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toya-matsuzawa · 7 months

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奨学金を滞納しているあなたへ/You are in arrears with your scholarship.

連日、0222117258から着信がありませんか？日本学生支援機構からのハガキが4枚以上溜まっていませんか？すでに残高はマイナスになっていませんか？ Are you receiving calls from 0222117258 every day? Have you accumulated more than four postcards from JASSO? Is your balance already negative? 一つでも当てはまっている方、まずは大丈夫でしょうか。体調は問題ないですか？食べれていますか？寝れてますか？ If one or more of the following applies to you, first of all, are you OK? Are you feeling well? Are you eating? Are…

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f5uzriddk · 1 year

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x62egmzsglfg · 1 year

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kit10phish · 1 year

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Maybe not "spoiled and rich" but people getting into veterinary school ARE privileged

Maybe not “spoiled and rich” but people getting into veterinary school ARE privileged

I saw my first entry on this subject pop up on my recently read posts, and thought it was high time I addressed the feedback I received for it. I know people got a bit heated, and denied that they were entitled in any way. My word choice may have been misogynistic and overly harsh, but what I was trying to say holds true. I stand by my assertion that people with access to veterinary school ARE…

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#animals #application #career #co-signer #debt #experience #finances #job #loans #money #private loans #privilege #residency #school #student loans #tuition #vet #vet school #veterinary #work

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flaniganleblanigan · 1 year

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Can someone with disposable income co-sign for my loan lmao no really I graduated this year and have been looking for a job and it’s tough out here. I’ve gone through my funds and im behind on bills so I was going to get a $5000 loan in the meantime to support myself. But you can’t get one without either a) a verifiable income or b) a co-signer. I have no one I can ask to co-sign, so here I am 🙃 tbh I’m embarrassed to even put this out there but ya girl is in a bind and I need a miracle to happen

Ps if anyone is willing to co-sign for me I’ll send them my resume, degree, LinkedIn page, credit score, anything to prove how serious I am!!!

#I got a bachelors degree just to be told I need a masters and four years experience #rich people #please #help #me #personal #seriously ya girl is going through it and doing everything I can #help a sister out #co-signer #needed

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emissary-of-the-moon · 2 months

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Yayyy guess who got approved for a place to live

#i need a co signer tho #that's the only catch #erm tomorrow morning me problem #moon emissary talks

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marisatomay · 2 years

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I simply NEED to know what those allegations are that Tom Cruise isn't beating, I occasionally see a post with that tagged and I'm just like *eyes emoji*

#i’ve had three co-signers on this post so away we goooooooooooo #can’t litigate your way out of this forever tommy!!!!

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malacheezyy · 4 months

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Hey, hey hey, I has question!

.

I don't wanna make you uncomfy, am I allowed to tease you (when the mood strikes not rn)

You can tease me back (if you so choose too) but I wanna make sure you don't get uncomffyyyy

- A very Neutral Lost

yeag :3

#this asking for permission shit is so nice it makes me giggle #like ofc pookie <3 #theres not many things that make me uncomfy #if anything does frfr #i'm like- free range #LIKE A CHICKEN #I'M GIGGLING #i just woke up i'm a little silly #but yeah you can tease if you want aslkjask #i'm more of an instigator and a co-signer than a teaser tho (full lee moment clown emoji)#THIS LOWK FLUSTERED ME THO LIKE. YOU WANNA TEASE ME?? ME???? WHAR???? GIGGLES?????#clowny clown boy clown behavior clown

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robertsbarbie · 9 months

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you’re laughing, i need to apply for a car loan i’ll probably get rejected by but instead decided to work on a new playlist and you’re laughing

#eris: text #i’ll probably get rejected because i don’t have a co signer and no other form of income yet

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ivygorgon · 23 days

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AN OPEN LETTER to THE U.S. HOUSE OF REPRESENTATIVES

Co-sponsor H.R. 732, the Save Medicare Act.

802 so far! Help us get to 1,000 signers!

As a constituent, I'm emailing to ask you to co-sponsor H.R. 732, the Save Medicare Act.

Medicare Advantage plans use deceptive marketing to oversell and overcharge for their private health care plans, and then under deliver on care. These private insurers are using government funding to increase their own profits, at the expense of their patients. And they take so much from the Medicare trust fund, that it’s threatening the solvency and future of traditional Medicare.

Congress must act to rein in Medicare Advantage, and should start by giving it a more accurate name. It is not Medicare and should not be advertised as such. The Save Medicare Act would force these plans to stop using “Medicare” in their name and would establish penalties for private insurers who don’t comply. Seniors and people with disabilities deserve to have this level of transparency when choosing their health care.

Please protect traditional Medicare by cosponsoring this bill.

▶ Created on April 4 by Jess Craven · 801 signers in the past 7 days 📱 Text SIGN PWAYKR to 50409

🤯 Liked it? Text FOLLOW JESSCRAVEN101 to 50409

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sarlovesu · 2 months

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i just signed the lease to my first apartment 🥹 it’s the most beautiful little house and it’s all mine and i never thought i’d ever get this far. my move in date is my birthday 🥳

#it’s a whole house #a whole entire house with a yard and a porch and a driveway #i have a house 🤯#sar #me!!#my dreams are all coming true this year i can’t even fathom #i have my dream job #a boyfriend who’s gonna be my husband one day #my first house #like. what #how is this even real #🥹❤️#and i did it all on my own #my money my hard work #no co-signer #im so proud of myself #i wish i could go tell myself from last year that all this would be happening

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kiska-enthusiast · 3 months

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talked to my sister this morning

#I have so many things to say idk where to even begin #talking to her makes me want to start smoking cigarettes #complete lack of awareness #she’s so privileged and she blatantly denies it #like babe… our dad paid for two cars for you!!! he let me buy a car with a 20 percent interest rate and no co-signer #your car is in his name!! and you pay less than half of the monthly payment!!!#he paid for your first two semesters of college!!! I’ve paid for ALL of my schooling by my fucking self #and you defend him!#he forgets about me all the fucking time and you make excuses for him #the only reason you’re able to do all the things you do is because our dad loves you more and funds your life #that motherfucker hasn’t given a shit about me in years lol #it’s not her fault I suppose that my dad cares more about her #but damn! fuck me I guess!#sorry didn’t mean to get personal on main #everyone salute your local eldest daughter pls #not gvf #m speaks

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liberaljane · 2 months

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Women's Not So Distant History

This #WomensHistoryMonth, let's not forget how many of our rights were only won in recent decades, and weren’t acquired by asking nicely and waiting. We need to fight for our rights. Here's are a few examples:

📍 Before 1974's Fair Credit Opportunity Act made it illegal for financial institutions to discriminate against applicants' gender, banks could refuse women a credit card. Women won the right to open a bank account in the 1960s, but many banks still refused without a husband’s signature. This allowed men to continue to have control over women’s bank accounts. Unmarried women were often refused service by financial institutions entirely.

📍 Before 1977, sexual harassment was not considered a legal offense. That changed when a woman brought her boss to court after she refused his sexual advances and was fired. The court stated that her termination violated the 1974 Civil Rights Act, which made employment discrimination illegal.⚖️

📍 In 1969, California became the first state to pass legislation to allow no-fault divorce. Before then, divorce could only be obtained if a woman could prove that her husband had committed serious faults such as adultery. 💍By 1977, nine states had adopted no-fault divorce laws, and by late 1983, every state had but two. The last, New York, adopted a law in 2010.

📍In 1967, Kathrine Switzer, entered the Boston Marathon under the name "K.V. Switzer." At the time, the Amateur Athletics Union didn't allow women. Once discovered, staff tried to remove Switzer from the race, but she finished. AAU did not formally accept women until fall 1971.

📍 In 1972, Lillian Garland, a receptionist at a California bank, went on unpaid leave to have a baby and when she returned, her position was filled. Her lawsuit led to 1978's Pregnancy Discrimination Act, which found that discriminating against pregnant people is unlawful

📍 It wasn’t until 2016 that gay marriage was legal in all 50 states. Previously, laws varied by state, and while many states allowed for civil unions for same-sex couples, it created a separate but equal standard. In 2008, California was the first state to achieve marriage equality, only to reverse that right following a ballot initiative later that year.

📍In 2018, Utah and Idaho were the last two states that lacked clear legislation protecting chest or breast feeding parents from obscenity laws. At the time, an Idaho congressman complained women would, "whip it out and do it anywhere,"

📍 In 1973, the Supreme Court affirmed the right to safe legal abortion in Roe v. Wade. At the time of the decision, nearly all states outlawed abortion with few exceptions. In 1965, illegal abortions made up one-sixth of all pregnancy- and childbirth-related deaths. Unfortunately after years of abortion restrictions and bans, the Supreme Court overturned Roe in 2022. Since then, 14 states have fully banned care, and another 7 severely restrict it – leaving most of the south and midwest without access.

📍 Before 1973, women were not able to serve on a jury in all 50 states. However, this varied by state: Utah was the first state to allow women to serve jury duty in 1898. Though, by 1927, only 19 states allowed women to serve jury duty. The Civil Rights Act of 1957 gave women the right to serve on federal juries, though it wasn't until 1973 that all 50 states passed similar legislation

📍 Before 1988, women were unable to get a business loan on their own. The Women's Business Ownership Act of 1988 allowed women to get loans without a male co-signer and removed other barriers to women in business. The number of women-owned businesses increased by 31 times in the last four decades.

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📍 Before 1965, married women had no right to birth control. In Griswold v. Connecticut (1965), the Supreme Court ruled that banning the use of contraceptives violated the right to marital privacy.

📍 Before 1967, interracial couples didn’t have the right to marry. In Loving v. Virginia, the Supreme Court found that anti-miscegenation laws were unconstitutional. In 2000, Alabama was the last State to remove its anti-miscegenation laws from the books.

📍 Before 1972, unmarried women didn’t have the right to birth control. While married couples gained the right in 1967, it wasn’t until Eisenstadt v. Baird seven years later, that the Supreme Court affirmed the right to contraception for unmarried people.

📍 In 1974, the last “Ugly Laws” were repealed in Chicago. “Ugly Laws” allowed the police to arrest and jail people with visible disabilities for being seen in public. People charged with ugly laws were either charged a fine or held in jail. ‘Ugly Laws’ were a part of the late 19th century Victorian Era poor laws.

📍 In 1976, Hawaii was the last state to lift requirements that a woman take her husband’s last name. If a woman didn’t take her husband’s last name, employers could refuse to issue her payroll and she could be barred from voting.

📍 It wasn’t until 1993 that marital assault became a crime in all 50 states. Historically, intercourse within marriage was regarded as a “right” of spouses. Before 1974, in all fifty U.S. states, men had legal immunity for assaults their wives. Oklahoma and North Carolina were the last to change the law in 1993.

📍 In 1990, the Americans with Disability Act (ADA) – most comprehensive disability rights legislation in U.S. history – was passed. The ADA protected disabled people from employment discrimination. Previously, an employer could refuse to hire someone just because of their disability.

📍 Before 1993, women weren’t allowed to wear pants on the Senate floor. That changed when Sen. Moseley Braun (D-IL), & Sen. Barbara Mikulski (D-MD) wore trousers - shocking the male-dominated Senate. Their fashion statement ultimately led to the dress code being clarified to allow women to wear pants.

📍 Emergency contraception (Plan B) wasn't approved by the FDA until 1998. While many can get emergency contraception at their local drugstore, back then it required a prescription. In 2013, the FDA removed age limits & allowed retailers to stock it directly on the shelf (although many don’t).

📍 In Lawrence v. Texas (2003), the Supreme Court ruled that anti-cohabitation laws were unconstitutional. Sometimes referred to as the ‘'Living in Sin' statute, anti-cohabitation laws criminalize living with a partner if the couple is unmarried. Today, Mississippi still has laws on its books against cohabitation.

#art #feminism #women's history #women's history month #iwd2024 #international women's day #herstory #educational #graphics #history #70s #80s #rights #women's rights #human rights

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privoapp · 7 months

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Salaried vs. Self-Employed: Who Has an Easier Time Getting a Personal Loan?

When it comes to securing a personal loan, whether it's for unforeseen medical expenses, home renovations, or planning a dream vacation, the employment status of an individual plays a significant role in the loan application process. Salaried and self-employed individuals have distinct financial profiles, and these differences can impact their eligibility and ease of obtaining a personal loan. In this article, we will delve into the nuances of the loan application process for both salaried and self-employed individuals.

Personal Loan for Salaried Individuals

The Benefits

Salaried individuals enjoy certain advantages when applying for a personal loan. These include:

Stable Income: Lenders often perceive salaried employees as having a stable and consistent source of income. This predictability makes them attractive candidates for personal loans.

Ease of Documentation: Salaried employees typically have a straightforward documentation process. They can provide income proof through salary slips and bank statements, making it easier for lenders to assess their creditworthiness.

Lower Interest Rates: Salaried individuals may be eligible for lower interest rates compared to their self-employed counterparts, as they are considered less risky by lenders.

Instant Personal Loans Online: Many financial institutions offer instant personal loans online for salaried employees. These loans can be applied for and approved rapidly, providing quick access to funds when needed. Instant personal loan online for salaried employees is a convenient option.

The Challenges

However, salaried employees may face certain challenges in the personal loan application process:

Limited Loan Amount: Salaried individuals may have limitations on the loan amount they can qualify for, depending on their salary and credit history.

Eligibility Criteria: Lenders may have strict eligibility criteria that salaried employees must meet, such as minimum monthly income requirements.

Personal Loan for Self-Employed Individuals

The Benefits

Self-employed individuals, on the other hand, have their own set of advantages when applying for personal loans:

Flexibility: Self-employed individuals have greater flexibility in terms of income sources. They can showcase multiple revenue streams, which can enhance their creditworthiness.

Higher Loan Amounts: Self-employed individuals can potentially qualify for higher loan amounts, especially if they have a robust business and income history.

The Challenges

Yet, there are challenges that self-employed individuals may encounter:

Documentation Complexity: The documentation process for self-employed applicants can be more complex, as they need to provide business-related documents, income tax returns, and other financial records.

Higher Interest Rates: Due to the perceived higher risk associated with self-employment, these individuals may face slightly higher interest rates on their personal loans.

Inconsistent Income: Self-employed individuals may experience fluctuations in income, which can make lenders more cautious when assessing their ability to repay the loan.

Conclusion

In the end, the ease of getting a personal loan depends on various factors, including an individual's financial history, credit score, and the lender's policies. Salaried individuals often have a more straightforward application process, while self-employed individuals may need to provide more extensive documentation. However, both groups can secure personal loans tailored to their needs.

If you are a salaried employee in need of a personal loan, you can explore options like personal loans for salaried employees to find a suitable lender that caters to your specific requirements. Similarly, self-employed individuals can find lenders who specialize in catering to their unique financial situations.

Ultimately, whether you are salaried or self-employed, understanding your financial position and choosing the right lender can significantly increase your chances of obtaining a personal loan that meets your needs.

#Personal loans with low credit score #Salaried employee loans #Loans for salaried individuals #Credit improvement strategies #Co-signer for personal loan #Secured personal loans #Financial advice for low credit score #Credit counseling for loans #Salaried personal loan options

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softlyfiercely · 1 year

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DO NOT VOLUNTEER TO BE A CO-SIGNER OR GUARANTOR FOR SOMEONE ON TUMBLR.

I just saw a 'mutual aid' post going around where instead of asking for donations, the person was asking someone to be a "guarantor" - also known as a "co-signer" - for their rent.

DO NOT DO THIS.

I am all for mutual aid. I think credit scores are a scam designed to fuck poor people. I get it. I do. BUT. Being a guarantor/co-signer for someone basically means that if they don't pay what they owe, for whatever reason, their landlord, bank, creditors, etc. can and will come after you for the full amount.

It seems like such an easy way to help someone. You don't need to pay any money, just lend them your name and good reputation so they can get permission to borrow and spend their own money. It feels like you're getting one over on the shitty capitalist system and using your privilege of good credit/income to help someone else.

But it is a HUGE risk. Do not do this. All it does is give that shitty system more ways to get their hooks into you and create tons of problems for you down the line.

You can really fuck yourself over in the long run by getting tangled up in a financial situation like this. Even co-signing for someone in your life who you trust, like a sibling or a parent, can be really risky. No matter how much you trust someone not to purposefully leave you holding the bag, now you're on the hook if they end up with financial problems neither of you anticipated.

Do not co-sign for another person's loan, car, rent, etc. unless you are able and prepared to pay the full amount or subject yourself to the mercy of whatever that person gets themselves into.

ESPECIALLY do not do this for someone on the internet, where scams are rife. Do not share your personal information with people online and NEVER allow someone else to use your personal information for their finances.

Here is an article with more information.

#signal boost #mutual aid #personal finance #financial literacy #scams

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easycarfinance · 1 year

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Bad Credit Car Buyers! Keep your Co-signer in the Know

Getting a car loan is a challenging task if you are someone with a bad credit score. It is difficult for lenders to trust someone with a bad credit score as they have a history of failing to make timely payments. It increases the lender’s risk.

One way of reducing the risk is to have a considerable amount to pay as a down payment. However, if you cannot arrange a down payment, you can always find a co-signer and convince the lender to approve the loan application. They can become your savior in getting a bad credit auto loan.

A co-signer is a person who agrees to make the monthly payments on your behalf if you fail to do so. They do not own the car but are liable to pay off the loan if you fail to make payments.

Finding a co-signer is difficult because you need someone to take financial responsibility for your car-buying decision. Usually, a person who trusts you, such as a friend, family member, or spouse, becomes a co-signer for the bad credit auto loan agreement.

In addition to willingness, one should have a good credit score to qualify as a co-signer. Also, their debt-to-income ratio should be on the lower side to ensure the lender of regular payments.

Keep the Communication Channel Open with your Co-Signer

A co-signer trusts you with their credit score. If you do not make timely payments, the burden of your auto loan falls on them. And, if they cannot pay off the lender, their credit score can take a hit.

To an extent, their financial health depends on you making regular monthly payments towards your car loan. So, even before they enlist themselves as your co-signer, you must discuss your car budget and financials with them. Please provide a clear picture of your financial situation so they can make a well-informed decision. It will save you from future conflicts and bitterness.

Also, they should have a copy of the auto loan agreement. If you miss out on monthly payments, inform them so they can pay off the same on time. If you plan to sell the car before the loan ends, you must notify your co-signer. Even when you trade in your vehicle for a newer model or decide to refinance the car loan, discuss the implications with your co-signer.

So, it is necessary to communicate all information related to your vehicle with the co-signer. They may not be a co-owner or a co-driver listed on the insurance, but your auto loan can affect them severely.

What to do if you don’t find a Co-Signer?

Finding a co-signer is difficult because the co-signing process involves substantial financial commitments. It may help you to qualify for a bad credit auto loan and reduce the interest rate, but it is a financial burden for your co-signer. Also, it becomes your moral responsibility to pay off the loan on time because someone else’s credit score is on the line. So, think before you ask someone for help.

If you are unable to find a co-signer, do not lose hope. There are many online auto financing companies that offer bad credit auto loans without a co-signer. Apply with a reputed lender to buy a car without the clause of a co-signer.

Online auto lenders promise no co-signer auto loans for people with credit issues. Apply now for guaranteed auto credit approval.

#no co-signer auto loans bad credit auto loans without a co-signer guaranteed auto credit approval

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