market is expected to grow at an average CAGR by 2028. The research identifies numerous causes driving this rise, including the wider adoption of artificial intelligence, machine learning, blockchain technologies, enhanced user experience, and other advancements in LOS technology.

In this blog, you'll learn about the concept of a loan origination system, how it works, and the best loan origination systems on the market.

What is Loan Origination System (LOS)?

QKS Group defines Loan Origination System (LOS) is a software solution that streamlines and manages the entire end-to-end lending process encompassing tasks such as loan origination, processing, distribution, and monitoring of loans for large to mid and small organizations. A typical LOS software comprises of various modules such as application generation, KYC processing, underwriting, documentation, loan servicing and delinquency management. An end-to-end LOS solution aids organization in augmenting revenue, effectively managing risk, improving operational efficiency, as well as providing seamless customer experiences.

Download the sample report of Market Share: https://qksgroup.com/download-sample-form/market-share-loan-origination-system-los-2023-worldwide-4558

What Does a Loan Origination System Do?

By seeing the current market scenario, financial organizations are persistently trying to enhance their workflow. Efficient systems not only enhance customer experience but also bring better ROI. Financial services institutions are focusing more on automation aspects to improve loan management. Adopting technologies such as microservices, APIs, machine learning, and AI is now quite effortless. Integrating these technologies into legacy loan origination systems will reduce the processing time and operational costs. To achieve greater efficiency, lenders need to focus on the following tasks:

Automate data collection from the customer

Verify the authenticity of documents digitally

Automate the underwriting process

Enable third-party integrations to the loan origination system

Enable automated workflow models

Top Loan Origination Systems Vendors

To help you make an informed decision, here is the top loan origination systems vendors.

Finastra

Finastra is a company focused on promoting financial inclusion. Open collaboration, open finance, and usage of an open platform characterize the company’s operations. It meets the demand of the global financial services sector with innovative and creative solutions. The Fusion software architecture and cloud ecosystem provide cutting-edge technologies. The company's approach includes a variety of helpful steps to keep its processes relevant.

Fiserv 

Fiserv is a software solution created for financial institutions. It automates and manages the loan lifecycle. Its primary users are banks and credit unions, which require efficient compliance management. Fiserv provides significant value for institutions that prioritize adherence to regulatory standards. Its focus on compliance confirms that financial institutions can operate confidently, knowing they stay aligned with necessary regulations.

nCino

nCino is a cloud-based banking operating system that serves credit unions, corporate banks, retail banks, and other financial institutions. It integrates Customer Relationship Management (CRM), customer opening, loan origination, and deposit account functions with workflow and quick reporting abilities. Expanding loan capacity, lowering service costs and policy exclusions, and providing a complete view of the client relationship are the objectives of nCino. It may be customized to meet the organization's needs

Nucleus Software

Nucleus Software Exports Ltd. is a publicly traded software product company that provides lending and transaction banking products to global financial leaders. Nucleus Software powers the operations of 200+ Financial Institutions in 50+ countries, enabling retail and corporate loans, cash management, and mobile and online banking.

TurnKey Lender

TurnKey Lender, a global B2B SaaS company, offers decision management tools and an AI-powered loan automation platform. The program may automate the complete loan process, from origination and underwriting to servicing, collection, and reporting. The platform is adaptable enough to handle a variety of credit products, including commercial and consumer loans.

Download the sample report of Market Forecast: https://qksgroup.com/download-sample-form/market-forecast-loan-origination-system-los-2024-2028-worldwide-4557

Streamlining Commercial Lending with Loan Origination Systems

A Commercial Loan Origination System (LOS) is specialized software developed to streamline and manage the complete commercial loan process for banks and financial institutions (FIs), which serve companies of all kinds, from huge corporations to small and medium-sized businesses. This comprehensive system manages several processes, like loan commencement, processing, distribution, and continuing monitoring. It includes integrated modules like application creation, Know Your Customer (KYC) processing, underwriting, document management, loan servicing, and delinquency management.

According to the "Market Share: Loan Origination System (LOS), 2023, Worldwide" report by QKS Group, the increasing adoption of AI/ML models and big data analytics is transforming the LOS landscape. These technologies automate spreading and ratio analysis, allowing financial institutions to conduct comprehensive credit risk assessments with greater accuracy and efficiency. Additionally, AI-powered chatbots are enhancing customer support by reducing or even eliminating the need for human intervention.

The "Market Forecast: Loan Origination System (LOS), 2024-2028, Worldwide" report highlights the growing role of cloud computing in optimizing loan processing workflows. With advanced document storage, seamless data integration, scalability options, and robust security protocols, cloud-based LOS solutions ensure 24/7 accessibility and operational efficiency through microservices architecture.

Conclusion

The loan origination system market is rapidly growing, driven by AI, ML, cloud computing, and automation. Financial institutions are adopting LOS solutions to improve efficiency, reduce operational costs, and enhance customer experiences. With key vendors offering innovative solutions, lenders have multiple options to streamline their loan processes. As highlighted in QKS Group’s reports, the LOS market is set for significant growth through 2028, making it imperative for businesses to stay updated and invest in the right technology.

Related Reports –

https://qksgroup.com/market-research/market-forecast-loan-origination-system-los-2024-2028-western-europe-4852

https://qksgroup.com/market-research/market-share-loan-origination-system-los-2023-western-europe-5312

https://qksgroup.com/market-research/market-forecast-loan-origination-system-los-2024-2028-usa-4851

https://qksgroup.com/market-research/market-share-loan-origination-system-los-2023-usa-5311

https://qksgroup.com/market-research/market-forecast-loan-origination-system-los-2024-2028-middle-east-and-africa-4850

https://qksgroup.com/market-research/market-share-loan-origination-system-los-2023-middle-east-and-africa-5310

https://qksgroup.com/market-research/market-forecast-loan-origination-system-los-2024-2028-china-4847

https://qksgroup.com/market-research/market-share-loan-origination-system-los-2023-china-5307

https://qksgroup.com/market-research/market-forecast-loan-origination-system-los-2024-2028-asia-excluding-japan-and-china-4844

https://qksgroup.com/market-research/market-share-loan-origination-system-los-2023-asia-excluding-japan-and-china-5305