#damned lends | Explore Tumblr posts and blogs

mostlysignssomeportents · 7 months ago

Text

The tax sharks are back and they’re coming for your home

I'm touring my new, nationally bestselling novel The Bezzle! Catch me TODAY (Apr 27) in MARIN COUNTY, then Winnipeg (May 2), Calgary (May 3), Vancouver (May 4), and beyond!

One of my weirder and more rewarding hobbies is collecting definitions of "conservativism," and one of the jewels of that collection comes from Corey Robin's must-read book The Reactionary Mind:

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

Robin's definition of conservativism has enormous explanatory power and I'm always finding fresh ways in which it clarifies my understand of events in the world: a conservative is someone who believes that a minority of people were born to rule, and that everyone else was born to follow their rules, and that the world is in harmony when the born rulers are in charge.

This definition unifies the otherwise very odd grab-bag of ideologies that we identify with conservativism: a Christian Dominionist believes in the rule of Christians over others; a "men's rights advocate" thinks men should rule over women; a US imperialist thinks America should rule over the world; a white nationalist thinks white people should rule over racialized people; a libertarian believes in bosses dominating workers and a Hindu nationalist believes in Hindu domination over Muslims.

These people all disagree about who should be in charge, but they all agree that some people are ordained to rule, and that any "artificial" attempt to overturn the "natural" order throws society into chaos. This is the entire basis of the panic over DEI, and the brainless reflex to blame the Francis Scott Key bridge disaster on the possibility that someone had been unjustly promoted to ship's captain due to their membership in a disfavored racial group or gender.

This definition is also useful because it cleanly cleaves progressives from conservatives. If conservatives think there's a natural order in which the few dominate the many, progressivism is a belief in pluralism and inclusion, the idea that disparate perspectives and experiences all have something to contribute to society. Progressives see a world in which only a small number of people rise to public life, rarified professions, and cultural prominence and assume that this is terrible waste of the talents and contributions of people whose accidents of birth keep them from participating in the same way.

This is why progressives are committed to class mobility, broad access to education, and active programs to bring traditionally underrepresented groups into arenas that once excluded them. The "some are born to rule, and most to be ruled over" conservative credo rejects this as not just wrong, but dangerous, the kind of thing that leads to bridges being demolished by cargo ships.

The progressive reforms from the New Deal until the Reagan revolution were a series of efforts to broaden participation in every part of society by successively broader groups of people. A movement that started with inclusive housing and education for white men and votes for white women grew to encompass universal suffrage, racial struggles for equality, workplace protections for a widening group of people, rights for people with disabilities, truth and reconciliation with indigenous people and so on.

The conservative project of the past 40 years has been to reverse this: to return the great majority of us to the status of desperate, forelock-tugging plebs who know our places. Hence the return of child labor, the tradwife movement, and of course the attacks on labor unions and voting rights:

https://pluralistic.net/2022/11/06/the-end-of-the-road-to-serfdom/

Arguably the most potent symbol of this struggle is the fight over homes. The New Deal offered (some) working people a twofold path to prosperity: subsidized home-ownership and strong labor protections. This insulated (mostly white) workers from the two most potent threats to working peoples' lives and wellbeing: the cruel boss and the greedy landlord.

But the neoliberal era dispensed with labor rights, leaving the descendants of those lucky workers with just one tool for securing their American dream: home-ownership. As wages stagnated, your home – so essential to your ability to simply live – became your most important asset first, and a home second. So long as property values rose – and property taxes didn't – your home could be the backstop for debt-fueled consumption that filled the gap left by stagnating wages. Liquidating your family home might someday provide for your retirement, your kids' college loans and your emergency medical bills.

For conservatives who want to restore Gilded Age class rule, this was a very canny move. It pitted lucky workers with homes against their unlucky brethren – the more housing supply there was, the less your house was worth. The more protections tenants had, the less your house was worth. The more equitably municipal services (like schools) were distributed, the less your house was worth:

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

And now that the long game is over, they're coming for your house. It started with the foreclosure epidemic after the 2008 financial crisis, first under GW Bush, but then in earnest under Obama, who accepted the advice of his Treasury Secretary Timothy Geithner, who insisted that homeowners should be liquidated to "foam the runways" for the crashing banks:

https://pluralistic.net/2023/03/06/personnel-are-policy/#janice-eberly

Then there are scams like "We Buy Ugly Houses," a nationwide mass-fraud outfit that steals houses out from under elderly, vulnerable and desperate people:

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

The more we lose our houses, the more single-family homes Wall Street gets to snap up and convert into slum properties, aslosh with a toxic stew of black mold, junk fees and eviction threats:

https://pluralistic.net/2022/02/08/wall-street-landlords/#the-new-slumlords

Now there's a new way for finance barons the steal our houses out from under us – or rather, a very old way that had lain dormant since the last time child labor was legal – "tax lien investing."

Across the country, counties and cities have programs that allow investment funds to buy up overdue tax-bills from homeowners in financial hardship. These "investors" are entitled to be paid the missing property taxes, and if the homeowner can't afford to make that payment, the "investor" gets to kick them out of their homes and take possession of them, for a tiny fraction of their value.

As Andrew Kahrl writes for The American Prospect, tax lien investing was common in the 19th century, until the fundamental ugliness of the business made it unattractive even to the robber barons of the day:

https://prospect.org/economy/2024-04-26-investing-in-distress-tax-liens/

The "tax sharks" of Chicago and New York were deemed "too merciless" by their peers. One exec who got out of the business compared it to "picking pennies off a dead man’s eyes." The very idea of outsourcing municipal tax collection to merciless debt-hounds fell aroused public ire.

Today – as the conservative project to restore the "natural" order of the ruled and the ruled-over builds momentum – tax lien investing is attracting some of America's most rapacious investors – and they're making a killing. In Chicago, Alden Capital just spent a measly $1.75m to acquire the tax liens on 600 family homes in Cook County. They now get to charge escalating fees and penalties and usurious interest to those unlucky homeowners. Any homeowner that can't pay loses their home.

The first targets for tax-lien investing are the people who were the last people to benefit from the New Deal and its successors: Black and Latino families, elderly and disabled people and others who got the smallest share of America's experiment in shared prosperity are the first to lose the small slice of the American dream that they were grudgingly given.

This is the very definition of "structural racism." Redlining meant that families of color were shut out of the federal loan guarantees that benefited white workers. Rather than building intergenerational wealth, these families were forced to rent (building some other family's intergenerational wealth), and had a harder time saving for downpayments. That meant that they went into homeownership with "nontraditional" or "nonconforming" mortgages with higher interest rates and penalties, which made them more vulnerable to economic volatility, and thus more likely to fall behind on their taxes. Now that they're delinquent on their property taxes, they're in hock to a private equity fund that's charging them even more to live in their family home, and the second they fail to pay, they'll be evicted, rendered homeless and dispossessed of all the equity they built in their (former) home.

It's very on-brand for Alden Capital to be destroying the lives of Chicagoans. Alden is most notorious for buying up and destroying America's most beloved newspapers. It was Alden who bought up the Chicago Tribune, gutted its workforce, sold off its iconic downtown tower, and moved its few remaining reporters to an outer suburban, windowless brick building "the size of a Chipotle":

https://pluralistic.net/2021/10/16/sociopathic-monsters/#all-the-news-thats-fit-to-print

Before the ghastly hotel baroness Leona Helmsley went to prison for tax evasion, she famously said, "We don't pay taxes; only the little people pay taxes." Helmsley wasn't wrong – she was just a little ahead of schedule. As Propublica's IRS Files taught us, America's 400 richest people pay less tax than you do:

https://pluralistic.net/2022/04/13/for-the-little-people/#leona-helmsley-2022

When billionaires don't pay their taxes, they get to buy sports franchises. When poor people don't pay their taxes, billionaires get to steal their houses after paying the local government an insultingly small amount of money.

It's all going according to plan. We weren't meant to have houses, or job security, or retirement funds. We weren't meant to go to university, or even high school, and our kids were always supposed to be in harness at a local meat-packer or fast food kitchen, not wasting time with their high school chess club or sports team. They don't need high school: that's for the people who were born to rule. They – we – were meant to be ruled over.

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

https://pluralistic.net/2024/04/26/taxes-are-for-the-little-people/#alden-capital

#pluralistic #chicago #illinois #alden capital #the rents too damned high #debt #immiseration #chicago tribune #private equity #vulture capital #cook county #liens #tax evasion #taxes are for the little people #tax lien certificates #tax sharks #race #racial capitalism #predatory lending

382 notes · View notes

nocentis · 6 months ago

Text

Black Arum ┆ Siegrain

Content warning: main character death, cannibalism, gore, toxic/unreliable narrator, highly canon divergent character portrayal. Read at your own risk. You will probably take psychic damage from this.

╳┆A lure was stuck in the soot between his lungs. Many times he'd felt the tug — enough that the wire fray had worn a rut where his ribs met — and many times he'd found her on the other end, reeling for remnants of him that no longer existed. She would aim to break him open, sift around in the cinders for those specks of him she wanted to confiscate, keep for herself, so that she could finally be rid of him. Once those flecks were washed and panned, the remains would reek like plough mud closure. For that reason he would come to her whole, every whit of ash accounted for.

A cherry little game they'd play. Her with flint and steel, eager to reignite that paltry spark of "good" that flickered freely for a lapse before he remembered himself. Him with tinder and kindling, letting it light only to call on the rain again. Her with just enough hope. Him with just enough time.

That resolve was so very compelling. More than her beauty, her candor, and even that glow he so loved to bask in — that luster he wanted to hold between his teeth and bury under his nails — more than that, her tenacity was a toothsome temptation, and he wasn't keen to deny himself anything.

So when he felt the pull, he caved to the beck and spooled the lisle. That day, the line seemed lighter, thinner, than it ever had. It should've been strong. Tensile. Instead it felt gossamer fine and just as frail, poised to tear at an ill touch, and he wasn’t exactly renowned for his gentle hands. Still, he gathered it with both palms and wrapped it proudly around himself like a ceremonial sash, grin scrawled across his face something devilish.

╳┆He found her lying in the shade beneath a long-lived magnolia, still and silent as she never was, with the color of her namesake spread around her head in halo streaks. Battle-torn, as she so often was, and yet uncannily... passive.

Anything he'd planned to say went out the airlock. Instead, he stood there with an anchor in his stomach, reaping the benefit of doubt.

Not a frown nor a sigh when he darkened her sanctum, only heavenward eyes tearless and unblinking and a resigned breath just short of peaceful. That worn tether waned phantom thin, light as helium, and the tension in his chest went slack.

There was no definite snap. No dramatic severing or ear-popping moment of clarity. Only the vague sense of loss so fresh a wound that denial was a numbing salve.

“Get up,” his voice a command, sandgrit against whetstone, thickened by an unnamed antigen.

The silence felt like mockery. A placid scene void of chittering fauna, clouds' drum, or even the most timid breeze. It wanted him to hear the absence of her breath and the stillness of her chest. It wanted him to hear the hollow. The empty. The nothing. Wanted it to resonate; to find the furthest reaches of his mind and clean them out until all that was left was this icy, clarifying silence.

He knew the end when he saw it. This was something much worse. It was robbery.

Her life wasn’t for the world to take. It was for him to hold in his hands.

Something wet and pathetic slicked his tongue — some whiny, pleading thing — and it was stubborn as oil. The authority slid to the back of his throat and left him choking, “You are the indomitable Titania. You’ve laced fingers with Death time and again only to rise and slay and conquer, so get up.”

Her warmth was set to a slow drip, spilling from her in tired beads and seeping soundlessly into her chosen ground. Little whispers of her lost to greedy loam, sullied, never to be returned.

A waste of precious love. The sod won’t drink of her as he will. It will take of her and give back what? New “life” so fragile and fleeting? A feeble weed will take root, bloom its days few, and curl itself inside out? Pathetic. An insult to her legacy. An insult to the diamond-split sharp of her bladesoul.

His heart boiled over — popping, sticking, simmering sicksweet saccharine. It colored him cloying, flooded his mouth, and forced him to kneel at her altar.

"Please," he keened, hollow and morose, and his own pleading sickened him, “Say something.”

The sun trickled through the leaves like ichor, lighting up her black-blown eyes and the thin ring of honey surrounding them. Dim, distant, and dead as the moon.

His hand carved a path to her face, fingers featherlight against her fading flush. He brushed her bangs from her eyes and forced an unbroken breath through his quavering mouth. He traced each scar too faint to see and the parts of her skin their star kissed. Memorized the map of her face — each curve and crease, each fine hair, and every eyelash. He would carve out a space in his mind in her shape and fill it with the thousand sweet nothings he kept in his pockets.

He gathered her hand and threaded it with his own. When he opened his mouth, a rickety twine escaped from the deepest point of his chest, so he forced his jaws shut to keep the grief corked. He uncurled her fingers and pressed his cheek into her palm, trapping her there against his own scarred skin. His eyes fell shut as he breathed in this borrowed touch — this moment fated, stolen from him by this world's insatiable avarice.

He kissed her palm directly in the center; held it against his mouth and felt his own ruined breath echo back to him from the deepest grooves of her skin. Again, he begged, “Please, Erza.”

Of the armors innumerable now haunting this hallowed ground, this one least befit her.

He revered Death. If there was a god, surely it was Death, he thought, for Death asks for nothing but life. The dead don’t know that they’re dead. They know a split second of euphoria and then a sharp, definite end. Isn’t that the work of a gracious god? One last stroke of color whether in peace or peril, and then eternal rest. Back to the dust you sprouted from.

But now he couldn’t see any of that beauty he often waxed poetic about. All he could see was change yet to come. All he could see was her, and he wanted her back.

He wanted her back, yet he knew better than anyone that there was no such thing as resurrection. While Death might be gracious, it was not generous, and it was not to be reasoned with.

The thought of her buried deep, bathed by the dark and abandoned to rot — it washed his mouth acid sour. It ate straight through his tongue and lingered in the roots of his teeth, burning, raging redhot in his jaws’ marrow. A grave didn't suit her anymore than a pyre.

Soon she would be cold. Stiff. A feast for flies and their insatiable young. In the days to come, she would bubble and bloat and sallow. Her skin would loosen and slough off. The sun would bleach her bones. The meat of her would melt into oil and fat and bogspit. She would mix in with the soil, the groundwater, and this thankless magnolia would thrive.

It was tall, thick, with branches spread in all directions. The lowest of its limbs showed off the varied deep greens of its large waxy leaves, their undersides a chalky brown. A few white flowers bloomed, palm-shaped petals open in praise like they'd come to witness and worship. There was no question why she'd chosen to crawl here. It must've reminded her of home.

Despite its beauty, it was hardly worthy of her. Nothing in this ravenous world was. Her grave should be carved within his chest. There, he could keep her warm. He could host her in his veins. One day, they would wade the waters of woe together. Until then she could live under his skin.

He wouldn’t allow her to spoil. Wouldn’t place her gently into time’s whittlesome hands only to lose her peel by peel by rotting peel.

This world has taken much from you. Do not allow it to take her too.

A carnal ache etched itself into bone, a depth of passion he hadn't felt since he wrought for a false Heaven.

She is a fruit, ripe as a plum and twice the taste. Peel her open. There is a seed at her core. Plant it in your soot-field chest and watch her bloom anew.

What are these hands for if not this?

Flesh like sheets of silk. Muscle like rope. Blood like honey. Bone like an ivory trove. The splitting, the squelching, the straining, ripping, snapping; it burrowed marrow-deep and lingered there. Her chest peeled apart like jagged teeth, jaws croaking their rusted tune, and inside that redslick maw was the center of the universe.

The heart upon its throne, still as she, shielded by her precious lungs. It slid into his palm like it was always meant to be there. Raw, rich, and so very scarlet. Its sinews strained against his pull — those hollow vines that fed even the furthest parts of her — so he wrenched them free and draped himself in them like matchless finery.

Eat. Eat ‘til you’re sick. There’s a hole the size of her in the pit of your stomach. Eat until you fill it.

What are these teeth for if not this?

Tough as leather; smooth as rubber. His teeth slid right off the rind and clicked together with nothing but metallic sheen between them. He gnashed at that ink-dripping muscle until he found a spot weak enough to tear apart. It tasted of rare meat and iron; a heady gore thick enough to drown in. He swallowed, gasped, and that first new breath felt like a blade.

The child inside him saw her split-open ribs as his cradle. He wanted to crawl inside, curl up, and die. He wanted to paint himself her color.

He lost his vision to the hot, angry wash. His own sobs were a distant sound, muffled by meat and blood and his own desperate fingers. He was numb in the mouth and in the shake of his hands, but he forced himself to eat, eat despite the choking, the gagging, the wet, weeping remorse.

Don’t you dare throw her up. Be grateful. Swallow and say thank you and finish what you’ve started.

He bit into his own palm, indistinguishable from her core, and he cried out in sour relief. His hands spread raw grief over his face, through his hair, and down his neck.

You’re no better than this starving world.

He curled into himself, hands clutching his own aching chest, and despite the cloudless sky, he called upon the rain.

#v: ✗ ┆ siegrain ┆ ◜ canon divergent ◞#⚶ ┆ ◜ drabbles ◞#I was in a silly goofy mood #reader beware #this one was an exorcism.#needed to purge this depravity.#hey guys what if I bare my soul and it's a festering wound.#did I provide context? no. am I sorry? also no.#this only works in darkverse.#this is very obviously not inline with canon Jellal's personality but with a mutated version of him I created to balance ->#the healing arc I'm putting him through in mainverse.#not love but a secret other thing (obsession. possession.)(...take my money... I don't need that shit...)#& now she haunts the narrative. in my mind. and his too.#In my defense I've never claimed not to be a degenerate #yeah actually I am kind of embarrassed about this thank you for asking #never thought I’d have to say this but I do not endorse or condone cannibalism.#hey Sieg have you ever thought about chilling. calming down perhaps. I say as if I did not put him in this situation.#I fear this is one of those things I’m going to look back on in a few months & say: that should've stayed in the drafts.#me personally I love posting cringe. it's what I deserve.#if god exists I will have to answer for this. catch me in the river Acheron sipping on straight up anguish.#can you tell I have been confronted by the fleeting nature of mortality more often than usual lately. be honest.#actually I decided to not to go too into depth with the gore this time. I feel like keeping it vague lends more to the fugue state #also because it was giving me REALLY weird dreams. so like. yeah. I could've made this worse. but should I have?#tags bout damn long as the drabble. sorry gang.#cannibalism tw #gore tw #main character death tw #body horror tw #dayne’s depravity #daynedepravity

8 notes · View notes