#Business to business lead generation
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Lore in Those Shirts… >>>
#star trek#star trek tng#tng#star trek the next generation#the next generation#lore soong#star trek lore#self indulgence hours#and a little change of pace!#this style was conceived in that Daforge comic I made a while ago#it has evolved since of course!#plus it’s a change of pace in my week sitting down and working on this while watching a movie with my sister#I’ve been a bit of a busy bee lately. in fact I’m starting a new campus job tomorrow!#I’m shadowing my first tour to eventually lead them on my own
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Nothing is stronger than the bond between a girl and a piece of media they brushed off 10 years ago that they now realized is the greatest thing ever made
#In this context 'girl' refers to everyone this has happened to#I've already told the story about how I watched half of the first ep of khr and turned it off cuz I thought tsuna annoying#I did it with mairuma too I saw it coming out and just ignored it cuz I thought the concept was generic#And only picked it up when the manga was updating#Fukimono I read like up to when they go to the yokai world and never got to it till I got super sick actual YEARS afterwards#Sad to say but blue exorcist technically counts cuz I read 5 chapters ans stopped but it's cuz I got busy its not cuz I STOPPED liking aoex#I never stop liking blue exorcist this is for life#Jeweler richard anime I got to ep 6 and was convinced for a while it was mid and yeah the anime is but the manga/LN is amazing#I did this with a ton of vocaloid artists too#Let's not bury the lead (I say as bury the lead)#This post is actually cuz I've been binge reading yohaji#I have vague memories of looking at it so fucking long ago and thinking the first chapter was vulgar but once u get passed that hump wow#It's so good#I'm gonna make a separate post about hmmgm#Tell me what yall did this to thanks#Khr#Hitman reborn#Mairuma#mairimashita! iruma kun#fukigen na mononokean#fukimono#blue exorcist#ao no exorcist#Jeweler richard#yohaji#Fuck what's the full yohaji title#Oh well
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you know what, I actually will talk about this because it's bothering me. The issue with focussing so heavily on syd and carmy's potential for a romantic relationship isn't that there's something inherently unintellectual about romance or whatever, it's that a lot of people seem incapable of doing that without immediately flattening the story and ignoring or intentionally misreading any and all nuance for the sake of that romance. Every scene suddenly becomes about how it impacts their relationship, every analysis is done through a romantic lens, every frame or line of dialogue becomes about finding some easter egg or hint that "proves" these people should start dating. Their dynamic is absolutely a fundamental part of this show, but if you can only see it as a will-they-won't-they, you miss so much of what the story is actually trying to say with these two.
There are good versions of this story where their relationship is romantic and there are good versions of this story where it isn't, but as soon as you decide them being together is "the point," you lose the ability to actually judge the story for what it is, not what you want it to be.
#like so much of their dynamic (esp but not exclusively in S3) has been about showing the ways that carmy's trauma and dysfunctional#attitude in the kitchen impacts other people and how even though he cares about syd and wants their partnership to work he keeps self#sabotaging and setting himself and by extension her and the restaurant up to fail and replicating the same toxic environments that#he grew up and trained in and this is very much consistent with his character and a natural continuation of the conflicts they've been#having since S1 but because him being shitty with her runs contrary to them getting together suddenly its 'ruining the story' and#out of character and only happening bc the writers just hate to see this ship winning and like. if you really think that i genuinely don't#know what show you've been watching bc it sure as shit wasn't this one. like it hurts to see him do this because you know#they could do something genuinely great together and that he's ruining a really good thing but this is also the reality of where he is rn#if he was just a good and supporting business partner and not deeply dysfunctional it would be wildly out of character#the problem w S3 wasn't that it 'ruined' their relationship it's that it had no clear focus overemphasized carmy's arc at the expense#of the other leads deprioritized the supporting cast while failing to give them their own arcs gave more screen time to#unecessary and uninteresting new 'comic relief' characters and let conflicts stagnate without resolving them or#letting them evolve over the course of the season.#this isn't exclusive to the bear this is a general trend ive noticed where as soon as the 'shipper' part of people's brains get activated#it's like they lose the ability to read the story any other way and it stops being about what's good for the narrative and starts being#about whether or not these two people kiss and anything that gets in the way of that is bad and anything that brings it closer is good#and it's usually whatever but it's really frustrating when the story ppl are doing that to is this good#it also makes people fundamentally incapable of treating any 'obstacle' to that romance in a way that isn't wildly meanspirited and#gross (esp bc those characters are usually women) which is exhausting. like no claire isn't evil or a 'pick me' or 'bad' for carmy#or a useless addition to the story or whatever other nonsense you guys have decided must be true to feel okay. she's a perfectly normal#character and their relationship is exploring some of the ways that carmy's inability to deal with or actually address his trauma#impacts the various relationships in his life. she doesn't even have to be a monster or a narrative mistake for him and syd to be#'destined' for each other or whatever. this isn't a middle school wattpad fic.#im definitely gonna get killed in the street for this but ive been looking for a good reason to spend less time on here so might as well#the bear#sydcarmy#sydney adamu#carmy berzatto
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What the Hell !
#i have gotten to the backstory portion of dressrosa and. oh my. oh boy. uh oh sisters#“next time you think 'the world government wouldnt do that.' Oh yes they would” type backstory#i think if for no other reason. they shoild invent therapy in the one piece universe specifically for law#other people can benefit from it too but he is my primary concern at the moment#trafalgar law#trafalgar water d law#law one piece#dressrosa#rosinante corazon#donquixote corazon#donquixote rosinante#one piece#whenever i hear that somebody has a fricked-up backstory in OP i always expect it to be like. fantasy tragedy#dragons ate their parents or something#but then they jumpscare me with stuff that unfortunately could/does happen#like oh yeah. government facilitated generational lead poisoning because it's more convenient to exponentially shorten the lifespans of -#- multiple generations than take a cut in your highly profitable lead-based business endeavors#honestly im 700 episodes into the show and a still go “haha this is the silly pirate show how bad could their backstory be”#and then the bear trap that catches chumps like me goes off. some day I'll learn my lesson maybe
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[T]he Dutch Republic, like its successor the Kingdom of the Netherlands, [...] throughout the early modern period had an advanced maritime [trading, exports] and (financial) service [banking, insurance] sector. Moreover, Dutch involvement in Atlantic slavery stretched over two and a half centuries. [...] Carefully estimating the scope of all the activities involved in moving, processing and retailing the goods derived from the forced labour performed by the enslaved in the Atlantic world [...] [shows] more clearly in what ways the gains from slavery percolated through the Dutch economy. [...] [This web] connected them [...] to the enslaved in Suriname and other Dutch colonies, as well as in non-Dutch colonies such as Saint Domingue [Haiti], which was one of the main suppliers of slave-produced goods to the Dutch economy until the enslaved revolted in 1791 and brought an end to the trade. [...] A significant part of the eighteenth-century Dutch elite was actively engaged in financing, insuring, organising and enabling the slave system, and drew much wealth from it. [...] [A] staggering 19% (expressed in value) of the Dutch Republic's trade in 1770 consisted of Atlantic slave-produced goods such as sugar, coffee, or indigo [...].
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One point that deserves considerable emphasis is that [this slave-based Dutch wealth] [...] did not just depend on the increasing output of the Dutch Atlantic slave colonies. By 1770, the Dutch imported over fl.8 million worth of sugar and coffee from French ports. [...] [T]hese [...] routes successfully linked the Dutch trade sector to the massive expansion of slavery in Saint Domingue [the French colony of Haiti], which continued until the early 1790s when the revolution of the enslaved on the French part of that island ended slavery.
Before that time, Dutch sugar mills processed tens of millions of pounds of sugar from the French Caribbean, which were then exported over the Rhine and through the Sound to the German and Eastern European ‘slavery hinterlands’.
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Coffee and indigo flowed through the Dutch Republic via the same trans-imperial routes, while the Dutch also imported tobacco produced by slaves in the British colonies, [and] gold and tobacco produced [by slaves] in Brazil [...]. The value of all the different components of slave-based trade combined amounted to a sum of fl.57.3 million, more than 23% of all the Dutch trade in 1770. [...] However, trade statistics alone cannot answer the question about the weight of this sector within the economy. [...] 1770 was a peak year for the issuing of new plantation loans [...] [T]he main processing industry that was fully based on slave-produced goods was the Holland-based sugar industry [...]. It has been estimated that in 1770 Amsterdam alone housed 110 refineries, out of a total of 150 refineries in the province of Holland. These processed approximately 50 million pounds of raw sugar per year, employing over 4,000 workers. [...] [I]n the four decades from 1738 to 1779, the slave-based contribution to GDP alone grew by fl.20.5 million, thus contributing almost 40% of all growth generated in the economy of Holland in this period. [...]
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These [slave-based Dutch commodity] chains ran from [the plantation itself, through maritime trade, through commodity processing sites like sugar refineries, through export of these goods] [...] and from there to European metropoles and hinterlands that in the eighteenth century became mass consumers of slave-produced goods such as sugar and coffee. These chains tied the Dutch economy to slave-based production in Suriname and other Dutch colonies, but also to the plantation complexes of other European powers, most crucially the French in Saint Domingue [Haiti], as the Dutch became major importers and processers of French coffee and sugar that they then redistributed to Northern and Central Europe. [...]
The explosive growth of production on slave plantations in the Dutch Guianas, combined with the international boom in coffee and sugar consumption, ensured that consistently high proportions (19% in 1770) of commodities entering and exiting Dutch harbors were produced on Atlantic slave plantations. [...] The Dutch economy profited from this Atlantic boom both as direct supplier of slave-produced goods [from slave plantations in the Dutch Guianas, from Dutch processing of sugar from slave plantations in French Haiti] and as intermediary [physically exporting sugar and coffee] between the Atlantic slave complexes of other European powers and the Northern and Central European hinterland.
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Text above by: Pepijn Brandon and Ulbe Bosma. "Slavery and the Dutch economy, 1750-1800". Slavery & Abolition Volume 42, Issue 1. 2021. [Text within brackets added by me for clarity. Bold emphasis and some paragraph breaks/contractions added by me. Presented here for commentary, teaching, criticism purposes.]
#abolition#these authors lead by pointing out there is general lack of discussion on which metrics or data to use to demonstrate#extent of slaverys contribution to dutch metropolitan wealth when compared to extensive research#on how british slavery profits established infrastructure textiles banking and industrialisation at home domestically in england#so that rather than only considering direct blatant dutch slavery in guiana caribbean etc must also look at metropolitan business in europe#in this same issue another similar article looks at specifically dutch exporting of slave based coffee#and the previously unheralded importance of the dutch export businesses to establishing coffee mass consumption in europe#via shipment to germany#which ties the expansion of french haiti slavery to dutch businesses acting as intermediary by popularizing coffee in europe#which invokes the concept mentioned here as slavery hinterlands#and this just atlantic lets not forget dutch wealth from east india company and cinnamon and srilanka etc#and then in following decades the immense dutch wealth and power in java#tidalectics#caribbean#archipelagic thinking#carceral geography#ecologies#intimacies of four continents#indigenous#sacrifice zones#slavery hinterlands#european coffee
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I am so beyond ready to quit this job. Wednesday cannot come fast enough.
#to be fair it's bc school starts again in a few weeks#but idk. every day at this office feels like sandpaper on my skin. people always ask me shit i dont understand#and every case is so individual there's no set checklist to follow to troubleshoot#so most of the time I just grind my gears and get stuck#it'd busy more days than not.#and it was advertised to me as data entry only. client interactions was not what i signed up for.#it's all client interaction.#we're short staffed so nobody gets to take the back office and have a break.#when we weren't short staffed i was the new guy and only got 1 day in the back a week while everyone else got 2.#all my coworkers are conservative but talk like they're apolitical.#i thought it'd be fulfilling bc im helping people get benefits#but many are rude or impatient as any other service job. I'm constantly trying to direct people that don't want to listen#or explain the intricacies of something i barely understand.#and i don't want to lead people astray bc you have to start over if you blow a deadline.#but there's just nothing redeeming that i enjoy.#i hate customer service. i hate constantly asking questions. i like seldom few of my coworkers.#i can't be me at work.#and i don't care about the work itself anymore.#this job made me cry every day for weeks last month from sheer stress and overstimulation.#i almost cried myself sick several times.#the only reason I'm not there anymore is bc i dont fucking care anymore.#it took me 2 months to burn out. 2 months!#i was training for half of that!!#idk. everyone decided i was smart and could pick it up quickly so. even though everyone else got 4-6 weeks of shadowing#you can make do with 3 before you start doing stuff solo.#which feels unfair. i wasn't ready for it. and i resent the decision quite a bit.#plus it's been a nightmare for me in terms of external stressors and my generally deteriorating mental health. so.#all in all. i hate it here.#and i can't wait to turn in my notice so i can gtfo in 2 weeks#i am so tired. free me. let me go back to my music please
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Guys it's so over. Levan got translated into Raverne which sounds like Ravens and a group of Ravens is an unkindness. We are so doomed.
#lilia vanrouge#oh fuck#also I got general lilia in a single pull which has never happened before but damn i never saw this coming#i was ready to choose summer Lilia but the game had different plans for me#anyway#you ARE the father#I didn't say his name but you thought of it too#twst#twst chapter 7 spoilers#i saw the 2 feathers and the mirror yelled but like...sr yelling and then the coffin had the designs and turned green and i woke up so fast#i am also shamefully behind in the story I lead a very busy life
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Sales Automation: Streamlining Processes for Efficient Lead Generation
Article by Jonathan Bomser | CEO | AccountSend.com
In today's lightning-paced business ecosystem, the beacon of Sales Automation shines brighter than ever as a transformative force propelling lead generation into a realm of unprecedented efficiency and success. This voyage takes us through seven pivotal strategies that harness the true potential of Sales Automation, ensuring that you harness its power to revolutionize your lead generation journey.
DOWNLOAD THE SALES AUTOMATION INFOGRAPHIC HERE
Implement a Customer Relationship Management (CRM) System
Imagine a command center at your fingertips that orchestrates your lead interactions with finesse. This is where the Customer Relationship Management (CRM) System, the linchpin of Sales Automation, comes into play. This technological marvel enables you to seamlessly centralize customer data, track interactions, and automate tasks with precision. Picture the possibilities as your sales team focuses on nurturing connections that drive conversions.
Utilize Marketing Automation Tools
Bid farewell to labor-intensive marketing efforts as Sales Automation brings forth the magic of marketing automation tools. These remarkable instruments streamline repetitive marketing tasks, from orchestrating email campaigns to nurturing leads and scheduling social media content. By crafting strategic workflows and triggers, you hold the power to deliver tailor-made messages that resonate with your prospects. The outcome? Engagement and conversion rates that soar to new heights.
Qualify Leads with Lead Scoring
In the labyrinth of potential leads, imagine having a compass that guides you to the most promising ones. Enter lead scoring, a beacon of clarity amidst the complexity. Through meticulous criteria encompassing demographic data, engagement metrics, and behavioral patterns, lead scoring empowers your sales team to prioritize leads ripe for conversion. This orchestration of efficiency elevates your conversion rates while maximizing your team's efforts.
Streamline Sales Processes with Workflow Automation
Embrace the liberation from manual, time-consuming sales processes through the elegance of workflow automation. Bid adieu to the mundane tasks of follow-ups, appointment scheduling, and proposal generation. Workflow automation transforms these into seamless symphonies, gifting your sales team precious time. This temporal freedom translates into a focus on nurturing relationships, cultivating an environment primed for deal closure.
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Integrate Sales and Marketing Efforts
The synergy of sales and marketing isn't a mere concept; it's a dynamic strategy made tangible by Sales Automation. Witness the convergence of these vital forces as silos dissolve, and a harmonious collaboration emerges. Valuable insights flow seamlessly, lead progress is tracked cohesively, and communication flourishes throughout the sales cycle. The result? A seamless alliance that fuels conversions and magnifies results.
Implement Chatbots and AI-powered Assistants
In an era where responsiveness defines success, envision AI-powered chatbots as your digital allies. These innovative assistants redefine customer support and engagement by handling routine inquiries, offering instant responses, and even assisting in lead qualification. The outcome? Your team is unburdened, channeling their expertise into intricate tasks that propel your business forward.
Continuously Analyze and Optimize
Success isn't a static destination; it's an evolving journey. Data analysis becomes your compass in the realm of Sales Automation. Regularly delve into the wealth of insights harvested by your automation tools. Decode lead behavior, unravel conversion rates, and unveil sales performance intricacies. Armed with these insights, fine-tune your lead generation strategies, refine processes, and unearth optimization opportunities.
In essence, Sales Automation stands as the cornerstone of lead generation efficiency. Through adopting a CRM system, harnessing marketing automation tools, embracing lead scoring, automating sales workflows, aligning sales and marketing endeavors, integrating AI-powered support, and ceaselessly optimizing strategies, you can reshape your lead generation narrative. Embrace Sales Automation as the lifeblood of your sales strategy, and witness your lead generation expedition thrive with newfound efficiency and efficacy. The time has come to seize Sales Automation and redefine your lead generation journey.
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Behind F1's Velvet Curtain
This article by Kate Wagner on her INEOS sponsored trip to the Austin GP at COTA last year was commissioned by Road and Track magazine and then taken down. Presumably because Kate has was pretty staunch in her opinions about what was essentially a paid trip.
It is exactly the kind of thing I have wanted to read about the felt experience of the money business of F1. It doesn't get into technicalities and does not produce any spreadsheets for reference. It's just, her experience of the presence of wealth in the sport.
She starts off by talking about how she has been covering cycling and NASCAR for a while now and both of those, in comparison, are scrappier sports with smaller sponsors and cheaper tickets.
What I also especially loved was how fascinated she was with the cars themselves, and how they seem like a true marvel of human engineering. She almost described the cars like these alien beasts that came into this dimension out of nowhere and were being constantly monitored and dueled with to furnish wins and glory (and shareholder value for sponsors).
I think I always had an understanding of the weird myth making surrounding F1 and the kind of media attention it attracts, but someone like Kate (who I have loved reading for a while now) putting it into perspective really made it click for me. This sport thrives off of the kind of cocoon it has built around it and understands exactly the certain exclusiveness it needs to maintain to keep the story alive.
Anyway, give it a read, especially because Road and Track is trying to bury it to not piss off sponsors.
#I think matt oxley was talking about how motogp has been struggling with money and hence dorna is trying to woo the American market#and the american tech sponsors#but bikes don't require as much data driven performance engineering as f1 cars do#Ducati is probably leading the operation in this regard because they have audi behind them#anyway I knew motogp does not produce the same level of wealth but I still decided to check numbers#Marc's net worth is $25Mn and he is arguably the best driver of his generation with enough sponsors behind him#Max's net worth in comparison is $165Mn easily over 6 times that of Marc#Vale's net worth is $200Mn but he is still somewhat of an outlier because his popularity far outweighs that of motogp itself#Lewis is still around $300Mn and he hasn't even retired yet#Schumacher was around $800Mn#I know net worth is a very stupid number to consider but driver net worth is an easy way to translate impact ig#the current Max to Mercedes rumours caused Merc valuation to rise by $11Bn#Billion! 11 of them!#honestly I frequently get desensitized to money just purely as a number because I am exposed to businesses with large valuations but#I still wanted a moment to reconsider how much money rides on this sport#and how that ties to how rich people function#just made me remember that Ocon is the last driver from a working class background#Fernando and Lewis are the only other with working class beginnings and both of them are over 35 and ridiculously talented#its not a sport for regular people to break into#Vale also started with karts and had to shift to bikes#anyway I love Kate Wagner please read this#and talk to me about money and F1#Kate wagner#f1#formula 1#road and track magazine#lewis hamiton#mercedes amg petronas f1 team#Mercedes#INEOS
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Optimize Your Google Business Profile for Local SEO
DONATE [Complete Your Profile?] The first step in optimizing your Google Business Profile, is to make sure every section is filled out completely. This includes your business name, location, phone number, website, hours of operation, and a detailed description of your services. Google favors comprehensive profiles, so don’t leave any blanks. {Use Accurate Keywords} Incorporate relevant…
#biz#Business#digital-marketing#google local service ads#google map listings#google search#how google map works#internet biz leads#lead generation#local business#local-seo#marketing#search engine optimization#seo#small business
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So far, I've only been given TWO reasons to watch ATLA's Live-Action series:
The diary scene with Zuko and Aang and see another adaptation of the episode "Blue Spirit" (basically see the adaptation of the interactions between Aang and Zuko)
In the dubbing cast for LATAM are Emilio Treviño and Óscar Flores (I love the work of these dubbing actors)
#Generally... I either see things on the first day to form my own criteria or I wait for the hype to go down to see it more calmly...#I didn't see him the first day because I was busy and didn't feel like seeing him...#But I don't know if I can wait for the hype to die down and forget about the opinions about the series I've been reading...#Only because I'm quite nerdy about listening to the Spanish dub...#Knowing that two voice actors who I adore how they work gave their voices in the series...#And that it is the first leading role of a new dubbing actor who is just having a career...#I would like to hear how he handles his role with his voice...#Although I'm going to feel strange for not hearing the Chilean accent that the animated series had...
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"We Have Solutions" Enhance your business growth with our customized B2B contact databases. Connect with the right companies in various industries to achieve success. 1. All our data are 100% Human Verified. 2. We verify our data in every 90 days. 3. You will receive FREE SAMPLES to check our data accuracy. 4. Countries we cover - USA, CANADA, EUROPE, UK, AUS, NZ, MENA, LATAM, ASIA & More. If you need any assistance feel free to DM or drop mail to [email protected] (or) [email protected]
#b2b#b2bmarketing#b2b lead generation#b2bsales#database marketing#digital marketing#emailmarketing#market research#market analysis#sales#business#internet marketing
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phalloplasty save me
phalloplasty
save me phalloplasty
#i want bottom surgery not to cure dysphoria but becuase i think it will make wanking easier. and also dysphoria#dysphoria Has given me a ‘whatever’s going on down there is none of my business’ which has lead to um. well.#i’m an adult who doesn’t Really know how to masturbate properly. not the normal way at least. my hand gets tired way before i start feeling#not even close. just good in general. vibe doesn’t work either.#so yeah. phalloplasty. save me.#chitchat
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Boost Your Outreach with the Best Cold Email Automation Tool in the USA
In today’s competitive business landscape, effective communication is key to building relationships and driving sales. One powerful method for achieving this is through cold email automation. By leveraging advanced tools, businesses can streamline their outreach efforts, save time, and improve response rates.
Why Cold Email Automation?
Cold email automation is essential for scaling outreach efforts. Instead of manually sending emails to prospects, automation tools handle this task efficiently, allowing you to focus on crafting compelling messages and targeting the right audience. This not only boosts productivity but also ensures that your emails reach a wider audience.
Choosing the Best Cold Email Automation Tool
When selecting a cold email automation tool in the USA, consider the following features:
User-Friendly Interface: The tool should be easy to use, with a clear dashboard and intuitive features.
Customization Options: Look for tools that allow you to personalize your emails, which is crucial for engagement.
Analytics and Reporting: Comprehensive analytics help you track open rates, click-through rates, and responses, enabling you to refine your strategy.
Integration Capabilities: Ensure the tool can integrate with your existing CRM and other marketing platforms.
Best SMTP for Cold Email
To maximize the effectiveness of your cold email campaigns, it’s crucial to use the best SMTP (Simple Mail Transfer Protocol) for cold email. A reliable SMTP service ensures your emails are delivered promptly and securely, reducing the risk of your messages ending up in spam folders. This enhances deliverability and ensures your outreach efforts are not wasted.
Benefits of Using an Email Marketing Platform
An email marketing platform that includes cold email automation and the best SMTP for cold email provides several benefits:
Efficiency: Automate repetitive tasks and manage large-scale email campaigns with ease.
Personalization: Tailor your messages to individual recipients, increasing the likelihood of engagement.
Scalability: Handle a growing list of contacts without compromising on quality or performance.
Conclusion
In conclusion, boosting your outreach with the best cold email automation tool in the USA is a smart strategy for any business looking to expand its reach and drive sales. By leveraging the right tools, including a reliable SMTP service and a comprehensive email marketing platform, you can enhance your email campaigns and achieve better results. Start automating your cold emails today and watch your outreach efforts soar.
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VA Mortgage Transfer: Understanding the Process and Benefits
Transferring a VA mortgage can be a significant decision for both veterans and active service members. Whether you are moving to a new home or seeking better loan terms, understanding the VA mortgage transfer process can help you make informed choices. At Thelivelead, we aim to provide you with all the necessary information to navigate this process smoothly.
What is a VA Mortgage Transfer?
A VA mortgage transfer, also known as a VA loan assumption, allows a borrower to transfer their existing VA home loan to another eligible veteran or service member. This process can be beneficial for both the current homeowner and the new borrower. The original borrower is relieved of the mortgage obligation, while the new borrower benefits from the favorable terms of the existing VA loan.
Benefits of a VA Mortgage Transfer
1. No Down Payment for the New Borrower
One of the primary advantages of a VA loan assumption is that the new borrower can take over the loan without needing to make a down payment. This benefit makes homeownership more accessible for veterans and active-duty service members who may not have significant savings.
2. Lower Interest Rates
VA loans often come with lower interest rates compared to conventional mortgages. By assuming an existing VA loan, the new borrower can potentially secure a lower rate than what is currently available in the market, leading to significant savings over the life of the loan.
3. Simplified Qualification Process
The qualification process for a VA loan assumption can be less stringent than applying for a new mortgage. The new borrower may find it easier to qualify based on the original loan's terms and conditions, which can expedite the home-buying process.
4. Avoiding Closing Costs
In many cases, the closing costs associated with assuming a VA loan are lower than those for obtaining a new mortgage. This reduction in costs can make the transaction more affordable for the new borrower.
The VA Mortgage Transfer Process
1. Determine Eligibility
Before proceeding with a VA mortgage transfer, it's essential to determine if the new borrower is eligible for a VA loan. Eligibility is typically extended to veterans, active-duty service members, and certain members of the National Guard and Reserves. The new borrower must also obtain a Certificate of Eligibility (COE) from the Department of Veterans Affairs.
2. Contact the Lender
The current homeowner should contact their lender to discuss the possibility of a VA loan assumption. The lender will provide information on the specific requirements and documents needed for the process. It is crucial to ensure that the lender approves the assumption before proceeding.
3. Submit Required Documentation
The new borrower will need to submit various documents to the lender, including proof of income, credit history, and the COE. The lender will review these documents to assess the new borrower's ability to assume the loan.
4. Credit and Income Verification
The lender will perform a credit and income verification to ensure that the new borrower can meet the loan's obligations. This step is essential to protect both the lender and the borrower from potential financial difficulties.
5. Assumption Agreement
Once the lender approves the assumption, an assumption agreement is drafted. This legal document outlines the terms and conditions of the loan transfer. Both the current homeowner and the new borrower must sign this agreement to finalize the process.
6. Transfer of Property Title
The final step in the VA mortgage transfer process is the transfer of the property title. This step ensures that the new borrower becomes the legal owner of the property and is responsible for the mortgage payments moving forward.
Important Considerations
1. Remaining Entitlement
When a VA loan is assumed, the original borrower's VA loan entitlement may remain tied to the property unless the new borrower is a veteran and substitutes their entitlement. This situation can impact the original borrower's ability to obtain another VA loan in the future.
2. Due-on-Sale Clause
Some VA loans include a due-on-sale clause, which means the loan must be paid in full if the property is sold or transferred. It's crucial to review the original loan agreement and consult with the lender to understand any potential implications.
3. Negotiating Terms
The terms of the VA loan assumption, such as the interest rate and loan duration, may be negotiable. It's advisable for both parties to discuss and agree on these terms to ensure a mutually beneficial arrangement.
Conclusion
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year six of being salty that around halfway through RoS the writers went 'shit we accidentally wrote five way too sympathetic and reasonable, and he is rapidly going through a redemption arc. quick shove in random serial killer shit out of nowhere without explanation, which completely contradicts his character and its development up til then. wait fuck he's redemption arcing EVEN HARDER in FoT. shit shit shit okay just make him hannibal lecter'
#lorien legacies#LL number five#LL crit tag#the crit files#five hurting people is something he consistently has to work himself up toward by turning them into an Object of Hatred#and/or having someone else encourage him to do so#because hurting people /fucks him up/ even when he hates them#and after that has hit its breaking point of emotional intensity he just. stops wanting to hurt them#wants to help them or at least for them to be alright in fact; even when they've treated him horrifically#and when that breaking point results in doing irreversible harm he regrets it SO MUCH#he has to spend a month dissociating and keeping himself busy every waking hour not to break the fuck down over what he did to ethan#and he DOES break the fuck down over killing eight#like even if he thought well of eight in particular by comparison he's been stoked up to hate the other garde in general#which leads pretty quickly to regret and total lack of malice toward the garde after the showdown in florida#he is completely broken over it#even /nine/ he loses 'i want this person hurt' animosity toward after florida. in fact animosity at all that we see after that initial#monologue over eight's body; where he's having his big moment of realizing he has more hatesinking to regret than just hurting eight#and he doesn't say he wants nine to suffer. he just says it wasn't worth helping him because he thinks he'd just throw it away#the only time we see him kill someone and not seem too fucked up about it is when it's a mog soldier who presumably knew what he was#signing up for; and was literally swinging a sword at five's head#five fucks me up because at heart he just does not have real malice in him. if he is feeling it something has gone terribly wrong#not as in ~lol of course it has he's crazy~ but as in 'if you supposedly feel fine but are under so much stress that you're having constant#shakes and heart palpitations that is not your default state of being; you are being bent in half and you're eating yourself'#so them randomly going uhmmm ACTUALLY he's a BLOODTHIRSTY SADISTIC SERIAL KILLER who carves his number into a rando's chest#for no reason; and lets people regenerate rather than kill them so he can savor hacking them apart over and over; and drools over murdering#as many people as he can including two random mog guards that happened to be in him and ella's way is like. fuck off lmao#even if you try to go with him turning the mogs into a hatesink for what they've done he would go into a breakdown spiral as soon as it#resulted in killing someone and actually seeing them suffer. the other exception to this that we see before the character assassination#started was deltoch but i do feel like there's an explanation there; it doesn't feel Jarring; but will have to think about it#anyway five has some great moments in UaO but it's really frustrating trying to pick through the bullshit for Actual Characterization
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