#Accounts Receivable Collections
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mnscredit · 2 years ago
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kapittx · 8 months ago
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How Can Gen AI Revolutionize Your Accounts Receivable Process?
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The advent of Generative AI (Gen AI) heralds a paradigm shift in the landscape of Finance and Accounting (F&A). Much like the introduction of spreadsheets as a product innovation decades ago, finance professionals were quick to embrace and derive immense benefits from the use of spreadsheets. 
Gen AI in Finance and Accounting emerges as a potential game-changer, poised to revolutionize traditional practices within the realm of F&A and invoice payments. However, for this potential to be realized, CFOs must demonstrate openness to experimentation, allowing themselves to explore the tangible impact of Gen AI in Finance and Accounting functions.
Embarking on this journey necessitates a focused exploration of Gen AI’s applicability, particularly within accounts receivable management and invoice payments. By delving into this domain, CFOs can gain firsthand insight into the transformative power of Gen AI in Accounts Receivable. As with any strategic business investment, it is prudent to assess the anticipated returns and the timeframe within which these benefits can be realized.
In essence, embracing Gen AI in accounts receivable and invoice payments represents not only a technological advancement but also a strategic imperative for forward-thinking finance leaders. By embracing innovation and fostering a culture of experimentation, organizations can unlock unprecedented efficiency, agility, and competitive advantage in the ever-evolving landscape of finance and accounting.
How Can Gen AI Revolutionize Your Accounts Receivable Process?
Irrespective of the organization, to ensure optimal efficiency within the accounts receivable function and to explore the potential of integrating Gen AI powered Accounts receivable, it is essential to adopt a strategic approach centered around four key building blocks. These pillars serve as the foundation for effective management and innovation in accounts receivable:
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Receivable Antecedents : 
This encompasses the meticulous orchestration of all preliminary tasks necessary to establish a receivable. From the initial engagement with clients to the negotiation of terms, to the careful documentation of agreements, each step in this process demands precision and foresight. Building strong receivables antecedents lays the foundation for smooth transactions, timely invoice payments and ensures a robust financial framework
They include:
Customer Onboarding: Accurate customer data collection, credit checks, and setting credit limits.
Sales Order Processing: Efficiently converting orders into invoices.
Contractual Agreements: Clear terms and conditions regarding payment terms, discounts, and penalties.
Order Fulfillment: Ensuring timely delivery of goods or services.
Timely Invoicing: Generate invoices promptly after goods/services are delivered.
Clear and Accurate Invoices: Ensure clarity, itemization, and correct pricing.
Invoice Presentment and Reminders: 
In the dynamic landscape of revenue management, the presentation of invoices holds paramount importance. It transcends beyond mere documentation; it embodies the essence of your transactions, encapsulating the value exchanged with your clients. Your approach to invoice presentment and invoice payments is characterized by clarity, accuracy, and timeliness. Moreover, one need to recognize the strategic significance of reminders in facilitating prompt invoice payments. Through proactive communication and gentle nudges, you endeavor to uphold transparency, nurture client relationships, and optimize cash flow dynamics.
This step involves creating and delivering invoices to customers:
Multiple Channels: Offer electronic and paper-based invoice delivery to facilitate invoice payments.
Standard Payment Reminder Schedule:
o Set a consistent schedule for sending payment reminders. This helps maintain clarity and predictability for both you and your clients. o Send reminders before the due date to gently prompt clients to pay on time. o Issue reminders close to the actual due date to emphasize the urgency.
• Personalized Reminders:
      o Customize your reminders to suit each client. Address them by name and include relevant details.       o Personalization shows that you value the relationship and encourages prompt payment.
• Politeness and Professionalism:
o Maintain a polite and professional tone in your reminders. o Avoid threatening language or negativity that could harm the client relationship. o Clearly state the purpose of the reminder and the essential details, such as the invoice number, amount due, and due date.
Collaboration :
Collaboration lies at the heart of your approach, both externally with your valued customers and internally among your team members and departments. Externally, effective collaboration involves understanding your clients’ needs, communicating transparently, and working together to resolve any issues or discrepancies promptly. Internally, collaboration ensures alignment across functions, streamlines processes, and maximizes efficiency, ultimately leading to superior customer service and satisfaction.
Effective communication is crucial:
Customer Communication: Regular follow-ups, addressing queries, and resolving disputes.
Internal Coordination: Collaboration between sales, finance, and customer service teams.
Dispute Resolution: Swiftly address any discrepancies.
Payments and receipt management :
Efficient management of invoice payments and receipts is essential for maintaining cash flow and optimizing financial performance. This includes implementing secure and convenient payment channels, diligently tracking incoming payments, and promptly reconciling accounts. By prioritizing invoice payments and receipt management, you can minimize delays, mitigate risks, and ensure the stability and resilience of our financial ecosystem.
Efficient handling of incoming invoice payments:
Payment Channels: Accept various methods (credit cards, bank transfers, etc.).
Reconciliation: Match payments with outstanding invoices.
Cash Application: Apply payments accurately to the correct accounts.
What are the building blocks of Gen AI in Accounts Receivable?
Overall, Gen AI in accounts receivable encompasses a wide range of capabilities making it a versatile tool for various applications across different domains. A few of the core building blocks are –
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Data Generation: Gen AI In accounts receivable, can generate synthetic data to augment existing datasets used for training predictive models. For example, it can create simulated customer invoice payments histories, including variations in payment amounts, frequencies, and timing. This synthetic data allows organizations to train their models more comprehensively, improving the accuracy of predictions regarding future payment behavior.
Data Conversion: Gen AI in accounts receivable can facilitate the conversion of data between different formats in the accounts receivable process. For instance, it can automatically convert paper-based invoices into digital formats by extracting relevant information such as invoice numbers, amounts, and due dates using optical character recognition (OCR) technology. This conversion streamlines the invoicing process, reducing manual effort and minimizing errors.
Data Categorization: Gen AI in accounts receivable, can categorize transactions based on various criteria such as invoice payment methods, customer segments, or invoice statuses. For example, it can automatically classify incoming invoice payments as cash, checks, or electronic transfers, allowing finance teams to track payment trends and reconcile accounts more efficiently. By categorizing transactions accurately, Gen AI powered accounts receivable enhances data organization and facilitates deeper insights into receivables management.
Advisor Functionality: Gen AI in accounts receivable serves as an intelligent advisor by providing actionable insights and recommendations based on analyzed data. For example, it can identify patterns of late invoice payments or discrepancies in invoicing that may indicate potential issues with specific customers or billing processes. By alerting finance teams to these anomalies, Gen AI powered accounts receivable enables proactive intervention to mitigate risks and optimize cash flow management.
Overall, Generative AI enhances the efficiency and effectiveness of accounts receivable operations by generating data, facilitating data conversion, categorizing transactions, and providing intelligent advisory support. By leveraging Gen AI capabilities, organizations can streamline receivables management processes, improve decision-making, and ultimately enhance financial performance.
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abuadam86 · 2 months ago
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Emergency: Help save my children's lives
Dear humanity,
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I am Habib from Gaza. I am married and have four children: Menna, 12 years old, Adam, 10 years old (suffering from quadriplegia), Maria, 6 years old, and Ezz, one year old. Although they are young, they have survived previous wars, but this current war is the most difficult of all. This is a war of genocide, and the difficulty of the war lies in the inability to meet the needs of my son Adam, who needs special care.
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Over the past ten months, we have been caught in the crossfire of the ongoing conflict in Gaza. Our once peaceful home in Khan Yunis has been reduced to rubble, and now we find ourselves displaced in Deir al-Balah, living in squalid conditions in a makeshift tent on the streets. The devastation not only deprived us of our physical shelter, but also destroyed my livelihood - the once thriving business that supported our family's well-being, is now in ruins. The daily struggle for survival is exacerbated by the scarcity of basic necessities such as clean water, adequate sanitation and basic medical supplies
Our home was the place where we found hope and safety, and where we made precious memories. Losing him was like losing years of our lives.
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Not only that, they destroyed my source of livelihood, burned it, and demolished it with bulldozers, and today I am without a home and without a job. I was working in a store I owned that met the needs and expenses of my family
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Living in tents is miserable. There is a lack of drinking water, hot sun rays, and strange insects that have terrified my children. What hurts me most is my young son Ezz, who I see growing up in an unclean environment and with no healthy food for him. I believe he has not received his right to life.
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At this stage, my husband and I decided to go to you and create an account on the Go Fund Me website and ask you to help us in these difficult times until we get out of Gaza, from the land of war to the land of peace. All we need from you is to support us and help us to get out of the war, even if you cannot help. You should spread the word. This campaign is everywhere and among your friends. We thank you for your stance and support for us. Thank you, my friends
The amount that will be collected from this campaign :
We will spend it by paying the amount to coordinate entry through the Rafah land crossing, which connects Gaza to the State of Egypt, since, as I mentioned, they charge an adult $5,000, but depending on the pressures, crises, and waiting, the amount may reach $7,000 per person, and children $2,500 to $4,000.
We will also use it for the rest of the travel and safe transportation expenses to provide for all family members.
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A picture of my children's life before the war
A video of my children's lives living the war
May God reward you with all the best and may God bless you
Best wishes with sincere gratitude,
Habib's family
My Instagram account link
My account vetted by:
@dlxxv-vetted-donations
(vetted)
@gazavetters , my number verified on the list is ( #187 )
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eman-kha · 3 months ago
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Trying to help for urgent medical treatment
Please give a minute of your time reading my story and give me support
https://gofund.me/4c9ebb8b
I'm Eman. I’m 17 years old, and until the start of this war I lived a happy life in Gaza with my mother.
We’re currently residing in Khan Younis and living in a tent as a result of the brutalities committed by Israel since October 7th.
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My father was martyred in the 2014 aggression.
My mother has been suffering from increase blood pressure and heart problems for more than four years and needs lifelong treatment now that her condition has worsened since the beginning of the aggression
We struggle daily to survive in an environment full of threats and risks.
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The occupation destroyed my dreams and my future.
My school has also been destroyed, and I'm now a year behind other students my age.
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I’m trying to collect the necessary funds to evacuate me and my mother, 49 years old, and start a new life after reaching Egypt.
I hope everyone can help me and help my mother donate and reblog please 🙏
Thanks a lot 🍉🤍
Eman Khader
My account Vetted by
@90-ghost The link
@Natalieee
@microcomets
@c-u-c-koo-4-40k
@here-sean-once-was
@lagworks
@yizuos
@mellifloraa
@ico-sa
@tim-the-rat
@silverstone-gp
@90-ghost @sarakipin @soon-palestine @flower-tea-fairies @sayruq @vakarians-babe @plomegranate @taylorswift @palestine @tim-the-rat @pump-e-bucanieri @pumpkinsy0@aibhse @nyqn @mephisto86 @imput @mmcoconut @wqemzz-blog
@tortiefrancis @starstrucks
@timetravellingkitty @flouryhedgehog @jinnazah
@mazzikah @irhabiya @watchnpray
@stuckinapril @soracities @bloglikeanegyptian2-blog @handweavers @trans-axolotl @plomegranate @briarhips @dirhwangdaseul @mahoushojoe @rhubarbspring @schoolhater
@pcktknife @transmutationisms
https://gofund.me/4c9ebb8b
My mother account she will help me to share our campaign
@omeman
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nuttysaladtree · 1 year ago
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Thanks for the advice! I do have an anecdote about this:
Having a debt go to collections is REALLY BAD for your credit.
Is that for storage units in particular or does it also apply generally?
I've had a company's (aVoIding nAming or StATing which one) receivables department send me to collections by mistake...when they had an unexpired card on file. Which I had authorized them to use.
Which they did...after I had received the notice that my debt had been sent to collections. 🤣
As I recall, at least the collections company had the decency to warn me about dinging my credit (presumably) before they would have. And after I (cordially) pointed out that the original debtor got what was due, they emailed me a notice confirming I owed nothing.
tl;dr Don't panic and always know where your towel is
In love with this random guy who had a lock slapped on his storage unit for not paying its rental and not only did he ignore management and took his stuff out without paying, but also chose to steal the lock itself and send it to the LockPickingLawyer along with a confession letter
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lead-rcm · 3 months ago
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Get to know more about the Account Receivable Collections in Healthcare by LeadRCM
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sfsolutionsllc · 3 months ago
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Getting Around in the Debt World: Essential Information Regarding Consumer Collection Agencies
In the current financial environment, both consumers and businesses may find it difficult to manage debt and collections. Knowing what a consumer collection agency does can help people who are having trouble with past-due bills or other collection-related matters by giving them clarity and direction. This blog examines consumer collection agencies—what they are, how they work, and what to do if you come across one.  
A consumer collection agency: what is it?
A specialized company called a consumer collection agency aids creditors in obtaining unpaid debts from individuals. A creditor may use a consumer collection agency to pursue the unpaid balance when a debtor doesn't pay their bills. To guarantee that the debt is collected, these organizations are entrusted with getting in touch with the debtor, settling repayment arrangements, and occasionally pursuing legal action.
How Consumer Collection Agencies Operate
Initial Contact:
Communication: The agency typically starts by sending a written notice or making phone calls to the debtor, informing them of the outstanding debt and requesting payment.
Negotiation: Many agencies offer flexible payment plans or settlements to make it easier for the debtor to repay the debt.
Debt Recovery Process:
Accounts Receivable Management: To collect the debt, collection agencies frequently use a variety of tactics, such as stern demand letters and persistent follow-ups.
Legal Action: In some cases, if the debt remains unpaid, the agency may initiate legal proceedings to obtain a court judgment against the debtor.
Charges and Fees: Collection agencies usually operate on a contingency fee basis, which means they get paid a portion of the money that is recovered. The agency and the case's complexity determine the fees. Why Creditors Employ Debt Recovery Companies
Expertise in Debt Recovery: Collection agencies can be more successful in recovering debts than a creditor's internal efforts because they possess specific knowledge and skills in this area.
Time and Resource Efficiency: When debt collection is outsourced to a third party, creditors can concentrate on their main business activities, and the third party takes care of the recovery process.
Enhanced Cash Flow: Reducing the financial impact of unpaid invoices and increasing cash flow are two benefits of effective debt collection for businesses.
What Shoppers Need to Know About Their Rights: The FDCPA, or Fair Debt Collection Practices Act, Collection agency behaviour is regulated in many nations, including the United States. The FDCPA shields customers from collection agencies' unfair, dishonest, or abusive tactics. Verification: You are entitled to ask for the debt's verification. If you contest the debt, collection agencies are required to present evidence of it. Managing Conversations:
Record Everything: Maintain thorough records of every correspondence you have with the collection agency, including letters, phone conversations, and agreements about payments.
Know Your Options: If you're having trouble paying off debt, you might want to look into options like debt consolidation, debt negotiation, or consulting a financial advisor.
Agencies to Negotiate with: Payment Plans A lot of organizations are open to negotiating settlements or payment schedules. It's critical to have frank conversations and come to a decision that works for you.
You can manage debt collection more skilfully if you comprehend the function and workings of consumer collection agencies. Knowing your rights and options can help you navigate the process with confidence, whether you're a consumer dealing with collections or a business looking to recover outstanding debts. Collaborating with a trustworthy consumer collection agency can help creditors increase financial results and expedite debt recovery. Consumers can handle and resolve debt issues more skilfully by being proactive and knowledgeable.
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luckycaricature · 7 months ago
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I just stopped liking posts altogether tbh
this is assuming its on art you normally wouldn't jump to reblog. i myself only rb stuff i really really like so .
The 'rude/demanding' tone would be stuff along the lines of "if you like but don't reblog I'll [threat]" which i see surprisingly often, both serious and more silly
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artisticdivasworld · 8 months ago
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The Strategic Advantage of Outsourcing Accounts Receivable
Photo by Tima Miroshnichenko on Pexels.com In today’s competitive business landscape, managing accounts receivable (AR) efficiently is crucial for maintaining healthy cash flow and ensuring business sustainability. Recognizing this, many companies, including industry leaders like Swift, Invensis, FedEx Corporation, United Parcel Service, Inc. (UPS), Penske Logistics LLC, and XPO Logistics, are…
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mnscredit · 11 months ago
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Domestic and International B2B Debt Collection: Our b2b collection process keeps the creditor-debtor relation intact, and our goal is to maximise the amount of money collected.
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kapittx · 3 months ago
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High-Impact Strategy for Dunning Management: Increase Cash Flow And Reduce DSO
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Special collection efforts are targeted initiatives designed to address specific objectives within the broader context of accounts receivable management. One such critical objective is reducing the value and quantity of seriously aged invoices. This effort to reduce the value and aged open items can significantly hog senior management time and can be mentally draining. Often these aged items are defined as 90 to 120 days and above and can be found in the far right column of the receivables aging report. These receivables are at the greatest risk of bad debt loss. Longer they remain unpaid the higher the risk of never recovering them and will directly impact your bottom line. These receivables do not get unnoticed and both senior management as well as auditors monitor them.
Dunning management is a critical process for businesses that ensures the timely collection of outstanding payments. In this blog, we’ll explore the intricacies of these efforts and their impact on financial health, cash flow and to reduce DSO.
What Is Dunning Management?
Dunning management refers to the systematic approach businesses use to handle overdue payments from customers. It involves a series of steps aimed at recovering outstanding balances while maintaining positive customer relationships.
High Impact Strategy for Dunning Management
Aged receivables—those lingering unpaid balances—pose a significant challenge for businesses. They carry the risk of bad debt loss, demand provisioning in the bad debt reserve, and attract scrutiny from senior management and auditors. But how can companies strike the right balance between resource allocation and recovery?
In this blog post, we’ll explore a high-impact strategy for dunning management—one that optimizes collections while maintaining cash flow and customer relationships.
The Dilemma
Resource Allocation vs. Payback:
Aged receivables demand attention, but allocating substantial resources for their recovery may yield only modest returns.
Writing them off, however, is prohibitively expensive.
Impact on Cash Flow:
If collection staff focuses excessively on aged accounts, normal collection efforts suffer, affecting cash flow.
The Solution: A Strategic Approach
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1. Segment Your Receivables Portfolio
Customer Attributes:
Categorize receivables based on customer characteristics (e.g., size, domestic vs. foreign, government vs. private sector).
Consider line of business, reseller/partner vs. end user, and other relevant factors.
Map the receivable based on invoice-to-cash life stages ( e.g., invoice which are collectable, disputed, under going legal litigations or provisioned )
Billing Status:
Distinguish between billed and unbilled accounts.
Each segment requires a specialized approach.
2. Develop High-Speed Procedures
Customized Workflows:
Document procedures for each segment (e.g., call blitz, collection letters, reconciliation packs).
Tailor communication to the specific needs of each group.
 3. Implement a Collection Infrastructure
Empowerment and Escalation:
Define negotiation empowerment levels.
Establish an escalation protocol for unresolved disputes.
Document Retrieval and Credit Controls:
Streamline access to relevant documents.
Tighten credit controls to prevent further delinquency.
4. Organizational Design
Utilize Existing Staff:
Design the organization to execute the high-impact action plan.
Consider supplements for administrative or reconciliation support.
Training and Tools:
Train staff in high-speed procedures.
Provide workspace, tools, and resources.
5. Monitor and Measure Progress
Collection Activity Plan:
Track both activities (inputs) and results (outputs).
Regularly assess progress against targets.
6. Launch and Drive Results
Secure Management Approval:
Gain buy-in from leadership.
Announce the program to the organization.
Hands-On Supervision:
Manage the program with experienced, tactical oversight.
Continuously drive results.
By strategically addressing aged receivables, businesses can unlock cash flow, reduce bad debt risk, and maintain healthy customer relationships. Remember, it’s not just about collecting money—it’s about optimizing resources for maximum impact. 
Key Components To Execute Dunning Management Strategy
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Dunning management strategy should enable you to build customer trust and ensure long-term relationships. Design a comprehensive communication strategy using emails and phone calls as payment reminder tools
1. Communication Channels:
Emails: Sending automated emails with friendly reminders about overdue payments.
Phone Calls: Personalized calls to discuss payment issues
2. Dunning Levels:
Level 1 (Soft Reminder): Gentle reminders about the due payment.
Level 2 (Intermediate): More assertive communication, emphasizing the urgency.
Level 3 (Final Notice): Clearly stating consequences if payment isn’t made promptly.
Download eBook – Top 10 Dunning Management Email Templates
3. Automated Workflows
Setting up workflows triggered by payment due dates.
Escalating communication based on predefined rules.
4. Payment Retry Logic:
Automatically retry failed payments.
Adjust retry intervals based on customer behavior.
5. Customer Segmentation:
Segmenting customers based on payment history, loyalty, and responsiveness.
Tailoring dunning strategies accordingly.
Best Practices for Effective Dunning
https://www.kapittx.com/wp-content/uploads/2024/08/Best-Practices-for-Effective-Dunning-1.jpg
1. Personalization:
Address customers by name.
Customize messages based on their payment history.
2. Clear Communication:
Be concise and transparent about outstanding balances.
Explain the consequences of non-payment.
Helping customers understand the importance of timely payments without feeling pressured
3. Timing Matters:
Send reminders before due dates.
Gradually escalate communication as deadlines approach.
4. Flexible Payment Options:
Offer alternative payment methods.
Allow partial payments if necessary.
5. Data-Driven Insights:
Analyze dunning performance metrics.
Adjust strategies based on success rates.
Conclusion
Dunning management is more than just chasing payments; it’s about maintaining customer trust and ensuring long-term relationships. By implementing effective dunning processes, businesses can improve cash flow, reduce churn, and foster positive customer experiences.
Remember, successful dunning isn’t just about collecting money—it’s about nurturing valuable connections.
Click here to see a case study from Kapittx.
Request a demo today.
Check out Kapittx’s LinkedIn here.
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lusalemaart · 1 year ago
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🥛🍔
#really getting fucking tired of tumblr not compressing my file itself. like it ruins the quality but it wont#automatically resize my massive fucking files!? gotta do it myself?? ugh. the lack of usability across all social media platforms is just#getting so hard to stomach anymore. nothing is functional. people get their accounts removed for no logical reason. im exhausted.#and yet i still want all my shit in a collective place -_-#ugh.do you ever look at something and are like. holy shit i painted this.damn. unfortunately it doesnt happen very often but when it does?#almost always my vent boy. why. why is that?why cant i paint anything half decent except this emo boy with a mullet?whatever. also. kinda#random but.not actually random. related actually.idk if this is just me but like. sometimes there are Articles in ur living space that just#exist. like u just accept they exist even tho u have no recollection of attaining them. im talkin clothes specifically rn. like i have this#aqua-green robe with blue trim that ive had as far back as i can recall...except i cant for the life of me remember where it came from! its#almost like it spawned in my closet one day.i just. accept it.like. dont get me wrong. it cozy. its quite physically held up for decades.#i wear it all the damn time. but ive no mortal clue how it got here. ive no memory of receiving it.also ngl i had way too much fun renderin#his beard.like u cant tell bc i apply about a million overlay layers and filters respectively to my finished works. ultimately covering up#hours + hours worth of finely rendered details each drawn individually by hand. deeming my efforts useless in the end bc i cover it up but.#trust me. i took some time with that beard.beard gang beard gang.mullet beard gang.dirty smelly mullet beard man. hello yes my name is#80 y/o who is 32/33 years old. how are you today? im personally doing terrible.good talk. WHAT CAN I SAY i just think the emo grown ass man#with boatloads of physical AND emotional trauma is neat. MY HANDS LOOK LIKE THIS SO HIS DONT HAVE TO *camera pans to a fucked up little set#of discolored claws skin translucent as alll hell. no muscle.atrophied beyond repair. also a bit of dirt is caked under the brittle + ridge#unhealthy nails. cuts and scraped take approx 3 months to heal bc the nerve functioning is That Bad*.#botdbs#fk#on a final note. I drew these about a week ago. I was literally only listening to cheeseburger in paradise the whole time. Then I learned#today that Jimmy Buffett passed away yesterday. broke my heart a little. i was just drinking my coffee from my margaritaville mug too.#Rest in peace legend. I hope heaven has so many cheeseburgers.#so many cheeseburgers in literal paradise.#Makin' the best of every virtue and vice. Worth every damn bit of sacrifice. to get a. cheeseburger in paradise.
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postagepaymentrates · 1 year ago
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What Do You Say in a Collection Letter?
Every accounts receivable (AR) professional has to deal with clients who neglect to pay for the services that they provide. While it may be unpleasant, writing collection letters is a necessary part of ensuring that your company gets paid for its work.
The first collection letter, referred to as a “soft” collection letter, is sent to the client soon after an invoice has gone past due. It simply reminds them that an amount is owed and states that you would appreciate payment as soon as possible. This is often enough to jog the client’s memory and prompt them to send the money that is owed.
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If a client fails to respond to the soft collection letter or fail to pay the outstanding amount, you may need to formally initiate legal proceedings. Before you do this, however, it is a good idea to send the debtor a collection letter outlining your legal rights and describing the process that will be followed.
It is also important to keep in mind that the statute of limitations for collecting unpaid debts might expire after a certain period of time. To avoid having your claim dismissed, you must not acknowledge the debt, make a promise to pay or any other actions that might revive the statute of limitations.
When you send a collection letter, it is best to be as detailed as possible while still maintaining a polite and respectful tone. Also, be sure to create a collections log. This will help you keep track of each collector’s call, date and time and what they say to you. This will protect you if the collector is not following the law or if they are inadvertently restarting the statute of limitations.
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veltana · 7 months ago
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Unleashed - Avengers!Bucky/Fem!Reader
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✦ Pairing: Avengers!Bucky Barnes/Fem!Reader
✦ Word count: ~4,2k
✦ Rating: Explicit
✦ Warnings/tags: Sex pollen adjacent kinda, smut, a bit fluffy, one shot, possessive!Bucky, co-workers/friends to lovers, oral sex (fem receiving), unprotected sex, vaginal sex, multiple orgasms, forced orgasms, orgasm denial, dirty talk, praise, creampie, pet names (doll).
✦ Summary: During a mission, Bucky is exposed to something that removes his inhibitions and all he wants is you.
✦ Note: Previously posted on AO3 since I have basically no time or energy to write new stuff. It was titled You’re what I need before but I always hated that title so I decided to re-name it. Bucky is kind of an asshole in this, but it's just because he wants you! As always, reblogs, comments, and asks are very welcome ❤️
Masterlist | AO3
The worst part about watching from afar as a mission goes to shit is that you feel useless. Even as you dispatch medics for the team all you can do is tell them, "Help is on the way."
Captain America shouts orders that you hear through the comms. The wait feels endless until the crew of the quinjet declares that they have spotted the team and there's not much else for you to do but look at your monitors and wait for an update. When you get the call back that the team is secure you breathe a sigh of relief, but then the next message is to prepare the medical staff to receive multiple injuries and chemical exposure. You ask the crew to clarify, but they are too busy, so when you notify the medical center, they prepare a quarantine room.
Sometimes you wish you had a superpower and could be there with them instead of staring at your monitors and doing endless calculations on whatever the team needs. But then when they return they always compliment your work and tell you they don’t know how they managed without you. You try to remind yourself of those moments at times like this.
Once the quinjet is docked and everyone has been accounted for you push away from your desk and remove your headset, taking deep breaths and trying to calm your heart. A moment later a message pops up on your screen, probably because they couldn’t reach you through your comms. [Bucky wants you to come down here]
Your heart does a little flip in your chest, making you scowl. He is your friend and probably injured, you have no idea why he would be asking for you, but it’s not because he feels the same way you do. You grab your tablet and head to the MedBay.
When you get down you take stock of the situation. Nat and Steve have some scratches, Sam's arm is broken and Wanda has a few cracked ribs. Tony is bruised, his suit had taken most of the damage. You look around for Bucky but don’t see him anywhere and quickly deduce that he must be the person currently in quarantine.
When you get to the wing, you’re almost too scared to go in, afraid to see what could have happened to him. Inside, you find a team of medical personnel discussing Bucky's condition with him through a glass wall. His hair looks damp and he's wearing standard-issue quarantine clothing, soft black pants, and a black sweatshirt. When he sees you standing patiently at the side he says. "You can come back later. I need to talk to her more than I need to talk to you. Go away." His voice comes from speakers in the ceiling.
You're shocked by his behavior but smile apologetically as the white coats pass you on their way out. When you get up to the glass you hiss. "Bucky, what is wrong with you, don't be rude.” "You make it sound like I'm never rude otherwise," he laughs. "You're not rude to healthcare professionals, you know better." You glare at him as you wake your tablet. “Now what did you need me for?”
"Do you like me?" he asks. Your mouth falls open and your heart starts to beat faster. You’re happy your vitals aren’t monitored as you quickly collect yourself and try to deflect his question. "Of course I like you Bucky, you're my friend." But now it feels weird to look at him and you find a spot on the wall far behind him to focus on.
"What if I want more than friends?" is his next question and despite your best efforts, hope warms your chest. This is not happening. Of course you toyed with the idea of you and Bucky, he is always sweet to you, and if he has the chance he brings you gifts from the missions. But you’ve told yourself repeatedly that he needs someone stronger, who can keep up with him in the field and you’re not that person.
"Can we have this conversation when you are not high on some HYDRA drug?” you ask, trying to keep your voice from betraying you. They are monitoring everything in the room. And there is a sheet of unbreakable glass in between you both. If you're going to confess your feelings, it won't be like this.
"I'm not high," he huffs. "My mind has never been clearer." "I still think we should have this conversation later." "Doll, look at me." The command in his voice is so strong you don’t think, you snap your eyes to his and they are so blue and soft.
"I will feel the same tomorrow, and the day after, whenever this drug wears off but now is the only time I can't hold my tongue," he explains. You place your hand on the glass and he does the same on the other side. "It will be fine Bucky, I promise," you say just as the door opens and Steve walks in, making you pull your hand back to your side. He's showered, in a fresh pair of clothes and he swings his arm over your shoulder.
"Stop hogging her time Bucky, I know for a fact that she also needs to debrief," he smiles but Bucky looks as if he's seeing red. Through gritted teeth he presses out, "Get your fucking arm off her, punk. She's mine."
You and Steve burst into laughter because it has to be a joke, but then Bucky punches the barrier with his vibranium arm. The glass doesn't crack but both you and Steve stop short and step away in shock. Steve removes his arm and says, "I'll meet you upstairs." Before quickly heading out.
You turn to Bucky and point at him, anger rising in your chest. "What is wrong with you? Steve is your friend!" "That is what it’s like in here every day,” he points to his head. You're taken aback by his statement and his wide feral eyes. Clearly, whatever he was exposed to had messed with his head and he's not himself. “Bucky I need to go,” you tell him, and before he can protest you continue. “I’ll see you tomorrow.” You smile feebly at him and are out the door before he can say anything else.
After debriefing and having dinner you go to bed early. Your head is spinning with the day and most of all, Bucky.
It's way past midnight when you wake to the soft closing of your door. Since you always sleep with a night light the soft warm glow reflects off his left arm and leaves no doubt about who has entered your room. You blink at him but before you can ask a question he rasps out, pleading. "I need you. So bad. Please doll, help me." He moves closer to your bed.
You quickly remove your covers and get up, glad the giant t-shirt covers you to your thighs, ready to spring into action. "Anything Bucky, what do you need?" You stop an arm's length from him, but all he does is reach his hand out to cup your face, letting his thumb stroke your cheek. There is a wild look in his eyes but you keep calm. "I can't get you what you need if you don't tell me," you whisper, meeting his eyes and watching as his brow furrows.
"I need you. Right now. If I don't get to touch and taste every inch of your body I'm going to lose my mind," he confesses in a low voice. His words shock you and you hitch a breath. You’re not sure what you’re supposed to do. You have this great friendship. If things were different you would not have minded taking it to another level, but with the day in mind and the fact that he somehow got out of his containment room you say, "Bucky, you’re not yourself, you need to get back to-”
"Doll,” he interrupts with a hard voice. “For once, I feel more like myself than I have in a long time. The only thing the drug did, I think, was remove my inhibitions. For once I feel free. My mind isn't controlled by HYDRA or by fear that you'll reject me. All I know is that I crave you and I can't be quiet about it anymore.”
"Bucky… I…" your whole body is flushed with warmth from his words and you're not sure how to respond. "I dreamt about you and couldn't stop myself from going over here. I don't want to hurt you, doll, but I'm not sure this drug will let me leave. All I wanna do is move closer to you.” You swallow hard as he continues, thumb still stroking your cheek. “Ask FRIDAY to get Steve, or the Hulk if you want me to leave."
Instead, you step into him, making up your mind in an instant and resting your hands on his chest. "Stay, I'll be glad to help you with anything you need," you whisper honestly and by the way his eyes widen there was still some doubt in his mind that you would reject him.
Instead of saying anything his vibranium hand grasps your waist and pulls you closer. There is no escaping the smell and size of him and his hands on you got your pussy throbbing for him already.
"I hope you understand what you've agreed to," he whispers, leaning closer. "Once I have you I won't stop, you'll never be rid of me. I'll claim you against every surface of this fucking compound if I need to." That makes you whimper and press harder against him. "Fuck you'd like that huh? Are you a kinky little thing? Like getting fucked where people can see you and hear you moan, do you want people to see my hard dick spread you open?" "Fuck Bucky!" You exclaim and lean your forehead against his chest. Maybe that idea excites you or maybe it is just that the word ‘claim’ sounds so primal.
"You're going to tell me all your little secrets later, doll. But now, I'm going to take what's mine." And with that, he crushes his lips to yours. He backs you towards the bed, kissing you the whole time, letting his hands explore you. When you land on your back, he stands over you with eyes like a predator about to devour its prey.
You shuffle up until your head rests on the pillows, spreading your legs for him. Without taking off any clothes he crawls after you, settling on his knees between your legs and placing his hands on the headboard, crowding you with his large frame. "Mine," he whispers and it makes a shudder pass through you. He ruts his clothed cock against your core, slicking your underwear even more and making you whine, gripping the sheets under you.
"Yes," he almost hisses as the length of his dick presses on your clit and forces a mewl out of you. It's been a long time since you've gotten laid. "Bucky," you plead. "No doll, I'm going to enjoy every fucking second of claiming you, from the outside in. Did you think this would be hard and fast and that I would be gone before you knew what happened?"
He lets go of the headboard to put his elbows beside your head instead, his weight on you, pressing you down into the mattress. "When I leave you will long for me, spend every waking second wishing I was still inside you. I want your cunt to be permanently drenched so I can fuck you whenever I please." He kisses you forcefully and any coherent thought that was left in your head flees. "And when you're too sore to take more of my dick in your pussy I'm going to do the same thing to your mouth and ass."
He rids you off your t-shirt and instead of having to move from between your legs to pull off your underwear, he rips them apart. "Ah!" you exclaim when the force of his movements jolts you but he takes no notice, he just stares at you, letting his hands roam up and down your sides, up to your tits, cupping them and caressing your nipples with his thumbs.
Whimpers are coming from you with every pass of this touch. Then he moves down and lays on his stomach, not saying a word as he sweeps his tongue over your pussy before he starts devouring you with a throaty moan.
It doesn’t take long for the first orgasm to take you, his movements are precise and his words and actions have made you hornier than you’ve ever experienced. Or maybe it's because he is the hottest person you’ve ever laid eyes on and he only wants you.
When you’re finished and sensitive he dips his tongue into your hole to taste you and groans loudly, lapping up the wetness from your orgasm. "Better than I've dreamed of," he says when he pulls away. Now you’re the one that must be high because you can't help but giggle. "You seriously dream of me?" "All the time, doll. Every night when I go to bed I wish you were with me and then you plague my sleep with your soft curves and radiant smile."
You're about to tell him how his laugh makes you warm and fuzzy on the inside but at that moment he sucks your clit into his mouth, cutting out every thought in your brain. He's gentle but not hesitant, it's as if he's feeling you out and when you make a particularly loud sound he continues the same movement, making your whole body go hot.
The second orgasm is intense enough to send aftershocks through for a long while afterward. Bucky lays his head on your thigh as you tremble, caressing your skin and letting the fingers of his right hand skim over your opening.
Despite what he's already given you, you still crave more. His fingertips never come close to where you need them and when you whine at the back of your throat Bucky smiles up at you. "Don't worry, I'm not even close to done with you, but I don't want you to pass out on me.” One of his fingers glides inside, making you take a sharp breath just because it feels so good. Once again he is careful, moving slowly, listening to your breath and your body.
"Please Bucky, I need more.” "No need to beg, I'll give you everything you want… in time," he breathes and kisses the skin on the inside of your thigh. Slowly he moves his finger in and out. You're sure it's a form of torture. The sweetest kind there is. Your breathing is labored and when he finally adds a second, you start to quiver.
He nips at your skin and then kisses it before speaking. "You look like a goddess, doll, eyes filled with lust, your skin is gleaming. I'm going to worship you until you're tired of me.” "Never gonna happen," you whimper. Then his thumb lands on your clit, making you cry out. Everything is so sensitive and overstimulated.
"I don't- Bucky, I don't think I can again," you tell him even though his touches are causing your insides to melt. "Yes, you will," his voice is soft but the command is clear. So instead of trying to speak again, you sink further into the madness that is him playing with you. The third one takes its sweet time but you never feel rushed or stressed that it's taking too long. Bucky isn’t in a hurry.
Then it’s suddenly there, crashing through you. "Fuck Bucky, fuck you're gonna make me come." "So good for me, let me feel you come on my fingers," he urges. "I'm going to lick them clean afterward so make sure you get them nice and wet for me. I want as much as you'll give me." The climax reaches its peak and you come with a cry of his name, body convulsing and your hand shooting down to tangle in his hair.
"Just like that doll," he smiles up at you and holds your gaze when he pulls out his fingers and sucks them clean, moaning while he does. It's a filthy sound, but it turns you on as if he didn't just make you come for the third time. Then he dives in between your legs again, licking at your skin and your soaked hole. Letting go of his hair all you can do is just lie there, writhing, as he somehow coaxes a fourth orgasm out of you.
“Fuck me,” you plead when he pulls back. “I need you inside me Bucky.” This time he takes pity on you and moves away to take off his clothes. When he’s naked he kneels between your legs again and you spread them as wide as you can. "Want me, doll?" he asks with a smirk. He swipes his cock through your mess and then uses his hand to coat himself with you. "Yes," is all you can say. Both you and Bucky stare as he pushes his dick into you, filling you up completely. Of course, he takes it torturously slow this time too.
"This feels better than any dream I've ever had," he whispers almost in awe. You grip his biceps and arch into him, pushing him deeper, faster. That makes him tsk but smiles at the same time as he pushes the rest of the way, finally seating himself. Without giving you a chance to relax he starts fucking you, his cock pushes perfectly against your insides, pulling sounds from you that you haven't made in years.
He sits back on his heels lifting your ass effortlessly until your weight is resting on your shoulders and neck. It's like he is in a trance, pulling you onto his cock over and over again. Your body is his, your mind has fled, and all you see and feel is just him all around you. His eyes keep changing between his dick filling your cunt, your bouncing tits, and your half-lit eyes as if he is not sure where to look. "Mine," he rasps and thrusts hard to empathize the word. "All mine. Say it."
It takes some time for your brain to connect to your mouth and form the words but his gaze never leaves you. "Yours," you whimper. "I'm yours, Bucky." There is a familiar heat low in your belly that's steadily spreading through your limbs. It makes you wiggle and move because it's overwhelming. He is overwhelming in the best sense. Whining you reach down to rub yourself but he slaps your hand away. "I thought I told you, it's mine. I own this cunt. If you wanna touch yourself you have to ask permission." It's as close to a growl as is humanly possible and you don't understand how he can be so cognizant right now, because your brain is like putty. "Can I please rub my clit Bucky, I wanna come on your cock so bad," you cry.
"Good girl," he praises, and when he calls you that, your mouth falls open with a keening sound, gripping the sheets even harder, pulling at them because you want to come so bad. "Do it, show me how you get off when you're alone in bed without me." Everything is slippery and sensitive when you start with your fingers and you immediately know it's going to go fast. With his previous words in mind, you ask. "Can I come?" He meets your eyes with a wicked smile. "Fast learner. Yeah, you can come… when I tell you."
You rip your hand away, afraid you might fall over the edge at any second. The sound out of your throat is almost a sob. "Don't be like that, doll, I thought you said you couldn't do it more times?" "I can-I can! As many times as you want just please let me come." "Fuck, I like it when you beg with my cock in you." But he doesn't say anything else, just continues fucking you. He's not even winded while you're straining your entire body. Your hand wants to move back, anything to relieve the pressure inside you but Bucky was very clear and you don’t want to disobey him.
Then he pulls out and drops you onto the bed, but you don't get to relax because he flips you onto your stomach and pushes one of your knees up to the side before he presses in. His dick hits your G-spot dead on and you scream into the pillow under you. Bucky chuckles right by your ear. "Guess I found it." He's merciless, his hips hit your ass hard and if it weren't for his weight pressing you down you would soon hit the headboard.
"Bucky!" you wail because it's too much. You're losing the last pieces of your mind to the sheer force of the pleasure and you're scared you're never going to be able to come back to yourself. Then his hand presses in between you and the mattress. "Rub yourself on my fingers, make yourself cum. Fuck my cock and come all over me doll." You brace yourself as best you can and move your hips as he keeps almost completely still, just shallow thrusts in stark comparison to what he was doing to you just moments ago.
His fingers slide along your clit, his cock brushing your G-spot over and over again. You're breathless, sweat breaking out along your skin, but the climax you're chasing will be well worth it. You just know it.
"I can't fill you up until I’ve felt you come around me," he grunts, his voice tight with holding back. You whimper, the feeling of fire flushing your whole body, and building up to an eruption like no other. "Yes, yes, yes," he chants low in your ear. "That's it, come for me, make me proud. Fuck it feels so good." And he starts moving again "I'm going to fill you fucking full of my cum. That's it!"
The heat in you breaks and you come with a shout of his name, shaking under him. It gets even more intense when Bucky finishes right behind you, groaning your name. He collapses on top of you but his hips are still moving, slowly, as if he doesn’t want it to ever end. Neither would you but your body is wrecked.
When he finally rolls off, you're so close to falling asleep, but he picks you up and carries you to the bathroom. "Pee." He points and you want to tell him that you know the drill, this isn't your first time, but all that comes out is a grumble before he closes the door behind him and you sit down on the toilet.
When you're done, you stumble out and have a moment of panic, thinking he left. But then the door opens and Bucky returns with two bottles of water, handing you one before leading you to the bed and sitting you down on the edge. Gratefully you drink and lean against his shoulder before asking. "How do you feel?" "Better than I have in a long time," he answers, kissing your forehead. You chuckle. "Yeah I have a magical pussy, it can cure anything," you joke and it makes him laugh. "You should get back to quarantine," you comment. "Before anyone notices." He shakes his head. "No I'm staying here, I'm never leaving you again." He takes the bottle from your hand and places it on the bedside table together with his own. Then he crawls beneath the sheets and you go after him, letting him envelop you in a tight embrace before you fall asleep.
Alarms blare and you wake with a start. "FRIDAY what's going on?" you ask out into the room. “Sergeant Barnes has escaped his confinement.” The voice echoes through the room. You sigh and glare at Bucky grumbling beside you, like the loud signal is just a regular alarm clock. "FRIDAY please inform the team that Bucky is here and everything is fine."
A second later the sound dies and with a sigh you get up to pull on yesterday's discarded t-shirt and find a pair of pants. Right when you're done there is a knock on the door and Steve asks, "Everything okay in there?" You open the door enough to show yourself. "We're fine, he broke out during the night and came here." "Oh," Steve says and there is a hint of blush on his cheeks.
Then you feel a presence behind you and Bucky’s arm goes around your waist. "Mine," he says and you can't see him but he's probably glaring daggers at Steve who backs away. "We'll be okay, I'll alert FRIDAY if I need help," you tell Steve. When you close the door Bucky turns you before pushing you up against it and kissing you hard. "Mine," he mumbles against your lips. "Fucking caveman," you tell him. He grabs you around the waist and throws you over his shoulder. "I'll show you caveman," he says and carries you to the bed
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neonbutchery · 3 months ago
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FUNDRAISERS FOR PALESTINIANS THAT ARE LOW ON FUNDS
Here are some fundraisers of Palestinians in/from Gaza who've reached out to me and that are very low on funds. If you're able to donate, I encourage you to (even if it's a small quantity, it can make a huge difference); and if not, share this post as much as you can.
DISCLAIMER: These fundraisers mostly aren’t vetted by any reliable bloggers or organizations, or I haven’t been able to find proof of vetting for them. That being said, I feel confident including them in this list since everything about them points to them being legit (for example, there’s wide picture and video documentation, and the GFM’s receiver is located in one of the countries where you’re able to receive money through the platform). Whether you decide to donate or not, it’s up to you. If one of these fundraisers is indeed a scam, please reach out to me with evidence of it so I can remove it from this list.
Rebuilding Hope: A Gaza Family in Need of Your Help (@majedgaza1) - $1243/$70000 - Majed and his family were able to escape to safety in Egypt. However, they're in need of funds to get safe housing and to pay for the education of his children so they can keep studying.
Help Whadi get cancer treatment and evacuate his family - £1739/£100000 - Whadi is a 17-year-old teenager with stomach cancer who needs urgent funds to continue his treatment and afford his medication. This campaign was vetted by the volunteer collective beesandwatermelons on Instagram, and can be found in their spreadsheet at #11.
Help me get my family out of Gaza (@karim-rasha) - 1530€/50000€ - Rasha needs help evacuating his family, which includes his elderly parents and young siblings (10 and 12 years old), from Gaza. The Tumblr account is managed by Karim, the eldest sibling.
Help us to survive from this war (@moneerraed) - 100€/35000€ - Monir, his parents, and four siblings need funds in order to evacuate Gaza after losing their shop and home.
Help Ahmed and his family get out of Gaza (@save-ahmed-family1) - 1203€/20000€ - Ahmed lost his mother when she was unable to access medical treatment after the ongoing Israeli aggression started. He now needs help to evacuate to safety alongside his wife and young daughter.
Save my family in Gaza Strip.. Help my family's children (@sara-97a) - 672€/50000€ - Ahmed and his family need urgent help evacuating Gaza, as well as affording food and medicine for his elderly mother who's a stroke survivor with diabetes and can't currently access treatment. He's got three young children as well.
Regardless of how small it is, any donation is incredibly helpful. Your five or ten bucks can be the difference and help any of the people here afford food, medicine, evacuation, and be able to survive the ongoing genocide. If not, please reblog so these fundraisers can get more eyes on them and be able to reach their goal.
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espace--positif · 1 month ago
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Mornings With Him
A collection of husband!Zayne x F!Reader domestic headcanons [Love and Deepspace]
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Summary: Mornings are always better shared. Especially with the love of your life. A collection of fluffy snapshots of mornings spent with husband!Zayne. Pairing: Zayne x F!Reader WC: ~2.1K Content tags: Established relationship, Domestic fluff, Fluff, Romance, Mild suggestiveness Read on AO3 // My Masterlist
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Ever since you married the love of your life and began living together, your mornings have changed for the better. But things haven’t always been so smooth, on account of a few differences in your lifestyle that made themselves glaringly obvious early on.
For one, Zayne is a morning person, and you’re regrettably not. Not to the extent that he is, anyway. You don’t ever clash on this, but it’s caused some… unforeseen difficulties in the past, especially for your husband.
He’s always been the type of person to be ready a full hour before he has to leave, whereas you’re more likely to be rushing out the door exactly on the dot, if not later. On top of that, he’s also a morning runner. So when he would try to quietly sneak out of bed to begin his rigorous routine every morning and you’d sleepily cling to him, coaxing him back to the warmth of your shared bed with an almost 100% success rate, to the point where he started regularly missing his morning runs, he figured something had to change.
His solution? He’d find a way for the two of you to spend your mornings together, outside of bed.
Thus, he carefully crafts a shared routine for the both of you, easing you into his way of life while easing himself out of the constancy of his own diligence, little by little.
One early morning, as Zayne woefully pulls himself away from your iron grip, he decides to venture towards the kitchen on a mission. He brews two large cups of coffee and returns to your shared bedroom, where he finds you sprawled on his side of the bed, trying to soak up any residual warmth. You lift your gaze, meeting his with sleepy eyes, and he instantly recognizes the look on your face - his betrayal will not be forgiven nor forgotten, especially this early in the morning when you’re less than agreeable on most things. Well, on all things, really.
He sits at the edge of the bed and silently offers a cup — your favorite cup — and you glare for a while before sitting up and grabbing it. It warms your hands, and you start to think about forgiving him for abandoning his duties as your personal heater.
Over the next week, Zayne gradually adds more layers to your shared routine, carving out a space for you in his little tasks. You’ve become less and less insistent on dragging him back to bed by force, knowing that you’ll be rewarded with a delicious coffee delivered straight to you within a few minutes of his departure. Once his peace offering is well received, he wraps your robe around you and takes you by the hand, leading you to sit by the patio window to enjoy your coffee - in the warmer months, you often sit on the porch — and only then does he take the opportunity to complete his run.
There, while listening to birdsong and being caressed by the gentle breeze, you’re thankful for the brief moment of tranquil solitude. Besides, you know that your husband will be back like clockwork, right as you’ve had your last sip. The corners of your lips inevitably tug upwards every time you see him rounding the bend, jogging back to you. It’s as if you’re seeing him for the first time all over again. You stand to meet him halfway through your yard, and he gently kisses your forehead. You wrap your arms around his warm chest, and his embrace feels as comforting as it has ever felt.
You wash your face and brush your teeth while he showers, and vice versa, both of you relishing in the proximity and safety of each others’ presence even while doing something as mundane as getting ready. While you complete the final touches of your routine in the mirror, Zayne works on a simple breakfast. You’ve never been a breakfast person, but after much insistence and lecturing about how it’s the most important meal of the day, you end up caving, graciously accepting anything he offers you in the morning. His prowess at cooking helps too, of course.
Once you’re ready, you sit across from each other at the dining table, where a helping of sometimes egg and toast, sometimes waffles, sometimes fancy greek yogurt, sits waiting for you. There’s often no need for very many words as you share breakfast together. Both of you sit in the solace of each other’s company for a while, comfortable silence occasionally truncated by a comment of yours on how good the food is, or a comment of his on the weather forecast. Eventually, your renewed energy causes conversation to naturally take off, and you end up rambling about mundanities while he listens attentively, as though it’s the most riveting thing in the world.
By the time you’re set to leave, your morning has already brightened, your smile shining brighter than the sun as you offer to tighten your husband’s tie, a ritual he never refuses even though his tie is already in perfect condition. He returns your beaming smile, and finds that his morning has brightened too, more than he ever could have imagined. For a moment, Zayne blissfully contemplates how he would gladly upend his entire mornings, afternoons, evenings, and nights, all at once, in exchange for this view.
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Not all mornings are so predictable. In fact, some morning are simply a continuation of a long, long night…
Zayne almost thinks his eyes are deceiving him when he sees your hunched-over form lit up by dancing blue light from the TV screen. When he awoke at four in the morning to an empty and cold bed, he assumed that you fell asleep in front of the lawyer drama you were so captivated with, but he didn’t imagine that you’d still be watching.
He gingerly comes down the steps, socks muffling his movement, and you’re so caught up in your show that you don’t hear him coming. He stands there, amused and baffled all at once, taking in the sight of you. Here sits his wife, normally a pinnacle of responsibility, huddled in a blanket with nothing but her face poking out, eyes bleary with tiredness, but burning with fervent focus at whatever ridiculous plotline is surely unfolding before her. He lets out an incredulous chuckle. The TV volume is almost too low to hear and you’re busy squinting at the subtitles; you’re considerate even in your most unreasonable moments.
“Honey,” he says, breaking the almost-silence.
You slowly turn to face him, a serious expression etched on your face.
“I think Jacob’s gonna cheat… with Anna-Maria,” you say gravely, as if the world hangs in balance.
He makes a mental note never to leave you to your own devices in front of these shows, even if you swear up and down you’ll only watch one more episode before you join him in bed. But for now, he figures you’ll need proper closure on whether Jacob truly plans to cheat on his wife with his legal assistant, and though he’s loath to admit, he’s curious himself, as Jacob always struck him as an honest enough man.
So he plops down next to you, reserving his lecture on your late-night escapade for another time. You unfurl yourself from your blanket-cocoon, wrap the blanket around you both, and snuggle up against him, thankful for the added warmth on this chilly winter morning.
You watch two and a half more episodes together, in which the Jacob storyline wraps up neatly with a bow on top - he was majorly guilty, of course. Zayne turns the TV off when all is said and done, and you sit in silence, processing the somewhat unsatisfying end to the plotline.
“Don’t you think he got off too easy?” you look up with half-lidded eyes and ask Zayne with genuine curiosity. At this point, the show has become entirely too real in your sleepy mind, and you seem to suddenly have a big problems with the gaps in realism. “His wife immediately went to ‘let’s try couples therapy’ and not ‘you’re an asshole and I’m divorcing you.’ She even put some of the blame on herself!”
Zayne can’t help but smile at how serious yet unserious you look right now - it’s frankly adorable.
“Well, Jacob seems to have something called plot armor, so that helped to lessen his sentence.”
You chortle at the clever wordplay, lightly tapping your husband on the chest. Lazily reaching over to pick up your phone, you check the time and let out a groan.
“Oh no. It’s almost six.”
“It sure is,” Zayne replies with a resigned smile.
“And now I’ve kept you up too,” you whine. “Ugh, I’m sorry. We should go get ready.”
But just as you’re about to drag yourself away from him, Zayne pulls you back into his chest.
“Call in.” It’s more of a gentle command than a suggestion.
You contemplate his words for a while, and he hopes that the warm comfort he feels right now, your body against snugly glued to his, will entice you to stay right where you are as much as it’s enticing him.
“I do have a lot of sick days saved up…” you ponder out loud. “Okay, fine, but under one condition.”
Zayne tilts his head at you inquisitively. Conditional capitulation being one of your specialties, he presumes you’re going to drag him through another one of these dramas that you enjoy so much, and that he’s grown to enjoy as well since meeting you (though he would never admit it).
“You call in too,” you say with a mischievous smile. “I stole two whole hours of your beauty sleep, and a certain someone once told me that any less than 8 hours is unhealthy. So let’s just stay right here and nap all day.”
Zayne leans over and plants a gentle kiss on your lips. You have a knack for saying exactly what he wants to hear — yet another one of your specialties.
“Deal.”
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Even when you’re on vacation, hundreds of miles away from any and all possible responsibilities, Zayne doesn’t seem to have an off button. He’s up at seven thirty in the morning, and despite your countless nagging about how that’s too early, he’ll insist that it’s far later than his usual, and that it’s perfectly reasonable.
He’s seemingly impervious to jet lag - he’ll tell you all about how good sleep hygiene and optimal nap times contribute to mitigate its effects, though you’re convinced your husband must have some kind of genetic or occupational advantage over you.
Your mornings together begin almost two generous hours after he’s begun his own routine. His 6AM runs are replaced with what he calls a leisurely maintenance routine at the hotel gym. Then, he comes back upstairs to quietly shower off while you’re still dozing, but not before scouting the hotel buffet. This is a very crucial part of his plan for the two of you.
Zayne is thoughtful enough to let you sleep in on vacation, completing the rest of his morning routine as silently as possible, knowing how much you both need the time off. However, once his shower is completed, your time is up. By 9AM, the curtains are flying open, room service is already on the way with coffee, and he’s crawling into the bed you’ve now appropriated as your own, gently but firmly coaxing you awake as you try to cover your eyes in vain. You settle for gluing yourself to his body and using him as a makeshift shield against the bright sun filtering through the window.
“Mmh… ‘s too early,” you mumble into his chest. He smells of hotel soap, and hotel soap has never smelled so good.
“It’s nine in the morning, dear. You’ll stay jet lagged the whole time if we don’t fix that schedule of yours.”
Yeah, yeah, yeah - you’ve heard it all before. But staying right there, on soft plush covers, cuddling with your husband in the morning sun sounds like an awfully good deal in exchange for a little bit of jet lag.
“And the buffet closes at 10:30.”
He never tires of the way your entire body perks up at the magic word. You look up at him, blinking remnants of sleep away, and repeat his words, as if they’re too good to be true.
“Buffet?”
“That’s right.”
“What’s the pastry situation?”
Your suddenly stern face and steadfast determination sends a low rumble of laughter through his chest.
“Full spread. Salty and savoury. Heated on demand.”
You gulp.
“And eggs?”
“However you want them. Unlimited toppings and fillings.”
You practically shove him off and commando-roll out of the queen bed, scurrying around the room to start getting ready. Normally your not-so-gracious dismount from your impromptu cuddle session would’ve earned you a cheeky comment, but as he watches you discard your robe on the bathroom floor, then saunter over to your open luggage to find your “buffet-primed clothes”, as you like to call them, your bare curves basking in the sunlight, he finds that he doesn’t mind your enthusiasm at all.
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Thank you for reading! I’ve been thinking about domestic Zayne nonstop so of course I had to write about it. He’s so husband-material coded it’s not even funny. I might write something like this again in the future if I think of more scenarios! 💜
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