#Student Property Investments

[auspakhomeloan]

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#PersonalLoans #FinancialFreedom #DreamBig #AuspakHomeLoans #LoanOptions

[hillarymaye]

23 February 2023

02.23.2023 – this is a nice, round number for a date – just realized it as I was typing the date in the headline for this post. I’m getting to the end of the run of show for this recent season I’ve been on since beginning of January and damn, I’m exhausted. The overall feeling of exhaustion comes from a jam-packed schedule that is not up to us as crew members and it’s been a lot – and the fact…

[borrowbe]

Earn Extra Income with Your Travel Ads on BorrowBe.com

Traveling is more than just a pastime; it’s an enriching adventure that expands our horizons and creates unforgettable memories. From the vibrant streets of New York City to the serene beaches of California and the stunning landscapes of the Rockies, every journey has its unique allure. But what if you could share these experiences while earning a little extra income? Enter BorrowBe.com.

The Joys of Traveling

Traveling offers countless benefits, both physically and mentally. It allows us to escape our daily routines, reduces stress, and boosts creativity. Exploring new cultures, meeting new people, and trying different cuisines can be incredibly rewarding. Each journey teaches us valuable lessons and helps us grow.

Renting Out Your Travel Essentials

If you have travel gear or accommodations, renting them out can be a fantastic way to generate additional income while assisting fellow travelers. Popular items like camping gear, bicycles, and kayaks are always in demand. Additionally, consider renting out your primary residence in Canada or vacation homes for a steady rental income opportunity.

Why Choose BorrowBe.com?

BorrowBe.com is a unique marketplace that connects owners with individuals seeking to rent various items and services. Here’s why you should post your travel-related ads on BorrowBe.com:

Wide Audience Reach: Attract a diverse crowd looking for rentals, increasing the chances of your ad being seen by potential customers.

User-Friendly Interface: The platform simplifies the ad-posting process, allowing you to create and manage your listings effortlessly.

Dedicated Categories: With specific sections for travel equipment and accommodations, your ads will reach the right audience, including those interested in commercial real estate in Canada for rent.

Community Support: By posting your ads, you contribute to a network of like-minded individuals, supporting local businesses and communities.

How to Post Your Travel Ads on BorrowBe.com

Register an Account: Sign up on BorrowBe.com using your email or social media accounts.

Create a Listing: Click the “Post Ad” button and provide details about your travel item or accommodation. Include high-quality images and thorough descriptions to attract interest.

Set Your Price: Determine a fair rental price. BorrowBe.com allows free listings or offers affordable promotional packages for increased visibility.

Publish Your Ad: Once satisfied with your listing, hit the publish button to go live and start attracting potential renters.

Conclusion

Traveling is a shared passion, and BorrowBe.com offers the perfect platform to connect with others. By posting your travel ads, you can earn extra income, support the travel community, and rent your residence in Canada, whether it’s your primary home or a vacation property. Explore home rental listings in Canada and find tenants for your rental property with ease.

Unlock the endless rental income opportunities in Canada today with www.borrowbe.com Start posting your ads and let your travel items and accommodations find new purpose! Happy travels! 🌍✈️🏖️

[efratmeiri]

Build Your Dream Home in Valencia County Desert

Hi bud. If you feel there is more to life than what you are experiencing now,  If you believe you deserve better,  I want to share something with you from the bottom of my heart.

Have you ever felt like the city is closing in on you?

I hear you!

I'm tired of city life.  Honestly, I envy those who live in the suburbs. I envy those who have a plot of land to escape to for vacations.

Everyone needs their own escape hatch.  A place where you can disconnect, recharge, and just breathe.

[danielkaufmanrealestate]

🏢 Student Housing Trends: A Closer Look at Fall 2024 Pre-Leasing 📚

As the academic year approaches, student housing markets are buzzing with activity. Let’s dive into the latest insights: Pre-Leasing Momentum: Despite a slight dip in pre-leasing rates (84.5% vs. 85.8% last year), June witnessed a surprising 6% growth in pre-leasing momentum. Students are securing their spots earlier than ever! 🎓 Location Matters: Properties over a mile from campus boast the…

[zunikh]

Zunikh offers innovative commercial property development and investment opportunities across the UK. Our approach combines top professionals and strategic insights to ensure swift, effective project executions, spanning student accommodations to industrial spaces. Discover how our commitment to excellence can help you maximize your real estate investments.

[mymoneyepisodes]

This is How I Became Landlord While Still Student (Real Estate News!)

WEBSITE

YOUTUBE  

YOUTUBE PLAYLIST  

FACEBOOK  

X  (TWITTER)

TUMBLR  

QUORA  

LinkedIn

Mix  

FLIPBOARD

[batboyblog]

Things Biden and the Democrats did, this week #27

July 12-19 2024

President Biden announced the cancellation of $1.2 billion dollars worth of student loan debt. This will cancel the debt of 35,000 public service workers, such as teachers, nurses, and firefighters. This brings the total number of people who've had their student debt relived under the Biden Administration to 4.8 million or one out of every ten people with student loan debt, for a total of $168.5 billion in debt forgiven. This came after the Supreme Court threw out an earlier more wide ranging student debt relief plan forcing the administration to undertake a slower more piecemeal process for forgiving debt. President Biden announced a new plan in the spring that will hopefully be finalized by fall that will forgive an additional 30 million people's student loan debt.

President Biden announced actions to lower housing coasts, make more housing available and called on Congress to prevent rent hikes. President Biden's plan calls for landlords who raise the rent by more than 5% a year to face losing major important tax befits, the average rent has gone up by 21% since 2021. The President has also instructed the federal government, the largest land owner in the country, to examine how unused property can be used for housing. The Bureau of Land Management plans on building 15,000 affordable housing units on public land in southern Nevada, the USPS is examining 8,500 unused properties across America to be repurposed for housing, HHS is finalizing a new rule to make it easier to use federal property to house the homeless, and the Administration is calling on state, local, and tribal governments to use their own unused property for housing, which could create approximately 1.9 million units nationwide.

The Department of Transportation announced $5 billion to replace or restore major bridges across the country. The money will go to 13 significant bridges in 16 states. Some bridges are suffering from years of neglect others are nearly 100 years old and no longer fit for modern demands. Some of the projects include the I-5 bridge over the Columbia River which connects Portland Oregon to Vancouver Washington, replacing the Sagamore Bridge which connects Cape Cod to the mainland built in 1933, replacing the I- 83 South Bridge in Harrisburg, Pennsylvania, and Cape Fear Memorial Bridge Replacement Project in Wilmington, North Carolina, among others.

President Biden signed an Executive Order aimed at boosting Latino college attendance. The order established the White House Initiative on Advancing Educational Equity, Excellence, and Economic Opportunity through Hispanic-Serving Institutions. Hispanic-Serving Institutions (HSIs) are defined as colleges with 25% or above Hispanic/Latino enrollment, currently 55% of Hispanic college students are enrolled in an HSI. The initiative seeks to stream line the relationship between the federal government and HSIs to allow them to more easily take advantage of federal programs and expand their reach to better serve students and boost Hispanic enrollment nationwide.

HUD announced $325 million in grants for housing and community development in 7 cities. the cities in Tennessee, Texas, Alabama, Florida, Nevada, New York and New Jersey, have collectively pledged to develop over 6,500 new mixed-income units, including the one-for-one replacement of 2,677 severely distressed public housing units. The 7 collectively will invest $2.65 billion in additional resources within the Choice Neighborhood area – so that every $1 in HUD funds will generate $8.65 in additional resources.

President Biden took extensive new actions on immigration. On June 18th The President announced a new policy that would allow the foreign born spouses and step children of American citizens who don't have legal status to apply for it without having to leave the country, this would effect about half a million spouses and 50,000 children. This week Biden announced that people can start applying on August 19, 2024. Also in June President Biden announced an easing of Visa rules that will allow Dreamers, Americans brought to the country as children without legal status, to finally get work visas to give them legal status and a path way to citizenship. This week the Biden Administration announced a new rule to expand the federal TRIO program to cover Dreamers. TRIO is a program that aims to support low income students and those who would be the first in their families to go to college transition from high school to college, the change would support 50,000 more students each year. The Administration also plans to double the number of free immigration lawyers available to those going through immigration court.

The EPA announced $160 million in grants to support Clean U.S. Manufacturing of Steel and Other Construction Materials. The EPA estimates that the manufacturing of construction materials, such as concrete, asphalt, steel, and glass, accounts for 15% of the  annual global greenhouse gas emissions. The EPA is supporting 38 projects aimed at measuring and combatting the environmental impact of construction materials.

The US announced $203 million in humanitarian assistance for the people of Sudan. Sudan's out of control civil war has caused the largest refugee crisis in the world with 11 million Sudanese having fled their homes in the face of violence. The war is also causing the gravest food crisis in the world, with a record setting 25 million people facing acute food insecurity, and fears that nearly a million will face famine in the next months. This aid brings the total aid the US has given Sudan since September 2023 to $1.6 billion, making America the single largest donor to Sudan.

The Consumer Financial Protection Bureau put forward a new rule that would better regulate popular paycheck advance products. 2/3rds of workers are payed every two weeks or once a month and since 2020 the number of short term loans that allow employees to receive their paycheck days before it’s scheduled to hit their account has grown by 90%. the CFPB says that many of these programs are decided with employers not employees and millions of Americans are paying fees they didn't know about before signing up. The new rule would require lenders to tell costumers up front about any and all fees and charges, as well as cracking down on deceptive "tipping" options.

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Saving Money and Being Frugal

We’re all in this together. Don’t give up.

On food and groceries:

How to Shop for Groceries like a Boss

Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic

If You Don’t Eat Leftovers I Don’t Even Want to Know You

You Are above Bottled Water, You Elegant Land Mermaid

You Should Learn To Cook. Here’s Why.

On entertainment and socializing:

The Frugal Introvert’s Guide to the Weekend

7 Totally Reasonable Ways To Save Money on Cheap Entertainment 

Take Pride in Being a Cheap Date

The Library Is a Magical Place and You Should Fucking Go There

Your Library Lets You Stream Audiobooks and eBooks FOR FREEEEEEE!

What’s the Effect of Social Media on Your Finances?

You Won’t Regret Your Frugal 20s

On health:

How to Pay Hospital Bills When You’re Flat Broke

Run With Me if You Want to Save: How Exercising Will Save You Money

Our Master List of 100% Free Mental Health Self-Care Tactics

Why You Probably Don’t Need That Gym Membership

How to Get DIRT CHEAP Pet Medication, Without a Prescription 

On other big expenses:

Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question

Understand the Hidden Costs of Travel and Avoid Them Like the Plague

Other People’s Weddings Don’t Have to Make You Broke

You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

When (and How) to Try Refinancing or Consolidating Student Loans

The Real Story of How I Paid Off My Mortgage Early in 4 Years 

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It

On buying secondhand and trading:

Almost Everything Can Be Purchased Secondhand

I Am a Craigslist Samurai and so Can You: How to Sell Used Stuff Online

The Delicate Art of the Friend Trade

On giving gifts and charitable donations:

How Can I Tame My Family’s Crazy Gift-Giving Expectations?

In Defense of Shameless Regifting

Make Sure Your Donations Have the Biggest Impact by Ruthlessly Judging Charities

The Anti-Consumerist Gift Guide: I Have No Gift to Bring, Pa Rum Pa Pum Pum

How to Spot a Charitable Scam

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again? 

On resisting temptation:

How to Insulate Yourself From Advertisements

Making Decisions Under Stress: The Siren Song of Chocolate Cake

The Magically Frugal Power of Patience

6 Proven Tactics for Avoiding Emotional Impulse Spending

On minimalism and buying less:

Don’t Spend Money on Shit You Don’t Like, Fool

Everything I Know About Minimalism I Learned from the Zombie Apocalypse

Slay Your Financial Vampires

The Subscription Box Craze and the Mindlessness of Wasteful Spending

On saving money:

How To Start Small by Saving Small

Not Every Savings Account Is Created Equal

The Unexpected Benefits (and Downsides) of Money Challenges

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

From HYSAs to CDs, Here’s How to Level Up Your Financial Savings

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

The Magic of Unclaimed Property: How I Made $1,900 in 10 Minutes by Being a Disorganized Mess

We will periodically update this list with newer articles. And by “periodically” I mean “when we remember that it’s something we forgot to do for four months.”

Bitches Get Riches: setting realistic expectations since 2017!

Start saving right heckin’ now!

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[octuscle]

The ghost of Beta Rho Omega

Jeff and Scott were standing in front of a hovel. It must have been an impressive house once. But the broken porch, the half-collapsed roof, the broken windows, it was all pitiful. And all in such an excellent location. The university campus was around the corner, with a few remaining fraternity houses in the neighborhood, but the majority of them were investment properties such as student residences, boarding houses and office buildings, with coffee shops and co-working spaces on the first floors. Not exactly their world. Jeff and Scott were the children of laborers, their children were laborers. In their minds, students were freeloaders and ne'er-do-wells. And in many cases, even voters for the Democrats. As I said: Not their world!

Their job today was to clear out the wreckage, tear down the porch and prepare the construction site for the excavators that would arrive tomorrow to clear the way for a new Starbucks or something. They didn't need to unlock the door, and they didn't have a key anyway. A powerful kick was enough. And the rotten wood gave way with a crash. A cat fled screaming from the dark room, which smelled musty. The young colleagues would have put on face masks by now. Wimps, Jeff thought to himself. They shone flashlights around the room. It looked as if a farewell party had been held many years ago and then the building had been abandoned. Beer bottles and weathered pizza boxes could still be seen in the thick dust. The furniture was covered in droppings from pigeons, cats and other animals. Scott went to a window and forcefully pushed it and the shutters off their rusty hinges. Fresh air! Thank God! And light that offered an even better view of the chaos. Part of the ceiling had come down. Water damage. The wallpaper was hanging in shreds from the walls. The only thing that looked surprisingly clean and intact was a large banner above the fireplace “verum homines olet, verum homines amant odor verus hominum”. Scott asked what that meant. Jeff replied if he looked like that, would he speak Spanish.

The two of them searched the first floor. The stairs leading upstairs didn't look like they could withstand two massive workmen. They would need a ladder. The kitchen smelled like rotten food and animal droppings. There were pictures hanging in a hallway. Some of them were a little yellowed. But surprisingly, the frames of the pictures were dust-free. On the frames were brass plates with names on them. And in front of each one was always the same: “Bro of the Month” and a date. Some of the plates were from the 50s, some from the 70s, some from the 90s. There must have been many more pictures in the past.

The shadows of the missing pictures could be seen on the wall. The last two Bros of the Month whose pictures were still hanging were called Jeff and Scott. And the Bros, who, like the other shirts, had BPO printed on them, clearly looked like what Jeff and Scott would have looked like if they had spent their high school days in the gym and on the football field. Jeff and Scott turned pale. Pale like the freshly painted wall behind them. Shit, Jeff had to throw up, was there a bathroom around here? He opened the nearest door.

White tiles, urinals, toilet boxes. Jackpot! He opened a box and broke into the toilet bowl. Shit, shit, something was wrong! Yes, there were puddles of piss and obviously more than one guy had jerked off here. But everything was in good condition. “Bro, everything okay in there?” Was that Scott? His voice sounded different. Younger. Deeper. ”Dude, are you jerking off? Or why is it taking so long?”

Jeff went back to the hallway. The guy standing there was probably Scott. With longer hair. And somehow… younger! Had he changed his clothes? Or had he been wearing the overalls all along? And damn it, why wasn't he wearing a helmet or a T-shirt. And Scott stank! Of sweat and musk. Shit, shit, shit! Scott raised an arm and scratched the back of his head. Like the Scott in the picture “Bro of the Month.” He inhaled the stench from his hairy armpit. A deep cave between large pectoral muscles and impressive biceps and triceps. Was Jeff seriously getting a boner? Scott began to knead the bulge in his crotch with the hand that wasn't scratching his head. “You like what you see, bro?” Why did Scott talk like that? “Bro,” that's what young, stupid college students called each other. Not workers. Like Jeff and… Were they workers? Scott had been his buddy since high school. Most successful quarterback in ten years. And he himself… Wasn't he… Right, the linebacker. Shit, maybe he'd just had too much to drink yesterday. Jeff flexed his pecs. He knew that made Scott hot. ”Of course I like it, bro! How about you? Do you like it?” On Jeff's naked chest, beads of sweat glistened in the chest hair. Scott lowered his dungarees and freed his cock from the yellowed and encrusted jockstrap. With one hand he jerked his cock, with the other he worked Jeff's right nipple. Jeff moaned, unbuttoned the waistband of his trousers Scott pushed Jeff back to the toilets and pushed him against a wall. He spat on his dick and began to insert it into Jeff's ass. Shit, why couldn't the two of them be together for half an hour without having sex?

Last night's party had gotten out of hand again. Like almost every party at Beta Rho Omega. Jeff and Scott were on garbage duty this time. Damn, a few of the chairs in the dining hall had been broken. That happened quite often, too; the BPO members were the biggest guys on campus. The alumni were used to writing regular checks for new furniture. The guys from Rho Epsilon Epsilon Kappa across the street had really overdone it again two years ago; their house had to be completely renovated. But hey, that was the neighborhood: a bunch of frat houses where big, dumb guys competed to see who could throw the best parties. A few went to college. But they were just a few nerds.

Pics by @ki-kink, inspiration by @rowdy317

[makingspiritualityreal]

Planets in Houses Areas of Interest in Astrology

In my studies, I have encountered an extremely detailed and accurate list coming from classic Vedic text, representing what will concern each planet in a given house.

Note, that certain planets perform fundamentally better in certain houses, but the general state of the house affairs will depend on the condition and aspects of the planet. I will give an example of how to interpret a planet below the list.

Note, that Rahu and Ketu are missing, because their results are calculated according to their dispositor.

Sun

1st House Sun Body, Personality, Health

2nd House Sun Intelligence about Maintaining Wealth

3rd House Sun Intelligent Use and Consistency of Skills

4th House Sun Palaces, One's Kingdom

5th House Sun Leadership, Nobility, Esteem

6th House Sun Government Services

7th House Sun Egotism of Spouse or Partner, Partner's Consistency

8th House Sun Vitality, Energy Levels

9th House Sun Father

10th House Sun Government, Activity, Status, Power, Father's Influence

11th House Sun Titles, Certificates

12th House Sun Temples, Places of Worship

Moon

1st House Moon Body, Ego

2nd House Moon Face, Sense Organs, Contentment

3rd House Moon Music, Rhythmic Ability

4th House Moon Mother, Foundation of Feelings

5th House Moon Imagination, Ability to Improve One's Consciousness

6th House Moon Development of Body, Physical Maturation

7th House Moon Popularity, Public Relations

8th House Moon Change, Adaptability

9th House Moon Father's Popularity and Character

10th House Moon Popularity

11th House Moon Popularity in Groups or Organizations

12th House Moon Dreams, Inner Worlds

Mars

1st House Mars Character, Sense of Right and Wrong

2nd House Mars Mineral Wealth

3rd House Mars Siblings, Peers, Bravery, Training

4th House Mars Land, Houses, Property, Mother

5th House Mars Convictions, Strength of Opinions

6th House Mars Accidents, Overcoming Enemies, Weapons

7th House Mars Challenges in Relationships

8th House Mars Surgery, Battles, War

9th House Mars Brother and Sister in Law, Moral Code

10th House Mars Command, Overseers

11th House Mars Character and Motivation of Group Dynamics

12th House Mars Results of Enemies Actions, Secret Enemies

Mercury

1st House Mercury Senses, Ability to Cognize Experiences

2nd House Mercury Speech, Friends

3rd House Mercury Travel, Discernment, Crafts, Communications, Games

4th House Mercury Relatives

5th House Mercury Speculative Investments, Mantra Practice

6th House Mercury Maternal Aunts and Uncles, Legal Matters

7th House Mercury Business Partners, Commerce and Trade

8th House Mercury Corporations, Occult Knowledge, Past Life Fortune

9th House Mercury Past Life Fortune, Judges, Codes of Conduct

10th House Mercury Employer, Apprenticeship, Capacity to Manage

11th House Mercury Playing the Game of Success

12th House Mercury Long Term Investments, Contemplative Knowledge, Purchasing Expenses, Gain of Lost Items

Jupiter

1st House Jupiter Optimism, Opportunities

2nd House Jupiter Wealth

3rd House Jupiter Spiritual Art, Written Wisdom

4th House Jupiter Happiness, Banks, Fruit Bearing Groves

5th House Jupiter Children, Father's Grandfather, Knowledge and Learning

6th House Jupiter Forgiveness

7th House Jupiter Husband, Wealth Partner Brings

8th House Jupiter Inheritance

9th House Jupiter Guru, Teacher, Ease of Fortune, Grand Children

10th House Jupiter Capacity to Manage

11th House Jupiter Income

12th House Jupiter Mother's Mother, Charity

Venus

1st House Venus Strength, Recuperative Ability

2nd House Venus Food, Jewelry Wealth

3rd House Venus Father in Law

4th House Venus Pools, Lakes, Vehicles

5th House Venus Romance, Affairs, Students

6th House Venus Nursing, Physical Succor

7th House Venus Wife, Mother's Mother

8th House Venus Conjugal Bond, Sex

9th House Venus Father

10th House Venus Mother in Law

11th House Venus Fair Distribution of Wealth

12th House Venus Nursing Homes, Mistress, Mother's Father, Vacations

Saturn

1st House Saturn Ability to Endure Hardship

2nd House Saturn Thriftiness, Wealth from Hard Work, Rock Quarries

3rd House Saturn Servants

4th House Saturn Pets

5th House Saturn Fall from Position

6th House Saturn Overcoming Debts and Diseases

7th House Saturn Appreciation of Relationships, Lack of Empathy

8th House Saturn Chronic Disease, Death, Flaws, Weaknesses, Liabilities

9th House Saturn Delays to Fortune, Delays to Creativity

10th House Saturn Duty

11th House Saturn Elder Siblings, Livestock

12th House Saturn Personal Expense, Loss, Capital Expense, Prisons, Imprisonment

Source for the List - Art and Science of Vedic Astrology Vol 2 Ryan Kurczak & Richard Fish. They themselves used original Vedic Resources for the list, I sourced their material for the sake of Vedic translation.

Interpretation example - I have Saturn in the 4th house and I've always had a good bond with pets since I was a child, they would just appear in my life. It seems natural to me, but in reality many people have allergies, don't own pets, their pets don't survive long, they don't share such a special bond with them or their family situation doesn't allow them one, parents forbid them. Not only did I always have a pet, they were also extremely long lived. As a child, I used to have a hamster that survived 5 years, when the average age of a syrian is up to 3, I had a cat that my mom got but the cat ended up loving me and lived 21 years, and when my cat died, my husband's pup yorkie decided that I'm the love of his life. The pets survive so long, because my Saturn is excellently placed in Aquarius with no bad aspects, so I get to have them and care for them to the point of them reaching the age of physical incontinence. Someone with a difficult, badly aspected Saturn in the 4th would have their own story, but nevertheless the placement would manifest as still having that intimate pet experience in their life.

Another example - I have Venus in the 3rd house and I live with my father in law. I never even met my mother in law, as she has no contact with my husband. Yet people with Venus in the 10th will have her as a prominent figure in their life in some capacity. So this list can show which area of your life will yield a physical manifestation in the first place.

This is how you should superimpose this list onto your chart, checking the individual condition of each planet. Note, that these interpretations are NOT applicable in the Navamsa chart, according to Vedic source.

You can also see from the list, that certain placements produce a particular struggle in one's chart, while other planets produce less problems. I will now make a short list of those troubled placements. Note, that I am not including statements about conditions of given planets, which can turn the mentioned events difficult even for a theoretically good scenario. I am only talking about the houses that give an unquestionable struggle. Interestingly enough, this list differs from the traditional Marana Karaka, and it seems to indicate that even out of most difficult placements, one can build something worthwhile. So I will focus only on placements that bring objective difficulty.

Sun

The Sun has its negative impact in the 7th house, where no matter what it produces egotism from one's spouse or partner. With this position, one basically gets partnerships in life with people that boss them around. But if in a good condition, the partner will be consistent, which I'm interpreting as faithful and committed to the relationship, not looking for outside adventure. So even the worst Sun position has some upside to it. The Sun is hard to mess up.

Moon

Even though traditionally the Moon is feared in the 8th house, here it indicates simply a life full of change and forcing one's ego to adapt, which can actually turn out smooth if the Moon is well placed. The most challenging placement for the Moon is actually the 1st house, where the Moon becomes extremely egoic. From my experience with these natives, it is very true, they struggle to mature and force being the center of attention and their ego blinds them. They are very devoted to their loved ones, but extremely self focused, more than any other 1st house planet on the list. So with Moon in the 1st house you are simply an unquestionable egoist.

Mars

Mars has several gray areas that we will touch on, mostly in Dusthanas. Mars produces results of accidents, weapons and surgeries in the 6th and 8th house, and these are the two most common placements I've seen in charts of doctors. These placements are however not the worst ones, because Mars here has the capacity to do battle where the fight takes it, by joining the army or working with the sick.

The most difficult Mars is in the 12th and 7th house. Mars in the 12th house people grow to always suffer long term from some ailment and that is a result of someone else hurting them. I've seen this in a chart of a person that got injured in their workplace in their mid-life and is still getting surgery for the consequences of it in their old age. More notably, we can see it in the chart of Britney Spears, who has various health issues as a result of accidents through difficult physical work she was forced into by others. This is a placement of physical victimhood from people, who stab the native in the back. My guess is, a strong Mars would endure more, but the event will still happen.

Mars in the 7th house is difficult, because these people always bicker in intimate relationships. They have a karma of constant fights with their partner, as they really try to subliminally achieve domination in a partnership, which is impossible because partnership is about equality and compromise. This placement makes it nigh impossible to achieve marital harmony, unless someone enjoys the fighting, and leads to frequent breakups or one's partner cheating. My mother had this placement, and my only memory of her and my father together is them fighting, and she died single.

Mercury

Mercury is a lucky planet, because it has no obvious pitfalls unless badly placed. Interestingly enough, even Mercury in the 12th house has the power to "purchase expenses", and if well placed, make gains from it. As I know a few Mercuries in the 12th house personally, let me decode this for you. People with this placement have a unique knack to purchase items or property of depreciating value and turn it around. My friend with this placement aspecting her Moon invested long term in buying my falling apart post-communist family inherited apartment and is making her home there, and she also has a fantastic knack of receiving thrifted clothes and tailoring them, a hobby we share. These natives have a talent of turning trash to treasure.

Jupiter

Unsurprisingly, there are no bad houses for Jupiter, as even in difficult houses it leads to forgiving one's enemies, being charitable, or receiving an inheritance.

Venus

Similarly to Jupiter, Venus soothes all houses unless afflicted. Venus is able to soothe physical suffering even in the difficult 6th house, or in a nursing home in the 12th. Interestingly enough, Venus in the 12th in a good sign points to the ability of being fulfilled in love even in the seemingly degrading position of being "the other woman" or as the list says, the mistress.

Saturn

Despite it being marana karaka, a well placed Saturn in the 1st gives endurance and is not the worst placement for it, and other houses such as 6th give it endurance to overcome obstacles too. The difficult position for Saturn is actually the 5th, where it shows decline of status or as the list states "fall from one's position". Saturn has a difficult time in most houses compared to other planets, as in the 7th it makes one lack empathy, which will lead to bad karma in the next life, even in the native blocks out the consciousness in this life, and in the 8th and 12th leads to various calamities. So even the strongest Saturn in these houses can simply endure these difficulties, and hope they pass.

[theambitiouswoman]

hi! i really want to get better with my finances next year but.... i have NO idea where to start. i'm a writer and english major, maths is my enemy and i'm so bad with numbers. but i'm 21, i'm getting older and graduating my masters next year and it's time to get started with my career as i won't be living off of this student loan anymore AND will have to eventually pay it back 😭

i wanted to know if you have any tips about finances, saving ... what i should even do, how i begin? any resources or beginner books to get me started on knowing anything money wise? i'm literally a 2 year old when it comes to this topic i'm quite clueless but i want it to change, so literally any basic advice would help me so much right now. by the time 2025 ends i want to be really good with money and finance knowledge!

First of all it’s amazing that you’re 21 & already graduating with your masters!!!

Let’s start with some simple tips:

For one month, write down every dollar you spend. This will show you where your money goes and where you can cut back.

Use the 50/30/20 rule: 50% of your income for needs, 30% for wants & 20% for savings or debt.

Even if it’s small, open a high yield savings account and set up automatic transfers. Saving a little every month adds up fast!

You can start learning about investing. These are beginner friendly ideas to help you grow your money:

1. Index Funds and ETFs: These are great for beginners because they’re low cost & diversified. Popular ones include the S&P 500 index funds (like VOO or SPY). You don’t have to pick individual stocks, you’re investing in a basket of companies.

2. Retirement Accounts: Roth IRA or 401(k) (if offered by your job). Contributions grow tax free in a Roth IRA, which is great for long term wealth.

3. Dividend Stocks: Some companies like Coca Cola or Johnson & Johnson play dividends. This gives you regular income while your investment grows.

4. Fractional Shares: Apps like Robinhood, Fidelity, or M1 Finance let you buy small portions of expensive stocks like Amazon or Tesla so you can start with as little as $5.

5. Real Estate Investing: If buying property isn’t an option yet, try REITs (Real Estate Investment Trusts), which let you invest in real estate without owning property.

6. Life Insurance: You can use life insurance to build wealth. With whole or universal life insurance, you can borrow against the policy’s cash value to invest or cover major expenses. Payouts are generally tax-free, and the cash value grows tax deferred.

You can check out these YouTube/Instagram accounts:

The Financial Diet

Clever girl finance

Her first 100k

Girls that invest

mrsdowjones

female.in.finance

shewolfeofwallstreet

Ellevest

Good luck! Proud of you 👑

[writerdream22]

requested by: anon, I sincerely hope you like this ✨🌻💛

pairings: Sirius Black x reader (platonic), James Potter x reader (platonic), Lily Evans x reader (platonic), Remus Lupin x reader, etc.

warnings: female!reader. there might be some curse words

a/n: for the Amortentia smell I took inspiration from a post by @littlemessyjessi (it was amazingly detailed omg)

It has been some time since I’ve last written on this blog, and I'm not confident in my writing anymore. I'm sorry if this is too long or confused of a piece to read!

feedbacks are always appreciated!

If you wish to be part of a taglist don’t hesitate to ask!

You hated Remus Lupin.

He was your arch-nemesis, the one individual that kept you from becoming the best student in your year. The one that always managed to be awarded the most points for your house, except for a few occasions (which were quite scarce to be honest).

It seemed like he found some sort of enjoyment in seeing you strive for the professors’ attention. Needless to say, you did not enjoy any part of this academic rivalry.

The other Marauders were quite invested in the dynamics of the relationship between you and Remus. As a matter of fact, it looked like they came up with all sorts of plans in order to see the two of you together.

On one particular occasion, you and the other fifth-year students were attending potions class and experimenting on Amortentia and all its properties. Professor Slughorn was walking between the worktables and monitoring everyone's work.

Just as you were about to write down the correct dose of peppermint before adding it into the cauldron, Slughorn spoke.

"Can any one of you recall who was a pioneer in the creation of Love Potions?"

Your eyes widened. You knew the answer, and you didn't want Remus to take the glory and win the points for Gryffindor once more. You were determined to win.

"Yes, Mrs. Y/l/n?" professor Slughorn questioned, seeing your raised hand.

"I reckon it was Laverne de Montmorency, sir"

The older man nodded at your response before saying"It was her indeed. Very good Mrs. Y/l/n, five points to Gryffindor!".

You smiled widely and took the opportunity to turn around and see Remus' face. He was glaring at you, while Sirius and the other Marauders were teasing him.

"Got anything to say, Lupin?" you asked, to which he curtly responded with a "No".

The whole ordeal died out within a few minutes, and everyone went back to doing their assignment.

After some time Slughorn decided that it was time for his students to show the results of their work; therefore he called out a couple of names at a time so that they could be evaluated.

It didn't take very long for him to say your name which was followed by Remus', much to your dismay.

"It seems like there weren't any incidents in the preparation so there shouldn't be any problems with the potion. Mrs. Y/l/n, why don't you begin?"

You could not understand what he was talking about.

"I'm sorry, I—"

"Tell us about the smell that comes from your cauldron."

You could feel everyone's eyes on you. Especially your best friend's, and the Marauders'.

Needless to say, as soon as your face was above the cauldron you hesitated to analyse the smell coming from it.

"What do you smell then, Mrs. Y/l/n?"

You cleared your throat and spoke up, even though you were too anxious to even utter a single word.

"Uhm, let's see — warm cashmere, cassis, parchment paper, ink, and— chocolate, I think"

As soon as you said that you noticed that the Marauders started whispering between each other. You couldn't see Remus' face since he was standing next to you, but from the way Sirius was giggling it seemed like he was shocked.

A strange thought came to your mind, but you quickly brushed it off. It couldn't be, right?

Slughorn's voice brought you back to reality.

"Very well. Now, Mr. Lupin, tell us what you smell"

It was obvious that Remus was as nervous as you were when he started describing the smell coming from his own cauldron. You did not dare turn to watch him directly since you couldn't stand embarrassing yourself more than you already did.

"It's a bit unclear but—" he stated "I smell a hint of roses, then... books, cedarwood, basil and thyme".

Your eyes widened once again. You always wore a rose perfume, and had developed the habit of lighting up a cedarwood, basil and thyme candle with your roommates in the Gryffindor common hall. Something which Remus always complained about whenever he and his friends walked into the aforementioned place.

You swore you could hear Sirius and James snorting for how much they were suppressing their laughter.

Professor Slughorn could clearly sense that the situation was somewhat getting out of hand, so he warned the boys about giving them detention and dismissed the class.

You were tempted to run away, but you had a couple of classes left so you pushed through and waited until they ended to finally get into your dormitory.

Thankfully, you hadn't seen the Marauders since the incident a few hours prior. However, the fact that you were with your best friend Lily Evans (who was James' girlfriend) implied that you were bound to meet them, eventually.

Unbeknownst to you, while the two of you were sat in your dormitory the Marauders were busy talking about the aforementioned "incident" during potions class.

"Admit it, you smelt her perfume!" Sirius exclaimed, to which Remus responded with a scoff.

"Don't you 'hmph' me, Moony! You like her and she likes you!"

"No, I must've interpreted the scents wrong... I despise her! She always tries to be better than me and steals the points that I should get for the house!" Remus remarked.

"Too bad we don't believe a word you're saying!" James stated "If you really despise Y/n, tell us why"

"Well, for starters, she always seems to know things better than I do. I feel like that annoying perfume of hers is always up my nose and she never seems out of place. And, and— she's... I just hate her guts!"

The Marauders stared at each other for a few seconds, then bursted out laughing.

Remus was so confused that Sirius had to explain to him that those were not valid reasons to hate someone, but rather he was just saying what he liked about her.

Moony kept denying his friends' accusations, but there was a part of him that couldn't help but think that maybe they were right. Just maybe.

Maybe he didn't really hate you. Maybe those very parts of you which he had insulted were the reasons why he liked you, and wanted to distance himself in fears of hurting you. He couldn't pinpoint the exact things he was feeling in that moment: it was like a flood was pervading his mind and heart.

"You really think that—" he muttered, to which the other Marauders responded saying "Yes! You must tell her, Moony. Right now!"

Even though a part of Remus kept telling him that things might have gone awfully wrong and that he wouldn't have been able to do it, he took courage and walked up the stairs and to your dormitory by himself.

Unbeknownst to him and his friends, you and Lily had been busy talking about the same thing: you and your feelings for Remus.

Your 'girls talk' was interrupted by a knock on your door.

"Who is it?"

"Y/n, it's Remus. I have come in peace"

You immediately stood up from your bed, and rushed to the door.

"Yes?" you opened the door, expecting to find all the boys behind him. It was rather surprising to see Remus by himself.

"I was wondering if we could talk. Just the two of us" he stated, to which you responded with a nod of your head.

You turned around to see Lily standing, with her thumbs up and a big smile on her face, which suggested that she was going and you were staying there.

As soon as she began walking down the stairs, you shut the door and invited Remus to sit down on your bed.

"There is not an easy way to say this. But I'm not going to beat around the bush" he said "I didn't think I would ever say these words, but... Recent events have led me to come to the conclusion that I like you"

"I'm sorry, what?"

"I like you, Y/n. I am in love with you, and I hope that you reciprocate my feelings or else I've made a fool of myself"

You were looking at him like he was an alien. Did you or did you not understand the weight of his words?

"I'm sorry, what?" You asked once again.

"Oh for fuck's sake. I am in love with you, Y/n Y/l/N!"

With that, you started laughing.

"Why are you—"

"I heard you the first time. I just needed the information to sink in" you said, giggling "I like you too, Remus".

What a strange way to react to one confessing their feelings for you.

Remus smiled. He couldn't believe that it was all real. He had to protect this newfound tranquility, the beautiful yet unexpected source of his happiness, at all costs.

"I won't force my affection on you or anything. If you're comfortable doing so, I'd like to hold your hand"

"Of course you can"

And he did.

Remus slowly reduced the distance between the two of you, then timidly held out his hand which you took with the same bashfulness.

You loved Remus Lupin. You really did.

And you couldn't wait to live your future with him.

[anexperimentallife]

There are landlords (necessary extra-space renters), and Landlords (evil parasitic investors). I know we all hate the idea of landlords, but I'ma go out on a limb here and say the smaller kind are necessary until and unless universal transferable housing becomes a thing. I mean, do you want your college years living choices to be between dorms, parents, and buying a house, or would you rather be able to rent some temporary digs for those few years?

There's a big, big difference between corporations and rich folks buying up properties to rent at the highest price they can get, while squeezing legitimate individual buyers out of the market, and someone who, say, inherited or bought an extra house or fourplex and rents to students who don't want to live in dorms for college, and who charges a reasonable rate to deal with upkeep and time spent and emergency repairs and stuff.

Again, is this ideal? No. But I'd argue that as long as we live under the current system, the woman who rents out the house her dad left her to college students isn't the enemy, and might even be an ally.

It's the ones buying up "investment properties" who need to go up against the wall.

[dufferpuffer]

Just read your post about Tonks. Tonks surely was a student of Snape's. Just imagine. Tonks. In Potions. With Snape. Tonks, canonically the clumsiest character of the entire series. Potions. The SUBTLE science and EXACT art of potion-making. NO foolish wand-waving or silly incantations. Tonks is not subtle and exact. Tonks is foolish and silly. And that, to Snape, is INFURIATING. However, Tonks is an Auror. This means Tonks succeeded in getting an Outstanding O.W.L in Potions. This means Tonks took Potions N.E.W.T. This means Snape was probably hoping and praying he would never see her face again after her 5th year but SURPRISE. The girl is SMART and Snape is, unfortunately for him, a fair grader (yes he is idc what people say). I want to see this. I want to see Tonks being an absolute clumsy mess in Potions and Snape being livid but at the same time frustrated because he knows she has potential but she's just not careful and she's witty and talks back and he can't just truly hate her. THIS brings me to the scene in HBP where Tonks brings Harry to the gates after he got knocked out by Malfoy on the train. She sends a Patronous inside the school to get the gates opened. Snape comes and tells her that he noticed her Patronus had changed (now a wolf so cute omg). Therefore, Snape remembers her Patronus from before, but it's like he catches himself and makes a sly remark about her new Patronus being weak because it's a wolf. Like a father disapproving of his daughter's choices for falling in love with a mangy werewolf (love you Remus). Idk I loved that scene because it hints that they have a bit more history together than we think. It could also just be from both being part of the order, but I feel there is a bit more. What do you think dear tumblr friend?

I think she and Snape were buddies. As much 'buddies' as Snape can manage with a student, anyway.

There is a reason Tonks stomachs Moody so well - and its because she's had A LOT of practice with grumpy hard asses. She takes biting comments well, she isn't ever afraid to dish humor back, she knows well when to take things seriously and when to help lighten the mood - handy for people who can't relax easily.

She trained those teeth on Snape, I guarantee it. She LIKES bastards. She enjoys making people happy, she enjoys exceeding expectations, she likes proving herself reliable - and bastards are the hardest to please. She doesn't see blemishes or ugliness or scars - just the person. She likes making them smile.

She's clumsy. She's a disaster. He can't ignore her no matter how much he might want to sometimes - because she might die... ...and yet, her skill is obvious. She pulls through when she needs to. I like to think Potions might have been one of her worst subjects - but she worked hard at it, and enjoyed it, and asked questions.

Not just "Did I chop the Mudwort root thin enough, Sir?" But "Ey, Prof - if this potion utilities the healing properties within the cells of the root, shouldn't we be grinding it rather than slicing it...?" You know. She's actually invested, deeply learning about the topic, willing to experiment. Making him answer with thought. "...No, breaking the cell wall makes it burn away too quickly. We slice thinly to ensure good, even absorption."

And then her cauldron explodes later anyway because she accidentally tipped some leaves in with the slices. Oops. BUT... she will stay behind to fix it. She will ask to practice when she has free time. She isn't talented, nor careful - but its hard not to appreciate her enthusiasm and her dedication to success. He spent a lot of time with her. Being able to mark her a genuine "O" in her NEWTs was one of his proudest moments as a teacher.

Perhaps it's part of why Hermione annoys him so much, too - she appeared like an interested student on the surface, having read her books... but she never stepped the fuck up. She never tried. She never pushed it. She never used her brain. An insufferable know-it-all is ONLY better than a complete dunderhead in that they're safer to have in the classroom. But she doesn't encourage other students learning, she doesn't push herself, she doesn't actually care about the topic... just getting everything right, to prove she is smart or whatever.

Same with Neville: A clumsy oaf that seems to do nothing at all to mitigate that fact. barely even stays behind to clean his own messes. They say Longbottom is 'frightened of him' - well he isn't there to coddle him. He never needed to coddle Tonks. She took his bite as a challenge to do better and soared because of it. She was an oafish moron... but a rare gem.

...And then she started dating FUCKING LUPIN The first thing he said when she was so obviously showing interest it made him feel ill was "...You know he is a werewolf, yes?" And when she responded "Yeah, duh - what of it?" He groaned "Of course... you've never had any common sense..." And the look he snapped at her when she cheekily said "...Gave you hell at school, too - didn't he?"

Tonks teased him. Of course she did. There were days when he walked into class to see she had turned into a foolish version of him... But she knew how to hold back. She is a highly empathetic woman. Even when she was young... the few times she sensed perhaps she went too far: She was mature enough to apologize. Sensitive enough to realize he would not want such apology in front of others, either - and wait till after class to hang her head. It was difficult to stay mad at her. She was just too damn earnest.

In many ways: She reminded him of Lily. Firey, obsessed with magic, popular, friendly - brightened up every room she entered. Seemingly cared about everyone. Even him. It was just... pleasant. Familiar. She was a very different person, of course - but interacting with her felt a little like home. Perhaps a few times a little piece of him slipped out to her - something more juvenile and playful than he has been for years.

...That's what I think, tumblr friend B^) I think its a good thing they didn't find out eachother had died. They would have been distraught for eachother.

But if they both lived...? I think she could have been the thing that healed Snape and Lupins relationship. They both care for her - and can at least be civil with eachother for her sake.

Imagine: post-war family BBQ's with Snape and Lupin arguing over how to cook. Lupin wants to prove himself handy but Snape knows he's fucking useless. (Tonks is the true BBQ dad.) Snape babysitting Teddy. He'd be such a good uncle.

EDIT: Remus and Tonks were BOTH awful at potions. Tonks at least became competent through sheer effort - but they still both go to beg him for help when they need anything. I think Lupin/Tonks/Snape would be fun :^)

[incorrectbatfam]

I need to know the story behind these goons

Anon is referring to these guys

Rob is a single parent with 6-year-old twins who turned to a life of theft to provide for his family after a series of layoffs and a bad investments left them hanging by a thread. As his schemes got more elaborate, he linked up with the rest of these guys in a deal where they all give each other a hand.

Blaise is a concert pyrotechnic who walked away from the industry after their boss ignored a safety issue that led to one of their coworkers getting hurt so now they only take freelance gigs that happen to be commissioned by bad guys.

Kellin got fired from the League of Assassins after only week because they botched a training exercise Wile E. Coyote style and blew up Ra's Al Ghul's sauna but still has the thirst for blood that made them wanna be an assassin in the first place.

Molly was a chemistry grad student until an academic dispute forced her to drop out. Now she synthesizes her own experimental drugs and sells them on the black market, hoping to save enough to pay for her gender reassignment.

Otto is a jaded car mechanic who has to keep working despite his old age and chronic pain, and at this point he's too tired to care who he's working with or what he's doing so long as his needs are being met.

Milo is a teenager with a long string of disciplinary issues who ran away from home after his parents threatened to ship him off to military school. He starts working odd jobs to support himself and lands amongst the rest of these guys.

Gene was pressured into going into biomedical research by an overbearing family and snapped under the stress, leading to a rampage that cost thousands in property damage and a decade of lost data. Everyone he knew cut him off and he's laying low from the authorities.

Mac has been stuck in the same dead-end IT job for years and longs for a challenge that no career seems to satisfy. He turns to being a gray hat hacker in his spare time, mainly for the thrills and the opportunity to be creative. Any money he earns is circulated back into his operation.

Booker is just there for college credit but he likes it and plans to stick around. His talents include fixing copy jams and setting up team bonding activities at the mini golf course.