#Free Pan Card Services

[justforpay12]

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[justforpayapi]

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[redflagshipwriter]

Reassembly 5

Masterpost

(What the frick is the bat guy about???)

They did serious damage to Lexy’s credit card in the form of a cast iron pan, a pot, basic cooking utensils and a four-person set of dishware before they even made it to the grocery store.

Peter tried not to go nuts there. He really did. But Kon had that empty kitchen! And to be honest, shopping was major wish fulfillment. Even though he knew he wouldn’t be eating all of the food he got way into it. They stocked up on easy freezer food like pizza rolls and fries. They got pasta mixes and jarred sauces and they got snacks and sweets. He even got Kon baking basics. It might take Kon a while to get into his fresh bread era, but it was going to happen. Peter was calling it now. Kon was just that kind of guy.

The last thing he got was meat. Meat and cheese and fresh vegetables. Peter ended up putting back half of what he initially put in the cart because, honestly, Kon didn’t have a massive super appetite and he didn’t know how to cook yet. Vegetables were just going to go bad, so he only got what he planned to use that night. He also stocked Kon up on breakfast supplies- bread and jam, eggs, sausage, coffee and tea and juice.

‘I wish I was staying with Kon to eat this. I’m going to be hungry again tomorrow.’

Peter pushed down that greedy little thought where it belonged. He was going to be eating lunch and dinner with Kon tonight, since they were cooking together. That was already really generous on Kon’s part. He couldn’t ask for more.

The boys ended up making spaghetti. Peter wasn’t the best cook in the world, but he could cut onion and garlic to cook meat in, shred in carrots and zucchini, and add a jar of red sauce to make something nutritionally dense that tasted really good. Kon hovered over his shoulder watching this process and making faux sports commentary. 

“Go away!” Peter shoved Kon with his shoulder, laughing. “Go start the garlic bread.”

“...Garlic bread?” Kon asked hopefully. He seemed way younger than he was sometimes. “You can make that at home?”

“You can, if you get to cutting garlic really small.” Peter tossed him a bulb without looking.

They ate dinner while watching some drama that Kon picked out on a streaming service. “Holy shit,” Kon said quietly after his first bite. He put down the plate and took a photo.

Peter snorted. Kon must have sent it to someone because his phone went off constantly after that.

He wasn’t even done eating their late lunch when he first wondered where he was going to sleep tonight. Peter stared down into his pasta like it might have some answers. When should he leave? What would he say if Kon asked for his phone number? He didn’t have one. He couldn’t give Kon the number to the phone he had on him– he was pretty sure that he really should get rid of it in case someone was tracking him. 

He should ask first. If he directed the conversation it would be easier to be normal than if he was just answering questions. So Peter swallowed hard, made himself smile, and said, “This was fun. Wanna hang out again?”

Kon noisily slurped down some sauce and wiggled in place while he chewed and swallowed. “Yeah, we should!” he agreed. “You uh, free later this week?”

He was jobless and homeless with no other acquaintances. 

“I have some time,” Peter said casually. “I’m kinda busy tomorrow, but the day after? Should I come over in the afternoon?”

“Yeah!” Kon bounced up off his seat for a moment. “We can finish the projects. Or work on them, at least.” He screwed his face up with a thought. “Can I get your handle or number, in case my work pops up?”

Peter’s smile turned fixed. “Actually, not now,” he said as casually as he could manage. “I dropped my phone in water. I just have my Dad’s old phone right now for emergencies.” He didn’t need to add that lie, but what if he needed to pull out the flip phone later? He didn’t want Kon to think that he just hadn’t wanted to give his number.

Kon laughed. “That sucks, man,” he empathized. 

Oh thank Thor, he bought it. 

The fabric was dry by then, so Peter helped Kon cut it out and sew it into place. Kon modeled his new look in the living room and then took approximately two hundred selfies while Peter worked on his project. Kon eventually flopped down on the sofa upside down and started sketching out design ideas. Peter glanced over and saw what looked like a boob window cut into some kind of top.

…Kon would look great in it. Peter didn’t comment. He smiled a little more when he went back to cutting out pieces for his own jacket.

“Smile!”

Peter looked over on reflex and cheesed. A shutter went off. “Can I send that to my friends?” Kon asked, so casually that Peter knew it mattered a lot. “Cassie says no way did I meet someone without her.”

“Go ahead.” Peter gave a thumbs up for reasons even he did not understand. Good thing he wasn’t a weird little guy! 

Kon looked relieved. There was less tension when he went back to looking at his phone. “Thanks, man. You want to think about dinner soon? You’ve been working for a couple of hours.”

Peter had to blink a few times to process that. Oh yeah, he was pretty stiff. He stretched experimentally. “You’re right,” he said, mildly surprised. “Huh. What did you have in mind?”

Kon shrugged. “Pizza?”

Peter hummed. “We can pull that off,” he decided. “We have… two more jars of marinara, one will do. Cheese, the bell peppers- yeah, that’ll work.” He stood in a smooth movement. “Could you get the flour down from where we put it- yeah, thanks.” Kon hovered back down and handed him the bag.

“I meant that we should order it,” Kon said, but he didn’t protest. “You can make pizza? At home?” He was delighted by this new information.

“You can make basically anything at home,” Peter said, because it apparently needed to be said. “Can you look up a pizza dough recipe?” He got out the salt and tried to remember where he’d put yeast.

Pizza did not go quite as smoothly as the pasta had. Kon brutalized the dough by over mixing it and the gluten developed bonds strong enough to rival the Hulk. But it was still edible! Kon was openly delighted with what he had made. Peter stole sideways glances at him, wondering if he should reassure that it was a great first try.

‘..I’m not sure he knows that it’s really tough,’ Peter decided. He said nothing. They watched one episode of Kon’s selected drama before Peter decided it was time to go.

Kon seemed surprised when Peter said that. He blinked at him a few times. “It felt like I was at the tow- a sleepover,” he said self consciously. He forced a laugh. “Yeah. You wanna leave your stuff here?”

Peter looked around Kon’s surgically clean living room and wondered if Lexy’s cleaning staff would throw away his stuff. “Yeah, sure,” he said, because it wasn’t like he had a place to store a project. “I appreciate that.”

He left not much later, making his excuses and backing out into the night with dread that he didn’t want to face curling in his gut. The feeling intensified as he got down to the lobby of Kon’s apartment building.

It was dark out, even with the streetlights on. The air was cold against his face. Peter huddled into his jacket, hand wound tightly around the strap of the bag with everything he owned in it.

At least he knew the time. It was a little past 10 pm.

He needed a shower and to sleep. The gym should be empty now. He could break back in, shower, and then go sleep on the library couch again. Even if the librarian came in early again, he could get a few hours of sleep.

He woke up again to the sound of keys in the door downstairs. This time he woke up feeling much better rested. Peter wandered blearily until he found a clocktower and realized it was nearly 9 am. Nice. He was working on his sleep debt, then. He surely hadn’t spent more than an hour between traveling to the gym, showering, and getting to the couch last night. That was maybe 9.5, 10 hours of sleep?

He left to a new hotel for a breakfast buffet. This one was particularly sad. He had two pieces of peanut butter toast and a glass of milk before he heard the front door staff quietly phone someone else asking if they had any teenagers staying at the moment. He left pretty quickly after that and walked for a while, heart pounding. The police didn’t descend on him with sirens and lights, so he was probably okay.

‘I can’t go back there.’

Later that day, Peter grimaced and took a moment to indulge in burying his face in his hands. He was overwhelmed and he still felt shitty and dirty and gross despite his shower. Maybe it was getting spotted as a homeless teen eating from the buffet? Yeah. Probably that.

He was in the library again, sitting in front of one of the older computers and hoping he'd get a reply from a potential client who had asked for some information. 

Maybe it was a little weird to spend all day in the library. He was on notice for librarians acting like they wanted him to clear out, just in case.

But, assuming no one had any problems with it, why not spend most of his daylight hours there? He could study computer science, use the computers to do his work, and be somewhere temperature controlled for free. They also had pitchers of coffee and tea for free that he took advantage of. 

He was hungry, though. He was always hungry. Maybe it had been a mistake to go to Kon’s house. It almost felt worse to be hungry again after eating everything he wanted two meals in a row. Peter suppressed despair. He was doing his best! He was taking care of himself.

"Is everything alright?" 

Peter shot up and gave a sheepish grin to the librarian. He hadn't noticed her approaching, but he'd been lost in his head. "It's fine," he said. 

The older woman gave him a sympathetic smile. "Well, let me know if there's anything I can help with. It's what I'm here for." 

Oh. Before she could turn away he blurted out, "College!" 

Her face lit up. "Are you applying?" 

"I need to." Peter wrung his hands together. "But I don't know where to start. I want to go somewhere with a strong sciences program but I think I need to go there on scholarship." 

She sat down beside him, an easy smile on her face like this was a topic that she enjoyed. “Do you care about where it is?”

Peter shook his head. “It would be best if I could stay in NYC since I know here, but I’m willing to go anywhere that meets those conditions.”

She nodded slowly. “There’s a few places I can think of.” She hesitated. “Do you expect to be eligible for testing related scholarships?”

“Yeah,” said Peter, who was so good at tests but would probably falsify the results that he needed if he didn’t manage to take tests in time. “I test well. Very well.”

“That’s great! And you said sciences? Technological sciences?” she didn’t glance at his current computer science book, but she didn’t have to. 

“Yes,” he said, not entirely sure what he should be focusing on. Engineering, to build some kind of portal? Astrophysics like Dr. Foster, to find an Einstein-Rosen bridge? He’d have to get his foot in the door to figure out what was going on in the fields here. Shit, he should have looked into that already. 

“And you would be looking to live by yourself, on campus? Or off? With family?”

“By myself,” Peter said, and wow that was depressing. “And whichever way is cheapest.” He cringed as he said it. That felt pathetic too. He wanted to say he wanted to live on campus since he’d be more likely to meet people that way. But honestly, he had no resources, at all. He couldn’t afford to be picky. 

The librarian’s smile was a bit fixed now. “I… I almost hate to suggest it, but have you considered Gotham?” She continued before Peter had to decide whether or not he should admit he didn’t know that university. “It’s a dangerous city to live in, but it’s very affordable, and there’s extensive funding for the sciences and student support services.”

“...Because it’s a dangerous city and doesn’t get many people?” Peter confirmed.

She was doing her best to keep a poker face. “That’s right. They have a brain drain situation at the moment, so the sciences are really well funded. I think you could probably go there with full support, though that might be contingent on taking an internship or job in Gotham after graduation.”

Huh. He considered it. He’d never heard of Gotham, so it had to be a city that didn’t exist back home. But so what? How bad could it be? It was like, Chicago or something? He could handle that. He was Spiderman. He was an Avenger, sort of. So he directed a real smile at the librarian. “If I could get a full scholarship there, I would go in a heartbeat,” Peter said. “Thanks for the suggestion! I’ll look into the university there.”

The librarian patted the side of his chair as she stood up. “Wonderful! Let me know if you change your mind or have any questions!”

He ended up having a lot of questions, actually, once he started looking into Gotham, but he didn’t think, “What the frick is the vampire bat guy about?” was what she’d had in mind.

[astralelfart]

Howdy do party people! I'm Pan and I'm opening Ko-Fi commissions for:

Custom Danganronpa Sprites

General Art

Terms of Service:

I will be doing it by a 3 slot basis and will close them until all 3 are finished.

Payments will primarily be done through Ko-fi on a full-payment upfront basis but if you have any issues or questions about it, we can totally discuss and arrange alternatives.

I will provide updates to you throughout the process and you are more than welcome to make changes to the art. But any large changes can be made until all the way until the line art stage. That's when things are finalized

While visual references are encouraged, they are not at all required! But please be ready to be extensively questioned to make sure everything is right by you.

For all of my art, please note that any complex designs might increase the price.

Prices:

Danganronpa Sprites:

ALL Danganronpa sprites all come fully rendered

Half/Full Sprites can come with 3 free basic expressions

Bust: $25 USD

Half-Body: $40 USD > 3 Half-Body Sprites: $100 USD

Full Body: $75 USD

I also offer custom talent cards for your characters!

Static cards are $10 USD while animated ones are $20 USD

But please note that if you're wanting a talent card made with a sprite made by another artist, please come with a screenshot of approval from the artist or you will be denied.

General Character Portraits:

Bust:

Line art: $20 USD Full Render: $30 USD

Half-Body:

Line art: $40 USD Full Render: $50 USD

Full-Body:

Line art: $55 USD Full Render: $65 USD

All rules apply to Character art as well.

Simple backgrounds are free of charge but anything complex may be priced to my discretion.

Any additional characters are $7 USD OFF but there is a max of 2

[rockwgooglyeyes]

forgive me for sending you an ask like . . everyday at this point . . but i have a small idea to propose . .

since it seems that s39 is actually just having x4 it’s normal number of contestants to just switch it up for fun . . what if another way they did this was that they had 2 announcers instead of one on s40 ? ( being faisal and zhuli of course ! )

( i think they’d also be treated like having this counterpart type of dynamic by the public ? )

that’s all i have, but id like to hear your opinion on this ^^ !

( random other idea : one of lili’s ways of showing affection is gift giving, which actually comes from her often making a lot of things from art materials ( faisal rubbing his like of drawing / art on her ) in her free time, and giving them to faisal ! )

APRI I love having you in my inbox, it's always so lovely to talk with you, so there, no need for forgiveness!!

I was actually thinking the same thing (that is, that for season 40, Zhuli and Faisal would pair up as the announcers)! Last night I was thinking about it because Faisal's major arcana (tarot card) is the Devil and his aesthetic leans more hellish, and I was thinking, with Zhuli's amber/blue eye and her relatively demure appearance, that they could have an angel/devil dynamic? Like bad cop/good cop, if you will, with Zhuli being good cop and Faisal being bad cop.

It would just be funny to me but obviously we don't have to do that lmao

Faisal would definitely cherish the gifts that she gives him (there is a chest in his room filled with his "precious things" and it's mostly gifts from Lili. Murrelet is not allowed in there.) He's more of an acts of service person insofar as he tends to do things for the people he loves. Basically, he would do anything that Zhuli wanted him to, no questions asked. (I said before that he was pan but I honestly think he's gay . . . he loves Zhuli to bits but it is not romantic at all)

[saganssorcery]

hey hows you? im J.I is there anything I might need to be wary of as to why things have panned out this way? what might my spirit guides want to tell me that I dont know of? there is nothing else I can do to makeup for the time that I missed due to unhelpful situations in the past. thank you in advance <3

Hello! I asked Tarot: “What do your spirit guides want to tell you that you don't know of in regards to your question?” You have drawn the Daughter of Wands and the Mother of Wands. It looks as if two dominant females are being brought to your attention. Whoever these people represent have likely had a large impact on whatever you've been through and your spirit guides are likely warning you to be wary of them. I'm going to break down the personalities of these two individuals so that you might be able to identify them: 

The mother is a very strong but protective woman, while usually warm and sweet, you absolutely do not want to mess with her unless you want to get your head ripped off. She has a fiery temperament, creative and impulsive, but will not stand for anyone attempting to one up her, she will turn domineering to keep herself on top. 

The daughter is a free spirit and visionary, though unassuming she can be incredibly stubborn and would make your life a living hell if you stepped a foot wrong with them. She is likely to pull a tantrum if things don't go her way. While she is creative and fun she is also rather immature. 

This might not be representing two individual people but one person with both characteristics, whoever they are they are likely a dominant fire sign, so think Aries, Leo or Sagittarius. If this is representing one person with two cards it's likely that when they are acting mature they will be domineering but when they are not in charge they will be immature. It could be a warning about a friend or a relative. Due to it being a Mother and Daughter it could be representing your mother or a sister or maybe even you. 

If it is representing you in this situation and not another person I would say be careful by how you go about achieving what you want, you don't want to push people into uncomfortable situations by being domineering or immature. 

[ Tip jar ] ✨🙏✨

For an expanded reading please check out the [ full list of my services ] and DM me for any information you may need to get your reading underway 💙☄️

[just-horrible-things]

‘Verse: Box Boy Universe Story: A Girl Called Spider Timeline: Spider has been free for a few years

Spice [ First | Prev | Next ]

Sam’s kitchen is always well stocked. The cupboards are full of rice and beans, lentils and pasta, dozens of spreads and sauces, flour and dried fruit and nuts, canned soups and tomatoes and more beans. 

The fridge is organised – pickles and jars at the top, then tofus and tubs like margarine and his homemade mushroom pâté. Tupperwares in the middle for easy access. Apples and potatoes and squash below that, then salad and delicate veg in the box at the bottom.

Most exciting of all, on the countertop sits a spice rack, overflowing with little glass jars full of herbs and spices in every possible shade of green and brown and autumnal orange. It spins and folds out to reveal yet more spices, which he calls a silly indulgence as he shows it off to Spider with a slightly embarrassed grin.

She sits on one of his slightly-alarmingly-unsteady kitchen chairs with her knees tucked up to her chest and her arms loosely looped around them – well aware that like this she looks innocently casual but her short shorts show off scandalous amounts of thigh and perhaps even a hint of panties – and watches with fascination as he hums over a soup pan, adding this spice and that according to some unwritten schema that she can only begin to guess at.

He only tastes it once, right at the end, to make sure it’s good before he serves it.

And it’s good, possibly the best thing Spider has ever tasted – or at least, that she remembers ever tasting.

“Why did you take me out to those expensive places,” she jokes, “when you make better food at home?”

Sam blushes. It’s cute. 

She’s never met anyone as harmless as Sam. She’s never felt safe in someone else’s space any of the times she’s let them take her home. But even here in his kitchen in his flat she can’t be afraid of Sam. The man shoos flies out of windows rather than let them dry up in the indoor air.

A week later he has her at the stove beside him, picking out herbs for a pasta bake. He flips each lid back and holds the jars out, and Spider takes deep sniffs of each, giggling at the indelicacy of it. 

She likes tarragon, and lemongrass. Sam puts both in in generous helpings, then picks out half a dozen others to “complement” them. 

When Spider asks how he decides he says “you just sniff them and imagine what would go well together.” “You didn’t sniff anything just now,” she points out. “I’ve been cooking since I was a little kid. Eventually I guess you just know what works.” “Well, I think you’re very talented.”

Later, weeks later, she stands in his kitchen on her own and contemplates the spice rack.

It’s still crazy to her that he doesn’t mind her just exploring his flat, unsupervised. She could take half the things he owns and she isn’t sure if he’d notice, let alone blame her.

And she has thought about it. Sam’s not rich, but he’s better off than most of the people Spider spends time with. Certainly better off than Spider, who on an average week has approximately nothing to her name. 

If she took his electronics, and the watch his dad gave him that he doesn’t usually wear because it’s “too fancy” for him, and maybe the nicest clothes out of his closet, Walker would take them off her hands for enough to keep Spider going for months. 

And that’s not counting the cash under Sam’s mattress, or however much she might be able to get off his card before he cancelled…

But if she did that, she’d lose a safe place to sleep. She’d lose access to the best food in town, and Sam’s service as a chauffeur, and all the other gifts and favours she gets in exchange for her charming company and her skills between the sheets.

Sam’s a good thing in her life. She’s not ready to cut and run.

She picks up a spice jar at random, flicks the lid back, and smells it. Cumin. It smells a little like Indian food.

A herb. Coriander. Sam cooks with this often. He put it in the pasta bake with the tarragon and the lemongrass.

Another herb. Bright orange turmeric. Indian again. The first time she had Indian food with Avon it brought up aberrant memories, but she couldn’t catch them before they slipped away. He decided that Indian food was her favourite because she begged to get it again and again hoping to set off the same memories, but it never worked.

Lemongrass, the one she liked. It really is quite a lot like lemon. She distracts herself for a minute searching the kitchen to see if Sam has any real lemons so that she can compare the two, but she can’t find any.

Dill. She’s ambivalent. It’s not as strong a smell as some of the others, but she isn’t sure if that’s the nature of the herb or just because there’s less left in the jar.

Cardamom is not a powder, but a whole load of little greenish pods. Spider inhales the scent, and the headache hits her like a truck.

She knows better than to double over with it. But she’s glad Sam’s asleep because she can’t fully hide it. Her face twitches against her will, her breath catches, and her mouth opens a little with the last vestiges of the primitive instinct to make noise about it. They didn’t quite train that out of her. She is still an animal, under everything else.

She sinks to the tiles and takes deep breaths, trying to force all the little muscles of her face and scalp to relax. She imagines Handler Rayce’s warm, rough hands smoothing the pain away from her temples, his voice telling her to be a good girl and let it go.

She doesn’t let it go. She closes her eyes against the pain, and takes another deep sniff of the cardamom. 

It smells like… chai. Like warmth, like tea in the morning. A dozen memories float just out of reach, like words on the tip of the tongue. She wants chai suddenly, wants it so badly it aches in her chest. She wants someone to make it for her and put it into her hands and she almost, almost knows who that someone should be but – but she doesn’t. She doesn’t know.

She sits there on the floor, huddled against the cabinets with the cardamom under her nose and breathes the headache in like a drug. Time doesn’t pass, like it never used to pass in training when the pain was so bad there was only one moment and that moment was hell.

Her skin is cold with sweat and prickly all over. Cold like the white rooms. The bright white light finds her even behind her eyelids, but she pushes it away. She wants to remember hot tea and the smell of spices and – and something about mornings –

She’s not sure if the headache eventually starts to ebb, or if she just adjusts to it. She used to be used to pain. 

She doesn’t remember what the clock read when she sat down on the cold tiles, but she knows time has passed because her nose has adjusted to the cardamom and she barely smells it any more.

She wants chai.

She can’t hold onto anything else from the aberrant memories, but she knows she wants chai.

Moving slowly so as not to jolt her throbbing head, she gets up. She puts the kettle on. 

Cardamom goes into the pot. She rips tea bags open for their leaves. Cardamom and ginger, and… cinnamon, and a little nutmeg, and… cloves, and star anise, and black pepper. He has no malai or condensed milk or even regular milk, but maybe almond milk will be okay. Better than just water.

There’s a tune somewhere in the back of her head as she stirs, but she can’t remember enough of it to hum it. Just a vague sense of the mood of it, and the stabbing, throbbing pain behind her eyes.

“Casey?” Sam is bleary-eyed in the doorway, still wearing his stupid striped pajamas. “I’m making chai,” Spider says, extra careful to keep her tone light and airy. “It’s 4AM,” says Sam. “So?”

He pulls up a chair.

“... Is there enough for me?” Spider looks down at the pan. She’s made enough for… several people, actually. “Yes,” she says. “Mm. That’s nice.”

He’s quiet while she turns off the gas and ladles the tea into mugs. But she moves too fast and makes herself wince, and Sam notices despite seeming barely aware of anything else around him.

“Are you okay, babe?” “Just a headache.” Her heart pounds, but it doesn’t mean anything. Normal people get headaches too.

Sam stands up, and he’s clumsy and his chair makes an alarming cracking creak. Both wince. “Have you taken anything for it?” he asks. “Hm?” “Painkillers.” “No.” Sweat prickles across the back of her neck. Should she have? Would that be the normal thing to do? But Sam just nods. “I don’t know why it’s so hard to remember painkillers when you have a headache,” he says. “I’ll get you some.”

By the time he gets back with the white tablets, Spider has the mugs on the table. Her hands wrap around hers, soaking up the heat to drive back the chill of the memories from training.

“Here you go.”

From anyone else, she’d think twice about swallowing mystery tablets. From Sam, they’re definitely what he says they are. He’s far too straight-laced for anything else.

“Mmm!” he exclaims as he takes his first sip. “This is really good.” He’s definitely had chai before. He’s playing it up for her sake, but that’s kinda cute too. “Chai masala,” she says. “Just like my mum used to make. Except the almond milk. We didn’t use almond milk.” “It’s delicious.”

Just like my mum used to make. 

Those words will haunt her for months. Did she make that up, like she makes up everything else about her past? Or did she remember it, before the memories slipped away? 

She doesn’t know. There’s no way to know.

[Next]

[9800sblog]

ATEEZ tarot reading - 2026 contractual renovation plans

-> Korean talent agencies can only legally sign their artists for 7 years straight, then they must come into consensus again about the contracts. ATEEZ started promoting as a musical group in 2018, hitting their 7 years mark in 2025, 2 years from now (30/05/2023 GMT-3). I am curious what do the members and their company have in plans for them, so I asked tarot and this is what the cards showed me and how I interpreted it.

-> reminder that these are my choice of words for the messages they gave me through energy reading, all these answers can change at any minute and/or be completely wrong + I am exclusively talking about the year of 2026 in this reading.

-> "do I have the collective agreement to do this reading and post it online?" I got the 6 of pentacles for that question and I asked for each member too.

-> KQ Ent. (their agency)

they're definitely planning on keeping the contracts, they might reveal many things like the storyline, things like that. no matter if ateez stays or goes, they wanna keep a relationship with those men, be it the people still interacting and keeping their bonds or the company keeping the group somewhat alive even if it ends or reshapes in 2026. it doesn't matter what, they're not gonna keep doing the same things as before, it will be a new beginning, i don't think they're gonna squeeze that group/concept til it's last drop. they might keep like the heart of the group alive, but I got the opposite of peter pan so they're definitely killing the pirate concept no matter what. I think the plan is for KQ to kind of give up creative control in 2026, like ateez has proved themselves, they worked hard for the careers they'll have in that time and it's now time to just let them be, I think the artists themselves would be more involved in the shaping of their own careers and if they wanna continue as a group it would be more about the music they wanna make with the concept they want. it's like they plan on admiring the gems they created >U< yeah I think the plan is to end the storyline in 2025 and then support the members as much as they need and want.

-> Park Seonghwa

there is again that thing about revealing, he wants to hide nothing, he seems really excited about it. I don't think he wants to stay in KQ after 2025 and it seems that his plans for 2026 is military service, I think he sees it as like vacation or something, but he is NOT into the bald look, he is dreading that part. he thinks that he will be free after ATEEZ expires, because he is no longer the little boy he was when he started this journey, he is a very grown and experienced adult and he really looks forward to having the ability to be independent. he doesn't wanna keep doing the same things he does in the group, he plans on challenging himself and just being himself from that point moving forward. it seems he is afraid of the future because he has never not been dependant of this company and these same people, he is afraid of flying solo but he doesn't wanna stay in KQ, i think he wants to take the time in military service to explore or expand his options and that's why he sees it as vacation, not because he thinks there's nothing to do there, but he thinks it will be a time of refreshment away from fame.

-> Kim Hongjoong

hongjoong is also very excited about this new journey, he is also excited to be independent, I think he is looking forward to moving out and having his own place to live. his plan is to spend a lot of time with his favorite people, i think he wants to go to his parents' house and spend quality time with family and maybe childhood friends. he doesn't wanna do much, he doesn't wanna be the boss of nobody, he wants nobody to be his boss, he wants to feel on the same level as all people around him. I think he wants to mourn for a while, the end of such important project and people in his life, it's difficult for him to imagine a life without these, but it won't be a dramatic ending for him, he is preparing and he's not gonna let anyone speak for him, he will create his own destiny. hongjoong plans on staying in the company; if the group rebrands, he wants to stay; if the group ends, he wants to stay in the company as a guide, producer and/or solo artist. he is a little unsure about the ATEEZ part because it depends so much on so many other people, not just himself, but he would love to keep these good vibes going.

-> Jeong Yunho

yunho did not fit well in KQ and doesn't wanna stay any longer than necessary, I see him taking his friends with him for life but leaving the ATEEZ project behind. I can see him going back to another company he trained at when he was a kid, music will definitely continue to have a huge impact on him, I think mostly through dancing tho. he thinks that after ATEEZ ends he will have some type of revenge by being independent from the company, he plans on doing some soul searching traveling, he wants to connect with himself and enjoy the fruits of his labor. there is really a lot about personal power here, he plans on letting nobody tell him what to do, he is the owner of his own life. it seems he wants to enjoy time in nature, he might go away for a bit where there are no cameras, like a countryside or a beach, I think he wants to tan his skin after that, he thinks he will literally come out of the dead after the contract expires which reminds me a lot of tanning too, because his skin is unnaturally pale now, like a ghost.

when you least expect it this man is gonna show up in your dreams

-> Kang Yeosang

you know what message I got, intuitively? the 2017 movie Get Out but it's Yeosang and xikers (don't take this too seriously, it's an easy anology that my brain made because i fucking love that movie and i am a huge fucking fan of Jordan Peele).

I also got this message:

so far, yeosang has gotten the craziest messages, I think he wants to live the exact opposite of what we see in ATEEZ - he's a pretty uptight, quiet and serious guy in front of cameras. anyone that has seen yeosang's pre debut pictures thinks he is far from being socially conventional tho. and don't forget he's a fucking gemini! I'm swearing a lot more than I usually do in tarot readings and I think that's an important message too. basically, yeosang wants to go absolute batshit crazy, ok? long story short, he does not wanna stay in ATEEZ, he does not wanna stay in KQ, it's like being himself brings him trouble in this environment and he's waiting to not have the legal obligation of depending on people that don't care about him, he's like a teenager waiting to become a legal adult. looks like he wants to party a lot, go to clubs and listen to those human thoughts he doesn't have space to listen right now, like he wants to fucking cuss without having to worry about someone hearing and drink until he can't stand anymore, that's what I'm seeing, he wants to make a big mess, throw everything in the air, he wants to feel like a regular person that can make mistakes and look ugly and not be seen as a role model. he has a special person in mind who has a more female energy (yin/moon), this person looks very fondly at him, like he's a little kid and he feels safe and nurtured with them; he plans on being with them in that year, spending lots of time together, and I think this is talking about his mom, he really misses this person a lot, they are his strength.

just to be clear, I wouldn't say yeosang thinks the members of ateez or the workers of kq hate him, but he think his work and legal obligations to it are oppressive to him. unfortunately, that's the experience of majority of people that work a job.

I also got this song as a message and so many other club songs, I really thinks he wants to party a lot!

-> Choi San

san almost refused to add anything to the post, he wants to feel respected and in power of his narrative.

I don't think he plans to continue ATEEZ after it's due date, but he would definitely stay in KQ, as long as they work well in collaboration with him, I think he would be a solo artist, there is a lot about someone shining with the help of others in the background; I see him doing more soul or r&b inspired songs. I think he likes the opportunities that the company provides and he thinks they have made him so much stronger than he was when he came in, he is really thankful. his plan is to renew the contract but make it a different journey. I see he doesn't want to start a new project straight away, he wants to take a break, work on his relationships, spend time away with those he holds the closest to his heart, he also might go back to his hometown, like the house his grandparents' used to live, I see a lot of family in here, very clearly: father, mother, sister and san. that's it! he seems really private :)

-> Song Mingi

mingi looks forward to explore other options, he doesn't wanna keep the contract, but he loves his people so much, he wants to keep the group alive in each other's lives. everyone! staff, members, everyone! they have built this from nothing, so there is a lot of emotional attachments on his side. he doesn't feel empowered in ATEEZ tho, his obligations may keep him from doing many things, so he wants to know what else he can do as a career move and also socially, he wants there to not be hierarchies and competitions between him and his friends. he wants to have full control of himself, his passions, hobbies and his words. I feel like when 2026 hits, mingi will disappear from KQ, like they will never hear from him again. apparently the plan is: spend some time with his family and friends, then go do the military service asap. he doesn't wanna do much, he wants to ground himself, take care of his spirit, nurture himself and his body, maybe sleep a lot, I see him spending a lot of time at home, living his life to his own rules for a while, laying in bed thinking "what to do now?", then going for government service. he plans on spending a lot of time in his head, just daydreaming, imagining all the outcomes, in order to make a good decision; listening to chill music, watching TV, doing his nice little hobbies, letting his hair grow, creating art without any pressure - that's exactly what he plans, letting all the pressure of years go away. he wants to get closer to his faith too (mingi is a Buddhist). I really think mingi wants to get away from the public for a while, there is something about running away from fanatic behaviors, he wants to be out of that environment, he does not wanna be celebrated for superficial things, does not wanna hear screams, it seems he really feels overwhelmed with fame and he can't wait to escape it, he does have a lot of love for his job and his people, but he is living in a way that is unnatural to him because of cameras and demands. he wants to feel real emotions and connections, not being contractually obligated to be fake, but he can't yet (his message, my choice of words). there is also a message of mingi planning on maintaining the door open for a relationship; it doesn't look like he has that special person yet, but he is very hopeful of fated romance, so he tries to plan in a flexible way, he doesn't want to accidentally close himself for important changes in his life. so his plan is literally to just chill alone, but still have a social life (not casual sex, literally a social life), he seems like a very balanced person.

-> Jung Wooyoung

I got the 8 of swords card and the song message "I always feel like somebody is watching me and I have no privacy" I will not do this reading!

-> Choi Jongho

he wants to go solo the second ATEEZ expires, he would love to be remembered as Jongho from ATEEZ/from KQ, especially because he already has solo songs released in KQ, but I don't see an emotional attachment to the company, he really wants to continue the friend group of 8, keep the group chat alive forever, but doesnt want to expand his business with KQ any further than they need to.

jongho wants to dance more, continue singing, of course, but he wants to be able to focus more on moving his body than he is able to on ATEEZ; he carries like 50% of the vocals and high notes in ATEEZ so he needs to save his energy and breath, however, he is an outstanding dancer and he enjoys dancing a lot. I'm seeing mostly old school kpop (1st gen) and dance pop from him - Bruno Mars' 24K Magic album, H.O.T.'s Wolf and Sheep album.

[scbhagat]

GST Registration Services in Delhi by SC Bhagat & Co.

Navigating the complex web of taxation in India can be daunting, especially for businesses looking to remain compliant and grow in a competitive market. SC Bhagat & Co., a trusted name in tax consultancy, offers top-notch GST registration services in Delhi to make the process seamless for businesses of all sizes. Whether you are a startup, SME, or a large corporation, GST registration is a crucial step in ensuring your business stays compliant with India's tax laws.

Why GST Registration is Important? The Goods and Services Tax (GST) is a value-added tax levied on the supply of goods and services. GST has simplified the tax structure by replacing numerous indirect taxes like VAT, Service Tax, and Excise Duty. Here are a few reasons why registering for GST is essential:

Legal Compliance: Businesses with an annual turnover of more than ₹40 lakhs (₹20 lakhs for special category states) are legally required to register for GST. Failure to comply can result in heavy penalties. Improved Credibility: GST registration increases your business’s credibility in the eyes of customers, suppliers, and investors. It shows that your business adheres to the laws and operates transparently. Input Tax Credit: Businesses registered under GST can claim input tax credit on purchases, reducing the overall tax burden and increasing profitability. Expansion Opportunities: With GST, businesses can easily expand to other states in India, as the unified tax system eliminates the hassle of complying with multiple state taxes. Why Choose SC Bhagat & Co. for GST Registration Services? As one of Delhi's leading tax consultancy firms, SC Bhagat & Co. is well-versed in the intricacies of GST laws and regulations. Here's why partnering with us for GST registration is the best choice for your business:

Expert Guidance Our team of experienced tax consultants ensures that you understand every step of the GST registration process. From assessing your eligibility to filing the necessary documents, we guide you through it all.

Hassle-Free Process We make GST registration easy by handling all the paperwork and documentation required for the process. You no longer need to worry about missing deadlines or submitting incorrect information.

Quick Turnaround Time is money, and we understand that delays can cost your business. At SC Bhagat & Co., we ensure a quick and smooth registration process, minimizing any disruptions to your business operations.

Post-Registration Support Our services don’t end with registration. We offer ongoing GST compliance support, helping you with return filings, audits, and other GST-related queries to keep your business on the right side of the law.

Affordable Pricing Our GST registration services in Delhi are competitively priced, ensuring you get the best value for your investment. We believe in offering quality services without breaking the bank.

The GST Registration Process Here’s a brief overview of the GST registration process that our team will handle for you:

Determine GST Applicability: Based on your business turnover and nature, we assess whether you are liable to register for GST. Collect Necessary Documents: We help you gather all the required documents like PAN, Aadhaar, business address proof, bank account details, and other necessary information. Submit Application: We submit your GST registration application online and ensure all details are accurate. Obtain GSTIN: After verification, your business will receive a unique GST Identification Number (GSTIN), which will be used for all future GST filings and transactions. Post-Registration Services: Once registered, we continue to support your business with GST return filing, audits, and compliance updates. Documents Required for GST Registration To make the process even smoother, here’s a list of documents you’ll need to register for GST:

PAN Card of the business or owner Aadhaar Card of the authorized signatory Proof of business address (rental agreement, property papers, utility bills) Bank account details (cancelled cheque, bank statement) Business incorporation certificate or partnership deed Digital Signature Certificate (if applicable) Why Delhi Businesses Need GST Registration Delhi is a bustling hub of commerce, and businesses here often engage in inter-state and international trade. GST registration not only simplifies tax compliance but also streamlines business operations by reducing the burden of dealing with multiple state-level taxes. With the right tax consultants, you can easily manage your GST obligations while focusing on growing your business.

Contact SC Bhagat & Co. for Professional GST Services If you’re looking for reliable GST registration services in Delhi, SC Bhagat & Co. is your trusted partner. With years of experience in tax consultancy, we offer tailor-made solutions for businesses across sectors. Let us handle your GST registration and compliance needs so you can focus on what matters most—growing your business.

[msmeregin]

A guide to enhance your business growth      

Running a business is akin to navigating a complex maze, and every entrepreneur dreams of not just surviving but thriving. In the Indian business landscape, the government has laid out a golden path for micro, small, and medium enterprises (MSMEs) through a simple yet powerful tool – MSME registration. In this guide, let's explore how this seemingly mundane registration process can be your ticket to unparalleled business growth.

Understanding the MSME Advantage

 The Heartbeat of the Economy:

Micro, Small, and Medium Enterprises collectively form the heartbeat of the Indian economy. From local grocery stores to innovative startups, these businesses contribute not only to economic development but also to job creation, fostering a robust and inclusive growth environment.

Unlocking Financial Avenues:

One of the immediate perks of MSME registration is the access to financial assistance and credit facilities. Financial institutions offer tailored loans at favorable terms, recognizing the importance of these enterprises in driving economic progress.

The MSME Registration Journey

A Simpler Path Than You Think:

Contrary to popular belief, the MSME registration process is not a bureaucratic labyrinth. It's a straightforward journey that involves providing essential details about your business, such as PAN, Aadhaar, and other relevant information. Whether you choose the online portal or opt for the traditional route at District Industries Centres, the process is designed to be accessible.

Documents: Your Passport to Opportunities:

The importance of documentation in the registration process cannot be overstated. Your Aadhaar card, PAN card, business address proof, and details of your plant and machinery are the keys that unlock the door to a myriad of government schemes and subsidies.

The MSME Advantage Unveiled

Market Access and Procurement Preferences:

Once you've acquired your MSME registration, you find yourself in a prime position in government procurement. MSMEs are often given preference in government tenders, providing a golden opportunity to secure contracts and expand your market reach.

Technology Upgradation and Subsidies:

In the rapidly evolving business landscape, technology is the differentiator. MSME registration brings with it the chance to upgrade your technology with subsidies for adopting new and advanced processes. This not only boosts efficiency but also enhances your competitiveness.

Navigating the Schemes and Subsidies Landscape

Credit Linked Capital Subsidy Scheme (CLCSS):

At the forefront of government schemes is CLCSS, a game-changer for technology upgradation. It provides capital subsidies to MSMEs, facilitating access to credit for purchasing new machinery and equipment.

Pradhan Mantri Employment Generation Programme (PMEGP):

For those looking to embark on the entrepreneurial journey, PMEGP is the beacon. This credit-linked subsidy program promotes self-employment, creating not just businesses but livelihoods.

Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGMSE):

The fear of collateral is a common hurdle for many small businesses. CGMSE eliminates this barrier by offering collateral-free credit facilities, making it easier for MSMEs to access the capital needed for growth.

Tailoring Your Approach

District Industries Centres (DIC) and National Small Industries Corporation (NSIC):

Think of DIC and NSIC as your business allies. DIC, as a local agency, offers guidance and support, while NSIC provides a range of services from marketing assistance to credit facilitation. Engaging with these institutions can significantly enhance your MSME journey.

Tech and Quality Upgradation Support:

The government's emphasis on quality is evident through schemes like Lean Manufacturing Competitiveness Scheme (LMCS) and Quality Management Standards & Quality Technology Tools (QMS/QTT). These initiatives not only boost competitiveness but also position your business as a paragon of quality in the market.

Export Promotion and Market Development:

Venturing into global markets can seem daunting, but the Market Development Assistance Scheme for MSMEs is a trustworthy companion. It provides financial support for participating in international trade fairs, opening doors to new business horizons.

Overcoming Challenges for Seamless Growth

Lack of Awareness:

One of the challenges MSMEs often face is the lack of awareness about available schemes. Entrepreneurs can overcome this by actively seeking information through government portals, industry associations, and local MSME support cells.

Complex Application Processes:

Cumbersome application procedures can be discouraging, but persistence pays off. Simplifying the application process and seeking assistance from dedicated facilitation services or MSME support agencies can make the journey smoother.

Continuous Evaluation and Adaptation

Performance and Credit Rating Scheme:

Enhancing your creditworthiness is an ongoing process. The Performance and Credit Rating Scheme allows MSMEs to undergo assessments, showcasing financial stability to potential investors and lenders.

Embracing Continuous Improvement:

The business landscape is dynamic, and your approach should be too. Regularly assess the impact of government schemes on your operations, adapt to changes, and stay informed about updates to maximize benefits continually.

Conclusion: Your Journey to Unprecedented Growth

In conclusion, MSME registration in India is not just a formality; it's your gateway to a realm of opportunities. By understanding the classifications, embracing government schemes, and overcoming challenges, you position your business for sustainable growth. The government's commitment to fostering MSMEs is a testament to the integral role these enterprises play in shaping the nation's economic future. So, don't just register – embark on a journey of growth, innovation, and success. The path is laid; it's time to walk it.

Learn more at : https://msme-registration.in/

[jongnorp]

WELCOME HOME, LEE HYO!

You've got the keys, unlock your new world!

NAME. LEE HYO. DATE OF BIRTH. 20000314. OCCUPATION. STUDENT, ARTIST. NATIONALITY. SOUTH-KOREAN.

FREE FORM.

hyo’s parents met in college in california and were married before they graduated. they were madly in love, two kindred spirits, and swore to travel the world together. they didn’t really plan on kids and hyo was somewhat of an accident, born two weeks ahead of schedule in andong while his parents were trying to squeeze in one last trip to his father’s hometown before the baby was supposed to be born.

the couple stayed in andong for the first two years, longer than they had stayed in any one spot since they left college, before deciding they were restless again. some trips they took baby hyo on, some trips they left him with his grandparents. despite the chaos, hyo never felt left behind or neglected. his mother would bring back colorful souvenirs from all over the world and his father would put him to bed with stories of their adventures.

the older he got, the more trips hyo would take with them. they more or less homeschooled him, though how much schooling he actually got done was somewhat questionable. he had an interest in the arts early on, much like his mother, and she taught him to sketch and paint, bought him his first camera, and encouraged his exploration of the world through a creative lens.

there’s a pile of old pictures, paintings, and sketches from his travels with his parents. they’re treasured memories that hyo will never forget, seeing sights that kids his age only read about in books. but as he aged, he became a bit rebellious. not that his parents minded, in fact they encouraged it. hyo wanted to settle down for a short time; he wanted to go to college.

a normal office job was never in the cards for hyo, but neither was any riches. his family scraped by on freelance gigs and cheap accommodations during all their trips so it was nothing to elect to move into the rather ominous sharehouse not far from campus. it’s close enough to walk to the studio, which is all that matters to hyo.

after he completed his military service in his freshman year, hyo returned fully embracing his individuality after eighteen months of suppressing it. he came out to his friends (his family already knew, and were supportive) as pan and poly, keeping the people who supported him and cutting ties with those who did not. he’s still working toward finishing his degree and after that… he’s not too sure. maybe he’ll travel again.

[hellhoundmaggie]

You might be surprised by the services and materials your local library system has to offer, too! After we moved to a new town but before we had our Internet service set up, my spouse and I relied on free Wi-Fi hotspots from our local library. I used to live in a town where the library lent out tools and children's toys. My home city's library system offers museum passes. And I once visited a library that offers novelty cake pans! Find out what weird stuff your local library has TODAY

(Also don't forget to check for ebooks and other electronic materials. Once you have a working library card you can access that stuff remotely from your personal devices, so you can benefit from library services even if you aren't able to go in the physical building.)

Ok, I've seen this sentiment before, but the amount of Kindle Unlimited ads I've been seeing is forcing me to repeat it-

Kindle Unlimited is offering two free months of unlimited ebooks. As a trial. Which will then become a paid subscription.

Your local library is offering unlimited ebooks all the time. Forever. No contracts, no predatory practices, no tracking of how long you spend on each particular page in the hopes that information about your habits can be sold for a profit.

Use your library. They want so badly to give you all of the things for free.

[mithilatoday]

India Approves PAN 2.0 Project: Free Upgrades, QR Codes, and Digital Integration

In a landmark decision, the Government of India has approved the PAN 2.0 Project, allocating ₹1,435 crore to revamp the existing PAN card system. Announced yesterday, the initiative introduces digital enhancements to simplify taxpayer services and improve compliance. What’s New with PAN 2.0? The upgraded PAN card will come with several new features, including: QR Code Integration: Ensures…

[passportagent]

How to Book Tatkal Passport Appointment: A Step-by-Step Guide

Applying for a Tatkal passport in India can often seem daunting due to the urgency and meticulous process involved. At PassportAgents.in, we simplify this procedure for you, ensuring a hassle-free and smooth experience. Below, we have compiled a detailed guide to help you book your Tatkal passport appointment efficiently.

What is a Tatkal Passport?

The Tatkal Passport service is a fast-track process designed for individuals who need their passports urgently. Unlike the standard procedure, the Tatkal scheme accelerates both the application and issuance processes, typically delivering the passport within 1 to 3 working days.

Eligibility for a Tatkal Passport

Before applying, ensure you meet the following eligibility criteria:

Indian citizenship.

Valid address proof.

No criminal record or pending police verification.

The Tatkal service is applicable for both fresh applications and renewals.

Documents Required for Tatkal Passport

To avoid delays, prepare the following documents:

Mandatory Documents:

Proof of Identity (Aadhaar Card, PAN Card, Voter ID, etc.).

Proof of Address (Electricity Bill, Driving License, Rent Agreement, etc.).

Proof of Date of Birth (Birth Certificate, 10th Marksheet, etc.).

Additional Documents for Tatkal Service:

Annexure F (Verification Certificate signed by a Gazetted Officer).

Annexure I (Declaration for urgent passport issuance).

How to Book Tatkal Passport Appointment

Follow these steps to book your Tatkal passport appointment successfully:

Step 1: Register on the Passport Seva Portal

Visit the Passport Seva Portal.

Click on “New User Registration” and complete the registration process.

Log in using your credentials.

Step 2: Fill in the Application Form

Choose the option for a Tatkal Passport.

Fill in the required details accurately.

Save and review the application before submission.

Step 3: Pay the Fee

Tatkal Fee Structure:

Normal Passport Fee: ₹1,500

Tatkal Service Fee: ₹2,000

You can pay online using net banking, debit/credit cards, or UPI.

Step 4: Schedule an Appointment

Navigate to the “Appointment Availability” section.

Select a Passport Seva Kendra (PSK) or Post Office Passport Seva Kendra (POPSK) near your location.

Choose an available slot and confirm your appointment.

Step 5: Print the Appointment Receipt

After confirming the appointment, download and print the receipt. Carry it to the PSK/POPSK on the scheduled date.

What to Expect at the Appointment?

On the day of your appointment:

Reach the PSK/POPSK early to avoid last-minute hassles.

Submit your application and documents.

Complete biometric verification and photograph capture.

Attend the interview, if applicable.

How to Track Your Tatkal Passport Application?

Once you’ve completed the appointment, track your application status online:

Log in to the Passport Seva Portal.

Enter your application reference number (ARN).

View the status of police verification and passport issuance.

Alternatively, contact our team at PassportAgents.in for real-time updates.

Tips to Ensure a Smooth Process

Double-check all details in the application form.

Carry both original and photocopies of all required documents.

Opt for professional assistance to avoid procedural errors.

Why Choose PassportAgents.in for Tatkal Passport Services?

At PassportAgents.in, we offer comprehensive assistance, ensuring:

Error-free documentation.

Priority appointment bookings.

End-to-end support for application tracking.

Contact Us Today: 📞 Call us: +91 7795688234 📧 Email: info@passportagents.in 🌐 Visit Us: https://passportagents.in/tatkal-passport/

Common FAQs About Tatkal Passport

1. Can I apply for a Tatkal passport if I’ve lost my original passport?

Yes, you can apply under the Tatkal scheme, provided you submit an FIR and a notarized affidavit.

2. What if no appointment slots are available?

Slots for Tatkal services open daily. Keep checking the Passport Seva Portal for updates or seek our assistance for priority booking.

3. Are Tatkal fees refundable?

No, Tatkal fees are non-refundable.

4. How long does police verification take for Tatkal passports?

Police verification for Tatkal passports is usually conducted post-issuance.

For any assistance, reach out to our team at PassportAgents.in, and let us make your Tatkal passport application seamless.

Resource: https://passportagents.in/how-to-book-tatkal-passport-appointment-a-step-by-step-guide/

[nargis04shaikh]

Loan Against Property for Home Renovation or Repair

Home is not just a structure but a reflection of comfort, security, and aspirations. Over time, maintaining or upgrading this cherished space becomes essential. Whether it’s a much-needed repair, a complete makeover, or adding a modern touch, home renovation or repair can be a costly affair. This is where a loan against property (LAP) becomes a reliable financial solution.

What is a Loan Against Property?

A loan against property is a secured loan where you pledge your residential, commercial, or industrial property as collateral. It allows you to borrow funds based on the market value of your property. Unlike personal loans, LAP offers higher loan amounts, lower interest rates, and flexible repayment tenures, making it a popular choice for large expenses like home renovation.

Why Opt for Loan Against Property for Home Renovation?

Affordable Interest Rates Since LAP is a secured loan, the interest rates are generally lower compared to unsecured loans like personal loans or credit cards. This affordability reduces the financial burden during repayment.

Large Loan Amounts The loan amount depends on the market value of your property and the lender’s Loan-to-Value (LTV) ratio, which usually ranges from 50% to 80%. This ensures you get sufficient funds to cover substantial renovation or repair costs.

Flexible Repayment Tenure LAP offers longer repayment tenures, ranging from 5 to 20 years. This flexibility allows borrowers to choose an EMI plan that suits their financial capacity.

Utilization Freedom The loan amount can be used for any type of home improvement, including:

Structural repairs

Interior remodeling

Adding new rooms or floors

Installing modern amenities like modular kitchens or smart home systems

Tax Benefits Borrowers can claim tax deductions under Section 24(b) of the Income Tax Act on the interest paid, provided the loan is used for home renovation.

Eligibility Criteria

To avail of a loan against property, you need to meet the following basic eligibility requirements:

Age: 21 to 60 years for salaried individuals; up to 65 years for self-employed professionals.

Income: Regular income to ensure repayment capability.

Property Ownership: The property must be free of legal disputes and owned by the borrower.

Credit Score: A good credit score (750 or above) increases the chances of approval and better interest rates.

Documents Required

The typical documents required for a loan against property include:

Identity proof (Aadhaar, PAN card, etc.)

Address proof

Income proof (salary slips, ITR, or bank statements)

Property documents (title deed, valuation report, etc.)

Recent photographs

How to Apply for a Loan Against Property

Research Lenders: Compare interest rates, processing fees, and other charges.

Check Eligibility: Use online eligibility calculators to estimate the loan amount.

Submit Application: Provide necessary documents along with the application form.

Property Evaluation: The lender evaluates the market value of your property.

Loan Disbursement: Upon approval, the loan amount is credited to your account.

Points to Consider Before Availing LAP

EMI Affordability: Ensure you can manage the monthly EMIs without straining your finances.

Loan Tenure: Opt for a tenure that balances EMI affordability and total interest outgo.

Prepayment Charges: Check if the lender allows partial or full prepayment without penalties.

Lender Reputation: Choose a lender with a good track record and customer service.

Conclusion

Apply loan against property is an excellent financing option for home renovation or repair, offering affordability, flexibility, and substantial funds. By leveraging your property’s value, you can transform your house into a dream home without exhausting your savings. However, it’s crucial to plan your finances, compare lenders, and understand the terms and conditions before proceeding. With the right approach, you can ensure your home improvement project becomes a hassle-free and rewarding experience.

[assistfile]

GST Registration Fees for Online Selling in India: A Complete Guide

India is seeing growth in online sales, with hundreds of business owners and entrepreneurs taking advantage of the online marketplace. However, registering for the Goods and Services Tax (GST) is one of the most important procedures for selling lawfully online in India. However, what is the price of GST registration for internet sales? To properly guide you, we will delve deeply into the steps, expenses, and other facets of GST registration in this blog.

What is GST Registration, and Why is it Important for Online Sellers?

GST registration is mandatory for businesses whose annual turnover exceeds the threshold limit (₹20 lakhs for services and ₹40 lakhs for goods, with some exceptions). For online sellers, GST registration is required irrespective of their turnover, as e-commerce platforms like Amazon, Flipkart, and Meesho require sellers to have a GSTIN (GST Identification Number).

Having a GST registration allows businesses to:

Legally sell online and comply with taxation laws. Claim Input Tax Credit (ITC) for GST paid on purchases. Expand their business reach by partnering with major e-commerce platforms. Are There Any Fees for GST Registration? The good news is that GST registration is completely free of cost if you apply directly through the official GST portal (https://www.gst.gov.in). The Government of India does not charge any fees for issuing a GSTIN to applicants.

However, there are situations where you might incur costs:

Professional Fees: If you hire a consultant or chartered accountant (CA) to assist you with the registration process, they may charge a fee ranging from ₹500 to ₹5,000, depending on the complexity of your business. Document Preparation Costs: In some cases, notarization or preparation of certain documents may require minimal expenses. Step-by-Step Process for GST Registration for Online Sellers.

Gather Necessary Documents Here’s a checklist of documents required for GST registration:

PAN card of the business owner or business entity. Aadhaar card of the proprietor or authorized signatory. Proof of Business Address: Rental agreement, electricity bill, or property tax receipt. Bank Account Details: Bank statement or a cancelled cheque. Photographs of the owner(s). Digital Signature Certificate (DSC): For companies and LLPs.

Visit the GST Portal Go to the official GST website: www.gst.gov.in.

Complete the Registration Form Click on “Register Now” under the Taxpayer section. Fill in your details like PAN, email ID, and mobile number to generate a Temporary Reference Number (TRN). Use the TRN to access the GST registration application.

Submit Your Application Enter all necessary details, including business type, address, and turnover. Upload the required documents. Verify the application using OTP or DSC.

Receive Your GSTIN Once your application is verified, you will receive your GSTIN within 3-7 working days.

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Why Online Sellers Must Register for GST

Even if your turnover is below the threshold limit, online sellers are required to register for GST under the law. Here’s why:

Compulsory Requirement by E-commerce Platforms: Major platforms mandate GST registration for onboarding sellers. Tax Deducted at Source (TDS): Platforms like Amazon and Flipkart deduct TDS on payments, and you need a GSTIN to claim the deducted amount. Nationwide Compliance: GST registration allows you to operate across India without additional tax barriers. Costs Associated with GST Filing After Registration While the registration itself is free, maintaining compliance involves certain costs:

Monthly/Quarterly GST Returns Filing Fees: Businesses may hire tax professionals to file GST returns, which can cost anywhere between ₹500 to ₹2,500 per month. Late Filing Penalties: Delay in filing GST returns can lead to penalties of ₹50 per day (₹20 per day for NIL returns). Accounting Software Costs: Many businesses invest in accounting software like Tally or QuickBooks for GST compliance, costing ₹5,000 to ₹20,000 annually.

How GST Impacts Online Sellers

Simplified Taxation GST replaced multiple indirect taxes, streamlining tax compliance for businesses.

Input Tax Credit (ITC): Online sellers can claim ITC for GST paid on raw materials, packaging, or other business expenses.

Transparency with Buyers Displaying GST on invoices builds trust with customers and portrays a professional image.

Seamless Inter-State Operations GST eliminates the hassle of state-specific taxes, allowing sellers to expand their business across India. GST Registration Fees for Online Selling in India

Common Challenges in GST Registration for Online Sellers While the process is straightforward, many sellers face these challenges:

Document Discrepancies: Ensure that all documents, especially address proofs and PAN details, are accurate and up to date.

Technical Issues on the GST Portal: Internet connectivity or server downtime can disrupt the process.

Understanding Tax Liability: Online sellers must determine their tax liability based on their sales and category of goods.

Tips to Ensure Smooth GST Registration

Double-check your documents for errors before submission.

Hire a professional if you’re unfamiliar with the process.

Stay updated with GST rules, as they may change over time.

Use the Help Section on the GST portal for step-by-step guidance.

Conclusion: Is GST Registration Worth It for Online Sellers?

Absolutely! Obtaining GST registration is not just a legal requirement but a significant step toward professionalizing your online selling business. It ensures compliance with taxation laws, provides growth opportunities, and enhances customer trust.

While the GST registration process is free of cost when done independently, professional help may involve nominal fees. These investments are worthwhile, considering the long-term benefits of GST compliance. GST Registration Fees for Online Selling in India

Start your journey to becoming a successful online seller today by registering for GST. It’s a simple step that opens doors to a world of opportunities in the digital marketplace!

FAQs

Is GST registration mandatory for all online sellers? Yes, GST registration is mandatory for online sellers, irrespective of their turnover.

Can I apply for GST registration myself? Yes, you can apply directly through the GST portal for free.

How long does it take to get a GSTIN? Typically, it takes 3-7 working days to receive your GSTIN after successful verification of your application.

Can I sell online without GST registration? No, most e-commerce platforms require GSTIN for seller onboarding.

What happens if I fail to register for GST? Failure to register can result in penalties, fines, and restrictions on selling online. Document Preparation Costs: In some cases, notarization or preparation of certain documents may require minimal expenses.