#30 year mortgage rates

[insuranceaims]

Introduction to Mortgage: What is the Mortgage

Introduction to mortgage: A mortgage is a settlement that permits a borrower to shop. For a house or one of a kind property from a lender. Typically, a financial institution or special financial organization. In return, the borrower has the same opinion to pay down.

insurance | mortgage | mortgage rates mortgage rates today| current mortgage rates | interest rates today mortgage interest rates| fha loans | 30 year mortgage rates mortgage interest rates today|insurance aims|insuranceaims

[voidsentprinces]

Can’t fix Zenos. But you already got him down atrocious and you haven’t tried. Imagine if you tried. Imagine what you could accomplished. Thats right, you’d make him even MORE feral.

[allmortgagesus]

Secure Stability with a 30-Year Fixed Rate Mortgage | All Mortgages

Achieve financial stability and long-term peace of mind with a 30-year fixed rate mortgage from All Mortgages. This popular loan option provides predictable monthly payments and a locked-in interest rate, making it easier to plan your budget and focus on what truly matters—your home and future.

Our 30-year fixed rate mortgage is perfect for homebuyers seeking affordability and stability. With a longer repayment term, you can enjoy lower monthly payments, giving you flexibility in managing your finances. Plus, with All Mortgages, you’ll benefit from competitive rates and expert guidance throughout the entire process.

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Start building your future today with a trusted partner by your side. Visit allmortgages.net to learn more about our 30-year fixed rate mortgage options and take the first step toward securing your dream home.

[kentuckybats]

How to get best mortgage rates in Kentucky for FHA VA USDA and Fannie Mae conventional loans

How to get best mortgage rates in Kentucky for FHA VA USDA and Fannie Mae conventional loans

[myperfectmortgage]

Discover the power of smart financial planning with our Mortgage Refinance Calculator. This comprehensive guide walks you through the intricacies of mortgage refinancing, helping you make informed decisions about your home loan. Use our advanced calculator to analyze potential savings, compare interest rates, and determine the most favorable terms for your mortgage refinance. Empower yourself with the tools you need to unlock financial freedom and secure a brighter future for your home investment. Start your journey towards a more affordable mortgage today

[your-property-man-chris-johnson]

(via Mortgage rates and the rest of 2023 (Video))

[monzamash]

★ bargain bin — lando norris

how the other half lives lando norris x older!reader rating — 18+ (sex, coarse language, age gap) —requested by lovely anon, thank you for the wonderful idea.

"merry christmas… hello!" lando sang as he guided you through the wide open front door of his parents' home. 

the holiday festivities had already begun by the echo of christmas tunes filtering through the open plan along with the rich smell of a delicious home-cooked lunch inviting you in. 

“we’re in here, love!” his mum sang back from down the hallway, every step getting you closer to all the cheerful voices melding into a sound of pure joy. 

that sound truly summed up lando’s family. they were joy personified. you had met them a couple of times in passing, mostly at races or whenever lando had a formal event to attend. they were always by his side, supporting and cheering him on and you adored how much they loved their son. 

you hadn’t been to their home, lando's childhood home. of course you wondered what it would look like, curious to know how the man you had fallen in love with grew up. the two of you were from vastly different backgrounds but all was fair in love and war, no preconceived notions or judgements — only mutual respect and a connection that couldn't be ignored. but you were curious to know how the other half lived, failing to suppress a giggle when you bypassed the study. 

"golden boy," you whispered, pointing to the small shrine dedicated to lando and his career that was set up in what looked to be his father’s office, earning yourself a gentle shove.

"oh god… that's embarrassing," he muttered quietly with a smirk as you took a couple of strides in, running your fingers over the karting trophies all lined up in a perfect row.

“it’s cute. they’re so proud of you.”

all lando could do was smile and hide his blush. he was the twinkle in their eye and all you wanted was for them to like you. 

your relationship with lando was somewhat untraditional, being five years his senior. age is nothing but a number, he had said when you first met through mutual friends on a holiday in mallorca, the connection between the two of you growing instantaneously. he was the charming brit that your friends had warned you about, single and destined to fall head over heels for you — and he did. lando couldn’t believe his luck when you waltzed into the villa, a sight for sore eyes and a smile that made his heart clench with something resembling love. 

the age difference wasn’t a problem at first, most of his friends were older so it made sense that he would blend into the group without a second glance. it wasn’t until the perfect spanish bubble burst and you found yourself cuddled up in his arms, reuniting after a couple of weeks apart and feeling the weight of it all on your shoulders. his life was chaotic, an excuse to be perpetually young — adrenaline filled and without real life responsibilities. 

“i just don’t want you to get sick of me because i have a 9-5 job and a mortgage. it’s boring adult stuff that gets me down and you're doing what every kid dreams of. we’re from very different worlds — god, what would your parents think of you dating a 30 year old…” you’d barely taken a breath when lando rested his hand on your cheek with a sigh. 

“there’s a reason why our worlds collided and i wanna know where it takes us. i'm falling in love with you and i think you are too so let’s see what happens, yeah? plus, you’re like a dream girl to take him to the parents — they’re gonna love you.”

and from day forth, you put those fears behind you and focused on the beautiful moments happening right before your eyes. spending the holidays with lando and his family was a dream, all of the sleepless nights worrying about what they thought was wasted when all you needed to do was trust the man you loved.

“ah, my two favourite people,” lando’s father greeted as he bundled lando up in a hug and pulled you in next with a grin the size of the moon, “so uncle rodney is making cocktails and you can pop any presents under the tree in the living room — lando can show you.”

“thanks so much again for inviting me, adam,” you whispered, earning a reassuring squeeze to the shoulder, “of course, love — we’re glad you were able to join us.” 

lando clasped your hand and showed you the way. the house seemed to go on forever until finally spotting the biggest christmas tree you had ever seen, “wow.” 

“we go big in the norris household — not just with the tree,” he motioned towards the tower of presents, mostly labelled with his sweet niece's names.

"it’s so beautiful," you admired before kneeling down and carefully placing the presents you two bought under the tree, spending a little extra time inspecting the one that had a little card hanging off the side with your name scribbled in lando’s distinctive handwriting.

"oi, behave yourself," lando scolded playfully, catching you red-handed shaking the small box with a guilty smirk.

"what are you gonna do? tell on me?" you teased, peering up at him with puppy dog eyes and playfully poking at his hip. lando gently captured your wrist and helped you up from the floor before dragging you in close for a hug, "maybe you won't get your present from me now. how would you like that?" 

your face fell into a pout as he pressed a sweet kiss to your lips, "okay fine," you surrendered, rolling your eyes at lando’s triumphant grin. 

"hmm, that's what i thought, darling."

—

the norris clan were an absolute riot and lando was spot on with his prediction about everyone being too drunk to take any notice of the two of you. once everyone got their chance to chat to lando about racing and what was in store for the off-season, they went back to telling hysterical family stories and reminiscing about the old days. 

every time someone new told a story, you were blessed with a glimpse into the person lando was before you met him — all the little stories from his childhood and teen years really enriched the emotional side of your relationship and for the first time, it felt like both the physical and emotional sides had caught up with one another. you’d never felt emotionally closer and it solidified all of the feelings and conversations the two of you had been having lately. what did the future hold? where did you see yourselves in five years? so many of those questions fumbling around in your head were answered just by sitting and listening to his family. 

all you wanted was to feel like you and lando could happily spend the rest of your lives together and for the people closest to him to approve of that decision. the car ride home was quiet — lando humming the christmas song stuck in his head while you watched the twinkling city lights of london off in the distance.

"my parents really love you.”

you smiled to yourself while hanging your coat over the back of a kitchen stool, heart pumping a little fast than it was before.

“you think?”

lando nodded, smiling as he leaned against the counter in your shared apartment and admired the way your nose scrunched up, unsure of his genuinity. you were glowing under the warm christmas tree lights stretching up the walls, eyes sparkling with a glimmer of hope that his words were true. 

“i know they do. so do my sisters. and my brother… everyone loves you,” lando stepped forward and pressed your hips against the kitchen counter, sliding you easily up onto the surface. “—but i love you the most.” 

“love you the most too, baby.” you whispered before wrapping your legs and arms loosely around his body, pulling him in for a long awaited kiss. 

the two of you had been on your best behaviour all day, but seeing lando playing chasey with his nieces and making them laugh until their little faces were red made it really hard not to drag him to a quiet corner and beg for him to give you one of your own. he knew what you wanted, what you needed, making quick work of your underwear and skirting the thin material down your legs while you tugged on the buckle of his black belt. 

“so ready for me,” lando teased as his fingertips glided between your shaky thighs, embarrassingly easy if it weren’t for the fact he always had you like that. he fucking lived for having you dripping for him.

“mmm, need you to be ready for me too,” you played with a couple of quick strokes of his cock, earning a loud, raspy moan in your ear. it sent chills down your spine as he grasped your hand and took over, haphazardly lining himself up and nudging forward with a grunt.

“yes,” you whimpered, tightening your grip around lando’s shoulders as he lifted you slightly, guiding your hips in time with his, desperately chasing his high. 

“feels so fucking good,” he groaned into your mouth, as your head tilted back in pleasure. 

“lando?” you half moaned, half asked as his eyes squared with yours. “yeah?” 

“when do you think we should tell your parents that we’re trying to have a baby?” 

lando’s eyebrows furrowed as he continued to slide into you with a pace quicker than any fast lap he’d ever clocked, “fuck, baby,” he groaned, trying to hold his composure, “um, that’d be a long conversation about responsibility and marriage probably — they would want to meet your parents…” 

“are they super religious?” you were panting, lips only centimetres from his. 

“we have to stop talking about my parents while we’re… while this is happening,” lando groaned, face screwed up as he picked up the pace again —hips snapping deliciously in sync. 

“god, yeah, sorry, sorry!” you muttered, stifling a laugh as his hot breath washed over you in a chuckle. 

“lemme try and give you one before we start telling people, yeah?” he breathlessly whispered into your ear, pressing kisses along your collarbone with a smile, “you’re so bad…” 

you sighed, “i’m definitely on the naughty list this year.” 

“absolutely,” lando chuckled and gave you a soft kiss before getting to work on your ultimate christmas gift.

a/n — soooo keen to keep adding to this little story. let me know what you think!! and thank you all so much for getting involved in the end of (f1) season sale. it has been so fun writing for you guys this past month and hopefully i will be able to finish it off over the next couple of weeks but this fic felt like the best way to say goodbye to the formula one season ✨

[so-i-did-this-thing]

So, I have a big advice post to write, but until I have the spoons, I want to warn everyone now who has legally changed their first name:

Your credit score may be fucked up and you need to:

check *now* that all your financial institutions (credit cards, loans, etc) have your current legal name and update where necessary

check that all 3 credit bureaus, on their respective sites, not via a feed like Credit Karma (so, Trans Union, Equifax, Experian) are collecting that info correctly and generating the right score - you might need to monitor them for a few months if you made any changes in #1

I am about to apply for a mortgage and learned that as of 2 weeks ago:

Experian suddenly thinks I am 2 different people - Legal Name and Dead Name (none of whom have a score)

Equifax has reported my active 25 year old mortgage as closed and deleted one of my older credit cards, hurting my score by 30+ points

Credit scores influence everything from big home/car loans to insurance rates to job and housing applications.

And for whatever reason, the 3 bureaus that have the power to destroy your life are shockingly fragile when it comes to legally changing one's first name.

So, yeah. Once I get this mess cleaned up for myself, I have a big guide in the works if you find yourself in the same predicament. But with the mass trans migration out of oppressive states, odds are there are a lot of newly renamed people who are about to have a nasty shock when applying for new housing.

Take care, folks.

[simply-ivanka]

How the Biden-Harris Economy Left Most Americans Behind

A government spending boom fueled inflation that has crushed real average incomes.

By The Editorial Board -- Wall Street Journal

Kamala Harris plans to roll out her economic priorities in a speech on Friday, though leaks to the press say not to expect much different than the last four years. That’s bad news because the Biden-Harris economic record has left most Americans worse off than they were four years ago. The evidence is indisputable.

President Biden claims that he inherited the worst economy since the Great Depression, but this isn’t close to true. The economy in January 2021 was fast recovering from the pandemic as vaccines rolled out and state lockdowns eased. GDP grew 34.8% in the third quarter of 2020, 4.2% in the fourth, and 5.2% in the first quarter of 2021. By the end of that first quarter, real GDP had returned to its pre-pandemic high. All Mr. Biden had to do was let the recovery unfold.

Instead, Democrats in March 2021 used Covid relief as a pretext to pass $1.9 trillion in new spending. This was more than double Barack Obama’s 2009 spending bonanza. State and local governments were the biggest beneficiaries, receiving $350 billion in direct aid, $122 billion for K-12 schools and $30 billion for mass transit. Insolvent union pension funds received a $86 billion rescue.

The rest was mostly transfer payments to individuals, including a five-month extension of enhanced unemployment benefits, a $3,600 fully refundable child tax credit, $1,400 stimulus payments per person, sweetened Affordable Care Act subsidies, an increased earned income tax credit including for folks who didn’t work, housing subsidies and so much more.

The handouts discouraged the unemployed from returning to work and fueled consumer spending, which was already primed to surge owing to pent-up savings from the Covid lockdowns and spending under Donald Trump. By mid-2021, Americans had $2.3 trillion in “excess savings” relative to pre-pandemic levels—equivalent to roughly 12.5% of disposable income.

So much money chasing too few goods fueled inflation, which was supercharged by the Federal Reserve’s accommodative policy. Historically low mortgage rates drove up housing prices. The White House blamed “corporate greed” for inflation that peaked at 9.1% in June 2022, even as the spending party in Washington continued.

In November 2021, Congress passed a $1 trillion bill full of green pork and more money for states. Then came the $280 billion Chips Act and Mr. Biden’s Green New Deal—aka the Inflation Reduction Act—which Goldman Sachs estimates will cost $1.2 trillion over a decade. Such heaps of government spending have distorted private investment.

While investment in new factories has grown, spending on research and development and new equipment has slowed. Overall private fixed investment has grown at roughly half the rate under Mr. Biden as it did under Mr. Trump. Manufacturing output remains lower than before the pandemic.

Magnifying market misallocations, the Administration conditioned subsidies on businesses advancing its priorities such as paying union-level wages and providing child care to workers. It also boosted food stamps, expanded eligibility for ObamaCare subsidies and waved away hundreds of billions of dollars in student debt. The result: $5.8 trillion in deficits during Mr. Biden’s first three years—about twice as much as during Donald Trump’s—and the highest inflation in four decades.

Prices have increased by nearly 20% since January 2021, compared to 7.8% during the Trump Presidency. Inflation-adjusted average weekly earnings are down 3.9% since Mr. Biden entered office, compared to an increase of 2.6% during Mr. Trump’s first three years. (Real wages increased much more in 2020, but partly owing to statistical artifacts.)

Higher interest rates are finally bringing inflation under control, which is allowing real wages to rise again. But the Federal Reserve had to raise rates higher than it otherwise would have to offset the monetary and fiscal gusher. The higher rates have pushed up mortgage costs for new home buyers.

Three years of inflation and higher interest rates are stretching American pocketbooks, especially for lower income workers. Seriously delinquent auto loans and credit cards are higher than any time since the immediate aftermath of the 2008-09 recession.

Ms. Harris boasts that the economy has added nearly 16 million jobs during the Biden Presidency—compared to about 6.4 million during Mr. Trump’s first three years. But most of these “new” jobs are backfilling losses from the pandemic lockdowns. The U.S. has fewer jobs than it was on track to add before the pandemic.

What’s more, all the Biden-Harris spending has yielded little economic bang for the taxpayer buck. Washington has borrowed more than $400,000 for every additional job added under Mr. Biden compared to Mr. Trump’s first three years. Most new jobs are concentrated in government, healthcare and social assistance—60% of new jobs in the last year.

Administrative agencies are also creating uncertainty by blitzing businesses with costly regulations—for instance, expanding overtime pay, restricting independent contractors, setting stricter emissions limits on power plants and factories, micro-managing broadband buildout and requiring CO2 emissions calculations in environmental reviews.

The economy is still expanding, but business investment has slowed. And although the affluent are doing relatively well because of buoyant asset prices, surveys show that most Americans feel financially insecure. Thus another political paradox of the Biden-Harris years: Socioeconomic disparities have increased.

Ms. Harris is promising the same economic policies with a shinier countenance. Don’t expect better results.

[aseaofyoongi]

just desserts | jjk

jeon jungkook x reader (f)

genre: one night stand; neighbors; set in the summer cause i miss it dearly.

rating: mature audiences only (strictly 18+)

summary: jungkook is your next door neighbor who you have only crossed a few words with. however one hot summer day theres a city wide blackout and strangely enough, he shows up at your door w brownies. . and other delights.

warnings: crush culture; mentions of lack of confidence; masturbation (f.); foul language; naughty thoughts; penetrative sex; unprotected sex (wrap it up); dry humping; oral (m. receiving); praise; sub-ish jk!; jk has a huge dick;?brief mention of seokjin and joon; oc is very hørny for jk basically; those fucking gifs of jk w his long hair and glasses inspired this so thank you jeon jungkook; edited but excuse any mistakes please.

word count: 6,3 thousand words

posted: monday - january 30, 2023

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A sixth floor walk up in the middle of the scorching month of July was certainly not fitting on your basis of an ideal home. But after your extensive apartment search always ended with high-priced, rodent infested corners New Yorkers often mistook for apartments, you were happy to shake on the deal for this studio apartment with Seokjin without having to break your piggy bank or burn a staggering hole in your pocket.

“When is the elevator going to be fixed, Seokjin,” you fanned yourself as beads of sweat adorned your white tank top.

“That’ll have to be when I finally win the lotto,” he guffawed from behind the plexiglass square standing between you and his office.

“Very funny,” you mumbled, beginning your journey up the stairs. He didn’t hear you though, instead his focus remained on whichever drama he played on the television.

Kim Seokjin, was the name of a superstar—or so he says. He claims to have attended the Juilliard School for about two years, with dreams of becoming the newest face of Hollywood and all of their high-priced productions. When Seokjin’s dad fell ill, he couldn’t keep up with the demands of keeping so many residence buildings open, he had to close more than half his buildings and just like that, financial strains created a hurdle the size of Mt. Everest in the life of Seokjin. He was left without his dreams, without his father and taking care of a building where the rent was too cheap to gain a profit, making just enough to cover the mortgage.

Normally, you weren’t so exposed to details of your landlord’s lives, but Seokjin was different. He was also your friend.

“I put water bottles around the halfway mark. The last thing I need is a lawsuit over a dead body,” he yelled up as you barely made it to floor two.

“How considerate. I’ll try not to die while you’re on the clock,” it was too hot to continue your journey up. . too hot to form coherent sentences. You just wanted to make it to your apartment and sit in front of the fan for the rest of the day.

“That’s all I’m saying,” you heard.

Once your foot met the landing on the third floor, your eyes desperately scanned for the promise of beverages Seokjin had informed you of, but the small table set-up on the other end of the hallway was completely empty. Leaving behind only the particles of dust and pure oxygen to inhale. Fuck—you actually felt like you were going to pass out. Just three more floors.

You wanted to yell down a snarky remark towards Seokjin but you figured that required too much energy you simply did not have.

Moving to New York was a decision you had made impulsively after feeling like you had overstayed your time in your parents house post-high school. You averted college at all costs because it just wasn’t for you. Lectures seemed like a bore and professors were individuals being paid to legally torture their students so you joyfully averted that nightmare all together. Your immediate option was to get a job, but after many places began getting closed down back home, you found yourself job hopping as a means for survival.

It was not convenient, so you boarded a train to the city that never sleeps in hopes of never looking back. . And you haven’t since setting foot here eleven months ago.

“Just one more floor,” you uttered to no one in particular but the patchy silver handrail and the chipped white walls.

Your apartment was now in your line of vision and the only thing standing between you and the black steel door were just ten sets of stairs. Walking into the building your body was glistening with a thin layer of sweat but now you were drenched, your top was sticking to your skin and the thick beads of dampness rolled down your body like the condensation on soft drinks from fast food places.

Heaving with exhaustion you took a seat on the very last step of the sixth floor, finally you made it but you just needed a minute, just a single minute to catch your breath. The fucking heat was unbearable; intolerable; irregular, you could have sworn the sun inched closer and closer to planet earth as the day progressed.

Initially, you hadn’t heard as much as the squeaky hinges on the door frame, you were too divulged in your suffering from the days heat. Not to mention, your eyes were closed and you were too focused in a state of cooling down before hiding behind the thin walls of your apartment.

“Are you ok?” His voice became trapped in the muggy air surrounding the two of you. The bass in his tone never ceased to make your knees turn to jello, to make your toes curl and to make the hairs on the back of your neck stand straight.

Was the heat not enough suffering for one day?

“Oh,” you cleared your throat, “I’m fine. It’s just the heat.”

“Yeah, it definitely feels like we were shipped straight to hell today.”

“I don’t know, I think hell might be cooler than this,” he chuckled lightly—you’re foolish stammer and poor excuse of words enlightened him. The sun was still beaming brightly but you swore you saw stars after he had serenaded you so sweetly with the sound of his infectious laugh.

“I think you might be right,” he locked his door and walked past you on the stairs, “have a good day neighbor.”

“You too, Jungkook,” you called after him as he began his way down the unfortunate set of stairs.

Sometimes, you felt as if you’d been blessed as the main lead in the plot of a cheesy rom com, but after today the idea was really cemented in your head. Ok, look. . Jungkook was your hot neighbor, like very hot, unearthly hot, like he was handcrafted by God himself, kind of hot. Furthermore, only you and him resided on the sixth floor, living in a pair of tiny apartments right beside one another. Although that was all you had gathered so far, besides his name, it was enough to fill your head with delusions and daydreams of the man your eyes loved to gawk at every chance you got.

You read him very well, like the everlasting pages of your favorite novel. His silky hair was long and inched over the nape of his neck, he wore specs that sat perfectly on the bridge of his nose accentuating his big doe eyes. Though his features seemed soft his aura was borderline the complete opposite—a silver hooped piercing sat in the right side of his rosette lips while tattoos peeked right out of the sleeves of the white button up he usually wore.

You closed the door to your apartment, removed your shoes and hung your keys on the flathead thumbtack pierced into the wall by the front door.

The apartment felt even more scorching than the bustling sidewalks. After opening all three of the windows you were bestowed to have between your room and the living room, you turned on your fan and walked into the bathroom to draw a much needed cool bath. Stripping off your sweaty clothes, you stepped into the tub. For a minute, you were immersed in the utter silence floating around you—all your ears detected was the distanced whirring fan all the way from your room.

Behind the back of your eyelids, the world was dark and your thoughts brought you back to your encounters with Jungkook on the stairs just moments ago. Your interactions with the boy were usually extended to a whispered, ‘hi’ or ‘hello,’ never as prolonged as it played out today.

In your thoughts, Jungkook strolled by day and night, as you embraced every look, every utterance, every single time he brushed his hair back using his slender fingers. He was the cultivation of your desires and the reason why your heart strummed against your chest a bit harder the days you saw him leaving around 12PM every afternoon.

It baffled you how he always managed to look fucking good every single day—even during the hottest days of the summer, while you looked like vile beast he managed to look so perfect.

. . So fucking perfect.

The faint tingles traveling through your body, caused your skin to form goosebumps. The pulsation of your clit is what really began driving you to clouded thoughts to imagine his hands against you. You imagined the pads of his fingers to be soft mimicking a delicate velvet fabric and while you crumbled under his touch, he would murmur the filthiest of words against your ear.

Those ministrations could be enough to have you coming hard—he wouldn’t even have to fuck you. Shit, even looking at him was enough.

Being away from all of the toys you safely stored in your nightstand, you grabbed the detachable shower head and adjusted the water pressure, prepped your feet up on the rim of the tub aiming it in between your legs in an inevitable attack against your clit.

Your head lulled back in sure bliss as you fed your carnal desires, the only thing missing was him.

“Fuck—” How you longed for him to have you in this position, so sensitive to his sinful doings; so aroused for him. It was like a hunger your fingers, toys and this stupid shower head could not satisfy.

The vibration of his name dripped from your lips like a chant and you felt that bubbling fervor form in the pit of your stomach. Spurts of pleasure rushed out of you so intensely you were overwhelmed by the explosions of fireworks as soon as your orgasm erupted.

When your breath had settled and you finally felt like you could stand, you opted for a quick shower, rushing to get into your pajamas and plopped down on your bed right in-front of the fan for a nap, having your dreams quickly invaded by him.

Work sucked on Monday afternoons.

All you ever did was stare out of the ticket booth at the movie theater as the few customers who despised the weekend rush came in. Besides, there was rarely anything to occupy your mind with on slow nights like this. You had already sweeped and your co-worker, Namjoon was surveying the screening rooms for any shenanigans the younger crowds could possibly be rattling up.

You always left that up to him—he was the more intimidating one between the two of you anyway.

“Room 5 is a wreck,” Namjoon announced his entrance into the lobby, “I’m gonna go clean up.”

“Walkie me if you need help,” you tapped the walkie clipped onto your belt buckle and he nodded, grabbing the broom and a few rags.

Your stomach grew irritated as you continued golfing down copious amounts of candies but the truth was you were starving and had no time to eat breakfast this morning; let alone make something to bring to work to eat for lunch.

Namjoon was a film major. He was the spitting image of a cliche by the way—his parents wanted him to become a doctor but that wasn’t his passion so he ran away to the city and began trotting up the golden stairs to his dream. You wished you had even an ounce of his determination, he knew exactly where he wanted to go and how to get there while you still stood at the base of the mountain of your life. . unbeknownst on how to tackle it or which way it was to begin your way up to the summit.

There was nothing you had a passion for and quite frankly sometimes you were utterly clueless as to what your purpose was in life.

Had no dreams and no goals to strive towards; nothing extraordinary you expected to blossom in your future. There was nothing, nothing and more nothingness occupying the hours of your days.

“My child,” Seokjin walked in through the glass door, he looked like he'd been chilling in an oven.

“Seokjin,” you narrowed your eyes in his direction, “what are you doing here? I thought you never left the air conditioner in your office plus don’t you hate the movie theater?”

“You’re absolutely correct. The dimmed lighting here is horrid and I deserve better than that. .”

“Of course, you do.”

“But,” he leaned over the counter, “I saw your little neighbor boyfriend leaving the building today and I was fucking gagged.”

“Trust me, Seokjin. I know how good he fucking looks in that white button up. I’ve lived it.”

“No,” he squealed, “He had a black short sleeve shirt today and—”

“Spit it out, bitch.”

“He has a full fucking sleeve,” he squealed.

“No. Fucking. Way.” The pauses in between your words were not placed for dramatic effect—you were in fact attempting to paint a detailed mental image of that sinful man.

How unfair is it that he gets to walk around us mortals with our average looks while he exudes such grand flawlessness.

“Looks like someone owes me fifty bucks.”

The bet. . you had completely forgotten about that.

“I'll pass it over on Friday once I get paid.”

“I told you,” he began, “once a man gets one tattoo they’re usually covered in them.”

“Yea, but he has this soft look to him, you know?” you shrugged, “I thought he might have had a few. But a whole sleeve?”

“Jungkook is a walking juxtaposition.”

“I suppose he is.”

Seokjin sat on the counter emptying a handful of sweets into his palm, “what are you doing eating all of this candy anyway?”

“Uh,” your thoughts were still filtered towards Jungkook. You wanted to see him so bad, “I’m starving and just waiting on Namjoon to finish cleaning room five so I can go on my lunch break.”

“Namjoon as in the buff hottie with the deep voice?”

“I guess.”

“Room five?” You nodded.

“I’ll take one ticket for whatever the fuck you guys are showing right now.”

“Didn’t you say you hated it here?” You printed a ticket to. . you looked down, to the latest minion movie and ripped off the top half, “you complained about the lights or something.”

“Can you just give me a ticket? I need it to execute my master plan,” he rushed your actions in cutting the ticket you had printed, “besides you owe me for coming all the way down here with vital intel about your secret crush.”

“I owe you nothing. I’ll be paying half a hundred for that by the end of the week, remember?”

“Consider this,” he snatched the ticket from your grasp, holding it beside his toothy grin, “your down payment.”

Before you could form a further argument, Seokjin vanished from in front of you and sprinted down the main hallway to screening room five.

The best thing about your job were the designated days off you had throughout the week. Tuesdays and Fridays were yours to enjoy and while today was Tuesday your schedule was still jam packed with an abundance of errands to complete come the early morning.

You had paid your utility bills, finished your laundry, cleaned your apartment and even set out poultry to defrost by the time you made it back home. It had been a very productive day.

Your last stop was the grocery store.

Oftentimes, you’d wander aimlessly, losing yourself in each aisle wondering about how the better half lives, how much better life would be if you didn’t have to keep incessant reminders of your weekly budgets stamped to the back of your head.

How much easier life would be if money wasn’t such a big determinant in the choices we were forced to make in our day to day lives.

Oh, how much easier life would be.

You only grabbed the essentials for the next couple of weeks including—rice, greens, fruits, water, milk, meat, and a variation of breakfast options.

Temptation roamed in the air as you headed out of the cereal aisle you were face to face with a bakery section where an unhealthy amount of baked goods were sprawled out—practically blaring out your name. All of the delicious delights made your mouth water and you couldn’t help but gravitate deeper and deeper, guided by the aroma of the sweet desserts.

“Neighbor?” It was his earthy voice, the same one you’d only heard vibrate among the walls of the tiny hallway of the sixth floor the two of you shared.

“Jungkook?” You looked up from the brownies and your eyes met his figure, in the same clothes you usually saw him leave his apartment. It was his work uniform, “You work here?”

“Is that judgment in your tone I hear?”

“N-no,” You stammered. Was he fucking with you? He had to be fucking with you. “Of course not. I would never judge—”

“I was just playing, neighbor.” Phew.

“I always come here. How come I haven’t seen you before?”

“I’m usually baking in the back. I was just coming out to set these down,” he held up the dozen cupcakes sitting inside the boxed packaging.

“You bake?” Hopefully, you sounded more stunned than judgemental because you were i. fact stunned.

“I’m an aspiring pastry chef. I go to culinary school,” Jungkook, your beautiful, doe eyed, tattooed, pierced neighbor was also a baker. Ok.

For some reason that made him so much more attractive.

“I would not have been able to guess that even if I tried,” You mentally kicked yourself at the lack of filter in your words. You weren’t trying to offend him and hopefully he does not take it as such.

He chuckled—that’s a good sign, “People tend to simulate that very reaction but you can certainly knock on my door if you’re ever craving something sweet. I promise they are amazing.”

Craving something sweet?

Your thoughts traveled back to the enticing thoughts you possessed a few days ago while you took a bath, the vivid image of the water pressure against your cunt and the pure desire to have him near made you dizzy. And now he was near, just a couple of feet away.

A wave of warmth traveled through your extremities, the pulse on your clit turned to an overbearing throb, you wanted to rub your thighs and alleviate the feeling. But you remembered where you were, in the middle of the grocery store and Jungkook still stood right before you. Nevertheless, you tried to ignore the wetness pooling between your legs; dampening your panties.

“I practically poured out all of the basic details of my boring life. I think you owe me at least something about you.”

“There’s not much to tell,” you shrugged, “but I work at the movie theater down the street if that piques your interest at all.”

“It does. I love movies.”

“I don’t think I’ve ever seen you there before.”

“Well, if I’m honest I haven’t gone in a long time but that’s only because work and school keep me pretty busy.”

The lust streaming through your body doubled to make your heart beat with fondness and you grew endeared in the way Jungkook’s eyes lit up when he talked about his aspirations to become a baker.

“You’ll have a free ticket waiting for you whenever your schedule clears up.”

“Promise you’ll join me when I decide to go.” His words carved themselves into your brain like a permanent tattoo, just as those decorating his arm. The fluttering feeling in your abdomen heightened as a result of the dithers, without being aware of it, that is the effect Jungkook had on you.

“As long as it’s on a Tuesday or Friday.”

“Deal.”

“I’ll see you around, Jungkook.”

“See you, neighbor.”

Thursday was the worst day of the week so far.

Technically you were supposed to be at work, it was already 4:00PM, but instead you were still home. Even just sitting down in the muggy atmosphere of your in the miniscule space, you were doused, staining your clothes with sweat.

You were not willingly suffering at the lack of mercy the scorching weather subjected the city and everyone in it to, unfortunately the power had gone out. And while usually you had the luxury of a fan to cool down, today you had nothing.

Your windows and front door were left wide open in an attempt to cool down the place and still you felt as if you were sitting inside a fucking oven set to hightest temperature. There was no use.

“Neighbor.” Jungkook called out lightly knocking on the opened door.

Jungkook? Not Jungkook again when you looked like an absolute wreck.

“Hey Jungkook,” he stood at the door frame, a wide grin painted on his lips—he held a to-go box in his hands, “you can come in.”

“Do you want me to shut the door?”

“Sure,” you gave in, it’s not like it was actually doing anything. Besides, the last thing you needed was one of the crazy residents from the lower floors coming to bug you.

Jungkook took a seat next to you on the couch, he wore a sleeveless top exposing all of the ink embellishing his skin, every line, every curve, every word was so intricate and seemed so unique to him.

“I didn’t know you had these many tattoos,” a small fib was a price to pay to not seem like a weirdo, “did any of them hurt?”

“Some did,” he pointed at his tricep, “mainly these and a few others but I have a high pain tolerance.”

“Well, they’re beautiful,” you scanned his arm some more. It was truly like a mural embodying the beauty of art, “were you a singer?” you signaled at the microphone sitting on his forearm.

“I guess you could say that,” he adjusted himself on the couch, his nylon shorts rode up his thighs and you just hoped he wouldn’t notice the way your eyes glanced down constantly. Jungkook didn’t notice though, he was too busy averting eye contact and scratching the back of his head, “My highschool friends and I used to make music. We recorded a mixtape.”

“I need a link to this mixtape. . like now,” You laughed hysterically.

“Oh no, you don’t.”

“Ok, ok,” Again, another surprise from the man you thought you had all figured out—every single day he surprised you more and more, “were you like a vocalist or a rapper?”

“Vocals mostly. I did try rapping once though but I sucked so badly they scratched it off the track.”

“At least they were honest and didn't let you crash and burn in public.”

“You should’ve seen me though. I thought I was the shit.”

Jungkooks giggles were everlasting as he recounted the many times their parents grew exhausted of kicking them out of their garages for their disturbances in the making of their great musical legacy.. He filled the room with vibrance. The longer you sat in the presence of Jungkook the more you were exposed to the colors that made Jungkook, Jungkook. Of course, you were intrigued by the phosphorescent hues allowing them to inch you closer in his direction. Wanting him to spare no details in the adventure of his life.

“What’s that?” you pointed at the packaging box beside him on the arm rest.

“Brownies,” he handed you the box, “I saw you eyeing them when you were at the bakery but you didn’t buy any. So, I figured I would bring you some.”

In your mind, this was his way of saying he was thinking about you—that’s what you chose to believe anyway.

“You didn’t have to.”

“I wanted to. Besides, I wanna see what you think of my baking.” Jungkook’s eyes were bigger than usual behind his specs, he fidgeted with the hem of his shorts.

If only he knew, the actual taste of the brownies would hold no significance in your criticism. You would love them anyway simply because they came from him.

“How about we have one together?”

“Yeah?”

You nodded, “let’s go to my room. There’s two windows in there and I’m literally about to pass out from heat stroke out here.”

The two of you sat by each one of the windows, the box of his remaining six hand crafted sweet delicacies sat between the two of you on the nightstand.

“You ready?”

“Yes.”

“1, 2,” the two of you held the chocolaty dessert up to your mouth, “3.”

Even after just one bite your taste buds were enamored.

“What do you think?”

“They’re amazing, Jungkook. You’re an amazing baker.”

“You can call me Kookie, you know.”

You nearly choked after taking another bite, hurdling into a coughing spiral, “that’s so fitting. Kookie the pastry chef.”

“Forget I said it,” he shook his head, laughing.

“Wait, no,” you loved the soft tint of pink dusting his cheeks, “that could be the name of your future shop.”

“Kookie’s Cookies.”

“Kookie’s Cookies,” you confirmed, “and I wanna be credited for the idea too.”

“Better yet, you’ll be my business partner.”

“That’s not a good idea. I’ll eat everything and you’ll just end up bankrupt,” your eyes were set on the congested sidewalks outside your window—everyone was out likely catching a break from their scorching apartments but here you were melting away all at the expense of being in Jungkook’s company just for a bit longer.

“I wouldn’t mind as long as you’re with me.”

Those eight words sent your mind into a spiral, head first into the rabbit hole of your fantasies. You couldn’t really make out if he truly meant what you thought he meant.

“Jungkook. .”

“I mean it.”

“Please don’t make me believe there could actually be something here,” Your voice was low and your thoughts were a scribbled mess. There was not a single coherency in your being at that point in time.

“I’m not lying,” your name tasted saccharine on his tinted lips—much like the brownie he had baked for you, “I like you.”

“Jungkook. .” was all you could muster.

“I’ve liked you from the moment you moved into the building.”

A single strike of thunder traveled down your spinal cord, you felt paralyzed in that moment and his sweet sweet words just continued looping inside the walls of your skull.

You were malfunctioning; shocked.

It’s astonishing how oblivious and just plain stupid human nature can make a person. For the past months, you had concealed the schoolgirl crush you developed on Jungkook and convinced yourself that there was absolutely no way in hell he could like you back.

Your insecurities had deceived you and now you sit here after so long with a thumping beat in your heart, giddy with excitement and lowkey wanting to slap yourself for not having noticed earlier.

“You like me?”

Obviously, he just fucking said that. He nodded.

“I like you, too.” You finally said out loud.

The temperature continued to rise in the small bedroom and between the two of you the heat became unbearable. With each passing second, you could feel the streamline trickles of your sweat cascading down your temples; your entire body matter of fact.

If eyes were the windows to the soul then Jungkook’s chocolate gaze was compelling.

And they were calling out for you so loudly.

“What happens now?” He pushed his glasses up to the bridge of his nose.

“Can I kiss you, Jungkook?”

You caught on to Jungkook’s mannerisms and body language rather quickly within the past hour. For example, he was pretty straight forward with his words yet whenever he spoke his fingers fidgeted with a random object as a distraction, this time it was the black beaded bracelet sitting on his wrist.

He nodded yet again.

Your heaven resided in the comfort of Jungkook’s thighs. You realized it the moment you straddled him. The rich smell of sandalwood was a scent unique to him, so earthy and rich. It was the only thing you ever wanted to smell for the remainder of your time on earth.

After raking your hands through his soft hair you tugged at it a bit, guiding his face up towards you.

“If you want anything from me. You’re gonna have to use your words, Jungkook.”

“You know what I want,” his eyes traced the corners of your lips down to the intricate details, “just kiss me, please.”

There are an abundance of perfect scenarios in life. For one there was the idyllic scene of snowfall on Christmas day; the legendary creamy combination of cookies and cream; then, there was the way your lips danced against Jungkooks, composing a choreography so intricate and beautiful only the two of you could execute it.

You were in a haze, entirely stupefied and addicted to his soft and warm lips. Then, his hands snaked around your waist as he guided you back and forth on his lap. His covered erection rubbed against your clothed slit in a pace so slow, it was agonizing yet delectable. Jungkook pulled away, continuing to lead your movements against him. Your mouth remained agape and you couldn’t help the sounds escaping your lips.

You wanted to pinch yourself, you’d only ever dreamt of this. Was this all a fabrication of your dreams? You hope it wasn’t, it felt so good.

“God, I’ve always wanted to have you like this.” His voice was husk and he spoke in between grunts.

If today was dictated as your last day on earth, you’d die being the happiest woman.

His warm breath fanned your sweaty neck. A tickle ran down your back but you focused on the knot forming at your abdomen.

“I’m so close.”

“Let go for me.”

His commands were sweet like candy and the utters of his guidance to have you crumble on his lap were all you needed to send you over the edge.

“You were so good for me, darling.”

“Call me that forever.” Your knees were sore, your voice was hoarse and you were sweltered from head to toe but you craved more, you grew wetter just imagining what else could arise from this encounter.

“Darling?” You nodded. “Jungkook?” He hummed lightly, opening his eyes and lifting his head from where it rested on the wall.

“Are you tired?”

“I just had a long day yesterday.”

“Can I help you unwind?” your lower lip now tucked under your teeth, “can I touch you?”

“Please.”

Your hands tucked under the hemline of his shorts and underwear. The way you illustrated Jungkook in your dreams was close to what you would imagine a modern Greek God to look like and you quickly realized that was the case when his shirt lifted revealing that he should be the one on display in museums instead of those silly little statues.

Your chin rested on his shoulder, while your hand moved up and down the length of his cock. You couldn’t see it, not yet. But he felt so big in your palm.

The hushed moans and curses leaving him fueled you to maintain at the same pace. Your lips found themselves leaving wet kisses on his already dampened neck.

“Please—please don’t stop,” He was a stuttering mess, his hand was gripping the window still so tightly his knuckles turned white. Hypnotized by arousal Jungkook began meeting your movements, enraptured by his desire for release.

“You’re not being a very good boy, Jungkook,” you whispered in his ear, “besides I thought you were tired.”

“I’ll—I’ll be so good I promise,” he continued fucking himself into your hand.

Jungkook whined as soon as you released his cock from your grip. Instead you tucked off the pesky fabrics covering his lower half, with his help of course, your theories were proven to be correct. Jungkook, your hot neighbor with piercings and tattoos also had a pussy destroyer in between his legs because of course he did.

“There’s only two rules baby.”

“What are the rules?”

“You have to keep your hands to yourself and no coming until I say so. You got it?”

“Yes, darling.”

Opening the last drawer on your night stand you pulled out one of your vibrators and held it up for him to see, “is it ok if we use this?”

“Mhm.”

You shoved it in your pocket for later.

Taking him into your mouth, you began swirling your tongue in circular motions around the head of his cock. His labored pants were hushed and almost inaudible, you would’ve missed them if the two of you weren’t in complete silence.

Licking up and down his shaft you focused on pressing your tongue on the tip, as your hands began working, pumping him where your mouth couldn’t reach. You bobbed your head up and down occasionally, allowing the head of his cock pop in and out of your mouth. Slurp noises began invading the atmosphere around the two of you along with his whimpers. Your pace was fast and there were traces of your saliva coating his length entirely.

“Fuck darling,” his hands were reaching to grasp anything in his path but instead he ended up knocking everything off your night stand. “Y-Your lips were made to be around my cock. You know that?”

Jungkook’s praises were treats for your ego and you made sure to devour them in their entirety. He was a pleasant mess; his hair stuck out in all directions while his lips were swollen and vibrant with a scarlet hue as he kept biting down on them harshly. His glasses were slightly fogged and there were traces of saliva sitting on the corner of his mouth. All you wanted was to continue seeing him lose himself at your mercy.

You reached into your pocket and turned on the palm sized stimulator—you placed it against his balls before hitting the on button, setting off its vibrations. His head fell back and his hips buckled forward, causing you to gag around the majority of cock.

“I’m gonna come,” he cried out.

If anyone would’ve told you having Jungkook’s dick in your mouth would be this heavenly, you would live on your knees in front of him forever. Pleasuring him at every hour of every day but today you had different plans and once again he let out frustrated whimpers as you removed your mouth from around him.

“No—no, darling you’re fucking killing me. I need to come now,” he sounded desperate, “It hurts so bad. I need to come.”

“Don’t worry baby. We’re getting right to that,” you placed a kiss on his forehead.

“Did you bring any condoms?”

He shook his head, “I wasn’t exactly expecting things to go down this route.”

“Are you. .?”

“I’m clean. Are you?”

“I am.”

There was a timid breeze coming in through the opened window, it was enough to cool you down just a bit, well as cool as you could be without a fan.

Bouncing on Jungkook’s dick was even better than having him in your mouth. Sure, you loved the way he became a stuttering mess with the teasing of your tongue but having him deep inside of you, you felt like you were in your own heaven. On a deserted island somewhere with nothing but the swift breeze coming from the palm trees and his touch on your skin.

“You take me so well,” he whispered in your ear but you were too busy consumed by your own pleasure. Hyper focused on the way his hands dug into your waist; the way he swiftly pushed his cock in and out of you.

The sounds of your skin slapping against his blared through the room, as well as your profanities and his words of praise just as before.

Your nails dug into his shoulder as you felt a build up of tension tightening in the pit of your stomach, causing you to arch your back. Seemingly, the way you clenched around Jungkook he seemed to have noticed you were extremely close.

“Come for me darling,” with each word he buried his dick deeper into you.

It was a blissful paradise painted on the back of your eyelids as Jungkook continued to mold your insides with his dick, he was careful but rammed into you with such force, your voice was strained and you couldn’t hold it any longer. You finally came as sights of the beeming sun behind your closed eyes blinded you entirely.

“Come inside of me,” you managed; even more sweaty than how you began, absolutely tired and completely out of breath.

He chanted strings of your name as finally filled you up.

“Please come over more often and bring all of your brownies with you,” you were pressed up against him as he hugged your waist, placing a soft kiss on your head.

“How about we begin by going to that movie tomorrow?” It was so funny to you how Jungkook had practically just split you in two and now he was back to being soft spoken.

“It’s a date.”

It was now Friday, the power was finally back on around the city and Jungkook followed through on his plans to take you to the movies. The only problem was when you approached the theater you spotted your nosey landlord standing in line right beside Namjoon. “Before you say anything, Seokjin. Please just shut the fuck up.”

“You always think the worse of me,” he placed his hand on his chest, “all I was going to say is my Cupid’s bow is to thank for the two of you finally getting together.”

“In that case, thank you Seokjin,” Jungkook said.

“Don’t thank him.”

“Actually, please do. But the next time yall fuck in my building please keep it down. Just like the walls, the floors are also thin and the fifth floor did not appreciate your day of passion.”

“Seokjin, please go back to your own date,” you hissed, hoping no one else in line heard his little rant, “pretend we’re not here.”

Jungkook’s shame sat in his now red tinted cheeks, you peppered kisses on them to ease him.

“See, they can’t even keep their hands to themselves in public,” you heard Seokjin whisper.

This is going to be an interesting date.

-

-

-

a/n: this was pretty fun to write but supposed to be out on my birthday a couple days ago but i couldn’t meet the deadline sadly but please enjoy and disregard the smut scene if it’s bad. I tried lol my brain just wasn’t working 100%.

thanks for reading. comments, likes, reblogs and messages are always appreciated. let me know what you think ;)

[insuranceaims]

Mortgage Rates: Mortgage rates in the USA

Mortgage Rates: On a mortgage taken out to purchase a house or assets. A mortgage price is the hobby fee paid. It is a fundamental feature of the normal value of a household. that determines the total amount paid.

[batboyblog]

Things Biden and the Democrats did, this week #22

June 7-14 2024

Vice-President Harris announced that the Consumer Financial Protection Bureau is moving to remove medical debt for people's credit score. This move will improve the credit rating of 15 million Americans. Millions of Americans struggling with debt from medical expenses can't get approved for a loan for a car, to start a small business or buy a home. The new rule will improve credit scores by an average of 20 points and lead to 22,000 additional mortgages being approved every year. This comes on top of efforts by the Biden Administration to buy up and forgive medical debt. Through money in the American Rescue Plan $7 billion dollars of medical debt will be forgiven by the end of 2026. To date state and local governments have used ARP funds to buy up and forgive the debt of 3 million Americans and counting.

The EPA, Department of Agriculture, and FDA announced a joint "National Strategy for Reducing Food Loss and Waste and Recycling Organics". The Strategy aimed to cut food waste by 50% by 2030. Currently 24% of municipal solid waste in landfills is food waste, and food waste accounts for 58% of methane emissions from landfills roughly the green house gas emissions of 60 coal-fired power plants every year. This connects to $200 million the EPA already has invested in recycling, the largest investment in recycling by the federal government in 30 years. The average American family loses $1,500 ever year in spoiled food, and the strategy through better labeling, packaging, and education hopes to save people money and reduce hunger as well as the environmental impact.

President Biden signed with Ukrainian President Zelenskyy a ten-year US-Ukraine Security Agreement. The Agreement is aimed at helping Ukraine win the war against Russia, as well as help Ukraine meet the standards it will have to be ready for EU and NATO memberships. President Biden also spearheaded efforts at the G7 meeting to secure $50 billion for Ukraine from the 7 top economic nations.

HHS announced $500 million for the development of new non-injection vaccines against Covid. The money is part of Project NextGen a $5 billion program to accelerate and streamline new Covid vaccines and treatments. The investment announced this week will support a clinical trial of 10,000 people testing a vaccine in pill form. It's also supporting two vaccines administered as nasal sprays that are in earlier stages of development. The government hopes that break throughs in non-needle based vaccines for Covid might be applied to other vaccinations thus making vaccines more widely available and more easily administered.

Secretary of State Antony Blinken announced $404 million in additional humanitarian assistance for Palestinians in Gaza, the West Bank and the region. This brings the total invested by the Biden administration in the Palestinians to $1.8 billion since taking office, over $600 million since the war started in October 2023. The money will focus on safe drinking water, health care, protection, education, shelter, and psychosocial support.

The Department of the Interior announced $142 million for drought resilience and boosting water supplies. The funding will provide about 40,000 acre-feet of annual recycled water, enough to support more than 160,000 people a year. It's funding water recycling programs in California, Hawaii, Kansas, Nevada and Texas. It's also supporting 4 water desalination projects in Southern California. Desalination is proving to be an important tool used by countries with limited freshwater.

President Biden took the lead at the G7 on the Partnership for Global Infrastructure and Investment. The PGI is a global program to connect the developing world to investment in its infrastructure from the G7 nations. So far the US has invested $40 billion into the program with a goal of $200 billion by 2027. The G7 overall plans on $600 billion by 2027. There has been heavy investment in the Lobito Corridor, an economic zone that runs from Angola, through the Democratic Republic of Congo, to Zambia, the PGI has helped connect the 3 nations by rail allowing land locked Zambia and largely landlocked DRC access Angolan ports. The PGI also is investing in a $900 million solar farm in Angola. The PGI got a $5 billion dollar investment from Microsoft aimed at expanding digital access in Kenya, Indonesia, and Malaysia. The PGI's bold vision is to connect Africa and the Indian Ocean region economically through rail and transportation link as well as boost greener economic growth in the developing world and bring developing nations on-line.

[allmortgagesus]

Your Quick Guide to Self-Employed, Construction, and Rental Loans

If you're self-employed, work in construction, or want to get a rental property loan, financing can seem complicated. But have no fear - this quick guide breaks down the key things you need to know about getting a mortgage if you don't have a typical 9-to-5 job or wage income.

As a borrower for rental, construction or self-employed loans, providing documentation of your income is one of the tricky parts of qualifying for a mortgage. Most lenders want to see two years of consistent self-employment income.

[kentuckybats]

Best mortgage rates in Kentucky for FHA, VA, USDA and Conventional Home Loans

How to get the best mortgage rate in Kentucky   Your credit score plays a significant role in determining the interest rate you qualify for. Lenders use credit scores to assess your creditworthiness and the risk associated with lending to you. Generally, the higher your credit score, the lower the interest rate you can secure. Here’s how different credit score ranges typically impact mortgage…

[mariacallous]

so every time I post about building of more housing through HUD or whatever, people will always pop into the tags or the notes and say something like "we don't need to build any more housing!" "there's more than enough houses for people!" etc from the left

and I have an idea what the issue is, ie there's enough housing collectively across all of America, but not enough where people actually live/want to live, what good does an empty house in Montana do someone paying too much in rent in NYC?

but you're a lot smarter than me, what are they talking about? are they right? is my guess correct?

Finding an affordable place to live in the U.S. can feel pretty impossible whether you're a renter or a buyer.

To begin with, there's a massive shortage of homes — somewhere between 4 and 7 million. And those who are able to find homes are spending a much bigger chunk of their paycheck than in recent years.

...

All Things Considered host Mary Louise Kelly spoke with Alex Horowitz, the director of Pew's Housing Policy Initiative, to help understand why affordable housing feels like a pipe dream, and what can be done about it.

She began by asking about the shortage of 4 to 7 million homes in the U.S., and whether that was a shortage of all homes or affordable ones.

...

Alex Horowitz: We're short on all homes. Full stop. There just aren't enough of them. And that means that existing homes are getting bid up because we see high income households competing with low income households for the same residences since just not enough are getting built.

Mary Louise Kelly: And what's driving this? Why?

Horowitz: So restrictive zoning is the primary culprit. It's made it hard to build homes in the areas where there are jobs. And so that has created an immense housing shortage. And each home is getting bid up, whether it's a rental or whether it's a home to buy.

Kelly: I want to ask if there are any cities getting this right. Can you give me an example of one that has looked at it's zoning laws and said we could actually make this more affordable if we change things?

Horowitz: There are definitely cities that are getting this right. And we've seen a lot of changes in recent years to allow more homes, especially the kinds of homes that are in short supply, namely apartments, townhouses, duplexes and homes that don't cost as much as a detached single family house. Minneapolis is a great example. Minneapolis updated their zoning to make it much easier to build apartments near commerce and near transit, in part by eliminating parking minimums and also by making permitting easy. And it worked. They're producing housing at triple the rate of the U.S. and the rest of Minnesota, and that has meant that they've kept their rents flat for about seven years.

...

Kelly: Okay, so let's drill down first on the renters side of this. We heard from Natalie French, the renter who had to move out of her apartment when her rent went way up. How typical is that? Is that happening to people all over the country?

Horowitz: That is happening. And rents have been rising rapidly, up about 30% in the U.S. since 2017, with median rents now hitting about 1400 dollars a month. And we've never been at a time before where half of renters were spending 30% or more of income on rent. But that's happening for the first time.

Kelly: And then on the homebuying side, we hear a lot about mortgage rates. They keep climbing. They don't look like they're coming down anytime soon. Are there other factors that make this a tough time to buy?

Horowitz: A lack of starter homes is really keeping it difficult for first time homebuyers to crack the market. And that is because traditionally starter homes are small homes. That means a home on a small lot, maybe a townhouse. And we're seeing far fewer of those come onto the market. Many jurisdictions require large minimum lot sizes, and that means that land costs end up being a big part of the equation. Houston is the place that has had the most success in bringing starter homes into the market. And it was by reducing their minimum lot size. And then 80,000 townhouses followed.

Kelly: So does it boil down to the double whammy of: there aren't enough homes full stop, and even if there were a home, it's really hard to afford a mortgage in an era where mortgage rates are sky high.

Horowitz: Mortgage rates are a piece of the puzzle, but at a fundamental level, even when mortgage rates were low, it was hard to buy a home for the first time because there simply aren't enough of them. And a lot of the ones that we have are bigger than what people need. U.S. household size is at an all time low of 2.50 people per household. And so we see homes that are bigger than what a lot of residents are looking for.

Kelly: What about financing and lending? Setting aside what mortgage rates are, is it more difficult than in generations past just to get a loan to buy a house?

Horowitz: Oh, it's gotten much more difficult to get a mortgage. The availability of mortgage credit tightened dramatically during the Great Recession, and it never bounced back. So for someone who gets a mortgage today, they're likely to have a higher credit score than someone who's gotten a mortgage in the past. And that means simply fewer people are eligible for homes. And the cost to originate a mortgage has roughly tripled since 2009. And that has meant that lenders don't offer many small mortgages because they tend not to make money on them unless the mortgage is for over about $150,000.

[beardedmrbean]

Vermont independent Sen. Bernie Sanders announced Monday that he plans to write legislation to codify President-elect Donald Trump’s proposal to cap credit card rates.

The lawmaker called the proposal a “great idea” on social media.

“During the recent campaign Donald Trump proposed a 10% cap on credit card interest rates,” he wrote.

“Let’s see if he supports the legislation that I will introduce to do just that.”

Both Sanders and Trump have been critical of elevated interest rates on credit cards, a concern that comes as credit card debt has increased in recent years amid elevated inflation.

Trump said during one September campaign rally in New York that capping credit card rates would help households recover from the economic tumult that has characterized Joe Biden's presidency.

“While working Americans catch up, we’re going to put a temporary cap on credit card interest rates,” Trump told supporters, according to CNBC.

“We can’t let them make 25% and 30%,” he said of the credit card companies.

Karoline Leavitt, a Trump campaign spokeswoman who has since been tapped to serve as his White House press secretary, said at the time that the intent of the policy was indeed to “provide temporary and immediate relief for hardworking Americans.”

She specifically mentioned those “who are struggling to make ends meet and cannot afford hefty interest payments on top of the skyrocketing costs of mortgages, rent, groceries and gas.”

Sanders voiced his approval of the policy days after Trump defeated Vice President Kamala Harris in November.

“I look forward to working with the Trump Administration on fulfilling his promise to cap credit card interest rates at 10%,” Sanders said on social media platform X.

“We cannot continue to allow big banks to make record profits by ripping off Americans by charging them 25 to 30% interest rates,” he contended. “That is usury.”

Renewed discussion of the credit card rate cap occurs as the default rates for credit card debt have surged to their highest levels in nearly 15 years, as well as the highest levels since the 2008 financial crisis.

In the first nine months of 2024, credit card lenders wrote off some $46 billion in seriously delinquent balances, according to a Sunday report from the Financial Times based on insights from BankRegData.

That marks a 50 percent increase from the same period one year earlier and the most severe default level since 2010.