#Financial Benefits

[asherbrien]

Understanding The Financial Benefits of Buying a Home with Cash

Buying a home for cash can be a smart financial move for many buyers. While the traditional route often involves financing through a mortgage, purchasing a property outright offers several significant financial benefits. Here’s a comprehensive look at the advantages of buying a home with cash.

No Monthly Mortgage Payments One of the most immediate benefits of purchasing a home with cash is the elimination of monthly mortgage payments. Without a mortgage, you free up a significant portion of your monthly budget, allowing for greater financial flexibility. This can be especially beneficial for retirees or those on a fixed income, as it reduces the overall financial burden and stress associated with monthly payments.

Interest Savings

Buying a home with cash means you avoid paying interest on a mortgage. Depending on the loan amount and interest rate, this can result in substantial savings over time. For example, a $300,000 mortgage with a 4% interest rate over 30 years can cost you nearly $216,000 in interest alone. By paying in cash, you keep that money in your pocket, which can be reinvested or used for other expenses.

Stronger Negotiating Position Cash buyers often have a competitive edge in the real estate market. Sellers typically prefer cash offers because they are perceived as less risky—there’s no need to worry about financing falling through. This can lead to a more favorable purchase price or terms, as sellers may be more willing to negotiate with buyers who can pay immediately. In competitive markets, a cash offer can be the deciding factor in securing a property. No Mortgage-Related Fees

When you buy a home with cash, you avoid many fees associated with obtaining a mortgage, such as origination fees, appraisal fees, and private mortgage insurance (PMI). These fees can add up, often totaling thousands of dollars. By eliminating these costs, you keep more of your money available for other investments or home improvements. Increased Equity Purchasing a home outright gives you 100% equity from day one. This can be a significant advantage, as equity can be leveraged in the future for various financial needs, such as funding a child’s education, covering emergencies, or investing in other properties. With equity built up immediately, you have more financial security and options available.

Less Financial Risk Owning a home outright reduces your financial risk. In uncertain economic times, having no mortgage payment can provide peace of mind. If faced with unexpected expenses or income loss, cash buyers are less likely to face foreclosure, as they have already eliminated one of the most significant financial liabilities associated with homeownership.

Simplified Home Buying Process The home-buying process can be complex, especially when securing financing. By purchasing with cash, you simplify this process significantly. You can avoid lengthy loan approvals, appraisals, and inspections that lenders typically require. This can expedite your purchase and reduce the overall stress associated with buying a home.

Potential for Higher Returns Investing in real estate can yield higher returns than many traditional investment vehicles. By purchasing a property with cash, you can potentially rent it out for a steady income stream, increasing your return on investment. The absence of mortgage payments means that rental income can contribute directly to your financial goals.

Conclusion While buying a home with cash may not be feasible for everyone, the financial benefits are significant for those who can do so. From eliminating monthly payments and interest costs to enhancing your negotiating position and simplifying the buying process, cash purchases offer advantages that can lead to greater financial stability and freedom. Ultimately, for those in a position to buy a home outright, it can be a wise investment that pays dividends for years to come.

[anik211]

CATL's Tianxing-B Battery: Revolutionizing Electric Buses with Financial Benefits and ROI 🚌🔋

🔍Contemporary Amperex Technology Co., Limited (CATL) has unveiled its latest innovation, the Tianxing-B battery, specifically designed for the electric bus sector. This cutting-edge battery not only boasts an impressive lifespan of up to 1.5 million kilometers (932,000 miles) and a warranty of 10 years or 1 million kilometers (621,400 miles) but also offers substantial financial benefits that…

[poojahedge5]

Build a greener future, Decarbonization in real estate projects with eco-friendly, sustainable solutions for lasting impact.

[powerexec]

Why Self-Employed Individuals Should Explore SETC and FFCRA Benefits

Why Self-Employed Small Business Owners Should Explore SETC and FFCRA Benefits As a self-employed small business owner, gig worker, or 1099 contractor, managing finances can often feel like walking a tightrope. Between fluctuating incomes, rising costs, and complex tax regulations, it’s easy to overlook potential benefits that could significantly ease your financial burden. Among these benefits,…

[productiveandfree]

5 Compelling Reasons to Switch to a Nursing Career

A nursing career is a highly fulfilling profession for individuals with a heart for service. If you’re considering a career change to nursing, here are five reasons to help solidify your decision.

Nursing Jobs are in High Demand

For years, the demand for nurses nationwide has been constantly increasing. While the nursing job market remains competitive, the great need for nurses continues to grow. The U.S. Bureau of Labor Statistics forecasts a 6% growth in the employment of registered nurses from 2022 to 2032.

Registered nurses will continue to be in demand in different healthcare settings, making nursing a viable career option.

Employment Opportunities Are Vast and Diverse

Another effective reason to switch to a nursing career is the vast and diverse employment opportunities. Compared to other professions, you have a variety of workplace settings to choose from. For instance, if you thrive in a large setting, working in a public hospital might be a good fit for your skills.  

If you prefer a more intimate workplace environment that provides one-to-one patient care, you can opt to be a home health nurse. You have the freedom to choose where you want to work and the role you want to fulfill.  

Since you already have a prior degree, you can easily transition to nursing by pursuing an accelerated bachelor of science in nursing program. With these types of online programs, you get the chance to continue earning income with your initial degree while pursuing a second one.

Lucrative Financial Benefits

One significant advantage of a nursing career is its high earning potential and lucrative benefits. Since registered nurses are in high demand, healthcare facilities are more than willing to pay a competitive salary to experienced and qualified nurses. Getting a higher nursing salary is also possible if you pursue higher education.  

Many employers also offer attractive non-salary benefit packages, such as tuition assistance, wellness and mental health services, paid volunteer days, childcare services, paid maternity and paternity leave, cross-training programs, and concierge service. A nursing career can give you a steady and strong financial future, which may not be possible in other professions. 

Job Stability

Job stability is another compelling reason to switch to a nursing career. Regardless of how strong the influx of technology is, it is highly unlikely that nurses will be replaced by innovation anytime soon. Unlike some occupations with a high level of uncertainty, nursing is an integral profession not only for the healthcare industry but also for society as a whole.

A Highly Fulfilling Profession

Nursing is unquestionably one of the most gratifying professions you can pursue. If you want to make a significant impact in others’ lives, being a nurse can provide you with that opportunity. You get to be in the frontline, helping patients to the best of your abilities. 

Instead of working in an eight-hour office shift, you have the chance to work directly with individuals in an environment conducive to care. A career in nursing gives you a unique opportunity to save and enhance the lives of others, a luxury that is not available to most occupations.

Endnote

Nursing is a multifaceted profession that offers numerous benefits to all types of individuals. If you’re looking for a more challenging and fast-paced job that provides you with meaningful work and personal development opportunities, and a steady income, nursing may be the best fit for you.

Share in the comments below: Questions go here

[majaurukalo]

Disability benefits shouldn’t be tied to the income of a disabled person’s partner/spouse/parent.

Do you hear me?

DISABILITY BENEFITS SHOULDN’T BE TIED TO THE INCOME OF A DISABLED PERSON’S PARTNER/SPOUSE/PARENT.

This is the straight forward way to deprive a disabled person of their financial freedom and independence and trap them into possible abusive relationships.

[lovingazhomes]

The American Dream

Homeownership Is Still at the Heart of the American Dream Owning your own home is a big deal, and it’s still a major part of the American Dream. It’s more than just having a place to live – it gives you a sense of belonging, stability, and freedom. Many Americans believe in the value of homeownership for a few good reasons. Click Link For Details ~Under $400,000 Keep reading for insightful…

[attheideality]

Sustainable Living on a Budget: Practical Tips for Green Living Without Sacrificing Your Wallet

[snurtle]

I've been thinking about the templars lately. they were promised honor, virtue, told that they would be charged with protection of the innocent... And then those same people are systemically exploited and abused, abuse others because they're taught to regard everyone else as either sheep who need to be lead or potential threats. Never equals, except in their brothers/sisters-in-arms. They act as the guard-dogs and military arm of an entirely different organization that they're only a functionary member of but have no governing say in. Even the chantry aren't their equals- they function as the templar order's supervisors! And all this isolation and closing of ranks ends in disability, addiction, death, and abandonment by the system they spent their bodies in service of.

To top that off, retaliations against them just confirm the paranoia they were taught to embrace. It's probably a long hard road to get out of that hole.

Like, listen. the dichotomy of mage vs templars is a satisfying and easy one, but the system is tearing them apart too. have you ever heard of a retired templar?

at the end of it, mages and templars need to unite against the real threat. the chantry.

[asherbrien]

Maximizing Your Profits: The Financial Benefits of Entertaining Cash Offers for Your House

When considering selling your house, entertaining cash offers can provide significant financial benefits. While it might seem like a straightforward decision, understanding how cash offers can enhance your financial outcome can help you make the most of your property sale. Here’s how accepting a cash offer can maximize your profits.

1. Avoiding Selling Costs

One of the primary financial advantages of cash offers on houses is the ability to avoid various selling costs associated with traditional sales. When selling a house through conventional methods, you often incur expenses such as appraisal fees, inspection costs, and real estate agent commissions. Cash buyers typically cover their closing costs, and they may be willing to purchase the property as-is, which means you can save on repair and renovation costs. By eliminating these expenses, you retain more of the sale proceeds, directly boosting your profit margin.

2. Faster Sale Means Reduced Holding Costs

A quick sale is not only convenient but also financially beneficial. Holding onto a property longer than necessary incurs ongoing costs, including mortgage payments, property taxes, insurance, and maintenance. By accepting a cash offer, you expedite the sale process, reducing the time you spend covering these expenses. The sooner you sell, the sooner you can eliminate these costs, effectively increasing your net profit from the sale.

3. Minimized Risk of Deal Fallout

Traditional sales often come with the risk of deals falling through, particularly when buyers rely on mortgage financing. If a buyer’s loan is denied, the transaction can collapse, potentially leading to additional costs and delays. Cash offers eliminate this risk, providing a more secure and reliable sale. The certainty of a cash transaction means you avoid potential financial setbacks related to failed deals, protecting your anticipated profit.

4. Reduced Negotiation and Repair Costs

Cash buyers are generally less likely to request extensive repairs or renovations compared to buyers who are obtaining financing. This can save you significant amounts in repair costs and reduce the need for lengthy negotiations. By presenting your property as-is, you can often avoid the expense and hassle of addressing various issues, allowing you to keep more of the sale proceeds.

5. Enhanced Negotiating Leverage

Cash offers can provide you with a stronger negotiating position. Since cash buyers are typically motivated to close quickly, you may have the opportunity to negotiate better terms or a higher sale price. The urgency of a cash offer can be advantageous if you’re in a hurry to sell, enabling you to leverage the speed of the transaction to your financial benefit.

6. Simplified Transaction Process

The streamlined nature of a cash transaction reduces the complexity of the sale. Without the need for mortgage approval and additional financial scrutiny, the paperwork and administrative tasks are minimized. This simplified process means fewer potential complications and delays, allowing you to complete the sale efficiently and securely.

7. Greater Financial Certainty

Finally, the certainty of a cash offer provides peace of mind. Knowing that the buyer has the funds available and is committed to completing the purchase removes the uncertainty and stress often associated with traditional sales. This financial stability ensures that you can confidently plan your next steps without worrying about potential deal issues.

In summary, entertaining cash offers for your house can maximize your profits by eliminating selling costs, reducing holding expenses, and minimizing risks. With faster sale times, reduced negotiation and repair costs, and enhanced negotiating leverage, a cash offer represents a financially advantageous option that can significantly boost your overall return from the sale.

[mostlysignssomeportents]

How finfluencers destroyed the housing and lives of thousands of people

For the rest of May, my bestselling solarpunk utopian novel THE LOST CAUSE (2023) is available as a $2.99, DRM-free ebook!

The crash of 2008 imparted many lessons to those of us who were only dimly aware of finance, especially the problems of complexity as a way of disguising fraud and recklessness. That was really the first lesson of 2008: "financial engineering" is mostly a way of obscuring crime behind a screen of technical jargon.

This is a vital principle to keep in mind, because obscenely well-resourced "financial engineers" are on a tireless, perennial search for opportunities to disguise fraud as innovation. As Riley Quinn says, "Any time you hear 'fintech,' substitute 'unlicensed bank'":

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

But there's another important lesson to learn from the 2008 disaster, a lesson that's as old as the South Seas Bubble: "leverage" (that is, debt) is a force multiplier for fraud. Easy credit for financial speculation turns local scams into regional crime waves; it turns regional crime into national crises; it turns national crises into destabilizing global meltdowns.

When financial speculators have easy access to credit, they "lever up" their wagers. A speculator buys your house and uses it for collateral for a loan to buy another house, then they make a bet using that house as collateral and buy a third house, and so on. This is an obviously terrible practice and lenders who extend credit on this basis end up riddling the real economy with rot – a single default in the chain can ripple up and down it and take down a whole neighborhood, town or city. Any time you see this behavior in debt markets, you should batten your hatches for the coming collapse. Unsurprisingly, this is very common in crypto speculation, where it's obscured behind the bland, unpronounceable euphemism of "re-hypothecation":

https://www.coindesk.com/consensus-magazine/2023/05/10/rehypothecation-may-be-common-in-traditional-finance-but-it-will-never-work-with-bitcoin/

Loose credit markets often originate with central banks. The dogma that holds that the only role the government has to play in tuning the economy is in setting interest rates at the Fed means the answer to a cooling economy is cranking down the prime rate, meaning that everyone earns less money on their savings and are therefore incentivized to go and risk their retirement playing at Wall Street's casino.

The "zero interest rate policy" shows what happens when this tactic is carried out for long enough. When the economy is built upon mountains of low-interest debt, when every business, every stick of physical plant, every car and every home is leveraged to the brim and cross-collateralized with one another, central bankers have to keep interest rates low. Raising them, even a little, could trigger waves of defaults and blow up the whole economy.

Holding interest rates at zero – or even flipping them to negative, so that your savings lose value every day you refuse to flush them into the finance casino – results in still more reckless betting, and that results in even more risk, which makes it even harder to put interest rates back up again.

This is a morally and economically complicated phenomenon. On the one hand, when the government provides risk-free bonds to investors (that is, when the Fed rate is over 0%), they're providing "universal basic income for people with money." If you have money, you can park it in T-Bills (Treasury bonds) and the US government will give you more money:

https://realprogressives.org/mmp-blog-34-responses/

On the other hand, while T-Bills exist and are foundational to the borrowing picture for speculators, ZIRP creates free debt for people with money – it allows for ever-greater, ever-deadlier forms of leverage, with ever-worsening consequences for turning off the tap. As 2008 forcibly reminded us, the vast mountains of complex derivatives and other forms of exotic debt only seems like an abstraction. In reality, these exotic financial instruments are directly tethered to real things in the real economy, and when the faery gold disappears, it takes down your home, your job, your community center, your schools, and your whole country's access to cancer medication:

https://www.theguardian.com/world/2012/jun/08/greek-drug-shortage-worsens

Being a billionaire automatically lowers your IQ by 30 points, as you are insulated from the consequences of your follies, lapses, prejudices and superstitions. As @pixelpusher220@dmv.community says, Elon Musk is what Howard Hughes would have turned into if he hadn't been a recluse:

https://mamot.fr/@pixelpusher220@dmv.community/112457199729198644

The same goes for financiers during periods of loose credit. Loose Fed money created an "everything bubble" that saw the prices of every asset explode, from housing to stocks, from wine to baseball cards. When every bet pays off, you win the game by betting on everything:

https://en.wikipedia.org/wiki/Everything_bubble

That meant that the ZIRPocene was an era in which ever-stupider people were given ever-larger sums of money to gamble with. This was the golden age of the "finfluencer" – a Tiktok dolt with a surefire way for you to get rich by making reckless bets that endanger the livelihoods, homes and wellbeing of your neighbors.

Finfluencers are dolts, but they're also dangerous. Writing for The American Prospect, the always-amazing Maureen Tkacik describes how a small clutch of passive-income-brainworm gurus created a financial weapon of mass destruction, buying swathes of apartment buildings and then destroying them, ruining the lives of their tenants, and their investors:

https://prospect.org/infrastructure/housing/2024-05-22-hell-underwater-landlord/

Tcacik's main characters are Matt Picheny, Brent Ritchie and Koteswar “Jay” Gajavelli, who ran a scheme to flip apartment buildings, primarily in Houston, America's fastest growing metro, which also boasts some of America's weakest protections for tenants. These finance bros worked through Gajavelli's company Applesway Investment Group, which levered up his investors' money with massive loans from Arbor Realty Trust, who also originated loans to many other speculators and flippers.

For investors, the scheme was a classic heads-I-win/tails-you-lose: Gajavelli paid himself a percentage of the price of every building he bought, a percentage of monthly rental income, and a percentage of the resale price. This is typical of the "syndicating" sector, which raised $111 billion on this basis:

https://www.wsj.com/articles/a-housing-bust-comes-for-thousands-of-small-time-investors-3934beb3

Gajavelli and co bought up whole swathes of Houston and other cities, apartment blocks both modest and luxurious, including buildings that had already been looted by previous speculators. As interest rates crept up and the payments for the adjustable-rate loans supporting these investments exploded, Gajavell's Applesway and its subsidiary LLCs started to stiff their suppliers. Garbage collection dwindled, then ceased. Water outages became common – first weekly, then daily. Community rooms and pools shuttered. Lawns grew to waist-high gardens of weeds, fouled with mounds of fossil dogshit. Crime ran rampant, including murders. Buildings filled with rats and bedbugs. Ceilings caved in. Toilets backed up. Hallways filled with raw sewage:

https://pluralistic.net/timberridge

Meanwhile, the value of these buildings was plummeting, and not just because of their terrible condition – the whole market was cooling off, in part thanks to those same interest-rate hikes. Because the loans were daisy-chained, problems with a single building threatened every building in the portfolio – and there were problems with a lot more than one building.

This ruination wasn't limited to Gajavelli's holdings. Arbor lent to multiple finfluencer grifters, providing the leverage for every Tiktok dolt to ruin a neighborhood of their choosing. Arbor's founder, the "flamboyant" Ivan Kaufman, is associated with a long list of bizarre pop-culture and financial freak incidents. These have somehow eclipsed his scandals, involving – you guessed it – buying up apartment buildings and turning them into dangerous slums. Two of his buildings in Hyattsville, MD accumulated 2,162 violations in less than three years.

Arbor graduated from owning slums to creating them, lending out money to grifters via a "crowdfunding" platform that rooked retail investors into the scam, taking advantage of Obama-era deregulation of "qualified investor" restrictions to sucker unsophisticated savers into handing over money that was funneled to dolts like Gajavelli. Arbor ran the loosest book in town, originating mortgages that wouldn't pass the (relatively lax) criteria of Fannie Mae and Freddie Mac. This created an ever-enlarging pool of apartments run by dolts, without the benefit of federal insurance. As one short-seller's report on Arbor put it, they were the origin of an epidemic of "Slumlord Millionaires":

https://viceroyresearch.org/wp-content/uploads/2023/11/Arbor-Slumlord-Millionaires-Jan-8-2023.pdf

The private equity grift is hard to understand from the outside, because it appears that a bunch of sober-sided, responsible institutions lose out big when PE firms default on their loans. But the story of the Slumlord Millionaires shows how such a scam could be durable over such long timescales: remember that the "syndicating" sector pays itself giant amounts of money whether it wins or loses. The consider that they finance this with investor capital from "crowdfunding" platforms that rope in naive investors. The owners of these crowdfunding platforms are conduits for the money to make the loans to make the bets – but it's not their money. Quite the contrary: they get a fee on every loan they originate, and a share of the interest payments, but they're not on the hook for loans that default. Heads they win, tails we lose.

In other words, these crooks are intermediaries – they're platforms. When you're on the customer side of the platform, it's easy to think that your misery benefits the sellers on the platform's other side. For example, it's easy to believe that as your Facebook feed becomes enshittified with ads, that advertisers are the beneficiaries of this enshittification.

But the reason you're seeing so many ads in your feed is that Facebook is also ripping off advertisers: charging them more, spending less to police ad-fraud, being sloppier with ad-targeting. If you're not paying for the product, you're the product. But if you are paying for the product? You're still the product:

https://pluralistic.net/2021/01/04/how-to-truth/#adfraud

In the same way: the private equity slumlord who raises your rent, loads up on junk fees, and lets your building disintegrate into a crime-riddled, sewage-tainted, rat-infested literal pile of garbage is absolutely fucking you over. But they're also fucking over their investors. They didn't buy the building with their own money, so they're not on the hook when it's condemned or when there's a forced sale. They got a share of the initial sale price, they get a percentage of your rental payments, so any upside they miss out on from a successful sale is just a little extra they're not getting. If they squeeze you hard enough, they can probably make up the difference.

The fact that this criminal playbook has wormed its way into every corner of the housing market makes it especially urgent and visible. Housing – shelter – is a human right, and no person can thrive without a stable home. The conversion of housing, from human right to speculative asset, has been a catastrophe:

https://pluralistic.net/2021/06/06/the-rents-too-damned-high/

Of course, that's not the only "asset class" that has been enshittified by private equity looters. They love any kind of business that you must patronize. Capitalists hate capitalism, so they love a captive audience, which is why PE took over your local nursing home and murdered your gran:

https://pluralistic.net/2021/02/23/acceptable-losses/#disposable-olds

Homes are the last asset of the middle class, and the grifter class know it, so they're coming for your house. Willie Sutton robbed banks because "that's where the money is" and We Buy Ugly Houses defrauds your parents out of their family home because that's where their money is:

https://pluralistic.net/2023/05/11/ugly-houses-ugly-truth/#homevestor

The plague of housing speculation isn't a US-only phenomenon. We have allies in Spain who are fighting our Wall Street landlords:

https://pluralistic.net/2021/11/24/no-puedo-pagar-no-pagara/#fuckin-aardvarks

Also in Berlin:

https://pluralistic.net/2021/08/16/die-miete-ist-zu-hoch/#assets-v-human-rights

The fight for decent housing is the fight for a decent world. That's why unions have joined the fight for better, de-financialized housing. When a union member spends two hours commuting every day from a black-mold-filled apartment that costs 50% of their paycheck, they suffer just as surely as if their boss cut their wage:

https://pluralistic.net/2023/12/13/i-want-a-roof-over-my-head/#and-bread-on-the-table

The solutions to our housing crises aren't all that complicated – they just run counter to the interests of speculators and the ruling class. Rent control, which neoliberal economists have long dismissed as an impossible, inevitable disaster, actually works very well:

https://pluralistic.net/2023/05/16/mortgages-are-rent-control/#housing-is-a-human-right-not-an-asset

As does public housing:

https://jacobin.com/2023/10/red-vienna-public-affordable-housing-homelessness-matthew-yglesias

There are ways to have a decent home and a decent life without being burdened with debt, and without being a pawn in someone else's highly leveraged casino bet.

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/2024/05/22/koteswar-jay-gajavelli/#if-you-ever-go-to-houston

Image: Boy G/Google Maps (modified) https://pluralistic.net/timberridge

[traumacatholic]

I would really appreciate some prayers. I've been having so much money problems recently and I'm just not sure what to do. Every month I end up either in the negative or close to the negative. And it doesn't help that each month I have ended up having to make some big spendings because something essential has broken which needed replaced or whatever else. I can't currently get any help to cover my rent, because I'm still couchsurfing. The landlord of the place that I'm couchsurfing at isn't happy with my finances, and may refuse to add me to the tenancy, which would mean I would have to leave here. I don't even know why the landlord has an issue, because the rent has been getting paid on time without any difficulties. If I were to get added to the tenancy, I could finally ask for extra benefits to help me with the rent which would give me more money for living. But right now rent takes away from most of my benefits. I've been trying to cut spending where I can, but it's so stressful and miserable and overwhelming. I hate that I'm still in the same position I was in, where I'm just couchsurfing and trying to catch a break. I'm not currently in a position where I can save any money at all. And there's still the possibility that I'll be in a worse place housing wise if I'm not allowed to stay here. The fact that this has dragged out for so many months, and I'm still in the position of losing so much has me constantly depressed and suicidal. I just don't know what to do. Everywhere I have reached out to has been unable to assist me

[mswyrr]

the Sept scene was fully in character for Rhaenyra & Alicent

I've seen fans--even Rhaenicent fans!--saying it was ooc or "fanfic." It wasn't. The original scene was much shorter: Emma and Olivia, two very talented actors who know their characters well, expanded it. They weren't just wasting time or suddenly lacking in talent and insight. They knew what they were doing and it connects all the way back.

So let's go all the way back! Where do we begin? Episode 1x01, King Viserys wants a son and male heir; he has wanted a son for so long that Rhaenyra, his 14-year-old daughter says (ep 1x01) "For as long as I can recall, it’s all he’s wanted." What has this done to her? Well, for one thing, it has made her mother, who has difficult pregnancies, in ill health for most of her life. This ill health means that Aemma did a lot of lecturing (and trying to keep Rhaenyra from flying and doing other risky things while she was sick) and not a lot of getting to spend quality time with her daughter. A distracted father, ruling the realm, and a mother sick with trying to give him the male heir he prioritizes above his wife and daughter.

Who has been there for Rhaenyra? Alicent. Alicent was hers. When Rhaenyra flies on her dragon, experiencing freedom from all her worries and power and joy, she wants ALICENT to be there with her, high above the sea, looking out over the city:

[source: 1x01 script]

When Rhaenyra had to have a difficult conversation with her mother, it was Alicent she looked to for comfort and emotional support -- in an act a cut scene from the script *explicitly calls "flirting"*. Rhaenyra relies on and longs for that "disarming kindness" she says Alicent has.

And it was Alicent's lap that Rhaenyra flirts about loving to lie upon. Alicent is so much to Rhaenyra that she dreams of running away together, just the two of them and Rhaenyra's bonded dragon Syrax.

Alicent was her cherished girl, her comfort and her chief supporter and advisor. She was Rhaenyra's heart's rest. And, yes - it was a friendship blossoming into flirtation and desire as the two matured. They were on the cusp of something. They were the world to each other.

[source]

Emma and Olivia get it and have always gotten it. Rhaenyra has this gorgeous yang or solar energy that finds balance with Alicent's yin or lunar energy. They're a sun and moon couple, balancing each other's strengths and weaknesses. With Alicent, the sword of Rhaenyra's intense energy has a sheath. A resting place. Her fire has a hearth. And Alicent isn't drained by people (like Viserys would later do...) who just take and take and take -- hurting her and draining that "disarming kindness" of hers until she's broken and ruined inside. Rhaenyra gives and cherishes in a way that made Alicent feel whole and appreciated.

Rhaenyra goes from being angry (angry the way a jilted lover would be - calling Alicent a "whore" for what she felt emotionally imo as Alicent cheating on Rhaenyra with her father) to instantly deeply protective and possessive once she learns more. See the cut scene after Viserys reveals his engagement to Alicent:

[script pages source] [photo source]

Rhaenyra is ready to take on the whole Seven Kingdoms to protect her girl!

Rhaenyra liked being the focus of Alicent playing the "lady beloved" role - reading soothingly to her, supporting and encouraging and admiring her, teasing her for being naughty, advising her about her political situation. She found rest and comfort there - and then Viserys took her mother, cutting her open to get his precious son out. And then, in his remorse and grief, he took comfort in Rhaenyra's girl (who was forced to give him that precious kindness of hers by her father) and her father *stole her girl too*. Not only did he steal her girl, he put her own status as heir into question by having a firstborn son with her - after wounding Rhaenyra deeply by chasing a son as far back as she could remember!

All the "she should be over it" stuff about Alicent... if Rhaenyra were a male character people would recognize the wound of having his crush stolen out from under him by his old man at the same time his old man refuses to fully back his status as heir - it's archetypal! It's gd Greek. Your old man trying to keep you from the girl you want, from your desires and destiny as an adult.

Rhaenyra makes total sense in the Sept scene - she has the primal wound of a girl who is an HEIR - who wanted to have things and act and possess and stand tall and be the lover to a girl's beloved in a way only boys are allowed in this society... and whose father took her girl away from her as well as making her feel uncertain of her status in a deeply wounding way. Rhaenyra correctly locates, emotionally, her rupture from Alicent as where it all went wrong. The Sept scene is about all of that emotionally and it makes total sense. It is also about Rhaenyra's sheer desperation and comprehension of the horror coming... and the most heartbreaking longing to return to a time when Alicent's heart was her home.

Alicent's heart was Rhaenyra's home. And her father stole the girl she loved. He took her and savaged and used and broke her and made her give birth to children she didn't want (at least not with him) from decades of sex she did. not. want. because even men who think they're nice in this society are allowed that - to cut a wife open for a son, to use a girl young enough to be his daughter. He vacillated between wounding and affirming Rhaenyra, never fully able to honor her as his heir because she was not a boy. And he couldn't even conceive of her feelings for Alicent because this is a deeply homophobic society - but he was also, even seeing it in a platonic light, selfish and inconsiderate of her feelings for her best friend.

He kept putting his feelings and needs first, over his wife, over his daughter, over her best friend.

I don't care if nobody else gets it - the way Emma plays it? They get it. They're an extremely talented actor who wasn't going "ooc" in the Sept - they were playing *that*. My father inflicted these primal wounds on me because my coming of age was more like a boy's--like things that should be allowed girls but are denied them-- and he thwarted me and yet I love him. And I love Alicent and I long for her heart, though it's full of poison and broken things now. Why does it all have to be like this? Why does it have to hurt so much?

The Sept scene is entirely in character for both of them. It is not "fanfic." It is not OOC. It is the broken heart of this tragedy bleeding before our eyes.

[visit-ba-sing-se]

okay but we all do agree that "there is no ethical consumtion under capitalism" means "capitalism as a system is built around and depends on the corporate exploitation of labour and ressources, which inevitably both harms workers and the environment. Since every purchase you make at least upholds said harmful system, you can’t consume without causing harm yourself" and not "everything is bad so I might as well go make the worst possible choices on purpose", right? right?!

[fantasykiri5]

It started as a qpr Fabriz thought but y’know what it extends to the rest of the bad kids: I think it would be really funny if they had a complex web of platonic marriages just to reap the financial and governmental benefits. Like “if one got seriously stuck in a hospital the others would be able to visit because they’d be considered spouse and/or legal family” style, y’know? In a “benefits on tax returns and few(er) questions if Fabian (or the cig figs if they make more money?) decides to share a larger amount of money with the others because they’re considered extended family” way, and a “easy to put on emergency contact forms” way. Half their parents are already dating each other, it wouldn’t even need to be a very large friend-marriage-web! Idk man I just think it would be funny