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Follow Your Dreams With the Help of a Personal Loan

The dream of starting a business is something that many people share. Whether it be the next big thing in the NFT space or a local mom and pop restaurant, one thing remains the same across the board: it takes money to make money.

If you’re ready to take action, now’s the time to turn your attention to the costs associated with starting a business. Most importantly, you must decide how much money you need to get your new company off the ground, including exploring options with financial institutions such as Gordon Simmons Service Credit Union. That allows you to determine what to do next, which may entail borrowing money or using funds that you have already saved.

A small personal loan is one of the best ways to secure the money you need to follow your dream of starting and owning a business. Should you agree, here are some of the many questions you should answer. Doing so will help you decide what to do next.

  1. How much money do you need to borrow?

If you need to borrow hundreds of thousands of dollars to start a business, a personal loan isn’t what you’re looking for. In most cases, a personal loan is a loan in the $100k or less range. Knowing how much you need to borrow allows you to decide if a personal loan makes sense.

  1. What is your credit score?

Check on your credit score and credit history before you apply for a personal loan. Doing so will ensure that you have a firm grasp of your financial circumstances. It also tells you if you’re likely to qualify.

Remember, if you don’t have a strong credit score and history you’re unlikely to get approved. This is due to the fact that a personal loan is unsecured. Your lender is taking on all the risk, so they want to make sure that you have a history of making on time payments.

  1. Do you have the means to pay back the loan?

Don’t take out a personal loan if you don’t have the means to pay it back. Doing so is only going to result in trouble down the road. It’s essential that you have a plan in place for paying the money back in full, on time, and based on the terms and conditions of your agreement with the bank.

For instance, if you’re quitting your current job to start a business, you need another source of income to pay your loan back. You can’t rely on the fact that you’ll generate enough income from your new business to make full and timely payments.

  1. What term are you interested in?

Most banks offer personal loans in the range of 12 to 84 months. A lower term allows you to pay off the loan sooner. It also positions you to secure the lowest possible interest rate. It also leaves you with a larger down payment.

A longer term is often better because it gives you a smaller monthly payment, and that may be helpful when you’re getting your business off the ground.

Ask your loan officer to provide information on all available terms. You can then compare the finer details to decide which one best suits your current financial situation and future.

  1. What are your other options?

A personal loan isn’t the only place to turn for funds to start a business. You should look into other options such as a home equity loan, home equity line of credit, or business credit card. Just the same as a personal loan, there are pros and cons associated with all of these.

Take as much time as necessary to compare the finer details of all your options. You’re making a big change in your life, so you don’t want to put unnecessary stress on yourself by choosing the wrong type of loan. That’s not what you need when starting a business.

Final thoughts

Now that you have answered all these questions, you can more confidently decide if you should use a personal loan to follow your dream. There’s no shortage of benefits, so this may be just what you’ve been searching for.

What makes a personal loan a good choice in your eyes? Are there any risks associated with this financial product?

Phoebe Bridgers Shares New Video for ‘Sidelines’

Phoebe Brigers has today shared the music video for ‘Sidelines’, which we named our Song of the Week upon its release last month. Watch the clip below.

The track, which Bridgers co-wrote with her bandmate and collaborator Marshall Vore and Ruby Rain Henley, is taken from the soundtrack to Hulu’s TV adaptation of Sally Rooney’s Conversations With Friends. According to a press release, it will be Bridgers’ only original new single of the year.

Cola Unveil Video for New Song ‘Fulton Park’

Cola – the new project from former Ought members Tim Darcy and Ben Stidworthy and US Girls/The Weather Station drummer Evan Cartwright – have shared a new single from their upcoming debut album Deep In View, which is due out this Friday via Fire Talk. ‘Fulton Park’ follows previous entries ‘Blank Curtain’, ‘So Excited’, ‘Degree’, and ‘Water Table’. Check it out below.

“Ben and I had a flow writing this record where we would send each other demos every Friday,” Darcy explained in a press release. “It was a really motivating way to write, as I would spend the week working on something but then get the bonus of hearing what Ben had written when I sent him my track. I heard ‘Fulton Park’ and was immediately excited to work on vocals for it. It’s such an interesting instrumental. These lush almost psychedelic guitars in the intro and chorus are paired with this really stripped down almost honky tonk verse. It conjured in my mind this kind of old west imagery. I suppose looking back on the lyrics now, that same kind of juxtaposition is present. Similar to ‘Landers’, it takes a look at the natural world and then the odd, magical, sometimes empty things that humans do on that landscape.”

Xenia Rubinos Shares Video for New Song ‘No Me Dejes Caer’

Xenia Rubinos has unveiled a new song called ‘No Me Dejes Caer’. It’s the second in a series of reimagined songs from her latest album Una Rosafollowing ‘La Madrugada’. A reworking of ‘Darkest Hour’, the track features vocals from Combo Chimbita’s Carolina Oliveros. Check out a video for it below.

According to a press release, the original song was “written about the loneliness that is often felt while touring – how she’d be going through a rough moment while people in the audience were consoled by her music, and how painful it was to not feel like they do.” Rubinos explained:

I remember it hurt so much because I wanted to feel like them, transformed by the show and I didn’t – I just smiled and thanked everyone, took photos with people after the show. For me, the show continued until the last person left the venue. It was always so important to me that the audience would take away any image of what they had of the show each night and that my “real” self wouldn’t get in the way or break their good feeling or inspiration.

Commenting on the song, Oliveros said that it “speaks very vulnerably about those feelings that emerge in an artist’s path, reflecting the relationship between one’s art and the passionate messages we share from the heart to those willing to listen. It came from a dark moment in search of the light and support from our friends, family, and fans that so lovingly give and receive in that exchange of energy that so uniquely happens while you feel so free playing music.”

Ty Segall Releases New Single ‘Saturday Pt. 2’

Ty Segall has released a new single, ‘Saturday Pt. 2’, taken from his forthcoming album Hello, Hi”. Following the record’s title track, the song features saxophone from Segall’s frequent collaborator Mikal Cronin. Listen to it below.

“Hello, Hi” is due for release on July 22 via Drag City.

This Week’s Best New Songs: Kendrick Lamar, Julia Jacklin, Stella Donnelly, and More

Throughout the week, we update our Best New Songs playlist with the new releases that caught our attention the most, be it a single leading up to the release of an album or a newly unveiled deep cut. And each Monday, we round up the best new songs released over the past week (the eligibility period begins on Monday and ends Sunday night) in this best new music segment.

On this week’s list, we have Kendrick Lamar’s ‘Mother I Sober’, the longest and most resonant song on his new album, a heart-wrenching meditation on collective trauma that slowly builds intensity, over somber pianos and with gentle accompaniment from Portishead’s Beth Gibbons; the tenderly devastating new track from Bartees Strange, ‘Hold the Line’, which was inspired by George Floyd’s daughter, Gianna; ‘Welcome to Hell’, the nightmarish, shape-shifting lead single from black midi’s third album; Julia Jacklin’s sparse and meditative ‘Lydia Wears a Cross’, which leads her upcoming LP PRE PLEASURE; ‘Thin Thing’, a captivating, jazzy highlight off the Smile’s debut album; Stella Donnelly’s danceable yet lyrically complex ‘Lungs’, the opening track off her recently announced LP Flood; and ‘Ptolemaea’, a horrific, Chelsea Wolfe-esque standout from Ethel Cain’s debut album that sets distorted vocals against thrashing guitars.

Best New Songs: May 16, 2022

Song of the Week: Kendrick Lamar feat. Beth Gibbons, ‘Mother I Sober’

Bartees Strange, ‘Hold the Line’

black midi, ‘Welcome to Hell’

The Smile, ‘Thin Thing’

Julia Jacklin, ‘Lydia Wears a Cross’

Stella Donnelly, ‘Lungs’

Ethel Cain, ‘Ptolemaea’

Watch Janet Jackson Present Mary J. Blige With Icon Award at the Billboard Music Awards

Janet Jackson presented Mary J. Blige with the Icon Award at the Billboard Music Awards last night (May 15). “Mary J. Blige represents truth. Her work has always given us comfort because she sings me, she sings you,” Jackson, who received the same award in 2018, said in her introductory speech. “Mary has made a commitment to her fans to always be her authentic self. Now that’s real love.” Queen Latifah, Gabrielle Union, and Taraji P. Henson, and more honored the artist during an accompanying video montage. Watch it below.

Accepting her award, Mary J. Blige thanked her fans and a slew of collaborators who have contributed to her success. “The way the world is now, I think people think icons are born that way, they become a legend overnight, but that is definitely not the case,” she said. “It takes a lot of time, a lot of hard work, and a lot of survival, trial and error to achieve greatness. I’ve been on this journey for a long time, one that didn’t always look the way you see me now, one that is filled with a lot of heartache and pain. God helped me to channel those emotions and experiences into my music.”

Watch Wet Leg Perform ‘Wet Dream’ and ‘Ur Mum’ on ‘Later’

Wet Leg rolled through Later… with Jools Holland to perform two singles from their self-titled debut: ‘Wet Dream’ and ‘Ur Mum’. The Isle of Wight duo made their debut on the show in October, playing ‘Chaise Lounge’. Watch their performance below.

In recent months, Wet Leg have made several television appearances, including on Late Night with Seth Meyers, The Tonight Show Starring Jimmy Fallon, and The Late Late Show with James Corden. Wet Leg’s debut LP came out in April.

13 Best Quotes from All Quiet on the Western Front (1979)

Based on the German novel by Erich Maria Remarque, All Quiet on the Western Front is an English language TV movie adaptation set in World War I. Despite the television release, the 1979 adaptation has an epic, cinematic quality about it, thanks to the large-scale scenes in trenches and bombed villages, as well as the main character’s poignant narration. Paul Baumer (played by Richard Thomas) is a young German soldier who enlists to fight for his country. At the beginning of the war, he and his classmates are filled with idealistic, patriotic ideas about Germany and warfare, and these ideas are reinforced when they attend a rigorous training camp in preparation for battle.

Over the course of the war, Paul and his friends come to realise that much of the information they have been fed was propaganda. An older veteran, Ernest Borgnine’s Stanislaus Katczinsky (affectionately called Kat), is a key player in the boys’ disillusionment. Kind and patient, he treats them like people rather than soldiers, and helps them learn the harsher truths about war. Ironically, Remarque’s book was banned in his own country during the Second World War, which now gives the story an added layer of authenticity and urgency. Here are the best quotes from the 1979 film adaptation.

  1. “You still think it’s beautiful to die for your country. The first bombardment taught us better. When it comes to dying for country, it’s better not to die at all.”
  2. “And our bodies are earth. And our thoughts are clay. And we sleep and eat with death.”
  3. “In the training camp, they filled you with fancy information on how to be a soldier. We’re going to work hard to forget all that. I’ll teach you practical things. Like how to put your diapers on in the front lines.”
  4. “Shoot the wounded horses! Shoot them! Shoot them, can’t you? Shoot them … What have they done? They haven’t done anything … It’s wrong killing horses.”
  5. “They brought us delicious Edammer cheese. We eat and drink of course but there is no joy in it because they always feed us like this before they send us into hell.”
  6. “How long is it? Days, weeks, months, and years. Attack, counterattack, and the dead pile up. Winter, summer. The days are hot and the dead lie unburied. The shells will bury them. But when the wind blows towards us it brings the smell of blood, which is heavy and sweet.”
  7. “I didn’t want to kill you. But you just jumped in here like that. What would you have done? It’s just I’d never met you before like this face to face. I just saw your rifle, your bayonet, grenades. If we threw all those away we could be brothers. But they never want us to know that, do they? They never want us to know. We each have mothers, fathers, the same fear of death. The same pain. The same everything. Everything. Forgive me, comrade.”
  8. “Be careful with these uniforms, boys. They have to be handed down to the next bunch of heroes that get reviewed by the Kaiser.”
  9. “Kat, why do you think we’re in this war?”
    “Protect the Fatherland.”
    “What are the French fighting for?”
    “Protect the Motherland.”
    “And who’s right?”
    “Whoever wins.”
  10. “Can you imagine that little peacock (Himmelstot) getting a medal from the Kaiser?”
    “He behaved like a true German soldier. He ran ahead when he was told to run ahead. And he ran back when he was told to run back. The only thing he didn’t do like a German soldier was die.”
    “Do you think that’s what we’re fighting for? Just to die?”
    “Do you know what we’re fighting for? Does anybody know what we’re fighting for? Does the Kaiser?”
  11. “I used to live in this room. All my things are here, all my books. My beloved books. But they no longer speak to me as they used to, for I am no longer what I was when I lived in this room. I am a soldier. My business is not reading; it is killing. My knowledge of life is limited to death.”
  12. “Out there all men think as I do; there’s no argument about the meaning of life because it has no meaning.”
  13. “He was talking. Ten minutes ago. We were talking.”

18 Beautiful Stills from Jane Eyre (2011)

The 2011 film adaptation of Charlotte Brontë’s Gothic novel Jane Eyre is a gorgeous piece of cinema, thanks partly to Adriano Goldman’s incredible cinematography. Throwing the moors into sharp contrast against the sunny, floral grounds of Thornfield, the film follows Jane’s tumultuous journey from childhood to her role as governess to almost marrying her employer, the mysterious Mr. Rochester. While in Brontë’s novel Jane speaks directly to the reader, the film is framed by her mad dash through the foggy wilderness after she learns that Rochester has lied to her about his past. The plot will be familiar to readers of the book, but this film adaptation is a brilliant, vivid journey that shines fresh light onto Jane’s character.

Portrayed by Mia Wasikowska, Jane is haunted by her dark, lonely, and abusive past – something she’s trying to escape in her new position as governess to the cheerful Adèle (Romy Settbon Moore), Rochester’s “charge”. Edward Rochester (Michael Fassbender) is not present when Jane first arrives at Thornfield Hall, and when she does finally meet him, he remains just as much of a mystery to her. Though Thornfield is an isolated place, rumors swirl about Rochester, about Jane, and eventually about their relationship. A series of unsettling events – strange noises in the night, a sudden fire, and Rochester’s random outbursts – doesn’t seem to affect her opinion of him, which gives the viewers clues about Jane’s own character.

Though this classic book has been adapted numerous times, the 2011 adaptation stands out, as do its memorable visuals. Here are some of the best stills from Jane Eyre.