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[myperfectmortgage]

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[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

[your-property-man-chris-johnson]

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

[mortgagedove]

[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 ;)

[phantomrose96]

Oh while I'm on U.S. economics, I have another thing that bugs the hell out of me: the hiking of mortgage interest rates.

For those who don't know, mortgage interest rates dropped low during the pandemic. Which is not all sunshine since it resulted in many bidding wars and a ton of way-over-asking offers in competitive areas, but it put home-ownership way more within reach for a lot of people.

Then the fed started to pee their pants over inflation, and hiked their rates up, prompting mortgage companies to follow.

Here's a chart of mortgage interest rates over the last 4 years

It hit a trough at 2.65% on average in early January 2021, and then you see it hiked itself way back up, now chilling at 6.27%

For context on how different these are: let's use an example of a $400,000 home - someone pays 20% down ($80,000) in cash, and finances the remaining 80% ($320,000).

Monthly payments at 2.65%:

This results in paying back, in total, $464,040. You'll notice that's well over the initial $320,000, and that's because of the interest paid over those 30 years.

Now, monthly payments at 6.27%:

This results in paying back, in total, $710,640. That's more than twice the initial loan of $320,000.

And, of course, it means the same exact property which could be paid for with a monthly budget of ~$1,300 in early 2021 now requires a monthly budget of ~$2,000 in 2023.

Also, those pandemic lows were an anomaly... Historically, mortgage interest rates were on average HIGHER than 6.27% - but also, historically, wages were much better relative to the prices of homes and people could afford the high interest rates (with the exception of the people who got screwed over in the 2008 housing market meltdown... There's a really good Cold Fusion video on that.)

And because these low interest rates were an anomaly, they may never come back...

So with mortgage interest rates going up, home-buying becomes harder. When home-buying becomes harder, rents increase (because renters have no alternative).

So who DOESN'T get affected?

ENTITIES THAT CAN PAY IN ALL CASH.

They need no mortgage. They pay the sticker price on-spot with no interest applying to them. And I say ENTITIES because, sure, some people can buy their home in all-cash. But a huge number of the entities that can buy in all cash are BIG investment companies--the Blackrocks and the Mega-landlords who scoop up properties to sit on, rent out, and turn for a profit later like it's a piece of stock, and not a habitable property...

Anyway I don't have a conclusion for this. Fix wages, or bring interest rates back down, or kill Blackrock. Preferably all 3.

[godisarepublican]

Sorry for reposting this photo but, look at the advertisement at the bottom of the page: A 30 year fixed rate mortgage has more than DOUBLED since 2019!

This photo is from 2019. The 30 year fixed rate mortgage was 3%. It's over 7% today!

Never mind the fact that the front page story is about how right wing counter protestors were told to never come back to Boston, while LeftTards were and are given carte blanche...

Joe Biden is such an inexcusable disaster that a 30 year fixed rate mortgage has gone up 233% since 2019!

"Cannibals ate my uncle!"

[dertaglichedan]

A $150,000 House in 1988 Now Costs $707,500 Thank You Fed

The Fed has grossly distorted the housing market and no fix is in sight. A couple of images will explain.

Chart data from Case-Shiller, mortgage calculation based on Fannie Mae 30-year mortgage rates, chart by Mish

Home Price Calculation Notes

Case-Shiller measures repeat sales of the same home over time.

Case-Shiller is a much better, but less timely measure than median or average home price. However, the measure lags. Recent data is through May representing sales in February, March, and April.

The price above reflects the increasing value of the Case-Shiller index over time.

Mortgage Payment and Mortgage Rate

The above chart represents the mortgage payment of the same house as the lead chart reflecting the changing price and interest rate over time.

[follow-up-news]

Mortgage rates continued to decline this week, taking a little more pressure off America’s tight housing market as the Federal Reserve ramps up its efforts to keep the economy on an even keel. The standard, 30-year fixed-rate mortgage averaged 6.09% in the week ended September 19, Freddie Mac said Thursday, down from last week’s 6.20% and substantially below a two-decade peak of 7.79% seen last fall. It’s the lowest level since early February 2023. The latest news on mortgage rates is an encouraging sign for buyers on the sidelines waiting for housing affordability to improve. A separate report from the National Association of Realtors released Thursday showed that sales of previously owned homes in the United States fell sharply in August, despite mortgage rates plummeting that month. But with mortgage rates continuing a downward trend, much more housing demand will likely be unleashed onto the market after the Federal Reserve finally cut interest rates this week for the first time in four years — and signaled more rate cuts by year’s end.

[st-just]

So we’re sort of stuck. What the American political system wants is to have re-financeable 30-year fixed-rate mortgages widely available at attractive rates, and it also wants it to be the case that this is delivered by the free market rather than by a government program. But a free market just won’t deliver that outcome.

-Matt Yglesias

[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…

[mortgagedove]

Mortgage Lending in Los Angeles

Welcome to Mortgage Dove lender service. We are a trusted American mortgage lender company. We are a quality mortgage lender in Los Angeles, California. Our goal at Mortgage Dove is to make it as easy as possible for every American to own a home without having to go through a complicated process on their own. We envision the home buying process to be a smooth transaction for people from different walks of life whether through online or physical mortgage lender experience to meet the needs of our clients. We are dedicated to promoting homeownership for everyone, regardless of their status under applicable law, including those who have exercised their right under the Consumer Credit Protection Act in good faith.

[datarep]

15- and 30-Year Fixed Rate Mortgage Average in the United States

by ionychal

[pianokantzart]

♥️ for your choice:]

♥ - Family Headcanon (Movie Verse)

Pio (Mario & Luigi's Dad), Arthur, and Tony have always lived under the same roof, despite working different jobs; Pio as a dock worker, Arthur as a surveyor (he's how Mario and Luigi got connected to Spike's company), and Tony as a janitor.

Pooling their money is how they managed to mortgage such a large house in a relatively nice Brooklyn neighborhood. Even when Pio and Arthur got married to their respective wives, they decided to stay put since their house was large enough for everyone (albeit a tad bit crowded), and moving out would ultimately mean relocating to a shoddier home in a worse neighborhood.

Also, they're still working together to pay off the mortgage, but they've only got about 10 years left on the 30-year fixed-rate contract.