#home credit online

[plutosschild]

I’ve been so busy prepping for Halloween that I forgot to do a Halloween drawing so I’ll do one and post it another time but here’s a doodle I did of @sugarlesswriting ‘s fic ‘Clementine’ instead of paying attention to my lecturer x

[navysealt4t]

they call me mister Constantly Getting Classes Switched and Called to Counseling Office Once a Week 😎

[finaqofinance]

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[stone-monkey]

So, at work for Christmas we got given a...substantial voucher for John Lewis. If you are lucky, you can get some good deals in store on discounted items. I also got a generic voucher that can be used in Argos.

What I’m saying is I managed to get a LoZ themed Switch and both TTOK and BotW and I only spent about £1 of my own money.

[carcinized]

^ top 10 albums that make me feel emotions

[reuptakeinhibitor]

can't wait to bitch out the guy at the american airlines check-in counter at my local airport who ended up costing my mom and me several hundreds of dollars (possibly $1k+) for fucking up our return flight because we were a few minutes too late to check in to our departing flight

[leefsnakesnake]

There's an EU initiative going on right now that essentially boils down to wanting to force videogame publishers with paid games and/or games with paid elements such as DLC, expansions and microtransactions to leave said games in a playable state after they end support, or in simpler terms, make them stop killing games.

A "playable state" would be something like an offline mode for previously always online titles, or the ability for people to host their own servers where reasonably possible just to name some examples.

I don't think I need to tell anyone that having something you paid for being taken from you is bad, which is a thing that routinely happens with live service and other always online games with a notable recent example being The Crew which is now permanently unplayable.

Any EU citizen is eligible to sign the initiative, but only once and if you mess up that's it. You can find it here. (https://eci.ec.europa.eu/045/public/#/screen/home)

Even if you're not European or you signed it already, you can share this initiative with anyone who is, even if they don't care about videogames specifically because this needs a million signatures and there is different thresholds that need to be met for each EU country for their votes to even count and could also be a precedent for other similar practices like when Sony removed a bunch of Discovery TV content people paid for. EDIT: There are also some things people outside the EU can do, as well as additional things some people in specific EU countries like Germany and France can do that aim to solve this same issue as well. You can find that here. (https://www.stopkillinggames.com/)

(Note: There was a petition for UK people but the recent politics stuff there means it's on hold and has to be resubmitted and that may take some time.)

Additionally if you want to keep up with this you can check out Ross Scott (Accursed Farms on youtube or his website) who has been posting monthly about this and deserves a lot of credit for all this work.

(I hope that's all the stuff I missed)

EDIT 2: I changed the link to go directly to the form instead, this SHOULD work!

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[sergle]

(re: sssniperwolf and jacksfilms) It's laughable that she escalated it that hard. Don't get me wrong, I'm pretty sure stalking him like that is illegal and it's terrifying regardless, but Jack said in a stream (can't remember which one) that he wasn't about bringing up past controversies of hers or cancelling. And now she shows up outside his house (wtf!!!). Like he was willing to only call her out for stealing and freebooting but she's gone and stalked him and Jack doesn't seem like the type of guy to take that shit. Actual WTF moment from her part. wild

omg long post below bc apparently I have opinions: YES!! THAT'S WHAT'S SO INCREDIBLE ABOUT THIS... Jack has been genuinely diligent about keeping things on-topic in his streams, and hasn't brought up any of her other Stuff, or anything Personal. Despite the fact that she kickstarted the whole thing by making it INCREDIBLY personal and attacking his physical appearance... His goal has been to call out and bring attention to content theft, and he's stuck with it. Dude's also cared about this for years, and she's not the first content thief he's criticized. He just hates the way that freebooting has become so accepted-- to the point where youtube praised her for "coming up with such creative video ideas"? Hey! Ew! Dude wasn't trying to get her cancelled though, there was no smear campaign of her character. He's been rallying to get her to CREDIT the creators that she relies on for all of her content. It would set a precedent for all other "react" channels on the platform for one of the biggest channels on youtube to actually give credit where credit is due. Or, god forbid, get permission first? It's not hard. It's already done the job of making some other people who do "react content" self-analyze whether or not their content is transformative, and to maybe care about crediting the creators they rely on for their genre to work. There is a way to make this kind of video that isn't so slimy. And making fun of her lackluster-at-best reactions is so far from even being a big deal. Bc she literally does just sit there and say nothing. Plus, his goal has a clear End built into it: if she started shouting out the creators she takes content from, and put links directly to their pages in her video descriptions, the job would be done! That's what he's asking her to do. Real bare minimum stuff. It legit would have been easy to steer away from the content theft and to also talk about her history of lying to her audience! her ghosting a dying kid with cancer who was a big fan of hers! the fact that she's been arrested for armed robbery! her history of transphobia! He would also get more clicks that way, which is what she claims is his sole goal- to get more clicks. I'll bring it up though! She's been a terrible person the whole time, and has kept a steady course of manipulating her audience of young children and/or, let's be completely honest, simps- into thinking that she's a Wholesome creator. (And now, into thinking she's an innocent victim.) All of the actual effort put in by her has gone toward optics, not the content she puts out. A carefully constructed online persona, for one, but also literal appearances. Jack totally can't say this, bc she already went off the handle and said the only reason he doesn't like her is bc he Hates To See A Woman Be Successful. But I can! That was a cheap shot for her to use that argument when, for once, it's not applicable! Much the opposite, even! Dudes online wouldn't go to bat for her if she didn't look the way she does. And it weakens any case she'd have against him by making baseless claims like that. She banks hugely on being an attractive woman to get her clicks/following. A massive amount of effort is put into her appearance. The makeup, the lip fillers, putting her hair in little pigtails, the chokers and tube tops, the big non-prescription Nerd Glasses, the thumbnails where she has her mouth open in That Expression?

I don't even have to say anything. But making a weird facial expression and putting your hair in pigtails aren't moral failings. Showing up at someone's real life home (whose address you shouldn't even have access to), filming the front of their house at night, doxxing them to your audience of millions of people? Because you were mad at them online? That is fully scary! Yeah girl I'm pretty sure that Jack can press charges! There is absolutely no way to take the moral highground now that she's literally stalked him, and doxxed his home. She tried to goad him and Erin (Jack's wife) out of the house, also, which creeps me out even more-- because what was she planning to do? The fact that she's been arrested for violent crime before does pop into my mind! lmao! Jack was streaming a game at the time that she was outside his home, and these clips of him, his friends, and Erin reacting in real time to what is genuinely a scary situation have been taken down in case he needs to use them in legal action. Shit is legitimately serious!

[easyloanhub]

Cash Flow Management Tactics for Seasonal Businesses

Seasonal companies like summer landscapers or winter plough services get paid only when their busy time of year comes. So they scrape by during slow periods in between before money from customers rolls in again months later. Owners bootstrap things themselves or take loans to bridge costs until the next sale cycle surge hits. But regular business loans need strong credit first.

Newer ventures also don't have long track records to qualify for conventional financing. But they face surprise expenses like busted equipment needing quick cash infusions. Special loans for businesses with no credit check can help in these cases rather than just relying on a strong credit score.

These lenders care more that income cycles look reliable based on past invoices. They get that seasonal businesses have ups and downs, so repayment terms change accordingly rather than stick to rigid, unrealistic structures.

Money advances deploy quickly and are tied directly to future sales. Yes, the rates and fees climb to account for the risks lenders take. But flexibility keeps doors open when conventional loans are denied.

Understand Your Cash Flow Cycle

Every small business has cash flowing on a cycle based on peak versus lean seasons. Landscapers bank summer cutting grass while snow ploughers bill in winter. Retail shops boom around holidays. Understanding these ebbs and flows matters immensely.

Analyse past sales data to spot repeating trends and high or low periods across calendar years tied to demand swings. When do customers spend most heavily versus tighten up month to month? Charts make cyclical clarity easy over just eyeballing bank statements.

Once seasonal patterns emerge, plan operations and financing needs accordingly. Bridge thin periods stretching cash reserves, staff judiciously to cut unused overhead and double down reinvesting in growth when sales spike. This ties budget realities neatly to cash flowing as working capital. It is smooth, uneven income logically.

Create a Cash Reserve

Small businesses must save cash when monthly sales go sky-high. Save it even if you are just breaking even now - banks don't help much when your income drops later! Don't overspend just because you are swamped with customer payments for one month.

Save part of every income that comes in during hot seasons for the slower times inevitable later. Use this cash only for getting through future slow months, not expanding operations hastily when busy. Carefully determine amounts enough to cover all basic expenses like rent, staff wages, and must-have supplies during the slower weeks and months.

Put savings literally in standalone accounts earmarked only to tap later when sales cool. Keep it separate from general funds that get used bit by bit during slow periods if accessible.

Diversify Revenue Streams

Sell related products when demand drops for main offerings in certain months. Summer landscaping firms can handle snow removal in winter.

Open Online Stores

Digital sales stay open 24/7 for customers anywhere, not just local visitors. Reach more buyers globally online for a low added cost. Keep sales going even during local hibernation periods.

Run Seasonal Promotions

Discount prices around holidays or advertise holiday bargains to keep customer interest alive during slower tracks of the calendar. Discounts attract curious shoppers while spreading brand recognition widely over time. Just be sure not to lose money in the process!

Flexible Staffing Solutions

Hire seasonal workers to match the workforce with demand.

Use part-time staff during off-peak periods.

Outsource tasks to reduce permanent employee costs.

Seek Financial Assistance

Short-term loans bridge cash flow gaps.

Government grants specific programs for seasonal businesses.

Consider lines of credit flexible borrowing options.

Getting Funds

Running a seasonal small business with ups and downs in cash flow can get very tricky, especially if your credit score is not great. The good news is there are long-term payment loans just for this situation!

These long-term bad credit loans let business owners borrow larger lump sums of money that then get paid back in smaller fixed amounts over multiple years. This matches the repayment schedule to slower income months.

The rates on these long-term bad credit business loans are usually quite reasonable - less than 15% in many cases. This makes the financing costs fit better into tight budgets.

So if your landscape company, ice cream shop, tourist store or other seasonal outlet needs some extra funding to carry things through the slower periods, then explore your long-term instalment loan options rather than using expensive short-term financing. This smooths out cash flow even if your credit needs improvement.

Conclusion

Staying on top of money takes work, especially with a home long term. What seems affordable now may prove wildly off later when surprise costs hit.

So monitor all spending each month closely rather than ignore things after move-in. Review expenses often next to account balances to catch overruns before they spiral out of reach.

As life evolves with kids or job changes, update budgets to match rather than stick to outdated plans. Money fitness requires flexibility - not just making a plan but actively adjusting it when situations change.

You can respond faster to curb damage before it balloons unfixable, threatening family stability. Be an active captain, not just a passive passenger!

[udaysagar15]

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[finaqofinance]

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[onlineloansyash]

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[investingdrone]

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[roki58750]

[livingstyleup]

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