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666writingcafe · 7 months ago

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Top Secret!!!!!

A Group Chat Involving Everyone but MC and Luke

Solomon: It's nearly time for me to give MC their preliminary exam. How many stars is MC up to?

Mammon: you serious, bro????

Mammon: you haven't kept track of mc's stars????

Mammon: old man alert

Satan: Four.

Solomon: Thank you, Satan. What other three virtues have been rewarded?

Diavolo: Gratitude from me.

Simeon: Patience from me and generosity from Luke.

Solomon: So, chastity, diligence, and humility remain. I was thinking of having us play Tail Thieves.

Asmo: I love you, Solomon, but no.

Solomon: What's wrong with Tail Thieves?

Asmo: One, it's a childish game.

Lucifer: ^

Asmo: Two, do you not remember how MC behaved the last time you tested them? They were BORED OUT OF THEIR MIND, and it impacted their performance as a result.

Beel: That's true.

Asmo: Any twists you come up with are going to be too predictable.

Solomon: *glaring crow sticker*

Solomon: I'm SURE you have a better idea.

Asmo: I do, actually.

Asmo: It involves testing their chastity.

Solomon: Go on...

Asmo: We'll seduce them.

Mammon: that's a stupid idea!!!!

Levi: youre just saying that because youre jealous

Belphie: *laughing emoji*

Beel: *gif of someone doing a spit-take*

Asmo: I'm being serious.

Asmo: During their last stay in the Devildom, I managed to charm them, which gained me access to their deepest desires.

Asmo: They have fantasies involving all of us. Tempting them with those will be the ultimate test of their chastity. If they're able to resist, then they earn the star.

Lucifer: That's actually a well thought-out idea.

Barbatos: ^

Diavolo: ^^

Solomon: *glaring crow sticker*

Solomon: Fine.

Solomon: Who's participating?

Levi: mammon and i are out

Mammon: speak for yourself!!!! the fuck???

Levi: if this is meant to really test mc then everyone has to commit to the bit and you and i both know that youd tap out the minute mc looks at you sideways

Mammon: *glaring crow sticker*

Levi: while ive gained some confidence i still wouldnt be able to maintain my composure long enough to complete something like this

Asmo: I will provide the necessary information, but I myself will not be seducing MC, as much as it pains me to say.

Satan: Of course it would pain you to say that.

Asmo: *eye roll emoji*

Solomon: Do you want to judge with me?

Asmo: I mean, I kinda figured we would, so...

Barbatos: My participation will depend on what I'm meant to reenact.

Asmo: Are you afraid it would conflict with your duties?

Barbatos: Yes.

Diavolo: Well, if you're worried about me stopping you, don't. It wouldn't be fair of me to expect you to sit this out if I'm planning on participating.

Mammon: WHAT??????

Levi: bro

Levi: he literally jumped out a castle window to be with mc

Levi: he's THIRSTY

Belphie: Unfortunately.

Asmo: Not to be the bossy brother, but Lucifer, you aren't allowed to back out.

Lucifer: Wasn't planning on it. I know where I stand in MC's mind.

Satan: You know, I think I might chill with Mammon and Levi. I thought about joining in the fun, but I don't think I have it in me to see things through.

Satan: And before anyone chimes in, no, it's not because Lucifer confirmed his participation.

Belphie: We know. If it was, you'd be trying to one-up him.

Satan: Thank you, Belphie. I TOTALLY wanted that out there. *eye roll emoji*

Beel: I'm in.

Belphie: Quick question: would it be fair of me to participate?

Asmo: Actually, you'd be PERFECT for this. You can argue that you know MC more intimately than ANY of us. You'd know what buttons to push to make them really sweat.

Belphie: Okay, cool. I'll do it, then.

Simeon: Me too.

Levi: lol what

Mammon: ayo, do you even KNOW how to seduce someone, simeon?

Simeon: How do you think I'm able to write some of the scenes in TSL?

Levi: well okay then

Solomon: So, to confirm: Lucifer, Beel, Belphie, Diavolo, and Simeon are definite participants, Barbatos is a maybe, and Mammon, Levi, and Satan are sitting this out?

Nine people liked Solomon's message.

Mammon: the three of us can keep an eye on luke. we can either help him run the cafe or take him out someplace fun.

Levi: you know you seem awfully chummy towards luke lately

Mammon: we bonded during our fairy hunt.

Asmo: Then that settles it. Solomon and I will meet with the volunteers for further discussion.

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mostlysignssomeportents · 6 months ago

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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 @[email protected] says, Elon Musk is what Howard Hughes would have turned into if he hadn't been a recluse:

https://mamot.fr/@[email protected]/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

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dummy-dot-exe · 10 months ago

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Erza by Isaac@isaacCHIEF300

#Erza Scarlet #Fairy Tail #armor #weapon #sword

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urlocalwhumper · 1 year ago

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living weapon whumpee who's never known anything but pain and violence.

their existence hurts. they were made to be effective, not happy, and their masters decided that keeping them in constant pain provided better results. they're wilder, more unpredictable, and the pain keeps them from thinking straight enough to question anything.

they're only given painkillers, only allowed a respite from their seemingly endless suffering, after a successful mission. it keeps them loyal, and most importantly, teaches their brain to associate acts of violence with relief and rewards.

everyone they've ever met has treated them as a tool, a monster, or both. they don't know how to be anything else.

that is until they're rampaging through a village, destroying, killing, whatever their masters demand of them. whatever will give them a few blissful hours of numbness.

one of the villagers steps out of a ruined building and looks them straight in the eyes. whumpee expects fear, hatred, disgust, the things they see in the faces of every person who's ever crossed their path. but they see something completely different.

compassion.

whumpee is so stunned, they don't think to move or do anything at all as the villager steps closer, gently reaching out a hand to cup whumpee's face.

"oh, poor thing." they murmur, taking in the creature in front of them - part human, part animal, part machine. "they've done a number on you, huh?"

whumpee blinks at them. pain continues to course through their body, but the gentle hand on their cheek distracts them, even if just a little. all the indistinct noise in their foggy, addled mind finally goes quiet.

caretaker had stepped out in front of the being destroying their home with the intention to get through to it or die trying, and the expectation to absolutely die trying.

they did not at all expect the seemingly feral mishmash of metal, fur, and flesh to lean so heavily into their touch that they nearly collapsed into caretaker's arms.

#whump #whump prompts #nonhuman whumpee #living weapon whumpee #mine #chariot shiori on the brain tonite #the intention here is for whumpee to be this genetically engineered fusion of human and animal #the general build and anatomy of a human #but they grow fur on their limbs and partially up their back. they have an animal's sensitive ears. sharp canine fangs and a prehensile tail #and beyond that they've been outfitted with machine 'enhancements' to make them better suited for combat and destruction #and they've never experienced a kind touch in their life #letting them feel comfort will make them crave it. 'not actively suffering' should be the best they can strive for #their masters never anticipated that having someone treat them with anything other than revulsion or detatched indifference would break them #bc they banked on no one showing positive reactions to the monster that destroyed their homes and potentially killed their loved ones #caretaker is just crazy <33

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