#personal bank loan comparison

[harishloans]

Personal loan apply online

Personal loan apply online

personal loan applies online; Loan is very easy to apply online and many Banks NBFC are offer instant quick approval’s Quick disbursement in 30 minutes to 4hours is maximum, but some important key point to get instant Approval’s

GOOD CIBIL SCORE

SALRY CREDIT BANK NET BANKING OR DEBIT CARD AUTHENDICATION

WORKING IN PVT LTD COMPANY

METRO CITIES

SALARY ABOVE 15K

    ENAF THESE THINGS ARE VERY IMPORTANT TO GET ONLINE PERSONAL LOAN, WITH QUICK APRUVAL’S & DISBURSEMENT,

[loansmee]

Ready to buy a car but torn between bank or dealer financing? Discover the ultimate showdown of pros and cons in our engaging guide! Make the smartest choice and drive away with the best deal. Don’t miss out—read now and secure your dream car effortlessly!

[bluecollarmcandtf]

Cash Slave, reporting in...

Good morning, master. State Trooper Hernandez reporting!

I hope you're doing well since the last time we saw each other. Again, I can't apologize enough for pulling you over on the highway. I had no idea you were such an amazing hypnotist. Thank you again for letting me get off easy and only making me taze myself twice! I was paralyzed in that muddy ditch for awhile, but you could've given me a helluva worse punishment!

Your instructions aren't negotiable, so I made sure to snap a photo before I started my shift today. As you suggested, I've been eating a box of donuts every morning, and I've packed on a hefty 30 lbs since I've started. My wife has complained, but I know you want me to look more like a cliche of law enforcement!

I'll stop by your house to drop off my paycheck tonight after work. I won't forget to pick up some pizza for you and your friends on the way: extra sausage, just like you said!

See you tonight, master!

Hello sir.

It's been a week since you came into my shop, and I've followed everything you said. I didn't agree with it at first, but you convinced me with that little pendant.

You were right! I really am beneath powerful men like you. Filthy blue-collar workers aren't worthy to lick the dirt off your shoes. You were right to point that out, and you were right to tell me to embrace it. When the world looks at me, they shouldn't see a man. They should see a grease monkey at the bottom of society.

That's why I haven't showered or changed in seven days. My BO is uncomfortable to work in, but I know it's just a reminder of what I am. I used to be proud of my job. Ha! I used to look down on suits like you, but I'm nothing in comparison; just a tool at your disposal.

Anyways, I cleaned and waxed your old car as fast as I could. I know I lent you my convertible, but you're welcome to keep it. I put a lot of sweat and blood in fixing her up, but like you said, fancy cars are meant for you to drive and me to maintain.

Stop back in my garage anytime. White-collar men like you get free service here! It's not the place of any lowly laborer to get in the way of what you want.

Thank you again, sir.

Hello boss.

Just started another long day of window washing! It's another hot one, but I'll keep my head down and sweat through it like usual.

I've gotta say, it's days like this that make me miss the comforts of my old corporate desk job. I'd kill for some AC right now, but I remember how much you made me realize I hated that career. Like you said, I'm much better suited to a life of mindless cleaning.

It turns out you're the real one with a knack for business strategy because all of your advice has been genius! The income is dependent on the hours I put in, and since I'm working for half the price of all competitors, I've gotten a monopoly on the market! I've fully booked all seven days for the next five or so weeks, so I'll be washing windows non-stop!

The business is already booming! I've been billing customers to your bank account, so you should already see all the profit in there!

Later today, I'll make a note of the minimum I need to replenish the cleaning supplies I'm running through. I'd also be grateful if you loaned me a bit for personal use, but it's understandable if you can't spare any! We agreed that I wasn't working for a salary, and I'm fine with that! I've been sleeping in the company van the last few weeks and it's more than good enough for me!

Don't worry, boss. I'll get back to work!

Tell my wife hello for me, master!

Working on a rig has been isolating. The job is brutal, the days are long, and every night I head back to our bunks covered in oil. I thought I'd at least get to bond with the other guys, but most of us are too tired to do anything but eat and sleep after our shift.

The only thing that's getting me through it is thinking about you. I know I also have a girl at home, but you were the one that gave my life purpose. I was never going to make money as an actor, and you helped me see that! You were the one that convinced me to go for this ridiculous job in the middle of the ocean, and now I'm making a ton of money!

You deserve it all.

I wouldn't have seen any of this cash if I hadn't stuck around after your stage hypnosis show. I still remember the wild look in your eyes when you came up with this idea for me. I also remember that hungry look you had when you saw my wife. It was impossible to say no.

Oh, and thanks for keeping my wife company while I'm gone. A man like you deserves her attention more than I do. Like you said, I doubt I was pleasing her to begin with. The only thing I'm good for is earning money, and I hope you're enjoying it because it sure isn't easy to earn!

I gotta get back, but I wanted to let you know that I signed up for another six months like you suggested. It's lonely, but I'm happy to do it, master!

Son, or should I still call you 'sir'?

I'm not sure if I your new title applies through text as well? Being your dad and your servant can be a bit confusing, but I don't mean disrespect you! Just let me know.

My workout is done and I'm headed back to your house. I signed the deed over to you this morning, so you officially own it now! Like usual, I'll clean the place from top to bottom. I've got all the mops and cleaning supplies in my van and ready to go. Since it's Friday, I'll start on the weekly yard work; mowing, weeding, etc... I don't want to bore you with the details, but it'll take the majority of the day to keep your place in tip top shape!

As I understand it, you are having friends over tonight, so I'll prepare a three course meal for eight. I ironed my apron this morning so I should look like a more presentable waiter than last night when I served your food!

As always, please let me know if there's any other way I can be of service today or tonight.

I'll be awaiting your return, sir.

Hey little bro,

I just finished my workout at the gym with dad. We're both hitting PRs and we're really starting to see some results! Still can't believe you hypnotized his dumb ass to think he's your butler! That man looks so stupid changing from gym clothes into a bowtie and gloves. He's constantly calling you 'sir' too, even when you're not around.

He's such an idiot.

Anyways, I'm all dressed and ready for my new job. You were totally right. I'm going to be so much happier as a clown instead of a wrestler. I'm about to head out to my first gig; a ten year old's birthday party. I think he's the kid of someone I used to compete with. It might be a little awkward, but it won't affect my routine. I've got an afternoon of pies in the face and self-deprecating humor ahead of me.

I made sure to tell the guy who hired me that I'm willing to stay after and clean up. Kids make a huge mess after all. I just hope he won't be too weird about me being a clown at his son's party. We may have been rivals in the past, but that was back when I wrestled. Now I'm just a joke for hire. He's technically my boss for the day, so I'll have to get used to taking orders from him.

Wish me luck, bro. I'll give you the money after the dad dismisses me. Let's hope I make a good clown!

[aravas-writing]

Because I feel a little better and need it out of my system:

A funnyman's recap of Blue Archive

Volume 1 Chapter 2

V1 is not that long, especially in comparison to the others. But hey, it was just the first volume, after all.

So, we got Hoshino resigning and everyone is bummed out about it. Sensei finds her and asks her about that.

She tells him the story of the student council president before her at Abydos, Yume. Despite all the bullshit, she tried her best and was always smiling.

Yume...isn't around anymore. As we find out later, Hoshino found her dead body between the dunes. It's Yume's riot shield she is using. To the last, Yume believed that Abydos could be saved while Hoshino grew more and more cynical about it.

The player, through a recap done by Ako and Hina, learns that Hoshino used to be a troublemaker, a firebrand. How she mellowed out so much is a mystery to them

Hoshino admits that Sensei is the first adult she ever trusted. How she didn't think they would be of any use when they first came to Abydos, because adults were useless to her, but Sensei has grown on her.

She fakes returning, but clears her position for good once Kaiser starts twisting her arm. They get really asshole about it, too, by randomly jacking up the interest rate because Abydos didn't want their deal.

This, Hoshino does end up striking a deal, only to get faked out and imprisoned, to be used in some experiment. Though not by Kaiser, but by someone else.

Black Suit

Member of shadow organisation "Gematria"

Considers Sensei an equal, yet enigmatic individual

Is the first person that made me go "what the FUCK is going on behind the scenes?!"

Oddly affable, graceful even in defeat

Gets jokingly shipped with Sensei

It is through Sensei's first talk to him, in regards to Kaiser's fuck shit and Hoshinos kidnapping, that Sensei shows his adult card. A powerful item that saps Sensei's life force for immense power

It's just about the dopest description I've heard so far for a fucking credit card you use to roll the gacha

Anyway, Black suit is a fair sport and tells Sensei that Kaiser wants Abydos because of a treasure in the desert. Gematria fed them that info, so now they seek it intensely and at great cost.

Naturally, Hoshino is heavily guarded and Sensei's options are limited. So, they organise an assault with the four remaining girls and calls for aid from a certain girl.

You see, I committed a cardinal sin last time. I omitted a severe detail due to forgetfulness. You see, as the crew was scouting out Kaiser back in chapter 1 for a bank heist, they encountered someone running through the black market district. Someone very crucial to this part of the story and someone incredibly important to the further story.

Ajitani Hifumi

Babbi

Look at her

Adorable

She considers herself a average girl

Collects merchandise from the kids show "Peroro Friends"

Peroro superfan, that freaky chicken is even her ex skill

Gets roped into minor shenanigans, bonds with Abydos girls

Comes in clutch with a paper bag on her head, calling herself "Faust of the Masked Swimsuit Gang"

Modified Enfield Assault Rifle "My Necessity"

Hifumi is the one Sensei contacts for help, as she has a surprising connection to one of the higher-ups at her school. Said bigwig tells Sensei in no uncertain terms that they intend to cash in on the favour they owe Trinity with this.

And then they rain down artillery on Kaiser positions.

Brilliance.

Problem Silver also gets involved, with Haruka giggling menacingly before blowing through enemy ranks and Mutsuki going feral over people annoying "glasses girl" (Ayane)

Look at these pics from the summer event. Ayane is very adorable, so I can understand Mutsuki fully.

Hoshino gets freed, hope against hope, and she realises that Abydos is her home and will remain her home. Simply because those dearest to her are all there, waiting for her.

All is well that ends well, as Kaiser takes a hit, makes concessions to Abydos and the head of the Loans department flees in disgrace as the Media has a field day with all the info that got leaked.

Still, something great and terrible is on the horizon already...

[ecologyalike]

Debt at the heart of the growth paradigm

Before industrialization, much of the world’s population lived in a society with very low per capita economic growth rates. In the 1930’s with the invention of econometrics, economic growth became a symbol of a modern state, and an aspirational goal of the nation to demonstrate progress in comparison to other nations.

However, sustained economic growth comes with an immense social and ecological cost. There is little doubt that increasing pollution and waste generated by the growth economies threaten the well-being of future generations. Likewise, the overuse of the world’s natural resources is eliminating the possibility of people in the majority world achieving the same levels of income as people in high-income countries.

Photo by Alexander Grey on Unsplash  

If the problems of the hegemony of growth are obvious, what is creating a “growth trap” so hard to escape?

In today’s economy money is primarily created through the issuance of loans by the private banking sector. Most of the money circulating in the economy is created by private banks. When a person gets a mortgage to buy a new home, the bank creates a deposit account with an equivalent amount of money in the ledger (no new money is printed).  However, this deposit is equivalent to other types of money, in fact over 99% of total transactions by value in the UK are bank deposits! Only a fraction of the money is physical cash created by the state.

The problem with this type of money production is that we need to maintain a high level of loans to have money circulating in the economy. Understanding how money is created in the modern economy, and the role of debt in the process of money creation, helps to understand one of the key obstacles to escaping the hegemony of growth.

At the individual level, dept economy means that people must constantly work more than they consume, to be able to pay back their loans. Having a shorter working week, and earning less, is not an option if one needs to pay back a home mortgage or student loan. It is difficult to reduce private debt in the absence of growth.

Likewise, in the non-growing economy, the country governments struggle to pay down their public debt and may need to cut spending on education, health care or other social services. Particularly low and middle-income countries, with large debts issued in foreign currency, are often unable to invest in public infrastructure without taking more loans. 

In the worst case to manage their loan payments to international creditors, they must resort to privatising the state assets such as electricity production or drinking water, exposing these “public goods” under speculation of private markets, and making them too expensive to most of the people in the country.

If all loans would be paid back, there would not be money in the economy.

Dept drives growth, which in turn is necessary to avoid financial crises. High levels of public debt mean that growth is the only option to manage the loan without hurting the people living in the country. Likewise, high levels of private debt mean that people have no option other than to continue to contribute their labour to the growth economy.

However, in the current financial system, private banks continue to issue new loans for profit, without any consideration of whether these loans contribute to the economy operating within planetary boundaries or advance equality and social justice.

And while banks and asset mangers cash in profits, the circle of more debt and demands for more  growth goes on and on and on….

References

Escaping Growth Dependency – Why reforming money will reduce the need to pursue economic growth at any cost to the environment by PositiveMoney

https://positivemoney.org/publications/escaping-growth-dependency/

Sovereign Money - An Introduction by Ben Dyson, Graham Hodgson and Frank van Lerven

https://www.insearchofsteadystate.org/downloads/Sovereign-Money,-An-Introduction-Dyson-Positive-Money-2016.pdf

[waterspinachdith]

XIE XIE! WO AI NI BERTHA <3

With a population of over 1.3 billion people, China is a vast country. This number is so huge that China once tightened the police for one family with one child to make it simpler to control its population. However, the police have been violated numerous times by the public; the crucial thing is that the administration is unaware. This social credit system is an idea that has been around since the advent of surveillance and security technology. The design of a large-scale surveillance technology system that contains a large amount of data on each citizen, on the other hand, is unique. In comparison, the United States has a population of around 400 million people. 

The social credit system in China is a programme that comprises several databases around the country and allows the government to monitor and analyse the trustworthiness of individual residents, businesses, and government entities. Each will be assigned a credit score, with prizes for those with good scores and penalties for those with low scores. The majority of these data sources will be derived from traditional sources, such as financial data, crime, royal records, and registration records. Data from other sources, such as online credit systems, are also used.

Other data, such as video surveillance and data deemed necessary, such as data on their work. Last year, they also touted the sophistication of their surveillance technologies. For example, in Beijing, a facial recognition system will be installed in public transportation. Bags larger than A4 size will be searched, making it easier for police officers to identify offenders attempting to flee on public transportation.

If you've ever watched the Netflix dystopian sci-fi series Black Mirror, one of the episodes that became a term was the Nosedive episode. We can see how the community in the story values one another in this episode. A high social score allows you to purchase luxury mansions and obtain bank loans, yet a low score will land you in jail. 

The concept of the alleged social credit system is similar to that of the previously described Black Mirror series. According to media sources, persons with a high social credit score will find it simpler to obtain loans and other benefits such as health insurance, deposit exemptions, and the ability to rent public housing. Another example for persons with a low credit score: they are not permitted to purchase public transportation tickets, including airline tickets that are higher than economy class. When we refer to 'them,' we also include lay authorities. This means that if a layperson is having difficulties at work, his or her use of bills at golf clubs and nightclubs may be restricted. Likewise, while purchasing or customizing a home.

I don't like this system (:

This will be the last post from me to you Bertha, thank you.

wo ai ni men (Bertha and Lee ZiI Jia)

[pricemint]

How to Get the Best Personal Loan Offers in India

Introduction

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

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

Benefits:

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

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

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

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

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

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

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

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

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

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

How to Get the Best Personal Loan in a Minute –

Step 1: Select Your Employment Type

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

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

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

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

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

Step 2: Your Monthly Salary

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

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

Step 3: Choose Your Primary Bank Account

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

Step 4: Provide Your Employment/Company Name

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

Step 5: What’s Your Residence Type?

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

Owned by You/Spouse

Owned by Parents

Rented with Family

Rented and Stay Alone

Company Provided

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

Step 6: Enter Your Current Residence City or Town

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

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

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

Under 1 Lakh

2/4 Lakh

5/9 Lakh

10 Lakh And Above

This wide range provides the

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

Final Step – Enter Your Personal Details

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

Your Name

Your Email Address

Your Phone Number

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

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

Conclusion

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

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

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

[commandervamps]

Home Loan Refinance: Simple

Basics of Home Loans

Three crucial bits of knowledge for getting and keeping a home loan incorporate the application, rates, and repayment propensities.

Home Loan Application Cycle - Finishing up home loan applications can be tedious, and excessively detailed. Prior to starting, get yourself coordinated by finding all of the administrative work you should finish your application. Once you have everything found and before you, you'll find the application interaction to go without a hitch.

Rates Change - Watch out for home loan rates for significant changes, particularly changes of the downward rendition. Refinancing is reasonable in contrast with how much cash you can save assuming you get the right low interest home loan. Fostering a decent connection with your mortgage broker might bring about the person in question calling you when the rates drop!

On Time Payments - There isn't anything that can damage or help your credit rating more than your payment propensities on your home loan. Make payments on time and your credit score will raise rapidly. On the other hand, pay late and you'll do long haul harm that is hard to fix.

Speedy Home Mortgages On the web - Safe

For what reason would it be advisable for you to search for home mortgages on the web?

1) Get mortgage statements from a legitimate lender and your data will be secure. Don't check with each unheard-of mortgage organization on the web, stay with names you can trust, as their internet based security will be first class.

2) Quick Handling - Mortgage organizations who operate online aren't limited by a similar home loan processes as huge neighborhood banks, and can deal with applications quicker.

3) Low Rates - With such countless lenders from which to look over, online mortgage brokers and home loan experts will undoubtedly find a program that is ideal for your budget and home loan needs.

How to Analyze Various Home Loans

You've heard the colloquialism "You can't make an invalid comparison", correct? While you're looking for a home loan, you need to make examinations among similar kinds of loans. At the point when you look at a 30 year fixed home loan with 7% interest to an adjustable rate mortgage with 3.2% interest, you're contrasting one type with a totally different type unless you know the particulars to each kind of loan.

[persofina]

Why You Should Use a Personal Loan to Pay Down Debt

The average American with credit card debt carries a balance of approximately $6,354, according to USA Today. But the news is even worse in some states like Alaska, New Mexico, and Louisiana, according to an analysis of credit card debt from creditcards.com. Consumers in these three states carried an average of $10,685, $8,323, and $8,110 in credit card debt, respectively, as of 2017. This is unfortunate, but it's not completely unexpected. It's easy to lean too hard on a credit card when you face a job loss or a loss in income, and high interest rates don't help matters much. The average credit card today carries an APR of well over 17%. With so much interest charged on revolving credit card debt, it's difficult to make a dent in the principal of your balance. This often leaves people languishing in debt for years, and even racking up more debt over time. Consumers use many strategies to get out of debt, one of which involves applying for balance transfer cards. With a balance transfer card, you qualify for 0% APR for a limited time — usually 12 to 21 months. However, you're normally required to pay a balance transfer fee of 3% or 5% of your balance, and the introductory offer won't last forever. Some people use balance transfer cards to successfully pay down debt at 0% APR, but others simply make the minimum payments and never make real progress against their debts. Those consumers usually end up exactly where they started once their card's introductory offer ends — with plenty of debt and a crushing APR. There may be a better, more predictable way out of debt, however, and it involves a personal loan. (See also: 5 Times Personal Loans May Be Better than Credit Cards) How a personal loan can help you climb out of debt Applying for a new loan to work your way out of debt may go against the grain of common sense, but there are plenty of reasons a personal loan can work. For starters, personal loans come with low fixed interest rates that never change — even as low as 4.9% APR for consumers with good credit. Second, personal loans have fixed repayment schedules that tell you exactly when you'll become debt-free. Because personal loans have fixed rates and fixed repayment terms, you also have a fixed monthly payment that stays the same. This is much different from the way credit cards work since your payment will change based on your APR and how much you owe. With a personal loan to pay down debt, you know exactly what you're getting into. You know how much you'll need to pay each month, when your loan will be paid off, and what your interest rate will be the entire time. The best part is, a personal loan is not a line of credit you can borrow against. So once you use your loan proceeds to pay off and consolidate your credit card bills, you won't have the option to use your loan to rack up more debt. (See also: 10 Things You Need to Know Before Taking Out a Personal Loan) How to do it the right way If your goal is getting out of debt this year, a personal loan could be exactly what you need. But you'll be in the best position to help yourself if you go about repayment the right way. Compare personal loan offers Personal loans are offered by large financial institutions like banks and credit unions as well as several online lenders. Because there are so many options to get a personal loan, your first step is shopping around to compare offers in terms of their interest rates and fees. The best personal loans come without an origination fee, any application fees, or hidden fees. If you want to shop around among multiple lenders in one place, you can also check out LendingTree. This website lets you fill out a single loan application and get offers from multiple banks and lenders in one place. (See also: 5 Personal Loan Fees You Should Never, Ever Pay) Find your best match now with this handy comparison tool. Select the type of loan you’re looking for, the amount, your credit rating and state, to… http://dlvr.it/T3qJvs As seen on Wisebread.comsincerely yours Persofina: Personal Finance Hacks

[beardedmrbean]

Savon Sanomat was among the papers carrying an STT news agency report that one in two Finnish mortgage borrowers has reduced spending on daily expenses or switched to buying more affordable products due to rising prices and interest rates.

The figure is from a survey released by Danske Bank which also showed that about half have had to reduce expenditure on non-essential consumption, such as clothing purchases and restaurant meals.

"Some households have been disproportionately affected by the rise in prices and interest rates. In the big picture, however, Finnish mortgage borrowers are doing well. Although reducing everyday expenses is currently a common topic of conversation, according to the study, it affects only every second Finnish mortgage debtor," Sari Takala, Danske Bank's head of personal loan services is quoted as saying in a release.

Conducted by YouGov Finland, the survey asked respondents how they had adjusted their spending.

A quarter said that they have not had to make any changes in their finances due to rising interest rates or prices. Ten percent said that they have had to postpone the payment of some other bills. Eight percent answered that they had to rely on financial help from family members. Six percent had had to take out a new loan.

"It's good to remember that everyone has their own, personal level of inflation. If there is no room for manoeuvre in your own finances, you should find out from your bank whether, for example, an extension of the loan period or a repayment holiday would help the situation," Takala said.

Hypermarkets to the rescue?

Helsingin Sanomat looks at the possibility of hypermarkets revitalising the capital's city centre.

It notes that the idea has proven to be successful in Tampere where a Prisma hypermarket is doing well after replacing a downtown department store.

Mika Sivula, the southern Finland regional manager for Kesko, a company with about 1,800 stores in Finland and abroad, told the paper that he believes that there would be sufficient demand for a selection of hypermarkets in the centre of Helsinki.

"But the problem is that it is very challenging to find large enough business premises in the densely built-up centre," he pointed out.

One of Kesko's K-citymarkets would require nearly 10,000 square metres of retail space, preferably all under one roof. In addition, transportation connections, and access by private car, would be a key factor. In this context, HS notes the issue of frequent street works in the city centre.

City officials do not object to the idea. Helsinki's director for urban environment, Ville Lehmuskoski, told the paper, "If there's a demand for it and it's a service that's wanted, the city will try to make it easier."

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Finland's high Covid death rate

Ilta-Sanomat reports that WHO figures show Finland to have registered the largest number of Covid deaths per one million inhabitants in Europe over the past 12 months.

Lasse Lehtonen, director of diagnostics at the Helsinki Universitry Hospital HUS, pointed out that the WHO collects statistical data from every country in the same way, with all persons who tested positive for coronavirus infections who have died within 30 days of infection being counted as Covid deaths.

Lehtonen considers WHO's statistical method "rough and simple", but the best available to make global comparisons.

"It is not the truth, above all it describes variations among the countries," Lehtonen said. "It does not measure the absolute number of coronavirus deaths, but how different countries rank in relation to each other."

The method used by Finland's Institute of Health and Welfare (THL) is based on a screening of death certificates which specify the coronavirus as the actual cause of death, or when it is recorded as a contributing factor.

Over the past year, more than 3,000 deaths from coronavirus infections have been recorded in Finland, which put the country at the top of the per capita list in Europe.

The overall total number of deaths attributed to coronavirus in Finland exceeded 10,000 at the beginning of July 2023. The total number in Finland is now clearly higher than in Norway and Denmark, which are roughly the same size in terms of population, but also clearly more densely populated.

Still cold, still wet

Iltalehti told readers that the latest monthly weather forecast calls for colder than usual weather for the first two full weeks of November.

Temperatures are expected to be about 1 to 3 degrees Celsius cooler than usual in large parts of the country. In southern Finland, temperatures will be more or less normal for the time of year.

Next week, starting 6 November, more rain than usual is likely to be seen in the south and in areas in the east.

"Unusually rainy weather can be expected in the southern and eastern parts of the country, while in the north precipitation should be less than average," the paper quotes Foreca meteorologist Joonas Koskela as saying.

The week starting 13 November, almost the entire country will see more precipitation than usual. The weather during the week starting 20 November is expected to bring average seasonal temperatures and precipitation.

There are signs that the final week of the month will again be warmer than average.

[tacticalvalor]

«────── « HEADCANON » ──────»

Hi, I have no life (joke). Anyway, with the updates to Laverne's canon I've made (and still need to add to her bio)... I decided to re-calculate her net worth.

Unfortunately, she is not making the Top 10 Richest People in the World list 😔 But that doesn't mean her worth isn't impressive!

So, below the cut you will find the breakdown of assets and liabilities. But first, here's a breakdown of what exactly constitutes into calculating a person's net worth:

Net worth is the value of the assets a person or corporation owns, minus the liabilities they owe.

An asset is anything owned that has monetary value, while liabilities are obligations that deplete resources, such as loans, accounts payable (AP), and mortgages.

This would include properties (homes, businesses, vehicles) and most material goods, as well as daily business fees. Which in GTA... are very cheap in comparison to the cost of assets.

It's also important to note this is an approximation!

Some vehicles aren't available, some were free and the market cost was estimated (re: base value + suggested sell price post-upgrade), property upgrades and renovations varied, the fees are paid daily, and I had to find online articles with the prices...

There was an attempt, and we did get an answer:

$81.3 million USD (exact number: $81,322,316 USD)

And now, the breakdown.

PROPERTIES / BUSINESSES

2045 N. Conker Avenue Stilt Apartment -> $727,000

Del Perro Heights, 4 -> $468,000

Maze Bank Tower Office -> $7,800,000

Paleto Forest Bunker -> $2,480,000

Paleto Bay Facility -> $2,806,000

LSIA Hangar A17 -> $3,147,500

Downtown Vinewood Nightclub -> $7,469,850

Videogeddon (La Mesa) -> $10,082,500

Diamond Casino Penthouse -> $6,472,000

Cargo Warehouse -> $902,000

Vehicle Warehouse -> $1,500,000

Document Forgery -> $1,762,000

Counterfeit Cash -> $2,454,000

Cocaine Lockup -> $2,870,000

TOTAL: $50,940,850

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

CLOTHING (ACCOUNTS FOR CANON OUTFITS; NOT ALL INCLUDED DUE TO LOSS OF OUTFIT/CHANGED CANON)

Outfit 1 -> $54,732

Black Corset -> $13,940

Classic Turnups -> $15.060

Black Catsuit Heels -> $3,020

Pewter Aviators -> $3,660

Platinum Pretzel Chain -> $9,252

Black Gold Diamond Studs -> $6,450

Carbon Anna Rex Prestige Watch -> $3,350

Outfit 2 -> $43,062

Black Corset -> $13,940

Deco Sequin Mini Skirt -> $1,425

Black Patent Heels -> $2,395

Platinum Pretzel Chain -> $9,252

Platinum Diamond Studs -> $8,950

Silver Le Chien Marquise Watch -> $7,100

Outfit 3 -> $6,680

Cream Blazer -> $1,400

Black Turtleneck -> $1100

Cream Slacks -> $1,660

Black Patent Heels -> $2,395

Silver Deco Earrings -> $125

Outfit 4 -> $8,435

Blue Suede Blazer -> $1,750

Black Turtleneck -> $1100

Blue Slacks -> $1,990

Black Patent Heels -> $2,395

Gray Earpiece -> $1,200

Outfit 5 -> $39,085

Positive Cimicino Sun Dress -> $27,650

Black Patent Heels -> $2,395

Gray Earpiece -> $1,200

Black Mademoiselle Glasses -> $740

Silver Le Chien Marquise Watch -> $7,100

Outfit 6 -> $36,900

Ice Corset -> $13,820

Faded Classic Turnups -> $14,280

White Dipped Patent Heels -> $500

Gray Earpiece -> $1,200

Marble Mademoiselle Glasses -> UNK / $0

Silver Le Chien Marquise Watch -> $7,100

Outfit 7 -> $555

Black Bikini Top -> $325

Black Bikini Bottoms -> $230

Outfit 8 -> $24,090

Santos 13 Cropped Tank -> $130

Black Snap Joggers -> $4,850

Black S Slab Canvas Sneakers -> $8,670

Pewter Aviators -> $3,660

Beat Off White Headphones -> $0

Lime iFruit Snap Watch -> $6,780

Outfit 9 -> $30,075

Black Mini Dress -> $14,500

Black Patent Heels -> $2,395

Platinum Waterfall Earrings -> $10,600

Black Fufu Jeunesse Watch -> $2,580

Long Black Gloves -> UNK. / $0

Outfit 10 -> $52,185

Royal Blue Mini Dress -> $12.920

Black Patent Heels -> $2,395

Platinum Waterfall Earrings -> $10,600

Silver Anna Rex Prestige Watch -> $3,350

Mono Chain Bracelet -> $22,920

Outfit 11 -> $77,515

Springs High Roller Dress -> $45,750

Black Patent Heels -> $2,395

Black Gold Diamond Studs -> $6,450

Mono Chain Bracelet -> $22,920

TOTAL: $373,314

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

VEHICLES (ACCOUNTS FOR CANON VEHICLES)

Galaxy Super Yacht -> $8,840,000

Kosatka Submarine -> $9,085,000

Bravado Greenwood -> 1,098,750 + 144,975 = $1,243,725

Obey 9F Cabrio -> 130,000 + 231,325 = $361,325

Bravado Banshee -> 126,000 + 223,387 = $349,387

Dinka Double-T -> $85,815

Coil Cyclone -> + $2,020,757

Paragon R (Armored) -> $905,000

Terrobyte -> $3,459,000

TOTAL: $25,988,684

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

ACCOUNT BALANCE (TIME OF CALCULATION) -> $4,031,463

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

APPROXIMATION OF OBLIGATIONS / FEES

Apartments -> $150

Facility -> $300

Penthouse -> $500

Yacht -> $500

Submarine -> $150

Office -> $250

Cargo Warehouse -> $25

Bunker -> $4,500

Hangar -> $250

Nightclub -> $500

Arcade -> $250

Document Forgery -> $1,500

Counterfeit Cash -> $3000

Mechanic Fees -> $120

TOTAL: $11,995

━━━━━━━━━━━━━━━━━━━━━━━━━━━━

81,334,311 - 11,995 EQUALS... $81,322,316

[classicquid]

A Real Helper in the Financial Crisis: Short Term Loans UK

If you meet the aforementioned requirements, you can still apply for short term loans UK even if you have a poor credit history due to defaults, arrears, foreclosure, missed or late payments, CCJs, IVAs, payment overdoes, skipping installments, or even bankruptcy. However, you are needed to repay the loan within the allotted time frame.

People who are living as paying guests or who don't have any assets to pledge can nevertheless benefit from rapid loans for benefit recipients. They are described as short term loans UK in this instance and you can apply for a loan without putting up any security. However, they remember that they must return the money in the shortest amount of time. In comparison to other financial products, the interest rate charged is a little high due to the short duration and unsecured nature of the product.

Payday loans UK can be applied for instantly online. To get the money granted, you must first choose the best loan option, complete a brief online application, and supply all necessary information. The short term loans direct lenders is securely sent into your bank account after loan approval. The list of things you can do with the money you earn includes paying for medical bills, power, groceries, home rentals, unexpected auto repairs, vacation costs, child's school or tuition fees, little home modifications, holding a party to honor your birthday, wedding costs, and so on.

Short Term Loans UK Direct Lender Extension

The short payback time is often the most problematic aspect of a short term loans UK direct lender for borrowers. Not everyone is eligible for the maximum time frame allowed, and even for those who are, it is occasionally impossible to repay the money in a timely manner. Lenders can assist you in this circumstance by extending your loan term or refinancing it under a new credit agreement. A loan extension is exactly what it sounds like: you agree to an extension of time to repay the loan. Naturally, this also implies that interest will keep accruing, raising the total amount you have to pay.

Why do people get so angry when unexpected surplus expenses occur? The reason is that because they don't save more money, they can have a lot of problems in the future. Short term loans UK are the sole option and the only true assistance in financial emergencies if it is necessary to take out a loan to cover all unexpected obligations. Every impaired person has access to this product at anytime, anyplace.

This is due to the fact that those who are severely suffering from physical or mental conditions are able to access additional funding through the aforementioned loan. Short term cash loans are typically provided to anyone who is reliant on social security benefits (DSS).

Additionally, there are standard eligibility requirements that must be met, including being a permanent citizen of the United Kingdom, residing in the same place for the previous 12 months, being at least 18 years old, maintaining an active checking account, and receiving DSS benefits.

[caprioansindia]

Maximizing Your Gold Loan: Tips to Get the Best Per Gram Rate

Gold loans have become one of the most accessible and convenient ways to secure funds quickly. Whether you need money for personal use, a business venture, or an emergency, pledging your gold can be a quick solution. However, to ensure you’re getting the most out of your gold loan, it’s essential to understand how to maximize the per gram rate lenders offer. In this guide, we’ll walk through the factors that determine gold loan rates and offer practical tips on how you can get the best deal.

Understanding How Gold Loan Rates Are Determined

Before diving into how you can maximize your gold loan, it's important to understand how lenders determine the per gram rate for your gold. Financial institutions like banks and non-banking financial companies (NBFCs) assess multiple factors to determine how much loan value they can offer.

Factors Affecting Gold Loan Per Gram Rates

Gold Purity: The purity of your gold significantly impacts the per gram rate you will receive. Higher purity gold, such as 22K or 24K, is more valuable and will fetch a better rate than lower purity gold.

Market Gold Price: The global and national gold market prices play a crucial role. When market prices are high, lenders typically offer higher loan amounts per gram.

Lender’s Margin: Financial institutions add a margin to account for fluctuations in gold prices, and this margin reduces the actual loan value offered.

Loan-to-Value (LTV) Ratio: Regulatory bodies like the Reserve Bank of India (RBI) set a maximum LTV ratio, which determines the percentage of the gold’s value that can be offered as a loan.

Tips to Maximize Your Gold Loan Per Gram Rate

Once you understand how lenders determine the rate, you can start applying strategies to ensure you get the highest value for your gold.

Compare Offers from Different Lenders

One of the most effective ways to get a good deal is to compare loan rates from different lenders. Banks, NBFCs, and cooperative banks each offer different loan-to-value ratios and interest rates. Online comparison tools can help you easily compare the rates different institutions offer, ensuring you choose the best one for your needs.

Monitor Gold Prices

Gold prices fluctuate based on market conditions, so it's important to time your loan carefully. If you can pledge your gold when market prices are high, you’ll get a better per gram rate. Use online tools to track gold prices and consider waiting for a spike in value if your loan isn't urgent.

Choose High-Purity Gold

To get the best per gram rate, it’s crucial to pledge high-purity gold, such as 22K or 24K. Jewelry with a lower purity level will fetch a lower loan value, as lenders base their rates on the percentage of pure gold. Additionally, avoid pledging gold with stones or other materials, as the lender will exclude these from the total weight when calculating your loan.

Negotiate Interest Rates and Fees

Although lenders often have standard loan terms, there’s always room for negotiation, especially if you have a strong relationship with your bank or lender. Lowering the interest rate or negotiating processing fees can effectively increase the value you receive per gram of gold.

The Role of Loan-to-Value (LTV) in Gold Loans

The Loan-to-Value ratio (LTV) plays a crucial role in determining the maximum loan amount you can receive against your gold. Most lenders offer up to 75% of the gold’s market value, as per the RBI guidelines. However, some lenders may offer lower LTV ratios with the benefit of a lower interest rate.

A higher LTV means a higher loan amount, but often at the cost of a higher interest rate. On the other hand, a lower LTV may lead to a more favorable repayment structure, allowing you to manage the loan more easily.

Understanding Gold Purity and Its Impact on Loan Rates

The purity and weight of your gold are key determinants in the loan amount you’ll be offered.

How Gold Purity Affects Valuation

Lenders assess the purity of gold before deciding the per gram rate. The purer the gold (22K or 24K), the higher the loan amount you can expect. If your gold contains other elements like stones or mixed metals, the lender will deduct these from the total weight, reducing the value.

The Impact of Gold Weight on Loan Amount

While gold purity is essential, the weight of your gold also directly impacts the loan amount. More gold pledged means a larger loan, but it’s important to ensure that the gold is assessed for its pure weight, without any extraneous materials attached.

The Importance of Gold Loan Interest Rates

Interest rates are a significant factor in determining the overall value you receive from your gold loan. Even if you secure a high per gram rate, a high-interest rate can reduce the effective value of your loan. That’s why it’s crucial to negotiate for a lower interest rate and pay close attention to the loan terms before signing an agreement.

Key Considerations When Choosing a Lender

Not all lenders are created equal, and it’s important to weigh the pros and cons of different financial institutions:

Banks: Nationalized and private banks typically offer more stability and lower interest rates, but the loan processing may take longer.

NBFCs: Non-banking financial companies (NBFCs) offer quicker processing times and often provide higher LTV ratios, but they may charge higher interest rates.

Cooperative Banks: These institutions may offer favorable interest rates and lower fees, but the processing time could be slower.

Each lender has different offerings, and the right choice depends on how urgent the loan is and your preferred terms.

Conclusion

Maximizing the per gram rate for your gold loan requires careful planning and strategic decision-making. By comparing offers, monitoring gold prices, choosing high-purity gold, and negotiating loan terms, you can ensure that you get the best possible value for your gold. Whether you choose a bank, NBFC, or cooperative society, making informed decisions will help you get the most out of your gold loan.

[kriti2024]

In the fast-paced world of business, having access to sufficient working capital is crucial for maintaining smooth operations, meeting short-term obligations, and driving growth. Whether you need to purchase inventory, manage cash flow, or cover unexpected expenses, a working capital loan can provide the financial support your business needs. The good news is that applying for a working capital loan online has never been easier.

What is a Working Capital Loan?

A working capital loan is a type of financing specifically designed to help businesses manage their day-to-day operational expenses. Unlike loans used for purchasing long-term assets or investments, working capital loans are intended for short-term financial needs. They can be used for various purposes, such as:

Purchasing Inventory: Ensuring you have enough stock to meet customer demand.

Covering Payroll: Making sure your employees are paid on time.

Managing Cash Flow: Bridging the gap between receivables and payables.

Paying Rent and Utilities: Keeping your business premises operational.

Handling Unforeseen Expenses: Addressing unexpected costs that arise.

Why Apply for a Working Capital Loan Online?

Applying for a working capital loan online offers several advantages:

Convenience: You can apply from the comfort of your home or office without needing to visit a bank or financial institution in person.

Speed: Online applications are processed quickly, often within hours or days, ensuring that you get the funds you need promptly.

Easy Comparison: The online platform allows you to compare different lenders and loan options, helping you find the best deal that suits your business needs.

Flexible Terms: Many online lenders offer flexible repayment terms and customized loan amounts, giving you greater control over your finances.

Paperless Process: The entire application process can be completed digitally, reducing paperwork and streamlining the approval process.

Steps to Apply for a Working Capital Loan Online

Applying for a working capital loan online is a straightforward process. Here’s a step-by-step guide to help you get started:

Assess Your Business Needs: Before applying, determine how much working capital your business requires and how you plan to use it. This will help you choose the right loan amount and repayment terms.

Research Lenders: Look for reputable online lenders that offer working capital loans. Compare interest rates, loan terms, and eligibility criteria to find the best option for your business.

Check Eligibility: Most lenders have specific eligibility requirements, such as a minimum annual revenue, time in business, and credit score. Make sure your business meets these criteria before applying.

Prepare Required Documents: Gather the necessary documents, such as your business registration, financial statements, bank statements, and tax returns. Having these ready will speed up the application process.

Fill Out the Application: Visit the lender’s website and complete the online application form. You’ll need to provide details about your business, the loan amount you’re requesting, and how you plan to use the funds.

Submit Your Application: After reviewing your application, submit it along with the required documents. Some lenders may require additional information or verification.

Wait for Approval: Online lenders typically process applications quickly. You may receive a decision within a few hours or days. If approved, the loan amount will be disbursed directly to your business account.

Use Funds Wisely: Once you receive the loan, use the funds for the intended purpose, whether it’s purchasing inventory, covering payroll, or managing cash flow. Make sure to stick to your repayment schedule to maintain a positive relationship with the lender.

Benefits of a Working Capital Loan

Maintaining Business Operations: A working capital loan ensures that your business continues to operate smoothly, even during cash flow challenges.

Flexibility: Use the funds for a variety of short-term needs without restrictions.

Quick Access to Funds: Online lenders offer fast approval and disbursement, providing timely financial support.

Build Credit: Repaying your loan on time can help build your business credit, making it easier to secure future financing.

Conclusion

A working capital loan is a vital financial tool that helps businesses manage their short-term needs and maintain operational stability. By business working capital loans online, you can quickly access the funds you need to keep your business running smoothly. With the convenience, speed, and flexibility offered by online lenders, securing a working capital loan has never been easier. Whether you’re looking to cover payroll, purchase inventory, or manage cash flow, a working capital loan can provide the support your business needs to thrive.

[donaldgose]

PNC Business Loans vs Other Banks: A Simple Comparison

Flexible Loan Options for Businesses

PNC Bank offers flexible loans for businesses. These loans help business owners grow. Whether it’s for new equipment or working capital, PNC has options. They provide both short-term and long-term loans. This flexibility can suit many business needs. Some business owners prefer loans that match their cash flow. PNC allows you to customize loan terms. This makes it easier to find the right solution. Other banks may not offer the same level of flexibility, which sets PNC apart.

Competitive Interest Rates

Interest rates are key when comparing business loans. PNC offers competitive rates, which can save businesses money. For example, a lower rate means paying less over time. Other banks may have higher rates or more fees. Some business owners have shared experiences where PNC saved them thousands in interest. PNC’s rates vary based on the loan type and credit score. However, many users find them reasonable. In comparison to other banks, PNC often ranks well for its fair rates.

Easy Application Process

Applying for a loan can be stressful. Many business owners worry about the paperwork. PNC Bank makes the application process simple. You can apply online or in person. The bank provides clear instructions and support. Other banks may have longer, more complex forms. Some users have shared that they chose PNC because the process felt less overwhelming. Speed also matters, and PNC is known for quick approvals. Getting a loan faster can help businesses seize opportunities sooner.

Tailored Support for Growing Businesses

PNC offers personalized support for businesses. Many banks provide generic advice. PNC, however, takes the time to understand your business. Business owners have shared stories about how PNC’s advisors helped them choose the right loan. This personal touch is helpful for smaller businesses that need guidance. Not all banks provide this level of care. PNC’s tailored approach sets it apart from other banks. This support helps businesses make informed decisions.

More Loan Choices Than Some Competitors

PNC offers a wide range of loan options. These include equipment loans, lines of credit, and SBA loans. Having choices is important for business owners. Some banks only offer one or two types of loans. For example, a small business may need a line of credit instead of a traditional loan. PNC’s variety allows businesses to find the right fit. This broad selection makes PNC a preferred choice for many entrepreneurs looking for the right loan solution.