#Mortgage advisers
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Discover the best Mortgage Advisers & Brokers in Hertfordshire
We are trusted Independent Mortgage & Protection Brokers! Find your perfect adviser and submit an enquiry today! ✔️First Time Buyers ✔️Purchasing ✔️Remortgaging ✔️Insurance & Protection
#Mortgage Advisers#Independent Mortgage Broker#First Time Buyers#Remortgaging#Purchasing#Insurance & Protection
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Also I know that we are all pessimistic about owning property but a genuine tip for when/if you have a mortgage:
Around November every year you will get a notice from the Financial Institution you’re borrowing from. This will be your Taxes & Income Account Assessment also know as your T&I Disclosure.
I cannot fucking stress this enough: read it. You should really be reading every communication you get from any financial insinuation you use whether it’s for a mortgage, banking, commercial lending, consumer lending, or investing. But especially read this.
This is the early disclosure that lets you know the escrow assessment of your property and tells you how much you payments will be starting January of the imminent year.
If escrow was shorted for whatever reason— property value skyrockets etc etc— your payment will go up and it’s important you know that esp if you have an ach or automatic payment set up.
Also if you overpaid your escrow you will get your escrow surplus given back to you. Most institutions you lend through will require you to have a savings account even if you don’t bank with them— this overage will be deposited into the savings and sit there. This T&I disclosure is the only required communication of this disbursement.
#the amount of people who have hundreds or thousands just having around they don’t know about#on the other hand the amount of people who don’t READ THEIR MAIL ?!?!?! and their payment goes up and it causes problems for them#sorry I work for the enemy aka in finance now#so here’s a tip for you#also happy to give financial advise if anyone needs it bc my whole job is mitigating peoples fuck ups for them and my employer#and helping correct errors#specifically with mortgages but you know#captain’s log#text
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Mortgage Adviser Tunbridge Wells
Lakewood Mortgages is a UK-based mortgage broker that offers personalized mortgage advice and solutions to clients seeking to buy a property, remortgage their current property, or release equity. With years of experience in the industry, the team at Lakewood Mortgages is dedicated to helping their clients find the right mortgage product and ensuring a smooth and stress-free process from start to finish. For Mortgage Adviser Tunbridge Wells contact us.
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Details Presentation The Mortgage Centre
The Mortgage Centre consists of a team of seven mortgage advisers, three based in Haverhill, two in Sudbury and two in Mildenhall. We have a combined experience of one hundred and thirty five years in the financial services industry between us.
29b & 29d Market Pl,Mildenhall,Bury Saint Edmunds,IP28 7EF
01440 712 833
#it contractor mortgage broker suffolk#mortgage broker suffolk#mortgage broker in suffolk#mortgage adviser suffolk#remortgage broker suffolk
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#CEMAP 1 (Mortgage Law & Regulation): This module covers the regulatory framework of the mortgage market#including legal requirements for mortgage advice.#CEMAP 2 (Mortgage Products & Advice): Focuses on the various types of mortgage products available and the process of advising clients on mo#CEMAP 3 (Practical Mortgage Advice): This is the final module#involving practical application of mortgage advice skills#including assessing the suitability of mortgage products for clients.
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Mortgage Advisers In Perth
Are you looking for the best mortgage broker in Perth? Look no further than West Home Loans, your go-to source for expert mortgage advice in Perth. With years of experience and a commitment to customer satisfaction, West Home Loans stands out as the top choice for those seeking professional mortgage brokers in Perth. Finding the right mortgage can be a daunting task, but with West Home Loans,…
#First Home Buyers#First Home Buyers in Perth#Investment Loans#Investment Loans in Perth#Loans in Perth#Mortgage Advisers In Perth#Mortgage Advisers Perth
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Experienced Mortgage Advisers in NZ: Your Home, Our Priority
Our dedicated team prioritises your homeownership dreams, offering personalised solutions tailored to your unique financial situation. With access to all major banks and non-bank lenders, we provide competitive interest rates and a comprehensive range of mortgage options.
Whether you're a first-time homebuyer, looking to refinance, or investing in property, our expert advisers are here to guide you every step of the way. Trust NZ Mortgages for exceptional service and expert advice.
For more information visit our website- www.nzmortgages.co.nz or Contact us at 0800 100 300
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Apply for a loan in California | Shubh Mortgage
Looking to apply for a loan in California? Look no further than Shubh Mortgage. We are a trusted and professional lending institution dedicated to helping individuals like you secure the financial assistance they need. With years of experience in the industry. we have built strong relationships with leading lenders across California. This allows us to offer competitive interest rates and flexible repayment options tailored to your specific needs. +1 (619) 432-5465 [email protected] https://shubhmortgage.floify.com/
#mortgage#mortage services in california usa#california mortgage#credit score#mortgage advisor near me#mortgage pre-approval#mortgage approval checklist#mortgage advisor#mortgage adviser#mortgage advisors
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Bank of England 0.5% Interest Rate Rise 2nd February 2023 – Today 2nd February 2023 has seen another interest rate increase of 0.50% taking Bank Of England Base Rate to currently 4% – it’s first increase of 2023 and 10th consecutive increase in a row. Unfortunately, this does have an effect on mortgages depending on the type you currently have.
Despite this though a mortgage price war has taken taken hold bringing fixed rates plummeting down since they peaked in November 2022. The average 2-year rates have fallen from a peak of around 5.90% in November to around 4.67% today, whilst 5-year rates have dipped even further, to around 4.32% from around 5.67%. The fixed rate improvements mean that rates are now at the lowest level since the mini-Budget sent them into orbit.
That said, rates remain higher than the lows of recent years and those coming toward the end of a fixed deal will need to plan ahead with their remortgage. At the same time lender Standard Variable Rates (SVR) continue to climb with the average of the top ten lender reversionary rates now standing at 6.73%.
UK interest rates were cut to 0.5% in 2009 after the financial crisis, then a record low, but were then lowered to 0.25% after the Brexit referendum in 2016. They then hit 0.1% in March 2020 once the pandemic hit, before the Bank began hiking in December 2021. But the days of ultra-low interest rates are behind us, people shouldn’t expect rates to return to the very low levels that we saw before the pandemic, even if the BoE do start to cut rates next year.
It is therefore very important to know the exact expiry date of your current fixed deal and to speak to a whole of market mortgage adviser like Be Mortgages at least 6-9 months prior to that expiry date to avoid automatically reverting to your current lenders much higher Standard Variable Rate. Alternatively if you are looking to purchase a property it is also imperative you get in touch with a mortgage broker very early on so that you know how much you can borrow, what interest rates are available and budget for how much your monthly mortgage payments will be.
Be Mortgages have access to every mortgage lender and will find you the cheapest rate available and advise on ways we can look to reduce your monthly mortgage payments. Once we have reserved you a rate we will continuously monitor the market for you and if rates go down even further we will apply for the new lower rate for you. Get in touch 0203 2913001 https://bemortgages.co.uk/
Your home may be repossessed if you do not keep up the repayments on your mortgage.
#refinance#remortgage#mortgage broker#mortgage adviser#first time buyers#bank of england#interest rates
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Searching for the right mortgage adviser Tunbridge Wells? Our experienced mortgage adviser is your trusted partner in securing the best mortgage deals. Get expert guidance and personalized solutions for your home financing needs.
#Mortgage Adviser Tunbridge Wells#mortgage tunbridge wells#lakewood mortgages#mortgage broker tunbridge wells
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🫣
#I’ve restarted the process of interviewing realtors and mortgage lenders because I really don’t feel like the ones I was going with last#year - or tried to go with before they were like basically trying to force me to buy a house over asking sight unseen- didn’t see me as#anything more than another sale but I really do think it’s relevant to the home buying process to discuss my fear of spending money and#prior homelessness that impacts my desire for a stable safe living environment now and I think the money thing is just going to come up#anyways because that’s a huge fear of mine and this is a lot of money so I do think those factors are relevant and necessary to talk about#but I’ve just nailed down who I believe are going to be better mortgage lenders and real estate agents and at least with the real estate#agent I told her a bit about how being homeless was terrifying and I really feel like having a safe stable living environment will heal part#of that but that I do have a fear of spending money and it will come up and she was nice about it in the sense that she didn’t talk about it#and I appreciate that cause while I feel it’s relevant I don’t want to make a big deal out of it but it was still like digging up a grave or#picking at a scab or something and#it’s embarrassing#my therapist advised me to stop calling my feelings pathetic but if the shoe fits Cinderella#anyways I’m just talking to myself
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Get The Best Mortgage Advice and Solutions from Affinity Financial in Cardiff
What Does a Mortgage Adviser Do?
A mortgage adviser is a trained professional who helps people find the best products and solutions to suit their circumstances. They work with clients to understand their financial needs and goals and provide advice on the most suitable mortgage products and solutions available. Mortgage advisers in Cardiff can also help clients with the application process, and provide support and guidance throughout the life of the mortgage.
Benefits of Using a Mortgage Broker in Cardiff
If you're looking to buy a property, it's essential to get the best mortgage advice and solutions to ensure you secure the best deal possible. This is where a mortgage broker can help. A mortgage broker is a professional who specializes in arranging mortgages and can offer expert advice on which type of mortgage product is best suited to your individual circumstances.
Here are some of the benefits of using a mortgage broker:
They have access to a wide range of lenders and products - This means they can find a mortgage that meets your specific needs and requirements.
They offer impartial advice - A mortgage broker will give you unbiased advice on which products are available, helping you to make an informed decision about which one is right for you.
They can save you time and money - A good mortgage broker will have a thorough knowledge of the market and will be able to negotiate with lenders on your behalf to get you the most competitive rate possible. This can save you both time and money.
They provide ongoing support - Once your mortgage has been arranged, your broker will continue to support you throughout the loan, offering guidance and advice if needed.
If you're looking for expert mortgage advice and solutions, Affinity Financial in Cardiff can help. We have over 20 years of experience in arranging mortgages and our team of experts is on hand to offer impartial advice and find the right solution for you. Contact us today to discuss this further.
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How can I make money writing fiction?
I'm gonna be straight with you. There is no guarantee that you'll make enough as an independent writer to make it worth your time. You very well might -- I make a liveable wage as an independent writer -- but many don't. Most writers I know also have a job. And luck plays a big part in it.
If you're interested in going forward in spite of this, you have two main options for monetisation open to you, and you are going to have to pick one. I call them the sales model and the sponsorship model, and you are going to have to pick one.
The sales model involves writing stories and selling them to readers. You can put books up on Amazon or Smashwords, sell them direct from your own website, enlist the help of a traditional publisher to handle that for you and let them decide where to sell, whatever -- the point is that your money is made from the sale of books to readers. If you go with a traditional publisher, you're using this model (though they will give you some of the money ahead of time in the form of an advance). Most indie authors also use this model, publishing through draft2digital, Ingram Spark, direct through Amazon, whatever. I've never relied on the sales model and can't give you any advice on how to do this, but Tumblr is full of indie authors who probably can.
The sponsorship model involves soliciting small amounts of money from various readers over time. This is ideal for web serials, and it's what I use. I use Patreon, which is designed specifically for this purpose, but you can use other sites such as ko-fi. This model involves providing regular content for free, with bonuses for those who support you.
"Can't I do both? Sell books and have a Patreon?" You absolutely can! I know several indie authors with a Patreon. I sell my completed books as ebooks and will eventually sell them as paperbacks. But your time and attention is limited, and so is your audience's, and you're going to have to half-arse one of these in order to have enough arse to whole-arse the other. You're going to make a lo of decisions that benefit either the sponsorship model or the sales model, not both. So pick your primary income source early and commit.
I can only advise on writing web serials and using the sponsorship model, so I'll go ahead with that assumption. If you want to make a liveable wage doing this, not only will you need luck, you'll also need patience. This is not a fast way to build a career. at the end of my first year of doing this, I had one single patron, and they were a real-life friend of mine. When I reached an income of $100/month, I threw a little party for myself, I was so happy. It had taken such a long time and was so much work. I reached enough to cover rent/mortgage after I'd been doing this for more than four years. It's a long term sort of career.
Here are some general tips for succeeding in this industry, given by me, someone with no formal training in any of this who only vaguely knows what they're talking about:
Have a consistent update schedule and STICK TO IT
The #1 indicator for stable success in this industry (aside from luck, which we're discounting because you can't do much about that) is having a consistent update schedule. Your readers need to know when the next chapter is coming out, and it should be coming out regularly. Ideally, you should have no breaks or hiatuses -- if you're in a bus crash or something, that might be unavoidable, and your readers will understand if you tell them, but if you're stopping and starting a lot for trivial reasons, they WILL abandon you. You can't get away with that shit if you're not Andrew Hussie, and I'm pretty sure Andrew Hussie doesn't message me for career advice on Tumblr. If you find you need a lot of hiatuses to write fast enough then you're updating too often; change your schedule. A regular schedule is more important than a fast one (ideally it should be both, but if you have to pick between the two, pick regular).
2. Pay attention to your readership, listen to what they want from you
Your income is based on a pretty complicated support structure when you're using the sponsorship model. this model relies on people finding your story, liking your story, and continuing to find it valuable enough to keep paying you month after month. This means that your rewards for your sponsors should be things that they value and will continue to pay for ('knowing I'm supporting an artist whose work I enjoy' counts as a thing that they value, to my great surprise; there's a lot of people giving me money just for the sake of giving me money, so I can pay my mortgage and keep writing for them without needing a second job), but it also means supporting the entire network that attracts readers and keeps them having the best time they can with your story -- being part of a rewarding community. Because this is advice on making money, I'm going to roughly divide your readership into groups based on how they affect your bottom line:
sponsors. People giving you money directly. The importance of keeping this group happy should be obvious.
administration and community helpers -- discord moderators, IT people, guys who set up fan wikis, whoever's handling your mailing list if you have a mailing list. You can do this stuff yourself, or you can hire someone to do it, but if you're incredibly lucky and people enjoy being a part of your reader community, people will sometimes volunteer to do the work for free. If you are lucky enough to get such people, respect them. They are doing you a massive favour, and they're not doing it for you, but to maintain a place that they value, and you have to respect both of those things. My discord has just shy of 1,300 members and is moderated by volunteers. I'd peel my own face off if I had to moderate a community that large. If you've got people stepping up to do work for you, you need to respect them and you need to make sure that they continue to find that rewarding by doing what you can to make sure that the community they're maintaining is rewarding. Sometimes this means taking actions and sometimes this means staying the fuck out of the way. Depending on the circumstances.
fan artists. Once you have people drawing your characters, writing fanfic of your stories, whatever, treat these like fucking gold. Give them a space to do this, and more importantly, give them a space to do this without you in it. Fanworks are a symptom of engagement with your work, which is massively important. They are also a component of a healthy community, an avenue for readers to talk to each other and express themselves creatively to each other. Third, fanworks act as a bridge for new readers. When readers share their art on, say, Tumblr, it can intrigue new people and get them into the story. Your job in all of this is to give them the space to work, encourage them as required or invited (I reblog most TTOU fanart that I'm tagged in on Tumblr, for instance), and other than that, stay the fuck out of their way. These people are vital to the liveblood of your community, the continued engagement of your audience, and the interest of your sponsors. Some of the fan artists will be sponsors themselves; some won't be. Those who aren't sponsors are still massively valuable for their art.
speculators, conversers, theorists, livebloggers, and That Guy Who's Just Really Jazzed For The Next Chapter. Some people don't make art but just like to chat about your story. These people are a bedrock of the community that's supporting your sponsors and increasing your readership, and therefore are critical to your income stream. Give them a place to talk. Be nice to them when they talk to you. Sometimes, they'll ask you questions about the story, which you can choose to answer or not, however you feel is appropriate. They'll also want to chat about non-story-related stuff with each other, so make sure they have a place to do that, too.
that guy who never talks to you or comments on anything but linked your story to ten guys in his office who all read it now. Some of your supporters are completely invisible to you. You can't do anything for these people except continue to release the story and have a forum they can silently lurk on if they want to. But, y'know, they exist.
If you want to focus on income then these are, roughly, the groups of people that you will need to listen to and accommodate for. You can generally just make sure they have space to do their thing, and if they want anything else, they'll tell you (yes, guys, paperbacks will be coming eventually). Many people will fit into multiple groups -- I have some sponsors that are in every single one of these groups except the last. Some will only be in one group. A healthy income rests on a healthy community which rests on accommodating these needs.
3. If you can manage it, try to make your story good.
It's also helpful for your story to be good. Economically, this is far less important than you'd think -- there are some people out there writing utter garbage and making a living doing it. Garbage by what standards? By whatever your standards are. Just think of the absolute laziest, emptiest, hackiest waste-of-bandwidth story you can imagine -- some guy is half-arsing that exact story and making three times what you'll ever make on Patreon doing it. And honestly? Good for him. If he's making that much then his readers are enjoying it, and that's what matters. Still, one critical component of making money as a writer is writing something that people actually want to read. And you can't trick them with web serials, because they don't pay in advance -- if they're bored, they'll just stop. So you have to make it worth their time, money and attention, and the simplest way to do that is to write a good story.
This hardly seems mentioning, since you were presumably planning to do that anyway. It's basic respect for your audience to give them something worth their time. Besides, if we're not interested in improving our craft and striving for our best, what are we even writing for? I'm sure I don't need to tell you to try to write a good story. The reason I list this is in fact the opposite -- don't let "I'm not a good enough writer" paralyse you. The world is full of someday-writers who endlessly fuss over and revise a single story because it's not good enough, it's not perfect, they're not Terry Pratchett yet. Neither was Terry Pratchett when his first books were published. If you're waiting to be good enough, you won't start. I didn't think Curse Words was good enough when I started releasing it -- I still don't. I started putting it out because I knew it was the only way I'd get myself to actually finish something. I don't think it's all that great, but you know what? An awful lot of people read it and really enjoyed it. And if I hadn't released it, I'd have been doing those people a disservice.
Also, it taught me a lot, and based on what I learned, Time to Orbit: Unknown is much better. If I'd never released Curse Words, if I hadn't seen how people read it and reacted to it and seen what worked and what didn't, then Time to Orbit: Unknown wouldn't be very good. And it certainly wouldn't be making me a living wage, because it was the years writing Curse Words that started building the momentum I have today.
And Time to Orbit: Unknown as it is today has some serious problems. Problems that I'm learning from. And the next book will be a lot better.
So that's basically my advice for making money in this industry. Be patient, be lucky, be consistent. Value your community; it's your lifeline, even the parts of it that don't directly pay you. And try to make your story as good as you can, but make that an activity you do, not a barrier to prevent you from starting.
Good luck.
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honeysuckle’s & huckleberry’s
Cowboy!Joel (41) X F!Reader (25) | 42.1k words | wip | explicit | 18+ minors dni | enemies to lovers | slow burn | au: no cordyceps outbreak | oral (f receiving) | (semi) public sex | vaginal fingering
masterlist | ao3 | spotify playlist
“In just—“ His eyes slip closed when his mouth connect with the inside of your wrist. His lips are warm and so tender you fight down a soft whimper at the intoxicating sensation. When they open again, dangerous amber irises peer back at you like you’re their salvation. “-my cowboy hat.”
Oh—fuck.
a/n: this chapter was so fun to write, I accidentally made it 9.5k words lol, but it was such a relief (ish) to write. Some new warning apply to this chapter, so please be advised of those. We get to see a whole new side to Joel this chapter and we’ll get to see some “in the making of” this chapter in the following one. A little bit of context on why Joel changes so abruptly and the reasoning behind his decisions. I hope you all know how much i love love love you guys for being here for me while i struggle to find time to write. I’m working on getting back on my feet every day and this is the one safe place I have to escape and indulge in my favorite coping mechanism. Much love, H 🤍
Chapter 7–You Don’t Want That Smoke
Your birthday falls on Friday this year, (lucky you) but it also means the First Friday dance falls on your birthday this year as well. It’s the first community event after the cold winter months and by that time, most people are itching to get out of their snow-buried homes. The town usually puts on the event to celebrate the coming spring, hosting venders of all sorts and games for the families. Growing up, your parents would take you to the petting zoo and let you ride the ponies, like you didn’t have a horse at home, like there wasn’t a whole ranch to attend to, animals to raise up and sell, like you could just for a moment, be a normal little girl from a quiet street who’d never sat in a saddle in her life.
If only that had been the case, ever. If only you’d had parents who pursued safe, reliable careers, where they had pensions and retirement, insurance and benefits, instead of breaking their backs for a ranch that had been dying long before it was left to your mother by her parents. Was it obligation that kept them here, or was it something else? Was it the same thing that got you through years of college, all in an attempt to keep your parents' dream alive for a little while longer?
It’s Wednesday, which means you have two more days before your birthday and Melly’s plane lands in a few hours from Colorado, but so far your morning has taken you five rounds in the octagon and is currently coming back for more.
“—No! The statements I just got in the mail yesterday said we have ninety days to come up with three months worth of the mortgage before the property faces foreclosure.”
The woman on the other end of the phone sighs at you and you can hear the way her hands hit her keyboard. “I know that, ma’am, but that was a month and a half ago and we still have not received any payments. The bank sent another letter, requesting that the entire six month worth of back payments be received by the end of the ninety days or the property will be foreclosed on.”
The routinely scripted response feels like an open handed slap to the face, white hot pain snapping through your veins like lightning on the Wyoming plains. You sink down into the dining room chair and let it soak in all the way.
“How many days do we have left?” You hear yourself whisper into the phone but it’s not you speaking, not really—its a absent reflex like blinking or breathing.
“That's…51 days, ma’am. We’ll contact you again in thirty days if we have not received the entire amount by that time.”
Your eyes burn and blur, tears for the years of your life wasted on a useless education, until they surge past the dam and plummet to the paper below. When you look down at the document, your tears are stained red by the ink on the foreclosure notice. “How much will it be, again?” Defeated, Inadequate and Doomed.
“Fourteen thousand, three hundred and forty dollars, for six months worth of the Mortgage and late fees accumulated.” She sounds annoyed when she reads off the obscene number, like she isn’t sealing the fate of your family home, the dream your parents have worked their whole lives for to pass down to you—all wasted on a backed mortgage that your parents took out on the farm when you were born.
The full circle indicates that losing your family’s livelihood was your fault, from start to finish. You didn’t make it in time. All your hard work, and you’re still going to lose it.
“Is that everything, ma’am?”
Click
You drop the phone and sob into your arms, your whole body shaking and heaving with every sharp inhale. In your best attempt to keep quiet, you attract the attention of the one person you long to keep this from, your sweet, well meaning mom.
She’s soft spoken when she soothes you, rubs your back while you dry up your tears against her chest and she doesn’t ask why, just kisses your forehead and smiles one of those sweet sweet smiles at you and says, “We’ll get through this, Honey, don’t you worry about that. We’ll figure this out together.”
And you believe her, enough to reel in your hiccups, enough to ease your searing tears. “Why don’t you take a break from work, Melly gets here soon, yeah? You got everything you girls need?”
You smile at her, thankful for her ability to distract you from the things that keep you up at night. She knows you better than anyone, she’s your best friend. “Maybe we can stop at the store after we get her, but we gotta leave soon—“ you check the time, one hour until her plane touches down in Jackson and it takes forty five minutes to get there alone.
“Actually Honey, about that…I can't go with you. I’m not feeling up to it and I thought I would whip up dinner for you girls. But I got someone to go with you,”
You stand up from the chair and put the papers back into the envelope. “Mom, I really can go alone, I drove all the way here—“ she stops you with a quiet scuff. “You got stuck in the snow and Joel had to pull you out.” Joel, that son of a bitch…that big, sexy cowboy son of a bitch who left you in the snow. Who huffs and puffs and walks around like the sweatiest, filthiest, most delicious version of every nasty fantasy you’ve ever had. Of course she would drag him into this, maybe she’s the one who’s after the help.
“Speak of the devil,” she has this knowing look when her gaze travels past you to the doorway of the dining room. You glance over your shoulder to find yourself smack dab in the middle of one of those filthy dreams, dressed in green plaid and his brown Carhartt jacket, his black cowboy hat resting atop his head with curls peeking out of the sides, kissing the tips of his ears. His beard has grown out a tad too, making him look soft all over, scruffy and curly with a dimpled smile. The sight of him comes with a sudden rush of soothing comfort, warm eyes that make you feel safe, hidden in the shadows of his hat.
“Heard I was takin’ you somewhere?” He’s broad and sturdy, with a slight sheen of sweat on the peaks of his collarbones under his shirt. Under his beard, his neck is taught and his muscles are strained, his pulse visible beneath his skin despite his cool composure. If you know Joel, he did a days worth of work this morning to clear his schedule for the rest of the afternoon. He probably smells like sweat and dirt, like horses and leather under all that damn southern charm he possesses.
Actually, you can take me anywhere. On the couch, in my room, hell—in the glow of a fridge light.
You sink your teeth into your bottom lip to bite off your involuntary groan, shooting your mom a sharp look. She may play coy, might act like she's this innocent and sweet, cookie baking, laundry folding, house making mom who knows no better, but you see what she’s really up to. How she hides behind her little false oblivion, a facade she usually only uses for good. This doesn’t feel like it was for the greater good.
“You—“ you sneer at her quietly and she smiles with a “Not sure what you mean dear, but you better get a move on. I have to get dinner in the oven!” She scurries out of the room and into the next, letting the door swing closed behind her. Joel remains in the same spot, one shoulder pressed against the white wood frame of the old door, his muddy boots on the dark hardwood floors. Your eyes drag up the rest of him, his pants are tight in the middle, hugging his hips and probably just barely restraining what lays below the dark blue denim. There's a soft curve to his belly, made apparent when his arms cross over his chest and pull his shirt tight against his front.
His belly looks so damn soft. So fucking round and bite-able. A few more clicks up, his chest nearly bulging out of the buttons of the flannel. The buttons hang on for dear life, but you’re afraid if he flexes, they will scatter to the floor with your resolve.
He clears his throat and you finally meet his eyes. “Doin’ alright there, darlin’?” If his presence wasn’t enough, the bourbony southern drawl and the way he cocks his hip makes your thighs squeeze together involuntarily. “Yeah—Yep, just need to get dressed and I’ll be ready.” You’re still in a big sleep shirt, have been all morning because work for you doesn’t require pants half of the time. When you start to breeze past, his eyes drop to the exposed skin of your thighs.
“Been wonderin’…” he stops you with a big hand, pressed against your sternum when you try to pass by his solid form. He’s still faced the opposite direction than your body, only his head turns to look down at you, gone still beneath his stern fingertips. “If you always walk around naked under these shirts, or if you’re wearin’ somethin’ under there when mom and dad are ‘round?”
His eyes flick back to the door leading into the kitchen, where your mother is currently hiding from your scowl, then back down to the hem of your oversized shirt. The hand on your ribs shifts when you haul in a deep, stuttering breath. It slips a few inches lower, the tips of his thick fingers dipping into the flesh of your stomach, just below your belly button. He’s so close and so fucking firm where he holds you in place.
“Why don’t you have a look for yourself, Cowboy?”
You challenge him back and you swear he stops breathing beside you. He meets your dare with a low growl, reverberating inside his rib cage like a shout in a vast canyon. What the hell is happening right now, did he hit his head or something? Is he finally getting the fucking hint? How desperately you want him to have his way with you? Then again, the last time he saw you dressed like this, you were bent over, knowingly showing off everything you had to offer, the place you wanted him most, while you listened to the guttural sounds leaving the unsuspecting man behind you. You aren’t going to complain about the sudden shift in his attention, hell no—you’ll soak in what you can get from the leery cowboy.
You hardly register the way he moves until he leans forward and warm fingertips graze the skin just under your ass. He’s looking when he lifts the shirt all the way up to your tailbone slowly, covered by smooth black satin, a thong that hugs your hips but leaves your cheeks exposed to his greedy sight. His eyes are everywhere, your thighs and the curve of your bare behind. His fingers dip just under the black satin band on your hip, his expression is just shy of a devoted man as he drinks in the contrasting sensation of your smooth skin and the silky material.
“Fuck,” he murmurs under his breath, letting his hand slip from your panties to travel back down, unsure fingers tracing along the crease of your ass, curling under your cheek when he gets to the bottom. It’s the softest touch you’ve ever felt, full of admiration and barely restrained desire. It sets your skin on fire, radiating behind your eyelids. “Those are…damn pretty, sugar…but you better go get yourself ready, before you’re late.” His hands slip away from you completely and he turns in the direction of the door, already on his way out before you even fully process what just happened. What flipped inside of Joel on a random Wednesday afternoon in late February?
He leaves with a satisfied smirk with intentions of starting the truck while you stammer against the doorway and remind yourself to breathe. When the front door closes behind him, you lean against the wood he was just propped against, hoping his heat will still linger there. He instigated something, a secret whisper of want, the thought makes a grin break out from one side of your face to the other, pulling your cheeks tight. He wants you.
You get dressed with that same stupid grin plastered on your face. You shift through your closet a few times, but you keep falling back on the same outfit. A pair of flared jeans, light in color with stitch work on the sides. With a pair of boots, they make your ass look like a dream—just what you are going for, just so you can rile Joel further. You find a tight top and a thick wool flannel to throw over it, before tracking back down the stairs to the front door.
It’s the rush of adrenaline that shocks the agony from your brain, but the moment you bound down the front steps to his waiting truck, the door already propped open, you pause.
You stop at the foot of the stairs and turn, looking up the steps you’ve known your entire life, the screen door you’ve spent numerous summers swinging in and out of. The porch you’ve watched storms roll in from, the porch swing where you had your first kiss. All this and…your heart sinks. When you turn back towards the running chevy, Joel is staring back at you, his once knowing smirk traded in for a furrow of concern on his handsome features.
You climb into the passenger seat and fasten your seatbelt while Joel puts the truck in gear and pulls away from the house.
There’s a long stretch of road that passes in near silence, before it’s you who just can’t take it anymore. Joel, sweet fucking Joel sat beside you, respecting your emotions and your boundaries once again. “Ranch is ‘bout to be foreclosed.” You tell him. Once it’s spoken aloud, you realize just how imminent your family’s demise really is. How quickly you are going to lose everything, watch your parents walk away with no retirement and nothing to show for themselves, for generations of hard work.
You expect something, questions about how you know, how long you have, if there's anything he can do to help you, but the questions never come. Instead, Joel reaches over and presses his fingers into the latch on your buckle, pulling it off of you with one click.
“C’mere, sweet girl.” His tone is low, soft enough to not interrupt your thoughts, but enough to have you drawing across the bench seat and slipping under his sturdy arm while he drives. He keeps you tucked in close beside him, his hand trailing up and down your arm to ease out the pain residing in your veins. He takes one glance down at you and leans forward, his lips connecting with the crown of your head. “We’ll get through it. We ain’t goin’ down without a hell of a fight.”
We
We
Because after the years you’ve spent away from this place, Joel has come to think of the Rising Sun ranch as his home just as much as it is yours. He’d raised every one of the cattle on that ranch, he’s worked day and night to ensure its survival, he’s lost sleep and nearly limbs fighting to keep them afloat while you were gone. This is his home, his fight right alongside yours. Finally, the weight seems to ease up, shouldered by Joel's sense of responsibility for your family’s livelihood.
Beside you, he’s solid and warm, he’s alive and overflowing with strength, enough to spare, for something to cling to. You turn your head and bury your face in his shoulder, covering yourself in the shield of protection he has to offer, sturdy, devoted support that makes you feel lightheaded with security. He doesn’t push you further, doesn’t prod you for details. He just hangs on, keeps your body tucked in close to his while he drives into town. At some point, the rattling of the old truck along patchy highway roads lulls you into sleep with your head against his shoulder and one leg across his lap.
Joel, with all the strength he can muster—holds on tight.
“Hey,” your senses come rushing back when the truck comes to a stop and your warm pillow jostles under your head. You lift up off his weight a little and glance at him through a sleepy gaze, a soft smile present on his lips. “As much as I like you droolin’ all over me…” he gestures to wet stain on his flannel. “Think your friends plane lands soon, don’t want you to miss it.”
You get yourself together enough to look out the window. Joel parked right outside of baggage claim at Jacksons little airport and his arm still sits tightly around your shoulders. A deep sigh sets in to your bones and you lean against him for just a moment longer to soak in the warmth. “Hey, look at me, darlin’,” his hand wraps around your chin gently, coaxing your eyes up to his. “Don’t think about the ranch, at least till the week is over. Ain’t nothin’ you can do right now, so don’t let it ruin your birthday. Everythin’s gonna be alright.” His words trail off when a broad thumb swipes across the underside of your bottom lip, his gaze caught in yours so tightly you’re half sure the jaws of life couldn’t draw you apart. He breaks out into a grin and heaves a shallow laugh. “Had a little drool there.”
The little laugh that bubbles up in you breaks the eye contact and Joel shuts off the truck, untucking you from his arm. You check the time for safe measures, there's still a few more minutes before the plane lands and she still has to make it out the gates.
“Joel?” He’s fiddling with his key chain, adjusting a few backwards keys. “Hmm?” He barely makes eye contact—is he embarrassed? From holding you while you slept? “Thank you. For everything you’ve done for me—for my family while I’ve been gone. I can't think of a way to…repay you for everything.”
Joel glances over at you and something flashes in his brown eyes, something that looks like discomfort and shame. He takes a sharp breath in and squeezes his knuckles around the keys. “I didn’t do it all selflessly…please don’t take this wrong. I haven’t felt a sense of belonging in years. Me and Tommy have been drifting since I was twenty eight, working on one ranch after another. We’d stick around a town for six months and he’d get antsy, stir up trouble and we’d have to hit the road again.”
He brings his hand up to his mouth and chews on the corner of his thumb. He’s anxious, you can tell by the way his eyes flitter to you then away quickly. “I’ve covered his ass more times than I can count because I don’t know if I’ll be the same if I have to leave here. It feels fuckin—selfish, like I’m usin’ your folks. M’gettin’ old, my bones are tired and all I want is to…stop. Slow down for once in my life. I’ve never been more at peace than I am here, with your parents and the ranch. I was doin’ so good, gettin’ my mind right, hatin’ myself a little less and then—“ he trails off with a distant look in his eyes.
And then…what? What’s caused Joel to lose that sense of peace and stability? “What happened?” You sink back in the bench seat, run your fingers along the stitched pattern of color adorning the warn padding. “S’big snow storm came in…I was comin’ back from town because I took Tommy to pick up flowers. He’d been a real asshole to a sweet lady who didn’t deserve it. Was pissed off he was smokin’ in the truck, pissed he was jeopardizin’ our home again, when we see this little car stuck in the embankment, met this—real pretty girl, and she…” he sneaks a glance over at you, but he’s doing his best to find anywhere, anything else to look at. Cars passing by, the sun reflecting off the bright white paint on the cross walk. The older woman in-front of you, helping what looks like her daughter, load her luggage into the trunk.
“She got under my skin and I was flustered for the first time in a really long time. Kinda freaked me out—and then I left here there—‘cuz I was scared shitless and nothin’s ever been the same since. Sorta think she hates my guts half the time for it.”
There's this unsettling silence in the cab, Joel's nerves and his admission hanging in the air between you. He’s never ever been this vulnerable and honest with you before. You’ve talked to him more times than you can count now, a meaningless little conversation where you found everything you needed to change your mind about him. But he’s never opened himself up like he was right now, in the damn pick up line of the Jackson airport.
“Joel I…I already forgave you for that.” You forgave him for that when he gave you your necklace for Christmas. You forgave him when he carried a newborn calf half a mile through a snowstorm for you. You forgave him when you came down the stairs to him in that damn cowboy hat.
You forgave him when he came back for you and looked at you with those pretty brown eyes.
“What?” He looks over at you and you hold onto the eye contact for as long as you possibly can. “I don’t hate you. Furthest thing from it actually—I do hate how much you avoid me. Like I’m going to bite your head off any second—“ he snorts, cracks a white smile at you and his eyes crinkle at the sides, making your stomach flutter, little blue butterflies soaring through your abdomen. “You do bite my head off—often.”
Okay—maybe he’s a little right, maybe you let it get too far a few times, spent too many afternoons angry at his distaste for you, when all you wanted was a taste of him. “Well, I’m sorry…for all the things I’ve said to you, the things I’ve called you. But I’m not upset about that anymore. I forgave you for that a long time ago. You’ve already made up for it a million times, Joel.”
He’s grinning at you like you just told him he won the fucking lottery, his nervous hands drumming a absent tune against the steering wheel. He’s looking at you like it’s the first time you’ve ever met him, his eyes shining with mirth and admiration. “Think…you could give this ol’ cowboy another shot?” That nervous little shake of his jaw, the tick in his voice and the hopefulness in his eyes is enough to break anyone, but you? You’re so lost on him you never want to find your way back. Throw away the maps, toss the keys somewhere you’ll never find them again—you never want to go anywhere else in the world. Another shot? You’d give him all of them.
“Pretend you’ve never met me before.”
He blinks, cocks an eyebrow and makes a face of confusion at you. “I’ve never met you?” You nod, turn your whole body to face him on the bench seat of his old beat up chevy. “Like it’s the first time we’ve met. I’m Hank's daughter and you’re picking me up from the airport to take me home for the first time in years. We’ve never met. Try again, shoot your shot, cowboy.”
You’d like to imagine that's how it went—your mom and dad were too busy to come get you and you decided to fly because you knew your little car wouldn’t make it. They send Joel, because he’s trustworthy and punctual. They know he’ll treat their daughter with respect, they trust that he’ll use his better judgment, because they know he’s a good man. You know that under that rough, hard exterior is an anxious man searching for belonging, a good man.
Joel takes a deep breath, lets his mind drift out the window before he turns it back to you with a charming smile, one you’ve never been on the receiving end of. It’s smoldering, flirtatious—everything you imagined Joel to be after all those years of pinning after a man you’ve never laid eyes on. A Joel you’ve never met and desperately need to get to know better. “Prodigy daughter finally returns,” his drawl is thick and his eyes rake over you once, twice, before settling on your own. “I’m Joel.”
You giggle—rightfully so, because this Joel? This Joel is all quick wit and chivalry. You fake introduce yourself back, your grin mirroring his own. “It’s a pleasure to meet you, Joel.”
“Pleasure is…all mine, darlin’.”
You could stare at him forever with that damn goofy smile on his face. “Anyone ever tell you—you look good in this?” You tell him, reaching up to flick the brim of his hat, but it stays firmly in place despite your efforts. He snorts and snaps up to catch your wrist, holding onto it tightly in his big hand. “S’funny, I was just thinkin’ about how good you’d look in my hat.” His thumb circles the inside of your wrist slowly,’ pushing down the fabric of your sleeve with the effort. Slowly, he draws your appendage closer, till his mouth hovers just above your skin. His eyes are like witnessing something tragic, so devastating you can't bring yourself to look away.
“In just—“ His eyes slip closed when his lips connect with the inside of your wrist. His lips are warm and so tender you fight down a soft whimper at the intoxicating sensation. When they open again, dangerous amber irises peer back at you like you’re their salvation. “-my cowboy hat.”
Oh—fuck. There’s an image you’ll never get out of your mind—your hands on his sweaty chest, the brim of his hat falling in front of your eyes while you try to keep it in place, despite the way you ride him—
“Joel—Jesus, you can’t just—“
He breaks out into a chest filled laugh, his eyes slip close and his head falls back. His whole body responds to the way he laughs, his legs kick up, his chest heaves and his belly bounces. He’s a menace, a damn trouble starter—he makes you see hearts around his head and a sparkle in his eyes you’re sure you’re imagining. He calms his laugh down with a few deep breaths, a grin still plastered on his handsome face. “What can I say? I’m really bad at first impressions.”
He is, but it doesn’t bother you like it used to. Joel isn’t and never will be the perfect man you’d envisioned. He’ll never be the Joel you’d made up in your head for so long, because that Joel was made solely for you, from your interpretation of a man who’s perfect for you in every way. But that Joel and the one in front of you are two vastly different people—this Joel is gruff at times, opinionated and flawed. He wasn’t made perfect for you, but you find that the things that make him the least like the Joel in your mind—are the things that you like most about him. He’s gruff, but he’s punctual and takes no shit. He’s opinionated, but he’s wise about life, he’s earned the right to voice his beliefs. He’s flawed—he has crows feet by his kind eyes, graying curls and weathered hands—but it’s his flaws that entice you to learn more about him. They make him real in front of you instead of a made up, faceless man in your dreams.
Your phone chimes in your pocket and it sucks you from the void in the cab of this old truck, away from Joel's charming smile and his burning hand on your wrist. He pulls away and the moment dissipates into dust on the dashboard.
Melly: I just got my bag, headed out now!
“Be right back,” you slip out the door with a firm shut and try your hardest not to glance back at the man in the cab of that blue and white truck.
Finding Melly is easy, she sticks out like a sore thumb with her blonde hair and too-blessed chest. What did she do in a past life for tits like that, anyways?
She comes out the double doors and jogs to you with a grin your wearing on your own face. “Oh my gosh!” She squeals, finally getting close enough to throw your arms around each other. It’s been months since you’ve seen each other after spending everyday together for the last two years. You tumble around together in your hug for a few minutes before she pulls back to look you over, in a pair of flared jeans and boots. “Oh man, the country got you.” She jokes, faking a deflated sigh. “Would you fuck off?” She laughs menacingly, slinging her bag over her shoulder for more security. “Let me guess, you’re still trying to drive that cowboy crazy, right?”
With a deep eye roll, you finally look back at the truck. He’s looking right back at you, an easy smile on his lips when your eyes connect. You look back to your best friend and make a face. “He uhm…he actually drove me…to come get you. He’s in the truck, please be nice to him, okay?” She sneers and you know she means trouble when you help her with her things on her way to the truck.
“Please don’t fucking embarrass me, I swear dude—“ Mel gives you a little shove and huffs a laugh when you put her suitcase in the bed of the pickup. “Don’t worry, I’m not going to ruin your shot with the old dude.” She looks around you, eyeing him from outside of the truck without his knowledge. “Holy shit, dude he’s hot. He’s like, stupid hot.”
You look over at him too and like he can feel your eyes on him, he looks over his shoulder, smiles warmly and you know it—
Know you’re fucked.
“Not a word.” Mel throws her hands up innocently and follows your lead when you open the door of the truck and climb in the middle, sliding in right beside Joel, reclaiming the space you’d taken up on your way here.
The whole drive back to the ranch, your body is on fire along the parts that connect to Joel, pressed so close you’re afraid you might melt into him.
Two days pass in a blur.
You spend a lot of time with Mel, catching up on how she's been doing since graduating, how she likes work—she’s a wildlife biologist in Colorado, who’s still learning the ropes of the job but she’s never been more excited to be a part of something. You don’t tell her about the ranch for a good reason, but she still asks and doesn’t say anything if she notices the look on your face when you lie to her.
We’ll get through it
You love spending time with her, but you don’t see a lot of Joel besides meals. He’s pleasant and soft, smiling at you like he’s never worn a frown on that handsome face. He sits too close at dinner, draws your gaze in far too many times for it to be an accident. It’s not anymore but it’s still so damn hard to make yourself believe that this isn’t just a fleeting moment—temptation breathing life into you for the first time in years, teasing you with possibilities.
He makes you burn but he doesn’t push further, doesn’t chase that desire down its narrowing path. It’s so close—you’re so close to finally making him yours.
When your birthday rolls around, he’s nowhere to be seen at breakfast. When you head out to the stables, the horses have already been fed and there's no trace of the man who plagues your every waking moment. The truck is gone and the tire-tracks in the driveway look old, like he’s been gone for hours. It’s not that he’s required to see you on your birthday, but you thought things were going to change. You thought that re-meeting him in the truck at the airport would restart everything, he’d realize you want him around more than the ranch hand who got under your skin and made you desperate for his attention. It feels naive, to watch out the window for his truck for most of the morning, pining after that faded powder blue and rust.
“This is depressing to watch from the outside, you know that right?” Comes Mel’s voice from the other side of your room when you check the window for the first time in the last half hour. She's painting her nails on the chair in your room while you peer through the blinds like he might appear out of thin air without you hearing the rumble of his old chevy. “I don’t know what you’re talking about.” You do your best to defend yourself, stepping away and crossing your arms as you trudge to your bed.
“Don’t play dumb with me, I know you. You’re pacing your room wondering when you’ll see him. You know everyone can see the way you guys look at each other right? When are you guys going to like…kick it up a notch, get in his pants?”
You toss yourself on the fluffy sheets and close your eyes tight, letting your mind wander for a moment. “I don’t know…” what are you going to do, if you cant even see him long enough to get him alone? Tonight is the dance and you were hoping he’d be there, maybe he’d ask you for a dance. You’ve never told a boy in your hometown yes to a dance at this thing, but you’d change that for Joel. If he asked, you’d let him spin you around all night long.
Only problem is, he can’t do that if he’s still avoiding you like you're an illness he can’t afford to catch. “He’s so confusing. One second he acts like…he wants me, the next he’s hiding from me, probably—ugh, I just wish I could get him out of my head if he wants nothing to do with me!”
The room is silent, still for all of five glorious seconds before Mel breaks it. “Does he still run away to jerk off?” You snap your eyes over to her with a sharp glare. “Yes! And he drives me up the fucking wall, dude! All I want is to get my hands on that delicious man and he runs away every time. How am I ever supposed to accomplish anything if I can't even get him alone for five minutes. And every time I do, something happens and ruins it all.”
You can't seem to get a second with him no matter how hard you try. The last two days, he hasn’t been around aside from his work in the morning, a few meals he makes it to in between. If you’re being honest, it's painful to think about the way he’d smiled at you a few days ago and the way he doesn’t have the time of day now.
“If he shows up at that dance tonight, I’m making sure you get your second alone. Now come on, let me help you pick out your dress. He won't know what he’s missing out on.”
By the time you’re headed out the door for town, Joel is still nowhere in sight. You thought you’d heard his truck for a moment earlier, but when you’d peered out the window a few minutes later, there was no blue chevy in the driveway. No cowboy waiting out front for you.
You trudged to the car in your black dress, two slits up the sides where your thighs peak out and a back so low your half afraid your ass is going to fall out of the damn thing. You do your best to hold it up when you walk through the dirt, a pair of knee high red cowgirl boots are the only thing saving you from the mud right now.
Melly isn’t far behind, but she's not dressed in anything nearly as revealing as you. She’s making friends with Tommy who surprisingly hasn’t tried to flirt yet and claims to have no idea where his older brother has disappeared to. He’s endearing, but you know he’s playing for both sides here, hiding something for his brother.
On the drive into town, your parents take your dads truck, leaving you, Mel and Tommy in your car. When you get about half way, you finally break and ask if Tommy has seen Joel, if he knows if he’s coming. Tommy shrugs in the rearview mirror with a smile.
“I’m sure we’ll see ‘em.” Is the only answer you get.
It doesn’t happen for hours.
Hours of forcing a smile through mind numbing conversation with people you haven’t seen in years. The same old how have you been in the big city? and you tell them it was hard work and commitment. They ask no plans for the future? like you’re doomed without a ring on your hand at your age. You keep your head up through every comment, back handed compliment and pick up line that passes you by for a whole fucking hour on the dance floor alone.
“I think I want to go home soon. I’m having the worst fucking time, my feet are killing me and I think my eyelash is falling off.” Your whining and limping, faking distress and discomfort for any shot to get the fuck out of here, go home and maybe you can chance a run in with Joel.
Maybe he’s coming in from the north pasture where he’s probably been hiding all day. He’d be covered in muck and sweat, dirt clinging to the creases in his face. He’d be tired and worn out, vulnerable to the way you’d take advantage of his weakened restraint. “You sure you don’t want to stay a few minutes longer?” Melly muses beside you sipping on a tall glass of tequila on ice, watching the small town’s people converse and dance, laugh and gather together under the low string lighting.
You take a long drag of the drink in your own hand, your third of the night that's finally starting to warm your insides. It’s not enough to ease the ache of wishing Joel would appear. You know he won't, there's only a few hours left and people are starting to get tipsy. “I think you might want to rethink that…the devil himself just walked in, twelve o’clock.”
You look up at her, in a pretty green dress with curly hair framing her face. She’s smirking over your shoulder at something—or someone behind you. You turn the rest of the way around and swear you’re in the middle of one of those movie scenes.
The ones where the love interest walks in and sexy rock plays while they walk in slow motion. With wind blowing this hair back even though they are inside. Joel fucking Miller was doing exactly that at this very minute, striding through the hall in his cowboy hat and a black button down, dark wash jeans and his boots. He looks like a wet dream standing there, looking a little bit lost and so damn handsome. Under his hat, you can see that his hair is slicked back and he looks clean like he’d gone home and gotten ready.
He’s here.
“Oh he looks…if you don’t ask him to dance, I will. He’s hot.” You wish you could explain to her that Joel is more than that, that he’s funny and endearing, that he’s honorable and loyal to a fault. He’s so many more things than just hot. You swivel around as he makes his way through the crowd, he’s bound to find you and you don’t want him to spot you gawking at him. “Do I look okay? Fuck he looks so good—is my hair alright?” You try to do a quick pat down but Melly grabs your hand with a smile. “You look fine. He’s not going to know what hit him, I promise—but he’s coming this way so whatever you do, chill out.”
She sets her drink on the tall table, the ones that adorn the outside of the dance floor for people who want to mingle. You take a long drink of yours and move to set it down when someone clears their throat behind you. The drink hits the table and you turn slowly, till you rotate around to face him completely. He’s even more devastating up close with pearl snap buttons on his shirt, his arms nearly bulging out of the damn thing. His facial hair looks shorter, his eyes shimmering with reflected light.
“What’s a pretty thing like you doin’, standin’ here all by herself on her birthday?” He grins at you and takes another step forward. “Guess I’m just waiting for the right cowboy to ask me for a dance.” You tease back, reaching out for him once he’s close enough for you to touch. You start at his stomach, soft under his dress shirt. When your hands make contact, a visible shiver runs through Joel.
There’s suddenly two more hands to join the party, one high up on your waist while the other curves around low on your hip, his digits digging into the top of your ass. “I’ll be real’ honest with you here, doll—askin’ you for a dance is the only reason I came tonight.” He smells good for once, usually you catch a hint of his shower under the smell of dirt and manure, a faintness of his once clean skin. Now, it’s all you can focus on—how he’d taste like his soap, smooth and clean, every part of him reachable by your watering mouth. “Well, Cowboy…go on.” Your hands slip up his chest and over his broad shoulders, like you’ve imagined yourself doing a thousand times. He’s responsive, lowers his shoulders so you fit along him perfectly.
“Would ya make this old man's day, let me have a dance?” His hand drops lower, along the side of your thigh until he can dig them into the curve under your ass. If you didn’t know any better, you’d think he was trying to hoist you up, drag you into that vice-like grip you want to be at the mercy of every day of your life. “Can’t get me any closer, Joel.” You giggle, hiding your face against his neck. He smells like after shave and a little like whiskey. “I thought you were giving up drinking?” You nip at his jaw lightly, just to listen to the way he rumbles against you.
“I’m—tryin’ to keep my cool here, but you look fucking incredible tonight. Needed a little courage to walk up to you, s’all.” He leans back slightly, looking down at the way your dress squeezes your tits together, nearly pouring out of the black satin. “Fucking…gorgeous in this thing, you know that? You knew how sexy this little thing was, didn’t you?” He pulls at the slit that exposes your thighs, raking it up a little higher, until he can get a handful of bare skin. He’s not wrong—you’d put the dress on and thought about all the ways it would drive Joel crazy if he saw you in it.
“You better take me dancing before you take this off of me.” The dance around you has started to fade away. Melly took her cue to go and has started to make conversation elsewhere. “With pleasure, darlin’.”
Joel all but carries you to the middle of the dance floor before you notice his obvious nervous ticks, the shake of his hands and the way he’s fighting the urge to gnaw on his thumb. He’s anxious despite his obvious attempt at faking composure. When you wrap your arms around his shoulders again, he stammers. “Need to tell you somethin’.” His voice is a little shaky on the inhale when his hands find your waist again. “I went into town last week, there’s this dance studio on sixth street and I thought, maybe I could trade work for someone to…teach me how to use my damn feet.” For added flair, he reels away from you and spins you once before drawing you back into his chest as he moves. “So, I take it someone taught you?”
The song changes, something slow, romantic and sweet that couples join in around you, swaying together around the dance floor. “Lady said she’d been lookin’ for someone to replace the dance floor. Told her I just wanted to learn to dance, so I’d stand a chance against the other schmucks askin’ you.” He dances you around for a few more moments, pulling out all the stops—every new move he learned. Was that why he was gone so much, disappearing every time you turned around? He was replacing a damn floor and learning how to dance, all for you?
“Joel—“ you start, trying to grab ahold of him for long enough to make him still. “There's somethin’ else,” he dips you back and your insides flutter, looking up at him with those big brown hopeful eyes. He stands you up right again and the dancing slows to a stop, right there in the middle of the dance hall. You’re sure the towns eyes are on you, your mom and dad, friends from high school, older people you’ve been around your entire life. “She wouldn’t let me leave without payin’ me for it, said dancin’ lessons don’t cost that much after all.” He reaches into his pocket and pulls out a envelope, sealed tight with a number written on the front.
“Ranch needs it a whole hell of a lot more than I do. S’just two grand, but I’ve found a few other odd jobs, so there will be more comin’, but it’s a start—“ your hand clasps over his clutching the envelope. You push his hand down, stepping forward until you're nearly standing on his own feet. “Joel Miller…are you going to stand there all night running your mouth, or are you going to kiss me?” This endearing man, this big, expressive cowboy who can’t seem to get anything right in his own eyes, but everything right in yours.
He chuckles, the hand not holding the envelope finds the side of your face, sliding his thumb along the apple of your cheek. He’s not the one to make the first move after all—after all the leading him towards it, the teasing and the showmanship. It’s you that stands up high on your tiptoes and drags him the rest of the way in, until his mouth finds yours in the lull of the dance hall, surrounded by swaying bodies and sweet music.
He sucks in a breath through his nose and his mouth opens, slots your lips between his when he finally, fucking finally gives all the way in. It’s sweet, chaste while you stand there, smack dab in the middle of the floor. Joel stuffs the envelope back into his pocket and his other hand finds your body again, yanking until you're flushed against him, digging your hands into his shoulders when his tongue licks along the seam of your mouth, begging to be let into the slick heat. What was slow and steady, soon becomes frantic, hot and needy. Your fingers tug at the buttons of his shirt and someone shoots off a whistle from across the room, enough to have you reeling apart. Joel's mouth is red, his lips swollen and shiny from your spit.
“You want to get out of here?”
Yes. Fucking hell yes you wanted to, you’ve wanted to all damn night, but with Joel standing in front of you, a strained tent in his dark jeans, it’s all you can think about. Instead of a response, you grab him by his hand and all but drag him out the back doors towards the parking lot. It's quiet, dark—the dance isn’t even close to being over so there’s next to no one in the parking lot.
You never stood a chance, looking back on this moment right here. You never would have stood a chance, with Joel’s ragged breathing behind you when he closes the door tight behind him.
One look at his wild eyes and parted lips, you should have known how this night was going to end.
Joel was desperate. He needed you, needed to touch you every second of his day. He thought about you every second he spent awake and he dreamt of you all night long. When he’d heard about the dance, he wanted to kick himself for not learning sooner. Finding the dance studio was a fluke, learning to dance was a damn nightmare and the floor wasn’t much better, but he’d do it all again for another opportunity to press you up against the brick wall with your thighs pressed apart and his hips slotted between them while he all but devoured your mouth.
He’s ruthless, relentless as he drags your bottom lip between his teeth. You—you can't keep your sounds to yourself, hiking your legs up higher around his waist when he presses in closer. He can feel himself straining through his jeans, can feel the heat of your core against his painfully hard cock. He’d take you right fucking here if you let him. “Joel—Joel,” your hips roll down to meet his uncontrollable press forward. “I know—fuck, baby, I know.” His movements are hurried and frantic, like this might be the only shot he has to get his hands on you. His mouth finds your jaw and he bites down on your flesh, relishing in the salty taste of sweat from dancing, the tang of your perfume and the sweet taste of your skin. It’s your sharp whine that gets him in motion again, his stilled teeth still hanging on to your delicate jaw. “Touch me, please—please, touch me.”
In a scurry, he drops his hand between your bodies, pushing the fabric of your dress to the side so his fingertips can work under the elastic of your panties, past the soaked material to the place he’s always longed to touch, always wondered what it would feel like.
And you are fucking drenched under his exploring digits. He slips them through your lips, your slick already dripping down his knuckles when he finds your clit and presses the pad of his thumb to it, swirling it around in a swift motion. Your head falls back and your mouth hangs open, a silent scream on your parted lips.
“There it is, huh? S’what finally gets you quiet? Just needed me to touch your pussy, didn’t you?” He groans when your thighs tremble against him, trying to tighten up around his waist where he has you pinned to the cold wall. His thumb keeps its rhythm while his fingers dip lower, making him breathless at how easily your body draws those fingers in. You come apart like you were meant to do just that, your body rapidly chasing him towards the brink. If he hadn’t gotten himself off twice today, he’s sure he’d already have cum in his pants from just this. “Yes-Yes, Joel—make me cum, please!” Your voice is wrecked.
Your eyes rolled back in your head, your chest heaving in that pretty little dress—your tits are about to bust out of the damn thing. He picks up the pace, slams his fingers into your heat and curls them while his thumb makes quick work of your clit. It’s been so long since he touched a woman, but he’ll never forget the signs.
You are dangerously, furiously close in mere minutes alone. “That’s it, pretty girl—cum on these fingers, let me feel her squeeze me.” You cry out sharply and he nearly covers your mouth with his other hand, but he doesn’t move. Instead, he revels in the pulse of your pussy on his fingers, the way you grind down against him while your body grasps for release. It comes to you with a whole body shake, a ragged gasp of his name and his tongue on your jugular.
When he pulls his hand free, it’s with a wet sound that makes his gut tighten and his knees weak. He has to get you somewhere more secluded, away from the prying eyes of the town folks. “Wunna taste you,” he growls lowly, dragging you away from the building despite the way you stumble, the lightheadedness from cuming on his fingers.
His truck is parked in the back for lack of a better spot, due to his tardiness. He’ll thank his lucky stars for it later, if he can remind himself of it. Now, he slings the door open and nearly throws you down on the bench seat. “C’mere, girl.” He’s running out of will power and common sense, the only thing driving his mind right now is sheer want, carnal desire to get his mouth all over what he’s already ruined. He’s lucky for the part of his brain that slips off his hat and sets it on the dashboard. “Lemme see that fuckin’ pussy.”
His hands find the backs of your knees and he yanks you to the edge of the seat. At this angle, he can spread you out and kneel beside the truck, let you use the door jam to rest your foot on. When your eyes find him, he thinks you’re just as far gone as he is, blinded to the world unfolding around you, to rubber hitting asphalt nearby.
“I’m going to fucking ruin you, babygirl. Only word you’ll know is my name when I’m finished with you.” He pushes your dress up with your hurried help, both of you desperately trying to rid you of your clothes as quickly as possible. The second he has your panties dangling between his finger tips, he pushes his head between your spread legs and buries himself under your dress.
The thing about Joel is, he’s always been too good at this. Half the time, it's the only reason women stick around. It must have been the only reason he got his ex wife to marry him.
He’s abandoned his shame and better judgment. He’s starved, famished for a taste of you. This man, this unhinged version of Joel eats pussy like he’s going to die without it. From the very second his mouth finds your center, he’s lost to your immodest cries, your mindless begging for him to keep going, never stop, never stop, Joel—please. He opens his mouth wide, slops his tongue through your folds like he’s trying to lick every drop from your sensitive skin. He pulls away for a breath and his eyes bounce up to meet yours, transfixed on his relentless attack. “Wunna split this little pussy open on me,” he says, muffled against your soft mound. He takes another long lap and moans at the heady taste of you on his greedy tongue.
“I’ve been practicing—I got, oh, fuck Joel, like that,” your head tips back and he pulls his mouth away completely. “You got what, baby, use your words.”
Your body clenches on nothing and his eyes track the movement with a low rumble. “Got a toy that’s as big as you so I could practice. So I'd be able to take you.”
You’d thought about this, about him. You’d thought about him while fucking yourself on a toy you’d bought to train yourself.
He doesn’t have the words to express the way it makes his chest tighten, so he presses his face between your thighs again and gets back to work, drawing out every secret you can no longer hold onto, how good he makes you feel, how hot and devastating his tongue is—how the sound of a car pulling up doesn’t even register until—
“Jackson Police department, step away from the vehicle!”
You should have known.
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