#business loan to buy hotel

[gutsby]

Wants and Needs

Pairing: Sugar Daddy!Joel x Reader

Summary: Bills are high; your dad’s boss wants to help. How you pay him stays between you and him—for now.

Warnings: 18+. Protected piv. Explicit power imbalance in an exchange of sex for money, so dubcon, technically. Soft dom!Joel. Sex toys. Squirting. Oral (f!receiving). Overstimulation. Daddy kink. Age gap. Praise kink.

Note: Bohanan’s is a steakhouse in San Antonio, TX.

Word count: 8.4k

You wanted a car. Joel needed to cum.

It wasn’t the arrangement a girl your age should’ve made, but what could you do? Your dad drank half of your college funds away, and your mom was long gone.

The next best thing was Mr. Miller, your father’s boss. He’d understood better than anyone what money could buy. What it might do. For him, it was pleasure. For you, it was a future—or what little remained after bills and loans and exorbitantly-priced car repairs bled you dry.

You took the job at the firm on a whim. You didn’t want to be a lawyer anymore, though your dad and Joel were. You didn’t want to be done with law school, though 3L had already long since ended, and that dreaded so-called ‘minimum competency’ test was drawing close on the horizon. In short, you couldn’t afford to pay for bar prep.

With Joel, you could.

It was true that tax law paid pretty well, but a part-time job would never really be enough when your family was treading water at all times. Your dad liked to gamble and drink, and your brothers got all of their brains from him.

You got the short end of the stick, plus the receiving end of another. Lucky for you, Joel’s felt pretty good going in.

Today you were somewhere south of Austin. Your truck wouldn’t start last week, so you’d agreed to come along on this business trip knowing full well what you planned on asking your boss as soon as you had a moment alone.

“CDP hearing at…9:45.” You checked the itinerary twice.

“Alright.” Joel nodded.

“Lunch with Javier, Ezra, and Dave at twelve.”

“Mhmm.”

“Phone call with Revenue Officer Acacius at 3:30.”

“For the…?”

“Martells.”

“Okay.”

“I finished Lucien Flores’ Form 433-F for your review and left notes—” You stopped to tap your finger on a short white pile of papers between you and Joel on the desk, “—in the margins. Still need bank statements from him.”

“Lovely.”

Joel eyed the stack at first, but his gaze strayed a little.

“You should probably plan to talk strategy with my dad before Mayor Garcia’s audit tomorrow, too. Looks like a couple non-cash contributions are being disputed now.”

For a second, your eyes flitted up to him, too. It was brief.

“Sure. When’s your daddy free?” he said.

You blinked, then scanned the schedule.

“Looks like five…or six, maybe. He’s got a consult with—”

“I wasn’t talking about your father.”

You looked back up. Joel was smirking, of course. His hand had drifted a comfortable, innocent distance past the papers and across the table, to you. The pair of you happened to be in one of the glass-paneled conference rooms nearest the hotel lobby, so he had to be discreet.

He never let his fingers stray too long on yours in public. Presently, his thumb grazed your knuckles extra slow.

Posing a question, maybe.

You didn’t have the time to be tactful now, unfortunately.

“I need $2,700.”

Joel, your boss, your daddy, whatever, had to pause at that. He didn’t move his hand immediately, but he did stare harder. Longer. He searched your face for the joke.

“$2,700?” he repeated.

“Yes sir,” you answered out of habit, wincing only a little, “My truck stopped running last week, and it’s just…a lot.”

The cost. For Joel, it wasn’t even a drop in the bucket, but in your world, it was a make-or-break, fuck-your-whole-budget-for-the-next-six-months kind of bad. Suddenly, your cheeks felt warmer than they did before, and you forced yourself to look away. Peering out across the wide and gently rolling terrain of San Antonio and trying to pretend there was something thrilling to see. You’d almost forgotten how much you hated asking this.

“I can make the deposit tonight—” Joel started.

“No,” you interrupted. You wanted to turn but couldn’t. You just shook your head and kept staring out there, “Not now, I mean…I need to earn it over time, I just…”

You stumbled over the words. It was like your lips, your tongue, and your teeth were all suffering from the same sort of embarrassment pervading the brain, and you couldn’t bring your mouth to form the sentences right.

I’m not asking for a handout. I need to earn the money.

However ‘earning’ may have been grossly misconstrued in the context, it was a labor all the same. You didn’t love it, but you didn’t hate him, either. Joel was nice, albeit old enough to be your father, and it didn’t seem that he was nearly as predatory or perverse as he could’ve been. You’d been working for him for two months now, and the idea had been your own when the cash had gotten tight.

Back in April, you’d explained to him, calmly, that you couldn’t take the bar exam unless you got some extra money quick. That you wouldn’t accept his charity, but you’d pay him back in other ways. Joel had been against it at first—you were the daughter of his best friend, after all—but eventually, his carnal needs won out over his sense, as every other man would’ve done, you guessed.

At first, you’d started slow, but that hadn’t lasted very long. You fucked him regularly now, though never had you asked for an amount of cash this big out of nowhere.

Joel blinked and put a hand on his hip, like he always did when he wasn’t sure what to say. The silver in his soft, dark locks shone more in this light. He’d lost the smirk.

“You’ve done…plenty.” Now sounding sheepish.

You tried to protest again; Joel stopped you.

“I mean it. Hey, look at me,” he said next.

You did, hesitatingly. You turned from the window, and out of instinct, folded your arms over your chest. Joel paced closer to you and then he was watching. Pausing.

Brushing your arm with his and glancing once over your shoulder to make sure no one else was around to see.

He leaned in and pressed a quick kiss to your temple.

When he pulled away, your skin was practically ablaze.

“Mr. Miller—”

“Joel,” he corrected, quiet, “And you’ve done enough. Let me cover the car just this once, okay? Sweetheart?”

You didn’t realize you were pivoting again. That your gut was doing somersaults and your heart was ready to climb up and out of your throat. Your neck was burning.

It wasn’t even anger you sensed was simmering under the skin until you turned back to him, and your eyes flashed with ire before the words were even spoken.

“I don’t need your pity, Mr. Miller. I said I want to pay.”

“It’s Joel. And I said you’ve done enough, so—”

Ire morphed to something more in a blink.

You didn’t mean to say it, but you did.

“Fine,” you huffed, suddenly exasperated, “If you’re so fucking opposed to me paying my way for this one simple thing, I’ll get another guy. Forget I asked.”

It was a low blow, for sure. Joel knew how badly you’d wanted this to stay between just you and him—and he would never dream of seeing you ‘earning your keep’ with anyone else. His expression said as much as soon as he’d heard your words; his whole face hardened at once.

But then you’d turned to leave. You didn’t care what he wanted to tell you, and if you did, you certainly weren’t brave enough to stick around to hear Joel say it then.

So you left. He had a full, busy day ahead of him anyway.

You woke up wet.

In an effort to avoid your boss, you’d run errands all day. Buried your nose in a sea of Civil Procedure notes as soon as you got a second alone, almost vomited seeing the Erie Doctrine, and went back to your hotel room to try and study there. Once you had, you napped instead.

Now your clothes stuck to your skin; the sheets around you were soaked. You peered over the big white duvet holding your body interred and saw smoke overhead.

Or steam.

Yes, definitely steam. It was drifting from the bathroom, where the door was thrown open. You shifted up to sit.

“Tess!” you yelled, “Shut the goddamn door, I’m boiling.”

As a law clerk, you weren’t afforded the luxury of a suite to yourself, so you shared it with the other new grads on work trips like these. Tess Servopoulos loved long, hot showers and never closed the fucking door. You groaned.

And, feeling depleted of all energy from your studies and the stress and the steam searing every inch of your skin, you flopped back in the bed. You kicked the covers off your legs. You’d just lifted a hand to wipe the sweat from your forehead, when an awful, fresh realization dawned.

You glanced at the clock—3:37.

“Fucking hell,” you hissed.

You were supposed to meet your dad at two to get some paperwork signed. You needed to have that filed with the court by four. He was probably engaged somewhere else by now, whether it be a client, a conference, or a couple white lines in the bathroom of a partners-only club downtown, and you wouldn’t have a hope of reaching him here. You rubbed your face and groaned again.

You’d set an alarm for 1:30—you knew you had.

Where the hell was your phone? Why was it so warm? What if he’d called? Aw fuck, he’s probably blown that thing up to hell and back by now. Maybe he was drunk. He had to be. Where was Tess? Where were your pants?

You’d made it up to your feet, clumsily, and faced a full-length mirror. Your bottoms were gone. You closed your eyes and screamed inside, remembering why they were.

“Glad you’re getting some use out of this.”

The second you heard it, your lids flew open. You turned.

And, standing in the warm yellow glow of the bathroom light—holding the culprit, your vibrator, like a prize—was Joel. Naked as the day he was born, save for one thin towel around his hips, and grinning. Moisture glistened on his chest and pooled about his feet, and his hair was smooth, tamed, and combed back neatly from his face.

He waved your silicone toy in the air, and immediately, you regretted giving him your room key the other day.

“I thought we agreed you’d wait for me—”

“What the hell are you doing here?”

Your voice was thick with sleep. Joel’s own was slow, dulcet, and kind as it always was, even when teasing. When you grit your teeth, he just set the toy aside.

“I’m sorry. Bad timing. I saw your—”

“No.” You threw up both hands at once, suddenly out of breath and fucks to give, “You know what? I don’t care. You need to go. I have to be down at the courthouse—”

In twenty minutes. You cut yourself short and hurried off to find shoes. You could wear other pants. Ask another attorney to sign the forms if you couldn’t reach your dad. Forget that his boss and yours had just caught you with the vibrator he’d bought you last month and try not to feel too humiliated knowing he knew what you’d been doing. It didn’t matter—Joel didn’t matter. You slid on a mismatched pair of slacks and set off toward the door.

Then you had to stop. Joel beat you there, quick as ever.

“Listen. Hey.”

“Will you stop?!”

You pushed at his big and wet, stupidly broad chest. You felt the small grey hairs on his pecs tickle your palms, and for a second, you thought you heard a chuckle.

“You’re gonna make me late—”

“Hey, hey,” Joel said again. Of course it sounded fatherly, “I already signed the POA for Morales, hon, you’re good.”

You’re good.

“You what?” You stared at him in disbelief. How did he even know you needed Frankie’s power of attorney signed in the first place? You figured your dad would’ve mentioned it, but still, it wasn’t really Joel’s form to sign.

“The case is mine now,” he clarified, reading that look, “Wasn’t my first pick, but it is what it is. And your dad—”

Your dad was probably lagging wildly behind on his own caseload, so he’d pushed one off on his friend. Again.

“You can’t keep picking up his slack,” you gritted out, “One of these days it’s gonna bite you both in the ass. You know he shouldn’t be forcing these jobs on you.”

“I offered.”

“You caved.”

“He’s my best friend, what do you expect me to do?”

“Not let him use you! He’s making you feel bad for him.”

“And what if I did? What if I did pity the bastard?”

You scoffed. Then winced, inwardly.

I don’t need your pity, Mr. Miller.

From the look on Joel’s face, he seemed to be remembering the same. He shook his head.

“That’s not…” he trailed off. He rubbed his jaw with his hand and started to move from the door, deflating some.

His other arm extended to you, wordlessly, and already anticipated what was sure to follow. You swatted him off, then walked to the bed. You considered sitting but didn’t. Instead, you crossed your arms like you always did and turned away, facing the window with a cool, flat affect.

By now, Joel knew better than to take that for what it seemed. He crossed the room to you, treading softly.

His voice turned gentle again, like an apology: “Honey…”

But your gaze was already fixed outside. You frowned.

“Darlin’,” Joel continued, undeterred, “Come on.”

And you didn’t need to see his face to hear the rest: ‘Look at me, please,’ with eyes all comfort and warmth.

“Don’t you have a phone call with an R.O. or something?” Briefly, you recalled Acacius and a stream of other items from the checklist you’d covered that morning, and you had to stop yourself then from straying too far. You blinked once, just as Joel was approaching from behind.

“I cancelled,” he said.

You sighed, “Mr. Miller…”

You knew he hated doing that.

“Joel,” he pressed. Adding, “Something came up.”

You wouldn’t even ask. You shouldn’t care. You felt him standing there, fanning hot breaths across the nape of your neck, and you really couldn’t have taken that worse. You visibly tensed, hands balling into fists at your sides, and—hell, he wouldn’t quit moving now, would he?—Joel bent down. He hesitated, as if gauging your reaction in time, then descended further. He kissed your shoulder.

You cracked; it never took much from him.

For all your inane, ancillary plays at feigning indifference, one movement of Joel’s mouth and your resolve was lost. You clung to words, weakly, but all the rest fell away.

“We don’t…want your charity. Me or my dad. Alright?”

“I know.”

Joel kissed your skin again, then pulled at the strap of your blouse. It fell limply away, and his lips reattached.

Exactly when he’d walked you back to the bed, you couldn’t be sure. By the third or fourth kiss, your stomach was tight, knees weak, and your eyes drawing closed; it didn’t matter to you or to him what had passed before. Your bodies found the bed and blended together.

Tangling, in a way. Tearing blindly at clothes and not saying too much apart from Joel’s soft, sweet words:

“That’s it.”

“I know.”

“Good girl.”

Good girl when he kissed you. Good girl when he stripped you bare. Good girl when his hands roamed the broad, naked expanse of your body and let your own do the same to him. Good girl when your fingers hooked the outline of the towel and tugged it away, your vision filled with a sight you’d come to like more and more each day.

“That’s my girl,” Joel murmured. He cradled your head while you gripped his base, “‘S’yours, baby. All yours.”

Yours. Mine. You weren’t sure you had the sense or self-possession to even know what that meant, especially here. Joel wasn’t a boyfriend. He wasn’t a lover, at least not in the traditional sense. He wore dark wool suits like your father and worked from dawn until dusk every day, practicing law for longer than you’d been alive. Still, the smile above you was sweet. It coaxed you gently as you slid your hand up and down his length, like he sensed this was more like a lesson for you. Learning experience.

“Remember, spit a little first,” he instructed. Then, to demonstrate this point, he brought his fingers to his mouth and wet them quickly. He slipped his touch down to yours and met your gaze while he joined you there.

He rubbed and slicked himself up and he did it with ease. You followed his lead and watched his face contort—crow’s feet pinching even tighter at the sides of his eyes as pleasure began to pool in his gut. He looked pretty. You’d never thought to tell him this, but Joel really had an unparalleled face. It was an old and beautiful thing. For this reason, you couldn’t bring yourself to tear your gaze away, maybe to wet your own fingers. Instead, you slipped your hand between your legs, where his hips had come to rest. You worked a slow, light touch against your folds; you were drenched, and it didn’t take long for your fingers to be, too. You moved them back to Joel’s cock.

“Like this?” you ventured.

The man answered with a grunt, at first. Then a grin.

“Yeah. Yeah,” Joel nodded, quiet but emphatic. Trying not to smile too big as he let your touch take over for his, “Just like that, sweet pea. Get it nice an’ wet for daddy.”

You wanted to whimper at that. Something must’ve flashed in your eyes at the intonation of the last word, and the look must’ve suffused your whole expression, because the next thing you knew, Joel was lowering his body to yours. Petting your hair, letting you rub on his shaft as fast as your soft, lithe hands could manage.

“Feel that, baby? Feel how much daddy missed you?”

You did.

Your brow pinched, and you wanted more of that. More from him: those tender, edifying words of praise being mumbled your way while your touch worked him over. Maybe you could’ve helped it, but then again, in this state, maybe you couldn’t—you whimpered for him.

Wriggling your hips against the bed to get your warmth pressed flush with his own, and squeezing him tighter:

“In me, daddy. Please.”

You angled his cock in your trembling grip to plead as much. You knew he liked being the one to push in the first time, so you didn’t move too far with that push, but you begged him with your gaze. You felt him tense a bit.

And just when you sensed he might let you have your way, he moved off. Down. Sliding his torso away from your own, to go lower on the bed, and smirking again.

“I think she needs my tongue first, doesn’t she?”

You wanted to nod. Instead, you flinched. You crawled away from his hold before it could secure itself firmly on either one of your legs, and you had to snag your bottom lip between your teeth to contain that blossoming need. It almost spilled from your mouth in a moan before Joel’s could reach your lower half. Then you scrambled to sit up

“No,” you choked out.

This wasn’t new. While you shook your head, Joel lifted a brow and stood from the bed. He reached behind him.

The night stand.

You closed your eyes.

“This isn’t…supposed to be for me.” you sighed.

In a second, Joel was back where he started, and you didn’t have to steal a glance through your lids to know what he was holding. Slotting himself gently into place.

“Don’t,” he started, sharp, “—say that. I mean it.”

You knew he meant it, but you also knew better than to accept at face value what he said, moving down on you.

This wasn’t part of the deal. Joel’s money was meant to serve his pleasure, not yours. Letting him take you any other way seemed to blur the lines between transaction and affection, and though you’d done this before, it still didn’t feel right. You couldn’t bear having his focus here.

Evidently, though, he could. He’d snatched your vibrator from the night table and lowered his torso to your legs, lips twitching the tiniest bit. ‘Open up. Let me see her.’

Joel was on his stomach, eyes glowing with intrigue.

“Let me see how much she’s missed me, baby.”

The grey matter in your brain might’ve trickled through your ears—the whole thing went to mush at his words. You pushed at his hands, then the top of his head, but clearly, your will was weak. You wanted this. Needed it.

“That’s a good girl. Let daddy have it,” Joel drawled.

You wanted to cry. Or maybe hide. His index and middle fingers prodded at your folds, pulling them apart, and for a moment, you could’ve sworn you’d stopped breathing. Joel kissed the slope of your mound with a quiet kind of reverence. The salt-and-pepper stubble on his chin brushed your clit, and your back arched reflexively. Then, remembering why you’d come to this arrangement in the first place, you felt a wave of guilt supplant that pleasure.

You clawed at his head and shook your own, weakly.

“No. W-wanna make you feel good,” you choked out.

Not me.

Not here.

Just let it—

“Fuck,” you keened through your teeth. Joel’s lips made contact with your slick, drooling cunt and, in a second, sucked your nub in between them. He flicked his tongue.

Joel groaned, then pulled away to meet your gaze.

“Feels plenty good f’me,” he assured you in a murmur. Eyes glossy, “She’s so fuckin’ sweet, honey. So pretty.”

Then, as if to punctuate his point, he slid his tongue down the whole wet mess of your slit, and he moaned. He curled the muscle and invaded your sticky, sensitive, precious warm flesh with vigor and force—maybe a little desperation—and you whined at the feeling. Your toes curled tight. It was doubtlessly a sight to see: Joel’s old and weathered head against your young and supple skin, the wiry greys of his chin rubbing your cunt like no man’s his age should’ve been. He took you gently. Forked his fingers over your folds to hold you open for him and then, over and over and over again, just licking stripes. Squelching noises only seemed to goad him on while he buried his nose and savored your taste without reserve. Your stomach clenched with that pleasure, then swelled.

“That’s my girl—so good for me,” Joel said, as though reminding you, gently, it was okay to relish the feeling.

Once more, he suckled your clit in his mouth, rubbing the tip of his tongue in a quick back-and-forth motion, and the next sensation hit without a breath of warning.

Your belly twisted again, then flushed with hot pleasure.

“My— fuck,” you cried, shuddering with a climax you didn’t know was coming. You held his head and whined.

Joel’s tongue didn’t stop. Your vision blurred. Whatever reprieve you might’ve hoped to find came in the form of his lips drawing back, momentarily, only to sponge little kisses on your still-pulsing heat. Your body jolted back.

“I c— I’m done. I’m done,” you blurted out.

Joel nodded against you. Humming through his kisses:

“I know. Keep going.”

Keep going.

So simple.

Still, you couldn’t breathe. Your sight was inundated with stars. You felt Joel’s stubble on your slit again, only this time, the pleasure was tripled. Your legs trembled, and your hands made fists in his hair. Joel kept on kissing.

And kissed again, again, and again, until your fingers in his locks pulled taut to the roots and your hips were bucking up in his face: ‘Too much, t—oh fuckfuckfuck.’

Then came a buzz. Skirting your legs in a blink, before diving to meet Joel’s mouth on your clit. You shrieked.

“I know, I know,” Joel joined, as though soothing a wound while he maneuvered the vibrator. Lifting his head and then kissing your thigh, “I know. You’re alright.”

You wanted to sob; you felt ready to burst. You trusted Joel’s judgment but had never been subjected to this sort of pleasure. What if it was more than you could take?

“I’m here.”

Joel’s words were slow to crawl off his tongue, but their intent was clear. You writhed once more, and he was kissing your skin, rubbing your thighs, and taking the toy to your clit with a warm, devoted touch. He wasn’t cruel.

He had a glint in his gaze when you met it, like he knew you wouldn’t accept this feeling alone—but he wanted you to. He wanted the indulgence to be your own and an end in itself. There was care in his touch, tender praise with every caress, and you guessed this was intentional. Joel needed you to know this was more than only his.

You felt more naked than you’d ever been: soaking the sheets with your last release, fresh arousal trickling out, Joel’s spit mixing with your nectar and sweat and pressing you down in the bed. And nudging you, gently.

“‘S’okay, baby. You’re alright. That feels nice, doesn’t i—”

“Kiss me.”

It came out faster than you could even try and stop it. You weren’t sure why you said it. The words were acerbic on your tongue—you hated ever sounding needy—but then your mind and your mouth and your worries were all silenced at once when Joel came clambering up for you.

His lips were wet and grinning as he kissed you. He held the vibrator hostage between your legs while his body pressed tight against yours. His movements slowed.

Then, as if he’d crawled in your head and read your mind:

“It’s okay to need me, baby. It’s okay to want this.”

His hips made that assurance even clearer. Joel reached down and took the vibrator again, increasing the friction between your groin and his while he pressed the buzzing toy to your clit. You whined into his mouth at the feeling.

Your eyes rolled back, and the pleasure soared. This morning, you might’ve bristled at the words he’d just spoken, but here, in this bed, it felt okay. It felt safe.

Joel felt safe, for once, and you weren’t sure how to keep that idea from sticking—how to reconcile the notion of swapping sex for cash with a man for months on end, and then this. Your stomach churned. He held your face and kissed you more, and your clit throbbed and ached. Before you could ponder your thoughts a second longer, a white-hot pleasure washed over, and you came again.

“Good girl,” Joel cooed.

Throbbing even more this time.

“That’s a sweet girl. That’s my baby.”

All but aching with desire. Feeling it double.

“Cum for daddy, that’s it. Keep going.”

Feeling it trickle down your legs.

“She’s feelin’ real good, huh?”

You could barely breathe.

You whined. Felt something splinter between your thighs and then more of it, more of you and that slick, oozing pleasure and Joel’s groans, overjoyed—‘Making a fucking mess’a daddy, isn’t she? She feel that good?’—and by ‘that good’ you guessed it was more than normal.

This was more warmth than usual. Somewhere in the midst of your own mind-numbing pleasure, you’d let out a spurt, sticky and wet. It now coated the hairs on Joel’s tummy, and while his skin shone, his eyes were brighter. He flitted a look to you, gaze flaring, and slid down. Low.

Back to where he was before. Moving the buzzing pink bullet aside and letting his mouth assume its place.

Of course, you yelped.

“Joel!”

You winced, both from saying his name and feeling so raw. Joel grinned at the sound and suckled your clit.

It was drenched. You and Joel, too, were doused all over and practically gleaming under the rays of late afternoon sun then pouring through the window. For a second, you cast a look outside like you had before, but it was only to brace your body for the bliss at hand. You stared and felt a crude, carnal shockwave seize you head to toe. It traveled fast and made you release, again, or else just continue the same flow as before—and this time, into Joel’s waiting mouth. He lapped at you feverishly now.

He squeezed your legs and licked you dry. He worked in merciless circles, like his life might have depended on making you stay at this peak. All the while, you were tearing at his hair. Riding his face as your body fell apart.

That was alright. This pleasure was yours for now, but there was still time yet to make it worth his while, you reasoned in a half-intoxicated state. Your legs vibrated as you started to crawl—limp—back up in the bed and, numb with elation and a desperate need to please, you stretched your arm toward the night stand. You huffed.

You reached blindly but got it. The box. Weak fingers found the first plastic strip and tore yourself a square. Then, lifting it to Joel, you ignored the last stabs of pleasure between your legs. This was fun, but still his.

“Go on,” you told him, breathless, “Fuck me.”

Joel quirked a brow. He took the condom, still panting himself. He brought the latex to his tip out of habit, then:

“Yeah? Are you sure?”

“Uh-huh.”

Your head was swimming. Somewhere entrenched in the furthest recesses of your brain you could feel it, that dizzying, self-centered pleasure. You pushed it back.

You suffocated it, and you spread your legs wide for him. You let him lay you down and tug the rubber over his cock, then nudge at your hips to situate himself in just the right way. How he liked it. He seemed to be content, and your heart swelled. In this airy, buoyant state, you felt more at ease to speak, sure that he’d understand.

“This should cover some of it, right?” you panted out.

Joel slowed.

“What?”

You sucked your bottom lip between your teeth, eager to keep going. But you steeled yourself, just barely, then.

“Sex. Now,” you said, “It’ll cover some of my car repairs.”

Instead of nodding like you’d expected, Joel only blinked. Then you opened your mouth to speak again, and his body stopped you cold. He planted a hand beside your head on the pillow and raised his hips; you felt his heat leave with it. You reached for his backside immediately, to try and pull him back into that pre-missionary position he’d held, when Joel brushed you off. His face was hard.

“Money?” he quipped.

“Yeah,” you started, then remembered how you talked outside of the bedroom, when he seemed more serious, “We’ll go again. All week. You can even put it in my—”

Joel balked, like you’d just slapped him across the face.

“No,” he said, sharp.

“No,” he repeated, more to himself this second time. Almost as though he couldn’t believe what you were suggesting—and making him guilty by association.

Joel clenched your pillow like a vice and shook his head.

“You’re not getting paid for this,” he finished, and when your gaze penetrated his, confused, he squeezed harder.

“Thought you wanted it.” Joel added, almost shamefully.

“I do! I do…I just—” you sputtered.

“What? Think you need to offer up a week and a half of fucking to make it worth my time? Is that what this is?”

Well, in a way, maybe.

You weren’t sure what to say. Former dizzying bliss was dwindling fast, and now you were facing him cold. Sober.

Increasingly irritated, again.

“I just need money, Mr. Miller—”

“It’s Joel, hon,” he bit back, for the fourth time that day. His eyes flared with something more, maybe annoyance, but then he was tempering it just as fast. He ran a hand through his damp grey hair and shook his head, pausing, “It’s Joel. I know you need the money, baby, but it’s—”

“It’s what we agreed,” you protested, “What I need—”

“Well it’s not what I want!” Joel barked.

Anger surged again, and this time, evidently, the feeling was harder to keep at bay. He was scarcely able to rein in his features, settling on a grave little scowl instead of a frown, and he sucked in shorter, shallower breaths through his nose. You felt him let your pillow go.

“Forget it—the cash.” Joel grit his teeth even tighter, “Forget these payments and the goddamn allowance I’ve had you on. I can’t do that anymore. It’s not right.”

Your heart sank.

You didn’t know what to say.

Luckily, Joel’s voice resumed on its own.

“Whatever you want, whatever you need, sweetheart…”

He stopped. Silence followed, then stretched on for one full, terrible minute. In that interim, you could see his chest rise and fall fast. He was trying to slow it down.

“Whatever you need paid off, I’ll do it. Anything. You don’t have to touch me again. It was wrong of me to allow that in the first place,” he rejoined, tone cooling.

Sounding guilty, too.

Above you, Joel didn’t seem keen on holding your gaze, so he fixed his stare someplace on the headboard instead. Then he moved off your body, slowly.

In spite of the distance he attempted to give, he was still crowding your space. Looming large and bare and weary as you’d ever seen him, knees shuffling back awkwardly through a mass of cotton sheets while his eyes shifted low. Away. The rest of him filled your lungs with a heady cologne scent and your stomach with a thousand tiny blades—you were hurt that he wasn’t sticking to his end of the bargain. You were mad that he was trying to claim the moral high ground now, after everything you’d done.

Mostly, though, you were just upset that you felt like you were losing someone close. That Joel Miller was more of a confidant, friend, and father figure than your own dad had ever been, and that got all fucked up over money. Your lips pursed, and something stung behind your eyes when you reached for him again. Your throat stung, too.

“The reason I agreed to do this,” Joel went on, and the ache in your head worsened when he winced from your touch, “was ‘cause I didn’t want you getting ‘help’ from anyone else. I was selfish. And that’s not an excuse…”

He started to move off, hand dropping from yours.

“…but it’s the truth. I’m sorry.”

At length, Joel found your gaze, and the eyes said it all over again: I’m sorry. You might’ve believed them, too.

But you were you, and you couldn’t help but press:

“Why?”

Your voice was small. Joel was trying to stand from the bed, but you grabbed at his hand again and made him meet your eyes. Confusion was painted across his own.

Kneeling in front of him, curious, you tried to clarify.

“Why’d it have to be you?”

Judging from Joel’s expression as soon as you did, you got the sense that this question made him feel dumb. He frowned, but he held your stare and answered anyway.

“Because I wanted you first,” he replied, “Before all this.”

Your stomach twisted. He did?

You didn’t need to ask twice to know what that meant. What he’d said, in words and with a look, was enough. Still, it was always in you to know more, to be sure, so you crept a little closer. You let your hands roam up and—

“No,” Joel said, as soon as your fingers reached his side.

You’d just wanted to feel him, maybe prod him further on what he’d just said through acts that didn’t require verbal articulation, but he refused. He backed up in bed.

“This isn’t about—” he started, low.

“Sex. I know,” you answered for him. Then your touch grazed his thigh, and you were dying to have more. To be told in a way you both knew and understood. To touch, “You want me to believe you really…liked me before?”

“More than you know.”

There was that blunt, open pragmatism in the Joel you’d always known. Perhaps guided by natural inclinations, or else your hand on his leg, drawing higher. Moving closer.

Showing skepticism through your eyes and the hint of a playful, disbelieving smile starting to curl at your lips.

“When you met me?” you teased.

You’d known of Joel for years, and had met him a couple times as a teenager at various firm holiday functions. You probably hadn’t exchanged more than ten words altogether before starting law school a few years back.

“Hell no,” Joel answered, fast, “When you started work.”

His gaze was timid again. It was fixed on his thigh where you’d started to slide your index up the warm, muscled expanse of his skin, and though you could tell he was more than hesitant, you wanted to know. Wanted to feel.

It wasn’t so easy convincing a man you’d been working for—and fucking, largely without feeling—to pay bills that you wanted him here and now. But you needed to try.

That maybe, somewhere along the way, you’d come to want him, too. That cash wasn’t the only thing at stake.

You crawled between his legs, then straddled his hips.

Your lips smiling still as you did: “How much?”

Joel blinked back. Dazed.

“What do you m—”

“How much did you like me? When did it start?”

Joel sighed when your heat rubbed his. He tried grabbing ahold of your hips, when you glanced down and saw he’d already discarded the last condom. You couldn’t have that if you wanted to continue this talk.

You reached back and grabbed another.

“Darlin’,” Joel said, strained, “We shouldn’t…”

“Says who?”

You’d already worked the rubber halfway down his length when his heavy-lidded gaze locked with yours. You saw lust there, mixed with worry. Curiosity. You kept going.

“Says your dad, if he ever finds out what I’ve done to his little girl,” Joel replied, closing his eyes at the feeling.

You had the latex worked down to the base of him when you smiled. Felt him seize your hips, lids fluttering open to find you in their soft, glossy stare, and you felt better. Like clockwork, you went together and joined, at last. You felt Joel squeeze your backside and groan when you first sank down to take him whole. You shuddered, too.

But you tried to steady your voice as you spoke.

“Semantics, Miller,” you told him, only faltering a little, “Things you are ‘doing’ to his little girl. Not just ‘done.’”

There, you had a point. Surely your father would have had some choice words for his business partner and best friend if he knew how far Joel’s cock was currently stuffed inside your tight, wet cunt. It might even piss him off, if he weren’t too drunk to receive the news himself.

Joel blinked hard, signaling that he knew this too, and presently watched your body swallow all eight inches at once, after you’d raised yourself up to just the tip and sank back. Your ass fell to his groin with an obscene sort of squelch, and your walls involuntarily clenched. You both let out sounds of pleasure, and held on tighter.

Your hands on his chest for stability, while one of his own held your hip and the other fumbled around for your clit, gliding through the sheen of your arousal on his front. You rocked your hips and felt how much it really was—how you’d drenched his whole abdomen with your last release. You smiled at this and stared, pleased with the pretty, sticky display you’d laid bare all over Joel’s belly.

When Joel wasn’t watching you ride, he stared there too.

“Not so ‘little’ anymore,” he mused quietly. Then he looked up to find your eyes, seeing them as glazed as his, “And I ‘like’ you, hon. Present tense. Not just…‘liked.’”

Alright.

“How much?”

You wanted to say it with some confidence. Nonchalance. Then Joel’s cock nicked a particularly sensitive ridge inside your walls, and that thought was gone as quick as it had come. You gripped the flesh of his upper chest and rolled your hips harder. Let out your breaths in little fractured whimpers while you rode him more. Another sweet feeling twisted low in your gut.

With just a glimpse of that, Joel moved his hand from your heat up past your hips and waist, to squeeze one of your breasts. His fingers were wet. You could feel them, equal parts warmth and wanton yearning as the pads pinched your nipple and gave it a firm tug. He grunted.

Clearly, there was more to it than just the touching and feeling for him—Joel’s eyes drank in the sight of your skin as it glistened with the arousal he’d just smeared. He thumbed at the wet, stiff peak and swallowed. And, just as you were about to adjust the rhythm of your hips bouncing on him, his free hand joined the first and pulled you down. You cried feeling his cock wedge deep; your hands fell to either side of his body when he yanked your face down to his. He fucked up into you from underneath

You squealed, soft, “Joel!”

He kissed your open mouth. Made you lay flat overtop him while he fucked your dripping hole. You whimpered.

“Joel—” Again.

“I like you so much, sweetheart,” he said, in answer to your last question, lips close, “Does she like me too?”

As if to save him the trouble of a swift reply in words, your body told him instead. You squeezed around his cock, and with another desperate cry, bit his shoulder. He hammered your poor, aching pussy with a groan of his own, and he held your body down to his. Grinning.

Kissing the side of your head while he pounded away. Stroking your hair, “Is that a ‘yes’? She like her daddy?”

Drool was bound to slip out of your mouth any second. Your lips were locked in a permanent ‘o’ while he drilled from under you on the bed. Still, you managed to nod.

“Uh-huh—oh, fuck, fuck, da-ddy. Yes, daddy.”

You squeezed your eyes shut as another blistering wave seared your insides. Joel was relentless with his thrusts now, driving himself in and out without stopping or slowing. He must’ve known you were close. He was too, judging by the sounds of his grunts and hushed tone.

“Let daddy take care of her then, baby. All of her. OK?”

His words trickled through your ear as sweet as honey. His cock was less kind, but that was okay—you liked it.

You loved him here. Taking care of you. Her. Everything.

And, in this half-coherent state of fuckdrunk pleasure, you were tempted to give in to whatever he begged.

It would be so easy. Joel cradled your face in his hand, practically beaming with pride while he fucked you over and over, and your legs were spread, walls were stretched, eyes practically rolling back, and you felt more secure than you’d been in ages. Joel could care for you.

He rubbed his thumb over your cheek and hummed.

“Daddy’s got you,” he said, voice all warm assurance.

Nudging you closer and closer to your peak—and perhaps some other form of surrender. Release.

Submission?

Joel wouldn’t be so bad for that.

He could fuck you well and leave you content. Make you forget what it meant to be strapped for cash and saddled with guilt and worry over bills every month. Joel could provide, for now. His eyes said as much; his fingers threaded through your hair and rubbed your scalp. He cupped your face, all fifty-six years in his own looking as handsome as they’d ever been. He felt good. He felt safe.

You were hot. Your legs trembled and ached.

“Is that something you’d want?” he pressed.

And, still holding Joel’s gaze with a heavy-lidded, fucked out look of your own, you surprised yourself by nodding, slowly. Your body was spent, but the curve on your lips, then his, was sincere; Joel nodded back as he grinned.

“Yeah? You mean it, sweetheart?”

He flipped you both over and got on top, never breaking apart. You wound your legs around his back and let him cup your cheeks again, and from this angle, you felt it. You wouldn’t try and fight it now; you just kissed him.

Then you came for a third time, walls clenching and squeezing and gushing again, smearing Joel’s front as he fucked you right through it. His groans were a little more subdued than yours, but in their timbre, you could hear his desperation. He emptied himself inside you, in the condom, and kept holding your face all the while.

You felt a low pulse between your legs. Then another. And another. And another. Joel’s hips began to still, his hefty greying belly bumping lightly against your skin while he drained what was left in his balls, and you swore that his bones might’ve creaked from the sheer force of those final thrusts. He seemed exhausted. Somehow, though, the man looked even better in this state—haggard and worn as he was, the face above your own was soft. Smiling, faintly, and kissing you constantly.

You couldn’t pretend you didn’t enjoy it; you were far too tired and fucked out of your mind to protest right now.

Joel trailed a path with his lips from your chin to your ear. He kissed the hinge of your jaw and sank himself deeper.

“Mr.—” But you caught yourself, shortly, “…Joel.”

He lifted his head, not apologetic in the least.

“Maybe just one more—” he started.

“No,” you finished for him, sharp.

Still smiling, but with your eyes on him in a thinly veiled threat. Joel accepted that and kept his dick where it was.

What followed was gradual but natural enough. A little awkward as you broached that uncharted territory of remaining in the other’s presence after the deed was done, but Joel didn’t seem like he wanted to leave the bed, and you had nowhere else to go until dinner with your dad at eight. There was a moment you wanted to separate your body from Joel’s, if only to slip off to the bathroom by yourself, but the man just held you closer.

“You think your old man will mind if I joined tonight?”

Here the fuck we go.

“He’ll kill you.”

You pushed hard against his hold without getting so much as an inch of give. Joel had to fight back a chuckle.

“Oh, yeah? Why?”

“Because,” you began in a huff. Wriggling with very little success in his arms, while you were pinned in missionary, “I smell like you. You smell like me. My dad’s a drunk, but he can sniff stuff like that out in a heartbeat. Too risky.”

You punctuated those words with a still more serious look, but before you could nudge at his chest again or say something more, you were forced to swallow a scream. Joel’s grip tightened even more, and he moved to stand up from the bed—with you still in his arms and impaled on his cock. He started to walk to the bathroom.

“Great. Shower’s got plenty of room for the two of us.”

“Joel!”

“Glad I don’t have to keep reminding you of my name.”

His voice was smug. Your gaze was hard. Joel was still hard himself, amazingly, and you almost groaned when you felt the head of his cock bump somewhere soft and sensitive inside. He toted you into the big, bright room.

“If not tonight, how ‘bout tomorrow? Just you and me.”

He would never stop this shit. He reached for the faucet.

“Still too dangerous. You know that,” you chided. Your resolve only wavered a little when you felt the hot water start to pelt at your back. Joel closed the glass door, “Besides…I need to focus on figuring my shit out right now. Work and bills and getting myself a rental car soon.”

Joel paused. He turned, still holding you.

Then, just as swiftly as he’d stepped inside, he carried you right back out of the shower. You whined in protest.

He took you over to the bed and set you down. He left to find his wallet and keys. You might’ve been tempted to voice your displeasure in some other way—namely, by marching back to the bathroom, locking the door, and bathing alone—but before you could speak a word, Joel was back. He looked down at you and held out his fist.

“What’s—”

“Your dad and me’ll be up to our eyeballs in bullshit working the Garcia audit tomorrow—and I know you don’t want him seeing us leave together anywhere—so we can meet at Bohanan’s at six. How does that sound?”

You blinked.

“I don’t…have a car.”

Joel opened his hand. Keys dropped out.

In a single glance, you could see they weren’t his.

Joel drove a garish Super Duty F-450, not an Audi. The cogs were quick to turn in your head, but clearly not fast enough, because Joel was closing your fingers over the keys before you could breathe so much as a syllable to him. When you did, it came out more like a stutter. Palpably mad but far too rattled to get much out:

“Joel, I-I can’t—”

“I’ve been meaning to buy one anyw—”

“You’re insane,” you started to push the keys back, and for some reason, your heart was thudding extra hard as you did. You went on, unblinking, “You don’t…need to.”

“I want to.”

Joel’s hands were warm when he pressed both of his palms to secure yours between them. He could probably feel the way it shook a little, but he didn’t seem to care. His gaze was too busy trying to find, and hold, your own while you swallowed and stared and racked your numb brain for any words of defiance. At length, nothing came.

All you could do was meet that look. In the soft brown irises above, you could see it all—the need to comfort, and care, and provide where he could, offer better than the hand you’d been dealt and maybe, interspersed with those feelings somewhere, a simpler need in him to give.

For once, you wanted to believe it.

Fun fact: This fic was inspired by true events‼️💯 My life 😫🤪😤😈 Like reader, my truck is also busted as SHIT and needs $2,700 in repairs!!!! Unlike reader, I will not be sucking and fucking Joel Miller to recoup my losses (not asking for donations, just wanted to give y’all a giggle at my misfortune LOL)

[stories-and-chaos]

Shrike: Drinks with Mimzy

[Hazbin Hotel reader insert as Alastor’s “darling life and death partner” Ace x ace relationship, both parties are moderately sex favorable.]

[One shot, word count 1587. Cw: aphobia, alcoholism, cursing]

——————

The day after Lucifer’s visit, you went hunting. Not for souls or deals. Or…well one soul and in particular. And you didn’t intend to make a deal with this one. It took some time, checking various bars and clubs. You didn’t know which ones she was likely to frequent nowadays; being an Overlord didn’t give you much chance to go bar hopping with girlfriends.

So it wasn’t until early evening that you found her. Sitting at the bar, clearly tipsy, nursing another glass of whiskey, and bitching to the clearly annoyed bartender was Mimzy. You watched her finish her latest glass. “Gimme another one a these sugar.”

“Make that two, cher.” You came up next to Mimzy and slid a bill to the bartender. He looked even more annoyed at the idea of there being two whiny bitches at his bar but he got your drinks. “Thanks cher,” you said with a smile.

Mimzy glared at you. “Ugh, the fuck do you want?” It didn’t stop her from grabbing the drink you paid for.

“What, I can’t buy my friend a drink or five?” You expected hostility but damn. This seemed excessive. Fortunately you knew the way into her good graces: free drinks.

“Friends?!” she growled. “You come here saying we’re ‘friends’ after what your husband just pulled on me?!”

You sipped your whiskey, doing your best to let her fury wash over you. “From what I saw, Alastor pulled you out of yet another situation, and told you to take off because your problem trashed the place.”

“Like those sharks made much of a difference to that tacky joint. If anything I did you bastards a favor, free demolition.” She laughed nastily and finished her drink. You caught the bartender’s attention and nodded to Mimzy. You slid him another bill as he supplied her with another glass; it was high enough denomination to cover whatever she’d had already.

“Maybe you have a point, cher.” Not really, but you didn’t want her to close you out yet. You needed her less hostile, at least for now. “Here, let me treat you today Mimzy. Make it up to you.”

“Oh you know just how to butter me up doll.” The curvaceous blonde gladly accepted. If she owed 50 grand to loan sharks, doubtless she had tabs at every place in the city that sold alcohol. Which made up the majority of businesses in Hell.

You drank sparingly, just enough so she felt you were having a grand time together. You had the bartender keep supplying her refills; he seemed in a better mood now that someone else was dealing with the sloshed demon.

You let her bitch about everything in her afterlife and responded with soothing noises. In the end, you wanted to know how much shit she was in. This was the first time Alastor had sent her packing; you weren’t sure how she would react. You hadn’t missed the pink mark on her back on her shoulder blade. It hadn’t been there the last time you’d seen your old colleague.

Once she paused in her rambling, you asked about the mark. “I never expected you to get a tattoo, cher. What convinced you?”

The drinks and your apparent sympathy were enough to keep her talking, especially if it was something else to bitch about. “Ugh, that. Had to get it for work. One of the club owners works for someone that works for someone that works for one a’ the Sins. Greed’s head honcho.” She sipped her drink, starting to slow down as she got drunker. “The Sin bastard likes to mark any Sinners working for him, like some horny creep.” She downed the rest of her current whiskey.

“‘Course if you and your beau were properly grateful. I wouldn’t be dealing with this shit.” She pointed at you, empty glass in hand, her eyes looking unfocused and angry. The bartender moved to give her another drink but you made a cutting motion. This was the first time you heard anything of this.

“Grateful for what?” You asked, unable to help yourself. You honestly couldn’t remember what she could be talking about.

She looked at you, black and pink eyes wavering. “Fucking, of course!” You could only tilt your head. “Jesus Christ, it’s been a century and you’re still clueless? It ain’t cute anymore dollface.” Mimzy set her glass down harshly. “Sex, Y/N. S. E. X. If me and the gals hadn’t said anything, you and Alastor woulda never figured it out. You’d probably still be frigid little virgins in Hell.”

Your jaw dropped as you felt a cold spike in your core. You actually had to look down to make sure you hadn’t been stabbed. No, it was just words from someone you’d still thought of fondly. The alcohol didn’t excuse Mimzy; if anything it made her more honest.

Has she always felt like that? No… you remembered her saying she thought you and Alastor were good together. That she wanted you both to be happy. Somewhere in all those decades between then and now, things changed.

She was smirking as you processed all this, glad that she managed to hit you where it hurt evidently. In the way only people who are hurting can do, she kept pushing. But she didn’t realize what exactly hurt you. “You’re probably both terrible in bed too. Lemme guess, you just lay there while he tries to remember where to stick it?” Mimzy kept going as you stayed silent.

As her insults grew, the betrayal of a friend gave way to comedic disbelief. You started chuckling, then you were outright laughing, pounding your taloned fist on the counter. It was a good thing you had finished your drink because all the glasses around you jumped.

“What the fuck is so funny?” Your laughter finally got her stream of rudeness to stop. The indignant look on Mimzy's face just made you laugh harder, your feet kicking in glee.

“Oh, damn, I’m gonna pee myself. Fucking Hell Mimzy! Oh fuck, I needed that laugh.” You wheezed and took deep breaths until you could look at her reddened face without laughing. “Cher, you got one thing right; I still don’t understand all this nonsense about sex. Alastor still doesn’t either.

But that’s never mattered. I’ll never understand why you people think that’s so important to us. Maybe we wouldn’t have ever done it. I doubt that but we also would never have cared. You and so many others are so obsessed with sex that you can’t even imagine a relationship without it! It would be sad if it wasn’t so hilarious.”

Mimzy blinked at you, confusion, anger, and drunkenness warring in her expression. “Even now, you don’t get it! Cher, you insulting us about sex didn’t hurt. You’re a friend and my friend thinking I was stupid hurt.”

You ran your hand down your face. “Mimzy, cher, I’m just going to back up my darling here. If you want to redeem yourself, you’re welcome at the hotel. But don’t come calling otherwise. Especially if what’s his name, Mammon? The Greed Sin, comes after you. We’ll gift wrap you for him before we tussle with a Deadly Sin.”

Pulling the bartender aside, you paid for her outstanding tab, along with tonight’s drinks and a generous tip. “I paid your tab here, so you can call that payment for that talk years ago. Find me when you decide to not be a bitch.” You tucked one of your feathers into her headband. “Au revoir cher.”

Mimzy snatched the feather out and crushed it in her hands. “I don’t need you or him. I don’t need your hotel! I hope those angels kill all of you next Extermination Day, bitch!”

Back at the hotel, Alastor was in the parlor, listening to Charlie’s plans for her visit to Heaven. “Soooooo, how did it go?” he asked in a sing-song tone once he spotted you. You’d told him your plan to find Mimzy before leaving.

“As well as could be expected. I don’t think she’ll bother us anymore. I told her we’d gift wrap her for whoever came looking if she tried something like yesterday again.”

“Hmm, but that would be such a waste of good gift wrap.”

Later that night, in your suite, you went into more detail about your conversation. You were on Alastor’s lap, venting your hurt and tears. “I know she’s gotten worse in Hell, that she’s been using you, but I thought she was still our friend.” He let you get it all out, handkerchief at the ready when you were.

“I thought so as well, cher,” he said quietly. “I hate to admit it but Husk pointed it out to me. We can’t have her interfering though.”

“No,” you said simply, drying your eyes.

Alastor looked down at you, that sharp edged smile just a bit softer than usual. “I think I know what can help you for now, my dear.” With that he stood you both up and started humming, a question in his eyes. Your voice felt a bit hoarse from crying but you hummed along, practice making you harmonize. Then he swept you into a dance.

After a few numbers, you felt up to singing. The two of you danced until you were tired (Alastor probably could have kept going but he didn’t have an emotionally stressful day). That night you fell asleep in his arms, glad you’d married someone that understood you like he did.

——————

A/N: this is more than a little self indulgent on my part. My frustrations with aphobes knows no bounds. Kinda prompted after discussion with a therapist concerning aphobia and the nonsense acespec people deal with. Never forget how valid you are. 💜🤍🩶🖤 💚🤍🩶🖤 Cheers darlings!

@whitewolfsoldat @edgyboi10000 @ch3sire-blu3 @clearly-awkward @badatpunz @bengewatch @chewbrry

[nyaagolor]

The software I use at work is Not Working and I have an hour to kill before I can go home so here’s some HCs about assorted characters’ living situations bc I wanted to make notes for myself for fic purposes:

Phoenix: Used to live in a regular apartment, but moved into the apartment above Wright and Co Law offices with Trucy after his disbarment. Edgeworth paid off the building’s mortgage after Turnabout Goodbyes so Phoenix doesn’t have to worry about rent

Edgeworth: Owns a penthouse in LA. He rents hotel penthouse suites while in Europe but doesn’t have a permanent one anywhere other than LA because he thinks it’s a hassle. There’s a locked room in the LA penthouse filled with Steel Samurai merch

Gumshoe: Rents the shittiest basement studio you have ever seen. Does not own a bed. Genuinely questionable if the building is up to code (it’s prolly not)

Maya: Lived in Kurain Village until Mia’s death, then moved into the apartment above the office. After BttT she moves back to Kurain

Pearl: Lived in Kurain until her mother’s incarceration, then moved in with Maya in the upstairs apartment, then back to Kurain with Maya after BttT

Mia: Lived in Kurain Village until she founded Fey and Co law offices with Diego, at which point they moved into the apartment upstairs together until her death

Diego: Lived in a regular LA apartment until he founded Fey and Co with Mia. They moved into the upstairs apartment together until his coma. When he wakes from the coma he spends about half a year recovering in the hospital, then throughout AA3 just loiters around the courthouse because he refuses to speak to Phoenix. After BttT he goes to prison and moves in with Maya and Pearl in Kurain Village after his release

Franziska: Technically lives in the von Karma estate with her mother and sister, but is so busy traveling that she mostly stays in hotels. She used to spend holidays there, but Edgeworth has taken to inviting her to stay with him because she's not very close with the rest of her family, so now her room is mostly just storage.

Ema: Her and Lana lived in their parents’ house together until Lana’s imprisonment, during which Ema moves to Europe with an exchange family. When Ema returns from Europe, she moves back into the house with Lana joining her when she’s released

Apollo: He lived on the road with Thalassa and Jove until the latter’s death, then with Dhurke in the countryside, then in an American orphanage until he was 18, at which point I imagine he crashes on Clay’s couch for most of law school because he is technically an orphaned illegal immigrant with absolutely no money or credit. The internship with Kristoph and his job with the WAA gets him enough money to actually rent a place, but his lack of documentation and student loans mean he’s in the cheapest possible apartment. He keeps it extremely neat but there's only so much one can do. He and gumshoe can commiserate about it.

Trucy: Lived mostly on the road / in the tourbus + hotels with her dad and the troupe until she was adopted by Phoenix, at which point she moved into the apartment above the WAA

Klavier: Lived in his parents’ mansion with Kristoph until going to Themis. When he moved back he had enough money from gigging / his band to buy a fancy ass house and still lives there. It’s a little lonely by himself but when he let Daryan throw parties there it was POPPIN

Kristoph: Lived in his parents’ mansion his entire life. He got ownership of it when they died and raised Klavier in it, and continued to live there until he got arrested. Now he’s cushy in solitary cell 13

Athena: Lived in the space center then was shipped off to European relatives when her mom died. When she moved back to the states she got a decent apartment bc her WAA income was supplemented by those rich as hell European relatives

Simon: Lived in a small apartment with his sister growing up, which he continued to live in after she moved to the Space Center. It was sold when he was incarcerated. After his release he moved in with Athena briefly (no one thought it was a good idea for him to live alone) then to a small but nice apartment, which Edgeworth paid for until he could get back on his feet financially

[page-98]

Muse: Adelaide

"Enjoy your vacation"

That's what the memo Edward had telegraphed. Made her waste all the effort leaving her hotel to the location, paying for the message. Just to remind her to enjoy her vacation. A planned vacation in Portugal because he got a rumor that an old "associate" was now living here. She was to make sure it was in fact the same man who conned him out of millions of dollars. Then if it was to kill him with a certain gun.

A week and a half ago, he came to visit while she was still packing. The arrogance of the man, her employer, who killed her mother out of sheer jealousy. Still flaunted that he will always have leverage over her. Her emotions will always be mixed when it comes to him. He calmly strutted over, making idol chit-chat before revealing the real reason. He presented a small weapon case. He opened it and found a gold-plated, ivory, handle revolver. It was well crafted and customized. Then the story began. He picked up the gun and examined it, his piercing blue eyes, apparently remenicing.

"Jaime Santiago and I were once friends. He came to me, in his usually over-confidante manner. He needed to borrow ten million to start up this business. The deal was to lend him ten million and he would repay me 20 million. This gun, was precious to him, that I did believe. He gave it to me as equity, a loan. As a businessman myself and a good friend, I gave him six years to repay the loan. Then six years passed and he didn't want to pay...then months passed. The same BS that his business wasn't quite making it..then a few months later I've come to realize he had split his business into three and altogether they were worth well over 300 million," he paused placing the gun back in its custom casing.

He then picked up a bullet, it too was gold and she noticed there was some sort of engravement on it. On all the bullets that lay in the case. "And he couldn't pay a measly twenty mill," he seethed, disappointed and disgust apparent. "So I hired a contract on him," he said simply putting back the bullet. "He ran, he hid. He's been hiding for about twelve years now," he finished. He paused as he stared at her. She stared back unflinching. He leaned in closer and whispered. "I don't care how you do it, as long as you use this gun and put these bullets threw his head," Edward noted.

Now she was in Ribeira at a bustling cafe at night. She sipped on a latte and kept her eyes on the newspaper. She looked like a rich local who frequented the area. She didn't know Portuguese, she was studying the language in the meantime. She had to admit the views were nice. However, the views were nice everywhere she went. Edward was part of the High Table, they traveled to all the best locations the world had to offer. Though this....was supposed to be a grace period, a vacation. Yet here she was spying on a man in his late 50s buying drinks for anyone who would lend him an ear.

She watched as Jamie Santiago started to stumble off. Apparently a bit tipsy, a bit done. She began to tail him. The city was alive at night, with people partying late. Though she knew sooner or later there would be an opportunity. She kept her distance until he turned down a small alleyway. Just big enough for a small car to pass through. She quickened her pace as she put her hand in her purse. The gun was already loaded with the bullets with vindicta engraved on them. Santiago stopped as he tripped over a small pothole. Adelaide smirked as she neared pulling out the gun out of her purse.

@nytehavyn-circle

[beardedmrbean]

It was the most spectacular trial ever held in Vietnam, befitting one of the greatest bank frauds the world has ever seen.

Behind the stately yellow portico of the colonial-era courthouse in Ho Chi Minh City, a 67-year-old Vietnamese property developer was sentenced to death on Thursday for looting one of the country's largest banks over a period of 11 years.

It's a rare verdict - she is one of very few women in Vietnam to be sentenced to death for a white collar crime.

The decision is a reflection of the dizzying scale of the fraud. Truong My Lan was convicted of taking out $44bn (£35bn) in loans from the Saigon Commercial Bank. The verdict requires her to return $27bn, a sum prosecutors said may never be recovered. Some believe the death penalty is the court's way of trying to encourage her to return some of the missing billions.

The habitually secretive communist authorities were uncharacteristically forthright about this case, going into minute detail for the media. They said 2,700 people were summoned to testify, while 10 state prosecutors and around 200 lawyers were involved.

The evidence was in 104 boxes weighing a total of six tonnes. Eighty-five others were tried with Truong My Lan, who denied the charges and can appeal.

All of the defendants were found guilty. Four received life in jail. The rest were given prison terms ranging from 20 years to three years suspended. Truong My Lan's husband and niece received jail terms of nine and 17 years respectively.

"There has never been a show trial like this, I think, in the communist era," says David Brown, a retired US state department official with long experience in Vietnam. "There has certainly been nothing on this scale."

The trial was the most dramatic chapter so far in the "Blazing Furnaces" anti-corruption campaign led by the Communist Party Secretary-General, Nguyen Phu Trong.

A conservative ideologue steeped in Marxist theory, Nguyen Phu Trong believes that popular anger over untamed corruption poses an existential threat to the Communist Party's monopoly on power. He began the campaign in earnest in 2016 after out-manoeuvring the then pro-business prime minister to retain the top job in the party.

The campaign has seen two presidents and two deputy prime ministers forced to resign, and hundreds of officials disciplined or jailed. Now one of the country's richest women has joined their ranks.

Truong My Lan comes from a Sino-Vietnamese family in Ho Chi Minh City, formerly Saigon. It has long been the commercial engine of the Vietnamese economy, dating well back to its days as the anti-communist capital of South Vietnam, with a large, ethnic Chinese community.

She started as a market stall vendor, selling cosmetics with her mother, but began buying land and property after the Communist Party ushered in a period of economic reform, known as Doi Moi, in 1986. By the 1990s, she owned a large portfolio of hotels and restaurants.

Although Vietnam is best known outside the country for its fast-growing manufacturing sector, as an alternative supply chain to China, most wealthy Vietnamese made their money developing and speculating in property.

All land is officially state-owned. Getting access to it often relies on personal relationships with state officials. Corruption escalated as the economy grew, and became endemic.

By 2011, Truong My Lan was a well-known business figure in Ho Chi Minh City, and she was allowed to arrange the merger of three smaller, cash-strapped banks into a larger entity: Saigon Commercial Bank.

Vietnamese law prohibits any individual from holding more than 5% of the shares in any bank. But prosecutors say that through hundreds of shell companies and people acting as her proxies, Truong My Lan actually owned more than 90% of Saigon Commercial.

They accused her of using that power to appoint her own people as managers, and then ordering them to approve hundreds of loans to the network of shell companies she controlled.

The amounts taken out are staggering. Her loans made up 93% of all the bank's lending.

Vietnam secret document warns of 'hostile forces'

US denies Cold War with China in historic Vietnam visit

The country where Kissinger left a legacy of death and chaos

According to prosecutors, over a period of three years from February 2019, she ordered her driver to withdraw 108 trillion Vietnamese dong, more than $4bn (£2.3bn) in cash from the bank, and store it in her basement.

That much cash, even if all of it was in Vietnam's largest denomination banknotes, would weigh two tonnes.

She was also accused of bribing generously to ensure her loans were never scrutinised. A former chief inspector at the central bank was given a life sentence for accepting a $5m bribe.

The mass of officially sanctioned publicity about the case channelled public anger over corruption against Truong My Lan, whose fatigued, unmade-up appearance in court was in stark contrast to the glamorous publicity photos people had seen of her in the past.

But questions are also being asked about why she was able to keep on with the alleged fraud for so long.

"I am puzzled," says Le Hong Hiep who runs the Vietnam Studies Programme at the ISEAS - Yusof Ishak Institute in Singapore.

"Because it wasn't a secret. It was well known in the market that Truong My Lan and her Van Thinh Phat group were using SCB as their own piggy bank to fund the mass acquisition of real estate in the most prime locations.

"It was obvious that she had to get the money from somewhere. But then it is such a common practice. SCB is not the only bank that is used like this. So perhaps the government lost sight because there are so many similar cases in the market."

David Brown believes she was protected by powerful figures who have dominated business and politics in Ho Chi Minh City for decades. And he sees a bigger factor in play in the way this trial is being run: a bid to reassert the authority of the Communist Party over the free-wheeling business culture of the south.

"What Nguyen Phu Trong and his allies in the party are trying to do is to regain control of Saigon, or at least stop it from slipping away.

"Up until 2016 the party in Hanoi pretty much let this Sino-Vietnamese mafia run the place. They would make all the right noises that local communist leaders are supposed to make, but at the same time they were milking the city for a substantial cut of the money that was being made down there."

At 79 years old, party chief Nguyen Phu Trong is in shaky health, and will almost certainly have to retire at the next Communist Party Congress in 2026, when new leaders will be chosen.

He has been one of the longest-serving and most consequential secretary-generals, restoring the authority of the party's conservative wing to a level not seen since the reforms of the 1980s. He clearly does not want to risk permitting enough openness to undermine the party's hold on political power.

But he is trapped in a contradiction. Under his leadership the party has set an ambitious goal of reaching rich country status by 2045, with a technology and knowledge-based economy. This is what is driving the ever-closer partnership with the United States.

Yet faster growth in Vietnam almost inevitably means more corruption. Fight corruption too much, and you risk extinguishing a lot of economic activity. Already there are complaints that bureaucracy has slowed down, as officials shy away from decisions which might implicate them in a corruption case.

"That's the paradox," says Le Hong Hiep. "Their growth model has been reliant on corrupt practices for so long. Corruption has been the grease that that kept the machinery working. If they stop the grease, things may not work any more."

[thaiattorney]

Buying Property in Thailand

Thailand is an attractive destination for property buyers due to its scenic landscapes, vibrant cities, and welcoming culture. However, purchasing property in Thailand, especially as a foreigner, involves navigating a complex legal framework and understanding the local market intricacies. This comprehensive guide will provide detailed insights, enhancing expertise and credibility by delving into the legalities, procedures, and best practices for buying property in Thailand.

1. Understanding the Legal Framework

Key Legal Restrictions:

Land Code Act B.E. 2497 (1954): Foreigners cannot own land in Thailand except under specific conditions.

Condominium Act B.E. 2522 (1979): Foreigners can own up to 49% of the total floor area of a condominium building.

Foreign Business Act B.E. 2542 (1999): Regulates foreign business activities and investments, impacting property purchases for business purposes.

Exceptions and Alternatives:

Board of Investment (BOI) Projects: Foreigners investing in BOI-promoted projects can acquire land under specific conditions.

Long-Term Leases: Foreigners can lease land for up to 30 years, with options to renew.

Thai Company Ownership: Forming a Thai company where foreigners hold less than 50% of shares allows indirect land ownership.

2. Types of Property Available for Purchase

Condominiums:

Freehold Ownership: Foreigners can own condominium units outright.

Ownership Percentage: The foreign ownership quota in a condominium building should not exceed 49%.

Leasehold Properties:

Land and Houses: Foreigners can lease land and houses for up to 30 years, with potential for renewal.

Registration: Leases exceeding three years must be registered at the Land Department to be legally enforceable.

Investment Properties:

Commercial Real Estate: Foreigners can invest in commercial properties through long-term leases or joint ventures with Thai partners.

Resort and Hotel Investments: Special regulations apply to foreign investments in resort and hotel properties, often requiring joint ventures.

3. Due Diligence and Legal Processes

Conducting Due Diligence:

Title Search: Verify the property’s legal status, ownership history, and any encumbrances or disputes.

Zoning and Land Use: Ensure the property complies with local zoning laws and land use regulations.

Environmental Compliance: Check for any environmental restrictions or issues affecting the property.

Engaging Legal and Financial Advisors:

Real Estate Lawyer: Hire a reputable lawyer specializing in Thai real estate to guide you through the legal processes.

Financial Advisor: Consult a financial advisor to understand tax implications, financing options, and investment strategies.

Steps in the Buying Process:

Reservation Agreement: Sign a reservation agreement and pay a reservation fee to secure the property.

Due Diligence: Conduct thorough due diligence with the help of legal advisors.

Sale and Purchase Agreement (SPA): Draft and sign the SPA, detailing the terms and conditions of the sale.

Deposit Payment: Pay a deposit, typically 10-30% of the purchase price.

Transfer of Ownership: Complete the transfer at the Land Department, paying the remaining balance and associated fees.

4. Costs and Taxes Involved

Purchase Costs:

Transfer Fee: 2% of the appraised property value.

Stamp Duty: 0.5% of the purchase price or appraised value, whichever is higher.

Withholding Tax: 1% of the appraised value or the actual sale price, whichever is higher.

Specific Business Tax (SBT): 3.3% of the appraised or actual sale price, applicable if the property is sold within five years of acquisition.

Ongoing Costs:

Common Area Fees: Monthly fees for maintenance of common areas in condominiums.

Property Tax: Annual property tax based on the assessed value of the property.

Utilities and Maintenance: Regular expenses for utilities, repairs, and maintenance.

5. Financing Options

Local Financing:

Thai Banks: Some Thai banks offer mortgage loans to foreigners for condominium purchases.

Eligibility Criteria: Generally, borrowers need to have a work permit, proof of income, and a good credit history.

Foreign Financing:

Home Country Banks: Some buyers secure financing from banks in their home countries, leveraging their assets abroad.

International Mortgage Providers: Specialized financial institutions provide mortgages for international property purchases.

Payment Plans:

Developer Financing: Some developers offer financing plans with staggered payments during the construction period.

Installment Payments: Buyers can negotiate installment payments directly with sellers or developers.

6. Common Pitfalls and How to Avoid Them

Legal Complications:

Unclear Title: Always verify the title to avoid disputes and ensure clear ownership.

Zoning Issues: Confirm zoning regulations to ensure the property can be used as intended.

Contractual Disputes: Have all agreements reviewed by a lawyer to prevent misunderstandings and ensure enforceability.

Financial Risks:

Currency Fluctuations: Be aware of exchange rate risks when making payments in foreign currency.

Hidden Costs: Account for all additional costs such as taxes, fees, and maintenance expenses.

Financing Challenges: Ensure you have a clear financing plan and understand the terms of any loans or payment plans.

7. Enhancing Expertise and Credibility

Demonstrating Professional Credentials:

Legal Qualifications: Highlight the legal qualifications and experience of your advisors and partners.

Professional Experience: Detail your experience in handling property transactions in Thailand.

Memberships and Affiliations: Include memberships in professional organizations like the Thai Bar Association, the Real Estate Broker Association, or international property associations.

Providing Authoritative References:

Cite Legal Documents: Reference specific sections of the Land Code Act and Condominium Act to support your points.

Expert Opinions: Incorporate insights from recognized experts in Thai real estate law and property investment.

Including Detailed Case Studies:

Client Testimonials: Feature testimonials from clients who have successfully purchased property in Thailand with your assistance.

Real-Life Examples: Provide detailed examples of successful transactions, highlighting any challenges overcome and solutions implemented.

Visual Aids and Infographics:

Process Flowcharts: Use flowcharts to depict the steps involved in the property buying process.

Diagrams: Create diagrams to visually explain key legal concepts and ownership structures.

[commercialrealestates]

What are commercial real estate services?

Commercial real estate services refer to a range of professional services and activities related to the buying, selling, leasing, managing, and investing in commercial properties. Commercial properties include office buildings, retail spaces, industrial facilities, hotels, warehouses, and other income-producing real estate assets. These services are typically offered by real estate professionals, companies, and organizations specializing in the commercial real estate sector. Here are some of the key components of commercial real estate services:

Brokerage Services: Commercial real estate brokers help clients buy, sell, or lease commercial properties. They facilitate transactions, negotiate terms and conditions, and provide market insights to help clients make informed decisions.

Property Management: Property management companies oversee the day-to-day operations of commercial properties on behalf of owners. This includes tasks such as rent collection, maintenance, tenant relations, and financial reporting.

Leasing and Tenant Representation: Commercial real estate agents and brokers specializing in leasing help property owners find suitable tenants for their spaces. Tenant representation services assist businesses in finding suitable properties to lease.

Investment Services: Investment firms and professionals provide guidance on real estate investment strategies. They may help investors acquire, manage, or divest commercial properties to optimize returns.

Appraisal and Valuation: Appraisers determine the market value of commercial properties, which is crucial for financing, taxation, and decision-making purposes. Valuation services help property owners understand the worth of their assets.

Development and Construction: Developers and construction companies focus on creating new commercial properties or renovating existing ones. They handle the design, permitting, and construction phases of commercial real estate projects.

Financing and Mortgage Services: Lenders and financial institutions offer loans and mortgage products tailored to commercial real estate projects. These services help property buyers secure the necessary capital for their investments.

Market Research and Analysis: Real estate research firms provide market data, trends, and analysis to assist clients in making informed decisions. This includes information on vacancy rates, rental rates, and demand trends.

Consulting and Advisory Services: Real estate consultants offer strategic advice and planning services to property owners, investors, and developers. They may help clients optimize property portfolios, assess market risks, or formulate investment strategies.

Legal and Regulatory Services: Real estate attorneys specialize in handling legal aspects of commercial real estate transactions. They ensure that contracts, leases, and other legal documents comply with local laws and regulations.

Environmental Assessment: Environmental consultants assess commercial properties for environmental risks and compliance with environmental regulations. This is particularly important for properties with potential contamination issues.

Property Tax Services: Property tax consultants assist property owners in managing and minimizing property tax obligations by evaluating assessments and pursuing tax appeals when necessary.

Overall, commercial real estate services encompass a wide range of activities aimed at facilitating the acquisition, management, and optimization of commercial properties, with the goal of maximizing returns and minimizing risks for property owners, investors, and businesses.

[fincrif]

Good Reasons to Take a Personal Loan

In today’s fast-paced world, financial needs can arise unexpectedly. Whether it’s a medical emergency, home renovation, or higher education, a personal loan can be a quick and convenient solution to meet urgent financial requirements. Unlike other forms of credit, personal loans offer flexibility, minimal documentation, and instant disbursal, making them a preferred choice for many borrowers.

If you’re wondering whether a personal loan is the right option for you, here are some of the top reasons to consider taking one:

1. Debt Consolidation

Managing multiple loans or credit card payments can be overwhelming. A personal loan allows you to consolidate all your debts into a single loan with a lower interest rate. This not only simplifies repayments but also reduces the overall financial burden. You can explore options like IDFC First Bank Personal Loan or Axis Bank Personal Loan for competitive interest rates and flexible repayment options.

2. Home Renovation and Improvement

If you’re planning to upgrade your home, a personal loan can help cover renovation costs, including repairs, new furniture, or home automation. Unlike a home loan, a personal loan does not require collateral and can be availed quickly. Institutions like Tata Capital Personal Loan offer attractive loan options for home improvement projects.

3. Medical Emergencies

Medical expenses can be unpredictable and expensive. Whether it's hospitalization, surgery, or long-term treatment, a personal loan ensures that you get the necessary medical care without financial strain. Many lenders, including Bajaj Finserv Personal Loan, provide quick disbursal to handle medical emergencies effectively.

4. Higher Education and Skill Development

Education is a long-term investment, but tuition fees and study materials can be costly. A personal loan can help cover the costs of higher education, certification courses, or skill development programs without depleting your savings. Axis Finance Personal Loan is a great option for those looking to finance their educational needs.

5. Travel and Vacation Planning

Dreaming of an international vacation? Instead of dipping into your savings, you can take a personal loan to fund your travel expenses, including flight tickets, hotel stays, and sightseeing. With travel-friendly loans from lenders like InCred Personal Loan, you can plan your dream vacation without financial stress.

6. Wedding Expenses

Weddings can be expensive, and not everyone has the financial backup to cover all costs upfront. A personal loan can help manage wedding expenses, including venue bookings, catering, and photography. Financial institutions like IDFC First Bank offer hassle-free wedding loans with minimal paperwork.

7. Business Expansion

If you’re an entrepreneur looking to expand your business, a personal loan can be a great alternative to a business loan. It provides the necessary capital for purchasing equipment, hiring staff, or marketing without lengthy approval processes. Bajaj Finserv and Tata Capital offer competitive business expansion loans with flexible tenure.

8. Buying Gadgets and Electronics

High-end gadgets like smartphones, laptops, and home appliances can be costly. Instead of using a credit card with high-interest rates, a personal loan can be a smarter option. Axis Bank Personal Loan provides easy financing options for gadget purchases.

9. Unforeseen Expenses

Life is unpredictable, and sometimes unexpected expenses arise, such as urgent car repairs or legal fees. A personal loan can serve as a financial cushion, ensuring you don’t have to compromise on other essential expenses. InCred Personal Loan is a reliable option for such unforeseen financial needs.

Conclusion

A personal loan is a versatile financial tool that can be used for various needs, from debt consolidation to wedding planning. With multiple lenders offering competitive rates and quick approval processes, getting a personal loan has never been easier. If you’re looking for the best loan options, check out:

IDFC First Bank Personal Loan

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

Axis Finance Personal Loan

Axis Bank Personal Loan

InCred Personal Loan

With FinCrif, you can compare personal loan options and choose the best one to suit your financial needs. Apply today and take a step towards financial freedom!

[saurabhshinde16]

Empowering Your Aspirations: A Comprehensive Guide to Cosmos Bank’s Loans

Are you looking to buy your dream home, fund your small business, or cover unexpected expenses? Whatever your financial goals, the loans offered by Cosmos Bank can provide the necessary financial assistance to help you achieve them. In this blog, we'll delve into the wide range of loans the bank offers, their benefits, and how to choose the right one for your needs.

Personal Loan: A Quick Fix for Personal Goals & Emergencies 

A personal loan can help you tackle financial emergencies as well as fulfil personal goals with ease. Cosmo Credit Personal Loan covers expenses such as home renovation, foreign trips or any other domestic purpose. This loan is offered at a reasonable interest rate of 13.00%* for up to 5 Lakh rupees. The loan is disbursed within days and the repayment period is up to 5 years. Maintain a great CIBIL score to utilise the benefits.    Home Loan: Turning Your Biggest Dream into a Reality

Buying a home for you and your loved ones is undoubtedly one of the biggest priorities of your adult life. The sense of settlement and satisfaction that your home brings is quite unmatched. Cosmos Bank provides a Home Loan that will help you turn this dream into reality. Cosmos Home Loan is offered at an attractive interest rate of 7.95%* and the amount is up to 140 Lakh. It is offered for a new flat, row house or construction of a new home. For a new flat, the loan will be extended up to 80% of the total value of the flat including registration, stamp duty, processing fee, share money, mortgage expenses, etc. 

Small Business Loan and Udyog Loan: Funding Your Enterprise

Small Business Loan and Udyog Loan are specifically designed for entrepreneurs and small business owners. These loans provide the necessary funds to start or expand your business, helping you achieve your business goals. Cosmo Udyog Loan is offered at an 8.00%* interest rate and it includes benefits like working capital of up to 1 Crore rupees.  On the other hand, The Cosmo Small Business Loan offered at an attractive Rate of 9.00%*,  is designed to support small businesses such as hardware stores, stationery and cutlery shops, grocery stores, bakeries, furniture shops, clothing outlets, medical shops, hotels, restaurants, and small-scale manufacturers.

Swayamsiddha Loan: Empowering Women Entrepreneurs

The Swayamsiddha Loan Scheme offered by Cosmos Bank is a tailored solution designed to empower professional women, whether salaried or self-employed, such as teachers, doctors, nurses, or professionals like CAs, ICWAs, and CSs. It is offered in the form of a personal loan at an attractive interest rate of 9.75%*. The scheme ensures simple documentation and swift disbursement within just a week. 

Conclusion

Loans are a powerful and trusted tool to fulfil financial needs and achieve desired growth.  Cosmos Bank has a tailored loan available for each of your specific needs. Visit the Bank’s website or a branch near you to learn more about these loans.

[theblogvibe]

Buying a Property in Mumbai? Here’s How to Pick the Perfect Home in Juhu & Bandra

Mumbai is a city of dreams, and if you’re looking to buy a property in Mumbai, Juhu and Bandra are two of the most sought-after locations. Whether you want a luxurious sea-facing home, a high-return investment, or a vibrant neighborhood, these areas offer everything a homebuyer could ask for.

But with rising real estate prices and multiple options available, how do you make the right choice? In this guide, we’ll take you through everything you need to consider before investing in a property in Juhu or property in Bandra—from budget planning to legal verification and lifestyle factors.

So, let’s dive in and find out how you can make an informed decision while buying a home in Mumbai’s prime real estate zones.

1. Why Juhu and Bandra Are Prime Locations for Property in Mumbai

Juhu and Bandra have long been favorites among homebuyers and investors alike. But what makes these two locations stand out?

Juhu: The Beachside Luxury

Home to Bollywood celebrities and business tycoons, Juhu offers an elite lifestyle.

The iconic Juhu Beach, luxury hotels, and premium cafes add to its charm.

Well-connected to key areas like Andheri and Vile Parle.

Ideal for those looking for high-end apartments and bungalows with sea views.

Bandra: The Heart of Mumbai’s Social Scene

Known as the “Queen of the Suburbs,” Bandra is a mix of tradition and modernity.

A hotspot for corporate professionals, NRIs, and young entrepreneurs.

Excellent social infrastructure with fine dining, shopping, and entertainment options.

Strong connectivity via the Bandra-Worli Sea Link, Western Express Highway, and railway stations.

If you’re looking for an upscale property in Mumbai, both Juhu and Bandra offer unique advantages. The choice ultimately depends on your lifestyle preferences and financial considerations.

2. Understanding Your Budget for Buying a Property in Mumbai

Before starting your property search, it's crucial to define your budget. Here’s how you can plan effectively:

Compare Price Ranges in Juhu & Bandra

Juhu: ₹50,000 – ₹1,00,000 per sq. ft. (for premium apartments and bungalows).

Bandra: ₹45,000 – ₹1,50,000 per sq. ft. (depending on location and amenities).

Hidden Costs to Consider

Stamp duty & registration: Approximately 6% of the property value in Mumbai.

Maintenance charges: Vary based on society rules, security, and amenities.

Legal & brokerage fees: Ensure all costs are accounted for to avoid last-minute surprises.

Financing Your Property in Mumbai

Opt for a home loan with competitive interest rates.

Maintain a good credit score for better loan eligibility.

Plan your down payment (usually 20-30% of the total cost).

3. Types of Properties Available in Juhu and Bandra

Understanding the different types of real estate options will help you make a smart choice:

Luxury Apartments

High-rise buildings with premium amenities.

Preferred by corporate professionals and NRIs.

Gated communities with security, pools, gyms, and recreational spaces.

Independent Bungalows & Villas

Best suited for high-net-worth individuals.

Spacious layouts with private gardens, pools, and parking.

Higher maintenance but offers unmatched privacy and exclusivity.

Under-Construction vs. Resale Properties

Under-construction: Lower prices but longer waiting periods.

Resale: Ready-to-move-in homes but might require renovations.

Choosing between a new or resale property in Mumbai depends on your urgency and investment goals.

4. Key Factors to Consider When Choosing a Property in Mumbai

1. Location & Connectivity

Check proximity to schools, hospitals, shopping centers, and business hubs.

Easy access to public transport like metro stations, railway stations, and highways.

Ensure there are no major traffic bottlenecks near your potential home.

2. Infrastructure & Amenities

Modern buildings offer 24/7 security, power backup, clubhouses, and gyms.

Consider eco-friendly buildings with rainwater harvesting and solar panels.

3. Future Appreciation & Resale Value

Properties in prime locations appreciate faster.

A good real estate investment should offer high resale potential.

5. Legal and Documentation Checks Before Buying a Property in Mumbai

Buying a home is a significant investment, and legal verification is a must. Here’s what you need to check:

1. Property Title Verification

Ensure the seller has a clear title and no pending legal disputes.

Hire a property lawyer for due diligence.

2. RERA Registration

Check if the project is RERA-registered on the official website.

RERA compliance ensures transparency and legal protection.

3. Home Loan Approvals & Builder Reputation

Verify if the builder has a history of successful projects.

Approved properties by reputed banks are safer investments.

6. Working with a Reliable Property Consultant in Juhu and Bandra

Why You Need a Real Estate Expert

Saves time by shortlisting properties that match your criteria.

Provides insights on market trends and price negotiations.

Ensures smooth documentation and legal processes.

How to Choose the Right Consultant

Look for experienced firms like A2Z Realtors, specializing in property in Mumbai.

Verify their client reviews and past success stories.

Ensure transparency in fees and commission.

7. Conclusion: Making the Right Decision for Your Dream Property in Mumbai

Finding the perfect property in Juhu or Bandra requires careful planning and research. Whether you're buying for personal use or investment, consider factors like budget, location, legal verification, and future appreciation.

Working with a trusted real estate consultant can make the process easier and ensure a hassle-free experience. If you’re looking for expert guidance, A2Z Realtors can help you find the ideal property in Mumbai that meets your needs and aspirations.

Final Tips Before Buying a Property in Mumbai:

✅ Set a clear budget and explore financing options. ✅ Compare different properties and visit the locations. ✅ Verify legal documents and RERA compliance. ✅ Choose a home that aligns with your lifestyle and investment goals. ✅ Seek expert advice to make an informed decision.

Investing in Juhu or Bandra is a step towards a luxurious and fulfilling life in Mumbai. So, take your time, do your research, and find the perfect home that suits your dreams!

[flivv-developers]

The Real Estate industry has been a lucrative way to increase the value of land. Due to the recent boom in the real estate sector in the last few years, investors have been enjoying a return on investments out of their wise decision of investing at the right time and the right place. Through productive ways to reap benefits out of property investments, many real estate stakeholders enjoy seamless and smooth returns. This healthy cycle of investment has led to the emergence of numerous large infrastructural companies.

How to make money out of Property Investments?

Making money in real estate requires a lot of research, certain skills, contacts, and a handsome investment. Whether you’re an individual or a company. Legal clearances are equally important. Hence, every procedure must take place within the legal framework only. With a smooth workflow and regular investing cycle, you can easily reap the benefits of your investments from the properties you have purchased.

Importance of Real Estate Investing

Real estate can be the best business option in several ways. If you act as a broker or agent between buyer and seller, you can charge a commission. Based on the volume of business, the above involves the lowest investment and handsome earnings. It is possible to make money in real estate by investing your savings for long-term gain. People and companies often choose to buy large properties and resell smaller parcels of land or make residential complexes or colonies out of them.

Long-term rentals

Property owners can enjoy long-term rentals. Long-term rentals are a common way to make money in real estate for a property owner. Rental properties that are rented for more than six months are considered long-term rentals. In India, the lease/rent deed is usually signed for 11 months and is then renewed subject to mutual consent and some legal considerations.

Paying Guest Rentals

In this case, the property owner offers working people and students housing in addition to occasionally providing food, laundry, security, and other services. In this manner, the tenant may fully concentrate on his work or studies without having to worry about the needs of their home.

Commercial Property Returns

One of the most alluring ways to profit from real estate is the business sector. Over the past few decades, it has drawn numerous significant investors and businesses. These investors buy houses and then upgrade, renovate, and build new ones according to local requirements before renting them out. In this manner, a one-time fixed investment yields lifetime handsome profits.

REITs

An individual can invest in a significant, income-producing piece of real estate through a real estate investment trust (REIT). Large-scale real estate includes, but is not limited to, shopping malls, office buildings, hotels, apartments, self-storage facilities, resorts, warehouses, mortgages, and loans. Investors in REITs benefit from the real estate market by obtaining a percentage of the revenue from the commercial real estate they have invested in.

If you are looking to make money out of property investments, make sure to consider the options above. At Flivv Developers, we discuss and talk about many more aspects in real estate. You can easily invest with us and get free consultations. Reach out to us via direct call/email or fill out the site form to know more about Real Estate in and around Hyderabad.

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Buy Property in Downtown Dubai: The Ultimate Investment Guide

Downtown Dubai has become one of the most iconic locations for real estate investment in the UAE. With its modern skyline, luxurious living spaces, and prime location, buying property in Downtown Dubai offers exceptional opportunities for both residents and investors. Whether you're looking for a high-end apartment, a penthouse with panoramic views, or a business space with global exposure, Downtown Dubai provides a diverse range of properties that cater to all preferences. In this blog, we will explore why Downtown Dubai is a top choice for property buyers, the benefits of investing here, and the factors to consider before making your purchase.

Why You Should Buy Property in Downtown Dubai

1. Prime Location in the Heart of Dubai

Downtown Dubai is strategically located near the Burj Khalifa, the Dubai Mall, and other key landmarks. The neighborhood is known for its accessibility, offering easy connectivity to other major areas like Business Bay, Dubai Marina, and DIFC. If you buy property in Downtown Dubai, you're not just investing in a home; you're securing a position in one of the most sought-after locations in the world. With the continuous growth of Dubai's tourism and business sectors, this prime location will continue to appreciate in value over time.

2. World-Class Amenities and Lifestyle

When you buy property in Downtown Dubai, you are buying into a lifestyle. The area boasts world-class amenities, from luxurious hotels and restaurants to high-end retail outlets. Residents can enjoy proximity to the Dubai Opera, cultural hubs, and green spaces such as the Dubai Fountain and Burj Park. Whether you're looking for an active, cosmopolitan lifestyle or a peaceful, luxurious retreat, Downtown Dubai offers the best of both worlds.

3. High Rental Yields and Capital Appreciation

The demand for rental properties in Downtown Dubai is consistently high due to its central location and the influx of expatriates, tourists, and business professionals. If you’re an investor, buying property in Downtown Dubai means you could enjoy attractive rental yields, often higher than in other parts of the city. Additionally, given the area's constant development and rising demand for luxury properties, the potential for capital appreciation is significant.

How to Buy Property in Downtown Dubai

1. Research and Identify Your Property Type

Before you make any decisions, it’s crucial to research and understand the various property options available in Downtown Dubai. Whether you're interested in a sleek, modern apartment, a luxury penthouse, or even commercial property, Downtown Dubai offers diverse options that cater to different tastes and budgets. Properties in developments like The Residences at Burj Khalifa, The Address Boulevard, or Opera Grand come with varying price points, so it's important to identify what best suits your needs and investment goals.

2. Understand the Legal Framework for Property Purchase

Buying property in Downtown Dubai as a foreigner is straightforward, but it's important to be aware of Dubai's property laws. Foreign investors are allowed to buy property in designated freehold areas, and Downtown Dubai is one of those areas. Be sure to work with a reputable real estate agent or legal advisor to ensure that the transaction follows all legal procedures, including the payment structure and required documentation.

3. Financing Your Purchase

When you buy property in Downtown Dubai, you’ll likely need to secure financing unless you plan to make a full cash purchase. Several local banks and financial institutions offer mortgage options to non-residents, with terms and interest rates that vary based on the bank and the property type. It's recommended to get pre-approval for a loan to streamline the process and ensure that your financials are in order before you make a commitment.

The Benefits of Buying Property in Downtown Dubai

1. International Investment Appeal

Dubai's reputation as a global business and tourist hub makes it a prime location for international investors. The government’s commitment to creating a business-friendly environment, along with a tax-free regime, makes buying property in Downtown Dubai particularly appealing to non-residents and expatriates. Moreover, the UAE's stable political environment and investor protection laws provide peace of mind for property owners.

2. Quality of Life

For those looking to settle down or enjoy the ultimate lifestyle, Downtown Dubai is one of the most prestigious addresses in the world. From luxury residences with top-tier finishes to entertainment options that rival major cities globally, the quality of life here is second to none. Enjoy leisurely walks along the Dubai Fountain or dine at five-star restaurants, all just steps away from your property.

3. Rental and Resale Opportunities

Downtown Dubai offers investors excellent rental yields, particularly in high-demand areas near the Burj Khalifa and Dubai Mall. The Dubai real estate market is known for its resilience, with a strong long-term outlook. Whether you’re looking to rent out your property or eventually sell it, the demand for real estate in Downtown Dubai ensures that you’ll have plenty of options when the time comes.

Factors to Consider Before Buying Property in Downtown Dubai

1. Market Trends and Property Prices

Before you buy property in Downtown Dubai, it’s important to keep an eye on market trends. While Downtown is generally a high-demand area, property prices can fluctuate based on various factors such as economic conditions, supply and demand, and government regulations. Working with a professional real estate agent can help you understand current market conditions and get the best deal possible.

2. Property Management Services

If you’re not planning to live in your property full-time, you may want to consider property management services. These services take care of everything from maintenance to tenant management, ensuring that your investment remains hassle-free and profitable. Many luxury properties in Downtown Dubai offer integrated property management services for investors who want a hands-off experience.

3. Long-Term Investment Potential

While the initial cost of buying property in Downtown Dubai can be high, the long-term investment potential is exceptional. With the continuous development of the area, including new business ventures, tourism attractions, and residential projects, Downtown Dubai is poised to remain a strong performer in Dubai’s property market. It’s a city that never sleeps, with an ever-growing demand for real estate.

Conclusion: Why Buy Property in Downtown Dubai?

Buying property in Downtown Dubai is an investment in luxury, lifestyle, and opportunity. Whether you're looking for a place to call home or seeking a lucrative investment, the downtown district of Dubai offers unparalleled access to the best the city has to offer. With its central location, world-class amenities, and high potential for rental returns and capital appreciation, it’s no wonder that Downtown Dubai remains one of the most desirable real estate markets in the world. If you’re considering buying property in Downtown Dubai, now is the perfect time to explore this thriving market and secure your place in one of the world’s most exciting cities.

If you're ready to take the next step and buy property in Downtown Dubai, reach out to an experienced real estate agent who can guide you through the process and help you find the perfect property to match your goals. With the right research and expert advice, you can make a smart investment that will continue to appreciate in value for years to come.

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Why is the best real estate for living free from huddles? Buy Saya’s South X Biztop, a great choice!

The best-ever, affordable residential project by Saya in Greater Noida West is Saya’s South X Biztop. The 688 - 800 sq. ft sqft spacious and ultra-luxurious studio residential apartments are being constructed and developed, to cater to those, who always want to be a dream home in his/her locality or Delhi NCR. This plot has three sides open, surrounded by lush greenery, and away from the hustle and bustle of the city. Saya South X has ample local livable resources viz. shopping malls, local shops, food courts, hotels/motels, night safari, schools, colleges and universities, hospitals, multiplexes, and much more including excellent connectivity to clean and green parks, ISBT, Indian Rail Network, IGI, and Noida International Airports, Noida City Center Metro Station, Noida Sector 62/63, and other major cities of in Delhi NCR.

Saya South X in Greater Noida West uses RCC-based technology to meet anti-earthquake features. It offers Business Suites and Studio Apartments. Saya South X Business Suits is being developed and constructed by Saya's highly skilled team of civil engineers. The future residents will have a complete range of trendy amenities inside the residential and commercial campus viz a swimming pool for kids and adults, parks, gardens, gated security, CCTV surveillance, spa, gym, meditation room, kids play area, sports courts, intercom, and much more to ensure cozy lifestyle in the lap of the city. The attractive loan facility can be taken after paying and availing booking formalities. The payment schedules will be flexible and less to pay easefully. Saya South X Studio Apartments is customizing your dream home with the use of Innovative amenities.

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Best Area in Telangana for Investing in Mumbai Highway Open Plots

If you’re looking to invest in Mumbai Highway open plots, this region offers excellent opportunities for both residential and commercial development. Open plots in Mumbai Highway are becoming increasingly popular, thanks to rapid infrastructure growth and seamless connectivity. Investing in plots in Hyderabad Mumbai Highway ensures long-term value, with high potential for appreciation due to the area’s strategic location along NH-65.

Why Invest in Mumbai Highway Open Plots

The demand for Mumbai Highway open plots has been rising due to upcoming projects like the Regional Ring Road (RRR) and ORR, which enhance connectivity. Open plots in Mumbai Highway are ideal for those looking to build homes or invest in commercial spaces, with access to institutions such as Woxsen University and IIT Hyderabad. Additionally, plots in Hyderabad Mumbai Highway promise strong growth, as the area is fast becoming a hub for education, industry, and residential communities.

Features of Eeshanya Infraa’s Mumbai Highway Open Plots

Eeshanya Infraa offers Mumbai Highway open plots with top-notch amenities such as blacktop roads, walking tracks, and children’s parks. These open plots in Mumbai Highway come with individual water and electricity connections, making them ready for development. With RERA approval (RERA No. P02500008192) and DTCP-certified layouts, plots in Hyderabad Mumbai Highway from Eeshanya Infraa provide buyers with a secure and transparent investment opportunity.

Strategic Location and Accessibility

The Mumbai Highway open plots by Eeshanya Infraa are strategically located just 300 meters from NH-65, ensuring smooth access to major urban centers. These open plots in Mumbai Highway are near Kamkole Toll Gate, Sadashivpet, and IIT Hyderabad, offering convenience for both residents and businesses. Surrounded by schools, hospitals, hotels, and residential areas, plots in Hyderabad Mumbai Highway offer everything needed for comfortable living or lucrative investments.

Bank Loan Availability and Legal Security

Purchasing Mumbai Highway open plots through Eeshanya Infraa is easy, with bank loans available to assist buyers. These open plots in Mumbai Highway come with clear titles, providing a legally secure transaction. With Eeshanya Infraa’s reputation for timely delivery and transparent project management, plots in Hyderabad Mumbai Highway offer a smooth buying experience and excellent investment returns.

Conclusion

For anyone seeking the best area to invest in Telangana, Mumbai Highway open plots offer unmatched potential. With modern infrastructure, legal transparency, and excellent connectivity, these open plots in Mumbai Highway are perfect for long-term appreciation. Eeshanya Infraa’s plots in Hyderabad Mumbai Highway ensure high-value returns, making them the ideal investment choice for personal or commercial development.

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Unleashing the Potential of Unlisted Shares: A Comprehensive Guide

Understanding Unlisted Shares

Unlisted shares, also known as unlisted equity or pre-IPO shares, are securities issued by companies that are not traded on public stock exchanges like the BSE or NSE. These shares offer investors the unique opportunity to invest in promising startups and growing businesses before they go public.

Key Characteristics of Unlisted Shares:

Limited Liquidity: Unlisted shares are less liquid than listed shares, meaning they can be harder to buy or sell quickly.

Direct Purchase: You typically buy unlisted shares directly from the company, intermediaries, or specialist brokers.

Potential for High Returns: Early investment in unlisted shares can offer significant returns if the company performs well and eventually goes public.

Benefits of Investing in Unlisted Shares:

Early Access to Growth: Invest in promising companies before their value skyrockets.

Reduced Market Volatility: Avoid the day-to-day fluctuations of listed stocks.

Higher Potential Returns: Capitalize on the growth potential of early-stage companies.

Diversification: Expand your investment portfolio beyond traditional listed stocks.

Promising Unlisted Shares in India:

OYO: A leading hospitality company known for its budget hotels and rental spaces.

India Potash Ltd.: A key player in the agricultural sector, specializing in potash-based fertilizers.

NSDL: A significant institution in the Indian financial market providing depository services.

Bira 91: A popular craft beer brand with a strong presence in India.

Tata Capital: A financial services provider offering loans, investments, and asset management.

How to Start Investing in Unlisted Shares:

Research: Thoroughly investigate companies you're interested in, including their business model, financials, and management team.

Choose a Reliable Intermediary: Work with a reputable broker or platform that specializes in unlisted shares.

Understand Risks: Be aware of the potential risks involved, such as limited liquidity and valuation uncertainty.

Diversify: Spread your investments across multiple unlisted companies to manage risk.

FAQs:

Are unlisted shares the same as unlisted equity? 

Yes, they are synonymous terms.

Is it safe to invest in unlisted shares in India?

 Investing in unlisted shares involves risks, but with proper research and due diligence, it can be a rewarding opportunity.

Is it legal to buy unlisted shares? 

Yes, it is legal to buy unlisted shares in India. However, ensure you're dealing with reputable intermediaries.