#Special financing offers

[netincomesource]

Firestone Credit Card : Unlocking the Benefits

Hello guys Welcome to our comprehensive guide to the Firestone Credit Card! In this article, we’ll delve into the various benefits and advantages of owning a Firestone Credit Card, helping you make an informed decision about whether it’s the right choice for you. the Firestone credit card Firestone offers two versions of its credit card a master card and a private label card the master card can…

[cedarstreet]

Why does everything feel like a lucid dream

Trapped inside my own head

I hope I find my way around wonderland

Rippling remembrance in reflecting pools

Could I be stuck here? And if I am

Do I have what it takes to be me

And not just another plains Jane

[tgbsmumbai]

Top 3 PGDM Specializations That Are Always In Demand

The evolution and digitisation of almost every business sector have led to the introduction of new specialisations. Currently, there are more than 10 specialisations that students can choose to pursue. But out of all the new PGDM specializations, the holy trinity of PGDM in Finance, Marketing, and Human Resources is still in demand and always will be.

In this blog, we'll go into each of these specialisations in detail, their importance, their important roles, and the reasons why companies need a combination of knowledge in all three areas to have a competitive edge and experience sustained growth.

The Essential Role of PGDM in Human Resources (HR)

The management of human resources is essential for forming company culture, developing talent, and increasing worker engagement and output. To complete these duties, HR professionals need not only technical skills but also good soft skills like communication and problem-solving skills during theirPG Diploma in HR.

HR topics covered in PGDM curriculum:

Compensation and Benefits

Cross Cultural Management

Labour Laws & Industrial Relations

Human Resource Information System

Talent Management & Development

Implementing both technical knowledge students learned during their PGDM course and managerial skills become proficient in handling a variety of HR tasks, including hiring, training, performance management, and employee relations.

The Essential Role of PGDM in Finance

Finance management is at the core of any organisation, no matter how large or small the organisation. It directs strategic decision-making and guarantees growth and stability in the financial system.

Finance topics covered in PGDM curriculum:

Managerial Economics

Financial Planning

Wealth Management

International Finance

Aspects of Taxation

Financial Risk Management

These topics taught during PGDM in Finance produce professionals that are essential to maximising shareholder value and optimising resource allocation, from capital allocation to budget planning. They also help to navigate financial markets, manage cash flows, and boost profitability.

The Essential Role of PGDM in Marketing

No matter how innovative or revolutionary your business idea is, it won’t become mainstream until and unless you have an effective and creative team of marketers. Brand awareness, customer engagement, and revenue generation all depend on marketing management. PGDM in Marketing professionals can create and implement marketing strategies, carry out market research, introduce new goods, and improve marketing campaigns.

Marketing topics covered in PGDM curriculum:

B2B Marketing

Customer Relationship Management

Digital Marketing

Consumer Behaviour

International Marketing

These topics help professionals create these creative marketing ads and camps. Marketing experts use digital marketing channels, social media, and data analytics to reach target audiences and increase sales, which benefits the company as a whole.

The Relationship Between Finance, Marketing, and HR

Despite their apparent differences in job descriptions and PGDM course syllabus, marketing, finance, and human resources are actually complementary and closely related fields.

HR specialists work with finance to make sure that talent investments lead to business performance by coordinating human capital plans with financial goals.

Similarly, marketing and finance collaborate to optimise marketing spend, measure marketing ROI, and allocate resources wisely.

Organisations can increase their efficiency, creativity, and competitiveness in the market by encouraging cooperation and synergy between various departments.

Conclusion

The core competencies of successful company management are HR, Finance, and Marketing, the three traditional and in-demand PGDM specializations. Every specialisation contributes to the organisation's overall performance by bringing distinct knowledge and viewpoints to the table. In today's fast-paced business world, firms can drive innovation, negotiate complexity, and achieve sustainable development by investing in individuals with a combination of HR, finance, and marketing capabilities.

If you are someone interested in pursuing a PGDM in either Marketing, Finance or HR, you have to check out Thakur Global Business School. They are one of the best PGDM offering colleges in Mumbai, with a world-class campus, experienced faculty members, and an annually updated curriculum. They also regularly organise activities like guest sessions, workshops, and certification programmes to help students gain insights outside of textbooks. Visit their website to learn more about their admission process and hostel facilities.

[mostlysignssomeportents]

Paying consumer debts is basically optional in the United States

The vast majority of America's debt collection targets $500-2,000 credit card debts. It is a filthy business, operated by lawless firms who hire unskilled workers drawn from the same economic background as their targets, who routinely and grotesquely flout the law, but only when it comes to the people with the least ability to pay.

America has fairly robust laws to protect debtors from sleazy debt-collection practices, notably the Fair Debt Collection Practices Act (FDCPA), which has been on the books since 1978. The FDCPA puts strict limits on the conduct of debt collectors, and offers real remedies to debtors when they are abused.

But for FDPCA provisions to be honored, they must be understood. The people who collect these debts are almost entirely untrained. The people they collected the debts from are likewise in the dark. The only specialized expertise debt-collection firms concern themselves with are a series of gotcha tricks and semi-automated legal shenanigans that let them take money they don't deserve from people who can't afford to pay it.

There's no better person to explain this dynamic than Patrick McKenzie, a finance and technology expert whose Bits About Money newsletter is absolutely essential reading. No one breaks down the internal operations of the finance sector like McKenzie. His latest edition, "Credit card debt collection," is a fantastic read:

https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/

McKenzie describes how a debt collector who mistook him for a different PJ McKenzie and tried to shake him down for a couple hundred bucks, and how this launched him into a life as a volunteer advocate for debtors who were less equipped to defend themselves from collectors than he was.

McKenzie's conclusion is that "paying consumer debts is basically optional in the United States." If you stand on your rights (which requires that you know your rights), then you will quickly discover that debt collectors don't have – and can't get – the documentation needed to collect on whatever debts they think you owe (even if you really owe them).

The credit card companies are fully aware of this, and bank (literally) on the fact that "the vast majority of consumers, including those with the socioeconomic wherewithal to walk away from their debts, feel themselves morally bound and pay as agreed."

If you find yourself on the business end of a debt collector's harassment campaign, you can generally make it end simply by "carefully sending a series of letters invoking [your] rights under the FDCPA." The debt collector who receives these letters will have bought your debt at five cents on the dollar, and will simply write it off.

By contrast, the mere act of paying anything marks you out as substantially more likely to pay than nearly everyone else on their hit-list. Paying anything doesn't trigger forbearance, it invites a flood of harassing calls and letters, because you've demonstrated that you can be coerced into paying.

But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.

This means that the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, debt collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."

Here's how this debt market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning that varies with each issuer), then your debt will be sold to a collector. It is packaged in part of a large spreadsheet – a CSV file – and likely sold to one of 10 large firms that control 75% of the industry.

The "mom and pops" who have the other quarter of the industry might also get your debt, but it's more likely that they'll buy it as a kind of tailings from one of the big guys, who package up the debts they couldn't collect on and sell them at even deeper discounts.

The people who make the calls are often barely better off than the people they're calling. They're minimally trained and required to work at a breakneck pace. Employee turnover is 75-100% annually: imagine the worst call center job in the world, and then make it worse, and make "success" into a moral injury, and you've got the debt-collector rank-and-file.

To improve the yield on this awful process, debt collection companies start by purging these spreadsheets of likely duds: dead people, people with very low credit-scores, and people who appear on a list of debtors who know their rights and are likely to stand on them (that's right, merely insisting on your rights can ensure that the entire debt-collection industry leaves you alone, forever).

The FDPCA gives you rights: for example, you have the right to verify the debt and see the contract you signed when you took it on. The debt collector who calls you almost certainly does not have that contract and can't get it. Your original lender might, but they stopped caring about your debt the minute they sold it to a debt-collector. Their own IT systems are baling-wire-and-spit Rube Goldberg machines that glue together the wheezing computers of all the companies they've bought over the last 25 years. Retrieving your paperwork is a nontrivial task, and the lender doesn't have any reason to perform it.

Debt collectors are bottom feeders. They are buying delinquent debts at 5 cents on the dollar and hoping to recover 8 percent of them; at 7 percent, they're losing money. They aren't "large, nationally scaled, hypercompetent operators" – they're shoestring operations that can only be viable if they hire unskilled workers and fail to train them.

They are subject to automatic damages for illegal behavior, but they still break the law all the time. As McKenzie writes, a debt collector will "commit three federal torts in a few minutes of talking to a debtor then follow up with a confirmation of the same in writing." A statement like "if you don’t pay me I will sue you and then Immigration will take notice of that and yank your green card" makes the requisite three violations: a false threat of legal action, a false statement of affiliation with a federal agency, and "a false alleged consequence for debt nonpayment not provided for in law."

If you know this, you can likely end the process right there. If you don't, buckle in. The one area that debt collectors invest heavily in is the automation that allows them to engage in high-intensity harassment. They use "predictive dialers" to make multiple calls at once, only connecting the collector to the calls that pick up. They will call you repeatedly. They'll call your family, something they're legally prohibited from doing except to get your contact info, but they'll do it anyway, betting that you'll scrape up $250 to keep them from harassing your mother.

These dialing systems are far better organized than any of the company's record keeping about what you owe. A company may sell your debt on and fail to keep track of it, with the effect that multiple collectors will call you about the same debt, and even paying off one of them will not stop the other.

Talking to these people is a bad idea, because the one area where collectors get sophisticated training is in emptying your bank account. If you consent to a "payment plan," they will use your account and routing info to start whacking your bank account, and your bank will let them do it, because the one part of your conversation they reliably record is this payment plan rigamarole. Sending a check won't help – they'll use the account info on the front of your check to undertake "demand debits" from your account, and backstop it with that recorded call.

Any agreement on your part to get on a payment plan transforms the old, low-value debt you incurred with your credit card into a brand new, high value debt that you owe to the bill collector. There's a good chance they'll sell this debt to another collector and take the lump sum – and then the new collector will commence a fresh round of harassment.

McKenzie says you should never talk to a debt collector. Make them put everything in writing. They are almost certain to lie to you and violate your rights, and a written record will help you prove it later. What's more, debt collection agencies just don't have the capacity or competence to engage in written correspondence. Tell them to put it in writing and there's a good chance they'll just give up and move on, hunting softer targets.

One other thing debt collectors due is robo-sue their targets, bulk-filing boilerplate suits against debtors, real and imaginary. If you don't show up for court (which is what usually happens), they'll get a default judgment, and with it, the legal right to raid your bank account and your paycheck. That, in turn, is an asset that, once again, the debt collector can sell to an even scummier bottom-feeder, pocketing a lump sum.

McKenzie doesn't know what will fix this. But Michael Hudson, a renowned scholar of the debt practices of antiquity, has some ideas. Hudson has written eloquently and persuasively about the longstanding practice of jubilee, in which all debts were periodically wiped clean (say, whenever a new king took the throne, or once per generation):

https://pluralistic.net/2020/03/24/grandparents-optional-party/#jubilee

Hudson's core maxim is that "debt's that can't be paid won't be paid." The productive economy will have need for credit to secure the inputs to their processes. Farmers need to borrow every year for labor, seed and fertilizer. If all goes according to plan, the producer pays off the lender after the production is done and the goods are sold.

But even the most competent producer will eventually find themselves unable to pay. The best-prepared farmer can't save every harvest from blight, hailstorms or fire. When the producer can't pay the creditor, they go a little deeper into debt. That debt accumulates, getting worse with interest and with each bad beat.

Run this process long enough and the entire productive economy will be captive to lenders, who will be able to direct production for follies and fripperies. Farmers stop producing the food the people need so they can devote their land to ornamental flowers for creditors' tables. Left to themselves, credit markets produce hereditary castes of lenders and debtors, with lenders exercising ever-more power over debtors.

This is socially destabilizing; you can feel it in McKenzie's eloquent, barely controlled rage at the hopeless structural knot that produces the abusive and predatory debt industry. Hudson's claim is that the rulers of antiquity knew this – and that we forgot it. Jubilee was key to producing long term political stability. Take away Jubilee and civilizations collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Debts that can't be paid won't be paid. Debt collectors know this. It's irrefutable. The point of debt markets isn't to ensure that debts are discharged – it's to ensure that every penny the hereditary debtor class has is transferred to the creditor class, at the hands of their fellow debtors.

In her 2021 Paris Review article "America's Dead Souls," Molly McGhee gives a haunting, wrenching account of the debts her parents incurred and the harassment they endured:

https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/

After I published on it, many readers wrote in disbelief, insisting that the debt collection practices McGhee described were illegal:

https://pluralistic.net/2021/05/19/zombie-debt/#damnation

And they are illegal. But debt collection is a trade founded on lawlessness, and its core competence is to identify and target people who can't invoke the law in their own defense.

Going to Defcon this weekend? I’m giving a keynote, “An Audacious Plan to Halt the Internet’s Enshittification and Throw it Into Reverse,” today (Aug 12) at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!

https://info.defcon.org/event/?id=50826

I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act

[tarotwithavi]

I get money, I am a star

How can you make more money? How can you attract abundance into your life?

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

How to choose a pile?

Close your eyes and take a deep breath and ask the angels to show you the right pile for you and open your eyes. The first pile that catches your attention is the right pile for you.

This is a general reading, so take what resonates and leave what doesn't.

Masterlist 💌 paid services

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THANK YOU SO MUCH FOR YOUR LOVE AND SUPPORT 🫶🏻❤️

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

PILE 1

You have a special ability to attract people, and that's because the way you see and understand life is very different from everyone else. I'm also getting the message that you can use your unique perspective and appearance to earn more money. For example, you could become a social media influencer or start your own blog where you share your opinions with others. You might even consider writing articles or books to share your knowledge, which could also help you earn more.

You have a talent or skill that could lead to great financial success. All you need to do is focus on developing it. This might seem like a random message, but I sense that some of you have hacking skills that could be used to catch online predators. You could make money while also doing something good for society, and you can do this without revealing your identity.

I also heard the phrase “secret superstar,” which might have special meaning for some of you.

You can attract abundance into your life just by being yourself. You don’t have to follow strict instructions on how to manifest things. You are fully capable of discovering new methods that work for you when it comes to manifestation. Remember, sometimes you need to "fake it till you make it." Don’t worry about what others might think or say; be the most confident and imaginative version of yourself. Believe in the impossible, and you’ll see it become reality. Dream big, and don’t hesitate to manifest the most outrageous things, even those that seem out of reach.

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

PILE 2

I see that some of you are thinking about choosing a business major in college, and I want you to know that this is a great choice for you. I got the message that you have the potential to make more money by helping others learn how to manage and grow their own money. You could become a freelancer, offering advice on how to use money wisely, or you might even start a course where you teach people how to invest and handle their finances.

You have a special knowledge or skill that could be valuable to others, and you could exchange this knowledge for money. Some of you might also be excellent teachers, guides, gurus, or counselors. You hold the key to success—your ideas, inspirations, and whatever thoughts come to your mind right now could be what lead you to success.

I also see that some of you don't feel the need to make a lot of money; you just want to earn enough to live a good, comfortable life. You don't necessarily desire a luxurious lifestyle. Some of you could even become great spiritual teachers.

You can attract abundance into your life by growing spiritually. However, I also notice that some of you have been slacking on your spiritual practices. For example, something you used to do regularly, like manifestation, meditation, or journaling, you now barely do once every two weeks. These practices help keep you emotionally stable. If you start doing them regularly again, you'll notice a significant change in the energy around you.

At this moment, you need to focus on your studies and avoid chasing temporary pleasures. Concentrate on the things that will bring you long-term fulfillment and happiness.

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

PILE 3

You need to break free from the cycle you're currently stuck in, and I'm getting the message that this may be connected to your ancestors. It’s possible that your family has experienced a fluctuating cycle of wealth and poverty over time. As a result, you might be afraid of making more money because you fear that you’ll end up facing the same ups and downs as your ancestors did.

I also see that you have a mindset of lack when it comes to money, and this needs to change. If you don’t shift your thinking, you may struggle to manifest more money in your life. Another issue is that you tend to overspend on things you want but don’t really need. Then, when it comes time to spend on something you actually need, you might find yourself short of money. It’s important to learn how to manage your finances better so that you have enough money for both what you want and what you need.

Some of you might be thinking about starting a business or entering a partnership with someone. This could be a good opportunity, but you need to be very careful about who you choose to partner with. For others, starting your own business could be a great option. I see that some of you are considering businesses related to jewelry, clothing (especially thrifted clothes), or decorative items.

You also need to let go of habits or memories that are no longer serving you. You can attract abundance by releasing an addiction or behavior that is holding you back. For instance, I see that some of you may be spending too much time on social media or on your phones. You need to be mindful of how much time you’re wasting on these activities. Instead, invest your time in something that will benefit you. If something isn't adding value to your life, don’t waste your time on it.

＊*•̩̩͙✩•̩̩͙*˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙˚˚*•̩̩͙✩•̩̩͙*˚＊*•̩̩͙✩•̩̩͙*˚˚*•̩̩͙✩•̩̩͙*˚＊

[evalesco-1999]

What is a good way to come up with a personal finance plan?

Following a strategy like the 50/30/20 rule could be helpful in this situation. The concept entails allocating 50% of your income to fixed expenses, 30% to variable expenses, and 20% to savings accounts. Every month, review your budget and make any required adjustments.

Set monetary objectives.

Always be sure to understand why you are saving your hard-earned money. Utilize our worksheet for financial objectives to help you consider it.

Establish a budget.

Take this as your monthly cash flow forecast and investment strategy.

Make retirement plans.

Consider what you want your money to do for you when you retire, even if it's a long way off, and build a strategy to make it happen.

Make retirement plans.

Consider what you want your money to do for you when you retire, even if it's a long way off, and build a strategy to make it happen.

Keep a personal balance sheet up to date.

[tarotwithdanise]

THE BLESSING THAT IS COMING ON YOUR WAY IN THE NEXT 30 DAYS.

꒰⠀from left to right ; intuitively choose the pile your mind, heart and soul desire for. if you are having trouble choosing the right pile for you, here’s some tips you can do ; (1) take a deep breath (2) close your eyes (3) ask guidance from your guides (4) finally open your eyes and you can choose the right pile for you by the guidance you ask from your guides. if you are still having trouble by choosing the right pile for you let me know because i am willing to help and guide you.

1 - 2 - 3

4 - 5 - 6

reader's note: you can choose more than a pile.

PILE ONE

what a very incredibly energy coming up for this pile! i think a lot of rough things have been through with you in the past weeks or months however as i sense here, you may receive an unexpected friendship with someone or a group of people that may continues to grow further until lifetime. i am not quite sure enough if this connection is about literal "love" or it's just a pure friendship however it's gonna bring so much joy and confident about you as this person or people make you feel belong, counted and loved. this is a type of new beginning relationships for some of you however it seems like there's something off about your energy here, it seems like you cannot accept this friendship instantly because you may have this trust issues because maybe there's something terrible happened from your past but i know you'll get throughout this. you may cut off relationship with someone who hold a female energy and you may considered this individual toxic or you may receive an apology from this person. the number 9 and 4 (94) is significant for this pile.

PILE TWO

what a gentle surprise for this pile people. i sense that you maybe worrying too much about your finances but i'mma here to say that you gonna find incredibly balance about your finances in the next days. i sense that you may struggle a lot about your money however you may find yourself in the position in a month or next days in a better place, well, it may not be that better as be soft and a fresh of breath an air just like a millionaire but it's enough to cover all of your basic needs. besides, you may already decided to break off your wants to start saving up more money. my spirit guides advice you to do moves and make sure to welcome abundance in your life.

PILE THREE

this may seem like it has a little aura energy of the first pile, so, if you find it attractive, you already know what to do. i sense two things here, (1) is reunion and the (2) other one is you reap what you sow. let me explain the first energy. so, this first energy coming from this pile is about reconciliation with someone, this person is somewhat from your past that lose connection with. well, it can be an ex partner or an old friend. perhaps, i don't detect any harmful energy from this reunion but a delightful moment of joy. the second energy is about collecting and reaping what you have worked hard for in the present, this seems like a feeling of self-fulfillment of accomplishing a certain milestone that you may struggle to achieve of. what blessing you may achieve in the next days, you may find it a solution to your problem. as well that you might start to express yourself through art more in the next few days.

PILE FOUR

recognition. is there any chance that you may be trying to be a star or an influencer on social media? or maybe this was all a dream and perhaps maybe a sense of me seeing that energy haha however if it's a "yes" then you will be giving an opportunity to be appreciated by some people. you may be attracting a lot of people especially suitors but be careful because not all of them have good intentions towards you. i also see here that you may receive something special or offer from someone that will bring a smile to your face.

PILE FIVE

a huge spiritual glow is what i'm getting for this pile. there's an action here that you may be a group of spiritual groups recruiting you or if not, there's a big influence into your spiritual gift that may heal or if not, then it can help people in some way by guiding and giving advice to them. you gonna feel that power in the next upcoming days and weeks, you gonna feel that the energy feels like shifting. just a reminder to take care of your body especially your because it may hurt a lot this days or for the upcoming ones. you gonna receive a strong protection from your spirit guides and angels.

PILE SIX

someone who has unsafe and destructive intentions is about to be removed into your life. this person has been eyeing you for a long time now and they're about to be cut off totally. this person is somewhat causing you harm for making you feel insecure about your physical and mental health. it can also be that this person might deceit and lied about you in the past that may cause you loss of trust towards them. so, after this person is out of your life. a new beginning is about to start, just be willing to embrace change and strive for your own personal growth. in the next weeks, you gonna find yourself mostly your mental health in it's best and steady aiming for peacefulness.

© tarotwithdanise ── all rights reserved. do not copy, translate, alter, or repost my work with or without my explicit permission.

[st4rtar0t]

Random messages for you

DM to purchase a reading. currently offering donation based readings including special offer for Indians.

Picture 1

I see that some of you will literally be changing home this year or you may have live away from your parents for sometime. for others of you I see that you will be making a new addition to your home. ALSO you need to clean your doorstep, especially if you have a lot of shoes there. remove unwanted things from your home. You may face some kind of opposition in the upcoming days, spirit is telling you to stand your ground and DO NOT BACK DOWN. I see that some of you will be getting a lot of recognition this year. This will ignite a lot of intense emotions in other people for you, some will love you and some may hate you. Some of you are dealing with a two faced friend, yes that person that came into your mind right after you read this. They may have cat like features for some. Invest in high quality food. Do not joke around with your health. This year is good for you if you want to start something new. I see that you will be getting a lot of creative ideas. If you are planning to go somewhere try to wear red or include flowers in your outfit. Some of you may receive flowers form a friend or lover. your favourite ones. Take extra care of your hands these days.

Picture 2

Okay so for you I see that you need to be extra careful about everything. Its not the time for you to take risks and if you do take risks you may end up regretting in the future. I also see that some of you may even win a lottery of you may get some money from your elders as a gift. I see that you may get a chance to travel overseas this year. If you have been asking if you are on the right path, YOU ARE, I kept getting this message. I see that some of you are running from your problems, you need to understand that running away from your problems will only make them worse. You may get invited to some sort of celebration or party, do not even think about rejecting this offer, you will make a lot of connections from this event. You may face some kind of fraud especially if you own a small business so be careful of people darling. They don't always have the best intentions. You are also being encouraged to go on a trip with your friends or family. This months will be the moth for intense character development for you. A lot of new lessons will be learned. Also be extra careful around sharp objects.

Picture 3

I see that some of you will be receiving some kind of precious gift from somebody you love, this doesn't necessarily mean expensive gift, it may be a handmade gift. Fruits are going to be really significant this month, especially grapes. You will be rewarded for something you did a long time ago, this may be something you started in 2020. Some of you will be meeting someone really significant, may be some kind of partnership involved. Something or someone is restricting you from acknowledging your potential, this may be a habit, a person or some kind of obsession. Be careful of energy vampires around you. Learn to preserve things, learn sustainability, it will be helpful for you. If you are looking for something you lost, look into that white bag in your room. Your guides communicate through birds and nature, dove more specifically. Somebody who has a V in their name, born in July or an Aries will be asking you out. If you are single you are not going to be single for long, if you are already in a relationship things may get more passionate between you are your partner. Btw pay attention to your finances.

[highdefhoetry]

the strawhat pirates when they realize they love you.

summary: gender neutral reader. something wholesome for a change. this can be interpreted as platonic, romantic, or whatever other kind of relationship you want!

luffy knows you’re going to be one of his best friends as soon as he meets you. the two of you hit it off right away, spending almost every waking minute together laughing, eating, or doing some stupid shit like pulling rubber stunts on the deck after seeing who could chug the most juice. he wins at almost every game you play, but he never makes you feel like a sore loser. when you’re not around, he’s bored out of his mind waiting for you to get back. and when you’re together again, all hell breaks loose. the two of you get into a lot of trouble, but it’s worth getting a scolding from the rest of the crew. being with him is just so fun! 

usopp realizes what’s going on while he’s building a trinket for you. he stares at the empty space beside him at his work desk, suddenly missing your presence and feeling the weight of your absence. he got so used to you barging into his workshop, asking about every little piece and part strewn about and how everything fits together, that now it feels almost empty without you. you're the only one that shows an interest in his engineering. you're the only one that listens to his tall tales and actually believes in him. you're the only one that looks up to him as a hero. and when he does realize why he's got this fluttery feeling in his chest, all he can do is smile. he’ll make sure to build you the best weapon a warrior can wield!

it takes time for zoro to make sense of his feelings. he’s not a mushy guy, and he’s good at keeping his emotions in check. but that changes when you come along. he’s always been a loner, preferring time away from others to focus on training and growing even stronger, so it was difficult for him to adjust when you suddenly started hanging around him. but in time, he realizes that he doesn’t mind your company. he’s not much of a talker, but he finds himself blabbering on and on when you ask him about swordsmanship and combat. it’s the only chance he gets to talk about his life’s work. he even offers to train you, if you’re willing to go through his bootcamp of hell. that’s when it hits him; you’re something special. no one else gets to be this close to him. no one else gets him talking like this. no one else makes his heart soar, except for you.

sanji knows he loves you as soon as he starts memorizing all your favorite dishes. after his initial infatuation with you wears off, something deeper takes its place. a rich, decadent feeling of care that tastes oh so sweet. he hates when people come in the kitchen while he’s cooking and always kicks them out no matter who they are, but for some reason he can’t say no when he sees your face pop in. his heart melts when you offer to help him prep, and he swoons when he watches you chop vegetables or stir the simmering sauce for him on the stovetop. he doesn’t mind if the ingredients are misshapen, or if the minced veggies aren’t exactly minced. the food you make together always tastes amazing.

nami knows you’ve got her wrapped around your finger when you ask her for money and she doesn't say no. she always keeps a tight fist when it comes to finances, but for some reason she just doesn't have the heart to refuse. she’ll still make a fuss and complain; she worked hard to steal that cash, damn it! why would she just hand it over?! but one look into those eyes of yours and she’s done for. she’ll grumble about a 300% interest rate as you grab the cash from her hand, but she’ll forget all about it when you come back with that new thing you’d been eyeing in town for weeks. she’ll sigh, ask you to show it to her, and decide to waive the fees for now when she sees that wide smile on your face. seeing you happy is priceless.

robin knows she’s got it bad when she finds herself smiling for no reason every time you come around. you show great interest in her archeology studies, listening intently as she rambles about ancient polyglyphs and civilizations lost to time. with you, she feels like she can finally pass down her extensive knowledge to someone who is just as passionate about history as she is. the two of you often sit together in comfortable silence reading books about bones and artifacts, and while your face is buried between the pages, she’ll glance over and watch you with a small smile. her heart warms when she sees the focus and passion on your face. finally, she has a friend that will never leave her side.

[astroeleanor]

Astrology of Wealth: Zodiac Placements Who Marry into Money

Have you ever wondered if the stars align for you to marry into wealth or find a rich partner? Your Birth Chart may offer some insights into this fascinating possibility. This post delves into specific birth chart placements that suggest whether you have a higher likelihood of dating or even marrying into wealth.

DISCLAIMER: having at least 3 of the placements below can indicate a high chance of dating/marrying rich. If your rising sign is Libra, Taurus, Leo or Pisces & your 8H and 8H Ruler are in a favorable condition, you have a bonus point!

PISCES & LIBRA RISING (Venus-ruled 8th house)

The 8H is associated with shared resources, including wealth accumulated through marriage or partnerships. Venus ruling this house emphasizes the importance of harmony, love & financial stability in intimate relationships. With this placement, you may attract partners who possess financial resources or have a strong desire to share their wealth with you as their spouse.

*too broad to be an indicator on its own

JUPITER OR VENUS IN THE 7H

The 7th house represents partnerships, including marriage. When Jupiter or Venus are well-aspected in the 7th house, it suggests that relationships play a significant role in your life, especially in terms of personal growth and financial prosperity. Having this placement may indicate the potential to attract partners who are generous, fortunate, or financially well-off.

TAURUS & LEO RISING (Jupiter-ruled 8th house)

Jupiter ruling the 8th house can indicate the possibility of experiencing abundance in shared resources. Therefore, Taurus and Leo rising may attract partners who bring prosperity and growth into their lives, particularly through joint financial endeavors, marriage or inheritances.

*too broad to be an indicator on its own

JUPITER OR VENUS IN THE 8H

When Jupiter or Venus are well-aspected in the 8th house, it enhances the potential for wealth accumulation through marriage or partnerships. This placement suggests that financial matters are deeply intertwined with the your intimate relationships and may indicate receiving financial benefits from your spouse or partner.

RULER OF 2H IN 8H OR 7H

The 2nd house represents personal finances and wealth, while the 8th and 7th houses relate to shared resources and partnerships, respectively. When the ruler of the 2nd house is placed in the 8th or 7th house, it suggests a strong connection between personal wealth and marriage or partnerships. This placement may indicate marrying into wealth or experiencing financial gains through joint ventures or inheritances.

RULER OF 8H IN 2H OR 7H

Similar to the previous point, when the ruler of the 8th house (which governs shared resources) is in the 2nd or 7th house, it emphasizes the importance of financial matters in relationships. This placement indicates opportunities for marrying rich or experiencing financial benefits through partnerships or inheritances.

Curious to learn more? This is just a teaser of a detailed 3000-word article I’ve crafted, exploring each indicator more deeply along with additional signs of a potentially wealthy partner. Plus, as a special offer, become a Jupiter member today and receive a complimentary free mini reading with two questions. Ready to discover if wealth is written in your birth chart? TAP HERE to read the full article and join the conversation. <3

[lilacstro]

pac: what big thing is coming next for you and when

on the suggestions of @darkbragance I would be making this post.

choose from 2 piles, idk why 2 and not 3 but yeah, choose as you like :)

paid readings open !

pile1 pile2

support me on ko-fi :)

⭐decks used: spirit speaks tarot, poesis oracle and vessel oracle for energy check

Pile 1

Energy check:

Did some of you travel to your childhood home or thought about it recently? Seems so. Some of you have been working on finding balance and structure in life I feel. Some of you could be overwhelmed with how tiring your life is, especially at home I feel. Maybe there is a responsibility on you all to always serve and be ready to give, to manage problems and give people structure either at your home or maybe even at your workplace. Some of you could also be tired of being stuck at home, finding work-life balance or wanting to travel somewhere that is not happening. Some of you could also be travelling back in time, thinking about the past a lot, especially childhood nostalgia. Did some of you like collecting stones or crystals as a child? Color green is coming through, an emerald crystal. There seems to be the thought of wanting to go back because the situation currently feels painful. There is a desire to go back in time, to travel somewhere mentally and physically and get out of this exhausting cycle. There is desire to escape and avoid pain. Some of you could be dreaming about your childhood home, children or even past memories, liking very old, as if digging the grave. There is a feeling of loneliness. Good luck babe is constantly playing in my head, maybe it is relevant to someone here? Special focus on "You'd have to stop the world just to stop the feeling" and this is what I have been feeling in this group. Someone here is distracted and definitely needs a wakeup call.

If this sounds like you, this is your pile<3

Main messages:

Someone here is definitely feeling isolated, or they have distanced themselves from other people, but they will find meaning in isolation. Someone here could be feeling frustrated, lashing out on small things. Ok so instead of writing a paragraph I would list out all the things I see happening! You may see what resonates with your situation :)

If you were willing to start a project or taking some kind of brave action (even if it is just a simple confession of love for example, or maybe going back to school because too much time has passed etc.) but was afraid of starting for whatever reason, you would get strength to start and take action!

if someone was wanting to travel somewhere, move somewhere, study abroad, travel abroad and if money became a problem, or maybe your father or some authority figure, say visa services became problem, you would be fine and would be able to travel regardless

If someone has been working hard to get some award, achievement or rank, especially globally, it could be happening!

If someone was willing to work with people all over the world, especially in regards to money, maybe working on a worldwide freelancing site or maybe even social media to get foreign customers to get money, that could also be happening :)

If someone felt hopeless about a situation, especially regarding finances, maybe lost money even for some of you, you guys would be able to recover the money and get the money arranged. Someone could be offering you money I feel :)

If someone was wishing to get stability especially in regards to their home and family, or maybe seek approval of a father or authority figure in family for something, they could be getting approval for what they've been wanting.

There is a happy ending to all the situations above :)

Expected Timeline:

This is happening very very soon, you could also be receiving some kind of communication too, especially. If we talk about particular date, we have November 23 - December 2 or 8 weeks of a time.

I hope it resonated, take care xoxo

Pile 2

Energy check:

This feels like a rather hopeful, accepting energy, both in a happy and a sad way, as if you are hopeful but at the same time you have accepted the current circumstances. There is not a turbulence like pile 1. I am hearing "its just the way life goes, I push my luck it shows" from Gracie Abram's song I love you, I'm sorry. There is a fresh energy here, a very good chance to grow and evolve, you are growing and changing and I may rather say, blooming. Someone here may like spring or sitting in the sun in winters, it may feel healing. You guys have absolutely not given up, there is a silent rebel kind of energy, you know it is not over and that you will rise back up again, but for now you are not mad and turbulent about it, but rather calm and peaceful and accepting, as if, "what worse can even happen, its fine" There is a lot of wisdom you are gaining currently that would helping you for the fresh start of your journey you would be preparing. I am seeing you would be ready to take a leap and go seek what it is that you want. But for now, it is important to let your emotions out and grieve, even if it means that you will lose your composure. I am constantly seeing the message that says "it gets better". If you were wanting something to happen, know you'd have many choices, either it can be done some other way you do not know yet, or maybe people would help you or you find better things, so many that you can literally choose from them. Keep your heads up:) it would be fine I promise :) Seeking out support with people you love is a good idea for now, and if you are alone, I would suggest joining support groups or maybe creating an account that just follows motivational, uplifting content, but you need to open yourself, there is a possibility to find help between people. If this sounds like you, congrats this is your pile :) Keep your heads up princess by Anson Seabra is playing in my head especially the line,

"Yeah, keep your head up princess, it's a long road And the path leads right to where they won't go I know it hurts right now but you don't got far to go So keep your head up Yeah, keep your head up"

Main messages:

I feel some of you could be grieving a loss of something falling down, and maybe you just let it fall altogether before picking it back up once again. Maybe you held onto something that you are letting go, releasing for now.

If any of you were stuck onto something in life, especially mentally, you would be able to find your answers, find balance and finally move ahead in life

There is a mental clarity that may come on why did something not work out for you. Someone may also get clearer decision making skills on their current choices, and may also find contentment in their current choices and how to find a way to move on with current options

Some of you could be calming down the chaos by finally being able to get control and authority, either it may be mental conflict or conflict with someone else, especially people who you may work with is one thing I see

If someone was trying to manifest a love offer, to find a new romantic partner that seems to be happening !

if someone was looking to start a new creative project, a passion project that they wanted to start for a long time, that seems to be happening too!

Some of you could be breaking out of cycles of substance abuse or maybe something toxic in your life, breaking free from falling back into some kind of addiction, breaking free from spiraling and that can be any sabotaging habit

One intuitive message I am getting is the ground is fertile, whatever you sow, you would equally gain back, what I mean is whatever is it you are wanting to do right now, putting your efforts into, your fruits and flowers would blossom. It would reap you rewards, whatever it is that you are working for, a relationship, healing, money etc.

Some of you could also be getting out of depression or a depressed mental state after a long time, spring after the winter is what I am hearing

you could also be getting clarity or news about someone or something that troubled you in the past, some truth about why did it not work out

many options would be available to something that stressed you out mentally, a job, college, relationship, you name it, you would be able to chose rather being stuck with a single option. Wait, I think I did something in the energy check as well, interesting!

someone could also be getting into their dream school or travel somewhere for education is one other thing I see.

Expected Timeline:

As long as you are taking fearless action is one thing I see. Apart from that Fixed sign season (Leo, Aquarius, Scorpio, Taurus), Sagittarius Season/Capricorn Season, November, 1 month from now, 11 weeks from now or quite unexpectedly are the messages that I see, There is definitely an element of divine timing here, and your actions and both of them seem to influence each other. Damn that is a lot of timings.

thank you for reading, have a good day :)

[ivesambrose]

PAC : September 2024 Mini Messages

1. 2. 3.

And we're almost in fall 🍁

To book a personal reading with me DM or email me at ivesambrose@gmail.com

Services Offered

Reviews

Thanks for the tip ✨

Picture 1

You'll be feeling the urge to socialize or reconnect with friends and loved ones this month. Likely even connect with new people that inspire you and reignite a spark within you. It seems like as you're headed for autumn you begin to experience your personal spring. There's a lot in your mind and heart and it's been repressed there for quite some time now because you haven't found the right means to express them or the people to express them to but this: shall change. I see you wanting to maintain more balance and diplomacy in your life this month instead of extremes. In a way you've told yourself, "Hey I've done enough push and pull, let me allow things to fall in place." A lot of you might focus on regulating your nervous system, some of you might be starting therapy or just being more attentive about your mental health. Some of you might collaborate or work with others especially if you're an artist or creator of any kind. I also see a select few coming out of hiding and gaining the confidence to put themselves out there. This month will also end on a joyful note for you. You'll also be pursuing something your heart feels really called to. You'll also feel cherished and cared for, this could be from a special someone or your friends and family or the community you're proud of. You'll feel a lot less alone, you never really were.

Picture 2

Leaving all that heartache behind. Bit by bit. Holding your life by the reigns by finding the courage within. There's no need to wait for anyone to help you through this, just begin. I know certain anguishes weigh rather heavily but it doesn't have to be a permanent resident there. A lot of you are planning on moving away from a present location that hasn't been bringing you peace you'l likely end up executing it before this year ends. Sometime around this month itself you'll find yourself feeling emotionally renewed. Opportunities coming up that you had been praying for since long but you feel nervous taking up because emotional fulfillment somehow feels scary to you. Feel the fear and do it anyway. Take the plunge because it'll lead to you feeling proud and successful of yourself. I also see a peak in finances or you saving up enough to afford something that makes you really happy. If you have pets you'll be spending more time with them or even consider adopting one. You'll start finding joy in the things you used to years back. Hold onto this feeling. For some reason the song, 'Innocence' by Avril Lavigne came through for this pile as well. If you resonate deeply with music, then this song definitely has a message for you.

Picture 3

A mental breakthrough. I see you being assertive and maybe even cut throat with your goals. I also see a lot of you disciplining your mind to the maximum. Correcting any negative thought and assumption. You'll also find yourself emerging victorious no matter what situation you're facing. There's a specific turn of events and fate for you. Fall overall is a significant time for this pile. I see you embracing joy diligently, making new friends and connections and making plans with your loved ones. You have chosen to let your inner child experience everything they have been forced to let go of. Do not dim your own light this month. You were meant to shine. You were meant to stand out. Some of you might also have a significant secret admirer as well. They see you as the break of dawn after a dark and solemn night and want to pretty much make you feel the same it seems. You'll find yourself wanting to relax more and allow things to come to you. Stressing and forcing on the other hand might lead to discord and feeling burnt out. It seems as though you had been fearing the worst but there has been a pleasant change of plans for you. You will be starting a new chapter in your life, you'll be rather stubborn about it too, brainstorming quite a bit, might encounter a few conflicts here and there but nothing good team work can't solve. This will eventually lead you to the version of you that you have in mind.

[foreingersgod]

I love your work! Could you write kate Martin x fem!reader whose just a regular college student?

of course my love!

A/N: hi everyone! i’m still working on several requests right now so be patient with me! i promise they will all get done soon, but i’m a busy college student who only has so much time! they’ll be done soon, thank you so much for your patience and support, ily all !! if you have any questions about your request, feel free to message me :)

Living Life with You . KM

pairing: kate martin x reader

synopsis: kate is just so incredibly in love with you

༶•┈┈୨♡୧┈┈•༶

midterms were swiftly approaching for the semester and everyone was scrambling to prepare, yourself included. you had about 4 exams that you needed to study for, ranging from chemistry to psychology to family finance. so you spent most of your days this week confined the comforts of your apartment, sat on the couch with you laptop on your lap and your notes spread across the coffee table.

it wasn’t abnormal for you to hide away when you needed to focus on your studies, but kate had planned to stay at your apartment all this week to spend time with you.

“i just don’t want these stupid midterms to ruin our week” you had told her one night over the phone. “i would feel bad if you just sat in my apartment and watched me study for hours, especially since having a full week to ourselves is so rare”

“i just want to be with you, baby, doesn’t matter if you’re studying or not” she reassured you.

sure enough, when kate arrived at your apartment, a bag packed and a quaint little bouquet of flowers for your kitchen counter, she had no problem with you studying. in fact, she had changed into her pajamas like you had done and sat herself on the couch directly next to you.

but the night was not just spent on the couch watching you study. she had offered to make you your favorite dinner (offer is a generous word, more like forced you to stay out of the kitchen so she could treat you) and set the table. she even washed your dishes that remained in the sink from earlier in the week so you wouldn’t have to stress about it for the night. kate had called you into the kitchen after about an hour, announcing that dinner was ready.

“please take a break and have dinner with me?” she pleaded, you could practically see those puppy dog eyes from the living room.

so you rolled yourself off the couch, stretching for the first time since 3 pm, clambering your way into the kitchen. what you were met with made your heart absolutely melt.

“hey, you hungry?” kate stood at the counter, dishing up your plates, dish rag thrown over her shoulder and sleeves rolled up to her elbows. god, your jaw must’ve been on the floor.

not only did kate look so irresistible making you dinner like this, but she had lit your ‘nice candle’ and set two spots next to each at your kitchen island for the two of you. she pulled a couple wine glasses out of your cupboard, setting them next to your plates as you walked over to her in the kitchen.

“babe, you did all this?” you stood behind her, resting your chin on her shoulder as she put the finishing touches on your plate. she grinned, feeling your arms wrap around her waist, turning around to face you.

“you’ve been working so hard to study for your tests,” she placed a sweet kiss to your forehead “and i wanted to do something special for you to help you wind down”

“ugh, i truly don’t deserve you” you pouted, kate grabbing your hand and guiding you to your seat. “i’ve just been sat on the couch hardly giving you the attention you deserve. you’ve been working just as hard with your team.”

“and you show me that everyday, you go to every single game, even if it’s an away game. you come with me to every banquet and event. you fix me up when i’m hurt and give me your undivided attention every single day. you’ve truly given me the world, YN” she sat next to you, pouring you both a glass of wine.

“i love you so so much, kate” you said, looking at the delicious scene in front of you. you’re favorite food, a nice glass of wine, all of it by candlelight, and your sweet girl at your side.

“i love you too,” she pulled you in for another kiss “and i love living life with you”

[cazshmere]

Synastry Observation : ☀️ SUN IN EACH OTHERS HOUSES☀️

materialist🔖

Sun in the 1st house :

When your partner’s Sun is in your first house, it can indicate an intense and personal connectivity between you, with a strong draw to one another and an understanding and appreciation for one another’s unique attributes and qualities. This placement may also bring a feeling of certainty or security in the relationship, as you get to know and understand each other better, and you may find that you are both very much on the same page when it comes to your own needs and desires. A potential soulmates typa connection 🤞🏻.

Sun in the 2nd house :

When your partner’s Sun is in your 2nd house, it can indicate a strong and lasting connection and commitment between you, with a special focus on the practical and material aspects of your relationship, such as finances, possessions, and other tangible things. This Synastry can offer a strong sense of stability and security and the opportunity to work together to build a life together that provides for all the important practical needs of life, and can also offer the chance to find comfort in the smaller details and shared everyday experiences. The “i feel safe and seen with you” vibe🥹.

Sun in the 3rd house :

When your partner’s Sun is in your third house, it can represent an intense connection built around communication and exchange of ideas. You are likely to have very stimulating and informative discussions about a variety of topics, and you may often find yourselves on the same page intellectually or in terms of your philosophies and belief systems. This placement also offers a great deal of potential in terms of creativity and expression. This is the “we could talk for hours and still not run out of things to talk about ” vibe 🗣️💘.

Sun in the 4th house :

When your partner’s Sun is in your 4th house, it can indicate a strong and nurturing connection between you, and an understanding of each other’s roots and home life. This placement can offer a great deal of emotional security and stability, and you both are likely to value and prioritize creating a home life that is nurturing and comforting and feels like a refuge and foundation that you can both return to after the challenges of the outside world. This placement can also lend a certain amount of intensity and passion to the relationship, as you both share a desire for a strong connection built on the core values of home and family. The “you are my home and i feel so safe with you” connection 🏡♥️

Sun in the 5th house :

When your partner’s Sun is in your fifth house, it can indicate a strong and exciting connection built around creativity, fun, and pleasure. This placement represents a relationship based on joy and enthusiasm and shared interests and activities, and it can offer a great deal of excitement and adventure. Both of you are likely to value and prioritize fun and pleasure and want to create a relationship based on shared experiences that bring you joy and satisfaction. It is an opportunity to make one another happy and have fun and enjoy life together, but be sure to not lose sight of the more grounded and practical needs in relationship as well. The “let’s f#ck shit up together and laugh about it” connection 😋🤭.

Sun in the 6th house :

When your partner's sun is in your 6th house, it can indicate a strong connection built around support and service to one another and the maintenance of the practical and material aspects of your relationship. This synastry can represent an intense and committed partnership where both parties feel a strong sense of responsibility for the other and are able to take care of one another and help ease the burden of everyday life. The type of connection where even doing mundane chores seem exciting and fun when you’re doing it with them❣️🍳.

Sun in the 7th house :

When your partner's sun is in your 7th house, it can indicate an intense and passionate connection between you, where your interests and desire for partnership and intimacy align. This connection is likely to be very romantic and emotional, where both parties feel a deep pull towards one another and an intense need to connect. This placement can also lend a sense of certainty and security in the relationship, as you both share a strong commitment to one another and a desire to build a future together. The classic example of “love at first sight” right here👫🏻🤍.

Sun in the 8th house :

When your partner’s sun is in your 8th house, it can indicate an intense and intimate connection between you, based on a shared interest in exploring the hidden or taboo aspects of life and a desire for an intense and powerful connection that transcends the physical and reaches the deeper realms of human existence. This is a relationship that is not afraid to dig deep and explore the darker aspects of life and find meaning in them, but it also comes with great potential for personal transformation and healing if both parties are open and ready to explore those realms. Be prepared to confront your innermost fears and desires. The “you see the light in me even on my darkest days”🧿♥️.

Sun in the 9th house :

When your partner’s Sun is in your 9th house, this connection is likely to be characterized by a strong intellectual and philosophical connection between you. You likely share many of the same interests and values, and can engage in deep discussion on a variety of topics. This is a relationship based on the exchange of ideas and knowledge, and it can offer a great deal of growth and personal fulfillment as you help each other understand and explore the deeper meaning and truth of life and reality. You also both have a strong commitment to growing and expanding your understanding of the world, and you are likely to encourage each other in that pursuit. This is the “babe I’ve booked tickets to Paris, come on pack your bags and let’s go” kinda connection, your travel buddy forever♥️🥂✈️🏝️.

Sun in the 10th house :

When your partner’s Sun is in your 10th house, this connection can indicate a strong and committed partnership built around shared work, service, and career aspirations. This is a relationship built on shared ambitions and ideals, where you both value the same things and have a mutual commitment to supporting and helping one another reach your shared goals. Both partners are likely to work hard and be dedicated to their work and endeavours. This kinda screams “workplace romance” typa beat👩🏻‍💼♥️👨🏻‍💼.

Sun in the 11th house :

When your partner's Sun is in your 11th house, this indicates a strong connection based on shared ideas and interests, as well as a shared desire for friendship, connection, and community. In terms of values, both parties are deeply passionate about making a positive impact on the world and the lives of others, and there is a strong sense of dedication to a shared ideal. Both partners are likely to be supportive and encouraging of one another in these pursuits, as well as in all of the other areas of life involving social interaction and connection. This is the you’re my best friend and lover, both in one typa connection. Theres is a high chance that you guys met online📱💖.

Sun in the 12th house :

When your partner’s Sun is in your 12th house, this connection can represent a deep and transformative connection between you two. This is a relationship based on soul level connections and shared secrets and desires, and the potential for a spiritual bond is strong. Both parties may feel a strong connection that cannot be explained logically in terms of shared values or interests, and the potential for a deep emotional connection is extremely strong. This is “telepathic connection” typa vibe🔮🤍🩵.

Please do not copy or steal any of my work <3. These are just personal observations so don’t take any of them too seriously 🧿😙♥️.

© cazshmere 2024 [All Rights Reserved]

[mostlysignssomeportents]

Leveraged buyouts are not like mortgages

I'm coming to DEFCON! On FRIDAY (Aug 9), I'm emceeing the EFF POKER TOURNAMENT (noon at the Horseshoe Poker Room), and appearing on the BRICKED AND ABANDONED panel (5PM, LVCC - L1 - HW1–11–01). On SATURDAY (Aug 10), I'm giving a keynote called "DISENSHITTIFY OR DIE! How hackers can seize the means of computation and build a new, good internet that is hardened against our asshole bosses' insatiable horniness for enshittification" (noon, LVCC - L1 - HW1–11–01).

Here's an open secret: the confusing jargon of finance is not the product of some inherent complexity that requires a whole new vocabulary. Rather, finance-talk is all obfuscation, because if we called finance tactics by their plain-language names, it would be obvious that the sector exists to defraud the public and loot the real economy.

Take "leveraged buyout," a polite name for stealing a whole goddamned company:

Identify a company that owns valuable assets that are required for its continued operation, such as the real-estate occupied by its outlets, or even its lines of credit with suppliers;

Approach lenders (usually banks) and ask for money to buy the company, offering the company itself (which you don't own!) as collateral on the loan;

Offer some of those loaned funds to shareholders of the company and convince a key block of those shareholders (for example, executives with large stock grants, or speculators who've acquired large positions in the company, or people who've inherited shares from early investors but are disengaged from the operation of the firm) to demand that the company be sold to the looters;

Call a vote on selling the company at the promised price, counting on the fact that many investors will not participate in that vote (for example, the big index funds like Vanguard almost never vote on motions like this), which means that a minority of shareholders can force the sale;

Once you own the company, start to strip-mine its assets: sell its real-estate, start stiffing suppliers, fire masses of workers, all in the name of "repaying the debts" that you took on to buy the company.

This process has its own euphemistic jargon, for example, "rightsizing" for layoffs, or "introducing efficiencies" for stiffing suppliers or selling key assets and leasing them back. The looters – usually organized as private equity funds or hedge funds – will extract all the liquid capital – and give it to themselves as a "special dividend." Increasingly, there's also a "divi recap," which is a euphemism for borrowing even more money backed by the company's assets and then handing it to the private equity fund:

https://pluralistic.net/2020/09/17/divi-recaps/#graebers-ghost

If you're a Sopranos fan, this will all sound familiar, because when the (comparatively honest) mafia does this to a business, it's called a "bust-out":

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

The mafia destroys businesses on a onesy-twosey, retail scale; but private equity and hedge funds do their plunder wholesale.

It's how they killed Red Lobster:

https://pluralistic.net/2024/05/23/spineless/#invertebrates

And it's what they did to hospitals:

https://pluralistic.net/2024/02/28/5000-bats/#charnel-house

It's what happened to nursing homes, Armark, private prisons, funeral homes, pet groomers, nursing homes, Toys R Us, The Olive Garden and Pet Smart:

https://pluralistic.net/2023/06/02/plunderers/#farben

It's what happened to the housing co-ops of Cooper Village, Texas energy giant TXU, Old Country Buffet, Harrah's and Caesar's:

https://pluralistic.net/2021/05/14/billionaire-class-solidarity/#club-deals

And it's what's slated to happen to 2.9m Boomer-owned US businesses employing 32m people, whose owners are nearing retirement:

https://pluralistic.net/2022/12/16/schumpeterian-terrorism/#deliberately-broken

Now, you can't demolish that much of the US productive economy without attracting some negative attention, so the looter spin-machine has perfected some talking points to hand-wave away the criticism that borrowing money using something you don't own as collateral in order to buy it and wreck it is obviously a dishonest (and potentially criminal) destructive practice.

The most common one is that borrowing money against an asset you don't own is just like getting a mortgage. This is such a badly flawed analogy that it is really a testament to the efficacy of the baffle-em-with-bullshit gambit to convince us all that we're too stupid to understand how finance works.

Sure: if I put an offer on your house, I will go to my credit union and ask the for a mortgage that uses your house as collateral. But the difference here is that you own your house, and the only way I can buy it – the only way I can actually get that mortgage – is if you agree to sell it to me.

Owner-occupied homes typically have uncomplicated ownership structures. Typically, they're owned by an individual or a couple. Sometimes they're the property of an estate that's divided up among multiple heirs, whose relationship is mediated by a will and a probate court. Title can be contested through a divorce, where disputes are settled by a divorce court. At the outer edge of complexity, you get things like polycules or lifelong roommates who've formed an LLC s they can own a house among several parties, but the LLC will have bylaws, and typically all those co-owners will be fully engaged in any sale process.

Leveraged buyouts don't target companies with simple ownership structures. They depend on firms whose equity is split among many parties, some of whom will be utterly disengaged from the firm's daily operations – say, the kids of an early employee who got a big stock grant but left before the company grew up. The looter needs to convince a few of these "owners" to force a vote on the acquisition, and then rely on the idea that many of the other shareholders will simply abstain from a vote. Asset managers are ubiquitous absentee owners who own large stakes in literally every major firm in the economy. The big funds – Vanguard, Blackrock, State Street – "buy the whole market" (a big share in every top-capitalized firm on a given stock exchange) and then seek to deliver returns equal to the overall performance of the market. If the market goes up by 5%, the index funds need to grow by 5%. If the market goes down by 5%, then so do those funds. The managers of those funds are trying to match the performance of the market, not improve on it (by voting on corporate governance decisions, say), or to beat it (by only buying stocks of companies they judge to be good bets):

https://pluralistic.net/2022/03/17/shareholder-socialism/#asset-manager-capitalism

Your family home is nothing like one of these companies. It doesn't have a bunch of minority shareholders who can force a vote, or a large block of disengaged "owners" who won't show up when that vote is called. There isn't a class of senior managers – Chief Kitchen Officer! – who have been granted large blocks of options that let them have a say in whether you will become homeless.

Now, there are homes that fit this description, and they're a fucking disaster. These are the "heirs property" homes, generally owned by the Black descendants of enslaved people who were given the proverbial 40 acres and a mule. Many prosperous majority Black settlements in the American South are composed of these kinds of lots.

Given the historical context – illiterate ex-slaves getting property as reparations or as reward for fighting with the Union Army – the titles for these lands are often muddy, with informal transfers from parents to kids sorted out with handshakes and not memorialized by hiring lawyers to update the deeds. This has created an irresistible opportunity for a certain kind of scammer, who will pull the deeds, hire genealogists to map the family trees of the original owners, and locate distant descendants with homeopathically small claims on the property. These descendants don't even know they own these claims, don't even know about these ancestors, and when they're offered a few thousand bucks for their claim, they naturally take it.

Now, armed with a claim on the property, the heirs property scammers force an auction of it, keeping the process under wraps until the last instant. If they're really lucky, they're the only bidder and they can buy the entire property for pennies on the dollar and then evict the family that has lived on it since Reconstruction. Sometimes, the family will get wind of the scam and show up to bid against the scammer, but the scammer has deep capital reserves and can easily win the auction, with the same result:

https://www.propublica.org/series/dispossessed

A similar outrage has been playing out for years in Hawai'i, where indigenous familial claims on ancestral lands have been diffused through descendants who don't even know they're co-owner of a place where their distant cousins have lived since pre-colonial times. These descendants are offered small sums to part with their stakes, which allows the speculator to force a sale and kick the indigenous Hawai'ians off their family lands so they can be turned into condos or hotels. Mark Zuckerberg used this "quiet title and partition" scam to dispossess hundreds of Hawai'ian families:

https://archive.is/g1YZ4

Heirs property and quiet title and partition are a much better analogy to a leveraged buyout than a mortgage is, because they're ways of stealing something valuable from people who depend on it and maintain it, and smashing it and selling it off.

Strip away all the jargon, and private equity is just another scam, albeit one with pretensions to respectability. Its practitioners are ripoff artists. You know the notorious "carried interest loophole" that politicians periodically discover and decry? "Carried interest" has nothing to do with the interest on a loan. The "carried interest" rule dates back to 16th century sea-captains, and it refers to the "interest" they had in the cargo they "carried":

https://pluralistic.net/2021/04/29/writers-must-be-paid/#carried-interest

Private equity managers are like sea captains in exactly the same way that leveraged buyouts are like mortgages: not at all.

And it's not like private equity is good to its investors: scams like "continuation funds" allow PE looters to steal all the money they made from strip mining valuable companies, so they show no profits on paper when it comes time to pay their investors:

https://pluralistic.net/2023/07/20/continuation-fraud/#buyout-groups

Those investors are just as bamboozled as we are, which is why they keep giving more money to PE funds. Today, the "dry powder" (uninvested money) that PE holds has reached an all-time record high of $2.62 trillion – money from pension funds and rich people and sovereign wealth funds, stockpiled in anticipation of buying and destroying even more profitable, productive, useful businesses:

https://www.institutionalinvestor.com/article/2di1vzgjcmzovkcea8f0g/portfolio/private-equitys-dry-powder-mountain-reaches-record-height

The practices of PE are crooked as hell, and it's only the fact that they use euphemisms and deceptive analogies to home mortgages that keeps them from being shut down. The more we strip away the bullshit, the faster we'll be able to kill this cancer, and the more of the real economy we'll be able to preserve.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/08/05/rugged-individuals/#misleading-by-analogy