#personal loan in minutes

[answermywearyquery]

great 😳 + dr. tyme's large equipment 😏

[philcoulsonismyhero]

I keep getting rejected from conventions that I've been doing for multiple years this year and I heard on Friday that I didn't get Scotland Comic Con, which I've relied on for the last two years to be able to pay my fucking rent over the winter when there's no events, and it makes me want to scream because what the fuck am I supposed to do about it?? I'm making new stuff reasonably regularly, I make really good sales when I get into cons, I go out of my way to be reliable and show up on time and do everything they want exhibitors to do, and it's just flat rejection after flat rejection, sometimes without even the courtesy of a spot on a waiting list or a cursory 'sorry, we got a lot of applicants and we've got limited space'.

I don't know what I'm doing wrong, I don't think I even am doing anything wrong, I'm just getting repeatedly fucked over by event organisers who just see me as a way of increasing their own ticket sales rather than a human being trying to make a living.

And, like, part of me gets that I've been doing this for a while and folks who are new to it deserve a chance to get a foot in the door, but my ability to be charitable runs out when the biggest convention in the country decides no, we don't have enough room in our fuck-off huge venue for everyone so bye, fuck you, that ~15% of your yearly income that you rely on making at this con is just going up in smoke.

I like doing conventions, I'm good at it and it's fun, but it's getting Really Fucking Stressful to have my ability to eat and pay bills decided increasingly arbitrarily by the same five events companies who don't seem to give the slightest shit about anyone.

And I don't know what to do about it because the reason I'm doing this is because I'm too fucking autistic to get a real job, and I got kicked to the kerb by the benefits lot a few years ago because that system's fucking broken too, and the more effort I put in the less work I seem to actually get and frankly I want to fucking break something

[isfjmel-phleg]

These poor, poor students who submit interlibrary loan requests and put in the comments that they need it by next week. I hate letting them down, but that's just impossible. Especially if they're at one of our distance campuses, and we have to wait a couple weeks for a lender to send it to us so we can then send it to the student. It's sweet of them to apparently think we can teleport books, but regrettably the technology just isn't there yet.

[ohhtobeagooner]

get ready for my next post after that poll

[lilgynt]

went to that horror thing at that dudes house - it was fine and i had fun but it was just a groups of older white dudes and what comes from that like mostly fun! but watch out

[faeriekit]

"Okay." Danny slowly laid the already cold body back onto the table, ready to slide back it into the refuge of cold storage. "Okay. Dead guy. Stay there."

The body didn't move.

"Fantastic. Now. Hang out while I pour the embalming fluid into the pump, alright? It should only be a minute."

And it usually did; working in a funeral home wasn't extremely glamorous, but it paid the bills, and Danny had already been used to the rhyme and rhythm of negotiating death with the public by the time he sent in his mortuary school application. It had been a transition that made sense. And in the end, the degree had only cost him a few extra years post-graduation and a little dig into student loans, and now Danny had a stable 12-8 job and health insurance valid in the state of new jersey.

Today, though, the pump had that decided enough was enough. With a bang and a boom, the pump spat out a cloud of smoke and clunked uncomfortably.

The dead body sat up.

Danny scrambled over to push it back down. "No. We talked about this. Dead people don't move. If you want to stay here and have me put you back together all the time, you have to stay put. Got it?"

Whatever the weird gold-eye corpses were on in Gotham, they at least listened to him on occasion. They weren't ghosts, per se— they never pinged on any of the ghost detection devices Mom and Dad had packed in his going-away-to-college bag— but they were, despite being occasionally animate, perfectly deceased.

Weird. Danny had never gotten used to it. Still, they came in droves, too eager to sit on the top of the basement stairwell and lurk in the corners and stare endlessly at them with their weird, avian eyes, and sometimes they heralded the arrival similarly weird-ass bodies that had lost their heads or their arms or their limbs through the more conventional channels.

"I'm losing too much thread to all y'all coming in all the time," Danny complained to the dead body, who, at the moment, was the only person present to blame. "Stop getting your limbs cut off. This stuff is expensive, you know. It's a specialty order."

The body didn't even have the courtesy to blink. Rude.

"At least let them bury you this time. Every time one of you darts off when my back's turned, my boss thinks I'm stealing corpses. My coworkers think I'm building my own Frankenstein or something."

The corpse neither verbalized nor blinked, but Danny hadn't expected it to; with a sigh, he rolled the corpse back into cold storage, locked its little door (not that locking it in had ever stopped it) and called it quits for the night.

It's not like anyone was paying him for the extra hours anyway.

The whole fic on ao3

[suguann]

tags. fem!reader, boss/employee relationship, stupidly domestic, little wife kink in there somewhere, nanny reader, single dad gojo, breeding kink [18+ only]

You sometimes find yourself wistfully imagining having a family of your own—a soft and sweet little bundle to cuddle and someone strong and capable (competent) at your side. But you can’t think of the last time you’ve been on a date where that person had the same interest in something more serious than casually sleeping around. 

Nannying seemed like the natural conclusion, especially when you’re still settling in a new city and barely scraping by for rent and student loans for a degree you don’t use. 

You pick up a few jobs just to get a feel for it: parents going away for a honeymoon, a last-minute call-in, a weekend business trip. Then a friend of a friend says she makes enough to afford one of those picturesque apartments that overlook tall high-rises and iridescent lights, the very ones you’ve dog-eared in real-estate magazines.

All it takes are a few phone calls and an interview until you’re packing up your apartment and taking the freeway outside of the city to somewhere remote and expensive, your car looking almost out of place parked beside the shiny new one in the long driveway.

You rap on the front door before you lose your nerve, and a few moments later, it opens, and you’re unsure who looks more out of place: this man with a smile too big, dressed for work, immaculate suit dampened by the baby rag slung over his shoulder and what looks like drool on his crisp collar, or you in your scuffed shoes and second-hand store clothes, standing in front of the nicest house you’ve ever seen.

“The nanny?”

“Yes,” you mutter, licking your lips. “That’s me.”

“Good, Ren just woke up from his nap,” he says, opening the door a little wider with a creak. The darkness behind him is almost comforting.

You take a deep breath and pass over the threshold into his home.

The entire time, his hand stays on the small of your back to steer you toward the nursery, and a shiver threatens up the length of your spine.

Three months. That’s how long it takes before your employer poses a problem.

It’s not that he’s a terrible boss; in fact, he’s quite the opposite. He lets you take over one of the many spare rooms in his massive house, pays you double the regular rate, and gives you time off when you ask for it.

It also helps that Ren is cute, only a year old, and still so sweet and tiny. 

Perfect.

The problem lies in that you know what he sounds like first thing in the morning, that he knows how you like your coffee, that he helps you fold laundry in the living room while the baby naps, how you catch him staring anytime you hold his son—his expression shuttered, a foreign thing that you can’t read. It’s all so terribly domestic. 

Terrible in that you think it’s a horrible idea to develop a crush on your boss, that you can’t help but get flustered anytime he so much as looks your way, even if it’s fleeting. How a sleepy smile before he retires to his room for the night can turn your thoughts into a scattered, ill-defined mess of what they used to be until all that’s left are words like spun sugar melting on your tongue.

But also, it’s not normal, at least not from your experience. 

You were lucky in the past if your employer even wanted to know about their kid’s day. Barely saying hello once they walk through the front door before sending money to your bank account.

Satoru—because that’s what he asked you to call him one afternoon while you were in the middle of feeding Ren mashed banana, a lazy smile curling the edges of his lips after you say it for the first time—wants to know everything: what Ren ate, if he laughed, how your day was, if you finally got your hands on that book you’ve been meaning to buy. 

“You don’t have to ask about my day,” you tell him shyly, accepting the glass of wine he proffers you after spending the past hour trying to put a teething baby to bed. “To make me feel better, that is.”

“Would it be so bad if I said I want to? You live here, too.”

You try to separate the two: that he cares as your employer and not for any other reason, and how you sometimes catch the soft look in his eye whenever he looks at you could make you believe otherwise.

Cool fingers cup your chin gently, thumb caressing the top of your cheek, now close enough that you catch a few of the warm notes of his cologne, a move that’s probably very inappropriate between a boss and an employee.

“I never say anything I don’t mean.”

You swallow, nodding, slightly shaky, breath caught in your chest. “Okay.”

“Good girl.” He retreats to his office before witnessing how those two words knock the wind out of you.

He starts saying things like our shopping list, our car—because he gave you the keys to the SUV parked beside his car and hasn’t touched it since; for you and the baby, he said, plus it’s terrible on gas when I drive it to work—our house, our baby. You don’t think he means to do it; it's more of an easy slip in conversation.

But then, one morning, he’s rushing around the kitchen, hair still damp and smelling like his shampoo, as he grabs his coffee and briefcase from the counter, kissing Ren’s forehead first…and then yours.

You’re half convinced that you imagined it—that his lips hadn’t stayed there for a second longer than necessary—until he straightens his tie and heads out for the day with a ‘be good’ tossed over his shoulder, and you’re left wondering if he meant to say that to you or Ren.

It sets off a chain reaction of thoughts whirling away in your head, leaves you wanting and wondering—only ever allowing yourself to fantasize a little when the house is quiet and dark, the baby monitor humming on your nightstand, and images of your boss flit behind closed eyelids as you fit your hand underneath your soft sleep shorts.

In the morning, you worry he can tell what you did, his smile almost too sharp, too something—more teasing than what you’re used to—his hand resting on your lower back as he leans down to kiss Ren’s chubby cheek while you make breakfast.

“I have a meeting this afternoon, so I’ll be late. Want me to pick up some food on the way home?”

No, you think, there’s no way he knows.

You spend most of the morning cleaning and folding the array of graphic onesies Satoru has a penchant for dressing Ren in, and the later half walking around the pool because it’s warm and Ren enjoys splashing around in the water. It’s enough to tucker him out for bed early, unable to keep his eyes open while eating a plate of mashed potatoes.

It’s also the first time in weeks that you have the night to yourself, no baby keeping you busy, no Satoru to—well.

After a long shower, you step out of the bathroom, moving into the hallway. And there are many reasons why you felt confident walking the few steps it took to reach your bedroom. Most revolve around what Satoru told you that morning, so you don’t expect him to be standing there, shirtsleeves rolled up, piercing gaze sliding down the length of you wrapped in a towel and little else.

“I brought home those drunken noodles you like,” he says when his eyes focus back on your face, his whole expression softening into a smile.

A beat. “Thank you,” you whisper, unable to look away.

He tucks the wet strands of hair clinging to your cheek behind your ear. “Why don’t you get dressed, and I’ll join you downstairs?”

The noise in your brain goes static.

You’re unsure what causes it, but everything changes when he comes home early one afternoon and finds you and the baby napping in the nursery. He has this soft look on his face and something else you can’t decipher with his piercing blue eyes settled firmly on you.

Ren coos softly into your shoulder. 

When Satoru picks him up and settles him in the crib, then walks you to your room—here, let me help you—and when he hovers in your doorway, you let him in without question.

He doesn’t waste any time peeling off your clothes, eager to have you naked and splayed out underneath him. You cum on his tongue more times than you can count until you’re silently begging him to fuck you.

He laughs, large hands spread over your tummy. 

“Use your words, baby. I’m not a mind reader.”

You feel like you’re someone else watching you from somewhere else, another body rocking against the length of your boss’s cock, back arching every time you manage to find the friction you need. He’s hard against your back, thick in a way that makes you wonder if he did enough to stretch you out. 

“I-I want—”

All other thoughts are obliterated by the stretch and press of him against your cunt. 

“Think I’m going to keep you,” he rasps, lips dragging over your throat. “Keep this drippy little cunt spread open on my desk whenever I want while the baby naps. Would you like that? For me to fuck you full until you give me a baby.”

You clench, nerves shot.

“Gonna get all round with my baby, stay here forever,” he mumbles when he draws away, and you can’t tell if the words are meant for you to hear or slip out without him realizing. “Fuck—breed my little wife until it takes—”

Your eyes roll up, lost in the little promises he paints across your skin, body shivering over and over until you’re sobbing from it until he has to clamp a hand down over your mouth—shh, you’re going to wake the baby—going limp when he finally cums, pressing as deep as your body will allow, as if he can somehow imprint himself there. 

Wonders if maybe he’s been building up to this moment all along. 

It’s so easy to lay there after, blissed out while he litters kisses across your face and collarbones, letting him lift your hips up to slide a pillow underneath, even though the position is awkward when he tries to cuddle you afterward.

His fingers draw shapes on your stomach, giving you a wistful look, like he can’t believe he’s laying here with his cum still dripping between your thighs—no matter how many times he scoops it up and pushes it back inside you. “Do you think it’ll take?”

And you don’t have the heart to tell him about the little foil packet of pills tucked away in your nightstand.

[financing007]

Unlocking the Power of Instant Personal Loans

The concept of online application and quick approvals

In the realm of modern finance, the concept of instant personal loans has revolutionized the way individuals access much-needed funds. This paradigm shift is attributed to the seamless online application process, which allows borrowers to submit their loan requests from the comfort of their homes. Gone are the days of tedious paperwork and long waiting times. With just a few clicks, applicants can fill out user-friendly online forms, providing essential personal and financial details. What truly sets instant personal loans apart is their lightning-fast approval process. Thanks to advanced algorithms and automated verification systems, lenders can quickly assess the applicant's eligibility and creditworthiness. This means that within a remarkably short span, borrowers receive responses regarding their loan status. The speed of this process is a game-changer, making instant personal loans a dependable solution for emergencies and urgent financial needs. Moreover, instant personal loans cater to a diverse range of financial requirements. While the loan amounts can vary depending on the lender and the borrower's profile, they typically cover a spectrum from a few hundred Rupees to several thousand. This versatility ensures that borrowers can access funds for a wide array of purposes, from addressing minor financial setbacks to funding more substantial investments. Whether it's repairing a broken appliance, covering medical expenses, or even financing a small-scale business venture, the range of loan amounts associated with instant personal loans provides borrowers with the flexibility to choose a sum that aligns with their immediate needs. This accessibility, coupled with the efficiency of online application and quick approvals, transforms the lending landscape, making it more responsive, user-centric, and tailored to the fast-paced realities of today's world.

Benefits of Instant Personal Loan

Certainly, here are the key advantages of opting for instant personal loansl loans. For instance, a tech startup secured an unsecured loan to expand its software development operations. Despite lacking substantial collateral, the startup's promising business model and strong credit profile convinced the lender to extend the necessary funds. Similarly, a local manufacturing company obtained a working capital loan to manage seasonal fluctuations in demand and maintain inventory levels. This injection of funds enabled the company to seize growth opportunities and enhance its market presence. Additionally, a creative agency utilized invoice financing to bridge cash flow gaps caused by extended client payment cycles. By leveraging their outstanding invoices, the agency accessed immediate funds, ensuring timely project execution and client satisfaction. These real-life examples underscore how non-collateral loans can catalyze business growth and success.

Convenient Online Application: One of the standout advantages is the convenience of applying online. With user-friendly interfaces and straightforward application forms, borrowers can initiate the loan process from the comfort of their homes. This eliminates the need for in-person visits to banks and saves valuable time.

Quick Approval Process: Instant personal loans employ advanced technology and automated verification systems that expedite the approval process. Lenders can assess your eligibility and creditworthiness swiftly, often providing loan decisions within minutes or hours of application submission.

Flexible Repayment Options: These loans come with flexible repayment plans that can be tailored to suit your financial situation. Whether you prefer shorter repayment terms or need a more extended period, instant personal loans offer options that align with your capacity to repay.

No Collateral Requirement: Most instant personal loans are unsecured, meaning you don't have to put up collateral, such as property or assets, to secure the loan. This makes them accessible to a broader range of borrowers who might not have significant assets to pledge.

Digital Convenience: The digital nature of instant personal loans aligns well with the modern lifestyle. The entire process, from application to repayment, can be managed online, offering a seamless and hassle-free borrowing experience.

In summary, the key advantages of instant personal loans revolve around their speed, convenience, flexibility, and accessibility, making them a practical solution for individuals seeking swift financial support.

How Instant Personal Loans Work

Researching and selecting a reputable lender: When researching and selecting a reputable lender for an instant personal loan, it's essential to evaluate factors like customer reviews, interest rates, fees, and the lender's track record. Opting for a well-established lender with transparent terms ensures a reliable borrowing experience and minimizes potential risks.

Filling out the online application form: Filling out the online application form for an Instant Personal Loan involves providing accurate personal and financial details, including identification information, employment details, income, and the desired loan amount. This step is crucial for initiating the loan process and ensuring a smooth and efficient application experience.

Providing necessary documents: Providing necessary documents for an Instant Personal Loan entails submitting identification proof, address verification, income documents, and bank statements as required by the lender. These documents are essential for verifying your eligibility and expediting the loan approval process.

Emphasize the speed and efficiency of each step: Emphasizing the speed and efficiency of each step in the Personal Loan application process highlights how quickly borrowers can move from application to approval, thanks to advanced algorithms and automated verification systems. This streamlined approach ensures that borrowers receive timely responses and access to funds, making the lending process remarkably swift and hassle-free.

Eligibility Criteria and Requirements

The general eligibility criteria for Instant Personal Loans encompass several key factors. These typically include age, with most lenders requiring applicants to be between 18 and 65 years old. Additionally, a stable source of income, often demonstrated through employment or regular earnings, is crucial to showcase the borrower's ability to repay the loan. Furthermore, a reasonable credit score is commonly considered, ensuring a certain level of creditworthiness. Meeting these criteria plays a pivotal role in determining eligibility for instant personal loans, allowing lenders to assess the applicant's financial stability and likelihood of repayment.

Tips for Successful Loan Applications

Improving Credit Score: Enhancing your credit score significantly boosts your approval prospects. Prioritize timely payments on existing debts and credit cards, and ensure your credit utilization remains reasonable. Regularly monitoring your credit report helps you spot and rectify errors that might be affecting your score negatively. A healthier credit score not only increases the likelihood of approval but may also result in more favorable loan terms.

Providing Accurate Information: Honesty and accuracy when filling out the application form are paramount. Providing truthful information about your income, employment status, and financial obligations builds trust with the lender. Any discrepancies between the information you provide and what the lender finds during verification can raise red flags and jeopardize your chances of approval.

Applying with a Co-applicant, if Possible: If your individual creditworthiness falls short, considering a co-applicant with a stronger financial profile can enhance the chances of approval. A co-applicant with a better credit score and stable income can strengthen the overall application, assuring the lender of a robust repayment capacity. However, it's crucial that both you and your co-applicant understand the responsibilities and implications of joint borrowing.

Implementing these practical steps not only increases your chances of obtaining approval for an instant personal loan but also contributes to a more solid financial foundation overall

Conclusion

In the realm of rapidly evolving financial solutions, instant personal loans have emerged as a dynamic tool to address urgent monetary needs with efficiency and convenience. As you navigate the intricate landscape of borrowing, remember that Mpower Credcure is here to empower your financial journey. Whether it's a medical emergency, unexpected repairs, or bridging gaps between paychecks, the speed and accessibility of instant personal loans offer a dependable lifeline. By exploring this avenue, you're equipping yourself with a swift and reliable resource to meet unforeseen challenges head-on. At Mpower Credcure, we stand ready to assist you in securing the funds you require, helping you regain control over your financial circumstances and stride confidently toward a more secure future.

[chintamanifinlease]

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[miamicommune]

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[batboyblog]

Things Biden and the Democrats did, this week #19

May 17-24 2024

President Biden wiped out the student loan debt of 160,000 more Americans. This debt cancellation of 7.7 billion dollars brings the total student loan debt relieved by the Biden Administration to $167 billion. The Administration has canceled student loan debt for 4.75 million Americans so far. The 160,000 borrowers forgiven this week owned an average of $35,000 each and are now debt free. The Administration announced plans last month to bring debt forgiveness to 30 million Americans with student loans coming this fall.

The Department of Justice announced it is suing Ticketmaster for being a monopoly. DoJ is suing Ticketmaster and its parent company Live Nation for monopolistic practices. Ticketmaster controls 70% of the live show ticket market leading to skyrocketing prices, hidden fees and last minute cancellation. The Justice Department is seeking to break up Live Nation and help bring competition back into the market. This is one of a number of monopoly law suits brought by the Biden administration against Apple in March and Amazon in September 2023.

The EPA announced $225 million in new funding to improve drinking and wastewater for tribal communities. The money will go to tribes in the mainland US as well as Alaska Native Villages. It'll help with testing for forever chemicals, and replacing of lead pipes as well as sustainability projects.

The EPA announced $300 million in grants to clean up former industrial sites. Known as "Brownfield" sites these former industrial sites are to be cleaned and redeveloped into community assets. The money will fund 200 projects across 178 communities. One such project will transform a former oil station in Philadelphia’s Kingsessing neighborhood, currently polluted with lead and other toxins into a waterfront bike trail.

The Department of Agriculture announced a historic expansion of its program to feed low income kids over the summer holidays. Since the 1960s the SUN Meals have served in person meals at schools and community centers during the summer holidays to low income children. This Year the Biden administration is rolling out SUN Bucks, a $120 per child grocery benefit. This benefit has been rejected by many Republican governors but in the states that will take part 21 million kids will benefit. Last year the Biden administration introduced SUN Meals To-Go, offering pick-up and delivery options expanding SUN's reach into rural communities. These expansions are part of the Biden administration's plan to end hunger and reduce diet-related disease by 2030.

Vice-President Harris builds on her work in Africa to announce a plan to give 80% of Africa internet access by 2030, up from just 40% today. This push builds off efforts Harris has spearheaded since her trip to Africa in 2023, including $7 billion in climate adaptation, resilience, and mitigation, and $1 billion to empower women. The public-private partnership between the African Development Bank Group and Mastercard plans to bring internet access to 3 million farmers in Kenya, Tanzania, and Nigeria, before expanding to Uganda, Ethiopia, and Ghana, and then the rest of the continent, bring internet to 100 million people and businesses over the next 10 years. This is together with the work of Partnership for Digital Access in Africa which is hoping to bring internet access to 80% of Africans by 2030, up from 40% now, and just 30% of women on the continent. The Vice-President also announced $1 billion for the Women in the Digital Economy Fund to assure women in Africa have meaningful access to the internet and its economic opportunities.

The Senate approved Seth Aframe to be a Judge on the US Court of Appeals for the First Circuit, it also approved Krissa Lanham, and Angela Martinez to district Judgeships in Arizona, as well as Dena Coggins to a district court seat in California. Bring the total number of judges appointed by President Biden to 201. Biden's Judges have been historically diverse. 64% of them are women and 62% of them are people of color. President Biden has appointed more black women to federal judgeships, more Hispanic judges and more Asian American judges and more LGBT judges than any other President, including Obama's full 8 years in office. President Biden has also focused on backgrounds appointing a record breaking number of former public defenders to judgeships, as well as labor and civil rights lawyers.

[financialtrend]

5 Things to Know Before Applying for a Cash Loan

5 Things You Should Know before Applying for a Cash Loan

Cash loans are a sought-after financing option among individuals, owing to their less stringent eligibility parameters and quick approval time. Furthermore, the corpus comes with no end-use restriction, which allows borrowers to use the sum for any purpose.

Irrespective of the convenient and hassle-free nature of these loans, there are a few things that prospective borrowers must keep in mind before proceeding with the application process. 

Following the below-mentioned pointers will help you make informed borrowing decisions when it comes to cash loans:

Maintain a Healthy CIBIL Score

The first and foremost thing banks and financial institutions consider before lending is credit or CIBIL score of a borrower. This 3-digit numerical code represents one’s credit behaviour and notifies a lender whether a borrower is creditworthy or not. This score ranges between the values of 300 and 900.

If you maintain a good credit score of 750 or more, you hold a high chance of receiving instant loan application approval. On the other hand, a lower credit score can make it difficult for you to obtain cash loans. Thus, it is advisable to monitor your credit behaviour and build a good credit score over time to obtain loans at lower interest rates.

Compare Different Lenders

Another crucial thing to consider when it comes to obtaining loans is research. You need to conduct thorough market research between different lenders offering cash loans. Consider comparing the interest rates offered by these lenders and choose the one that best suits your requirements and repayment capacity. 

Apart from that, consider assessing the maximum loan amount they disburse, the documentation process, eligibility criteria, and terms and conditions. You must also look at the associated fees and charges of a cash loan, as they can significantly affect the overall affordability of your loan.

Assess Your Repayment Capacity

Before proceeding with a loan application, consider evaluating your repayment capacity for the loan amount you wish to borrow. You need to gather your total income and make an effective budget plan to repay the EMIs on time. 

In this regard, you can utilise an online EMI calculator. This online tool is easily available across the websites of leading banks and financial institutions. It is free to use and displays accurate results within seconds. You simply need to feed in your loan amount, the tenor and interest rate to know the estimated EMIs.

You can further use the sliders to change the values until you arrive at the amounts that suit your requirements. This will help you make informed borrowing decisions and ensure you steer clear of loan defaulting.

Choose the Right Loan Amount

One of the mistakes that most borrowers make is choosing a huge loan corpus that they fail to repay on time. You should always borrow only what you need. This will help keep your EMIs low, ensuring that you do not have to deal with financial burdens while repaying your cash loan. 

Apart from the loan amount, it is also essential for you to choose a suitable tenure for your loan. Note that the higher the tenure, the less EMIs you will have to pay. 

Read Terms and Conditions

Before applying for an instant cash loan in 5 minutes, consider reading the terms and conditions extended by the lender. This will help you stay informed about the loan offer and let you know the additional fees and charges you need to pay. Reading the terms and conditions beforehand can also help you notice whether the lender charges any hidden fees or not.

Going through the above-mentioned pointers before obtaining a cash loan will help you make informed borrowing decisions. Cash loans can help you with your immediate financial needs, so you should be informed of its features, terms, and conditions, as well as their qualifying requirements.

[reiderwriter]

Puppet On A String

Chapter One of I Can't Help Myself

Synopsis: Expecting your big promotion any day, you're none too happy to hear about the departments miraculous new hire. You're even less happy when he moves into your office and starts touching things.

Warnings: Shitty office politics, brief allusions to Spencer's time in prison, swearing, reader is understandably bitter.

Masterlist || 5k Celebration Challenge

The day your professional aspirations came to a crashing halt was also the day that you met Doctor Spencer Reid. To say that your view of him was somewhat soured by the unpleasant circumstances of your morning meeting was an understatement and a half.

Sitting in your bosses stuffy work office, you felt your heart stop as the situation was explained.

“You understand, right, Y/N? We really value your work here, so we're really relying on you to help him settle in.” He grinned at you from behind his desk, but all friendliness in the gesture was dampened by the fact that he hadn't even bothered to look up from the papers he was looking through, glasses hanging low on his nose.

“I'm trying to understand, I am. But last week, we discussed me moving onto the tenure track. Are you saying that's out of the picture for me now?”

The smile turned into a grimace as he looked up at you, finally. He removed his glasses and folded them in front of him as you squirmed in your seat. You needed to advocate for yourself, but it wasn't easy when it felt like you were in the principals office being reprimanded.

“Doctor Spencer Reid will be joining us on loan from the FBI. Someone at the Bureau called in a favour with one of the college executives. The decision is above my pay grade - thus it is above yours.”

Your cheeks felt hot as he reprimanded you, and you bit your tongue as best you could.

“He will be with us for the semester, and then we can discuss your promotion again next semester. I will ask again, you understand the situation?”

You nodded, understanding the unspoken - the department wide email introducing your new member of staff and the generous donation from the FBI that came with him. You brought nothing to the department other than a stellar academic record and hard work.

“I'm glad we could both come to an understanding,” he said, aptly dismissing you as you stood to take your leave.

“Ah, one last thing, Y/N,” he said, stopping you in your tracks as you readied yourself to run to the nearest bathroom stall and cry until your first class - roughly 7 and a half minutes.

“Doctor Reid will be sharing your temporary office space. We're strapped for space, and there weren't any other facilities available at the last minute. Since your students always remark on how approachable and welcoming you are, you're the best person to show him around, too.”

The gloom in your heart hardened to anger as the man dismissed you, returning his glasses to his head and not bothering to make eye contact as he added more work to your already heavy load.

“Of course. Thank you.”

You closed the door behind you, willing yourself to not slam it, and stalked down the corridor to your own - now communal - office.

Half of your brain was screaming at you to quit, but with rent in a college town to pay, and the academic year already in session, there was no way you were finding something this lucrative again.

You'd worked your ass off for the last five months. You just had to survive three more with Doctor Spencer Reid.

You had to keep your emotions in control until at least your office, you thought, even as the inescapable tears threatened to fall down your face. You hate that you cried when you were angry, that your emotions couldn't even sort themselves out enough to give appropriate physical responses, but at least you could angry-cry in peace before your new coworker showed up.

You ripped open the door and stomped to your desk, slamming the door shut behind you as you fell down with your head in your hands and let out a frustrated groan.

“Um… hello, can I help you?”

The voice caught you so off guard, you almost jumped from your seat in shock, backing up to the single window in the office.

“Fuck, you scared the hell out of me. What- who are you?” You asked the man you now saw sitting at the sofa opposite your desk, next the door. So close in fact, that you didn't see him walking in.

He was sat down, but you could tell he was tall, slightly older than you, but with big brown eyes that betrayed some experience. He sat comfortably at first, legs crossed, book in hand, but as you spoke, he sat straighter, stiffer, his relaxed expression becoming somewhat colder.

“I'm Doctor Spencer Reid. I was told this is my office from today onwards? If I'm incorrect, I can leave you to your…”

Of course, the very attractive, soft-spoken man in front of you just happened to be the derailment of your career. Temporary, you reminded yourself. Temporary derailment.

“No. Doctor Reid, of course. Hello. I'm Y/N. We'll be sharing the office for the semester, I just didn't know you'd be here today.”

He frowned slightly, like sharing the space was as uncomfortable with him as it was with you.

“If you can excuse me, I have a class to teach in…” You looked to the shelves where your small clock had fallen over once again - the office was cramped and the shelves unstable enough that closing the door meant knocking at least three things over.

“Three minutes, shit. I have to leave, please keep to yourself, I have a lot of important documents in here.”

The words were colder than you would've liked, but you couldn't find the strength to care much about his opinion of you.

You grabbed your laptop and left the room swiftly, abandoning Spencer Reid to your shared office.

Your first meeting may have been sour due to circumstance, but your second was unpleasant on the strength of Spencer Reid's grating personality alone.

In your five months at the college, you'd worked up a system for classwork.

Gather books. Go to class. Pick up coffee. Teach. Leave class. Pick up a second coffee. Go to your office. Host office hours. Work on a research paper. Rinse and repeat for any other classes you had that day.

With such a busy and caffeine fuelled schedule, you kept your office as neat as you could with your rickety shelves.

So, returning to meet Spencer Reid a second time, you almost threw up at the sight that befell you in the office.

“Hey, welcome back.”

The man sat on the one inch of your floor that wasn't taken up by furniture with all of the books in the office stacked up around him, the shelves bare and tipping precariously to one side.

“What the hell did you do to my office?” You blanched, looking around, unable to see the set of books you had organized for your next class.

“The shelves are broken, I put in a request to have them replaced, and I've been organizing the books by topic so-”

“The books were already organized. By class, and week they're to be taught. Fuck, I have a seminar in 30 minutes, I need those books.”

To his credit, Spencer Reid looked panicked as he sat sifting through all the books, even as your anger rolled off of you in waves.

“I can fix this. What shelf was it on?”

“Don't bother, just ruin my day some more. Hey, how about next time, you just throw everything in the trash?”

“I was trying to help, we're going to be sharing the office, and there isn't exactly space for two desks with your current filing system.”

“So you decided to rearrange without telling me? Asking me? I've been here five months, but you strolled in five hours ago and decided to change everything to suit you.”

“That's not - look, I'm sorry.”

“Yeah, well, you can start your apology by footing the bill for whatever improvements you've made. We're not tenured professors. Anything we add to the room or request comes out of our paycheck, and I'm not starving myself for floor to ceiling bookshelves.”

Whatever retort he was about to make was lost as you grabbed your bag from the floor and stormed out, leaving him behind in your dilapidated office.

When you returned to your office later that day, he was nowhere to be found. His new furniture, however, was crowding the room. A clone of your own desk was pushed up against the side of it, the pair forming an L shape. Great. Couldn't have gotten any closer if you tried.

Your couch was still in place by the door, but the old bookshelves were gone. They were replaced by a sturdier looking wooden set that now shelved all the books you'd inherited in the office or were using for class. And some new titles.

He hadn't put them back in the order you needed them in, though you doubted he ever would, but instead had them grouped by topic and within groupings in alphabetical order.

“How very precise,” you said, running your fingers along the book spines as you made your way to your desk.

“Whoops,” you said, pulling out a book you knew wasn't yours and letting it fall to the floor.

Was it petty? Sure. Was it therapeutic?Abso-fucking-lutely.

“Nice. Mature,” a voice said behind you, and for the second time in 12 hours, you jumped at the sound of Spencer Reid's voice.

“Jesus Christ, you need to stop doing that.”

“Doing what, walking into my own office?” He said, leaning against the new bookshelves.

“Our office. Shared. For three months.”

“Oh so you do remember we have to coexist?” He asked, grinning down at you. When did he get so close that he had to look down at you?

“Trust me, your presence is…felt,” you said, gesturing around the cramped space.

“What classes are you teaching?” You sighed, pushing past him to the open door and sitting down at the sofa.

“Profiling and the Criminal Psyche and I'm guest lecturing in Criminology 101. I have a few special lectures on geographical profiles in the next month.”

“And office hours?”

“What?”

“Your office hours, you're going to need to post them soon. Mine are Mondays and Thursdays at 11am, you'll need to be out of the office then so I can consult with the students about any absences or grades. If you haven't decided on your hours yet, my schedule is taped in the first draw of my desk.”

You grabbed your jacket from the hook on the door and pulled it over you like a blanket, laying yourself down on the sofa.

“Why would I need your-”

“Do us both a favour and schedule your hours during my contracted teaching time. It'll be easier.”

“Then why don't you schedule yourself during mine?”

You scoffed as you pulled a couch cushion up to rest your head on, closing your eyes as you drowned him out.

“Gee, you're some kind of genius. Can't you figure that one out yourself?”

You heard his sight of frustration but plugged in your headphones anyway, enjoying your 20-minute power nap as you stubbornly refused to face the day's stress.

A week later, you were deep into a College Cold War.

Spencer had attempted what you'd thought was a truce on his second day, arranging the pile of books you needed for that week's seminars on his desk happily.

Until you went to grab the top of the stack, and his hand held yours down on top of it.

“Sorry, that's for my class,” he said, glancing up at you. He smiled as he noticed the irritation in your eyes as you ground your teeth together.

“I'm teaching a class today based on this text. It was an assigned reading-”

“What a coincidence. It's an assigned reading in my class as well. For all 46 students. You better run over to the library, Y/N.”

You dragged your hand out from under his, brushing off the heat that ran up your arm from his hand as disgust rather than attraction.

His existence was irritating, but his face and body were more distracting than anything.

Storming off, you knew you had to one up him somehow, but you wanted to put some thought into it before doing something impulsive. Your first thought had been slashing his tires, so some perspective was definitely needed.

A week passed, and you found yourself having to endure the man's company on a Friday night for a departmental welcome meal. You'd assumed a week ago when it was scheduled into your outlook calendar that it would be to celebrate your promotion, and now the egg was most definitely on your face.

You'd debated not even turning up, but a warning email had let you know that attendance was compulsory, and the dress code was semi-formal.

So, you begrudgingly forced yourself into the little black dress you'd purchased a lifetime ago for your first graduation and got yourself a taxi over to whatever ridiculously expensive restaurant you have to fast at this time.

“Y/N, you’re here. We weren't sure you'd show up, after… you know!” One of the older professors said as you walked in, pressing an air kiss to either cheek as she handed you a champagne flute.

“Well, attendance was compulsory, so here I am!” You wanted to wipe the pompous smile off the woman's face so badly, but unfortunately, she was a member of the hiring committee. Three more months of sucking up to her was in your future, courtesy of a shitty move by the FBI.

“You say that, but our guest of honor isn't even here yet. Typical, right?”

You downed the drink she gave you and excused yourself to take your seat at the dinner table, needing a place to rest your glass to save yourself from cracking it in your furious grip.

It took another hour for Spencer Reid to show his face, and to your glee, he looked genuinely uncomfortable at the prospect of the night ahead.

“Sorry, I was unpacking some stuff at my apartment.”

“Oh, did you move recently?” A curious voice trailed up the table to ask him as he awkwardly side stepped to his seat. Right beside you, obviously.

“No, just… I had some stuff packed up.”

He held his tongue, not revealing more as the table fell in an awkward silence.

You dragged another glass to your lips and sat back in your chair, doing your best to stay unaddressed as the appetizers finally came out.

“Does the department have dinners often?” Spencer whispered, his hot breath fanning against your neck as he leaned closer to you.

The hot feeling washed over you again as you turned towards him, immediately pulling back and putting some distance between the two of you.

“No. Usually, it is only when welcoming guest lecturers or when someone gains tenure.”

“So who got tenure?”

You scoffed. “Funny. Thanks, Spencer.”

“What?”

You looked back at him again, and his brow furrowed in confusion.

“This meal is to introduce you. Everyone else here has tenure.”

“You don't.”

“Yes, well, there wasn't exactly room in the budget for the hotshot FBI profiler and a steady income for another Professor.” You slammed your glass down again and picked up your bag and things, hoping the table hadn't heard your conversation.

“Please excuse me.” You said smiling at the rest of the table. Some of the women sent you sympathetic glances, but the department dinosaurs simply continued their conversations. You'd think a department of psychologists would be able to figure out they were all absolute narcissists.

You carefully exited the group and took yourself outside for some much needed air.

“Y/N.” He shouted from behind you again, and you had to be honest, you were sick of him following and sneaking up on you.

“God, what now, Spencer? Go back inside and get celebrated or whatever. They probably can't start the self-congratulatory circle jerk without you anyway.”

“I came to apologize. Again. But you don't seem to be able to handle the words ‘I'm sorry,’ at all, do you?”

He looked exasperated, but however he was feeling, you felt worse.

“Look, Spencer. I probably have nothing against you personally. But I've just been conned into another three months of probationary minimum wage because your boss at the Bureau decided he wanted rid of you for a month or two. Some of us didn't get child genius scholarships for multiple PhDs and aren't receiving two paychecks right now.”

“If money is an issue, Y/N, you know I could-”

“No. No, stop butting into my personal problems. We can be civil, but we're not… we're not friends, Spencer.”

You stepped back and let out another sigh as you forced the words to stand between you.

“Okay. I'll stay out of your way.”

“Great. Looking forward to it.”

“Sure. Me too.”

[orchideius]

• start/finish discussion post tomorrow (post due wed & reply due fri which means get both done tomorrow bitch)

• try and call admissions/financial aid AGAIN

• take more notes

• go shopping after work for makeup remover, razors and a bday dress

• plan itinerary for bday weekend

• READ!!!!