#Businesses offering public services

[cottagecore-raccoon]

Love when people think they’re a champion of the people for chewing out an underpaid part time library worker over a policy we have no control over

[vampmilf]

.

[supercantaloupe]

i had a meeting to discuss the grad fellowship job and while it was overwhelmingly positive and both myself and the professor/faculty are happy and excited for me to take the job my stupid fucking brain can't stop turning over the one (1) slightly negative comment i got regarding my candidacy/qualification like shawarma

[vivekbsworld]

Your Comprehensive Guide to Car Hire Services in Calicut

alicut, also known as Kozhikode, is a city steeped in history and natural beauty, making it a popular destination for travelers exploring Kerala. Whether you’re visiting for business, leisure, or to delve into the rich cultural heritage of the Malabar region, having access to a reliable car hire service can greatly enhance your experience. This guide will walk you through everything you need to know about car hire services in Calicut, ensuring you make the most of your visit.

Advantages of Car Hire in Calicut

Renting a car in Calicut offers numerous benefits:

Flexibility: Enjoy the freedom to explore Calicut and its surrounding areas at your own pace, without relying on public transportation schedules.

Convenience: Easily access attractions, markets, and restaurants that may not be easily reachable by other means of transport.

Comfort: Travel in comfort with the convenience of having your own vehicle, especially useful for families or groups.

Exploration: Discover off-the-beaten-path destinations and scenic routes that may not be covered by tour packages.

Top Car Hire Services in Calicut

Here are some reputable car hire services in Calicut to consider:

Savaari Car Rentals: Offers a wide range of vehicles including economy cars, sedans, SUVs, and luxury cars. They provide both local and outstation travel options with competitive pricing.

Zoomcar: Known for its self-drive car rental services, Zoomcar provides flexibility with a variety of vehicles from hatchbacks to SUVs. Ideal for independent travelers looking to explore Calicut on their own terms.

Myles Cars: Provides both self-drive and chauffeur-driven car rental options with a diverse fleet that caters to different budgets and preferences. They offer convenient booking options and reliable service.

Avis India: Specializes in premium car rentals with a focus on comfort and style. Avis offers a range of cars including luxury sedans and SUVs, perfect for business travelers or those seeking a touch of elegance.

Carzonrent: Offers dependable car hire services with a variety of car models available for short-term and long-term rentals. They ensure customer satisfaction with competitive rates and flexible rental plans.

How to Choose the Right Car Hire Service

Vehicle Selection: Consider the size of your travel group and the type of terrain you plan to cover. Choose a car that suits your comfort and luggage requirements.

Rental Terms: Review the terms and conditions carefully, including insurance coverage, mileage limits, and any additional fees or charges.

Booking Process: Book your rental car in advance to secure availability, especially during peak travel seasons or for specific vehicle models.

Conclusion

Renting a car in Calicut provides the freedom and flexibility to explore this captivating city and its scenic surroundings at your own pace. Whether you’re visiting historical sites, enjoying local cuisine, or simply soaking in the coastal beauty, having a rental car ensures you maximize your time and make lasting memories.

Call to Action

Ready to embark on a memorable journey through Calicut? Explore the car hire options mentioned above and book your ideal vehicle today to start your Kerala adventure with convenience and comfort.

[beloveds-embrace]

(Poly 141 x farmer reader: John gets dishonorably discharged, and finds a new purpose in accepting your farm job advertisement, and the rest of the taskforce task force slowly mould themselves into your life

This was inspired by @devil-in-hiding’s wonderful, amazing On the Run series! Make sure to send her and the fic so, so much love! 💕💞💕 truthfully, this isn’t much and it definitely didn’t turn out the way I hoped it would, but I still hope it’ll be enjoyable <33)

The creak of old wood and the faint hum of bees in the garden welcomed John as he stepped onto the porch of the small farmhouse. His boots, scuffed and caked with dried mud, felt heavier than ever, broad shoulders sagging under the invisible weight he carried. The sharp scent of freshly tilled earth and blooming wildflowers should have been a comfort, but John barely noticed it among all the thoughts swirling within his head.

It had been weeks since the dishonorable discharge (as if he’d ever leave his own men behind. As if.) , weeks of wandering aimlessly, a hollow shell of himself. The military had been his life, his purpose, and to be stripped of it so publicly left him untethered. The scars he’d accumulated over decades of service seemed trivial compared to this- the one wound he couldn’t bandage, couldn't let heal so it could turn to a forgotten scab.

The farm job advertisement he’d found on the bulletin board of a dingy diner while aimlessly driving had been a last-ditch effort. He needed something- anything- to keep his hands busy and his mind from spiraling.

And now here he was, standing at your door.

When you answered, he was struck silent for a moment. You weren’t what he had expected. A soft curve of a smile greeted him, paired with eyes that seemed to hold the warmth of the sun itself. Your frame was wrapped in a well-worn but clean dress, your body curvy and full in a way that instantly set you apart from the wiry, hardened edges of his old world. There was something disarming about the way you stood there, your hands dusted with flour, your hair slightly mussed from whatever you’d been working on before he arrived.

You were what he’d worked so hard to protect. To keep from seeing the horrors that were kept hidden from the larger public.

“You must be John Price,” you said, your voice soft but firm, like the lull of rain against a tin roof. You offered him a hand, strong but gentle, calloused with years of hardwork. “I’m glad you came. I’ve been needing some help around here.”

John nodded stiffly, his voice rasping from disuse. “Happy to help.” He said simply, though the words felt foreign in his mouth.

You studied him for a moment, taking in the set of his jaw and the way his blue eyes seemed darker than they should have been. You didn’t press, didn’t ask why he was here or what had brought him to your quiet corner of the world. Instead, you gestured for him to follow you as you began pointing out the work that needed doing.

The farm was modest but well-kept, with rolling fields of golden wheat and neat rows of vegetables that hinted at how hard you worked to keep everything running. Your tone shifted as you explained things, clear and confident as you outlined his responsibilities- though you had those written in the ad as well, and so he knew what to expect. There was no hesitation in the way you moved, and John found himself admiring the way your body seemed made for this life- strong and soft, with a natural grace that made him feel clumsy in comparison. A foreign feeling to him.

The work was grueling, but John threw himself into it with a determination that surprised even him. Fences were mended, fields were tilled, and hay was hauled, the strain in his muscles a welcome distraction from the heaviness in his chest, the daily routine providing a purpose he’d been searching for. You worked alongside him every day, your hands as dirty as his by the end of it. You didn’t shy away from the harder tasks, your body bending and lifting with an ease that left him stealing glances when you weren’t looking.

It didn’t take long for you to notice the cracks in him, though. The way his eyes seemed haunted in the quieter moments, or how he would pause, his hands clenching into fists as if fighting off a memory. He wasn’t sleeping well- you could tell by the dark circles under his eyes and the way he moved in the mornings, sluggish and stiff, gratefully accepting the tea you’d make. He wouldn’t talk about it, but you saw the weight he carried, and it broke something in you.

You began helping him in your own quiet way. A warm, full plate of food at the end of a long day, a soft blanket folded neatly on the porch swing when you knew he’d sit there at night. You didn’t pry, but you’d offer him small comforts, like the way you’d linger for a moment longer when handing him a glass of water, letting your fingers brush his.

“You’re doing good work here, John,” you told him one evening as you set a plate of stew in front of him. Your voice was gentle, though it left no room for argument. “Thank you. I’m glad it was you who came by.”

He grunted in response, but the faintest smile tugged at the corner of his lips. He appreciated your kindness, though he didn’t know how to express it. He couldn’t shake the way you made him feel- not just useful, but seen.

The first visitor arrived a few weeks later, just as you were finishing up the morning chores. Simon- whom John introduced as Ghost, military callsigns were strange to you- was as imposing as his name suggested, his tall frame and masked face almost startling you when you turned the corner of the barn.

“Didn’t mean to scare you,” he said, low and gravelly. His dark eyes studied you carefully, as if trying to assess whether you were friend or foe. “Heard John was here. Wanted to check on him.”

Simon stayed, though he didn’t say why and you didn’t ask. At first, it seemed like he was just there to make sure John was alright, but soon enough, he was pitching in, fixing broken tools and hauling heavy loads with an ease that belied his quiet nature. He was efficient and methodical, and your german shepherd dog, Riley, adored him from the get-go.

You noticed the way he watched you, his gaze lingering when you didn’t think he’d notice. Simon had a way of positioning himself near you, as if he could ward off any harm just by being close. He’d take over heavy tasks without you asking, broad shoulders and strong hands making easy work of things that left you breathless when John was busy doing something else.

The rain brought Kyle “Gaz” Garrick to your doorstep after Simon, his clothes soaked through and his face muted with exhaustion. He knocked once, and when you opened the door, his lopsided grin and the sparkle in his brown eyes immediately disarmed you.

“You must be the saint putting up with Price,” he’d joked, though his voice was warm as you fluttered and flitted about to bring him some towels, warm food and a chance to warm up. “Mind if I dry off before I drown?”

Kyle brought a lightness to the farm that you hadn’t even known had been missing, his laughter and teasing filling the air like birdsong. He quickly took to the work, his lean frame surprisingly strong as he helped with everything from repairing the chicken coop to plowing the fields. But you caught the way his eyes softened whenever he looked at you, his smile lingering when you were near, and especially bright whenever you’d poke back at him.

“You sure you’re not too soft for this kind of work, Garrick?” you teased after he groaned about the weight of a hay bale, hands on your hips.

“Soft?” he shot back, flexing an arm, and then he winked at you. “These are prime muscles, love. And don’t think I haven’t noticed how you keep sneakin’ looks.”

You rolled your eyes, but your cheeks warmed at the accusation, and Kyle smirked.

Johnny “Soap” MacTavish arrived with the same energy as a summer storm, his laughter echoing through the fields before you even saw him. “Hope you’ve got room for one more!” he declared, his broad grin making you smile despite yourself.

Johnny was impossible to ignore, his enthusiasm infectious. He worked tirelessly, his hands calloused but gentle as he helped. He had a way of making you laugh, his jokes and compliments leaving your cheeks warm more often than not.

He immediately took to helping you with the animals especially, affectionately naming every goat and chicken, and teasing you about how they seemed to follow you everywhere.

“It’s because they know a good soul when they see one.” he said one evening, brushing hay from your hair. His fingers lingered a second too long before he pulled back, and you pretended your smile wasn’t bashful and your heart wasn’t thudding faster than baby goats running to drink their milk bottles.

The four of them fell into an easy rhythm just like that, their camaraderie seamless, and you truly understood just how close of a unit they must have been.

But what you didn’t notice was the way they watched over you. Whether it was John stepping in to take a heavy load from your hands or Simon silently following you to make sure you were safe, they all seemed to share an unspoken agreement to protect you.

And then there was the way they looked at you- not just with admiration, but with something deeper. John admired the way you carried yourself, your curves soft yet strong, a quiet confidence in every step. Simon found himself drawn to your steadiness, your calm presence soothing the chaos in his mind. Kyle loved your kindness, the way you always seemed to know what they needed without asking. And Johnny? Johnny adored everything about you, from your laugh to the way your body moved with an effortless grace.

One evening, as the sun dipped below the horizon, you all sat on the porch, the scent of freshly cut hay hanging in the air.

“You’ve all been such a big help,” you said, your voice soft and happy as you looked at them, Riley curled near your feet. “I don’t know what I’d do without you.”

John’s eyes met Simon’s, and Kyle and Johnny exchanged a glance.

“We’re not going anywhere,” John said finally, his voice steady. “Not if you’ll have us.”

You smiled, a warmth spreading through your chest as you looked out at the fields.

You had… truly never expected your precious little farm to become such a sanctuary for others as it was for you, but you were glad. It meant you were doing something right.

Something very right, going by the way you caught them looking at you.

At first, you hadn’t thought much of it. You were used to glances- it came with being a little softer, a little curvier than most women. People always seemed to look a little longer than they needed to, whether out of judgment or admiration, though you’d long since stopped trying to figure out which.

But this? This was different.

John’s gaze lingered when he thought you wouldn’t notice, sharp blue eyes tracing the curve of your hips and the swell of your thighs as you bent to collect eggs or reached up to pull a stubborn weed. When your skirts brushed your legs in the breeze, you swore you saw his jaw tighten, the flicker of something restrained in his expression before he turned back to whatever task he’d assigned himself for the day.

Simon was harder to read, but not impossible. He was quiet, his eyes shadowed under the brim of his cap or the mask he still occasionally wore out of habit, but there was a weight to the way he watched you. He never let you out of his sight if he could help it, always a step behind you when you carried something too heavy, his broad frame so steady and reliable it made your breath catch sometimes. When your hands brushed- accidentally, at first- he didn’t pull away quickly like most men would. Instead, he lingered just long enough for you to notice, just long enough to make you wonder how it would feel to have his fingers dig into your softness.

Kyle was far less subtle. He flirted openly, grinning whenever he managed to make you blush, which was often. He’d find any excuse to compliment you- how strong you were, how beautiful your smile was, how lovely your hair looked in the sunlight. It was playful at first, but then came the moments when his teasing turned quiet, almost tender, like when he brushed dirt off your cheek or tucked a loose strand of hair behind your ear. His hands always hovered, careful but close enough to leave you wondering if he’d reach for you properly if you just gave him the smallest sign.

And Johnny? Johnny was a walking storm of affection. He wasn’t shy about how much he adored you. From the way he complimented your cooking- “I swear, love, you’re a magician in that kitchen”- to how he always seemed to find a reason to be near you, even when he wasn’t working. He’d lean against the doorframe, arms crossed and a crooked grin on his face as he watched you knead dough or arrange flowers in a vase. And then there were the touches- small, fleeting things, like his hand on the small of your back as he passed by or the way his fingers grazed yours when he handed you tools.

You’d been blind to it at first, convincing yourself it was just gratitude for the work, for the meals, for the home you’d offered them. But as the days stretched into weeks and their gazes grew heavier, their presence closer, it became harder and harder to ignore the truth.

They admired you.

Not just as a caretaker or a friend, but as something more- something deeper.

It was there in the way John’s voice softened when he spoke to you, the way Simon’s posture shifted when anyone unfamiliar stepped onto the property, putting himself between you and whatever potential threat he saw. It was in the way Kyle’s jokes always seemed to circle back to how lovely you looked doing even the simplest things, and the way Johnny’s laughter died in his throat whenever you smiled at him just a little too long.

And the realization left you flustered- unsure of what to do with the warmth that bloomed in your chest whenever they lingered too close or brushed against you without meaning to.

They all cared for you, and in a way that went far beyond just gratitude.

The knowledge sent your heart racing whenever one of them looked at you like that- like you were something precious, something worth protecting. Like you were worth staying for.

And maybe- just maybe- you were ready to let them.

[whoreforsexymen]

The VIP Booth | Vander Smut Oneshot 🫗🤎

(Gif creds: me <3)

Pairings: Husband!Vander x Wife!Reader

Pronouns: Fem!Pronouns

Rating: NSFW, 18+, MDNI !! You WILL be blocked! 🤺

Word Count: 3.1k (whoops. got carried away with storybuilding)

Tags: Cunnilingus, Fingering, Face Fucking, Finger Sucking, Hair Pulling, Semi-Public Sexual Acts, Established Relationship, etc.

Summary: You coax your husband into eating you out in the only private area The Last Drop has to offer.

Notes: AAAA!! Idk if this idea is ANY GOOD but it came to me in a moment of delusion. The last bit was probably a little rushed, too. SORRYYYY. I’ll make it up to yall later.

Also, tell me I’m wrong when I say that Vander will go to any length to eat some pussy. Do it, cowards. I dare you. YOU KNOW JUST AS WELL AS I DO THAT THIS MAN WOULD HAPPILY DIE WITH HIS FACE IN BETWEEN A PAIR OF THIGHS.

Asks/Request fics are coming soon, as well as a few more special treats for y’all!! Enjoy, my lovelies, & stay tuned. 🤍

(I can see you, minors!! Get outta here 🤺🤺. BACK! BACK, I SAY!)

Inside the walls of The Last Drop, there was one booth unlike any other—a private, exclusive spot tucked away behind the bustling central room. It was a booth reserved for those willing to pay for top-tier service, offering a secluded escape from the usual chaos of the bar’s environment. But as co-owner of The Last Drop—and wife to the main owner—you didn’t need to fork out any cash to reserve it. Especially not on a night like this. No—tonight, luck was on your side. The booth had gone unclaimed by any paying customer.

Truthfully, the undeniably significant feature were its curtains. The enormous maroon tapestries that enveloped the entrance ensured complete privacy, shielding it from prying eyes. After all, that’s what made it the VIP booth—an oasis of solitude amidst the drunken chaos of the crowd.

With the booth left unreserved, its privacy ensuring a rare moment of seclusion, and the crowd blissfully distracted by their own drunken revelry, the opportunity was simply too perfect to pass up. You had concocted a devilish plan—one that had been simmering in your mind all night. It wasn’t just about messing with your husband—it was about messing around with him.

Your overwhelming desire for your husband was impossible to ignore on any given day, but tonight, it seemed even more intense—an insatiable hunger that gnawed at you, its cause elusive and beyond your comprehension. Whatever the reason, it gripped you with a force you couldn't obstruct, leaving you restless and consumed by pure unadulterated lust.

This, naturally, allowed your plan to unfold effortlessly, as if guided by an invisible hand, bringing it closer to fruition.

To carry out your devious plan, you had carefully cultivated the trust of one of the few individuals who worked for you and Vander. They weren’t exactly employees in the traditional sense, but rather a handful of people you kept on the fringes, offering a few coins in exchange for their occasional assistance. Their loyalty was fleeting, bought with small tokens, but it was enough to serve your purpose. Especially in a moment such as this. A seemingly crucial one—at that.

You kept things vague, framing your request as though it were purely concerning a business discussion needing to be had. You asked your employee to discreetly inform your husband that someone was calling him from behind the velvet curtains of the VIP booth. You also made it clear that the employee should mirror your discretion, avoiding any mention of your name or your connection to him.

The employee appeared curious, even somewhat uneasy, at first. That was, however, prior to you slipping a generous cash bonus their way, eliciting their cooperation without room for protest.

"Go on, please," you plead with your unsuspecting employee, your voice laced with a blend of urgency and excitement. "But remember—don’t tell him it’s me."

As the employee slips into the bustling crowd, you struggle to contain the surge of excitement building within you, all while fighting to maintain a sultry—yet composed, demeanor. You adjust your hair, breasts, and clothing, making subtle moves to enhance your allure and mystery. Every gesture is deliberate, designed to keep you as collected and captivating as possible, cultivating an air of intrigue about you as you desperately await the arrival of your beloved husband.

They fulfilled your agreement as you waited—approaching their boss and informing him that someone had entered the VIP booth, insisting on speaking with him directly.

"VIP booth? Thought nobody booked it tonight," Vander remarks, raising an eyebrow and crossing his arms over his chest as he takes a moment to process the information. Normally, you were the one who handled the VIP booth, and he’d have gladly passed this task off to you—if the employee hadn’t mentioned that the VIP “customer” specifically requested Vander. Looks like he’d have to put on a more hospitable facade and give them what they wanted.

If only he knew just what this "customer" truly wanted from him.

After a series of grunts, groans, and huffs, Vander finally made his way to the booth. After forcing a welcoming smile onto his face, he slowly pushed aside the curtains.

"Sorry for the wait. You wanted to speak to the owner—"

His voice faltered, trailing off faster than it had taken him to summon the words.

You feel your own response threaten to catch in your throat, but you won’t cave. You abandon your nerves.

"Why yes, I did. Although..." you drawl, your tone laced with playful mischief, "...'speak' isn’t exactly at the top of the list of things I want to do to the owner."

Your sultry gaze locks onto his, deliciously teasing. Vander, already an imposing figure, looms even larger from your vantage point in the booth. Seated as you are, you find yourself craning your neck significantly just to meet his eyes, the angle only amplifying his commanding presence.

A slew of unidentifiable emotions cross his face in a mere flash before fading into a singularly—equally mischievous to yours—-expression.

“Well. Seein’ as how you are the VIP patron of the night, how can I oblige you?” He queries, his eyebrow raising once more.

Your heart stutters beneath your breast as his expression shifts, his eyes darkening with a lust-filled intensity that sends a shiver through you. The chemistry between you two never failing to baffle you.

"...Serve me," you murmur, your voice soft yet determined to keep the air thick with seduction.

"And what, if I may be so bold to ask, can I serve you with?" he inquires, his voice dipping low, the provocative edge in his gaze unwavering.

"Your body." you quip, your voice steady despite the flutter of nerves stirring in your gut, desperate to make it quiver.

Vander eyes you carefully for a moment, savoring the way your confidence wavers. He deliberately toys with the knowledge of how easily he can unsettle you, his gaze lingering as if relishing every flicker of hesitation you try to hide. A smirk slowly spreads across his mouth—the very one you ached for—his eyes glinting with an all-knowing, deviously sexy twinge. He nods softly, his hand rising to casually caress his beard as he watches you, the tension thick in the air.

“Mmhmm. I see," he murmurs, his tone laced with teasing amusement. "Who am I, if not a man willing to care for his loyal customers?" He phrases simply, the words carrying a heavy, unspoken promise before he moves, gracefully lowering himself to his knees across from you. There’s a moment of silence, the air thick with anticipation, before he slowly begins to push himself beneath the table that had kept you both apart.

You don’t dare look beneath the table, almost afraid to meet his gaze at this moment, unsure of what you might see on his face now that the situation has shifted. The tension coils tighter, each passing second amplifying the anticipation that overwhelmed your senses.

You practically jump at the brush of his shoulders against your shins as he crawls to them, the rush of anticipation making every nerve in your body jolt. The aching desperation pulling through you draws attention to your core as you feel his strong hands gently caress your legs, the heat of his touch settling on your knees, sending a shiver through you. The way your teeth begin to tug at your bottom lip seemed like the only way you could physically process your eagerness.

Vander remains silent, his hands moving deliberately in opposite directions, the gesture designed to spread your legs—yet he did so with enough force to split you down the middle if he hadn’t been careful enough. It isn’t until he successfully parts them that he speaks again.

“No bottoms? My. What a dirty girl you are, my dear customer. What if someone else had walked in here, hmm? Did you plan on flashing your bits to any bloke who popped his head in?” He teases, practically groaning some of his words, the guttural tone an unintentional yet instinctual reaction to the sight of you so bare—-so clearly prepared for whatever scenario it was you anticipated happening in this little corner of the establishment.

It was obvious to your husband, from the way you were reacting, that the possibility of him crawling under the table to bury his face between your thighs hadn’t even crossed your mind. The surprise and hesitation in your twitches and subtle movements told him everything he needed to know.

The distant, familiar chatter of real customers beyond the thin barrier tightened the knot in your stomach, throwing you into the reality of the moment. It became an unrelenting presence, grounding you in the tension that hung in the air. Meanwhile, the hot, damp breath of your husband seethed against the cold slickness seeping from your cunt, a stark contrast that deepened the unease coursing through you.

A shiver ran up your spine, your body trembling as nervous spasms raked through your bones when he edged even closer—his hair grazing your skin in that familiar way you knew so well. It wasn’t uncommon for your husband to spend most of his time down here, yet no matter how often it happened, the anxiety it stirred within you never waned.

You had an even harder time controlling how your body writhed as you felt the warmth of his tongue flush itself against your sopping heat. Your nails pressed into the soft wood of the table, digging in as you braced yourself, your body jerking. The spasms faltered for a moment, your body going rigid once he started violently lapping his tongue against your aching clit. The abrasing way his beard rubbed against the skin of your thighs sent you into a spiral.

You had expected him to fuck you directly on the table, to take you in the way you were used to—but instead, he toyed with you from beneath it, the unanticipated choice leaving you bewildered. You had been aching for what felt like ages, the desperation almost unbearable. It was a struggle to keep your mouth from parting—your head tilting back, eyes closing as your husband began to ease the tension that had gripped you for so long.

All you wanted was to whimper, to cry out for him, but you couldn’t—not with the patrons so close, just beyond the curtains. If he had only fucked you as you’d expected, he would’ve easily pressed a hand over your mouth to keep you quiet, as he had in similar situations before. But this time, you knew he had chosen this path deliberately, testing whether you could hold your composure.

It was his unspoken way of making you atone for the ploy you used to get him here. He was a patient lover, understanding that even though you had pulled him away from his work—which he didn’t mind as much as he let on—you were just too eager to be patient. Always attuned to your needs, he was more than willing to satisfy the cravings of his most cherished wife, finding joy in fulfilling your desires—no matter the time or place. The absence of his familiar presence behind the bar, and the slight potential for upsetting customers, felt like a small price to pay in exchange for the chance to fully indulge in you. To unravel and claim you in ways only he could.

His tongue was relentless. He sloppily sucked and licked at your needy clit, his nose rubbing against the mound of flesh above as he devoured you. His hands were as equally hungry as his mouth, and in need of something to grab. He manhandles your legs, draping them roughly over his shoulders, his fingers gripping at your plush thighs as he curls his arms around them. In doing so, he pulled you closer, your back slipping against the booth as he guided you down, drawing you nearer to him with a purposeful force. His cock was begging to be set free from its cloth prison as he sunk his tongue deep into the void of your cunt. The rhythmic, wet sounds became a melody more captivating than any song he'd ever heard, especially when paired with the soft mewls of you struggling to stay collected—and most importantly—silent.

You can both hear and feel his laugh against you, a deep, low chuckle that carries a mix of arousal and amusement, vibrating through you with every huff. He found the way he could make you squirm incredibly sexy, the reaction sparking a deep sense of pride within him. There was something about the ease with which he could unsettle you that thrilled him, and he took great satisfaction in knowing how little effort it took. He knew all too well that it only took something as simple as a certain look to have you coming undone—and right now, he was determined to make you come undone. All over his tongue.

Vander knows just how wild his fingers can make you on their own— yet especially so when paired with the mastery of his expertly quick and thoughtful tongue.

He wasted no time in combining the two, intent on making you crack under the pressure. While Vander didn’t particularly want to be caught by patrons, either—or, for that matter, by one of your employees—his desire to make you scream was always his top priority.

He grips your thighs with more gusto than before, continuing to pull them further apart in hopes of expanding his ‘workspace’. He releases one of them, the fingers of that hand moving to replace the tongue that was working its familiar magic inside you. He doesn’t give you so much as a single moment to collect your thoughts as he makes the exchange, effortlessly ramming and curling two up into your cunt as his tongue continues its prior attack on your clit.

You swore you were seeing stars behind your eyelids, your grip on the table faltering just like your efforts to stay in control. You couldn't even attempt to cover your mouth, not with the relentless—yet unintentional—way your hands found their way under the table, tangling in his hair and gripping with enough force to pull some strands loose.

You greedily buck your hips down to meet the thrusting of his digits, pulling his head as far into your cunt as possible. He doesn’t complain. He never would. Maybe it was his own type of preferred masochism, but he’d consider suffocating and perishing in between your legs in this way, a noble death.

Your toes ache from the force with which you’re curling them, your legs clutching and winding around his shoulders and neck like a python.

By now, you had abandoned all caution, hope, and effort to moan quietly. You were practically screaming over the deliciously knowing way he prodded his thick fingers into your cunt. He had long forgotten to move them in and out. He knew exactly what spot drove you mad, and he made his most conscious effort to curl them into it as rapidly and frequently as possible.

As much as Vander adored your cries, they were truly becoming far too loud. He really didn’t want any curious folks to come wandering in to spoil the moment when you were so close to your inevitable peak. He has no choice but to silence you. With the hand that remained on your other thigh, he removed it from its resting place, reaching up from beneath the table as he gazes up at you. With a smirk against your cunt, and his eyes studying how your head was still thrown back against the booth, eyes shut tighter than a steel trap—-he shoves two of his free fingers into your mouth. Your eyes shoot open. You look down at him, earning a wink from your husband as he smirks harder against your cunt. The eye contact was filthy, in the most erotic way possible. It always made you feel slightly awkward, in an oddly arousing way, when you made such a type of contact with him in the heat of a moment like this.

You willingly sucked on his fingers, now understanding the purpose for his actions after a thoughtful moment. He groans against your cunt, luckily the sound being muffled by how much his mouth was buried into it. Your tongue swirls itself rapaciously around the digits, drool falling from your mouth as you did so. Vander simply can’t tear his eyes away from such a sight. He groans more as you lower your own gaze, your expression deadly with seduction. He was almost pissy that both of his hands were occupied at the moment. He was anxious to palm at his cock, desperate to find friction of his own now.

His tongue and lips were still working their relentless job on your clit, suckling every few seconds amidst the slurping. The way his facial hair brushes against it every now and then almost sends you into hysterics—bordering on a full blown frenzy.

Your legs are quaking, twitching and spasming with every harsh lick to your clit. It was so sensitive, you couldn’t help how it shocked your nerves, causing them all to fire simultaneously. Electricity burned in your veins, desperate to chase your orgasm as it made your hips flick against his mouth faster than he could lap at you.

Your orgasm burrowed itself into the pit of your stomach, commanding you to follow it down to your cunt.

It didn’t take much longer for you to keel over the edge of your impending climax. It burst through you, your legs clamping shut around his face—a move which Vander was used to by now—-hips mindlessly gyrating against his face as you brutally cum around his fingers. Vander can feel your walls clenching and relaxing back to back with each additional thrust he gave, your voice begging to slip past his fingers as you come undone. He thought you had been dripping wet at the start of this—but he had been sorely mistaken. Your arousal was seeping out of you despite his fingers plugging you up.

“Attagirl..” He whispers against you, giving your clit a few final licks before reluctantly pulling away. The grip on his hair finally loosened as your body went almost completely limp. Your breathing came in rapid, shallow gasps, just as desperate as Vander, himself, now was. His cock was so hard, it felt like it was being choked by his trousers. But he had the patience of a saint. He could wait as long as needed for you to collect yourself once again.

“So, was the service to your liking?” he asks, his tone teasing—and entirely rhetorical��as he wipes his mouth with the back of his hand. The fingers that had been in your mouth slide free as he takes a moment to compose himself.

“I’ll take that as a yes,” he chuckles, clearly amused by how speechless you’ve become.

“Just don’t forget to tip your server..” He teases, alluding to the painfully obvious fact, that this situation is far from over.

[reasonsforhope]

Federal regulators on Tuesday [April 23, 2024] enacted a nationwide ban on new noncompete agreements, which keep millions of Americans — from minimum-wage earners to CEOs — from switching jobs within their industries.

The Federal Trade Commission on Tuesday afternoon voted 3-to-2 to approve the new rule, which will ban noncompetes for all workers when the regulations take effect in 120 days [So, the ban starts in early September, 2024!]. For senior executives, existing noncompetes can remain in force. For all other employees, existing noncompetes are not enforceable.

[That's right: if you're currently under a noncompete agreement, it's completely invalid as of September 2024! You're free!!]

The antitrust and consumer protection agency heard from thousands of people who said they had been harmed by noncompetes, illustrating how the agreements are "robbing people of their economic liberty," FTC Chair Lina Khan said. 

The FTC commissioners voted along party lines, with its two Republicans arguing the agency lacked the jurisdiction to enact the rule and that such moves should be made in Congress...

Why it matters

The new rule could impact tens of millions of workers, said Heidi Shierholz, a labor economist and president of the Economic Policy Institute, a left-leaning think tank. 

"For nonunion workers, the only leverage they have is their ability to quit their job," Shierholz told CBS MoneyWatch. "Noncompetes don't just stop you from taking a job — they stop you from starting your own business."

Since proposing the new rule, the FTC has received more than 26,000 public comments on the regulations. The final rule adopted "would generally prevent most employers from using noncompete clauses," the FTC said in a statement.

The agency's action comes more than two years after President Biden directed the agency to "curtail the unfair use" of noncompetes, under which employees effectively sign away future work opportunities in their industry as a condition of keeping their current job. The president's executive order urged the FTC to target such labor restrictions and others that improperly constrain employees from seeking work.

"The freedom to change jobs is core to economic liberty and to a competitive, thriving economy," Khan said in a statement making the case for axing noncompetes. "Noncompetes block workers from freely switching jobs, depriving them of higher wages and better working conditions, and depriving businesses of a talent pool that they need to build and expand."

Real-life consequences

In laying out its rationale for banishing noncompetes from the labor landscape, the FTC offered real-life examples of how the agreements can hurt workers.

In one case, a single father earned about $11 an hour as a security guard for a Florida firm, but resigned a few weeks after taking the job when his child care fell through. Months later, he took a job as a security guard at a bank, making nearly $15 an hour. But the bank terminated his employment after receiving a letter from the man's prior employer stating he had signed a two-year noncompete.

In another example, a factory manager at a textile company saw his paycheck dry up after the 2008 financial crisis. A rival textile company offered him a better job and a big raise, but his noncompete blocked him from taking it, according to the FTC. A subsequent legal battle took three years, wiping out his savings. 

-via CBS Moneywatch, April 24, 2024

--

Note:

A lot of people think that noncompete agreements are only a white-collar issue, but they absolutely affect blue-collar workers too, as you can see from the security guard anecdote.

In fact, one in six food and service workers are bound by noncompete agreements. That's right - one in six food workers can't leave Burger King to work for Wendy's [hypothetical example], in the name of "trade secrets." (x, x, x)

Noncompete agreements also restrict workers in industries from tech and video games to neighborhood yoga studios. "The White House estimates that tens of millions of workers are subject to noncompete agreements, even in states like California where they're banned." (x, x, x)

The FTC estimates that the ban will lead to "the creation of 8,500 new businesses annually, an average annual pay increase of $524 for workers, lower health care costs, and as many as 29,000 more patents each year for the next decade." (x)

Clearer explanation of noncompete agreements below the cut.

Noncompete agreements can restrict workers from leaving for a better job or starting their own business.

Noncompetes often effectively coerce workers into staying in jobs they want to leave, and even force them to leave a profession or relocate.

Noncompetes can prevent workers from accepting higher-paying jobs, and even curtail the pay of workers not subject to them directly.

Of the more than 26,000 comments received by the FTC, more than 25,000 supported banning noncompetes. 

[batboyblog]

Things the Biden-Harris Administration Did This Week #38

Oct 11-18 2024

President Biden announced that this Administration had forgiven the student loan debt of 1 million public sector workers. The cancellation of the student loan debts of 60,000 teachers, firefighters, EMTs, nurses and other public sector workers brings the total number of people who's debts have been erased by the Biden-Harris Administration using the Public Service Loan Forgiveness to 1 million. the PSLF was passed in 2007 but before President Biden took office only 7,000 people had ever had their debts forgiven through it. The Biden-Harris team have through different programs managed to bring debt relief to 5 million Americans and counting despite on going legal fights against Republican state Attorneys General.

The Federal Trade Commission finalizes its "one-click to cancel" rule. The new rule requires businesses to make it as easy to cancel a subscription as it was to sign up for it. It also requires more up front information to be shared before offering billing information.

The Department of Transportation announced that since the start of the Biden-Harris Administration there are 1.7 million more construction and manufacturing jobs and 700,000 more jobs in the transportation sector. There are now 400,000 more union workers than in 2021. 60,000 Infrastructure projects across the nation have been funded by the Biden-Harris Bipartisan Infrastructure Law. Under this Administration 16 million jobs have been added, including 1.7 construction and manufacturing jobs, construction employment is the highest ever recorded since records started in 1939. 172,000 manufacturing jobs were lost during the Trump administration.

The Department of Energy announced $2 billion to protect the U.S. power grid against growing threats of extreme weather. This money will go to 38 projects across 42 states and Washington DC. It'll upgrade nearly 1,000 miles worth of transmission lines. The upgrades will allow 7.5 gigawatts of new grid capacity while also generating new union jobs across the country.

The EPA announced $125 million to help upgrade older diesel engines to low or zero-emission solutions. The EPA has selected 70 projects to use the funds on. They range from replacing school buses, to port equipment, to construction equipment. More than half of the selected projects will be replacing equipment with zero-emissions, such as all electric school buses.

The Department of The Interior and State of California broke ground on the Salton Sea Species Conservation Habitat Project. The Salton Sea is California's largest lake at over 300 miles of Surface area. An earlier project worked to conserve and restore shallow water habitats in over 4,000 acres on the southern end of the lake, this week over 700 acres were added bring the total to 5,000 acres of protected land. The Biden-Harris Administration is investing $250 million in the project along side California's $500 million. Part of the Administration's effort to restore wild life habitat and protect water resources.

The Department of Energy announced $900 Million in investment in next generation nuclear power. The money will help the development of Generation III+ Light-Water Small Modular Reactors, smaller lighter reactors which in theory should be easier to deploy. DoE estimates the U.S. will need approximately 700-900 GW of additional clean, firm power generation capacity to reach net-zero emissions by 2050. Currently half of America's clean energy comes from nuclear power, so lengthening the life space of current nuclear reactors and exploring the next generation is key to fighting climate change.

The federal government took two big steps to increase the rights of Alaska natives. The Departments of The Interior and Agricultural finalized an agreement to strengthen Alaska Tribal representation on the Federal Subsistence Board. The FSB oversees fish and wildlife resources for subsistence purposes on federal lands and waters in Alaska. The changes add 3 new members to the board appointed by the Alaska Native Tribes, as well as requiring the board's chair to have experience with Alaska rural subsistence. The Department of The Interior also signed 3 landmark co-stewardship agreements with Alaska Native Tribes.

The Department of Energy announced $860 million to help support solar energy in Puerto Rico. The project will remove 2.7 million tons of CO2 per year, or about the same as taking 533,000 cars off the road. It serves as an important step on the path to getting Puerto Rico to 100% renewable by 2050.

The Department of the Interior announced a major step forward in geothermal energy on public lands. The DoI announced it had approved the Fervo Cape Geothermal Power Project in Beaver County, Utah. When finished it'll generate 2 gigawatts of power, enough for 2 million homes. The BLM has now green lit 32 gigawatts of clean energy projects on public lands. A major step toward the Biden-Harris Administration's goal of a carbon pollution-free power sector by 2035.

Bonus: President Biden meets with a Kindergarten Teacher who's student loans were forgiven this week

[ozzgin]

Yandere! Yakuza x Reader (IV)

Happy Holidays! Remember your plans to visit friends and family back in your home country? Scratch that. The Yakuza men have other ideas for you in this cozy Christmas special. And you finally get to meet their fearsome Boss, who has a request for you.

Content: female reader, fluff

[Part 3] | [Part 5] | [Yakuza Masterlist]

You stare at your phone in disbelief, rereading each line and hoping you've misunderstood the kanji. Daitou and Kazuya are quietly frowning behind you, unsure how to help in such a situation. Their lack of response only confirms it.

The brief paragraph is written in bold, red font: Due to weather conditions, all flights are cancelled until further notice. Passengers have been refunded and will need to repurchase their tickets at first convenience.

One glimpse at the last-minute prices and you're certain of it: you won't be going home for Christmas. You slouch and sigh, somewhat at peace with the idea. What else can you do? You might as well get yourself a KFC bucket and stare at the holiday lights in the city center. You and the couples taking cheesy Christmas selfies, who will later wonder about the gloomy loner behind them philosophically crunching on spicy wings.

"Don't look so defeated, (Y/N). You can just spend that time with us instead. We're not such terrible company, are we?" Kazuya jokes, trying to cheer you up.

"We could even go on a trip around New Year."

Your eyes light up in anticipation, the sadness vanishing almost instantly. 

"Can we go to one of those hot spring inns? I've always wanted to visit an onsen." You put your hands together pleadingly. 

"Whoa! Take me out to dinner first if you're that eager to see me naked." The blonde man winks at you smugly. 

"How would I see you naked? The baths are separated, aren't they?" You inquire. 

"We can't go to the regular ones." Daitou pulls his collar slightly downwards, revealing a fragment of his traditional tattoos. True. A yakuza would never be allowed among the civilians. "We'd have to book a private bath, so there wouldn't be anyone else."

You blush at the prospect of being alone with the two men. Kazuya notices your nervousness and is about to continue his teasing, but Daitou speaks before him, unbothered and oblivious:

"Besides, you've already seen me naked. I can tell you Kazuya doesn't look much different. There's nothing to be shy about."

The blonde man can only gawk, taken aback, and you shove Daitou in a flustered panic, fumbling to find an excuse or a change of subject.

He didn't have to make your business public like that, or he could've at least announced it without you being present. Judging by the blonde's speechless reaction, you're guessing he hasn't been told about your sneaky office smooching that led to the occasional sleepover. If you think about it, there's nothing shameful about being intimate with your boyfriend, but...It's not something you're fully accustomed to yet.

As promised, after the coworker incident you were soon greeted with a job offer in the neighborhood. When you went to your old office to discuss the mandatory year contract, the managers nervously handed you an approval for resignation and refused to discuss any details. You were free to go, no penalty or obligation. They had a fearful demeanor and you hoped Daitou didn't dismember anyone involved. Regardless of his means, you were now at the liberty to pursue other careers.

On the other hand, you were rather anxious about your new workplace. You had flashing visions of drug cartels and gambling parlors, with thugs rattling their drinks at you and demanding proper service. Windows breaking and masked men rolling onto the floor, armed to the brim. Ginza hostesses scurrying behind you and asking for help against an angered client. The night before your first day, you restlessly shuffled in your bed, plagued by second thoughts. What could you possibly do for the yakuza? What ghoulish demands would they prepare for you?

Daitou was the one to accompany you in the morning. He showed you to your desk, and you could discern the blurred frames of people angrily discussing matters in the opposing meeting room, separated by a large window. You gulped.

"They're building a new apartment complex two streets down." Your boyfriend mentioned casually, helping you settle with your belongings. 

"Huh?"

"Oh, sorry, I thought you were curious about their talk."

"I mean, I am, but...Is that it?" You gazed at him incredulously. 

"What else? This is a real estate office. Upstairs is the stock investments."

"Oh...Oh...I thought..." You were a little embarrassed. The imaginary scenarios of bloody battles and crimes that kept you awake felt quite ridiculous now.

Daitou seemed to have picked up on your assumptions, because he chuckled and ruffled your hair, following with an explanation. 

"Boss is very strict with our Ninkyo-Do. If you're caught with drugs or petty theft, you're excommunicated. We used to have a bunch of gambling casinos as main income, but nowadays there's too much pressure from the police, ya know? Half of our members aren't even officially registered with the Yakuza, so they can't be tracked. We mostly do stocks and real estate. That's where the cash is. 

Heh. Kinda boring, ain't it? I'm afraid you showed up way after the golden times. Even I'm too young for it. If ya want, I can ask one of the retired seniors to tell you about it. He has a lot of great stories."

You held your tongue from bringing up his frequent killing sprees and just nodded, amused by the fact that his code of conduct didn't register human casualties as wrong. The Yakuza have strict rules of ethics that set them apart from regular mafia. Depending on the Oyabun, or Head of the Family, this chivalrous way of living is reinforced to all members or conveniently swept under the rug. Daitou's Boss seemed to fit in the former category. 

Therefore your "office job" turned out to be an actual office job without the quotes. Although you were often reminded the people passing by weren't your regular salarymen. Many of them were entirely transparent with you, striking up conversations about their latest arrest, or complaining about the poor quality of their pinky finger prosthetic they'd ordered from the Philippines. 

But this isn't the time to reminisce. The prolonged silence is unbearable and one could fry eggs on your hot, burning cheeks. Kazuya is the one to break the awkwardness. 

"Oh, yeah...You coming to the Christmas thing this evening?"

"We'll be there." Daitou smiles innocently, unaware of the discomfort he just caused.

Kazuya raises his eyebrows in surprise and looks at you.

"Did you...?"

"Yup. It's all fine." The dark haired man nods reassuringly. 

"Then I'll see you at dinner, little (Y/N). Don't catch a fever with all that steam blowing out of you." He laughs at your still baffled expression and places his large hand on your head, departing.

Daitou holds the door open for you and you hurry inside. As you both walk down the hallway of the luxurious restaurant, you can't help the nagging feeling that he's once again omitted some vital information. 

"Can you tell me again who else is coming? Just Kazuya?"

"Oh no, it's a Family meeting. So Boss and the rest of the Seniors, too."

You gasp in horror, but before you can scold him, you find yourself behind the canvas screen divider, facing a table of older men in suits, holding their drinks and eyeing you suspiciously. 

"Oi, who the fuck is this, Daitou?" one of them growls. 

"I already told you before, (Y/N). My girlfriend."

"Huh? Did you seriously just bring a civvy to our meeting? I knew you got a loose screw, boy, but this tops it all."

Daitou frowns and steps in front of you, visibly annoyed. 

"If ya got a problem with my woman being here, I can settle it for you, old man. When was the last time you fought someone?"

"'s that supposed to mean?"

"It means you've gotten too comfortable sitting up there and barking orders. Let me remind you why they leave the killings to me."

The thick tension in the air is quickly dispersed by a loud, relaxed laugh. At the end of the table, a heavily scarred man with grey hair is clapping his hands in delight, seemingly amused by the events unfolding. He glances at you and pats a cushioned seat to his right. 

"There you are! Come join us, miss (Y/N). Ignore those rusty grumps, they ain't seen a woman outside a host club." He throws the instigator a brief glare. "Is that any way to talk to my guest, Oota?"

The man swallows dryly and mutters an apology. He goes back to his drink, preoccupied, and the rest follow suit. 

You hesitantly kneel down to your designated place, sheepishly peeking at the mysterious figure. Could it be? As if reading your mind, Daitou places an encouraging hand on your waist and lowers his head to your ear, swiftly whispering "that's Boss" before going to greet the others at the table. 

"I-it's a pleasure meeting you, Sir." You mumble nervously.

"No no, pleasure is all mine. I'm Eiji Ijichi, 8th Head of our Family." 

His introduction is unexpectedly warm and his easygoing way of speaking reminds you a lot of Daitou. The faintest grin threatens to appear, but you cover your mouth. With enough imagination, this could be the equivalent of meeting your in-laws. This is Daitou's family, after all. A criminally scary one, but nonetheless you've been welcomed with open arms.

"Do you drink?" The older man asks you, raising his porcelain cup.

"Naturally." You exclaim and lift your own cup enthusiastically. 

"Attagirl!"

As the night progresses, the men at the table are loosening up under the influence of expensive alcohol. Kazuya seems to be caught in a terribly involved conversation with Daitou and one of their Captains, gesturing dramatically and occasionally raising his tone. You notice your glass has once again been filled by the waitress and take another sip, satisfied with observing their fun from the sidelines. Boss has a similar approach, gazing nostalgically over the rowdy group of thugs.

He reaches for his pack of smokes and you scramble to pick up the lighter, politely bowing as you light up his cigarette. He smiles at your gesture. 

"I see Daitou's trained you already."

He ponders for a moment, gently blowing a cloud of smoke upwards. 

"You'll make a good wife."

"Excuse me?" You question, startled by his sudden remark. 

"It's hard to tell, but I'm getting pretty old myself." He snickers at his self made compliment. "Soon it'll be time to pick my successor. I have no children, unless you count that rascal I picked from the streets." He says as he tilts his chin towards Daitou. 

"I love him like my own kid, but I'm sure you noticed he's a little off. Everyone is terrified of him. You can't have a leader if everyone runs away from him, ya know? I was starting to get worried I'd work myself through retirement. Kazuya can only do so much!

Then he comes up to me grinning like an idiot. I thought, 'There it is. He finally lost it', but instead he asks me if I want to see a photo of his girlfriend. Girlfriend?! I was ready to witness some crusty body pillow, my hand was on the phone to call our Family doctor. He shows me a cute foreigner standing next to him. Now I'm pretty sure he's not smart enough to fake photos like that, so it must be the real deal. 'How the Devil did ya pull this one?' I asked him. Cause listen, I was rather handsome back in my day and I still wouldn't have been this lucky.

And would ya look at that, it's the miss that moved into our apartments! How's the living conditions, by the way? Everything going fine?"

You nod energetically.

"Good, good."

He crosses his arms and nods himself, satisfied. He turns to gaze at you intently, with a face you can't quite read.

"You gotta excuse a drunk old man for rambling so much. What I'm trying to say...well...

Take care of him when he becomes the 9th, will ya? If he has you, I'm sure he'll manage. But don't tell him I said that! You gotta keep them humble. See, that's a lesson for you too. If there's one person the Head of the Family bows to, that's his wife! But I doubt he'd let the power get to his head."

You both turn to Daitou. He just finished pouring more sake to his superior and notices your stare. He blushes slightly and waves, unsure why he's suddenly being observed. 

"I think so, too." You respond, waving back. 

How would that look on a CV? Ane-san of a Yakuza family. 

[astonmartinii]

undercover verstappen | charles leclerc social media au

pairing: charles leclerc x fem verstappen!reader

get you a girlfriend who will threaten mutiny to get you a seat at a competent team

based on this request: HI BABES I HOPE YOU ARE WELL! I LOVE YOUR WRITING SM! So basically I have an idea for a (possible?) Smau series, so basically it's Charles leclerc × verstappen!reader, she is a reserve driver for redbull but is also maxs race engineer (idk if you call it that? The person that talks to them that one) so she's very involved with the team and f1 in general. The public doesn't know that her and Charles are dating, and they don't even think it as Charles and max "hate" eachother (they are both doing this to protect readers and Charles relationship, they are actually besties) and basically, reader has enough if ferraris tractor, so she's like 'I will get you too redbull' and then checo retires at the end of the 2023 season, and instead of taking the job when she was offered it, she asks if Charles could have it (obviously not publicised) and Christian is like "Yes very good idea" so he asks Charles who is uncertain at first but is then OK with the idea (he is worried about becoming a second driver to max but there is lots of reassuring that he won't be nd so he accepts) and then he goes on to win 2024 wdc (and wcc but irrelevant) and he's sad that he couldn't do it with ferrari omg that's long sorry babes - @lillians-world-is-f1

MASTERLIST | TIPS | F1 SMALL BUSINESS

redbullracing

liked by maxverstappen, yourusername and 1,390,887 others

tagged: schecoperez

redbullracing: checo has informed the team that he will be retiring from the sport at the end of the 2023 season. we thank checo for his service and all the good times, he will forever be a legend of this sport. VAMOS CHECO 👏

view all comments

user1: EXCUSE ME?

user2: they really thought they could drop this on a monday and we'd all be chill

maxverstappen1: i've heard tequila tastes even better when you're retired, congrats mate - we'll miss you

user3: wait does this mean it'll be double verstappen on the grid now?

user4: there's more than one of them?

user5: max's sister is the girl you'll hear on his radio and she's technically the reserve driver as well. so she might step up to the second seat now checo has retired

user6: idk about you but that spells trouble to me

yourusername: congrats checo! will miss you, carola and all the little ones x

schecoperez: you won't be able to get rid of them that easily, i'll be cashing in on some well earned babysitting hours

yourusername: can't wait !!!

user7: what i'm hearing is that there's a chance for a daniel return to red bull?

user8: double verstappen or maxiel i don't want to choose they're both my children

user9: i'm making an outside shout for a charles leclerc red bull era

user10: i am seeing the lestappen vision

user11: my personal headcanon is that both verstappens and charles are all besties and have always been besties

christianhorner: thank you for your service checo, first drink on me 👍

user12: i know christian is sweating having to make a choice between child no 2 y/n and child no 3 daniel

user13: idk i think daniel might have the edge

user14: if geri or max have anything to do with it we might have a team so dutch that the car will be orange next season

user15: christian punching the walls cause lando extended his mclaren contract literally last week 😭

EXCERPT OF RECORDING OF THE RED BULL GARAGE, ABU DHABI

yourusername

liked by charles_leclerc, landonorris and 892,309 others

tagged: maxverstappen1

yourusername: verstappens take the city

view all comments

user18: i just know they are simultaneously the best people to party with but also the people you probably don’t want at a house party

yourusername: i’ll have you know i once plunged a toilet at a house party and disposed of a “sick sandwich” i am a DELIGHT

user19: and max?

yourusername: no comment

maxverstappen1: as if ! i don’t care if we’re blood im suing you for slander

yourusername: i watched you volley a vase at AD21

maxverstappen1: i paid for it !!! and you said it was a sick shot anyway FAKE

yourusername: you can say that cause personally i was not at fault of any of my actions that night x

user20: PLEASE MA'AM AT LEAST ONE SEASON OF DOUBLE TROUBLE PLEASE

user21: idk if i could deal with seeing jos verstappen every weekend tho...

user22: obsessed with how neither verstappen follow charles but here he be in her notifications again

user23: someone add it to the interaction spreadsheet i am CONVINCED it will one day lead to more

landonorris: lando norris erasure once again

user24: DID YOU WRITE THAT NOTE???

landonorris: hell no i'd rather peel my skin off than call the three raccoons disguised as a woman pretty

yourusername: good gosh we would've got the point without all of that

maxverstappen1: yeah lando only i'm allowed to call y/n the raccoons in a trench coat. know your place.

user25: so you do wanna tell us who wrote the note then?

yourusername: nope ;p

user26: only y/n and max have been spotted out so maybe it's just brotherly love

user27: LOL? MAX? BROTHERLY LOVE?

danielricciardo: invite seemed to get lost in the mail again

yourusername: either get a room or get out of my comment section

maxverstappen1: ???

user28: no maxiel red bull again. i don't think y/n's blood pressure can take it

f1

liked by maxverstappen1, yourusername and 2,544,924 others

tagged: charles_leclerc & maxverstappen1

f1: ready to see them as teammates? charles leclerc has signed a deal with red bull to keep him at the team until 2028.

view all commments

user29: excuse me *clears throat* WHAT THE ACTUAL FUCK

redbullracing: welcome charles!!! no inchidents please

charles_leclerc: will we ever hear the end of that joke?

redbullracing: we know what the girlies want charles

maxverstappen1: you get used to it after a while. no ice bath thirst traps here though

charles_leclerc: phew 😥

user30: this little hoe pretending he didn't love it

user31: wait ??? does this mean what i think it could mean? GIRLFRIEND?

user32: i can't take leaving ferrari and a girlfriend in one day sorry

yourusername: welcome to the team charles :)

user33: don't think we forgot about the recording babe... IS THIS WHO YOU RECOMMENED?

danielricciardo: it better not be because if you recommended your lil boyfriend over sexy ol' me i'm gonna be real mad 😭

this comment was deleted

user34: WE SAW THAT WHAT THE FUCK

maxverstappen1: daniel you are so fucking dumb

yourusername: MAX? IGNORE IT?

maxverstappen1: bro it's all over twitter you might as well take the moment to curse out daniel before christian confiscates our phones

yourusername: DANIEL JOSEPH RICCIARDO YOU RAT BASTARD I'M GONNA RIP WHATEVER REMAINING HAIR YOU HAVE LEFT AND SHOVE IT UP YOUR SURPRISINGLY PERKY ASS. IF I HAVE ANYTHING TO DO WITH IT YOU AND YOUR CHILD BEARING HIPS WILL NEVER GET CLOSE TO A RED BULL EVER AGAIN FOR EXPOSING A SECRET US THREE HAVE KEPT FOR SEVEN FUCKING YEARS

charles_leclerc: what she said

maxverstappen1: oop.

user35: well. can we keep going this is quite fun.

christianhorner: they're all in time out sorry

user36: okay well now that happened... when can we get "who knows me better my boyfriend or my brother" lestappen version 🤨

charles_leclerc: i would wipe the floor with him

maxverstappen1: of course you would you BIG FAT NERD

charles_leclerc: i thought christian took your phone?

maxverstappen1: as if he doesn't fall for the verstappen puppy dog eyes every time

charles_leclerc: you'll use them for me right babe, RIGHT BABE?

yourusername: idk charlie, this is family business

christianhorner: i've taken their phones again

yourusername

liked by maxverstappen1, charles_leclerc and 1,304,555 others

tagged: charles_leclerc & maxverstappen1

yourusername: my favourite men in the world doing what they do best

view all comments

user37: take me out back and shoot me already

christianhorner: interesting i don't see myself here and considering i pay your wages...

yourusername: dads go in different categories?

christianhorner: don't use my paternal instincts against me y/n

yourusername: say goodbye to your father's day card

christianhorner: NO I'M SORRY

user38: the way this proves that second red bull really was y/n's ...

user39: for real imagine loving a MAN so much you give it to HIM 🤮

user40: she also said in that recording at jos made it so bad for the two of them when they did compete that she no longer wanted to give the fans and the media the chance to do it either

charles_leclerc: oh wow that's crazy, you're my favourite woman ever

yourusername: don't be so rude to mama pascale

charles_leclerc: well other than mama obvioysly

yourusername: so i'm not your favourite, i see how it is

charles_leclerc: I AM SO CONFUSED SO I'M JUST GONNA SAY I LOVE YOU

yourusername: awww charlie i love you too

user41: okay i've known about them approximately two weeks and i love them your honour

maxverstappen1: i'm so much better than him y/n be real

yourusername: don't be such a sore loser maxy

maxverstappen1: don't get it twisted, i still won on track

charles_leclerc: not for long

yourusername: okay girlies leave the trash talk for the weekends this is being normal for the sake of y/n's mental health time

user42: good lord this trio is so dear to me

maxverstappen1

liked by landonorris, charles_leclerc and 1,043,788 others

tagged: yourusername & charles_leclerc

maxverstappen1: best thing about winning is choosing the restaurant after - closely followed about the worst thing: third wheeling them.

view all comments

user43: max coming through with the y/n and charles content as he should

user44: i need him to open the vault cause i have not forgotten that y/n said this relationship is seven years old

yourusername: i think i had a wet dream about this sushi spread last night

maxverstappen1: as long as that's it, good.

yourusername: i don't need to have wet dreams anymore, the real thing is so much better

maxverstappen1: BLOCKED.

user45: i know y/n is elated to be able to publicly terrorise max with her relationship

user46: so does this mean that this is a system they've had for a while?

yourusername: room service is our middle names

charles_leclerc: maximilian can you please send the last pic to the shared album

maxverstappen1: on it 🫡

user47: SHARED ALBUM? I MIGHT DIE

yourusername: you two are such cutie patooties

maxverstappen1: but for real no being so cute on my jet again or just wait for me to go for my nap

charles_leclerc: heard and understood

yourusername: or maybe just get a life and stop being so lonely

danielricciardo: can i join for sushi or am i still banned?

maxverstappen1: eh, you could take y/n in a scrap

danielricciardo: she read my ass for filth on main i'm scared of her

charles_leclerc: she had you gagged

danielricciardo: and this litlle guard puppy agrees with whatever she says :(

yourusername: as he should !

maxverstappen1: don't try and fight it daniel, i've been in this losing battle for seven years

charles_leclerc

liked by georgerussell63, yourusername and 1,834,903 others

tagged: yourusername

charles_leclerc: life in blue could never be blue with you. i love you baby, thank you for giving me this opportunity, every trophy is for you x

view all comments

user48: GOD PLEASE SAVE ME PLEASE GOD SAVE ME FROM THIS SINGLE LIFE.

yourusername: i love you too charlie, i'd do everything and more for you. i'm happy you're happy x

charles_leclerc: you can't get rid of me at this point

yourusername: seven years strong, i'm stuck to you like glue

charles_leclerc: you'll have my last name (or i can take yours) next

maxverstappen1: you can give her a ring but you'll NEVER TAKE THE VERSTAPPEN NAME AWAY

yourusername: you good?

maxverstappen1: yeah but we must always be double trouble. not even THAT man will come between that

user49: this is the trio of my dreams i need a whole drive to survive ep or even spin off just following these losers around

danielricciardo: see how could you be angry that i would want to talk about all this cuteness ?

yourusername: we are cute, correct.

charles_leclerc: i'd use the words incredibly sexy but okay

danielricciardo: are you guys still angry? I'M TRYING TO COMPLIMENT YOU

yourusername: we forgive you daniel.

charles_leclerc: i was also kissing her on my first podium REGARDLESS

yourusername: you're so romantic 🥰

maxverstappen1: GAG.

user50: convinced that max will still be the biggest big brother asshole until he is in the retirement home

alexalbon: flexing the alex albon and lily mun he photography i see

yourusername: thank you for your service

lilymunhe: we can also keep a secret 🤫

danielricciardo: I SAID I WAS SORRY

charles_leclerc: we're gonna hold it over you forever buddy

danielricciardo: was taking the red bull seat not enough?

charles_leclerc: until i win a championship? yes.

fin.

note: I'M BACK!! hope this was what you were looking for xx also, if you guys ever want to support me in any way i have a tip jar on kofi and also my small business @badlydrawnf1cats that has a sticker sheet available right now - love you all xx

[astrocafecoffee]

💫Your future spouse's career based on your Juno persona chart 💫

✨ For entertainment purposes only. Enjoy.✨

🌜what to check?

- just check your Industria (389) asteroid in your Juno persona chart.Find out in which house it falls in!!

Why this asteroid?

- Juno persona chart tells about your future spouse and Industria(389) asteroid is a long term career related asteroid. So this asteroid in your juno persona chart can give a insight about your future spouse's career.

🌜SOME SHORT TERMS I USED HERE :

- FS = FUTURE SPOUSE

-JPC = JUNO PERSONA CHART

Leshh go!

🌆 Industria in 1st house of JPC : 1st house represent one's identity, personality and how they present themselves to the world.This asteroid in 1st house suggests that their career may be tied to their personal identity and innovative spirit. Now some possible career of your fs-

*Entrepreneurial scientist - they may excel in entrepreneurial pursuits within the scientific community. They may innovate new technologies, products that have a significant impact in their field.

* Industry leader - they maybe known for their innovative idea and proactive attitude to their work. They can easily be a leader of their respective industry.

* visionary consultant - they may excel in their field as a respectful advisor, who offers solutions to businesses or individuals seeking guidance.

* Creative director- career in creative leadership such as creative director in advising, film, fashion, or design.

* makeup artist

* Model

* engeneering

* design/ work in media.

🌆 Industria in 2nd house of JPC : Their career may be closely related to their values resources, managing or utilising assets and their sense of stability. Some possible career of your fs -

* wealth management specialist - they helps individuals or organizations maximize their financial resources and investments through innovative and strategic approach.

* Creative Financial analyst - specialised in creative or innovative analysis methods.

* Financial innovator- innovates new financial products, services or strategies.

* asset manager

* Entrepreneurial investor

* can sing well

* accountant

🌆 Industria in 3rd house of JPC : 3rd house represents one's communication style, mental persuits, and interaction within immediate environment. When this asteroid in your 3rd house this can indicate that your fs may excel in the career of innovative communication methods or technologies. Some possible career of your fs -

* They may into journalism, media, broadcasting, or public relations where someone uses their creative ideas.

* technology writer/ blogger: their career path may involve writing / blogging about technologies or industry trends or sharing their ideas with wide audience.

* Workshop/ educational outreach programs.

* small business owner

* excel in troubleshooting skills, problem solving abilities, explaining complex concepts in simple terms.

🌆 Industria in 4th house of JPC : their career tied to their home , family roots, and emotional well-being.some possible career of your fs -

* career in real estate - specialize in designing sustainable, eco friendly, or technologically advanced buildings.

* e- commerce, consulting, freelance work.

* Family councillor or therapist - they may help individuals and families navigate challenges, fostering harmony and growth within te hone environment.

* interior designer

* Home renovation specialist

* Family owned business owner.

* childcare provider

🌆 Industria in 5th house of JPC : 5th house is associated with creativity,joy, children and hobbies. It governs one's individual approach to work, self expression and personal fulfillment. So your fs career strongly related to this area of life. Possible careers -

* creative artist/ entertainer - Excels in creative profession like music , theater , film, writing etc.

* event planer- organizing wedding, festivals or social gathering.

* teacher/ coach - inspiring or guiding others in academic subject/ sports.

* youth councillor - natural affinity to work with young people and helping them to discover their talents.

* atrs nd crafts business owner.

* fitness instructor

* dance teacher

* entertainment industry professional.

🌆 Industria in 6th house of JPC : 6th house is associated with employment, daily task, health and service to others. So possible career of your fs -

* health care professionals - career related to healthcare, nursing, doctor, medicine, and pharmacy.

* nutritionist/ dietician - helping others to improve their dietary habits , manage health condition.

* fitness trainer/ coach - motivates others to adopt healthy lifestyle.

* administrative professional - may indicate talent for efficiency, attention to detail, making career in administrative or office management appealing.

* environmental scientist

* social worker

* reasearch assistant

🌆 Industria in 7th house of JPC : 7th house is related to marriage, buisness partnership, legal matters, and one-on-one interactions. Possible career domains of your fs-

*legal professional - career related as mediators, legal consultant, specialization in areas such as contrat law , family law or dispute resolution.

* business consultant - expertise in the area of strategy, negotiation, and partnership development.

* marriage and family therapist - helping couples navigate challenges, improve communication and strengthen their bonds through therapy or councilling sessions.

* international business manager

* foreign affair specialist

* event coordinator

*public relation specialist

* human resources manager

🌆 Industria in 8th house of JPC : 8th house is associated with themes such as mysteries, psychology, healing, emotional connection. So possible careers of your fs -

* psychologist/ psychotherapist - your fs may excel in trauma therapy, helping others to navigate profound emotional experiences , uncover hidden truth.

* forensic investigator/ crime analyst- they may be focused on uncovering hidden truths and solving mysteries.

*massage therapist - specialize in modalities such as deep tissue massage, craniosacral therapy or helping clients release emotional/ physical tension through healing.

* reasearch scientist - may excel in fields such as psychology, quantum physics, or consciousness studies.

* occultist - astrologer, tarot reader, or spiritual councillors.

* healer/ energy worker

* heal others through their respective fields. Can be. Singer too .

🌆 Industria in 9th house of JPC: 9th house is associated with themes such as higher learning, expansion of horizons , seeking truth, broadening one's perspective through travel/ exploration. Possible careers of your fs -

* international relations specialist - involve promoting international cooperation, resolving conflicts, forming mutual understanding between nations and cultures.

* spiritual teacher/ guru- your fs may pursue careers as spiritual teachers, gurus, mentors, guiding others on their spiritual journey.

* tour guide

* philosopher

* religious leader - may pursue careers as priests, ministers, guiding and supporting communities in matters of faith and spiritual growth.

* global NGO worker

* foreign language teacher

🌆 Industria in 10th house of JPC: 10th house is associated with themes such as career aspirations, social status, reputation, and professional achievements. This asteroid influences the individual's approach to career, public image, authority, ambition. So possible careers of your fs -

* media personality/ influencer - television hosts , journalist, bloggers, social media influencer , reaching a wide audience.

* creative director/ artist - artist, designer, performers.

* CEO

* startup founder, business owner, or self employed professionals.

* legal professional/ lawyer

* educational administrator

🌆 Industria in 11th house of JPC: when your industria asteroid in this house your fs may excel in the career of social network, group affiliation, humanitarian causes, collaboration etc. So possible careers of your fs -

* social entrepreneur - creates innovative solutions to adress social challenges.

* Tech entrepreneur, start-up founder.

* content creator - social media influencers, bloggers, using their platforms to inspire/ educate peoples.

* environment activist

* advocate

* community organizer

* designing educational platforms , or promoting digital literacy.

🌆 Industria in 12th house of JPC: 12th house is often associated with hidden strengths, spirituality, and working behind the scenes. So possible careers of your fs -

* they might work in reserch and development, data analysis or logistical planning behind the scenes.

* astro- spiritual researcher

* music industry

* astrologer

*song writer.

* mystical or spiritual advisor.

* environmental conservationist.

⚡ Note : these are only some possibilities of careers of your fs. And guys check the degrees to , it's like cheery on top 💌

🌜Don't forget to check my other observations too 👀

That's it guys , see you soon 💝

- piko 💖

[tarotwithavi]

Jupiter and where you will meet your future spouse

Jupiter signifies husband in a woman's chart.

This is not certain as we have to consider other aspects too.

For entertainment purposes only

Jupiter in Aries/1st house : They may be similar to you in some sense, may have the same upbringing. They may be atheletic, go gotter and active. They may come up to you, you may bump into them or you may meet them when you will be standing up for yourself and doing something for yourself. You can also meet them at a sports event, competitive events etc.

Jupiter in Taurus/ 2nd house : They can be highly stable and very calm and mature. They will be the shoulder you can lean on anytime. You guys can meet them in a restraunt, a really luxurious place or art galary. You can also meet them a financial institution like bank or something related to finance, art or culture.

Jupiter in Gemini/3rd house : They can be very chatty and intelligent. You can meet them through your siblings/friends or while on short trips. They can have a close relationship with their siblings. You can meet them when you will be engaged in activities such as public speaking, writng, local communities,coffee shop etc. They can also be your neighbour.

Jupiter in Cancer/ 4th house : One thing with this placement is that they will be like a parent to you. very caring and family oriented. You guys can meet them through maternal figure, either your mother or their mother. You can also meet them in a home enviroment. They can also be a homebody.

Jupiter in Leo/5th house : They can be popular and attract a lot of attention. You can meet them through a celebration like a birthday party, wedding ceremony etc. You can also meet them in movie theater, concert, an event. You will most likely meet them in summertime or in daylight. They can be extroverted and they seem to have nice hair.

Jupiter in Virgo/6th house : They can be health consious or they take good care of themselves and the way they look. They will be helpful and will offer to help in evertything they can. You can meet them through work, in school, in gym or even in hospital. Acts of service can be their love language.

Jupiter in libra/7th house : They can be highly social and can have a bigger social circle. They can be a businessman, salesman or might be woking in marketing. There will be equal give and take in the relationship. You can also meet them in councelling sessions, collaborative events, art exibitions etc. You can also meet them through mutual friends.

Jupiter in Scorpio/8th house : You will meet them when you will be going through an intense transformation. You may also be going through some kind of loss. You can also meet them through reseach and investigation work. spiritual place, occult, nightclub, money and inheritance related matters etc. You can also meet them while getting therapy.

Jupiter in Sagittarius/9th house : You can meet them in collage, educational institute, spiritual place or when you will be getting higher education. They will be highly educated and will act as a teacher or they will be teaching you a lot of things. You can also meet them in foreign lands or in long distance travel. They can be a teacher, professor, guide etc.

Jupiter in Capricorn/10th house : Okay so this placement can signify a arranged marriage or marriage of convinienve. You can meet them in an arranged setting. You can meet them through your father or they can be your boss. This placement also signifies an marriage that is considered ideal. In most cases the couple can work together or have a business together.

Jupiter in Aquarius/11th house : You can meet them through dating apps, social media, social event, charity event. You can also meet them through someone like an old friend. They can also be your best friend. Most people with this placement can get an unconvemtional spouse. They can have really unique personality or can be a rebel. You can meet them after 30.

Jupiter in Pisces/12th house : You can meet them in faraway lands. However this placement can create some kind of illusion, you may put them on a pedestal or you will meet a lot of people who you think are your fs. They can be into music or can be a musician. You may also get dreams about them. You can also meet them at a spritual place.

[ghostlyferrettarot]

🛸🖤Midheaven in the signs🖤🛸

❗️All the observations in this post are based on personal experience and research, it's completely fine if it doesn't resonate with everyone❗️

✨️Paid Services ✨️ (Natal charts and tarot readings) Open!

🛸If you like my work you can support me through Ko-fi. Thank you!🛸

🖤Masterlist🖤

🛸Midheaven in Aries: Self-confidence and extroversion are their main tools; self-sufficient, they seek to prove themselves at all levels. Professional careers that involve movement, individual action and proving their leadership abilities are favorable to them.

🛸Midheaven in Taurus: Their perseverance and determination help them achieve their goals. They take into account their gifts, resources and abilities and how to exploit them. Professional careers that allow them to manifest beauty and practicality are favorable to them, such as agriculture, sculpture, architecture, agronomy, painting and finance.

🛸Midheaven in Gemini: Great communication skills. Flexible, analytical, receptive, agile, versatile, adaptable, with great observational capacity, they can carry out several tasks at once without problems. Professional careers linked to the processes of communication and contact with society are favorable to them, such as journalism, commerce, diplomacy and education.

🛸Midheaven in Cancer: Planners and protectors; Individualistic, sensitive, firm and intuitive. Another point to keep in mind is to practice fluidity in your daily life. Professional careers that help channel assistance to others are favorable for you, such as psychology, gynecology, cooking and psychotherapy.

🛸Midheaven in Leo: You pursue success relentlessly, and sometimes you do not allow yourself to enjoy it. You have clear objectives and the perseverance and tenacity necessary to achieve them. Noble, generous, motivating, trustworthy, with leadership skills; you must learn to control arrogance. Professional careers with great autonomy are favorable for you, such as political positions, business management and dramaturgy.

🛸Midheaven in Virgo: You maintain a constant and methodical effort to achieve your objectives; critical, detail-oriented, positive, organized, innovative and with a great willingness to learn. You must avoid neuroses and the accumulation of objects. Professional careers oriented towards collaboration and with an appreciation of details, such as mechanics, languages, nutrition and crafts, are favorable for you.

🛸Midheaven in Libra: They plan and execute their strategy calmly, taking care of the details and feasibility. They are sociable, adaptable and diplomatic, and they like harmony. Professional careers that offer variety and where they can comfortably develop their sense of justice and balance are favorable to them. A classic example is the study of law, diplomacy, public relations and the arts.

🛸Midheaven in Scorpio: They have a tendency to manipulate others to achieve their interests. Ambitious, determined, direct, brave, skillful and capable of facing difficult transformation processes. Professional careers that privilege research and strategy are favorable to them, such as psychoanalyst, psychiatrist, private investigator, chemist and anthropologist.

🛸Midheaven in Sagittarius: They are constantly moving. Intuitive, open, creative, with strong convictions and ideals. They are favourable to professional careers that work directly by appealing to the philosophy of life of individuals, such as religion, philosophy, or spiritual guidance. They also excel in astronomy, ecology and sports.

🛸Midheaven in Capricorn: Ambitious, practical, predictable and modest. Protective, efficient, serious, concentrated, focused, they can fall into nonconformity and obstinacy, in relation to the results they obtain. They are favourable to professional careers that require their knowledge of administration and organization, such as architecture, politics, administration of companies or public institutions, and geology.

🛸Midheaven in Aquarius: They wish to build a better world for everyone, but they feel the need to constantly test the scope of their knowledge. This position indicates a constant search for wisdom. Cooperators, avant-garde, they must cultivate the freedom of spirit to achieve the awakening of consciousness they long for. They are favourable to professional careers that promote the use of technologies and the mass dissemination of ideas, such as journalist, writer, community manager, publicist and others.

🛸Midheaven in Pisces: Patient, sensitive, simple and compassionate, they seek to understand the meaning of life, so they have philosophical and religious concerns, as well as a deep desire to live with simplicity. They must learn that spirituality is not a concept at odds with success. Professional careers related to the management and expression of feelings, such as the arts, psychology, research and public relations, are favorable to them.

[mostlysignssomeportents]

Shifting $677m from the banks to the people, every year, forever

I'll be in TUCSON, AZ from November 8-10: I'm the GUEST OF HONOR at the TUSCON SCIENCE FICTION CONVENTION.

"Switching costs" are one of the great underappreciated evils in our world: the more it costs you to change from one product or service to another, the worse the vendor, provider, or service you're using today can treat you without risking your business.

Businesses set out to keep switching costs as high as possible. Literally. Mark Zuckerberg's capos send him memos chortling about how Facebook's new photos feature will punish anyone who leaves for a rival service with the loss of all their family photos – meaning Zuck can torment those users for profit and they'll still stick around so long as the abuse is less bad than the loss of all their cherished memories:

https://www.eff.org/deeplinks/2021/08/facebooks-secret-war-switching-costs

It's often hard to quantify switching costs. We can tell when they're high, say, if your landlord ties your internet service to your lease (splitting the profits with a shitty ISP that overcharges and underdelivers), the switching cost of getting a new internet provider is the cost of moving house. We can tell when they're low, too: you can switch from one podcatcher program to another just by exporting your list of subscriptions from the old one and importing it into the new one:

https://pluralistic.net/2024/10/16/keep-it-really-simple-stupid/#read-receipts-are-you-kidding-me-seriously-fuck-that-noise

But sometimes, economists can get a rough idea of the dollar value of high switching costs. For example, a group of economists working for the Consumer Finance Protection Bureau calculated that the hassle of changing banks is costing Americans at least $677m per year (see page 526):

https://files.consumerfinance.gov/f/documents/cfpb_personal-financial-data-rights-final-rule_2024-10.pdf

The CFPB economists used a very conservative methodology, so the number is likely higher, but let's stick with that figure for now. The switching costs of changing banks – determining which bank has the best deal for you, then transfering over your account histories, cards, payees, and automated bill payments – are costing everyday Americans more than half a billion dollars, every year.

Now, the CFPB wasn't gathering this data just to make you mad. They wanted to do something about all this money – to find a way to lower switching costs, and, in so doing, transfer all that money from bank shareholders and executives to the American public.

And that's just what they did. A newly finalized Personal Financial Data Rights rule will allow you to authorize third parties – other banks, comparison shopping sites, brokers, anyone who offers you a better deal, or help you find one – to request your account data from your bank. Your bank will be required to provide that data.

I loved this rule when they first proposed it:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

And I like the final rule even better. They've really nailed this one, even down to the fine-grained details where interop wonks like me get very deep into the weeds. For example, a thorny problem with interop rules like this one is "who gets to decide how the interoperability works?" Where will the data-formats come from? How will we know they're fit for purpose?

This is a super-hard problem. If we put the monopolies whose power we're trying to undermine in charge of this, they can easily cheat by delivering data in uselessly obfuscated formats. For example, when I used California's privacy law to force Mailchimp to provide list of all the mailing lists I've been signed up for without my permission, they sent me thousands of folders containing more than 5,900 spreadsheets listing their internal serial numbers for the lists I'm on, with no way to find out what these lists are called or how to get off of them:

https://pluralistic.net/2024/07/22/degoogled/#kafka-as-a-service

So if we're not going to let the companies decide on data formats, who should be in charge of this? One possibility is to require the use of a standard, but again, which standard? We can ask a standards body to make a new standard, which they're often very good at, but not when the stakes are high like this. Standards bodies are very weak institutions that large companies are very good at capturing:

https://pluralistic.net/2023/04/30/weak-institutions/

Here's how the CFPB solved this: they listed out the characteristics of a good standards body, listed out the data types that the standard would have to encompass, and then told banks that so long as they used a standard from a good standards body that covered all the data-types, they'd be in the clear.

Once the rule is in effect, you'll be able to go to a comparison shopping site and authorize it to go to your bank for your transaction history, and then tell you which bank – out of all the banks in America – will pay you the most for your deposits and charge you the least for your debts. Then, after you open a new account, you can authorize the new bank to go back to your old bank and get all your data: payees, scheduled payments, payment history, all of it. Switching banks will be as easy as switching mobile phone carriers – just a few clicks and a few minutes' work to get your old number working on a phone with a new provider.

This will save Americans at least $677 million, every year. Which is to say, it will cost the banks at least $670 million every year.

Naturally, America's largest banks are suing to block the rule:

https://www.americanbanker.com/news/cfpbs-open-banking-rule-faces-suit-from-bank-policy-institute

Of course, the banks claim that they're only suing to protect you, and the $677m annual transfer from their investors to the public has nothing to do with it. The banks claim to be worried about bank-fraud, which is a real thing that we should be worried about. They say that an interoperability rule could make it easier for scammers to get at your data and even transfer your account to a sleazy fly-by-night operation without your consent. This is also true!

It is obviously true that a bad interop rule would be bad. But it doesn't follow that every interop rule is bad, or that it's impossible to make a good one. The CFPB has made a very good one.

For starters, you can't just authorize anyone to get your data. Eligible third parties have to meet stringent criteria and vetting. These third parties are only allowed to ask for the narrowest slice of your data needed to perform the task you've set for them. They aren't allowed to use that data for anything else, and as soon as they've finished, they must delete your data. You can also revoke their access to your data at any time, for any reason, with one click – none of this "call a customer service rep and wait on hold" nonsense.

What's more, if your bank has any doubts about a request for your data, they are empowered to (temporarily) refuse to provide it, until they confirm with you that everything is on the up-and-up.

I wrote about the lawsuit this week for @eff@mastodon.social's Deeplinks blog:

https://www.eff.org/deeplinks/2024/10/no-matter-what-bank-says-its-your-money-your-data-and-your-choice

In that article, I point out the tedious, obvious ruses of securitywashing and privacywashing, where a company insists that its most abusive, exploitative, invasive conduct can't be challenged because that would expose their customers to security and privacy risks. This is such bullshit.

It's bullshit when printer companies say they can't let you use third party ink – for your own good:

https://arstechnica.com/gadgets/2024/01/hp-ceo-blocking-third-party-ink-from-printers-fights-viruses/

It's bullshit when car companies say they can't let you use third party mechanics – for your own good:

https://pluralistic.net/2020/09/03/rip-david-graeber/#rolling-surveillance-platforms

It's bullshit when Apple says they can't let you use third party app stores – for your own good:

https://www.eff.org/document/letter-bruce-schneier-senate-judiciary-regarding-app-store-security

It's bullshit when Facebook says you can't independently monitor the paid disinformation in your feed – for your own good:

https://pluralistic.net/2021/08/05/comprehensive-sex-ed/#quis-custodiet-ipsos-zuck

And it's bullshit when the banks say you can't change to a bank that charges you less, and pays you more – for your own good.

CFPB boss Rohit Chopra is part of a cohort of Biden enforcers who've hit upon a devastatingly effective tactic for fighting corporate power: they read the law and found out what they're allowed to do, and then did it:

https://pluralistic.net/2023/10/23/getting-stuff-done/#praxis

The CFPB was created in 2010 with the passage of the Consumer Financial Protection Act, which specifically empowers the CFPB to make this kind of data-sharing rule. Back when the CFPA was in Congress, the banks howled about this rule, whining that they were being forced to share their data with their competitors.

But your account data isn't your bank's data. It's your data. And the CFPB is gonna let you have it, and they're gonna save you and your fellow Americans at least $677m/year – forever.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/11/01/bankshot/#personal-financial-data-rights