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poonamranius · 2 years

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Loan Without Any Guarantee : 'सबसे गरीब' के लिए मोदी सरकार की ये योजना, बिना गारंटी मिल रहा है बिजनेस लोन

Loan Without Any Guarantee : ‘सबसे गरीब’ के लिए मोदी सरकार की ये योजना, बिना गारंटी मिल रहा है बिजनेस लोन

Loan Without Any Guarantee सरकार पीएम स्वनिधि योजना (PM Svanidhi Yojana) के तहत रेहड़ी-पटरी वालों को फिर से अपना काम शुरू करने के लिए लोन मुहैया कराती है. सरकार ने इस स्कीम को खास तौर पर स्ट्रीट वेंडर्स के लिए शुरू किया था. कोरोना महामारी के दौरान हजारों लोग अपना रोजगार गंवा बैठे थे. छोटे व्यवसायियों (Small Businessman) का कारोबार (Business) चौपट हो गया. ऐसे में उनके लिए अपना गुजारा करना मुश्किल…

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crookedkryptonitebeliever · 2 years

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Yandere Best Friend pt 2

tw: self harm, mentions of violence, general deranged yandere shenanigans, angst

ageless blogs n minors DNI blease tq <3

part 1 here

my masterlist

this sucks bros i broke my fucken leg and i cant move, my cast is so itchy and i cant scratch and i feel nasty cause i cant shower

feeling bads, so thats why i churned part 2 out faster thn usual , its shorter than before but just need some angsty comfort atm

as uaual many errors cause i did not proofreasd

enjoy i hope

You left the exam hall a couple hours later. To find out that your dad left a total of seven missed calls. You thought someone fucking died.

Of course, you called back. Preparing for the worst.

Your father picked up the phone, he explained that it was your friend. He had a mental breakdown because you weren't there for the opening of his dream restaurant. Eventually though, he calmed down enough to come back into the building to return the phone, eyes noticeably dull and tired, worse than before. He never stopped trembling.

The three of them sat down and talked.

Neither of your parents knew you stopped contacting him. They thought everything was fine, so your friend couldn't fault them for that.

Your parents trusted your friend, so they gave him your phone number and told him basic information about you now. Such as, the country you're studying in and the course.

You felt a pang of guilt, but you had to move on. You understood that he was busy, it would probably do no good for you to try and reach out to him. You would just ruin his plan and distract him too much. At least, that was what you thought.

Usually, he would call every day. But that turns to once every three days. Then once a week. Then never.

It's true that he would not miss a single day to send you a sweet message, a reminder to practice self care and that you're very dear to his heart. Which would be then followed by an update to his progress, it was stressful to read what he was going through and that was all he talked about. You felt like his personal diary, he stopped asking about how things were going for you.

Since it doesn't seem to bother him you weren't replying because he would send his texts when the entire world is asleep, you stopped opening his texts too.

You wanted to tell him in person that you're moving out to pursue your studies and you were granted a student loan. A crushing student loan. But... You believe his ten minutes of free time a week is better used for his sleep. Or even going to the bathroom perhaps.

A day passes by another and in the end, you moved on without him. Without telling him. It just always slips your mind every time you see him brisk walking towards his beat up car with a stack of metal trays in his arms. They must be extremely heavy, you could see the veins bulging out of his forearms and forehead.

It was hard to watch his cheeks get sunken in, his hair going back to its' matted, unhealthy state, dark bags forming under his constantly bloodshot eyes. He looked like he aged a decade older from all the stress and pressure. But... He is working towards his dream and you're happy for him. It was great that he finally achieved what he wanted, he deserved all of its glory for working his ass off like that.

You held no ill will towards him, but you grew apart. He was so consumed with work that the friendship suffered in silence, there were no more fun hangouts together at the mall, you don't get to eat his cooking anymore (you didn't want to burden him by buying a tray, he already has too much to do), no more fun conversations about the silliest shit. It was just... Bank loans, revenue, expenses, investors, employees, employers, credit score, mortgages, taxes etcetera. The urgency and distress was also rubbing off you too, there were nights you woke up in a cold sweat because you had a nightmare that your hypothetical restaurant failed and you went into debt.

So you thought, he needed his time. You shouldn't really interfere with anything you don't understand. Your friend is already nose deep in the real world, you're not even close to it yet and you're not ready for it yet either. Therefore, you took the route most young adults take after getting a high school diploma: getting a bachelor's degree in some field of study that you probably don't even like.

You trudged onwards to the direction of your hostel. You need to get ready for your shift, money is a little tight now and you don't want to burden your parents too much. They're already sending a lot of money to support your living.

If your friend knew you were working hard for some extra money, his heart would break. It would be devastating news to him, no doubt, he would at least have a dozen freakouts and breakdowns. But you don't know that, yet.

As expected, your friend eventually called you. It was later than expected; it took him a week before he called your new phone number himself. He needed to calm down and collect his thoughts, as he knew that he might just drive you away if he comes barreling in with passionate yelling and sobbing over the phone. Plus, he also needed to focus on his new restaurant too, he can't just abandon his lifelong dream like that. How else is he going to make enough money to provide for you? He can't take back the money and time he invested in this now, all he can do is keep going and find some compromise.

It was tempting to go M.I.A. and hastily book a plane ticket to wherever you're studying. He was deeply yearning for your presence, he was desperate, he was clawing his arms and decorating them with nasty scars in an attempt to keep the urge at bay. He was extremely miserable but he had to keep going, to build that wonderful, cushiony foundation for you and him to fall back onto.

Everything he does, he does it for you.

He was polite, kind and pleasant during the first phone call you both had in two years. Though, there was a noticeable twinge of hurt in his mildly wavering voice. He still sounded like he's happy and relieved to hear you again.

The call started off with a greeting, then some small talk, then finally to the meat of the call;

Why didn't you tell me? He asked. It seems like he was fighting back his tears.

You didn't answer right away, you don't know what to say.

You could tell him the truth that he was too busy with his endeavors and you just don't feel like interfering by burdening him with "unnecessary information". However, you think that might wound him deeply as you're somewhat blaming him for your own actions.

You could lie... and tell him what, exactly? Either way, it would hurt him even more and there is probably going to be some resentment.

So, you apologized. You kept your reasoning brief and simple; you needed to move on. You acknowledged that whatever you did wasn't very nice of you, but you still had to proceed and you thought that it would be better that you didn't tell him.

There was a moment of silence between the both of you.

On the other side of the call, your friend was wracking his brain, trying to comprehend what you just told him. It came across as you not wanting to do anything with him anymore because you feel unprioritized, unimportant, inferior. Guilt and remorse was eating him up, he is putting all the faults onto himself.

He spiraled downwards in that call, spewing nonsense and absurd promises to destroy everything he has ever worked for just to have you back in his arms. Deranged negotiations involving the idea of blinding, deafening, mutilating or doing some sort of bodily or mental harm to himself to prove something; prove that he puts you above everything else and also to punish himself for neglecting you.

It was horrifying to hear your dear friend babble about putting himself into financial ruin for the sake for your forgiveness. He spoke of his accomplishments and advancements as they were disposable, as if it held no value compared to you.

This isn't normal, far from it, Your friend devolved so much to the point he was making demented pledges to kill and maim your enemies for you, and only you. To eviscerate the ones you dislike and send videographic proof of it, to disembowel his business associates to show that they mean absolutely nothing to him. Mind you, he was talking about real, breathing, living humans.

It was hard to fully grasp the insanity in his now incoherent words, he was muttering apologies and self hatred. Promises of severe self harm was also common in his mad speech. At one point, religion and superstitions were thrown into the mix. But you could not understand what he was chanting about.

What the fuck are you talking about? Your friend didn't pick up on your distress... or words over his excessive tirade against himself.

Everything I do, I do it for you, and I would do anything and everything for you. I love you- You hung up.

You couldn't take a second more of that. It was really difficult to see this side of him. It hurts you too that he became like this, perhaps all the stress from building a business from the ground up fried his mind. Whatever it was, you knew that he is not good for you anymore.

You sent him a final text message telling him that you're not comfortable with him after that massive sanity slippage. You wished him luck and expressed your regrets that it had to turn out this way.

You didn't give him a chance to respond, you blocked him immediately on everything and went on with your day.

Whatever he said kept replaying in your head like a broken record. It was pure horror.

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carrickbender · 3 months

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Sunday 7-

I had 2 drs appointments on Friday, one of which was a CT that was supposed to help figure out why I have so much pain in my right testicle(TMI). It saw nothing, so now we get to keep guessing. Boss told me to "take weekend off", but was doing the morning orders/teams call every day between 5-7, trying to fix stuff and do reconciliations. Glad they trust me with this, but wanna give a 'high five' to my imposter syndrome telling me im gonna get fired any day.

- had to take Henry to urgent care on Saturday, and it turns out he has the start of pneumonia. Wanna give a big shout out to the ARNP who told me she really thought he should just 'ride it out' after 10 days of awful coughing and that their kids 'were still in it after a month'. Yeah, the PA said there was no way he wasn't leaving without antibiotics. Made me feel like an asshole parent... he's on day 2, and already more of himself.

- I went back up there today for me, and I have pretty severe bronchitis. He put me on a different antibiotic, more steroids, refilled my inhaler, and actually listened to me. I mean, I appreciated his care and actual concern. Fun situation: while I was there, a tree fell across the powerlines and tripped off most of town, so they had to go to back-up generators. There was a hall full of people, in a brown out, that the staff were managing like pros. Seriously, we are lucky to have that place.

-after today, I have 4 payments left on my car. 4. I think we will wait till June, and then it's 4 door vehicle time. The lunabug is getting taller, and we want to go see my dad/stepmom in Eastern Wa in something that has space. Everybody and their dog has sent me one of those damn, "interested in a new car loan? It's OK to check your rate, and won't hurt your credit" messages and as soon as my credit union chimes in, I'm sure we'll have something to talk about.

- speaking of something to not talk about, I learned a new term and joined a subredit today called 'dead bedrooms', and yeah, checks out completely. I don't have a therapist yet, so it's not a bad sorce of info or me trying to figure out what I have messed up(apparently, yet again).

- so I had to stop at Walmart(yay for small business destruction by a corporate giant!) for meds/a few groceries and this dingus in an f250 with a WA st license plate celebrating wrestling decided he needed to back into a compact space that was in front of me. He almost hit the first car on the way in(who had to stop and back up), but then he literally backed his 'not a farm truck but a penis extension' into the compact space in front of me, and thanks to me backing up knowing he would have been sticking out if I didn't, he took 3 feet of my spot and his hitch was literally 4 inches from hitting my car. In my space. And that entitled piece of shit didn't even look to see how close he was, he just walked away like he was the king of backing up. Look, I have no problem with wrestlers, but the only one who matters in my life is John Irving, and I think he would have been sensitive enough not to be a shit bird like that! (Part 1 of 2 rant)

- I wanted to share a thought or 2 about something I've seen going about on here for a little bit, because I think i need to say avfew things:

I love that I have so many people I follow here who take stances for the poor, marginalized, POC, and other underrepresented communities-not just in a perfunctory way of saying 'I support you'; but quite a few of you are actually involved in helping bring about change and strengthening communities by being unselfish hands that help heal hearts- you inspire me to be a better person, really. As a person of faith, I see you doing the work that many faith leaders of old spoke of when they talked of when they said, "serve as you have been served, and love as you have been loved"- and seeing that faith in action, it has made me read more about liberation theology and revisit the works of the Rt Rev Bishop Desmond Tutu, Dietrich Bonhoffer, and Dr Martin Luther King jr(and of the later, 'Why I oppose the war in Vietnam' is just as relevant now as it was then). I thank you all for this inspiration and work.

But what I have really come to realize about myself is that I am a person of privilege. I am a white CISmale, straight, accessed a good education at a young age, had a huge extended family that helped raise me when my mom had me at 17, have never had to worry about my gender causing me to be looked at differently, have a good job(for now), have access to clean water, don't live in a food desert, and save for the fact that I understood discrimination at a very young age thanks to my last name, I know that I have lived a mostly privileged life.

But there is one privilege I will never take for granted, and that's voting. And yes, I don't always vote my conscience because at heart, I am a democratic Socialist. But I always vote in my local and state house election because it is in places like your local school board or your city council where you can stop the spread of groups like 'Moms for Liberty' or any of the other neo-fascist organizations that seek to change education or change for the worse how cities deal with their population experiencing homelessness. If I stay home from these elections, I feel like I'm spitting on my great grandmother's grave(whose name I found on the voting roll of the first year that women could vote in Basin, Montana). I feel like I'm not being a good parent or a community member for sticking up for my sons right(or other kids rights) to read books in the school library that have a rainbow(let alone letting kids see representation for non-traditional families that are just the same as everybody else!). So please, if you're feeling crappy about the election, this right here is the biggest way to affect change if you don't know where to start or affirm.there is something you can do to really make a difference. Don't see enough representation of POC on your city council, especially in multi-ethnic communities? Hear a trans voice that would make for a great representative for all people? Fill in those boxes, act locally, and get those folks elected! It works if you work it!

I hear a lot of voices talking about Joe Biden these days, and I feel numb and angry about a lot of things that have been done in our names too: I hate HATE what is happening in Gaza(PBUT); I hate our support of Saudi Arabia and the proxy war in Yemen; Our jaunts in Zaire and Jordan; I hate that we are no closer to universal Healthcare, but I understand that that road and others lead through a Republican congress. I love that child poverty is declining, but programmes that were designed to make this a reality are sunsetting. We have a barbaric and truly archaic policy on immigration, and every time(that's not hyperbole, either), every goddamn time a good bill has been proposed to deal with the issue, the bill has been met by the xenophobic forces on the right and their deep pockets fueling the media and it is destroyed out of fear. And let's not forget student debt forgiveness, the continued dismantling of public education by states like Texas and Florida, Our goal of dismantling of the prison industrial complex, the protection of reproductive healthcare, and the dire need for nationwide police reform.

Yes, our laundry list is long, but it is full of necessary things that need to change or be codified in order for a great change to happen for generations and the continuatonof this great experiment called the U.S.A.

And for all of this and more, I ask: where are the leaders of our generation on this? Where are the ghosts of John Lewis, of Paul Wellstone, and of Shirley Chisholm? Thankfully, our leaders and the ghostsbof their forebearers are there- they are doing their best, and thankfully we(those of us on the progressive side) are represented by POC women who will go to the mat for these issues and more, being inspired by those who came before them. But the more that I think about it, it's time that we offer an ultimatum: we'll give you our voting block, Joe. We'll help bring along the majority of the 9 million new voters who are coming of age this year, so you will have a supermajority with which you can put forth truly transformative legislation. Sure, you'll get us- for now. But if it's businesses as usual, if we are not knocking over the tables of the money changers, and if we are not investing more in programmes of social uplift than we are for the military industrial complex, then we strike. Not in 2028, as one of my absolute favourite people on here suggest, but in 2026, in early summer. Because it is people like me, those of us who have know privilege and continue to know it, who are finally waking up to the truth that we need to do the work. We need to do the heavy lifting. I'm willing to make that offer, and I hope I'm not alone, because there either needs to be a change in the way our political system operates, or we walk away and start our own political entity. I hope I'm not alone in the way I feel, and I hope that we can all make the proposition. We have the leaders, we have the people, now it's about courage. It's time.

But for today, if you can pull the lever for democrats nationally, I totally get it. But consider what I said about voting locally, and in local races and elect people who represent your values. It matters.

- ok, rant over: if you made it this far, know that I love you all and I hope this week brings good things for you. Remember what Pete Seeger always said: "Take it easy, but take it". Much love yall!

#me #this is my life #exhausted #singer songwriter #henry adam #washington state #in repair #democratic socialism #radical feminist safe #POC safe #we are one in the spirit of reform #time to dream it up again #Spotify

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bitchesgetriches · 2 years

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It’s not bad enough that a shitty credit history and poor credit score can keep you out of housing or a desperately needed loan. It can also keep you out of a job.

That’s right: It is entirely legal for a potential employer to require a credit check as part of their hiring process.

Some employers try to justify this discriminatory hiring practice. They think a credit check is a good way to measure a job candidate’s “trustworthiness and reliability.” Because no trustworthy or reliable person ever missed a credit card payment, amirite?

Credit reports and credit scores, as an institution, were invented to show banks and lenders how capable a person is of paying their debts. That is their only purpose—they’re not a substitute for a Myers Briggs type or a job placement exam.

How this is a discriminatory hiring practice

According to psychologists at the University of New Mexico, credit checks actually introduce racial discrimination into the hiring process. This is because racial minorities tend to have lower credit scores.

And why is that? The premise “brown people are just naturally worse at money” is inherently racist. So we can assume, therefore, that credit scores are themselves a racially biased system.

So including a credit check in the hiring process is basically like…

Even if credit scores aren’t racist… your credit score is not your employer’s business! Just as what you do with your uterus is between you and your doctor, so your credit score should be a private matter between you and your bank.

A lot of people have poor credit scores due to past mistakes and misfortunes. That shit stays on a credit report for years! And the snowballing effect of bad credit often makes it very difficult to repair credit once it’s broken. (You get turned down for financial assistance and opportunities because of bad credit, so you sink further into poverty, debt, and bad credit, preventing you from accessing financial assistance and opportunities.)

A divorce wrecking your credit score should have no bearing on your candidacy during the hiring process. Signing up for a predatory store credit card when you were young and ignorant about finances should not prevent you from getting a job.

A notable proponent of this most blatant of discriminatory hiring practices is the financial industry’s own Voldemort Dave Ramsey. But then, he also famously asks to speak to interviewees’ spouses before hiring them. So he’s not exactly concerned with ethical hiring practices.

- Beware These 5 (Perfectly Legal) Discriminatory Hiring Practices

#job interview #job hunting #career advice

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memestockpile · 10 months

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the goodbye girl from the 1977 film. feel free to change as needed.

you excited?

we're gonna look for a little house way up in the hills.

stars have to be actors first.

you're such a stickler for details.

you have homework to do.

wash your face and brush your hair.

doesn't start off too good.

this is one of the worst letters i've ever read in my whole life.

i had to sell my watch and camera to pay off the loan sharks.

it's amazing how flabby you get when you're happy.

you leaving tonight, or in the morning?

that's none of my business, honey.

that bastard! that no good bastard!

you're so young.

there's nobody by that name here.

you got a latch, you can keep it on. i just want to talk to you for one second.

i figured i could spend the night here.

you look confused.

over my dead body.

what a shitheel!

i don't want to blow my last few bucks on a hotel.

i've got a gun! i'll use it if i have to!

you got change for a one?

i will handle this.

if there's any such thing as the 78th street flu, i think i've got it.

if you have any compassion in your heart whatsoever, you'll call me back.

i don't blame you for being hostile.

you're a sharp girl, right?

you get dumped on enough, you start to develop an edge.

ask an actor a question, you get his credits.

you are really something, you know that?

can i have a cup of coffee?

don't be bashful, just say what's on your mind!

i may be stubborn, but i'm not stupid.

would you stop grinding your teeth for two seconds? the noise is driving me crazy.

you're dynamite. i love listening to you.

move your little fanny out of my room.

you forgot to say goodnight.

jesus christ, you're naked!

won't grow on two hours of sleep a night.

music is one of nature's sedatives.

i'm sorry, baby. i'm really sorry i got you in the middle of all this mess.

you are a pain in the ass.

a little rusty, but not bad.

richard iii was a flaming homosexual. so was shakespeare, for that matter.

that's why we're here, isn't it?

i am going to put you up for adoption.

get your old [relationship] a coke.

i think he's kind of cute. he reminds me of a dog that nobody wants.

can i talk to you in private?

not in my house. i won't put up with this sort of thing.

they have motels for that sort of activity.

i will bring home anyone or anything i chose, including a one-eyed episcopalian kangaroo, if that happens to be my kinky inclination.

why don't you turn off some of the lights?

socks in the hamper, please.

oh, god, please let me be hit by a rich man in a rolls-royce.

what a nice person you are.

i am making a horseth asseth of myselfeth!

let's take five.

why don't we have one shopping list and split the bill?

they took my bag!

why can't you at least thank me for risking my life for you?

it's style that counts, darling.

i got the biggest ego this side of st. louis.

you're terrific with words.

all you gotta do is be nice to me.

you go to hell!

you don't have to snap at me.

i want you to take slow, deep breaths.

today was the pits.

i'm not used to the kindness of strangers.

if you're listening, this is my attempt at being nice, decent, and fair.

try and be tactful.

i never listen to critics.

you don't have to be so blunt about it.

you're really not such a bad person, after all.

i don't know what came over me.

you try and get some sleep now, okay?

the minute you think your world's collapsing, something wonderful happens!

we're late. get your jacket.

kids are fickle at ten.

you want to get paid, or not?

all i want is a kiss. just one little kiss.

come here, you little twerp.

tough crowd.

that man is not my type.

that is a rotten thing to say.

sometimes i can be so goddamn furious with you.

let me put some ice on it.

get yourself to bed, young lady.

i'm [age]. i'm not supposed to get embarrassed anymore.

i hate that "goddamn, it's wonderful to be alive" feeling.

even ginger was nervous the first time she danced.

i'm a sucker for romance.

thank god i am over that period.

it's an expression of endearment, like "hiya, kid." "how you doing, kid?" "what's wrong, kid?"

would you be terribly hurt if we just forget all about last night?

i am not up to falling in love again. it is too much work.

lots of weirdos in this neighborhood.

you love to love somebody, but the minute that they take the initiative, that scares the pants off of you!

you are the silliest man i ever met.

if you don't let go of me, i'll punch your eye out!

[name], you big fink!

i owe you a good time.

i like your style, kid.

i'm getting nauseous.

as much as you like me, it's not one one-thousandth as much as i'm crazy about you.

you can cry all over yourself, i'm gonna tell you anyway.

i am certifiably nuts about you.

you know what i want more than anything else in the whole world?

i think we should have them over for dinner real soon.

what color should we paint the bedroom?

i'm very fond of you.

i couldn't be happier for you.

jesus, i am so scared.

honey, i thought you'd be excited.

that's a dumb, stupid thing to do.

i'll miss you, but i'll survive.

i've grown up these last couple of months.

if you're ever up for an academy award, i promise i'll keep my fingers crossed for you.

so long, kid.

give it five minutes, you just got into bed.

i can predict the future.

get dressed, you're coming with me.

don't play games with me.

you have enough work to do without worrying about me.

i never doubted it for a minute.

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thedarkmistress16 · 10 months

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Hetalia G8 (+ Canada, Romano, and Prussia) as Teachers (2/3)

Part 1. Part 3.

~Shared Classes~

Traditional Art. Italy, Romano, France, and Japan. Italy will bring in instructors and friends of his to provide their perspective on a specific art movement or style he’s covering, though Italy usually wants them to stay longer and chat with him despite their busy schedules. Even interrupting their guest’s demonstrations at times. He likes bringing in France for the Impressionism movement, Japan for his bold lineart, and Romano to let his brother show off his art skills.

Italian: Italy and Romano. Despite Italy dragging his brother to instruct the course with him on many occasions, Romano is notoriously awful at teaching languages because he frustratedly curses at the students every time. The board still hasn’t done anything about this despite specifically only wanting the younger Italian brother to teach the language.

Technology: Germany, Japan, and America. Germany brings them in for their perspective on the topic and to describe how their cultures advanced their usage of technology as a comparison point between different origin factors, but mainly concerning culture and purpose. Students suspect Germany does this because he can’t teach the required modern section of the course worth shit, and he always denies this despite it clearly being true. He becomes too intimidating on the topic when the students push him on it, and they all quickly back down each time with Japan cringing or America laughing in the background.

Physical Education: Germany, America, and Russia. A German, American, and Russian walk into a gym. The German focuses on posture and overall execution during workouts while the American puts emphasis on stamina and speed, as the Russian encourages improving one’s power and aggressiveness. The American tells the two about his personal training program he wants to pitch to the board to get the kids in shape quickly. The German and the Russian look at the American like he’s insane and chides him for suggesting such a torturous training regimen under the guise of a “cowboy camp.”

Physics: Germany and Russia. The worst class to take because both instructors are bad at being sociable and making the classroom a friendly environment to work in. They also take the course way too seriously. When they start getting into arguments with each other, the students brace themselves as they continuously remind themselves to stay for their degree. Students would report this, if both teachers didn’t stop fighting like a flip of a switch, startling the students and making them wish they took another course instead.

Finance: America and Russia. Despite butting heads constantly, they provide some seasoned insight on the dangers of spending over budget, what loans and credit company practices to look out for, and how to shop smart by comparing prices and understanding return policies in stores and online. This is in part due to their different experiences when it comes to their own finances and how they handled their money. Most students are pleasantly surprised at how smoothly these lectures go and typically feel more confident when approaching their own finances.

Communications. America, Prussia, and Britain. He brings in Prussia for his equally loud and commanding presence, on top of them getting along well and having fun with the class. He only invites Britain when he wants to show his students what a bad example of public speaking is, much to the Englishman’s chagrin. Cue America snoring obnoxiously at the back of the classroom as Britain attempts to try and teach America’s students “something useful about the spoken word in proper English.”

Architecture: France and Britain. They bicker constantly with unnecessary details when comparing their buildings and never stop one-upping each other on who did whatever best. Yet they always manage to stay on topic somehow, which makes the notetaking an absolute nightmare when students read over it later. They realize none of it will be useful on the tests, probably. So they throw their notebooks to the ground in irritation, wanting to switch classes as soon as possible.

French: France and Canada. While France officially and gladly gave Canada the position due to his own course workload, he still pops into Canada’s language class from time to time to lend his own demonstrations and assist with conversations. Trusts his younger brother to teach it despite being peeved that the students are learning more Canadian French nuances than European French ones.

Health. China and America. China only brings in America to make an example out of his unhealthy habits and make fun of him in the process. Every time America falls for the invitation, despite knowing better, and ends up sulking away from a very pleased China.

Filmmaking: Everyone. On rotation. Fight me.

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paydayquid · 11 months

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rossemboss · 1 year

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Notes from Tokyo Vice: An American Reporter on the Police Beat in Japan by Jake Adelstein

note: take book with grain of salt as author is greatly self-aggrandizing, but provides some nice color on yakuza

many yakuza prefer to be called 'gokudo' (the ultimate path)

shobadai - slang for protection money paid to the yakuza

"Santa Fe was a book of nude photos of the popular actress Rie Miyazawa" that showed her pubic hair. When authorities didn't pursue the book for breaking obscenity laws based on the photos' "artistic qualities" it opened the floodgates to the relaxing of those policies enjoyed to this day

typical divisions of a police station: violent crime, white-collar, fraud, , traffic, juvenile crime, prevention, lifestyle/vice, plus an organized crime control division, which would pursue drugs, credit card fraud, and human trafficking

kind of neat - the idea of exotic animals being sold to yakuza to scare people. who would have a leashed tiger?

When someone leaves the yakuza, a letter is circulated to all members, either a hamonjo - this person is no longer in the organization, don't do business or associate with them; or a zetsuenjo - betrayer hunt this person down.

if a murdered body is found with the head facing North, that may indicate a killer feeling remorse as that's how dead bodies are laid out.

suicides remove their socks and shoes as it's rude to wear into the afterlife

There are two major types of yakuza: tekiya, low-level con artists and bakuto, the big leagues, who engage in predatory lending, human trafficking, the racket, and blackmailing corporations. They are over half Korean-Japanese and the dowa, formerly untouchable caste of Japan.

The major yakuza have lots of sub-groups that pay monthly dues. The Yamaguchi-gumi (biggest) takes in about $50M in private equity monthly and this is considered a conservative estimate.

The police don’t have the authority to wiretap, offer plea bargains, or witness protection in yakuza investigations, which limited their ability to effectively prosecute them. It’s also not illegal to be in a criminal organization.

As of 2006, the Tokyo Metropolitan Police compiled a list of ~1k front companies in greater Tokyo, 20% real estate with significant investment in securities, auditing, consulting, and other financiers.

Police sometimes call the yakuza “Realtors” lol

In 2008, a major Corporation was found to be paying over $100M USD to yakuza to remove tenants from properties they wanted to purchase (this is called jiage or land-sharking and is big because tenant laws are so protective.)

The bosses of some yakuza groups are minor celebrities and will be photographed and reported on having meetings/dinners with politicians, or will grant TV interviews!!!

Marubo cops – organized crime detectives

One business model: landsharking, moving yakuza into buildings before they can be repossessed and then buying them themselves or getting money from the original owner for the service, protection money from the sex trade, and the cash cow, extortion (specifically, shaking down business people with embarrassing secrets). They would do the same with companies in financial trouble. They would take out loans from midsize banks using the company’s real estate as collateral, but then when the company would go bankrupt, those loans would go unpaid. The Sumiyoshi-kain also ran staffing companies, loansharking, and an insurance company specializing in false claims to rip off real insurance companies. A collection agency for recovering bad debts for real loan companies. Pawnshops for trafficked goods. A talent agency for porn (paid well not coerced). Transportation and security for large events. Take construction contracts and then subcontract out, pocketing the difference. Set up a fake political org for the tax break and a way to launder money. Have your extortees pay to receive your newsletter.

kabukicho was the undisputed red light district of tokyo before it got partially cleaned up following the 2001 fire of the Myojo 56 building where 40+ people died. It is speculated that the yakuza burnt it down after not being paid its protection money by the mahjong parlor inside.

At least in 1999 during the time of this book, a reporter tells him: "Nine times out of ten, no matter how much it looks like a murder, the Shinjuku police will write it up as a case of assault resulting in death - manslaughter? Why? So they don't have to launch a full investigation." Murders of 'low-lifes' not deemed newsworthy. What WAS newsworthy was anything involving someone famous, a civilian, or a teenager. Maybe a brewing gang war.

The reason the anti prostitution law is on the books is to protect girls who were being sold into sexual slavery after the war. That's why they only go after the pimps and owners, not the girls.

one thing to track is i keep writing big clubs, when i should go smaller, seedier, and more participatory. one stage, men using vibrators on the fully naked dancer. also kinkier: more costumes, piss play, the works.

downtown there are typical haunts where the yakuza hang out near their offices, where they get coffee and shoot the shit. and it's not one organization, but all of them.

lots of young girls (high school to college) get addicted to the host clubs and run up a big tab at which point they get redirected into becoming hostesses or joining the sex trade themselves. these are usually unlicensed clubs that have no police protection and are therefore easy marks for the yakuza. a good host club makes about $300k a year in 1999; the legit hosts can make big money too, think $6-10k a month not including gifts. hosts and hostesses often frequent each other's places when they get off work, so they're often busiest at like 4am/late late hours.

Roppongi is known for its foreigners. The place to go if Japanese people and foreigners are looking to connect (/connect!) Before the bubble burst, Roppongi was known for its highbrow establishments, but it's gone sleazy with big clubs, drugs, and all the typical sex trade establishments. It's nicknamed "High-Touch Town"

Because yakuza bosses can be held liable (and sued) for the crimes of their subordinates, when someone gets collared, it's typical to throw them out of the org (at least on the surface) claiming they were just a bad egg to limit liability. Yakuza will also sue newspapers and other organizations that call their businesses fronts or old members yakuza. Very good lawyers.

money laundering - hostess clubs and sex parlors (have your employees act as regulars and pay there); donations to religious organizations you run from the profits, own restaurants, r&r spots, and more and have your employees go there with the profits.

there are legal limits on interest rates for consumer loans, but yakuza loan sharks obviously go way above that. keep database of all customers at one establishment to see when the loan is falling behind, and then reach out from one of your other loan offices to offer a loan with even higher interest rates to double prey upon your victims.

more swords as weapons since gun use penalties are so high!

not uncommon for yakuza to own the movie studios making yakuza films which has promise as a funny detail; also more chopped fingers, toes transplanted as fake fingers, etc.

Tokarev - Russian guns popular in the 90s with yakuza

"that's why we farm out the dirty work to the Chinese and the Iranians. If they get caught, they don't talk and they just get deproted."

control the media by running the top talent agencies and denying them access to top entertainment talent if they publish unfavorable reporting

#⁂ yakuza

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nikoalasblog · 2 years

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The social credit system

Everyone immediately conjures up images of China's system of forcing citizens to adhere to the laws of the state when they hear the term "social credit system." Yet many more nations, including those in Europe and the United States, already have social credit systems in place (Matthias 2019). According to Matthias (2019), if we think about it, insurance companies use data obtained from social media to determine your risk premium and how the bank determines your financial viability and, consequently, your interest rates. Other than that, if a host or driver reported you for "poor behaviour," Airbnb and Uber would disable your account without giving you the chance to appeal. These are but a few instances that demonstrate the existence of social credit systems not only in China but also in Europe and the USA. The fact that it is not interconnected is the only distinction from the impending Chinese version. Taking a taxi is still an option if Uber blocks you. You can try to get another insurance if the one you currently have has a high premium (Matthias 2019). But what happens if this changes?

Right now, your actions determine who you are. Every action you take online is immediately recorded by your browser, third parties, cookies, and practically all of the websites you frequently visit (Google, Facebook, etc.). The internet as a whole is a surveillance system. A profile of you is being generated based on the data you voluntarily provide. Up until now, targeted adverts have been the "sole" use of this profile. However, it might be applied to develop a so-called "social credit system." By simply installing an ad-blocker, it is currently simple to filter out the effects of this type of online surveillance (Matthias 2019).

This is exactly why China's Social Credit System is so scary. Their government surveillance has real-life consequences. For example, it might have an impact on career opportunities, travel opportunities, financial access, educational opportunities and contracting power. However, having a good credit score could make a variety of business operations considerably simpler (Donnelly 2022).

What is China's social credit system & how does it work?

China's Social Credit System, which is used to "rate" its population, is based on extensive government surveillance. It consists of the following:

Extensive surveillance of the entire population

A social score obtained from these surveillance data

People's lives are defined by their social scores

The Chinese government tracks citizens in a variety of ways, allowing it to create a score for each person based on their behaviour. This score is influenced by a number of variables, including "have they paid their taxes," "did they run a red light," and "did they post critical comments about the government on social media." People may even be placed on the government's blacklist based on this score. As a result, individuals might be unable to purchase train tickets, enrol in college, or obtain a loan. As a result, how people can live their life is directly determined by the Chinese social credit system. People are forced to behave in accordance with the expectations of the government due to systemic pressure, and any form of opposition is put to rest. People are punished without a trial and have no way of appealing the decision, which is what makes the system so terrifying (Matthias 2019).

Is the Social Credit System considered good or bad?

In my opinion, although it may seem nice to have a country where everyone obeys the rules and do what is right, it also comes with a very big threat which is an invasion of privacy as governments have the power to know EVERYTHING about us. A social credit system will limit people's opportunities, define their lives, create unfairness, affect their conduct and self-censorship, and impair their freedom of speech. The majority of individuals will attempt to present themselves in the best light possible, constantly and everywhere, even in their private discussions, driven by constant surveillance (Matthias 2019).

This I find really sad because people can live in fear of having a bad credit score from the choices they make. Although it encourages good behaviour, it takes away their rights to privacy and takes away their freedom of choice & speech. They are unable to voice out and this can make people feel trapped, monitored and stalked 24/7.

This is the last post of my Tumblr blog! Thank you for the follows & likes. Hope everyone finishes the rest of their assignments and has a great semester break! <3

References:

Matthias 2019, Social credit system in china: why it is so scary, Tutanota, viewed 4 December 2022, <https://tutanota.com/blog/posts/social-credit-system/>.

Donnelly, D 2022, China social credit system explained – what is it & how does it work?, Horizons, viewed 4 December 2022, <https://nhglobalpartners.com/china-social-credit-system-explained/>.

#week 11 #mda20009

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cavernsofdarkness · 1 year

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OMG I WAS THINKING! Ghost sims would make really good holograms …that sound creepy… but anyways especially the blue one. Also what do you think cyberpunk school would look like… sorry I’ve been searching on Pinterest and can’t find anything. Im at a tie with college like sermon with holograms, some where they’re hooked into vr headsets or computers, and just… there is no school. Idk what your thoughts?

(Sending Love … 98% Complete)

I love when people come to my inbox and posit things like this! I have a lot to say, lol.

As a baseline definition, cyberpunk as a genre is a near-future dystopia, defined by the domination of megacorporations, technology and the escalation of class stratification and its ramifications. So, I think there definitely is school and higher education.

Everything below is based heavily on the workings of US school systems.

There is general education through the high school level provided by the district/city but, much like in our own world, the quality of this education is dependent on the wealth of the district. The schools in poorer districts have less funding, and thus less access to technology and different specialties and extracurriculars for study. I imagine that, if you're lucky, there might have been a wealthy benefactor that decided to be generous and fund the operation of the cyberpunk equivalent of a charter school in your district.

The best schools are going to be corporation-owned or private institutions. These are private schools with all of the best amenities and access to the latest technology. Even amongst these schools there's a hierarchy, with the tuition costs reflecting the level of prestige. In Cyberpunk 2077, corporate workers get access to the corporation's healthcare plan; I imagine that getting discounted tuition for your child to the corporation's school is also one of the benefits, thus incentivizing people to join the megacorp machine (like in the US, how a lot of people join the military because they promise to cover the cost of your schooling).

On to higher education. College/university is astronomically expensive (and that's saying a lot considering how expensive it already is *cries in American with student loan debt*). Only the ultra rich, or those with connections can afford it. If you're not in one of the aforementioned categories, the amount of debt you would incur trying to finance education is a life sentence. For reference, there's an ad in Cyberpunk 2077 offering a loan with a 31.1% interest rate (can you imagine!?) and obviously, poorer people with bad or no credit are going to be subjected to the higher rates.

Now, about your ideas on the different manifestations of school, my answer is 'all of the above'! Dictated by funding, a school/business probably employs a mix of all of those methods. Imagine a guest lecturer joining via holo (in-person/physical classes probably cost more), or a netrunning class where they get to experience the net without the risk via a VR simulation. This applies not only to traditional academia, but other skill classes as well (martial arts, pottery, aerial silks, you name it!); just like in our reality, you can take singular classes in whatever you want, for a price.

As a result of everything previously mentioned, I think the majority of people in a cyberpunk reality make it through basic schooling and then engage in nontraditional/nonstandard methods of education. I imagine that some people may find someone who can train them in their desired trade/skill, and a lot of the hackers/netrunners, techies etc. are self-taught. In this vein, just like currently in our world we have access to lots of tutorials via youtube and websites like skillshare etc., the popularity of this has probably only grown and I imagine that training braindances/simulations are commonplace, both in and out of the workplace.

The one time I did a hologram (of a person) I just used a regular sim and edited them in post to get that holo effect. I haven't messed around much with ghost sims; I'm curious about how the ghost sim form would interact with lighting and such. Maybe next time I do a hologram I'll try it and see if I like it. It might save some time if all I have to add are the scanlines, lol.

#Can you tell I like sociology/anthropology lol #cod talks #cyberpunk

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classicquid · 1 year

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aapkabankservices · 2 years

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riisduus24 · 8 days

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tonymattblog · 8 days

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In Conclusion

Exploring the wide range of financial solutions provided by bridge loans reveals their significance as a versatile and powerful tool in navigating transitional phases. Whether you are a startup seeking temporary relief or an established business pursuing extended possibilities, bridge loans offer tailored and accessible financial support. The advantages, including temporary relief, extended possibilities, and diverse applications, underscore their effectiveness in providing timely assistance. Furthermore, the accessibility of bridge loans in the UK through direct lenders like Bridge Direct ensures a streamlined and efficient application process, backed by years of experience and personalized service.

By unlocking the financial solutions offered by bridge loans, individuals and businesses alike can bridge the gap and move confidently towards their financial goals. In your journey towards financial success, understanding the benefits and applications of bridge loans is crucial. As a temporary yet powerful financial lifeline, bridge loans can be the catalyst that propels your business or personal finances to new heights. Don't let financial obstacles hold you back; embrace the possibilities that bridge loans offer and take that decisive step towards securing the financial future you envision.

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patrickcarpet · 8 days

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These 5 VERY EASY Startup Loan For New Business You Can Get No Matter WHAT

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Navigating Business Funding with Bad Credit: 5 Lenders to Consider

As a Credit Specialist, I'm here to provide insights on how you can secure funding for your business, even with a less-than-stellar credit score. Let's dive into five lenders that can help you get started, regardless of your credit situation.

1. Lendesa

Merchant Cash Advance: Lendesa offers freelance cash advances with interest rates as low as 20%.

Eligibility: You'll need to have an annual revenue of over $25,000 (around $1,200-$1,500 monthly) and a credit score of 550 or higher.

Credit Check: Lendesa performs a soft credit check, using third-party credit bureaus like Clarity, DataX, and Factor Trust, to assess your creditworthiness.

Loan Amount: First-time borrowers can qualify for up to $5,000, with the potential for higher amounts as your business grows.

2. Yendo

Vehicle-Backed Loan: Yendo provides loans using your car's equity as collateral, regardless of your personal credit score.

Loan Amounts: Their lines of credit range from $450 to $10,000, and they report to Experian, Transunion, and Equifax to help build your personal credit.

Flexibility: Yendo works with borrowers who own their cars outright or are still making payments, as long as there is equity in the vehicle.

3. Fundo

Merchant Cash Advance: Fundo offers up to $110,000 in funding, catering to freelancers, small businesses, contractors, sellers, and franchises.

Eligibility: You'll need an active business bank account, a minimum of 90 days in business, and a monthly revenue of at least $1,500.

Inclusive Approach: Fundo considers businesses in the MLM (multi-level marketing) and online sectors, which may be overlooked by traditional lenders.

4. Giggle Finance

Quick Funding: Giggle Finance provides up to $5,000 in funding with a simple application process and no credit requirements.

Target Customers: They work with app-based freelancers, gig workers, handymen, beauty salons, and more.

Qualification: You'll need to have been in business for at least 3 months and have a monthly revenue of around $1,200-$1,500.

5. Fair Credit

Business Credit Building: Fair Credit offers a subscription service that helps you establish and build your business credit profile.

Credit Reporting: They report your subscription payments and any loans they provide to major business credit bureaus, including Experian, Equifax, and the Small Business Financial Exchange.

Loan Amounts: Fair Credit's lines of credit range from $500 to $500,000, with a minimum monthly revenue requirement of $2,500.

Remember, while these lenders may offer more flexible options for those with poor personal credit, the interest rates are generally higher. However, if you're in the early stages of your business and need funding to get off the ground, these alternatives can be a valuable resource. As always, it's essential to research and compare your options to find the best fit for your unique situation.

YouTube Source: "Unlock Your Dream: 5 Effortless Startup Loans for New Businesses, Regardless of Circumstances" YouTube Channel: https://www.youtube.com/channel/UCwTiSgSSNPiNANoB2cREAAg Related Content: https://www.pinterest.com/pin/700732023302287292/

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