Super Small Business Saturday!

Hello! I am technically a small business so please consider purchasing from my Ko-Fi shop! I make every item in house - literally print, laminate and cut - and the proceeds are going towards the legal fees I have regarding my bankruptcy. Had to pay to file a legal document that says I have no money. Capitalism, right?

Anyway, I have a bunch of the prayer candle style stickers available now. There are a TON of options so please check them out. Best Friends, The Elite, Blackpool Combat Club, MJF, Willow, Toni Storm. The list goes on. Oh, and there’s someone you’d like to see in this style that isn’t on my page - feel free to shoot me a message!

There’s also one of my personal faves - the Taz traditional tattoo style “Digress Jones” as well as 5 different color options for the Wrestling Heart.

Here are just a few examples of these things.

SHOP HERE

── REALITY CHECK ❕️ PROLOGUE

Banner credits to @maiverie

SYNOPSIS › Shocked by the sudden revelations, yn realizes that she has been pulled into another world belonging to her favourite reverse-harem novel as the female lead’s best friend. Content with her new life, she excitedly watches from the sidelines knowing every single encounter in the novel would be unravelling right in front of her. However, as time goes on, she slowly comes to the horrifying realization that the characters she seemingly idolized are not who they seem to be.

word count: 468

"Love operation" — A trendy romance novel that’s a staple in every novel fanatic’s reading list. From its realistically drawn character sketches to its beautiful cover, the novel is all the rage. The story entails its stunning protagonist, Yui, who by her family’s misfortune, gets the chance to transfer to a private boarding school on a secluded island — Decelis Academy. It is a school for the elite, but fortunately, certain selected students who are lucky enough would receive scholarships to study among the top of the top.

However, these students are usually the outcasts — bullied for their low standing in society.

And Yui was one of them. Back in her previous school, She was known for her outstanding academics, but the girl lived with her parents, who fought about bankruptcy and struggled to support her.

Though her family proceeded to lose everything, Yui instead received the chance of her life — an opportunity that presented itself after all her hard work in school. She had received an offer to study at Decelis academy on a full scholarship.

And maybe that’s why everyone was jealous.

Yui, like every female lead was smart and beautiful, but most importantly, she caught the eyes of the four most desirable students in her school — the four male leads.

First, there's Park Sunghoon, the “prince” of the school whose cold demeanor had everyone on their knees for him.

Then there's, Park Jongseong, better known as “Jay” who was the eldest son and heir to Park Cooperation. Though the boy was well known for his wealth, he was best recognized as the star player on Decelis’s football team.

Of course, there’s no forgetting about Sim Jaeyun, the smartest student at Decelis. His academic achievements were no doubly the highest in their country and he was also given multiple opportunities to study abroad. Jaeyun was everyone’s first love — His kind aura and gorgeous bright smile had people falling left and right for him.

And last but not least, there’s the captain of the football team, Lee Heeseung. Though readers think he was one of the kinder male leads along with Jaeyun, the novel always suggested something darker in his characterization that was never truly explored. The boy was dangerously handsome and was known to be a big tease. However, he’d often grow very strict when it came to his captain duties.

In the novel, the four boys each try their best to protect Yui, who is often a victim of school violence.

Then there’s the development of picture-perfect love. Each boy falls madly in love with Yui, and all try their best to win her heart.

It’s a fictional novel about the war of love and friendship bonds.

So why the heck were you standing in a classroom so familiar to the one depicted in “Love operation?!”

✰. MASTERLIST / NEXT

TAGLIST (OPEN)

@msxflower @dearhee

[ ☆ ] — authors note: the prologue is out! I'll publish the profiles soon :D feel free to lmk what you think

Trump’s Financially Troubled ‘Truth Social’ Facing Key Funding Deadline

A complex deal to take Donald Trump’s social-media platform Truth Social public faces a crucial test next week that could determine whether it becomes a multibillion-dollar company that the former US president once vowed would stand up to “big tech,” or just languish in financial limbo.  Trump’s Truth Social network’s “blank check” ally Digital World Acquisition, once considered a stock-market star, is now just days away from potential total liquidation.  

Ah, what shame!  It seems Humpty Trumpty is falling down.  Now, a lot of people will claim Donald Trump is totally useless, but I disagree.  They all seem to forget there are two things Trump does extremely well - spending other people's money and conning morons.  They say suckers are “born” every minute - and Trump is right there in the nursery to reel them in.  That said, you didn’t exactly have to be Nostradamus to figure out how this grift would end. 

You’d think six previous bankruptcies would’ve raised a red flag or two for these “investors.”  Hell, if these folks over at “Truth Social” were being completely “truthful,” they’d have named the platform “Lying Through My Teeth Social,” or perhaps “Spoof Social.” The only real “truth” about Truth Social” is that they're headed for bankruptcy.  And to think poor MAGA sycophant Marjorie Trailor Greene had $50K invested.  Damm shame, if you ask me, although I don’t think she will.

Gee, this Donald Trump fellow sure has the magic touch, doesn't he?  Now, I wouldn’t call it a “Midas Touch,” but its a “touch,” just the same.  Wonder what’s next, “Trump Tacos?”  Those might help coat your stomach if you’re hammering down Trump Vodka to drown your sorrows over all the money you’ve lost. Now, the big question is, how long before Trump and his pals start blaming some nefarious, secret "Deep State" agency for the collapse of his shining bastion of "free speech?”  After all, Trump is usually all winning, winning, winning. 

The way I see it, about the only positive thing about this whole Trump MAGA phenomenon - is that we now know who the monsters are who’ve been living among us all along.  Oh sure, its true they love him, but the fact is, they love him most when he’s busy breaking china and glassware.  I mean, they have to know he’s a fraud, but hey - he hates all the same people they hate, which makes it all OK.  So they keep sending him money.  Apparently, you really can fool some of the people - “all of the time.”

If you’ve enjoyed what you’ve just read, please consider joining me at:

Lunch break rant: journalism

Maybe this is where I inadvertently reveal myself to be a shit lord, but one of the podcasts I regularly listen to covers media and journalism. They ran a piece last week from The New Yorker that was an interview with the editor of the New York Times. And just. I felt disgusted after listening to it.

The interview, essentially, was about how the NYT drastically turned around their readership. They were allegedly on the verge of bankruptcy but changed course to become the significant enterprise they are today. The editor took a pretty hardline neoliberal stance on journalism that made me grimace. Primarily, it was the focus on reporting news as straight facts without taking a stance on the matter. He went so far as to claim fair treatment to all political sides and refused to state his own affiliations, despite implying the NYC location would skew a certain way. He even proudly stated they recently added an evangelical Christian to their staff.

Like.

That's such an awful stance to take, but especially for journalists. Is it not duty of journalism to inform responsibly? If you try to treat all sides equally and straddle the line, regardless of how true what you are reporting is, then you are giving equal weight to opposing statements. This is how circumstances like the 2016 US election came to be. Treating opposing parties as moral and factual equals is a disservice to all of your listeners. You give credibility to outlandish positions by even presenting them as a valid. Current political climates demand outrage as buy-in. We get pundits and politicians who engage their firehouse of bullshit because it's impossible to fact check everything, and as long as a shred of truth is present, the media will offer a podium.

The NYT editor danced around this, but hit hard on the need for funding. The quiet part, here, is that they are the same thing. The NYT charges a paywall to access their content, further limiting accessibility to news. The paywall acts as an enhancement to their credibility; this is premium journalism that you must pay for, it must be true. And then they provide the most asinine centrist takes possible to not piss off those who are willing to shell out for a news website.

I don't know what the solution is and I won't pretend to. I wish I lived in a world where people saw journalism as a noble profession of service to civilization. But more and more lately the above tactics leave people annoyed and disillusioned with journalists. They see skeevy slime balls looking to incite outrage for profit, ignoring the slow shift these pundits take from journalist to "entertainer." I yearn for solid reporting like a sort of golden age, Upton Sinclair or Bob Woodward. Those who bring to light massive stories for the good of people and not their own bottom line.

Why is that gone? Why do people not care? How can true journalism exist in a society so capitalistic that the drive to remain "independent" means to sell out your own morals? Government intervention is just as dangerous as to this profession as the free market is, so what is the answer?

Short Term Loans UK: A Common Source of Funds for Borrowing

Even when your paycheck is a long way off, you still need to pay your bills on schedule. Be at ease! One common way to borrow money is through short term loans UK. All you need to do is fill out the online form and give the lender your information for verification. The lender will deposit the money directly into your bank account the same day or the following business day if all of the information is validated. Since the internet mode is a free media, it saves you both money and valuable time.

You are permitted to withdraw short term loans UK in the range of £100 and £1000. You can take care of your essential financial demands, which include paying for household expenses, credit card payments, and overdrafts in your bank account, medical bills, electricity bills, grocery store bills, and much more.

In order to easily receive a large sum of money through short term loans UK, you must meet all of the requirements given below.

• You must have a current UK resident document.

• You need to be receiving your salary into your account through direct deposit on a regular basis.

• The minimum age requirement is eighteen years old.

If you meet all the requirements listed above, you can still acquire short term loans UK direct lender without having to go through the credit check process, even if you have poor credit. Therefore, in order for fair credit holders to be eligible for financing through these loans, your bad credit factors—such as defaults, arrears, foreclosure, late or missed payments, CCJs, IVAs, or bankruptcy—must also be taken into consideration.

Can I Receive the Funds from My Short Term Loan the Same Day?

Often, the response is in the affirmative. Our short-term lending approach is designed to be as quick and entirely online as feasible. In the end, nevertheless, we are unable to ensure that you will receive your money the same day. This is due to the fact that Payday Quid, acting as short term loans direct lenders, forwards your loan request to one of our affiliated lenders. This implies that they have the last say and control over how quickly certain steps are completed.

We can assure you that we will use every effort to ensure that you receive a same-day outcome, and this frequently occurs. Yet even if it doesn't arrive that day, we promise it will arrive quickly!

Payday Quid is your short-term backup

We want you to know that whenever things get tough financially, we're always here to support you. We're here around-the-clock to assist you in obtaining the funds you require to bring stability back to your life and wallet, regardless of your credit score.

A same day loans UK could be the difference between life and death. It can help you save money by allowing you to pay off a bill before it balloons into something larger, like late fees or severe damage to your property or car.

Short Term Loans UK, Same Day Loans UK, Short Term Cash Loans

Short Term Cash Loans: Always Have Money in Your Wallet

The days of being able to apply for short term cash loans Monday through Friday from 9:00 AM to 3:30 PM are long gone. Everything has now altered, and lenders have updated to make things easier and more comfortable for customers. Consumers can now apply for short term cash loans seven days a week, 24 hours a day. For those who lack a debit card, short term cash loans are a popular alternative. Customers can apply for these loans without pledging any collateral, too.

Short term loans lender fall under the category of short term cash loans and are available to borrowers with a variety of credit scores for small amounts between £100 and £1,000. You have 30 days to return the money because of the short repayment term. Additionally, you are free to utilize the money for unexpected auto repairs, home loan installments, medical bills, utility bills, grocery bills, child care costs, and other needs.

Regardless of credit scores, adhere to certain requirements before applying for short term loans UK direct lender. It is your home in the United Kingdom. It is your eighteenth birthday. You have a full-time work that pays at least £1000 per month, and having an open checking account is necessary in order to receive the direct deposit of funds. Your credit score may be negatively impacted by defaults, arrears, foreclosure, late or missed payments, CCJs, IVAs, or bankruptcy. Nevertheless, you can still get the best possible loan terms without having to go through a laborious application procedure.

The most convenient approach for consumers to apply for short term loans UK direct lender right away is through an online application. You don't have to leave the comforts of your home or office to access your loan online. An application must be completed and submitted. In the shortest amount of time possible, the lender will deposit your money directly into your bank account as soon as he declares the loan.

How can we assist you if you're trying to find Short Term Loans UK?

Having gained knowledge about the distinctions between brokers and direct lenders, you are undoubtedly attempting to determine how Classic Quid fits into this overall scheme. Let's take a closer look.

In the UK, we serve as a broker for more than 50 direct lenders. Payday loans are offered by some, while short term loans UK that last several months or even years are offered by others. This implies you can connect to the most competitive direct lender we could locate on the market right now by using our free service—yes, using us is always free.

Filling up our form just takes two minutes. In order for lenders to determine how much you can afford to borrow, you can choose the short term loans direct lenders amount you wish to borrow, your loan duration, and some personal information. Tell us why you're seeking for a lender to provide a loan, and we'll take care of the legwork to identify the best possible loan for you. It's time for you to get some tea while we search!

I released version 0.8.0 of The Idle Class today! I haven't talked about it a whole lot on here, so if you're not familiar, it's a free browser-based idle game I put out years ago, well before The Salt Keep.

It's all about clicking buttons, earning achievements, and experiencing the grotesque horrors of capitalism. It's the kind of game you can play aggressively or check in on now and then, and it'll last you months if you want it to.

This update has:

55 new Upgrades

105 new Achievements

A new Business Goals feature, which lets you set an earnings goal for your next business (plus some optional caveats), and offers a significant bonus to your Next Bankruptcy Multiplier if you meet it, or a small penalty if you don't.

A new Business Cartels feature, which allows you to unlock an overall earnings bonus derived from the total listed at the Small Gray Games Patreon. It's positively communal!

A new Bankruptcy Obstacles feature, which allows you to choose from various Obstacles to burden you in your next business in exchange for a bonus to your Training Seminars. This one has the potential to balloon into all kinds of side features.

This update has been a long time coming. I'll be back to some other narrative projects now, which I can hopefully announce before too long. I'll probably post here a lot more once I do.

#YearofRabbit California Policy Dream List for Working Families

One year ago, I joined the Working Families Party to expand its organizing to the largest state in the nation- California.  Tasked with the goal of activating an electorate which overwhelmingly voted for Bernie Sanders for President in 2020 and identifying and winning candidates who actually represent the working families of California, we got to work.

California Working Families Party endorsed 59 candidates in the 2022 election cycle and hosted more than 300 events– doorknocking, phonebanks, text banks and virtual townhalls to support them.  In a promising story of California’s future, 56 of our WFP endorsed candidates identify as people of color and the majority are women.

Read more...

In our inaugural year, eight California Working Families Squad Legislators, committed to fight for tenant protections, climate justice and fair wages won, expanding our corporate free squad in Sacramento from two to eight.  While Democrats dominate California, too many legislators have sided with big money, choosing Big Oil or Big Pharma over the health of our communities. In fact, Big Oil (more on this later), is the biggest political spender in California funding 78 out 120 state legislators.

Six Working Families mayoral candidates won,  Karen Bass for Los Angeles Mayor, Paloma Aguirre for Imperial Beach Mayor,  Ulises Cabrera for Moreno Valley Mayor, Eduardo Martinez for Richmond City Mayor, and Rex Richardson for Long Beach City Mayor and Sheng Thao for Oakland Mayor. (Check out our GOTV Rally for Karen Bass for Los Angeles Mayor with Senator Bernie Sanders co-hosted by the California Working Families Party!)

California WFP also backed progressive champions for Board of Supervisors, City Council and Board of Education races to impact local communities and build a pipeline of candidates for higher office.  This is a promising bench in California where three out of four eligible voters under 30 is a person of color. 

California Policy Dream List 2023-2024

“Liberals want to do nice things. And progressives understand that you have to take on powerful special interests to make it happen.” U.S. Senator Bernie Sanders

Winning office is not our goal. Winning a Working Families policy agenda which lifts all working Californians is our goal.  As we enter #YearofRabbit, a zodiac animal known for steadily moving towards their goal, here’s my California Policy Dream List- winnable, fundable + impactful.

1. Grow our California Squad to 20 by 2026, ensuring corporate free, Working Families champions make up ⅙ of our California legislature.  

While this may seem small, a group of 20 courageous and energetic leaders can move an agenda while activating and organizing our base.  They can shine a light on the corporate backed legislative agenda and introduce a peoples first policy agenda to positively impact the lives of everyday Californians.

2. Medicare for *ALL* Kids

At least 4M children across our nation lack access to health care today. While our ultimate goal is Medicare for ALL, starting with children is a good start. Imagine a world where all newborn babies, rich and poor, go home with a name, birth certificate and health insurance.

Providing children with health care is relatively cheap. The average child's medical needs, including vaccines and checkups, are routine, low-cost and preventative. Children make up a quarter of the U.S. population, but generate less than 12% of total health care spending and children would improve Medicare’s financial profile by lowering average costs.

Guaranteeing coverage for all kids would benefit all families– low-income and working-class families would be enrolled automatically without paperwork or expensive outreach and education programs in multiple languages. Medicaid is currently the third-largest anti-poverty program, responsible for raising 2 to 3M people out of poverty— reducing medical debt and bankruptcies. Medicare for Kids is also a subsidy to middle-class families who currently spend money on co-pays for visits and medication and sometimes significant or unaffordable deductibles. In fact, private health care does not guarantee access to care when out of pocket costs effectively eliminate access.  In addition, all children will get continuous, uninterrupted care with a familiar doctor instead of getting yanked in and out of coverage due to parent’s change of employment, job loss or change in income.  

Finally, we will raise a generation of voters who will not view Medicare as a socialist fantasy or nightmare but a generation which will have normalized a single payer healthcare system.

Oh, it’s also popular. According to a 2019 poll by Data for Progress poll, 80% of registered Democrats support Medicare for Kids.

3. Take on Big Oil

Big Oil is the biggest political spender in California, yet most voters in our blue state are unaware of the power the industry holds in Sacramento.  78 out of 120 California legislators, Republicans and Democrats, accepted oil money.  California is the 7th largest oil producing state and continues to approve fracking permits as wildfires and smoke choke our communities. Worse, over 7M Californians live within one mile of an active oil well, putting them at greater risk of asthma, cancer and early births.

After a decade of organizing, this past September, the California legislature finally passed a bill (SB 1137) to ban NEW oil drilling within 3200 feet of homes, schools and playgrounds and within days, Big Oil announced they were gathering signatures to repeal this bill. Other billionaire corporations also unhappy with policies to support workers, gathered signatures to overturn AB 257, a first in nation bill to establish sectoral bargaining for fast food workers. Both have qualified for the November 2024 ballot.  

We can defeat those pro-corporate ballot initiatives and go on offense. Finally tired of $8/gallon headlines, Democrats announced they would introduce a bill to penalize oil price gouging. Financial reports revealed that the five companies producing 97% of all of California’s oil and gas, quadrupled their profits in the first nine months of 2022. California had the highest gouge gap in the nation–billions of dollars went from the pocketbooks of hardworking Californians only to enrich billionaire CEO’s and shareholders. It’s time to fight back.

4. Raise the Minimum Wage: One Job Should Be Enough

The Fight for 15 had real, measurable impacts on workers' pay.  This January, California’s minimum wage rose to $15.50 and an estimated 5.6M Californians will earn at least $20B more, an amount larger than all of California’s major public assistance programs combined.

Yet, we have still not kept up with the living wage needed across California.  There is not a single county where a minimum wage worker can afford to rent a two bedroom apartment for themselves and their family. New York and Rhode Island introduced $21/hour and Idaho and Massachusetts introduced $20/hour. California can and should continue to lead this fight for minimum wage workers, the vast majority of whom are women.

And we should raise the minimum wage for all workers including incarcerated inmates who currently make pennies on the hour for jobs which include fighting California’s wildfires.

5. Tax Extreme Wealth

During the pandemic, billionaires grew $2 trillion while millions of Americans filed for unemployment or risked their lives as essential workers.  44% of that wealth grew in California alone.  California has the most billionaires and the highest poverty rate in the nation. This is a policy failure.  

In month, California, Connecticut, Hawaii, Illinois, Maryland, New York and Washington all introduced a Wealth Tax on the extreme rich.  The California Wealth Tax is modeled on US Senator Elizabeth Warren's, specifically targeting extreme wealth over $50M and $1B. If passed, it would generate $22.3B/year for California.  California has one of the most progressive income tax rates in the country, effectively taxing for example, a rich doctor who primarily earns their money through income.  However, the wealthiest Californians report very little income– avoiding taxes on the vast majority of their wealth. We should remedy this inequity and tax all wealth.

5. Free Bus Pilots 

It is exciting to see cities such as Washington DC and Boston pilot fare free bus programs while New York legislators consider similar proposals.  Free bus programs make public transportation more accessible, encourage people to ride instead of drive, reduce congestion and pollution, and disproportionately benefit low-income individuals and families (again without the hassle of paperwork, expensive outreach programs and bureaucratic income verification). Imagine cities which provide free buses for residents and visitors to ride to work, school and play!

California is changing

Over the next decade, we are going to see the continued growth and power of California voters currently under 45. And they are disproportionately people of color and immigrants.

California is ready to lead a working families agenda for the nation.  There is a growing base of multiracial, cross-class voters that want to tackle widening wealth inequality, the untenable affordability crisis, and wildfires turning our communities to ash. Our challenge is to organize that base of voters into a movement that can make this wish list a reality and deliver for the people. 

When Should You Declare Bankruptcy? (On Your Email!)

When to declare bankruptcy.

If you have 525,600 emails in your inbox, you may feel hopeless. Maybe a nuke and pave is your best option.

If someone is hundreds of thousands of dollars in debt and they have no way of paying it off, sometimes bankruptcy is the only way.

Let’s be clear: Email bankruptcy is not even close to the seriousness of actual bankruptcy. For most people, deleting all emails and starting over is not the end of the world.

Sure, Aunt Edith might bring up the fact that she emailed you a cat video last summer, and you never responded. If an email’s been around for more than a month, it’s probably not helpful.

For some, hitting delete and starting over is not only the best solution, but if sets you free from the past (and email bankruptcy affects nothing. Your credit score is intact. You just might have lost some clout from Aunt Edith.)

For others — hitting delete on moths, or sometimes, years of email can be as scary as bungee jumping from the Burj Khalifa. If that’s you, here are some less scary options:

Pay for SaneBox

Seriously. I know some people don’t want to spend money on apps. But this one is worth spending a little something on. What will happen when you set this up will astound you. My guess is that at least half (probably more!) of your 525,600 emails will get moved to your later or news folders. With a bit of training, the basic Sanebox set up will put only the email you care about in your inbox. It’s a serious electronic mail lifesaver. (Use this link for signing up and you get $5 off, which is basically a free month, and I do too.)

Let your old address go to seed

If you've still got a dinosaur email from Yahoo, Hotmail, or AOL (anybody still got a Juno or MindSpring account?), this one's for you. Right now, Gmail's the best free email around. While, I’m not a huge Google fan, Gmail has some basic features I talk about in this book (including the ability to “snooze”, automated “newsletter” folders — and has excellent archive and search functions.) and it costs you nothing. Set up a Gmail account that is as close to your name as you can get and begin using that as your main personal point of contact. You can keep your old address, but slowly stop checking it. Use that address for a signup address to keep unwanted spam out of your new one. (Gmail is pretty good at detecting spam. In fact, sometimes it’s too good. Be sure to check your spam folder frequently in the beginning, as I’ve found it to be sometimes a little aggressive.).

Letting an old address “go to seed” is sometimes a better way to get out of email debt without going full on nuclear and blowing up the whole thing.

Search and Destroy

  The search function with most email clients is fantastically fast now. Don't want to go too wild with deleting? Check out your inbox and find the biggest offenders and delete those. If Billy Bob Appliances from three towns over keeps sending you three emails a day about their never-ending fire sale, do a search and destroy. Type “Billy Bob” in your browser, select all, and delete. This takes some time if you t have a lot, but can provide some precision before eliminating everything.

Be a Liberal Archiver

If “delete” is still freaking you out, remember you can archive everything. Archive your whole inbox. It’s fine. Do it now.

You’re losing nothing. Everything is still searchable. It’s all there. If you have a limited storage capacity, this might not be the best solution for you, as you may eventually run out of space. But email storage is cheap and this might be a suitable solution for anyone with email FOMO (fear of missing out).

Declare Bankruptcy

You may be done. Out of storage. Out of patience. Out of caring anymore.

At that point of frustration, email bankruptcy may be your best option. Elect all and delete. If you need to do so, empty your trash and start fresh. You might need to let a few people know that their old email is gone. Please send again. But most will be no worse off.

If you decide this is your best option, like financial bankruptcy, you want to put systems into place to prevent yourself from over going there again. I use the strategy and tactics of the Growability® Inbox method. It works. My inbox is empty nearly every day.

Let me know if you’re interested. I would love to coach you through it.

It’s possible.

You can do this.

You are doing better than you think. You have more potential than you know.

Book Bonus

I am currently in the middle of three books, some of you might find of interest:

Wool by Hugh Howey: This is a gripping story. Well written. Fast-paced. I picked this up because I thought the trailer for the upcoming AppleTV series looks great. But I usually like to read before I watch.

The Information: A History, A Theory, A Flood by James Gleick: I read an article this week about AI being the sunset of the Information Age and the beginning of the Intelligence Age. History will determine this sometime in the future. Gleick’s work is really a masterpiece, in that it’s a well-researched history of information. Which one would think to be a snoozer. But I am finding it both entertaining and fascinating.

The 1-Page Marketing Plan by Allan Dib: Sure. It’s basically how to build simple a sales funnel. But the “simple” part is good. I like things that have been distilled (and that’s more than just a good bourbon). That said, if want the most straightforward way for building a sales funnel that integrates with the rest of your business/nonprofit, I think you need Growability®. :-)

What is a Credit Repair Service?

Having a good credit score is crucial for many aspects of life, from securing loans and credit cards to renting an apartment or getting a job. However, if you have a low credit score, it can be challenging to know where to start when it comes to repairing your credit. That's where Credit Repair Service come in. In this blog post, we will explore the best credit repair services and what to look for when choosing a credit repair company.

What is a credit repair service?

A credit repair service is a company that helps consumers improve their credit score by disputing inaccurate or incomplete information on their credit report. These companies work on behalf of their clients to remove negative items from their Credit Reports, such as late payments, collections, or bankruptcies. By removing negative items, credit repair services can help improve a client's credit score.

What should I look for in a credit repair service?

When choosing a credit repair service, it's essential to do your research to find a reputable company that meets your needs. Here are some things to consider when evaluating credit repair services:

Reputation: Look for a company with a good reputation and positive reviews from previous clients.

Pricing: Credit repair services can be costly, so make sure to choose a company with transparent pricing and no hidden fees.

Services: Check the services offered by the company and make sure they align with your needs.

Customer support: Choose a company with excellent customer support and communication to ensure you stay informed throughout the process.

The best credit repair services

Here are some of the best credit repair services available:

Lexington Law: Lexington Law is a reputable credit repair service that has helped thousands of clients improve their credit scores. They offer a free consultation and have three different service packages to choose from, depending on your needs.

Credit Saint: Credit Saint offers a personalised approach to credit repair with customised solutions for each client. They have three different service levels and offer a 90-day money-back guarantee.

Sky Blue Credit Repair: Sky Blue Credit Repair offers affordable credit repair services with a focus on transparency and excellent customer support. They offer a 90-day money-back guarantee and have an A+ rating with the Better Business Bureau.

Conclusion

Choosing the best Credit Repair Service for your needs can be a challenging task, but it's worth the effort to improve your credit score and financial well-being. When evaluating credit repair services, consider factors such as reputation, pricing, services, and customer support. Lexington Law, Credit Saint, and Sky Blue Credit Repair are among the best credit repair services available, offering personalized solutions and excellent customer support. Remember to do your research and choose a reputable company to ensure you get the best results. SOURCE URL: https://medium.com/@socialcreditrepairs777/what-is-a-credit-repair-service-c08952ec611c

Virginia politicians seek restraining order to prevent Barnes & Noble from selling ‘Gender Queer’ to minors

Virginia State Delegate and lawyer is seeking a restraining order against Barnes and Noble and Virginia Beach Schools “to enjoin them from selling or loaning” the graphic novel Gender Queer and the novel A Court of Mist and Fury to minors without parent consent, according to Book Riot.

On his Facebook page, Tim Anderson, a member of the Virginia House of Delegates, says he is seeking the restraining order on behalf of his client, Tommy Altman, who is currently running for U.S. Congress in Virginia.

“Today, the Virginia Beach Circuit Court has found probable cause that the books Gender Queer and a Court of Mist and Fury are obscene to unrestricted viewing by minors,” Anderson posted. “My client, Tommy Altman, has now directed my office to seek a restraining order against Barnes and Noble and Virginia Beach Schools to enjoin them from selling or loaning these books to minors without parent consent.”

The move follows a decision from last week by the Virginia Beach school board to remove Gender Queer from shelves in the school district’s libraries.

ICv2 received a statement from Barnes & Noble about the situation:

Asked for comment, a Barnes & Noble spokesperson said, “As booksellers, we carry thousands of books whose subject matter some may find offensive. We live in a diverse society, and that diversity of opinion is reflected in the books we carry on our shelves that cater to the wide range of interests of our customers. We ask that our customers respect our responsibility to offer this breadth of reading materials, and respect also that, while they chose not to purchase many of these themselves, they may be of interest to others.”

IcV2 also points out that Anderson was ordered by a judge in 2016 to do pro-bono work for impersonating a federal bankruptcy court judge.

Gender Queer by Maia Kobabe has made headlines over the last few years — first, for winning several awards like the Stonewall Honor Award and an Alex Award, and second, for attempts at banning by libraries across the country. It was the No. 1 most challenged book of 2021, according to the the American Library Association. Its LGBTQIA+-positive content has made it a favored target of conservative politicians who seek to rile up their base prior to the election.

“What I’m learning is that a book challenge is like a community attacking itself,” Kobabe said. “The people who are hurt in a challenge are the marginalized readers in the community where the challenge takes place. That is readers who are younger, readers who do not have the financial means to buy books if they’re not available for free in the library. That is queer teens who might not feel comfortable bringing a book with such an obvious title into their home, if they have more conservative parents who would only feel safe reading the book secretly in the library without even checking it out. So yes, it upsets me because what I’m seeing is resources being taken away from queer marginalized youth, which does hurt. That does hurt me.”

When you apply for car finance, what do lenders usually look for?

Whether you've applied for car finance before or this is your first time, there are some subtleties concerning the procedure that many people are unaware of. The most important issue is what do lenders look for when approving a vehicle financing application and extending credit?

To address that, we've compiled a list of all the important elements that go into deciding whether or not a lender would finance your vehicle. Lenders often check for the following:

1 - Your credit score

Your credit score is the most crucial factor for lenders to evaluate. It may be more difficult to obtain car finance if you have a low or bad credit score.

2 - Clean Public records

Lenders will look at your public records after evaluating your credit score. They do this to check whether you have any bankruptcies or judgments against you, for example. Lenders take this information carefully since clients with bankruptcies, especially recent bankruptcies, may be a risk to lend to, and this might be a reason why you are unable to raise finance many business listings.

3 - Employment and earnings

Your work position and salary are also crucial factors in determining whether or not you will be approved for car finance. It's only reasonable for lenders to inquire about your employment status and pay details. This information will offer them an indication of your financial condition and assist them in determining whether you are affordable. Because organizations typically have distinct lending policies, there are minimal standards that you must meet in order to acquire financing. All responsible lenders must guarantee that you are able to repay the money they lend your business listings.

4 - Details about your electoral roll

It's also possible that the financing firm you apply to will look up your information on the electoral roll. This is a process that lenders go through to authenticate your name and address and eliminate the possibility of fraud. If you aren't already on the electoral roll, getting on it before applying for a loan may assist you is accepted free business listings.

5 - Information about your credit history

If you have had credit in the past, it is typically easier to obtain finance the longer your credit history the better because you'll have more to show for it. In order to make a judgement, lenders search for indicators that you are trustworthy and responsible. The better you've been in the past at repaying credit cards and loans, the more likely you'll be accepted for finance today.

Short Term Loans UK Direct Lender - Card-Free Loans Available Anytime

If you are running low on funds but need to make some urgent payments before payday. On the other side, you don't have a credit card to give to the lender. Don't be concerned! You are encouraged to apply for short term loans UK direct lender without a bank card without hesitation. As the name implies, you can get money whenever you want and when you need it the most.

The fact that your poor credit score, such as defaults, arrears, foreclosure, late payments, missing payments, due payments, CCJs, IVA, installment skipping, or even bankruptcy, can benefit from the mentioned short term loan at any time. The reason for this is that loan lenders do not conduct credit checks.

However, there are certain specific criteria to qualify, such as being 18 years old, a UK resident, a permanent employee with a secure job, and having a current checking account at the moment you wish to use short term loans UK direct lender. To get instant cash decision, fill out a simple online application form with required information and submit it on the website. After finalizing your application, your cash will be deposited into your bank account on the same day.

With every loan application, including a short term loans direct lenders, you must ensure that your lender or broker is trustworthy and reliable. They must be authorized and regulated by the Financial Conduct Authority (FCA). To be certain, you can look up the lenders or broker's trading name on the financial conduct authority's website. The registered office address should be included in the footer of direct lenders and brokers as well.

Short Term Loans UK Facts You Should Be Aware Of

Loans come in a variety of shapes and sizes. While it is possible to obtain a loans for as little as a month (a short term loan), many loans can extend for years. A short term loans UK may be the best solution for some people. It can assist customers in spreading the expense of the loan over several years - 24 months, 36 months, or longer - by providing affordable repayment terms and the opportunity to finance a greater purchase.

Short-term loans are sometimes used to refinance debt over several years. A short term loans direct lenders, for example, could assist pay off an existing loan at a lower interest rate. This is known as debt consolidation. Some consumers choose to spread the expense of a credit card debt over a year or more, for example, by exchanging it for a loan.

The most important thing to do before taking out any same day loans UK is to educate you as much as possible about them. Make certain you grasp the benefits of same day loans direct lenders. You are responsible for making the monthly installments as well as repaying the total amount owed. Short term loans UK direct lender may be what you're looking for if you're looking for a loan. You can learn more about them by clicking here.

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Short Term Cash Loans: The Last Chance for Needy Scroungers

It is often necessary to borrow money from relatives or friends, but you must accept No’ by them for bucks. Then, short term cash loans are an excellent financial bargain that can provide you with enough money in a hassle-free manner. Furthermore, you are not required to pledge or fax for these fundraising goods. As a result, obtaining funds is usually simple.

Simple qualifications such as the aspirant's age of @18 years, residency in the UK, full-time employment, and an active checking account allow the people to obtain favorable cash without having to wait for many days. Complete a simple online application form with complete information such as name, address, age, contact number, email id, and so on, and then submit it online for finalization. The approval fee is deposited into your bank account the same day you apply.

Relax if you have negative credit elements such as defaults, arrears, foreclosure, late payments, installment skipping, or even bankruptcy, which are allowed to make the most of short term cash loans without going through any credit verification. Under the terms of these credits, you can obtain funds ranging from £100 to £1000, with a repayment period of 14 to 31 days. 

If you're wondering whether a lender would consider you for loan repayments and wish to apply for a short term loans UK direct lender, no credit check is required. They want to know that you will be able to repay it, and they may consider you for pre-approval for one of their loan amounts.

If you have a bad credit rating, short term loans direct lenders for bad credit are available. While some lenders will not accept you if you are in this scenario, others specialize in it. Even if a typical lender rejects you for specific loan amounts, a specialized lender may approve you.

How to Compare Short Term Loans UK Lenders

To begin, keep in mind that there are two types of loans:

Direct lenders for short term loans in the United Kingdom

Short-term loans obtained through brokers

Brokers have significant business knowledge and may be able to get a loan from places you are not aware of. Assume you're looking for short term loans direct lenders with bad credit, no guarantor, and a direct lender. This excludes any lenders you would locate through a broker, limiting the potential sources of loans you might be able to find. A smaller pool of lenders would provide representative instances.

When you compare lenders, you can look at the loan amount offered, early repayment arrangements, how the loan amount changes if you spread it out over a longer period of time, and so on. Before considering an application, evaluate all circumstances, including whether you can make the repayments. Consider whether a short term loans UK direct lender is typical of the market or whether there are better options available elsewhere.

You can learn everything you need to know about payback terms, short term loan terms and conditions, interest rates, and everything else we've discussed here. If you want to borrow money over time, it's generally quicker to do your research online rather than going to a traditional lender. This method makes it easy to find more possible short term loans UK providers.

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