#but the companies i pay my bills to won’t take them as payment

[voulezloux]

i’m tired of having to explain to my friends why i had to make a post basically begging for support while im unable to work because it only makes me more angry every time i do so. like i can’t get short term disability because that’s not a benefit that they offer and even if they did, i would have to pay for that myself in order to get it. i could’ve rolled over my old plan from the previous owner to the new owner and pay for it separately. but the one time i had used it, they put me under illness and not injury (which is what it was. because i injured my foot and couldn’t stand to do my job. i even put it as an injury and they said i lied and changed it) and the payout i got barely covered my bills. i didn’t see a point in continuing to pay for a service that would do that plus it took a full month after i went back to work to even get the payout. the only benefits they offer at 401(k) with them matching, PTO, and health insurance. that’s it. i’m using what’s left of my PTO this week to bulk up my paycheck so i can actually get some kind of money but after that i don’t know when i’ll have a paycheck next. i’m looking for work because i can’t afford not to work. there’s nothing in place to protect the worker at my job in the event of this happening. the only reason im not completely losing my mind is because im still able to get health insurance while im unable to work but that’s not because of them. that’s because of FMLA. if that wasn’t in place, who the fuck knows man

[olko71]

New Post has been published on All about business online

New Post has been published on https://yaroreviews.info/2023/07/etsy-accused-of-destroying-sellers-by-withholding-money

Etsy accused of 'destroying' sellers by withholding money

Rachel Collyer

By Faarea Masud

Business reporter

Online marketplace Etsy has come under fire from sellers for putting 75% of their takings on hold for 45 days.

Hundreds of small businesses recently got an email from Etsy notifying them it was actioning its “reserve system”.

Ceramics seller Rachel Collyer said Etsy was holding £899 of her money, which means she cannot afford to buy materials to keep producing.

Etsy said payment reserves were used to “keep the marketplace safe” and cover any potential refunds.

Ms Collyer has been selling ceramics on Etsy since 2021. She said she was given only a few hours’ notice before her money was put on reserve.

“This is ruining my business – I can’t afford to buy any clay or glazes. We might have to move house because I can’t pay any bills,” she said.

Dan

Etsy’s payment policy states the reasons for putting money on hold include a sudden increase in sales, a shop having only made its first sale recently, the shop committing a “policy violation” or “other risk factors”.

Some sellers told the BBC that two reserve periods were imposed on them consecutively.

Dan sells made-to-order wood furniture on the site and told the BBC he had no idea why his money was being held.

“Etsy are holding around £7,000 of my money, leaving us to use credit cards and family loans to try and keep our business running and keep food on the table,” said the 44-year-old from Buckinghamshire.

His partner Sam said: “There is no ability to have the reserve lifted within the 90 days, you must see out the full period. It’s destroyed my business.”

Joanna

Joanna, who ran a bespoke underwear shop on Etsy, told the BBC she too could see no reason for her funds being withheld, and so suddenly.

“I have been selling [on Etsy] for four years,” she said. “I woke up to a communication… stating that my account has been put on a 90-day period of reserve whereby they will hold 75% of my sales.

“We have no cases against us, we have performed no malpractice in any way,” she said, adding that her account was not restored to normal even after following the site’s guidance on lifting the reserve.

The 62-year-old said she would have made £5,000 this month and cannot take out a loan while she waits for the money.

“I cancelled all my on-reserve orders and put my shop on vacation. I won’t trade with them. I can’t afford to,” she said.

And almost as suddenly as the reserve was implemented, it was lifted. She received no explanation for either decision.

Boycott

The BBC spoke to more than 20 sellers who had similar complaints. One, a disabled seller for whom Etsy is her only source of income, said the company stated it was taking “no complaints” on the issue. Etsy told her it “isn’t able to give… [a] specific reason” for withholding thousands of pounds of her takings.

Many sellers wished to remain anonymous for fear of having their shops taken off the platform.

“If you challenge them or speak out, or don’t accept their terms and conditions, your account becomes disabled,” one independent UK seller told us.

Etsy disputes this and says that it wouldn’t retaliate against a seller for voicing their opinion. It says it takes seller feedback very seriously.

Hundreds of affected Etsy sellers are planning a “strike”, or boycott, organising on various online groups.

‘Heart breaking’

An Etsy spokesperson said that the vast majority of sellers receive their funds when they make a sale. They added that the reserve system was used by many online sellers.

However, Amazon’s level of reserve is much lower, at around 3% for established sellers until any disputes are resolved.

The Small Business Commissioner, Liz Barclay, said Etsy’s “level of reserve is new to us”.

She added that while she had no remit across complaints made against non-UK companies, “there have been more complaints recently” made against the US-based firm.

Ms Barclay said the commission was receiving reports of “many small firms owed several thousands of pounds”, which was “heart breaking at a time when people are struggling with the rising cost of living on top of huge increases in costs of business bills and materials”.

“My big worry is that for hundreds of thousands of businesses, this is their only source of income. Anecdotally, we hear that many sellers are women or minority groups and they need this money to pay the bills,” Ms Barclay said.

Who owns Etsy?

Etsy is an online marketplace that allows independent sellers to set up their own shop. It specialises in bespoke items, handicrafts or things not usually available in High Street shops.

Etsy Inc. is a US-based company which trades its shares on the NASDAQ stock exchange in New York, where it listed its stock in 2015.

Its biggest shareholders are major financial institutions such as Vanguard Group, BlackRock and JP Morgan.

The company is led by chief executive Josh Silverman who has worked at an eclectic mix of businesses such as online auction site eBay, the internet chat firm Skype and American Express. He has been chief executive since 2017.

It was originally founded in 2005 by Rob Kalin, Chris Maguire, Haim Schoppik and Jared Tarbell who started the business from Mr Kalin’s Brooklyn apartment. None of them remains with the firm.

‘Deeply concerned’

Martyn James, an online retail expert, said that while it made sense to not release money until the buyer had received an item, “the business should not be sitting on money for any longer as an anti-fraud measure”.

He said he was “deeply concerned” at Etsy withholding sellers’ money like this, and said it was an example of how online sites could “slip through the cracks of regulation”.

Tina McKenzie, policy chair at the Federation of Small Businesses, said that sites should offer sellers stability and transparency when it comes to dealing with their funds.

She added that online sites dealing with small businesses “hold a lot of power over the sellers” and should therefore “use their power responsibly”.

“People’s livelihoods are at stake in many cases,” Ms McKenzie said.

Etsy said it would “continue to improve upon our programs, including payment reserves”.

The BBC understands that a representative of Etsy has met with UK government officials.

Related Topics

Companies

Online shopping

Retailing

More on this story

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19 December 2022

Meet the Etsy shop owner who made Beyoncé’s hat

18 May

Selling online helps people balance rising prices

16 February

‘Selling second-hand clothes online became my job’

12 June

[designaday]

Discover Less

I’ve been using Discover Bank for several years now and have been quite happy with their service, by and large. The design of their website is better than most financial sites I’ve used. Last week, they made a change to their bill pay service that really pissed me off.

I manage my accounts responsibly. I keep track of what’s coming in and going out. I try to keep a minimum surplus in my checking account, putting my extra money in my savings account, where it will earn more interest while remaining liquid. I very rarely have overdrawn my account, and when that has happened, I’ve immediately transferred money from my savings account to make up the difference. The accounts are connected, so Discover doesn’t bounce checks or charge me fees when that happens. This is a feature they call “overdraft protection.”

I prefer not to set up automatic payments, especially for large payments like my mortgage and car loans. I like knowing exactly when they will be paid and having the flexibility to adjust them by a day or two so that they fall after a paycheck is deposited. I like having my bill payments planned out weeks ahead of time, assuring that payments arrive by their due dates and having the peace of mind that my finances are all in order.

So, every weekend, I take time to go through every bill that has come in and schedule payments through Discover’s bill pay. I may be scheduling payments a full month ahead of their due dates. This means that I’m often scheduling several thousand dollar’s worth of payments well before the paychecks come in that will cover them. This has never been a problem.

But when I tried to do this the Saturday before last, I was presented with a message stating that I can’t schedule payments for amounts that I don’t have the funds to cover. Discover won’t let me schedule my mortgage payment for the first of the month and my credit card bill on the 11th unless I have the sum of those amounts in my checking account at the time I’m setting up the payments.

This is a ludicrous policy that makes their bill payment service pretty much unusable. I called them and told them as much, for all the good that will do. I can’t imagine they did any usability testing on this change and received positive feedback from users. I told them that too. The support person I spoke to indicated that mine was not the first complaint she had received.

Since I wasn’t able to schedule my payments ahead of time, and I didn’t want to have to set reminders to schedule payments at various points when I would have the money in my account and the week lead time required to get a payment in on time, nor to transfer that much money from my savings account just to allow me to schedule the payments, I made the effort to set up automatic payments with all of the companies I had to pay. This was a pain in the butt, as some of them required paying the balance owed before auto-payments could be turned on, and others had a period of time before auto-payments would start, requiring a manual payment be scheduled for the next one.

I’m guessing this was a business decision that UX designers didn’t have a say in, and I’m sure it’s based on some problematic behavior they are seeing, but from my perspective, it’s a stupid decision.

[factoringcompany456]

Accelerated Payments

Upon enrolling, you will be directed to entry a secure website to acquire the bank card account which you'll use for future payments. In the longer term, you'll receive an automatic remittance notification e-mail alerting you of the quantity to charge and different pertinent details of the transaction. Then process the payment like another bank card transaction. In some instances you could Accelerated Payments benefit from paying the prepayment charge because you may lower your expenses in the long term. Our prepayment calculator might help you discover out if it’s price it for you. For your purchasers who have a residential first mortgage with another lender, we'll work with you to switch their current mortgage balance to us at no additional price.

Even an extra $50 a month pays your debt off that a lot quicker. This amount shall be utilized to the mortgage principal balance, primarily based on the chosen additional payment frequency. Use this calculator to determine how a lot you can save over the life of your mortgage by making pre-payments and rising your payment frequency.

With weekly payments, you make a mortgage payment each week, all yr long. This method won’t pay your mortgage off any before month-to-month payments, but it may be a benefit for your explicit monetary scenario. With a non-accelerated or common payment plan, the Lender takes 12 months worth of payments and divides this by both 26 or 52 to come up with the bi-weekly payment. With this adjusted payment, the Lender nonetheless receives a stream of revenue Accelerated Payments Canada of 12 month-to-month payments per yr, so there is not any extra principal out there to accelerate the amortization. By choosing an accelerated reimbursement schedule, the monthly payment is divided by 2 (bi-weekly) or by 4 . Understand that this technique is to minimize back your mortgage principle and curiosity payment, and create extra monthly cash flow.

I absolutely intend to proceed working with James and the Mortgages.ca group for any future financing wants, and advocate them to my pals all the time. They helped me complete an unexpectedly quick Accelerated Payments factoring company purchase/mortgage utility with very little stress. I suggest him for a life-changing expertise in trading, for anybody who wants assist.

VPA Supplier Experience DemoWatch the VPA Supplier Experience Demo video for a demonstration of how the Visa Payables Automation application functions from the attitude of a supplier or recipient payee. This is a crucial initiative for the University of Windsor, and, as such, we encourage our valued suppliers to contemplate enrolling to expertise the advantages famous above. We intend to pay suppliers who participate in our payables automation program upon approval of invoices, which can lead to vital payment acceleration. For reference purposes, beneath is an excerpt to guide you when determining what bills will not be thought of acceptable for claiming towards your University accounts. If you’d like to have a look at some of the numbers as they relate to you and your mortgage, please don’t hesitate to connect anytime; it would be a pleasure to work with you.

[almostnoisydonut]

𝓗𝓸𝔀 𝓽𝓸 𝓒𝓱𝓸𝓸𝓼𝓮 𝓪 𝓒𝓻𝓮𝓭𝓲𝓽 𝓒𝓪𝓻𝓭 𝓯𝓸𝓻 𝓨𝓸𝓾𝓻 𝓢𝓽𝓪𝓻𝓽𝓾𝓹

As a startup, you might have raised a lot of money and have a ton of cash in your bank account. But all the business credit cards for startups you find have the following problems:

🤡 Access to credit as a startup is hard. Without a business credit history, banks won’t look at you twice or they’ll charge you high interest rates and ask for personal guarantees.

🤡 High costs for small budgets. Annual fees, hidden costs and service tax charges all add up to put a huge dent in your startup budget.

🤡 No expense management integration. Most cards don’t have built-in systems to track payments and reconcile expenses.

🤡 Expensive add-ons. You may only need one or two cards now, but when you start hiring and building your team, you’ll need to pay more for employee business credit cards.

🤡 Limited rewards. Perks and cashback can increase your cash flow and your margins, but most cards offer limited rewards to new companies.

Understanding how to get a business credit card for a startup can be daunting. But business credit cards specifically designed for startups exist.

Opening a business credit card can help you to keep your small business running smoothly.

Business credit cards are a convenient way to cover expenses, from office supplies to utility bills to client dinners. Having a card exclusively for business purchases also allows you to keep personal spending separate, which can mean fewer headaches at tax time.

Most business credit cards allow you to earn rewards in the form of points, miles or cash back. Additionally, business credit cards can include other features and benefits, such as free employee cards, travel perks and access to discounts on business services.

As a business owner, why should I get a business credit card? Why shouldn’t I use my personal credit card?

There is a simple answer to this question: separation of personal and business expenses. Utilizing a business credit card for business expenses will help you better track your business costs. Therefore a business credit card assists you in record keeping, filing taxes and claiming business-related tax breaks.

Putting business expenses on a personal card is also potentially dangerous. Personal credit cards often have significantly lower credit limits than that of business credit cards. Therefore, using your personal credit card for a large number of business expenses can easily chip into your personal credit limit, or even max it out. Maxing out your personal credit card can cause your personal credit scores to drop. Any problems that occur to your business could then take a huge toll on your personal credit reports, making it difficult to get credit for personal purchases such as a car or home.

What should I look for in a Business Card?

The characteristics of a great business credit card are subjective and likely depend on your business. However, note that not all business credit cards are created equal. There are general things to keep in mind when considering the right business credit card for you and your business.

What are the rewards for my business expenses? - The best business credit cards will offer cash back or points for your most frequent types of purchases.

Earning rewards on a business credit card could save you money if you’re applying rewards as a statement credit against purchases or redeeming them for travel or cash. When it comes to how you can earn rewards, every business credit card is different.

When comparing business rewards credit cards, consider where you tend to spend the most. That can help you to decide what type of rewards program makes the most sense. For example, your business budget might include spending on:

👽 Travel

👽 Dining

👽 Office supplies

👽 Utilities, including internet and cell phone services

👽 Shipping

👽 Gas

👽 Advertising

It’s important to choose a card that reflects your spending habits. If your business primarily spends on everyday operations, you might prefer a card that pays you cash back on office supplies, utilities and advertising. On the other hand, a travel card could make more sense if you book frequent business trips.

When comparing rewards programs, also look at how rewards are structured. Certain cards tier rewards, with some spending categories earning more points, miles or cash back than others. There may be spending caps that limit the amount of rewards you can earn each year. Other business credit cards offer a flat rewards rate on all purchases, which can be useful for those who have varied spending or don’t care to think about rewards categories.

Estimating the amount you could earn based on your typical monthly spending can help you decide which one might work best. Also, don’t forget about introductory rewards or anniversary rewards.

Many business credit cards offer an introductory rewards bonus when you meet a minimum spending requirement. Some may also reward you with anniversary rewards each year. Those are both additional opportunities to increase your rewards earnings if your primary goal for getting a business credit card is racking up points, miles or cash back.

Is it good value in terms of its annual fee? - If a business credit card has an annual fee, make sure the received benefits outweigh the yearly cost.

Depending on your type of business, an annual fee such as this may or may not be worth it.

How large is the signup bonus? - Businesses usually have higher expenditure than the average consumer, therefore the business credit card sign up bonus should reflect this.

How is the card provider’s customer support? - A card provider known for great customer service can make things easier for business owners in the long term. Don’t let something as simple as bad customer support take a negative toll on your business.

Getting a business credit card could make life as an entrepreneur easier if you can charge purchases as needed while earning some of what you spend back. When considering the best business credit cards, take time to weigh the rewards and benefits of each one, as well as the fees and APR. Ultimately, the best business credit for you is the one that offers rewards and features that fit your spending style at a cost you’re comfortable paying.

[enrichedacademy]

How to Improve Your Credit Score

If you are looking for ways to better your financial life, one of the first tasks you should be focusing on is how to improve your credit score. Your credit score is a measure of your demonstrated ability to meet your loan commitments and other bills in a timely manner. In Canada, it is derived from a credit report issued by either TransUnion or Equifax and ranges between 300 and 900. The Canadian average is around 650.

What is a good credit score? Credit scores of 700+ are considered "good" and offer a higher chance of loan approval, greater borrowing limits, and lower interest rates and insurance premiums. If you want to get one of those super-low advertised mortgage rates you are going to need a top-notch credit score. Potential interest savings are huge on big-ticket items; qualifying for a preferential rate on your mortgage could easily save you tens of thousands of dollars. Vehicle loans are another area where a good credit score can let you keep a lot more money in your jeans every month.

Who looks at my credit score? Credit scores are used for a lot more these days than just whether you qualify for a loan. Insurance companies, potential employers, and landlords are just a few of the people that will often request your credit score and use it for decision making. Understanding how to improve your credit score and building the highest score possible will open doors to many opportunities and save you money. If you are looking for a quick-hit to improve you financial literacy around credit scores, take 3 minutes of your time and watch, “How Does Your Credit Score Work” on the Enriched Academy YouTube channel.

What affects my credit score?

1. Payment history (35%) This is the largest determinant of your score and the most critical factor to manage. You need to always make the minimum payments and avoid anything ever getting to the “collections” stage – this includes parking tickets, mobile phone or other utility bills, student loans, and credit cards.

2. Credit utilization (30%) If all your credit cards are maxed out, your credit utilization rate is 100% and it indicates to potential creditors that you are overextended. Carrying some credit card debt won’t lower your score (as long as you make the payments each month) but try to keep your balance under 30% of your credit limit at all times.

3. Length of credit history (15%) It takes time to build your credit score, so get a credit card when you turn 18, use it, and pay it off in full each month. A car loan or student loan will also help greatly — but only if you stay current with the payments!

4. Credit mix (10%) Using a mix of different types of credit will increase your score. When you are young the only credit available may be a credit card, but as you grow older adding a car loan, student loan, or line of credit to the mix will help improve your score.

5. Credit application frequency (10%) Applying for a lot of new credit in a short timeframe will negatively affect your score. Potential lenders do what is called a “hard pull” on your credit history when you apply. You want to avoid having a number of hard credit pulls in succession as it may look like you are desperately seeking more credit. Please be mindful of this if you want to get more credit cards or are rate shopping for a mortgage.

How do I fix a bad credit score? Credit scores are continuously evaluated and adjusted. If you have "errored" in the past, rest assured that the damage is not permanent! Your score can be raised/rebuilt over time by using credit responsibly, but it is much easier to avoid mistakes that lower your score in the first place.

Errors and omissions are not uncommon in credit reports, and it is a good idea to confirm the details of your report. Both TransUnion and Equifax have a process to report mistakes and getting them corrected.

Check your credit score regularly If you are looking for some simple financial advice that pays huge dividends — check your credit score on a regular basis! It will allow you to track improvements, detect errors, and prevent identifying fraud. Please note that checking your own credit score is a "soft" inquiry and will not affect your score.

Helping you improve your credit score often falls under the radar or outside the scope of services for financial advisors, even though it is one of the most critical aspects of building wealth. Although it is something you are going to have to manage yourself, the reality is that it isn’t all that difficult and you should be able to get results by focusing on the basics mentioned above — good luck!

[sailor-kaiju]

And I’d expect people who have followed my blog to understand my POV on art more since I talk about it quite regularly and yet here we are!

That artist may be correct for themselves. That’s on them. But honestly, I am trying not to be rude to that artist because they didn’t choose to be in this conversation, which is why I keep turning away from that argument…but that mentality is that of a really insecure artist. I have NO issue knowing how I am different from a machine making content and it baffles me how someone couldn’t.

-I- don’t just replicate and vomit it back up. And I do art that is freakin derivative as HELL and can STILL explain all sorts of symbolism and choices made to create it the way it was created. assuming that’s “all” artist do that is not only disrespectful to artist but to art as a whole. If some artist do nothing but replicate…that’s on them, but with respect to the artist of that comic, if all they are bringing to their art is copying maybe they SHOULD be navel gazing about what they bring that an AI doesn’t. Mosy artist stop being replicate machines once they learn the technical skills and start using then to SAY something.

Does your art not SAY something? Are you not DOING something with all those references and skills? Why do you think all art is summed up only by the technical skills used to create it?

UBI is great, AI is effecting my rent now. I’m not living in a perfected future, I’m living here and now. How does UBI fix the issue happening currently? would YOU like to call my mortgage company and explain I won’t be paying my bills because UBI is the most ethical system? i’ll DM you their number, I’m sure they’ll take philosophical possibilities for my rent payment.

I have seen your arguments. And sorry….they do nothing for me. To the point I usually don’t engage cause you’re so clearly in the hole but I didn’t realize you were actually AGREEING with OPs terrible take in that post. The arguments are inherently flawed, often about what art even is, as a concept. Much like that comic.

Also, gimme a break about “taking it personal” when you’re talking about my profession AND passion. This isn’t theoretical, you are talking about ME when you talk about artist and AI art. i’m sorry your uncomfortable that you were talking down about a skill and profession and didn’t expect someone from that profession to react. But that’s what happens when you put out negative opinions publicly. The weird “Oh you’re getting too personal~” tactic isn’t going to work cause yeah ofc this is personal. I am very passionate about art and paying my bills.

Everyone uses or is gonna use AI. It’s inevitable. It sucks. You won’t have much of a choice anyway. Much like fast fashion. But just admit you want the pretty pictures and don’t want to pay to commission them and/or work to learn how to make them yourself.

@sailor-kaiju if you're that interested in having this argument, fine, let's go.

You dismiss the comic I brought up and its subsequent discussion as meaningless insecurities, but they are nothing of the sort. The artist is absolutely correct - not just about his own art, but about how art works in general. Your art has just as much reason to be considered "stealing" from whatever you take inspiration from, as does my writing. Recognizing that fact is something all artists should do, and I see plenty who do so. Your lack of that self-awareness does not make you any better than those of us who have it.

Meanwhile, I'm surprised you see the idea of UBI as unrealistic Marxism. It's a lofty goal, but trying to put a stop to the use of an effective piece of technology is even less practical. I've been saying for years that it's the real answer to concerns around automation, as have many others - starting long before generative AI got as big as it is now.

If you're not convinced by those arguments, good news - I have plenty more of them! Multiple tags' worth, even. It's a common topic on this blog, one where I've said and shared all sorts of things I don't feel the need to reiterate. I'd expect people who've been following me for a while to be familiar with them by now, unless they're avoiding engaging with the topics entirely.

Whatever is the case, I would recommend against perceiving someone posting things on their own blog as them coming into your house and spitting in your face. Doesn't seem like a healthy perspective.

[rocorambles]

Hit It Till It Breaks

Pairing: Oikawa x Reader

Genre/Warnings: Yandere, Mafia AU, NSFW, Drug Dealing, Dub-Con/Non-Con Sex, Dub-Con/Non-Con Drug Consumption, Drug Addiction, Manipulation, Humiliation, Degradation, Prostitution, Slight Pet Play

Prompt: Hard At Work

Summary: Growing up, you’d always loved fairy tales and happy endings. You’d always believed that despite how bad things might seem or get, there would be a light at the end of the tunnel. But you’re quickly realizing that this isn’t a fairy tale, that there is no happy ending, and that sometimes, you only go downhill, farther and farther from the light. 

Author’s Note: This is my contribution for my HQ Discord Server’s NSFW collaboration. There are so many talented writers on the server and I highly encourage you to check out the collaboration masterlist to see how everyone decided to run with this spicy prompt.  

(Thank you as always @sawamooora for helping me keep this a coherent degenerate mess~)

It’s hard to believe that bright eyed girl holding her college diploma in the photo on your nightstand was you not that long ago. And your heart clenches when you remember how hopeful you had been. So excited to venture out and experience life. Ready to enter the job market. Ready to be an adult. 

Doors opened and closed. But you hadn’t let it deter you at first. It just wasn’t meant to be. You can’t expect to get the first job you interview for! 

But then more and more doors opened, only to be shut in your face.Your rose-tinted glasses began to crack as your funds quickly dwindled, as you lowered your standards, desperately mass applying to any small time company vaguely related to your major, only to be turned away at every step. 

And now, here you are, barely able to make rent, barely able to even feed yourself with the little you have from odd part-time jobs you’ve managed to stitch together into some sort of financial life line. 

Well, you HAD been barely able to make rent, but your hands tremble when you stare at the letter notifying you that your rent will begin to increase starting next month, mind speeding into a panicked haze as you unsuccessfully try to think of what to do, how you can possibly afford to live even in this dump anymore. And before you even realize what you’re doing, you’re scrambling, stumbling to your bathroom, throwing open your medicine cabinet as you rummage for the little pills that you know will help slow down your racing thoughts and provide much needed clarity. 

You swear everything seems clearer as soon as the smooth texture hits your tongue and you can finally breathe, slumping down on the cold tiles of your floor, pill bottle still clutched in your hand as you allow yourself to relax, praying for any ideas to flow through you. And it hits you like a ton of bricks when your grip on the plastic container accidentally loosens and the bottle clangs against the floor. 

A humorless chuckle slips past your lips as you stare at the rolling cylinder. 

Drug dealing. Fucking drug dealing. 

You can’t believe you’re even thinking of going down this route, but your mind flashes back to old roommates, old friends, old classmates who had nonchalantly made a pretty bundle on the side, carelessly tossing around and selling all types of prescription drugs on campus. And you vividly remember how simple they had made it seem, how they had all gotten away with it. Scrumptious meals, pricey alcohol, far beyond a college palette, and beautiful clothing were the only “consequences” for their crimes. 

If they could do it, you could too. Or so you’d like to think. 

But as naive and ignorant as you are about this line of work, even you know there’s a difference between selling to silly college students on campus, and selling it at a popular nightclub owned by an infamous crime syndicate. 

Even as far removed as you are from the more seedy underbelly of the new city you live in, you know of the Seijoh Syndicate. Everyone in town does. It’s hard not to when they literally run and own the entire place. 

Oikawa Tooru and the rest of the Seijoh Four run their domain with an iron fist. They’re practically nonexistent, merely a scary story to keep people in line, for those who abide by the laws and keep their noses out of trouble, but an all too real nightmare for those who choose to defy them. And you shudder, remembering the horror stories you had heard of exactly what happens to those who decide to try and start their own nefarious business and practices on Seijoh streets without Oikawa’s permission. 

But surely they wouldn’t pay you any mind? Right? Surely a mere girl in her early twenties selling the leftover prescription medicine she has in her cabinets for one night won’t do any harm? 

Maybe it’s stupid to go to such a prevalent and well known club, especially one that’s notoriously favored by the Seijoh Four. But you convince yourself that it’s the most crowded venue in the area with a target demographic who’s guaranteed to buy you out, even at the obscene prices you plan on charging. How would anyone even notice you? Where else could you go? What options do you even have? 

So despite the nervous pit swelling in your stomach, you soldier on, plastering a cheery smile at the bouncer who easily waves you in without a second glance, slipping into the sweaty mass of bodies, going deeper and deeper until you’re surrounded - skin, bones, and muscles pressing against you on all sides, safe from any prying eyes. 

Or so you believe. 

You know who the Seijoh Four are. You even know their names. But never have you met them, never have you ever seen a picture of what they each look like. Not that it would help you if you did when you’re so laser focused on finding potential customers, not even bothering to look around to see if anyone’s watching you. So you carry on, unaware of the four sets of eyes looking at you in amusement from their roost high above the writhing crowds. 

There’s nothing subtle about the way you sloppily nudge people, practically shoving your pills in stranger’s faces, almost wildly waving your merchandise around you in a desperate attempt to pull in buyers. Sweaty nervous hands fumble as you exchange little plastic baggies for wads of cash and Matsukawa raises a brow in disbelief while Hanamaki cackles when you drop your merch and payment, getting on all fours on the trashed dance floor to recollect your goods. 

It might be the most amusing show they’ve had in a while, but Iwaizumi feels a pang of pity at the wild hopeless look in your eyes and he swiftly stands, brusquely telling the other three that he’s going to go down and tell you off with just a warning, only to be stopped when Oikawa smoothly stands to his feet, effectively blocking Iwaizumi’s path. 

“Now, now Iwa-chan. Don’t be so hasty. Let me go talk to the cutie. I’ve been so bored recently and she looks like she’ll be fun! Plus you’ll make her cry with that scary face of yours.” 

Suddenly the sight of you bumbling around isn’t quite as entertaining as the remaining three men watch the brunette prowl towards you, heavy realization of what’s to come sombering the mood.  

 You’re frantic, flitting about the throngs of flailing limbs and swaying bodies, frustration from not being able to get through your supplies fast enough weighing at your conscious. Sure, you’ve managed to accrue some cash, but it’s not enough, not nearly enough to even feed yourself for the coming week let alone make a dent in the daunting rent that looms over you. And you can feel hot tears prick at the corner of your eyes when you see that it’s almost closing time and you’re still stuck with more than half your inventory, no closer to figuring out how to survive. So when a hand firmly rests on your shoulder, you whip around, ready to take your anger out on the poor soul who’s managed to catch you at the worst time. But you freeze, vicious words stuck in your mouth when you see the handsome man beaming down at you, a thick wad of rolled up bills haphazardly dangling from his fingers. 

“I heard you might have some stuff I’d be interested in.” 

You wonder if this is all a dream, if the man in front of you is (ironically a devilishly) handsome angel swooping into save you when he casually asks you how much stuff you still have, how much you’d be willing to sell everything for, not even blinking an eye at your outrageous price tag. You’re so stunned by how quick he is to call it a done deal, not resisting even a bit as he wraps his hand around your wrist, pulling you after him, saying some vague comments about wanting to go somewhere a little more private since it’s a bigger trade. All you can think about is how you’ll finally be able to eat something other than instant noodles and not have to worry about rent as you throw yourself back into interviewing, too lost in thoughts to be wary of how you’re being dragged farther and farther away from the rowdy crowd. 

But the sound of a door slamming shut behind you jolts you back to reality and Oikawa fights back a laugh at how adorable you are, eyes blown wide like a deer in headlights as your head swivels side to side, dismay and panic making you tremble when you survey the private room you’re in, throat nervously gulping when you notice the three other occupants. 

You’re so predictable and Oikawa just rolls his eyes fondly at how you swiftly turn around, trying to lunge towards the door in an attempt to escape, taking his time to leisurely make his way towards you, brown orbs taking in every inch of you as Matsukawa and Hanamaki hold your writhing body in place. 

It’s so satisfying watching you crumble to pieces before his very eyes at just the mention of his name, despair and fear swirling beautifully on your face when he continues to introduce the rest of the Seijoh Four. It never gets old, that deliciously addicting feeling of power he feels when people tremble from just a few syllables and he relishes in your pleading apologies and your tears, patiently waiting for you to finish your little sob story, barely listening to the details as he focuses in on how gorgeous you are, broken and vulnerable. 

And really, there’s no need for him to pay close attention to your blabbering anyway. It always comes down to one thing…

 “So you need money, cutie? How about working for me?”

 “Oye! Oikawa-”

“I’m just asking her some questions, Iwa-chan.”

There’s tense silence and your eyes nervously flicker back and forth between the two imposing figures staring each other down, green and brown eyes clashing in a silent argument. But as if they’ve somehow come to a conclusion, Iwaizumi tsks and looks away while Oikawa turns his attention back to you, a sickeningly cheerful grin on his face. 

Blood curling fear lances through you and you’re almost grateful for the two pairs of strong arms holding you tight, their grip keeping you from falling to your knees as your legs threaten to give out under the pressure you feel as Oikawa thoughtfully looks at you. 

You know the smart answer would be to adamantly say no and promptly figure out a way to leave this moment far behind you, even if it means forfeiting any money you had made tonight. But...a job is a job, right? And surely a job in the Seijoh Syndicate would be more lucrative than anything you’re doing now, right? 

Oikawa hides a smile at the way he can see the cogs in your head turn, apprehension turning to curiosity as you stutter out questions about pay and what the job would entail. Desperation is a good look on anyone, but it suits you particularly well and just like that, hook, line, and sinker, he has a new cute live-in maid to replace the recently vacated role.  

Working as Oikawa’s maid is more...normal than you would have expected. Not that you’re complaining and other than the embarrassing maid outfit he makes you wear, complete with frilly bow and garters, the chores are mundane. Bring breakfast to him and wake him. Clean his room and do his laundry when he’s away at meetings or jobs. Make sure guests have refreshments when they come over to his large estate, a mansion you now also call home. 

If you’re honest, it’s much more relaxing than the multiple part-time jobs you had been juggling previously, and with free board, free food, and the substantial paycheck that regularly makes its way to your bank account, you can see your future brightening up again. When your duties are done for the day, you resume practicing for interviews and keeping up with the industry, feeling emboldened and empowered to finally resume working towards the career path you had always dreamed of. 

But the more time you spend with Oikawa, the closer and more entangled in your life the brunette becomes. Alarm bells ring wildly in your head as you’re forced to join him for meals, forced to dress in elaborate gowns and jewelry while you’re waltzed around on his arm, forced to travel around the world with him, and attend to him like a glorified assistant. He’s too charming, too familiar, too bold, and you can’t help but feel like you’re racing towards some inevitable crash as he easily brushes aside any boundaries between the two of you. 

You know so many women would kill to be in your shoes and you can understand why, not completely immune to his playful smile and the lilt of his voice yourself. But you know better, know exactly how dangerous it would be to get involved with a man like Oikawa Tooru. 

It’s clear from the crimson stains on the clothes he leaves for you to either dispose of, or have cleaned. It’s clear from the wails and sobs of woman after woman he uses and tosses aside like garbage on an almost daily basis. It’s clear from the guns, knives, and weapons, most of which you don’t even know the name of, filling up all the walls, drawers, and cabinets.  

So you do your best to keep your distance, building titanium walls around your heart. Always polite, too terrified of what would happen if you pissed him off, but cold enough to deter him from more amorously or intimately testing his boundaries. 

And it seems to work as he turns his eyes towards other women, leaving you alone after throwing a few flirty comments and winks your way and ultimately falling in bed with some other poor damsel. But you nervously gulp when it’s just the two of you one night and just as you’re ready to make yourself scarce after turning down his bed and laying out his pajamas, his voice beckons you over and you anxiously bite your lower lip at the sight of pills of all shapes and sizes splayed out across his desk.    

Other than your prescription medicine, you don’t have a lot of experience with drugs other than the few blunts here and there during your college years and you had always strictly kept to your recommended doses, never even entertaining the idea of taking more. So the sight in front of you is overwhelming and you hesitantly stare anywhere but at the table surface, anxiously waiting for Oikawa to explain why he called you over. But what you’re not expecting is the warm hand gently grasping your wrist and holding your arm out, small objects being carefully placed in your outstretched palm, and soft coaxing from Oikawa to “give them a try”. 

Every part of you is screaming to throw the pills and make a run for it, begging you to come up with some excuse or just outright reject his offer. But it’s as if your body is frozen and he firmly pushes your hand to your mouth, grip tightening enough to make you wince when you hesitate to listen. The slight pain is enough to remind you that you’re not exactly in any position to negotiate and you force yourself to down the pills and gulp down the glass of water he holds to your lips. 

The last thing you remember is the unsettling feeling of beginning a descent to an unknown place from which there is no return as Oikawa pulls you to his bed. And then euphoria floods through you as your body slots against his larger frame. 

It feels good. Too good. Unnaturally good. But it’s intoxicating and you can’t help but let yourself drown in the hazy waves crashing down upon you, feeling lighter, freer, happier than you have for years. You vaguely register roaming hands, a hot wet mouth, a body on top of yours, something hard pressing against the apex of your thighs, filling you, consuming you in heady pleasure only amplified by the drugs coating your insides.  

Bliss. Pleasure. Pure unadulterated joy. And then nothing. 

When you come to, the weight of what had happened last night comes crashing down on you, making your foggy mind throb even more and you can feel bile rising inside of you as a toned arm around your waist tightens its hold on you. Oikawa grunts in annoyance when you claw your way out from his hold, scampering on shaky legs to his bathroom, heaving and expelling the contents of your stomach, trying futilely to cleanse yourself of your employer’s touch. 

You flinch when you hear footsteps approach, shrinking into the corner of the tiled room, body crouched and curled into a tight ball as you try to save any shred of dignity you still have by hiding your naked body as much as you can from his prying eyes. Salty drops threaten to trail down your face when he hovers over you, sweetly cooing down at you “not to be like this”, “you liked it so much last night”, “come back to bed with me” only to stream down your face when his countenance swiftly changes, handsome face glowering down at you before brusquely turning away and snapping at you to “get on with your work then if you’re going to be an annoying bitch”. 

It’s easy to convince yourself that you’re just being smart, just trying to survive as you obediently wash up and don your humiliating uniform, that it isn’t just you being a coward as you submissively go about your usual work day, still sitting with thighs pressed against Oikawa’s legs at meals, making no move to brush off the heavy arm he slings around your shoulders, only slightly flinching when his fingertips teasingly play with the hem of your skirt as he converses with the rest of the Seijoh Four. 

But you can’t deny that all you are is a weak fool, desperate to live when you shakily accept the pills he pushes towards you again that night, silently crying yet not doing anything to prevent the inevitable as you swallow any self-respect or pride you had along with the smooth pellets under his watchful gaze, too scared of the glimmer of gunmetal you see on the inside of his jacket to even think of resisting. 

And history repeats itself. Over and over again. 

Oikawa smiles at how different you are from that skittish creature who fled from his every touch, smirking at how naive and innocent you still are as you try to hide how eager you are for your daily dose, unaware of how he’s slowly been increasing it every night, ignorant of how you unconsciously lean into his touches, pretty lips wrapping around his fingers as he hand feeds you. 

Do you know what an animal you are in bed these days? Do you realize how little there is left to differentiate you from one of his filthy whores when you’re so doped up on whatever he gives you, moaning like a pornstar and leaving vicious red claw marks on his skin as you bounce on his cock? 

And he knows it’s time to move onto the next phase of your conditioning when there’s not even a speck of shame in your clear eyes when the sunlight begins to filter through the window, knowingly smiling in satisfaction when instead of slinking off to wallow in your regret you shimmy down between his legs and begin to nuzzle and mouth his morning wood, face full of nothing but wanton desire as you take his cock in your mouth. 

He doesn’t give you anything that night. Or the next night. Or the one after that. He doesn’t so much as even look at you outside of your usual eye contact, not a single flirtatious word slipping past his lips.

You should be grateful. This is what you wanted, right? To keep things strictly professional between the two of you. To not be coerced into the artificial pleasure you’ve been swallowing on a daily basis for the last month now. To not feel like just another warm body for Oikawa to taint. 

Your interview notes and open tab of job listings are right there, begging for your attention, practically screaming at you to pursue the life you’ve always dreamed of. 

Yet here you are, not even a week later, on your knees in between Oikawa’s legs as he leisurely reclines in his chair, peppering his inner thighs with kisses and rubbing your face against the growing bulge in his trousers, begging and pleading for another dose, feeling utterly empty and cold inside, unable to sleep, unable to focus, unable to function without the nights of hazy ecstasy. 

Your heart drops at the long disappointed sigh the brunette releases. 

“Drugs are expensive, cutie. I was just being nice and letting you try some new batches we’ve been producing, but now that they’re on the market, I can’t just keep on giving them to you for free.” 

He rolls his eyes when you adamantly tell him you’ll pay whatever the price is, a condescending smirk splitting his face from how quick you are to shut up, soul crushed when he reveals the extravagant cost, a price he knows you can’t afford with the salary he’s providing you with. 

But he artfully softens his smile as he begins to unbuckle his pants, sliding the fabric down and letting his throbbing cock spring into view, chuckling when it lightly slaps your face as it’s released from its confines, wondering if you’re drooling from the sight of his erection or the pills he’s playfully placing along the length of it. 

“I know you don’t have that money, cutie. But I’d be willing to accept other forms of payments.”

The words are barely out of his mouth before you’re rushing to take him in his mouth and he loudly laughs at how obscene you look, slobbering all over his length, fervently bobbing your head up and down, hastily trying to deep throat him to reach the pill strategically placed right at the base of his shaft, lips puckering as you inhale the drugs, swallowing around him in a way that has him groaning as you stuff your face full of chemicals and pre-cum. And it doesn’t take much longer for him to wash your mouth and throat with warm rivulets of sticky white fluids as he watches the goods take effect, his balls tightening and cock straining with arousal as you reach between your legs, fingers playing with your tight dripping hole while your lewd moans vibrate against him. 

It’s pathetically endearing how you can’t keep off of him after that, insisting on sitting on his lap during meals, your cute ass grinding against his clothed cock, always dropping to your knees in between chores, warming his cock in your greedy mouth, always asking him how many pills you’ve earned so far. You really are just his little slutty drug addict now, aren’t you? 

But he needs you to be more than that, needs you to learn that you belong to anyone who’s willing to give you the high you crave, needs you to realize that you’re just a free use drug addicted whore for anyone and everyone to use. 

So despite how tempting it is to just plunge balls deep inside your tight little pussy, he shoves you off of him one night as you try to grind against his body, feigning exhaustion and boredom of your body, watching in amusement at the panicked crazed look that flashes across your face at his words. Well aren’t you a beautiful sight, throwing yourself at his feet and groveling, saying you’ll do anything for another dose. 

Anything, huh? 

In your defense, even through the daze of your withdrawal, there’s still a wary expression on your face when Matsukawa and Hanamaki enter the room. Maybe you aren’t as broken as Oikawa had thought. But when you see the little baggies filled with the tablets you’ve become far too familiar with twirling between the duo’s fingers, you practically lunge at them and Oikawa finally allows himself the pleasure of reaching into his pants and stroking himself to the debauched sight playing out in front of him. 

Maybe he needs to fuck you in front of a mirror more often if this is what you look like from an outside perspective. It’s like you were made to be used, to be just a warm toy for men to use and Oikawa can’t help but think you look best like this, cocks penetrating both your front and back holes, your body squeezed between two bodies. And he fondly smiles at how you have Hanamaki’s face between the palms of your hands, your lips locked in a sloppy kiss as your tongue ravages the strawberry blonde’s mouth, searching for the pills the man had playfully placed on the tip of his tongue in front of your very eyes before winking at you and telling you to come and get them yourself if you wanted them so badly. 

They keep your daily training a surprise, mixing up who gets to wreck your body each day, how many cocks and rounds of cum you’ll need to pay with, what pills and dosage you get. Always keeping you lost and confused, making sure your mind is just a muddled mess that can only think of reaching your next high by any means necessary. 

Hell, even Iwaizumi takes part when he realizes that you’re beyond the point of no return, that Oikawa wasn’t joking when he said that there is no other choice for you anymore. This is your life now. This is who you are now. This is your “happily ever after”. He knows all that, can see all that in the way your dazed eyes only come to life at the sight of your addiction, your otherwise listless body perking up at the sound of the tiny objects rattling in their container. And yet a small sliver of guilt has him growling at you to get on all fours, ensuring your face isn’t visible, turning you into just another body for him to mindlessly use as he pleases. 

It’s an uncomfortable position, borderline painful as your knees rock back and forth on the hard floor with every brutal thrust of Iwaizumi’s hips. But you don’t care, the aching pain in your legs just dull background noise as you fixate on the tablets scattered on the floor in front of your face, dropping your entire upper body low to the ground, only your hips raised high as your mouth snaps forward. You’re so close and you mewl as your lips make contact with the first pill, uncaring of the pitiful sight you make licking and lapping the floor, whimpering when a hand firmly grabs you by the hair and roughly pulls your face away from your feast. 

“Maybe we should get you a dog bowl, cutie. It’s humiliating even for you to be eating from the dirty floor like that. Hold her hair for me, Iwa-chan.” 

You crane your neck back and forth, jaw jutting forward as you frantically fight against the tight grip holding you back, mouth drooling and tongue extending like a ravenous animal. But it’s no use and you whine, too focused on your unfinished “meal” to notice how Oikawa is still standing in front of you, cock pulled out from his pants, his hands rapidly fisting the shaft. And only when thick white spurts glaze the remaining pills do you whip your attention towards him, staring with hopeful wide eyes when he crouches in front of you and grabs your face. 

“When Iwa-chan lets go of your hair, you’ll get to have the rest of your treats, but you also have to eat the special seasoning I’ve generously given you, okay? If I see even a speck of it left, you’re not getting anything tomorrow, understand?”

Oikawa laughs at how vigorously you nod your head and with a nod in Iwaizumi’s direction, you’re released and the two men watch on as you lick the floor until it’s sparkling clean, slumping your face in the mess of your own drying saliva as you reach euphoria once more. You wail as Iwaizumi shoves you off a cliff and into floating clouds of bliss with one last thrust, the drugs in your system weaving a comforting cocoon around you that you melt into, unable to escape its soothing pull, giggling in content as his seed fills you to the brim. 

There’s silence as Iwaizumi pulls out of you, tucking himself back into his pants before sitting besides Oikawa, joining him as he continues observing your used and drugged up body sprawled across the floor, a dopey smile on your face as cum begins to leak out of your spent pussy. 

Minutes pass and Iwaizumi sighs, knowing what Oikawa is waiting for him to ask despite how insistent he has been over the years about not wanting to be involved in this particular side of the business...

“Are you going to have her start working at the brothel soon? She seems just about ready.” 

“Not yet. I want to give her a few test runs first before I have her work full-time at that establishment. She’s only been with the four of us, so I’m curious to see how she is with a complete stranger. It’s perfect timing too since Sawamura is coming over for a meeting soon and I know he won’t damage the goods if I gift her to him for a night or two. Plus, she hasn’t completely lost her mind yet so we can get some more use out of her before we toss her aside...”

The brunette rambles on, tone light and airy as if he’s just discussing the weather or a TV show he watched, as if he’s not mere feet away from a woman he’s utterly destroyed and rebuilt into just another brainless profit-making doll. 

And Iwaizumi tunes him out, already having heard almost this exact speech countless times by now, unable to even keep track of how many others like you there have been in the past, unwilling to think about how many more there will be in the future. But he snorts at Oikawa’s typical closing line.

“I guess it’s almost time to find a new cute maid.” 

[softboywriting]

Little Moments | Billy Russo

Summary: Tension in familiarity leads to confessions after a terrifying event. [Billy Russo x Reader] [Violence] [Blood] [Gunshots] [Assistant!Reader] [Alternate Timeline - Castle family not mentioned/never happened] [Fluff] 

Word Count: 4.1k

A/N: This is my first Billy Russo fic, we’ll see where this goes yeah?

Just over a year ago you took a position as an assistant with Anvil. The job wasn't too bad, basically you took care of paying the bills for the facility, keeping inventory of supplies and equipment, scheduling appointments and keeping track of who was deployed where and why while keeping tabs on them and their duties while on deployment from Anvil. You had done work like this before, managing in a grocery store in your early twenties. It wasn't all that different, just instead of managing products you managed people. No the job was not difficult but your boss. Well. He was something else. 

William "Billy" Russo was a force to be reckoned with. Intelligent, handsome, cunning. His smile could kill. His eyes...they were something all their own. To say Billy was attractive was an understatement. But attraction was only part of the problem. The other part is his sharp tongue, quick wit and dry sarcasm. A year of sharing an office with him had put you on edge. You never know what he would do next, what he would say next. Some days you wish you could fuck him right there in that expensive leather rolling chair behind his desk. Other's you want to rip his leg off and shove it where the sun doesn't shine. The two of you got close, going back and forth with playful banter almost daily. It's like you’re always on the edge of being something more, if one of you would just make the first move.

Things finally come to a head one day when you've got a particularly large workload on your plate and Billy has decided to go on one of his little rants about who knows what, you tune him out. He is always coming into the office and talking to himself. Maybe he is talking to you, but you rarely participate in the conversation. At first you thought he was on a call, using a headset or something, but no. He just talks, and he talks a lot.

"Can you shut up for five fucking minutes?" You snap, head pounding from eye strain. You've been at the computer for six hours now, and you're trying to transcribe a call from one of his units over in Turkey about a job. Billy's mindless chatter has gotten on your last nerve today. 

Billy stops, falling silent somewhere near his desk. The room becomes thick, heavy with tension as you both remain silent. You've never snapped at him, not seriously. You've told him to go fuck himself but in a playful way. This was too real. Too loaded. He's your boss. Fuck.

You're not one to apologize when you're not actually sorry though. You remain silent, knowing he expects you to say something. He wants you to take back your words but you won't. 

"How much work do you have left?" 

Your eyes flick from the screen to him. He looks flushed. Angry? No. His eyes hold no malice. He looks aroused. No way. A cold sweat runs down your back. He must be livid. "I'm transcribing a call right now then I have to make copies of some invoices, order new foam guards for the weight benches and-"

"Finish the call. Then go home."

"Yes, sir."

Billy pushes off his desk and exits the room, leaving the door open behind him. You know that he isn't happy with your little outburst. You just don't know why he won't say as much. He looks turned on if you didn't know better. Or do you? 

The rest of the call goes smoothly now you don't have to pause every few seconds to rewind and listen to it to make out exactly what the unit leader was saying over Billy's chatter. You wrap up and head out as you were told. On the way out you pass Billy with a few of his higher up employees.

"Good night, Mr. Russo." You say softly with a hand raised in a wave. You always call him by his last name around other people. It's not much of a gesture but you want to keep things calm and civil. He nods, face unreadable, and gives a little raise of his hand as well. More than you expected, and it puts you at ease that you might keep your job. 

_____________________

"I'll have my assistant arrange the payment from you after the contract is finalized." 

You stop by the door to the meeting room to listen in. The men in the room with Billy are potential clients, men who want private security for multiple locations. You had greeted them when they arrived and showed them to the meeting room. They rubbed you the wrong way. You met a lot of men and women in your year at Anvil, a lot of different people from different walks of life. None of them made you as uncomfortable as these men had. You step away from the door and go to the office. If Billy wants to get in bed with them then let him. That's not your call.

"Let me grab the paperwork from my assistant." You hear through the closed door and Billy steps in, closing it behind him. "Can you give me a new client contract?" 

"Sure." You pull open the file drawer on your right and thumb through the papers. "They must be very promising work."

Billy leans on the side of the desk, quirking an eyebrow up at you. "What's got you so mouthy lately?" 

You cut him a glare and he chuckles. 

"You don't like them?"

"I'm not fond." 

"Why?" 

"They feel wrong." You extract a thick booklet of paper and hand it to Billy. "But let's not pretend you care what I think, Mr. Russo."

Billy rolls his eyes at the formalities. "You know damn well I value your input just like I do from any other person who works for me. Talk to me."

You sit up and lean back in your chair, eyes on his, your heart pounding. He's looking at you so attentively it's hard to focus. Those eyes, so soft and warm staring back at you. Fuck. He could make you spill the truth about everything without trying. "They give me a bad feeling. The second I greeted them they just...felt bad? I can't explain it."

"We work with a lot of morally gray people in our line of business, sweetheart." Billy leans back, hands spreading out on the desk. His hands, fuck they're nice. "But I will never ignore a gut instinct."

"So you won't sign the contract with them?" 

"I'll do some more investigation before I do. Talk to a few friends in high places."

You nod and slide forward to sit at the computer, closer to him. What a mistake. You can smell his cologne, his heat is pouring into your knee beside his. It takes everything in you to keep your eyes forward on the computer. He reaches over and lays a hand on your shoulder, making your body flush with heat. Why did he have to touch you? 

"Yes?" You ask, sparing a quick glance up at him. Mistake. He's staring down at you with those beautiful obsidian eyes. God they're so big and he's such a-

"Thank you."

"For what?" 

"For telling me. You've never come to me like this before about a client. I like it."

"Oh. Well it's your business so-" 

Billy leans in close to your ear and you feel that cold sweat return from when you told him to shut up. This time it's not fear or panic, it's arousal? The closeness is getting to you, your head is swimming. "You're just as important to me as this company. Remember that." 

You nod.

"Couldn't hear you."

"Y-yeah. Yes. I will."

He pushes off the desk and slides the papers he had been leaning against closer to you before he picks up the contract and smacks it against his hand a few times. "Will you set up a meeting with the Rodgers Estate for later?"

You grab a pen and scribble it in your planner. "Got it Mr. Russo."

"One more thing." He says and you look up. His hand is on the door handle. "Have a drink and relax? You're a little wound up lately. And drop the Mr. Russo shit, call me Billy when we're alone. You know that." He smiles and gives you a wink before slipping out the door to meet the clients in the hall.  

A drink? You need a week off, a spa getaway and a new career. Billy Russo is driving you up a wall and he doesn't even see it. Or maybe he does. Shit. 

_____________

A week later. Just before eight in the morning you're settled into your desk, ready to start going through some new shipment invoices when you hear a commotion downstairs. It isn't unusual for the trainees to get out of hand from time to time, fights break out, things get heated. You dismiss it and go about your work. 

"Six new treadmills? What the hell are these people doing to them?" You sigh and type the invoice number for Sports Equipmentz LTD into your system. "Billy is gonna get an ear full for this one."

There is more comotion and you look at the closed door. Another fight? Billy doesn't stand for that kind of stuff on the training floor. He would have stopped it by now. Actually, no one should be in the facility except you and Billy this early. What the hell is that noise.

You push up from the desk and go to the window beside the door, peeking through the blinds. From what you can see nothing looks out of balance. Then you hear gunshots and your stomach churns, cold and sick. There is no live fire allowed in the facility. All firearm training is done off site. 

"Fuck." You flip the lock on the door and look around for something to barricade the floor to ceiling window beside the door. There is nothing you can move alone. You flip off the light and head to your desk, grab your phone and dial Billy's number. 

No answer. You sink down under the desk and pull the chair in close. Maybe if someone does get in they will think the office is empty and move on since the desk looks unused. You reach over and shut down the computer tower, then reach up and pull down all your paperwork to clear the desk. 

Thumping from the bathroom on the other side of the office makes your heart pound. Someone is on the upper floor with you. A gunshot. Tears well up in your eyes. Why didn't you let Billy get you a conceal and carry? Why didn't you do that gun training six months ago? Because you're afraid of guns and you couldn't trust yourself not to hurt someone on accident. Fuck. Fuck! 

The door handle jiggles. You cover your mouth and try dialing Billy again. The phone disconnects as soon as it rings once. Goes straight to a voicemail. You can't remember if he is with a client today. There are voices outside the door, then a gunshot so loud you know it's just on the other side. You close your eyes, press your face into your knees and try to imagine you are invisible. 

The door opens, not with a kick, but unlocked and you can't breathe. You can't move. They're moving around the room. Billy's desk first. Papers are rustled, then the footsteps grow closer. You shrink yourself smaller, arms in pain from holding your knees so tight. 

"If they took you, I swear to God I will-...there you are." 

You look up and Billy is knelt down, arm on the desk as he looks at you. He's a fucking mess of what you can only assume is blood and God knows what. "Billy, oh god for fucks sake." You cry and he shoves the chair away to pull you out onto his lap. 

Never have you clung to someone so hard in your entire life. You press your face into his neck, hand digging into his back harshly as you cry in relief. 

His hand slides up your back and cradles your ribs on the left. "Hey, hey." He murmurs softly and you stop crying so hard. " What did I promise you when I hired you?" 

"That I would be safe. That no matter what I would be safe and a-all I had to do was paperw-work." 

"That's right." Billy pulls you back gently, tugging your shirt to guide you. He looks horrible, but none of it seems to be from his own injuries. "Aw, fuck. You're a mess now." 

You look down at your shirt and it's got blood on it. "Oh god. Oh god wh-who..."

Billy shakes his head. "Don't think about it too much." He presses a kiss to your temple, hand on the back of your head. "Close your eyes, don't look at it."

"What happened?" 

"I'll tell you later."

"I didn't know what to do."

"Hey, no, no shh. You were a good girl. You stayed quiet, stayed down and locked the door." He rubs your back and pats your side. "We're going to get out of here and I'll handle the situation from the apartment."

You nod and peek your eyes open for a second. "It's bad out there isn't it?" 

"It's not pretty. I'll get you outside and we'll get out of here, don't worry." 

"Okay."

_____________________

You had never been to Billy's place. Never had a reason to go. It's more industrial than you expected, modern industrial chic. Posh. Very expensive obviously, but that was Billy. Well dressed, well spoken. He looked the part to play the part. 

He set you up in a large bathroom and gave you clothes, a shirt and a pair of pajama pants. They might fit alright, Billy is quite a bit slimmer than you are in the hips and thighs. 

You look in the mirror and clench your jaw. Your peachy colored blouse is ruined, your sweater is fucked. Your face. God your face has someone else's blood on it. Across your cheek and nose where you had pressed your face into Billy's neck. 

There is a pile of washcloths and you grab a few, soaking them and scrubbing at your skin. You pull your clothes off fervently, desperate to be clean of strange blood. The shower is large, open and ready to be used. So you do. You get in and turn the water on and sit on the floor, processing. It was all a blur. Everything happened so fast. Was it even real?

Some time passes and you see the door open. The water is getting lukewarm as it cascades over your skin. You don't even care if he sees you naked you're so out of your own head. 

"I'm going to head to Anvil. The police have arrived to investigate the break in."

"Okay." You croak, not looking away from the wall opposite you.

"You can stay." Billy walks into the room and leans over the shower to turn the water off. He squats down beside you and offers you a towel from the warmer by the toilet. "Mind getting out of there for me?"

"Billy, what happened?" You look over at him and he looks...normal. He's in a blue sweater, dark jeans, boots. It's the most casual you've ever seen him. He's always been a suit man to you. Here he looks like a guy you'd meet at a bar and share a few beers with. The guy you'd take home and laugh about jokes with from stupid comedian on TV. It's strange, but warming. 

He helps you up and wraps you in the fluffy gray towel. "Your feeling? About the clients I met with?" 

"Yeah?" 

"You were right." He slicks your hair back off of your face. "They got wind that I was looking further into why they wanted my employees. It was for a human trafficking operation. I don't do human trafficking, and I was going to decline the offer. Some snitch at the Rodgers Estate let it out that I was asking questions. I guess they thought they could clear their tracks by killing me."

"O-oh."

"Mmm. I didn't think they would do something in broad daylight but here we are. Amatures." Billy steps back and runs a hand over his hair. "I called the police, said that I got a notification that the building had been beached through an unauthorized entrance. It's not a lie. Technically they did. Thankfully I wasn't there."

You step out of the shower and grab the clothes he gave you from the counter. "But you were. You...you killed those men." 

"No, I incapacitated them." He crosses his arms and pulls his lower lip between his teeth. "It was me and you or them. We were the only ones in that facility. I wasn't going to let them hurt you."

"H-how do you explain that?" You sit on the toilet and Billy leans on the doorframe. "What if-" 

"That's my job sweetheart. You worry about yourself, here. I gotta go meet the cops." He pats the wood a few times and looks out into the hall. "Call me if you need anything. I promise I'll answer no matter what."

You nod. 

"I'll be back later."

____________________

Hours pass and you become familiar with the apartment. It's huge, the penthouse of a very expensive building downtown. It has two bedrooms, two baths, a kitchen and dining area, a living room, a balcony that wraps around and has a fire pit and a small private pool. It's more luxury than you could ever afford. Not that Anvil doesn't pay well, because it does. This is just far more than you could ever make. 

In Billy's room there aren't any personal touches. It's clean, picture perfect even. Like at any moment someone could come and take photos to sell the place. There is a picture on his bedside table, the only thing that isn't straight from a design catalog. It's you and Billy with a few investors. Your first meeting he ever brought you to. How could you forget? He bought you the dress literally an hour before the meeting because yours ripped in the back. It was possibly the most embarrassing thing you've ever done in front of a boss. He didn't make you feel bad or anything, he simply asked your size, stopped at a shop on the way to the dinner and got you a dress. It was just that easy, that normal. 

You set the photo down and lay back. Your eyes close and you imagine what Billy is like outside of work. Of course you've gotten a taste of that, all the banter and shared stories. Nothing too deep but enough to keep conversation going. You probably shared more than him, way more. It was like when you started talking to someone you couldn't stop. You just, information overload the poor person. Usually people get spooked away, or they tell you that they don't care or don't need to know. Not Billy. He just listened, gaze fixed on you while you talked. Maybe that's why you like him so much. He listened. He cared. 

"Cozy?" 

You roll over and open your eyes to find Billy in the doorway to his room. "You're back. I didn't hear you come in?" 

"There is a bed in the other room y'know?" He chuckles as he goes to sit at the end of the bed and pull his boots off. "Or do you just like mine because it's bigger?" 

"Oh yeah, yours is much bigger. Comfier too." 

He hums. "Go through all my shit?" 

"You know it." 

"There's my girl." He looks back and he's smiling. "I was getting worried about you. You seemed pretty shaken up."

You sigh and shake your head. Of course Billy doesn't think about how you've never been in a dangerous situation short of falling from a tree when you were ten. To him gunfire and blood were in a day's work as an ex marine special operations. "I think I'd be more worried about you."

Billy turns and crawls up the bed, leaning with his head on his hand, elbow propping him up. "Why's that?" 

"Been a while since you saw live action hasn't it? You're not worried about PTSD?"

"I've seen plenty of action since I got out. I know the risk I take running the company I do. It hasn't happened before now but it was bound to eventually."

"Right, yeah."

"Do I scare you?" 

You shake your head. "No, not really. I know you've done things, seen things that I couldn't even imagine. It's part of who you are, who you were." 

"I'm sorry you had to see me like that. It was them or us. You know that right?" 

"Y-yeah. I know." You pick at the bedspread and he bumps his hand against your knee. 

"You alright? I tried to keep you...away from it. I know you aren't like everyone else."

"I'm not ex military you mean." You feel your chest tighten. "I'm a civilian. I can't defend myself." 

Billy sits up and lays a hand on your back. "Hey, hey."

"I shouldn't stay at Anvil. I should just go somewhere else. I can't do this, Billy, I'm scared what if this happened again?" Tears spill over and down your face. "I-I can't." 

"I will never let anything happen to you." He turns your face to look at him. He's warm, his lips plush, eyes on yours. "You can work from home if you want. I'll stop by and bother you and make you tell me to shut up." He smiles a little as your lips turn up at the telling him to shut up part. "You like that?"

"I don't know, but I think you do." 

Billy laughs softly, his smile wide. "Maybe I do. You noticed that?" 

"Maybe." You wipe your eyes and he brushes a stray tear away with his thumb. "Why do you care so much? I'm just your assistant." 

"Because I love you."

"W-what?" You hiccup as your breathing stops for a moment. 

"You're like family. I trust you with everything, I tell you everything, you're my girl." Billy runs a hand through your hair. "I can't lose you." 

"I don't-...I'm just-" 

His lips press against yours and your eyes fall closed. It's an innocent kiss, soft and loving. "If I read this wrong all this time, you gotta tell me." He murmurs, head pressed to yours. 

"No, you didn't. I just, you just caught me off guard." 

"Yeah?" He smiles, nose scrunching up against yours. He places his fingers under your chin and tilts your head up to kiss you again briefly. "You're sure it's okay?" 

You nod and he pulls back to kiss your temple, holding his nose to your hair and cradling the back of your head. 

"Get some rest, I've got some calls to make." He climbs off the bed and heads for the door. 

"Are you leaving?" 

"No." 

"Good." 

He walks back quickly and kisses your cheek. "I mean it. Get some rest."

"I would if you'd just go already."

"Oh. You think you can just get rid of me?" He crawls back on the bed and you fall back as he straddles your hips. "You think you can boss me around huh?" He starts tickling your sides and you squeal, thrashing under his surprisingly strong hold. 

"Stop! Stop! I yield!" 

Billy stops and bends over, bracketing your head with his arms. "I knew you'd be fun to torment outside of that stuffy office." 

"I hate tickling." 

"Oh that's very obvious. I've made a mental note, highlighted it in yellow and everything." He bumps his nose against yours. "I'm gonna find everything that makes you tick." 

You reach up and run a hand over his hair that's flopping forward from lack of product. "Expect to get as much as you give." 

"Oh I do." His lips ghost over yours as he speaks. "I look forward to it." 

You shove his head to the side and he flops over. "Don't you have calls to make?" 

"Maybe." 

"Go make your calls. I'm going to stink up your bed and rifle through your drawers more." 

"I expect no less." He says, getting up and going to the door once more. "Let me know if you find anything you like, yeah?" 

"Get out!" 

He just cackles and you close your eyes. This is really happening. Funny how the world works in mysterious ways. You never thought you'd be the one to snatch Billy Russo off the market but here you are, and you're pretty damn proud of it. 

The end 

-----------

Header image by delicate-venus

Thank you so much for reading, please reblog to support content creators. -A

[lexa-lives-in-us]

Saving Tips for Hard Times

I found this old document where I collected a series of tips to save money. This is all part of my experience of when I was near homeless, and some work depending on where you live, some don’t. Here we go.

BILLS:

1. The optimum temperature for refrigerator operation is 5°C, and -18°C for freezer operation. As a rule of thumb, for each additional degree of refrigeration output about six percent more electricity is used.

2. Unplug your appliances. Lamps, microwave, tv, computers etc. They don't need to be plugged until you use them, and it saves energy to keep them unplugged. Therefore, money.

3. Do homework for phone companies and internet plans. Call them! Often they are toll free and if you mentioned that you were already with them or thinking of going with them and then found out another company had a better deal, they could offer you deals for lower prices. I had to do it all the time for my phone, until they couldn't really offer anything better.

4. BIKE. Invest in a used bike if you can, especially for the warmer months. It offsets the transit costs and better your health.

5. WALK. That's the same as the bike, honestly.

6. Pay your bills on time, you will avoid late fees which can up to HUNDREDS of dollars wasted over the course of a year. If you can, set up automatic payments so you don’t forget.

FRIDGE:

1. Every time the refrigerator door is opened, cold air escapes and warm ambient air enters. To compensate for the temperature increase in its interior, the refrigerator must then use energy to bring the temperature back down. Always avoid opening the door unnecessarily and for too long.

2. When defrosting frozen food place it in the refrigerator. Not only does this ensure that the food is carefully defrosted, its presence cools down the refrigerator interior, reducing the amount of work that the compressor has to do, and therefore lowering energy consumption.

3. Never put warm food in the refrigerator as this will heat up the interior, as well as other stored foods. Hot food should always be allowed to cool to room temperature before placing it in the refrigerator

MONEY:

1. Keep all the containers like glass bottles, juice bottles, jars, cans etc. Look for your Return-It depot and have trips to return them. They give back coins for laundry, small expenses etc

2. Use that junk mail. Go through it, find coupons for food, for essentials like toilet paper or shampoo.

3. CHECK. THAT. DOLLARSTORE. They often have things like pasta, ketchup, toilet paper, batteries etc for literally 1 dollar.  Pasta is pasta, toilet paper is toilet paper. Seriously. Don't need to spend 5$ on a shampoo bottle when you can have it for 1/5 of the price.

4. Do homework and check with different banks for which one offers a better plan. Some of them are willing to help out. Sit down with their advisors, find the best solution!

5. Use the envelope system! For example, one envelope with a label “food” the other with “entertainment” the other with “bills”. Then set the right amount of cash for each. That’s what you’re allowed to spend each month. If you realize you need more for food, grab it from the entertainment envelope. Adapt and arrange as needed.

6. If you can, set up an automatic saving (example 50$ every paycheck) for both regular saving AND an emergency fund.

7. Use the 24-Hour Rule. Avoid purchasing expensive or unnecessary items on impulse with a self-imposed 24-hour rule. For any non-essential item, wait 24 hours before purchasing. It’s perfect for online shopping where your items can simply be added to your cart to purchase later.

8. Make a grocery list BEFORE going to the grocery store and STICK to it. You’re going to avoid buying things you don’t really need.

9. DO. NOT. SHOP. WHILE. YOU. ARE. HUNGRY. Or you’ll end up buying food that you actually don’t need just because you feel snacky!

10. Only use ATMs from your bank, or you get charged small fees.

11. Set a “No Spend Day” per week, where you consciously DO NOT spend any money for that day.

12. Ditch the paper: Cutting out paper towels and using cloths and napkins that you can simply wash and reuse is a simple way to save.

13. After you wear clothes, hang them outside your wardrobe, on a door or something. You can air them out a bit, then stick them in the closet without washing. You can basically reuse the same clothes two or three times without having to wash them, sometimes they just need a bit of air and they won’t smell AT ALL.

14. If you don’t own or want to spend money on an iron, hang whatever blouse you need to iron in the bathroom while you shower. The steam will humidify the fabric and straighten it up.

15. Hang stuff to dry. Really don’t need to spend money on the dryer.

16. Sign up to the library. They have so many books and DVDs nowadays. You can also just go, sit at the library and stay warm for a while, so that you don’t have to sit at home and either suffer the cold or use money on your own heat.

17. Budget, budget, budget. Get a lil notebook, write down the monthly expenses, cut what you don’t need. It gets easier with time.

 FOOD:

1.       Make a meal plan. Write 10-14 days worth of dishes that you can do (lunch, dinner, everything you need). You can then toss them around as you go on with your week, but that way you have a pretty clear idea of what you use and the food you go through for how long. It also reduces the risks of getting take out since you already have plans for what to eat.

2.       Cook double! Seriously. Make that dinner and double it up. Leftovers can be frozen or put in the fridge for the day after.

3.       Meal prep. Once a week, prep a bunch of different recipes. Let them cool down, stick them in the freezer. At that point you’ll already have all these meals at the ready to just thaw/microwave or oven up.

4.       You don’t need pop. You don’t need alcohol. You most likely don’t need milk, but go for it if you wanna. Just remember dairy products go bad WAY more quickly than non dairies, so consider getting food and drinks with no dairy in them. Mainly, though. Water. Just drink water. Lots of it too! Sometimes our brain can’t tell the difference between hunger and thirst. You think you’re snacky? Drink some water instead! It’ll quell your hunger.

5.       Freeze fruit! If you think you’re not gonna be able to eat fruit in time, put it in a Tupperware or a ziplock and slap it in the freezer. You’ll be able to then use it for smoothies.

6.       Use the Italian saying “Colazione da re, pranzo da nobili, cena da poveri.” Which quite literally means “Breakfast as a king, lunch as a noble, dinner as a poor.” Breakfast should be very filling, carbs, protein, vitamins. It carries you for the whole day. Lunch should be quite filling too! But supper doesn’t really need a lot of it, and if you REALLY have to skip a meal, skip supper. Your body doesn’t need that much sustenance while sleeping.

7.       This is for the desperate times but I’ve done it, and I would do it again if I ever had to. Go to markets that have like… Fruits and veggies. Talk to them. Ask them “HEY, can I have the fruit/veggie that you have to throw away?” Ask them if you can have the ugly produce, the one that doesn’t look pretty enough to be put out. Or ask them to have whatever extra they have to dump because is past the expiry date. EXPIRY DATE IS USUALLY MUCH LONGER THAN WHAT THE LABEL SAYS. I wouldn’t risk it with dairy stuff or with things that are VERY expired, but one or two days? Totally fine, I promise. And if you have to? Dumpster Dive. Especially at markets with fruit and veggies that have to be sold on the same day (because it’s not considered “fresh” past that day.) Or behind pizza places like Dominos or Panago or whatever chain. They get pizza orders wrong all the time. Just give a peak behind these buildings and look inside their boxes. You have no idea how many times I found perfectly fine pizzas. For free! IF YOU DUMPSTER DIVE, MAKE SURE YOU HAVE GLOVES, A MASK AND PLASTIC BAGS TO PUT YOUR STUFF IN. ONCE AT HOME, DISCARD GLOVES AND WASH PRODUCE THROUGHLY. Also check tumblr for your divers community, they usually know the best spots.

 CLOTHES:

1.       Thrift shop! So many GOOD used clothes are out there! Honestly! My whole wardrobe is thrifted and everything looks brand new. It takes a bit of research and maybe that shirt you liked is not in your size, but you can find EVERYTHING, from socks to bras, at a thrift store. Don’t thrift underwear though. You want to go new with those.

2.       Invest in some needle and thread, then open youtube. There are SO MANY tutorials that teach you how to mend holes in socks and underwear. And really, no one will really notice if a mend is perfectly done or not. After a week, you’ll forget it too! But that prevents you from throwing away clothes that could just be mended a little.

3.       Something doesn’t fit you? Too small, too big? YouTube, homie. They have tutorials on how to fix these kinda things! All you need, again, is needle and thread.

4.       Organize clothes swaps with friends and/or neighbors. Everyone brings clothes they don’t need, put them in a pile. Go through the pile and grab whatever there is. There’s no money exchange, one could go home with 1 item and one could go home with 50 items. Who cares? The extra stuff… DONATE IT TO A SHELTER.

Feel free to add more, and stay safe!

[mostlysignssomeportents]

Dead, broke

Of all the moving, wrenching accounts of death during the pandemic, Molly McGhee’s “America’s Dead Souls,” for The Paris Review stands out: haunting, furious and sad, an rude awakening of the status quo that denies any possibility of inaction.

https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/

I’ve known McGhee a long time, since she worked on my book INFORMATION DOESN’T WANT TO BE FREE from McSweeneys, a professional association we renewed when she landed at Tor.

During the pandemic crisis, I’ve had two different connections to her: on the one hand, the consummate professionalism of her emails as we published my novel ATTACK SURFACE in the middle of the lockdown.

On the other hand, I knew her through her wrenching and deeply personal Twitter account of the personal tragedies she’s endured over the same period. Her Paris Review essay brings those tragedies into sharp focus and uses them to pin a huge and heretofore ill-defined feeling.

McGhee’s mother died during the crisis, but the death was the culmination of years of hardship: “[earning] less than $10,000 a year. Suffering from debilitating depression while caring for her aging parents…chronically unemployed, undermedicated, and overstressed.”

Her mother’s debts were on public display through searchable databases, and her life was haunted by both con artists and bill collectors who carpet-bombed her with calls, letters and emails.

She was too poor to fight back: her wages were garnished by the IRS “for back taxes calculated from a years-old misfiling they refused to correct.” McGhee sent her months of her salary, but it wasn’t enough.

She had no answer for her mother’s rhetorical questions, “Why are these people harassing me? What good does it do them?”

Because the answer is obvious and insufficient: “The people in power don’t care if we live or die, as long as they get paid.”

It only took two days after McGhee’s mother died for her creditors to begin harassing her for her mother’s debts. The state of Tennessee seized the house, but Wells Fargo expected her to make good on the mortgage.

The hospital where McGhee’s mother died wanted a quarter of a million dollars. McGhee, not even 26, was staring down the barrel of the weapon that had been trained on her mother, the inheritor of nothing but debt.

The debt-machine is efficient. Bill collectors found out about McGhee’s mother’s death before McGhee’s own family got word. And they’re remorseless, immune to McGhee’s “pleading, bargaining, reasoning, denying, uploading, scanning, begging, faxing, and crying.”

McGhee compares it to Gogol’s “Dead Souls,” a surreal tale of a grifter named Chichikov who buys dead serfs’ souls to sell for profit.

It’s only surreal if you’ve never been in the debt system’s crosshairs, “where one day of lost wages can compound into houselessness.”

We live in a system of winners and losers. The winners’ winnings come from debt, shielded from the system’s cruelty by “professionalism and bureaucracy” that insulate them — and their functionaries — from “feelings of culpability, not to mention empathy or curiosity.”

Poor people have less money, but the system is firmly focused poor people, because people with money can defend themselves. When McGhee went into debt to hire a lawyer, a single letter on official letterhead instantly reduced all that debt by 90% — more than $250k, poof.

It’s expensive to be poor. Take Community Health Systems, one of the largest hospital chains in America. It sues the shit out of poor people. When those people can afford lawyers, CHS loses, because it is chasing debts it is not entitled to collect.

https://pluralistic.net/2021/05/18/unhealthy-balance-sheet/#health-usury

CHS itself owes $7.6 billion. It turned its first profit in 2020, thanks to hundreds of millions of dollars in state and federal subsidies, and its executives pocketed millions in “performance bonuses” for a performance that consisted of getting bailed out by the public.

The Trump stimulus handed trillions to the richest people and biggest companies in America. Those companies “leveraged up” their handouts to raise trillions more and went on spending sprees, buying up struggling businesses.

https://pluralistic.net/2020/09/17/divi-recaps/#graebers-ghost

They loaded these companies up with debt, declared “divi recaps” (where you take out a loan on a company you bought on credit and put that money in your own pocket as a “special dividend”) and crashed the companies, destroying jobs and communities.

Plutes know there are three kinds of debt: workers’ debts (which must be repaid), owners’ debts (to be “restructured” away) and government debt (not debt at all, but still handy for terrifying normies with stories of “mortgaging our kids’ futures”).

https://pluralistic.net/2021/05/17/disgracenote/#false-consciousness

Forty years of this approach has turned the economy into a shambling zombie, dependent on the fiction that “consumer” debts — repackaged as bonds through financialization — will be repaid, somehow.

https://pluralistic.net/2021/04/02/innovation-unlocks-markets/#digital-arm-breakers

As an ever-larger share of the world’s wealth has shifted from the workers’ side of the balance sheet to the owners’, the ability of workers to buy things to keep businesses afloat as vehicles for debt-leveraging has only declined.

Wage-theft and stagnation, unions in retreat, monopoly, monopsony, tax-preferencing for home-owners over renters, for capital gains over wages, spiraling housing, health and education costs, worker misclassification — wages are annihilated before they’re even deposited.

With no wages left over to fund consumption, there’s only debt, and as Michael Hudson says, “Debts that can’t be repaid, won’t be repaid.” CHS can comfortably carry billions in debts, but the sick people it sues for $201 have to choose between rent and medical debt.

Every loan-shark knows how this works. The chump with $500 who owes you $500 and owes the bank $500 needs an incentive to pay you ahead of the bank. To assert the primacy of your claims, you need an arm-breaker.

The digital world has given us all kinds of fantastic new arm-breakers: digital repo men who can brick your car or your phone. It’s automated the once rare practice of evictions, creating eviction mills that run with devastating efficiency.

https://pluralistic.net/2021/04/02/innovation-unlocks-markets/#digital-arm-breakers

Creating a debt-instrument — a bond grounded in the payments from other peoples’ debts — requires that you convince investors and bond-rating agencies that your arm-breaker will terrorize the debtors into paying you instead of child-support or grocery bills.

“The cruelty is the point” isn’t ideology, it’s pure description. The system — an artificial life-form constituted as immortal colony organism that uses us as gut flora — runs on competing claims to your debt, and victory consists of terrorizing you more than any rival.

The financiers who practice leveraged buyouts destroy real businesses, ruin lives and hollow out communities. They are feted as “job creators.” The workers who must borrow to close the gap they leave are “deadbeats.” Leveraged buyouts are back, baby.

https://pluralistic.net/2021/05/14/billionaire-class-solidarity/#club-deals

If you fret that forgiving student loans and making college free will “saddle our kids with debt,” then you’ve been suckered.

Look. Replacing a system that starts all but the richest children with unserviceable debt with one that doesn’t is liberation, not bondage.

Since Reagan, we’ve been hiking tuition, killing deductions for interest, and shielding student debt from bankruptcy.That’s how you can borrow $79k, pay $190k, still owe $236k, and have 25% taken from every paycheck AND Social Security until you die.

https://pluralistic.net/2020/12/04/kawaski-trawick/#strike-debt

Debts that can’t be paid, won’t be paid. Student debts do get forgiven, but only for those highly educated, (potentially) highly productive people who can prove that they have been so thoroughly destroyed by debt that they have no future.

https://pluralistic.net/2020/11/20/sovkitsch/#student-debt

And as McGhee reminds us, the tragedy isn’t merely that we educate people on the pretense of betting on America’s future, but really, the principle use that the system makes of the educated is as collateral for securitized loans.

If the arm-breakers who chased her mother wanted to understand that woman’s humanity, McGhee says they should start here:

“Her humor and her rage were unmatched. In the evenings, against the setting Tennessee sun, she liked to drink red can Cokes in the garden while snuffing cigarettes out against the yard’s ant colonies. She could reckon with anyone just by looking them in the eye. Men were terrified of her, rightfully so. She was sweet. In the last week of her life, when she couldn’t understand where she was or who she was talking to, she greeted everyone the same: ‘Hi, pal. Hope you’re doing okay. When can you come pick me up?’”

Take a second. Re-read that.

[let-it-raines]

What a Lie We’re In (1/3)

All Emma was doing was trying to be nice. Her roommate didn’t have anywhere to go, so she invited him home for the holidays. She thought it would be fine and Killian would be a good buffer for a week at home with her parents. That is until her ex-boyfriend showed up, and while she was freaking out, Killian told him they were dating.

That would have been fine except her parents overheard it.

(A Christmas Fake Dating AU)

Rating: Mature 

a/n: What? A holiday fake dating story? So original, you say? No one has ever done it before? Especially not me. lol. Forget all of that, and let’s jump into this trope-a-palooza of a holiday story!

Big thank you to @resident-of-storybrooke for reading over this and convincing me that I still know how to write ❤️

ao3: | HERE |

-/-

“Did you eat all of my candy?”

Emma opens another cabinet, looking inside to the wine glasses and tumblers, before closing it. She’s been keeping her bag of candy in the cabinet where they keep their plates and bowls, hidden at the very top behind some reusable water bottles. Killian is a healthy eater, always stocking the fridge with fruits and vegetables and food she doesn’t think is actually real food, so she didn’t think she had to hide her junk food that well.

Hide it, yes. Hide it well, no.

Until now.

“What was that, love?”

Emma slams another cabinet closed and turns to look at Killian. He’s walking out of the bathroom, chest still damp, and only has a white towel wrapped around his waist. When he first moved into the apartment six months ago after Ruby abandoned Emma to go live with Dorothy (live with, get married to, same thing), Emma was taken aback by the lack of clothes wearing Killian partakes in. He’s an attractive man. She’s not blind. He goes to the gym as often as she does, but mostly, he spends a lot of time doing heavy lifting at his job as a contractor since he apparently likes to be hands-on, literally. His body is toned, and the son of the bitch knows it. He also knows he’s got the face to be able to get away with a lot of…well, a lot.

At first, it was all disconcerting, but now, he could walk around with his dick out and Emma wouldn’t care.

What she cares about is where her candy is. That’s the real priority. But she knows Killian will try to use his lack of clothes to distract her. Never worked in the past, not gonna work now, bud.

“My candy,” Emma repeats. “Where is it?”

He wipes behind his ear with the small towel in his hand. “I wouldn’t touch the stuff. You don’t like the good candy.”

“Well, my good candy has been moved, and we’re the only two people who live here.”

Emma places her hands on her hips, staring him down hoping he will somehow be intimidated by her stare and fess up to everything. He won’t be, but Emma can try. They both have their tactics.

Killian clicks his tongue. “What about the fellow you brought home last week?”

“Do you mean the plumber?”

“Was that who he was?”

“You know I don’t bring guys back here.” Emma moves from the counter and opens the fridge, taking out a handful of grapes from the fridge. She probably needs to eat some of them and not candy anyway. As she pops one into her mouth, that’s when it clicks. “Your girlfriend ate my candy, didn’t she?”

He scoffs and keeps drying his hair, but she sees the way he scratches his ear. Gotcha, Jones. “I don’t believe I have a girlfriend.”

“What? Tink break up with you because you wouldn’t let her eat dessert on your dates? Wait, I heard it. Don’t make it dirty.” Killian walks toward her, getting in her space, and she knows him well enough to know he wants her to flinch, to move, to stop her line of questioning. That’s exactly why she doesn’t want to. Emma pops another grape in her mouth. “Did you eat my candy? Was it your way of wallowing? It’s okay if you did. I’ll take another bag for payment.”

“For your information, Swan,” he whispers as he places his hand on her hip, “we are no longer seeing each other, but it was mutual. She did, however, eat your candy when she was last here. If you really want to know, we used it to – ”

“Stop,” Emma groans, pushing him away and running to the other side of the kitchen. “Nope. Don’t take that any further. Some things should be left private.”

His head tilts back as he laughs, the underside of his jaw black with stubble, and then he’s reaching into the cabinet above the fridge and tossing her the bag of sweets.

Oh.

“I hid it after Will and Rob found it while we were playing cards last night. Will nearly went through all your milk duds before I realized what was happening.” He raises his brow. “You have something you want to say to me?”

Emma knows what he’s aiming for, and she isn’t going to give it to him.

“Yeah,” Emma says, “you need a thicker towel. I don’t think you want people seeing you when you look like…that.” She nods her head down and then picks up a handful of Kit Kats. “I gotta go to work.”

“Off to die inside at your cubicle, love?”

“Oh, you know it.”

Emma grabs her purse and unlocks the door only to hear Killian speak. “It’s December. How do you still have Halloween candy leftover?”

Emma shrugs. “I bought one bag to pass out to kids, two bags for me.”

“Bloody brilliant.”

“I do what I can. See you tonight. I’ll try not to wake you up from your nap when I come in.”

“That would be the least you could do.”

Emma rolls her eyes, but then she’s officially walking out the door of her apartment and down toward the elevator, a Kit Kat bar hanging out of the side of her mouth.

The thing about Killian Jones is that he’s simple to her.

He likes his friends, his job, his rum, and his women. There’s not much else to him, and Emma is okay with that. While her last roommate was her best friend, this one doesn’t have to be. He can just be a guy who pays the bills so she can keep living in a nice place and who, on occasion, talks shit about other people with her while they binge watch TV.

That’s all she needs.

And all and all, Killian Jones is a…fine roommate. Yeah, fine is an accurate way to describe him at least eighty percent of the time.

Even if she does get annoyed when he brings his dates home. But that’s only because it’s always on the nights she plans on going to bed early, and the noise of other people being around keeps her from catching up on sleep.

Emma is not one to mess around on sleep.

But yeah, he’s fine. Annoying as hell over half the time, but he’s fine in the small dosages she sees him in. He works odd hours, isn’t always on the job, and she is stuck with regular hours in her office. There’s not a lot of glory in working HR for a small engineering company, but that’s what happens when you make dumbass decisions like Emma did. She’s lucky she has a stable job. She’ll try not to complain too much about it.

That’s what she tells herself every morning when she sits in her car and stares at the drab brick building.

Money. She has to make money.

And hey, she gets almost an entire week off for Christmas next week, and that’s fucking incredible, even if she does have to spend it in her hometown with her parents and their Hallmark-like attitude toward the holiday and the events it puts on. Her mom is a teacher at the elementary school and produces the Christmas play every year while her dad is a vet and outfits all his patients in little holiday bandanas and bows. He even has a tree in his office decorated with bone ornaments.

It’s…a lot. But it’s family, and as Emma stares at this building that’s sucking the life out of her, she can’t wait to have a change of pace and some home-cooked meals, even if there are as many downsides as upsides to going home. Her Kit Kat bars aren’t giving her the nutrients she knows she needs.

Being an adult is not all it’s cracked up to be sometimes, especially when going home for the holidays is seen as more of a burden than a gift with a fancy bow on top. It’s more like that turkey that dries up and falls to pieces in National Lampoon’s Christmas Vacation.

Well, that and the squirrel crashing every decoration in the house.

Happy holidays.

-/-

“Nah, mate, I don’t have any plans.”

Emma quietly puts her keys down on the table next to her front door, laying her purse down with it, and she kicks her boots off until they topple over each other and lay in the middle of the hallway. She can hear Killian talking, and it gets even louder when she walks into the kitchen and turns on the coffee maker.

“No, no, well, you know, I rarely do anything, not since Liam.” There’s a pause as the coffee begins to percolate and Emma grabs another Kit Kat from her bag. “I went home with Milah once, but that was years ago…no, mate, it’s alright. I don’t mind staying here by myself…yeah, I think Emma is going home to her parents.”

And that’s when she realizes what Killian is talking about.

Christmas plans.

He doesn’t have any. Emma didn’t know that. She didn’t really bother to ask. She doesn’t bother to ask much of Killian. She picks up pieces here and there, as she’s sure he does to her, but they mind their own business.

He doesn’t have a family to go home to? She knows he’s originally from England, but still. There must be someone.

“I’ll talk to you later,” Killian says. “I promise if I need anything, I’ll let you know. Alright, bye Scarlet.”

The coffee finishes, and Emma picks the pot up and starts pouring, filling her large mug halfway before getting hazelnut creamer out of the fridge and making the coffee drinkable. Killian joins her in the kitchen and perches himself on one of their stools.

“Good day at work?” he asks.

“Eh, it was a day. You?”

He shrugs. “The same. I’m finishing up on this house tomorrow, hopefully, so tomorrow will be a good day.”

Emma nods and sips on her coffee as Killian taps his fingers on the counter, the rhythm the same as the song he usually hums when cooking. “So, when are you heading for Storybrooke?” he asks.

“Monday after work.” Killian nods and keeps tapping his fingers, and Emma, stupidly opens her mouth because despite what her exes have told her, she does apparently have a heart. “If you don’t have any plans and have off work, you’re welcome to come with me. My parents are always thrilled to welcome more people. Just be prepared, it’s like a Hallmark movie up there.”

His eyes widen, the blue lighting up, and his upper lip starts to quiver, laughter very obviously waiting to break through. Dammit, why the hell did she decide to be nice? This is going to give him all of the wrong ideas.

“Why, Swan,” he smirks, leaning forward and resting his chin in his propped-up hand, “are you inviting me home for the holidays with you? You’ve been harboring a crush this entire time, haven’t you? I can’t say I’m surprised. I see the way you look at me when I finish up in the bathroom. Don’t be ashamed of it. Most women find me attractive.”

Emma flicks Killian’s forehead, and really, he should be thrilled she didn’t dump her hot coffee on his lap like she wanted to.

“I was just trying to be nice. You didn’t have to be an asshole about it.” Emma rolls her eyes and turns on her heels to walk away. She is going to her room. She doesn’t have to put up with his shit. “Forget I even offered.”

“Wait, wait, Swan.” Emma’s shoulders tense, and she doesn’t turn around. “Are you serious about your offer?”

“I mean, it would have some conditions in that you are a slightly less obnoxious version of yourself, but yeah, if you don’t have anywhere else to go, you can come home with me.”

“I’d like that.” Emma twists around, trying to size him up, and for once, everything seems genuine. “I have a condition as well.”

Idiot. “What could your condition possibly be?”

He winks, and she already knows this is going to have her eyes rolling so far into the back of her head they get stuck there. “Don’t go falling in love with me.”

What a cheesy ass sarcastic line.

“In your dreams, Jones.”

What the hell has she gotten herself into? This is absolutely the last time she lets her conscience guilt her into doing something nice. Emma was already going to be miserable, but now she’s miserable with a buffer.

At least her mom will be happy getting to go into hostess mode.

-/-

In the days leading up to them leaving for Storybrooke, Emma convinces herself Killian is going to back out of the trip. He’ll realize this is awkward and not a good idea. They live together, sure, but they don’t actually know each other. They’re not close friends.

But Killian never backs out. Instead he asks her things like what the weather is like there, if her parents drink wine, if he needs to bring his own bedding. He asks a million questions a day, and they continue when they’re in her bug making the drive from Boston to Storybrooke. He wants to know what her parents do for a living, what their hobbies are, pretty much everything someone needs to know when they’re about to spend half a week in the house of strangers.

Strangers who don’t actually know they’re having someone stay at their house to awkwardly sit on the sidelines as Emma’s family celebrates the holidays and has their usual holiday arguments.

Yeah, Emma didn’t ever tell her parents Killian was coming. She knows her mom well enough to know the moment Emma mentioned bringing someone home, her mom would have stopped listening before Emma could explain that it was just her roommate. It would have been this whole big thing, and Emma knows she can handle explaining it better in person when she can snap her mom out of getting excited about nothing.

Plus, who doesn’t want a Christmas surprise?

(Emma doesn’t.)

After Killian stops being one of those obnoxious kids who never stops asking questions, they sit in relative silence for the car ride, music entertaining them, and little by little, cities fade away and more trees pop up, evergreen forests surrounding them. It’s always the sign for Emma that she’s leaving her life and going back to her old one.

That and the “Welcome to Storybrooke” sign.

Everything about the town is the same. The buildings are small and kind of dingy downtown, and when she passes Granny’s, she bets those onion rings are the same too. God, she hopes they are. This is probably the only thing that can get her through this week. She should have texted Ruby and made sure her grandmother hadn’t changed any of the recipes. If she had, Emma definitely would have stayed home.

People walk down the sidewalk all bundled up in their coats and scarves, saying hello and chatting with others they pass. It’s the opposite of Boston where Emma can go her entire day without having to say hello to someone, and a little shiver runs down her spine at the thought. She needs to get out of here as soon as possible and to the isolation of her parents’ farmhouse, even if that presents her a new set of problems.

Storybrooke, Maine is, decidedly, not Emma’s favorite place for a hell of a lot of different reasons.

Killian, though, seems to be taking it all in with the wonder and confusion of someone who has never lived in a small town like this and who is a bit shell-shocked.

Get used to it, buddy.

“Oh, hey, one more thing,” Emma sighs as she pulls up to her parents’ street a few minutes later. “My real last name is Nolan. I changed it after high school, so my parents’ names are Nolan. The whole ‘Swan’ thing is a sticky situation for them even though it’s my mom’s maiden name.”

Killian’s eyes narrow, and she has definitely shared too much about herself now. “Am I allowed to ask or…”

“No. just try not to call me ‘Swan’ around them.”

“Whatever your heart desires, love.”

Emma slows down as the road turns from paved to loose gravel leading up to their driveway. There are several cars parked alongside it, and either they now own extra cars or her parents have friends over. Great. Just what she needed. Other people around when she’s coming home and surprising her parents with a guest. At least Killian will likely be that buffer she keeps hoping he’ll be.

They get out of her car, and Emma pops the trunk for them to get their bags. Killian grabs the bigger ones despite her arguing with him about it, but she’s fine to just carry her purse and the bag with presents. Emma closes the trunk, slamming it shut, and squares her shoulders.

This is fine. This is all fine.

Until ten steps later, it’s not.

Her parents have this incredible wraparound porch with swings and rocking chairs, and sitting in one of them is Neal Cassidy.

What the hell?

She doesn’t…she can’t…why is he here? He has no right to be here, no business being here, and seeing his face makes her want to vomit.

It makes her want to cry, too, but Emma can’t give him the satisfaction.

Instead, she’d like to sink into the dirt and never emerge again.

“Shit,” Emma mumbles, stopping and turning toward Killian who is looking down at her with an arched brow. “Shit, shit, shit.”

“What is it?”

God, she can’t believe she has to tell this to him. It’s too many pieces of her past in too short a period of time. This isn’t something she ever wanted to talk about again and certainly not to Killian. She was really hoping she never had to see Neal’s face again.

Honestly, she never considered it to be a possibility.

If only.

“That guy sitting on my porch is an ex of mine. And I’m talking about a bad ex, not one of those who you can be friends with afterward.”

“What the bloody hell is he doing here then?” Killian looks over her head to look at Neal, but Emma grabs his hand and yanks on it until he looks at her. “What?”

“Don’t look at him,” she hisses. “I don’t know what he’s doing here, but I’m sure it has something to do with my parents. Just…I don’t know what to do.”

“Do we need to turn around?”

“No, no, that’s pathetic. Just…maybe he’s going to leave soon, and it’ll be a quick hello and then I never have to see his face again. Let’s get it over with.”

“If you’re sure, Sw – Emma.”

“I’m sure.”

She’s not sure at all. Mostly, she wants to take Killian’s suggestion and run far, far away.

Once more, Emma braces her shoulders, and she moves forward. If she stops and thinks too much, she’ll chicken out. It’s how she is. If she thinks about something for too long, it ruins every bit of courage she has. Now isn’t the moment for that when this week is one that makes her need courage.

Maybe, Emma realizes, she didn’t invite Killian here just to be nice. Maybe she needed that buffer to keep her old demons at bay, even if just barely, and that was her motivation all along.

That really makes her asshole of the year. Well, after Neal. She hasn’t seen him in years, but he still gets the asshole of the year award.

Neal sees her before she can get to the front steps. He rises from the rocking chair and moves toward her. He looks older now. He was always older than her, but she can actually see it now. There’s gray in his beard and more lines on his forehead. His features are similar, but she swears there’s an eeriness to his eyes and a lie to his smile. Maybe those were always there, but Emma imagines she was blind to it all when she loved him.

Amazing how opening her eyes to love blinded her to so much else.

“Emma? Is that you?”

No, jackass, it’s some other blonde woman walking into her parents house.

“Hi, Neal.” She forces a smile that she knows is awkward, but he was never good at reading her enough to know the difference between a real smile and a fake one. “What are you doing here?”

“You’ve just seen me for the first time in half a decade, and your first question is what I’m doing here? Nice to see you too, Ems.”

It’s illegal to murder, Emma, she reminds herself. You don’t want to end up in jail because of him.

“It’s my parents’ house. I’m supposed to be here. You’re not. So, again, what are you doing here?”

He shrugs and ignores her. “Who’s this?”

Emma turns to Killian who is staring ahead, his jaw clenched, and he speaks before she gets a chance to. “Killian Jones,” he begins, dropping a bag and reaching forward to shake Neal’s hand, “Emma’s boyfriend.”

Emma nearly chokes on her own air and possibly her own lungs and whatever else is down there, and she’s stuck. Her brain and her feet and especially her mouth are all stuck. What the hell is he doing?

“Emma’s boyfriend,” Neal repeats, his voice incredulous like the fact that she could have a boyfriend is ludicrous to him. “Really?”

“For awhile now,” Killian lies. Wow. Has he always been this good of a liar? “It’s nice to meet you, but I think Emma and I need to get inside and put our stuff away. It’s been a long drive.”

Neal nods, but Emma catches his eyes glance over at her. What was that? “I understand. I need to get my fiancée from inside, but then we’ll be on our way.”

Fiancée?

Neal has a fiancée? Who is in her parents’ house?

What kind of upside down hell has she walked into and how does she reverse time and get back to the place where things are normal?

“Nice seeing you,” Emma lies, but Neal is already walking inside, leaving the door slightly ajar behind him as if it’s his house to go into. She quickly turns to Killian and hopes her face conveys the “what the hell” look she’s going for. And in case it doesn’t, she hisses, “what the fuck was that?”

“Forgive me, love, but you obviously didn’t want to see that man, and I figured there wouldn’t be any harm in saying that. You weren’t planning on ever seeing him again, aye?”

“Not if I can help it.”

“So what’s the harm in him thinking you have a devilishly handsome new boyfriend?”

Emma rolls her eyes, ready to take the piss out of him, when her mother comes running out the front door.

“Emma, you brought a boyfriend home?”

Well, that’s the harm, Jones.

-/-

Emma tries explaining to her parents that Killian isn’t really her boyfriend, that he’s just her roommate who came home with her because he doesn’t have any family, but she never really gets the chance with Neal still hanging around. That would be mortifying, so she rolls with it, hoping that she can clear it all up sooner rather than later.

But Neal never seems to leave.

His fiancée, Tamara, apparently teaches with Emma’s mom, and from the looks of it, they’re great friends. She can’t imagine any other reason why her parents would let Neal Cassidy in their house, but then again, they have always been great at doing the exact opposite of what’s good for her. It’s torture, and as the night goes on, it seems like it’s never going to end.

When are they going to leave?

When can she stop listening to Killian falsify their life?

She’s got to say that he’s fantastic at taking truths and turning them into lies. According to him, they met when he became her roommate (true) and got to know each other as friends first (eh, a half-truth). Then, slowly, feelings started to develop in the little moments, and they decided to give their relationship a chance (unequivocally false).

He’s got this uncanny ability to make everything feel…not ridiculous. She doesn’t know the word she’s searching for, but she’s sure as hell that Killian could find it and incorporate it into a story to make everyone here think they’re in love.

Emma has no clue how they’re going to get out of this without her parents being heartbroken because Emma can see the hope and happiness in her mom’s eyes. She’s over the moon. Her dad, however, doesn’t seem to be.

Of course this is how it goes. Her mom is thrilled because she’s not a spinster, and her dad is upset because she’s not a spinster.

“So what do you do, Killian?” he asks. “You need a roommate apparently.”

“Dad,” Emma hisses, wanting to sink into the couch, especially because she knows she’s the one who needs the roommate and not Killian. “Don’t.”

“What? I’m not allowed to ask about the man who my daughter is dating?”

“You are, but you’re not allowed to interrogate him.”

Killian places his hand over Emma’s on her thigh, and God, this really is the worst night. Why do people have to go home to family on the holidays? At least she didn’t automatically flinch at the feeling of Killian’s hand on hers.

“I’m a contractor,” Killian tells her dad. “I used to work with my brother. It’s his business, but I’m the head on projects now. It’s hard and unpredictable sometimes when my job is to make it predictable, but it’s good work. There’s a lot of good new housing popping up in the neighborhoods outside of Boston. Beautiful new construction.”

“What happened to your brother?” her mom asks.

Killian’s hand tightens over hers while his other hand scratches behind his ear. “Liam passed last year. Car accident.”

Mary Margaret places her hands over her chest while Neal and Tamara look at each other, obviously ready to go. Emma, meanwhile, tries not to act shocked. She should know this. She should know that he had a brother who died. She’s heard him talk about Liam before, but she thought…she thought he was alive, just that he lived really, really far away or something like that.

“I’m so sorry, Killian,” Mary Margaret sighs.

“Thank you, Ms. Nolan.”

Silence falls in the room, and it feels like a lot of her time in high school when she got caught doing something she wasn’t supposed to be doing. At least now she can have alcohol or drive away. One or the other, though, obviously.

Or she can go back to that sinking into the ground thing. That seemed like a good idea.

“Oh, would you look at the time,” Tamara sighs with a clap of her hands. “Honey, we need to go.”

“Won’t you stay for dinner?” Mary Margaret asks.

What the hell, Mom?

“We really have to go,” Tamara insists. “It was nice seeing you guys, though.”

“Oh, it was wonderful seeing you, sweetie. Good luck in New York. You’re going to be great at your new job.” Mary Margaret hugs Tamara. “Nice seeing you as well, Neal. You’ll fit right in, but I know your dad will miss you.”

Emma is so busy trying to take in all of this brand new information that she doesn’t hear the rest of the conversation. Through blurred vision, she sees her mom hug Neal, and yeah, Emma wants to go home. She wants to go back to her apartment where she doesn’t have to put up with this kind of shit.

Where there’s no Neal and his fiancée and especially where her mom isn’t hugging her asshole of an ex and treating him like he’s a good person.

There’s a squeeze on her hand and suddenly, Killian’s fingers are wrapping around hers. That’s when everything snaps back, and she realizes Neal is telling her goodbye.

“Yeah, bye,” Emma mutters, putting on that fake smile again.

“Maybe we could go for lunch while I’m still in town,” he suggests.

Emma bites her tongue to keep from scoffing, but she can’t help the words that come out of her mouth. “Yeah, that’s not happening. Have fun in New York.”

Neal looks like a wounded puppy when Emma manages to look at him, but she doesn’t care. He shouldn’t have had the audacity to ask her in the first place, not after everything he’s done.

Happy holidays to them all.

“Emma,” Mary Margaret hisses as soon as the front door has shut and Neal and Tamara are gone, “that was so rude of you! You can go to lunch with Neal.”

“Oh my God, Mom,” Emma groans, letting go of Killian’s hand and standing up. “I am twenty-eight years old. I’m not going to go to lunch with the man who ruined my life because you don’t like being rude. Just…let’s eat dinner, and you guys can tell me what we have planned for this week. Killian is thrilled to go to the play. I told him all about it.”

“Emma, I still don’t think – ”

“Come on, Mary Margaret,” David sighs as he claps his hand on her shoulder. “Let’s get these two dinner. They had a long drive, and I’m sure they’re starving. You like ham, Jones?”

“Love it,” Killian says as he stands from the couch. “Can I help with anything?”

“You can get a wine bottle from the rack.”

They’re all going to need it. Or at least Emma is going to.

Dinner is, well, awkward, which Emma expected, but she expected the usual awkwardness of having dinner with her parents after going a year without seeing them. This is an entire other level. Killian tries to ease it. He’s put on his most charming smile, his accent coming through thicker with each story he tells, and while her Dad seems put out, her mom is every bit as charmed by him as Emma would expect.

That makes it all fine and good until Emma’s reminded that her parents think Killian is her boyfriend, and his place would go down in flames if she told the truth now.

As much as she would like to spite her mom, that is the last thing she needs.

“So, Killian, you can stay in Emma’s room,” her mom says as they finish up dinner. “I’d have you stay in the guest room, but it’s currently filled with props and costumes for the play. But you're both adults. Who are we to keep you apart at night?”

“The couch would be fine,” Killian insists, holding his hands up.

“Nonsense, you are a guest here. You need to be comfortable. Let’s get you all settled and ready for bed.”

It’s almost like she’s in a trance as her mom guides them up the stairs to Emma’s old room. She vaguely hears her tell stories of different pictures hung on the wall by the staircase, but she doesn’t really notice. Instead, she hangs back with her dad who does not look thrilled at the whole situation.

For some reason that offends Emma. As far as her dad knows, she’s brought a man home for Christmas. A man who she loves enough to bring home, which is not all sunshine and roses for her. Once again, she’s jealous of the people who go home for the holidays and know it’s going to be a happy time.

“You know, you don’t have to act like I’m sixteen,” she tells her dad. “I live with this man. I think it’s okay for us to share a bedroom here for the week.”

“What makes you think I’m not happy about this. If you’re happy, I’m happy.”

Emma stops at the landing and turns to her Dad, crossing her arms over her chest and staring him down. Or up. She forgot how much taller her dad is than her.

“Try a little harder to make that believable.”

David laughs and leans forward to kiss her forehead. “Welcome home, kid. I’m glad you and Killian are here.”

-/-

-/-

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[needs-to-stop-looking-at-valves]

Heuj valves, you know what I'm here for, go on. Make us a story dolly >:)

-cursed

Okay, in case you guys haven’t been around for like, the past day or two, let me explain. This is involving Bill Sykes, the villain of the movie ‘Oliver and Company’. Cursed came out of nowhere, showed me this man, and he has LITERALLY kept me up all night last night. I’m tired, majorly horny, and I hate this big, BIG man so much. Let’s go. (Also side note first attempt writing him, I'm trying)

Money. Money was a thing that made the world go round. It was something everyone wanted, something everyone would fight tooth and nail to get. Some people had nothing, and some had far too much. Like Sykes. Sykes had so much money, through brute force, through cunning, through anything and everything unsavory. And with so much money, came with the ability to have SO much power, of which he abused. If he wasn’t taunting people with how much money he had, he was luring more people in with his classic charm. As evil as he was, no one really seemed to see it at the beginning. They saw an older, rather likeable man. It was why no one blinked twice when he walked into the clothes store. If anything, he was welcomed, especially by the man behind the counter.

“Mr.Sykes! Just on time! Ever the punctual man! I got your new suit in!”

“Good, good. You’re one of the few in this city that DOESN’T disappoint me.”

“I should hope not, you’re my best customer! Speaking of, can I be daring enough to offer you a new set of shoes?”

“Wasn’t looking for a new pair, but what the hell.”

Sykes let him be walked to the counter. He JUST so happened to be on the counter next to some lady. Pretty thing, honestly. She somehow didn’t notice him, and pushed a handbag across the counter.

“Hey, I didn’t see a tag on this. Can you check it for me?”

This lady didn’t belong here. This was a real ‘if you had to ask, you can’t afford it’ kinda place. The guy behind the counter gave her a look, before glancing at the bag.

“Twenty nine fifty, miss.”

“Only thirty bucks? Okay-”

She went to dig into her current purse, before he cleared his throat.

“Ma’am, no. I’m saying it's two thousand, nine hundred and fifty dollars.”

“Ah. So when do I get the bull?”

“Pardon?”

“The bull. The one who's giving me this fresh batch of shit."

Sykes had to give her one thing, she had a mouth on her. Sykes sensed a fight, and decided to turn that into his favor.

“Hey, let me pay for the lady here.”

She looked at him, seeming to just now notice his presence. She was reasonably suspicious, and seemed to almost snarl at him.

“I don’t do freebies.”

“Not a freebie. Just thought a pretty lady should have pretty things. If you don’t want it, fine, won’t push it. Really, it’s on me.”

She hesitated, before seeming to put her guard down, pushing the purse back across the counter. He chuckled, swiping his card. This is how you brought the pretty ones in. Buy them something nice and shiny, show them you were a sweet guy. He grabbed his things, and stepped outside with her. She was staring at her purse in fascination, before turning to look at him.

“Thanks a bunch, by the way. Didn’t catch your name.”

“Sykes. Bill Sykes.”

He held his hand out to her, and she accepted the handshake. He took the chance to give her another look over, and realized; yeah. She was worth trapping. He threw his stuff into the car, before turning to look in her direction.

“You have plans for lunch?”

“No, why?”

“Feelin’ generous today. Assuming you can spare me some company.”

She looked hesitant, studying him and his ride. If he wasn’t rich, it would’ve been ‘hell no’. But she was, like many, allured by his obvious, flagrant weath.

“I mean...yeah, sure. Why not?”

Little did she know, she was digging the hole deeper and deeper.

-------------------------------------------

It had gotten WAY later into the night than he planned. He had meant to only spare an hour or so, but he found himself taking well into sunset. By the time they left the place, she was hooked, lined, and sinker, laughing and holding onto his arm as they walked back to his car. He opened the passenger side door for her, motioning for her to hop in.

“You want a ride back to your place? You DID have a bit to drink.”

She nodded, getting inside, practically giddy.

“Yeah, I can tell you how to get there, I think.”

“Good, good.”

He shut the door after her, and hopped in himself. He put on his seatbelt, and lit up a cigar. He hadn’t had a good smoke all day, and it felt good to finally get one in. He let her guide him to her house, and made a mental note of just where she lived. The drive was but a simple action, but it was a clever, discreet way of knowing just where to find her. He stopped right in front of her place, put the car in park, and exhaled the smoke into the car’s interior.

“You know, you put me in a real, real good mood. How about I do the same for you?”

She looked at him, confused, before he pulled out his wallet, and brought out a good chunk of cash. THAT sobered her up. Her first instinct was to clearly reach for it, but she stopped herself.

"What...is this for?"

"Spending money. Something for you to play around with, invest in stuff, whatever ya want."

"That’s...lots of money. A...LOT of money. You just carry that with you? You don’t think you’ll get mugged or something?”

“That doesn’t happen. Trust me on that.”

He chuckled. There were attempts, MANY attempts in fact, but...well. Didn’t end well, let’s keep it at that. She looked down at the stack, and he knew she was so close to being in his web. Just one movement of the hand. One moment of indulgence. And she fell for it. She took it from his hand, and counted it in her hand. The more she counted, the more lost she seemed to get, clearly in disbelief.

“Twenty five...t-thousand. That’s seriously how much this is?”

“Right on the dot. Now go on, get outta here. Sure I’ll bump into ya again, Doll.”

When she helped herself out of the car, he chuckled, and pulled out of the driveway. Soon enough made it home, where Roscoe and Desoto looked up at him, clearly wondering where he had been. It WAS a bit past their usual treat time. Fishing some out of his pockets, he tossed them towards his eagerly awaiting pups. He sighed as he sat down at his chair, leaning back a bit, and blowing rolls of smoke into the air.

“You boys ain’t gonna believe today’s catch. A real cute thing, you have no idea. Imma give her the usual week. Desoto.”

He snapped his fingers, and the mutt obeyed promptly, getting out of bed and sitting at his side. He allowed Sykes to run his big, firm hands through his fur, and thumbs rubbing at the tips of his ears. His master seemed VERY pleased by his new catch today, he almost never got special pets like this.

“You guys are gonna love her. Because If I don’t get a bite out of her, you two will.”

--------------------------------------------------------

He waited in his car, headlights off as he awaited her to return from work. He decided to take all this time to get back to some calls, rather than just sit here with his thumbs up his ass. 

“No. No. Swear to god ya bunch of morons- no. Take the teeth out BEFORE ya dump him. So what if he screams? Well ya in the warehouse right? Aight, ya gonna be fine then.”

His associate kept talking on the other line, but Sykes didn’t listen. He was too distracted by his hounds in the back, who were now fully sitting up and looking out the window. His dogs were a pain, but at least they were smart.

“Yeah listen, imma call ya back. Figure it out.”

He then saw her. She was even carrying the same purse he bought her. He waited till she went to her front door, before turning on the headlights, nearly blinding the poor thing. He stepped out of the car, hands out as if he was being welcoming.

“Aye, there ya are doll! Been a while!”

She seemed confused for a minute, but as he stepped closer, it clicked.

“Sykes, right?”

“Yeah, knew ya wouldn’t forget me. I didn’t forget ya in the slightest.”

He walked up to her, and leaned against the door, pinning her between a rock and a hard place. She shrunk a bit, before looking down at the floor. She had dropped her keys. Just before she could make the motion to reach for them, he covered it with the bottom of his shoe. He leaned down, blowing plumes of smoke into her face, making tears swell in her eyes.

“So, where’s my payment?”

“Payment?”

Of course she was confused. They always were. As if money was free in this world. He let the cigar roll in his mouth, before nodding.

“Yeah, my payment. You took a loan from me, doll. I need it back.”

“I didn’t know that was a loan! You didn’t say-”

“Little girl, nothing in this world is free, money included. Now, where is it? If you got it upstairs, I’ll go with ya to get it.”

Her little eyes looked so frantic under his gaze. He just needed to hear those words. Words that from any other mouth, would make him a very unhappy man.

“I...don’t have that kinda money.”

That was all he needed. He grabbed her by her arm, and yanked her to follow. She would’ve made a dash for her keys, had Roscoe not nipped at her heel, forcing her to back away. Turns out two barking dogs made for quite the deterrent. Sure, she struggled, screaming as his hand slapped over her mouth, but that didn’t matter. He managed to pull her away, and nearly threw her into the car. Desoto was a good boy, using those big, pearly whites to keep her there in pure fear.

“Roscoe, fetch.”

Roscoe went for the door, grabbed the keys, and placed them into his master’s hand.

“Good boy. Now get in.”

He waited till his other pup jumped into the back, before he went to the driver’s seat, and locked the doors. He adjusted his rearview mirror, and caught a glimpse of her scared little eyes. Yep. She was already worth every penny.

----------------------------------------------

“Don’t look at me like I’m a bad guy, sweetheart. You understand, ain’t nothing free. I fancy myself a good guy, but not good enough to just hand out money like that.”

Roscoe and Desoto circled her like vultures. She didn't even NEED to be tied up like this, he just liked the assurance, and the view. Like a little doe, she was still, powerless, and scared.

"I didn't know-"

"What you don't know, CAN kill you. I'm sorry, I know it ain't fair. But life is like that. Fortunately for you, I'm a very compassionate man. We can discuss methods of payment. Any family money?"

She shook her head, seeming to be a BIT distracted by Roscoe's sharp teeth. He gave a sharp inhale, shaking his head.

"Clearly YOU don't have the money, right? No 'under the sofa' cash?"

Another shake of her head. His fingers tapped against his table, shaking his head in clear disappointment. 

"Oh. I REALLY don't like your options now, Doll. Ya got two choices."

She squirmed a bit, stiffening as Desoto's teeth bared against her. He lifted his hands up a bit, and snapped his fingers. Roscoe followed the command, and dashed right for her, barking and frothing at the mouth. The weight of his body sent her falling, with the chair slamming onto the floor. He pinned her down, barking and covering her face in drool, teeth BARELY missing her own skin. 

Oh how she screamed. How she begged for mercy. How her legs thrashed as she tried in vain to get away. He let her sit there until he was certain there were tears in her eyes. Then he stood up, and slowly walked over to her, heavy footsteps clanking against the hard floor below them. He snapped his fingers, and Roscoe heeled, taking a seat next to his fellow fido. He squatted down to her level, blowing smoke into her already irritated face. He liked crybabies.

"That's option one. I'm assuming you don't want that."

She shook her head, sniffing. He rolled the cigar in his lips, before he lifted her face up with his hand, and pushed her chin down, forcing her mouth to open.

"Option two. You could provide me with a few...services. Then we can forget ALL about the pesky little debt you have with me. You're a pretty little thing, I'd be willing to let you work it off. I mean, you'd survive If I bit you, rather than my boys here. Not to mention if you're sweet 'nuff, I'll un do those pesky ropes of yours."

She clearly thought about it, but her mind was foggy, her eyes hurt, even her lungs felt sore from the second hand smoke. But, just as he suspected, she nodded. A huge grin came over his face, and he held onto the chair, pulling her off the floor.

"Alright sweetheart, let's EARN your freedom here. Open that pretty mouth for me."

He held onto her face as he pulled in, pushing that thick, rich smoke right into her mouth. All while his tongue slid into her mouth, grazing against hers. He took his time, getting a good, firm kiss out of her. He only pulled away when he needed to breathe. She needed it too, starting to fall into a coughing fit. It was cute. He put out his cigar on the ashtray, letting it sit there.

"Mm. You taste good. Damn good."

He undid his belt buckle, and whipped himself out. He turned her face at him, but with a bit of a...heavy hand, he pressed his cock against her face.

It was precious, watching such an innocent face under his thick cock. She whined a bit as he pushed her face into him, nearly smothering her with not only his dick, but his hairy, hairy balls.

"Open up for me Doll, nice and sweet. And don't you bite me. You'll regret it, trust me."

This time she seemed fairly willing, opening her mouth with not much more than a wince. He grabbed onto that pretty, pretty hair of hers, and pulled, really shoving her onto him.

"Oh that's the ticket, honey. Right there. Can feel that little tongue of yours."

He pushed himself fully, and held himself there, till he felt her gag, just like a good girl. He pulled away, watching her pant, lips covered in her own drool, and chest heaving. She was about to speak, before he shoved his balls right into her mouth, head tossed back in content. When was the last time he had his balls sucked by a cute, willing (somewhat anyway) little thing like her? He kept his fat, firm fingers in between her hair, really making a mess of it. Beautiful, poised girls were all swell, but cute, messy girls were such fun playthings. He granted her a bit of mercy, pulling away, while still pumping his cock.

"Mmm. You're a good little girl, ain't ya? Pretty too. I was gonna really put you through the ringer, but you're too damn precious NOT to be opened."

Not needing any scissors, he yanked at the ropes, making them snap under the force of his grip. He lifted her off of the seat, putting her on his desk, and using his big, strong hands to part those nice looking legs of hers. She was clearly hesitant, being felt up by essentially a stranger, but he didn’t care. Long as she didn't fight him, he could give less of a damn. He tore off her skirt, and took a gander of her panties. It was hot, knowing those lacey undergarments were paid for by HIM.

"Cute set here, Doll. Real, real cute stuff."

He took a hold of her ass, and pulled her closer to him, pressing himself right against that nice, cute fabric. With his free hand, he tugged at her shirt. Just because he was hungry, didn't mean he couldn't be a bit refined.

"Shirt, bra, off. Case you wanna keep your outfit in one piece."

He saw her hands tremble, as if she was confused. He gave another tug, and she seemed to finally get the hint, pulling her clothes off. She was worth the wait, honestly. Hell, he was so excited, he took his own shirt off, laying it as carefully as he could off to the side of the desk (it was hard to keep your shit neat when you wanted to be messy). He dug his fingers into her hair again, and yanked her into another kiss, this time really pressing himself against her. It wasn’t just their bank accounts that differed, it seemed. Where she was soft, helpless, he was firm, foreboding against her. He loomed over her, nearly suffocating her with not only his greedy lips, but his large, hairy, heavy frame. He pulled her away for a moment, ignoring the way she winced. He was pretty heavy handed, especially when it came to such a darling looking thing. He started to roll his hips into her, pushing his tip right against her clit. He liked the way she jumped every time, liked the way her toes seemed to curl. 

“You’re gonna handle me REAL well, girlie. I can tell. You’re really just a kitten, ain’t ya?”

His hand cupped at one of her breasts, kneading and pulling at the flesh. He was heavy handed with her, using enough force to make her wince. Not his fault she had a cute pair, with a face to match. He would sit there and play with them till they were nice and raw, but he wasn’t sure his cock would handle this much stalling. He hooked his finger into her underwear, and pulled them off. They were pretty much soaked, and something about that was just so charming to him. He let go of her hair, and groped her pussy, palming at her wet, warm folds. She held onto his hand, writhing under his firm grip. He pulled his hand away, letting her whimper as he checked out just how much she left on his hand. Needy little thing, it seemed. He slapped that hand over her mouth, and pushed himself right inside. You’d think he’d give her just the tip, get her used to his size.

You’d be wrong.

He pushed himself fully inside of her, balls deep, and watched her shake. Not that he blamed her. He was a big guy, afterall. He kept his hand over her mouth, despite how much she clawed at his hand. He held her like that, not moving a single muscle until she decided to settle down. He pulled his hand away, watching as her own drool (along with her own fluids) smeared over her delicate little mouth. She looked at the cock stuff inside of her, before looking at his face. He was expecting some kind of retort, some kind of insult, maybe even a slap to the face, stuff he was used to.

“You’re a terrible, terrible man.”

He opened his mouth to give her a life lesson (one he gave everyone when they barked that at him), when she suddenly flung herself at him, nearly smashing her lips against his own. That...was a first. But he was NOT complaining. He grabbed the back of her head, and returned the kiss with fervor, letting her moan right into his greedy, greedy mouth. Laying her right onto her back, he started to slam himself right into her. He had no idea how his desk supported his weight, especially when he was acting damn near belligerent on his new toy, but god was he glad it did. Especially since his new toy seemed just as excited as he was now, running her hands through his absolute mess of chest hair, and even locking her legs around him, as if she didn’t want him to leave. He parted the kiss, panting huskily against her lips. She moved not an inch, in either obedience, or the fact that his strong, fat hands were still holding the back of her head, as if he was scruffing a mutt.

“You’re taking me real nice, doll. You feel nice and tight, and you’re feeling me up like you actually like me.”

She didn’t seem to be focusing on his words for a moment, but rather keeping her focus on his big, hairy tummy. Not that he cared, he favored looking at her tits moving in sync with his thrusts. He favored watching the lewdness in her eyes, he favored knowing that her ravenous pussy leaked all over his desk. All of these he favored, over her actually meeting his eyes (Sykes wasn’t a real romance type, case you haven’t guessed). He let her continue her grubby little hands as he lowered his face right to the nape of her neck. He could tell that she liked hearing him talk, given the way she seemed to pull at his hair every time his breath brushed against her ear.

“It’s gonna feel so good when I cum right in you. You’re already handling me so good, you’re already gonna cum yourself. I can see it. I can see it plain as day, you wanna cum on my cock. Even if I’m a bad, bad guy, you want me doll. And that’s SO sweet of ya, really.”

He could tell she was trying to give him a bit of a fight. Just a little bit of one. She had such a mean little scowl about her, as if she refused to let him see her cum. Unfortunately for her, he always took what he wanted. And after just a few more thrusts, after taunting her with his sweet, sweet voice, and after grabbing her so tightly she bruised, she came. She shook something fierce as he fucked her right through it, relishing in her cries of ecstasy. He was used to screams. Screams of mercy, of pain, but hearing one from such a cute little dame cumming for him, it was just so refreshing. She pushed his face away, only to bury her teeth right into his big, meaty neck. Most bites tended to happen on his hand, so feeling it here was just something else. He didn’t have a chance in hell. With a swear under his lips, he came. He forced her to keep still, pumping cum right inside of her. Even as it trickled out of her, he didn’t seem to quit. He wasn’t timing it, but he knew he lasted a damn good minute before he finished.

“Shit.”

Was his only response. A simple, satisfied swear. One that helped ease all the tension in his poor, old body. His stomach rested on hers as he panted, ever so slowly calming down from a damn good high. She was quite a vision herself, covered in sweat and bruises. Pretty thing. She forced herself to swallow, before speaking, wearily.

“We uh...square, right?”

That made him laugh. He shook his head, leaning over to his discarded jacket, and pulling out a cigar. He lit it up, taking a good, deep inhale, right before looking down at her.

“Honey, that was a damn good fuck, really it was. But that was NOT worth twenty five thousand. You still got a bit of work ahead of ya, Doll.”

He watched her wince as he tapped his cigar, letting the ashes fall onto her exposed skin. Yep.

She was a keeper.

[mldrgrl]

Broken Things 4/24

by: mldrgrl Rating: varies by chapter, rated R overall See Chapter 1 for summary and notes

John Byers steps out onto the porch of the mercantile as Mulder sets the brake in place on the carriage.  “Twice in one day, Mulder, is anything the matter?” he asks.

“Nothing at all,” Mulder answers.  “Is Susannah about?”

“She’s just inside.”

Mulder steps down from the carriage as John calls to his wife.  Susannah appears as Mulder is assisting Katherine down from her seat.  The first time Mulder met the Byers he wondered how they ever came to be married.  John is small and meek, dark-haired, keeps a well-trimmed beard and is fastidious about his person and his store.  Susannah is fair-haired and fair-skinned, taller than her husband and broader in the shoulders.  She is boisterous and jovial and, Mulder knows, hungry for friendships.

“Please allow me to introduce my neighbor, Katherine Wilis,” Mulder says.  “You may have heard that her husband met an unfortunate end just a few days ago.”

John looks at Mulder quizzically and Susannah practically leaps from the porch to take Katherine’s arm and embrace her.  “So lovely to meet you,” she says.  “I’m Susannah, and this is my husband John.  We run the mercantile here and if there’s ever anything we can do for you, you just let us know.”

“Actually,” Mulder says.  “Mrs. Willis is going to have to see to some affairs regarding her homestead and I thought, well, since Franklin is away at school, it may not be too much trouble for you if she could stay here for a night or two to sort things out.”

“Oh, yes!” Susannah says.  “Yes, please come right in and we’ll get you settled.”

Unsurprisingly, Susannah whisks Katherine away.  Mulder meets John’s eyes for a brief moment and then turns away to untie the valise from the hold under the seat.

“It seems you’ve taken responsibility for the Willis widow,” John says.

“I suppose you can say that,” Mulder answers.  “I’ve asked her to marry me.”

“Marry you!  And she’s taken you up on this lunatic proposal?”

“She said she’d like to think about it.”

“This is the most astonishingly foolish thing I’ve ever heard.”

“Maybe it’s foolish or I’m just soft.  You were right about the forthcoming eviction.  She’s got no claim on the homestead and you should have seen the place, John.  The old sod house is barely standing.  I think she’s putting on a brave front, but she has less than nothing.  If you could have seen her face when I showed up there, I’m almost certain she thought I had come to collect her for debtor’s prison.”

“Why not just send her back to her people, if you want to help?”

“She says she has none.”

“You’re talking about a lifelong commitment here, Mulder.  Do you really want to put yourself in that position?  Or her?”

“I would escort her to Fort Worth myself if I thought she’d be safe or do well there on her own, but she’s in unfamiliar territory amongst strangers.  Anyone could take advantage.”

“And that’s not what you’re doing?”

”Is that what it seems to you I’m doing?”

“I don’t know, but proposing to a woman you’ve only known for a handful of hours?  Couldn’t you at least do a little courting first?”

“Actually, I proposed to her within ten minutes of knowing her.”  Mulder takes the valise out of the hold and then puts a hand on John’s shoulder.  “I appreciate that you’re looking out for me, and I know it seems rash, but I did think things through.  You know I can’t hire her on as a cook or housemaid, which is what I’d do if I was back east.  Bringing a young, single woman, widowed or not, onto a ranch with six bachelors?  You know what that would look like, out here.  Bringing a bride onto a ranch, now that’s a different story and no one would bat an eyelash.”

“I can tell you’re intent on looking out for her and I think it’s admirable, but to yoke yourself to her just because she’s run into trouble?.”

“There’s another reason too.”

“Oh?”

“I happen to like her.  Now, I’m going to bring this bag in for her and then I’m going to head over to see Skinner before he closes for the day.  Please, don’t mention to Katherine that I’ve gone on to the bank.”

John sniffs lightly and smooths down his shirtfront.  “You know I’m not one to meddle in people’s affairs.”

Mulder laughs and claps John on the shoulder.  It is well known that John Byers is the town gossip and is very rarely able to keep his opinions to himself, if their conversation just now is any indication.  He heads into the store to find Katherine and discovers her in the back room with Susannah, who’s making what appears to be tea and cookies.  He holds the valise up to her as a greeting.

“Ladies, I’ll be going now.  Katherine, I’ll be by tomorrow morning to bring you over to Mr. Skinner.”

“I appreciate that, thank you.”

“Susannah, I’m going to trust you to outfit Katherine with whatever she might need and put it on the account.”

“Oh no,” Katherine protests.  “I don’t need anything.”

“Sure you do.  Boots, stockings, material, and I’m sure there are lady soaps or tinctures or baubles of some kind you could make use of.”

“That’s really unnecessary, I don’t-”

“Susannah, excuse us for just a moment.”  Mulder gently cups Katherine’s elbow and leads her away out of earshot.  He speaks low and close to her to make sure the conversation stays private.  “If you accept my proposal, or you do not, either way there are things you’re going to need to get yourself started.  You would do me an honor if you would allow me to ease that burden for you.”

“Then I should like to pay you back.”

“You can pay me back by making sure you put good use to the things you buy.”

“It won’t be anything frivolous, I promise that.”

“It could be as frivolous as you like, as long as you enjoy it.”

“I don’t understand why you’re helping me with so much and I can’t even do anything for you in return.”

“I’ve enjoyed your company thus far, and that’s more than enough.”  He hands her the valise and finds that he has to restrain himself from leaning over to kiss her on the cheek.  “I’ll see you tomorrow morning.”

“Alright.”

He’s feeling pretty sure of himself until he leaves the mercantile and then he gets to thinking about what Byers had said and suddenly he’s less confident.  He does want to marry her, he’s resolved on that, but what if what’s best for her is that he can offer her other options, not just one of marriage?  She should have as many choices as she can, not just one.

He’s brooding a bit when he walks into the bank and waves his hat at Walter Skinner in greeting, trying not to scowl as he does.  The bespectacled bank manager frowns a little, but he’s always frowning, in Mulder’s estimation.

“Mr. Mulder,” Skinner says, ushering him towards the side office and to his desk to sit.  “What can I do for you today?”

“I’m sure you’re aware that my neighbor, Jack Willis, passed on rather abruptly a few days ago.”

“Yes, I am well aware of that.”  Skinner pushes his spectacles up his nose and then clasps his hands together and sits tall in his chair across from Mulder.

“What kind of trouble is Mrs. Willis looking at with the land?”

“You know I can’t discuss the accounts of other landholders with you.”

“Well, I’ll be bringing Katherine Willis by tomorrow morning to discuss the terms of the lease with you, but I’d like to know exactly how much is owed before I transfer the money.”

“You’re going to settle her account?  What exactly are your intentions?”

“Only to bring the account to good standing so that Mrs. Willis may receive a fair price for transferring ownership.”

“There hasn’t been a single payment made on that lease.”

“And if I were to take it over, would the option to purchase be readily available or do I need to wait the five years to put in for it?”

Skinner gets up from his desk and moves to a filing cabinet.  He rifles through it for a few moments and then pulls out a folder and sits down again.  He takes a blank piece of paper from his desk drawer, wets the tip of a graphite pencil with his tongue, and then sets to work on some figures.

“You’re looking at 320 acres, last valuation at two dollars an acre.  The amount owed is currently 64 dollars, plus taxes and penalties. It’ll be roughly 85 dollars to take over the lease and 736 dollars to take the option.”

“Good.  Transfer the 85 now to the account.  Tomorrow, I’d like you to please inform Mrs. Willis that the lease was paid timely, and in full by her late husband.  How long will it take to transfer the title as beneficiary?”

“A few weeks.”

“You wouldn’t happen to know what’s become of Jack Willis’ remains, would you?”

“I hear they’re keeping him in the icehouse until the undertaker comes through.”

“I guess that means Mr. Carter is handling the arrangements.  You see him, you tell him he can send the bill on to me.”

“I’ve known you to do some strange things over the years, Mulder, but you’re going to extraordinary lengths to get a piece of land you could probably purchase at half the price at auction.”

“It’s not about the money.  Right now I’m going to do everything I can to make sure Katherine Willis is taken care of.”

Skinner sits back in his chair and crosses his arms.  “This woman have something over you?”

“Not at all.  I only met her this morning.”

Skinner raises his brows and then shakes his head.  He puts the paper with the figures he’s written into the folder from the filing cabinet and then clasps his hands together again and rests them on top of the folder.

“It’s your money,” Skinner says.

“Just be sure to tell Mrs. Willis that her husband kept the account in good standing tomorrow.”  Mulder stands and puts his hat back on.  “Pleasure doing business with you, Skinner.”

“Mr. Mulder.”

↭

Susannah is a chatty one, Katherine thinks.  Through two cups of tea, she’s heard about how her new friend met her husband, how they moved from Philadelphia to Texas ten years ago, how her eldest son is studying journalism at a college in Missouri and dreams of operating his own newspaper, and how her youngest son intends to take on the family business one day.  It’s a relief that Susannah likes to talk and doesn’t pry.  Mulder was right when he said that Susannah would be delighted for a lady friend.

“What can you tell me about Mr. Mulder?” Katherine asks.

“I think he’s been out here about four or five years now,” Susannah says, resting her teacup on her saucer to answer.  “He’s built up a nice little ranch.  Our John Jr. had riding lessons from him a few years back when he got old enough to start making deliveries with the wagon.”

“He’s been very kind to me.  I wonder if it’s not...put on somehow?”

“Mulder?  No, what you see is what you get with Mulder.”

“He asked me to marry him.”

Susannah freezes with her teacup almost to her lips and her eyes grow wide.  She lowers her cup once again and it rattles against the saucer.  “Well, my goodness,” she says.  “I didn’t even know the two of you were friendly.”

“We actually just met earlier today.”

“Gracious.”  Susannah cocks her head as though considering the offer.  “That does seem quite in character for Mulder, though.”

“How so?”

“I think he’s the kind of man who gives in to impulse.”

“Hm.”  Katherine frowns just a little and ponders on that over her tea.

“Oh no, dear, not in a silly or reckless way.  Well, let me see.  I was thinking about a time we used to receive deliveries from a company in Fort Worth.  The delivery man, Alex was his name, we’d only had him come in a handful of times, but there was one time that Mulder happened to be in the store and he told Alex something about his horse.  I think it was that it was the wrong horse for the job, or something to that effect.  Alex didn’t seem to acknowledge the advice one way or the other, but the next time he came through, we all heard this fuss outside and naturally, I assumed it was probably just a ruckus spilled out of the saloon, but Mulder had Alex off his wagon in the dirt, had a switch that he was busting up over his knee, and yelling at the man that if he ever saw him beating a horse again he would take the switch to him instead of busting it up the next time.”

Katherine feels herself shrinking just a little.  She has had far too much of irrational, temperamental men in her life and she won’t take on another.  “Is he often violent?” she asks.

“Not at all!  I’m only trying to explain that Mulder is not a passive man.  He wouldn’t stand by and let an animal be mistreated and most folks will.  He took that horse from Alex, paid him money for it too, I believe, and then bought him a ticket back to Fort Worth on the stagecoach.  And I think he sent one of the boys from out on the ranch to make sure the rest of his deliveries were made.”

“I met the men today before we came here.  They seem awfully devoted to him.”

“Yes, I would say that’s true.  From what I can tell he treats them very well. ��Whenever he happens to be in the store he seems to find something he thinks they need.”

“He’s obviously very generous.”

“Oh, don’t let him come in on a day when some of the local children might be here.  They walk away with bags of penny candy.  Speaking of generosity, he told me to make sure I outfit you and you know I just remembered we got in some new calico I think would suit you fine.  Let’s go and have a look at it.”

“Susannah,” Katherine says, putting her hand lightly on Susannah’s arm to hold her off from getting up just yet.  “With all that you know about Mr. Mulder, do you think I should accept his proposal?”

“I don’t know.  I can’t imagine marrying a man I just met, but I will tell you that I think Mulder is a decent man.  I don’t know of any vices he has.  Definitely doesn’t partake of alcohol, he’s never purchased tobacco, and I don’t even think he’s set foot in the saloon.  And it’s unlikely to be for religious purposes as he’s never been to service.  Will any of that make him a good husband?  I can’t say.”

Katherine nods.  She isn’t looking for a good husband, or any husband at all, really, she just doesn’t want another bad one.

[wardenari]

Help with Healthcare in the USA

Hey all. So since my diagnosis 3 years ago, I’ve had to, unfortunately, get good at navigating the mess that is our healthcare in the United States.

Here’s some tips and tricks I’ve learned. Not all may apply to you, but hopefully there’s some things here that can help.

Most of these revolve around you having insurance. If you don’t, make sure to ask the hospital or doctor about rates for uninsured -- often they are less than what they’d bill insurance.

Keep track of your deductible and your out of pocket maximum (OOP). Once you meet your OOP, you would not pay anything for in-network medical. That’s why it’s important to track as you’ll see for things below.

Become familiar with your insurance company’s website. There you’ll be able to track your deductible, your OOP, find in-network providers. There you’ll see EOB - this is basically when the insurance is billed, they explain what they’ll pay and what is your possible responsibility. It says “possible” because sometimes the doctor/office will bill you less. It’s good to keep track of these to ensure you aren’t being overbilled when you get your bill.

Hospitals will often try to tell insured people they have to pay upfront for medical procedures. That’s not true and as soon as you tell them you met your OOP they say “Ok” and back off (I don’t recommend lying because they can check). Even if you haven’t met your OOP, simply tell them you’d like to speak with someone in their accounts department to set up a payment plan. It won’t delay your procedure. Which leads to my next thing:

Most major medical places (hospitals, testing sites, mammogram locations, etc) offer payment plans interest free. . When you get the bill, simply call their billing number and tell them you want to set up a payment plan. It’s often very reasonable. My $4500 hospital bill is $87/month for example. Not every place has this as an option, but more do then you may realize. Avoid the “credit” companies that advertise in the waiting rooms if you can - those are often very high interest. Just because an office has that in the waiting room doesn’t mean that they won’t offer you an interest free payment plan.

If you have prescription medications you take regularly (including ones your doctor administers) look at the manufacturers website to see if you can get a co-pay assistance card. Here’s how it works - your pharmacy or dr bills your insurance for the drug, and then the drug company pays the rest off. But that amount the drug company paid off counts towards the amounts you need to reach your deductible and OOP. It’s a good way to reach those without money out of your pocket. For example, 2 years ago I was on iBrance which costs $11K a month. Using the copay assistance card I paid nothing for the prescription, but I met my OOP for the year by February, meaning all my doctor appointments and procedures were no cost to me the rest of the year.

Always ask for an itemized bill and then check it. Don’t be afraid to ask questions. I have found them billing me for tests I didn’t get or medication I wasn’t given. They count on you not checking.

If your insurance is through your employer, find out if they have a care coordinator for your insurance. If they do, use them!! It’s May 18, 2021 and already the ones for my insurance have saved me over $1000 by dealing with incorrect billing companies sent me. Basically they deal with the medical companies for you so you don’t have to get aggravated. And they keep track of it all in case there’s further issues.

Know what’s valid and not. As I said before, once you reach your OOP YOU DO NOT pay for in-network medical bills (pay attention to the dates of service which is different from the bill date. Bills from before you reached OOP are billable). For example, I met my OOP late February. I went to the ER at the end of March. The doctor there billed my insurance company $950. Insurance paid them $500. They tried to bill me the remaining $450. That’s a no-no. Insurance often negotiates the prices with the billers and don’t always pay what was asked for. That’s between them and the insurance company and it’s not your responsibility if you’ve already met OOP and they’re in network. (My coordinator got that resolved real quick)

Did I mention question things if it doesn’t seem right? Cause yeah, do that. I had surgery in March. Apparently my surgeon consulted with another doctor for 15 minutes. That doctor tried to charge me $185 AND they were out of network so my OOP didn’t apply. When I got the bill it seem suspect to me right away because 1) I never talked to this person, 2) I didn’t get a say on if I was seeing someone in or out of network and 3) AND THIS IS IMPORTANT - the bill I got said to call them, not my surgeon or insurance company. Be wary anytime someone tells you not to contact others! Quick call to my coordinator and the bill is gone. My coordinator said the doctor “wrote it off” but honestly do you believe for a second they would have done that if it was a valid bill? I sure don’t. I’m fairly sure they were hoping I wouldn’t question it and would just pay them $185 for nothing at all. I don’t even know if they even actually talked to my surgeon (remember their bill said not to contact my surgeon?)

[chilling-seavey]

qtvtp blurb?? daniel and avalon first meet?

Omg you beat @randomlimelightxxx for the first ask of a series *applaud* Thank you so much for this one...I loved writing it 🥺💟

Also, anyone can let me know if you want to be added to my qtvtp blurb tag list. I’m tagging my original ‘detective team’ first but if you’re not interested in blurbs just let me know and I can remove you!

June 15, 2017

Avalon always preferred the morning shift. She never liked to wake up early but the customers seemed nicer and the stress was lesser and she was off in enough time to have the rest of the afternoon free. She started at 6:30am, mostly serving the usual Los Angeles gym-goers that early, making sure their coffees were hot and their avocado toast was cooked to perfection. Bluestone Lane was known for their avocado.

Once the breakfast crowd had dispersed and Avalon did her rounds to clean up the tables and make sure the restaurant was tidy, lunch was approaching. It was around 11:00 when the door opened and she was still on her break behind the front counter, munching some banana bread as she scrolled through her phone. Her co-worker greeted whoever entered and instructed them to seat themselves anywhere.

Avalon was nudged by her co-worker and she looked up to his grinning face.

“Big name customer.” he whispered.

“Who?” Avalon tried to peek around the counter to see but he shoved her back into her chair.

“Be cool.”

“I am. You’re the one freaking out.” Avalon whispered back. “Who is it? A Kardashian?”

“No. One of the super hot young guys who owns that new record company down the street.”

“I’m sure they’ll be glad to know you would describe them as hot first before any other descriptor.”

“Shut up.” he peeked over the counter and then looked back to her, “Can you take the table? I’m going to look like a fumbling idiot if I try to talk to him.”

Avalon sighed, checking the time on her phone; she still had eight minutes left of her break. “Yeah. I guess.”

Her co-worker thanked her profusely as she got up and tied her apron back around her waist before sliding her phone into her pocket and took out her notepad and pen. With a quick teeth and hair check, Avalon headed around the counter and over to one of the only tables occupied in the small restaurant.

The young man sat alone at a table for two, menu in hand and white sunglasses tucked in the collar of his black t-shirt. Avalon approached and stopped beside the table.

“Welcome to Bluestone, can I start you off with something to drink?” she asked routinely.

He looked up at the young woman standing beside him startling Avalon with the light vibrance of his blue eyes staring back at her. His brown hair was dusted with fading blonde dye and his studded earrings caught the later morning sunlight through the large front windows. His jawline flexed as a little smile played at the corner of his lips as he eyed her for a moment before looking back to the menu casually.

“Yeah. I’ll have an iced tea.” he looked back up at her and his eyes briefly looked her up and down, “Slice of lemon on the side.”

“Alright. Be right back.” Avalon pulled a polite smile and headed back to the counter.

Her co-worker rushed up to her as she pulled a clean glass from the rack and scooped ice into it, “Well?”

“Well what? I didn’t even get a please.” Avalon mumbled, pressing the glass under the soft drink spout to pour the iced tea. “He’s just another random entitled LA douche.”

Without another word, she set the filled glass on the counter and grabbed a side plate to drop a lemon slice onto it. Lemon slice on the side. Avalon could have scoffed.

Daniel glanced up at her as she returned to the table and set the drink and small plate down.

“Iced tea. Lemon on the side.”

“Thank you.” he answered plainly.

“Are you ready to order?” she asked, slightly surprised yet pleased with his manners.

“What do you recommend?” he asked in return.

“Our avocado toast is a best-seller.”

“That’s what the statistics recommend. But what do you recommend?”

Avalon hesitated for a moment, “Uhm…I was just eating some banana bread on my break. But that’s not really lunch food…”

She faded out, tapping her pen against the side of her small notebook as she mentally shamed herself for being so awkward. Daniel only cracked a small smile and looked back down at the menu.

“Are the sandwiches good?”

“Great. Yeah, they’re good.” Avalon answered quickly, feeling herself already starting to slip down the hill of mortal embarrassment.

Daniel skimmed the menu, resting his elbow on the table and his finger on his lips in thought. She watched him quietly as he pondered the choices, wishing he could just pick something and she could go cringe to herself in peace in the kitchen. Daniel’s eyes flicked back to her briefly before looking back to the menu as if to see how long she would wait there for him.

Avalon looked over her shoulder towards her co-worker who was watching from behind the counter. She sent him a discreet shrug at his confused frown and then she turned back to Daniel, “I can come back.”

“No.” he answered quickly. Daniel sat up straighter and held out the menu to her with a flirty smile, “I’ll have the chicken bacon club. Extra avocado.”

Avalon pulled her usual forced customer service smile as she reached for the menu.

He held it a bit tighter to keep her from taking it for a moment. With each of their right hands holding opposite ends of the blue trimmed laminated paper, she looked at him, meeting his sparkling blue eyes and his little smirk.

“Please.”

His voice was as smooth as honey and Avalon swallowed back the flutter in her stomach at his tone. She excused herself politely and hurried back behind the counter to ring in his order.

Daniel turned over his shoulder to watch her leave, leaning his forearms on the table as he eyed her privately from her black jeans to her blue uniform polo and apron. Her blonde hair was tied back in a ponytail and she had obviously been on her feet most of the morning but Daniel was captivated by her. A pretty woman who smelt like the sea with eyes as beautifully brown as the soft earth. In all 22 years of his life, Daniel had never seen such stunning casual beauty.

“He’s staring at you.” her co-worker whispered, giving Avalon’s arm a squeeze.

“Shut up. He is not.” Avalon retorted quietly, nudging him away.

“He’s nearly drooling onto the table.”

“Oh my God. Literally shut up.” Avalon snorted lightly, swiping her employee card to punch the order into the till. “You just want him to stare at you. You’re projecting.”

“Maybe so. But I have four eyes.” he gestured to his thick glasses. “So I know staring when I see it.”

Avalon glanced across the restaurant to the table, catching Daniel turning back around quickly. She looked back down at the computer screen coolly.

When the food was made, Avalon picked up the plate from the window and took it and a roll of cutlery over to the table.

“Chicken bacon club with extra avocado.” she said as she set it down in front of him.

“Thank you,” he looked up at her, eyeing her nametag, “Avalon.”

She smiled softly, “Can I get you anything else?”

Daniel licked his lips through his cheeky smile and his fingers tapped gently against his phone that rested on the table beside his newly arrived plate, “Your number?”

His request startled her slightly and Avalon felt her cheeks flush pink, “Oh…I…”

“Please?” he tried smoothly, tilting his head to the side as if he were trying to give her innocent little puppy eyes. “Avalon.”

Her heart raced in her chest. She had never been flirted with before and never asked for bluntly for her number and especially not by such an attractive man. But she was working.

“I…can’t.” she whispered.

Daniel raised his head as his eyebrows furrowed a little, “Can’t? Or won’t?”

“Can’t.” she answered, pointing to the embroidered logo of Bluestone Lane on her polo. “I’m on the clock.”

“Alright.” Daniel nodded, looking back to his lunch and he unwrapped the cutlery out of the napkin, “Forget I asked.”

Avalon hesitated a moment in place, watching him set the napkin on his thigh, her heart racing and stomach twisting in near regret. She only nodded and hurried back off towards the front counter.

Daniel ate quickly – he only had so long for his lunch break �� and then headed up to the counter to pay. Avalon avoiding looking at him as he approached and she focussed on pulling up his order on the iPad screen. He stared at her.

“$14.95 with tax.” Avalon said.

When she looked up at him he looked down. He pulled out his wallet and she eyed the OffWhite designer logo on the front of it and he held out his sleek black credit card. She directed him to the machine and he paid before sliding the card back in his wallet and tucked it into his back pocket.

He watched her as she finalized the payment and then printed the receipt, passing it and a pen to him, “Sign at the bottom, please.”

Daniel sent her a small smirk and set the strip of paper on the counter and leaned over it to sign. She looked behind her to her co-worker who was staring at the interaction like it was the most interesting thing to eve see. Avalon glared at him and turned back to Daniel as he set the pen on top of the receipt and then pulled out his wallet again. She watched him quietly as he flicked through a few bills for a tip but she didn’t expect the two 50s to be set on top of the signed receipt.

“Amazing service.” he said softly, shooting an award-winning smile in her direction as he tucked his wallet away and took a step back from the counter.

Avalon gaped, “Are you-”

Daniel was already at the door of the small restaurant and leaned back against the door as he slid his sunglasses back on, “See you around, Avalon.”

And he was gone.

Avalon took a second to compose herself over the happenings of the previous mere thirty minutes, still a little starstruck over the handsome stranger that seemed to know his way around human interaction like it was easy. Avalon had lived in Los Angeles for nearly a year and she had never been starstruck before. Yet this time, it wasn’t an actor or a singer or a talk show host. It was a fresh new business owner who bought his way into her heart with his smooth talk and handsome face. The $100 tip was just a bonus.

Even still, she felt a little ache in her heart that she never gave him her number and simply watched him walk away. Avalon sighed and slid the receipt and the money towards her across the counter and tucked the two bills in her apron pocket. The signature at the bottom of the receipt caught her eye and she paused a moment as she processed it.

In neat handwriting, a note was left at the bottom below the messy signature,

Good thing I’m on my break 213-609-9285 – Daniel

Taglist: @jonahlovescoffee @randomlimelightxxx @stuffofseaveyy @hopinglimelight @tempus-ut-luceant @br4nd1s @xkelsev @hiya-its-amber @the-girl-who-cried-wolf @bessonbae