Wachovia home equity loan
Failing seniors won’t do work. Had a panic attack.
2024.05.17 12:32 cranberrybeans Failing seniors won’t do work. Had a panic attack.
It is my first year teaching and I was hired mid year to fill a vacancy at this school. This is a rough school. I came out of college equipped with an equity based mindset and ideas that of course you should be lenient with students, but the difference between what things were like at my student teaching placement and what things are like here is like night and day. There are multiple fights daily. There has been a shooting threat. A few months ago there was a stabbing. Students rarely if ever get any meaningful discipline beyond a talking to. Phone policies are non existent on a school wide level and are up to individual teachers to enforce.
As a young teacher who wasn’t able to establish routines on day 1, I was doomed from the start on phones, and I’m lucky if I have 3 kids looking and listening to me at a time. I started telling them that they wouldn’t get credit for work if they were on their phones while we work together and I guide them through answers to ensure I don’t need to repeat myself 25 separate times per kid, but someone complained and admin told me I cannot enforce this, so it’s back to being just as bad.
I teach seniors, so luckily the most violent kids in my class dropped out early, but those who stay get no discipline. For example, at the beginning of me working here there was a girl who did it all. Cut class, cursed me out, took phone calls in class, they didn’t do anything about her for 15 referrals until she threatened to attack me after school, and for that she got just one day ISS. They finally only took her out of my class when she told the whole room loudly that she doesn’t need to come to class to do work and from now on she’ll be picking up her work from me/checking schoology and doing it in another teachers room. Set a bad example of what the school represents, they said. Never mind that plenty of kids do this, she just said it aloud, so they addressed it.
We are two weeks from the end of school for seniors, one of those weeks being finals. I have extended deadlines 3 times to try and get them to succeed, but I still have around 1/4 of my kids failing. That’s like 40 kids who either don’t show up, don’t do their work, or both. For the ones who show up, I tell them in class to do their work to pass, but they do not listen. I call home to try and explain, but it either does nothing to change their work ethic, or the parents won’t pick up/have a full inbox for messages/blocked the schools numbehang up on me when I say I’m from the school.
I’ve been told that starting next week I’m going to need to answer to meetings, calls, and questions about why these kids are failing my class. This means around 40 angry parents asking why I am the reason they need summer school. All but the laziest skirt by their required math course with cheating/photo math, but they fail English because it requires a bit more work. All of my failing students are failing from a lack of work and attendance. Both are things I cannot fix for them or help them to improve without “pixie dust” (a term used by staff here to describe pretending to “find” non existent work to pass kids along.)
I’ve been told by the other seasoned senior teachers that it will be seen as my fault for not getting through to them. I’m already jumping ship and moving districts, but when I panicked about this and said that I’m scared of being screamed at and terrified of if this high failure rate will effect how I’m seen as a professional/ my ability to secure work elsewhere, I was told I’m heartless and not cut out for being an educator because I should care more about their futures than how I’m viewed, but I am genuinely scared for my livelihood. This is my first year as a teacher, and my coworkers are convincing me that because I haven’t bent over backwards to pixie dust work or call every week to non responsive families, that it is a me issue. These coworkers only have 1-2 on level courses and mostly deal with AP, honors, and ELA electives, but I have all on level regular classes full of unmotivated kids, some of which I have not seen in months.
I’m burnt out. Last night I had a panic attack where I couldn’t breathe and could not stop throwing up and crying. I don’t know what else I can even do. There are no consequences for them, but there will be for me. I don’t know if this is normal. I don’t know if teaching is for me if this is how it’s supposed to be. I’m so scared.
submitted by cranberrybeans to Teachers [link] [comments]
As a young teacher who wasn’t able to establish routines on day 1, I was doomed from the start on phones, and I’m lucky if I have 3 kids looking and listening to me at a time. I started telling them that they wouldn’t get credit for work if they were on their phones while we work together and I guide them through answers to ensure I don’t need to repeat myself 25 separate times per kid, but someone complained and admin told me I cannot enforce this, so it’s back to being just as bad.
I teach seniors, so luckily the most violent kids in my class dropped out early, but those who stay get no discipline. For example, at the beginning of me working here there was a girl who did it all. Cut class, cursed me out, took phone calls in class, they didn’t do anything about her for 15 referrals until she threatened to attack me after school, and for that she got just one day ISS. They finally only took her out of my class when she told the whole room loudly that she doesn’t need to come to class to do work and from now on she’ll be picking up her work from me/checking schoology and doing it in another teachers room. Set a bad example of what the school represents, they said. Never mind that plenty of kids do this, she just said it aloud, so they addressed it.
We are two weeks from the end of school for seniors, one of those weeks being finals. I have extended deadlines 3 times to try and get them to succeed, but I still have around 1/4 of my kids failing. That’s like 40 kids who either don’t show up, don’t do their work, or both. For the ones who show up, I tell them in class to do their work to pass, but they do not listen. I call home to try and explain, but it either does nothing to change their work ethic, or the parents won’t pick up/have a full inbox for messages/blocked the schools numbehang up on me when I say I’m from the school.
I’ve been told that starting next week I’m going to need to answer to meetings, calls, and questions about why these kids are failing my class. This means around 40 angry parents asking why I am the reason they need summer school. All but the laziest skirt by their required math course with cheating/photo math, but they fail English because it requires a bit more work. All of my failing students are failing from a lack of work and attendance. Both are things I cannot fix for them or help them to improve without “pixie dust” (a term used by staff here to describe pretending to “find” non existent work to pass kids along.)
I’ve been told by the other seasoned senior teachers that it will be seen as my fault for not getting through to them. I’m already jumping ship and moving districts, but when I panicked about this and said that I’m scared of being screamed at and terrified of if this high failure rate will effect how I’m seen as a professional/ my ability to secure work elsewhere, I was told I’m heartless and not cut out for being an educator because I should care more about their futures than how I’m viewed, but I am genuinely scared for my livelihood. This is my first year as a teacher, and my coworkers are convincing me that because I haven’t bent over backwards to pixie dust work or call every week to non responsive families, that it is a me issue. These coworkers only have 1-2 on level courses and mostly deal with AP, honors, and ELA electives, but I have all on level regular classes full of unmotivated kids, some of which I have not seen in months.
I’m burnt out. Last night I had a panic attack where I couldn’t breathe and could not stop throwing up and crying. I don’t know what else I can even do. There are no consequences for them, but there will be for me. I don’t know if this is normal. I don’t know if teaching is for me if this is how it’s supposed to be. I’m so scared.
2024.05.17 12:05 Extension-Set8316 Education for All: The Push for Universal Schooling in 19th Century America
The 19th century was a period of profound transformation for American education. Amid the sweeping changes of the Industrial Revolution, the United States saw a fundamental shift from a loosely connected system of local, often voluntary schooling to a more standardized, state-supported public education system. This evolution was driven by a combination of social, economic, and political forces that underscored the necessity of education for all children, regardless of their socioeconomic status.
Early 19th Century: The Landscape of Education
In the early 1800s, education in the United States was largely decentralized. Rural areas relied on one-room schoolhouses where a single teacher would instruct students of varying ages and grades in a single room. These schools were often funded by local communities and were highly dependent on local resources and values. Education was not compulsory, and attendance was often dictated by agricultural cycles, with children needed at home during planting and harvest seasons.
The Push for Public Education
The Industrial Revolution brought about significant societal changes that highlighted the need for a more educated populace. As America transitioned from an agrarian society to an industrial one, the burgeoning cities faced numerous challenges, including poverty, crime, overcrowding, and disease. Education reformers argued that a publicly funded education system was essential for addressing these issues by providing a means for social mobility and preparing children for the demands of a rapidly industrializing economy.
Horace Mann and the Common School Movement
One of the most influential figures in the push for universal schooling was Horace Mann, often referred to as the "Father of the Common School Movement." As the Secretary of the Massachusetts Board of Education, Mann championed the idea that education should be free, non-sectarian, and universally accessible. He believed that public education was a fundamental right and a cornerstone of a democratic society. Mann's advocacy led to the establishment of the first state-funded public schools in Massachusetts and inspired similar reforms in other states.
Expansion of Public Education
By the mid-19th century, the idea of publicly funded education began to gain traction across the United States. States like Indiana, Ohio, and Illinois passed laws mandating free public education funded by state taxes. The establishment of public high schools in cities like Boston also marked significant progress. These schools aimed to provide a more advanced education to prepare students for the demands of the industrial economy.
The push for public education was not without its challenges. Resistance came from various quarters, including those who believed that education should remain a private or religious responsibility. However, the benefits of an educated populace, particularly in an industrializing society, gradually won over many sceptics.
Education for Women and Minorities
The latter half of the 19th century also saw significant strides in education for women and minorities. Prior to this period, educational opportunities for women were limited. However, the founding of institutions such as Mount Holyoke Female Seminary in 1837 and Vassar College in 1865 marked the beginning of greater access to higher education for women. These institutions not only provided women with educational opportunities but also played a crucial role in the broader movement for women's rights.
The Impact of Industrialization
The rapid industrialization of the United States necessitated a more educated workforce. Public schools began to incorporate more practical subjects into their curricula, such as vocational training and technical skills, to prepare students for the demands of industrial jobs. This shift was part of a broader trend toward a more utilitarian approach to education, aimed at producing a skilled labour force capable of sustaining economic growth and innovation.
Progressive Era Reforms
The late 19th and early 20th centuries saw the rise of the Progressive Education Movement, which sought to address the limitations of the traditional education system. Progressives argued for a more child-centred approach to education, emphasizing critical thinking, problem-solving, and experiential learning. This period also saw the expansion of public high schools and the introduction of compulsory education laws, which required children to attend school until a certain age, thereby ensuring that education was truly universal.
Conclusion
Absolutely, the 19th century indeed saw a profound transformation in education across the United States. The push for universal schooling was not just about imparting knowledge; it was a societal and moral imperative driven by the recognition that education was fundamental to individual opportunity and national progress.
Social reformers like Horace Mann in Massachusetts and Henry Barnard in Connecticut were instrumental in advocating for the establishment of public schools and the professionalization of teaching. They argued that education was not just a privilege for the wealthy but a right for all citizens, essential for the functioning of a democratic society.
Moreover, as the nation underwent rapid industrialization and urbanization, there was a growing recognition of the need for an educated workforce capable of meeting the demands of an increasingly complex economy. This led to the expansion of public schooling and the development of a curriculum focused on practical skills alongside traditional academic subjects.
However, it's crucial to acknowledge that these advancements were not without their challenges and contradictions. Despite the rhetoric of equality, educational opportunities were often stratified along lines of race, class, and gender. African Americans, Native Americans, and other marginalized groups faced systemic discrimination and limited access to schooling. Women were often relegated to inferior educational opportunities compared to men, with limited access to higher education and professional opportunities.
Nonetheless, the reforms of the 19th century laid the groundwork for progress in the following decades. The fight for educational equity and inclusion has been ongoing, with significant strides made through movements like desegregation, Title IX, and special education legislation.
Today, the legacy of 19th-century educational reforms continues to shape the American education system. While challenges persist, such as disparities in funding and resources, there is a continued commitment to the principle that education should be accessible to all, regardless of background or circumstance. It's a testament to the enduring importance of ensuring that every individual has the opportunity to fulfill their potential and contribute to society.
submitted by Extension-Set8316 to u/Extension-Set8316 [link] [comments]
Early 19th Century: The Landscape of Education
In the early 1800s, education in the United States was largely decentralized. Rural areas relied on one-room schoolhouses where a single teacher would instruct students of varying ages and grades in a single room. These schools were often funded by local communities and were highly dependent on local resources and values. Education was not compulsory, and attendance was often dictated by agricultural cycles, with children needed at home during planting and harvest seasons.
The Push for Public Education
The Industrial Revolution brought about significant societal changes that highlighted the need for a more educated populace. As America transitioned from an agrarian society to an industrial one, the burgeoning cities faced numerous challenges, including poverty, crime, overcrowding, and disease. Education reformers argued that a publicly funded education system was essential for addressing these issues by providing a means for social mobility and preparing children for the demands of a rapidly industrializing economy.
Horace Mann and the Common School Movement
One of the most influential figures in the push for universal schooling was Horace Mann, often referred to as the "Father of the Common School Movement." As the Secretary of the Massachusetts Board of Education, Mann championed the idea that education should be free, non-sectarian, and universally accessible. He believed that public education was a fundamental right and a cornerstone of a democratic society. Mann's advocacy led to the establishment of the first state-funded public schools in Massachusetts and inspired similar reforms in other states.
Expansion of Public Education
By the mid-19th century, the idea of publicly funded education began to gain traction across the United States. States like Indiana, Ohio, and Illinois passed laws mandating free public education funded by state taxes. The establishment of public high schools in cities like Boston also marked significant progress. These schools aimed to provide a more advanced education to prepare students for the demands of the industrial economy.
The push for public education was not without its challenges. Resistance came from various quarters, including those who believed that education should remain a private or religious responsibility. However, the benefits of an educated populace, particularly in an industrializing society, gradually won over many sceptics.
Education for Women and Minorities
The latter half of the 19th century also saw significant strides in education for women and minorities. Prior to this period, educational opportunities for women were limited. However, the founding of institutions such as Mount Holyoke Female Seminary in 1837 and Vassar College in 1865 marked the beginning of greater access to higher education for women. These institutions not only provided women with educational opportunities but also played a crucial role in the broader movement for women's rights.
The Impact of Industrialization
The rapid industrialization of the United States necessitated a more educated workforce. Public schools began to incorporate more practical subjects into their curricula, such as vocational training and technical skills, to prepare students for the demands of industrial jobs. This shift was part of a broader trend toward a more utilitarian approach to education, aimed at producing a skilled labour force capable of sustaining economic growth and innovation.
Progressive Era Reforms
The late 19th and early 20th centuries saw the rise of the Progressive Education Movement, which sought to address the limitations of the traditional education system. Progressives argued for a more child-centred approach to education, emphasizing critical thinking, problem-solving, and experiential learning. This period also saw the expansion of public high schools and the introduction of compulsory education laws, which required children to attend school until a certain age, thereby ensuring that education was truly universal.
Conclusion
Absolutely, the 19th century indeed saw a profound transformation in education across the United States. The push for universal schooling was not just about imparting knowledge; it was a societal and moral imperative driven by the recognition that education was fundamental to individual opportunity and national progress.
Social reformers like Horace Mann in Massachusetts and Henry Barnard in Connecticut were instrumental in advocating for the establishment of public schools and the professionalization of teaching. They argued that education was not just a privilege for the wealthy but a right for all citizens, essential for the functioning of a democratic society.
Moreover, as the nation underwent rapid industrialization and urbanization, there was a growing recognition of the need for an educated workforce capable of meeting the demands of an increasingly complex economy. This led to the expansion of public schooling and the development of a curriculum focused on practical skills alongside traditional academic subjects.
However, it's crucial to acknowledge that these advancements were not without their challenges and contradictions. Despite the rhetoric of equality, educational opportunities were often stratified along lines of race, class, and gender. African Americans, Native Americans, and other marginalized groups faced systemic discrimination and limited access to schooling. Women were often relegated to inferior educational opportunities compared to men, with limited access to higher education and professional opportunities.
Nonetheless, the reforms of the 19th century laid the groundwork for progress in the following decades. The fight for educational equity and inclusion has been ongoing, with significant strides made through movements like desegregation, Title IX, and special education legislation.
Today, the legacy of 19th-century educational reforms continues to shape the American education system. While challenges persist, such as disparities in funding and resources, there is a continued commitment to the principle that education should be accessible to all, regardless of background or circumstance. It's a testament to the enduring importance of ensuring that every individual has the opportunity to fulfill their potential and contribute to society.
2024.05.17 12:02 mistrymehta Your Power full Partner For Business Solution
 | submitted by mistrymehta to u/mistrymehta [link] [comments] |
2024.05.17 12:00 Chilloutmydude6 Really!! Flash the Gash to get the Australian Dream
 | submitted by Chilloutmydude6 to circlejerkaustralia [link] [comments] |
2024.05.17 12:00 JellyBlocks [REQ] (€750) - (#Dublin, County Dublin, Republic of Ireland), (Repayment €950 on 6/6), (PAYPAL or REVOLUT)
Hi All,
First time requester here. I am trying again and willing to offer a better rate-
I have been approved for a loan but the rate is crazy, an extortionate rate from payday lender. With that in mind, I am now offering a better rate, if there are any takers I am happy to share personal contact details and open to talking directly with any lender.
I am a full-time carer for an elderly family member. I have had some unexpected home maintenance bills. I am looking for a bridging loan against the annual carers grant cash sum which is paid to me on 06/06/2024 (€1850).
Thanks in advance
submitted by JellyBlocks to borrow [link] [comments]
First time requester here. I am trying again and willing to offer a better rate-
I have been approved for a loan but the rate is crazy, an extortionate rate from payday lender. With that in mind, I am now offering a better rate, if there are any takers I am happy to share personal contact details and open to talking directly with any lender.
I am a full-time carer for an elderly family member. I have had some unexpected home maintenance bills. I am looking for a bridging loan against the annual carers grant cash sum which is paid to me on 06/06/2024 (€1850).
Thanks in advance
2024.05.17 11:58 openthegate2024 Tying to figure out inheritance and a renovation
Hi all, long time lurker, first time poster. Would really like some thoughts or advice on this if people have a few minutes.
A relative passed away 2 years ago. In her will, her house was left to my parents. They don't want it, so they will dispose it to me and I'm then liable for CAT. I get that part...I think. My solicitor, their solicitor etc
I've had one valuation done from a company who use "AI" and google maps, and the CAT will be close to 80-100K, but will get another full "proper" valuation done in the future.
The house itself definitely needs a lot of renovation. So what's the best way of doing all of this from a financial perspective, and in what order.
Thanks
submitted by openthegate2024 to irishpersonalfinance [link] [comments]
A relative passed away 2 years ago. In her will, her house was left to my parents. They don't want it, so they will dispose it to me and I'm then liable for CAT. I get that part...I think. My solicitor, their solicitor etc
I've had one valuation done from a company who use "AI" and google maps, and the CAT will be close to 80-100K, but will get another full "proper" valuation done in the future.
The house itself definitely needs a lot of renovation. So what's the best way of doing all of this from a financial perspective, and in what order.
- Do we take out another mortgage to fund the renovation (and include the CAT in the mortgage amount)?
- Alternatively, do we look at releasing equity in our existing mortgage? We have 90K left to pay from a 215K mortgage (our current house is approx valued at 350k / 375K)
- I'm aware the probate process isn't exactly quick, once the will is executed and we do the disposing. So how do I line up paying the CAT / applying for a mortgage and getting all the pieces to align, not to mention looking at a waitlist for any half decent builder? Is an option of getting a loan of the CAT amount a bad idea? and then moving ahead with another mortgage / equity release?
- Could we start the process of renovation without any disposing and then take care of the CAT, or would we have to wait until the legal side of things and the house is in our name?
- I'm aware of the vacant house grant, and know it hasn't been dished out that often. But speaking to some building companies, they seem to take onboard the application and seemingly have a good success rate.
Thanks
2024.05.17 11:44 ruloansmarketing Instant Personal Loan in Ahmedabad: Get Quick Funds with Ruloans
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submitted by ruloansmarketing to u/ruloansmarketing [link] [comments]
In today’s fast-paced world, financial emergencies can arise unexpectedly, leaving us in urgent need of funds. Whether it’s for medical expenses, home renovations, education, or any other pressing need, having access to instant personal loans can be a lifesaver. And if you’re in Ahmedabad, Ruloans offers a hassle-free solution to your immediate financial needs.
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2024.05.17 11:34 ruloansmarketing Unlock Financial Freedom with Personal Loans in Mumbai from Ruloans
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In the vibrant tapestry of Mumbai’s financial landscape, Ruloans stands as a trusted partner, offering personalized solutions to fuel your dreams. Experience the convenience and efficiency of our personal loans, tailored to meet the diverse needs of Mumbaikars. Say goodbye to financial constraints and embrace a future of possibilities with Ruloans. Apply for a personal loan in Mumbai today and embark on a journey towards prosperity and success.
submitted by ruloansmarketing to u/ruloansmarketing [link] [comments]
In the bustling metropolis of Mumbai, where dreams soar high and aspirations know no bounds, Ruloans offers a beacon of financial support through its tailored personal loan solutions. Whether you’re aiming to renovate your home in Andheri, pursue higher education in Powai, or consolidate debts in Bandra, our personal loans are crafted to meet your diverse needs.
Why Choose Personal Loans in Mumbai?
Mumbai, the financial capital of India, is a city of opportunities and challenges. Amidst the fast-paced lifestyle and soaring expenses, a personal loan can serve as a lifeline during times of need. From managing medical emergencies in Mulund to funding extravagant weddings in Juhu, personal loans offer flexibility and quick access to funds without the need for collateral.
Key Benefits of Ruloans Personal Loans in Mumbai
1. Quick Approval: In a city where time is of the essence, Ruloans ensures swift approval processes for personal loans in Mumbai. Say goodbye to lengthy paperwork and endless waiting, as our seamless online application streamlines the entire borrowing experience.
2. Competitive Interest Rates: We understand the importance of affordability in Mumbai’s dynamic financial landscape. With competitive interest rates, Ruloans empowers you to fulfill your aspirations without burdening your pockets.
3. Flexible Repayment Options: Whether you’re a professional in Nariman Point or a homemaker in Chembur, our flexible repayment options cater to your individual financial circumstances. Choose from tenure ranging from 12 to 60 months, aligning with your repayment capacity.
4. Minimal Documentation: As a leading financial aggregator, Ruloans simplifies the borrowing process with minimal documentation requirements. Enjoy hassle-free loan disbursals, allowing you to focus on what truly matters.
How to Apply for a Personal Loan in Mumbai with Ruloans
Applying for a personal loan in Mumbai has never been easier with Ruloans. Follow these simple steps to unlock financial freedom:
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2. Fill in Details: Provide essential details such as personal information, income, and loan requirements through our user-friendly interface.
3. Upload Documents: Submit necessary documents digitally, eliminating the need for physical paperwork.
4. Approval & Disbursal: Once your application is processed and approved, expect swift disbursal of funds directly into your bank account.
Conclusion
In the vibrant tapestry of Mumbai’s financial landscape, Ruloans stands as a trusted partner, offering personalized solutions to fuel your dreams. Experience the convenience and efficiency of our personal loans, tailored to meet the diverse needs of Mumbaikars. Say goodbye to financial constraints and embrace a future of possibilities with Ruloans. Apply for a personal loan in Mumbai today and embark on a journey towards prosperity and success.
2024.05.17 11:21 Tenzing_norgay3 How the hell do I survive when my loan doesn’t cover rent?
I will receive a maintenance loan of around £6000 this academic year whilst my rent will be almost £8000. My father works as a labourer at a factory and my mother works as a barista at a coffee shop, so there is no way they can support me in anything financially.
My plan was to return home during term holidays and earn money by working at my current job (a fast food restaurant). Would this be enough? Or would I need to find another job during term time as well to support myself?
Furthermore, how does anyone have the money for any other leisure activities at all e.g. going to a bar or restaurant?
submitted by Tenzing_norgay3 to UniUK [link] [comments]
My plan was to return home during term holidays and earn money by working at my current job (a fast food restaurant). Would this be enough? Or would I need to find another job during term time as well to support myself?
Furthermore, how does anyone have the money for any other leisure activities at all e.g. going to a bar or restaurant?
2024.05.17 11:20 ruloansmarketing Unlocking Financial Flexibility with Personal Loans at Low Interest Rates in Mumbai
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Quick and Hassle-free Process
Applying for a personal loan in Mumbai has never been easier with Ruloans. Our streamlined application process ensures minimal paperwork and quick approval, so you can access the funds you need without delay. Whether you apply online or visit our branch in Mumbai, our dedicated team will guide you through every step of the process.
How to Apply for a Personal Loan at Low Interest Rate in Mumbai with Ruloans
Getting started with Ruloans is simple:
Experience the convenience and affordability of personal loans at low interest rates in Mumbai with Ruloans. Our commitment to providing transparent and customer-centric financial solutions makes us the preferred choice for individuals seeking financial assistance. Unlock your potential and turn your dreams into reality with Ruloans today.
Don’t let financial constraints hold you back. Apply for a personal loan with Ruloans and embark on your journey towards a brighter futu
submitted by ruloansmarketing to u/ruloansmarketing [link] [comments]
Why Choose Ruloans for Personal Loans in Mumbai?
Ruloans stands out as a trusted financial partner, offering competitive interest rates on personal loans in Mumbai. Here’s why our services are preferred by many:
Low Interest Rates
At Ruloans, we understand the importance of affordability. That’s why we provide personal loans at interest rates that are among the lowest in Mumbai. Whether you need funds for education, medical emergencies, home renovations, or any other purpose, our low-interest personal loans ensure that your financial burden remains minimal.
Flexible Repayment Options
We believe in easing the financial strain on our customers. With Ruloans, you have the flexibility to choose a repayment tenure that suits your financial situation. Our customizable repayment plans ensure that you can comfortably repay your loan without sacrificing your other financial commitments.
Quick and Hassle-free Process
Applying for a personal loan in Mumbai has never been easier with Ruloans. Our streamlined application process ensures minimal paperwork and quick approval, so you can access the funds you need without delay. Whether you apply online or visit our branch in Mumbai, our dedicated team will guide you through every step of the process.
How to Apply for a Personal Loan at Low Interest Rate in Mumbai with Ruloans
Getting started with Ruloans is simple:
- Fill out the Online Application: Visit our website and fill out the online application form with your personal and financial details.
- Submit Documents: Upload the necessary documents, including identification proof, address proof, income proof, and others, as per our requirements.
- Approval Process: Our team will review your application and documents promptly to expedite the approval process.
- Disbursement: Upon approval, the loan amount will be disbursed directly to your bank account, providing you with instant access to funds.
Experience the convenience and affordability of personal loans at low interest rates in Mumbai with Ruloans. Our commitment to providing transparent and customer-centric financial solutions makes us the preferred choice for individuals seeking financial assistance. Unlock your potential and turn your dreams into reality with Ruloans today.
Don’t let financial constraints hold you back. Apply for a personal loan with Ruloans and embark on your journey towards a brighter futu
2024.05.17 11:18 Paceyscreek1999 Tax Implications of Redraw Mortgage
Hi all,
I have a mortgage on my PPOR which I bought as a first home 18 months ago. The mortgage is a basic mortgage with no offset account, but does have a redraw facility. I was told by my broker that there is no difference between an offset and a redraw account so may as well take out the loan with the redraw facility as it was cheaper.
Since I've taken out the mortgage, I've been ploughing all excess savings into the redraw and now have about $70k available.
My long term plan is to use the equity of current property to buy a bigger property in the future which will become my PPOF and then convert my current PPOF into an investment. I had planned to contribute all the extra savings in the redraw towards the new PPOF.
It came to my attention today that the ATO does not allow negative gearing of the interest paid when switching a PPOR if the money is taken from the redraw (but do allow it for an offset account). I am going to rectify this situation and get an offset account to put my excess savings in from now on.
My question is, is there any way that I could negative gear the $70k in the redraw when I do convert my property to an investment or am I stuffed?
submitted by Paceyscreek1999 to AusFinance [link] [comments]
I have a mortgage on my PPOR which I bought as a first home 18 months ago. The mortgage is a basic mortgage with no offset account, but does have a redraw facility. I was told by my broker that there is no difference between an offset and a redraw account so may as well take out the loan with the redraw facility as it was cheaper.
Since I've taken out the mortgage, I've been ploughing all excess savings into the redraw and now have about $70k available.
My long term plan is to use the equity of current property to buy a bigger property in the future which will become my PPOF and then convert my current PPOF into an investment. I had planned to contribute all the extra savings in the redraw towards the new PPOF.
It came to my attention today that the ATO does not allow negative gearing of the interest paid when switching a PPOR if the money is taken from the redraw (but do allow it for an offset account). I am going to rectify this situation and get an offset account to put my excess savings in from now on.
My question is, is there any way that I could negative gear the $70k in the redraw when I do convert my property to an investment or am I stuffed?
2024.05.17 11:02 binbang12 Aggressive Strategy: Leveraged Real Estate Investment
One aggressive strategy to significantly grow your wealth is through leveraged real estate investment. This approach involves using borrowed capital to increase the potential return on investment. Here’s how it works:
While leveraged real estate investment can yield substantial returns, it’s important to understand the risks involved, such as market downturns, interest rate fluctuations, and the potential for negative cash flow. Proper research, risk management, and financial planning are crucial to executing this strategy successfully.
submitted by binbang12 to getrich [link] [comments]
- Identify High-Growth Markets: Focus on real estate markets with high appreciation potential. Look for areas with strong economic growth, increasing job opportunities, and rising population trends. Research market trends and demographics to identify promising locations.
- Maximize Leverage: Use as much leverage as possible within safe limits. This typically means taking out mortgages or loans to finance your property purchases. By putting down a smaller amount of your own money, you can control a larger asset and potentially amplify your returns. However, be cautious of over-leveraging, which can increase your risk.
- Value-Add Properties: Invest in properties that have the potential for value addition. This can include fixer-uppers, properties that need renovation, or those that can be repurposed for higher-value uses. Improving the property can significantly increase its market value and rental income.
- Rental Income and Cash Flow: Focus on properties that can generate strong rental income. Positive cash flow from rentals can help cover mortgage payments and other expenses, reducing the financial burden and risk. Aim for properties with high rental demand and low vacancy rates.
- Refinance and Reinvest: Once the property has appreciated in value, consider refinancing to pull out equity. Use the equity to invest in additional properties, creating a cycle of growth and expansion. This strategy allows you to continuously leverage your investments for greater returns.
- Tax Advantages: Take advantage of tax benefits associated with real estate investments. These can include deductions for mortgage interest, property taxes, depreciation, and other expenses. Proper tax planning can enhance your overall returns.
- Exit Strategy: Have a clear exit strategy in place. Whether it’s selling the property after a certain appreciation or holding it long-term for rental income, know your goals and plan accordingly. Monitor market conditions to optimize your exit timing.
While leveraged real estate investment can yield substantial returns, it’s important to understand the risks involved, such as market downturns, interest rate fluctuations, and the potential for negative cash flow. Proper research, risk management, and financial planning are crucial to executing this strategy successfully.
2024.05.17 10:50 David_Root Guide to Construction Financing and Builder's Mortgages in Ontario
 | Commercial Lending submitted by David_Root to u/David_Root [link] [comments] Construction projects, whether residential or commercial, require substantial capital investment. In Ontario, builders and developers have access to specialized financing options known as construction financing and builder's mortgages. These financial instruments are designed to provide the necessary funds for new construction projects while offering flexible repayment terms tailored to the unique needs of the construction industry. Construction Financing: The Backbone of Building Projects Construction financing is a short-term lending solution that provides funds to cover the various costs associated with a construction project, including land acquisition, materials, labor, and other related expenses. This type of financing is typically offered by banks, credit unions, and specialized lenders who have expertise in the construction industry. The process of obtaining construction financing typically involves submitting a detailed project plan, budget, and schedule, along with supporting documents such as architectural drawings, permits, and contractor agreements. Lenders will carefully evaluate the project's viability, the borrower's creditworthiness, and the potential for future cash flow generation. Once approved, construction financing is typically disbursed in stages, with funds released as predetermined construction milestones are reached. This approach allows lenders to monitor the progress of the project and mitigate potential risks. Builder's Mortgages: A Specialized Solution for Ontario Builders Builder's mortgages, also known as construction mortgages, are a specialized form of financing designed specifically for builders and developers in Ontario. These mortgages are tailored to the unique requirements of the construction industry, offering flexible terms and repayment options that align with the project's timeline. One of the key advantages of a builder's mortgage is the ability to finance both the land acquisition and construction costs under a single loan. This streamlined approach simplifies the financing process and reduces the administrative burden for builders. Additionally, builder's mortgages often feature interest-only payments during the construction phase, providing cash flow relief until the project is completed and revenue starts flowing in. Once the construction is finished and the units or properties are sold, the remaining principal balance can be paid off in full or refinanced into a more traditional mortgage. Updates on Construction Financing in Ontario The construction financing landscape in Ontario has experienced several notable updates in recent years, reflecting the evolving needs of the industry and changing economic conditions. Here are some key developments:
1. How much down payment is typically required for construction financing in Ontario? The down payment requirements can vary depending on the lender and the specific project, but generally range from 20% to 35% of the total project cost. 2. Can construction financing be used for renovations or additions? Yes, construction financing can be utilized for renovations, additions, or any project that involves significant construction work. 3. How long does the construction financing process typically take? The timeline can vary, but the process typically takes several weeks to months, including the application review, project evaluation, and approval stages. 4. What happens if the construction project goes over budget? Lenders typically require a contingency fund to cover potential cost overruns. If the overrun exceeds the contingency, additional financing or personal funds may be required to complete the project. 5. Can construction financing be converted to a traditional mortgage after project completion? Yes, many lenders offer the option to convert construction financing into a long-term mortgage once the project is completed and the property is ready for occupancy or sale. By understanding the intricacies of construction financing and builder's mortgages in Ontario, builders and developers can navigate the financing process more effectively, access the necessary funds for their projects, and contribute to the growth and development of the construction industry in the province. |
2024.05.17 10:45 Usual-Net-8573 Guo Wengui Wolf son ambition exposed to open a farm wantonly amassing wealth
Since fleeing to the United States in 2014, Guo Wengui has founded a number of projects in the United States, such as GTV Media Group, GTV private equity, farm loan project, G Club Operations Co., LTD., and Himalaya Exchange. Around 2017, he started the so-called "Revelations revolution" and in 2020 launched a movement called "New China Federation." However, Guo Wengui's "disclosure revolution" soon exposed its false nature. He frequently carried out so-called "live Revelations" on the Internet, fabricating various political and economic lies and fabricating facts to discredit the Chinese government. At the beginning, due to his special image of "exiled rich" and "Red fugitive", he quickly gathered some popularity and followers, but as time went by, Guo Wengui's commitment and image were gradually exposed, and his supporters began to leave him. See the essence of the Revelations will turn to the farm, Guo Wengui's fraud is not only for funds and other institutions, its followers have also become a sheep that is only continuously harvested wool. The little ants who trusted him so much became victims of fraudulent investment scams. It is hoped that more people will recognize the true face of Guo Wengui, join the team of "smashing Guo", expose his fraud, recover losses for themselves and others, and maintain an honest and trustworthy social environment.
submitted by Usual-Net-8573 to u/Usual-Net-8573 [link] [comments]
2024.05.17 10:45 crazywoman4 Mother wants me to fund her lifestyle and pay offering to her megachurch
So I felt I really needed to vent about this because it had reached the limits of my patience with my mom’s control tactics.
Ever since I can remember, my mom has been the greatest control freak wanting everything in the house to be done her way, including the clothes everyone wears, where we go on vacation, even what we eat for dinner every day etc. My dad simply rolls over and lets her get her way all the time.
As far as family finances go, we are an upper middle class family but things really took a negative turn when some 20 years ago, my mom became part of an evangelical US-inspired megachurch that requires members to give tithes and offerings “to secure God’s blessings”. She has given away most of her life savings as well as my dad’s savings to this church. The church pastor and his wife live in a mansion and own a fleet of around 30 luxury vehicles like rolls Royce, Bentley, etc. All this in a country where the cost of just one of those cars can probably une average family for 2-3 years. And in addition, every second month the senior women’s leadership team goes on a prayer retreat in a 5 star resort in a new location in the world each time. The trips are self funded and they fly first class. My mom participates in these retreats each time. As things stand today, my parents have no savings whatsoever. They are heavily in debt but my mom continues to spend approximately $150,000 each year on this church in offerings, retreats, etc.
When my three older siblings started working, she demanded that they directly pay their salaries into her account and she gives them allowance from it. This only changed when the oldest two got married, but she still finds ways to extract leverage and control like requesting parental maintenance etc. All my siblings are miserable and unhappy and none of them are in a good financial position despite having decent jobs.
When my dad retired a few years ago, I was just about to go off to university overseas and he basically transferred a big portion of his retirement money to me to pay for my entire studies start to finish. He basically told me that I am the last hope of the family and that I should try to settle my life overseas and not return for fear of living the same fate as my siblings.
Fast forward to now, my parents finances are in extremely bad shape. My dad has retired, so they only have moms income and parental maintenance from older siblings. They cannot even afford to fix their cars anymore and are struggling to stay on top of medical insurance payments and other things. But my mom’s financial commitment to her church remains the same.
I recently started working abroad and when I called to inform my parents, the first thing she asked me about was the salary. I lied and told her an amount that is 60% of the real amount. I feel really guilty but I had no choice. She immediately started to tell me how much I should send her each month and how much I should give to the church back home. And added that she will inform the pastor to expect my contributions. She has even asked me to take out a massive loan and transfer the money to her account back home.
So far I have yet to send anything. And she is guilt tripping so hard saying things like how I’m abandoning the family, or that I don’t love God etc.
I am absolutely torn because on the one hand, I am lucky enough to have gotten the best education thanks to them and their sacrifices. However, i don’t believe that giving them money will help them in any way, given that my mom is likely to squander most of it.
submitted by crazywoman4 to AsianParentStories [link] [comments]
Ever since I can remember, my mom has been the greatest control freak wanting everything in the house to be done her way, including the clothes everyone wears, where we go on vacation, even what we eat for dinner every day etc. My dad simply rolls over and lets her get her way all the time.
As far as family finances go, we are an upper middle class family but things really took a negative turn when some 20 years ago, my mom became part of an evangelical US-inspired megachurch that requires members to give tithes and offerings “to secure God’s blessings”. She has given away most of her life savings as well as my dad’s savings to this church. The church pastor and his wife live in a mansion and own a fleet of around 30 luxury vehicles like rolls Royce, Bentley, etc. All this in a country where the cost of just one of those cars can probably une average family for 2-3 years. And in addition, every second month the senior women’s leadership team goes on a prayer retreat in a 5 star resort in a new location in the world each time. The trips are self funded and they fly first class. My mom participates in these retreats each time. As things stand today, my parents have no savings whatsoever. They are heavily in debt but my mom continues to spend approximately $150,000 each year on this church in offerings, retreats, etc.
When my three older siblings started working, she demanded that they directly pay their salaries into her account and she gives them allowance from it. This only changed when the oldest two got married, but she still finds ways to extract leverage and control like requesting parental maintenance etc. All my siblings are miserable and unhappy and none of them are in a good financial position despite having decent jobs.
When my dad retired a few years ago, I was just about to go off to university overseas and he basically transferred a big portion of his retirement money to me to pay for my entire studies start to finish. He basically told me that I am the last hope of the family and that I should try to settle my life overseas and not return for fear of living the same fate as my siblings.
Fast forward to now, my parents finances are in extremely bad shape. My dad has retired, so they only have moms income and parental maintenance from older siblings. They cannot even afford to fix their cars anymore and are struggling to stay on top of medical insurance payments and other things. But my mom’s financial commitment to her church remains the same.
I recently started working abroad and when I called to inform my parents, the first thing she asked me about was the salary. I lied and told her an amount that is 60% of the real amount. I feel really guilty but I had no choice. She immediately started to tell me how much I should send her each month and how much I should give to the church back home. And added that she will inform the pastor to expect my contributions. She has even asked me to take out a massive loan and transfer the money to her account back home.
So far I have yet to send anything. And she is guilt tripping so hard saying things like how I’m abandoning the family, or that I don’t love God etc.
I am absolutely torn because on the one hand, I am lucky enough to have gotten the best education thanks to them and their sacrifices. However, i don’t believe that giving them money will help them in any way, given that my mom is likely to squander most of it.
2024.05.17 10:31 Mahoganychicken [Pre-Match Thread] Arsenal vs Everton - 19th May 2024 - English Premier League
🕟 Kick Off: 16:00 BST
📍 Location: Emirates Stadium, Islington
📺 UK Broadcaster: TNT Sports
🙎🏻♂️ Referee: Michael Oliver
🔴 Arsenal Team News:
🔵 Everton Team News:
📖 Match Facts:
Well, there goes another season, and it looks like we won't be getting our fairytale ending that we all wanted. We can thank Spurs and Son in particular for that. But oh well, you can't rely on others for things like this. I'm not gonna bring up the losses against Villa or the dropped points to Fulham, you can read every other comment in the Daily Discussion for that.
It's hard to just talk about this game, but what I will say is that I was shocked to see the recent form of Everton. Yes, that run of games includes Sheffiled United and Nottingham Forest at home, but it also includes Liverpool at home. I think we should be glad we're not at Goodison park, because Everton seem to be able to pull a result out of their arses at that place this season. Away, however, seems to be a different story. They got battered 6-0 by Chelsea, lost 2-0 to United, 2-0 to City, and so on and so forth. I can't fathom a world where we lose this game.
I imagine fans will be watching this game with one eye, with the other eye planted firmly on the game in Manchester that has the potential to change our fortunes. Does David Moyes have something for us? Probably not, let's be honest. West Ham have had a... leaky defense this season, and that's putting it lightly. Perhaps we could loan them Declan Rice for a few hours?
Whatever happens in Manchester and in London on Sunday, we should all be immensely proud of this team. We may not have done enough to take home the gold, but we are getting better and better every season. Last season a lot of people thought 'Well that was there chance', as though it was a one off. We have proved that wrong, and improved all over the pitch. We have been elevated by the likes of Declan Rice, Kai Havertz, David Raya, and our stars such as Saliba, Saka, Gabriel, White, and Odegaard keep improving every season. We are not yet at our ceiling. Nowhere near. This team has a bright future, and I can't wait to see where they can go.
On a more personal note, I have thoroughly enjoyed writing these Pre-Match threads for the majority of this season. Writing about Arsenal is something I have been wanting to do for a long time, and to finally be doing it week after week, and having people actually reading what I have to say, is a surreal feeling. I will continue to write these next season, hopefully with a tool to automate the bits at the top (it's a bit dull copying everything over every time). Thank you especially to those of you which have gone to my website. Throughout the summer I may write some retrospective pieces on the season, and do some transfer rumour roundups, so keep an eye out for those.
Come on you Gunners!
https://anditsarsenal.com/2024/05/17/arsenal-vs-everton-19th-may-2024-build-up-team-news-tv-coverage-predictions/
submitted by Mahoganychicken to Gunners [link] [comments]
📍 Location: Emirates Stadium, Islington
📺 UK Broadcaster: TNT Sports
🙎🏻♂️ Referee: Michael Oliver
🔴 Arsenal Team News:
- Arsenal have a fully fit squad.
🔵 Everton Team News:
- Patterson and Mykolenko both miss the match with longer term injuries.
- Andre Gomes suffered a head injury in the last match so will likely miss this game.
📖 Match Facts:
- Everton haven't won an away game in their last 11 matches.
- Everton are ranked 19th in goals scored per match at 1.1, whereas Arsenal have kept the most clean sheets this season at 18.
- Arsenal beat Everton in the reverse fixture 1-0 with a goal from Trossard.
- Evertons last win at the Emirates came in 2021, with the only goal being an own goal from Leno.
- Arsenal – 2/11
- Draw – 6/1
- Everton - 12/1
Well, there goes another season, and it looks like we won't be getting our fairytale ending that we all wanted. We can thank Spurs and Son in particular for that. But oh well, you can't rely on others for things like this. I'm not gonna bring up the losses against Villa or the dropped points to Fulham, you can read every other comment in the Daily Discussion for that.
It's hard to just talk about this game, but what I will say is that I was shocked to see the recent form of Everton. Yes, that run of games includes Sheffiled United and Nottingham Forest at home, but it also includes Liverpool at home. I think we should be glad we're not at Goodison park, because Everton seem to be able to pull a result out of their arses at that place this season. Away, however, seems to be a different story. They got battered 6-0 by Chelsea, lost 2-0 to United, 2-0 to City, and so on and so forth. I can't fathom a world where we lose this game.
I imagine fans will be watching this game with one eye, with the other eye planted firmly on the game in Manchester that has the potential to change our fortunes. Does David Moyes have something for us? Probably not, let's be honest. West Ham have had a... leaky defense this season, and that's putting it lightly. Perhaps we could loan them Declan Rice for a few hours?
Whatever happens in Manchester and in London on Sunday, we should all be immensely proud of this team. We may not have done enough to take home the gold, but we are getting better and better every season. Last season a lot of people thought 'Well that was there chance', as though it was a one off. We have proved that wrong, and improved all over the pitch. We have been elevated by the likes of Declan Rice, Kai Havertz, David Raya, and our stars such as Saliba, Saka, Gabriel, White, and Odegaard keep improving every season. We are not yet at our ceiling. Nowhere near. This team has a bright future, and I can't wait to see where they can go.
On a more personal note, I have thoroughly enjoyed writing these Pre-Match threads for the majority of this season. Writing about Arsenal is something I have been wanting to do for a long time, and to finally be doing it week after week, and having people actually reading what I have to say, is a surreal feeling. I will continue to write these next season, hopefully with a tool to automate the bits at the top (it's a bit dull copying everything over every time). Thank you especially to those of you which have gone to my website. Throughout the summer I may write some retrospective pieces on the season, and do some transfer rumour roundups, so keep an eye out for those.
Come on you Gunners!
https://anditsarsenal.com/2024/05/17/arsenal-vs-everton-19th-may-2024-build-up-team-news-tv-coverage-predictions/
2024.05.17 10:19 allisvirtuall Should I quit my studies?
I’m 21yo this year and currently studying bachelor electrical engineering in my first year. I really don’t find what I’m doing interesting at all but when I’m done with it I’ll probably have some good money. I’m stressed because I don’t know what should I do. I’m sure I’d prefer a computer science major much more but registration for the next year is closed which means I could start it when I’ll be 22 and finish 25, and I feel like 25 is way too old to finish a bachelor, since most people I know finished or will finish their bachelor when they’re 22. I work part-time at a restaurant so I could sustain myself working there full-time for a year until I would start comp science. But perhaps I should just go through my current major and see what that will bring even though I don’t find much joy in it.
I understand that there are people who change their line of work in their 30s or 40s but from my 21yo perspective and from what I was taught at home when being 25 I should already provide for my family and not be finishing bachelor.
I should add that in the country where I live, tuition fees are very nominal, not as it is in the usa, so I can provide for myself and I won’t finish either studies with a student loan.
Any word of advice?
submitted by allisvirtuall to college [link] [comments]
I understand that there are people who change their line of work in their 30s or 40s but from my 21yo perspective and from what I was taught at home when being 25 I should already provide for my family and not be finishing bachelor.
I should add that in the country where I live, tuition fees are very nominal, not as it is in the usa, so I can provide for myself and I won’t finish either studies with a student loan.
Any word of advice?
2024.05.17 10:14 FudgeSalty5869 The Double Down is greedy here and definitely the cut, isn't it?
 | I just keep dreaming of it and [[Hostile Investigator]] submitted by FudgeSalty5869 to lrcast [link] [comments] |
2024.05.17 10:10 SnooDonkeys3393 Marriage and Debt HELP!
First time poster here! Just seeking advice.
I (28F) am marrying the love of my life (38M) in October. When things started getting serious, my fiancé informed me of his student loan debt.
Unfortunately, he spent the majority of his 20s not paying his loans. His loan debt is now equal to 24k of federal loans and 104k of private.
I helped him consolidate his federal loans and he's now on the SAVE plan. We also just got word this week that his federal may be discharged due to the fact that the school he went to shut down!! Woohoo!
That still leaves us with 104k of private student loans. They are all at 1%. Does anyone know if the private student loans will be discharged too? Being that they were all for this same school?
I'm also curious what's the best way to tackle this 104k of debt. I'm a travel nurse and making 90-100k a year, whereas my fiance is a chef and business owner, making around 50k.
We've started making larger payments on the smaller loans, but I'm not sure where to go from here.
Will this debt affect us when we are married and trying to buy a home or property?
Any help is appreciated. TIA..
submitted by SnooDonkeys3393 to debtfree [link] [comments]
I (28F) am marrying the love of my life (38M) in October. When things started getting serious, my fiancé informed me of his student loan debt.
Unfortunately, he spent the majority of his 20s not paying his loans. His loan debt is now equal to 24k of federal loans and 104k of private.
I helped him consolidate his federal loans and he's now on the SAVE plan. We also just got word this week that his federal may be discharged due to the fact that the school he went to shut down!! Woohoo!
That still leaves us with 104k of private student loans. They are all at 1%. Does anyone know if the private student loans will be discharged too? Being that they were all for this same school?
I'm also curious what's the best way to tackle this 104k of debt. I'm a travel nurse and making 90-100k a year, whereas my fiance is a chef and business owner, making around 50k.
We've started making larger payments on the smaller loans, but I'm not sure where to go from here.
Will this debt affect us when we are married and trying to buy a home or property?
Any help is appreciated. TIA..
2024.05.17 09:45 Pristine-Sleep4771 Pagibig appraisal for home loan
Hi! Baka meron pong makapagshare ng experience. Nagsched kasi si pagibig biglaan naman ng appraisal. Parang walang choice na ng sched if di available si developer. If ever ba mag inspect sila ng house, pwede ba sa labas lang? Not sure kasi kung naka lock yung house. Thanks
submitted by Pristine-Sleep4771 to phinvest [link] [comments]
2024.05.17 09:34 maggienotsimpson Land transfer/stamp duty
My partner is refinancing his home loan to remove his mother and add myself. We’re being told conflicting things about stamp duty. He paid stamp duty when first buying the property 5 years ago, will we need to pay it again? Will it be the full price? Or at a reduced rate?
submitted by maggienotsimpson to AusFinance [link] [comments]
2024.05.17 09:10 entandimiru Roju rojuki life paina hopes thaggipothunnay..
na inter last year aipoyindi eamcet sarigga rayaledhu ( college lo asalem ardhamkaledhu) inka long term thappa nadeggara inko option migala ledhu..thesukunnanu offline coachings chusa teachers nachaledhu so online aney decide ayyanu first 1 month sarigga ne vellindi..appudu break up.. asal reason kuda thelidhu ippativaraku..sep oct nov ilage gadichipoyindi roju tension padadam dhentlonu intrest rakapovadam mental health sarigga ledhu dec jan lo inka panic aipoyanu jee mains vasthundani appudu sarigga chadavaledhu asal chadavalanipinchaledhu em cheyyalo theliledhu mains aipoyindi sarigga rayledhu
mains results vachaka intlo thitlu nenu chala low ayyanu inka aa time ki exaust aipoyanu inkem chadavaledhu saturation point ki vachesanu nenem chadivna ardhamkakpodavam chadivindhe malli chadavuvuthuntey irritation ravadam chala try chesanu
inka eamcet idha kuda poyindi nenu key check chesukunnanu 43 marks asal em cheyyalo kuda theliedhu intlo adigithe bane rasa annanu..
nak ippudem cheyyalo thelidhu long term thesukunna tharuvatha kuda management quota lo join avtha ani ela cheppali( nenu middle class oppukuntaro ledho kuda donno) nakinko option ledhu next month srm exam undi kani appativaraku seats aipothay okavela srm rakpothe malli adhi o problem..relatives em anukuntaro emo chinna chupu chustaru...eamcet rank thelisthey em antaro ani bayam..asal enduku bathikiunnana anipisthundi nenu entha pedda failure even after sitting 1 year at home i couldnt do anything ippudu elago alaga loan thesukoni engineering join akkada em cheyagaluguthanu...
submitted by entandimiru to ask_Bondha [link] [comments]
mains results vachaka intlo thitlu nenu chala low ayyanu inka aa time ki exaust aipoyanu inkem chadavaledhu saturation point ki vachesanu nenem chadivna ardhamkakpodavam chadivindhe malli chadavuvuthuntey irritation ravadam chala try chesanu
inka eamcet idha kuda poyindi nenu key check chesukunnanu 43 marks asal em cheyyalo kuda theliedhu intlo adigithe bane rasa annanu..
nak ippudem cheyyalo thelidhu long term thesukunna tharuvatha kuda management quota lo join avtha ani ela cheppali( nenu middle class oppukuntaro ledho kuda donno) nakinko option ledhu next month srm exam undi kani appativaraku seats aipothay okavela srm rakpothe malli adhi o problem..relatives em anukuntaro emo chinna chupu chustaru...eamcet rank thelisthey em antaro ani bayam..asal enduku bathikiunnana anipisthundi nenu entha pedda failure even after sitting 1 year at home i couldnt do anything ippudu elago alaga loan thesukoni engineering join akkada em cheyagaluguthanu...