#Construction asset finance

[jexistheblogger]

Global Capital Finance for Business Growth

QI Capital has a team of seasoned Capital Investment Advisers here working globally. Our Private Investment Pool are seeking new partners in diverse industry sectors who are in need of long term Capital Investments of any size, for Business Growth, M&A or Refinance. We also offer an independent negotiated commission to consultants/brokers for any successful partnership referral. Contact us Today for a Free Evaluation.

Tel/Fax: +6568094050

Email: info@qicapitalpte.com

Website: www.qicapitalpte.com

[onlinewordworld]

Buy Mineral Transport Trucks in Nairobi

Deluxe Trucks is the leading provider of mineral transport trucks in Nairobi. We offer a wide range of trucks to choose from, including 20-ton, 30-ton, and 40-ton trucks. Our trucks are all in excellent condition and are fully insured. We also offer a variety of financing options to make it easy for you to buy your dream truck.

[jcmarchi]

How Wealth Managers Can Build Trust Through the Power of Automation and AI

New Post has been published on https://thedigitalinsider.com/how-wealth-managers-can-build-trust-through-the-power-of-automation-and-ai/

How Wealth Managers Can Build Trust Through the Power of Automation and AI

Building trust between wealth managers and their clients has traditionally been credited to effective communication and understanding between the two partners. Over time, wealth managers’ have become increasingly spread thin because of larger portfolios of more demanding clients. The knock-on effect is that clients can feel out of the loop due to extended response times from their wealth managers.

The latest AI solutions now enable wealth managers to eradicate human error and secure integral daily processes, including knowledge work automation, which improve client experience and increases trust.

More time for client relations

 Wealth managers don’t have enough time during the week to foster the relationships they have with clients. Over time, wealth managers have seen their portfolios expand, increased compliance responsibility and other non-revenue generating tasks thrusted upon them. In-turn, schedules have become congested for wealth managers.

Manual, time-consuming procedures have been required when handling workflow processes for wealth managers. Taking up time and energy of wealth managers to ensure workflow is properly handled and stored, has in turn, hindered their capability to improve client relations and foster new ones.

Through the power of automation, wealth managers can store and access the most up-to-date version of customer data immediately and without the worry of if it’s the correct version – as it always will be.

Avoiding content chaos

For wealth managers, the handling of sensitive client data is an everyday responsibility. One false move in saving or sharing an incorrect file can now lead to huge legal and financial implications.

Knowledge work automation, supported by metadata and AI technology, ensure wealth managers are accessing the correct data every time. Ensuring only one version – the correct one – is stored, wealth managers avoid the construction of data siloes across their systems. The creation of data siloes slows down workflow processes, as accurate data is more difficult to come by and also increases the chances of sharing incorrect data both internally and externally.

The wealth management industry cannot afford to be viewed as taking a light-touch approach to data handling. High net-worth individuals will sooner find new opportunities to invest or store their capital if they feel wealth managers are simply not up to the task of handling their assets and data.

The AI trust-factor

With much of a wealth manager’s success relying on trust from the client, how can AI better improve relationships for both parties? With AI, building trust in wealth management is born out of these automated workflow management processes. Prior to these tools, wealth managers would be typically time poor, which would increase the likelihood of workflow being mishandled as schedules become increasingly strained.

The power of automation providing seamless and secure processes for wealth managers ensures client data is safely handled and in a timely manner. From a client perspective, trust is only going to increase once wealth managers have harnessed these tools in a bid to eradicate human error.

Money talks

Implementing AI across knowledge workflow processes has little downside when considering the risks often involved in the processes become mitigated and automation rapidly improves delivery.

For wealth managers and their clients, a more present and interactive relationship is born out of the AI overhaul as their schedules become increasingly accommodating as a direct result of automation. Wealth managers have to be up to date on all the emerging financial tools and investment instruments now available on the market as well. It is not just manual processes which are taking up their time – wealth managers need all the help they can get from automation as their job roles continue to evolve.

Eradicating the threat of human error and easing time pressures offers greater levels of trust during the customer journey. Over time, the increased adoption of AI will revolutionise the wealth management offering across these crucial processes. This improved security established across wealth management processes will result in prospects looking to the sector as a reliable channel to store their net worth.

[livingstyleup]

Best Industrial Heavy Duty 2518il Tipper Truck

The Ashok Leyland U-2518iL T HD Tipper Truck is a heavy duty truck that is perfect for industrial applications. It has a powerful 6-cylinder turbocharged engine that produces 180 horsepower and 660 Nm of torque. The truck also has a 6-speed Eaton gearbox, air-boosted hydraulic clutch, and full air dual line brakes. It is available with a variety of load bodies, including box, rock, and dropside. If you are looking for a reliable and durable heavy duty Tipper truck for your industrial applications, the Ashok Leyland U-2518iL T HD Tipper Truck is a great option.

[rahulint]

Transforming Business Operations with IYRO ERP: The Modern ERP Solution

In today's fast-paced business environment, companies need to be agile and efficient to stay competitive. This is where enterprise resource planning (ERP) software comes in. ERP systems are designed to streamline and automate business processes, giving organizations greater visibility into their operations and enabling them to make data-driven decisions. In this blog, we will take a closer look at IYRO ERP, a modern ERP solution that is helping businesses across industries to optimize their operations.

What is IYRO ERP?

IYRO ERP is a cloud-based ERP software that provides a comprehensive suite of modules for finance, accounting, inventory management, procurement, human resources, project management, and more. The software is designed to help businesses of all sizes and industries to streamline their operations, reduce costs, and improve efficiency.

IYRO ERP is built on modern technologies and best practices, making it highly customizable and scalable. The software can be tailored to meet the specific needs and workflows of each organization and can grow with the business, allowing companies to add new modules and features as they expand.

Features of IYRO ERP:

Finance and Accounting: IYRO ERP's finance and accounting module provides real-time insights into financial performance, enabling organizations to make informed decisions. The software supports multi-currency transactions, automated billing and invoicing, and financial reporting.

Inventory Management: IYRO ERP's inventory management module helps companies to optimize their inventory levels, reduce stockouts, and increase fulfilment rates. The software supports real-time inventory tracking, automated replenishment, and demand forecasting.

Procurement: IYRO ERP's procurement module streamlines the procurement process, from requisition to purchase order to payment. The software supports supplier management, automated purchase order creation, and invoice reconciliation.

Human Resources: IYRO ERP's human resources module simplifies HR processes, from recruitment to onboarding to performance management. The software supports employee data management, time and attendance tracking, and benefits administration.

Project Management: IYRO ERP's project management module helps organizations to manage projects more efficiently, from planning to execution to completion. The software supports project tracking, task assignment, and resource allocation.

Benefits of IYRO ERP:

Streamlined Operations: IYRO ERP helps organizations to streamline their operations by automating processes, reducing manual errors, and improving efficiency. This results in faster turnaround times, improved accuracy, and increased productivity.

Improved Visibility: IYRO ERP provides real-time insights into business operations, enabling organizations to make data-driven decisions. The software provides a 360-degree view of the business, allowing decision-makers to see the big picture and identify areas for improvement.

Scalability: IYRO ERP is highly customizable and scalable, allowing organizations to add new modules and features as they expand. The software grows with the business, ensuring that organizations always have the tools they need to optimize their operations.

Reduced Costs: IYRO ERP helps organizations to reduce costs by eliminating manual processes, reducing errors, and optimizing inventory levels. This results in lower operational costs, improved profitability, and a better bottom line.

Enhanced Customer Experience: IYRO ERP helps organizations to provide a better customer experience by improving fulfilment rates, reducing lead times, and increasing product availability. This results in greater customer satisfaction and loyalty.

Conclusion:

IYRO ERP is a modern ERP solution that is helping businesses across industries to optimize their operations, reduce costs, and improve efficiency. The software provides a comprehensive suite of modules for finance, accounting, inventory management, procurement, human resources, project management, and more. With its real-time insights and customizable features, IYRO ERP is a powerful tool for organizations looking to stay competitive in today's fast-paced business environment.

[thebusinessfund]

Visit : https://thebusinessfunds.blogspot.com/2023/02/how-to-fund-next-business-property.html

[devsgames]

HOT GAMEDEVS DON'T GATEKEEP

Inspired by this post by @midwinterhunt, here's a compilation of all the game dev resources I have come across, most of which I use fairly frequently. Most of these are free, some are paid but fairly cheap. Feel free to add your own resources. ✌️

Important reminder: When using basically any works or programs someone else created in your games, make sure you thoroughly understand the licenses and terms it has been shared with. If you don't know what the terms are, reach out to the resource and ask. Don't be lazy about this; it's not only dishonest but it can come back to bite you.

Engines

Unity - Best suited for mobile and multi-platform.

Unreal - Tailored for shooters and high-fidelity experiences.

PICO-8 - Virtual console for simple games

Godot - Open source and free!

GameMaker - Good for 2D games

Bitsy - Great little engine for making simple games and experiences

Construct - Never used but have heard nice things

Scratch - If you've never coded before, this is the best place to start. Great for young devs and those who want to get their feet wet.

Adventure Game Studio - Best suited for adventure games

RPG Maker - Best suited for top-down classic JRPG style games

Twine - Text-centric games like Interactive Fiction

Assets

OpenGameArt - Many assets, various licenses, and plenty of CC0 content.

Unity Store - For Unity only. Some free.

Unreal Store - For Unreal only. Some free.

Godot Asset Library

Jean Moreno's Toon Effects - Some of the best effects available on the Unity store. Unity only but I've used them in basically every project.

Steamworks.net C# Wrapper For Unity - Unity only C# wrapper for integrating Steam compatibility to your game

Itch.io - Plenty of free art assets and game dev resources

Kenney - Kenney makes tons of open-source assets for devs to use.

Art

Mixamo - Generates rigs for your humanoid models and lets you apply a library of free humanoid animations to them. Super helpful for prototyping. Adobe.

Blender - Free, open source and fully featured 3D program.

XNormal - Free offline normal map generator

Normal Map Online - Free online normal map generator

Crocotile - Cheap tool for building 3D models from sprite sheets

MagicaVoxel - Free voxel modelling tool

Piskel - Free online sprite drawing tool

Aesprite - Paid sprite drawing tool

TurboSquid - Not always great quality, but can be good source of free placeholders.

Textures.com - Limited texture downloads per day but free for personal use.

Pexels - Free stock photo resource. Most are free for commercial use. Check licenses.

Clipstudio - Good for illustration or graphic design. One time payment.

GIMP - Image editing program a-la Photoshop. Free.

Audio

Audacity - Free and fully-featured DAW/audio editor.

sfx.me - Free 8-bit synth-style sound effect generator for games.

CastingCallClub - Easy forum to find amateur voice talent for your project (p.s.: you should pay them).

FreeSound.org - Free sounds, searchable by license. A go-to for my audio needs.

Incompetech - Royalty-free music by Kevin McLeod.

Scott Buckley Music - Royalty free with conditions. Generally more on the cinematic side of things but very good stuff!

SoundCloud - 'Search -> By Track -> Filter: Use Commercially' leads to songs posted with allowance of commercial use. Always reach out to the artist to understand their terms and confirm that it's okay to use with your project.

Project Planning

Keymailer - Handy for mailing keys to influencers (don't expect a lot of traction unless you're paying for some of the features though).

Trello - Kanban board. Great for organizing tasks, managing bugs, etc. Free.

Notion - Private text and wiki page editor. Good for project organization, note taking, and fleshing out ideas. Free.

Obsidian - Alternative to Notion, with similar features.

Miro - Free whiteboard for organizing thoughts, images, brainstorming, etc.

Wave - Free Bookkeeping site. Great for keeping finances organized.

[cagandante-communistoide]

Obligatory Why is aphobia A Thing ask

-💜

Get ready, this is my manifesto.

Content warnings for mentions of sexual violence and intimate partner abuse.

Before I can answer why aphobia is a thing, I have to answer what aro and ace phobia are, and for that I have to define amatonormativity and allonormativity. And for that, we need to define romance and sexuality as social constructs.

WHAT IS LOVE (baby don't hurt me):

THINGS I WILL NOT BE ATTEMPTING TO DEFINE FOR MY OWN SANITY:

the emotion of romantic or sexual attraction. the question of what these emotions are like is highly individual, partially socially constructed and entirely irrelevant to asking about the effect of certain positionalities in society related to these concepts.

THINGS I WILL BE DEFINING:

the social construct of romance and sexuality and how the dominant relationship model operates in society. Basically, what is considered romantic and sexual and what romance and sex is "supposed" to be, not what romance and sex actually feel like.

So: what is love? Romance is the whole motley of expectations that come with a romantic relationship- monogamy, priority over platonic relationships such as friendship, cohabitation and sharing of all assets and life decisions, and among most people on earth today, heterosexuality and the bearing of children. Sex in society is a social currency, something that is required to secure romantic relationships and for normal human psychology, but that must only be present in certain amounts in the context of a normative romantic relationship (or normal amount of hookups, in some cases) to be considered moral. It is the automatic placement of these models of romance and sex as universal goods, goals to be strived for as well as the “natural” order of things and lack of adherence as significant of some form of problem a la “maybe you have hangups, maybe you have a medical issue, maybe you’re single because you’re a bad person”.

Too much romance and sex (polyamory) or too little (aspec) both fall outside this norm. To not be asexual in any way is to be ALLOSEXUAL, and to not be aromantic in any way is to be ALLOROMANTIC. The status of being somewhere on the asexuality or aromanticism spectrum will be referred to as ASPEC. ACESPEC is for asexual-spectrum and AROSPEC is for aromantic-spectrum. The social construct of romance + its mandatory nature will henceforth be referred to as AMATONORMATIVITY. The social construct of sexual attraction + its mandatory nature and rules will henceforth be referred to as ALLONORMATIVITY. When a statement applies to both amato and allonormativity, I will simply write allonormativity. When it applies only to aromanticism and amatonormativity, I will write amatonormativity. WAIT, BUT IS ALLONORMATIVITY REAL? (yes):

here's some things people who are in romantic and sexual relationships and experience normative attraction on both counts, especially ones that progress into legal marriage, get most everywhere in the world that people who are not don't - regardless of whether they'd want to or not!

Tax benefits. The government literally gives you free money just for being married.

Lower prices for a lot of things: "family rates" for all forms of insurance, tuition discounts for education you have to pay for. additionally:

Greater financial benefits. It's easier to be approved for rent if you have a partner. it's easier to get bank loans and finance expensive things if you're married. If your spouse dies you automatically get insurance payouts and inheritance by default, without probate or even being taxed. A lot of the time your cohabitating partner or spouse is the automatic beneficiary of your financial services. Informally, everything is priced for couples. When there's economic downturn, the default bourgeois media excuse is "if you don't want to struggle financially, get married". Poor economic conditions are used as a lever with which to push people into amatonormativity. Additionally, the only relationship you are financially punished for for legally leaving is marriage through an expensive court proceeding. If your romantic relationship has been reified enough, the incentive to remain in it is literally that you have to hire a lawyer to leave.

Legal recognition. Your next of kin is automatically your spouse. If you are not a minor child and you want someone to inherit your things, make decisions for you when you can't, or receive say, jubilation or insurance payments on your behalf, the only way you can do that without filing power of attorney documents is marriage. The only relationship you cannot leave without going to court is marriage, and the only other people who are so difficult to leave because of societal and legal pressure to cohabitate and share assets with them is your nuclear family. Want to make sure cutting contact with you is so expensive, exhausting, and difficult for another person that they would never even try it? Be in a relationship. Then get married. Also, if you're asexual but in a marriage, your marriage only counts if you have sex with your partner in a lot of places. Allonormativity is a requirement for amatonormativity- the normal definition of romance makes normative sexuality obligatory.

Social currency. Romance and marriage are considered "essential life stages". People in relationships are automatically seen as more functional, more trustworthy, more mature. if you don't express interest in relationships you are labelled mentally ill or antisocial and if you can't get one by a certain point you're labeled a failure of a human being. There is much invested in the social narrative that "everyone's purpose is to find love", and not finding it results in a perception of having failed said purpose. Leaving a romantic relationship, especially for reasons of incompatibility instead of some kind of wrongdoing, is frowned upon. Most benignly, it's seen as an inherent tragedy to leave a partner you didn't want to begin with or don't want anymore. Often, it marks you as a bad person. Romance carries immense social currency as a universal good that washes any situation or person of their horror. See:

In many parts of the world, marital rape and physical abuse is legal to some extent. If you're partners but not married, or it's illegal, then even so partners are the people least likely to be suspected of abuse right after parents, even with proof. Many an abuser has gotten away with obvious abuse just by saying "it's a lover's spat". many forces like misogyny, homophobia, and racism compound this effect, but ultimately what they reify is a system where romance and family are considered automatic goods that negate or permit abuse. "It's okay because he's your boyfriend" is just as common as "it's okay because he's your father". Again: want to have an unhealthy amount of control over another person with complete social acceptability and cover? Be in a relationship. Then get married.

Psychiatric legitimacy. Again, romance and sex are considered automatic goods. Allonormativity asserts that regular romantic and sexual activity within a monogamous heterosexual relationship especially (but not exclusively, this expectation exists regardless of whether any individual subject is accepting of queerness or nonmonogamy) is universal healthy human behavior and should be strived for. Romance and sex are frequently said to be human "needs" and denial of either to another person is almost always treated as an aggression by the person saying "no". If you fall in love and have sex, you are automatically the "healthy" person next to someone who does not. Your reality is the default life goal for everyone, in both casual and clinical settings - whether they want it or not.

AND NOW FOR THE BENEFITS OF SEXUALITY SPECIFICALLY:

Medical legitimacy. Again, you are the "default" healthy option for human behavior. Development of sexual attraction labels you a normal, untraumatized, healthy person by default and doctors will never use your sexuality to question you about your hormone levels or whether you have an intersex condition to be "fixed". Your sexuality is not a currently diagnosable "condition" internationally and people will not suggest physical therapy, medication, or surgical intervention to "fix" you into having sex. (Of course, people who actually DO have medical or trauma related reasons why they don’t have sex who may or may not want to reduce them have a lot of pressure on them to resume “normalcy” as soon as possible - this is an example of the social asexualization of the otherwise allo subject.)

Legal legitimacy: again, marriages are only valid in several places when sex is involved.

Social legitimacy: same applies as for the latter iteration of this but slightly differently- you can lose sexuality based social currency by being polyamorous or otherwise too promiscuous. However, if you have the "correct" amount of sex with the "right" people, you are by default considered a more mature, correct person. You command more trust and inspire more respect than someone who clearly has not had the "right" amount of sex just by being someone who is presumed to do things "correctly", because you've cleared an "essential life stage". You are natural, you are normal, and those are both very powerful social positions to wield over someone who isn't. Just look at how much social currency cis people have over trans people for an example of the same thing. Your relationship is also not at risk because of "withholding sex" in the vast majority of cases (because you are compliant with your partner's "need", of course).

WHAT ABOUT APHOBIA?: WHAT YOU HAVE TO LOOK FORWARD TO AS THE POOR BASTARD WHO IS ARO/ACE

On the flip side is arophobia and acephobia, the bigotry and structural injustice that enforces amatonormativity and allonormativity onto those who do not fit. Here's a trying-to-be-comprehensive list of the smorgasbord of indignities, injustices and inhumanities aro/ace people can be and often are subject to on the basis of their orientation:

Pathologization- asexuality. "Hypoactive Sexual Desire Disorder" is an internationally diagnosable condition in which doctors attempt to "fix" that you don't want sex and are unhappy about it by trying to "fix" the "disordered" sex drive. Because being unhappy about asexuality is something that would only happen because it's wrong, and not because normal sexuality holds immense social, medical, and legal capital, amirite? If you need to be explained why taking a natural harmless variance in sexual orientation and making it a "disease" to be cured is wrong, ask yourself if you think homosexuality should still be a disorder to be "treated" with medications and conversion therapies.

Pathologization- aromanticism. Romance is considered a "need", a universal part of life and achieving a romantic partnership is considered a universal good even in clinical settings. Not desiring romance is considered a sign of antisocial behaviors associated with a range of pathologies, including depression, social anxiety, avoidant personality disorder and conduct disorder/antisocial personality disorder. Every single aromantic person I have ever met, whether personally or in passing, who has set foot in a psychiatric setting has experienced some form of conversion therapy through continued harassment to date or through abuse of medication. ALL OF THEM. It is legitimately unavoidable.

Legal disadvantage: all of the above privileges reserved for romantic partnerships, especially marriages,  are barred from aromantic people either entirely or functionally through the creation of a long, difficult process to achieve the same thing marriage gets by default. If you are alloromantic but asexual, all of the above privileges reserved for marriage can be revoked if your marriage is declared invalid due to lack of sexual activity or your partnership is dissolved because of your asexuality. In addition, while aro/ace people are subject to almost all the same indignities of homophobia + aphobia, we are functionally not considered a protected class anywhere where homosexuals are because allonormativity obscures and denies our very existence. This is the third of many examples of how being aspec is its own positionality which intersects with and worsens other queerphobia, and how allo queer people benefit from specifically not being aspec. I will elaborate on this later.

Financial disadvantage: as opposed to the legal category where if you waste enough time in court you might be able to appoint someone with the same rights and benefits to confer upon you (given that they are not prioritizing their own romantic + sexual relationship), aro/ace people will NEVER benefit financially from the structure of the economy being designed to reward couples. I hope the above list has explained sufficiently why this is significant and that the preference for romantic relationships monetarily is not at all a victimless or neutral happenstance.

Social neglect + abuse due to allonormativity: Do you perhaps enjoy everyone you know and love leaving you behind because they have significant social and financial incentive to prioritize their romantic relationships over you? How about being considered automatically less valuable to your partner because you won't have sex with them, or less valuable to the people you love because your relationship is purely platonic compared to a partner that literally waltzed in a few months ago? Do you salivate at the thought of being bullied everywhere from school to your home to your doctor's office for being a virgin? How about for being single and never dating? Do you derive enjoyment from being called homophobic slurs without, contrary to popular belief, being able to "opt out" of it by saying you're not gay? Do you like seeing every person who is like you treated as a joke, a crazy, presented as an unnatural perversion of human behavior and mocked resoundingly in every public sphere as a human who has failed to mature? Who has failed to develop humanity? Do you enjoy the thought of the definition of what makes people "human" excluding you? No? Too bad. You can look forward to this anyway.

Corrective violence, including sexual harassment, molestation, assault, all forms of abuse and murder, especially for rejecting an allo’s advances and/or in the context of intimate partner violence.

Homophobia from straight people, and aphobia from allosexual queer people as well. Remember, the other marginalized groups still benefit from being more "normal" than you! But you're not oppressed, because you're not gay.

HEY, NONE OF THIS IS EXCLUSIVE TO APHOBIA! IT'S ACTUALLY HOMOPHOBIA/MISOGYNY! (deep sigh) :

You're right, it isn't. But no analysis of bigotry is about having a "unique experience". It's about identifying the ways in which society is designed to hurt you, in which other people have power over you, and who benefits from your suffering.

A gay person and an asexual have the same experience having a slur hurled at them for denying a straight person's advances. But a gay person and an asexual person do not have the same experience going to the doctor and mentioning their sexuality, because it is entirely likely and extremely common that a gay person gets to walk away free and an asexual person is diagnosed with "hypoactive sexuality". An asexual person does not have increased social license by established norms about sexuality and romance to rape their partner for denying them garlic bread, but a gay person wields the power to do so to their asexual partner and have it justified by "they were denying me sex. They’re being cruel to me by denying me this when it means so much to me". A gay person can sexually harass an asexual on the basis of their virginity with "why haven't you had sex? you should really do it. stop being frigid. go to the doctor, that's not normal. maybe it's a hormonal imbalance", or say things like “All these people are virgins now because they’re afraid of sex. All these people are single now because they have bad personalities." without having it questioned. A gay person, in many countries, can reap the benefits of marriage, and aromantic people famously do not often wish to marry. The aspec experience is to have this denied - asexuals and aromantics cannot be victims of the homosexual or heterosexual in the allo imagination because the aro or ace is not real to them. They are always a perpetually shifting list of character defects but never a real class of people. Just a disease to be eradicated. Something wrong with an otherwise allo person - a failed allosexual, but also someone who has deliberately reneged on their humanity and thus forfeited dignity or even existence in the public consciousness. Invisibility for us is not safety. It is our guillotine.

You can be oppressed for your sexuality and still be privileged for NOT being aspec. Being aspec is its own positionality, and our oppression is specifically targeting US. We are not caught in your crossfire, or anyone else’s. You, reader, whether you be a woman or homosexual or transgender or nonwhite, may have similar experiences as described. But if you are allosexual, you will never experience it for BEING aspec. You can opt out of aphobia, you are privileged on the basis of your allosexuality and alloromanticism. I can not "opt out". I will always experience meaningfully different and more social scrutiny on basis of sexuality than you, allosexual reader, ever will, because every single allosexual and alloromantic can wield aphobia towards aros/aces. Yes, even if you're gay. THAT is aphobia. AND NOW ONTO THE HORRORS OF CAPITALISM:

Now it's time to answer the original question: WHY does aphobia exist? Well, let's think about what else romance and sexuality are. They're extremely useful tools. Ever since there has been a class of people who lived off the labor of others and a class who had nothing to sell but their labor, there has been financial incentive for the former to make sure there is a steady supply of the latter. The next generation of serfs, peasants, and later proletariat needed to be secure for an economic model in which a select few live entirely off a many laboring on their private property to survive. And what better way to do that than to enshrine the two emotions most associated with reproduction as mandatory parts of life? To then construct a model of romance and sexuality that rewards those who create an easily traceable geneaology as property for the patriarch and continue producing children to become laborers without creating children that would complicate this process, and punish those who do not?

Tie sex to marriage and that’s more incentive for people to marry just to have sex. Make the process of reproduction a mandatory aspect of life. Make it so that it’s only acceptable with your spouse, who has control over your finances and legal processes to some degree (it was very common in feudalism for the wife to outright be a husband’s property), to tie you to that person forever, and then make it a very socially elevated role to fill and a very hard bond to break to make sure the maximum amount of people keep reproducing with one family patriarch for as long as possible. What’s the end result? A socially engineered values system which serves to ensure that there will always be new laborers in the working class, because every person MUST marry and MUST have sex with their partner and therefore must reproduce. This is the same reason homophobia exists economically, except allo gay people wield additional social capital over aspecs by subverting the direction allonormativity expects you take in terms of partnerships instead of eschewing it. Why? Capitalism can still sell allonormativity back to allo queers with some slight tweaks. That’s not to say that the gains of allo queers are not significant liberation from homophobia, but it’s just that - it creates holes in homophobia. Holes in homophobia for gays that are “close enough” to how things are “supposed” to be done, at that. It does nothing to address the allonormative cisheteropatriarchal superstructure that creates both homophobia and aphobia. For example, it is extremely important for gay people to earn the right to marry, but then the institution of marriage which creates a single standard for a “correct”, respectable relationship and then rewards compliance for it is not questioned at all by that step. It just expands the box you are allowed to be in slightly, and ultimately reifies the same institution from which homophobia stems - allocisheteropatriarchal capitalism and its legal code. Detractors then argue that gay marriage isn’t “real” marriage or isn’t moral, and the purely gay positionality oriented argument against this (that being that attaching morality to gender of partner is a construction of heteronormativity and is artificial), while correct, fails to destroy the angle from which this bigotry continues to emerge repeatedly - that being that ALL the trappings of the “normal, moral, natural” relationship are artificially constructed and oppressive in nature. Including the institution of marriage itself. Aphobia is a thing for the same reason racism, homophobia, and misogyny are a thing: it has made the bourgeoisie money for generations. It is a social invention inherited from feudalism that serves the same purpose as it ever did- population control for the army of laborers.

[kiwriteswords]

KiWritesWords Masterlist

Last Updated: November 5th, 2024 Most Stories Also Posted to: AO3 Tag List Requests: Currently Open!

*: Includes Smut, 18+ Themes, NSFW, Etc.

Birthday Revelations [Aaron Hotchner x Derek's Sister!Fem!Reader]

Summary: Reader is Derek's Sister, but despite dating Hotch, nobody has caught up on the connection...until now!

Word Count: 1.1k

Tags/Warnings/Genre: Fluff, Birthdays, Big Brother!Derek, Non-BAU!Reader, Fem!Reader

I Promise You This* [Aaron Hotchner x Female!Reader]

Summary: Y/N, the newest and youngest profiler in the BAU, is haunted by her past—an abusive relationship and an illness she keeps hidden from her team. Though skilled in her work, she distances herself emotionally, fearing vulnerability. Aaron Hotchner, her reserved and perceptive boss, begins to notice the cracks in her carefully constructed walls as they navigate high-stakes cases together. Drawn to her resilience, Hotch finds himself increasingly protective of Y/N. As their bond deepens, both must confront their own emotional barriers, leading to an unexpected connection amidst the darkness of their work.

Chapters: 3/45

Tags/Warnings/Genre: Romance, Slow Burn, Fluff, Eventual Smut, Angst, Canon-Typical Violence, Canon-Typical Behavior, Drama, Chronically-Ill!Reader, Past Abuse, Re-Write from 2021.

A Gentle Beginning* [Aaron Hotchner x Shy!Female!Reader]

Summary: In the quiet safety of Aaron Hotchner's arms, you take a vulnerable step into uncharted territory, finding solace in his patient tenderness. As your shy nature meets his careful affection, the bond between you deepens in this intimate first moment, where love speaks louder than words.

Word Count: 500

Tags/Warnings/Genre: Implied Smut, Drabble

Balances of Trust [Aaron Hotchner x Wealthy!Female!Reader]

Summary: When you and Aaron Hotchner decide to open a joint bank account, it feels like a simple next step in your relationship. But as you discover more about Aaron’s financial stability, you realize there’s still a lot you don’t know about the man who lives so modestly yet carries so much responsibility. In a quiet moment of trust and partnership, you both learn that there’s more to this journey together than meets the eye.

Word Count: 600

Tags/Warnings/Genre: Finances, Sharing of Assets, Wealthy Reader, Drabble

Exposed*[Aaron Hotchner x Shy!Female!Reader]

Summary: Drabble prompt: "Getting undressed in front of each other for the first time."

Word Count: 1.1k

Tags/Warnings/Genre: Canon typical themes, canon typical violence, angst, undressing, intimacy

A Leap of Trust [Aaron Hotchner x Female!Reader]

Summary: Drabble about "Discussing things that set themselves up to be hurt and trusting that the other won't take advantage of it."

Word Count: 1k

Tags/Warnings/Genre: Canon-Typical Themes, Trust Issues

I find myself runnin’ home to your sweet nothings [Aaron Hotchner x Shy!Fem!Reader]

Summary: After sneaking away from the intensity of the BAU for a quiet afternoon at a cozy café, you and Aaron Hotchner finally find a moment to relax. Surrounded by the warm scent of coffee and soft chatter, your usual shyness fades, and you accidentally let a pet name slip. To your surprise, Aaron teases you gently, but the exchange brings a new layer of affection to your growing bond. With sweet words and tender moments, the two of you discover how natural it feels to let your guard down around each other, leading to a deepening connection that neither of you can deny.

Word Count: 1.9k

Tags/Warnings/Genre: Canon-Typical Themes, Pet Names, Fluff

The Weight of Mistakes [Aaron Hotchner x Shy!Fem!Reader]

Summary: In the midst of a high-stakes case, tensions run high when a small mistake nearly derails the BAU's progress. The shy reader feels the weight of her error, fearing she has disappointed Hotch and the team. As emotions flare and self-doubt creeps in, she finds herself in a vulnerable confrontation with Hotch, where truths are revealed and insecurities are laid bare. What starts as a difficult conversation may become a moment of understanding and connection that neither of them expected.

Word Count: 800

Tags/Warnings/Genre: Canon-Typical Themes, Angst, Hurt/Comfort, Scolding!Hotch

In The Quiet* [Aaron Hotchner x Shy!Fem!Reader]

Summary: Drabble Prompt: "Discussions of kinks that they're embarrassed/self-conscious of”

Word Count: 600

Tags/Warnings/Genre: Sexual themes, NSFW, 18+

The Fear of Falling [Aaron Hotchner x Shy!Fem!Reader]

Summary: In the high-stakes world of the BAU, you and Aaron Hotchner have shared a quiet, unspoken connection that began as something casual, a way to find comfort amid the chaos. But when a routine case leaves you critically injured, Hotch is forced to confront the depth of his feelings. As he anxiously waits by your side, fearing the worst, Hotch realizes that losing you would break him in ways he never expected.

Word Count: 3.5k

Tags/Warnings/Genre: Sexual Themes, Canon-Typical Themes, Angst

If Every Word I Said, Could Make You Laugh, I'd Talk Forever [Aaron Hotchner x Female!Reader]

Summary: Drabble of Reader and Hotch getting engaged

Word Count: 1.6k

Tags/Warnings/Genre: Fluff, engagement

And then I go and spoil it all by saying something stupid like, “I love you.” [Aaron Hotchner x Shy!Fem!Reader]

Summary: Five times you were shy around Aaron Hotchner because of your underlying feelings for him + one time, Aaron Hotchner was shy around you because of his underlying feelings for you.

Word Count: 5.2k

Tags/Warnings/Genre: alcohol consumption, slow burn, 5+1

Between Almost and Always *[Aaron Hotchner x Female!Reader]

Summary: You and Aaron Hotchner share a bond that runs deeper than either of you dares to acknowledge. Caught between the demands of the BAU and the unspoken pull toward each other, you both struggle to balance your feelings with the fears that keep you apart. As fate and duty continue to intervene, Hotch's silent sacrifices and your unrelenting hope create a tension that neither time nor distance can dissolve, leaving you both to wonder if love will ever break through the almosts and become an always.

Word Count: 14.2k

Tags/Warnings/Genre: angst, fluff, pining, yearning, slow burn, smut, fade-to-black, 18+

In Sickness and Secrets [Aaron Hotchner x Female!Reader]

Summary: You and Aaron Hotchner have just begun a secret relationship, carefully navigating the fine line between personal feelings and professional responsibilities. Both of you are fiercely dedicated to your work, but fate has pulled you together in ways neither of you expected. When you suddenly fall ill during a case, it sets off a chain of events that forces Hotch to confront his deepest fears and the team to question the nature of your bond. As your relationship is put to the test, you both must decide whether the risk of exposing your feelings is worth the chance of having something real.

Word Count: 3.4k

Tags/Warnings/Genre: canon-typical themes, angst, fluff, hospitals, passing out, stomach pain, surgery.

If put to the test, would you step back from the line of fire?* [Aaron Hotchner x Female!Reader]

Summary: New to the BAU, you quickly find yourself at odds with the unit’s stoic leader, Aaron Hotchner. What starts as a clash of wills and a battle of stubbornness soon transforms into a connection neither of you anticipated. With each case you work, your fire-fueled banter and undeniable tension grow, challenging your carefully constructed walls. As you both navigate the line between professional rivals and something more, you’re forced to confront the truth you’ve been hiding—from each other and yourselves. In a world where control is your armor, letting someone in could be the biggest risk you’ve ever taken.

Word Count: 19k

Tags/Warnings/Genre: canon-typical themes, angst, fluff, injuries, fade-to-black smut, sexual tension, banters, enemies-to-lovers, suggestive comments, 18+.

You showed me colors you know I can’t see with anyone else [Aaron Hotchner x Female!Reader]

Summary:  In the midst of an already stressful workweek, you notice a troubling shift in Aaron Hotchner’s behavior. Once warm and attentive, Aaron has grown distant, leaving you questioning what went wrong. As you try to navigate his sudden coldness, a casual conversation with JJ and Penelope might hold the key—one you didn’t realize Aaron overheard. The revelation sends Aaron spiraling into insecurity, causing him to pull away, leaving you in the dark. Now, with your relationship hanging in the balance, you must figure out what’s troubling Aaron before it’s too late. Can you bridge the gap between you, or will unspoken fears drive you apart?

Word Count: 1.8k

Tags/Warnings/Genre: canon-typical themes, angst, fluff, insecure!hotch, mentions of a one-night-stand.

Professional Distractions [Aaron Hotchner x Secretary!Fem!Reader]

Summary:  Aaron Hotchner thrives on control, order, and precision in both his work and personal life. But when a new secretary is assigned to his team, Hotch finds himself facing a different kind of challenge. Confident, witty, and effortlessly intriguing, she quickly becomes a presence he can’t ignore. As their professional boundaries blur, Hotch is forced to confront feelings he never expected, and the calm, controlled world he’s built begins to shift in unexpected ways.

Word Count: 8.9k

Tags/Warnings/Genre: canon-typical themes, fluff, flirting

Tonight, you're on my mind, so you'll never know...* [Aaron Hotchner x Female Reader]

Summary:  Years have passed since you and Aaron Hotchner first crossed paths, but the connection you shared has never truly faded. In the wake of personal loss and career demands, your lives have taken different directions, leaving unresolved feelings and unspoken words lingering in the background. As fate pulls you back into each other’s orbit, you must navigate the delicate balance between duty, grief, and the possibility of rekindling something you thought was lost forever. In a world of danger, distance, and emotional walls, will you and Aaron finally confront the past—or let it slip away once more?

Chapters: 2/4 or 5

Tags/Warnings/Genre: Canon-typical themes, sexual themes, hurt/comfort, angst, pining, mutual pining, spoilers for Criminal Minds seasons 1-12, friends to lovers, first-time, loss of virginity, grief, trauma

Wicked Game [Series, but can be read alone]

It's strange what desire will make foolish people do* [Aaron Hotchner x Female Reader]

Summary:  After years away from the BAU, you return to the team you once called home. Some things feel familiar, but your dynamic with Aaron Hotchner has changed. What started as playful banter now carries an undercurrent of something more, and the line between professionalism and desire begins to blur. In a world where control is key, the tension between you and Hotch is about to reach its breaking point.

Word Count: 11k

Tags/Warnings/Genre: Slow Burn, Fluff, Angst, Sexual Tension, Undercover Mission, Mutual Pining, Unresolved Sexual Tension, Banter, Teasing, Emotional Vulnerability, Flirting, Team Dynamics, Slightly Suggestive Themes, Brief Mentions of Violence (related to the case), Tension Build-Up, Slight NSFW, professor!reader if you squint

And I never dreamed that I'd lose somebody like you* [Aaron Hotchner x Female Reader]

Summary: Years ago, you were a key part of the original BAU team, working alongside Gideon, Rossi, and Aaron Hotchner. After leaving for academia, Rossi convinces you to return, pulling you back into the field you once thrived in. Known for your bold, flirty attitude—especially with Hotch—you quickly find that the tension between you has only grown stronger. But after a night together with Hotch, everything changes. The playful banter becomes more complicated, and the lines between personal and professional start to blur as you both struggle with unresolved feelings.

Word Count: 14k

Tags/Warnings/Genre: Romance, Slow Burn, Fluff, Angst, Banter, Unresolved Sexual Tension, Tension, Flirty!Reader, Vulnerable!Hotch, Established-ish Relationship, Emotional Conflict, Workplace Romance, Team Dynamics, Protective!Hotch, Teasing, Emotional Hurt/Comfort, Explicit Language, Sexual Content, Violence, Physical Injury, Emotional Angst, Flirting, Power Dynamics, Professional Boundaries, Relationship Tension, Angst with a Happy Ending, Part of a series but can be read as a standalone.

This world is only gonna break your heart [Aaron Hotchner x Female Reader]

Summary: Having once worked closely with Aaron Hotchner on the original team, you always knew how to push Hotch’s buttons in the flirtiest way. Now, with a second chance at working together, the chemistry between you and Hotch is impossible to ignore. Though you’ve begun seeing each other in secret, nothing has been officially defined between you. As you work together on a dangerous case that threatens both your lives, the complexities of your relationship grow even more intense.

Word Count: 13k

Tags/Warnings/Genre: Romance, Slow Burn, Fluff, Angst, Banter, violence, blood, injury, medical procedures, torture, kidnapping, strong language, sexual tension, emotional distress, near-death experiences, guns, workplace romance, mentions of past trauma, manipulation, power dynamics, brief mentions of death, explicit descriptions of pain, psychological manipulation, Part of a series but can be read as a standalone.

I never dreamed that I'd love somebody like you* [Aaron Hotchner x Female Reader]

Summary: Returning to the BAU after years as a professor, you’re back on familiar ground—but nothing’s quite as it was, especially with Aaron Hotchner. As his former partner, you were known for your bold, flirtatious banter and your knack for pushing his buttons, and it turns out that some things never change. Now, with a relationship between you finally taking shape, the two of you find yourselves not only dodging dangerous criminals but also a mandatory sexual harassment seminar for “workplace conduct.” When a high-stakes case hits too close to home, Hotch’s patience and your guarded heart are put to the test. As you grow closer to his son, Jack, and face new fears of letting someone in, Hotch is there, helping you break down your walls. Amid the chaos of both the field and your feelings, you both begin to realize that sometimes, true trust is the most dangerous—and the most rewarding—risk of all.

Word Count: 15k

Tags/Warnings/Genre: soft smut, sexual themes, suggestive dialogue, mentions of trauma, canon-typical themes, canon-typical violence, fluff, romance, confession of love, angst, comedy, team bonding, mentions of sexual harassment. Part of a series but can be read as a standalone.

Rule Followers* [Aaron Hotchner x Female Reader]

Summary: After disclosing your relationship, you and Agent Hotchner are required to attend a mandatory workplace boundaries seminar, joined by Morgan and Garcia, who seem to be thoroughly entertained by the situation.

Word Count: 2.1k

Tags/Warnings/Genre: Suggestive Language, Implied Sexual Content, Potential Hint at Brat-Tamer!Hotch, Workplace Romance, Mild Workplace Tension, Humor. Part of a series but can be read as a standalone.

[octuscle]

I want to turn myself into a twinky fuck toy for a wealthy man. Can chronviac help me with that?

Well, as they say, everything's bigger in Texas… I'm a junior partner in a large New York asset management firm. We take care of the high net worth clients. To get into our client file, you have to have over USD 100 million in free liquidity. Our clients are demanding. But we are the best. And we do everything for our customers. Really EVERYTHING!

When I took over the clients of a colleague who had retired a month ago, I thought Chuck Tex was a stage name. Until I had my first appointment with him. His record was more than impressive. Heir to old oil and cattle nobility. Classic career of the Texas oil barons. School in New England, studied in Paris, Oxford and Zurich, founded his first start-up company at the age of 20. And sold at 25 for USD 500 million. Now in his mid-30s, he had not yet inherited a cent from his family, but thanks to his excellent education and connections, he had already amassed a fortune on a par with that of his old man. I expected… Actually, I had no idea what I was expecting… But I certainly didn't expect this:

Chuck looked like a porn star. Or a marriage fraud. Or just like a man who I couldn't wait to throw me on the bed and fuck me mercilessly. His handshake was firm, but finely dosed just before the pain threshold. His gaze could certainly cut through steel plates. But I was a professional, I kept my composure. After I asked him what I could do for him, he got straight to the point. First of all, he needed some cash for his stay in New York. USD 10,000 would be enough. Gladly 100 dollar bills. But hot off the press, please. That was no problem. I sent a short memo to my assistant and she would take care of it. But the real reason for his visit was a project in Greenwich Village. He had bought a few buildings there that he was renovating. His aim was to restore the Village to its former charm. That's why he wanted to create cheap apartments, studios and stores and eliminate expensive office space. The whole thing was not intended as an investment, more as a hobby. A kind of gay and creative Disneyland. I briefly wondered why I wasn't actually a billionaire… And then I asked Chuck what my role was. Whether I could help with the financing or with saving taxes.

Chuck just grinned. No, saving taxes wouldn't fit in with his understanding of patriotism. And he would have financed it all with his last start-up exit. But he would need someone to take care of the real estate. Someone to ensure the right tenant mix. Someone to give his studio apartment the right finishing touches. I briefly went through my network in my mind. I had a gay acquaintance who owned a number of bars and restaurants. And I also knew a good project developer. And one of my school friends was a hip interior designer. I smiled and said I probably had just the people he needed. Chuck smiled back. It made my heart stop. He didn't want anyone from my network. He wanted me. I was about to say that I was flattered, but that I wasn't available for such projects right now. But instead I said "Of course, Daddy". Did I want to accompany him to the construction site? "If I may, Daddy!" At that moment, my assistant came in with a bundle of freshly pressed banknotes. Chuck smiled and said he needed me for the rest of the day. Please cancel all my appointments. I nodded to her and followed Chuck like a dog to its master.

In his limousine, Chuck asked me if I had ever been to Texas. I answered in the negative. But the boots I was wearing looked authentic. Yeah, they were my pride and joy. But I wouldn't have ridden a bull yet. I shook my head and giggled like a schoolgirl. Chuck kneaded the bulge in his pants and said that I would definitely be fucked by a bull today. I only got out a "Thank you, Daddy". Chuck let me sit on his lap. He undid another button of his silk shirt and exposed his right nipple. Like a puppy on its mother's teat, I began to suckle. Chuck kneaded my bulge and said that I was a good boy.

The car came to a halt in the second row in front of an old brick building. The walls were covered in high-quality graffiti. There was a closed table dance bar downstairs and some kind of jewelry store upstairs. Some kind of jewelry on display. Made of stainless steel. On closer inspection, piercing jewelry, cock rings and stainless steel dildos. I looked in the shop window like a child in the window of a candy store. Chuck took my hand, pulled me into the stairwell and told me that I could choose something later if I was good. He stroked the long hair on the back of my neck. I love my Mullet. I look a bit like the young cowboys on Daddy's Daddy's farm.

We had just arrived at Chuck's empty apartment when I got down on my knees in front of him and unbuttoned his pants. "First you strip for me, boy," Chuck ordered. He tossed me a cowboy hat that was in a closet. "Everything but your briefs, boots and hat!". Eagerly awaiting the reward, I did everything I was told to do. "And now lube yourself up". He threw me a bottle. And I did as I was told. I could feel my hard-earned muscles disappearing. I felt younger and younger. Although it was hard as steel, my cock was getting smaller and smaller. "I think you need a little more decoration, boy," Chuck said and put a chain on me. Satisfied, he looked at me as I sat on the floor and could hardly wait for my reward.

Chuck took his boner out of his pants. And I leaned back in anticipation. I wanted to be a good houseboy. And today was the housewarming party.

Chuck's pic found @mensuited, yours @hellishin

[opencommunion]

"The Israeli government’s creation of the linked property account [between the frozen assets of Iraqi Jews and the stolen property of Palestinians dispossessed in the Nakba] was a singular act — something of a historic milepost—that constructed a zero-sum equation between the Jews of the Arab countries and the Palestinians in Israel. The political theory that underlay the Israeli government’s construc­tion of that equation rested on a system of moral, diplomatic, and economic assumptions that resulted in a practice of nationalization and naturalization that was riddled with contradictions. The government of Israel automatically assumed that the Jewish ethnicity of the Iraqi Jews meant that they harbored a Zionist orientation. It 'endowed' them de facto with that particular form of national identity before they had any intention of immigrating to Israel, and certainly without having obtained their consent. The Foreign Ministry was aware that the Iraqi Jews could not be considered refugees, still less citizens of Israel. The process of nationalizing and naturalizing the Iraqi Jews — while they were still in Iraq — was collective rather than individual. The par­ties in question were not consulted. As Sharett put it, 'I said that we shall not rely on the free choice of the refugees, but that this is a question of an agree­ment between states.' On the basis of this naturalization, the Israeli gov­ernment 'appropriated' the property of all of Iraq’s Jews in order to utilize it — rhetorically, symbolically, and judicially— as state property in every re­spect.

... In 1975, the newly established government-financed pressure group known as the World Organization of Jews from Arab Countries (WOJAC) ar­gued that Palestinian refugees should not be allowed back into Israel, since an involuntary population exchange had already taken place in the Middle East. ... WOJAC too held the same attitude as the state toward the property claims of the Iraqi Jews, maintaining that they should be used to enhance the bargaining power of the Israeli gov­ernment, not to support individual claims. The government of Israel has cap­italized on the population exchange argument to deny the rights of the Palestinians to return to Palestine or to claim compensation for their 'lost' property.

... The Jews of Iraq became hostages of—and a fig leaf for —the Israeli gov­ernment in its efforts to divest itself of responsibility for compensating the Palestinian refugees. The conceptual model that guided the Zionist leader­ship vis-a-vis the Jews of Iraq, as with other communities, held that Jewish identity and Zionist identity were one and the same. The national leadership assumed a monopoly over the community and its property, even though nei­ther the one nor the other was located in its territorial domain. ... A condition of the trade-off equation was that the Palestinians' national identity be annulled, and that they be regarded as part of a 'united Arab na­tion' that included Iraq. That approach forged one of the most pungent il­lusions harbored by Israel in its brief history ('There is no Palestinian peo­ple,' as Israeli Prime Minister Golda Meir used to say). The trade-off equation cynically constructed the interests of Arab Jews and Palestinians as conflicting a priori."

Yehouda Shenhav, The Arab Jews: A Postcolonial Reading of Nationalism, Religion, and Ethnicity (2006)

[jexistheblogger]

Global Business Loans for Business Growth

QI Capital has a team of seasoned Capital Investment Advisers here working globally. Our Private Investment Pool are seeking new partners in diverse industry sectors who are in need of long term Capital Investments of any size, for Business Growth, M&A or Refinance. We also offer an independent negotiated commission to consultants/brokers for any successful partnership referral. Contact us Today for a Free Evaluation.

Tel/Fax: +6568094050

Email: info@qicapitalpte.com

Website: www.qicapitalpte.com

[onlinewordworld]

Ashok Leyland Trucks and Clutch Kits at DeluxeTrucks Kenya with Asset Finance

Discover high-quality Ashok Leyland trucks and 9016 clutch kits at Truckmart. Ideal for the construction industry, our durable trucks ensure maximum performance. Benefit from our flexible asset finance options to purchase your trucks effortlessly. Visit DeluxeTrucks Kenya today for the best deals on construction trucks and reliable parts.

[myemuisemo]

While I was pondering whether Mrs. Douglas had a "freeze" reaction to trauma in chapter V of The Valley of Fear, chapter VI appeared with the answer, and I fear Letters from Watson will soon provide chapter VII, so let's get cracking.

There are three things top of mind for me today:

The Panic of 1873

Yews

Dumbbells

The Panic of 1873

When I worked out the timeline for Cecil Barker's recounting of "we did this for five years and this for one year," etc., etc., assuming that the story takes place in late 1888 or early 1889, the year I got for Barker's likely arrival in the U.S. was 1873.

That's significant: he set off to make his fortune, ending up in the gold fields of California, about the time that a global depression was starting.

The short version of the Panic of 1873 is that after the Civil War, U.S. railroad bonds (that is, the debt used to finance railroad construction) were the hot investment, not just in the US, but in Europe, especially Germany. Nineteenth-century investing was mostly in bonds -- this is why people talk in Victorian novels about having investments in 3-percents that pay 10,000 pounds a year, or similar. When you invested your money, the company was literally in debt to you, and it paid you a safe "coupon" of interest on that debt.

Not all bonds were the same. People were "ruined" by investing in companies that did not have stable cash flow or were outright fraudulent.

The initial problem in 1873 was not with the railroads, though, but with trading in the bonds. When German investors moved on to other investments, there were too many railroad bonds running loose, causing their value to plummet. That took out a US bank that had a hefty investment in those bonds, as their asset value dropped. The bank failure caused a panic, which cascaded through the system. This article and this one explain some of the specifics.

Anyway, Cecil Barker seeks his fortune abroad at a time loosely equivalent to the Great Recession of 2008.

In 1873, California was wrapping up efforts to exterminate native peoples -- no, I'm not exaggerating. This was not covered in 4th grade state history, 5th grade U.S. history, nor 8th or 11th grade U.S. history when I was in school!

By 1873, Gold Rush hysteria was over and some of the original sites in the Sierra Nevada foothills had been largely mined-out and abandoned, though mining still continued where it could. San Francisco was establishing itself as "the Paris of the West." The Central Valley, where I live, was getting rail built down its length, with towns established at various points for taking on fuel and water, as well as for picking up wheat and other crops that didn't require intensive irrigation (which wouldn't arrive for ~40 years).

It's not me, it's YEW

After decades of reading British novels, I have finally looked up what a yew is. I'd always envisioned something like the Chinese juniper that's planted everywhere around here: a low, dense hedge with soft packets of needles and a pungent, dusty scent.

Nope. I far underestimated the yew. It is a tree that makes Tolkien's Ents look small and non-threatening. Visit this yew-focused page to see the most terrifying trees. The existence of the yew also explains folktales of the British Isles where fair folk live in hollow trees. Yikes.

The yew traditionally symbolizes death, so the yew hedge is an excellent place to hang out after one's husband is mysteriously murdered.

(While you're there, the Ancient Tree Inventory is great for hours of exploration and arboreal terror.)

Where is the missing dumbbell?

The fact that Douglas has dumbbells at all is interesting, as the physical culture movement only really took off in the US in the 1880s, and it was slower to arise in England due to a greater cultural emphasis on "games."

He may have been influenced by his German first wife, as it was German immigrants in the 1850s who popularized the "Turner" movement of liberal political philosophy and physical fitness, the latter through vigorous gymnastics. Turnverein had a significant role in bringing PE into American schools.

Depending how one interprets the dumbbells, Douglas could be:

Forward-thinking

Eccentric

Worried about physical attacks or about aging

Very into German culture

We can't ask Mrs. Douglas, as, per Cecil Barker, Douglas' "perfect" trust in her did not include telling her... oh, anything actually important about his life.

I really want to know who was using whom in this household.

[astrojulia]

Navigation:   ੈ♡˳Masterlist    ੈ♡˳Template

       ੈ♡˳Askbox    ੈ♡˳Arts credit

2th house through the signs

ARIES. Your independence and freedom are extremely important to you, and this is reflected in the way you handle money and personal resources. While you may make impulsive purchases, you also have a strong drive to reach financial security and are quite aggressive in your pursuit of it. It's important to note, however, that managing stress and impulse buying is key to maintaining a healthy budget. When you're invested in a project, you have a strong work ethic and are willing to put in the effort to get the job done quickly and efficiently. You might find that you thrive in fields related to construction, mechanical design, or architecture, as these industries can help you build a strong financial foundation. Professions such as police work, military service, firefighting, and manufacturing can be especially lucrative for you, as you have a strong desire to make money and are confident in your ability to do so. It's clear that your financial situation is tied to your self-esteem, and achieving financial success can make you feel even better about yourself. Overall, it's important to strike a balance between your desire for financial security and your impulsive tendencies. With the right mindset and a bit of careful planning, you can achieve your goals while maintaining a healthy relationship with money.

TAURUS. You have a down-to-earth and practical approach when it comes to managing your finances, and you place a high value on security and convenience. You have a great talent for handling money and are known for being dependable and sensual. You take a realistic approach when making investment and savings decisions, and while you may sometimes be stubborn when it comes to financial advice, it has helped you save money in the past. Although trusting your intuition has worked in your favor before, expanding your knowledge of financial institutions like banks and brokerages could benefit you even further. You have a keen interest in the arts and entertainment industries, which offer great potential for financial success. Your desire for wealth is driven by a passion for acquiring luxurious and valuable items, and you may have expensive tastes. While you occasionally indulge in impulse purchases, you generally have a practical approach to money and excel in business. With your skills, quick monetary gains are definitely within reach.

GEMINI. You have a lot of great ideas for generating income. However, it's important to keep in mind that you tend to let money slip away, so it's a good idea to be mindful of that. Your intelligence and quick thinking skills are definitely assets, but try not to jump too quickly from one venture to the next, as it may cause some turbulence in your financial affairs. It might be helpful to consolidate your interests a bit, rather than spreading yourself too thin. If you're looking to diversify your approach to earning a living, switching careers or exploring new investments could be great options for you. You have a knack for developing creative ways to improve your financial foundation, so don't be afraid to try new things. There are plenty of opportunities out there, particularly in fields like teaching, writing, transportation, and tourism. One thing to keep in mind is to avoid mixing finances with family or neighbors. You approach your finances from a logical perspective, which can be helpful, but it's important not to get too caught up in fretting about your finances or developing overly complicated budgets and plans. The good news is that you have the ability to adapt to any financial situation, so you'll be able to navigate whatever comes your way.

CANCER. You value financial security and stability, which is totally understandable. You like to have a safety net and make sure you can take care of yourself and your loved ones. Family may play a role in how you manage your money, but you're creative and resourceful when it comes to finding ways to keep your hard-earned cash safe. You're a caring and generous person, and you may be inclined to give to others or support causes you believe in. When you do spend money, you tend to focus on things that bring you joy, comfort, or improve your overall well-being. Investing in areas like agriculture, property, and commodities can be a smart move for you, and you take a thoughtful and careful approach to managing your money. You love spoiling your family and friends, but you also recognize the importance of being financially responsible and keeping your funds in order. When your finances are in good shape, you feel more relaxed and able to enjoy the things that matter most in life.

LEO. You have worked hard to achieve financial stability and you take pride in your earnings and assets. Your creativity and business acumen have played a significant role in your success, and you are always looking for new ways to reach your goals. You are fortunate to have the support of high-ranking individuals who want to see you succeed, and you value their encouragement. You are drawn to business or career opportunities that allow you to showcase your skills and put you in the public eye. Your organizational talents have helped you to effectively manage people and situations related to finances, leading to recognition within your community or the entertainment industry. While you have a natural inclination towards investing and taking risks, it's important to be cautious and mindful of the potential risks involved. You understand that financial success is important, but you also know that it's not the only thing that brings happiness and fulfillment in life. At times, you may enjoy indulging in luxury and extravagance, but ultimately you understand that material possessions are not the most important things in life. You value the simple pleasures and find joy in the things that truly matter, like spending time with loved ones and pursuing your passions.

VIRGO. You have a habit of keeping your money and valuables safe, and takes pride in accumulating material goods in an organized and methodical manner. People around you truly admire your attention to detail, and it's fantastic that you handle your finances with caution and wisdom. You're always aware of your financial situation, which helps you stay within your budget and avoid impulsive purchases that could result in financial trouble. Your sharp focus and attention to detail are excellent assets when it comes to keeping your investments on track, but it's important to keep in mind that being overly critical of others, especially those close to you, can be harmful. Nonetheless, you have a clear vision of what you want to do with your money and keep thorough records to achieve your goals. It's impressive that you're sensible with your finances, always planning ahead, but it's crucial to avoid impulsive decisions that could cause issues. When your finances aren't in order, it can cause physical and emotional stress, which can be avoided by staying organized and in control of your money. Remember to take care of your financial health to prevent anxiety and possible physical illnesses.

LIBRA. When it comes to your financial situation, things are likely to work in your favor, giving you the opportunity to achieve some level of success in reaching your goals. However, there's a good chance that you weren't satisfied with a job where you made most of your money in ways that didn't suit you or in areas where you lacked skill. You'd find more fulfillment in earning money through creative pursuits like writing, painting, sculpture, architecture, interior design, or even through investments that provide a steady income. If you enter into business partnerships or agreements with others for mutual gain, there's a chance for success. But hey, be careful with your choices, as you could end up losing money. A partnership in business or a supportive marriage can be a great asset. You strive to maintain a balanced budget by carefully considering the pros and cons of your expenses and investments. If you feel your financial life is out of whack, it's okay to start from scratch. Making money with the help of a partner or through marriage is a possibility. You have expensive taste, but you're not one to spend beyond your means, and you try to avoid wasting money on unnecessary purchases. You could find opportunities to make money in the arts, law, beauty industry, fashion, or even the wedding industry, for example.

SCORPIO. Money and material possessions really get your emotions going. Sometimes you might feel a twinge of envy when you see others succeeding financially. You value your enthusiasm and have a positive outlook when it comes to your financial situation. You're willing to put in the hard work to reach your goals. Your determination usually helps you overcome any obstacles, whether they're natural or man-made. In the end, you should be able to achieve financial independence and create a comfortable home for yourself. While you're not one to be frivolous, you do have a strong desire to spend money to grow your financial base or expand your influence. Just be careful not to react too slowly when it comes to financial matters, as that could lead to temporary losses or setbacks. When it comes to investments that involve growth and expansion or utilities with future potential, you can usually rely on your keen judgment. You prefer to keep your financial life private because you don't want others to know about your wealth or lack thereof. You have the potential to make a good amount of money in your life, but it may not be your ultimate ambition. You might consider long-term investments or even partnering up with someone in a business venture to make money.

SAGITTARIUS. When it comes to money, you have a sense of abundance. You might even be a bit of a scrooge at times. You're great at seeing the big picture, which often gives you a feeling of luck or fortune when it comes to handling your finances. However, this mindset also makes you more prone to taking risks in the hopes of boosting your bank account. Unfortunately, it can lead to financial losses if you're not careful with your planning. You may have a tendency to gamble or turn money into a game, finding excitement in the ups and downs of your fortunes. You naturally gravitate towards industries involved in international affairs, foreign investment, travel, publishing, and higher education. Just make sure to research the merits of any cause before you start throwing money around or making generous contributions in public. When it comes to money, you have a generous attitude and don't mind giving it away. As long as you have enough to cover your needs and help others, you're content. You're not afraid to take risks to make more money, and if things don't work out, you're ready to shrug it off and try again.

CAPRICORN. When it comes to making money, you're all about being organized and methodical. You take pride in your self-control and wisdom when it comes to your finances. You're not one to spend money without thinking it through and doing thorough research. Keeping to a savings plan is your jam, which shows that you value stability and setting yourself up for a better future. And hey, investing in things like real estate, property, or precious metals might bring in some extra cash. Your knack for organization and sense of responsibility make you a pro at handling business and financial matters. You're all about exploring opportunities for profit and bringing people together to make it happen. Who knows, this could even catch the attention of the public or politicians, leading to some community or national service. But don't get me wrong, you're no spendthrift. You're cautious and calculated with your money, always thinking twice before making financial decisions. Some might see you as frugal, thinking you have less than you actually do. But that's because you're smart about getting the most out of your money and gradually building up your savings for a more comfortable future. With your skills, you could make some serious dough in fields like politics, entrepreneurship, or working as a career planner or counselor. Just be careful with your spending and keep that financial sense in check.

AQUARIUS. When it comes to money and things, you're in for a wild ride. You value your uniqueness and creativity above all else. Get ready for some unpredictable twists and turns in your financial matters because your income sources can be anything but ordinary. Don't worry though, this doesn't mean you won't succeed. In fact, many of your dreams and aspirations are rooted in this unpredictability. You've got the potential to make connections with people who can directly impact your financial ambitions, and you might even stumble upon opportunities through your acquaintances who know all the right folks. If you're looking to make investments, areas like electronics, aircraft, inventions, scientific research and development, and the computer sector can be pretty lucrative. But here's a piece of advice: avoid relying on other people's money. It can lead to a whole bunch of issues and misunderstandings. You're the kind of person who keeps emotions separate from finances, and you don't stress too much about money on an emotional level. It may come and go in bursts, and you might find yourself in jobs where income isn't consistent, like commission-based or sales roles. Fluctuating earnings are pretty common, and you might depend on these avenues for the bulk of your income.

PISCES. So, money matters can be a bit confusing for you. It's not always easy to meet your financial obligations, and you might find yourself scratching your head about it. But hey, you really value compassion, and that's awesome. When it comes to finances, keep an eye out for unexpected opportunities that might come your way. But be careful, 'cause there can be risks involved. Make sure you know what you're getting into before jumping in blindly. There might be hidden conditions or consequences that you need to consider. Don't worry, though. If you take the time to investigate and gather all the info, it won't feel like such a mysterious puzzle. You've got this natural psychic sense that helps you see through dishonesty and deception, which is pretty cool. But hey, don't take your financial life too lightly. It's important to be responsible with your money. Sometimes you might come up with these grand money-making schemes that never really pan out, or you struggle to keep track of your funds. Just try to be a bit more organized and thoughtful when it comes to your finances.

(CC) AstroJulia Some Rights Reserved

[probablyasocialecologist]

Changing the economic goal to sustainable human wellbeing is likely to require multiple interventions, including top-down and bottom-up action, as well as physical and social change. Many of the challenges faced are structural and will require large investment in systems such as transport, energy, and food. A neoclassical approach would favour balanced national budgets (ie, tax revenue and spending should be equal) or small deficits that do not lead to growing public debt ratios. However, ecological economics suggests that national public debt does not necessarily have to be eliminated or be small; rather money can be created by the central bank to finance socially needed investment, as was done in the UK during the COVID-19 crisis. Ultimately, money is a social construction that represents what is valued as a society and it is not a scarce asset in the way that natural resources are.

Economics for people and planet—moving beyond the neoclassical paradigm