#Zero interest financing

[girderednerve]

we have been watching star wars skeleton crew (no one be mean to me) which is very bad (obviously), but sadly i cannot stop watching it because it has an old republic mint in it. a mint! where they made the money! i have been complaining for like a decade that the money in star wars makes no sense (a man might have his preoccupations, mightn't he) & finally, a show which has heard my exhortations & decided to ruin my life about it by being willfully fucking dumb

[fincrif]

Best Personal Loans for Summer Vacations

A summer vacation is the perfect time to relax, explore new places, and create unforgettable memories. However, travel expenses—including flights, hotels, sightseeing, and shopping—can quickly add up, making it difficult to finance your dream holiday. This is where a personal loan for travel can help.

A vacation loan allows you to enjoy your trip without financial stress, providing quick funds with flexible repayment options. In this article, we’ll explore the best personal loans for summer vacations, their benefits, eligibility criteria, and tips to choose the right loan for your travel plans.

🔗 Looking for a Travel Loan? Apply Here: Check Personal Loan Offers

1. Why Choose a Personal Loan for Your Summer Vacation?

A personal loan for travel is an unsecured loan that helps cover travel-related expenses without requiring collateral. Unlike credit cards, which come with high interest rates, a personal loan offers:

✔ Lower interest rates compared to credit cards ✔ Flexible repayment terms (12 to 60 months) ✔ Quick approval and disbursal ✔ No restriction on travel destinations

Whether you’re planning a domestic vacation or an international trip, a personal loan can provide the financial flexibility to make your travel dreams a reality.

2. Best Personal Loans for Summer Vacations

Here are some of the top personal loans for travel that offer competitive interest rates, fast processing, and flexible repayment options:

2.1. IDFC First Bank Personal Loan

Loan Amount: ₹50,000 to ₹40 lakh

Interest Rate: 10.75% - 22% p.a.

Repayment Tenure: 12 to 60 months

Quick online approval & minimal documentation 🔗 Apply Here: IDFC First Bank Personal Loan

2.2. Bajaj Finserv Personal Loan

Loan Amount: ₹50,000 to ₹25 lakh

Interest Rate: 11% - 20% p.a.

Instant loan disbursal within 24 hours

No collateral required 🔗 Apply Here: Bajaj Finserv Personal Loan

2.3. Axis Bank Personal Loan

Loan Amount: ₹50,000 to ₹40 lakh

Interest Rate: 10.49% - 17.5% p.a.

Quick processing & pre-approved offers available 🔗 Apply Here: Axis Bank Personal Loan

2.4. Tata Capital Personal Loan

Loan Amount: ₹75,000 to ₹35 lakh

Interest Rate: 10.99% - 19% p.a.

100% digital application process 🔗 Apply Here: Tata Capital Personal Loan

2.5. Incred Personal Loan

Loan Amount: ₹50,000 to ₹10 lakh

Interest Rate: 11% - 24% p.a.

Suitable for salaried & self-employed individuals 🔗 Apply Here: Incred Personal Loan

3. Eligibility Criteria for Travel Loans

To qualify for a personal loan for a vacation, you need to meet certain eligibility criteria set by the lender:

✔ Age: 21 to 60 years ✔ Employment: Salaried or self-employed individuals ✔ Minimum Income: ₹15,000 - ₹25,000 per month (varies by lender) ✔ Credit Score: 700+ preferred for lower interest rates ✔ Employment Stability: Minimum 1 year of work experience

Having a higher credit score improves your chances of getting a lower interest rate and higher loan amount.

4. Documents Required for a Vacation Loan

📌 Identity Proof: Aadhaar Card, PAN Card, Passport 📌 Address Proof: Utility Bill, Rental Agreement, Passport 📌 Income Proof: Salary slips (for salaried individuals), ITR (for self-employed) 📌 Bank Statements: Last 3-6 months for income verification

Lenders may also require employment verification for salaried individuals and business proof for self-employed borrowers.

5. How to Choose the Best Personal Loan for Your Summer Vacation

5.1. Compare Interest Rates

Look for lenders offering competitive interest rates to reduce the cost of your loan.

5.2. Check Loan Tenure & EMI Options

Opt for a flexible repayment tenure that allows you to manage EMIs comfortably.

5.3. Look for Quick Disbursal

Choose lenders that offer instant approvals and same-day loan disbursal for urgent travel plans.

5.4. Assess Hidden Fees

Check for processing fees, prepayment charges, and late payment penalties before applying.

5.5. Read Customer Reviews

User reviews can give insights into customer service, ease of application, and loan processing speed.

🔗 Compare Personal Loan Options & Apply Here: Get a Personal Loan

6. Tips for Managing Your Vacation Loan Effectively

✔ Borrow Only What You Need – Avoid over-borrowing to prevent financial stress. ✔ Choose a Comfortable EMI – Use an EMI calculator to select a manageable repayment option. ✔ Make Timely Repayments – Avoid late payment fees and maintain a good credit score. ✔ Look for Prepayment Options – If possible, repay early to save on interest costs.

7. Alternatives to Personal Loans for Travel

If you don’t want to take a personal loan, here are some alternatives:

✔ Travel Credit Cards: Earn reward points, cashback, and travel discounts on purchases. ✔ Savings & Fixed Deposits: If you have enough savings, using them can help you avoid paying interest. ✔ Employer Salary Advances: Some companies offer salary advance loans at lower interest rates.

Should You Take a Personal Loan for Travel?

A personal loan for summer vacations can be a smart choice if you want to enjoy your trip without financial burden. It offers fast access to funds, flexible repayment options, and lower interest rates compared to credit cards.

✔ If you need quick funds and prefer structured repayments, a personal loan is a great option. ✔ If you have existing savings, consider using them first to minimize debt.

🔗 Ready to Apply for a Travel Loan? Compare the Best Offers Here: Check Personal Loan Options

With the right financial planning and loan selection, you can enjoy a stress-free summer vacation without worrying about expenses!

[fiercynn]

yes i'm talking about otw/ao3's finances again, sorry not sorry

the director of the nonprofit i work for in the u.s. just announced that we have $1 million usd in our reserves at the start of 2025, and that that is a big amount for us to have. we have 35+ full-time employees and several contractors, all of whom are paid good salaries, and we have numerous other operating expenses, including but not limited to running a website, advertising, employee travel, conference registrations, and paying legal costs (we're an advocacy org and often get involved in litigation).

and all i could think about was how the last time i checked the finances of the organization for transformative works (@transformativeworks), which runs ao3, they had almost three times that amount - $2.8 million usd - in their reserves, and zero paid employees, contractors or otherwise. Z E R O.

but that's just normal nonprofit math, right?

and to be clear when i say reserves, i mean money that is not allocated for any specific purpose in the yearly budget. this is just the extra. my org invests that extra so that we can generate additional revenue from it; the last time i checked, otw had only put $10,000 thousand usd of it in an interest-bearing account, which meant they were only earning about $150/year in interest on it. no, i didn't miss any zeroes there. only $150 interest on TWO POINT EIGHT MILLION DOLLARS

anyway i am not going to go check the more recent numbers because any time i try to put any effort into this kind of research, like @manogirl and i did in 2023 and i updated in early 2024, we get so much shit that it hardly feels worth it. but anyone is welcome to follow the process outlined in our previous posts to find the latest numbers yourself. and if you do please tag me! i'm happy to share

but bottom line: remember this when the next otw/ao3 fundraising drive comes around! they don't need your money, and they don't even know how to manage it properly when they get it

(oh, and for anyone who's been following along, no, i still have not received a reply from the otw finance team in response to the one-line question i asked them about their reserves in may 2023. 🙃)

[northopalshore]

‧꒰ა ☆ ໒꒱ ‧ Indicators of a less than well-off spouse &

the significance of the 8th house

<Img @ header source: pinterest>

This means they may have struggled with money, finances, and assets in their life. It can range from poverty stricken, an unhealthy relationship with money (i.e spending habits or addictions) to middle class or average life.

This post applies to the Juno, Briede, Groom persona charts & through derivative astrology. However, in the Groom or Briede persona chart, it manifests after the wedding.

☆ Saturn, Chiron, Mars, Lilith or Neptune in the 2nd house in the Briede 19029 (if you are interested in women), Groom 5129 (if you are into men) , and Juno 3 persona chart : means that your spouse will come from a lesser financial background than you. Money may have always been somewhat of an issue in their lives, so they spend much focus on obtaining it.

☆ If it's Chiron or Lilith in the Juno persona chart here specifically, they may be rather ashamed of it, or don't want to be a burden to you when it comes to money. This is most prominent when first getting to know each other. They may feel rather left out or seem like an outsider to your financial lifestyle.

☆ In the natal chart:

This is where we'll focus on the 8th house as it symbolizes the spouse's financial gain, shared resources and also their spending habits. That being said, it's also important to see the sign & degrees that they are in as well as aspects that it makes for more context. Please understand that these may manifest in their childhood or upbringing and their future may change. (See Beyonce's example on the bottom of this post. )

Note: If there are no planets in the 8th house, look at the 8th house ruler.

Stellium in the 8th house: It means that money is very important to your future spouse. They may attach a lot of meaning into their possessions. Money, as well as the things that they own have been a very integral part of their lives depending on what planet is there.

If Sun is here: than they may base their identity with what they have or what they wear. They could very much be someone who deeply values their aesthetics.

If Moon is here: they will have a strong emotional attachment to their money & belongings. They may have their natal moon in the 2nd house for example. They may like to keep collections of things, like figurines, trinkets, clothing from a specific brand or something.

If Venus is here: Their love language centers around luxurious attraction, they may enjoy spending money on beauty products A LOT. These are the type that will splurge for the sake of their looks or to raise their vibrations. All that glitters is gold to them. They also may earn a lot of money, or have always had what they want (or need) handed to them.

If Mars is here: They likely spend a lot of money, or have a habit of splurging or have zero impulse control when purchasing something. It may also mean that they are always looking for ways to earn money, and may have struggled to gain money i.e have multiple jobs, do a lot of hard work, physical labor.

Ex: See my post about Lana Del Rey's 8th house & her husband's career as an example in this post.

If Mercury is here: Their work may involve talking or communication, being quick witted, guiding people, teaching, etc. Your future spouse has money on their mind. This can sort of manifest in a multitude of ways, but they are very hard working. It doesn't really say definitively whether they are born wealthy or not, but it does give extra context on the sign or degree that it's in. They may talk about money or have a lot of ideas regarding how one can gain money.

If Jupiter is here: Most of you may have already read my rich spouse indicators post. You know how much Jupiter is raved to be the "wealthy spouse" indicator. Even if they did live a hard life, financially, they still had it much better than you did.

If Neptune is here: Similar to mars where they have no impulse control when it comes to spending or buying things. Being so entranced by the moment and ending up buying more than they set out to check out lmao. They may have an unreasonable or unrealistic approach to having money or towards their possessions at times.

If Saturn,Pluto, Chiron or Lilith is here: They may have grown up in poverty, perhaps their family has debt or are always struggling to make ends meet. Very common to see in spouses who grew up in broken homes, struggling because of the financial position they are born in.

Ex: Beyonce has Chiron (°22 Capricorn) in retrograde in her Taurus 8th house. Everyone that has heard any of Jay-Zs old songs knows that he did not grow up in wealth. He grew up in poverty, living in a public housing complex. His father left his family, which left his mother being the sole breadwinner of the family. At some point he had to sell cocaine to survive.

Though since it's in 22, he has struggled to turn his financial situation around i.e to get stacked lmao. The 8th house is in Taurus, which normally would mean that the spouse will have stable or good income. 22 as you know is "kill or be killed", and in this scenario he has come out extremely successful. Granted, Beyoncé also has the starr (4150) asteroid here in an aquarius degree. He is considered a legend in the industry for the unique contributions that he had made through his music. He's extremely influential.

If Part of fortune is here: Your spouse was likely born into a wealthy family, generational wealth. If not then they are very blessed in their career i.e always have a way to gain money or get a job. If they have a brand or business, it's likely that they can make a lot of money through that.

Materially stable signs in the 8th house:

Taurus, Libra, Sagittarius, Leo, Cancer

Somewhere in the middle:

Gemini, Capricorn (goes both ways), Virgo

Not as stable:

Aquarius, Scorpio, Aries, Pisces

(the sign it's in just gives more context, it's not the sole indicator.)

<< Important notice ✋🏻 ⚠️>>

If you have more than one planet, you have to combine their energies together, even if they may be contradicting. It doesn't "cancel each other out", but rather give you a progression or a clearer scenario. Please think wisely! Make sure to compare your Juno, Groom & natal chart together as well.

Thank you for reading ♡

@northopalshore

@northopalshore spouse finance 2024 all rights reserved.

[mostlysignssomeportents]

The housing crisis considered as an income crisis

I'll be in TUCSON, AZ from November 8-10: I'm the GUEST OF HONOR at the TUSCON SCIENCE FICTION CONVENTION.

A paradox: in 1970, everyday Americans found it relatively easy to afford a house, and the average American house cost 5.9x the average American income. In 2024, Americans find it nearly impossible to afford a house, and the average American house costs…5.9x the average American income.

Feels like a puzzler, right? Can it really be true that the average American house is as affordable to the average American earner as it was in 1970? It is true, as you can see from Blair Fix's latest open access research report, "The American Housing Crisis: A Theft, Not a Shortage":

https://economicsfromthetopdown.com/2024/10/23/the-american-housing-crisis-a-theft-not-a-shortage/

Fix also points out that is even more true of rents than it is of house prices. The ratio of rent to average income has actually fallen slightly since 1970. Rents are also, in some mathematical sense, "affordable."

Now, those of you who are well-versed in statistical card-palming will likely have a pretty good idea of the statistical artifact at the root of this paradox: the word "average." If you remember your seventh grade math, you'll recall that "average" has more than one meaning. Sure, there's the most common one: add several values together, then divide the total by the number of values you added. For example, a nonzero number of people have one or zero arms, so the average human has slightly fewer than two arms.

That average is called the "mean." The mean US wage is pretty robust: $73,242/year:

https://fred.stlouisfed.org/series/A792RC0Q052SBEA/1000

But the majority of Americans are not earning anything like $73k/year. Since the Reagan years, the number of Americans living in poverty and extreme poverty has climbed and climbed. And while their declining income sure drags down that average, it's dragged way, way, way up by another group of Americans – the ultra-rich.

You see, as Fix writes, back in the Reagan years, America initiated an experiment in redistribution. Reagan enacted policies that moved most of the nation's wealth from the great majority of working people to a tiny minority of people who ended up owning pretty much everything. Throw their income into the mix, and the average American's income is sufficient to finance the average American home, with plenty to spare.

In other words, this isn't an "average human has fewer than two arms" situation, it's more like a "Spiders Georg" situation. Spiders Georg is a Tumblr meme about a guy who eats 10,000 spiders every day and is thus single-handedly responsible for the (false) statistic that the average human eats two spiders a week:

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

The American rich – Reagan's progeny – are the Spiders Georg of house prices. By hoarding the great mass of American national wealth, they create a statistical mirage of affordable housing.

Now, that's interesting, but where Fix goes next with this is even more fascinating. If the average price of housing (relative to average income) has stayed fixed since 1970, then it follows that the price of housing isn't being driven up by a problem with supply. Rather, these numbers suggest that America has enough housing, it's just that (most) Americans don't have enough money.

If that's true – and I have a couple of quibbles, which I'll get to in a sec – then the most common prescription for solving American housing (building more of it) is somewhat beside the point. For Fix, using public funds to subsidize cheaper housing is like using public funds to pay for food stamps for working people whose wages are too low to keep them from starving. Sure, we should do that: no one should be without a home and no one should be hungry. But if working people can't afford shelter and food, then we have a wage problem, not a supply problem.

Fix – as ever – has a well-thought through, painstakingly documented "sources and methods" page to back up his conclusions:

https://economicsfromthetopdown.com/2024/10/23/the-american-housing-crisis-a-theft-not-a-shortage/#sources-and-methods

And while Fix acknowledges that reversing the mass transfer of wealth from working people to their bosses (and their bosses' idle offspring) is a big lift, he rightly wants to keep the question of wages (rather than housing supply) front and center in our debate about why so many of us are finding it hard to keep a a roof over our heads. We need progressive taxation, higher minimum wages, protection from medical and education debt, and hell, why not a job guarantee?

https://pluralistic.net/2020/06/25/canada-reads/#tcherneva

I love Fix's work, and this report is no exception. He does it all in his spare time. Some nice progressive think tank should give him a grant so he can do (a lot) more of it.

That all said, I do have a quibble with his conclusion about the adequacy of the American housing supply. In California, we have a shortage of 3-4 million homes, a number arrived at through the relatively robust method of adding up the number of California families that would like to have their own homes and subtracting the number of homes available near those families:

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

How to explain the discrepancy? One possibility is that the price of housing is artificially low, because more than 181,000 people are homeless here. Hundreds of thousands of more people are living in overcrowded housing, with multiple families inhabiting spaces intended for just one (or even a single person). If all of those people were competing for housing, the price might rise even higher.

Think of the people who have given up looking for work – because they're not in the workforce, wages go up. If they were competing in the labor market, wages would fall. Maybe all those people would prefer to have a job, but they're missing from the statistics.

That's one theory. Another is that we're getting tripped up on averages again here. California does have some towns with many vacancies, extra supply that is pushing down prices; it's also got many places with far more people who want to live there than there are homes for. It's possible that there's enough supply on average across the states, but – as we've seen – averages are deceptive.

Ultimately, I think both things can be true: we have a wage problem and we have (many, localized) supply problems. Both of these problems deserve our attention, and neither is acceptable in a civilized society.

Tor Books as just published two new, free LITTLE BROTHER stories: VIGILANT, about creepy surveillance in distance education; and SPILL, about oil pipelines and indigenous landback.

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

https://pluralistic.net/2024/10/24/i-dream-of-gini/#mean-ole-mr-median

[cipheramnesia]

My mech combat fever drives me up the wall because I don't vibe with the whole like humanoid or semihumanoid designs although they're cool, just like not my brain treats, and I'm zero amounts interested like the finances of maintaining a robot or the attrition and heat in combat, and again the mechs that are more like giant mechanical magical girls are cool and the ttrpg mechs are cool, and something missing which is almost Neon Genesis Evangelion because that was a bit of a lightbulb moment in realizing that Mechs ought bleed and have broken bones and giant scale traumatic injuries, but that also was more of a like, idk, a guy who pilots a giant Jesus that runs on teenage depression, and no one even built the giant Jesus they just found it and drilled a hole for a dude or something. The point is I'm here for the blood, which is how I have ended up obsessed over the idea of humans building giant biomechanical insects that eat their pilot's entire mind because they have a dozen artificial brains throughout their bodies because they're huge so the pilot gets digested and excreted into a dozen parts and the whole thing runs on human nightmares and a nuclear reactor.

[yourdailykitsch]

Taylor Kitsch Was Sleeping on the Subway Before He Was Cast in 'Friday Night Lights'

Taylor Kitsch, 43, is a Canadian actor best known for his roles in "Friday Night Lights," "Savages" and "American Assassin." He stars in the Netflix Western miniseries "American Primeval," which starts Jan. 9.

Beginning in the fourth grade, I loved talking in front of my grade-school classes. We had public-speaking contests, and I'd get up and tell improvised fictional stories.

Some kids spoke about penguins or polar bears, but I made up funny stories about nightmares. Classes often voted for me as their favorite, sending me on to compete on the assembly stage. If the audience there voted for me, too, off I'd go to compete against other schools.

I was a class clown, always trying to make people laugh. While I had zero interest in drama in school, public speaking planted a seed for acting years later.

My family first lived in Kelowna, British Columbia, but I don't remember much about it. My parents divorced when I was 1. My father, Drew, had been a race-car driver and then worked in Guyana diamond mines before going into construction.

Following my parents' separation, my two older brothers - Brody and Daman - and I lived with my mother, Sue. When I was 5, we moved to Anmore, a rural area north of Vancouver. My mom held a few jobs to pay the bills.

Three years later, my mother had a serious boyfriend, Peter, who was older than her. We moved into a double-wide, ugly blue mobile home with four bedrooms in a trailer park.

The surrounding area was forested, so I often played in the woods with my best friend, Paddy. All those trees and quiet provided me with a sense of calm and wonderment. The woods were an adventure and an escape.

Peter was a gentle soul and taught me to play soccer. When I was 12, he and my mom split up. I was a mess, angry, and not totally understanding. I was emotional when Peter and I had to say goodbye.

I insisted my mom drive me a half-hour to his house so I could spend weekends there. This continued for several months until I was told he'd died.

Peter was a big guy and incredibly athletic. He never yelled, and he taught me it was acceptable for guys to express their feelings. That was a huge help. As a kid, I was so freaking insecure. I didn't know where to put my energy when I felt things.

In high school, I was good in subjects I liked - English and history. The rest was a mystery. At the University of Lethbridge in Albert, someone told me to major in finance. I took a semester of macroeconomics, which was ridiculous for me.

After a year, I left. I was lost. I'd hoped hockey would be my ticket, but an injury at age 20 ended that dream.

Then my mom tricked me into meeting a modeling agent in Vancouver. He sent my pictures to IMG Models in New York. They signed me, and I moved there in 2002. While acting wasn't part of my grand plan, it seemed like a logical offshoot.

I took classes, but I was super cocky at first, which angered my acting coach, Sheila Gray. She kicked me out of class, and said, "Come back when you're ready to listen and study." That was the nudge I needed.

I returned to Sheila a few weeks later and dug in. My passion for acting grew as I uncovered my love of a challenge, leading to self-discovery and belonging. That's when I realized acting was more than just a craft. It was a career.

Most helpful were sheila's classes on improv and scene study. Chris Forberg, my friend and modeling agent who knew I was studying, saw that I'd stuck with it and thought I would make a better actor than model. He offered to introduce me to a few acting managers, and that's how I found Stephanie Simon, who is still my manager.

Though Sheila let me take classes for free, I didn't have a visa so I couldn't work. I lived on friends' couches, slept on the subway and coached clients on nutrition for cash.

Eventually, I went to Barbados and worked construction with my dad for nearly two months before returning to Vancouver. I bought a small car and drove to Los Angeles but had to live in the car. I soon returned to Vancouver again.

In 2005 I auditioned on tape for the TV series "Friday Night Lights" and was cast. The studio got me a visa to work in Austin, Texas, where the series was shot. That was my big break.

Today, I live in a wood-and-steel contemporary house in Bozeman, Mont. I also have a 22-acre property outside of town on top of a mountain that I'm developing into a foundation and a drug-and-alcohol healing retreat for veterans and kids.

Three months ago, one of my brothers was on Facebook and came across a photo of Peter at his 93rd birthday. I was shocked. Just before Christmas, we paid him a surprise visit and stayed for two hours. He was grateful. I left him a card thanking him for his influence on me. And for teaching me about kindness.

Taylor's Hike

"American Primeval"? I play a weathered loner who helps a woman and her son fleeing their past cross the violent West in 1857.

Your dad and mom? He passed last year. My mom lives outside of Vancouver.

Fireplace? It's a long, contemporary, black steel gas model. I turn it on every morning when I have my coffee.

Home splurge? I recently bought a nice Breville Barista coffee machine.

Bozeman too chill? If you're bored up here, it's your fault. I just went on a 7-mile waterfall hike. It helped clear my head after a long stretch on set.

[warsofasoiaf]

You're massively overthinking things. It simply boils down to Americans being sick of forever wars as the world's police, picking Trump in 16 over the Bush-party and the establishment SecState, taking-credit-for-Libya Clinton, and in 24, because they have zero interest in tax dollars (or worse) being spent on a corruptocrat bullshit country fighting one with nukes & oil. Trump is simply not smart or prudent enough to refrain from getting hyperbolic in rejecting the anti-Putin mania.

Your hard-on for Putin also has you looking at concessions as "things you don't want Putin to have" instead of "things that might cost AMERICA less than funding the Keystone Kops civil war". How many times do Trump & his supporters have to say "America first" before you get that's what they mean, not "sure, America, but also we have to solve this international issue I did my thesis on/have a consulting job lined up concerning/etc..." that every foreign policy "expert" says is a priority? Final point: "The 80s called, they want their foreign policy back" - the last 100% mentally there POTUS, campaigning for re-election, which he won despite being black, and telling Medvedev on a hot mike that he'd be able to help more in his second term. Making 3 of the last 4 elections where Americans picked the not-fighting-Russia guy. Sorry Ukraine, but maybe don't go bullying ethnic Russian citizens next time. "It does not do to leave a dragon out of your calculations if you live near him."

LOL, this is amazing. Ukraine's corruption is a relic of the Soviet Union and the Russian Federation - they actually want to be our ally.

Public polling said that inflation was a primary concern and that among Americans, they largely were supportive of Ukraine, rather than Russia. People wanted Trump in 16 because they were tired of being condescended to. And let's not forget, in a climate with >5% inflation, Trump squeaked by with 1.4%. He was given the 2024 election on a silver platter and he still managed to almost fuck it up. You're out of touch, deep in your Twitter echo chamber. Touch grass, boyo.

Forever war? Trump is openly fetishizing invading Greenland, Canada, and Panama. He's the forever war candidate butthurt that his current legacy is "the second guy that was a non-consecutive President but also got impeached because he was a little snowflake scared about losing an election that he tried to get oppo dirt."

I'll believe that Trump is "America First" when he actually starts doing policies that benefit Americans. Because right now, he's driving up inflation and driving down the stock market with tariff threats. Cost America less? Idiot wants to ram through 4.5 trillion worth of tax cuts and explode the deficit so don't tell me he cares about fiscal responsibility. Ukraine aid is spent here, in the US, spent at the Lima Plant modernizing our military. That's stuff that actually makes the US stronger. Meanwhile Trump is talking about trying to open up trade with Russia - and torpedoing trade with Europe (a larger partner) to do it. He wants the US to finance Russian reconstruction, the same Russians that tried to kill us in Khasham and that regularly arrest US citizens on flimsy charges so that they can extract concessions via hostage diplomacy. That's not caring about Americans - that's a "Russia First, America after" policy.

Ukraine bullying ethnic Russians. That's fucking rich. Boo-hoo, the ethnic Russians in Ukraine are big sad that everyone doesn't tell them that Russia is the biggest and best boy ever. Cry more, loser.

Try again, buddy! Maybe do some research instead of swallowing Russian propaganda wholesale and believing it makes you a free thinker.

-SLAL

[hopeymchope]

Even more (wild) info on "The Hundred Line -Last Defense Academy-"

In a Famitsu interview, Kodaka has revealed many interesting things and general background details/info about The Hundred Line and its development.

Every playable character specializes in a "Special Subject" and a distinct weapon that are reflected in their clothing. This is the analog to the "Ultimate" student talents, essentially.

More clearly outlining the staff: The overall scenario is by Kodaka and Uchikoshi, who also shared script-writing duties. Komatsuzaki and Masafumi Takada return from Danganronpa and Master Detective Archives to once again handle character art/design and music, respectively. Nothing very surprising here.

The white ghost-like mascot is named "Sirei" in the original Japanese, and the tanukis seen in the 'Extreme x Despair' concept art are apparently the origin of the character.

He says that the team went into debt to create this game, ultimately taking out a loan to finance it.

"If the game doesn't sell, we can't pay off our debt. In that sense, this is a rare opportunity for players. You get to witness how the sales of a single title can affect the future of a company and its creators."

Apparently the game's lengthy development included a previous publishing deal falling through, which temporarily cancelled the game.

This is also a big reason why the original concept art doesn't much resemble the current product. In regards to the differences from the original concept art, Kodaka says, "The concept of the work has not been changed, but in order to make a proper restart, the character designs were renewed. Although these appearances changed, the setting was still inherited from the original work, so similar characters will appear."

MEANWHILE... per an article from RockPaperShotgun, The Hundred Line is reportedly promising "100 Extreme/Despair-Filled Endings." I can only guess that they're talking about variations in the ending depending on who falls in battle, kind of like Fire Emblem - maybe?

[nirvanacuga]

Made a fan art after I finished reading Axtara: Banking and Finances. They made banking so much fun despite me having absolutely zero interest in it rahhhhhhh go check the book out nowwwww cozy fantasyyy & fun awaiitssss

[fincrif]

Should You Take a Personal Loan for Buying Furniture?

When it comes to furnishing your home or office, furniture is an essential investment that significantly impacts the comfort and aesthetics of your space. However, furniture can also be quite expensive, especially if you’re aiming for high-quality items or need to furnish multiple rooms at once. If you're short on funds, you may wonder: Should you take a personal loan for buying furniture?

In this article, we’ll explore the pros and cons of using a personal loan to buy furniture, other financing options available, and the best lenders offering personal loans for furniture purchases.

1. Understanding Personal Loans for Buying Furniture

A personal loan is an unsecured loan that you can use for any purpose, including purchasing furniture for your home or office. Since it’s unsecured, you don’t need to provide collateral, making it a relatively easy way to secure funds.

Many people consider taking a personal loan for buying furniture because of the flexibility it offers, such as:

Choosing the store from which to buy furniture (no restrictions).

Using the loan for multiple purchases across different categories (couches, beds, tables, chairs, etc.).

The ability to repay the loan in easy monthly installments over a tenure that suits your budget.

2. Benefits of Taking a Personal Loan for Furniture Purchases

2.1 Quick Approval and Disbursal

Unlike other types of financing, a personal loan often has quick approval and disbursal, usually within 24-48 hours, allowing you to purchase the furniture immediately without delay. This can be beneficial if you need to furnish your space in a hurry.

💡 Tip: Some banks and lenders offer instant online loan approval for personal loans, making it even more convenient.

🔗 Best lenders for quick loan approval: 👉 IDFC FIRST Bank Personal Loan 👉 Bajaj Finserv Personal Loan

2.2 No Collateral Required

Since personal loans are unsecured, you don’t need to pledge any assets as collateral. This makes them an attractive option if you don’t want to risk your property, car, or savings.

2.3 Flexible Repayment Tenure

Personal loans offer flexible repayment terms, typically ranging from 1 to 5 years, which can be adjusted to your monthly budget. This allows you to repay your loan in affordable EMIs, thus reducing financial pressure.

💡 Tip: Choose a longer loan tenure if you want lower EMIs, but remember that it will result in paying more interest over time.

2.4 Competitive Interest Rates

Depending on your credit score and income, you may be eligible for competitive interest rates with personal loans. Salaried individuals or those with higher credit scores may qualify for interest rates as low as 10-12% p.a.

🔗 Best lenders for competitive interest rates: 👉 Tata Capital Personal Loan👉 Axis Finance Personal Loan

2.5 No Restrictions on Use

One of the primary benefits of a personal loan is the freedom to use the loan amount however you wish. There are no restrictions on how you spend the loan, so you can use it to buy furniture or invest in other home improvements if necessary.

3. Disadvantages of Using a Personal Loan for Furniture Purchases

3.1 Higher Interest Rates Compared to Store EMI Schemes

While personal loans offer flexibility, they typically come with higher interest rates than zero-cost EMI options available at furniture stores or through credit cards.

💡 Tip: If the store offers zero-cost EMI schemes, compare it to the personal loan’s interest rate to check which option saves you more money.

3.2 Impact on Your Credit Score

Since personal loans involve regular EMI payments, missing payments or taking on too much debt can negatively affect your credit score. Be sure that you can manage the repayment before applying for a loan.

💡 Tip: Setting up auto-debit for loan payments ensures you never miss an EMI.

3.3 Loan Processing Fees and Other Charges

In addition to interest, personal loans often come with processing fees, typically ranging from 1-3% of the loan amount. These fees add to the total cost of borrowing and may increase the overall price of the furniture.

💡 Tip: Always read the fine print and ask about processing fees and any other charges before signing the loan agreement.

3.4 Short-Term Debt

Furniture is a short-term asset compared to other long-term investments like real estate or education. Using a loan to finance something with a limited lifespan could result in long-term debt for a short-term purchase.

4. Alternative Financing Options for Buying Furniture

Before opting for a personal loan, consider these alternatives:

4.1 No-Cost EMI Schemes

Many furniture stores and brands offer zero-cost EMI schemes, which allow you to pay for your purchase in installments without additional interest. This is one of the most affordable ways to finance your furniture.

💡 Best for: Buyers who have access to store EMI options and want to avoid interest charges.

4.2 Credit Cards

If you have a credit card with a high limit, you may be able to purchase furniture and pay it off in EMIs. Many banks offer interest-free EMI schemes for up to 12 months on furniture purchases.

💡 Tip: Ensure that you pay off the balance before the interest-free period ends to avoid high interest charges.

4.3 Home Renovation Loans

If you're also looking to make other home improvements along with buying furniture, you could opt for a home renovation loan instead of a personal loan. These loans are typically available at lower interest rates and are designed for larger home-related purchases.

4.4 Loan Against Fixed Deposit (FD)

If you have a fixed deposit with a bank, you may be able to take a loan against FD at a much lower interest rate than a personal loan. The interest rates for these loans are usually 8-10% compared to 12-24% for personal loans.

5. How to Apply for a Personal Loan to Buy Furniture

If you decide that a personal loan is the right choice, follow these steps:

Step 1: Compare Personal Loan Offers

Start by comparing interest rates, processing fees, and repayment terms from various lenders to find the best deal.

🔗 Compare personal loans here: 👉 Compare Personal Loan Offers

Step 2: Check Your Eligibility

Personal loan eligibility is based on factors such as income, credit score, age, and job stability. Ensure you meet the lender’s requirements before applying.

Step 3: Submit Your Application and Documents

Once you’ve selected a lender, submit your application along with the required documents, such as: ✔ Identity proof (Aadhar Card, PAN Card, etc.) ✔ Address proof (Utility bills, Rent Agreement, etc.) ✔ Income proof (Salary slips, Bank statements, ITR)

Step 4: Loan Approval and Disbursal

After your application is approved, the loan amount is typically credited to your bank account within 24-48 hours.

Should You Take a Personal Loan for Buying Furniture?

Taking a personal loan for purchasing furniture can be a good idea if you need quick access to funds, but it comes with certain costs and responsibilities. The benefits include quick disbursal, flexible repayment options, and no collateral required, while the drawbacks involve higher interest rates, processing fees, and potential impact on your credit score.

Key Considerations:

✔ Consider zero-cost EMI schemes if available in-store. ✔ Ensure you can comfortably repay the loan without affecting your financial stability. ✔ Compare loan offers from various lenders to secure the best deal.

For the best personal loan offers to finance your furniture purchase, apply here: 👉 Compare & Apply for a Personal Loan

With the right approach, you can furnish your home or office without straining your finances and enjoy the benefits of manageable loan repayments. 🚀

[lordoflucky]

Sometimes I wonder if my hyperfixation on benbaro is wavering, and then I think about when Ryunosuke says "But I thought you and Professor Harebrayne were friends?" and then Barok responds "We are friends." and refuses to elaborate. And then I think about how certain Albert is that Barok cares about him and is holding his best interests at heart despite Barok's current reputation. And then I think about how they mutually consider the other to be their best friend despite the fact that haven't spoken for 10 years. (Frankly? They're equally unhinged for that.) And then I think about how Barok chooses to prosecute the case because he can't bear the thought of leaving Albert's life in anyone else's hands. And then I think about the end of the case, and how oddly excited Albert seems when he says Barok "Was like a great demon, snarling down on his prey" (Freak. good for him.) And then I think about how neither of them can even celebrate Albert's acquittal because he needs to leave the country immediately for his own safety. And then I think about how Barok already had the tickets ready before the trial was even over. And then I think about how when it's Barok's turn in the defendant's chair his only comfort is knowing Albert made it home safe. And then I think about how, based on the curtain call, it can be assumed that Barok invites Albert back to London the millisecond he gets out of prison. And then I think about how Albert is so excited to return he boards the first trip available with zero consideration to his finances. And then I think about the credits walk, and how Barok is not beside the 2-4 or 2-5 casts, which is where he should be considering he's literally the defendant of those cases. Instead he's with 2-3. Next to Albert. Do not separate them. And then

[mostlysignssomeportents]

How finfluencers destroyed the housing and lives of thousands of people

For the rest of May, my bestselling solarpunk utopian novel THE LOST CAUSE (2023) is available as a $2.99, DRM-free ebook!

The crash of 2008 imparted many lessons to those of us who were only dimly aware of finance, especially the problems of complexity as a way of disguising fraud and recklessness. That was really the first lesson of 2008: "financial engineering" is mostly a way of obscuring crime behind a screen of technical jargon.

This is a vital principle to keep in mind, because obscenely well-resourced "financial engineers" are on a tireless, perennial search for opportunities to disguise fraud as innovation. As Riley Quinn says, "Any time you hear 'fintech,' substitute 'unlicensed bank'":

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

But there's another important lesson to learn from the 2008 disaster, a lesson that's as old as the South Seas Bubble: "leverage" (that is, debt) is a force multiplier for fraud. Easy credit for financial speculation turns local scams into regional crime waves; it turns regional crime into national crises; it turns national crises into destabilizing global meltdowns.

When financial speculators have easy access to credit, they "lever up" their wagers. A speculator buys your house and uses it for collateral for a loan to buy another house, then they make a bet using that house as collateral and buy a third house, and so on. This is an obviously terrible practice and lenders who extend credit on this basis end up riddling the real economy with rot – a single default in the chain can ripple up and down it and take down a whole neighborhood, town or city. Any time you see this behavior in debt markets, you should batten your hatches for the coming collapse. Unsurprisingly, this is very common in crypto speculation, where it's obscured behind the bland, unpronounceable euphemism of "re-hypothecation":

https://www.coindesk.com/consensus-magazine/2023/05/10/rehypothecation-may-be-common-in-traditional-finance-but-it-will-never-work-with-bitcoin/

Loose credit markets often originate with central banks. The dogma that holds that the only role the government has to play in tuning the economy is in setting interest rates at the Fed means the answer to a cooling economy is cranking down the prime rate, meaning that everyone earns less money on their savings and are therefore incentivized to go and risk their retirement playing at Wall Street's casino.

The "zero interest rate policy" shows what happens when this tactic is carried out for long enough. When the economy is built upon mountains of low-interest debt, when every business, every stick of physical plant, every car and every home is leveraged to the brim and cross-collateralized with one another, central bankers have to keep interest rates low. Raising them, even a little, could trigger waves of defaults and blow up the whole economy.

Holding interest rates at zero – or even flipping them to negative, so that your savings lose value every day you refuse to flush them into the finance casino – results in still more reckless betting, and that results in even more risk, which makes it even harder to put interest rates back up again.

This is a morally and economically complicated phenomenon. On the one hand, when the government provides risk-free bonds to investors (that is, when the Fed rate is over 0%), they're providing "universal basic income for people with money." If you have money, you can park it in T-Bills (Treasury bonds) and the US government will give you more money:

https://realprogressives.org/mmp-blog-34-responses/

On the other hand, while T-Bills exist and are foundational to the borrowing picture for speculators, ZIRP creates free debt for people with money – it allows for ever-greater, ever-deadlier forms of leverage, with ever-worsening consequences for turning off the tap. As 2008 forcibly reminded us, the vast mountains of complex derivatives and other forms of exotic debt only seems like an abstraction. In reality, these exotic financial instruments are directly tethered to real things in the real economy, and when the faery gold disappears, it takes down your home, your job, your community center, your schools, and your whole country's access to cancer medication:

https://www.theguardian.com/world/2012/jun/08/greek-drug-shortage-worsens

Being a billionaire automatically lowers your IQ by 30 points, as you are insulated from the consequences of your follies, lapses, prejudices and superstitions. As @pixelpusher220@dmv.community says, Elon Musk is what Howard Hughes would have turned into if he hadn't been a recluse:

https://mamot.fr/@pixelpusher220@dmv.community/112457199729198644

The same goes for financiers during periods of loose credit. Loose Fed money created an "everything bubble" that saw the prices of every asset explode, from housing to stocks, from wine to baseball cards. When every bet pays off, you win the game by betting on everything:

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

That meant that the ZIRPocene was an era in which ever-stupider people were given ever-larger sums of money to gamble with. This was the golden age of the "finfluencer" – a Tiktok dolt with a surefire way for you to get rich by making reckless bets that endanger the livelihoods, homes and wellbeing of your neighbors.

Finfluencers are dolts, but they're also dangerous. Writing for The American Prospect, the always-amazing Maureen Tkacik describes how a small clutch of passive-income-brainworm gurus created a financial weapon of mass destruction, buying swathes of apartment buildings and then destroying them, ruining the lives of their tenants, and their investors:

https://prospect.org/infrastructure/housing/2024-05-22-hell-underwater-landlord/

Tcacik's main characters are Matt Picheny, Brent Ritchie and Koteswar “Jay” Gajavelli, who ran a scheme to flip apartment buildings, primarily in Houston, America's fastest growing metro, which also boasts some of America's weakest protections for tenants. These finance bros worked through Gajavelli's company Applesway Investment Group, which levered up his investors' money with massive loans from Arbor Realty Trust, who also originated loans to many other speculators and flippers.

For investors, the scheme was a classic heads-I-win/tails-you-lose: Gajavelli paid himself a percentage of the price of every building he bought, a percentage of monthly rental income, and a percentage of the resale price. This is typical of the "syndicating" sector, which raised $111 billion on this basis:

https://www.wsj.com/articles/a-housing-bust-comes-for-thousands-of-small-time-investors-3934beb3

Gajavelli and co bought up whole swathes of Houston and other cities, apartment blocks both modest and luxurious, including buildings that had already been looted by previous speculators. As interest rates crept up and the payments for the adjustable-rate loans supporting these investments exploded, Gajavell's Applesway and its subsidiary LLCs started to stiff their suppliers. Garbage collection dwindled, then ceased. Water outages became common – first weekly, then daily. Community rooms and pools shuttered. Lawns grew to waist-high gardens of weeds, fouled with mounds of fossil dogshit. Crime ran rampant, including murders. Buildings filled with rats and bedbugs. Ceilings caved in. Toilets backed up. Hallways filled with raw sewage:

https://pluralistic.net/timberridge

Meanwhile, the value of these buildings was plummeting, and not just because of their terrible condition – the whole market was cooling off, in part thanks to those same interest-rate hikes. Because the loans were daisy-chained, problems with a single building threatened every building in the portfolio – and there were problems with a lot more than one building.

This ruination wasn't limited to Gajavelli's holdings. Arbor lent to multiple finfluencer grifters, providing the leverage for every Tiktok dolt to ruin a neighborhood of their choosing. Arbor's founder, the "flamboyant" Ivan Kaufman, is associated with a long list of bizarre pop-culture and financial freak incidents. These have somehow eclipsed his scandals, involving – you guessed it – buying up apartment buildings and turning them into dangerous slums. Two of his buildings in Hyattsville, MD accumulated 2,162 violations in less than three years.

Arbor graduated from owning slums to creating them, lending out money to grifters via a "crowdfunding" platform that rooked retail investors into the scam, taking advantage of Obama-era deregulation of "qualified investor" restrictions to sucker unsophisticated savers into handing over money that was funneled to dolts like Gajavelli. Arbor ran the loosest book in town, originating mortgages that wouldn't pass the (relatively lax) criteria of Fannie Mae and Freddie Mac. This created an ever-enlarging pool of apartments run by dolts, without the benefit of federal insurance. As one short-seller's report on Arbor put it, they were the origin of an epidemic of "Slumlord Millionaires":

https://viceroyresearch.org/wp-content/uploads/2023/11/Arbor-Slumlord-Millionaires-Jan-8-2023.pdf

The private equity grift is hard to understand from the outside, because it appears that a bunch of sober-sided, responsible institutions lose out big when PE firms default on their loans. But the story of the Slumlord Millionaires shows how such a scam could be durable over such long timescales: remember that the "syndicating" sector pays itself giant amounts of money whether it wins or loses. The consider that they finance this with investor capital from "crowdfunding" platforms that rope in naive investors. The owners of these crowdfunding platforms are conduits for the money to make the loans to make the bets – but it's not their money. Quite the contrary: they get a fee on every loan they originate, and a share of the interest payments, but they're not on the hook for loans that default. Heads they win, tails we lose.

In other words, these crooks are intermediaries – they're platforms. When you're on the customer side of the platform, it's easy to think that your misery benefits the sellers on the platform's other side. For example, it's easy to believe that as your Facebook feed becomes enshittified with ads, that advertisers are the beneficiaries of this enshittification.

But the reason you're seeing so many ads in your feed is that Facebook is also ripping off advertisers: charging them more, spending less to police ad-fraud, being sloppier with ad-targeting. If you're not paying for the product, you're the product. But if you are paying for the product? You're still the product:

https://pluralistic.net/2021/01/04/how-to-truth/#adfraud

In the same way: the private equity slumlord who raises your rent, loads up on junk fees, and lets your building disintegrate into a crime-riddled, sewage-tainted, rat-infested literal pile of garbage is absolutely fucking you over. But they're also fucking over their investors. They didn't buy the building with their own money, so they're not on the hook when it's condemned or when there's a forced sale. They got a share of the initial sale price, they get a percentage of your rental payments, so any upside they miss out on from a successful sale is just a little extra they're not getting. If they squeeze you hard enough, they can probably make up the difference.

The fact that this criminal playbook has wormed its way into every corner of the housing market makes it especially urgent and visible. Housing – shelter – is a human right, and no person can thrive without a stable home. The conversion of housing, from human right to speculative asset, has been a catastrophe:

https://pluralistic.net/2021/06/06/the-rents-too-damned-high/

Of course, that's not the only "asset class" that has been enshittified by private equity looters. They love any kind of business that you must patronize. Capitalists hate capitalism, so they love a captive audience, which is why PE took over your local nursing home and murdered your gran:

https://pluralistic.net/2021/02/23/acceptable-losses/#disposable-olds

Homes are the last asset of the middle class, and the grifter class know it, so they're coming for your house. Willie Sutton robbed banks because "that's where the money is" and We Buy Ugly Houses defrauds your parents out of their family home because that's where their money is:

https://pluralistic.net/2023/05/11/ugly-houses-ugly-truth/#homevestor

The plague of housing speculation isn't a US-only phenomenon. We have allies in Spain who are fighting our Wall Street landlords:

https://pluralistic.net/2021/11/24/no-puedo-pagar-no-pagara/#fuckin-aardvarks

Also in Berlin:

https://pluralistic.net/2021/08/16/die-miete-ist-zu-hoch/#assets-v-human-rights

The fight for decent housing is the fight for a decent world. That's why unions have joined the fight for better, de-financialized housing. When a union member spends two hours commuting every day from a black-mold-filled apartment that costs 50% of their paycheck, they suffer just as surely as if their boss cut their wage:

https://pluralistic.net/2023/12/13/i-want-a-roof-over-my-head/#and-bread-on-the-table

The solutions to our housing crises aren't all that complicated – they just run counter to the interests of speculators and the ruling class. Rent control, which neoliberal economists have long dismissed as an impossible, inevitable disaster, actually works very well:

https://pluralistic.net/2023/05/16/mortgages-are-rent-control/#housing-is-a-human-right-not-an-asset

As does public housing:

https://jacobin.com/2023/10/red-vienna-public-affordable-housing-homelessness-matthew-yglesias

There are ways to have a decent home and a decent life without being burdened with debt, and without being a pawn in someone else's highly leveraged casino bet.

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

https://pluralistic.net/2024/05/22/koteswar-jay-gajavelli/#if-you-ever-go-to-houston

Image: Boy G/Google Maps (modified) https://pluralistic.net/timberridge

[squatch-and-stretch]

Deep Dive

Stanley Pines & Stanford Pines | 6,335 words | Hurt/Comfort, Scuba Diving

One of the last skills you learn in dive training, and the one that likely sticks in your head the most is what to do if your buddy runs out of air. Even in the controlled environment of the training pool, 15 feet under synthesized salt water with a dive instructor behind you, warning you very clearly that they’re turning off your air, the moment that the gauge hits zero is briefly terrifying. Once you’ve got your buoyancy under control and have adjusted to the way it feels to be underwater, it’s surprisingly easy to forget that that is not where humans are supposed to be. And then your air supply cuts off, and you are reminded of the fact that you are desperately out of your depth in every conceivable way.

But your partner is right in front of you, and they were expecting this just as much as you are. As quickly as you run out of air, you can grab their arm, gesture with a flat hand across your throat, and rip their primary air source out of their mouth if you have to. You swim around a bit, holding each other's arms in a wet death grip, and you surface a minute later with no harm done.

That’s how it works when you’re learning, anyway. In practice, things work a bit differently.

Or, Sea Grunkles scuba diving hurt/comfort fic.

Despite his initial reservations, Stan ends up enjoying diving a lot. He’s always loved the ocean, but never really had any interest in going too deep into it. He’s a decent swimmer, but summers on Glass Shard Beach always consisted of goofing off in the shallows and working on the original Stan O’ War. In Gravity Falls, he was happy staying in his little boat and bringing the fish up to him.

Ford always had a bit of a different attitude, though. Ever since they were young, he was pressing his luck swimming out further and filling his eyes with salt water. Sometimes Stan would look out and see Ford floating face down in the water and he’d freak out every time, only for Ford to suddenly perk up and turn to Stan with red eyes and wide grin, insisting that he saw something this time.

So it really was no surprise that he ended up getting his diving license at some point while they were apart. He admitted that he hadn’t really ended up using it much— the bait shop by Gravity Falls Lake definitely didn’t double as a dive shop and he couldn’t really justify any destination diving— but he was happy to tell Stan all about it, and, eventually, insist on getting him certified as well as they planned a trip in warmer waters.

With the certification done, both of them properly geared up with a little help from Fiddleford both in terms of finances and technology, and some small modifications to the Stan O’ War II, they were ready to dive as soon as they circled around to the Caribbean through Panama. While part of Stan prickled at being so close to Colombia and all the unpleasant memories that brought back, Ford’s enthusiasm was, as usual, infectious, and made it very hard to get lost in his memories.

With a few air tanks rented from a dive shop in Belize and one of Ford’s sci-fi doohickeys detecting something over the reef, they were set to go.

“Any idea what we’re in for down there?” Stan asks as he gears up.

“Charles Darwin once described the Belize Barrier Reef as the most remarkable reef in the West Indies! Over 100 species of coral, 500 species of fish, and countless other invertebrates! It’ll be an incredible dive, Stanley, just you wait!” Ford says, fumbling with the buckles of his BCD in his excitement.

Stan rolls his eyes as he tightens the straps of his own.

“I meant whatever anomaly your doohickey detected.”

“It’s a highly advanced sensor,” Ford defends, looking down at the sensor on his wrist. With Fiddleford’s help, he’d modified it to serve as a fully functional dive computer as well. “As for what it might be sensing, it’s hard to say for sure.”

“So much for highly advanced,” Stan teases, and Ford huffs. “That guy at the dive shop mentioned the reefs being a little sparse lately. You think that’s related?”

“It could be!” Ford agrees, perking up. “Reefs are very fragile, any disturbance due to our anomaly could upset the balance and have a significant impact on the richness and abundance of local species. That being said, the same fragility means that any number of other factors could have the same effect…”

“So… who knows?” Stan concludes.

“We will,” Ford says with that bright-eyed smile that he gets whenever he discovers something new. “Are you ready?”

Stan clips the last strap of his BCD into place, checks that everything’s tightened, and nods.

“Lemme check you over,” Stan says, and Ford rolls his eyes but nods.

At first glance, it was easy for most people to assume that Ford would be the more cautious twin. That was never really the case.

Stan looks his brother over as Ford does the same, making sure everything was strapped or clipped or held in place. He gives both of Ford’s air supplies a quick squeeze, making sure the loud burst of air didn’t cause the gauge to dip from just over 3000 PSI, and then making sure his watch read the same thing. He does the same for his own while Ford watches.

Once they give each other a nod of approval, Ford slips his mask over his eyes, adjusts the strap, and gives Stan a grin as he stands. It’s a little infuriating how easy he makes standing and balancing with forty pounds of steel strapped to his back look. Stan slides his own mask into place and stands up with none of the same elegance, steadying himself against the wall of the boat as he steps around the dive bench with clumsy flippered feet.

Stan is glad he insisted on installing a gate at the side of the boat because he’s not sure if he’d be able to pull himself up onto the wall to enter the water backwards like Ford had first suggested. As it stood, he clumsily waddles over to the gate that Ford had already opened and secured.

“I’ll enter first,” Ford says over his shoulder. “You can follow once I give you the sign, remember?”

Stan rolls his eyes, pressing his fingers to the top of his head to form an ‘o’ with one arm. Ford nods his approval, slips his air supply into his mouth, holds it and his mask in place with one hand, and takes a large step into the water. He lands with a heavy splash, and immediately turns to face Stan and kick away from the boat. Stan steps into place, hand on either side of the opening, and waits for Ford to give him the sign. He does so as soon as he’s a few feet from the boat, bobbing along with the gentle waves.

Stan checks himself over one more time, grabs his air supply, and slips it into his mouth. He fits the mouthpart between his teeth and takes a few puffs, double checks his gauge one more time. He holds his mask and air supply in place, lets go of the boat, and steps into the water.

The cold shock he always expects when entering the water never comes. According to his dive computer, the water is 80 degrees Fahrenheit, a fair bit warmer than most showers Stan has taken in his life. Even the 3 mm shorty wetsuit he’s wearing almost feels like overkill, which is a shame considering how much of a pain in the ass it was to wiggle his fat old man body into the damn thing.

Ford catches his attention by pointing at Stan, making an okay sign with his hand, and then pointing down.

‘You okay to go down?’ Stan translates, and gives Ford a thumbs up, before shaking his head and giving him an okay sign instead.

He swears he sees Ford smile around his air supply, eyes amused behind his mask. He confirms with another okay of his own, and pulls the dump cord on his shoulder to begin the descent. With a bit of a struggle that mostly consists of Stan flapping with the hand not around his deflator in an attempt to submerge himself, Stan follows. Ford is already a bit below him, following the mooring line to the bottom. Stan descends a bit more cautiously, clearing his ears all the while; he’s already lost hearing in one of them, he doesn’t need to do any more damage to the other.

By the time he hits the sandy bottom, Ford is already there, has adjusted the air in his BCD, and is squinting at his sensor. Stan puts a quick pump of air into his own vest, just enough that the pressure of the water stops pushing him into the sand. Ford catches his attention, gesturing with a flat palm to one side, towards what looks to Stan like a whole lot of boring open ocean.

Still, who is Stan to protest? He follows Ford without question, just like he used to.

Eventually, the flat expanse of sand slopes downwards into a steep cliff wall littered with coral and crevices, and Stan is briefly awed by the sight of it. The man in the dive shop had said that the reefs were looking sparse lately, but if this is sparse, Stan can’t imagine what one might look like in full swing. A small school of tiny bright blue fish weave behind a purple fan of coral. Below them, a massive grouper disappears into a deep crevice. In a dark cavern lined by coral, an orange fish cautiously peaks out at them with a massive red eye. A large school of greyish fish with yellow and blue tails circles above them, each individual nearly indistinguishable within the group.

Not for the first time, not even for the first time today, Stan thanks whatever higher power might be out there for letting him make it this far. For letting him live long enough to see all of this with his brother.

Ford continues to descend, and Stan checks the depth on his computer. He’s at 51 feet, and isn’t exactly dying to go that much deeper. It’s not that he particularly cares about following the rules of his certification, he just doesn’t want to use up too much of his air. He doesn’t have a good handle on his breathing yet, his lungs are fucked up from years of smoking, and he’s a pretty big guy. He doesn't want to have to tug Ford up to the surface before he finds whatever anomaly he’s looking for. He doesn’t want to ruin this for him.

So, at least for now, he keeps an eye on his brother from above. Ford doesn’t so much as glance up at him, flicking on his flashlight and shining it into each barrel coral and crevice he comes across. Even above him and unable to see his face, Stan can read the excitement carried in Ford’s every move. Stan isn’t nearly as fast as Ford once they really get moving, but he also isn’t stopping to shine his light into every little hole he comes across, so he keeps pace well enough.

And it’s not like he’s entirely distracted by his brother either; there’s too much to see all around him. Some round lump with a silvery sheen catches his eye, nestled amongst the algae. He barely stops himself from grabbing it, because he knows the lecture he’ll get from his brother if he does. A huge lobster wiggles some of its weird spiny mouth parts at him, glaring from the crevice it’s lodged in. A sea star’s long, hairy limbs tangle along the inner surface of a smaller barrel sponge. A small dark head of a wide-eyed fish darts into a hole in the coral before Stan can see much of it.

Everywhere he looks, there’s something to see. Stan isn’t often amazed by the beauty of nature— he fancied himself too cynical for that kind of crap— but even he’s left in awe. He swims a bit closer to the coral, trying to make sense of the tiny fish he saw retreating into it, when he sees something big moving out there in the open ocean out of the corner of his eye. He turns to face it, but he must have been closer to the rocks than he thought, because his tank bangs against them hand enough for the first stage of his regulator to jam into the base of his skull.

Ouch.

The thing that caught his attention is still too far away to make out beyond a long, dark shape. It almost looks like a massive eel, but even Stan knows eels aren’t typically out swimming in the open ocean.

Still, it’s big enough to leave him a little breathless.

Real breathless, actually. The next breath is a struggle.

Is he panicking? He’s never been the most in touch with his emotions, but he’s pretty sure he’s not having a panic attack or anything. Sure, big unknown creature squirming around in the depths of the ocean is kind of scary, but he knows they can handle it.

Another inhale, even harder than the last.

Okay, well, maybe he’s panicking a bit, but only because he can barely breathe. That’s an effect, not a cause.

So what is the cause? He checks his computer, meaning to confirm that he’s not that deep, but his eyes catch on the air gauge. He gasps a little when he sees how low it is, and it dips even lower, the arrow plunging to zero.

Fuck. Fuck. Okay.

He needs Ford. He needs to find Ford.

Stan glances around, gasping in what little air he can. For a brief, terrifying moment, he doesn’t see Ford at all, can’t make out the shape of him in the water, before finally, finally, he sees the dark silhouette of him below and ahead. He has his flashlight on, head buried in some crevice in the rocks of the cliff. He can’t be that far, but the distance seems insurmountable.

He tries to take another breath, but he can’t. He can’t.

He grits his teeth around the regulator— don’t take it out unless you have something better to put in— and kicks down towards Ford.

Don’t hold your breath, especially not while ascending, air expanding as pressure decreases, burst lungs.

Good thing Stan’s going down.

His watch beeps at him, warning him that he’s exceeding the maximum programmed depth.

Ford! He thinks desperately, staring at his brother’s back. That twin telepathy stuff is bullshit, and even if it wasn’t, it wouldn’t be strong enough to reach Ford when he’s so focused.

You lose air more quickly the deeper you go. Stan swears he can feel it being crushed out of his lungs. A dull ache grows between his ears, but he can’t stop and clear them, not when he can’t breathe.

He reaches out for Ford, but can’t quite touch him. His legs ache as he gives one final kick and his fingers press against Ford’s tank. They scramble uselessly against the metal, searching for something to grab onto, before he gets his thoughts together enough to follow the straps to his BCD and slide his fingers into the narrow gap where the curve of the plastic doesn’t quite meet that of the tank itself. He tugs Ford towards himself, or himself towards Ford, and scrambles to grab his arm and turn towards him. He can faintly hear a startled noise from his brother, one that would be amusing in any other context.

No air, Stan signals desperately. Ford’s expression is hard to read behind his mask, but he’s not doing anything. He knows, in an emergency, he’s supposed to rip the reg out of his buddy’s mouth, hand them their backup and let them figure it out, but he can’t bring himself to do it, not to his brother.

No air, Stan repeats, and finally Ford moves. Without bothering to unclip his secondary, he spits out his primary, rips Stan’s out, and all but shoves his own into Stan’s mouth and pushes the purge before he can suck in a lung full of water. Good thing too, because clearing it was the last thing on Stan’s mind at the moment.

He gasps. The dry air and faint taste of salt water has never felt better. He doesn’t even care that it was in his brother’s mouth seconds earlier.

He squeezes his eyes shut and breathes. Fuck. He loves breathing.

Ford grabbed him at some point, and he tugs Stan closer as he continues to gasp for breath. He hooks his elbow through Stan’s and pulls them shoulder to shoulder. Stan, for his part, just lets himself be manhandled. He doesn’t mind any of it, doesn’t mind anything at all now that he can breathe.

After a bit— Stan has no idea how long— Ford squeezes his arm with his other hand to get his attention. Stan reluctantly opens his eyes, and is relieved to see Ford has his secondary in. Shit. Stan didn’t even think about making sure Ford was alright.

He points at Ford’s chest before he can do anything and holds up an okay sign.

‘You okay?’ he asks his brother, cocking his head to emphasize the question. Ford looks so annoyed that Stan can see it through that mask and reg, and it’s another thing that would have been funny in any other context. He can particularly hear Ford say, ‘are you seriously asking me that right now?’

Ford nods with both his head and his free hand, before jabbing a finger into Stan’s chest and making an okay sign of his own. Stan mirrors the two part nod. Ford squints at him, and Stan curves his fingers back into the okay sign.

I’m okay, he wordlessly insists. For a moment there, he wasn’t sure he would be, but he’s okay.

Ford still seems unconvinced, but he gives Stan a thumbs up. Thoughtlessly, he mirrors the gesture before remembering what it means in this context, but it serves him just as well. He’d love to be able to breathe an entire atmosphere’s worth of air without worrying about the tank on his back or any of the hoses connected to it. He’s still not sure what went wrong, but at the moment he doesn’t particularly care. He can breathe for the time being, but Ford’s air tank won’t support both of them for long.

Ford pulls Stan even closer, and Stan doesn’t mind even as it drives Ford’s boney-ass elbow into his hip. It gives him the opportunity to check the gauge attached to his brother’s regulator, to see that it’s around 1700 PSI and not visibly dipping with every breath the two of them take. They’re also at 83 feet, well below what Stan’s basic certification covers. Oh well, he’s never followed any other rules, there’s no reason for this to be an exception.

They’ll be fine, Stan concludes. Ford looks down at his computer, and gestures to the side and slightly upwards. Stan can only assume what that means, but he nods either way. He trusts his brother. He’ll get them out of this. Thinking is a lot of work right now.

Nitrogen narcosis, part of Stan’s sluggish mind whispers. Oxygen toxicity, it insists.

The rest of his brain, even running at half speed, knows that he’s not really displaying symptoms of either of those. He was scared, and now he’s tired. He knows that as long as his brother is with him, he’s safe to shut down just a little. They aren’t out of the water yet, but they’ll be alright.

Blearily, he lets Ford lead the way. He kicks weakly at the knees in the exact way he knows he shouldn’t, but his hips hurt like hell. He refuses to ever believe it, much less act on it, but as usual, his brain tells him he’s too old for this shit.

Luckily, Ford has a lot more stamina than Stan, and more than makes up for his weakness and poor form. He’s also capable of navigating underwater, which is more than Stan can say about himself; he’s fine making his way through an urban environment, and he even got pretty used to the forests of Gravity Falls, but he only knew enough about underwater navigation to get his certification.

Before he knows it, they’re back at the mooring line. His watch beeps at him again, and as he glances at it, he sees a three minute timer start to count down.

Right. Safety stop.

They’re seventeen feet down. Ford’s computer tells him they still have somewhere around 1500 PSI. As much as he wants to be out of the damn water already, he lets Ford hold him in place, and nods when Ford taps his own computer and gives him a questioning ‘okay?’

Stan nods. Okay, he confirms, hoping Ford can’t see his reluctance.

2:37, his computer tells him, and Stan focuses on breathing steadily but shallowly, watching it count down the whole time.

It’s among the slowest three minutes of his life, but eventually it counts down to zero and lets out a little beep of confirmation. He looks over to Ford, who gives him the okay, and the two of them finally make it to the surface.

Stan’s hand scrambles blindly for the snorkel attached to his mask, and he eventually manages to tip it upright and tug the mouthpiece to him. He spits out Ford’s regulator, clears the snorkel with a wet puff of air, and breathes into that. It tastes, as expected, of saltwater, but it feels great to breath and not feel like he’s stealing the air from his brother's lungs.

He glances around, and finds the Stan O’ War II waiting for them a few yards away, just where they left it.

“Are you alright?” Ford calls. His hold relaxed once they hit the surface, but he’s still gripping onto Stan’s hand like a bear trap. His other holds his snorkel at the ready, but he seems more worried about Stan than he is about the seawater splashing into his big dumb mouth.

Stan rolls his eyes, gives him the okay sign with his free hand, and gestures towards the boat. Ford mumbles a confirmation, puts his snorkel in, and begins kicking his way towards it, dragging Stan along with him. Stan tries his best to carry his own weight, but he feels like a kid doggy-paddling next to an Olympic swimmer.

They make it to the boat easily enough, and Ford reluctantly releases Stan in favor of the ladder. He plunges his head into the water, and Stan is briefly baffled before he resurfaces moments later with his fins around either wrist. He glances over at Stan one more time, as if worried he disappeared the moment he looked away, before he starts making his way up the ladder.

It’s far from effortless, but Ford manages to get up with little issue. From above, Stan can hear the loud clang of Ford’s air tank hitting the deck, and he winces at the thought of the dent it must have left on her.

He can barely manage to tilt his head up far enough to see Ford above him, his neck aching and the first stage of his regulator digging painfully into the back of his head, but at least he can see his brother above him. Now he just needs to get to him.

He takes a deep breath that feels like it’s mostly sea foam, and clears the remaining distance between him and the ladder.

Stan hooks his arm through the first rung above the water and braces one foot against the hull. He awkwardly contorts himself to grab at the other foot, slick, wrinkly fingers scrambling at the easy-release buckle at the side of his fins. His arm shakes with the strain, and even through the snorkel, it feels like he's breathing in mostly water.

Finally, he releases the buckle of one of his fins, and barely manages to loop his fingers through it before it slips off into the water. Now that it’s off his foot, it’s easier to latch the buckle again and slide it over his hand, keeping it in place as he shifts his aching body to grab the other.

“Brace!” Ford calls from above, and Stan does so without question, pulling himself tighter against the boat and holding his breath as a large wave sweeps over.

Once it clears, Stan scrambles to get his other fin off and pull himself further from the water. The relief of being mostly out of the water is undercut by the sudden weight of the tank on his back. Without the buoyancy the water provided, Stan’s legs nearly buckle beneath him.

Ford calls something to him, as loud and clear as he always talks, but Stan can’t quite catch it. All he knows is that it’s too long to be another call for him to brace.

“Throw up your fins!” Ford tries again, slower this time, louder.

He sounds impatient, but Stan knows he’s just worried.

Probably.

Still, he wiggles his fins off his arms as quickly as he can, and tosses them weakly up towards his brother.

Ford catches them with ease, and drops them on the deck without a second thought. The removal of a few extra feet of plastic around his arm helps some, but climbing the ladder is still a slow process.

They’ll have to add some traction tape to the damn thing next time they get a chance, Stan thinks as his foot slips against a rung yet again. As long as he doesn’t fall backwards with his feet caught between a rung— something that has happened to him at least once on land— he’ll be fine. Slow and steady.

“I’ve got you, Stanley!” Ford calls, and the weight of the tank on his back suddenly begins to lift.

With that, Stan scrambles the rest of the way up the ladder, all but crashing into Ford once he's on the deck. Luckily, Ford manages to keep his footing and shove Stan back into the bench. His legs buckle at the slightest pressure against the back of his knees, and the tank ends up landing in the right place by sheer luck.

Before Stan can even raise his hands to do so himself, Ford is unbuckling and loosening his BCD. Just as that registers, he pries off his mask as well, tossing it beneath the bench and out of the way. Stan just lets it happen, blinking blearily at the blurry figure of his brother.

Ford mumbles something to himself that Stan has no chance of hearing over his own coughs.

“You okay?” Stan slurs, mouth struggling around the words. He feels like his teeth are still locked around Ford’s regulator.

Ford huffs in the bitchy little way he so often does.

“I’m fine, I’m not the one who ran out of air approximately 27 minutes into our dive.”

He doesn’t mean it like that, a kind, logical part of his brain tells him, a part that was created recently and gets a bit louder every day.

Way to fuck it up, knucklehead. You saw that thing, but you had to ruin everything before Ford even caught a glimpse of it, another part says, loud and familiar. You should have stayed down there.

“Well sorry,” Stan says, thick with sarcasm even though he means it.

“You—“ Ford huffs, cutting himself off. He runs a hand through his soaking wet hair, and then immediately shakes off the sensation with a grimace.

And then he turns around and retreats into the cabin, leaving Stan, soaked and aching, alone on the deck.

Shit. He really is angry, huh. When they really, seriously fight, Stan tends to pursue, to hurt the other party before he can get hurt but Ford, Ford retreats. He doesn’t do it out of fear or even an unwillingness to argue with his brother— everyone who’s been around them for more than five minutes knows how much they both love to squabble— but because he needs to cool off before he says something he regrets. The thing about them being twins, despite all the time apart, is that they still know, almost instinctively, exactly how to hit where it hurts.

If Ford’s retreating, he felt, in that moment, like he wanted to hurt Stan.

Shit.

It’s not like it wouldn’t be justified. He’s not sure what he did wrong down there, but he did something that ruined the dive for him. That would be bad enough on its own, he saw how excited his brother was just being down there, but there was an anomaly. Potentially a very dangerous anomaly that’s having a negative effect on biodiversity or some crap. And Stan tore him away from that.

His brother wanted to share this with him, and he ruined it.

He wants to get up and pace out his frustrations, but his legs ache. His head pounds painfully with each rapid beat of his heart. The wind can’t be that cold, but soaked and alone, it has Stan shivering.

Get up, get dry, fix this, Stan tells himself.

He doesn’t move. His pruny hands, still dripping saltwater onto the deck, clench into useless, shaking fists.

Get up, Stan insists, fix this.

Diluted by sea water, blood trickles lazily from a scrape on his calf. He has no idea when or how he got scraped, but he didn’t feel it then and he doesn’t feel it now.

Get up.

Despite everything, his throat feels dry enough to hurt.

Get up.

Saltwater is running into his eyes from his wet hair, stinging with each blink. He can’t even manage to lift his arm to wipe it away.

The door to the cabin swings open, and it’s like a switch is flipped as Stan finally stands. His legs shake beneath his weight, and the gentle rocking nearly sends him right back down to the bench.

“Stanley!” Ford scolds. He’s stripped out of his wetsuit, just wearing his swim shorts and a towel around his shoulders. He has his actual glasses back on, and his hair is dry enough to no longer be dripping at least. Another towel is draped over his arm, hand holding Stan’s glasses.

Oh. So that’s where he went. Obviously. The scared animal in Stan’s chest reluctantly settles.

“Sit! Sit down!” He fusses, and Stan can’t even be mad about his brother insisting on undoing all his hard work. Sitting down is better than collapsing on the deck in front of Ford.

“Get out of your wetsuit, you can’t be comfortable,” Ford says, and Stan can’t really argue with that. He reaches for the zipper on his back, and Ford flits over in an instant to unzip it himself with a, “Oh, let me help.”

Stan stills, just to make sure Ford doesn’t intend to do anything else while he’s still standing over him, but he just gives him a quick once-over and nods, before turning his attention to Stan’s BCD.

Stan leaves him to it, and begins squirming, wiggling, and writhing his way out of the shortie. Once it’s off and in a wet heap by his feet, he pulls his hair out of the tight ponytail he had it in, and starts scrubbing it dry. As much as he likes growing out his hair, but it’ll be a pain to brush it later, and it’s a pain to dry it now.

Ford says something beside him, and Stan stops scrubbing and lets the towel fall around his shoulders. He slides his glasses on to see Ford is staring at the first stage of his regulator with a look somewhere between horror and rage. Stan follows his gaze, and sees that it’s not quite sitting on the tank properly. He’s amazed that neither of them noticed it leaking, because it must have been the whole time.

“Stanley…” Ford says, and that expression settles into guilt.

It’s a look Stan seems to be on the receiving end of more often than he ever expected. Every time Stan has a memory lapse, every time he remembers something unpleasant, every time he references some unsavory part of his past, Ford looks at him like a kicked puppy. He might not directly apologize every time, but he’s done it often enough. Too often, Stan would argue.

He just doesn’t know why he’s doing it right now.

“Stanley, this is all my fault, I… I must have screwed it on wrong, or perhaps I didn’t tighten it properly, I didn’t even check your air supply properly, I let you test your own regulator, and I thought I was watching, I thought it didn’t dip, but it must have been leaking the whole time and I just didn’t notice, this is all my fault and I’m so sorry,” Ford says breathlessly, running his hand through his hair and tugging. “And I shouldn’t have swam off like that, I didn’t even check if you were following once I reached the shelf, I should have stayed close, how long were you without air? No, it doesn’t matter, it was too long, and you had to go so deep to get to me, Stanley, I’m so sorry.”

“Quit it, Poindexter,” Stan huffs, swatting at his wrist. Ford lets go of his own hair and starts shaking out his hand instead, like a cat with a piece of tape stuck to its paw. “I checked my air, it was working fine before we got off the boat. Hell, it was working fine until…”

Stan shifts towards his regulator, now laying on the bench beside him. The knob on the first stage is scraped up, plastic torn, and he holds it out for Ford to see.

“I bumped it against some rocks while I was turning. It must have gotten knocked out of place.”

“It shouldn’t have gotten ‘knocked out of place’ so easily! It must have been to lose in the first place, ergo, it’s my fault,” Ford insists. “I could have killed you with my negligence, Stanley.”

“But you didn’t,” Stan argues. He can’t definitively prove that Ford had attached the first stage properly, and yeah, if he didn’t and that was his fault, that would suck, but Stan was alive. Sore, exhausted, and a little rattled, but alive. They both were.

“But I could have,” Ford repeats.

“And I could throw you off the boat right now,” Stan dismisses, leaning back and waving a hand lazily.

Ford frowns and straightens up into his usual haughty posture.

“… I doubt it,” Ford says, which is as close as he’ll get to admitting defeat in their prior argument.

“Totally could,” Stan mumbles, and then louder, “whatever. Doesn’t matter. The point is, even if you did fuck up, we’re fine.”

“Are you fine?” Ford asks, staring at him with wide, worried eyes.

“Yeah yeah yeah, I’m fine,” Stan dismisses. “I’m aching like hell but when am I not, am I right?”

Ford frowns at him, but nods anyway.

“I… I truly am sorry, Stanley,” Ford says, soft and painfully genuine. “Regardless of my own role in its failure, this is not how I wanted our first reef dive to go.”

“Yeah, it wasn’t great for me either, but that’s just the way that it is in this bitch of a world,” Stan says, shrugging. His neck jolts painfully. “It was pretty cool before it all went to shit, though.”

Ford smiles slightly, his eyes flashing with that bright-eyed nerd look he gets sometimes.

“It was, wasn’t it? I dove off the coast of Oregon a few times, even explored the Gravity Falls lake once or twice, but neither could even compare. Even if we didn’t find whatever set off my sensor, it was worth seeing,” Ford trails off, his hesitant smile dying on his lips. “Or, it would have been, if I hadn’t nearly gotten you killed.”

“You’re gonna have to try a lot harder than that if you want me dead, brother of mine,” Stan snarks, elbowing Ford in the ribs.

“I don’t!” Ford protests, offended at the mere idea. “I don't want you dead at all!”

“I know, I know,” Stan says, “you care about me or some crap.”

“I do,” Ford agrees, painfully genuine. “In fact, I care about you so much that I’ll let you take the first shower.”

“I just started to dry off,” Stan grumbles, just to be an ass.

Ford is, as expected, not especially sympathetic. He gently helps Stan to his feet and escorts him down the stairs into their tiny bathroom. Stan wishes he was more upset about the babying than he is, but as it stands, his shaky legs definitely appreciate the support, even if he’d never admit it out loud.

“Holler if you need anything, okay?” Ford says, lingering awkwardly in the doorway as Stan shrugs off the towel Ford brought him. It’s one of the thin ones that dries real fast, and there’s a proper bath towel waiting for him on the closed toilet.

He waves Ford away with a dismissive grunt, and he closes the door as he finally leaves.

The rest of the day proceeds in a similar fashion, with Ford only leaving Stan’s side to fetch things for him. It’s always like this every time Stan gets hurt or something goes wrong, has been ever since the damn memory gun. He can’t even enjoy having someone at his beck and call when that someone is his brother and he looks so damn guilty the whole time.

“C’mon Ford,” he says, tugging his brother down to sit beside him as he settles in to watch tv. “Relax for a second, will you?”

Ford sighs, but sits down beside him and, as usual, shoves his feet beneath Stan’s legs. He can be touchy about being touched sometimes, but he does like the reassurance of having some form of contact. Usually, it’s brushing elbows or butting his head against Stan’s shoulder or shoving his cold little toes under Stan’s thighs when they sit next to each other. He wasn’t always like this, but Stan has gotten used to it.

“I’m okay, got it?” Stan insists, tilting his head to butt it gently against Ford’s.

“… got it,” Ford says softly.

He repositions himself to settle into Stan’s side, resting his head on his shoulder. His hair is still slightly wet; his thick curls don’t let go of moisture easily, especially not in this humidity, but Stan doesn’t mind as much as he’s sure Ford would if their positions were reversed.

His need for reassurance seems to have overcome his general aversion to touch, and Stan is happy to oblige, even if that means being stuck on the couch for a few hours after he would have preferred to go to sleep because Ford passed out on his shoulder.

[ladypiscesmoon]

year ahead Armie Hammer (personal year card: The Hermit

Ask me anything that needs to be clarified)

What has Armie to release from 2024:

Bluebell fairy: (mistakes happen when you're not clear-minded. Forgive. Step forward in a lesson learned and know that you can achieve more wisdom as a result. Forgive yourself and move on with the lessons learned.) Doorway to fairyland (lift your spirits after you were held back in life. dream and view the world from a different perspective. That way you expand your mind and develop your imagination) Armie's is aware of the need to move on, but he cannot always see the way to go. It's time to release the past.

Overall 2025 (Feeling)

Camel (trust that you have the resources to get through the challenges before you) Sometimes it looks like the journey he's on is like crossing a desert with no end in sight. But he has to think about how far he's come already. He has to identify where he wants to go and proceed slowly but steadily, toward his goal. He's got to cast away his fears, doubts and hesitations. Ease his mind and heart. He will get through this, like he got through other challenges.

Walrus (remain vigilant about the current situation; pay attention to signs and omens and let them dictate your choices)

He's got to ask for specific signs to show him the way in life purpose, relationships and career, or even everyday concerns. He's got to allow his thoughts to flow (like meditation) and he'll pick up the signs and clues, maybe in lucid dreams. Trust these signs.

222 Alignment (how do you move forward toward your life's true calling? Do what makes you happy. Your enthusiasm is what's keep you going. Follow your interest if it's piqued by something. Following these routes will help you discover your life's purpose)

222 means good fortune in finances, relationships and career as well as a reminder to work towards your soul's purpose. For singles it's considered as a sign a true love is coming or that your soulmate is near

0606 Commitment (applying honesty and light daily is a fast track to creating a peaceful and meaningful life. It's how you find solutions and comfort. Release worries by speaking your truth and expressing emotions regularly. Open up for the best is yet to come)

The double zero's in 0606 emphasize a sense of commitment. For twin flames there's an underlying equilibrium and cosmic plan. The combination f the 0 and 6 suggests a focus on spiritual awakening and enlightenment. Twin flames encountering 0606 may interpret it as an invitation to delve deeper into their spiritual journey during the time of separation. Despite physical or/and emotional distance there's a stable equilibrium in the cosmic orchestration. The twin flames have to channel unconditional love. They have to express love that transcends physical boundaries understanding that their connection is timeless and eternal. With everything Armie has gone through in the last years, he's a lot further on his spiritual journey than his twin flame. The twin now has to catch up and they can reunite. I think Armie could be teaching his twin flame a lot.

Overall 2025 (Lenormand)

The heart( love, romance, infatuation, art, beauty, joy of life), the man(the significant card for a man, the partner for a woman), the coffin(death, endings, mourning, transformation, manipulation) The book(secrets, hidden knowledge, keeping a secret), the snake (lies, deceit, misguidance, illusions, chaos, temptation, seduction, cunning), the ring(relationship, marriage, cooperation, togetherness, cycles) The stork (change, movement, beginnings, flexibility, changeability, moving house), the whip (strife, fighting, argumenfsdebate, perseverance, competition, energy), the ship (travel, a journey, finances, navigation)

Combinations and thoughts: (they read like a sentence) -A loving man, a desirable man, a flirty man, transformation (new beginning) in a relationship -Backstabber is discovered (people not liking this relationship) -Secret commitments (trying to have a private relationship) -Hiding a ring (maybe having a symbol of this love, but hiding it) -Repeated change -Thinking about moving (could be overseas or out of country)

Overall 2025 (LOVE)

Abundance (keep a positive mindset, manifest exactly what you want, gratitude, bliss) The snake (competition, energy, clever, malicious, look over your shoulder, the other woman) Boat (receiving what you need, closure, progression, arriving, moving on from issues)

This seems to be a better year for Armie in love. Some people will not like him having found love though. But as long as he doesn't let him influence him, he will be fine. There's always someone jealous, or hateful or disappointed. As long as he's happy he should go after what he wants

Overall (CAREER/MONEY)

2 of swords (at a crossroad, avoiding the truth, tough choices) The star reversed (hopelessness, boredom, uninspired)

Career: stalemate, conflict at workplace, lack of motivation, pessimism about work Money: difficult or unpleasant decisions as well as an inability or refusal to face reality. Not quite what he hoped for his financial situation. Trying to save up money. He has fought a lot to get back a resemblance of his earlier career. He would very much like to provide for his children. Some of his thoughts are very traditional, but he should know that he's come a long way. Even if this year may have a bit more of a stagnation in his career, its doesn't mean it will always be like that. It may also be that he's feeling inspired in the roles he gets, or filming is not as satisfactory as it was for him. He might still think about another direction, or a combination of things. I still see him writing or producing

Overall( HEALTH)

8 of cups: (abandonment, walking away, disappointment) 4 of cups reversed (gratitude, focus, seeing opportunity) overload/excessment/obligation/overwhelm

Your environment and your way of thinking has negative effects on your health. Don't worry about things that are out of your hand. You will re-energize and upbeat in a healthy context if you go with the flow

Month for Month

January

The tower reversed (fear of change, avoiding the inevitable, liberation) Death reversed (resisting change, inevitable endings, stagnation) Citrine: abundance in creativity and healing as well. Armie has to let go of his fears. They bring him stagnation and delay in being truly happy.

February

Queen of coins (mature, successful, practical) 3 of wands reversed (returning home, holding on to the past, unhappy with choices) Snowflake obsidian: inspiration, ideas and talents In the last years Armie has kept hidden, nurturing and protecting his own creative ideas and projects. He feared change and was avoiding it. It stagnated his own process. He is going to change that. He already started it with his podcast, but we will see more examples of his brilliant mind (and he's funny too. Love that man)

March

4 of swords (mental overload, sanctuary, solitude) 10 of coins (inheritance, financial security, family) Calcite: more vitality and enthusiasm for life This month there will be an increase in finances, but also he will find someone to express more of his ideas and feelings. He will need a bit of solitude, to think some things over.

April

9 of swords (depression, intense anxiety, feeling hopeless) Strength (courage, overcoming, control) Kyanite: Pay attention to your intuition, rather ingenious idea will surface that will radically change your views on life, especially your career. Strangely enough it feels like Armie will be helping someone to make some decisions, especially on the subject of career. This will drastically change this persons life. So it doesn't have to do directly with Armie's career in this month, at least it feels like it to me.

May

The chariot reversed (lack of direction, aggression, powerlessness) Knight of cups (Chivalry, hopeless romantic, idealistic) Petrified wood: a magical transformation is about to occur through an unexpected turn of events. It's the result of the strength and commitment you have long shown to something. Many who have, until now either ridiculed or attempted to discredit you, will all of a sudden want to jump to your side. Long time there was stagnation and hopelessness in Armie's life, but the times are changing. Also, a very romantic month for him.

June

King of swords (intelligent, head over heart, logical) 3 of cups (Parties, indulgence, happiness) Rhodochrosite: We all have negative and positive aspects in our characters either currently or in the past. Taking the person he loves as they are, loving them with their vices and their virtues, seeing them for the human that they are. Forgiveness.

July

6 of cups reversed (growing up, childhood issues, letting go of the past) The devil (vices, temptation, manipulation) Molybdenite: There is nothing you have to fix or change in your life. Start to accept all of who you are. All is in perfect divine order. Accepting who he is, will all his vices and virtues. Letting go of the past.

August

9 of cups (dreams come true, satisfaction, abundance) The emperor (dependability, authority, structure) Gold with Quartz: a newfound sense of joy Feeling on top of the world, basically

September

4 of wands reversed (feeling unwelcome, family issues, animosity) 8 of sword reversed (self-acceptance, seeing Cleary, release) Pyrite: feeling emotionally imbalanced, because you have yourself allowed to believe another's critical judgements of you Feeling insecure, but someone having your back means you remind your strength. Let people judge, they will always do it, no matter what you do.

October

knight of wands (fearless, risk-taker, free spirit) 2 of cups (mutual respect, love, equality) Aquamarine: in this period greater empathy and insight is necessary. Someone loving him and having his back. It gives him strength and makes him feel free

November

Ace of coins (financial opportunity, prosperity, manifesting money) Page of coins (young but grounded, solid beginning, strong foundation) Amber: something that's causing friction and tension comes to a head I feel like there will be a financial setback or something, but the person in his life that loves him is helping him through it

December

2 of wands reversed (doubt, fearing the unknown, being restless) The high Priestess (sacred knowledge, divine feminine, unconscious mind) Sodalite: keep your calm. Meditate, keep the dream alive. positive confirmation If he wavers and feels restless, he has to find ways to unwind, and nurture himself. He has come a very long way.

*This reading is alleged and for entertainment purposes only*