Equipment loan letter

Namatay ang dad ko 5 years ago na ang nakalipas. He was the president of the company that time and when my dad dies my Tito immediately took over the company as we (my siblings) are not yet ready to fill in the position, some of us are still studying and new to the company. Pero that was 5 years ago na and sabi niya he will just fill the position until such time na ready na kami.
Fast forward to now, my sister already gained enough knowledge on how to run the business and my siblings have her support as they are also part of the company, my brother is the HR, and the other is the accountant and from their perspective naman they are now ready to fill in the position lalo pa’t halos sila naman na talaga nagpapatakbo ng company and that’s when chaos started in our family.
Tito insist that my dad have a loan in the company and in order to pay that loan his shares are now floating in the treasury for anyone from the company to buy. Most of these loans don’t have a label, some are trips related to the company and some of it are also personal on which we don’t argue.
For context my father’s company is a sale’s company on which they are importing equipment from an international company for construction.
With this infos, di namin alam kung may laban ba kami to counter yung loans as mentioned most of them ay walang label. You know how dirty as it is sa industry na ito, noong time pa ni Dad ay madalas siyang nagdadala ng big amount of cash to give sa mga procurement head or purchasing managers ng client in order for us to win the bidding sa golf course, sa resto sinasama niya pa kami noon when we’re young kaya we think some if not all of the loans without labels are “lagay”. Di namin alam ang next move namin kasi whenever he throw that argument to us we feel like they can just throw us away from the company anytime. No one in my family can buy back the shares of dad because it will cost us millions or should we just go with the flow para at least we have work and nasa higher position naman.
Thank you, we will also consult an atty once we can afford it.

Today I had to request a replacement for a defective 4K Blu-ray disc. Part of the request process is taking a picture of the disc, which came out looking like this:
https://i.imgur.com/iTEzhPd.png
To my naked eye, the disc doesn't look anything close to this dusty, but the picture looks horrible. I'd expect the people processing the return to say, "Well, of course it wouldn't play! Clean all of that dust off!"
This was my second attempt at a picture. After a first attempt, and I saw how dusty the image looked, I tried wiping the disc down with a tissue (I didn't have a more ideal type of wipe handy) which should have at least helped, even if the tissue wasn't totally lint-free.
I've experienced this sort of thing many times before when taking close-up pictures of common objects. I can tell that it's not dust on my camera lens, because it doesn't appear consistently in the same places from shot to shot, and only appears in close-up images.
I was using ambient room light, no flash. This is just an iPhone photo, no fancy camera equipment involved.
Is there a good way to avoid this problem? If I can't avoid the problem in the first place, is there a good digital filter for cleaning this up? I've tried "despeckle" filters in Photoshop and GIMP, but they never clean up enough until you crank them up to the point that too many other details, like lettering, are completely trashed. I ended up doing a lot of point-by-point clean-up with the rubber stamp tool.

I work for a small family-owned law office that specializes in estate planning, probates, bankruptcy & trust administration. The entire staff consists of the attorney, his wife, his son, and myself.
I was hired as a legal assistant but since I’ve completed my paralegal certificate program, I have recently been assigned a significantly heavier workload. I am still responsible for the administrative tasks of scheduling, client correspondence & menial paper-pushing tasks.
I am now also responsible for the entirety of the chap 7 bankruptcy process as well as the entirety of the trust admin process from the intake phone call to drafting the final letter. I am also still responsible for preparing the estate planning documents for signing.
My boss’s wife does absolutely nothing. Her title is “office manager” and she is responsible for billing (which she only works on 2x/month). Otherwise, she finds random tasks to do like cleaning out the fridge and putting sticky notes on random crap. His son also does nothing. He is supposed to prepare the deeds & PCORs (only in the estate planning aspect of our office as I do this for trust admin/probate cases).
We are so far behind because my boss is very popular & does not like telling clients “no.” But the son’s tab of work is also significantly far behind & today the attorney asked me, “why are they so far behind?” I just stared at him blankly because I was shocked that he was surprised to find that they accomplish nothing.
How do I address this and with whom? With them? With my boss? It is affecting our workflow and the attorney should truly be the only one thats backlogged. I could do everything the son does in one or two days tops. When I’ve offered to help him, he was very defensive and said he needed to complete them for “job security.”
I really like them as people. I just dont like when the wife tries to power trip and tell me I’m not working hard enough or whatever else she has to say. I used a lot of my sick time already because I had my wisdom teeth out & kept getting sick afterwards. I only have meetings to discuss my work ethic on days after I’ve used my sick time
I truly think they just need 4 people on payroll in case of another pandemic and foregiveable PPP loan….. (before they started there was 1 lady doing the work or all 3 of us and I genuinely think that’s all it should be)

I’m 37 and I’ve been working in HVAC for 10+ years (cooling tower services to be exact) I’m looking to get into the business of solar panel cleaning/pressurewashing/gutter cleaning business, or what ever I can get my self into. I guess my goal is commercial at some point but I understand I have to start off small at first. I have about 55k What’s my first move?…… Get a business loan? Buy equipment? Buy a truck? Get LLC? Marketing? I guess I would like to start Jan 2025. Any thing will help from you well seasoned professionals 👍🏽

Hi guys,
I received a letter in the mail from a lender. They advertise that they recognize I got locked in when rates were at their peak and if I qualify that they can get me a lower rate (The quoted rate is 2% lower than what I have now)
They also mention no income documents, appraisal needed. Escrow refund.
I’m a veteran and they advertise this loan as VA Interest Rate Reduction. With no out of pocket costs.
Seems almost too good to be true. Have anyone received letters like this? What is the catch?
Thanks!

I have a dewalt 3300 psi pressure washer with the surface cleaning disk with concrete solution that I’ve been using to pay off loans while I’m in college. I’ve been doing this around a year so far and it’s going great.
Recently I’ve been asked if I could clean this lady’s vinyl siding. I said I’d have to research how to do it the best way and I’ll get back to her. What equipment and what other knowledge/information do I need before I start this?
Thank you very much!

I’m a 22M, I make around 35-40k a year, been thinking about going to community college or trade school, for better job/career opportunities, but don’t know which one is better. I was thinking about Welding, Plumbing, CDL A or getting into the Heavy Equipment Field. I have a 708 credit score, no debt, ( was thinking about getting a 7% APR 10k auto loan) and I also follow the 50/30/20 rule and in the process of creating a 6 month emergency fund. here’s my expenses per month
Gym Membership $50 Rent $260 Phone Bill $100 Gas $120
What should I do? Any advice/help?

Hello-
I know this probably Isn’t on the list of classic Technics equipment but I’ve had it since 1994 (I spent a good chunk of my student loan on it 🙃) and it’s been in storage for almost 20 years now. Everything works except the volume. I’m sure I stopped a gear (it has a remote … somewhere). All I ask is : are there parts out there for these middling machines?
Edit: stripped the gears.
If it helps, it is trying to push my Bang&Olfudsen red line 60s and Yamaha Ns5s. Im bummed so TIA for any advice- even if it is toss it in the garbage.

What in the actual life of Riley is happening with my consolidation FFELs to direct consolidation loans?? I got a letter today from AidVantage?? Who the devil is that?
Letter states I have 10 days from the date of the letter (dated 5/7) and it was not even postmarked until 5/9!
But I got the letter today 5/13!! Really!? I have FOUR actual days to reply not 10 - what a scam.
I was expecting to get a letter that says I’m on income driven repayment and I have x accumulated months towards my loan payoff.
Nope.
Instead I get a letter that states exactly what I thought it would. Exactly what I feared would happen. Well it’s happened. And I am at a total loss. I’m pretty certain I can go ahead and reject the consolidation. Which is probably what I am going to do unless I’m really missing something obvious here?
I got nothing stating I have x number of months counting towards my consolidation.
I got a letter showing me my 75k in loans will go on either a standard, graduated, or extended fixed or extended graduated plan.
Nothing available for me for the income contingent or the income based or the PAYE.
All of the plans listed show me with a 360 month payback. At a rate of 4.125% and payments ranging from 400 to 709 bucks.
Total repaid amounts ranging from 120 to 140 thousand dollars. With interest added on from 55k to 66k on top of that 75k principal.
I’ve already paid out 108k in interest since 1998 . I’ve been on FFEL consolidation since 2004.
Where did I miss the boat in this consultation process that everyone said I would be the poster child for?

I applied to a remote position as a customer service rep. I got an interview like 1-2 weeks later over skype. I was thinking it would be a video call but the interview was a text conversation, which was super weird to me. The business is Eurofins. It has a website and all the information on it seems very legit. I got the offer the next day, $26/hr at 28 hours a week. I was sent the code of conduct handbook, a w4 to fill out, and a job description sheet. I finished the paperwork (with my SSN on the w4). I was then told my supervisor would be in contact with me shortly. He emailed me quickly with a welcome letter, etc. Asked to move over to skype where we began texting. I still have yet to speak to anyone over the phone or video chat. He explained to me that I would be getting a check for my equipment (computer, printer, phone, etc). I needed to put it in to the ATM, get a receipt emailed to him and then he would tell me the information for purchasing the equipment. A little weird. Most places send you the equipment themselves. Since Saturday when I received the check, I have gotten 5 texts from him about depositing it and sending him the receipt, etc. I took it to Bank of America because that is where the check is from and they said it was coming up as a suspicious check, they didn't feel comfortable with it. The teller also asked her supervisor and I could hear them saying 'it looks like one of those scams'. She also said I should watch all of my accounts because they have my SSN now.
What should I do? Has anyone had this happen to this? Do I tell him the bank will not deposit it because it is a suspicious check, or should I ask him if I will ever be speaking to anyone over the phone/video call? I don't know what to do, please help.
Edit: thank you all so much! I have blocked them and will be calling the credit bureaus to freeze my credit.

Title 32 ADOS doesn’t count towards ANY benefits. Doesn’t count towards the VA home loan, the Post-9/11 GI Bill, or veteran-status. There are SOME types of Title 32 that does count such as Title-32 502-(f) for natural disaster response and or ARNG AGR. That’s it.
So if you want to get your benefits I highly advise jumping to a different branch/component or hopping on several deployments or CONUS tours that are Title-10.
I think it’s actually the absolute peak of retardation. A Guardsmen and a Reservist can be practically doing the same thing on ADOS orders but because the Guardsmen is on Title-32 and not on Title-10 like the Reservist they don’t get any veteran benefits?
The last time I went on Title-32 ADOS orders was for XCTC transporting over 600 pieces of equipment by loading said equipment onto semi-trucks working 14 hour days for two weeks after AT and two weeks before AT. I worked for 2 months straight all together, in the heat and lucky me I got to work through 4th of July guarding equipment because I said “I don’t feel like going out and drinking tonight” so I became the designated sober bitch. All for the BAH baby… (it wasn’t worth it.)
It truly is the worst, bottom of the barrel, work you can get because it’s usually AGRs just simply not wanting to do said work or they are just too overburdened.
Don’t get me wrong, they’re are SOME cool opportunities that involve Title-32 like Fed Tech positions, Counter-Drug positions, and Honor Guard. And for the real popular kids who are great with the knee pads… some ADOS admin gigs.
The only real reason I can see people taking ADOS-Title 32 tours is money, a cool opportunity, or career growth (mostly showing off your “amazing” work ethic to be an AGR).
So for any new soldiers or potential recruits, you really gotta do some research as to what you’re getting into when saying yes to ADOS-32 tours.
I also understand a bill is trying to get pushed to rectify this but we will see if that actually happens…. 😤
Also : https://www.nationalguard.com/education-programs/chapter-33
My source because I had an argument with an AGR O-3 who just simply didn’t believe me and my information.
Edit: https://www.ngaus.org/newsroom/bills-would-provide-guard-gi-bill-credit-parity This is the bill mentioned above.

We just received a few financial aid letters from colleges. We have an SAI of $24k. One school's tuition all in is around $75k. They offered $16k in scholarship/grants, we have the federal loans and they put our expected family contribution around $44k.
My question is, they are asking us to cover $20k over our SAI. Am I misunderstanding the SAI number? Is that used as an estimate of what our family is supposed to provide (cash) and then we are expected to take out loans to cover the rest? Or does the SAI represent our contribution in total regardless of where it comes from and the financial aid from the school should cover the remainder?
Just wondering if I need to call them and ask about their calculations.

I'm brand new to this so this may be a dumb question but I want to ask before I talk to a lender and say something that'd shoot myself in the foot. Due to being students the past few years we have no savings and really need a 0% down USDA option vs the 3.5% with first time homebuyer.
I currently make 78k (last couple years it was under 30k) with a partner who is a graduating law student and who currently (and for the past couple years) has made 12k. The USDA income limit in the area is 110k so we are currently under it. However, we need to move for a job he has lined up. My income will drop to about 72k with the move but his will jump to 80k and we'll greatly exceed the 110k limit.
If we apply now, and get through close, before he starts the job, will they use his 80k salary/job lined up, during that application process or just the 12k? If we tell them we are moving for his job will they then require a letter about his future employment/income?
Is there a way to essentially use the USDA program before we exceed the limit?
Rent in the area is jumping ridiculously high and if we have to pay rent at the place we move it'd be in excess of 2.5k and we have no savings and lots of student debt so the only way we see being able to buy a house in the next 5 years is if we can use the USDA loan now.

The first problem with Sola Scriptura is that it's a concept not found in the Bible, actually the Bible says the opposite:
"So then, brothers, stand firm and hold to the traditions that you were taught by us, either by our spoken word or by our letter." (2 Ts 2:15)
"Now I commend you because you remember me in everything and maintain the traditions even as I delivered them to you." (1 Co 11:2)
It's funny how a concept that supports the Bible as the only reliable source of doctrine has it's own source saying the opposite. There's the written and the spoken tradition, not only the written one.
Sola Scriptura is a concept developed in the Protestant Reformation (16th century) because since their communities did not started with the Apostles, but with men creating new churches based in their particular interpretation of the Scripture (Lutheranism => Luther, Calvinism => Calvin, Zwinglianism => Zwingli and dozens of other sects), they needed to invent a new epistemological foundation to justify their deviation from the Apostolic Tradition. This concept is held today by basically all protestants, it's a man-made tradition never defended by any of the Apostles.
The second problem with Sola Scriptura is that is historically impossible, the Early Church didn't had the New Testament written, the last book of the NT was written in the late 1th century and the Canon was defined around the 4th century. How could they support the 'sola scriptura' without the scripture? It do not makes sense.
The third problem is that protestants uses this concept to support their dogma of 'free interpretation', since there's not a Church or Tradition as a rule of faith, you create your own rule based in your personal interpretation, you become your own "pope". It's crazy because the Bible also condemns it:
"Knowing this first, that no prophecy of the scripture is of any private interpretation." ( 1 Pe 1:20).
"Then Philip ran up to the chariot and heard the man reading Isaiah the prophet. “Do you understand what you are reading?” Philip asked. “How can I,” he said, “unless someone explains it to me?” So he invited Philip to come up and sit with him." (Acts 8:30-31)
"He writes the same way in all his letters, speaking in them of these matters. His letters contain some things that are hard to understand, which ignorant and unstable people distort, as they do the other Scriptures, to their own destruction." (2 Peter 3:16)
It's clear that the reading of the Scripture was not understood as a individual and particular activity, that's why since the beginning the Church organized itself in Councils with the elders to define things concerning the christian faith and that why it's said that in the Church people were appointed to teach and correct people in the sound doctrine:
"and what you have heard from me in the presence of many witnesses entrust to faithful men, who will be able to teach others also." (2 Tim 2:2)
"And he gave the apostles, the prophets, the evangelists, the shepherds and teachers, to equip the saints for the work of ministry, for building up the body of Christ" (Eph 4:11-12)

Filed chapter 13 back in 2020. I avoided credit cards and loans because I was dependent on my spouse income. Now I realize that I need to repair my credit :( and I need to build it back . My main issues are 1. I’m a stay at home parent so no “income”. 2. My spouse refused to write me a letter stating they are the income provider . Does anyone have any leads ? Suggestions ?
Thank you !

This email from Nelnet says,

To my knowledge, I had not received a single call from Nelnet, nor do I have any emails, nor physical mails, nor does anything appear on my Nelnet accounts regarding an FDMS case. I called Nelnet and received confirmation that they called me ONE TIME on 5/1 but, the caller hung up. Then, something was mailed on 5/2, by Nelnet, which I have not received and, Nelnet does not know what was contained in the mailed document. There is nothing about FDMS on my Nelnet online account.
I only see a edocument from 5/2 regarding an extension for filing my IDR recertification, which was already recertified and implemented in November 2023. It was later clarified that the FDMS complaint was filed because my account is in the "mandatory" Borrower Defense Administrative Forbearance, that I opted out of, per the ED. I called the FSA, who hey stated an FDMS is a complaint to the government and, Nelnet should not be in charge of an FDMS investigation of itself.
Same day, I received a physical letter from AidVantage on 5/10, dated 5/2, stating that they have gone ahead and started processing my Direct Consolidation (filed 4/30) and I now have less than 3 business days remaining to tell them whether or not I would like to proceed into a new Direct Loan (compounding all my accrued interest into principal). I called AidVantage to ask ask about my status and repayment options, to decide if I should go through with this but, was told that they only have 2 new accounts with $0 balance open for me but, no more information such as, why 2 accounts when I am supposed to be consolidating 4 loans in to 1? (Maybe 2 subsidized stafford and 2 unsubsidized stafford become 1 sub and 1 unsub stafford? Does the SAVE plan not subsidize the interest on both long term?)
The Aidvantage representative advised me that I need to call MOHELA, as they are in charge of processing my Direct Loan Consolidation and IDR applications. After all, my online FSA DirectLoan and IDR applications were filled as though it would go to MOHELA, with the intent to get on the SAVE plan. I was advised that all of the account information should be the same.
I called **MOHELA, who has absolutely no information, can’t locate any of my information and doesn’t understand why I would even call them.**The FSA’s online process for Direct Consolidation and IDR with SAVE plan did state that they would go to MOHELA, as I was going through the steps on the online application.
However, the paper PDF forms that were generated state that the loan will be moved to AidVantage and the PDF form for the IDR is coded as expiring in – Every time I look at the saved PDF forms generated from the submission, it keeps getting worse…
All of the FSA forms pre-date ANY of the current programs. What am I even agreeing to? How is any of this legally binding?
Direct Consolidation Loan Application and Promissory Note OMB No. 1845-0053 Exp. Date 4/30/2019
Repayment Plan Request OMB No. 1845-0014 Exp Date 1/31/2020 - selected no payment plan. At least the last 2 forms got my address right...
Income-Based (IBR) / Pay As You Earn / Income-Contingent (ICR) Repayment Plan Request William D. Ford Federal Direct Loan (Direct Loan) Program / Federal Family Education Loan (FFEL) Program OMB No. 1845-0102 Exp Date 11-30-2015 Somehow this form, populates from the same online application as the previous 2 forms, shows an address I have not lived at for the over 10 years, an out dated email address and every box is ticked for all repayment options.
Ya’ll, I am so lost and the best I can get out of anyone is, “I’m sorry. I don’t have an answer. I hear this from 30,000 people a week, who are just as confused.”
The most reassurance I have received from the FSA is that Direct Consolidation should not (not a confidently will not) effect my Borrower Defense Case, outside of making it take longer for the government to locate the new loans to cancel, should BD review my case result in a loan cancellation... I'm in the last wave of class settlement but, school isn't on the list. I think I settled on Aggressive/Deceptive/Predatory recruiting... My final date for review or default is June 22, 2025. At this point I just hope it all times out and goes away...
RAPID UPDATE: WOO! That letter from Aidvantage was dated 5/2, showed up 5/10. I just pulled another letter out of the mail today, 5/13, dated 5/1, STATING I APPLIED FOR PSLF... No. I didn't. I applied for "You servicer will choose the best option" (hoping for SAVE)... But you know... according to the PDF sent to MOHELA by the FSA, that they supposedly do not have and are not processing... FML...

Hi I’m filling chapter 7 in Montana, I’d like to thank everyone on here for sharing their experiences it’s really been helpful in coming to this decision. I have a question I already asked my attorney but haven’t heard back yet so I thought I’d ask here. I received a letter over the weekend from a law firm they had taken me to court over one of my personal loan’s and won a judgement against me. We have everything in order and should need filing this week. Will this still be included in the bankruptcy or am I going to have to pay them?

I am 19, and no longer living with or dependant on my mother for money. Lately, she's been asking for information and documents from me for her benefits application.
She needed a picture with me holding up my passport and now she needs a letter from my GP. It's stressing me out because I've currently got exams and I've only just registered to my GP, and am still waiting for confirmation.
She hasn't provided much information or answered all my questions, so I was just wondering whether this is normal or neccessary? As I no longer live with her and she does not give me money, I'm not sure why they would need documents from me. I guess I'm just a little nervous that she might be claiming I live with or am dependant on her, which would be benefit fraud, right?
I'm in university and recieve student loan, if that means anything.
Thank you for any help.