#Energy Finance and Investment Service

[charterunion1]

Commercial real estate finance

Commercial real estate finance involves various financial activities and strategies related to commercial properties, including office buildings, retail spaces, industrial facilities, hotels, and multifamily residential properties.

These are some of the fundamental aspects of commercial real estate finance. The field is dynamic and influenced by economic conditions, market trends, regulatory changes, and innovations in financial products and services. Working with experienced real estate professionals, lenders, and financial advisors is essential for navigating the complexities of commercial real estate finance effectively

Visit us:- https://www.charterunionfin.com/financial-solutions/

[mostlysignssomeportents]

An end to the climate emergency is in our grasp

On June 20, I'm keynoting the LOCUS AWARDS in OAKLAND.

The problem with good news in the real world is that it's messy. Neat happy endings are for novels, not the real world, and that goes double for the climate emergency. But even though good climate news is complicated and nuanced, that doesn't mean it shouldn't buoy our spirits and fill our hearts with hope.

The big climate news this past week is the National Oceanic and Atmospheric Administration's clarion call about surging CO2 levels – the highest ever – amid a year that is on track to have the largest and most extreme series of weather events in human history:

https://www.noaa.gov/news-release/during-year-of-extremes-carbon-dioxide-levels-surge-faster-than-ever

This is genuinely alarming and you – like me – have probably experienced it as a kind of increase in your background radiation of climate anxiety. Perhaps you – like me – even experienced some acute, sit-bolt-upright-in-bed-at-2AM anxiety as a result. That's totally justifiable. This is very real, very bad news.

And yet…

The news isn't all bad, and even this terrible dispatch from the NOAA is best understood in context, which Bill McKibben provides in his latest newsletter post, "What You Want is an S Curve":

https://billmckibben.substack.com/p/what-you-want-is-an-s-curve

Financier and their critics should all be familiar with Stein's Law: "anything that can't go on forever will eventually stop." This is true outside of finance as well. One of the reasons that we're seeing such autophagic panic from the tech companies is that their period of explosive growth is at an end.

For years, they told themselves that they were experiencing double-digit annual growth because they were "creating value" and "innovating" but the majority of their growth was just a side-effect of the growth of the internet itself. When hundreds of millions of people get online every year, the dominant online services will, on average, gain hundreds of millions of new users.

But when you run out of people who don't have internet access, your growth is going to slow. How can it not? Indeed, at that point, the only ways to grow are to either poach users from your rivals (through the very expensive tactics of massive advertising and sales-support investments, on top of discounts and freebies as switching enticements), or to squeeze your own users for more.

That's why the number of laptops sold in America slowed down. It's why the number of cellphones sold in America slowed down. It's why the number of "smart home" gizmos slowed down.

Even the steepest hockey-stick-shaped exponential growth curve eventually levels off and becomes an S-curve, because anything that can't go on forever will eventually stop.

One way or another, the world's carbon emissions will eventually level off. Even if we drive ourselves to (or over) the brink of extinction and set up the conditions for wildfires that release all the carbon stored in all the Earth's plants, the amount of carbon we pump into the atmosphere has to level off.

Rendering the Earth incapable of sustaining human civilization (or life) is the ultimate carbon reduction method – but it's not my first choice.

That's where McKibben's latest newsletter comes in. He cites a new report from the Rocky Mountain Institute, which shows a major reversal in our energy sources, a shift that will see our energy primarily provided by renewables, with minimal dependence on fossil fuels:

https://rmi.org/insight/the-cleantech-revolution/

The RMI team says that in this year or next, we'll have hit peak demand for fossil fuels (a fact that is consistent with NOAA's finding that we're emitting more CO2 than ever). The reason for this is that so much renewable energy is about to come online, and it is so goddamned cheap, that we are about to undergo a huge shift in our energy consumption patterns.

This past decade saw a 12-fold increase in solar capacity, a 180-fold increase in battery storage, and a 100-fold increase in EV sales. China is leading the world in a cleantech transition, with the EU in close second. Cleantech is surging in places where energy demand is also still growing, like India and Vietnam. Fossil fuel use has already peaked in Thailand, South Africa and every country in Latin America.

We're on the verge of solar constituting an absolute majority of all the world's energy generation. This year, batteries will overtake pumped hydro for energy storage. Every cleantech metric is growing the way that fossil fuels did in previous centuries: investment, patents, energy density, wind turbine rotor size. The price of solar is on track to halve (again) in the next decade.

In short, cleantech growth looks like the growth of other technologies that were once rarities and then became ubiquitous overnight: TV, cellphones, etc. That growth isn't merely being driven by the urgency of the climate emergency: it's primarily a factor of how fucking great cleantech is:

https://rmi.org/wp-content/uploads/2024/05/the_incredible_inefficiency_of_fossils.pdf

Fossil fuels suck. It's not just that they wreck the planet, or that their extraction is both politically and environmentally disastrous. They just aren't a good way to make energy. About a third of fossil fuel energy is wasted in production and transportation. A third! Another third is wasted turning fossil fuels into energy. Two thirds! The net energy efficiency of fossil fuels is about 37%.

Compare that with cleantech. EVs convert electricity to movement with 80-90% efficiency. Heat pumps are 300% efficient (the main fuel for your heat pump is the heat in the atmosphere, not the electricity it draws).

Cleantech is just getting started – it's still in the hockey-stick phase. That means those efficiency numbers are only going up. Rivian just figured out how to remove 1.6 miles of copper wire from each vehicle. That's just one rev – there's doubtless lots of room for more redesigns that will further dematerialize EVs:

https://insideevs.com/news/722265/rivian-r1s-r1t-wiring/

As McKibben points out, there's been a lot of justifiable concern that electrification will eventually use up all our available copper, but copper demand has remained flat even as electrification has soared – and this is why. We keep figuring out new ways to electrify with fewer materials:

https://www.chemanalyst.com/NewsAndDeals/NewsDetails/copper-wire-price-remains-stable-amidst-surplus-supply-and-expanding-mining-25416#:~:text=Global%20Copper%20wire%20Price%20Remains%20Stable%20Amidst%20Surplus%20Supply%20and%20Expanding%20Mining%20Activities

This is exactly what happened with previous iterations of tech. The material, energy and labor budgets of cars, buildings, furniture, etc all fell precipitously every time there was a new technique for manufacturing them. Renewables are at the start of that process. There's going to be a lot of this dematerialization in cleantech. Calculating the bill of materials for a planetary energy transition isn't a matter of multiplying the materials in current tech by the amount of new systems we'll need – as we create those new systems, we will constantly whittle down their materials.

What's more, global instability drives cleantech uptake. The Russian invasion of Ukraine caused a surge in European renewables. The story that energy prices are rising due to renewables (or carbon taxes) is a total lie. Fossil fuels are getting much more expensive, thanks to both war and rampant, illegal price-fixing:

https://www.thebignewsletter.com/p/an-oil-price-fixing-conspiracy-caused

If not for renewables, the incredible energy shocks of the recent years would be far more severe.

The renewables story is very good and it should bring you some comfort. But as McKibben points out, it's still not enough – yet. The examples of rapid tech uptake had big business on their side. America's living rooms filled with TV because America's largest businesses pulled out all the stops to convince everyone to buy a TV. By contrast, today's largest businesses – banks, oil companies and car companies – are working around the clock to stop cleantech adoption.

We're on track to double our use of renewables before the decade is over. But to hold to the (already recklessly high) targets from the Paris Accord, we need to triple our renewables usage. As McKibben says, the difference between doubling and tripling our renewables by 2030 is the difference between "survivable trouble" and something much scarier.

The US is experiencing a welcome surge in utility scale solar, but residential solar is stalling out as governments withdraw subsidies or even begin policies that actively restrict rooftop solar:

https://twitter.com/curious_founder/status/1798049929082097842?s=51

McKibben says the difference between where we are now and bringing back the push for home solar generation is the difference between "fast" and "faster" – that is the difference between tripling renewables by 2030 (survivable) and doubling (eek).

Capitalism stans who argue that we can survive the climate emergency with market tools will point to the good news on renewable and say that the market is the only way to transition to renewables. It's true that market forces are partly responsible for this fast transition. But the market is also the barrier to a faster (and thus survivable) transition. The oil companies, the banks who are so invested in fossil fuels, the petrostates who distort the world's politics – they're why we're not much farther along.

The climate emergency was never going to be neatly solved. We weren't going to get a neat novelistic climax that saw our problems sorted out in a single fell swoop. We're going to be fighting all the way to net zero, and after that, we'll still have decades of climate debt to pay down: fires, floods, habitat loss, zoonotic plagues, refugee crises.

But we should take our wins. Even if we're far from where we need to be on renewables, we're much farther along on renewables than we had any business hoping for, just a few years ago. The momentum is on our side. It's up to us to use that momentum and grow it. We're riding the hockey-stick, they're on that long, flat, static top of the S-curve. Their curve is leveling off and will start falling, ours will grow like crazy for the rest of our lives.

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/2024/06/12/s-curve/#anything-that-cant-go-on-forever-eventually-stops

[tarotwithavi]

I get money, I am a star

How can you make more money? How can you attract abundance into your life?

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

How to choose a pile?

Close your eyes and take a deep breath and ask the angels to show you the right pile for you and open your eyes. The first pile that catches your attention is the right pile for you.

This is a general reading, so take what resonates and leave what doesn't.

Masterlist 💌 paid services

YouTube

THANK YOU SO MUCH FOR YOUR LOVE AND SUPPORT 🫶🏻❤️

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

PILE 1

You have a special ability to attract people, and that's because the way you see and understand life is very different from everyone else. I'm also getting the message that you can use your unique perspective and appearance to earn more money. For example, you could become a social media influencer or start your own blog where you share your opinions with others. You might even consider writing articles or books to share your knowledge, which could also help you earn more.

You have a talent or skill that could lead to great financial success. All you need to do is focus on developing it. This might seem like a random message, but I sense that some of you have hacking skills that could be used to catch online predators. You could make money while also doing something good for society, and you can do this without revealing your identity.

I also heard the phrase “secret superstar,” which might have special meaning for some of you.

You can attract abundance into your life just by being yourself. You don’t have to follow strict instructions on how to manifest things. You are fully capable of discovering new methods that work for you when it comes to manifestation. Remember, sometimes you need to "fake it till you make it." Don’t worry about what others might think or say; be the most confident and imaginative version of yourself. Believe in the impossible, and you’ll see it become reality. Dream big, and don’t hesitate to manifest the most outrageous things, even those that seem out of reach.

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

PILE 2

I see that some of you are thinking about choosing a business major in college, and I want you to know that this is a great choice for you. I got the message that you have the potential to make more money by helping others learn how to manage and grow their own money. You could become a freelancer, offering advice on how to use money wisely, or you might even start a course where you teach people how to invest and handle their finances.

You have a special knowledge or skill that could be valuable to others, and you could exchange this knowledge for money. Some of you might also be excellent teachers, guides, gurus, or counselors. You hold the key to success—your ideas, inspirations, and whatever thoughts come to your mind right now could be what lead you to success.

I also see that some of you don't feel the need to make a lot of money; you just want to earn enough to live a good, comfortable life. You don't necessarily desire a luxurious lifestyle. Some of you could even become great spiritual teachers.

You can attract abundance into your life by growing spiritually. However, I also notice that some of you have been slacking on your spiritual practices. For example, something you used to do regularly, like manifestation, meditation, or journaling, you now barely do once every two weeks. These practices help keep you emotionally stable. If you start doing them regularly again, you'll notice a significant change in the energy around you.

At this moment, you need to focus on your studies and avoid chasing temporary pleasures. Concentrate on the things that will bring you long-term fulfillment and happiness.

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

PILE 3

You need to break free from the cycle you're currently stuck in, and I'm getting the message that this may be connected to your ancestors. It’s possible that your family has experienced a fluctuating cycle of wealth and poverty over time. As a result, you might be afraid of making more money because you fear that you’ll end up facing the same ups and downs as your ancestors did.

I also see that you have a mindset of lack when it comes to money, and this needs to change. If you don’t shift your thinking, you may struggle to manifest more money in your life. Another issue is that you tend to overspend on things you want but don’t really need. Then, when it comes time to spend on something you actually need, you might find yourself short of money. It’s important to learn how to manage your finances better so that you have enough money for both what you want and what you need.

Some of you might be thinking about starting a business or entering a partnership with someone. This could be a good opportunity, but you need to be very careful about who you choose to partner with. For others, starting your own business could be a great option. I see that some of you are considering businesses related to jewelry, clothing (especially thrifted clothes), or decorative items.

You also need to let go of habits or memories that are no longer serving you. You can attract abundance by releasing an addiction or behavior that is holding you back. For instance, I see that some of you may be spending too much time on social media or on your phones. You need to be mindful of how much time you’re wasting on these activities. Instead, invest your time in something that will benefit you. If something isn't adding value to your life, don’t waste your time on it.

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

[kleopatra45]

Do you intend to make a post about stellium in the houses on the solar return chart ?

Stelliums in the Houses [Solar Return]

1st House

A 1st House stellium in the solar return chart highlights a year of self-focus and personal development. You'll be driven to assert your identity, make changes to your appearance, or take charge of your life direction. This is a year to focus on self-awareness, personal goals, and how you present yourself to the world. Expect significant changes in how you view yourself and how others perceive you.

2nd House

A stellium in the 2nd House indicates a year of financial focus and re-evaluating your values. Your earning potential, material possessions, and financial stability will be central themes. You may be driven to increase your income, invest in new resources, or reassess what you truly value in life. This is also a year where your self-worth and how it relates to your material wealth will be tested and potentially redefined.

3rd House

When the 3rd House is emphasized by a stellium, communication, learning, and your immediate environment become pivotal. This is a year of increased mental activity, where you might take up new studies, start a writing project, or strengthen relationships with siblings and neighbors. The pace of daily life may quicken, with more travel, social interactions, and exchanges of ideas.

4th House

A 4th House stellium points to a year focused on home, family, and your emotional foundation. You might move, renovate, or invest more energy into your living situation. Family dynamics and your relationship with parents, especially your mother, will play a significant role. This is also a time for inner reflection, dealing with past issues, and strengthening your emotional roots.

5th House

A stellium in the 5th House brings creativity, romance, and self-expression to the forefront. This could be a year of artistic pursuits, new romantic relationships, or a stronger focus on children if you have them. Your desire for pleasure, fun, and taking risks will be heightened. You might feel a strong urge to create something unique or to fully express your individuality in a new way.

6th House

With a 6th House stellium, your work, health, and daily routines become the focus. You might take on new responsibilities at work, become more health-conscious, or make significant changes to your daily habits. This is a year where you are called to service, whether through your job, volunteering, or simply helping others in practical ways. Health and wellness practices may take on new importance.

7th House

A 7th House stellium in the solar return chart emphasizes relationships and partnerships. This could be a year of significant developments in your marriage, business partnerships, or other close relationships. Issues of balance, cooperation, and commitment will come to the surface. You might also attract new partnerships or face challenges that require diplomacy and negotiation.

8th House

The 8th House stellium brings transformation, shared resources, and deep psychological processes into focus. This could be a year of dealing with joint finances, taxes, inheritances, or debts. Intimate relationships might go through profound changes, or you may confront issues of power, control, and taboo subjects. It's a year for deep emotional work, facing fears, and perhaps a symbolic or literal rebirth.

9th House

A stellium in the 9th House highlights a year of expansion through travel, higher education, or spiritual pursuits. You might be drawn to new philosophies, religions, or cultures, seeking to broaden your understanding of the world. This is a time to explore new horizons, whether through physical travel, academic study, or a quest for truth and meaning. Legal matters or international connections may also play a role.

10th House

With a 10th House stellium, career and public life take center stage. This is a year where your professional ambitions, reputation, and long-term goals come into sharp focus. You may receive recognition for your achievements or feel a strong drive to advance in your career. Authority figures, including bosses or even your own role as a leader, will be significant. Expect changes in your public image or career trajectory.

11th House

A stellium in the 11th House emphasizes friendships, social networks, and long-term aspirations. This could be a year where you play a more active role in groups or communities, or where you align yourself with causes and organizations that reflect your ideals. Friendships may become more important, and you could find support for your goals through social connections. Your vision for the future will be a central focus.

12th House

The 12th House stellium points to a year of introspection, spirituality, and dealing with hidden matters. You might feel the need to retreat, focus on your inner life, or confront subconscious patterns. This could be a year of letting go, healing past wounds, or dealing with issues related to confinement, isolation, or endings. Spiritual growth and self-awareness will be key themes, as you prepare for a new cycle of personal development.

I will post 'Stellium in the Signs' soon!

I hope this helps! ♥️

©️kleopatra45

[shina913]

Merger | KNJ, CSC

Merger

Pairing: Namjoon x Fem!Reader x Seungcheol

Rating: M 🔞; NSFW

Genre: Smut; pwp; non-idol AU

Warnings: Threesome; porn with the barest of plots; cussing; alcohol consumption; voyeurism; fingering; clit play; breast play; oral sex; spit-roast(😬); handjobs; penetrative, protected sex; masturbation; multiple orgasms; pearl necklace; soft aftercare

Word count: 6.1k words

Summary: “Oh, so you guys are like a package deal then?”

A/N: It’s been ages since I’ve written and finished any WIP! This is probably the filthiest thing I’ve written--ever! It's completely indulgent, and since my moots and I have been kicking around the idea of a leader-line/crossover fic, I figured, why not? Thank you, @roaminginthenights and my Discord loves for enabling me!

Full disclosure: I’ve never written a poly fic before, so please be kind! Anyway, I'll shut up now. Enjoy!

You’re still shaking hands with Namjoon and Seungcheol, when you suggest getting celebratory drinks. They’ve just accepted your firm’s very lucrative offer to invest in their business, one you identified and insisted your firm consider. There’s still plenty of paperwork to complete, documents to sign, but for now, after securing the biggest deal of their lives, they (and you) deserve one night to bask in their success before the real work begins.

As a new partner at your firm who finds and manages ventures, you want to be seen as both an advisor and a peer. You aren’t just another representative of the new majority shareholder; you listen and care about their needs.

Just hours ago, they appeared as slightly awkward but well-rehearsed tech geeks, hoping to secure funding for their business. This more casual setting is exactly what they needed. And frankly, after a couple of drinks, you realized that you needed it too.

In a quiet corner of the bar, with loosened ties and rolled-up sleeves, your newest clients seem much more relaxed, blending in with the tech and finance crowd that frequents this part of the city.

Unlike the old crowd, Namjoon and Seungcheol stood out to you. They brought new energy and enthusiasm instead of the burnt-out, jaded-looking faces you usually saw. They had a spark that made you believe in their vision, making you excited to see where this partnership could go. It also didn't hurt that they were very attractive (objectively speaking), which was rare for guys in their industry.

“We can’t thank you enough,” Namjoon says. He handles operations for the business, led the pitch, and hasn’t stopped expressing his gratitude since you left the office.

“We promise you won’t regret taking a chance on us.” Seungcheol adds. He oversees the tech front and was quieter in comparison. He let the demonstration do all the talking for him, and you were very impressed, but now he seems to be livening up.

“Well, you guys made a convincing pitch. I think that the service you offer and your business model is unique and we see a significant untapped market for it. All you need is scale, and we’re very excited to be involved in that effort.”

Namjoon turns serious for a moment, “To tell you the truth, we’ve been used to hearing ‘no’ in the last few months, so we were shocked by your offer—I mean, we still are.”

You smile. “All you need is that one ‘yes,’ to get you going! I’m glad you both persisted and that we can be part of what we’re confident is going to be a huge success.”

“To getting rich!” Seungcheol roars, raising his glass, making you and Namjoon laugh in response. You then tap your glasses against his, echoing his sentiments.

Peering past the rim of your drink, you observe their banter and laughter at techy inside jokes you're not privy to. Outside the conference room and clearly more relaxed, you start to see their individual charm, which would knock the socks off anyone who stopped and paid attention.

You shift in your seat, leaning just a tad closer to Namjoon—close enough to catch a hint of his scent, but with enough distance to keep things semi-professional.

“So! I feel like I've been going on and on about how we like to work with our portfolio companies. But what about you guys? Tell me more about how this partnership works,” you ask, gesturing between them.

To your surprise, Seungcheol clears his throat and answers first. “We complement each other well. Joon is more articulate than I am, while I’m more comfortable working on the technical side of things.”

He seems shy, often hiding his face when laughing as if to avoid drawing attention to himself. Yet, his confident demonstration today—and the obvious technical expertise behind it—suggests that he’s more self-assured than he initially lets on. He may not talk as much as his counterpart, but when he does, he demands that you focus on him and nothing and no one else. With those dark, deep-set eyes and plush lips, you wouldn’t even think of diverting your attention elsewhere.

…Unless Namjoon was in the same room.

“Cheol is quicker at troubleshooting and debugging,” he says. “He prefers rectifying things right away, figuring things out as he goes. My approach is more theoretical. I prefer to take my time, gathering more information, maybe drawing things out a little longer than they need to be…”

Namjoon had your full attention from the moment he introduced himself. He had a boyish, dimpled smile that could make anyone swoon—a stark contrast to his tall and broad frame. He was mostly formal during the presentation but unafraid to go off on smaller tangents that showed his passion and kept you hanging on his every word. At certain points, you wished he would keep going, especially with that deep, rich voice of his.

However, as the night progresses, Seungcheol gradually draws your attention toward him as well.

“Let’s just say that Joon likes to play with his food, while I just want to get right to it and eat,” Seungcheol says, tipping his glass to his partner and winking playfully at you.

Your jaw drops at his unexpected comment, surprised by how bold it is. Normally, you'd think something like that would be out of line, but instead, you’re amused by it.

Little by little, you start to pick up on the subtle nuances in Seungcheol’s behavior. He has this laid-back attitude that contrasts with Namjoon's more reserved demeanor. It's fascinating to see the differences between the two, and you can't help but be drawn further into their intriguing dynamic.

Namjoon clears his throat, giving Seungcheol a subtle warning. “Uhh… please excuse my friend here. He offers the most colorful analogies.”

You wave him off. “I think he’s pretty funny, actually.”

“Why, thank you!” Seungcheol beams, takes it as a compliment then takes a sip of his drink.

“Besides, we need a little humor to get through the day, right,” you add.

You see Namjoon’s shoulders visibly relax. Your carefree reaction seems to give him a sense of relief.

With that awkwardness out of the way, you press on to get to know them better. You feel there's something more about them you can't quite put your finger on. Against your better judgment, and maybe due to one too many drinks, you’re dead-set on finding out.

You switch tact to keep the conversation going. “Has anybody ever pulled one of you aside to offer you an individual deal?”

“It’s happened before, but we’ve always turned them down,” Seungcheol replies.

Having been friends for over a decade, Namjoon nods in agreement. “Cheol and I have this pact—it's either both of us or neither of us.”

They’re young, business-savvy guys who haven’t lost their earnestness despite the ruthless competition. But the skeptic in you decides to test their ‘pact.’ “Oh, so you guys are like a package deal then?” you tease.

Seungcheol lets out a low laugh. “Yeah. Something like that.”

The look he gives you after he says it makes the words sound naughtier than they seem. But you brush the comment aside, keeping your thoughts PG since this is still technically a business meeting. Though, if you’re being honest, Seungcheol’s responses have been toeing the line between professional and provocative. His comment about preferring to eat his food rather than play with it makes you curious about what other colorful analogies he can come up with when he does cross that line. Frankly, you hope he would run through the entire spectrum.

Namjoon gives him a furtive look. “What he means is that this business wouldn't succeed if one of us walked away. It's better to hire both of us so you can get the best possible return on your investment.”

You scoff in disbelief. After years in this industry, you know that somebody is always looking to get ahead, as long as the price is right. “You mean to tell me that you’re perfectly fine settling for a 50/50 share when one of you could just take it all?”

“We don’t mind sharing.” Seungcheol bites his lower lip to stifle a smile, while his eyes glistened hotly in the muted lighting.

And just like that, this business meeting has evolved into something completely different. You’re not stupid, and neither is he. Deep down, you want to squeal from excitement. At least one of them is feeling you.

Before you jump to conclusions (or onto Seungcheol’s lap), you turn to Namjoon, expecting him to once again rein in his friend’s spicy comments. Instead, you’re surprised to find him staring, a smile ghosting his face.

“Do you disagree?” You ask him, rubbing the back of your neck to relieve some of the tension you were feeling inside. You’re interested to hear how he would try to spin Seungcheol’s comment.

There’s a slight pause before he smiles wider, flashing a dimple on his cheek. “Nah. I don’t see anything wrong with sharing… or taking turns, for that matter.”

You inhale sharply, holding that breath for a moment as your stomach drops. “Taking turns?” you ask carefully, brows furrowed in curiosity.

Unfazed, he answers, “Leading projects, of course!”

Your lips form an ‘o’ shape, and you nod slowly. “Right…”

The room suddenly feels hotter. Feeling parched, you tip your glass to your lips and drink, but it doesn’t help. Your body is telling you that you need something else to relieve your thirst.

Namjoon tilts his head, still appearing nonchalant. “What did you think I was referring to?”

“Nothing,” you reply. Narrowing your eyes at him, you ask, “What did you think I was thinking?”

They both stare at you quietly before bursting into laughter. Touché.

You’re laughing along with them when your phone chimes, reminding you about tomorrow’s meeting—something your boss has mentioned multiple times this week. When you look up from your screen, you notice the bar is nearly empty. You didn't realize it was so late. Even though you're reluctant to leave things…unsettled tonight, duty calls.

You motion for the server to bring the check, then hand over your credit card with a sigh. Guess you'll have to handle things on your own tonight.

Noticing your change in demeanor, Namjoon turns to you again. “So, are you one of those partners who pays for dinner and drinks, takes their commission, then we never see them ever?”

You soften at his question. “I’m sorry that’s been your experience in the past but I guarantee you, that’s not how I, or my firm, operate. I actually answer my phone and return calls,” you assure him.

He nods, seemingly satisfied with your answer. At least one of you is. You watch him toss back the last few drops of his drink, some spilling onto his chin. He picks up a napkin to clean up, but before he can, you see an opportunity and take it—swiping your thumb across his chin, surprising him and Seungcheol.

“I like to be hands-on with my clients.” Enough with the innuendo tennis! You're done playing games and want to see if one of them is willing to put their money where their mouth is. Meeting be damned, you’ll deal with the fallout later.

Namjoon is stunned into silence, trying to process what just went down. While you wait for him to get his head around it, Seungcheol jumps in. “Hmm, is that right?” His voice is low and husky, sending a chill down your spine.

You turn your head towards him. He appears to be pouting slightly, clearly jealous of the attention you're giving his friend and business partner. You smile, satisfied to provoke that bit of aggression in him.

You shift and bring your face closer to his, your voice steady. “Why? Is that hard to believe?”

He purses his lips, his dimples prominently on display. Normally, you'd find them adorable, but not now, as he looks like he's stalking you as his prey. “Well, there are two of us, you see…” He glances at Namjoon past your shoulder, as if giving him a silent signal.

Not a second later, Namjoon’s hand is under the table, sliding up your thigh. You’re thankful your table is tucked away in the back corner of the bar, keeping the lewdness out of sight.

“And we can be very demanding,” Namjoon breathes into your ear, while Seungcheol, humming in agreement, nuzzles his nose against your neck. “You think you can handle us both?”

Now that ache in your chest has traveled down between your legs. You press them together to hold off a bit longer, but it’s a futile attempt.

“You shouldn’t underestimate me, you know.” You lean in, your mouth hovering close to Namjoon’s. “I’m an excellent multitasker.” You push him to the brink when you touch the tip of your nose to his. Pulse racing, he closes the gap and seals his lips over yours. The kiss is soft at first, before he gradually deepens it. You succumb to the moment, letting out a soft moan when his tongue licks into your mouth.

You’re breathless when you pull away from him and turn to Seungcheol. He cups your chin to draw you closer, his eyes dark with desire, and captures your mouth in a hungry kiss. There's a hint of urgency in it that could be mistaken for impatience. But you like it, just as you enjoy Namjoon’s unhurried pace. You lose yourself between them, forgetting all the professional boundaries you were supposed to maintain.

You barely step into the room when Seungcheol tugs at your wrist, pulling you back and kissing you. Your fingers tangle in his hair while he holds your jaw, his mouth moving over yours, licking and sucking. You hear the door shut in the background, then feel Namjoon’s arms wrap around your waist. He starts kissing the exposed skin between your neck and shoulders.

Two pairs of hands explore your body, taking off your clothes, mouths trailing kisses everywhere. Your head spins as you’re caught between these two in nothing but your underwear, and all you can do is moan as they ravish you. You’re aching for attention. You arch forward, grinding your hips against Seungcheol’s thick thigh, desperate for some friction to ease the ache between your legs.

He pulls away, chuckling. “Someone’s a little eager.”

Namjoon murmurs in your ear, “Are you in a rush or something?” His hand slides between your legs, pulling you against him so you can feel his stiff cock against your ass. He cups your clothed pussy, fingers grazing over the damp material. You moan in response, your neck falling back on his chest.

“No rush,” you manage to say, “But aren’t you guys a little overdressed?” You reach back to palm Namjoon’s hardon through his pants, making him groan in your ear. You were wound up so tight at this point that you hoped one of them would break that seal, and fast.

“Ooh-ho-hoo…alright. C’mon then,” Seungcheol chuckles softly, pulling you away from Namjoon.

He leads you further into the room, until you find yourself standing by the foot of the bed.

“Before we start, is there anything you won't do?” Seungcheol asks.

“Or is there something specific you’re curious to try?” Namjoon adds, gauging your comfort level.

You appreciated their thoughtfulness and took a moment before sharing your boundaries with them.

“I’m not into DP or any kind of anal play. Choking is a no-go, and hard pass on any degradation. Besides that, I’m open to trying stuff.”

Namjoon nods. “And hey, if you're not feeling it, just let us know. We'll stop right away.”

Nice to know that chivalry isn’t dead, even in a threesome.

“Alright, that's settled then,” Seungcheol grins, but his smile quickly shifts to something more serious. “Now, sit,” he says softly. Without missing a beat, you sit down on the edge of the bed.

With his eyes locked on you, he slowly unbuttons his shirt, then moves to undo his pants with the same deliberate pace.

Your pulse races, your body buzzing with excitement and impatience. “We don't have all night, you know,” you said, watching his hand slip past his boxer-briefs’ waistband, stroking himself underneath.

“I know,” he says.

Movement from your periphery distracts you. You see Namjoon settling into one of the chairs by the window. He looks just as mouthwatering outside of his suit, all bare-chested and—

You yelp when Seungcheol jerks your hips to the very edge of the bed, your thighs on either side of him. Lowering himself, he whispers a warning into your ear. “And I also know that you want him…”

He glances at Namjoon, then back at you. Suddenly, you feel sheepish, like you've been caught trying to sneak another serving of cake before you've taken a bite out of the first slice you were given.

“I can make you feel good, too,” he breathes. He nips your earlobe, then rubs his hard length against your center to tease you. You moan, bucking your hips to feel more of him, but he’s got you pinned to the mattress.

“Besides, my buddy here prefers delayed gratification, and you—look really needy right now,” he points out. “I can help with that.”

Your core clenches desperately at his offer. “Please,” you whine.

He decides to taunt you, to make you squirm a little more. “Please, what? Use your words,” he says with a teasing lilt in his voice.

“Make me come… please.” You smile sweetly and bat your eyes at him. “Didn’t you say you preferred to get right to it, and eat?” You remind him of what he said earlier, hoping he'd finally end your torment.

He grins at your pouting, clearly amused. Teasing him a bit more, you reach back and unhook your bra. As you slide it off your shoulders, you catch his gaze and notice him licking his lips in anticipation.

He tilts your chin up and leans in for a kiss. Your hands instinctively wrap around his neck, pulling him closer, feeling the warmth of his body against yours. You sigh in contentment, lost in the moment, as his tongue explores your mouth, savoring you.

“Let’s get rid of these,” he says before slipping your panties off. He moves down, leaving a trail of kisses on your chest. He takes a hardened nipple in his mouth. You inhale sharply at the feel of his tongue circling and teasing it.

He moves lower, settling between your legs. Spreading them wider, he traces your inner thighs with his lips. He gently sucks at the flesh, purposely avoiding your center, prolonging the ache between.

He lifts your legs and props them on his shoulders. With his mouth lowered, his nose grazes your folds, making you shudder. He inhales deeply. “You smell intoxicating,” he says, before you feel his mouth on your clit. You let out a lingering moan at the contact.

“Ohh, right there,” as you push your hips shamelessly at his mouth. Your hunger builds as his tongue licks and flutters over your slick.

Your back arches, gripping the sheets as he inserts a finger, then a second. You throw your head back, eyes shut, lost in complete pleasure.

The mattress dips gently above where you lay. Feeling a warmth on your cheek, you open your eyes to see Namjoon lowering his lips onto you. You moan softly into his mouth while Seungcheol continues to lap at your soaked core, with his fingers dipping in and out of you.

Namjoon palms your breasts, teasing and pulling at your overly sensitive nipples.

“I love how responsive you are.” His tone carries that deep rasp that tickles your senses. You were incredibly turned on, feeling both the thrill of submission and the power of being serviced by two insanely hot men. Every touch, every whisper heightens the intensity, leaving you on the edge.

“I cannot wait to taste you,” Namjoon says, punctuating every word.

His voice triggers your release. That last bit of control snaps, and your body goes rigid. Your jaw goes slack as your orgasm takes over.

“F-uck…” you barely manage to say. Namjoon keeps caressing your face, helping you come back to reality.

Just as you're catching your breath, Seungcheol looms over you. He reaches above your head to grab something from Namjoon. After slipping on the condom, he hooks your leg around his waist to open you up for him. In one smooth move, he's in deep.

You moan breathlessly, wrapping your other leg around him as he finds his rhythm. Your fingers dig into the curve of his ass, leaving little crescent marks all over his skin.

“So good…” he breathes out.

Hearing rough groans above your head, you crane your neck. Namjoon is leaning against the headboard, fisting himself. His eyes blown out with arousal while watching you get fucked by his best friend. You want to take him in your mouth, but his cock is out of reach.

“I want him,” you say with a hungry look in your eyes. Then, turning your attention back to Seungcheol, “But I also want you to keep fucking me.”

His brows shoot up in surprise at your bold request, and he and Namjoon exchange looks, slightly taken aback.

“I did say I could multi-task,” you remark with a smirk, your confidence unwavering.

Slowing his hips, Seungcheol grins devilishly, a glint of amusement in his eyes. “Greedy girl, huh?”

Your reply is straightforward and unapologetic. “I want what I want,” you shrug. 

With a quiet laugh, Seungcheol pulls out, leaving you feeling bereft, but the promise of what’s next keeps you eager. Then, getting on your knees, you crawl over to Namjoon, your movements slow and calculated, savoring the anticipation. You look up at him and smile, then plant a swift kiss on his lips.

You dip down and give his cock some light licks, teasing the sensitive skin with your tongue. A deep groan rumbles from his chest, giving you a surge of satisfaction. You lower your mouth, taking your time, making him inhale sharply when the tip hits the back of your throat.

As you find a rhythm, Seungcheol watches intently, riveted at the sight before him. He traces your spine, trailing his fingers down your lower back. He presses lightly, urging you to bend further and lift your ass higher. He uses his thigh to push your knees wide, ensuring you're in the most optimal position for him.

Your cheeks hollow as you take long, deep pulls. Your tongue traces his length, flicking the tip when you reach it. Then, your body stills, pausing to let out a strangled moan at the shock of Seungcheol burying his cock in you from behind.

Namjoon looks down at you, his eyes filled with lust. “Don’t stop,” he begs softly.

Once you gather your bearings, you lower your head again. He runs his fingers through your hair, gathering it in one hand to keep it away from your face.

“Ahh…shit,” he hisses through his teeth. With a hooded gaze, he watches his cock slide in and out of your mouth.

He writhes in pleasure, giving into your ministrations, resisting the urge to push your head down and fuck your mouth mercilessly. His self-control turns you on even more, so you take him in deeper, pumping him with your hand while your mouth works up to the tip. You moan around Namjoon, and the vibrations from your lips send him into a frenzy.

Although you wish you could fully relish in satisfying him, you can’t help but get distracted by your own arousal as the heat in the pit of your belly grows.

Seungcheol’s hips churn, rubbing and thrusting into you, hitting the spot that makes you want to come more than anything. His fingers dig deeply into your flesh, likely to leave bruises the next morning, but right now, you couldn’t care less. You are getting fucked good and plenty tonight.

The air fills with the sounds of your moans and the rhythmic smacking of skin against skin. The room is thick with the unmistakable scent of sex. It’s a heady mix that you’re happy to surrender to. Your free hand finds your pulsing clit, knowing that one stroke would send you right over the edge.

You pull away from Namjoon seconds before you cry out, your core spasming with your climax—this one more intense than the first. Your walls clenching within sets off Seungcheol’s own orgasm.

“Fuck, I’m coming,” he breathes out, followed by a drawn out groan when he releases inside you.

As the euphoria fades, he pulls out and collapses to one side of the bed, utterly spent. Meanwhile, you slump onto the mattress, feeling the lingering warmth and the aftershocks of your orgasm.

He gets up, intending to make his way to the bathroom, when you suddenly reach out and give his ass a playful smack, catching him completely off-guard.

With a soft laugh echoing in the room, he continues toward the bathroom, his hand instinctively rubbing at the stinging skin, a smirk playing on his lips.

Namjoon lays next to you, his fingertips gently brushing over your bare skin, leaving a trail of warmth in their wake. Leaning in closer, he presses a kiss to your shoulder. It’s a sweet gesture, considering the debauchery that just occurred moments ago, and you don’t mind one bit.

“You okay?”

Your lips curve lazily. “Yeah. Are you?”

“Fine,” he replies.

You roll over to face him, drawing closer.

“You should rest a little more.”

Your hand playfully traces patterns on his chest for a moment before sliding down to his stomach. “I’m good to go, and you,” your eyes flit downward, “…look like you’re ready, too.”

He was half-hard seconds ago, but just before you can touch him, he grabs your wrist, pulling your hand up to his lips to kiss it.

You can’t help but frown at his rejection. “But you still haven’t—”

“I know. Let’s just take a minute,” he suggests. “Relax.”

Usually, when someone tells you that, you do the exact opposite. But his voice was so soft and reassuring that your furrowed brows start to ease. He seems to have other plans.

You keep your eyes on him, watching his every move—deliberate, and intentional. He gently strokes your cheek. You watch his hand travel slowly down to your neck, savoring the warmth of his touch as it lingers there for a moment. His hand continues down to your chest, pausing to stroke your nipple. Your eyes shut at the feather-light touches that send goosebumps racing across your skin.

When he reaches the juncture of your hips, he gently pushes you flat on the bed, with little to no resistance from you.

“Keep your eyes closed,” he breathes into your ear. You do so, then feel his hand move past your stomach. You hold your breath, expecting his fingers to touch your wet folds. But instead, his hand stops on your upper thigh, leaving you a bit disappointed.

His lips graze your cheek. “Tell me what to do next.”

Whatever complaints or protests you were about to voice out die out instantly, and instead replaced by growing anticipation. “Rub my clit,” you gasp quickly.

You hear a light chuckle from him before his hand reaches down between your legs.

“Like this?” He asks, then begins to rub slow circles on the sensitive flesh.

“No, up and down,” you tell him. You let out a sharp breath when he does so, and at the right pace. “Ahh, yes…up more…” You hum in pleasure when he strokes the most sensitive spot.

“What next?” He patiently awaits your instruction.

“Talk to me,” you croak out.

His breath blows gently by your ear. “What should I say?”

“Anything…” you pant, “Just want to…hear you.” You didn't think you had a voice kink, but listening to Namjoon speak earlier today was…a revelation, to say the least.

With his silky-smooth tone, he starts whispering the naughtiest, filthiest things you can think of, each word dripping with seduction. His voice wraps around you like a cozy blanket, pulling you deeper into his steamy fantasy.

You’re so wet for me.

So sexy.

As soon as you walked into the room, I wanted to bend you over that table and fuck you senseless.

You beg him to finger you, and he does so, sliding into you, working your sensitive nerves, and building up your need even further with every movement. There's something incredibly erotic about him asking you what you want and you telling him exactly how to please you. This is the kind of fantasy fulfillment that most people can only dream of.

“Should I eat that pussy after I make you come like this? You were making a lot of noises back there for Cheol. Will you do the same for me?”

You nod frantically.

“Yeah? Will you come hard for me?”

You nod again. “Yes, yyesss…don’t stop…”

“Tell me when you’re close.”

“Ahh yes, I’m there…s-slow down.”

He does as he’s told, coaxing your orgasm out of you. “C’mon, baby…let go.”

“Mm…coming—” As you say the words, he presses his fingers up against the roof of your cervix, sending waves of pleasure through your body.

“Let me hear you.”

You let out a deep, prolonged sigh that echoes in the room.

Namjoon’s fingers continue to pump slowly into you, stretching out your orgasm. “There we go, atta girl.”

Your legs tremble, breaths turn into shaky gasps as your walls clench and release around his fingers.

“Holy shit, that’s hot,” Seungcheol says from afar. Fresh out of the shower, he finds himself wishing he hadn’t missed the scene that has your face contorting in pure, unbridled pleasure.

While you’re still reeling from coming, Namjoon turns you onto your side. He then pulls your back flush against his chest, wrapping his arms around you to hold you close.

“You ready for me,” he asks, his teeth grazing your ear. Your body responds instinctively, trying to roll your hips into him. You feel his hard cock against your ass cheek.

“I want to ride you,” you plead.

“You do?”

You want to set the pace, the rhythm…the depth…You turn to face him, tilt your head up, and playfully bite his lower lip. “I want to be on top.”

He laughs, deep and husky, and eventually gives in. He pulls away to reach for a foil packet on the nightstand, sitting up against the headboard as he sheaths himself.

You move up to him, even though your legs feel like jelly. You straddle his hips and drape your arms over his shoulders, pulling him closer. With your eyes locked on each other, you slowly lower your hips. Your lips part with an involuntary sigh as you sink deeper. You fight to keep your eyes open, savoring the feel of him stretching you, filling you completely. 

Catching your hips, Namjoon looks up at you. “Ride me good, yeah?”

Your core clenches reflexively at the challenge.

You lift again, slowly, making you both feel every nuance of that mind-numbing friction. Then, you slam back down, the fullness, the connection, was too good to contain. He shifts restlessly, his hips moving tightly, wanting to feel more of you.

Seungcheol sits beside Namjoon, wanting to get a front row seat. He reaches for your breast, palming it as he lazily strokes his cock. “She feels good, huh? Nice and tight.”

“Mm-hmm,” Namjoon agrees. “Sweet mouth on her, too.”

Seungcheol hums, his lips curling into a dark, enigmatic smile. “Mm, I’ll have to try that for myself,” he says, his voice dripping with need.

Just thinking about having Seungcheol's thick, hard length in your mouth drives your senses wild, making your walls clamp around Namjoon, causing him to hiss through his teeth.

Seungcheol chuckles softly and decides to tease you a bit more. He rolls and tugs on your nipple. “Can I come on your tits?”

“Hmm… yeah…” you hum vaguely as another wave of throbbing hits your center.

With a soft growl, Namjoon captures your mouth, sliding his tongue into it. His hand cups the back of your neck, holding you right where he wants you. You kiss him back, matching his ardor while you rock back and forth against him.

He pauses the kiss and supports your back as he changes position. He gently guides you to lean back, allowing him to go deeper. You place your hands behind you for balance, steadying yourself on his thick thighs as he moves inside.

Seungcheol watches with a lust-filled gaze, his eyes darkening with desire as you and Namjoon fuck. Each movement heightens his arousal, and his breaths grow rougher. His hand moves in sync with your rhythm. His strokes grow more rapid, but still controlled; he wants this to last as long as possible.

You gaze at them with heavy-lidded eyes. Namjoon looks so tempting beneath you, his neck straining with effort, beads of sweat forming on his forehead, and his breath coming in ragged gasps. Seungcheol, with his jaw slack and eyes half-closed, has every muscle in his body taut with anticipation.

A sob escapes your lips  as your entire body trembles with another promise of an orgasm.

Namjoon places his hand just below your belly, teasing your clit with slow strokes of his thumb as his thrusts turn messier.

“I’m close…don’t…stop,” you stutter, thighs burning as sweat breaks through your skin.

“Fuck,” he bites out, his teeth grinding,

Burying his face in your neck, he tightens his grip on your hips, holding you firmly in place as he continues to slam harder and deeper into you.

You cry out, your body shuddering as pleasure washes over you. Every nerve ending is alight, and you’re fighting to catch your breath.

His hips start to slow down, and you can feel his muscles tense. He tightens up for a second before finally letting go, the rumbling in his chest reverberating as he groans deeply into your shoulder.

Peering in Seungcheol’s direction, you wrench away from Namjoon, a soft moan escaping his lips as you get off him.

“May I?” Your lips hovered over his cock, waiting for him to give you permission.

Nodding, he moves his hand to give you enough space to scoot closer to him. You lick your lips, then take him in. He throws his head back and lets out a deep sigh, gripping the sheets so hard his knuckles turn white.

You hollow your cheeks, and his response is immediate, his breath hitching as he fights to maintain control.

He sucks in a sharp breath when you run the flat of your tongue up his length before your head dips down again. “Geez….ffuuuckk, this feels so good.”

He looks down at you, cups your jaw, and holds your hair with one hand to guide the pace. With a deep groan, he shifts his hips, pushing into your mouth.

Driven by the desperate sounds he made, you suck harder, determined to make him come again. Face flushed, and stuttered breaths escaping through his parted lips, he is completely at your mercy.

“I’m close, I’m close,” he says in a hurry.

You pull away, but remain bent over, pushing your tits up toward him, offering yourself to him.

He sits up, balancing on one knee. With a few definitive strokes, he spurts onto your chest. His moans of pleasure fill the room, his face grimacing in agonized bliss as he rubs out the last remnants of his release.

Namjoon approaches, handing you a warm, wet washcloth. A shower would be ideal, but this will do for now as exhaustion finally hits you. You fall backward onto the mattress, with Namjoon and Seungcheol sitting up against the headboard on either side of your legs.

The three of you lay in silence for a few moments, staring at the ceiling, heartbeats settling, basking in your post-orgasmic haze.

Namjoon interrupts your thoughts. “Are you alright?”

With heavy eyelids, you look at him, muster a hum, and offer a weak nod before your head lolls back on the bed.

“Tired?” Seungcheol asks, massaging your ankle.

“Naaahh, I can totally go for a couple more rounds,” you reply sarcastically, making everyone burst out laughing.

“Well, now you know how our team works,” Namjoon remarks with a chuckle.

You snort. “Interesting team-building activity.”

“I think we should do more of these, don’t you think?” Seungcheol counters.

You sit up, laughing and shaking your head. “Let’s not get ahead of ourselves.”

He raises an eyebrow. “We could always arrange another meeting if you need more... convincing. Over dinner, maybe?”

Namjoon chimes in, “We can add it to the contract? Make it official?”

They both stare back at you with eager eyes, waiting for your response.

Pursing your lips, your mind races with possibilities, and you can't help but feel a thrill deep within you.

“Maybe,” you smirk.

BTS Fic Masterlist | SVT Fic Masterlist

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[obsidian-pages777]

Asteroid Vesta in your Astrological Chart. Where are you Dedicated?

In Mythology,Vesta is the Roman goddess of hearth, home, and family. Her Greek counterpart is Hestia. Vesta's domain includes the fire at the center of the household and the community, symbolizing warmth, safety, and continuity. Her worship was fundamental to both private homes and the state.

In Roman mythology, Vesta is a virgin goddess, embodying purity and the sanctity of domestic life. The Vestal Virgins, her priestesses, maintained the sacred flame in her temple in Rome, ensuring it never extinguished. This flame represented the heart of Rome itself, and its continuous burning was believed to guarantee the city's eternal life.

Vesta's festivals, like the Vestalia in June, involved rituals that underscored her role in protecting the home and ensuring communal harmony. Her influence extended to everyday Roman life, emphasizing the importance of the hearth as the center of family and civic stability.

In astrology, Vesta is an asteroid associated with themes of dedication, service, sacred space, and focused commitment. It represents where we invest our energy and devotion, as well as areas of life that hold sacred importance to us. When interpreting Vesta's placement in the natal chart by house, it indicates the area of life where these themes are most prominent.

Vesta in the 1st House

Focus: Personal identity, self-expression, and physical appearance.

Themes: Dedication to self-development, personal integrity, and maintaining a strong sense of identity. You might be seen as devoted to self-improvement and personal goals.

Vesta in the 2nd House

Focus: Finances, personal resources, and values.

Themes: Commitment to building financial security and valuing material possessions. You might find a sacredness in your personal values and be dedicated to preserving and enhancing your resources.

Vesta in the 3rd House

Focus: Communication, learning, and immediate environment.

Themes: Devotion to acquiring knowledge and sharing information. You might be dedicated to your siblings, neighbors, or local community, finding importance in staying informed and connected.

Vesta in the 4th House

Focus: Home, family, and roots.

Themes: A strong commitment to family and creating a sacred space at home. You might be dedicated to your family’s wellbeing and have a deep connection to your ancestry and heritage.

Vesta in the 5th House

Focus: Creativity, romance, and children.

Themes: Dedication to creative pursuits, hobbies, and self-expression. You may be deeply invested in romantic relationships or feel a sense of sacredness in your role as a parent or mentor.

Vesta in the 6th House

Focus: Work, health, and daily routines.

Themes: A strong commitment to your work, health, and service. You might find a sense of purpose in your daily routines and be dedicated to maintaining good health and being of service to others.

Vesta in the 7th House

Focus: Partnerships, marriage, and one-on-one relationships.

Themes: Dedication to partnerships and maintaining harmonious relationships. You might place great importance on your marriage or close relationships, seeing them as sacred commitments.

Vesta in the 8th House

Focus: Shared resources, transformation, and intimacy.

Themes: Deep commitment to transformative experiences and shared resources. You might find sacredness in intimate connections and be dedicated to understanding deeper psychological or mystical truths.

Vesta in the 9th House

Focus: Higher education, philosophy, and long-distance travel.

Themes: Devotion to higher learning, spiritual pursuits, and expanding your horizons. You might be dedicated to exploring different cultures, philosophies, or religious beliefs.

Vesta in the 10th House

Focus: Career, public life, and reputation.

Themes: A strong commitment to your career and public standing. You might find a sense of purpose in your professional achievements and be dedicated to attaining your goals and ambitions.

Vesta in the 11th House

Focus: Friends, groups, and social causes.

Themes: Dedication to friendships, group activities, and social causes. You might be deeply invested in your social networks and find sacredness in collective endeavors and humanitarian efforts.

Vesta in the 12th House

Focus: Spirituality, solitude, and the unconscious.

Themes: Commitment to spiritual growth and inner work. You might find solace and purpose in solitude, meditation, and exploring the subconscious mind, dedicating yourself to understanding and healing hidden aspects of your psyche.

Understanding Vesta’s placement in your natal chart can offer insights into where you feel a sense of duty and sacred dedication in your life, guiding you towards areas that hold profound meaning and significance.

Celebrity Examples:

1. Oprah Winfrey – Vesta in the 10th House

Focus: Career and public life.

Themes: Oprah is renowned for her commitment to her career and her influence in the media. Her dedication to empowering others through her platform and maintaining a strong public presence aligns with Vesta’s influence in the 10th house.

2. Albert Einstein – Vesta in the 9th House

Focus: Higher education, philosophy, and long-distance travel.

Themes: Einstein’s dedication to higher learning and the pursuit of knowledge in the field of theoretical physics reflects Vesta’s themes in the 9th house. His work transformed our understanding of the universe, showing a deep commitment to intellectual exploration.

3. Princess Diana – Vesta in the 7th House

Focus: Partnerships and marriage.

Themes: Princess Diana's life was marked by her dedication to her roles in her marriage and her public relationships. Her commitment to humanitarian causes and her efforts to maintain personal relationships are indicative of Vesta’s influence in the 7th house.

4. Steve Jobs – Vesta in the 6th House

Focus: Work and daily routines.

Themes: Jobs’ dedication to his work at Apple and his meticulous attention to detail in his daily routines highlight Vesta’s presence in the 6th house. His commitment to innovation and excellence in his work is a hallmark of this placement.

5. Frida Kahlo – Vesta in the 5th House

Focus: Creativity and self-expression.

Themes: Frida Kahlo’s intense dedication to her art and self-expression aligns with Vesta in the 5th house. Her work often explored personal and emotional themes, reflecting a deep commitment to her creative process.

6. Nelson Mandela – Vesta in the 12th House

Focus: Spirituality and solitude.

Themes: Mandela’s long imprisonment and his profound inner strength and dedication to the fight against apartheid align with Vesta’s themes in the 12th house. His commitment to justice and his spiritual resilience were central to his life and legacy

[batboyblog]

Welcome to Infrastructure Week, Biden edition.

For the 4 years of the Trump Presidency it felt like every other week was gonna be "Infrastructure Week" but some piece of chaos derailed the Trump White House's plans.

well Yesterday, May 13th 2024, The Biden Administration declared this week Infrastructure Week to highlight ALL the major work they've done in the last 3 years.

Under the 2021  Bipartisan Infrastructure Law $454 billion in funding has gone to over 56,000 specific projects across all 50 states, the territories, DC, and tribal communities.

The White House launched a Map of all the projects you can look at

The Bipartisan Infrastructure Law is part of President Biden's wider Investing in America agenda, and together with the Inflation Reduction Act, the CHIPS and Science Act, the American Rescue Plan, all passed by Biden and Democrats in Congress has brought $866 billion dollars in private sector manufacturing and clean energy investments.

They released a State by State factsheet to show projects in all 50 states, all the territories and DC

Roads & Bridges: The Biden Administration has launched improvements on 257,000 miles of roads, and repaired 13,000 bridges. This $300 billion investment in our roads and bridges is the biggest since President Eisenhower’s interstate highway system in the 1950s. The Administration has given special attention to addressing historic injustice in our infrastructure. Many minority communities have been divided by highway bypass projects from the 1940s forward, such as the Sweet Auburn neighborhood of Atlanta Georgia. The Biden-Harris Administration is now helping reconnect divided communities and righting historic wrongs. The Department of Transportation put out a video highlighting the story of Philadelphia's Chinatown, how being split in half and have a multilane highway in the middle of their community effects them, and how the Stitch project will positively impact the people who live there who have fought for years for such relief.

Rail: The Biden Administration has invested  $66 billion for rail, the largest investment in passenger rail since the inception of Amtrak. The President recently announced $16.4 billion for 25 passenger rail projects on the Northeast Corridor. This will improve service for riders from Boston to Washington DC. President Biden has also announced $8.2 billion in new funding for 10 major high speed passenger rail projects across the country. These include a high speed rail project to connect Los Angeles with Las Vegas, which broke ground April 22nd. Planned to be finished in 2028 in time for the LA Olympics, the train will take 2 hours to get from Rancho Cucamonga, California to downtown Las Vegas making it the fastest way between the two cities.

Transit and School Buses: The Administration has invested $90 billion in public transit, the largest in American history. To date the DoT has helped replace 3,000 public buses with low or zero emission buses while the EPA has replaced 5,000 school buses with clean buses.

Electric Vehicle Charging, EV Batteries & Critical Materials: The Biden Administration is the first to directly invest in electric vehicle charging. the number of publicly available charging ports on America’s roads has surpassed 182,000, over a 90% increase since President Biden took office. The President has also invested in domestic manufacturing of batteries, already five manufacturing plants have broken ground.

Clean Water: The President invested over $50 billion government-wide for the largest upgrade to the nation’s water infrastructure in history. This funding places us on a path to meet the President’s commitment to replace every toxic lead pipe in America and works to close the wastewater gap for 2 million people who lack basic sanitation. These funds have already financed over 1,400 drinking water and wastewater projects across the country, including over 800 projects that will deliver clean water for Tribal communities that lack basic water services. To date, the Administration has deployed funding that will help replace up to 1.7 million toxic lead pipes. 

High-Speed Internet: The Bipartisan Infrastructure Law invests $65 billion to help ensure that everyone in America has access to affordable, reliable high-speed internet—regardless of their income, race, or zip code.  Over the last year, all 56 states and territories have developed their plans for how they will spend more than $40 billion in funding to connect every unserved location within their borders. That funding comes atop $1 billion for middle-mile infrastructure, which will build more than 12,000 miles of fiber across 370 counties. These projects, will connect 10,500 people, 1,600 farms, and 295 businesses directly to fiber networks. The Department of Commerce has also awarded 148 Tribal Broadband Connectivity Program (TBCP) grants, serving over 280 Tribal Governments, which will connect more than 65,000 Tribal households, subsidizing thousands of devices, and funding digital inclusion activities for Tribal communities. 

Deploying Clean Energy: The Bipartisan Infrastructure Law includes more than $62 billion in funding at the Department of Energy to advance our clean energy future by investing in clean energy demonstration and deployment projects, developing new technologies, and modernizing our power grid. This includes an investment of over $20 billion to upgrade the nation’s grid—a critical component to achieve President Biden’s goal of delivering a 100% carbon-pollution free power sector by 2035. 

Legacy Pollution: Thanks to funding in the The Bipartisan Infrastructure Law the EPA has been able to cap 8,000 orphaned oil and gas wells, with tens of thousands more to be plugged in the years to come. Over 100 Superfund sites have also been cleaned up or started with funds from the Law as well.

And More!

[sexymemecoin]

The Expansive World of Altcoins: Exploring the Diversity Beyond Bitcoin

Bitcoin, the original cryptocurrency, has long dominated headlines and market discussions. However, the world of digital currencies is vast and diverse, with thousands of alternative coins, or altcoins, each offering unique features and value propositions. Altcoins encompass a broad range of projects, from utility tokens and stablecoins to meme coins and more. This article delves into the rich ecosystem of altcoins, highlighting their significance, various types, and the innovative projects that make up this vibrant space, including a mention of Sexy Meme Coin.

Understanding Altcoins

The term "altcoin" refers to any cryptocurrency that is not Bitcoin. These coins were developed to address various limitations of Bitcoin or to introduce new features and use cases. Altcoins have proliferated since the creation of Bitcoin in 2009, each aiming to offer something different, whether it be improved transaction speeds, enhanced privacy features, or specific utility within certain ecosystems.

Categories of Altcoins

Utility Tokens: Utility tokens provide users with access to a specific product or service within a blockchain ecosystem. Examples include Ethereum's Ether (ETH), which is used to power applications on the Ethereum network, and Chainlink's LINK, which is used to pay for services on the Chainlink decentralized oracle network.

Stablecoins: Stablecoins are designed to maintain a stable value by being pegged to a reserve of assets, such as fiat currency or commodities. Tether (USDT) and USD Coin (USDC) are popular stablecoins pegged to the US dollar, offering the benefits of cryptocurrency without the volatility.

Security Tokens: Security tokens represent ownership in a real-world asset, such as shares in a company or real estate. They are subject to regulatory oversight and are often seen as a bridge between traditional finance and the blockchain world.

Meme Coins: Meme coins are a playful and often humorous take on cryptocurrency, inspired by internet memes and cultural trends. While they may start as jokes, some have gained significant value and community support. Dogecoin is the most famous example, but many others, like Shiba Inu and Sexy Meme Coin, have also captured the public's imagination.

Privacy Coins: Privacy coins focus on providing enhanced privacy features for transactions. Monero (XMR) and Zcash (ZEC) are notable examples, offering users the ability to transact anonymously and protect their financial privacy.

The Appeal of Altcoins

Altcoins offer several advantages over Bitcoin, including:

Innovation: Many altcoins introduce new technologies and features, driving innovation within the cryptocurrency space. For example, Ethereum introduced smart contracts, enabling decentralized applications (DApps) and decentralized finance (DeFi) platforms.

Specialization: Altcoins often serve specific niches or industries, providing targeted solutions that Bitcoin cannot. For instance, Ripple (XRP) focuses on facilitating cross-border payments, while Filecoin (FIL) aims to create a decentralized storage network.

Investment Opportunities: The diverse range of altcoins presents numerous investment opportunities. Investors can diversify their portfolios by investing in projects with different use cases and growth potentials.

Notable Altcoins in the Market

Ethereum (ETH): Ethereum is the second-largest cryptocurrency by market capitalization and has become the backbone of the DeFi and NFT (Non-Fungible Token) ecosystems. Its smart contract functionality allows developers to create decentralized applications, leading to a thriving ecosystem of financial services, games, and more.

Cardano (ADA): Cardano is a blockchain platform focused on sustainability, scalability, and transparency. It uses a proof-of-stake consensus mechanism, which is more energy-efficient than Bitcoin's proof-of-work. Cardano aims to provide a more secure and scalable infrastructure for the development of decentralized applications.

Polkadot (DOT): Polkadot is designed to enable different blockchains to interoperate and share information. Its unique architecture allows for the creation of "parachains," which can operate independently while still benefiting from the security and connectivity of the Polkadot network.

Chainlink (LINK): Chainlink is a decentralized oracle network that provides real-world data to smart contracts on the blockchain. This functionality is crucial for the operation of many DeFi applications, making Chainlink a vital component of the blockchain ecosystem.

Sexy Meme Coin: Among the meme coins, Sexy Meme Coin stands out for its combination of humor and innovative tokenomics. It offers a decentralized marketplace where users can buy, sell, and trade memes as NFTs (Non-Fungible Tokens), rewarding creators for their originality. Learn more about Sexy Meme Coin at Sexy Meme Coin.

The Future of Altcoins

The future of altcoins looks promising, with continuous innovation and increasing adoption across various industries. As blockchain technology evolves, we can expect altcoins to introduce new solutions and disrupt traditional systems. However, the market is also highly competitive, and not all projects will succeed. Investors should conduct thorough research and due diligence before investing in any altcoin.

Conclusion

Altcoins represent a dynamic and diverse segment of the cryptocurrency market. From utility tokens and stablecoins to meme coins and privacy coins, each category offers unique features and potential benefits. Projects like Ethereum, Cardano, Polkadot, and Chainlink are leading the way in innovation, while niche coins like Sexy Meme Coin add a layer of cultural relevance and community engagement. As the cryptocurrency ecosystem continues to grow, altcoins will play a crucial role in shaping the future of digital finance and blockchain technology.

For those interested in the playful and innovative side of the altcoin market, Sexy Meme Coin offers a unique and entertaining platform. Visit Sexy Meme Coin to explore this exciting project and join the community.

[probablyasocialecologist]

Veiled by discussion of headline global trends in new renewables capacity investment is the fact that almost all the incremental progress is currently being made in one country: China. Trumpeting 2023’s 50 percent growth in annual global capacity installations as a global achievement is wrongheaded, given that China by itself delivered nearly 80 percent of the increment. And the IEA, for its part, expects China to continue to be the sole meaningful over-achiever. It recently revised upwards by 728 GW its forecast for total global renewables capacity additions in the period 2023–27. China’s share of this upward revision? Almost 90 percent. While China surges ahead, the rest of the world remains stuck. This raises a crucial question. What is different about the development of solar and wind resources in China from the rest of the world? The main answer is that in China, such development is capitalist in only a very limited sense. Certainly, the entities centrally involved in building out new solar and wind farms in China are companies. But almost all are state-owned. Take wind. Nine of the country’s top 10 wind developers are owned by the government, and such state-owned players control in excess of 95 percent of the market. Moreover, the state is far from being a passive shareholder in these companies. The companies are best seen as instruments wielded by the state in the service of achieving its industrial, geopolitical, and – increasingly – environmental objectives. The best example of this concerns the gargantuan ‘clean energy bases’ first announced by President Xi Jinping in 2021. To be built mainly in the Gobi and other desert areas by 2030, these new bases will have a combined capacity of in excess of 550 GW – more than Europe’s total solar and wind capacity at the time of this writing. Such development is as far from ‘capitalist’ as is imaginable. This is the state, in its most centralized and authoritative form mustering whatever resources it needs at its disposal to ensure that it delivers what it has said it will deliver. Add to this the fact that the banks financing all the new renewables development in China are generally also state-owned and directed, and a stark reality comes into focus. This is essentially central planning in action. Does the profit motive figure? To be sure, it does. But usually only marginally, and it is ridden roughshod over whenever Beijing deems fit.

[ivesambrose]

🤍 JANUARY 2024 FORECAST 🤍

Use sidereal rising and moon

DM or email me at Ivesambrose@gmail.com to book a personal reading 🤎

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Aries : your entire being is focused on career or studies, finances and the material aspects of your life this month. You want to be back with a bang and waste no time. Earlier you may have felt like you had lost an opportunity that was going to bring you a lot of wealth or would have benefitted you in terms of your future goals or career but you'll realize that one door closed and another one opened that led to something far better. That likely you were going to settle for something smaller but the universe had other plans. If you had made investments previously expect sudden gains or if you choose to invest you'll see gains later on this year. Emotionally however, you might feel like your cups are empty or you aren't tending to them as much. You might have a moment of purging of grief that you've been carrying which will bring you catharsis. Some of you might be worried about your mother's health, if you're female please tend to your hormonal health and try to reduce your stress levels. Lastly, don't bite off more than you can chew.

Taurus : You'll regain your childlike optimism, finding little reasons to be happy, expecting good the best instead of the worst. You'll also be excited about the several opportunities or options in front of you that you will manifesting. You'll feel very close to your friends and family, you'll have an event to bond better with them. You have lot of ideas that are unconventional in nature and you'll feel tempted to act on all of them and you likely will. You'll have a lot of energy but that might also lead to burn out so be remain cautious of your Physical health especially if you're working out at the gym. Emotionally you'll be feeling estatic likely due to wealth, business opportunities, indulging in some luxuries, spoiling yourself etc mostly you'll be too focused on your own joy and beauty to fixate on anyone else at the moment. You'll also be more sensitive to intuitive downloads, you'll feel as though a higher force is looking over you and is guiding you when it comes to your life path. Hold your head high.

Gemini : You might feel as though people are little judgemental of you or don't exactly see eye to eye with you when it comes to your career prospects or creative ventures. You aren't sure who wants to help you or take credit for whatever you do. You want to march to the beat of your own drum but you might feel unsure or even fickle minded by what lies ahead. You don't know which path to choose or if you're making any progress. That might lead to some anxiousness. You're advised to calm your head and clear the clutter of your surroundings. You don't want to hear it but you're indeed thinking way too much and acting way too little and thus you remain stuck. Help will be available when you least expect it and stop looking for it. Fix your sleeping schedule and try doing some gentle eye and head massages. Look at the bigger picture. You might get opportunities to travel by end of this month that will be an entire energy shift and could be a possible game changer for you as well.

Cancer : You've been working too hard the past few months, it hasn't brought you the exact results that you hoped it would. You're starting this year finding balance between work and hobbies/me time. Some of you might even get an extra source of income however. You may have romance coming in as you focus on the softer aspects of your life. There might be someone who instills faith and power within you, maybe they aren't around you, could be someone from afar. But they want to see you win at any cost and will push you towards your best. You'll end up having a wish granted somehow, something you have been hoping for will come true. There's a cycle of suffering that is as tight as a knot that you'll be cutting through and free of. You'll receive unexpected help from a friend or a place you've spent your childhood.

Leo : You'll be climbing the ladder of success, there is Inevitable progression in whatever you're working towards. You'll be catching up with old friends and even making new ones. They will encourage you in different aspects of your life and you'll learn a lot from them you might be studying something like a new language or something to do with geography, animals or even farming. The money you spend will come back to you but do spend wisely regardless. Some of you might be getting married or committed. Others of you may have some discord or shortlived strife to deal with. Maybe people competing with you for no reason or arguments at home. Eitherway, you'll be focused on the positive and being as radiant as ever.

Virgo : You're seeing this month as the opening of a movie you haven't seen. In other words, you're treating this as a whole new chapter, you don't want to carry a single old energy or thought process into this year. You're in awe of your own journey. You're preparing yourself for an adventure. You might be writing, documentating, reading, interacting and even learning new skills or languages a lot. Some of you might be preparing to relocate or leave a place. Emotionally, you'll be feeling very fulfilled you might be having suitors, you may fall in love, have someone fall for you or might just find your reason to fall in love with life. Wealth and financial opportunities from overseas will be a big theme too. Start preparing yourself for your new life.

Libra : A new work opportunity that leads you to relocate or leave one thing behind for something better. Mostly I'm seeing something has worked out for you when it comes to your finances so you can allow yourself to lead with your heart and explore spirituality a little more. You'll be maturing as well and taking more accountability when it comes to how you act and what you say or excuses you make and change certain behavioural patterns. I see you looking forward to spending more time with your friends or attending a social gathering or event you'll feel some relief and allow yourself to have fun instead of wanting to control every aspect of your life and seeing it go out of balance. Go and live.

Scorpio : Dedicated work, practice, effort, diligent labour, all if it will add up and pay off for you. Maybe enjoying or self care aren't even your priority at least for this month. You sincerely do have a lot on your plate, you do want to collaborate or simply make substantial progress. This can be anything at all but it will bring you a lot of emotional fulfilment Inevitably. Nothing much to add except, that you be less harsh on yourself and don't ghost the ones who care for you. Cater to that side of you that too wants to be heard & held.

Sagittarius : A particular uncertainty or excess load that you've been carrying will come to an end. There's a matter that will be resolved. You'll feel extremely thankful for it, because you got what you wanted so now you can walk ahead or away from what had been making you feel 50 - 50 for quite some time. It felt like you were the only one giving it your 100 but the outcome wasn't what you had hoped for. I see you being guarded or keeping certain matters to yourself, this could be your long term plans and investments. You might catch a break and revisit old hobbies, places, friends or an interest you had abandoned.

Capricorn : You need to rest or you'll face extreme levels of exhaustion. You might be feeling the need to slow down, feeling more sleepy too, check your vitamin D levels, try and get some sunlight if you can. Dip your feet in warm water and look after your feet in general there might be some heartache or betrayal, might just be memories from the past, there's some ache you carry or have been carrying for quite a long time. You've expressed it but now you feel empty. I do someone being a balm to your heart, might be a fated person you encounter you'll be encouraged to heal your inner child, indulge in some whimsies, day dreaming, walking barefoot in nature and eating more wholesome organic meals. There will be people who treat you with the same kindness you show them too.

Aquarius : You'll be feeling comforted and loved. So anyone else's ill intentions or projected negativity won't matter. Things have started looking up for you slowly but surely, so you're at a place in your life you really do priotrize your peace over anything else. It's simply not worth it, paying heed to anyone's repetitive drama, to people who can't commit and won't progress beyond 3 days of effort. You might be spending time with animals or a pet, you'd feel really connected to them. You'll find happiness seeing others be happy or getting what they want. You might visit some art fairs, museums or start painting or drawing again as well. Mostly for yourself since you're happy with how far you've come so there's no need to rush anymore.

Pisces : Stability and happiness, finally. This can come in the form of a wedding, better relationship with your spouse or loved one or even family, finances improving, health improving etc a combination of all. After a long time, you can be at ease. Sudden increase in fortune or business is also extremely possible, travel is also in the cards, you'll also see the luck of the people you care for or befriend, increase. You might be prone to skin issues however, so please opt for hydrating products also stay warm and do your stretches.

©️ 𝓘𝓿𝓮𝓼𝓪𝓶𝓫𝓻𝓸𝓼𝓮

[charterunionfinance]

Financial Instrument Services | Business Finance Service USA

We offer a wide array of financing options, Financial Instrument services, and business finance service in USA. Contact Us Today!

[charterunion1]

Commercial Real Estate Finance: Essential Tips and Insights

The field of commercial real estate exists diversely, and this presents many opportunities that you can use to your advantage. Contrastingly, the Commercial real estate finance market sector is a strategically based process that necessitates an acute awareness of market currents. No matter how skilled you are as an investor or you have no experience at all, the advices and information below should always be part of your attempt to get financing for commercial real estate investments.

Understanding Commercial Real Estate Finance

Investments in commercial real estate financing not only secure the finance responsive to buildings or sites aimed towards business activities and income generation but also lend financial stability to the related financial institutions.

Though there is the added cost of purchasing a residential property, which goes above the commercial requirement, it still requires more borrowing and complex finance deals against the commercial property requirement.

Types of Estate Financing

Along these lines, the financing opportunities in commercial real estate vary depending on the thing properties are being placed assets into, the strategy for the hypothesis, and the monetary profile of the borrower. Land credits might be acquired through subsidizing, similar to advances from different domains.

On the list of financial products are traditional mortgages, construction loans, and bridge loans. In addition, unconventional sources like standby financing, mezzanine financing, and real estate investment trusts (REIT) encompass arbitrary needs and supply diversification.

Navigating Commercial Real Estate Loans

When a commercial building is involved in refinancing, the loan can be used as an alternative to financing a purchase or development. In the course of due diligence, borrowers will review the creditors’ quality for the security of the property, their creditworthiness, the amount of money brought by the project, and the specifics that dictate particular credit, such as the existing market conditions. If borrowers want their commercial real estate loan term to be more attractive, they must submit stable financial records and a credible repayment plan.

Energy Finance and Investment Services

Commercial real estate activities and environmental concerns, including energy effectiveness and sustainability, have become key issues for investors and developers. Services around energy financing & investment allow for the inclusion of renewable energy, green building, and efficiency in all commercial real estate projects.

These Energy Finance and Investment Service projects not only save money on utility bills and increase properties’ market value but also care about the environment, thus promoting corporate social responsibility.

Key Considerations for Success

Investing incommercial real estate finance requires implementing strategies like adequate due diligence and risk management to solve possible drawbacks and make profits. The know-how of market study, the ability to examine property availability, and the hands-on experience gained from lease agreement assessment can provide significant market insights into investments.

Furthermore, monitoring the portfolios of different courses and keeping up with any regulatory changes and economic trends are important for the long-term success of people in commercial real estate finance.

Conclusion

Investments in Commercial real estate finance, through income-generating properties and projects that require development, present investors with a promising financial market in which to participate.

By studying the finer subtleties of commercial real estate financing, exploiting multiple funding sources, and prioritizing sustainable economic strategies, investors will overcome the complexities of this sector and thus fulfill their financial commitments. Smarter organization, precision, and careful planning are still commercial real estate assets investors can use to create wealth and diversify portfolios.

For more information visit here - https://www.charterunionfin.com/financial-solutions/ 

[amtalchemy]

Results of Bhavat Bhavam (house to house technique): An alternative perspective

Bhavat Bhavam is a house to house technique in Vedic Astrology when you see the results of a ruling house by seeing the Bhavat Bhavam house from moving the same number of houses from the numerical house it rules. In my perspective, it's the reverse where the ruling house shows the results and strength of the Bhavat Bhavam house. It goes according as followed:

1st from the 1H is the 1H - strong character, health, and self-knowledge leads to strong and active 1H in influence and vitality

2nd from the 2H is the 3H - strong speech / voice, wealth and resources, and drive to obtain finances (2H) leads to strong and active 3H in communication and ability to create wealth through marketing, sales, writing, e-commerce, diversifying skills / income streams, etc

3rd from the 3H is the 5H - strong communication skills and dexterity (3H) leads to strong and active 5H in self-expression, creativity, and creative intelligence

4th from the 4H is the 7H - strong emotional support of mother/family and domestic comfort (4H) leads to strong, healthy, and active 7H in relationships and marriage

5th from the 5H is the 9H - strong creative intelligence (5H) leads to strong and active higher intelligence and philosophical thinking

6th from the 6H is the 11H - strong work ethic (6H) leads to strong and active 11H in fulfillment of wishes and financial gains

7th from the 7H is the 1H - strong relationship-building skills with other people (7H) leads to strong 1H in leadership and influence

8th from the 8H is the 3H - strong occultic knowledge / power and metaphysical insight and perspective of the world (8H) leads to strong and active 3H in manifestations, magic, and anything evolving communication or building things digitally like coding / software engineering to manifest things

9th from the 9H is the 5H - strong philosophical knowledge and education (9H) leads to strong, heightened, and active 5H in creative thinking

10th from the 10H is the 7H - strong status and reputation (10H) leads to strong and active 7H in popularity and social fame and trust in relationships

11th from the 11H is the 9H - strong network circle and financial gains in life (11H) leads to strong and active 9H in luck

12th from the 12H is the 11H - strong service / acts of selflessness and expenditure / investment of time, energy, and resources (12H) leads to strong and active 11H in financial and social gains

[tarotwithavi]

What will draw your future spouse to you?

1-2-3

Masterlist

Paid services

How to choose a pile?

Take a deep breath and close your eyes. Kindly ask your spirit guides to show you the right pile for yourself and then open your eyes. Whichever pile catches your attention is the right pile for you.

Pile 1

Hey pile 1! I'm getting that you guys don't really allow negative feedback from people to get to you and you move on from things really easily. You are not afraid to let go of things. I am also getting that you really try to evolve yourself and let go of the old habits that do not serve you anymore. You guys are also very in tune with your emotions and you are not afraid to be vulnerable. If something hurts you , you are not afraid to talk about it to the person who did that rather than locking your emotions away and blaming yourself. You guys really know how to invest your money in the right place. You guys might be into saving or you don't spend money impulsively. You guys know how to manage your finances. I am also getting that there is a sense of competitiveness inside you, and you don't like defeat. If you really like someone or something you are not afraid to fight for them and that will draw your future spouse to you. You guys might have the mentality of "I will for my lover doesn't matter if the whole world will turn against me" Or "I'll do my best so I don't have to regret later". You guys know when to let go of someone and when to fight for them. Your future spouse will admire this about you. I'm also getting that some of you may be obsessed with saving or investing your money into something that will double your money with time, like stocks or something. By the time you'll meet your future spouse you will accomplish a lot of things and still be humble, you're down to earth nature will attract your future spouse a lot.

Pile 2

Welcome Pile 2! Your ambition and passion for life will draw your future spouse to you. I'm also getting that some of you may love to travel or you guys may love to learn about different cultures. Your future spouse will love how understanding, respectful and humble you are. Another thing I am picking up on is that you guys are always looking forward to the positive side of life and you guys are not afraid to try new things. I am also wearing that some of you may like swimming or spending time by the beach. You guys have great patience and you are willing to wait for them. Your future spouse may be working by the time you meet them so They will want to focus on their career and they won't be working. You will still be very patient with them and you will not Rush them into doing things that they don't want to do. You will be willing to wait for them and that is what they will admire the most about you. For some of you I am getting that you guys may have a very interesting personality or you guys know about a lot of things and your future spouse is someone who is very attracted to intelligent people. I am also getting that you guys don't show your cards at once and you guys have a lot of interesting aspects to you. Your future spouse will not be able to put you in a certain box because they will always be finding new things about you and you will always keep them wondering about you. There is also something very pure about you. I am getting that you guys are waiting for marriage and won't lose your V card before marriage. Your future spouse will think of you as a pure soul and want to protect you.

Pile 3

Hello pile 3! The first thing I channel there is that you might be very seductive to your future spouse. You may not be a very sexual person but it's just your energy. There is a very alluring and mysterious vibe to you. I am also getting that you are your future spouse's Ideal type. They have always wanted someone just like you and you are like a dream come true for them. I'm also getting that there is no way that they will let you go because your future spouse is very much obsessed with you but not in a negative way. Yours pose Mein seed and thousand you and I am also get in that you bring back memories of their childhood and you give them your nostalgia. Your future spouse is going to feel an instant connection with you and they might feel as if they have known you for a very long time. Or it could be that you have already met your future spouse. You guys are very understanding and no matter how your future spouse will act you will always teach them the right things and help them evolve. Now I'm also getting that your future spouse sees you as someone who has made them a better person. Another message I'm picking upon is that your future spouse will be drawn towards you because of your nurturing and caring personality. They will like how you are always willing to help others and how you are always evolving yourself. This might sound cliche but your future spouse will think that you're not like others. They will like how in tune you are with your feminine side. Your future spouse will be drawn to you because they will think that you can bring stability into their life. And I'm not saying that they'll depend on you . They just see you as a perfect partner.

[kleopatra45]

Stelliums in the Houses [Solar Return]

Aries

A stellium in Aries in your solar return chart brings an intense focus on action, independence, and new beginnings. This year, you’ll feel driven to assert yourself and take the lead in various aspects of life. Expect sudden bursts of energy and a desire to break free from anything holding you back. Your confidence and courage will be heightened, making it a powerful year for starting new ventures.

Taurus

With a Taurus stellium, the year is about stability, comfort, and building lasting foundations. You’ll find yourself drawn to material security and pleasures, with a strong focus on finances and personal values. This year encourages patience and persistence as you work toward your goals. Your appreciation for beauty and the finer things in life will be magnified, making it a great time to invest in what truly brings you joy.

Gemini

A Gemini stellium highlights communication, learning, and social connections. This year, expect an increase in mental activity and curiosity. You’ll be more inclined to explore new ideas, engage in conversations, and adapt to changes. Networking will be a significant theme, and your ability to multitask will be at its peak. It’s a year to embrace variety and stay open to new experiences.

Cancer

With a Cancer stellium, the focus shifts to home, family, and emotional security. This year, you’ll feel a strong pull toward nurturing relationships and creating a safe, comforting environment. Your intuition and sensitivity will be heightened, making it a year of deep emotional connections and self-care. Themes of protection and caregiving will dominate, and you may find yourself more attuned to the needs of others.

Leo

A Leo stellium brings a year of self-expression, creativity, and recognition. You’ll feel a heightened desire to shine and be seen, whether through creative projects, leadership roles, or personal achievements. This is a time to embrace your individuality and take pride in your accomplishments. Your charisma will be amplified, making it a year where you can inspire others and leave a lasting impression.

Virgo

With a Virgo stellium, the focus is on health, work, and service. This year, you’ll be driven to organize, analyze, and improve various areas of your life. Attention to detail will be key, and you may find yourself refining your routines and habits. This is a year for practical achievements and helping others, as your sense of duty and responsibility will be at the forefront.

Libra

A Libra stellium emphasizes relationships, harmony, and balance. This year, partnerships and collaborations will take center stage. You’ll be more focused on creating peace and finding common ground in your interactions. Aesthetic sensibilities will be heightened, making it a great time for artistic pursuits and beautifying your surroundings. The year encourages diplomacy and fairness in all your dealings.

Scorpio

With a Scorpio stellium, the year is marked by transformation, intensity, and deep emotional experiences. You’ll be drawn to uncover hidden truths and delve into the mysteries of life. This is a time for profound inner change and personal growth, often triggered by intense relationships or situations. Your resilience and determination will be tested, but they will also lead to significant breakthroughs.

Sagittarius

A Sagittarius stellium brings a year of exploration, learning, and expansion. You’ll feel a strong urge to seek out new experiences, whether through travel, education, or philosophical pursuits. This year is about broadening your horizons and embracing the unknown. Optimism and a sense of adventure will guide you, making it a time for growth and discovering new perspectives.

Capricorn

With a Capricorn stellium, the focus is on ambition, responsibility, and long-term goals. This year, you’ll be more disciplined and determined to achieve your objectives. Professional success and reputation will be significant themes, as you work diligently to build a solid foundation for the future. Patience and perseverance will be key, as you navigate challenges with a strategic mindset.

Aquarius

An Aquarius stellium emphasizes innovation, individuality, and social change. This year, you’ll be more inclined to think outside the box and challenge the status quo. Your focus will be on community, technology, and future-oriented goals. This is a time to embrace your uniqueness and contribute to causes that align with your values. Expect breakthroughs and a desire to connect with like-minded individuals.

Pisces

With a Pisces stellium, the year is about spirituality, creativity, and compassion. You’ll feel a strong connection to your intuition and the mystical side of life. This is a time for healing, artistic expression, and helping others. Your empathy and sensitivity will be heightened, making it a year of deep emotional and spiritual experiences. It’s a time to go with the flow and trust in the universe’s guidance.

I hope this helps! ♥️

©️kleopatra45

[treethymes]

With the exceptions of North Korea and Cuba, the communist world has merged onto the capitalist highway in a couple different ways during the twenty-first century. As you’ve read, free-trade imperialism and its cheap agricultural imports pushed farmers into the cities and into factory work, lowering the global price of manufacturing labor and glutting the world market with stuff. Forward-thinking states such as China and Vietnam invested in high-value-added production capacity and managed labor organizing, luring links from the global electronics supply chain and jump-starting capital investment. Combined with capital’s hesitancy to invest in North Atlantic production facilities, as well as a disinclination toward state-led investment in the region, Asian top-down planning erased much of the West’s technological edge. If two workers can do a single job, and one worker costs less, both in wages and state support, why pick the expensive one? Foxconn’s 2017 plan to build a U.S. taxpayer–subsidized $10 billion flat-panel display factory in Wisconsin was trumpeted by the president, but it was a fiasco that produced zero screens. The future cost of labor looks to be capped somewhere below the wage levels many people have enjoyed, and not just in the West.

The left-wing economist Joan Robinson used to tell a joke about poverty and investment, something to the effect of: The only thing worse than being exploited by capitalists is not being exploited by capitalists. It’s a cruel truism about the unipolar world, but shouldn’t second place count for something? When the Soviet project came to an end, in the early 1990s, the country had completed world history’s biggest, fastest modernization project, and that didn’t just disappear. Recall that Cisco was hyped to announce its buyout of the Evil Empire’s supercomputer team. Why wasn’t capitalist Russia able to, well, capitalize? You’re already familiar with one of the reasons: The United States absorbed a lot of human capital originally financed by the Soviet people. American immigration policy was based on draining technical talent in particular from the Second World. Sergey Brin is the best-known person in the Moscow-to-Palo-Alto pipeline, but he’s not the only one.

Look at the economic composition of China and Russia in the wake of Soviet dissolution: Both were headed toward capitalist social relations, but they took two different routes. The Russian transition happened rapidly. The state sold off public assets right away, and the natural monopolies such as telecommunications and energy were divided among a small number of skilled and connected businessmen, a category of guys lacking in a country that frowned on such characters but that grew in Gorbachev’s liberalizing perestroika era. Within five years, the country sold off an incredible 35 percent of its national wealth. Russia’s richest ended the century with a full counterrevolutionary reversal of their fortunes, propelling their income share above what it was before the Bolsheviks took over. To accomplish this, the country’s new capitalists fleeced the most vulnerable half of their society. “Over the 1989–2016 period, the top 1 percent captured more than two-thirds of the total growth in Russia,” found an international group of scholars, “while the bottom 50 percent actually saw a decline in its income.” Increases in energy prices encouraged the growth of an extractionist petro-centered economy. Blood-covered, teary, and writhing, infant Russian capital crowded into the gas and oil sectors. The small circle of oligarchs privatized unemployed KGB-trained killers to run “security,” and gangsters dominated politics at the local and national levels. They installed a not particularly well-known functionary—a former head of the new intelligence service FSB who also worked on the privatization of government assets—as president in a surprise move on the first day of the year 2000. He became the gangster in chief.

Vladimir Putin’s first term coincided with the energy boom, and billionaires gobbled up a ludicrous share of growth. If any individual oligarch got too big for his britches, Putin was not beyond imposing serious consequences. He reinserted the state into the natural monopolies, this time in collaboration with loyal capitalists, and his stranglehold on power remains tight for now, despite the outstandingly uneven distribution of growth. Between 1980 and 2015, the Russian top 1 percent grew its income an impressive 6.2 percent per year, but the top .001 percent has maintained a growth rate of 17 percent over the same period. To invest these profits, the Russian billionaires parked their money in real estate, bidding up housing prices, and stashed a large amount of their wealth offshore. Reinvestment in Russian production was not a priority—why go through the hassle when there were easier ways to keep getting richer?

While Russia grew billionaires instead of output, China saw a path to have both. As in the case of Terry Gou, the Chinese Communist Party tempered its transition by incorporating steadily increasing amounts of foreign direct investment through Hong Kong and Taiwan, picking partners and expanding outward from the special economic zones. State support for education and infrastructure combined with low wages to make the mainland too attractive to resist. (Russia’s population is stagnant, while China’s has grown quickly.) China’s entry into the World Trade Organization, in 2001, gave investors more confidence. Meanwhile, strong capital controls kept the country out of the offshore trap, and state development priorities took precedence over extraction and get-rich-quick schemes. Chinese private wealth was rechanneled into domestic financial assets—equity and bonds or other loan instruments—at a much higher rate than it was in Russia. The result has been a sustained high level of annual output growth compared to the rest of the world, the type that involves putting up an iPhone City in a matter of months. As it has everywhere else, that growth has been skewed: only an average of 4.5 percent for the bottom half of earners in the 1978–2015 period compared to more than 10 percent for the top .001 percent. But this ratio of just over 2–1 is incomparable to Russia’s 17–.5 ration during the same period.

Since the beginning of the twenty-first century, certain trends have been more or less unavoidable. The rich have gotten richer relative to the poor and working class—in Russia, in China, in the United States, and pretty much anywhere else you want to look. Capital has piled into property markets, driving up the cost of housing everywhere people want to live, especially in higher-wage cities and especially in the world’s financial centers. Capitalist and communist countries alike have disgorged public assets into private pockets. But by maintaining a level of control over the process and slowing its tendencies, the People’s Republic of China has built a massive and expanding postindustrial manufacturing base.

It’s important to understand both of these patterns as part of the same global system rather than as two opposed regimes. One might imagine, based on what I’ve written so far, that the Chinese model is useful, albeit perhaps threatening, in the long term for American tech companies while the Russian model is irrelevant. Some commentators have phrased this as the dilemma of middle-wage countries on the global market: Wages in China are going to be higher than wages in Russia because wages in Russia used to be higher than wages in China. But Russia’s counterrevolutionary hyper-bifurcation has been useful for Silicon Valley as well; they are two sides of the same coin. Think about it this way: If you’re a Russian billionaire in the first decades of the twenty-first century looking to invest a bunch of money you pulled out of the ground, where’s the best place you could put it? The answer is Palo Alto.

Malcolm Harris, Palo Alto