#Simple Loan Calculator

[furiouslovepolice]

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[globmart18-blog]

🚀 How to Create an Advanced Multi-Step Form: A Complete Guide 📝

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[moderncalculators]

Maximizing Financial and Health Well-being with Modern Calculators

In today's fast-paced world, modern calculators have become indispensable tools for individuals seeking to achieve financial stability and maintain optimal health. Whether you're planning your finances or managing your fitness goals, the suite of calculators available on ModernCalculators.com offers a range of solutions to help you make informed decisions.

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[toolsupdate]

Mortgage Calculator: A Tool for Making Informed Home Financing Decisions

When it comes to purchasing a home, one of the most important decisions you will make is how to finance it. With so many different types of mortgages available, it can be difficult to determine which one is right for you. That's where a mortgage calculator comes in. In this article, we will explore what a mortgage calculator is, how it works, and how you can use it to make informed decisions about your home financing. Read More

[meadowfics]

declined invite

the salesman / recruiter x gn!reader

the mysterious man pays you a visit after you do not call the card number

warnings: threats. manipulation. salesman takes a special interest to you. no gender for reader specified.

you had never been one for public transportation.

its been a rough week...rent overdue, your job barely covering expenses, and an argument with your sister kim about your financial irresponsibility.

tonight, you found yourself sitting at the edge of a subway platform, the fluorescent lights overhead flickering like they, too, were barely holding on.

a sigh left your lips as you rubbed your temples, trying to push away the headache forming behind your eyes. that’s when you sensed someone sitting down next to you.

at first, you did not mind. its the subway after all, you cannot tell anyone to move somewhere else.

however, you started to feel eyes on you.. then,

"excuse me."

you looked up, blinking in confusion at the well-dressed man sitting beside you. a sleek suit, a warm but eerily calculated smile.

he held up a briefcase, setting it on the seat beside him with an effortless grace.

"would you like to play a game?"

you frowned.

"excuse me?"

you didn't have time for salesman workers who frequent the streets to cheat on their wives at home. you've heard about those situations.

however, the man pulled out a stack of folded papers.before you could question it, he flipped them open, revealing two neat stacks of blue and red ddakji tiles.

"i'll make it simple," he said smoothly, tilting his head.

"we take turns throwing these, trying to flip the other player's tile. if you win, you get a hundred thousand won. if i win… well, you owe me your body. nothing vulgar, just a slap on the cheek."

you scoffed, shaking your head.

"i'm not interested."

"are you sure?"

the salesman’s eyes twinkled.

"it’s free money. surely, you have nothing to lose."

your arms crossed instinctively.

“i don’t play games with strangers.”

he chuckled, shuffling the tiles between his fingers before setting them down neatly.

"oh, but you do play games. just not ones you win."

your body stiffened.

"what the hell is that supposed to mean?"

"you gamble. not with money...because you don't have any...but with your chances in life. you take risks constantly, trusting people you shouldn't, spending time in places you shouldn't."

he tapped his knee, mockingly thoughtful.

"like the shady bar down the street. the one you frequent when you’re avoiding your older sister's lectures. whiskey neat, always."

your breath hitched.

"or that friend you loaned money to last year. the one who promised to pay you back but never did. how much was it? a million won?"

your heart pounded.

“who the hell are you?”

he ignored your question, his smile unwavering.

"you’re not a very lucky person, are you?"

your throat went dry.

"i don't want to play your stupid game."

he exhaled dramatically.

"what a shame."

he began packing up the tiles with deliberate slowness, but then he pulled out a sleek brown card, sliding it toward you.

"but if you ever change your mind, call this number."

you stared at it, hesitating before picking it up. embossed in the center was a symbol of three shapes.

a circle, a triangle, and a square.

no name. no details. just a number.

you swallowed thickly, then shoved the card into your pocket.

you needed to get out of here.

now.

you spent the next few days holed up at your older sister's house, avoiding anything that felt remotely like a coincidence.

you didn’t leave, didn’t touch your phone unless absolutely necessary.

kim, of course, noticed.

"y/n," she called from the kitchen, hands on her hips.

"what’s going on with you?"

you forced a laugh.

"what do you mean?"

"you’ve been acting paranoid ever since you got here. jumping at noises, locking the door twice. are you in trouble?"

"no,"

you lied, avoiding her gaze.

"i just… needed a break from everything."

kim studied you with a skeptical look, but before she could press further, her phone buzzed.

"well, i have to run some errands,"

she said, still eyeing you.

"please don’t burn the house down while i’m gone."

"yeah, yeah,"

you muttered, waving her off.

the moment the door shut, silence settled over the house.

you exhaled, rubbing your temples. maybe you were overreacting.

maybe that man was just a really creepy con artist.

then came the knock.

you stilled.

it was soft at first. then a second knock, louder.

probably a neighbor, you thought. they were always borrowing something from your sister. you rose from the couch and walked to the door, fingers curling around the knob.

the second you opened it...your blood ran cold.

the salesman.

his smile widened.

"hello again, y/n."

panic seized your chest. you moved to slam the door, but he caught it with an iron grip, slipping inside before you could react.

"whoa there," he chuckled.

"no need to be rude."

"get the hell out of my house!"

you hissed, backing away.

he took a step forward, hands slipping into his pockets.

"i was just wondering why you never called the number."

you gawked at him.

"because i don’t have a death wish?!"

his grin didn’t falter.

"you think calling the number means death?"

"yes!"

your voice rose.

"look, i don’t know what you are or who you work for, but i’m not interested in being kidnapped, sold off, or whatever the hell this is!"

he hummed, amusement glinting in his eyes.

"funny. most people say that before they change their minds."

"i won’t."

he tilted his head.

"are you sure?"

silence stretched between you. the air felt suffocating.

then, he leaned in slightly.

"you have no job. you have no savings. you owe money to people you don’t even remember. lets not get started on your sister? well…"

he smirked.

"you’re getting a little too comfortable depending on her, aren’t you?"

you swallowed hard.

"there’s a way out, y/n,"

he said, voice smooth as silk.

"no more struggling. no more scraping by. just one game. and if you win… you’ll never have to worry again."

you shook your head, but doubt wormed into your mind.

"is this prostitution?"

he shook his head no.

"its not. but y/n, you wouldn’t be here if you weren’t considering it,"

he continued.

"you wouldn't be so afraid if you didn’t believe...deep down...that this might be your only chance."

your hands trembled.

"why are you telling me all this?"

his smirk widened.

"because i need all 456 players."

your pulse thundered in your ears.

he stepped back, as if giving you space to breathe.

"think about it," he said simply, turning toward the door.

"but don't take too long. opportunities like this don’t come twice."

with that, he walked out, shutting the door behind him as if he had never been there at all.

your legs nearly gave out.

for a long time, you stood frozen, staring at the door.

slowly, shakily, you pulled out the card from your pocket, your fingers hovering over the numbers.

you inhaled sharply.

then you called.

masterlist

[immortalbumblebee]

Chapter 18: Wiping Away the Rust

Hey Vander fans...how we doin'...

Guess who's back from hiatus, Loves? I've missed you all so much.

Masterlist

Benzo stared down at the books in front of him, filled with numbers and notes about expenses, loans, pay rates. But this morning, the numbers were all meaningless to the businessman. His eyes frustratingly refused to focus on a single line of calculations. His mind discarded every number as soon as he glanced at it. Still, he sat there, at the dining table of his childhood home, absently fiddling with a simple green box. Every so often, a soft note played from the music box as he moved it too quickly. 

The item reminded him of the young girl who had repaired it all those years ago; her dorky accent, overly friendly demeanor, and habit for stalking him through the markets. 

“Working hard or hardly working?” A gravelly voice broke through the silence as Mikael’s entrance announced itself with the creak of floorboards. The strain of his wheelchair wheels against the wood signaled his approach. Mikael’s older, kinder eyes met Benzo’s tired ones, instantly recognizing that his adopted son had gotten little to no sleep.

“Pa!” Benzo exclaimed, startled by the sudden presence. “I thought you wouldn’t be awake for a while yet.” 

“Couldn’t sleep with all the excitement earlier.” Mikael sniffed, rolling himself toward the kitchen. He opened the old icebox. “Not every night you get woken in the middle of the night to hear your daughter’s been arrested for... what was it again?”

 “Almost killing an Enforcer.” Benzo replied. Mikael hummed, eyes scanning over their modest food contents. 

“Ah, right. That.” He paused. “You want any of this leftover stew?” Just as he finished speaking, a loud, wet cough racked his body.

“You shouldn’t be cooking by yourself, Dad,” Benzo reminded him, standing to help, but Mikael stubbornly waved him off.

“I’m warming up leftovers, that’s barely cooking. I’m not that useless.”  Mikael shrugged, grabbing the stew and wheeling himself over to the hot plate. With his back to Benzo, he shifted the conversation. “Any news?”

Benzo sighed, rubbing a tired hand through his short brown hair. “Nah. Not yet.”

“And the boys?”

“They went to calm the crowds.” Benzo rubbed his nose.

Mikael hummed. “Anyone seriously hurt?”

Benzo shook his head. “A couple of scrapes and bruises. Just a lot of scared people hellbent on storming the bridge.”

Mikael’s cough interrupted the moment. “Can’t say I’m surprised. Why aren’t you with them?”

Benzo stared at the music box in his hands, and the toothy grin of the young girl flashed in his mind again. “Someone has to be here when she gets back.”

Mikael’s old, knowing eyes watched his adopted son silently, before emitting a simple ‘hmph’. 

The silence stretched between them until the door creaked open. You walked in, worn down, clearly sleep-deprived since before the fight. Your hair was a mess, dark circles under your eyes, and a bruised, possibly broken nose. Benzo didn’t waste a second. He slammed the music box on the table and rushed forward, enveloping you in his stocky arms. You stumbled slightly from the force of the hug, but quickly found your place in his embrace.

“You look like shit right now.” He mumbled into your shoulder as he clung into the embrace.

You snorted in laughter, wincing in pain at the motion. “As opposed to you, who always looks like shit.” 

Behind you, your mother walked in, still in her coat and sleeping garments, followed by a tired-looking Niya. As you parted from Benzo, he turned his attention to the young journalist and you made your way over to Mikael.

“Thank you, pet,” he said earnestly. “Seriously.”

Niya ran a hand through her coral-colored hair and sighed. “Anytime... though I’ll say, I’m not sure how much leverage I have if this keeps up. A full riot squad for one arrest? What the hell, Benz?”

“That’s what I’ve been sayin’ this whole time, girly! Happens when y’go about makin’ trouble for y’eself,” your mother chimed in, clearly unimpressed. She threw her coat onto a nearby chair. “What were you thinkin’, Minerva? Killin’ a copper?” 

You, still clinging to Mikael, leaned down to wrap your arms around him. His hand, thin and shaky, gently pet your hair. “I didn’t kill him, Mom,” you sighed, pulling away from the embrace. “He got too close during a trader job, so I stabbed him and knocked him out. Basic protocol, I just... got a little sloppy.”

“How’d they pin you?” Benzo asked, eyebrow raised..

“My damn bandana,” you groaned. “Left it with the body to stop him from bleeding out, like an idiot.”

Mikael, finally speaking up, let out a wheezy laugh. “Yeah Min, next time just leave the topsider for dead.” 

“That’s not funny, Mik!” Your mother exclaimed, voice shrill. 

“Wasn’t joking,” Mikael mumbled, clearly too soft for your mom to hear.

Benzo, sighing, turned back to Niya and pulled out his coin purse, handing over a handful of coins. “For the trouble.” But Niya just shook her head, smiling slightly.

“Keep your money.” She jabbed a painted nail into his chest. “You definitely owe me dinner, though. Somewhere nice.”

Benzo smiled back. “You got it, Pet.” With a wink and a perky smile, she wished you and your mother goodnight before leaving. Benzo shut the thick wooden door behind her, then turned back to face you. You were still with Mikael, your hand resting on his shoulder as his covered yours. He spoke softly to you, his gaze sweeping over your injuries, but the words were too quiet to overhear. Finally, you met Benzo’s eyes.

“Where’s Vander and Silco?”

“Out, they should be back soon.” He explains, then motions to your injuries. “Need help with those?”

You nodded, grateful, and made your way to the table as Benzo grabbed a first aid kit. “That, and a stiff drink. Immediately,” you muttered, and your brother was happy to oblige. Your mother kissed your forehead before heading back upstairs, giving you one last, strict talking-to before retreating to her room. Mikael stayed behind, finishing his stew as he chatted with you and Benzo while he patched you up. The worst of your injuries was your nose, already crooked and now more bent than ever, the skin torn open. Another scar to add to the collection.

Benzo was just finishing with the plaster on your nose when the door suddenly burst open. Vander and Silco stumbled inside, panting heavily.

“Minnie!” Vander exclaimed, rushing over to you and pulling you into a crushing hug. You flinched, feeling the pain in your bones, but melted into his warmth. His scent overwhelmed you, and you finally allowed yourself to relax. Amongst all of this, the panic and the uncertainty, you hadn’t even considered crying, too worried about putting on a brave face. But there, in his arms, you were surprised to feel tears gathering at the corners of your eyes. You buried your face in his chest, pressing your nails into his jacket as you clung to him.

“Are you okay?” Silco’s voice cut through the moment, and you felt his familiar bony hand gently on your back.

You nodded, unwilling to let go of Vander. “A little banged up, but I’ll recover.”

Benzo spoke up. “Looks to me like Sevika did more to her than Grayson did.”

Vander pulled back, bending down to meet your eye level, hands cupping your face as he looked you over. You held his hands, brushing your thumb over his knuckles, trying to blink back the tears that were still threatening to fall. His expression was full of worry—creased brow, cloudy eyes tracing over every inch of you. You squeezed his hands gently.

Vander shook his head, scowling. “Next time I see one of those Goddamned bucket-heads…”

“I’m fine, really,” you reassured him, trying to pull yourself together. “They barely laid a hand on me. Just locked me up and tried to interrogate me.”

“What did you tell them?” Silco asked, his brow furrowed.

You shook your head. “You think I’m that easy to crack? They don’t know shit.”

“Well, clearly they know something, if they’re willing to make that big of a spectacle over one arrest,” Silco motions, and you rehash the bandana situation.

Mikael sighs, shaking his head as he spoons another bite of soup. “Not your brightest moment, Sweetheart.”

You throw your hands in the air. “How was I supposed to know they’d be able to tie a damned bit of fabric back to me?”

“Clearly, they’re getting smarter.” Silco nodded, tightening his ponytail. “They even knew to tie your hands up so you couldn’t use your magic.”

“Speaking of which,” Benzo cut back in front of you, holding out a hand towards yours, “your wrists looked pretty gnarled up there, hand ‘em here.” 

Vander seems stubborn to not let go of you, but after looking to see the damage that the restraints had done to your wrists, he relented. He took your hands gently, pressing a kiss to each wrist. Benzo rolled his eyes. “Yes, I know, you love each other very much. Now let’s make sure she doesn’t get infected!”

Vander moved aside, sliding in behind you and placing a protective hand on your back. “Well, we were right about them knowing about the fighting ring.” You huff, flinching as Benzo begins applying vodka to your bloodied wrists.

Benzo nods, eyes focused on the first aid care. “Probably best to shut things down, right? At least till things blow over?”

“What?” Vander cried, appalled by the suggestion. “No way! It’s our best source of money, and we need it now more than ever.”

“Not to mention the emotional factor.” Silco hums, clearly pondering. “In my experience, if you take away people’s emotional release, they get…antsy.”

You shake your head. “No way, it’s way too dangerous! If they know where to monitor people, our schedules, what’s stopping what happened tonight, happening again?” 

“...Nope, I don’t like it.” Silco snarls, his voice hardening. “Feels too much like letting them win. Why should we bend down to them, let them change our way of life?” He looks to Vander for support.

“Exactly!” Vander says, pointing to Silco. “Fights stay open, we’ll just…increase security, or something!” 

You and Benzo exchange a glance, but decide to let the topic pass. They were the bosses, after all.

"So, what’s the plan then?" You ask, trying to shift the focus. “I can’t imagine people are happy right now, what did you tell ‘em?”

Silco sighs, leaning against a nearby wall, his hands casually slipping into his pockets. “Primarily just to go home for the night and lock their doors. But you’re right. People are out for blood.”

“As they should be!” Vander exclaims, making you flinch at the volume. “You ask me, if people are itching to cross that bridge, I say why not let them?”

"As I’ve already said, that’s idiotic," Silco mutters, pulling out a small notebook from his blazer pocket. "Even with every firearm and able body we have, we’ll still be outgunned by an army of Enforcers. But if we ramp up covert ops, implement more spy channels..."

“Takes too long!” Vander scoffs. “Any Zaunite is worth ten of them. We could win!”

"If we're not smart about it, we’ll lose. And I’m not risking that kind of humiliation." Silco’s tone is sharp, his resolve clear.

"People are looking to us, Silco!" Vander counters, his frustration growing. "What are we supposed to do, just sit back and do nothing? They came onto our turf and made it personal, so why not even the score?"

A heavy silence fills the room, thick with tension. Silco and Vander stand opposite each other, seething with unspoken anger. You and Benzo watch, heads shifting from Vander to Silco and back again. You can feel Vander’s hand on your back tensing, itching to ball into a fist, and Silco’s jaw tightening. Then, Mikael speaks up.

“Well, one thing is for sure,” he says as he turns to put his bowl in the sink. "None of you can do anything before you present yourselves as a united front. If people are looking to you, they need to know they’re being led by a capable team—one that knows what they’re doing. Not a bunch of stubborn teenagers running out to get people killed at the first call for violence."

“Pa-”

“Yes, I know. This is your rebellion, and I’m just a broken old man, what do I know?” Mikael begins to roll his wheelchair around you all and towards the door. "But you need to think about the real implications of your actions. Say this goes well, and your ‘Zaun’ becomes a reality. What kind of nation do you want to run? What kind of leaders do you want to be? If these people are willing to follow you into battle, it seems to me like you should be prepared and have a solid plan of attack."

Before exiting, he turns, looking at each of you over his shoulder. "Goodnight, my children.” And then he’s gone, leaving a heavy silence in his wake.

After a long moment, Silco and Vander finally meet each other's gaze again.

"Spread the word to lay low until we come up with something?" Silco asks, his voice quieter, more contemplative.

"Get your spies together and work out potential battlefield strategies?" Vander adds, and Silco nods in agreement.

"Sounds like a plan. Benzo, would you mind seeing what you can do about additional firearm shipments?"

“I’ll get right on it.” Benzo nods, finishing placing bandages around your wrists. 

"Min, any knowledge from that big fancy factory you’re working at could come in real handy right about now," Vander adds, and you nod, testing your wrist movements carefully.

“If I’ve still got that job after tonight, you’ve got it.” You nod, giving a small smile. “And I’ll look into upgrading whatever weapons we’ve got on hand. What do we do about patrols?”

“Double people up whenever they’re out late. Nobody should be doing patrols alone right now.” Silco nods, putting his notebook back into his pocket.

“You’ve got it.”

Benzo tidies up the first aid supplies, before rubbing his face in exhaustion. “I’ll be honest, boys. Benzo begins tidying up the first aid supplies, rubbing his face in exhaustion. "I’ll be honest, boys, I’m not making it home without passing out on the street. Think I’ll sleep here for whatever is left of tonight.”

“Not the worst idea you’ve had," Silco sighs, blinking hard. The dark bags under his eyes are more pronounced than usual, his appearance showing signs of wear. "I’ll take the couch if you’re okay with taking our old room.”

“I am in desperate need of a shower.” You hop off the table, gesturing to the fact that you were still clothed in nothing but your fighting gear. “I’m heading home. See you guys in the morning?”

Vander takes off his jacket, draping it over your shoulders. It’s large enough to probably fit two of you. "I’ll go with you. Like Silco said, nobody should be out alone at night." 

“Oh yeah, that’s the only reason.” Benzo chuckles, heading towards the stairs. “You guys get home safe. How abouts we all meet at the pub tomorrow after work?”

“Sounds amazing.” You agree. “Sleep well, guys.”

“You too.” Silco nods. “And Min?”

“Yeah?”

“...We’re happy you’re okay.”

A smile breaks out on your tired face as Silco opens his arms towards you. You happily accept the hug, sliding your arms around his slender frame and giving him a good squeeze.

“Thanks, brother.”

[girlboypersonthingy]

Can you write something platonic about alastor, like tiny things he might do around people that are his way of showing care around the hotel and people around him?

Yessss I love this creepy king!!! I know he has a soft spot somewhere in him, he’s just a weirdo. Thanks for requesting! And enjoy~ ❤️

Platonic Alastor Headcanons ❣️

If he likes you, he’ll talk to you quite often. He’ll even make jokes at your expense, might even go as far as to bully you or tease you about things he knows will get a reaction out of you.

But don’t get it twisted, if Alastor didn’t like you, he would either straight up ignore that you even exist or straight up threaten you and do his best to scare you off. So the fact that he even talks to you, regardless of the passive aggressive comments, is a good sign.

Taps his mic cane on the head of those he likes. Doesn’t really like physical touch but will occasionally touch you and others at the hotel, mostly with his cane but sometimes with his big claws.

If he really cares for you, Alastor will offer to share things with you. For example, he’ll invite you into his radio tower for a behind the scenes tour, he’ll offer you some of whatever is on his plate if you accidentally interrupt his dinner (even if it’s disgusting, it’s the thought that counts right?)

Won’t hesitate to destroy someone for trying to mess with you, anyone at the hotel or the hotel itself…as we saw when he slaughtered all those loan sharks for Mimzie.

He can be very frightening when he wants to be or needs to be, he never backs down from a fight.

Although, when Alastor has a soft spot for you, he will check in with you after he goes all scary crazy on someone.

Bro be like 😈👹 *radio static and screeching* and then immediately turn his attention to you like 😇 ‘oh you saw that? My bad.’

“Oh darling! I sincerely apologize for letting you see me that way. But! As your hotelier and also the radio demon, I must step up when someone tries to mess with us. You feeling alright? Yes? Good! Off you go then.”

He’s an extremely smart and carefully calculated man so really, any show of affection, care, consideration, concern should not be taken lightly.

Will also pull those typical, polite gestures like holding a door open for someone, offering his seat up when there’s no other open seats, magically summoning an umbrella for his company while on a walk in the rain, ect.

Again, as simple as that may seem, if this guy doesn’t like you he’s gonna do the exact opposite. Slamming doors in your face, lowkey trying to trip you as you walk past him, ect.

If he happens to catch you crying all alone, he won’t leave you be until you’re feeling better and your tears have stopped. Think when he went to comfort and encourage Charlie when she was crying in bed.

He will stay beside you, either aggressive praising you and trying to up your mood with encouragement or he will be cracking lame jokes or even offering to go kill whoever made you upset.

Is actually very easy to tell if the radio demon likes you or not. Alastor lets his feelings show through his actions.

As long as Alastor isn’t threatening you, ignoring you or trying to scare the shit out of you, then he likes you :)

[nagiseishirro]

— "Reo Nagi".

a reonagi fan fiction, if you couldn't tell, where nagi tries to buy a ring for reo.

pairings: mikage reo with nagi seishiro.

warnings: 1.1K word count, fluff, intended lower case, slight mention of reo in a wedding dress (nagi's thoughts), reonagi are alumni, proposal. it's fluff trust me :x

"bolded dialogue" = nagi's dialogue.

'what a hassle...' nagi thinks, but refuses to say aloud. because for reo, nothing is a hassle. because being with reo, isn't a hassle. because reo, is the furthest thing away from a hassle.

but everything else? nagi sighs internally—because it's a hassle to physically breathe harder. who knew buying a ring would be so difficult? should it be silver, or gold? plain, or fancy? cheap, expensive? matching or individual? the same shade as his skin or contrasting, elegant or simple, smooth or bumpy, with gems or withou—

"mister nagi?" he was harshly pulled out of his train of thoughts, but honestly, he couldn't be happier by it. thinking was too much of a hassle, he'd never had more than just video games or reo on his mind.

"mm?" nagi hums in response, the most efficient form of a reply. he needed to save energy to think. "have you made your choice?"

nagi sighs, mumbling out a soft "no..." to only receive a slightly impatient look on his attendant's face—nagi had been here for at least an hour. ...or three.

"this girl must be really important to you, for you to be slumping at the table for three hours straight? i bet a dime she's spending another three hours looking for wedding dresses on her part."

nagi almost choked. he'd completely forgot the people here were unaware he was dating a male, and a very attractive one at that. ...then again...

he stuffed his hands further into his pocket as if on cue, softly nestling the bottom half of his face into the collars of his hoodie in an attempt to hide the subtle flushes of red dusting his cheeks. "...yeah." nagi replied, pictures of his dear reo in a big puffy white dress brewing fresh in his brain. 'i've enough allowance for that.' nagi notes mentally for the first time ever.

he was pulled back into his train of thoughts, calculating the best fitting ring for reo through the process of elimination: silver, because reo has all the gold he could ever want. plain, because fancy is a daily occurrence in reo's life. cheapER, nagi needs money to buy that dress. matching, to remind reo that they're bound together. contrasting his skin shade, the world has to know he's taken. simple, this one's easy. and finally, smooth because one thing has to be straight.

nagi lifted a finger to point at two adjacent rings near the left of the glass box—one's a shining silver, simple, smooth, plain. and the other, the exact same. the best part? he didn't need to call reo for a loan.

"finally decided, i see?" the man looked like he could finally breathe, hands scrambling to collect the two solitaires.

the rings were tucked into a tiny white box each, both in the shape of a heart. nagi stuffed them into his pocket, "put them on my tab", and ran out.

83 messages from reo🤍💜.

there was a slight crinkle in the the corner of nagi's eyes—in the language of reading nagi, it's considered a smile.

—

nagi tapped his foot and fiddled with the rounded piece of alloy in his hoodie pocket, a little too much for his liking. it was draining his energy, and he needed that energy to down one knee for reo. he didnt like that he couldn't calm his veins.

"Seishiro!", was the voice that had nagi's head shooting up and forwards, to have him actually feel excitement in something. anything.

"reo!" nagi nudged forward just by the slightest centimetre. oops, he let his excitement slip. he gently dragged his thumb over what felt like a rough outline of a diamond in the rough.

"did you need something, sei?" reo flashed, curving his inner arm down to his abdomen and taking a playful bow. "i'm at your service, my treasure!"

'not that again...' nagi stuffed his face back into his collar, covering up the pink that lined his cheeks—but not the hue on his ears.

"....reo..." he mumbled. what was he so afraid of? "...i— wait, no. start over. ...um, reo... let's... let's—no, wait. again. i want reo to—wait, no, that doesn't sound right. reo, reo. reo reo reo reo...."

it was like watching nagi rehearse his lines in front of a mirror, taking the very big hassle of trying to perfect his tone when calling out reo's name. ...something he really, really, really should've done before asking to meet up.

"...sei...shiro..? are—"

"no, stop, don't say anything. ...um, yet. i need to think." nagi rambled on for about half a minute or so, incomprehensible string of syllables spewing out from his mouth faster than his fingers could tap on his phone. actually, maybe not as fast, but you get the point.

eventually, he ended up crashing down on the floor; on purpose. reo could've sworn his heart nearly hurled out his throat, but in all reality, it stopped beating for a second when his purple orbs landed on a silver, circular band mounting a perfectly cut diamond.

"...m— ....marry... me... ....reo."

nagi's head was tilted down, looking at the tread of the guy he had just proposed to's shoe. nagi was hardly interested in the pattern at all, but he really didn't want to look reo in the eye. ...then again, reo loves nagi. reo wouldn't reject him, right?

...

slowly, he tilted his head up, only to be met wide-eyed with a salty, familiarly warm feeling falling moist onto his cheek. nagi quickly stood up.

"re— reo..! wait, 'm sorry! if you don't want to it's totally fine with me, i didn't mean to— ommf...–"

the pressing warmth against his lips felt like drug to his senses. he'd been apart from it far too long. he wasn't even aware he'd missed this feeling so dang much.

reo slipped his hand into nagi's, gaps twining perfectly as his ring finger eased right into the ring nagi bought—it was the perfect size. reo was crying a little, but who wouldn't?

reo pulled away, the heat leaving both their lips had nagi in a small pout. "on one condition."

nagi's eyes widened, partly because he didn't think reo would actually accept, and also partly because he didn't think reo would agree on a condition—he thought he'd do it unconditionally! whatever, the moment's too good to think.

"i have to take your last name."

"mm." though, it did surprise nagi quite a bit. "...not quite how i envisioned it. i imagined that i'd be taking your name. Mikage Seishiro sounds nice."

"yeah, but Reo Nagi sounds better, right, my treasure?"

it really did.

"...okay, then... deal." this was the most energy he'd had ever poured into a nod. something tells reo that, the white haired genius would've accepted his offer anyway. and something tells the seishiro, that, reo would've accepted his proposal unconditionally.

┈

"...also, can you wear this at the wedding?" seishiro hands a bag to reo—a bag with puffy, white laces of a dress sticking out the top.

[collapsedsquid]

In its simplest and most elemental form, check kiting is the simple practice of stealing money or valuable goods by paying for them with a check that you know (or ought to know) will be rejected because there aren’t sufficient funds in the bank account to honor it. In this form it is known to the specialists as “paper hanging,” and it’s often a crime of desperation or one carried out with stolen checkbooks rather than a calculated commercial decision—there are obvious disadvantages to a method of stealing that requires you to give the victim your name and address. It is possible to make paper hanging into both a systematic fraud and a lifestyle, as Frank Abagnale did (and wrote about in his autobiography, Catch Me If You Can, later made into a movie starring Leonardo DiCaprio). Abagnale got over the main drawback by adopting a nomadic lifestyle and impersonating an airline pilot, something that also allowed him to travel for free, to date flight attendants during the high period of Pan Am recruitment sexism, and to have a plausible excuse for needing to cash checks all the time and not having a permanent local address. But as a commercial fraud carried out by businesspeople, check kiting is a little bit more sophisticated and takes advantage of a peculiarity of the American banking system. [...] The important technical detail here is that because paper checks are particularly common in America, and because the check-clearing cycle is so long, American banks have—unusually in a global context—historically been very generous when it comes to allowing their business customers to make payments out of “uncleared funds,” that is to say checks that have been deposited into their account but that have not yet been endorsed by the bank that they are drawn on. Effectively, when you deposit a check, you get access to a short-term interest-free loan, lasting for the duration of the check-clearing cycle. This raises the possibility of a form of fraud that is the equivalent of NFL football and pumpkin pie—something that Europeans would no doubt enjoy greatly if they tried it, but that is so deeply embedded into the overall American way of doing things that it doesn’t really travel.

What you do (in the simplest form) is that you open accounts in two banks. Call them Bank A (from which you get a checkbook with pictures of trees in it) and Bank B (which gives you a checkbook full of pictures of sports cars). Pretend for the time being that you put a token hundred bucks into each account. But now you write a check for $500,000 from your “trees” checkbook and deposit it in your Bank B account. That check is going to bounce, for certain. Except… it will only bounce when the check gets presented, and in the meantime, thinking that you have $500,000 in the bank, Bank B will not mind if you write a sports-car check and deposit it in Bank A. If Bank A sees the sports-car check, they will not mind honoring the trees check for the time being, while they are waiting for the sports-car check to clear. If they honor that check, then you can write another check to Bank B, and so on…

Of course, this looks like a bit of a closed system—you can make the checks going back and forth look as big as you like, but if you ever take the money out in cash or spend it on something, the checks will actually bounce and turn you into just another paper hanger. But creating the illusion of having two bank accounts with half a million dollars in each can be profitable in itself because as well as allowing customers to make payments out of uncleared funds, American banks used to be quite generous about paying interest on deposits as soon as they were made. In the heyday of check kiting in the early 1980s when interest rates were in the midteens and bank computer systems in their infancy, you could have earned quite a lot out of the simple kiting scheme described above, unless someone happened to notice. And although even a dull bank clerk might spot a kite based on two banks and checks going back and forth every few days, if you bring more banks into the scheme (“chaining”) and intermingle the kite with the ordinary back-and-forth cash flow of a large operating business, it becomes very difficult to detect.

Interest rates are back baby, guess it is time to bring back kiting

[bitchesgetriches]

Kill Your Debt Faster With the Death by a Thousand Cuts Technique

If you’ve got credit card debt, the interest is calculated on the “average daily balance.” So it’s beneficial to lower that balance as quickly as possible. And you can only lower the balance by making a payment… or payments.

The sooner you send a dollar to that debt, the less interest you’ll end up paying! It’s that simple!

Even if you can only afford the minimum required payment every month, splitting it into two payments helps. That can drastically reduce the average daily balance, and thus, the interest you have to pay. So making half of your monthly payment on the 15th of the month and the other half on the 30th (don’t @ me, February) can effectively save you money on interest. This goes for credit card debt as well as home mortgages and car loans.

Keep reading.

Did we just help you out? Join our Patreon!

[lostlegendaerie]

Fuck it! US Private Student Loans Guide!

DISCLAIMER: while I have worked in private loans specifically for five+ years, this isn't ‘financial’ advice and is just a heavily summarized guide on how to navigate them. Yes, these loans suck, but complain to your legislators not me. I’m just trying to help you know what you’re doing. Additional info for each section is under the cut!

1) Who are you and who are all the companies constantly running around with my money?

I work in loan SERVICING, which is basically the billing department. If you’ve got a new company asking you for money, it's probably a new servicer and your debt is still owned by the bank. We enforce the terms in the promissory note, the document you sign telling the bank “yeah I'll play by your rules if you give me the money.” If your loan defaults, you’ll get contacted by a third (fourth?) party, but how that works is beyond my wheelhouse. The bank or your servicer should be able to confirm what happens in case of default.

2) What am I looking for in a ‘good’ loan?

Generally, you’re going to want SIMPLE instead of compound interest, a FIXED RATE opposed to a variable one, and you’ll want to go for FULL DEFERMENT while in school and make manual payments when you can. Also ask up front about stuff like if disability forgiveness or co-signer release (getting your parents off it) is offered.

3) This loan sucks! How do I make it better?

Student loans are NOTORIOUSLY hard to get out of, unfortunately. If the interest rate/payment relief options suck, you can try to REFINANCE where you take out a new loan to pay off the old one. This gives you a new promissory note, interest rate, and terms/conditions. If you’re trying to erase the debt entirely, ask for the promissory note (if they can't provide a copy, we have to forgive the debt. I've only seen this happen ONCE.) or try to go through social security disability.

DO NOT USE FREEDOM DEBT RELIEF OR OTHER SERVICES. DO NOT. THEY ARE SCAMS.

More in depth information for each point!

1) Lenders and Servicers

The lender is the person who provides the funds in the debt - the bank who pays the school or the hospital or the home contractor fixing your sink. The servicer is the company that is your point of contact when you need to make payments, ask for payment relief, or otherwise manage the loan that exists. Think of us as the mechanic (we keep the car running) where the bank is the manufacturer (they make the car). Some different servicers are SoFi, Zuntafi, Great Lakes, Nelnet and Firstmark Services; their names will be on the billing statements. Some different banks are Citizens, US Bank, NorthStar; their names will be on the promissory note and the disclosures.

Sometimes banks do sell the debt, however! A couple years ago Wells Fargo sold an enormous chunk of their loans off somewhere (an investment group, maybe?) but! The promissory note will still be the EXACT same if your debt gets sold. You’ll only get a new promissory note if you refinance the loan yourself.

2a) Interest Accrual and Rates

Interest is how banks profit off the loans they give out and/or ‘ensure they don't end up with a loss if the loan defaults’. (It's profit.) Most, but not all, loans calculate interest with the simple daily interest formula, shown below:

[(Current loan balance) x (interest rate)] divided by 365

If your loan’s balance is $10,000 and your interest rate is 6% you’ll be charged $1.64 each day. SIMPLE INTEREST means that this interest just kind of floats around on the account until a payment comes in and pays it off, where COMPOUND adds that interest to the balance at the end of the month/day/whatever. Compound charges you more over the life of the loan.

FIXED INTEREST is a set percent that doesn't change, where VARIABLE will change usually based on whatever the economy is doing. There’s a minimum and maximum value to the variable interest rates, so if you’re doing a variable ASK WHAT THE MINS AND MAXES ARE. A fixed rate might be 8% and a variable might be 3.25% the day you take it out, but that variable could have a maximum interest rate of 25% so be VERY, VERY CAREFUL. If you get stuck in a real bad variable interest rate, your best solution is probably a refinance.

2b) Deferment and Payment Allocation

So interest is gonna be accruing on your loan from the day the money leaves the bank. Sucks. And you may not be able to make payments while you're in school, so opting to DEFER your payments will stop them from billing you so you can skip a month or whatever without penalty. At the END of that deferment, though, whatever interest that accrued will be added to your current balance. If we use the example from above (10k loan with 1.64 daily interest) four years of school will add $2,400 to your balance and then your daily interest will jump up to $2.03 a day.

Solution? Make payments of what you can while you’re in school to chip away at that floating interest. Usually when you make a payment, it’s gonna go towards the interest first and then the rest drops the balance. (E.g. if you make a $20.00 payment ten days after your loan is disbursed, $16.40 will go towards interest and $3.60 towards your 10k balance). There is NO PENALTY for making extra payments or making early payments, but it might make your bills look a little weird if you’re being billed each month for just the interest.

3) Why are these loans so horrible? Can’t I find anything to help me?

Blame Reagan and the republicans who enabled him.

No, but really. The problem with these loans is that those promissory notes are VERY legally binding and have lots of fine print in there designed to make it as hard as possible for someone to skimp out on their debt without having their credit score decimated. Some lenders might even dip into your paychecks if you're crazy behind or default; again, that's not my wheelhouse and I've only maybe seen that once. Your best bet is just to pay it off as fast as possible (again, no penalty for paying the loan off early) or refinance into better terms.

And I get it. I really do. I hate how we’ve made so many incredibly important things in our society locked behind a paywall that charges poor people more to climb than the rich. But if you’ve made it this far, please don't turn your anger at me for not giving you the answers you want. The best I can do is vote for people who are willing to crack down on predatory lending, keep fighting for student loan forgiveness… and at my own job, make sure that my coworkers aren't making mistakes.

If you have a more specific question, I can try to answer as best I can without breaking any information privacy laws. And take care, okay? You are never fighting alone.

[steviewashere]

Happy Doing Taxes With You

Rating: General CW: None apply! Tags: Established Relationship, Married Steve Harrington/Eddie Munson, Domestic Fluff, Tooth-rotting Fluff, Dialogue Light, Doing Mundane Things With One Another

For the @steddielovemonth prompt: "Love is being able to exist together comfortably, sitting side by side and doing your own thing."

💕—————💕

Sundays were for work and complete and utter silence in their house. Now, it wasn’t for big errands like going to the bank or out grocery shopping or any of that nonsense. It was the small things. Things that could be completed over time, if necessary, but were still manageable enough that they could be done in a day or so. This was the day for house chores: laundry, mopping, vacuuming, meal prep. It was a day for: returning their DVD rentals, getting a quick tire pressure check, going through the car wash. It was another simple day of: sit in silence and bask in each other’s easy glow.

During tax season, though, Sundays were for paperwork. Checkbook balancing, getting their receipts in order, finalizing the songwriting (in Eddie’s case), editing that week’s lesson plan (in Steve’s).

This particular Sunday morning, the tax season of 2012, it was for genuine tax paperwork. Collecting W-2s and miscellaneous necessary purchases, the student loan payment on Steve’s part, a car loan for Eddie. It was a coffee and bagels kind of morning. It was a sit at the dining table and let Poncho snooze peacefully on the couch, curled up in a ball, purring away the rays of sunlight beaming on him. A morning in which Steve didn’t contemplate dying his hair to cover up the white streaks or notice how dirty his everyday glasses were, where instead he sat on Eddie’s right, eighth grade exams laid out in front of him, a red pen in hand to mark off errors. One where Eddie has the tax documents, the Casio calculator the size of a small paperback book, his hair tied up (the white dispersed and gentle), his eyebrows furrowed in concentration, his tongue tucked into his bottom lip, leaning back with his reading glasses perched low on his nose, and doing all the math for the both of them.

Steve enjoyed this kind of work. The warmth in it all. Their blinds half open. The dust of their space floating through the air in a gentle gust. Pens making soft taps against the dining table as it made strokes on their respective papers.

He loved sipping noisily on his coffee every once in a while, which earned a small snort from Eddie. Loved letting his eyes drift for a moment, basking in Eddie’s careful left hand marking beautifully all the big numbers that Steve fucking hated. Even loved looking at the same test questions for hours on end, if it all meant soaking up the soft heat of Eddie’s body next to his.

Eventually, though, they both hit a wall. Eddie, because he needs a moment to stand on their back porch and look out at the backyard, as the butterflies settled on the flower garden Steve started, taking in the crisp March breeze, maybe smoking a cigarette if he felt inclined to do so—just away from the numbers that began to bleed together. Steve, well all those years twirling bats and wringing things around with his hands finally caught up to him, a bad case of carpal tunnel syndrome in both wrists—and also, for the same reason, the words bled together. (There’s so much English literature that he can consume. And he’s had to read fifteen summaries on The Outsiders.)

So, they take their warm, room temp coffees. A fresh onion bagel from the toaster, smothered in cream cheese and some slightly bitter beet jam (Steve’s own specialty, he’d raised the beets like children). And they go stand outside next to each other.

Elbows on the fencing of their wraparound porch. Faces pointed towards the calmly stirring grass. Slurping noisily, again Eddie snorts, and again, Steve can’t contain his smile. Their bagels go quick. Crumbs littering the porch’s wood. Cream cheese lightly stuck to the corners of their mouths, tongues darting out like party noisemakers.

Eddie takes Steve’s left hand and squeezes. The wedding band on Steve’s finger clinking against Eddie’s old, well loved mood ring that can only show one color:

Pink.

Steve squeezes back with passion. Knowing that, in about fifteen or twenty or forty minutes, they’ll go back inside and sit back down at the dining table, noses to their paperwork, ruminating on numbers and words. Steve’ll run out of papers to grade, he’ll rub a palm down Eddie’s back, stirring him gently. He’ll kiss Eddie’s cheek, his rough stubble itching at Steve’s chapstick softened lips. They’ll discuss: “Tilapia and couscous? Or should we celebrate being done with our work?” Steve knows he won’t be frying up fish. “Pizza and beer and Golden Girls?” Eddie will ask.

He won’t be able to say no, Steve knows that. He finds it easier to comply with Eddie. To go along with it. After all, doing taxes and house work and discussing dinners, four years wedded but married since 1995—being together since 1986—Steve knows his life is nothing but flat plains and lavender. No more monsters. No more bloodshed. Just simple things.

Like leaning into Eddie’s side, their hands still joined, coffee cups empty, breath mingling as cream cheese and onion bagels. Looking out on their backyard. Standing on the wraparound porch that Eddie promised. In the glow of midday sunlight and one another.

“Love you,” Steve whispers, voice hesitant to break the quiet.

“I love you, too,” Eddie promises just as soft.

💕—————💕 I realized the other day that like all of my steddielovemonth works can be read in such a way that you follow Steve and Eddie from before they got together to when they got married. So, I guess this kind of a married Steve and Eddie AU now, too.

[moderncalculators]

Simple Interest Loan Payment Calculator – Simple Interest Only Loan Calculator

If you're considering taking out a loan, it's important to understand the basics of simple interest loans and how to calculate your payments. One of the most useful tools for doing so is a simple interest loan payment calculator. Additionally, if you're considering a simple interest only loan, a simple interest only loan calculator can help you determine your payments and the total amount you'll pay over the life of the loan.

In this article, we'll take a closer look at what simple interest loans are, how to use simple interest loan payment calculators and simple interest only loan calculators, and some important things to consider before taking out a loan.

What is a Simple Interest Loan?

A simple interest loan is a type of loan in which interest is calculated only on the principal amount borrowed, and not on any accumulated interest. This means that your interest charges will be lower over time, as your balance decreases.

For example, let's say you borrow $10,000 at a simple annual interest rate of 5%. If you pay off the loan in one year, you'll owe $10,500 - $10,000 for the principal, plus $500 in interest. However, if you pay off the loan over a longer period of time, your interest charges will be lower, as you'll be paying down the principal over time.

Simple interest loans are commonly used for car loans, personal loans, and other types of consumer loans.

What is a Simple Interest Loan Payment Calculator?

A simple interest loan payment calculator is a tool that helps you calculate your monthly loan payments based on the loan amount, interest rate, and loan term. Simply enter these variables into the calculator, and it will provide you with an estimate of your monthly payment.

To use a simple interest loan payment calculator, follow these steps:

Enter the loan amount. This is the total amount you plan to borrow.

Enter the interest rate. This is the annual interest rate you will be charged on the loan.

Enter the loan term. This is the length of time you will have to repay the loan.

Click "Calculate" to see your estimated monthly payment.

Simple interest loan payment calculators are widely available online, and many banks and financial institutions offer them on their websites. They are typically easy to use and can help you estimate your monthly payments and total interest charges over the life of the loan.

What is a Simple Interest Only Loan?

A simple interest only loan is a type of loan in which the borrower pays only the interest charges for a certain period of time, typically the first few years of the loan. After this period, the borrower begins paying down the principal balance of the loan as well.

Simple interest only loans can be appealing to borrowers who want to keep their monthly payments low during the initial years of the loan. However, it's important to note that interest only loans can be riskier than other types of loans, as the borrower is not paying down the principal balance and may face higher payments in the future.

What is a Simple Interest Only Loan Calculator?

A simple interest only loan calculator is a tool that helps you estimate your monthly payments and total interest charges for a simple interest only loan. To use a simple interest only loan calculator, follow these steps:

Enter the loan amount. This is the total amount you plan to borrow.

Enter the interest rate. This is the annual interest rate you will be charged on the loan.

Enter the interest-only period. This is the length of time during which you will only be required to pay the interest charges.

Enter the loan term. This is the total length of time you will have to repay the loan.

Click "Calculate" to see your estimated monthly payment and total interest charges.

Conclusion

When it comes to taking out a loan, it's important to have all the information you need to make an informed decision. Using loan calculators can help you estimate your monthly payments, the total interest paid, and how long it will take to pay off your loan.

The Simple Interest Loan Payment Calculator and the Simple Interest Only Loan Calculator are both valuable tools for borrowers. The former helps borrowers estimate their monthly payments and the total interest paid on a simple interest loan, while the latter is helpful for borrowers who are considering a simple interest only loan.

Using these calculators can help borrowers make a more informed decision about their borrowing options and choose the loan that best suits their needs and financial situation.

[toolsupdate]

Mortgage Calculator: A Tool for Making Informed Home Financing Decisions

When it comes to purchasing a home, one of the most important decisions you will make is how to finance it. With so many different types of mortgages available, it can be difficult to determine which one is right for you. That's where a mortgage calculator comes in. In this article, we will explore what a mortgage calculator is, how it works, and how you can use it to make informed decisions about your home financing Read More

[duraxxor]

Whisper Prompt - “He is lying. Make an example of him and show the world what becomes of those who refuse to answer my question the first time.”

A young magus trampled through the woods on foot. So young and naive they were. Beads of sweat trickling down their neck in the midst of the night’s coolness. He panted, breathlessly trying to capture air back into his lungs. Fear bristled within them in sweet, sweet melancholy. For even with this man’s inexperience, the stories had taught him that one such as the Lady in Red was not one you trifle with. Everywhere he looked, he half expected the shadows to lunge and tear him to pieces. 

“Shit! Shit shit shit! I have to leave this place. I have to get as far away from this area as possible. Yes! I will leave Azeroth and go straight to the Outlands! Yeah! That bitch won’t find me there! I knew trying to seek her for power was a mistake! But they won’t be able to touch me there! Yeah! I will show them! I will show them all! “ 

The smile creeping upon the man’s face betrayed his thoughts. And while his words may have been a bandage for his fear, it most certainly dulled his senses as another entity started to lurk within the brush, imminently stepping out into the light of the moon. The leaves shifted and with it, the magus jumped. 

“Gah! Who are you?! You best not be one of her lackeys! “He began to create hand signals to draw runes for a spell. Arcane particles popped when he immediately came to a stop. His fel-tainted gaze looked upon the visage of a new individual. He appeared elven but seemed rather odd in nature. A lithe and elongated limbs were wrapped in a business suit. A short length tophat nestled upon his sculpted scalp above the brow line. An icky, green hue decorated the eyes that were peering in his direction with a calculative stare. His nose, while pointed, had silver whiskers that stretched the curvature of his upper lip. 

“Were you followed? Tailed? Perhaps even bamboozled? “The unknown personnel questioned this young man with a stone-cold structure of a man who did business. No emotion to be shown, not even a smile on the matter. His arms folded behind his back as he continued to just stare. How unnerving at a time like this. 

“ Wh- I don’t know. L-look… help me! This crazy bitch is after me, alright? Can you please do that for me? I can pay you handsomely! Name your price! I will make it worth your while! Gold? Women? I can hook you up! “While he didn’t quite trust the man, his guard was lowered enough to understand that perhaps he was paranoid to jump to conclusions that this businessman was in league with Sanguine Sorceress. 

That eerie stare bored into him, like a loan shark trying to pick out the man’s hand in the midst of a poker game. And then, he pulled his hands from his backside and clasped them together. His approach was calm, showing that he was willing to pay heed to his deal. “You wish to name a price? Well, I can most certainly make you a proposition. “There was an air about him that seemed to flow in an ominous whirl. Never seeming to blink even when the man’s gestures were erratic. 

“Name it, I would do anything to get out of this… “The magus wallowed, feeling the suspense of time drawing closer as if the Lady in Red’s claws were drawing closer and closer by the minute. 

The stranger’s lips finally elongated into a smile. The permission had been given and the deal would now be struck. “Answer me one simple question: Have you lied in the last thirty minutes and twenty-seven seconds? “ 

That was oddly specific. The magus looked to him with a bizarre, perplexed stare before he felt himself blurt out an answer on instinct. “No! Of course, I h-haven’t! I am innocent! “Another bead of sweat flowed down from his brow; a nervous smile twitched into false confidence. Oh no. Could he see right through me?

With his answer, the newfound business negotiator would find himself most dissatisfied. A scoff followed as the man began to dust himself off. This ignorant fool would fail to understand that every deal also had a consequence. “Is that all? My god you are a horrid player. Not only did you lie about what I had asked of you, you lied to yourself. Don’t you understand, boy. No one is innocent. This world is founded on the principles of wrong doings from all faces. Even the self-proclaimed good and righteous… Tsk tsk. That will be paid with interest now. I hope your insurance policy is a good one. “ 

The liar’s jaw grew slack as if he had been absolutely had to the highest degree. An immediate instinct to clench for dear life. “What do you mean pay with interest?! Are you insa-Glork! “His whining words trickled into paralyzed whimpers. An opportunity turned into his foe as quick as the shadows were cast. Within his jaws, this madman had already shoved half of his fist inside, bypassing teeth that refused to snap down out of defense. His tongue, now pinned between the middle finger and the metallic, ring digit that held that tender muscle tightly. 

“Insanity? We had a deal. And you did not hold your end of the bargain. It seems you didn’t do your homework when attempting to have transactions with entities that are beyond your paygrade. It is terrible enough that you spoiled the moment, but you also lied to one of my favorite associates. For shame! “The distant stare continued to bore into his eyes, having seen it all. Heard it all. Had it all. This man was playing a poker game with a pair of twos while the dealer was full on royalty. 

The magus suddenly felt this cruel businessman begin to pull on his tongue, bringing the muscle and veins to a tightness. At first, it started out as a pressure that had left the man quite uncomfortably whimpering. His arms trying to grab the monster that had him in his grasp. But over time, the tug began to pull on the base. The strength is prying at his lower jaw painfully. That fleshiness began to consume his sense of taste mixed in with an overproduction of saliva that was dripping onto the man’s glove. Whimpers now turned into muffled cries as tears began to stream down the man’s features. Kicking at the dirt, he just couldn’t muster the strength for freedom.

SPLORCH! 

There was a split second in the severance as those final threads of flesh gave away. The pain now lighting his maw aflame. And as this man screamed, his illogical attempt to breathe in cost him further as the gushing blood that overflowed went directly into his lungs. His throat bubbled and heaved, desperately trying to regain himself but found himself drowning in his own blood and piss alike. And to make matters worse, the last thing he would see with one more visage. 

The businessman possessed the most insidious grin, baring the teeth of a devil that was victorious in this hour. “And now. For the interest! “In the blink of an eye, another sickening sound of torn flesh followed as the bubbling babbler went completely silent after one last gag. 

The following morning, travelers were in disgust, some even dry heaving at the sight of the most unsettling thing they had ever seen on the cobblestone road. The corpse of that naive magus, kneeling down with his hands placed upon thighs. Bloodied with his own guts that peaked from the crater in his chest. Much like it, his jawline was gaping wide with a trickle of fluid still running out of it onto the puddle beneath him. Eyes glazed over by the grip of death. Tongue and heart had been plucked from this soulless husk. And with it, a single word was etched into the stone by a finger of bloodied ink. 

L I A R

[[ Enjoy this Lady in Red @sanguinesorceress <3 ]]