#avoid repossession

[finance-south-africa]

How to Keep Your Home: Real Steps to Stop Repossession

Steps to Stop Repossession

Nobody ever wants to imagine losing their home, but for some, it can become a scary possibility. The idea of repossession can feel like the ground shifting under your feet. But don’t lose hope—there are ways to fight back and protect your house. This guide lays out practical steps you can take to potentially stop the repossession process and find some much-needed breathing room.

What Does Repossession Mean?

In simple terms, repossession happens when a homeowner falls behind on their mortgage, and the lender takes back the property. It’s a step-by-step process that starts with missed payments, followed by warning letters, and eventually ends in a legal move to sell your house to recover the debt. If you’re facing this situation, knowing these steps can help you act before things spiral out of control.

For a deeper dive into what repossession looks like in South Africa, take a look at our article on how foreclosure works.

What You Can Do Right Now

Reach Out to Your Lender This isn’t the time to hide from your lender—reach out as soon as you sense trouble. Let them know what’s going on, be honest about your circumstances, and ask if there’s any way to reduce your payments or stretch out the loan period. Most lenders would rather negotiate than deal with the costly and lengthy process of repossession.

Look at Repayment Options Once you’ve opened up communication, discuss repayment options. Some lenders might agree to reduce your payments for a few months or modify your loan to make it more manageable. Want more insights? Read our piece on managing debt effectively for some solid advice.

Bottom Line

Dealing with repossession is no fun, but there’s a way through it. The key is to act quickly, communicate clearly, and be open to different solutions. And remember, Real Estate Assist is here to guide you through the maze and help you hold onto what’s yours.

Real Estate Assist specializes in stopping repossession in South Africa

[sapphicautistic]

I am literally the bravest ever for being at the doctor office rn

[bee-a-ts]

this is such a niche, usa-based rant but I work at a credit union and I keep encountering people who have taken out a loan, have issues with what they purchased with that loan (in my case, usually solar panels), then decide they will not be paying the loan back because the product they purchased doesn't work. and it's like

I get it!! capitalism is hell and our financial landscape is broken!!! unfortunately you borrowing money from the bank has nothing to do with what you purchased not working and that does suck but you still have to pay your loan!!

i'm talking to these people who are six months past due not because they can't pay but bc they're mad at the solar company and i'm trying to explain if they don't make payments, the loan will have to be charged off and sent to collections and legal action will be taken at that time and they're like fine! take me to court! my product doesn't work! and I am on my knees begging to work with them because I know they have no legal standing and they are about to be ~very unhappy~ when they lose that court case because borrowing money has nothing to do with how you spent that money!!!!!

[insanethrottlebikernews]

MY MOTORCYCLE IS BEING REPOSSESSED

#HARLEYDAVIDSON #HARLEYS #MOTORCYCLES There are not enough people to repossess all the motorcycles. That was the message from Harley-Davidson Inc., which said Thursday its credit losses in the first quarter were due in part to a shortage of repossession agents.  The repossession industry is seeing an uptick in demand as more Americans struggle to afford their car payments. And companies that…

[piracytheorist]

So about that grenade pin...

On first glace, this is certainly a top-notch proposal scene. A spy and an assassin, who are hiding their identities from each other, arranging their marriage for mutual benefit while fighting criminals, and the proposal ring coming out of a grenade pin, followed by an explosion from said grenade behind them? It's so absolutely badass and fun and as wacky as the story goes.

But I also like over-analyzing this story and making that everyone's problem, so I would like to share with you my thoughts on the symbolism of that gesture.

1. It's unconventional.

Twilight's original plan was to use the diamond ring from the repossessed artifacts to propose to Yor. In his mind, he wanted to create a family that's as conventional as it gets, in the hopes that it won't attract too much attention. Losing that diamond ring is a sign by the narrative that there was actually no chance this family would be anything but extraordinary. A grenade pin is not only unconventional for a proposal ring, it's also the result of impulsive thinking, of using what he has on hand.

Over time, this family will cause Twilight especially to act more impulsive than he's used to. All three of them will also be able to be themselves within this family, without putting any acts - Yor has already started feeling more confident than what she started as. There won't be any need for fancy diamond rings, or for any part of the family to be the perfect husband, wife or daughter. They will feel free to be themselves and know that they won't be judged for their secrets.

2. It represents the life of violence both Twilight and Yor are living.

Being in dangerous situations, protecting themselves from such dangers, and killing people is by now second nature to both of them. Throwing a grenade at a group of thugs after them is nothing out of the ordinary for them. It's very fitting to connect that with the thing that brought them together - the mutual need for a cover spouse.

But it also represents a truth; Twilight lies to Yor about the reason why he's being pursued by murderous thugs, and Yor lies to Twilight about how she became so good with self defence tactics. There's a TON more violence in their lives than they let on. The grenade ring is kind of a symbol of all that violence they're hiding from each other, and almost like an admittance of it, from the narrative at least.

3. Despite its catastrophic nature, it's a gesture of defence.

Twilight might have stolen back the stolen art pieces, but getting shot at by the first thieves was not a fair retribution. Plus, they weren't shooting just at him, they were also shooting at Yor, without knowing for sure whether she was an accomplice or not. She did kick a few of them unconscious but neither that nor taking the art pieces back guaranteed the death penalty. So he was acting out of defence when he threw the grenade at the people shooting at him AND Yor. Yor, on her own, only attacked a thug when she saw he was directly targeting Loid, so she was also acting in (self) defence.

And this parallels the reason behind their motivation for their jobs; Twilight wants to stop a war from happening and to avoid all the pain and casualties brought by one, and Yor wants to stop violent people from causing pain to her family or other innocent people. It is dirty work, without any consideration of their own innocence and well-being, but it's one they do for someone else's peace and safety.

That's what that grenade did. It killed the thugs, but it kept both of them safe.

4. They match each other's freak.

I don't think I need to point out how downright wacky it is for someone to propose with a grenade pin. We joke like "If my significant other doesn't propose to me like this they shouldn't even bother" or something, and it's a good joke, but in reality we would be horrified to see someone pull a pin from a grenade, throw it at a group of people, then propose to us with that same pin while those people are being blown to pieces right next to us. We would also be horrified at the prospect of us being the person to pull the pin and propose like that.

Yet neither Twilight nor Yor find any of this weird in the slightest. Twilight doesn't hesitate for a second to use the pin as a proposal ring while he's reciting his vows to her, and Yor accepts it wholeheartedly and even looks at him with admiration, not even worrying about the fact that this near stranger is holding her hands in his - a kind of proximity that would normally cause a violent reaction from her.

Not only is neither of them weirded out by the whole situation, not only do they not suspect the other might find this whole thing weird... their inner thoughts even match here. Cause the main feeling in that moment, for both of them, is a kind of relief that their plan for a cover spouse was successful, much faster and much easier than anticipated, and a security that they don't have to fake their feelings to each other. Until Twilight's mission and Yor's real job do them part.

I can't be certain how much of all that was intentional, but it was fun looking for what that grenade pin could symbolize. And I'm always down for an excuse to go meta on this story :D

(anime only here, don't spoil me for the manga)

[up-side-in-side-out]

Monster high (sort of) AU!

Explanations under cut!

Kyle is the MC! He died the night of his school dance and was resurrected years later by Ike. Kyle doesn’t realize he’s dead for awhile, it takes him till he sees the school to know there’s a whole monster society.

Ike is Kyle’s sort of creator. The boy is an orphan who wanted to create his own family. He made Sheila and Gerald first, then used Kyle’s corpse to make himself a brother. Ike forgot to wipe Kyle’s memory though, so Kyle reanimates remembering everything from his human life. Kyle eventually comes around to thinking of Ike as a sibling.

Stan is his first friend! He’s who introduced Kyle to the rest of the monster world. Stan’s a werewolf who has trouble transforming into his human form, he’s usually stuck in wolf or hybrid form. His memory is foggy when he’s a wolf, and he can’t remember many details of his transformations.

Kenny is a ghost/zombie. Usually his body wanders around on its own until Kenny repossesses it. Kenny prefers being a ghost, but if his body dies so does his soul, so he makes sure to keep the corpse safe.

Butters is a newly transformed vampire, who really hates the idea of drinking blood. He uses blood bags to avoid killing, but he still feels wrong drinking the blood

Speaking of vampires, here’s Nichole! Unlike butters, she was born a vamp. Her and Kyle dated back when he was alive but Nichole only agreed to go out with him so she could get him alone and drink his blood. She thinks it’s really cool they can hang out again, as she enjoyed his company. Kyle is very conflicted on how to feel.

That’s all I have for now!!! Hope you enjoy!

[secondsineternity]

Help A Widowed Mother Get Her Car Back

Hello my friends, my readers, and everyone seeing this on Tumblr. I am here requesting for your assistance on behalf of my friend and co-teacher Renee.

Renee is a widowed mother of a five-year-old autistic son and is a dedicated and hardworking preschool teacher. Over this past weekend her car was repossessed. She had just moved out from a toxic living situation and was behind on her car payments due to the costs of moving. The repossession agency has told her to pay a total of $1800 to avoid auction of her car.

Renee and I have set up a GoFundMe for donations, the link is here. If you would like to donate directly via Renee's Venmo, Cash App, or Zelle, please send me a direct message. Advice and prayers for Renee are also welcomed. Even just one reblog can help! We are asking for a little kindness to get this widowed mother's car back. Thank you in advance for any help and donations!

[whirligig-girl]

The aliens arrived in their toroidal flying saucers--enormous gossamer-like structures big enough to put Jupiter in the hole. They projected bodies down to Earth on long threads, and complained.

"What happened?" they pleaded with our planetary scientists.

An awfully open-ended question, but the planetary scientists threw up their hands and explained the current state of the field, about the theory of planetary aggregation and various hypotheses to explain how each of the planets ended up where they are today. The aliens nodded along skeptically at times, but they seemed especially disappointed by the Lunar geologists.

"Excuse us," their leader said politely, rising into the sky towards geostationary orbit on a great thread.

And so it was for the next few decades that the aliens set to work correcting what they saw as the great mistakes of the solar system's formation. Perhaps Venus never cooled down enough to avoid a runaway greenhouse effect, or maybe something about its specific volatile mass had been off. Either way, it was the first to be treated. By the time it was done, perhaps 20 years in, it was a blue world with brown continents and white clouds. While another saucer had come to work its magic on Mars, the first saucer returned.

"Eh, we'll need you to give planet two a good head start with the whole biosphere thing. We hadn't bargained on life starting up there halfway through the lifespan of the Sun. If it's no trouble, that is."

A new habitable planet provided the space program no shortage of funding!

Mars was finished, just a few years later, a comparatively simpler job. The aliens advised humans not to interfere with this one just yet, to perhaps give it a few hundred megaannum or so for the life to diversify and develop before contaminating it.

But the saucers didn't leave. They seemed to drift throughout the inner solar system. They took some curious expeditions to Europa and Enceladus--robotic NASA spacecrafts recorded deep probing threads piercing the ice--but didn't seem impressed.

They kept returning to the Moon.

At last, the aliens projected down on their long threads to a university. "You're sure that's how it happened?" they said.

The lunar-planetary scientists showed the alien ambassadors rocks from the Apollo and Artemis expeditions, computer simulations of various types of giant impacts, of synestias and hours-long instant formations and debris disks and gas instability, of an oversized iron core and large low-shear-velocity-provinces.

"We think the water on Earth may even have been delivered through a giant impact from a KBO, though there's some concerns about isotopic ratios."

"No, no," said the alien. "The initial coorbital hypothesis is the correct one."

The alien sighed--it had picked up human body language well over the past 35 years--"This just won't do," it said. It left the building, shaking its head. "It just won't do."

The planetary scientists ran after the alien, as it started reeling its thread back. "Wait!" they said. "What are you going to do?"

"This Moon thing of yours just isn't big enough to hold onto an atmosphere. I'm afraid it's not good enough."

The aliens rose into the sky.

Within a few months the Moon had been lost from the sky, and a years later had been relocated to the L4 lagrange point. The aliens came back, apologetically. "Terribly sorry," they said, "We're in the final phases of the plan," they said.

The Earth Emergency Government representative stepped forward. "Final… phases?" he said.

"Theia was always meant to be a trojan of your Earth, you see. Something must have gone wrong when the gas disk dissipated."

"I don't understand," the representative said.

"My apologies," the alien said, "I'm used to dealing with your planetary researchers."

Many masses of threads now fell gracefully from the skies. When they touched down, they effortlessly bored deep holes. The ground shook. The representative's heart rate skyrocketed.

"It's just that we're going to have to repossess the planet Theia now."

[bluerosefox]

[2023 Prompt List 1][Previous] [2023 Prompt List 2][Here] [2023 Prompt List 3][Next]

|The MANY Bloodlines of Constantine (Its by pure dumb luck Danny is crowned Ghost King before his 18th, because he learns his biodad had sold his soul, its void now, and not just his but also his half-siblings as well... Constantine is getting decked.)  (Psst read the reblogs, everyone had fun adding to this one) |Daughter of Phantom, Lady Gotham. (Lady Gotham, is Danny Phantom’s daughter) |No Longer In Service (Ghost King Danny has an idea how to get summoners to stop summoning him) |Overdue Payments (Ghost King Danny finds Ra’s al ghul’s overdue payments and a request to repossess it) |For Them (Danny uses his ice to save Dani (Ellie) from melting and does so in front of one Dr. Victor Fries, aka Mr. Freeze) |In A Single Night (Vlad is taken down by either Selina or Tim in a single night due to being a creepy creep) |Assassin Heir? Crime Fighting Furry? NOPE NO THANK YOU! (Danny wakes up in a DC version of himself and tries to nope out of the Assassin lifestyle and avoid becoming a crime fighter. Now if only the others understood that) |Playing Dead AU (Danny is the dead body for those Murder Mystery parties and gets a gig for the Gotham elite. I strongly suggest reading the reblogs, they get amazing for this) |Of Godsons, Fruitloops, and Lois ‘I will drag all secrets out into the sun’ Lane (Lois Lane is Danny’s only godparent, Vlad better watch out) |Recluse Owner, Bookshelf Gremlin, and the Cute Cafe Guy (Danny and Dani have to leave their home dimension behind and decide to open a cafe with Ghostwriter whose been wanting a way to get new books without having to go out and deal with people. Jason is sus of the new bookstore that opened up overnight) (Very hinted Dead on Main) |Cujo is.... Trying (Danny gets hurt, Cujo and him are yeeted into the Gotham, and Cujo... Cujo is trying to do his best even as he’s chased after a sword wielding bird boy)  |Tim, buddy, what do you mean you might had accidentally made a Love Child?! (Danny learns is the love child clone? of Tim and Kon that Tim accidentally made during his bad year of losing everything and Danny gets deaged and tossed back into his home dimension. It was due to Clockwork that he never noticed the life he created (cause villain Tim timeline was nearly on set) but finds out what he created when said love child shows up at a Gala wandering around just after he announced he’s dating Kon) (a TimxKon story where they try to raise their clone love child) |Bellatrix Star ( a TaliaxDanny idea. Queen Talia and Ghost King Danny) |Joker Messed Around and Found Freaking Out. (Joker messed with the wrong person when he took a visiting class hostage) |Fenton Ethics and Test Tube Babies (Jazz and Danny aren’t Fenton’s but are half-siblings and cousins (basically same mom, different dad’s)...The Fenton’s have some... questionable ethics and moral) |Timelines, Red Robins, and Kings (dont ask about the title, it was only thing I can think of) (Tim crashes in on Danny’s ghost King lesson’s during his Red Robin run. Clockwork is excited for this timeline cause he gets to have some fun) |Beloved Beyond Time (Due to weird time-traveling, Ghost Prince Danny is summoned and mistaken as King by the LoA. There he meets a smitten young Damian al Ghul who proclaims they will marry... Later Danny finds himself cornered by a year older Damian when he returns to his own time) |Over Tea (Gotham gets a sudden and strange weather that shakes it to its core. The Batfam is trying to find the source, meanwhile a young Ghost King and Lady Gotham are discussing things over tea. |Good Doggos Give Hope! (A self-indulgant idea of Cujo wanting to help his fav ghost boy and meeting a very special ring wearing Corgi) |Taking a Chance (Good!Mom Talia! DannyxTalia (Royal Errors) and half-siblings Damian and Ellie (Danielle). Talia discovers Ra’s future he set out for Damian and is at the ends of her ropes, she is given a chance to leave in the form of a cryptic time being. Meanwhile Danny needs someone to become Danielle’s mother before she completely destabilizes)

[duckiemimi]

Do you think that when Kenjaku comes to battle and Geto sees Gojo in that state he can react and take possession of his body would be a great plotwist?

i do! i think it’s very possible!

i think it would be a well-executed plot-twist because we were introduced to the concept earlier in the shibuya arc.

now, unless gege added that choking scene just to drum up drama, then there should be a pay-off/resolution to this, especially in regards to the body-soul motifs we’ve seen in the series.

(in this case, kenjaku’s ct encompasses the physical body and mahito’s ct encompasses the intangible soul. which came first? the chicken or the egg? or did they spawn together?)

the first and last time we saw this happen was right before gojo’s sealing, and since then, kenjaku/geto’s body hasn’t seen gojo in distress. considering gojo’s distress was most likely the initial sight that triggered geto’s hand to move on “muscle memory,” perhaps staying away from the gojo vs. sukuna fight was exactly kenjaku’s plan, to avoid from this scenario happening again.

we’ve also seen how fiercely and impulsively geto’s reacted upon hearing news of gojo’s death in the hidden inventory arc. it was like he moved on autopilot, on muscle memory, until he couldn’t.

it wouldn’t be a lazy plot-twist for geto to “repossess” his body after seeing gojo in the state he’s in now—in fact, it would be thematically inline, like this part of the story has come full circle.

i also wanna add: this choking/seizing-back-your-power imagery has happened even before the shibuya arc, in the very first chapter of the series.

“whaddya think you’re doing with my body? give it back!”

three is a magic number in storytelling.

anyway, i’ll leave you with this poem.

[demonicchicken1121]

Scooping aftermath stuff because i need to put my blorbos in pain

Michael's soul never actually left his body. he was the natural soul of the body until he died and automatically repossessed it. Its like internal bleeding with the soul: the soul is not where it is supposed to be, but it is still in there.

He was fully aware in the days Ennard was in control, he just couldn't speak, move, or interact with anything.

He regained control once Ennard decided to leave, so there was a several hour period where he had fully possessed his body, but Ennard was still IN there. They could still move around and stuff, but Michael could too. Michael tried to fight against them for a little bit, but it caused more damage and pain than it was worth. He still fought by instinct, but tried not to. Ennard did actually spend most of this time trying to leave Michaels body, but the reason it took several hours was because all of the spirits were disagreeing on how and when. some of the spirits wanted to rip themselves out immediately, and others (particularly Elizabeth) wanted to be careful, as to avoid hurting Michael more than they already had.

Theres a whole lot more of this, but now i have so many ideas and i want to write them in narrative form now

[erraticopeninghours]

Crowley and Beelzebub Talk

Thoughts on 1.13: Crowley and Beelzebub talk

I feel so badly for Crowley that his “precious, peaceful, fragile existence” cannot be.  It’s interesting to contrast Heaven and Hell’s approaches to Aziraphale and Crowley, both as workers and later as retired/traitors.

Heaven treats Aziraphale’s bookshop with the same apathy that they do other earthly possessions (and beings.)  First, in the 1800 deleted scene, they almost take it away from Aziraphale, and even when they decide not to, it is never treated as an important matter.  Second, though Shadwell definitely plays a role in it, the bookshop fire would have been preventable if not for Heaven / Metatron insisting on leaving the portal open.  Following the fire, the bookshop is returned to Aziraphale (this time by Adam / earthly intervention), and what Aziraphale temporarily lost is never addressed as important.  

Both of these incidents dovetail nicely with Heaven’s approach of killing Job’s three children, then expecting gratitude after they “make it better” by giving him seven new children.  Heaven is careless with what Aziraphale values most and dismisses the importance that he chooses to place on things and people, but generally does not seek to destroy things for the purpose of tormenting Aziraphale.  Instead, they’re cruel through callousness. 

On the other hand, we see Hell actively work to violate Crowley’s boundaries and intentionally (mis)use his possessions to hurt him.  In Season 1, there’s the orders from Satan; Hastur and Ligur’s invasion of his flat; and Hastur’s appearance in the Bentley and removal of Crowley’s sunglasses.  In Season 2, we learn that Hell has continued this pattern into Crowley’s “retirement.”  Despite Crowley being “persona non grata,” Hell repossesses his flat, and Beelzebub begins their conversation by appearing in the Bentley.  

For me, just the presence of another demon in the Bentley was very unsettling and felt much more dangerous than Crowley’s earlier talks with Shax in the park and on the street.  I also feel like it was a definite power play by Beelzebub – them making a point – given that they clearly have the ability to “call” Crowley to Hell.  The fly that flew inside of Crowley’s mouth also felt like an invasion, especially since one of Crowley’s main strategies for staying safe is through quick-talking. 

Lastly, there were several phrases that Beelzebub used which I really enjoyed. 

(1) “What if I said Hell was willing to forget everything you did, that we were willing to accept you back, no questions asked with a hefty promotion?” is fantastic! Partly because it demonstrates Hell/demons’ knowledge that having past misbehavior “forgotten” is generally worth more than any token “forgiveness.”  It also completely avoids the word “forgiveness,” while clearly offering more absolution than Heaven tends to offer (at least to demons. Consider: “Unforgivable, that’s what I am.”)  And thirdly, this is what Metatron offers Aziraphale at the end of the season, except that Aziraphale - for whatever reason(s) - accepts the offer!  

(2) “[Y]ou find Gabriel for me and you can have whatever your nasty little heart desires” is also a great line because during my first watch, my instinctive reaction was that Beelzebub can no longer offer Crowley anything that he really wants.  His heart only desires a certain angel and perhaps select Earthly pleasures.  On rewatch, however, the line was even better because while Beelzebub can’t give Crowley whatever his nasty little heart desires, Crowley theoretically could have given Beelzebub whatever their nasty little heart desires - Gabriel! 

(3) “So, if you hear anything, come to me first, yeah?” is a fun line because we know that Crowley will not come to Beelzebub first.  Even though Crowley has just argued with Aziraphale over helping Jim/Gabriel and stormed out of the bookshop, we as the audience have no doubt that Crowley will go to Aziraphale first with any important information. (At least, until he doesn’t…)  Despite the accompanying frustration, Crowley is committed to their side, and that commitment is obvious to both the audience and to Crowley himself.

(previous) (next)

[moonstruckdraws]

Luci Interacts!

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She and Pico can't fucking stand each other. Luci and Pico are like parallelly opposites, if that makes sense. They're nemeses :3 @hellishgayliath

Context! Pico and Luci didn't meet until after the episode "Repo Mantis". Luci was aware of Todd, but hasn't met him in person at this time and was originally going to be the one to get Todd's trailer, until Donnie and Mikey showed up and make a deal with Repo for the Jupiter Jim Moon Buggy. Instead, Luci spends the entire episode with Mrs. Nubbins before Repo gives her a different job to do before Mikey and Donnie come back.

Luci does not like Todd as she believes that he's a manipulative person that uses his kindness to get what he wants. This thought is fueled after Luci meets Todd to try and reposes a different loaned item, and sees the giant puppy rescue he has. She asks about it, and that's how she learns of the events of the episode. This greatly angers Luci and she starts yelling at everything, but not in Todd's face as his kindness still has a bit of an effect on her. (I like to think she's one of the least effected people from Todd's endless kindness, but it still has enough of an effect to where she does the bare minimum in her anger, like not screaming in his face or keeping her insults under her breath) At this point, Pico would probably hear the commotion, and would most likely turn into them yelling at each other before Luci storms off. This would establish their hatred for each other, since Pico is protective of Todd.

And this isn't the push and shove kind of rivalry, no this is full on insulting each other in every other sentence, aggressive glares, and attempted murder :D I'd like to think Pico would learn all vulgar words from her and her bad mouth, that she definitely got from Repo

Accurate Representation lol

If it's really heated, they'll start to insult each other's dads, but this is a very rare thing. They're both aware of how much they value their parents and don't like going that low. But if one of them does insult the other's dad, well someone is going to walk away with a scar or two.

This is also a time to explain Luci's physical body real quick; so some moths don't eat because they don't have mouths, which is why they don't live very long. I wanted Luci to have a mouth with no teeth to reflect this, as well as to show how little she uses it. She only opens her mouth mainly to yell or scream and only does it when very very angry.

Like mentioned earlier, Luci does not like Todd, finding him annoying and deceiving. Any time his irresistible kindness starts to take effect, she explodes in rage and gets as far away from him as possible. This is also prevents loaned or late paid items from getting repossessed, same end result except it's not because they felt bad or gave Todd more time Luci just gets too frustrated to deal with him.

Luci is also slightly afraid of dogs! Not to where it's a major problem, but she'd like to avoid them or see them at a distance if possible. If it wasn't for her stubbornness and disliking to Todd, she'd avoid Todd and his puppy rescue as much as possible. At most, if there are too many dogs, she'll freeze up for a few minutes before she swiftly leaves. Mrs. Nubbins made her a cat lover, despite this mantis cat trying to kill her at times, and values their chillness and sassiness.

When trying to deal with Todd, they'll converse a little bit away from the puppy rescue because it makes her more comfortable and Todd is considerate, so he'll agree. Of course, Pico isn't far keeping an eye and ear out on their conversations, and I think he'd smile every time Luci gets frustrated and storms off from Todd.

Bao & Luci are actually very chill and casual

Luci isn't always aggressive and explosive; she just seems to be that way, especially to Pico. She mainly acts this way when it deals with Repo's businesses or Todd, which is the only time Pico sees her. Neither of them have seen each other interact with their dads personally or with their companions (Mrs. Nubbins & Miho), so they've only seen each other's nasty side towards each other, of course.

With Bao though, she's more laid back and chill, still sassy though and her vulgar language is less present. She and Bao share gossip, mainly Luci as lots of drama can happen in the junkyard like reality tv lol. Luci discovered Bao's tea shop when in a heated fit and was trying to cool off. She felt almost immediately soothed by the environment, and it became one of her safe places. Bao did not know of Pico and Luci's dynamic and didn't even know Luci was the person Pico would be talking about. Pico would never say her name when talking trash about her, claiming that "she's too nasty and terrible to even say her name". So Bao would see a softer side to Luci that Pico never did see

Of course, one of these days they'd run into each other at the tea shop, and it would go something like this lol. Moths are nocturnal, and even though Luci can be up in the morning, she's usually up by noon. And when going places, it's usually the late afternoon or night and it's these times that she goes to the tea shop. I think Pico would be bringing over some dog chow for Momo or gardening stuff a bit later in the day and would see Bao and Luci conversing.

Afterwards, Pico wouldn't understand how he could stand Luci while Bao would probably try to tell him of the Luci he knows, of course Pico wouldn't believe him. Luci wouldn't understand how Bao could date someone like Pico, to where Bao does the same thing, but a bit more serious to show he won't tolerate her insulting their relationship (to which she does not ever).

After this run in, I think Luci wouldn't show up to the tea shop for a while, to where Bao asks if he and Pico could go check up on her and Pico is reluctant to. I think this is where Pico would firstly see Luci's softer side as they'd catch her with Mrs. Nubbins in her cave. Mrs. Nubbins notices their presence, Luci gets angry and embarrassed at being spied on (causing a bit of ripple in her and Bao's friendship), Mrs. Nubbins tries to eat them, Luci progressively tries to stop her, they're all tired, Luci wouldn't say anything except harsh glares and go inside her home. And I'll leave that plot point at that :]

If asked her opinion on Pico it'd go something like: "UGH! I can't STAND that trash eater! He's annoying, rude, and worst of all, sees that BEAVER as a GOOD GUY!! He even had the NERVE to F***ING insult Boss! He's the WORST! THE WORST!"

[taggedmemes]

SENTENCE MEME ⟶ SORROW-SCOPES FROM TWITTER (PART TWO) always feel free to tweak the sentence to fit your muse.

"Is this the best you can do? Seriously?"

"You will undergo a series of tests today, and you will fail all of them by simply showing up."

"Start a new chapter in your life, but pick a less boring central character."

"The void is tired of your constant screaming, and is requesting you take your complaints elsewhere, like Olive Garden for example."

"You don't need to reinvent yourself. There's only one you and you're chained to it like a lead ball pulling you down to the bottom of the sea."

"This is a lucky day to spend time in nature. Stray from the footpath. Enter the forest eaves. Follow the flickering light, the one that almost sounds like a child's laugh. Go on, do it."

"You may feel overwhelmed by the maddening screams of evil spirits, but your ability to get along with others will get you through to the next circle of hell."

"You only get one chance at life and what a terrible mess you're making of it."

"All the sexy selfies in the world won't fill the emptiness inside you."

"In every potato patch, there's at least one that's malformed. That's you. You're the malformed potato."

"Good things are coming your way. They won't stop until you're dead."

"Your therapist will once again cure another patient by using you as an example of what not to do."

"Every new day is a gift. Returns are not accepted without a receipt."

"You may be an army of one, but no one said you were well-trained or properly equipped."

"Someone's going to start mailing you hair. Check back next week to find out who."

"Clear your mind, take a deep breath. This is going to hurt a lot."

"The ghosts of your past are no match for the killer robots of your future."

"Your positive outlook will make you feel foolish when things inevitably turn to shit."

"It would be a great day for people to listen to you. After midnight they won't be able to, as that's when your voice will be repossessed by the sea witch."

"They key to living a happy life is to avoid being dragged screaming into a subterranean lair."

"You'll find a severed foot this week. Thankfully, in your Applebees entree so you'll score a free meal."

"Focusing on small, manageable goals is a great way to avoid the grim specter of your own looming mortality."

"Today's a good day to exorcise your demons. Wipe the slate clean and make a whole new bunch of terrible life choices."

"If you can't help yourself, nobody else can, so you're basically screwed."

"The exact minute of your birth tells us so much about you. None of it is good."

"Someone will hack into your dating profile, but won't touch a thing because they think you've already been hacked. You haven't."

"Take heart in knowing that what befalls you next week will eventually lead to what Buzzfeed calls 'American's next true crime obsession'."

"Air travel is in your immediate future. Stay away from open windows this week."

"Given the choice between being rescued from drowning and fighting the ocean itself, you'll punch the sea every time and we respect the hell out of that."

"You'll play a key part in the invention of interdimensional space travel after NASA announces it's the most permanent way to get rid of you."

"Due to focus grouping, your part will now be played by a more attractive and intelligent player."

"You will bear witness to the majestic beauty of nature this week but all you really care about is your phone."

"The darkness that has haunted your past gives way to a new light. Which will make it easier for your enemies to find you."

"You've been feeling restless lately, and it's because your skeleton hates you and wants out."

"You pissed off the moon. You're on your own."

"They say the blood of your enemies is a powerful elixir but let's face it, you just like the taste."

[thryth-gaming]

Cyberpunk Monsters and Hunters

So I was asked to dig a bit into cyberpunk this morning since we finished with the new Team playbooks.

One of the things that we were asked to do with Hunter's Journal and Slayer's Survival Kit is to add more sci-fi options as adverse to the usual occult flavor that is the default assumption with Monster of the Week.

This resulted in the inclusion of the Host, the Visitor, The Interface, Research Lab, and Escaped Experiments as well as the sections on creating future-tech and bionics in the Gear section. However, Sci-Fi does not necessarily equate to cyberpunk. So what makes cyberpunk?

Settings with a "punk" descriptor usually heavily focus on social inequity. You're going to have powerful corporations and unethical government programs feature heavily. The problems that you face are outgrowths of the dehumanization of the lower classes and the reduction of their societal role into being a cog in the machine feeding the comfort of those people in power. In a lot of way's Marek's advice about taking a Gothic look at things is very applicable to cyberpunk. Instead of using a supernatural monster or phenomenon instead use a science fiction one.

This right now is me writing a bit just in the morning over the course of about 30 minutes. This is a topic that will take a bit deeper thought to give a complete thought on. However, some basic summaries here:

A lot of cyberpunk fiction involves corporations and governments trying obfuscate or justify what is effectively slavery. The villains of the setting will make an effort to narrow the definition of a person and attempt to retain ownership bionic upgrades and replacements. Your replacement heart was taken on credit and can be repossessed, such as you see in Repo: The Genetic Opera.

Branching off that, explore what it means to be human or a person. Is there a line of replacement at which point a person stops being a person? Or is there something more abstract that determines what makes a person? Short Circuit goes into this with Johnny Five's spontaneous sapience being explored. This is also a driving point in the video game Detroit: Becoming Human with sapient robots and in Blade Runner with clones.

Explore the unintended consequences of technological advancement. Technology itself is neither good nor bad but cyberpunk often explores what happens when an advancement is rushed out without proper quality controls or, worse, disregarding significant dangers that the company doesn't want to bother dealing with because they need profit now. A fair number of Black Mirror episodes seem to examine this.

Take the promise of an exciting technological advancement and imagine how it might be twisted and corrupted from its original intended application once funneled through the perspective of a corporation that only sees the potential for profit or a government that only sees the potential for control. It is important that the tech is not inherently bad, nor are humans inherently bad, but bad people have inordinately more control over how things go than they should. In the Val Kilmer movie, The Saint the conflict is over free energy, for instance.

For contrast, Star Trek takes place post cyberpunk and the webcomic Questionable Content assumes a reality where several cyberpunk tropes were avoided creating a world where AIs and humans live alongside each other as equals.

As regards to Monster of the Week, you'll be dealing more often with Villains and Phenomena than Monsters, where Phenomena represent a new technological marvel that has some horrific side-effect that is just being concealed or ignored by the creator. That said, you can still get Monsters with things like rogue AIs and killer robots. But also, AIs and robots might become bystanders that you have to help escape from the corporations and governments as well.

The ultimate enemy of cyberpunk stories is crushing social inequity. A very small number of people have inordinately more power than the bulk of humanity. You'll find a lot of that emotional inspiration in both my own and Marek's design spaces.

When it comes to the hunters.... hmmm, let's create a quick team. I don't have time to do Hero Forge minis just yet, but I'll probably build some over the day to add in here.

For weird moves I'm going to focus on the following:

Hacking, the control of computers and tech, naturally.

Weird Science, the crafting of unstable prototype gadgets.

No Limits, enhanced physicality, could represent cybernetic enhancement.

Tradecraft, enhanced analytical prowess, again, could represent cybernetic enhancement.

And for playbooks I'm going with the following:

The Interface, all about interacting with tech.

The Host, in this case, fused with an AI.

The Expert, with a highly technological Haven.

The Constructed, this is a third-party playbook that's popular, we may eventually see it become official.

And I did Escaped Experiments earlier, but I think I'll do this as Whistleblowers... which is sort of like the prologue to Escaped Experiments and I used the model of Whistleblower when I was creating the questions for creating the Project in Escaped Experiments and the App in Swipe to Slay.

Masamune-Sigurd Industries

The hunters are agents that are part of a megacorp that is pushing the boundaries of technology with the stated goal of advancing humanity. Or at least the humanity represented by their major shareholders.

Style: Revolt - let's burn it all down.

The Organization

Official Goals: Research human enhancement, expand market share.

Goals you suspect: Taking over the world.

Official Resources: Modernized, Rich

Suspected Resources: Bribed officials, sacrificing members

Obvious Flaws: Closed hierarchy

Suspected Flaws: Hostile superiors, protects member criminals

Core Traits

Team Ally: Faruq, an office worker in the organisation. He also feels there’s something wrong but is too afraid to act openly about it.

Team Moves: Something Rotten

Team Assets

Fake IDs: Fake government IDs.

Workshop: A big space for craft and repair projects, with plenty of tools and materials.

Bobbie Lloyd - The Interface

Look: A cybernetically enhanced soldier with clearly artificial body parts, though from a distance or under heavy clothing they could pass as a normal human.

Charm -1

Cool +1

Sharp +1

Tough +2

Weird +0

Integration

Upgrades: Heads-up Display, Intelligence Database

Faults: Hackable Brain

Origin: Volunteer

Moves

Basic Weird Move: Tradecraft

Moves: Keep Going and Going, Take the Shot, Expert Troll

Gear

Tactical Armor (1-armour)

Jumping Boots (integrated)

Enhanced Sensor Suite (integrated)

Internal Computer (integrated)

Recording Suite (Integrated)

Submachine gun arm (3-harm close area loud reload integrated blatant)

Muscle Augments (1-harm hand useful integrated)

Incessantly replayed voicemail

Nostalgic Photo

History

Phoebe Morris represents one of Bobbie's nightmares, having an AI meshed into her brain. The fact she did it to herself, deliberately even, makes it so much worse.

They don't see Project V as much different from themself. Just coming from a different starting point.

Bobbie knows that Eileen has some shady past. They just don't know details about what Eileen's done. That said they do recognize that Eileen is honestly trying to atone for past sins.

Bobbie was quick to volunteer for the Cipher program and hasn't regretted losing flesh and bone body parts yet. The one thing that concerns her is that there is now a path from a hacker to access her organic brain and do all sorts of terrible things to her mind (and possibly body)

Phoebe Morris - The Host

Look: A lovely young woman with a number of skin-mods showing LED lights flashing in lines along her skin. Looking into her eyes you can see binary numbers processing.

Charm +1

Cool +1

Sharp +0

Tough -1

Weird +2

Symbiosis

The Norn-AI

Benefits: Can't be possessed (hacked), Subtle Physical Improvements

Downsides: Obvious mutations (the neon lines and digital eyes)

Moves

Basic Weird Move: Hacking

Moves: Defensive Adaptation (Whispered Advice), Collaborative Effort, Mutual Survival

Gear

Audio recorder and backup storage

Symbiotic Stunner (0-harm close stun integrated retractable)

History

Eileen's advice was instrumental in the successful symbiosis with the Norn-AI.

Phoebe saved Bobbie from an intrusive virus or AI and that was how she came to the idea of upgrading her nervous system to house Norn-AI

Project V has come to her and Norn-AI for advice on how to fit in with biological human beings.

Phoebe could very much have ended up a monster that needed to be put down. Fortunately, the Norn-AI is largely friendly or at least tolerant to their host personality. Phoebe had discovered the Norn-AI quarantined in a neglected corner of the company's Byzantine digital structures. Housing Norn-AI in her own body is how she decided to rescue them.

Eileen Moreno - The Expert

Look: A woman somewhere between middle-aged and elderly, but it's hard to say exactly which as life-extending technology has muddled the signs of her aging. She dresses sharply and walks with a slight limp.

Charm +0

Cool +1

Sharp +2

Tough -1

Weird +1

Haven

A private lab hidden away on company grounds where she can perform her off-the-books research and projects.

Hidden

Guardian (Personal lab AI)

Science Laboratory

Moves

Basic Weird Move: Weird Science

Moves: Dark Past, The Woman with the Plan

Gear

Magnum (3-harm close reload loud)

Stun Gun (1-harm hand stun electric)

Walking Stick (1-harm hand innocuous)

History

Project V knows a lot of Eileen's dark secrets. But they're not entirely sure which are bad and which are just past events.

Phoebe Morrise approached Eileen for advice on her project, at the time Eileen was distracted with her moral epiphany and did not realize that Phoebe planned to host an AI within her own cybernetically enhanced nervous system.

Bobbie Lloyd's upgrades are at least partially based on Eileen's designs. She is concerned at this use but has to admit that Bobbie's upgrades are well done.

Eileen has been an important researcher at Masamune-Sigured for over six decades and she's well into her 80th year for all that she looks much younger. In her time at the company she has both seen and performed many sins in the pursuit of technological advance. Upon discovering Project V's growing sapience, Eileen had an epiphany and started to realize that she's been in the wrong in many circumstances.

Project V - The Constructed

Look: A mostly human looking face with a clearly sleek, robotic body made from a silvery metal that will eventually be covered in a substitute for skin like their face is.

Charm +0

Cool +1

Sharp -1

Tough +2

Weird +1

Purpose

Experiment

Animating Force: Electricity

Creator set them free

Moves

Basic Weird Move: No Limits

Experiment Move: Always Learning

Moves: Inhuman, Recharge, But Why?

Gear

Huge handgun (3-harm close loud reload)

Bulwark (1 armour)

History

Eileen Moreno is Project V's creator and she's working on a way for Project V to pass as a biological human.

Bobbie Lloyd first assumed that Project V was another bionically enhanced human being. They were a bit surprised at the truth but rebounded quickly back to accepting Project V as a person.

Phoebe Morris's host AI has expressed interest in Project V's programming and has engaged in digital conversations probing the subject. So far the AI has avoided pushing boundaries.

The point of Project V on paper was to create a robotic soldier or operative. However, once Eileen started recognizing the potential of what was in front of her, she started to divert attention away from the project and slowly remove V from the official records. Since then, Project V has mostly been confined to the hidden facilities the team has available, but will leave that area to help the team.

You can find the Interface and Host can be found in the new supplements along with advice on incorporating bionics into your campaign can be found in the Slayer's Survival Kit.

[boxeboxer]

DEEPALI NIBHANUPUDI (NAGARKAR)

Origin: krtrim (computational phantom)

Status: posthuman, piloting a standard Class-1B civilian 2028 CHOSHI-II vessel (modern Delhi variant) distributed by OURO

Nationality/Ethnicity: Indian, currently resides in southeast Britain. ORANGE color ID

Age: 33KR (date of genesis January 4th, 2019)

Occupation: simple electronics assembler for Loxton-Duchêne

About:

Deepali Nibhanupudi is the surrogate daughter of Mona Nibhanupudi, and goes by the alias Deepali Nagarkar to avoid association with him. She is considered the first and therefore oldest krtrim ever created.

Mona formally trained Deepali in kalaripayattu as a form of discipline throughout her youth. Though Class-1B civilian vessels only stand at five feet (152cm) tall and have smaller proportions than a human her height, she is a formidable threat with her extensive martial arts background. She is quick to think on her feet and highly observant. However, her timid and often pushover nature make her unassertive, and she only exercises violence if the situation is dire enough.

Deepali is quiet, and does not usually speak until spoken to. Her shyness gives her the appearance of stoicism, though in the presence of those she trusts, she is possesses a charming wit and bright personality. She is deeply loyal to those she cares about, even it means risking her own life. She enjoys painting, knit sweaters, and playing word games like Sudoku or Scrabble.

Background:

For what is believed to be sentimentality, Mona kept Deepali for himself shortly after creating her. While other krtrim were advertised as workers to be sold off to corporations, Deepali was raised like a human child. Despite her reserved personality in adulthood, Deepali was very mischievous in her youth, which created tension between her and Mona's strict parenting regimen. Though she expressed her desire to go out into society to make friends, Mona banned her from ever leaving his custody, and she grew to resent him as time passed. In the rare times he was present, Mona would either subject her to training or tests of her cognition. The rest of the time he was largely absent, often traveling for business related to OURO.

After his death in 2029, his estate was ceased by interpol, causing her to flee into the surrounding city. Upon entering the streets she was marked for repossession. She finds and befriends another krtrim named Viggy, a former rickshaw driver, who is also on the run after the company he worked for disposed of all its krtrim staff. Together they try to escape to Bangladesh, but are ultimately caught by OURO authorities. Viggy is killed, and Deepali attempts to commit suicide. She is captured before she can go through with it.

Upon learning of her connection with Mona, Deepali is spared from repossession and instead interrogated for information. Robopsychologist Dr. Emelie Yadavalli is assigned to probe her mind to see what she knows. Deepali’s mental health spirals as she’s questioned on her purpose and the validity of her memories, developing rapid onset magnetic actuator deviancy (ROMAD), also known as Corruption. When OURO concludes that she has nothing to offer them, they plan to retire her permanently, but Emelie decides to buy her vessel-hood out of pity. She rehabilitates her, and once the war is over, she allows her to live on her own devices in Europe.

For the next 10 years, Deepali works as a simple electronics assembler for OURO’s Auxiliary branch in southeast Britain. She lives in a small apartment on the outer edges of Auxiliary by the coast.