#Smart loan agreements

[fincrif]

How Are Blockchain and Smart Contracts Revolutionizing Personal Loans?

Introduction

The personal loan industry is undergoing a significant transformation, thanks to emerging technologies like blockchain and smart contracts. These innovations are making loan processing faster, more secure, and transparent. Traditional personal loan processes often involve lengthy paperwork, high-interest rates, and bureaucratic delays. However, with blockchain-powered lending, borrowers can experience streamlined approvals, reduced costs, and improved security.

As digital finance continues to evolve, understanding how blockchain and smart contracts impact the personal loan sector is crucial for both lenders and borrowers. This article explores how these technologies work and their benefits in revolutionizing the lending landscape.

What Is Blockchain and How Does It Apply to Personal Loans?

Blockchain is a decentralized, distributed ledger technology that records transactions securely and transparently. Unlike traditional banking systems, where a central authority controls loan transactions, blockchain ensures that all records are immutable and tamper-proof.

Key Features of Blockchain in Lending:

Decentralization – Eliminates the need for intermediaries like banks and credit agencies.

Transparency – Every transaction is recorded and accessible to relevant parties.

Security – Reduces fraud and unauthorized data access.

Efficiency – Speeds up loan approvals and fund disbursements.

By integrating blockchain, personal loan providers can reduce inefficiencies, making borrowing more accessible and affordable.

What Are Smart Contracts and Their Role in Personal Loans?

Smart contracts are self-executing contracts with terms directly written into code. These contracts automatically execute actions when predefined conditions are met, eliminating the need for intermediaries.

How Smart Contracts Work in Personal Lending:

Borrower Applies for a Loan – Details like loan amount, interest rate, and tenure are recorded on a blockchain.

Smart Contract Verification – The contract checks the borrower's credentials using blockchain data.

Automatic Loan Approval – If all criteria are met, the smart contract executes the loan agreement.

Instant Fund Disbursement – Upon approval, funds are transferred without manual intervention.

Automated Repayment Tracking – Payments are automatically deducted and recorded on the blockchain.

With smart contracts, borrowers benefit from a seamless lending experience, while lenders reduce risks associated with fraud and late repayments.

Benefits of Blockchain and Smart Contracts in Personal Loans

1. Faster Loan Approvals and Disbursements

Traditional personal loan applications can take days or weeks for approval due to manual verification. With blockchain and smart contracts:

Real-time verification speeds up approval processes.

Instant fund transfers ensure quick access to borrowed funds.

Automated underwriting reduces paperwork and delays.

2. Increased Security and Fraud Prevention

One of the biggest challenges in lending is fraud and identity theft. Blockchain technology mitigates these risks by:

Creating tamper-proof transaction records.

Eliminating data manipulation through decentralized verification.

Ensuring borrower identity verification using encrypted blockchain records.

3. Reduced Costs for Borrowers

Banks and traditional lenders charge high processing fees and interest rates due to administrative overheads. Blockchain-based personal loans minimize these costs by:

Removing middlemen like banks and credit agencies.

Lowering transaction fees using decentralized finance (DeFi) platforms.

Providing competitive interest rates through peer-to-peer lending.

4. Transparency and Trust in Lending

Blockchain records all transactions publicly, ensuring transparency in lending agreements. Borrowers and lenders can:

Track loan agreements in real time.

Avoid hidden fees or unfair lending terms.

Ensure compliance with agreed-upon loan conditions.

5. Improved Accessibility to Credit

Many individuals lack a formal credit history, making it difficult to obtain loans from traditional banks. Blockchain lending platforms use alternative credit assessment models, enabling:

Loans for the unbanked and underbanked populations.

Alternative credit scoring using transaction history and blockchain reputation.

Financial inclusion for freelancers, gig workers, and small business owners.

The Rise of Decentralized Finance (DeFi) in Personal Loans

Decentralized Finance (DeFi) is a blockchain-based financial ecosystem that eliminates intermediaries, allowing direct lending and borrowing between individuals.

Features of DeFi Lending:

Smart contract-based lending platforms.

Lower interest rates compared to traditional banks.

Access to global lenders without geographical restrictions.

Popular DeFi lending platforms like Aave, Compound, and MakerDAO are already revolutionizing the way personal loans are issued, making borrowing easier and more cost-effective.

Challenges and Risks of Blockchain-Based Personal Loans

Despite its advantages, blockchain lending faces some challenges:

1. Regulatory Uncertainty

Governments and financial institutions are still working on regulations for blockchain-based personal loans, which could impact widespread adoption.

2. Volatility in Crypto-Backed Loans

Some blockchain loans are backed by cryptocurrencies, which are highly volatile, posing risks for borrowers and lenders.

3. Technical Complexity

Borrowers may need basic knowledge of blockchain and digital wallets, making accessibility a challenge for non-tech-savvy individuals.

4. Limited Consumer Protection

Unlike traditional banks, blockchain-based lending platforms may lack consumer protection mechanisms in case of disputes or fraud.

The Future of Blockchain in the Personal Loan Market

As blockchain and smart contracts gain acceptance, the personal loan industry is expected to undergo further innovations:

1. Mainstream Adoption of Blockchain-Based Lending

More traditional banks may integrate blockchain technology into their lending processes for faster approvals and increased security.

2. Government-Backed Blockchain Lending Platforms

Governments may introduce blockchain-based loan programs to enhance financial inclusion and transparency.

3. AI and Blockchain Integration for Enhanced Credit Scoring

Combining AI with blockchain will enable more accurate borrower assessments, leading to fairer lending practices.

4. Smart Loans with Customizable Terms

Future personal loans may be fully customizable, allowing borrowers to set their preferred repayment structures and interest rates through AI-driven smart contracts.

Conclusion

Blockchain and smart contracts are revolutionizing the personal loan industry by making lending faster, more transparent, and secure. These technologies eliminate the need for intermediaries, reducing costs and improving accessibility for borrowers worldwide. While challenges like regulatory uncertainty and crypto volatility remain, the future of blockchain lending looks promising.

As financial institutions and fintech companies continue to innovate, borrowers can expect a seamless and efficient personal loan experience in the years to come. Understanding how blockchain-based lending works today will help individuals make informed borrowing decisions and take advantage of future advancements in digital finance.

[ittybittyfanblog]

quick fic/blurb idea i got from a prior reblog—

broke postgrad art student who ‘accidentally’ acquires a sugar daddy by some weird turn of events (?) non-sexual!! (…probably) but essentially, it’s just sylus throwing money at you as his primary love language lol

student loans? ✨ paid off in full ✨

electives/clubs you want to join but cost extra? don't worry about it baby girl, you're in. no questions.

materials/equipment/textbooks you need for a class? oh, look, everything you were stressing over just got priority FedEx’d to your doorstep literally the same day.

debating whether to eat that technically not-yet-mouldy week-old loaf of bread in the cupboard? well, you don't have to, because now you have fresh groceries delivered every three days at five PM like clockwork.

and yes, you get an allowance. daily. and the less you check how much is being sent to your account, the better. (for your sanity.)

maybe sylus buys you a condo near campus, too. after all, he can’t have you taking the metro late at night. unacceptable. not when his smart, very capable girl is dead on her feet after a late shift at that part-time job he still hasn’t convinced you to give up.

smart, capable, and so damn stubborn.

(he’ll just buy the building complex where the charming, little gift shop you work at is located. not that he'll jeopardize an innocent business, nor your employment, lest you get mad at him. ah, he'd figure it out. eventually.)

and he’s not trying to be smarmy about it. not in any way, or capacity, not at all, no. just the simple fact that he can provide for you—that he gets to be the reason you're able to chase your big girl dreams, do everything you want and more—already gets him off like crazy.

sometimes, though… you wonder if you’re taking too much advantage of your....... sponsor's....... generosity. it bothers you, more than a little bit. that he gets the short end of the stick, or what seems like.

so, uh, you try to give him... something in return.

the first booby pic you send him gets an immediate, resounding reply of just: “no.”

your initial, knee-jerk reaction is to be offended—(you sent that willingly, damn it.) if not for the fact that he's the first to like every selfie/photo you post on your socials, and comments stuff like, "gorgeous," "my sweet girl," and a frankly offensive, "prettiest flower out of the bunch," in every group photo you're in, like the kind of odd, senile relative who plays favorites.

(still.)

then, as soon as you graduate, you get hired. immediately.

and you know how, back in the day, artists had these rich ass patrons who paid for everything so they could literally just exist and create? yeah, that’s you now—after signing a non-renewable contract with a frankly ridiculous upfront deposit and a bond agreement that (upon closer inspection) basically states in the fine print that you're more or less ensured to get whatever you want... as long as you don’t work for anybody else.

but hey, job security is rough these days. you'd be stupid to turn it down. really, you're practically living the dream here.

(you just find it kinda weird that page 46 of the document looks suspiciously like a prenup agreement—wait a damn sec, what's this about marriage now–)

[mimikittysblog]

The Princess - Prequel

Pairing: Mafia! Poly! Ateez x Fem! Stripper! Reader (ever so slightly Hongjoong focused but not by much)

Genre: Angst, fluff, a hint of smut (no actual sex scenes just mentioned)

Synopsis: Looking at ATZ you’d never expect that they were capable of being in love. Yet they are. How did this happen though? How did you get tangled up in this? And why were they so determined to keep you safe?

Warnings: Kidnapping, major violence, death/murder (not of the major characters), implied sexual activity, MxM of course, alcohol consumption, nightclubs, reader was a stripper, not proofread. So because of all of this please ⚠️MNDI⚠️ if I missed anything please let me know.

Word Count: 5,8k

A/N: ITS FINALLY HERE!!!! I won’t blabber here for too much! So I really hope you like this! Any feedback is appreciated! As well as any questions! Enjoy!

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

“Goodness this place is gorgeous!!” You squeal as you twirl around in your villa.

As San suggested, for your ten year anniversary, you and your husbands went out on a vacation. This year it was to Greece.

“You chose well my smart husband.” Hongjoong compliments Yeosang with a kiss.

“Thank you.” He smiles.

“You guys are too much!” You giggle as you open the glass doors that lead to the beach.

“Nothing is ever too much for you our princess.” Seonghwa says.

You can only smile back as you continue exploring the villa. Later that night you all, as per your request, laid on the beach to stargaze.

“Hmm 10 years with my amazing husbands.. what did I ever do to deserve thissss?” You sighed

Hongjoong who was beside you, reached over and grabbed your hand. Brought it to his lips and kissed it.

“Existing. You exist.”

Before you could protest all of your husbands sounded their agreements to captains statement.

While some of that statement holds true. As the moment the boys met you all those years ago, they knew they would give you everything you ever wanted.

The thing is.. something actually did happened to you.. something that technically you did.

That thing made them want to forever repay you. To make sure a smile will forever be on your face, your heart always content and your mind forever at ease.

The truth is your kidnapping that happened almost a month ago now, was not the first time you were taken from them.

There was only ever one other time.

That fateful night is what changed your husbands to be as protective as they are towards you now.

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

Let’s start at the beginning though.

See, while now the name ATZ sends a chill down most people’s spine in your town. Possibly even your province. Soon it’s possible even your entire country. As they’re the most powerful group of them all. 8 powerful men who wouldn’t let anything get in their way.

They didn’t start like this though.

They started out as 8 unfortunate boys all from different parts of town. Some came from cruel families, some were even orphans. Yet somehow they all met each other and instantly clicking like it was fate, or destiny. They all completed each other in a way and shared similar goals and dreams. As well as similar feelings towards the cruel world.

Hongjoong hated how he was constantly looked down upon. Yunho loathed his abusive high class life. Seonghwa and San despised the cruelty society showed them. Yeosang never understood the health care system. Mingi and Wooyoung also loathe their living conditions all because of loan sharks. Jongho hated stupid rich families that took away his.

So they set out to do something about it. Maybe not necessarily to change the world, but to change their situation. It started small, just petty theft. They then moved on to scams and then to grand larceny and so on. Their crimes kept growing and growing in severity. Eventually establishing themselves as a worthy threat.

They knew they became monsters. Somewhat becoming the thing they hated. They thought it was only fair though. If the world was going to be cruel to them, they’ll be cruel back. Sometimes even crueler.

Eventually they could take small breaks and reward themselves after all the work they’ve done.

Plus men like them need to unwind somehow. So what better way than at a nice club with cold drinks and hot strippers?

In the beginning they actually never went to the same club twice, just to make sure they’re always moving. Yet one night at this particular club, something or specifically someone, made them want to stay there forever.

You.

You were the top stripper at this club. Everyone wanted a piece of you. They were no different. Well… maybe a little different. As their desire for you from the moment they saw you was a strong familiar feeling. It felt like when they first met each other for the first time all those years ago.

What they didn’t know is that when your eyes met theirs, you felt exactly the same way. Somewhere deep in your heart you knew they were the people who will make you feel complete.

Just like that, after a single private night with you (which they paid over 10x your usual rate, just to make sure they have you all to themselves), they went from constantly moving clubs to only ever going to this one. You never complained though.

They were your favorite clients.

Behind closed doors though, they were more than that. They were yours. And you weren’t gonna have it any other way. You always got what you wanted anyway. So when they first started becoming regulars, you did whatever it took to make them want to keep you.

You didn’t have to do much really.

They were already yours the second you gave them your famous lap dances.

Yet they weren’t gonna refuse whatever you had to offer. And what you had to offer was incredibly valuable.

Inside information.

People love to talk, especially when they thought no one was listening. Yet your ears were always wide open. Always looking out for the latest inside scoop or internal plans that the boys might need. So when the next time they see you, you always have something to tell them.

While you ride them of course.

Not something you do with your clients but yet again they’ve always been the exception. They give nice tips and more.

There was also actually something unexpected that you were able to give to them. Actually far more valuable than the information you had.

Comfort.

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

It isn’t easy being them. They always have to suck up the hard parts of being what they are. It is their consequence. Sure they enjoy some parts of the job, they gain some sick pleasures for the cruelty they inflict. Yet sometimes it’s still a lot.

However with you now being with them, you’re able to just be there to lend an extra shoulder. It made things much easier. You were somehow able to make them feel human again. Not like the monsters they believed they are.

What was first an exchange of goods truly became much more. Now half of the time the guys show up, they truly just wanna hang out with you and drink.

Sure they hope to possibly get a kiss here and there too since they could never resist you. But it really wasn’t really their main reason to see you anymore.

And actually, hanging out with you was also what caused them to realize and admit their feelings for each other.

“..You don’t realize the rest has feelings for you?” You say with a raised eyebrow at the four who decided to give you a visit tonight.

They don’t always go to your club together, sometimes they go alone or even in small groups.

“Heck you guys don’t realize you all have feelings for each other?” You chuckle.

“You look out and care for each other the same way you do me! And as far as I can tell! You don’t look at me as just a friend.” You continue with a smirk.

Oh the looks on their faces. You’ve never seen these men be so shy before.

“…FUCK ALRIGHT FINE! I’ve been in love with all of you for a year now!” Wooyoung finally snaps.

“…me too..” Jongho then admits after a moment of silence.

“..I.. didn’t realize what I felt for you guys was.. love.. romantically I guess..” Mingi says sheepishly.

“..me neither… fuck I never thought I’d ever feel anything romantically.” Yunho whines.

“You’re still only human Yunho. And love like this is something most humans are capable of.” You say as you move to sit in his lap.

“What now..?” Jongho asks.

“That my dear Jongie, is up for you and everyone else to decided. But one favor? don’t leave me out of it?” You giggle.

Yunho could only chuckle before pulling you into a kiss.

“Never.”

Soon another round of fun commenced, where the boys became slightly more touchy towards each other. The next time they visited though, you could tell they were significantly more touchy. More happy too.

So after two years of constantly meeting up with you, they were able to become much more than friends. And they wanted you to be apart of them.

How could you ever say no?

It was all really wonderful.

After a few more visits since making it official the guys decided they wanted to do this properly. So they often took you out when you weren’t working. Being more lovely than all of the guys you’ve ever dated to the point you wondered if they were really a mafia group.

Every date they took you on was just filled with joy and love.

Here they also got to learn more about you as well. How funny you are, brightening their day with laughs. How kind you are with how much you care for them. How smart you are whenever there are problems to be solved and you even helped them with some of their plans. They also learned of your unfortunate background like theirs. How relatable it was. It just makes them fall for you even more and just solidifies how much you mean to them.

Because of that they started to really treat you like a Princess. They even started calling you that. You didn’t think you deserved it but they always told you otherwise. To them you were a princess.

Their Princess.

Despite everything you all should’ve been more careful though.

Cause love is a double edged sword.

And someone was about to exploit that.

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

“Good night my Joongie.” You smile as Hongjoong is leaving your club.

“I’ll miss you princess.” He says softly stroking your face before giving you one last kiss.

“I’ll miss you too.”

Tonight it was just Hongjoong visiting. Just a quick meet up to see and treat you for the night.

He shouldn’t have.

Or maybe he should’ve stayed longer.

Or He should’ve taken you home even.

‘Cause even until now, he believed if he did, what happened to you would’ve been avoided.

That is because only an hour after he left. Someone paid you a little visit. It definitely wasn’t for your services though.

Or at least your normal services.

You were just in your dressing room counting the money you made for the night. Chuckling when you realized literally half of it was from Joong, despite you no longer charging them.

When suddenly your room was busted into.

“What the fuck?!” You yell jumping up from your chair.

“Wrong room fellas. If you’re looking for the bathroom it’s on the other side of the building! Now please get out of my dressing room. And if you’re actually here looking for a night with me, tough luck my shift is over.”

They didn’t reply. Instead they took steps towards you with cynical smirks.

You immediately knew they were bad news.

Your heart rate quickened as you tried to figure a way out fast. The men were blocking your door so your window was the only option. Once you realized that you quickly threw a nearby chair at them and scrambled to the window.

You were unfortunate still too slow, or maybe they were just too fast. They grabbed you but you did whatever you could. You kicked, you clawed, bit, screamed.

Whatever you could.

The men were kinda impressed at your efforts but they weren’t gonna deal with you like this. So one of them got out a cloth of chloroform and put it over your airways. You still fought as best you could but the chemical was taking its effects.

“You’re a feisty one. I can see why ATZ likes you.”

That’s the last thing you hear before you passed out. Panic fills you as you realize the reason why they’re after you. They’re trying to get to your loves using you. But you were determined to not let them.

When you finally regain consciousness, you saw you were in a dark room. Most likely a basement. You also felt the rope that was digging into your skin, and the rough scratchy wooden chair.

“Ah! So you’re finally awake!”

You looked to your side and saw the same man that took you. Along with his thugs.

“What the fuck do you want from me?!” You growled, playing dumb.

“Oh don’t act stupid.” He snapped. “We know about your little relationship with ATZ.”

“They’re my clients?!”

“Oh no no. Word on the street is that they’re more. And after just watching you for a few weeks.. we see that they’re so much more.” He chuckled.

“Creep.”

“Maybe. Look pretty, just tell me where their hideout is, what their upcoming plans are and any weaknesses that they have. That’s all and we’ll let you go.” He said with a smirk.

“They’re literally my clients you idiot. Nothing more. I don’t fucking know anything besides their names.”

SMACK

“Stop lying.” He suddenly snapped after smacking you across the face.

He then showed you an abundance of pictures of you and your boys in the club looking far too close to simply be clients. Then he even showed you some pics of you all out on those dates.

You and Yeosang on the beach.

Seonghwa and Hongjoong taking you shopping.

San eating with you at a fancy restaurant.

Yunho, Jongho and Wooyoung having a staycation with you at a 5 star hotel.

Mingi with you at a drive in theater in his most luxurious car.

And more.

You gulped in fear looking at all of these photos. However you just took a deep breath before looking back up.

“I don’t know anything.”

You’re not breaking.

The man then chuckled before leaning down to get up all in your face.

“Pretty. Why are you keeping secrets for them huh? Do you really think they love you? You? A stripper? They’re just bored sweetheart. They’ll get rid of you eventually.” He starts laughing at you. At the absurdity that you thought that they love you.

“So you know what I say? I say get rid of them first. Throw them under the bus! Just tell me what I want to know okay? Then I’ll let you go. Promise!” He continues. Just before pulling out a switch blade and pressing it into your cheek.

“…I don’t want to have to ruin your pretty face and body. Don’t make me angry.”

…

He waited patiently while looking into your eyes. Wanting to read your expression. He then smirked widely when he saw your eyes water.

A single tear then flowed down your cheek. Thinking he’s finally got you. But to his surprise…

You’re not. Breaking.

“Never.”

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

“Hongjoong! Back from seeing darling?” Jongho ask when he saw him return home. He then walked up and gave him a hug.

“Mhm. How was the mission? Everything went well?” Hongjoong asked.

“Of course it did. Better than expected!” Wooyoung suddenly chirped in and snuggled into Joong.

“Good. Now get off me.” He said rolling his eyes. Pretending he didn’t like it.

“…Naaaahhhhh! I missed you! And our Princess! You smell like her.. hmm How is she?”

“Wonderful as always. She decided to end her shift early today.”

“Well why didn’t you take her home with you then? We all miss her you know that.” Mingi asks as he approaches Hongjoong as well. “And get off him! He’s had a long day!”

“I did too and this is how I recharge!” Wooyoung retaliates hugging Hongjoong even closer then giving him a kiss.

“I would but… I don’t know.. She also had a long day and maybe she’d want some alone time tonight..” Hongjoong explains as he moves to the couch.

“How about we just call her?” Jongho shrugs as he sits next to him.

“Yeaaahhh! If she really wants some alone time we’ll let her of course!” Wooyoung reasons as he looks up at him. “Don’t you miss her already too? I seriously can’t take being away from her for too long.” He continues.

“Enough with your whining! I’m calling her now.” Yeosang suddenly says as he walked into the room, phone in hand.

“Hmm she’s not picking up.” Yeosang frowns.

“She’s asleep already?” Mingi asks. Confused as you’re usually still up.

“Maybe she’s that tired.. lets not pester her…” Hongjoong tries to reason.

“Just try one more time. And put it on speaker!” Wooyoung says.

Yeosang only smiles at his whiney boyfriend’s antics as he dials your number again. Putting it on speaker per his request. The phone rang for a while. It rang to the point they were gonna give up and just let you rest. Thinking the assumption of you being asleep to be correct. However the phone was eventually answered.

“Oh darling! You’re still awake! Or did we wake you? Sorry love… we just wanted to know if maybe.. you’d want to come over? We all miss you! Joongie too even though he just saw you hehe” Yeosang explains with a big smile. The others expressions matching his, waiting for your response. Yet.. you didn’t? It was almost dead silent on your end.

“..Darling?”

Soon they started to hear soft panting.

A sinking feeling started to settle upon them.

“Didn’t think you’d call so soon.” A cheery voice suddenly said.

A cheery male voice.

“What the fuck?!” Mingi suddenly burst.

He then grabs the phone out of Yeosangs hand.

“Who are you?! Where’s our girl?!?”

At the loud boom of his voice, the other lovers suddenly rushed to the living room.

“What’s going on?” Seonghwa asks concerningly.

“We.. we tried calling Y/n! But.. this guy answered?!” Jongho explains in a soft panic.

“What?!” San screams.

“Your girl? Cute. Hey pretty. They’re looking for you. Why don’t you say hi? Hmm?”

“Who the fuck are you?!” Mingi continues to bark.

Suddenly a chill runs down their spine once they heard your whimper.

“Darling?? Princess are you alright?!” Yeosang yells into the phone.

You still don’t say anything, just another soft whimper.

“Speak up! They wanna hear you pretty! Oh! Maybe this will make you talk.”

“..N-no!!!”

Just then your painful ear piercing scream came through the phone.

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

It’s so much.

it’s almost too much.

The pain.

For what seems like hours these men have been subjecting you to so much pain. In hopes you’ll finally talk. You’ll finally break.

But you won’t.

You can’t.

They’ve also been subjecting you to mental pain. Screaming insults and lies. Telling you how much you don’t mean to your boys, so you should just give in and tell them what they want. How there’s no point in you keeping your mouth shut. How if they weren’t gonna kill you, your “loves” eventually will.

But you didn’t care.

You’re too far gone. Maybe you’re stupid. Maybe you’re insane.

Or maybe you’re simply in love.

So even though you’ve come to acknowledge that maybe they’re right. Maybe you really are nothing but ATZ’s plaything to use when they’re bored. That they wouldn’t even blink an eye at the fact that you’re here or if you died.

You still didn’t care.

Sure it hurts…

The thought that the men you love so much wouldn’t think twice abut throwing you away was almost unbearable.

Almost.

What was unbearable for you though was the thought of them losing. Losing everything they’ve worked for. Everything they’ve built. And especially if they lost their lives.

No.

You knew from the first moment they held you, you’d do anything for them.

As pathetic as that is.

You couldn’t care less.

You love them.

Even if they didn’t.

So you’ll die here. Tortured beyond reason. Just so they stay protected, hidden and alive.

Or so you thought.

Cause the truth is they do care…

‘They called me…’ you thought to yourself

To initially invite you over cause they missed you.

But now their concerned voices are screaming out to you. Begging to know if you’re okay. Begging for your captor to let you go. Bargaining anything for your release.

Hearing all of that you could only whimper.

Overwhelmed with a sense of relief that they in fact did love you.

But you’re determined to keep them safe. So you kept your mouth shut.

Well…

Until that knife came down into your thigh.

“NO STOP IT!!!”

“LET HER GO!! WE’LL TELL YOU WHATEVER YOU WANT! WE’LL GIVE YOU WHATEVER YOU WANT!!”

“PRINCESS!!”

“I’LL FUCKING KILL YOU! BASTARD!”

“Princess talk to us! Please!”

Your captor laughs.

“Awww.. maybe we were wrong pretty. Maybe they do love you. No matter. Still just tell me hmm? Tell me where they are.” The man taunted you. Harshly digging his finger into one of your wounds. Eliciting another scream for you.

“That’s what you wanted to know?!? FUCK FINE! WE’LL TELL YOU! WE’RE-“

“No!”

With whatever strength you had left. You yelped out a plea, cutting Hongjoong off.

“D-don’t.. don’t tell him anything..! AHH!” The finger dug in deeper.

“Even now you’re still protecting them? You’re much more pathetic than I thought.”

“Princess… Princess please.. just tell him. Or let us tell him… don’t do this..” You hear San beg softly over the phone.

“Our love.. our everything please… We can handle it.. just tell him.. or let us! Please!” Jongho added.

“Huh.. I’ve been wondering for so long! What could possibly be your guys weakness?! Turns out… I’ve been giving her a beating this whole time.” Your captor laughs along with his other goons.

“I promise you. We’ll make you fucking pay for even daring to lay a finger on her.” Yunho growls.

“Hmm I’ve been doing much more than that haven’t I pretty?”

SMACK

“STOP!”

“So tell me!”

“We’re at-“

“B-boys stop..!”

“Oh my god stop interrupting them!”

“Y-you wanted me to talk so badly?! I’ll fucking talk! Just.. let me talk to them first!” You yelled.

He stays silent for a minute. Thinking. He then sees no harm in letting you talk to them cause you are finally talking. So he then rolls his eyes at you before moving the phone closer to you.

“..Boys…” You cry.

“Princess! We’re here!” Seonghwa yells, trying to reassure you.

“It’ll be okay our love! Just h-hang on okay?” San adds.

“Just tell him what he wants to know..! We’ll handle it yeah..?” Mingi asks of you.

“My lovely boys.. please listen to me very carefully…” You take a deep breath as you get choked up. Tears streaming down your face.

“I love you. So much. So please… Give this fucker hell for me.”

As soon as those words leave your mouth, you lurched forward and was able bit into your captor’s wrist.

“ACK FUCK!!! YOU FUCKING BITCH!”

He then drops the phone trying to get out of your bite. Now while your upper body was tied up, stupidly your legs were not. So with your free leg you stomped on the phone, effectively smashing it.

Cutting off your communication with your boys.

Soon enough your captor’s goons pulled you off of his wrist.

“You’ll never know where they are! And you’ll never beat them! And when they kill you, I’ll deal with you in hell myself you fucking bastard.” You vow with conviction and eyes filled with a crazed fiery passion, after spitting his blood onto his face.

“Well then enjoy hell you psycho bitch.”

Your world suddenly went black. His fist being the last thing you saw.

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

“What? Princes-“

BEEP BEEP

Call disconnected.

“NO!!!”

“PRINCESS NO!!”

“FUCK!”

Panic ensues. The boys are spiraling, still screaming pleas into the phone hoping it’s some kind of glitch. Hoping you can still hear them.

“Yeosang please tell me you got their location?!?! Please!!” San yells to the boy who was trying to locate you through the call.

“W-wait! I-it’s still searching!!” He yells back, eyes filled with tears after hearing everything. Eyes frantically looking at his laptop screen, begging for it to give him your location.

“The call ended!!! Are you sure the GPS can find it?!” Jongho asks.

“It has to!!! God knows what’s happening to her!!!” Wooyoung answers him.

“Please.. please princess hold on… we’ll find you..!” Seonghwa pleads softly into his shaky hands.

“FOUND IT!”

“LETS GO!” Hongjoong barks.

Within a blink of an eye, the boys got into their vehicles and were off. Disregarding any traffic laws and almost certainly causing some kind of accident. But that’s a later problem. They just needed to save you. Quick.

“We’re on our way.. please just hang on…” Yunho says softly as he floors it.

And just like that they found the place where the GPS says you were. It looked like an abandoned house. However based on the armed guards that were surrounding the area, they’ll bet that you were in fact in there.

“Everyone be safe!!! But do what you must to find and get her back!!!” Hongjoong orders through their radio.

Just like that, without mercy and a second thought they stormed in, killing anyone and everyone that wasn’t you in this wretched building. Every room they entered, their eyes searched frantically. Desperate to find you. Absolutely terrified of your fate.

Now you would think that they were outnumbered. As you would think the entire building is just filled with tens of henchmen and it was just the eight of them. You would in fact be correct. They were outnumbered.

However that didn’t matter.

The reality being nothing has ever stopped them before.

And nothing will stop them now.

Especially with your life on the line.

They’re filled with so much pure rage and determination. To the point that if they had to save you in hell from the devil himself. They would.

So what should’ve been a death trap for ATZ. Became a death sentence for your captors.

Eventually Mingi who was ahead of the others, found a looked door. With all his might plus with the adrenaline pumping through him, he broke it down. He saw it lead to a basement and he just knew you were in there.

“GUYS!!! COME HERE!” He shouted before running into the basement.

Yet when he got to the bottom, dread immediately plagued his heart. What he found should’ve filled him with relief but it didn’t. What he found was you. Unresponsive. Tied to a chair with your head tilted down. Bloodied and bruised beyond compression.

No.. you can’t be…

“P-princess…”

“Mingi?! Did you find he- ...no… please no…” Yunho whispered.

The others soon followed Mingi into the basement. When they all saw you though, they feared the worst. When Hongjoong saw the sight of you, he felt his world completely shatter.

“Princess…” He said before running to you and getting on his knees before you. You looked so broken. He didnt even have the heart to touch you.

He couldn’t see you breathing… So he believed the worst.

“Princess no..”

Some just catching a glance at you and already couldn’t take it. Causing them to turn away while holding in their tears. The others just kept staring at you, holding on to hope, approaching you softly.

Hongjoong then ever so softly moved your blood soaked hair out of your equally bloody face.

“Princess.. wake up… l-look at me please..”

Just hours ago he left you at your club after a lovely visit filled with laughter and love. Just hours ago he saw you smile so beautifully at him. Just hours ago you kissed him goodbye. Just hours ago… you were alive…

He’ll never forgive himself.

“I’m so sorry… I’m so so sorry…” he sobbed.

He looks down unable to look at your state anymore. At the sound of their boyfriends cries, they all broke down.

They couldn’t believe that they were too late. They couldn’t believe that they lost you. They knew that they should get out of there. They’re sure more men were gonna come after them but they’re finding it hard to care. You were gone. What does it matter anymore?

Or so they thought.

As Seonghwa was approaching you to cut you out. He noticed your finger twitched.

‘She’s alive..?!’ Seonghwa thinks, eyes widening

Then he sees you trying to move your head ever so slightly and he knows you’re still alive.

You’re still with them.

“S-she’s moving!!! She’s MOVING! she’s alive!! Hongjoong she’s alive!!!”

Hongjoong, who was closest to you, along with everyone else’s eyes immediately snapped back up and saw your own fluttering open.

“…j-joong..ie..”

“P-princess!!!! Cut her out now!! Seonghwa!! Yeosang!! Take her to the nearest hospital!! Do what you must to get her urgent care!! We’ll deal with everything later!! Princess hold on okay??? Just hold on!!” Hongjoong orders.

As quickly and carefully as they could, they cut you out of your restraints and carried you out. While Seonghwa and Yeosang left to take care of you. The others are going to deliver on their promise.

So they continued their massacre in this building. They continued to kill anyone in their sight, being more brutal now. Knowing you were no longer in this building. Also because they saw what they had done to you.

No person should live after what they had done to you.

Eventually they burst into a lavish office. Only to see just a man sitting at his desk sipping wine.

“So? You’re finally here. Did you get to her in time? Or did she kick the bucket already?” He chuckles.

Recognizing his voice, they knew this was the man responsible. They also saw the blood on his hands and clothes. It completely blinded them with rage once again, that this man could tease them like that as he was splattered in your blood.

So while usually the boys did enjoy some stupid banter between their enemies. Obviously though, they’re currently not in the mood.

So without blinking, let alone saying a single word. Hongjoong walked up to him and knocked him out with a single wrath filled punch.

Oh your captor will think hell will look like heaven when your boys are done with him.

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

Your eyes begin to open. Bright light is what greats you. For a split second you thought you died. Thankfully though you felt their hands on you. Knowing that it’s their way to make sure you’re still there with them. At the flutter of your eyes they perk up, waiting to see if you’re really waking up.

You did.

You opened your eyes fully and take in the sight of them.

My goodness…

They look so disheveled..

They’ve never looked this sad, this worried, this.. broken…

You couldn’t help but pout a little before slowly smiling when you really understood the situation.

You’re still alive. You’re still with them. And they’re right here.

“M-my loves…”

Not a single pair of eyes were dry in that room.

Everyone started to sob at the reality that you’re gonna be okay.

“We did what you asked princess… we killed him. We made sure he suffered too.” Hongjoong tells you in a whisper.

“He won’t hurt you anymore.” Yeosang adds.

“No one will.” Seonghwa says.

“We promise.” Wooyoung tells you as the others nod.

You smile at them before crying even more.

“I’m.. I’m just h-happy you’re here… I’m happy you.. you actually love me..” You sob.

“what?! Of course we do..!” Yunho says

“He.. he made me think… y-you’ll… you’d throw me away..”

“Never.” San promises.

“I was.. so scared… b-but I promised myself t-they wouldn’t get to you.. I.. I wasn’t gonna let them..!” You cried harder, remembering all they put you through.

The boys did what they could to comfort you. Reassuring you that they were safe and that you are very loved. Your cries and the stories you tell of what they did to you also causing them extreme pain.

At the end of your retelling, you heard a soft thump. You all looked over to see Hongjoong on his knees beside your bed.

“J-joongie..? My love what are you-“

“I’m sorry… it’s all my fault.” He starts, with a shakiness in his voice.

“Hongjoong my love that’s not true-“

“No. It is. I should’ve brought you home. I should’ve protected you. You didn’t deserve any of that. I.. I’m sorry.” He starts, tears streaming down his face.

“But I promise you princess. I will do. Anything. And everything. For you. To make sure this doesn’t happen again. To make sure you’re safe, happy and loved. I’ll make sure nothing will ever harm you again. I swear.” He vows to you still on his knees.

As you were about to speak, all of your boys then began to sink to their knees as well.

“We swear too.” Jongho vows as well.

“Darlings…”

“We’ll make sure you’re the most respected. The most feared. The most important person anyone will ever know. No one will ever dare harm you again.” Yunho adds to the vow.

You hear it in their voice. They mean it.

And these boys always delivers on their promises.

“My loves… Thank you.” You say softly.

Just like that, that’s how the tradition of people bowing down to you started.

It took you weeks to fully recover. The boys making sure to keep you company and you get the best service while you were healing.

Though they had lots to do though. They had to deal with the hospital and the traffic accidents caused trying to get to you. It was all worth it though. Because at the end of the day, you’re always worth it.

Once you were discharged they surprised you by revealing that they bought a new home. One where you’ll be living in with them. It really was a dream.

A couple of years later, you all finally decided to tie the knot. It was a lavish but small wedding. You nine are the only family you have. So it’s just you and the very confused officiate. You wouldn’t have it any other way though.

It really was the best night of your lives.

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

Ten years later here you are.

Celebrating your anniversary once again.

After your night on the beach, most of you were discussing what else to do while you’re on vacation. You noticed however that one of you was not there. You looked around the villa to find Hongjoong at one of the balconies.

“Joongie..? Sweetheart? What are you doing here my dear husband hmm?” You ask as you approach him. Hugging him from behind.

“…I can’t believe we’re here.” He softly mumbles.

“..in.. Greece?” You ask confused

Hongjoong chuckles before turning around to hug you.

“No. I can’t believe we’ve been married for ten years.. together for.. what 16? And.. happy. After everything…” He says softly cupping your cheek and rubbing it softly.

You giggle before nodding.

“Me neither darling.. but I can see the sadness in your eyes. What’s troubling you hmm?”

“..I just… I can’t believe you still love us after everything. My love.. you got kidnapped again…. after I promised.. I vowed. that I would keep you safe. You stayed with us after all of that and I can’t really see how... I honestly wouldn’t be surprised if you suddenly ran away fro-“

You then cut him off his rambling with a kiss.

“Never say such ridiculous things my husband.” You said sternly. “I would gladly get kidnapped everyday if it means you’d be the one that saves me and I could be with you forever. Why? Because you’re worth it.”

“You’ve made me feel so happy, loved and alive all these years. When before you all I was just surviving. I love all of you so much. You call me your princess because you treat me like one. Why would I ever run away from that? …Please stop blaming yourself for what happened to me all those years ago and what happened recently. None of it was your fault. Besides! Remember what I told you all? What really harmed me that night was not the physical aspect of it. Sure it hurt. But what really made it torture was the thought that you wouldn’t save me… that you didn’t love me. But you do. So it made it worth it and I never once doubted your love for me ever again. So please never doubt mine.”

Before he could argue you cut him off with a kiss once again.

“No arguing with your wife on our anniversary. …or ever cause I’m always right anyway.” You giggle.

It caused Hongjoong to laugh too before nodding and pulling you into one last kiss.

“Alright.. I love you darling. Forever.”

“I love you more.”

“YAAAH WHAT ABOUT US??”

You turned around to see the rest of your husbands, Wooyoung in the middle all pouty.

“Oh just get in here already!” You say before they all quickly come over and wrap you two up in a big group hug.

Getting here wasn’t easy. There are also a million things that you guys went through that parts of you wish you didn’t. Sometimes you wish you all were just a normal married couple that wasn’t constantly targeted.

Yet moments like these…

Yeah.

It’s worth it.

“Sooooo ready to continue celebrating our ten years in this beautiful place my loves?” Yunho asks

“Let’s go!”

.✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ: ✧･ﾟ✧.

© mimikittysblog 2025

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[uluthrek]

2 monopoly 2 au: driftmark edition

viserys, in his usual well meaning naïveté, proposes a family game night.

larys is the one who suggests monopoly because he loves watching the world burn (literally). he does not actually participate, though, instead acting as the bank and giving viserys financial advice so horrid the poor man ends up completely insolvent after ten minutes.

rhaenyra makes a bunch of shitty investments, somehow profits enough to not completely lose and gives larys the finger every time her event cards require her to pay even a cent. larys’ tax system, that some hundred years later will be adopted by one tyrion lannister and spectacularly blow up in his face, is not acknowledged by the realm’s delight, which kind of goes without saying.

daemon owns all brown, pink and light blue properties which end up making him a fortune. he, too, refuses to pay taxes. seated between rhaenyra and viserys, every once in a while, whenever no one is looking, he reaches across the table and steals their money. alicent is the only one who sees this and is subsequently gaslit into believing she’s going insane by him when he brings it up. rhaenyra refuses to count her money out of principle.

rhaenys is in a spectacularly bad mood and the one with her dragon in the closest proximity, which is why no one even bothers to ask her to pay when she lands on someone’s property. of course she doesn’t pay taxes.

rhaena and baela have teamed up, own all orange properties and are specifically hell bent on bankrupting aegon. they’re the only ones that rhaenys actually pays. they, too, evade taxes.

jacaerys announces insolvency after ten minutes and proposes to lucerys, who accepts. this does not better their financial situation whatsoever, considering they have inherited their mother’s financial incompetence but not her stupid luck with dice. at least they’re smart enough not to pay taxes.

alicent has two dollars to her name, is the only one who respects the tax system and is royally pissed off when she finds out that the only reason that rhaenyra has more money than her is her rampant tax evasion (“where is duty? where is sacrifice?”). after a ten minute tangent about how all she has ever done is what was expected of her and snide comments about the parentage of absolutely EVERYONE in the room with her, she is reminded by rhaenys that, considering larys’ utter leniency regarding the tax system, she could just… you know… stop paying? this causes alicent to excuse herself to the kitchen and scream for five minutes straight.

two minutes into the game, daeron is jailed and never released again.

aegon is so heavily indebted that he starts offering sexual favours in exchange for loan forgiveness. the tone in which larys says “i’ll hold you to that, sweet prince!” makes rhaena audibly retch.

helaena makes everyone’s lives hell with double hotels on all her properties. no one knows where she gets all that money from. halfway through the game, she reverts to only speaking latin. her voice has dropped several octaves. lightning strikes whenever she rolls the dice. alicent, back from her screaming break, starts quietly exorcising her under the table. everyone is relieved when she eventually declares something cryptic in what may just have been german and leaves, only to return half an hour later covered in primordial goo. she walks straight past everyone to her room and for once, the entirety of house targaryen sits in silent agreement: they will never speak of this again.

aemond fights lucerys, jacaerys, baela and rhaena tooth and nail over every single one of their properties while hurling every insult he can think of at them.

about two hours in, rhaenyra and daemon barter over pennsylvania avenue in a manner so intense it makes them both horny, and they excuse themselves to the guest room. the noises that follow permanently scar alicent and turn larys on so much he doesn’t notice aegon swiping twenty dollars from the bank, which he rolls into a joint as he disappears from the table.

rhaenys sacks both rhaenyra’s and daemon’s property and adds it to that of helaena, which she has already taken for herself twenty minutes ago, effectively making her the westerosi equivalent to jeff bezos.

aemond manages to buy the boardwalk and calls baela several slurs, none of them accurate to her gender identity, sexuality or mental wellbeing, which leads to lucerys, jacaerys and rhaena chasing him with both proverbial and literal pitchforks and torches, god knows where they found those, as he makes a break for it. criston cole, who has been lounging on alicent’s handpicked ikea loveseat, model söderhamn if you’re wondering, puts down the hurling match he’s been intently watching for the last two hours and follows them.

this turns out to be an excellent call, because only ten minutes later, a hysterically sobbing aemond is missing an eye, god knows how a very much seven year old lucerys has manged to enucleate him, and alicent, actually violently swearing for the first time in her fourtysomething years of life, drives him to the emergency room.

this leaves rhaenys and viserys at the table. “just like old times, huh?” viserys says, smiling. “cut the shit, bitch.” rhaenys retaliates as she swipes alicent’s remaining funds, then grabs the bank carton, and finally relieves viserys of his money and properties as well as his crown, declaring herself the winner.

[luveline]

do u have any advice for feeling hopeless about the future? It's crazy to me to see people younger/my age with so much money like I'm 22 I thought everyone struggle at this phase of life but idk.... when I look at my future I realize I have to be so lucky to afford a house, car and traveling. why go through uni when there's people who never went and have soo much money? Im so scared of being homeless and my friend literally bought a house and she's moving out I just feel like I failed life you know and Idk what to do about that

hi honey!

I want to say starkly that I often feel very hopeless about the future, even just a few days ago I mentioned here that I don’t look forward to the future, that I’m not happy thinking about it. I think university is one of those things where it doesn’t often make a big impact anymore? like for some people it means you’ll have job security in a sector you enjoy, but if you’re like me I doubt my degree will actually make much difference, my sisters hasn’t really helped her, I do think that wealth is getting to a point where if you don’t have some sort of generational income it’s not easy to actually afford a house, a car etc, and that does make you hopeless. I understand why you feel this way (but not trying to imply that university is a farce, it’s always a good thing that we should be getting a further education) . I often think I’m not smart or hard working enough to ever make anything of my life, and while hard work and intelligence do make a difference sometimes, it’s obviously not always the case and that’s tough too. And I understand comparison too because I feel like every time I go out with friends I’m the one who’s poorly dressed wearing clothes from asda while they’re in berksha and pull and bear and stuff, but I think I cope with this hopeless feeling by trying to be fair to everyone (???) Sorry if I sound stupid but what I’m trying to make in this point is that just cos my friends are wearing expensive clothes might not mean a thing, it might just mean that’s the thing they’ve chosen to buy with the limited funds they have (and I don’t mean to erase the fact that some people can’t really make that choice, or shame people for spending their money on what makes them happy). Perhaps your friend has unseen credit cards or loans, or perhaps she is lucky or well employed and has the cash for it, but neither of those answers means that you have failed at life in my opinion! I am also very afraid of homelessness, I think I’m starkly aware that if it weren’t for my mother being willing to have me here I would indeed become homeless right now! It’s hard to feel hopeful for the future when one bad day is the difference between financial security or homelessness.

but! My advice!! Not just my agreement:

I think that to feel hopeful about the future you have to change your mindset. That answer sounds stupid in hindsight: how can you change your mindset when you’re constantly being pushed back or unlucky? And how is a changed mindset actually useful against the threat of homelessness? It really isn’t like a mindset can do that and I don’t ever mean to imply to you that you can think your happy way out of poverty because you can’t, but to cope with the hopelessness part you have to unfortunately try to find a way to cope. That’s really hard to do and I genuinely think it’s brave of you to want to move away from it. It’s really common for people living in poverty or working class people to experience mental health problems simply because the quality of life they’re experiencing is so low, but that doesn’t make those mental health issues less valid or less deserving of help and treatment, so if you did ever want to get some support, you could try long term or short term. I find that I can feel less hopeless after talking to someone about the things that are worrying me, and there are free helplines and text lines dedicated to that! The Samaritans have an email service that I can attest to being helpful and kind, the person who I talked to when I was having a hard time was very understanding and sympathetic, and there are some other ones like SHOUT which is a text line, it’s free, but they’re very busy at night in the UK so if you do want to talk to them you might have to wait a while or try at a different time. I had better luck talking to them in the mornings.

I used to be so hopeless about my future that I was suicidal (and I still am some days) for a long long period of time, and the thing that helped me escape that was one. To stop listening to sad music (it sounds stupid but it helped me personally, not sure if that’s something you wanna do) two. To delete social medias and three. to read a lot of poetry!!! Not that toxic positivity can save you, but to read and to see that other people have felt how I feel and to know they also saw and made very beautiful things is a good feeling. Some sentiments have changed the way I see the world. Like: romance ‘as a medium and not a vehicle’, seeing the world as the sun is setting, a nice laugh, and more concrete things like worrying is to suffer twice, that community starts at home, and that dishes are proof you’ve eaten a home cooked meal. You definitely don’t have to like any of the sentiments I’ve said or believe in them if you don’t want to, but I’m suggesting you find some sentiments to keep you going, not even positive things if you don’t want them to be like that!! And I always suggest poetry or if u don’t wanna read a collection, just having a look on tumblr or Pinterest at what people are saying, something you can think is very beautiful about the world if only for like three or four days! I love having something to think about for a few days when I’m sad. if that’s all shit or useless don’t worry just ignore me! And obviously sorry if it is shit and useless. Another way I’ve managed to not feel hopeless totally about the future is to explore options of things I can control. I may not be able to afford a mortgage, but I could potentially one day rent a flat. I might never meet a partner to have kids with but I can foster if I wanted (not that fostering kids is the same as having them (or not the same, depending on feeling, just that’s it’s so complicated)) to take care of someone. I think the things that you’re hopeless about (things that are linked to money and work) are VERY hard to think positively about, and I don’t blame you for feeling hopeless about them, and I know how super hard and scary it genuinely is to feel like that so I’m so so sorry you’re feeling like this. It’s hard to know you can work very hard and never feel that you’ve been paid for it, and I don’t want to tell you oh don’t worry it’ll be fine because it won’t make you feel better, because you know your situation is an intimidating one, but please know you’re not alone in your hopelessness or your fears and that so many our age are in the same boat. You aren’t failing at life life is just soooooo difficult and unfair and unlucky, it’s not your fault! You are not less deserving or less hard working!! You have nothing to be embarrassed of for not managing the same as a friend has. It doesn’t mean you never will. People say this to me all the time, you don’t have to follow any life plan. I genuinely think that if you can keep trying, you can work toward happiness, and hopefully get some much deserved help! Sorry life is so hard honey!

[not-goldy]

I dont like false narratives spreading lol jimin is a smart person, he got it all written down in a loan agreement, he can easily take that man to court and get his money back but he decided not to out of his good heart. So no he wasnt scammed, he was just forgiving

And alot of bts dvds and in the soop and bon voyage showed jm as a very careful person when it come to money

But Loan agreements need not be in writing to be enforceable

Oral agreements are enforceable too

If their laws work any way like our common law, the court can infer an enforceable agreement simply based on the conduct of the parties

Writing it down only goes to show it wasn't a gratuitous gift and that they both intended to have a legal relationship - which is one of the legal requirements for enforcing ageeements

[xettle-technologies]

What are the latest technological advancements shaping the future of fintech?

The financial technology (fintech) industry has witnessed an unprecedented wave of innovation over the past decade, reshaping how people and businesses manage money. As digital transformation accelerates, fintech new technologies are emerging, revolutionizing payments, lending, investments, and other financial services. These advancements, driven by fintech innovation, are not only enhancing user experience but also fostering greater financial inclusion and efficiency.

In this article, we will explore the most significant fintech trending technologies that are shaping the future of the industry. From blockchain to artificial intelligence, these innovations are redefining the boundaries of what fintech can achieve.

1. Blockchain and Cryptocurrencies

One of the most transformative advancements in fintech is the adoption of blockchain technology. Blockchain serves as the foundation for cryptocurrencies like Bitcoin, Ethereum, and stablecoins. Its decentralized, secure, and transparent nature has made it a game-changer in areas such as payments, remittances, and asset tokenization.

Key Impacts of Blockchain:

Decentralized Finance (DeFi): Blockchain is driving the rise of DeFi, which eliminates intermediaries like banks in financial transactions. DeFi platforms offer lending, borrowing, and trading services, accessible to anyone with an internet connection.

Cross-Border Payments: Blockchain simplifies and accelerates international transactions, reducing costs and increasing transparency.

Smart Contracts: These self-executing contracts are automating and securing financial agreements, streamlining operations across industries.

As blockchain adoption grows, businesses are exploring how to integrate this technology into their offerings to increase trust and efficiency.

2. Artificial Intelligence (AI) and Machine Learning (ML)

AI and ML are at the core of fintech innovation, enabling smarter and more efficient financial services. These technologies are being used to analyze vast amounts of data, predict trends, and automate processes.

Applications of AI and ML:

Fraud Detection and Prevention: AI models detect anomalies and fraudulent transactions in real-time, enhancing security for both businesses and customers.

Personalized Financial Services: AI-driven chatbots and virtual assistants are offering tailored advice, improving customer engagement.

Credit Scoring: AI-powered algorithms provide more accurate and inclusive credit assessments, helping underserved populations gain access to loans.

AI and ML are enabling fintech companies to deliver faster, more reliable services while minimizing operational risks.

3. Open Banking

Open banking is one of the most significant fintech trending technologies, promoting collaboration between banks, fintechs, and third-party providers. It allows customers to share their financial data securely with authorized parties through APIs (Application Programming Interfaces).

Benefits of Open Banking:

Enhanced Financial Management: Aggregated data helps users better manage their finances across multiple accounts.

Increased Competition: Open banking fosters innovation, as fintech startups can create solutions tailored to specific customer needs.

Seamless Payments: Open banking APIs enable instant and direct payments, reducing reliance on traditional methods.

Open banking is paving the way for a more connected and customer-centric financial ecosystem.

4. Biometric Authentication

Security is paramount in the financial industry, and fintech innovation has led to the rise of biometric authentication. By using physical characteristics such as fingerprints, facial recognition, or voice patterns, biometric technologies enhance security while providing a seamless user experience.

Advantages of Biometric Authentication:

Improved Security: Biometrics significantly reduce the risk of fraud by making it difficult for unauthorized users to access accounts.

Faster Transactions: Users can authenticate themselves quickly, leading to smoother digital payment experiences.

Convenience: With no need to remember passwords, biometrics offer a more user-friendly approach to security.

As mobile banking and digital wallets gain popularity, biometric authentication is becoming a standard feature in fintech services.

5. Embedded Finance

Embedded finance involves integrating financial services into non-financial platforms, such as e-commerce websites or ride-hailing apps. This fintech new technology allows businesses to offer services like loans, insurance, or payment options directly within their applications.

Examples of Embedded Finance:

Buy Now, Pay Later (BNPL): E-commerce platforms enable customers to purchase products on credit, enhancing sales and customer satisfaction.

In-App Payments: Users can make seamless transactions without leaving the platform, improving convenience.

Insurance Integration: Platforms offer tailored insurance products at the point of sale.

Embedded finance is creating new revenue streams for businesses while simplifying the customer journey.

6. RegTech (Regulatory Technology)

As financial regulations evolve, fintech innovation is helping businesses stay compliant through RegTech solutions. These technologies automate compliance processes, reducing costs and minimizing errors.

Key Features of RegTech:

Automated Reporting: Streamlines regulatory reporting requirements, saving time and resources.

Risk Management: Identifies and mitigates potential risks through predictive analytics.

KYC and AML Compliance: Simplifies Know Your Customer (KYC) and Anti-Money Laundering (AML) processes.

RegTech ensures that fintech companies remain agile while adhering to complex regulatory frameworks.

7. Cloud Computing

Cloud computing has revolutionized the way fintech companies store and process data. By leveraging the cloud, businesses can scale rapidly and deliver services more efficiently.

Benefits of Cloud Computing:

Scalability: Enables businesses to handle large transaction volumes without investing in physical infrastructure.

Cost-Effectiveness: Reduces operational costs by eliminating the need for on-premise servers.

Data Security: Advanced cloud platforms offer robust security measures to protect sensitive financial data.

Cloud computing supports the rapid growth of fintech companies, ensuring reliability and flexibility.

The Role of Xettle Technologies in Fintech Innovation

Companies like Xettle Technologies are at the forefront of fintech new technologies, driving advancements that make financial services more accessible and efficient. With a focus on delivering cutting-edge solutions, Xettle Technologies helps businesses integrate the latest fintech trending technologies into their operations. From AI-powered analytics to secure cloud-based platforms, Xettle Technologies is empowering organizations to stay competitive in an ever-evolving industry.

Conclusion

The future of fintech is being shaped by transformative technologies that are redefining how financial services are delivered and consumed. From blockchain and AI to open banking and biometric authentication, these fintech new technologies are driving efficiency, security, and inclusivity. As companies like Xettle Technologies continue to innovate, the industry will unlock even greater opportunities for businesses and consumers alike. By embracing these fintech trending advancements, organizations can stay ahead of the curve and thrive in a dynamic financial landscape.

[buycommercialpropertiesindubai]

Understanding Dubai's Residential Property Market: A Buyer's Guide

Understanding Dubai's residential property market is essential for making informed buying decisions. This buyer's guide provides an in-depth look at the key aspects of the market and tips for successful property purchases.

For more information on real estate, visit Dubai Real Estate.

Market Overview

Market Dynamics: Dubai's real estate market is dynamic and influenced by various factors such as economic growth, government policies, and global trends. Understanding these dynamics helps buyers make informed decisions.

Property Types: Dubai offers a wide range of residential properties, including apartments, villas, townhouses, and penthouses. Each property type has its own advantages and considerations.

Regulatory Framework: The Dubai Land Department (DLD) and the Real Estate Regulatory Agency (RERA) oversee the market, ensuring transparency and protecting buyers' rights. Familiarize yourself with the regulations and guidelines set by these authorities.

For property purchase options, explore Buy Residential Properties in Dubai.

Financing Options

Home Loans: Most buyers in Dubai finance their purchases through home loans. Several banks and financial institutions offer competitive mortgage rates and flexible terms. Research different lenders and compare their offers to find the best deal.

Mortgage Pre-Approval: Obtain a mortgage pre-approval to determine your budget and streamline the buying process. A pre-approval gives you a clear idea of your borrowing capacity and demonstrates to sellers that you are a serious and qualified buyer.

Down Payment: Ensure you have sufficient funds for the down payment, typically 20-25% of the property's value for expatriates. Consider additional costs such as registration fees, agent commissions, and maintenance charges.

For mortgage services, consider Mortgage Brokers UAE.

Choosing the Right Property

Location: Choose a location that aligns with your lifestyle and investment goals. Popular residential areas in Dubai include Downtown Dubai, Dubai Marina, Palm Jumeirah, and Arabian Ranches. Consider factors such as proximity to schools, workplaces, and amenities.

Developer Reputation: Research the reputation of the property developer. Established developers with a track record of delivering high-quality projects on time are usually a safer choice.

Property Condition: Inspect the property for any structural issues, maintenance needs, and potential repairs. Hire a professional inspector if necessary to ensure the property is in good condition.

For rental property management, visit Rent Your Property in Dubai.

Legal Considerations

Title Deed Verification: Ensure the property has a clear title and is free from any legal disputes or encumbrances. The DLD provides title deed verification services to help buyers confirm the property's legal status.

Sales Agreement: Review the sales agreement carefully and seek legal advice if needed. Ensure all terms and conditions are clearly outlined, including the price, payment schedule, and any additional costs.

Residency Visa: Property buyers in Dubai may be eligible for a residency visa. The visa duration and requirements vary depending on the property's value and the buyer's nationality. Consult with the DLD or a legal expert to understand the specific visa requirements and benefits.

For property sales, visit Sell Your Property in Dubai.

Market Trends and Opportunities

Sustainable Developments: There is a growing demand for eco-friendly and sustainable properties in Dubai. Developers are increasingly incorporating green building practices and energy-efficient features into their projects.

Smart Homes: The adoption of smart home technology is on the rise. Properties equipped with advanced security systems, automated lighting, and climate control are becoming more popular.

Mixed-Use Communities: Integrated communities that offer a mix of residential, commercial, and recreational facilities are gaining popularity. These developments provide residents with a convenient and holistic living experience.

Real-Life Success Story

Consider the case of Maria, an expatriate who successfully navigated Dubai's residential property market. Maria conducted thorough market research, obtained mortgage pre-approval, and chose a reputable developer. By following the guidelines outlined in this buyer's guide, Maria secured a luxurious villa in Arabian Ranches and enjoys the community's amenities and family-friendly environment.

Future Trends in Dubai Real Estate

Sustainable Developments: Developers are increasingly incorporating eco-friendly and sustainable practices into their projects. Properties with green features such as solar panels, energy-efficient appliances, and sustainable materials are becoming more popular.

Smart Homes: The adoption of smart home technology is on the rise. Properties equipped with advanced security systems, automated lighting, and climate control are becoming more popular.

Mixed-Use Communities: Integrated communities that offer a mix of residential, commercial, and recreational facilities are gaining popularity. These developments provide residents with a convenient and holistic living experience.

Conclusion

Understanding Dubai's residential property market is essential for making informed buying decisions. By staying informed about market dynamics, exploring financing options, choosing the right property, and navigating legal considerations, you can make a successful investment. For more resources and expert advice, visit Dubai Real Estate.

[divorceiswar]

Prenuptial Agreement

No one should get married without a Prenuptial Agreement in place! It doesn't matter how much or how little you have, you always have to protect yourself! You are making the biggest decision of your life to marry someone.

And second and sometimes third marriages—and the extended families that sometimes come with them—require financial and estate planning. Forty percent of new marriages include at least one spouse who was previously married. A Prenuptial agreement is especially a necessity when getting married after the first time.

There are two key issues every Prenup should address:

The first is how the assets will be divided in the event of a divorce or a death. The time to address this is before you get married. Divorce rates for second marriages, third marriages, etc. are even higher than those for first marriages. While you hope this marriage will work, you just never know. You should have at least three to six months before the wedding to work out the details and have the Prenup finalized.

The second is deciding how your personal accounts and other assets, such as real estate will be kept separate after marriage. It's crucial that you keep them separate.

Typically a Prenup will spell out what each partner is bringing to the marriage—including income, real estate, retirement savings—and whether each asset will be treated as separate or joint. Most important is that a prenup can shield one partner from any liabilities accumulated prior to the marriage, including student loans, credit card debt, and alimony and/or child support. It is very important that how to treat debt should be decided prior to the marriage and in the Prenup. In the event of a divorce, sometimes courts try to divide debt equally between the two parties. You have to be sure to protect yourself.

Any gifts given during the marriage should not be considered marital assets but should belong to the person receiving the gift.

More than one-third of adults said Prenups make smart financial sense, according to a Harris survey. “The time to plan for a divorce is not when you’re in a state of hate,” says Suzie Orman. You can’t fully protect yourself against a marital heartbreak, but at least you can protect your assets.

Be sure to have a divorce attorney write the Prenup. Just any attorney cannot know the specifics that have to go in one. It has to be done right so there are no loopholes. Unfortunately, in today's world, Prenups are being challenged in court.

[ere-the-sun-rises]

Companies pitch themselves to investors via the nebulous concept of "growth" - a percentage increase in profit year over year. Because of this, most investors don't view companies who grow slowly but steadily (small local restaurant chains, for instance) or companies that have stable profits (called "plateauing") as profitable *enough*.

This push to generate high yields throughout each quarter of a a year (three-month blocks, generally marked from when the company went public (ei. entered the stock market)) makes companies rush to generate short-term income irregardless of the issues that might cause.

Red Lobster is a good case study for how this backfires, actually. So, back in the mid-2000s, RL was sold by a restaurant conglomerate (the same one that owns Olive Garden) to an investment firm*. Because of the decent price tag attached to RL, this firm had to take out loans to acquire it, but they put RL down as collateral for them (ei. as the things the creditor can take if the loan defaults/fails). This gave RL debt it didn't have the profit to overcome. The former owners had been smart when building additional RL locations - they owned the land they were built on. So, once the firm gets a hold of it, in order to generate the cash to pay off the loan, they sold the land off under the agreement that they then rent the location from the prospective landlord. Sounds okay, right?

WRONG. Since it's a firm, they want to squeeze every bit of value out of their purchase that they can. Their food, server and location quality suffers and patrons are driven away. The firm, seeing this, cuts labour hours and food costs even more to keep up the returns they promise investors. Come mid-2010s, they've done all they can to bleed RL dry and sell it off to the first interested party - which happens to be RL's fish vendor. Is this a less awful move?

NO. While some food companies *can* handle restaurants well (General Mills, the cereal manufacturer, had in fact been the one to corporatize and spread RL in the first place), the one that now owns RL was asian and as such has no real grasp on American restaurant culture. As such, they left RL in the decaying state the firm had put it in and made some expensive specials permanent, further cutting labour to make up the expense shortfall. Needless to say, this untenable situation stopped being tenable and the comoany had to file for bankruptcy this year.

RL had been publically traded under its parent companies its whole life. In its initial stages, it was about building out the brand and therefore "growth" was a natural result. The restauranteur company sold it just passed its peak and then, when the returns weren't what the firm had *predicted* (not that there wasn't profit, and good profit, just that it wasn't *enough*), they started to hack away at the company to make up for the money they imagined they would make, that they had promised to their investors.

For a lot of companies, this is the rule. Profits must always be increasing over and above inflation. They must always seem to be the most valuable option on the market or flighty investors will fuck off elsewhere. This is marked in the company by a couple of things - constantly switching CEOs and lean or full on short staffing.

If CEOs are switching constantly, there isn't a strong guiding philosophy. They fly in, change things to look busy, then fuck off in less than a decade (usually only 5-6 year tenures). This usually fucks people at ground level, since the new bosses have no established understanding of the company and implement change for its own sake. Generally, these are behind the scenes policies like logistics, sales metrics for floor staff, shipping output, and bizarre media campaigns.

The highest cost, and the easiest in the short-term to cut, is labour. This means manufacturing, shipping and retail workers. In positions that can't be outsourced for cheaper labour, like retail, they will deliberately not hire enough or not give enough hours to management to staff properly. This goea for high-performing stores especially. You'd think if they're making the money they would get the hours, but the company will erode hours and still see profits so think they didn't actually need them. In actuality, they're just overburdening the remaining staff and burning them out - but this doesn't matter, because it's a long-term problem. They also tend to view retail employees as replaceable, so offer fewer full-time (read: benefit-entitled) positions for non-management and burn through part-timers at 35 hours a week instead of 40. But tenured employees are very valueable, since they're familiar with products, how brands have changed over time, ingredients (where applicable), sizing (most long term clothing employees can eyeball you and get a correct size) and how this brand beats the competitor.

But none of those things are valuable this quarter, so fuck 'em. Daddy's stock needs to go up and the CEO's golden parachute isn't quite gold enough yet.

(*Investment firms are exactly what they sound like - a pool of investor money leveraged to extract a profit from whatever company they own/have a stake in. Often, if an IF is the majority stakeholder, this results in them bleeding said company dry. They sell the company for parts, make a quick buck, then sell it at a loss and piss off while it dies or is significantly reduced in scale and profitability.)

[divyakamineni]

Guide: How to Secure the Best Villas for Sale in Dundigal

Purchasing a villa in Dundigal, one of Hyderabad’s rapidly developing areas, is a smart move for homebuyers looking for both luxury and practicality. With offerings like Kesineni Northscape Villas, which blend elegance and modern amenities, it’s important to follow a structured approach to ensure you make the best investment. Here’s a step-by-step guide to help you secure the ideal villa in Dundigal.

Step 1: Identify Your Needs and Preferences

Start by identifying the key features you want in your villa. Do you need more space, specific amenities, or a particular orientation of the villa? Kesineni Northscape Villas offer several options, ranging from 167 sq yds to 200 sq yds, with east and west-facing villas that suit various lifestyles. Knowing your preferences will help narrow down your search.

Step 2: Research the Location and Community

Before committing to any property, research the area. Dundigal is one of the most sought-after locations in Hyderabad, thanks to its proximity to major IT hubs, schools, hospitals, and entertainment venues. Northscape Villas are ideally located with easy access to places like the upcoming IT SEZ Electronic Park, Tech Mahindra, and educational institutions like Oakridge International School. Understanding the location's growth potential is key to making a long-term investment.

Step 3: Visit the Villas in Person

Once you’ve identified the villas you're interested in, plan a visit. Touring Kesineni Northscape Villas gives you a chance to experience the layout and amenities in person. Don’t forget to check the quality of construction, available amenities like parks, gym, swimming pools, and sports courts, and get a feel of the overall community vibe.

Step 4: Understand the Pricing and Financing Options

Price is one of the most important factors to consider. Villas for Sale in Dundigal range in price depending on the size and the features. Make sure to compare similar properties in the area. If you need financial assistance, explore home loan options. Many institutions offer attractive loan facilities for purchasing villas in emerging areas like Dundigal.

Step 5: Verify Legal Aspects and Documentation

Ensure that the property you are interested in has all the necessary legal approvals. Verify titles, ownership, and relevant approvals from municipal authorities to avoid any future legal complications. With Kesineni Northscape Villas, you can be assured that all documentation is in place for a smooth transaction.

Step 6: Make the Purchase

Once all checks are complete and financing is arranged, it’s time to make the purchase. Review the agreement carefully before signing, ensuring all terms are understood. Once everything is in order, make the necessary payments, and you’ll be ready to enjoy your new villa in Northscape Villas.

Tips for a Smooth Villa Purchase

Work with a Real Estate Agent: A professional can help streamline the process, ensure you get the best deal, and navigate legalities.

Check Future Developments: Research planned infrastructure projects around Dundigal that may impact the property’s value.

Inspect the Villa Thoroughly: Look for any hidden issues and ensure everything is in top condition before closing the deal.

Conclusion

Securing a villa in Kesineni Northscape Villas in Dundigal is an exciting opportunity for both homebuyers and investors. By following this guide, you can confidently make an informed decision and ensure a smooth purchasing process. Whether you’re drawn to the spacious villas or the exceptional amenities, Villas for Sale in Dundigal provide everything you need for a comfortable and luxurious lifestyle.

[renukamd]

Partnership Firm Registration: A Complete Guide

A partnership firm is one of the most common business structures in India, where two or more individuals come together to conduct a business and share its profits and liabilities. Registering a partnership firm provides legal recognition, making it easier to resolve disputes and access financial benefits. This guide will take you through the process, benefits, and key requirements of partnership firm registration in India.

Understanding Partnership Firms

A partnership firm is formed under the Indian Partnership Act, 1932. It is an association of two or more individuals who agree to share profits and losses according to their agreed terms. Though registration is not mandatory, a registered partnership enjoys several legal advantages.

Benefits of Registering a Partnership Firm

Legal Recognition: A registered firm can sue and be sued in its name.

Access to Loans: Many banks and financial institutions prefer registered firms for business loans.

Dispute Resolution: Courts recognise registered firms for settling partner disputes.

Partnership Deed Enforcement: In case of conflicts, a registered deed holds more legal value.

Documents Required for Registration

To register a partnership firm, you need the following documents:

Application Form (Form 1 as per state requirements)

Partnership Deed signed by all partners

Identity Proof of partners (Aadhar, PAN, Passport, etc.)

Address Proof of business (Rent agreement, Utility bill, etc.)

Passport-sized photographs of partners

GST Registration Certificate (if applicable)

4. Step-by-Step Process for Registration

Step 1: Choose a Unique Firm Name

The name of the firm should not infringe on any existing registered trademark or business name.

Step 2: Draft the Partnership Deed

The partnership deed is a legal agreement that outlines the roles, responsibilities, and profit-sharing ratio of the partners. It should include:

Name and address of the firm and partners

Nature of business

Capital contribution by each partner

Profit-sharing ratio

Rights, duties, and liabilities of partners

Dispute resolution process

Step 3: Notarize the Partnership Deed

It is advisable to get the deed notarised on stamp paper of appropriate value as per state laws.

Step 4: Submit the Application for Registration

Fill out the registration application (Form 1) and submit it to the Registrar of Firms.

Attach all required documents along with the prescribed fees.

Step 5: Verification and Certificate Issuance

Once the Registrar verifies the documents, the firm will be officially registered, and a Certificate of Registration will be issued.

Post-Registration Compliance

After registration, ensure compliance with:

GST Registration (if turnover exceeds the threshold limit)

Business Licenses (as per industry requirements)

Income Tax & TDS Compliance

Annual Filing & Audit (if applicable)

Conclusion

Registering a partnership firm is a smart move for those who want to establish a legal and structured business entity. While the process is straightforward, seeking professional assistance can help streamline it. A registered firm enjoys better legal security, financial credibility, and operational efficiency, making it a preferred choice for many entrepreneurs.

For hassle-free partnership firm registration, consult a professional service provider or visit the official state government website for more details.

[southeastmoney]

Are Miami Mortgage Brokers Worth the Fees?

In today’s fast-moving real estate market, many buyers wonder if working with professionals is a smart move. Miami Mortgage Brokers help connect buyers with lenders and offer guidance through the loan process. They charge fees for their service, and it is natural to ask if these fees are worth it. Many people find that having an expert in their corner can make a big difference in how smooth the process is.

Miami Mortgage Brokers

Miami mortgage brokers act as middlemen between homebuyers and lenders. They do not lend themselves but help buyers find the best loan options. Their role is to compare offers from various lenders to find one that fits your needs.

These brokers have access to a range of products and lenders. They use their connections and market knowledge to secure favorable terms. Their expertise often saves buyers time and can lead to better loan rates.

Mortgage brokers also help you with paperwork and the application process. They explain complex terms and guide you through each step. This personal service can reduce stress and confusion, especially for first-time buyers in the competitive Miami market.

Fees and How They Are Charged

One of the main concerns for many buyers is the cost of using a mortgage broker. These professionals earn money by charging fees, which can be a flat rate or a percentage of the loan amount, depending on the broker and the lender.

In many cases, the lender pays the fee rather than the buyer. This arrangement is common because lenders prefer to work with brokers who can bring them business. However, some brokers charge the buyer directly. It is important to ask about the fee structure upfront.

Here are some points to keep in mind about fees:

Transparency: A good broker will explain all fees in clear terms.

Comparison: Ask for a breakdown of costs before you sign any agreement.

Negotiation: Sometimes, fees can be adjusted based on your loan size or other factors.

Understanding the fee structure helps you see what you are paying for. Clear knowledge of the costs can make it easier to decide if the broker’s service is worth the price.

Benefits of Using Miami Mortgage Brokers

Mortgage brokers offer several advantages that many buyers find valuable. One key benefit is access to a wide range of loan products. Brokers work with many lenders and can quickly match your financial situation with a lender that fits your needs.

Another advantage is the time saved by working with a professional. Instead of filling out multiple applications with different lenders, the broker does much of the work for you. This can speed up the process and help you decide faster.

Consider these benefits:

Access to More Options: Brokers show you various loans, not just one.

Expert Advice: They can explain the pros and cons of each option.

Convenience: A broker handles much of the paperwork and follow-up.

For many buyers, these benefits make the fee a small price. The right mortgage broker can help you secure better terms and a smoother process, saving you money and time in the long run.

Drawbacks and Considerations

While mortgage brokers offer many benefits, there are some drawbacks to consider. First, the fees might add to your overall loan cost. If you are working on a tight budget, every dollar counts and the fee might seem like an extra expense.

Another consideration is the potential for conflict of interest. Some brokers may have agreements with certain lenders and could steer you toward loans that offer them higher fees rather than the best option for you. It is important to work with a broker who puts your interests first.

Additional points to think about:

Fee Impact: Always calculate how the fee affects your total loan cost.

Lender Ties: Ask if the broker has any preferred lenders.

Research Needed: Read reviews and get recommendations to find a trustworthy broker.

You can decide if the benefits outweigh the drawbacks by weighing these factors. It is essential to do your homework before committing to any service. Knowing what to expect can help you avoid surprises later in the process.

How Miami Mortgage Brokers Add Value

Many buyers find that Miami mortgage brokers add significant value to home-buying. Their experience in the local market is a strong asset. They know what lenders are looking for and what loan products work best in Miami.

Brokers can help you improve your application. They might suggest ways to boost your credit score or advise you on how to lower your debt-to-income ratio. Their guidance can put you in a better position to secure a good rate.

Moreover, brokers save you time by handling much of the legwork. They arrange meetings with lenders, compare offers, and even help with paperwork. This support makes the journey less stressful and more efficient. In many cases, the peace of mind that comes with having a professional by your side is priceless.

Comparing Broker Services with Direct Lender Options

It is useful to compare the service of a mortgage broker with applying directly to a lender. Direct applications are cheaper since you avoid broker fees. Direct lenders may not offer the same range of options that a broker can find.

Working with a broker means you benefit from their network. They have access to multiple lenders and can often get better terms than you would. This can lead to lower interest rates or more flexible loan options.

Consider these points:

Broader Options: Brokers can show you more loan products.

Time Savings: They handle much of the research and paperwork.

Better Terms: Their relationships with lenders may result in better deals.

Direct lenders may offer a lower upfront cost, but the overall benefit of working with a broker is greater. The improved loan terms and the smoother process often outweigh the fee.

Tips for Finding a Trustworthy Broker

If you decide to work with a Miami mortgage broker, it is important to choose one carefully. Start by requesting referrals from friends, family, or real estate agents. Personal recommendations are a great way to find someone reliable and honest.

Do your research online. Look for reviews and testimonials from past clients. A good broker will have a track record of success and positive customer feedback. This research will give you a sense of what to expect.

Here are some tips to guide your search:

Ask for References: Get in touch with past clients.

Check Credentials: Ensure the broker is licensed and has the necessary experience.

Interview Several Brokers: Talk to a few professionals to compare their services and fees.

Taking the time to choose a trustworthy broker can make a big difference in your experience. A reliable broker will be transparent about fees and work in your best interest. This step is crucial to ensure you get the help you need without any hidden surprises.

Evaluating the Cost vs. Benefits

When weighing whether Miami mortgage brokers are worth the fees, evaluating the overall cost against the benefits is important. Look at the fee structure and calculate how much you will pay over the life of your loan. Then, compare that to the potential savings from better interest rates and terms.

Consider the non-monetary benefits as well. A broker’s guidance can save you time and reduce stress. Their expert advice can help you avoid costly mistakes. These benefits might not be easy to quantify, but they are valuable.

Key factors to evaluate include:

Total Loan Cost: Factor in all fees and compare them with savings.

Time Saved: Consider how much time you save with a broker’s help.

Stress Reduction: Think about the value of a smoother, simpler process.

You can make an informed decision by examining both the numbers and the overall experience. For many buyers, the benefits of professional guidance far outweigh the fees. This evaluation is key to understanding the true value of the service.

Real-Life Examples of Broker Success

Real-life stories can help illustrate the value of working with a mortgage broker. Many Miami buyers have had positive experiences working with these professionals. Their stories show how brokers can make a challenging process easier and more efficient.

One buyer, for example, was overwhelmed by the many options available. A broker helped narrow down the choices and secured a favorable rate, saving the buyer time and money. The personal attention made the process less stressful and more transparent.

Another example is a first-time buyer who struggled to understand all the mortgage terms. With a broker’s help, the buyer learned about different loan products and chose the best one. The broker also helped with paperwork and negotiations, leading to a successful closing. These stories demonstrate that with the right help, buyers can navigate the mortgage process with confidence.

Conclusion

In conclusion, Miami mortgage brokers offer a range of benefits that can make their fees well worth it. They bring access to a wide array of loan products, expert advice, and a smoother process from start to finish. Their local knowledge and personal service can make a complex journey manageable.

[thatboomerkid]

absolute strongest possible agreement

10,000% exactly correct

i don’t really play much in the way of video games these days — as anyone who’s tried to discuss any game made or released after Castlevania: Aria of Sorrow with me can most certainly attest — but there was a time, many MANY years ago, when i was “the video game guy” in my school / grade / friend group

i was THAT nerd: i vividly remember rocking the original gold-cartridge Legend of Zelda on my olde-skool 8-bit Nes, i distinctly remember being the first dude I knew to own a SNES, and i remember very clearly that i was — FOR YEARS — the only guy i knew with a monthly subscription to both Nintendo Power AND to Electronic Gaming Monthly, which i personally think is absurd because how the fuck are you not gonna read both!?

at one point i very specifically owned three separate PlayStation 2 consoles, because that was the sort of thing it’s better to have three of than not

these did not to belong to my roommate or to my buddy or to my girlfriend or something; these three PS2s were mine (which I could choose to loan out or something if i wanted to) and i considered this a smart investment

shit i’ve even been lucky enough to work in video games for money which is the greatest feeling ever and i would go back to it in a heartbeat

ANYWAY

i have been very lucky to live though a truly amazing slice of history in terms of game history, development, and design; i don’t think it’s an absurd overstatement to say that more brilliant innovations in Games: The Abstract Concept have been made in the last 50 years than have occurred in any other epoch ever

but i feel like — from my safe vantage point way, WAY outside the industry — that the whole thing is just hollowed out and ready to collapse

i don’t know anyone who plays AAA games anymore

and i think maybe — just this once — it’s not just that i’m getting old

Unironically I think we might run into another video game crash like back in the day

[jonathanmatthew]

 How to Start Smart Contract Development: A Beginner’s Step-by-Step Guide   

Introduction

Starting with smart contract development might feel like stepping into uncharted territory, but it’s an exciting skill to pick up in 2025. This guide breaks it down into clear, manageable steps for beginners. Whether you’re curious about blockchain or aiming to build a career, you’ll find practical advice here. Expect to learn what smart contracts are, why they matter, and how to write your first one—without getting lost in jargon. Key points include choosing the right tools, grasping blockchain basics, and deploying your work safely. Let’s get you on track to create something impactful.

Key Takeaways for Beginners

Smart contracts automate agreements on blockchain, saving time and boosting trust.

You’ll need basic blockchain knowledge and a programming language like Solidity.

Testing is critical—deploy on testnets before going live.

Tools like Remix and Truffle simplify coding and deployment.

The demand for smart contract skills is skyrocketing in 2025.

What Is a Smart Contract?

Core Definition of a Smart Contract

A smart contract is a self-executing program that runs on a blockchain. It’s like a digital agreement where the rules are coded in, and once conditions are met, it acts automatically—no middleman needed. Think of it as a vending machine: insert the right coins, and you get your snack without a cashier.

How Smart Contracts Function in Practice

Smart contracts live on a blockchain, meaning they’re secure and transparent. When someone triggers the contract (say, by sending payment), the code checks if the terms are met. If yes, it executes—like transferring ownership of a digital asset. If not, it waits. This automation cuts delays and human error.

Real-World Examples of Smart Contracts

Buying a house: A smart contract could release funds to the seller only when ownership transfers, all tracked on blockchain.

Gaming: They manage in-game items like NFTs, ensuring fair trades.

Voting systems: Used to tally votes securely without fraud.

What Is a Smart Contract in Blockchain?

Blockchain’s Role in Smart Contracts

Blockchain is the backbone of smart contracts. It’s a decentralized ledger that records every action, making tampering nearly impossible. This setup ensures smart contracts are trustworthy and visible to all parties, unlike traditional paper deals.

Key Features of Blockchain-Based Contracts

Immutable: Can’t be changed once set.

Transparent: Everyone sees the terms.

Decentralized: No single point of control.

Consensus-driven: Network nodes agree on the outcome, adding reliability.

Popular Blockchains Supporting Smart Contracts

Ethereum: Solidity language, wide adoption.

Cardano: Plutus for precise contracts.

Solana: Rust for speed. Each has strengths—Ethereum’s community, Cardano’s security, Solana’s efficiency—pick based on your goals.

What Is Smart Contract Development and Why Learn Now in 2025?

Defining Smart Contract Development

Smart contract development is coding these automated agreements for blockchain. It blends programming with blockchain know-how to build systems that execute deals independently. You’re creating the future of trust in tech.

Trends Driving Demand in 2025

By 2025, industries like finance, gaming, and supply chains lean hard into blockchain. Companies want decentralized solutions, and smart contracts fit the bill. Job postings for developers are surging, with businesses racing to adopt this tech.

Career Benefits of Learning Smart Contract Skills

High-paying roles or freelance global projects.

Gain a rare, in-demand talent.

Work with startups, big tech, or your own ventures.

Be part of a growing field with endless potential.

Why Are Smart Contracts Important?

Impact on Business and Finance

Smart contracts streamline payments, loans, and trades by cutting out banks or brokers. Businesses save on fees and time, while finance gets faster, like instant loan approvals based on coded rules.

Advantages in Security and Efficiency

Security: Resistant to hacks and fraud.

Automation: Reduces disputes.

Efficiency: No paperwork or waiting for approvals.

Industries Transformed by Smart Contracts

Supply Chains: Track goods transparently.

Healthcare: Secure patient data and automate billing.

Entertainment: Ensure fair royalty payments.

What Sets a Smart Contract Developer Apart from the Start?

Essential Skills for Success

Coding basics (Solidity or Rust).

Blockchain literacy.

Problem-solving skills.

Familiarity with tools like Remix or Hardhat.

Mindset of a Top Smart Contract Developer

Curiosity: Always learning.

Patience: Debugging is key.

Security-first approach: Think like an attacker to spot flaws early.

Common Beginner Mistakes to Sidestep

Skipping testing—untested code can fail live.

Overcomplicating your first contract—keep it simple.

Ignoring gas costs—Ethereum fees can burn funds fast.

Step-by-Step: Writing Your First Smart Contract

Step 1: Learn Blockchain Basics Before You Code

Grasp how blockchain records data and verifies actions. Study decentralization and consensus—free resources like YouTube or Ethereum.org are goldmines for this.

Step 2: Pick the Right Programming Language

Solidity: Beginner-friendly, widely used on Ethereum.

Rust: Suits Solana for speed. Start with Solidity for its community support and tutorials.

Step 3: Set Up Your Coding Environment

Install Node.js and VS Code.

Use Remix (web-based IDE) or Truffle (full dev suite) for easy testing.

Step 4: Create a Simple Contract

Try a basic storage contract in Solidity: store a number and retrieve it. Deploy it on Remix to see it work. Keep it minimal to build confidence.

Step 5: Test and Improve Your Work

Use testnets like Ropsten to run contracts safely.

Check for bugs, optimize gas usage, and tweak based on results.

Testing is your safety net.

What Tools Make Building Smart Contracts Easy for Beginners?

Best Tools for Writing Smart Contracts

Remix: Simple interface for coding and testing.

Truffle: Full dev suite.

Hardhat: Speeds up debugging and deployment.

How Tools Simplify the Process

They handle compiling, testing, and deploying, so you focus on logic. Built-in templates and error checks catch issues early, saving headaches.

Getting Started with Your Toolkit

Open Remix online, write a sample contract, and test it in minutes.

Download Truffle via npm for bigger projects.

Play with each to find your fit.

Where to Deploy Your Smart Contract Safely?

Choosing Between Testnets and Mainnets

Testnets (like Rinkeby): Free to experiment.

Mainnets (like Ethereum): Live, costs real crypto—start with testnets to practice.

Top Platforms for Deployment

Ethereum’s testnets: Beginner staples.

Cardano’s KEVM testnet: For precise contracts.

Malgo on Algorand: Easy and fast deployment.

Why Malgo Stands Out for Beginners

Malgo, built for Algorand, simplifies syntax and cuts deployment costs. Its clear docs and fast blockchain make it a top pick for newbies.

Final Thoughts

Smart contract development opens a gateway to a future where trust is coded, not negotiated. As you take your first steps, you’re joining a movement reshaping how we trade, play, and work. The path is straightforward—learn the basics, code with care, test thoroughly, and deploy wisely.Start Your Smart Contract Development Today with Malgo!Why Malgo is the Best Choice for Smart Contract Development?It blends simplicity with power, offering beginners a smooth start on Algorand’s lightning-fast blockchain. Low fees, clear guides, and quick execution make it a standout. Begin today, and you’ll soon craft contracts that ripple across industries—your potential is limitless.

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