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artist-issues · 2 years ago

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I Hate How She Talks About Snow White

"People are making these jokes about ours being the PC Snow White, where it's like, yeah, it is − because it needed that. It's an 85-year-old cartoon, and our version is a refreshing story about a young woman who has a function beyond 'Someday My Prince Will Come. "

Let me tell you a little something's about that "85-year-old cartoon," miss Zegler.

It was the first-ever cel-animated feature-length full-color film. Ever. Ever. EVER. I'm worried that you're not hearing me. This movie was Disney inventing the modern animated film. Spirited Away, Into the Spider-Verse, Tangled, you don't get to have any of these without Snow White and the Seven Dwarfs (1937.)

Speaking of what you wouldn't get without this movie, it includes anime as a genre. Not just in technique (because again, nobody animated more than shorts before this movie) but in style and story. Anime, as it is now, wouldn't exist without Osamu Tezuka, "The God of Manga," who wouldn't have pioneered anime storytelling in the 1940s without having watched and learned from Snow White and the Seven Dwarfs in the 1930s. No "weeb" culture, no Princess Mononoke, no DragonBall Z, no My Hero Academia, no Demonslayer, and no Naruto without this "85-year-old cartoon."

It was praised, not just for its technical marvels, not just for its synchronized craft of sound and action, but primarily and enduringly because people felt like the characters were real. They felt more like they were watching something true to life than they did watching silent, live-action films with real actors and actresses. They couldn't believe that an animated character could make kids wet their pants as she flees, frightened, through the forest, or grown adults cry with grieving Dwarves. Consistently.

Walt Disney Studios was built on this movie. No no; you're not understanding me. Literally, the studio in Burbank, out of which has come legends of this craft of animated filmmaking, was literally built on the incredible, odds-defying, record-breaking profits of just Snow White and the Seven Dwarfs, specifically.

Speaking of record-breaking profits, this movie is the highest-grossing animated film in history. Still. TO THIS DAY. And it was made during the Great Depression.

In fact, it made four times as much money than any other film, in any other genre, released during that time period. It was actually THE highest-grossing film of all time, in any genre, until nothing less than Gone With the Wind, herself, came along to take the throne.

It was the first-ever animated movie to be selected for the National Film Registry. Actually, it was one of the first movies, period, to ever go into the registry at all. You know what else is in the NFR? The original West Side Story, the remake of which is responsible for Rachel Ziegler's widespread fame.

Walt Disney sacrificed for this movie to be invented. Literally, he took out a mortgage on his house and screened the movie to banks for loans to finish paying for it, because everyone from the media to his own wife and brother told him he was crazy to make this movie. And you want to tell me it's just an 85-year-old cartoon that needs the most meaningless of updates, with your tender 8 years in the business?

Speaking of sacrifice, this movie employed over 750 people, and they worked immeasurable hours of overtime, and invented--literally invented--so many new techniques that are still used in filmmaking today, that Walt Disney, in a move that NO OTHER STUDIO IN HOLLYWOOD was doing in the 30's, put this in the opening credits: "My sincere appreciation to the members of my staff whose loyalty and creative endeavor made possible this production." Not the end credits, like movies love to do today as a virtue-signal. The opening credits.

It's legacy endures. Your little "85-year-old cartoon" sold more than 1 million DVD copies upon re-release. Just on its first day. The Beatles quoted Snow White in one of their songs. Legacy directors call it "the greatest film ever made." Everything from Rolling Stones to the American Film Institute call this move one of the most influential masterpieces of our culture. This movie doesn't need anything from anybody. This movie is a cultural juggernaut for America. It's a staple in the art of filmmaking--and art, in general. It is the foundation of the Walt Disney Company, of modern children's media in the West, and of modern adaptations of classical fairy tales in the West. When you think only in the base, low, mean terms of "race" and "progressivism" you start taking things that are actually worlds-away from being in your league to judge, and you relegate them to silly ignorant phrases like "85-year-old cartoon" to explain why what you're doing is somehow better.

Sit down and be humble. Who the heck are you?

#Snow White #Snow White and the seven dwarfs #snow #snow white 1937 #snow white and the seven dwarfs 1937 #Snow White 2024 #Rachel zegler #west side story #poc #Disney #live action Disney hate #animation history #Do not go see this movie. Do not stream this movie.#Anime #anime history

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heide-international-llc-florida · 2 years ago

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#reverse mortgage loans #mortgagebroker #financial updates #florida home #fixed rate loans #homebuyers #real estate #first home buyers #first home finance south west #finance company usa #home loan

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so-i-did-this-thing · 1 year ago

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So, I have a big advice post to write, but until I have the spoons, I want to warn everyone now who has legally changed their first name:

Your credit score may be fucked up and you need to:

check *now* that all your financial institutions (credit cards, loans, etc) have your current legal name and update where necessary

check that all 3 credit bureaus, on their respective sites, not via a feed like Credit Karma (so, Trans Union, Equifax, Experian) are collecting that info correctly and generating the right score - you might need to monitor them for a few months if you made any changes in #1

I am about to apply for a mortgage and learned that as of 2 weeks ago:

Experian suddenly thinks I am 2 different people - Legal Name and Dead Name (none of whom have a score)

Equifax has reported my active 25 year old mortgage as closed and deleted one of my older credit cards, hurting my score by 30+ points

Credit scores influence everything from big home/car loans to insurance rates to job and housing applications.

And for whatever reason, the 3 bureaus that have the power to destroy your life are shockingly fragile when it comes to legally changing one's first name.

So, yeah. Once I get this mess cleaned up for myself, I have a big guide in the works if you find yourself in the same predicament. But with the mass trans migration out of oppressive states, odds are there are a lot of newly renamed people who are about to have a nasty shock when applying for new housing.

Take care, folks.

#trans stuff #transgender #credit score #united states #it is wild having an 800 spread between credit scores lol #a human being could identify there is a problem but so much life impacting shit is automated by stupid and biased algorithms

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hyper-pixels · 10 months ago

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How to Grow Up

A guide on how to grow up. It was originally posted by @/friendliness but half the links were broken. So I took what links weren't broken and added other links and more things to know.

This is USA based resources

Personal

Reasons to Stay Alive – A Tumblr post of 116 reasons to stay alive by @/friendliness.

How to Get Better At Asking for Help – Website is Harvard Business Review. The article is “5 Ways to Get Better At Asking for Help” by Wayne Baker.

What to do if you Can’t Afford Therapy – Website is Psych Central and the article is by Steven Rowe.

How to Quit Smoking – “The 22 Best Ways to Quit Smoking” by Debra L. Gordon and David L. Katz M.D. from the Healthy Digest.

How to Legally Change your Name – Website is Forbes.

Wanna Learn Something New? – A Tumblr post made by @/hamletthedane with various new things to try from language learning to ballet.

Free Harvard Courses – Harvard University’s free online courses.

Getting a New Computer? – A quick and dirty comprehensive guide by WIRED on what to look for.

How to Sew – Website is Autodesk Indestructibles. The article is “How to Sew” by Jessyratfink. Having a small sewing kit (that you can pick up from nearly any craft store) is super handy and has saved my life and clothes.

What to Look For in Clothes A YouTube video by Alyssa Beltempo titled “How to Identify High Quality vs. Poor Quality Clothing | Slow Fashion”. Here’s a WikiHow [x] if a YouTube video isn’t your style.

Dealing with Executive Dysfunction – A Tumblr post made by @/compassionatereminders. It's a list to more links on how to deal with executive dysfunction.

Another List Like this One – A Tumblr post made by a now deactivated account. It's a list much like this one.

Home

What’s a mortgage? – Website is realtor.com and the page is called “What is a Mortgage? Home Loan Basics Explained” by Cathie Ericson.

First Apartment Checklist – A checklist PDF. Here’s another link to a Tumblr checklist [x]

What to Ask Landlords Before Renting? – “25 Questions To Ask a Landlord When Renting a Home” by Morgen Henderson.

What’s Renter’s Insurance? – Website is Forbes Advisor. The article is by Jason Metz and titled “How to Get Renters Insurance”.

Plant Care – A master list of how to care for plants made by @/difficults

Job

Time Management – Website is Entrepenuer and has 10 time management tips. One I personally recommend is keeping a physical calendar book on hand. I keep mine in my bag with a designated pen.

Finding the right job – Website is The Muse and it has 13 free career assessment tests.

Make a resume – Website is Resume Now. Many hirers look at your name, the middle of the page (where your experience list is) and skim the rest.

Job Interview Tips – Website is Linkedin. The article is titled “10 Job Interview Tips to Land The Career of Your Dreams” by Caren Merrick.

How to Write a Cover Letter – Website is The Writing Center. University of Winsconsin, Madison. It’s titled “Writing Cover Letters” and I can’t find the author.

Money

Couponing! – Website is Coupon Database :: Southern Savers. It has a list of mobile apps for coupons to places.

Call 211 for Help – the website leads to 211.org. It's anonymous and can help you get connected to food programs, paying bills and things like doctor appointments. Here’s a Tumblr post about it [x] by @/poessionisamyth

Groceries! – This is a Tumblr meme post, but scrolling through tags/reblogs/replies and there’s plenty of good tips. The post is by @/charlotten

What To Do if You Can’t Pay Your Bills – Website is Nolo. The article is “When You Can’t Pay Your Bills: Thiings To Know” that was updated by Amy Loftsgordon.

Are You Paying Too Much for Your Phone Bill? – An article by Beht Beverman titled “How Much is Too Much to Pay for a Cell Phone Bill?”.

54 Ways to Save Money – Website is America Saves.

How to Do Taxes – Website is Wiki-How.

The 70/20/10 Method – Website is Business Insider. The Article is “A Beginners Guide to the 70-20–10 Budgeting Method” by Paul Kim.

Side Hustle Ideas – Website is Forbes. “30 Side Hustle Ideas To Make Extra Money In 2024” by Krista Fabregas.

Emergency

Your Rights When a Cop Pulls you Over – Website is Business Insider. Cops are allowed to lie to you, and they will, so be careful.

Hotline List – The website is DoSomething.org. Depression/Suicide, domestic abuse, child abuse and runaway/homeless/and at-risk youth hotlines.

What to Keep in Your Car – Website is MentalFloss. I live in a snowy area that gets blizzards and bad ice. I keep blankets, water and other aids in my car as well as a knife and road flare. I also own a self jumping car battery and it has saved my ass more than once. Heimlich Maneuver – A one minute video by the Mayo Clinic.

The Heimlich Maneuver on Yourself – A one minute video by The List Show TV.

What to Keep in Your Wallet – Website is PureWow. The article is by Rachel Bowie. Keep your drivers license, medical insurance card, and an emergency contact in your card. If you have a pet home alone make sure that you have a card detailing this. Free printable one here [x]

Traveling

Packing List – Website is Smarter Travel.

Traveling with Little to No Money – Website is Nomadic Matt.

How to Pack a Suitcase – Website is Real Simple. The article is by Thersa O’Rourke.

How to Apply for a Passport – Website is WikkiHow.

Making a Travel Budget – Website is Travel Made Simple. “How to Make a Travel Budget” by Ali Garland

#how to grow up #list #housing #living on your own #insurance #traveling #may update more and refine over time

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bitchesgetriches · 1 year ago

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{ 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!

If you want to start small with your savings, consider signing up for an Acorns account! They round up your every purchase to the nearest dollar and save and invest the change for you. We like them so much we’ve generously allowed them to sponsor us with this affiliate link:

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#frugal #saving money #personal finance #money tips #financial tips #financial literacy #financial freedom #money #debt #money management #how to save money

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jaebeomsbitch · 2 years ago

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Cherry Lips (E.M)

Pt II: in progress

Summary: Your childhood best friend steps up when your baby daddy skips town. Eddie had been with you through all stages of life, what's helping you through motherhood? Or Eddie Munson sucks out a clogged milk duct when you're in pain and eventually you finally sleep together

Pairing: Bestfriend! Eddie x Single Mom! Reader

Warnings: MINORS DNI, Titty sucking

A/N: Inspired by a reddit thread that I currently cannot find. Will update with link when I do. Smut next chapter!

You were knocked up by some stranger, a piece of shit who ran away as soon as you told him your one night stand ended in this, in the sweet baby girl. Luckily for you, your best friend Eddie was there every step of the way. He held you while you cried holding the pee stick, fuck he drove you to get it. He took you to every appointment, you eventually got tired of correcting the nurses that he wasn’t the father.

You’d known Eddie for a long time. You were stuck at the hip since fifth grade, you can’t really pinpoint the day you became friends it just kind of happened. Your parents suspected he was your boyfriend, he was met with raised eyebrows when you first introduced him to your parents. After months of seeing you interact they grew maybe less suspicious or more like there was some unrequited love there. He looked at you like you were the sun in the sky and the waves in the ocean. You’d never really noticed or maybe you ignored it and Eddie was always too much of a coward to bring it up. Eventually the time passed where it became too awkward for him to say something…Say it, say anything really. You were friends for too long for him to finally come out with it so, he repressed those feelings.

He slept around but never had a real girlfriend. Not that he didn’t want it, who doesn't want to have a partner? Who doesn't want to be beloved? His heart ached every time he saw you. Anytime he tried to date they didn’t want you around. They were always suspicious of you, of the way you touched him, the way you laughed around him but most importantly the way he looked at you.

He held your hand as you gave birth to her, he yelled at your grip like the drama queen he is. His bangs stuck to his forehead with sweat, his mouth nervously spilling out words. What words? Mostly gibberish with a bit of praise about how well you were doing. You couldn’t really internalize whatever the fuck was going on. You just wanted the pain to end, whoever said childbirth was a miracle… it was a miracle anyone fucking did it. But this was your cross to bear, you wanted nothing more to be a mother even if it meant this. If it meant you needed stitches to hold you together, even if you felt bloated, and you didn't sleep most nights.

Eddie was a godsend, he didn’t need to step up. He was your best friend not the father, the father was somewhere in florida fucking anything with a hole, probably fucking up some other girls life. But Eddie was here, he practically moved in when you found out you were pregnant. He started working overtime and put a downpayment on a house. Eddie… your Eddie the guy who promised to leave Hawkins and never return to this shitty town took on a thirty year mortgage. He refused your money when you wanted to pay rent, said he needed to move out of Wayne’s a long time ago. He didn’t know you were secretly putting money into the principal loan every month as rent.

He was there and you didn’t know how to feel about it. You loved him for as long as you could remember. A deep rooted seed of love in your heart was planted there since the first day you met him. Since that awkward, too loud, lanky boy bumped into you in the hallway. Your heart ached, it was agonizing. Maybe if you were a different person, if you weren’t so afraid of commitment things would be different. Maybe if you weren’t a coward this would be his baby. A part of you knew though, knew that he saw your beautiful baby as his. You saw it in the way he held her after she was born, the way his dimples adorned his face as he cooed at her, and the way he loaded her in the car checking the seatbelt eight times to make sure she was secure.

He’d wake up in the middle of the night and change her when you were too tired. He’d come home tired and hold her to give you a break. You can still remember the day you built the nursery. He went with you to the supply store to help pick out the paint, his hand on your back as you argued about which color to paint the walls. The guy working the paint station looked at you both with a bored expression. It all felt too domestic, it felt normal. You couldn’t pinpoint why but you could pinpoint that dull throb in your heart when he mockingly told you wanted to paint the walls with piss because you wanted yellow. Eventually you both decided on white, Eddie got his way. He’d read in a manual that white was productive for babies… How? You didn’t fucking know but you couldn’t argue with him when he looked at you with those big chocolate eyes and pulled you around the store gently, his hand never leaving the small of your back.

Every night a piece of you feels broken… more like something is missing. Like there’s a tug in your heart and it leads eight feet to the wall on your right. To those ugly gray sheets and black comforter. You pad around the kitchen as she sleeps. You try and make yourself some quick dinner before she wakes up for her meal. There’s a throb in your breast, they feel tender and swollen, something that isn’t unusual but something feels wrong. They ache and feel tight, just as you turn off the stove and grasp the counter Eddie walks in.

“Honey I’m home~~” He sing songs quietly.

“Eds” You whisper harshly trying not to crumple into a heap as you grip your tender breast. You can hear the thuds of his work boots stomping towards you.

“What’s wrong?” He says in a panicked voice watching your head hung down in pain.

“I- I don’t know. It hurts” You say, trying not to cry. You couldn’t freak out right now.

“Where, where does it hurt sweetheart?” He whispers, eyes wide and full of anxiety. His hands reach for you, touching you all over trying to find the source as you gasp for air. The sharp pains in your breast only getting worse.

“My breast hurt s’bad” You silently cry, your knuckles turning white as you grip the counter harder.

“Woah,” He says, holding you as you sway, the pain becoming increasingly unbearable like a water balloon about to pop.

“We have to go to the hospital, somethings not right Eds” You say looking up at him, your nails digging into his forearm.

“Your breast hurts? I- I read something in the manual about this” He says hurriedly, watching as you tremble.

“I think I can make it better. I think you've got a clogged milk duct. Fuck sweetheart, okay. I- I have to suck on your nipple,” He says, holding you closer to him bearing your weight.

“W-what?” You ask, maybe you just hallucinated that.

“Yes, women have their husbands suck the blockage out all the time. Trust me, It’ll make you feel better and if it doesn't work we’re rushing towards the hospital” He almost pleads as he watches your face scrunch up with pain.

“Okay, j-just do it” You say, the pain increases more and more. You let of your breast as he lifts you onto the counter, one of his hands on your waist and the other quickly bringing your shirt down. He was used to seeing your breasts because you liked to breast feed but this was different. You can’t even think about it because his lips are engulfing your nipple and he's sucking hard. Your hand comes up to tangle in his hair, holding him in place. The pain hurts so bad, it feels like it's shooting into your skin but also like it could pop like an overinflated balloon. Groans leave your mouth, your fingers pulling at his scalp as he continues to suck on your nipple. Small tears leave the corner of your eyes squeezed shut.

Finally a floodgate opens and the pain starts to slowly subside. The feeling of his lips around your breast becomes a little more apparent, you blink your eyes open as he pops off your breast.

“Did it work?” He asks, his lips covered in saliva as some of your breast milk dribbles out.

“Thank you,” You say, voice cracking as you feel the pain fading away. Your hands not leaving his hair. You become acutely aware of the way his thumb is comfortingly brushing your waist.

“It’s okay, you’re alright now,” He says softly, wiping the tears away. He looks down for a second before covering you back up. You stay there for a second, his hips slotted in between your legs, your fingers in his hair, and his thumb dragging across your waist. Eventually you let go of his hair, maybe you realized the position you’re in. Eddie clears his throat, stepping back from you, “You okay? We can still go to the hospital and get you checked out” He says, those big puppy eyes looking at you with concern.

“I’m okay now, thank you for… uhm doing that” You say, your cheeks painted with a blush as you feel your blood run up towards your cheeks.

“No problem. Just let me know if you feel it again and I’ll help, okay? Don’t feel embarrassed” He gives you a small smile. Without you asking he helps you off the counter, his strong hands holding your hips as he places you down on the floor. He says something about needing a shower as he leaves to his room, stopping by to check up on the baby.

You stay frozen, your knees weak at your interaction. Eddie was so effortlessly sweet, he’d spent months reading every baby manual he could find in the library. Anytime he was out of town he’d pick up a new one trying to find every tip and trick to help you. Your heart pounds in your chest as you try to return to make dinner. Your thoughts full of Eddie, of the grip he had on you. How would his calloused fingers feel on your skin? How would his tongue feel against your sensitive nipples when you weren’t in pain? Fuck, no don’t imagine your best friend like this. He wasn’t your anything, he was just helping.

You have dinner with Eddie, he tells you about all the new work gossip like nothing ever happened thirty minutes ago. Not that anything did happen, it wasn’t like he fucked you on that counter. No matter how many times you’ve imagined it before, especially the night he brought you here the first time… You were getting sidetracked again. You can’t help but notice the crinkles in his eyes as he laughs about something that happened at the shop or the way his hands move wildly as he tries to speak quietly. That is until there's a cry in the nursery, without taking a second glance at you he paces towards the room scooping up your daughter. You walk into the room watching as he rocks her “Shhh shhh, I’m right here honey. It’s okay” He soothes.

“I think the little munchkin is hungry,” he coos in a baby voice turning towards you. You walk closer to them and grab her, she’s already suckling on the fabric of your shirt before you can pull it down.

“Wow, we got an eager girl” Eddie laughs. We. You chuckle pulling down your shirt and adjusting her so she can latch on. Eddie looks away, “Need company?” He asks as you sit down on your nursing chair, he hands you a pillow to rest your arms on.

“No it’s okay you’re probably tired. Get some rest” You say looking up at him.

“But I haven’t seen my little pumpkin all day,” he pouts, fingers wiggling towards her.

“Eds really, you don’t have to. You had a long day at work,” You say feeling guilty for relying on him so much. He waves his hand pulling up a seat and sitting down.

“I want to hang out,” He says, yawning. You can see how tired he is, the way he’s already started trying to blink the sleep away but Eddie is stubborn. He sits there watching you both for a second but his eyelids get heavier and heavier until he falls asleep in the chair. You try to nudge him awake but he doesn’t wake. It isn’t until she’s finished eating and you've burped her that you are able to stand and wake him up. Your hand gentle on his shoulder as you shake him.

“Eds, Eddie, time for bed,” You say softly. He groans, slowly cracking his eyes open, you caress his face, “Time for bed.” He nods his head, standing up at a snail's pace. He puts a kiss on her forehead and then yours before he stumbles into his room and crashes onto his bed. You stand there stunned, Eddie was affectionate sure but he’d never kissed your forehead. He was sleep deprived, that’s all that it was. Guilt gnaws at you, knowing he’s so tired because of you. Because his heart is too big and he’ll do everything in his power to help you even when he doesn’t have to.

You spend some time getting her to settle down and fall asleep again before you leave the room. Your hand hesitates over the phone. It was late, like really late but you needed to tell someone how you felt. God, maybe you needed a therapist. Your fingers work over the buttons, you press the receiver to your ear as it rings, it doesn't click until almost the last ring.

“Hello?” A sleepy voice says.

“Robin, fuck sorry for calling so late,” You whisper.

“No, it’s alright. I haven’t heard from you in a week. I was starting to get worried, "she says.

“Rob… something fucking weird happened today,” You say, your heart pounding in your chest as you keep glancing over to his bedroom.

“Oh my god is she okay? Do you want me to drive over there? I’m getting my bag,” She says frantically.

“Robin, she’s completely healthy. Calm down,” You say in a hushed tone.

“Oh thank God,” She breathes out. “What happened?” she asks curious as to why you’re calling her almost near midnight. You always called on her during the day.

“Today… I guess I had a clogged milk duct and I didn’t know but that shit hurt like a mother fucker a-and…God this is so embarrassing,” You groan as silently as you can, not that Eddie could hear, he’s a very heavy sleeper except when it came to your baby’s cries.

“Oh my god, this sounds juicy. Spill it out, bitch,” She says.

“Eddie sucked on it until it got unclogged” You whispered hurriedly.

“WHAT,” Robin yells over the receiver.

“Shh- shut the fuck up you’re gonna blow my ear drum out,” You say biting your nail. Your eyes keep flicking towards his bedroom like you're doing something you’re not supposed to.

“Holy shit give me the play by play… Actually–. God I just know this is one of your depraved fantasies,” She laughs loudly.

“Hardy har, I should give you a comedian of the year award. But… He literally pulled me onto the counter, whipped it out and started sucking like it was a normal thing to do. I was in so much pain I didn’t have time to freak out but I’m kind of freaking the fuck out,” You whisper.

“I do deserve an award. So you’re telling me he manhandled you and helped you… Girl that sounds like your wet dream. Weren't you always talking about–” Robin says.

“Shut the fuck up, this is serious! He acted normal when we had dinner but like… I mean he sucked my titty. Is that not supposed to be weird? Like it’s weird right?” You start pacing the kitchen.

“Or are you making it weird? I think you’re overthinking it. Unless there's something else isn’t there? You like him, I mean everyone in fucking Hawkins thinks he’s your baby daddy anyway. What happened… Oh my god did you like it you dirty dog?” She gasps.

“Yes, fine okay I sort of liked it and there was this moment,” You hush hurriedly.

“A moment?” Robin is intrigued

“He didn't move after he helped. He was rubbing my hip until he knew I was okay, he asked me like forty times, and then he pulled me off the counter. Fuck and then he did the thing” You groan.

“The thing?”

“He fucking went after the baby as soon as she started crying like it was out of instinct. Fuck Rob… I’m in too deep,” You sigh.

“You wanna hear my opinion?” Robin says, you hum in response.

“He’s had a massive fucking crush on you since like forever ago. Everyone can see it, he looks at you like you're the next coming of Jesus Christ,” She says

“No he doesn’t,” You immediately deflect.

“Are you actually serious? He fucking bought a house for you. Eddie Munson, the guy who despises Hawkins, bought a house… for you. He comes home and takes care of your baby, he spends his days off with you two. When was the last time he’s even had a fling? Fucking two years ago? That man is in love with you, you’re just in denial and he’s just a coward,” She rips into you.

“But what if he isn’t Rob? What if I tell him and he- he doesn't feel the same? I couldn’t live here anymore, fuck I couldn’t even look at him. I- I don’t know I’m just so fucking scared of losing him….” You feel the tears in your eyes spring forward.

“Hey, hey no one is holding a gun to your head and forcing you to tell him but I’m glad you finally admitted it. I just want you to know that I’m a thousand percent sure he’s fucking more than head over heels for you. He’s like stupidly in love with you… You could have the dream life. The white picket fence, the husband, you know the whole shebang if you just told him.” She sighs.

“I don’t know Rob. I need him in my life, I can’t fuck this up. He’s like the sun and I’m just some shitty little weed that’ll wilt and die if he’s gone,” You say, trying to get rid of the tightness in your throat.

“Hey you are not a fucking weed. You are a fucking Magnolia, this huge tree full of love and life. Don’t sell yourself short or I will drive the ten hours there and personally kick your ass,” She scolds.

“How does one impersonally kick someone's ass?” You laugh. Robin always knew how to make you feel better.

“Don’t change the subject. Now you have to confess your sins. Since when did you start liking him?” She asks like you’re still in high school.

“Ugh you’re annoying. Uhh… I don’t know I think I always did but it became like a thing in sixth grade. We were at this stupid party, I don’t know why my parents let me go. It was just like a bunch of tweens jacked up on soda playing spin the bottle and seven minutes in heaven and I had to kiss some random guy. I kept wishing, praying, hoping it landed on him and it kind of clicked. God and he was so fucking weird looking back then too. Like his arms were too long for his torso,” You laugh.

“Oh? You’ve been holding out. Now I gotta see some photos of you two back then,” Robin laughs imagining how Eddie looked back then.

“I was worse, I was going through a weird bangs combed over phase and I had these big chunky glasses. Ugh I don’t even want to think about it,” You groan. Then there's a cry in the nursery, “Shit I gotta go. I’ll talk to you tom- today and you can catch me up on your date. Alright byeeee,” You rush. You hear a faint “Bye” as you put the phone on the hook and walk back towards the nursery.

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mostlysignssomeportents · 1 year ago

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Intuit: “Our fraud fights racism”

Tonight (September 27), I'll be at Chevalier's Books in Los Angeles with Brian Merchant for a joint launch for my new book The Internet Con and his new book, Blood in the Machine. On October 2, I'll be in Boise to host an event with VE Schwab.

Today's key concept is "predatory inclusion": "a process wherein lenders and financial actors offer needed services to Black households but on exploitative terms that limit or eliminate their long-term benefits":

https://journals.sagepub.com/doi/10.1177/2329496516686620

Perhaps you recall predatory inclusion from the Great Financial Crisis, when predatory subprime mortgages with deceptive teaser rates were foisted on Black homeowners (who were eligible for better mortgages), resulting in a wave of Black home theft in the foreclosure crisis:

https://prospect.org/justice/staggering-loss-black-wealth-due-subprime-scandal-continues-unabated/

Before these loans blew up, they were styled as a means of creating Black intergenerational wealth through housing speculation. They turned out to be a way to suck up Black families' savings before rendering them homeless and forcing them into houses owned by the Wall Street slumlords who bought all the housing stock the Great Financial Crisis put on the market:

https://pluralistic.net/2022/02/08/wall-street-landlords/#the-new-slumlords

That was just an update on an old con: the "home sale contract," invented by loan-sharks who capitalized on redlining to rip off Black families. Back when banks and the US government colluded to deny mortgages to Black households, sleazy lenders created the "contract loan," which worked like a mortgage, but if you were late on a single payment, the lender could seize and sell your home and not pay you a dime – even if the house was 99% paid for:

https://socialequity.duke.edu/wp-content/uploads/2019/10/Plunder-of-Black-Wealth-in-Chicago.pdf

Usurers and con-artists love to style themselves as anti-racists, seeking to "close the racial wealth gap." The payday lending industry – whose triple-digit interest rates trap poor people in revolving debt that they can never pay off – styles itself as a force for racial justice:

https://pluralistic.net/2022/01/29/planned-obsolescence/#academic-fraud

Payday lenders prey on poor people, and in America, "poor" is often a euphemism for "Black." Payday lenders disproportionately harm Black families:

https://ung.edu/student-money-management-center/money-minute/racial-wealth-gap-payday-loans.php

Payday lenders are just unlicensed banks, who deploy a layer of bullshit to claim that they don't have to play by the rules that bind the rest of the finance sector. This scam is so juicy that it spawned the fintech industry, in which a bunch of unregulated banks sprung up to claim that they were too "innovative" to be regulated:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

When you hear "Fintech," think "unlicensed bank." Fintech turned predatory inclusion into a booming business, recruiting Black spokespeople to claim that being the sucker at the table in the cryptocurrency casino was actually a form of racial justice:

https://www.nytimes.com/2021/07/07/business/media/cryptocurrency-seeks-the-spotlight-with-spike-lees-help.html

But not all predatory inclusion is financial. Take Facebook Basics, Meta's "poor internet for poor people" program. Facebook partnered with telcos in the Global South to rig their internet access. These "zero rating" programs charged subscribers by the byte to reach any service except Facebook and its partners. Facebook claimed that this would "bridge the digital divide," by corralling "the next billion internet users" into using its services.

The fact that this would make "Facebook" synonymous with "the internet" was just an accidental, regrettable side-effect. Naturally, this was bullshit from top to bottom, and the countries where zero-rating was permitted ended up having more expensive wireless broadband than the countries that banned it:

https://www.eff.org/deeplinks/2019/02/countries-zero-rating-have-more-expensive-wireless-broadband-countries-without-it

The predatory inclusion gambit is insultingly transparent, but that doesn't stop desperate scammers from trying it. The latest chancer is Intuit, who claim that the end of its decade-long, wildly profitable "free tax prep" scam is bad for Black people:

https://www.propublica.org/article/turbotax-intuit-black-taxpayers-irs-free-file-marketing

Some background. In nearly every rich country on Earth, the tax authorities send every taxpayer a pre-filled tax return, based on the information submitted by employers, banks, financial planners, etc. If that looks good to you, you just sign it and send it back. Otherwise, you can amend it, or just toss it in the trash and pay a tax-prep specialist to produce your own return.

But in America, taxpayers spend billions every year to send forms to the IRS that tell it things it already knows. To make this ripoff seem fair, the hyper-concentrated tax-prep industry, led by the Intuit, creators of Turbotax, pretended to create a program to provide free tax-prep to working people.

This program was called Free File, and it was a scam. The tax-prep cartel each took a different segment of Americans who were eligible for Freefile and then created an online house of mirrors that would trick those people into spending hours working on their tax-returns until they were hit with an error message falsely claiming they were ineligible for the free service and demanding hundreds of dollars to file their returns.

Intuit were world champions at this scam. They blocked their Freefile offering from search-engine crawlers and then bought ads that showed up when searchers typed "freefile" into the query box that led them to deceptively named programs that had "free" in their names but cost a fortune to use – more than you'd pay for a local CPA to file on your behalf.

The Attorneys General of nearly every US state and territory eventually sued Intuit over this, settling for $141m:

https://www.agturbotaxsettlement.com/Home/portalid/0

The FTC is still suing them over it:

https://www.ftc.gov/legal-library/browse/cases-proceedings/192-3119-intuit-inc-matter-turbotax

We have to rely on state AGs and the FTC to bring Intuit to justice because every Intuit user clicks through an agreement in which we permanently surrender our right to sue the company, no matter how many laws it breaks. For corporate criminals, binding arbitration waivers are the gift that keeps on giving:

https://pluralistic.net/2022/02/24/uber-for-arbitration/#nibbled-to-death-by-ducks

Even as the scam was running out, Intuit spent millions lobby-blitzing Congress, desperate for action that would let it continue to privately tax the nation for filling in forms that – once again – told the IRS things it already knew. They really love the idea of paying taxes on paying your taxes:

https://pluralistic.net/2023/02/20/turbotaxed/#counter-intuit

But they failed. The IRS has taken Freefile in-house, will send you a pre-completed tax return if you want it. This should be the end of the line for Intuit and other tax-prep profiteers:

https://pluralistic.net/2023/05/17/free-as-in-freefile/#tell-me-something-i-dont-know

Now we're at the end of the line for the scam, Intuit is playing the predatory inclusion card. They're conning Black newspapers like the Chicago Defender into running headlines like "IRS Free Tax Service Could Further Harm Blacks,"

https://defendernetwork.com/news/opinion/irs-free-tax-service-could-further-harm-blacks/

The only named source in that article? Intuit spokesperson Derrick Plummer. The article went out on the country's Black newswire Trice Edney, whose editor-in-chief did not respond to Propublica's Paul Kiel's questions.

Then Black Enterprise got in on the game, publishing "Critics Claim The IRS Free Tax Prep Service Could Hurt Black Americans." Once again, the only named source for the article was Plummer, who was "quoted at length." Black Enterprise declined to tell Kiel where that article came from:

https://www.blackenterprise.com/critics-claim-the-irs-free-tax-prep-service-could-hurt-black-americans/

For Intuit, placing op-eds is a tried-and-true tactic for laundering its ripoffs into respectability. Leaked internal Intuit memos detail the company's strategy of "pushing back through op-eds" to neutralize critics:

https://www.documentcloud.org/documents/6483061-Intuit-TurboTax-2014-15-Encroachment-Strategy.html

Intuit spox Derrick Plummer did respond to Kiel's queries, denying that Intuit was paying for these op-eds, saying "with an idea as bad as the Direct File scheme we don’t have to pay anyone to talk about how terrible it is."

Meanwhile, ex-NAACP director (and No Labels co-chair) Benjamin Chavis has used his position atop the National Newspaper Publishers Association to publish op-eds against the IRS Direct File program, citing the Progressive Policy Institute, a pro-business thinktank that Intuit's internal documents describe as part of its "coalition":

https://www.documentcloud.org/documents/6483061-Intuit-TurboTax-2014-15-Encroachment-Strategy.html

Chavis's Chicago Tribune editorial claimed that Direct File could cause Black filers to miss out on tax-credits they are entitled to. This is a particularly ironic claim given Intuit's prominent role in sabotaging the Child Tax Credit, a program that lifted more Americans out of poverty than any other in history:

https://pluralistic.net/2021/06/29/three-times-is-enemy-action/#ctc

It's also an argument that can be found in Intuit's own anti-Direct File blog posts:

https://www.intuit.com/blog/innovative-thinking/taxpayer-empowerment/intuit-reinforces-its-commitment-to-fighting-for-taxpayers-rights/

The claim is that because the IRS disproportionately audits Black filers (this is true), they will screw them over in other ways. But Evelyn Smith, co-author of the study that documented the bias in auditing says this is bullshit:

https://siepr.stanford.edu/publications/working-paper/measuring-and-mitigating-racial-disparities-tax-audits

That's because these audits of Black households are triggered by the IRS's focus on Earned Income Tax Credits, a needlessly complicated program available to low-income (and hence disproportionately Black) workers. The paperwork burden that the IRS heaps on EITC recipients means that their returns contain errors that trigger audits.

As Smith told Propublica, "With free, assisted filing, we might expect EITC claimants to make fewer mistakes and face less intense audit scrutiny, which could help reduce disparities in audit rates between Black and non-Black taxpayers."

Meanwhile, the predatory inclusion talking points continue to proliferate. Nevada accountants and the state's former controller somehow coincidentally managed to publish op-eds with nearly identical wording. Phillip Austin, vice-chair of Arizon's East Valley Hispanic Chamber of Commerce, claims that free IRS tax prep "would disproportionately hurt the Hispanic community." Austin declined to tell Propublica how he came to that conclusion.

Right-wing think-tanks are pumping out a torrent of anti-Direct File disinfo. This surely has nothing to do with the fact that, for example, Center Forward has HR Block's chief lobbyist on its board:

https://thehill.com/opinion/finance/4125481-direct-e-file-wont-make-filing-taxes-any-easier-but-it-could-make-things-worse/

The whole thing reeks of bullshit and desperation. That doesn't mean that it won't succeed in killing Direct File. If there's one thing America loves, it's letting businesses charge us a tax just for dealing with our own government, from paying our taxes to camping in our national parks:

https://pluralistic.net/2022/11/30/military-industrial-park-service/#booz-allen

Interestingly, there's a MAGA version of predatory inclusion, in which corporations convince low-information right-wingers that efforts to protect them from ripoffs are "woke." These campaigns are, incredibly, even stupider than the predatory inclusion tale.

For example, there's a well-coordianted campaign to block the junk fees that the credit card cartel extracts from merchants, who then pass those charges onto us. This campaign claims that killing junk fees is woke:

https://pluralistic.net/2023/08/04/owning-the-libs/#swiper-no-swiping

How does that work? Here's the logic: Target sells Pride merch. That makes them woke. Target processes a lot of credit-card transactions, so anything that reduces card-processing fees will help Target. Therefore, paying junk fees is a way to own the libs.

No, seriously.

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/2023/09/27/predatory-inclusion/#equal-opportunity-scammers

#pluralistic

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marzipanandminutiae · 2 months ago

Note

there was no reason for thomas to go back and burn the papers, right? as long as edith was alive, she could’ve disputed the transfer or whatever, right? ‘burning the papers’ was just an excuse to go back and make a last ditch effort to save his sister, right?

Nah, I do think in the moment he was only thinking about getting the papers back. He didn't know Lucille was still in there until she spoke, after all.

Whether Edith could have disputed the transfer successfully when it was presumably putting the funds in her husband's control- Lucille not being able to have her own bank account, any more than Edith could; still not sure how that worked for Edith inheriting the money because I can't find legal specifics about that from 1901 though I know women COULD have their own fortunes and such -I'm not sure of. The coercion/poisoning could help her case, if she could prove it, but if she was healthy again/had no proof the judge probably would be on Thomas' side.

Also I doubt he'd have thought about that before doing whatever seemed helpful in the moment. Papers say Edith loses her money? BURN PAPERS.

However. I think bringing Lucille with them was his plan from the start. I don't think he ever wanted to leave her- I think he'd seen a way out of the pit they spent their lives trying to claw free from, and he loved her so much that he had to bring her with him. To be happy. To be free.

He just. Wasn't good at articulating that and also they are both Doomed By The NarrativeTM.

UPDATE: never mind; "women couldn't have their own bank accounts" is a myth! there were banks in the 19th and early 20th centuries that offered accounts for women and even banks specifically CATERING to women. geez that one was really believable. it comes down to a misunderstanding of joint bank accounts and how that worked upon marriage. also the fact that banks were allowed to refuse women loans and mortgages without a male cosigner, but that doesn't mean all of them DID. so I rescind that question

(but she is probably still putting money into an account owned by Thomas, because he'd have inherited all the money from the Sharpes' parents- what little there was -and his wives signing money over to him was natural and expected back then. so Lucille probably still doesn't have her own account anywhere)

#crimson peak #ask #anon

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theangryfeministwriter · 4 months ago

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All of Trump’s Failed Business Ventures

Donald Trump has declared bankruptcy 6 separate times

Trump Taj Mahal (1991)

Trump Plaza (1992)

Trump Castle (1992)

Trump Hotels and Casino Resorts (2004)

Trump Entertainment Resorts (new name given to Trump Hotels and Casino Resorts) (2009)

Other Failed Business Ventures

Trump Shuttle Inc (started in 1998, defaulted on its loans in 1990, ceased to exist by 1992)

Trump University (started in 2005, ceased to exist after lawsuits and investigations in 2011)

Trump Vodka (started in 2005, discontinued in 2011)

Trump Mortgage LLC (started in 2006, ceased operations in 2007)

GoTrump.Com (started in 2006, ceased operations in 2007)

Trump Steaks (started in 2007, ended sales two months later)

Trump Airlines (failed after two years, defaulted on its loans in 1992)

Trump Ice Natural Spring Water (discontinued in 2010)

Trump Game (released in 1989, sold only 800,000 out of an expected 2 million)

Trump Magazines (discontinued after several different iterations from 1997-2009)

Trump Fragrances (all discontinued)

If you’re voting for him because he’s a “successful businessman” what did he actually succeed at?

updated to include more of Trump’s failures

#trump #president #president trump #donald trump #election 2024 #kamala harris #vote kamala #kamala 2024 #kamala for president #vote blue #fuck the patriarchy #harris

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copperbadge · 1 year ago

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Radio Free Monday

Good morning everyone, and welcome to Radio Free Monday!

Ways to Give:

cluegirl linked to a fundraiser for deliriumcrow, who lost nearly everything in a house fire two years ago, and was then robbed by the contractor hired to repair the house. They are currently paying a mortgage on a home that is facing condemnation if they can't raise the money for a new contractor; you can read more and reblog here or support the fundraiser here.

savrenim is the sole breadwinner for their disabled partner and two friends living with them; they have had to deal with several financial setbacks including loss of owed back pay, moving and home repair costs, and vet bills; they are fundraising to cover moving costs and to be prepared for when payments come due on a loan they had to take to cover expenses. You can read more and reblog here or give via ko-fi here.

Nik is raising funds for a cross-country move from Oregon to West Virginia, in hopes they can find a home to thrive in after escaping an abusive upbringing; you can read more and support the fundraiser here.

Recurring Needs:

Anon linked to a fundraiser for a friend whose family has not had a working furnace since November; they've been using space heaters to keep warm but January in Chicago has been brutal and the space heaters aren't sufficient. With vulnerable family members including elderly relatives and children in the home, they need to raise $6K to get the furnace replaced. You can read more and support the fundraiser here.

Anon linked to karla-hoshi or Hoshi on TikTok, who is raising funds for cancer treatment for her cat Naku; they caught the cancer early and hope that he can survive it, but can't continue treatment without funding. You can read more and support the fundraiser here, as well as find links to her updates on tiktok.

chingaderita's partner's family house recently caught fire and completely burned, killing his grandmother and causing extensive property loss; he has also recently lost his job due to the fire, and a number of family members have since become ill. They're raising funds to keep food on the table, to try and get a supply of water to keep clean and do laundry, and for various bills until a job opportunity in March comes available. You can read more, reblog, and support the fundraiser here.

And this has been Radio Free Monday! Thank you for your time. You can post items for my attention at the Radio Free Monday submissions form. If you're new to fundraising, you may want to check out my guide to fundraising here.

#radio free monday #charity #philanthropy #fannish community

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dubairealestate24 · 8 months ago

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How to Find the Best Deals When Buying Villas in Dubai

Securing the best deals on villas in Dubai requires a combination of market knowledge, strategic planning, and effective negotiation. Here’s how you can find the best deals when buying villas in this vibrant city.

1. Conduct Thorough Market Research

Understanding the market dynamics is crucial for finding the best deals.

Current Market Trends: Stay updated with the latest market trends and property prices in different areas of Dubai. This will help you identify the right time to buy.

Historical Data: Analyze historical data on property prices to understand the market’s performance over the years. This can give you insights into potential future trends.

For comprehensive market insights, visit Dubai Real Estate.

2. Choose the Right Time to Buy

Timing your purchase can significantly impact the deal you get.

Buyer’s Market: Look for periods when there is a surplus of properties on the market. This can drive prices down and provide better negotiation opportunities.

Seasonal Trends: Consider buying during off-peak seasons when the demand is lower. Sellers may be more willing to negotiate during these times.

Explore more options at Off-Plan Projects in UAE.

3. Work with Experienced Real Estate Agents

A knowledgeable real estate agent can be invaluable in finding the best deals.

Reputable Agents: Choose agents with a strong track record and good knowledge of the Dubai villa market. They can provide valuable insights and help you navigate the buying process.

Negotiation Skills: An experienced agent can negotiate better deals on your behalf and help you understand the intricacies of the market.

For expert advice, check out Mortgage Broker Dubai.

4. Consider Off-Plan and Under-Construction Properties

Off-plan and under-construction properties can offer attractive pricing and payment plans.

Early Bird Discounts: Developers often offer discounts for early buyers. These discounts can be substantial and provide good value for money.

Flexible Payment Plans: Off-plan properties typically come with flexible payment plans, making it easier to manage your finances.

Learn more about off-plan properties at Under-Construction Properties in Dubai.

5. Negotiate Effectively

Effective negotiation can help you secure a better deal.

Be Prepared: Do your homework and know the market value of the property. This will give you a strong negotiating position.

Stay Flexible: Be open to compromises and alternative solutions. Sometimes, a small concession can lead to a significant overall saving.

For more negotiation tips, visit Best Mortgage Services.

6. Utilize Online Property Portals

Online property portals can be a great resource for finding deals.

Comprehensive Listings: Use reputable online portals that offer comprehensive listings of properties. This can help you compare prices and features.

Direct Deals: Some portals facilitate direct deals between buyers and sellers, potentially eliminating agent fees and providing better deals.

For more property listings, check out Property For Sale in Dubai.

7. Attend Property Exhibitions and Events

Property exhibitions and events can provide opportunities to find exclusive deals.

Developer Discounts: Many developers offer special discounts and promotions at these events.

Networking Opportunities: These events provide an opportunity to network with developers, agents, and other buyers, which can lead to valuable insights and deals.

Explore more at Rent Your Property in Dubai.

Conclusion

Finding the best deals when buying villas in Dubai involves a combination of thorough research, strategic planning, and effective negotiation. By staying informed about market trends, choosing the right time to buy, working with experienced agents, and considering off-plan properties, you can secure the best deals and make a smart investment in Dubai’s vibrant real estate market.

For more information and assistance with buying villas in Dubai, visit Home Loan UAE.

#dubairealestate

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merv606 · 7 months ago

Note

I’m still all for them getting what they both want in the end.

Terry letting Daniel go when it becomes apparent his boy is not happy and is simply breaking down. He’ll never truly have his boy, not like this.

So he tells Daniel he loves him, pleads with him not to hate him or be angry with him, sends a video to Amanda not to blame Daniel - he orchestrated everything, and lets him go. He promises Daniel everything will be okay.

Daniel and Amanda do not get back together but he’s able to rebuild his relationship with her, his children, friends, and begins the long road to recovery. He’s angry at first because Moldova has no extradition treaty. Terry always escapes accountability.

Then the letters begin.

In the first, Terry hands complete ownership of Cobra Kai over to Daniel. He can end it for good now. And a promise that Daniel has nothing to fear from now on. Included is a cell phone, stating should he need anything, he only needs to ask.

The letter sends him into a rage, but he doesn’t break the cell phone. Perhaps there is still a way to get Terry arrested and brought to Justice.

The rest are simple contact — updates on Terry’s life, heartbreaking stories about his past, his parents, occasional gifts… wishes he was there. Every letter ends with a reminder that should he need anything, he only needs to ask.

One letter in particular is Terry writing how he wishes he made different choices. Especially with Daniel. But he still has hope he can still make the right choices. And it started with letting Daniel go. And a promise that he will make the right choices from now on.

In between these letters are hints of Terry’s involvement. Johnny and Carmen’s medical bills for the baby being anonymously paid for. Then being approved for a loan to a house — the mortgage mysteriously paid for after the contract is signed.

Miguel and Robby being given anonymous college scholarships.

Tory’s mother’s medical expenses are paid, along with a sizeable checking account placed in Tory’s name that she can access when she is 18. She is given custody of her brother, and offered a lucrative position as a sales rep for a medical device company that helps people like her mother.

Kenny’s brother is given conditional release, but he’s home and they can start to rebuild their lives.

Daniel begans to heal once he sees his family and his community heal. He looks around and everyone is happy and healthy.

Everyone but one person.

He picks up the cell phone and dials.

Maybe in another version.

#i got an ask 🤩#ask #cobra kai #daniel larusso #karate kid #terry silver #silverusso #silverrusso #mercy is a sharp knife

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legal-guide123 · 5 months ago

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Steps to Legally Transfer Property to a Wife After Husband’s Demise: A Complete Guide

Losing a loved one is always difficult, and dealing with legal formalities in the aftermath can be overwhelming. One of the key concerns for a surviving spouse is the transfer of property after the husband's demise. In this comprehensive guide, we will explore the necessary steps to legally transfer property to a wife, preparations before property transfer, essential documents, and how to navigate the legal process.

Also Read: Wife's Property Rights After Husband's Death

Preparations Before Property Transfer

Before initiating the process of transferring property after a husband's demise, certain preparations are necessary to ensure the process goes smoothly. Proper preparation can prevent delays and avoid disputes among legal heirs.

Gather All Relevant Documents

Start by collecting all the relevant documents that will be needed during the transfer process. These include:

The husband’s death certificate.

The original property documents (sale deed, title deed, etc.).

Identification proofs of the wife and other legal heirs.

Marriage certificate to prove the wife’s relationship with the deceased.

Any existing will, if applicable.

Review Debts and Liabilities

Check if the property is free from encumbrances or loans. If the property is mortgaged, you may need to settle the outstanding loan or arrange for the loan to be transferred in the wife’s name.

Understand the Type of Property

Determine whether the property is self-acquired or ancestral, as different laws may apply. Also, check if the property is jointly owned, as this can simplify the transfer process.

Essential Documents for Property Transfer

To ensure a smooth property transfer, you will need to submit a set of important documents to the authorities. Here is a list of essential documents required for transferring property to the wife:

Death Certificate: A copy of the husband's death certificate issued by the local municipal authority.

Legal Heir Certificate: If there is no will, this certificate identifies the legal heirs of the deceased.

Succession Certificate: Required for movable assets like bank accounts and shares.

Will (if available): If the husband left a will, submit a copy along with the probate order.

Marriage Certificate: To establish the wife’s legal relationship with the deceased.

Property Ownership Documents: The title deed or sale deed of the property.

Identification Proofs: Aadhaar card, PAN card, or voter ID of the wife and other legal heirs.

Tips for Organizing Your Estate Affairs

Proper estate planning can help reduce confusion and ensure the smooth transfer of assets. Here are a few tips:

Create a Will: A well-drafted will can simplify the property transfer process for surviving family members.

Update Legal Documents: Regularly update ownership records, nominee details, and any outstanding loans.

Discuss with Family: Make sure your loved ones are aware of your property and estate arrangements.

Seek Legal Advice: Consult with a lawyer to ensure that your estate planning is legally sound.

The Legal Process of Property Transfer

The legal process of property transfer depends on whether the deceased left behind a will or not. Let's explore both scenarios.

If the Husband Left a Will:

File for Probate: Probate is the legal process through which a will is authenticated by the court. This process involves submitting the will to the district or high court, depending on the value of the property.

Executor Transfers Property: Once the probate is granted, the executor named in the will transfers the property to the wife.

Mutation of Property: The wife needs to apply for the mutation of property in her name by submitting the probate order and relevant documents to the local municipal authority.

If There Is No Will (Intestate Succession):

Obtain Legal Heir Certificate: The wife will need to apply for a Legal Heir Certificate to establish her legal right to the property.

Apply for Succession Certificate (for Movable Property): In cases involving movable assets, the wife must obtain a Succession Certificate from the court.

Mutate the Property: Once the legal heir certificate is obtained, the wife can apply for the mutation of the property in her name.

How to Initiate the Process of Transfer

To initiate the process of transferring property after the husband’s demise, follow these steps:

Get the Death Certificate: Obtain the husband’s death certificate from the local municipal authority.

File for Probate (if there is a will): Submit the will to the court to get it authenticated through probate.

Apply for Legal Heir Certificate: If there is no will, submit an application to the local revenue or civil court to obtain the Legal Heir Certificate.

Submit Necessary Documents for Mutation: Provide all required documents to the land revenue office or municipal authority to mutate the property in the wife’s name.

Probate and Its Role in Property Transfer

Probate is the judicial process of validating a will in court. It is required to ensure that the will is legally binding and that the executor can proceed with the transfer of property. Probate is necessary in some states, such as Maharashtra and West Bengal, even if the will is undisputed. The process involves:

Filing the will in court.

Verifying the will's authenticity.

Granting the executor the right to distribute the deceased's assets.

Factors Affecting Property Transfer

Several factors can affect the smooth transfer of property:

Existence of a Will: The presence of a valid will simplifies the process.

Legal Disputes: Disputes between legal heirs can delay the transfer.

Outstanding Loans: If the property has a mortgage, the loan must be settled before the transfer.

Debts and Liabilities Impacting Transfer

Before transferring property, it’s crucial to settle any outstanding debts or liabilities on the property, such as:

Home Loans or Mortgages: The wife must either repay the loan or transfer it to her name.

Unpaid Taxes: Property taxes or other dues must be cleared before the property can be transferred.

Joint Ownership and Rights of Survivorship

If the property was jointly owned by the husband and wife, the process of transfer is simpler. In such cases:

The wife becomes the sole owner of the property automatically upon the husband’s death, thanks to the right of survivorship.

The only legal requirement is to mutate the property records to reflect the change in ownership.

Step-by-Step Guide to Transfer Property

Here is a quick step-by-step guide to transferring property:

Obtain the death certificate.

Gather all property and legal documents.

File for probate (if necessary).

Apply for Legal Heir or Succession Certificate (if no will exists).

Submit documents for mutation to transfer property ownership.

How to File the Deceased’s Will

To file the deceased's will, follow these steps:

Locate the Will: Ensure that you have the original copy of the will.

Submit to Court for Probate: File an application with the local court to initiate the probate process.

Provide Executor Information: Include details about the executor named in the will.

Navigating Inheritance Laws and Regulations

India has different inheritance laws based on religion. Understanding these laws is crucial to determining how property is distributed:

Hindu Succession Act, 1956: Governs Hindus, Buddhists, Jains, and Sikhs.

Muslim Personal Law (Shariat): Governs Muslims.

Indian Succession Act, 1925: Applies to Christians, Parsis, and Jews.

Tax Implications and Considerations

When property is transferred, tax implications must be considered:

Inheritance Tax: India does not have an inheritance tax, but stamp duty and capital gains tax may apply.

Capital Gains Tax: If the wife decides to sell the inherited property, she may be liable for capital gains tax on the appreciation of the property value.

Understanding Estate Taxes and Exemptions

While India does not levy an estate tax, inheriting property may still involve taxes such as stamp duty and registration fees during the transfer process. These taxes vary depending on the state and property value.

Tips for Minimizing Tax Burden on Inherited Property

To minimize the tax burden on inherited property:

Consider holding onto the property for a longer period to reduce capital gains tax.

Explore exemptions under the Income Tax Act, such as Section 54, for reinvestment in another property.

Common Challenges and Solutions

a) Disputes Among Heirs

Disagreements among legal heirs can delay the property transfer process. If disputes arise, the wife may need to file a partition suit or negotiate a settlement.

b) Missing Documents

If property documents are missing, apply for certified copies from the land registry office or municipal authority.

Dispute Resolution Among Heirs

If disputes arise among heirs, mediation or legal intervention may be required. Courts can intervene to ensure fair distribution under the applicable succession laws.

Avoiding Delays in Property Transfer

To avoid delays, ensure that all necessary documents are in order and that no outstanding debts or legal disputes exist. Engaging a lawyer early in the process can help smoothen the procedure.

Conclusion

Transferring property to a wife after a husband's demise can be a complex and emotional process, but by following the correct legal procedures and preparing the necessary documents, the process can be made smoother. Whether a will exists or not, understanding the legal framework, tax implications, and the steps involved will help ensure a seamless transfer of ownership, allowing the wife to secure her rightful inheritance with ease. If in doubt, consulting with a legal expert can provide additional clarity and assistance.

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