Biden will extend student loan payment deferrals until October cnn.com/2021/01/20/politi…
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πŸ‘€︎ u/donbbqq
πŸ“…︎ Jan 20
🚨︎ report
The guy who stole a letter from Pelosi’s office got a PPP loan dailydot.com/debug/letter…
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πŸ“°︎ r/politics
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πŸ‘€︎ u/Ntozake_Nelson
πŸ“…︎ Jan 07
🚨︎ report
Joel Osteen's Lakewood Church got $4.4 million in federal PPP loans houstonchronicle.com/news…
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πŸ“°︎ r/politics
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πŸ‘€︎ u/johntempleton
πŸ“…︎ Dec 15 2020
🚨︎ report
Biden to direct Department of Education to extend student loan payment freeze cbsnews.com/news/student-…
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πŸ“°︎ r/politics
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πŸ‘€︎ u/byKateSmith
πŸ“…︎ Jan 20
🚨︎ report
Poll: 60 percent support Biden canceling up to $50K of student loan debt per person thehill.com/hilltv/what-a…
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πŸ‘€︎ u/checkmak01
πŸ“…︎ Nov 25 2020
🚨︎ report
Donald Trump and Jared Kushner receive $3.65m in PPP loan money intended for small businesses, report says independent.co.uk/news/wo…
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πŸ‘€︎ u/beefwbroccoli
πŸ“…︎ Dec 02 2020
🚨︎ report
Penguins, valued at $650M, received $4.82M COVID loan nypost.com/2020/12/27/pen…
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πŸ“°︎ r/hockey
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πŸ“…︎ Dec 27 2020
🚨︎ report
Tottenham 'unlikely to extend Gareth Bale's loan for a second season' with Welsh star set to return to Real Madrid this summer after playing just 161 minutes of Premier League football dailymail.co.uk/sport/foo…
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πŸ‘€︎ u/TheMechanic04
πŸ“…︎ Jan 15
🚨︎ report
Elizabeth Warren Urges Joe Biden to Cancel Billions in Student Loans newsweek.com/elizabeth-wa…
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πŸ‘€︎ u/sortizo
πŸ“…︎ Nov 12 2020
🚨︎ report
[Abola.pt] Fenerbahce want loan Eden Hazard until the end of the season (Ajanssport) abola.pt/nnh/2021-01-17/t…
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πŸ‘€︎ u/64bit-karas
πŸ“…︎ Jan 18
🚨︎ report
Friendly reminder that Joel Osteen had to be shamed into opening his church for displaced people after hurricane Harvey. That didn’t stop the GOP from handing his church millions in PPP loans. However, the GOP can’t agree on another $1,200 check. They treat pastors like kings & us like peasants.

Osteen had to be shamed into opening his huge church for displaced people after hurricane Harvey destroyed Houston. source.

Now, however, we found out that the gop stimulus bill handed out millions in forgivable PPP loans to his church, despite the fact that his church is filthy rich and greedy as fuck.

The senate republicans treat these scamevangelists like kings and they treat us like peasants.

Disgusting.

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πŸ“°︎ r/atheism
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πŸ‘€︎ u/relevantlife
πŸ“…︎ Dec 16 2020
🚨︎ report
Who Gains Most From Canceling Student Loans? | How much the U.S. economy would be helped by forgiving college debt is a matter for debate. bloomberg.com/opinion/art…
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πŸ“°︎ r/Economics
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πŸ‘€︎ u/viva_la_vinyl
πŸ“…︎ Nov 28 2020
🚨︎ report
Anti-vaccine groups received more than $1 million in small-business relief loans. nytimes.com/2021/01/18/wo…
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πŸ‘€︎ u/3dprinteddildo
πŸ“…︎ Jan 18
🚨︎ report
COVID Relief Package Contains a $120 Billion Gift to the Superwealthy | Forgiven loans, combined with a tax break, mean a windfall for rich business owners. motherjones.com/politics/…
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πŸ‘€︎ u/theladynora
πŸ“…︎ Dec 17 2020
🚨︎ report
Tom Brady’s Company TB12 Inc. Received Nearly $1 Million In PPP Loans boston.cbslocal.com/2020/…
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πŸ‘€︎ u/PotRoastPotato
πŸ“…︎ Dec 05 2020
🚨︎ report
[JFD] Odegaard has asked Madrid to let him leave on loan. marca.com/futbol/real-mad…
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πŸ“°︎ r/realmadrid
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πŸ“…︎ Jan 19
🚨︎ report
Wells Fargo Using Incredibly Inexperienced Mortgage Loan Consultants

I'm currently in the process of financing the purchase of a home through Wells Fargo. After a few phone conversations with my mortgage loan consultant, who is tasked with walking me through the entire process, I began to suspect that he wasn't really experienced in this arena when I corrected him on interest rate terms a couple times. When I received a loan estimate summary, I noticed there were several lines that were questionable so I took a screenshot and sent it to him. He responded back and thanked me for bringing this to his attention and said that he would "escalate it to his internal team." After this, I began to snoop.

I found his LinkedIn page and it looks like he has a bachelor's in marketing and this seems to be his first real job post-college. Not knocking a marketing degree but it is definitely unrelated to the mortgage process. He's a nice guy and all, and I'm in finance so I'm confident in my ability to catch errors and oversights, but I'm getting a little nervous that something could slip through the cracks and end up throwing a wrench in the process.

Anyone have a similar experience working with Wells Fargo or other banks on a mortgage and receiving someone with questionable qualifications? Should I take any action to try to work with someone a little more experienced?

Edit: It was not my intent to shit on the WF employee. He has been responsive and polite and I recognize that everyone is new at some point. I just wanted a little insight into what my expectations should be for this process.

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πŸ“°︎ r/personalfinance
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πŸ‘€︎ u/Raininggainz
πŸ“…︎ Jan 11
🚨︎ report
Media: Luka Jovic leaves Real Madrid, will return to his former club Eintracht Frankfurt on loan for the remaining season republika.rs/sport/fudbal…
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πŸ‘€︎ u/derRobn
πŸ“…︎ Jan 12
🚨︎ report
I paid off my student loan in full today!!

I've always been a "glass half full" type guy, and let me tell you... COVID-19 really gave me a great opportunity this year. I just finished a master's program in June of 2019 with $15K in student loans. The terms of the loan were such that interest wouldn't begin accruing until February of 2020. I had just begun working full time in January of 2020 in a high cost of living area. Then COVID hit.

During this time, the government froze all interest accruals on federal loans until further notice ("involuntary forbearance"). I also moved home to be with my family and cut my absurdly high rent expense out of my life.

Super randomly, during the year I ended up needing to take a 5 week unpaid medical leave (un Covid related). And despite it all, less than a year later, I had enough money to pay off the ENTIRE loan, with only one month of accrued interest!!!

I recognize how fortunate I am to have a job, to be healthy, and to be with my family during this time. I know other people have much larger debts to be dealing with too. I don't want to come off as unappreciative of this situation. I'm just so incredibly stoked to have this debt off my back!!

Now I know there are benefits to carrying low cost debt while investing the rest, as well as other benefits for your credit history for having an extended history of consistent loan payments. This isn't the route I chose however. I saved every week, and had enough at the end of 1 year to pay off the entire loan. I'm beyond happy with my decisions!

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πŸ‘€︎ u/gentlesir123
πŸ“…︎ Jan 20
🚨︎ report
I'm getting asked about broad student loan forgiveness a lot - here's my thoughts

Forgiveness will not happen via executive order - full stop. There's legal memos out there stating the authority to do so isn't there and Biden himself is calling on Congress to do it rather than saying he will.

The broad student loan forgiveness proposal is controversial even among Democrats so it's very much an uphill battle. I don't see them doing it at all unless they address what accrues the debt in the first place - the cost of higher ed. If there's a reconciliation bill where Congress has the appetite to take on such a broad policy change then maybe...maayybbee...they will include the $10K but i suspect even if they do there will be income parameters and maybe other parameters. No I don't know what those might be.

The fact that Sanders is already calling for reconciliation and the fact that Congress actually has three bites at the reconciliation apple is hopeful. You can read more about it here https://www.forbes.com/sites/zackfriedman/2021/01/12/congress-may-cancel-student-loans-in-new-stimulus-package/?source=bloomberg&sh=47f172ef388d The article talks about it being added to the stimulus bill - which it wasn't - but applies to reconciliation as well.

In short and so there's no misunderstanding - i still say broad forgiveness is unlikely. I give it a 10% chance which is 9.9999999% more than I would have given it in the last 25 years. Nobody should be making financial decisions assuming forgiveness. Don't take out more loans than you need because of this; don't go buy a life sized statute of Christopher Walken or even Danny Davito instead of paying your student loans; don't give up your side hustle. Plan for the worst - hope for the best.

Edit: biden just released an outline of his proposal from last night. Nothing about student loans.

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πŸ“°︎ r/StudentLoans
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πŸ‘€︎ u/Betsy514
πŸ“…︎ Jan 15
🚨︎ report
Rob Holding commits to Arsenal by signing new long-term contract. Centre-back close to Newcastle loan in Aug but Arteta blocked & now regular starter. 25yo seen as emerging leader + recently extended deal which ran until 2023 twitter.com/david_ornstei…
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πŸ‘€︎ u/TheIrishBear24
πŸ“…︎ Jan 11
🚨︎ report
Church of Scientology, worth billions, took at least 30 PPP loans dailydot.com/debug/scient…
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πŸ“°︎ r/politics
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πŸ“…︎ Dec 03 2020
🚨︎ report
Student, Community Groups In Philadelphia Call On President-elect Biden To Cancel All Federal Student Loan Debt philadelphia.cbslocal.com…
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πŸ‘€︎ u/fuckyeahwoolsocks
πŸ“…︎ Jan 05
🚨︎ report
Why don't hackers eliminate student loan records?

With all the hacking into medical records and financial institutions, why isn't there a hacker who will go in and erase student loan records? Is it because it doesn't benefit them in any way? Also, if any hacker reads this.... you know what to do. Lol

Okay, I'm editing this because people are assholes. I never once said I wasn't paying my loans back. I am obviously paying them right now. I simply asked a question. Also, why are people assholes on a subreddit that is centered on TOO AFRAID TO ASK. Jfc. If people can't ask things here, then where?

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πŸ“°︎ r/TooAfraidToAsk
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πŸ‘€︎ u/captainbollo
πŸ“…︎ Dec 22 2020
🚨︎ report
Martin Odegaard a player Arsenal like a lot & a loan from Real Madrid would ease creativity burden on Smith-Rowe. As @skysportspaulg revealed #AFC have made an approach for the 22yo Norwegian but they’re not alone. twitter.com/david_ornstei…
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πŸ“°︎ r/Gunners
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πŸ‘€︎ u/TheIrishBear24
πŸ“…︎ Jan 20
🚨︎ report
Joe Biden calls on Congress to act immediately to forgive student loans nypost.com/2020/11/18/joe…
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πŸ“°︎ r/politics
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πŸ‘€︎ u/Xxpsychosis666
πŸ“…︎ Nov 18 2020
🚨︎ report
Trump, Kushner Companies Were Major Beneficiaries of PPP Loans nbcwashington.com/news/bu…
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πŸ“°︎ r/news
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πŸ‘€︎ u/Clameleon
πŸ“…︎ Dec 02 2020
🚨︎ report
Biden administration to extend student loan payment pause on Day 1, transition officials say marketwatch.com/story/bid…
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πŸ“°︎ r/politics
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πŸ‘€︎ u/galt1776
πŸ“…︎ Jan 09
🚨︎ report
Biden plans to extend student loan payment pause β€˜on day one,’ supports forgiving $10K in debt fox7austin.com/news/biden…
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πŸ‘€︎ u/Smash_4dams
πŸ“…︎ Jan 11
🚨︎ report
Update: Update: AITA For Requiring My Sister to Sign A Legally Binding Contract Before I Loan Her Money?

Original: https://www.reddit.com/r/AmItheAsshole/comments/jj7dwx/aita_for_requiring_my_sister_to_sign_a_legally/

Thanks to all the wonderful and helpful comments. I won't lie familial pressure/guilt was getting to me a little because I realize how fortunate I am. I also wanted to apologize for downplaying my socio-economic status. I just have been living beneath my means for so long I sometimes forget how fortunate I truly am. I just wanted to show my children the importance of being financially responsible and rarely ever splurged.

In the end I contacted my sister and BIL for a sit down, public so they couldn't cause too much of a scene, but private enough so we could vaguely discuss sensitive information plus there was the social distancing. I simply did a basic laid down of the situation. I told them that I needed them to hear everything I had to say first and if they interrupted me I would walk away and not give lend them a cent.

First, I told them that it is good to help family when you can, but couldn't give them $40,000. I am able to offer them $3,200/mo for at least six months. I told them that I simply can't afford anymore without it effecting my kids and that I am a mother before I'm a sister or daughter. I also told them that I can't afford to bail them out every time they're in trouble and that since the future is so uncertain I may not always have the means to care for others. My money is going to have string attached and if they didn't like it they could go somewhere else. I made it clear that I wasn't doing this to be mean or controlling but I want to help my sister help herself. The rules were:

A) The money would be deposited in a new Joint bank account with one Authorized Signer.

B) My sister and BIL were going to meet with a Financial Advisor (which I would pay for).

C) Since neither of them are working it doesn't make sense to have two cars so I expect them to sell one of them and then our parents can let my sister or BIL use one of their cars when they need it.

D) Before they can get the first payment they will be having their meeting with the Financial Advisor and I will be in the meeting just so I know they went.

I made it very clearly that this is the best that I could GIVE them. They looked upset but I told them that Beggars can't be Chooser. They said they'd "think" about it. I knew that my sister was going to c

... keep reading on reddit ➑

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πŸ“°︎ r/AmItheAsshole
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πŸ“…︎ Dec 11 2020
🚨︎ report
Biden plans to extend payment pause for student loan borrowers until October 2021 cnbc.com/2021/01/20/biden…
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πŸ“°︎ r/politics
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πŸ‘€︎ u/trillnoel
πŸ“…︎ Jan 20
🚨︎ report
Biden-Harris transition official confirms Biden will direct DOE to extend the student loan interest freeze per ABC

Source: https://twitter.com/mollynagle3/status/1347645958667038726?s=21

Additional details and duration not immediately available

πŸ‘︎ 654
πŸ“°︎ r/StudentLoans
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πŸ‘€︎ u/Legal_Investor
πŸ“…︎ Jan 08
🚨︎ report
Joel Osteen's Lakewood Church got $4.4 million in federal PPP loans houstonchronicle.com/news…
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πŸ“°︎ r/atheism
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πŸ‘€︎ u/CJKayak
πŸ“…︎ Dec 15 2020
🚨︎ report
[Official] Real Madrid striker Luka Jovic returns to Eintracht Frankfurt on loan twitter.com/Eintracht/sta…
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πŸ“°︎ r/soccer
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πŸ‘€︎ u/derRobn
πŸ“…︎ Jan 14
🚨︎ report
Judge orders Trump administration to reveal PPP loan data it sought to obscure nbcnews.com/news/amp/ncna…
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πŸ“°︎ r/news
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πŸ‘€︎ u/h2t2
πŸ“…︎ Nov 08 2020
🚨︎ report
A Bank Mortgage Assessor's Home Loan Basics

I work in credit approval for a bank and typically approve a couple million in loans a day. I thought a brief guide may be helpful for someone who is looking at either refinancing or getting a loan for the first time. All banks have different policies, these are all general comments around the basics and vary from bank to bank.

How much can I borrow?

Rule of thumb - up to 6 times your normal income usually wouldn't be an issue unless you have personal loans / big household / big credit card spend. Up to 8 is typically the max policy limit for most banks.

Do the banks care about our assets?

Assets do contribute to a risk grading system, but the final say is done on servicing - so no

Servicing

A Bank will lend you money if your annual total cash inflows / income is greater than the sensitised new loan amount + other credit facilities + living expenses. Some banks are more conservative than others. Servicing killers include credit card limits, novated leases and personal loans. For example - a $500,000 loan commitment for 30 years would be roughly $30k a year in sensitised commitments. A 70k personal loan over 5 years is roughly around the same. In other words, don't get a large personal loan if you are planning on buying a house.

Credit Scores

If you have never had a credit facility before we don't care - this is not the US. You start out with a generic score rather than build one up.
Equifax reports show comprehensive data on your facilities for conduct and inquiries - the bank will know if you are lying or have forgotten any of them.
Common examples include Latitude Store cards that people forget. So try and remember everything to avoid unnecessary questions. Please also note that these checks pick up any directorships or businesses that are in your name.

Late repayments greater than 14 days are recorded on file. Banks appetite to account conduct varies - definitely not viewed positively but if it's a trivial thing then it can usually be worked around.

Living expenses

It amazes me how many people don't know how much they spend - e.g. declare $2k per month - provide the bank 6 months of statements showing $5k per month. Use pocket book or something to get an idea of what you are actually spending.

The bank uses the greater of declared living expenses or their internal HEM benchmark which is based on a reasonable living expense figure given household income, dependents etc.

Income

Ass

... keep reading on reddit ➑

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πŸ“°︎ r/AusFinance
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πŸ‘€︎ u/Turbulent_Meerkat
πŸ“…︎ Jan 16
🚨︎ report
[Chris Cwik] Tom Brady's company β€” TB12 Inc. β€” received nearly $1 million from PPP loan in 2020 sports.yahoo.com/tom-brad…
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πŸ“°︎ r/nfl
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πŸ‘€︎ u/ThatHeinousAnus
πŸ“…︎ Dec 04 2020
🚨︎ report
Tesla gainz from a loan yolo thank u papa reddit.com/gallery/ksheq5
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πŸ“°︎ r/wallstreetbets
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πŸ‘€︎ u/Roanoa_Zoro
πŸ“…︎ Jan 07
🚨︎ report
PAID OFF THE LAST OF MY STUDENT LOANS AT 9% INTEREST 🀌 COULDN’T REFINANCE AND DECIDED TO PAY IT OFF INSTEAD OF WASTING $45 / MONTH ON INTEREST
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πŸ“°︎ r/povertyfinance
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πŸ‘€︎ u/StokingandJoking
πŸ“…︎ Jan 07
🚨︎ report
[Official] Moussa DembΓ©lΓ© has joined AtlΓ©tico Madrid on loan until the end of the season. twitter.com/Atleti/status…
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πŸ“°︎ r/soccer
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πŸ‘€︎ u/edwinx1903
πŸ“…︎ Jan 13
🚨︎ report
What is the most upside down someone has been in a car loan that came into your dealership?

My friend works at a large Honda dealership and he's always telling me stories about people being buried in debt and they're fascinating.

Anyone have any stories?

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πŸ“°︎ r/askcarsales
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πŸ‘€︎ u/RunningToolStart
πŸ“…︎ Jan 11
🚨︎ report
And maybe pay off your student loans before you're 40?
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πŸ“°︎ r/tumblr
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πŸ“…︎ Dec 22 2020
🚨︎ report
Australian influencers are promoting luxury car loans to their young audiences β€” and they may be violating ACCC guidelines businessinsider.com.au/in…
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πŸ“°︎ r/AusFinance
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πŸ‘€︎ u/cameronwilsonBF
πŸ“…︎ Jan 15
🚨︎ report
Arsenal have recieved a Β£120m loan from the government to partially assist in managing the impacts of the revenue losses attributable to the COVID-19 pandemic. The loan must be repaid (with interest) by May. arsenal.com/news/club-rec…
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πŸ“°︎ r/soccer
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πŸ“…︎ Jan 07
🚨︎ report
LPT: If you are in your 20s, study Personal Finance like your life depended on it (Investing, 401 (k), Roth IRA (RRSP and TFSA in Canada), credit score, credit and debit cards, debts, loans, bankruptcy, etc.) It's a travesty that it's not mandatory learning in school.
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πŸ“°︎ r/LifeProTips
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πŸ‘€︎ u/CircleBox2
πŸ“…︎ Oct 31 2020
🚨︎ report
Niece asked me to co-sign her student loan.

First of all, the answer is going to be no. For a lot of reasons.

Basically, something happened with her government loan for last semester. Something got denied and she’s now on the hook. It’s around 11k. So she is trying to take out a private student loan and needs a co-signer. She told me it would cost me nothing and that I wouldn’t be responsible for anything. Clearly she doesn’t understand how a co-signer works. Yes, I would be on the hook if she doesn’t pay and the loan amount is applied to my debt to income ratio. My wife and I are also planning on having our first child. The last thing I need is a loan over my head for a decade or more for something I didn’t buy.

For context, my sister is divorced and both she and her ex husband have less than stellar credit. My sister said she can co-sign if I can’t, but she would prefer not to as she wants to buy a house this year.

My question is, how should I handle this? I’m absolutely saying no. But I also want her to understand why the answer is no. I want her to understand why. I still have bills, my wife’s student loans, etc. How would you guys handle this?

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πŸ“°︎ r/personalfinance
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πŸ‘€︎ u/2shitsleft
πŸ“…︎ Jan 06
🚨︎ report
Thank you Bitcoin, you have now officially wiped out my student loans

When I was getting my MBA, I had to sell all of my assets to pay for school and took out over $100K in student loans. The only thing I didn't sell was my Bitcoin. Today Bitcoin surpassed $35,386 triggering my sell order of 1 BTC that is equal to my current student loan balance. Now I am debt free and can switch focus from paying off my student loans to saving for my daughter's college fund so she never has to take on debt for college. Thank you Bitcoin, you have changed my life and the life of my family forever!

πŸ‘︎ 1k
πŸ“°︎ r/Bitcoin
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πŸ‘€︎ u/MBA2016
πŸ“…︎ Jan 06
🚨︎ report
Confirmed. Amad Diallo is set to join Manchester United in January and not in June, despite Atalanta trying to keep him on loan until the end of the season. πŸ”΄ Diallo won’t be part Atalanta team for next match against Sassuolo. Solskjaer wants him right now @ #MUFC. πŸ›« twitter.com/FabrizioRoman…
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πŸ“°︎ r/reddevils
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πŸ‘€︎ u/indian_soros
πŸ“…︎ Jan 02
🚨︎ report

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