#fed funds rate

[shaktiknowledgeblog]

US Federal Reserve | FED | fed funds rate | Fed Impact |fed rate like | fed rate hike |fed interest rate hike | fed news

US Federal Reserve increases 0.25% in Fed Rate, tomorrow Indian Stock Market will be engaged Fed Rate Hike: Once again the US Federal Reserve has raised the Fed rate by 25 basis points on Wednesday। It will also affect the Indian stock market. US Federal Reserve hiked Fed Rate: The US Federal Reserve on Wednesday raised the Fed rate to 25 basis points। Since this announcement, the interest rate…

[trendyfeed]

Fed meeting updates: Watch Chair Jerome Powell explain the Fed’s decision for a big rate cut,

[monicascot]

Weekly Overview | US Powel says more rate rises to come | US Data hints at a slowdown

Today, we will discuss the latest market trends and important developments that can impact your investments. We've seen some concerning signs of a global economic slowdown, including the weakening Purchasing Managers' Index (PMI) in the US. The upcoming central bank meetings in Portugal will provide insights into their plans to address these challenges.

[davidnelsoncfa]

Operational Risk Management 2023 - Portfolio Go No Go Checklist!

#ORM 2023 - $SPY Go No Go Checklist - Heed the immortal words of Sergeant Phil Esterhous "Let's be careful out there" #economy #Fed $gld $tlt #ukraine #putin #china

By David Nelson, CFA AMTAll branches of the military use ORM or their own Operational Risk Management system. It’s an imperative before launching any mission and commonly used by pilots in making go no go decisions. We identify the risks even those with low probability and make a quantitative judgement as to the feasibility of the mission and or flight. Investors need to do their own due…

[toprealestatebuzz]

Interest Rate Jump 11th time in 17 Months

Interest — This week, the Federal Reserve continued its efforts to slow down inflation, raising the target federal funds rate by a quarter of a point. The decision saw the central bank’s Federal Open Market Committee raise the rate to a target range between 5.25% and 5.5%. As a result, the midpoint of the target hits the highest level for the benchmark rate since 2001.

In the last meeting, holding rates were held steady, and the central bank indicated that the efforts to bring price increases down is still far from over even with recent signs saying inflationary pressures have cooled down.

As of now, inflation is still higher than the Fed target of 2%. However, Columbia Business School economics professor Brett House said, “It’s entirely possible that this could be the last hike in the cycle.

If you want to read more about Interest Rates hikes, follow the link

[ennovance]

....inflation (super core or otherwise) at 5% remains too high

Isn’t the market underappreciating the Fed’s commitment to get inflation back to 2% (even in the election cycle)?

📳 Credit > equity

ht Apollo/Slok

https://twitter.com/mohossain/status/1668084151075983360?s=46&t=GtuOmoaTjOwevz2JidiiDQ

#QE #FreeMoney #inflation #fed #interestrates #investments

#mergers #acquisitions #deals #lbo #mergerarb #fund #investor #PrivateEquity #buyouts #ennovance #MandA #PE #investments #MergerArb #equity $qqq $spx

[csuitebitches]

book review: Stolen focus by Johann Hari

Major learnings from this book. It basically talks about focus, why and how we’re losing it. Why can’t we pay attention anymore? Are we individuals to blame or our systems? 

There will be a time when the upper class will be extremely aware of the risks to their attention (caused by tech, social media, our current generation) and the masses, with fewer resources to resist the temptation of technology, will be manipulated more and more by their computers. 

Multitasking is a myth. What actually happens when we multitask is that we “juggle” between tasks. This results in incomplete tasks, higher error rates, less focus, less creativity and memory decreases. 

Sleep is extremely important, especially sleeping according to nature - when the sun sets and sun rises. If the whole world slept the way we are naturally programmed, we would have an economic earthquake. Our economic systems run on sleep deprived people. 

Reading online and reading print has a huge difference. Reading online creates tendencies of skimming and scanning text. This prevents our brain from focusing intently on one story at a time, which print allows you to do. You also remember and understand things from printed texts better. 

Empathy. Certain research suggests that reading fiction and novels improves empathy, because you are immersing yourself in another character’s life for a while. Empathy has played a huge role in human advancements. If a group of white people did not realise that colonisation was wrong, if men did not realise that women deserve equal rights, we would not have independent nations nor be close to gender equality today. 

There are multiple types of paying attention. Focused attention is one thing. But day dreaming and letting your mind wander with no distraction (that is, being alone with your thoughts) is equally important. Some of the most important breakthroughs in human history were because the inventors were not actively focusing on solving the problem. 

Being on social media = giving a free pass to be manipulated. No thoughts, opinions, desires that you have are original. They have all been fed into you by social media and the online world. It is by their design that we cannot focus. 

Leaked internal records of Facebook show that they are aware that their algorithms exploit the human brain’s attraction to divisiveness. 64% of people, for instance, who join extremist groups join because FB’s algorithm directly recommends too. “Our recommendation systems grow the problem.” Zuckerberg eventually terminated the unit that was studying this. 

Diet and attention. The diet we consumed today is a diet that causes regular energy spikes and energy crashes. Our food does not have the nutrients we need for our brains to function well. Our current diets actively contain chemicals that seem to act on our brains almost like drugs.  

Be careful about reading research, especially when it’s funded by the industry itself. For 40 years, the lead industry funded all the scientific research into whether it was safe, and assured the world that it was. Lead later turned out to severely stunt your ability to focus and pay attention and that you are more likely to get ADHD. 

We define success broadly as economic growth. Economies should get bigger, companies should get bigger. Growth can happen in two ways - either the companies find new markets or they persuade the existing consumers to consume more. If you can get people to eat more or to sleep less, you’ve found the source of economic growth. It results in people working overtime, not having enough time with family, friends and themselves, stress and anxiety prone, lack of sleep and bad health, etc. 

Conclusion: use precommitment to stop switching tasks, try to focus more on intrinsic motivation than extrinsic, go off social media periodically (say 1 month at a time) and then extend those breaks; everyday spend 1 hour in walking in silence (no music, conversations or people- and if this is in nature, even better) to connect with yourself, 8 hours of sleep every night, build on slow practices like yoga, cut out processed food, take your PTO!!

[togglesbloggle]

Why do you think tumblr will die in only a few years?

Answer with jargon: a strong correlation between recent economic shifts and chaotic choices by major tech companies is most easily explained if the 'traditional' social media platforms of 2005-2020 are mostly a zero-interest rate phenomenon.

Longer answer, with less jargon: Even though Musk's takeover is making all the headlines recently, the last year has in fact seen major shakeups at many social media platforms, so Twitter is actually part of a trend. Almost inevitably, these are cases of social media companies trying to find a way to squeeze more money out of their userbase (Reddit), cut costs dramatically (Twitter), or both. This marks a sudden departure from a much more relaxed attitude towards revenue in the Pictures Of Cats industry, where the focus was historically more on expanding the userbase to a global scale and then counting on world domination to sort of <????> and then the company would become profitable eventually.

We joke, correctly, that Tumblr has never been profitable. But the entire structure of ad-supported content curation between human users is deeply suspect as a business model; IIRC Twitter was never profitable either, and Facebook has been juicing its numbers in very shenanigany ways. Discord was actually making money on net last I checked, at least a bit, so they're not all completely in the hole. But even if you take the accounting figures at face value, none of these companies has anything like the amount of money that their cultural prominence would suggest. Instead, they're heavily fueled by investment dollars, money given by super-rich people and institutions in the expectation that fueling the growth of the company now will pay off with interest later.

So what changed?

I'm not an expert here, but I'll do my best to muddle through. The American Federal Reserve has one mandate that dominates all others (sometimes called the 'dual mandate'), and one primary tool that it uses to enforce that mandate. The goal is to maintain low (but nonzero) rates of inflation and unemployment, which in their models are deeply interlinked phenomena. The tool is 'rate hikes', or more specifically, tweaking the mandatory rate of interest that banks charge one another when making loans.

As a particular consequence of this, hiking the rate also means that bonds start paying out much better. When the rate hike goes through, that affects people who let the government borrow their personal cash- that is, people who buy bonds- as well as institutions like banks that lend to one another. A rate hike means that you, personally, can make a little extra money by letting the government borrow it for a while. The federal government of the US is a rock-solid low-risk choice for this kind of moneymaking scheme, so the federal interest rate sort of defines the 'number to beat'; to attract investors, a company has to give those investors money at a better percentage than whatever the feds are offering. Particularly since a company is a lot more likely to go out of business than the state!

To wrap this back around to the Pictures Of Cats industry: the higher the rate hike, the better your company needs to be doing (or the less risky it needs to be as an option) to attract big investment dollars. Very high rates make it very hard to convince people to invest in business activity rather than the government itself, and very low rates put moonshots and big dreams on the table, investment-wise, in a way that wouldn't otherwise be possible. Social media companies were one of these big dreams.

In the great financial crisis of 2008, the Fed took the dramatic step of reducing their rate to zero, trying to juice the economy back to life. And ever since then, they've kept it there. This has produced an unprecedented amount of funding for very crazy stuff; it's part of what has allowed so many weird new tech companies (Uber, streaming services, etc.) to get so much money, so quickly, and use that to grow to massive size without a clear model of how they're ever going to make money. This state of affairs kept going for quite a while, with no clear stopping point; that zero-interest environment has been one of the shadowy forces in the background that shaped fundamental contours and limits in how our Very Online World has grown and developed. Until COVID.

Or rather, the bounce back from COVID: we suddenly saw a massive spike in inflation and an incredibly strong labor market, as employees quit in record numbers, negotiated higher salaries, and found better work, and at the same time supply chain issues and other economy stuff caused prices to climb dramatically. Recall the Fed's 'dual mandate', to control the employment rate and inflation. This was, basically, kicking them right in the jooblies. They responded in kind, finally finally raising their rates for the first time in 15 years. For some of the people reading this, it'll be the first significant shift in their entire adult lives.

The goal, as I understand it, is to fight inflation by reducing the amount of outside investment into private companies, forcing them to hire fewer people and pay smaller salaries, ultimately drawing money out of the working economy and driving prices back down by lowering demand for everything. You get paid less, so you eat out less, and buy at cheaper restaurants when you do, so restaurants have to compete harder by lowering their prices; seems pretty dodgy to me as a theory, but it's the theory. And the first part will almost certainly work- companies are going to see less investment.

For social media companies that are still paying most of their salaries with investor dollars instead of revenues, this is especially catastrophic. Without outside investment, they're just a massive pile of expenses waiting to happen, huge yearly costs in developer salaries and server fees. This is why, all of a sudden, every social media company is suddenly making bonkers decisions. They're noticing that nobody wants to give them any more money! So they're trying to figure out how to live a lot more cheaply, to actually somehow for reals turn their giant userbases in to some kind of actual revenue stream, or both.

Tumblr is kind of the ur-example of this kind of thing, supporting a very large userbase with no coherent plan whatsoever to start paying its staff with our dollars instead of investors' dollars. When interest rates were low and Scrooge McDuck had nowhere else to hide his pile of gold coins, a crazy kid with a dream was the best alternative available to him. But now, unless something changes, he's going to notice he can just buy bonds instead, and that crazy kid can go take a hike.

That's why I think Tumblr is living on borrowed time, though I don't know how much. Like all cartoons, the economy doesn't really fall off a cliff until somebody looks down and notices they've been standing on thin air this whole time. But they always fall eventually; that's the gag.

[xomakara]

Wanted Dead Or Alive

(re-posting from my old account seulrinnie-rinrin/xomakara-secondary)

SUMMARY | A handsome cowboy is injured while tending to a wild horse he's rescued miles from town. You're on the run, and can't afford to stop on your way to your destination – but you can't ignore the wounded man when you see him, and decide to help him despite the personal risk.

PAIRING | Mingi x Reader

GENRE/CONTENT/WARNINGS | Cowboy!Mingi, Heiress!Reader, Western au, non-idol au, smut (with some plot), consensual sex, vaginal sex, unprotected sex (wrap it up y'all), slight fingering, dirty talk, pet names (darlin', sweetheart, etc), praise kink, bathtub sex, bed sex, gunfights, mentioned abuse

RATING | Mature, Explicit, 18+, NSFW, MDNI

LENGTH | 7,929 words

TAGLIST |  --

NETWORKS |  @cromernet (reuploaded so only tagging nets that haven't reblogged it yet)

AUTHOR’S NOTE | Excuse me, while I go bathe myself in holy water.

You can't help but spur the horse forward, your heart thudding in your chest. It had been hours, but the adrenaline was still running rampant in your system, your stomach clenching with dread.

You could hear the sound of hooves, and your body was tense and tight as you pulled the reins, hoping the sound wasn't heading toward you.

It had all started when you woke up with your ex-husband's hands around your throat, a wild look in his eyes. He'd seemed desperate and he had looked at you with an unfamiliar expression as he tightened his grip.

The memory of his hands squeezing the air out of your throat, the burning in your lungs as he tried to squeeze the life out of you. The memory had tears springing into your eyes, and you swallowed them back, forcing the panic away.

He had almost succeeded, if not for the fact that you were more desperate to live than he was for you to die.

You'd fought him with everything you had, and with the steak knife that you hid under your pillow, you stabbed him in the hand so that you could breathe.

And then you ran.

You had a small fortune that you'd stashed away, and you had a bag packed for days like this.

It wasn't enough to keep you safe for very long, but it was enough to get you where you needed to go, and it was enough to keep you warm, and fed and hidden from prying eyes.

You had planned to slip out of town under the cover of darkness and disappear. You'd heard that it was possible to disappear entirely, to leave the country, and you were prepared to do it.

You had no ties, no one waiting for you, nothing to keep you in town except for the fear of being found.

The sun is rising over the horizon, and you know you should probably stop for a rest, but you don't think you can.

You want to keep moving until you can't anymore.

You know there are men on your trail. They're not smart enough to keep up with you, but you know they're going to follow you for as long as it takes.

They'd followed you to this little town, and you knew it was only a matter of time before they found you again.

And they wouldn't stop until they got what they wanted.

You know it was the money they were after.

After all, your family had a lot of it, and your husband had known about it and had wanted to get his hands on it for some time.

That's why he married you.

Sure he was rich and everyone knew it. But with the way that he spent it, he was drying out his funds, and he knew that if he didn't find some source of income, he'd be destitute within the year.

He wouldn't tell anyone, oh no, that would damage his reputation.

Instead, he'd taken a loan and used that loan to buy the nicest ring that he could afford.

And then he'd gone and found himself a rich wife.

He'd been careful in his planning. He'd been charming and he'd made you feel things you'd never felt before. He charmed his way to get your parents' favor, and they'd approved of him almost immediately.

The wedding had been the biggest social event that had happened in town in a long time.

But it didn't matter how well the two of you were liked, because your ex-husband didn't know how to stop spending, and now people were beginning to talk.

And they were beginning to ask questions.

You had been his perfect cover, his perfect alibi, and now that he was losing his power and prestige, he wanted to keep the one thing that was left to him.

And that was the money.

You didn't mind giving him the money, he'd been good to you, and he'd loved you, and had cared for you. But when the love turned to abuse, and the care turned to control, you decided you were better off without him.

So, you left him. Divorced him.

And now he was coming after you, and after the money.

He would not stop until he got what he wanted.

And neither would the men that were chasing you.

Your horse had been galloping for hours, and you were starting to slow down. Your body was sore, and your legs were cramping, but you couldn't bring yourself to stop.

You could hear them getting closer, and it made your blood run cold.

Your eyes scanned the horizon, looking for a place where you could stop. Somewhere you could hide, maybe.

There was a corpse of trees not too far from the road, and you veered towards them, hoping that they were thick enough to hide you from the men who were pursuing you.

And then you see him.

Tall and handsome, leaning against the side of a tree, holding his side. His head is tipped back, his face twisted with pain, and you feel your heart drop at the sight.

You pull your horse to a stop, your hands trembling. You're afraid. You're so scared. But you can't just leave him there, bleeding.

He's a big guy, with broad shoulders and muscular arms, but right now, he looks so small.

He opens his eyes, and his gaze finds yours. His eyes are dark, and you can see the pain in them.

He lifts his hand, and he waves at you.

"Hey there, little lady." Voice hoarse and gravelly. "Looks like I could use a bit of help."

You couldn't help but dismount your horse and carefully walk up to him. "What happened to you?"

His face twists and his shoulders rise as he inhales deeply. "Long story short, I got shot trying to round up some horses for Ol' Man Kim. A bullet got lodged in my side. I ain't sure if it went clean through, but I need a doctor. I can't make it to town."

You hesitate, chewing on your bottom lip. "I can't take you into town, Mister. I can't afford to draw attention to myself."

He gives you a strange look. "Why would that draw attention to yourself? Do you have a criminal record or somethin'?"

You shake your head. "No. It's a lot more complicated than that. It's a long story."

"You can make it short like I did mine."

You laugh softly, your heart skipping a beat. He has a nice smile, and he's even more handsome when he laughs. "Okay. Well, long story short, I'm on the run. My ex-husband is trying to kill me for my money. And some other guys are after me. I can't stop here or else I'm putting myself at risk. I have to keep moving."

He studies you for a moment, his dark eyes boring into yours. "If you're willing, I could be of some assistance. I'm good with a gun, and I can keep you safe."

"But you're injured, mister."

"It's just a flesh wound. I can still use a gun. If you're worried, I can ride along with you, and when we get to the next town, I'll find a doctor. Until then, I'll watch your back. I promise I won't let anyone hurt you."

You hesitate, chewing on your bottom lip. "Why would you do that? You look like the type that would rob me instead."

"Nah, I may be a cowboy but I don't harm women and children." He reaches out his hand, palm up, a kind smile on his face. "I'll protect you, Miss. And when I'm healed up, I'll help you get to wherever it is that you're going."

You swallow, unsure if you should trust him or not. But he seems like a decent guy, and you could use all the help you could get.

"I don't know..." You bit your bottom lip. "I can't afford to pay you right now..."

"That's alright." He smiles again, and it's a reassuring smile. "I don't need any money. Just some help."

You hesitate, your heart racing. "Okay."

He grins. "Well, alright then. What's your name, miss?"

"Y/N."

"Mingi. A pleasure to meet ya."

"Likewise." You nod and walk towards your horse, taking hold of his reins. "You think you can get up on your own, Mingi?"

"Sure thing." Mingi grunts and pushes himself away from the tree, his hand clutching at his side. He takes a few steps, his face twisted in pain. He staggers and nearly falls, but you're quick enough to catch him before he hits the ground.

You grunt and strain to keep him upright. "Easy there."

He looks down at you, and you can see the embarrassment and pain in his eyes.

"Sorry."

"It's alright. Just lean on me, and we'll get you up on the horse. We're not going very far, and I think I saw a doctor a few miles back."

Mingi nods and takes a deep breath. You can't help but notice that his hair is messy and windswept, and his clothes are rumpled. Despite that, he was still very handsome.

You put your arms around his waist and help him climb onto the horse.

"Thank you." He says, his voice soft.

"You're welcome." You reply a small smile on your face.

You can't help but notice the way his broad shoulders taper into a narrow waist. He has the build of a man who does hard work for a living, and his dark brown eyes are bright and clear. He's the first man who's been honest and kind to you in a long time.

As you climb onto the horse, Mingi wraps his arms around you, pulling you close to his chest.

You feel safe and secure, and you can't help but notice how his arms feel around you.

His scent is warm and masculine, and you feel yourself relaxing into him.

"We should get going." You say, your voice barely a whisper.

"Right," Mingi says and nudges the horse forward.

As you ride away, you can't help but notice the way he tightens his arms around you, and how his lips brush against your ear.

You shiver, and close your eyes, enjoying the feeling of his arms around you, and the safety you feel in his embrace.

For the first time in a long time, you feel hopeful.

You arrived in the small town that you passed a few miles back and the first thing that caught your eye was a doctor's office.

Mingi had been quiet the whole ride. The pain must have been intense. You pulled your horse to a stop and quickly dismounted. You helped Mingi off the horse and slowly made your way into the building, his tall frame leaning on you.

"I need a doctor! Now!" You shouted and looked around the waiting room.

"Please wait your turn." A woman, who looked like a nurse, muttered as she sat at a desk looking over some papers.

"Ma'am, please get the doctor or help me." Mingi softly said, the woman looking up at him. Mingi smiled down at you, his face pale. "My little wife here is worried and I'd hate to see her cry."

The woman blushed, and got up from her desk, quickly hurrying down the hall.

"Wife?" You questioned.

"She'll give us priority. Trust me." He softly grinned at you. "It's easier to get what we want this way."

"How's that fair to the other patients?"

"Life's not fair, sweetheart."

"You're lucky that I find you charming." You huffed.

"You find me charming? Well, aren't you sweet?"

"Shut up." You softly chuckled and rolled your eyes.

"Sir, ma'am, follow me." The nurse came back into the waiting room and ushered you down the hall and into an examination room.

After some time, Mingi was patched up, and per the doctor's orders, you had to stay a few nights in town. You were worried about the men that were following you but Mingi assured you that you would be safe.

"So, where are we staying?"

"With a friend of mine."

"Friend?"

"Yep. He'll take good care of us. He owes me a favor and it's his fault that I got shot in the first place."

"Is it Ol' Man Kim, you mentioned before?"

Mingi nodded. "Just don't call him old. He's only a year older than me but I like to mess with him. We grew up together and we've always had each other's backs."

"He sounds like a good friend."

"He's one of the best." Mingi grinned, the pain meds kicking in.

"Alright, well, we better get going then." You sighed and helped Mingi get out of bed. "The doctor said that the medicine will probably make you drowsy."

"I'll be fine. Let's go."

You helped Mingi back to your horse and got him situated on the saddle.

"Ready?"

"Yeah."

"Where to?"

"Kim's place. It's not far from here."

"Alright." You mounted your horse and started heading out of town.

You rode for a few hours, the sun beginning to set. You were about to suggest that you should camp somewhere for the night, but Mingi told you to continue straight ahead.

"This is a long stretch of nothing, are you sure we're heading the right way?"

"Yes. Keep going, the house should come into view soon."

"Okay." You said, keeping the horse moving.

It was growing darker, and the air was getting colder.

"Mingi, we really should stop and rest. We can continue tomorrow."

"Not yet. We're almost there. Keep going."

"Are you sure?"

"I'm sure."

"Alright."

You continued to ride, the sky turning darker.

"I'm getting worried, Mingi. It's getting too dark to ride safely."

"Don't worry. The house should be coming up soon."

"Okay."

The moon was high in the sky and the stars were shining brightly.

You were about to give up and insist on making camp when a large house appeared in the distance.

"See? Told you."

"Well, I'll be damned." You sighed.

"It's not much, but it's home."

You followed Mingi's directions and guided the horse to the front door.

"Who's there?" A man opened the door, pointing his rifle at the both of you.

"Calm down, you old fart. It's just me." Mingi waved his hand at the man.

"Mingi?" The man lowered his rifle and squinted his eyes at him. "What the hell happened to you, man?"

"Got shot trying to wrangle up your horses, that's what." Mingi joked before looking at you. "This little lady here helped me."

"I'm sorry. I didn't catch your name, Miss." The man smiled at you.

"Y/N."

"Nice to meet ya. Name's Hongjoong. You can call me Joong."

"Joong, this little lady needs our help. She's running from some bad people." Mingi leaned his head against your back, his voice sounding groggy.

"Bad people?" Hongjoong questioned, eyeing you suspiciously.

"Yes. My ex-husband is trying to kill me." You explained. "He's hired people to come after me. I've been on the run for months now."

"I'm sorry to hear that, Miss Y/N."

"Thank you."

"Mingi, why don't you take Miss Y/N and get settled in while I bring your horse to the stable."

"Okay."

Mingi helped you down from the horse, his arms wrapping around your waist as he slowly lowered you to the ground.

"Careful." You softly spoke, helping him down from the horse.

"Thank you, darling." Mingi smiled.

"You two, get inside and get warmed up. I'll take care of the horse." Hongjoong took the reins and led the horse to the stable.

You helped Mingi inside, the two of you entering the large ranch house. You placed Mingi on the couch before taking a look around the house. It was simple but cozy, and it smelled like vanilla and pine.

"Make yourself at home. Joong won't be long." Mingi leaned back against the cushions.

"Thank you." You smiled and went back over to him, sitting on the couch next to him.

You studied his features, his eyes closed and his face relaxed. He looked so peaceful, and you couldn't help but admire his beauty.

"What are you thinking about?" Mingi suddenly asked, opening his eyes and looking at you.

"Nothing. Just how handsome you are." You admitted.

"Well, thank you, darlin'." He smiled. "You're pretty yourself. Real pretty."

"Thank you."

"I'm glad you decided to stop and help me. I owe you my life."

"You're welcome." You smiled and leaned back against the cushions.

"So tell me your story," Mingi muttered. "Why is your husband out to get ya? Is it just for the money or is there something else?"

"It's a long story, Mingi." You sighed, a frown forming on your face.

"I got all night, sweetheart." He smiled, rubbing a hand up and down your arm. "C'mon. Indulge me, please."

You rolled your eyes. "You're lucky you're hurt. You're being very cheeky."

Mingi laughed, his dimpled cheek pressed against the cushions as he closed his eyes. "I am indeed. Tell me about ya. About yer marriage."

"What's to tell?" You shrugged, leaning back against the sofa and closing your eyes. "I met a man I thought would take care of me. He charmed me and my family but in reality, all he ever wanted was my money. Because he was on the verge of being broke." You began, re-living the memories. "At first, he treated me nice and it was wonderful, until it wasn't. It was his love language, lavish gifts, and trips. And then all of a sudden, what I thought was love turned into abuse and control. He wanted to spend my money on everything. When I said no, things went badly and his abuse became physical."

Mingi reached out a hand to you and put it atop yours, giving a little squeeze. "That bastard. I know his type. Those were the men I robbed and stole from. The greedy ones that hurt women." He let out a sigh and laid his head back. "I was an outlaw, for a long time. Joong and I were always looking out for each other. He was the brains and I was the brawn. But, a couple of years back we fell on some rough times and realized we weren't as invincible as we thought. When Joong's mama passed, she left him this property. We went legit and bought some cattle. Things are good now but we were still doing odd jobs. Helping friends and such." He smiled.

You studied him. "You two seem close. Friends can be good to have."

Mingi smiled at you, his dark brown eyes piercing into yours. "Joong and I are good at taking care of ourselves. Never needed anyone else until now."

"Until now?" Your eyebrows raised.

He shrugged a shoulder, an eyebrow lifting. "You never know what the future holds. Better to be prepared."

Mingi chuckled and stretched his limbs.

"I like the way you think." Your lips turned upward as you spoke to him.

The two of you sat in comfortable silence. Mingi's presence brought a feeling of ease to you. A moment later, Hongjoong came through the front door and removed his boots at the entrance.

"Hey, Joongie." Mingi greeted with a sleepy smile.

"How are ya holding up?"

"Better now." Mingi looked at you with a smile on his lips.

"Hey now, don't be all flirty up in this place-"

"Don't get jealous, Joong." Mingi cut him off.

"Me, jealous of you? Hell no." Hongjoong made his way over to you and sat down on a loveseat opposite the sofa. "So Miss Y/N, you got some crazies after you? What for? You some kind of heiress to a fortune? I can't see you doing any sort of wrong."

Your face reddened a bit as the men watched you. "I uh...well you could say that. My parents are wealthy, yes, and I was married to what I thought was a wealthy man...but he was on the verge of being broke. He only wanted my money so he could fund his extravagant life. Over time, he changed and became abusive. Finally, I couldn't handle it anymore so I divorced him. Stabbed him in the hand with a steak knife and ran away. Now he's sent thugs and goons after me. As long as he can get his hands on my money, he doesn't care if I'm dead or alive."

"Unbelievable." Mingi sighed and rubbed his temples.

"Well, I have to hand it to you, Y/N. Most women wouldn't have the strength or gall to stand up to an abuser or their spouse." Hongjoong admired you.

"I have to get out of the country. That was my plan all along." You sighed. "Get out of the country and try to live quietly, like normal. Not to offend, but men like you aren't exactly low-key."

Mingi chuckled. "Good point."

"And now you're saddled with the poor cowboy you've rescued and stuck at a ranch house on the outskirts of nowhere."

'What if they come here?" You bit your bottom lip.

Hongjoong shook his head. "You don't have to worry. Mingi and I are more than capable of handling a few thugs."

"Right." Mingi smiled at you. "Now, how about some food and bed? I'm starved, wounded, and exhausted."

"As am I."

"Okay, you two." Hongjoong stood. "I'll get dinner started, so rest up."

"She's in there!" You heard yelling. "We'll kill her if we have to! Bring her here, now!"

You were thrown on your back, a male body covering yours as you blinked your eyes awake. The tall cowboy covered your body as best he could with his own, a rifle aimed and firing out the window into the night.

"Stay low," Mingi growled in your ear, a primal protective tone. He aimed the rifle once more as shouts and screams pierced the air. More gunshots and the air turned electric. He spoke to you in a hushed tone. "Do you know how to handle a gun?"

"Yeah." You had been forced to learn back with your husband and his controlling nature. You would never use a weapon to harm, though.

Mingi looked to see that you nodded, reaching over he dug in a side drawer of the dresser next to his bed and handed you a pistol.

"Just in case. Try to stay low until it's clear. But if it's an all-out war, don't be afraid. Protect yourself. I don't mind dying for something worth it and you're something worth a lot in my eyes. I promise you, you'll come out alive and whole."

You turned and locked eyes with Mingi. Mingi held eye contact for a second before hopping out of bed.

"You ready?" Mingi moved to the window and looked out over the land surrounding the home, the firelight casting an orange glow.

You swallowed your anxiety and nodded to the cowboy.

"Okay." Mingi readied his weapon and hopped up onto the window, gun first, and fired. He took cover in the window frame, a thump sounded like a body landing, but you weren't sure. You held the gun ready, gripping tight to it tight as sweat lined your palms.

There was no more yelling. Only the crackling of the fire was audible. Mingi sighed heavily. His head dropped and then you watched his chest inflate and fall quickly as his nerves calmed down.

"You good, Darlin'?" He turned his eyes to meet yours.

"I'm...okay."

"Good." He nodded. "Remember to stay low. I'll draw their attention away, then you run like hell. Head to the stables and get on one of the horses. Head to town and find Yunho, the sheriff. Hongjoong and I will be right behind you. Okay?"

You nodded. "Okay."

"Good girl." He gave your knee a light squeeze. "Stay low and quiet."

Mingi disappeared. You took a few breaths, listening to the silence. You then dropped the window and began to make your way through the house and to the stables. You heard the sounds of horses stamping the ground and snorting. You looked over and saw Hongjoong climbing through the window.

"He okay?" Hongjoong whispered, moving his head out the window and seeing Mingi wasn't following you.

"Yes." You looked at him, sadness lining your eyes and fear welling in your voice.

"Hey, he's tough. The guy has been in much worse jams and walked out unscathed. This time isn't going to be any different. Trust me." Hongjoong had his revolver out, keeping his eyes focused on any movement outside. He hoped his words were true and the Mingi was alright.

A second later you heard Mingi's boots hit the floor. You were relieved. He moved quickly to the window.

"Four men dead."

"Is that all of them?" Hongjoong asked.

"Yes. They rode in fast. Just the four men. Heard one of them saying that there's more on the way."

"Damn, you're ex-husband wasn't playing around," Hongjoong grumbled.

Mingi approached you. "Darlin', let's go."

Hongjoong looked at you. "Go with Mingi. I'll hold down the fort. This is my goddamn house after all."

He clasped Mingi on the shoulder. "Just go and get her safe."

"Yeah." Mingi nodded.

Hongjoong loaded the pistol and cocked the hammer. "This ain't goodbye forever, Miss Y/N. I promise." He saluted the pair of you with two fingers, a genuine smile on his lips. "Be safe, you two."

"Take care, Hongjoong. See you on the other side, my friend." Mingi then took your hand and led you to a horse already packed with bags. He then picked you up by your waist, lifting you as though you were nothing more than a pillow. His strength never failed to impress you and excite you at the same time. You tried to situate your skirts appropriately but decided to tear a good portion of fabric from the hem for easier mobility.

You felt Mingi swing up behind you on the horse and place an arm around you. "Hang on. We're heading on to town to get Sheriff Yunho and let him know what's going on. Then we'll head on to the next town over." Mingi clicked his tongue and kicked the horse's flanks gently with his boots and the pair of you raced off the property. You were overwhelmed and felt as though things were starting to go wrong, again. Would the nightmare ever stop? Was there no safety in the world for you? And now, you were putting a new man and his best friend into the situation. Men who weren't bound to you in any way. 

Men who owed you nothing. Who have both saved you already, when they barely even knew you. How could you thank someone for something like that?

After stopping in town and telling the sheriff what had happened and disguising yourself in men’s clothing, you and Mingi were on the road to the next town over. With Mingi behind you and one hand on the reins, you gripped the saddle and tried to focus on breathing. Your heart wouldn't slow down, and Mingi could sense how anxious you were.

"Talk to me, darlin'." Mingi patted your arm and leaned forward a little to listen.

"Oh..." You hadn't noticed until now just how tense your shoulders were.

"It's gonna be fine." Mingi's voice was warm and comforting, the complete opposite of the situation at hand.

"How can you say that?" You looked over your shoulder and locked eyes with him, tears already lining your waterline.

Mingi's breath hitched a moment when he met your gaze. It was an intense moment the two of you sharing, his large eyes drawing you in, pupils dilating ever so slightly. You were breathless when his face lowered to yours, his mouth suddenly pressing to yours in a firm yet gentle kiss. You relaxed as the shock melted away and leaned into him, Mingi's arm sliding over your waist and pulling you against him.

Your hand lifted and rested upon his broad chest. You could feel his heart thrumming away against his ribcage. A soft growl vibrated his throat when his lips parted against yours, allowing the hot sweep of his tongue to dance with yours. You were enjoying the moment, but the stress still lingered and ate away at you.

You were caught completely off-guard by Mingi's actions. Especially considering how you had only met him just a day earlier.

"Mingi..." You gasped a little, a redness spreading over your cheeks as the cowboy pulled back and smiled.

"I promise everything will be just fine, Y/N," Mingi muttered. "We'll be in town soon and on the next train out of there. Then we'll be off far west. Free from that bastard and his goons."

"You're going through all this trouble, and danger, to protect someone you don't even really know." You wrapped your arms around yourself, feeling bad for endangering such a kind and wonderful man like the man behind you.

"Hey." Mingi reached over and brushed a stray tendril of hair from your face. "You're the real deal. I can tell, just by meeting you and hearing your story. Besides, this is me getting away from the life that Hongjoong and I led until just recently. This is redemption in a way, to help a pretty woman and save a good soul." Mingi moved one hand up your neck, fingers sliding along your skin making gooseflesh ripple along the trail.

"But the cost-"

"I think I know the price better than anyone. I was an outlaw, Y/N. Threw in my hand with the wrong people when I was a young idiot. Was lucky to be alive, and eventually met up with Hongoong. So I've seen all there was to see and can read people well. And, it's never too late to change and to choose the right people to surround yourself with. I've realized that I have to help others – the right way. And, besides, if I have to be in a sticky situation, I'm glad it's with someone like you."

You looked up to see Mingi staring down at you, his hands touching your waist.

Mingi grinned a bit as you seemed surprised. You were lost in his gaze for a moment, before coming back to your senses.

"Thanks."

Mingi stroked your cheek softly, admiring the details of your face for a moment, taking note of a certain spot he wouldn't mind having a chance to mark later on. Your face had a healthy dusting of sun-kissed skin that shined. Mingi stared in awe. He's known many a beautiful woman, but you were special. "Come on, darlin', we should keep moving. Should be in town soon enough."

You rode together the remainder of the way in silence. Your mind races over how the last day has unfolded, the danger the beautiful stranger was putting himself in, and the feelings stirring up in you for him. A few hours ago you didn't know him. Now you wanted to protect him and save him from danger. Was there something else driving you? Something hidden deep inside that only this kind-hearted stranger was capable of revealing?

Your mind drifted off and before you realized it, you had arrived in town. It was early morning and the streets were quiet, save a few people starting their day. After tying the horse to a post outside of the inn, Mingi gathered his rifle and your pack then helped you to the inn. After booking a room for both of you, Mingi gently grabbed you by your arm.

"Let's take it easy today, stock up on supplies, and then board the train tomorrow. Better get some rest while we can."

You nodded. Mingi rubbed your arms as your eyes fell. "Don't worry, I'm not gonna do anything to you." His expression softened as your eyes opened and focused back on him. "Not unless you want me to."

You smiled lightly and followed Mingi upstairs to the room you both had booked. Mingi kept the rifle close to him while entering the room, scanning the area, double-checking the closet and any potential hiding places, and making sure the window was locked, before relaxing his shoulders.

"I could use a bath right now." You said as you stood next to the bed.

"My thoughts exactly." Mingi smiled lightly.

"You'd like to bathe too, I presume?" You asked him, turning to the cowboy who was removing his gloves.

"Only if it's alright with you. No worries, I'm fine to wait for another day." He rested his gun and belongings at the foot of his bed. "Wouldn't be very polite of me to invite myself. And I don't want you thinking less of me." Mingi sat on the edge of his bed and started taking his boots off.

You wanted a bath but also a partner to be with. Even after all those kisses on the road, he was still respecting you, and wanting to make sure you were comfortable with him. What a rare and wonderful man you had stumbled upon.

"Well...I'd rather like someone to...bathe with me..." The sentence slipped out as a shy request, barely above a whisper, but Mingi heard and immediately looked over his shoulder with a sweet grin.

"Is that so?"

You nodded timidly and brought your bottom lip in between your teeth as his gaze made your nerves fire up. Mingi smiled, biting his lips as well in thought and lust.

"Well alright, Darlin."

You watched Mingi cross the room and follow you to the door leading to the tub in the corner of the room. "Shall we?" Mingi gestured, his palm opening outward and he held his other palm and wrist to you.

Your hands grabbed onto his and he gave a soft reassuring squeeze before releasing a hand, opening the bathroom door, and letting you inside. The tub was large and sturdy-looking and would easily fit two people. Your back faced Mingi while you started to get undressed, as he slowly shut the bathroom door.

You kept your eyes forward, hearing Mingi undo his belt buckle, and let his gun holster drop to the floor. His shirt followed the rustle and whooshing of cloth hinted at what was happening. He stood behind you, pausing and waiting.

"You still want my help, darlin'? I'm not going to push you into doing something that makes you feel uncomfortable. If you'd rather me keep the rest of my clothes on, just say the word."

You turned with wide eyes, biting your lips at his naked chest and broad, sturdy shoulders. Mingi held a knowing, charming grin on his lips as he teased a single button open on his trousers.

"Yes." You breathed, hypnotized by the delicious sight of a gorgeous and almost nude Mingi. "Mingi...I..."

"Shh..." Mingi closed the distance between you and met your mouth, claiming your lips once again, his hand gripping your side firmly. You placed a hand over the larger, muscular one that rested upon your side. It felt incredibly soft and so strong. Your free hand started to play along the band of the loosening trousers. Mingi grunted lowly, moving your hand to slip inside the waistband of his trousers.

Your fingers gripped gently, a needy moan escaping him as you got a taste of his size.

"Fuck..." He muttered, pulling back and kissing along your neck. He groaned, then tugged your shirt up over your head and you pulled your hand back from his waist. He tossed the shirt to the side, a hand rubbing along the delicate curve of your hip and tugging down the waistband of the trousers you were wearing.

"You sure about this, Darlin?" Mingi whispered against the shell of your ear.

"Very sure." You muttered back as you kissed his neck.

Mingi hissed as your mouth sucked softly, his skin vibrating beneath the skin of his throat. He continued to lower your trouser hem, the palm of his hand skating over the naked skin of your thigh, leaving behind a trail of tingles in its wake. 

"Fuck, Darlin..." he breathed, eyes latching onto the sight of your naked hips. Your hands skated down his toned belly and played over his trousers once again.

"Lower.." he asked, his lips pecking your shoulder before nuzzling your cheek.

You complied, fingers brushing and kneading over the growing heat. Your hand pulled his length out, fingers brushing the smooth and hardened skin. Mingi released an exhale, as your thumb grazed the swollen tip of his cock, massaging the fluid that leaked from his throbbing tip.

"Christ..." He buried his nose in your hair, grunting. "We're not even in the bath yet. Fuck.. Y/N.."

"Mmm?" You teased lightly, still stroking the solid flesh gently and slowly.

He chuckled, the hand at your hip brushing gently over the juncture of your thighs, then dipping down to stroke your intimate entrance. You cried out, pressing your body tight to Mingi's while his lips attacked your throat, sucking at your collarbone.

He turned your body around, your back pressing against his front, and slowly steered you towards the waiting tub. Mingi took a seat in the steaming hot water, stretched his legs out, and carefully lifted you into his lap. You moaned at the feeling of Mingi's cock prodding your backside as he brought your hips closer to his own. Mingi growled lowly and purred as your behind settled into his lap, grinding down a little and humming at the hard, thick rod nudging your tailbone.

Mingi laughed through a moan and placed a chaste kiss on the back of your head before you felt his tongue playing with your skin. "Ready?"

"Yes." You muttered back in a gasp. "Mmmmmm..."

"No worries, Darling. You'll enjoy what I do to you." Mingi purred.

"Promise?" Your back arched in pleasure, his thumb dipping low and swiping against the delicate bundle of nerves nestled amongst the folds of your sensitive clit.

"Mmhm..." his finger slid around your inner folds, coating the digit, and he plunged inside, his lips sucking softly on your neck.

"Oooh god..." Your back arched, mouth agape, and hips bucking into the sweet feeling of Mingi's skilled hands pleasuring you.

Mingi hooked his chin on your shoulder and grinned, loving to see the effects his ministrations were causing you.

"Look at you, Darlin'." He gave a harder rub of his finger against that little nub hidden at the peak of your heat. He bit back a moan feeling you clench against his thick finger that was currently prodding your sweet wet center. He shuddered and your hips squirmed. Mingi lifted and lowered his fingers until both sank inside the hot core and massaged. Your back was arched, and a whimpered sob of utter bliss was loud and clear.

"Mingi..." The name came out breathlessly and your hands reached back to grip his forearms, the pads of your fingers gripping tightly as you turned and your eyes locked with Mingi's. Mingi pressed closer to you, lips trailing back up to the side of your neck, and claimed another hungry kiss. Your moans vibrated, Mingi growled in pleasure as he removed his fingers and snaked around you, turning you so that your legs ended up straddling his waist. Mingi sat back, the ends of his hair soaked, strands curling against the nape of his neck and temples as he watched you lower yourself on his cock.

"Just like that, beautiful. God, you feel fantastic." He muttered, reaching up to brush his lips back over yours. "How do you feel, darlin'? My size okay? Any pain? Need me to go softer or harder?"

You bit your lip, marveling at the sweetness the cowboy was treating you. Your insides squeezed, your muscles contracting and pulsating around him. A cuss of pleasure came from him as he slid up a little more, hands taking your waist, guiding you to lean back against his wet chest. The suds and bubbles moved away, exposing more of the heated contact to the cooler air.

Your nails scraped gently up Mingi's thighs and you sank further, feeling a slight resistance, but still feeling wonderful.

"Oh god, Mingi."

"I know, darlin'..." One hand rested on your hips under the water, the other cupping your breast and kneading, enjoying the warm mound beneath his palm. "Tell me, darlin'. How does this compare to your ex-husband? Be honest..." He breathed, burying his face into the back of your neck, kissing the hot skin.

"He never filled me like this...so good...so full...God..."

He ground his teeth a little, groaning through his teeth as he nipped your earlobe, keeping his eyes trained on your back and sides. You moaned, not caring how much noise you were making. Mingi leaned into you and stole another hungry kiss before whispering, "No worries, you can scream as loud as you like with me, darlin’. I'll take you harder and fill you even more."

"Yes, please. Fuck, Mingi...." Your breathless and heady voice caused Mingi's self-control to break. He thrust a little harder and gripped you tightly.

Mingi snaked an arm around the front of you, grabbing your wrist and pushing his weight to the back of you. With each thrust the water began to slosh, threatening to spill from the edges of the tub and onto the wooden floor. "Mingi-" 

The thrusts turned rough, yet there wasn't any pain. You reached out, searching and grabbing, anything, needing something to hold onto. Seeing what you needed, he repositioned you so that your breasts were now pressed against his chest. You wrapped your arms around his neck, rocking against him. You didn't care if the water had gotten everywhere by now. Your pussy throbbed and clutched. He felt so big and you were impossibly full with him, the way his thickness was lodged inside and caressed every inch of your walls.

"Is this all you need, darlin'?" He asked. His words came out short and clipped as he panted.

Your response was only a loud mewl.

His hands pressed tight against your back, keeping you close, and the arm hooked beneath your bottom increased its grip.

You bounced upon his lap, your movements jagged, unable to do anything more. All you could do was cling to Mingi.

"There, Darlin...such a good girl for me..." He mumbled through a moan. His voice was gruff and it made your skin prickle.

"More..." you moaned back.

"Yeah? I'mma need to move this elsewhere to give you more, Darlin'." Mingi spoke against your shoulder, peppering a kiss to soothe you. His cock felt so good inside you. "Don't worry, Darlin'. I'm not done with you, yet. We still have the bedroom, and I need to have you ride me." Mingi purred while his mouth searched your body.

A throaty chuckle erupted from Mingi as he heard your cries for him.

You yelped and whined, surprised as his arms maneuvered you, and lifted you right out of the tub. The world blurred around you, Mingi's wet flesh clinging to your own. A second later, you felt yourself land upon the cool sheets of the mattress. The fluffy bedding was a welcome feeling as Mingi's wet frame pressed to you, your lips reconnecting once more.

"We didn't wash up..." You let out a small moan of contentment against the warmth of Mingi's neck, the skin dewy and soft.

"Guess not, but I certainly enjoyed a bath with you nonetheless, Darlin’." Mingi purred against your shoulder, flipping to lay on his back and bring you on top of him. He spread your legs further and gripped your hips in both his palms as you slid down on him. "Damn...Y/N..."

"You said you wanted me to ride you, didn't you?" You smirked, settling back on him.

"Oh...that was one of the best ideas I've ever had...aight, show me what ya got..." He placed one hand on your waist while the other was laid above his head, his grin impossibly wide and goofy as his eyes met yours. "By all means, show me, darlin'."

Fuck, bathtub sex was good but being atop such a fine specimen like Mingi...this was even better...and a whole other level of sensual.

"Mingi...my god..." Your breath caught, eyes slamming shut and rolling into your skull as you sunk deeper and began riding him with more passion.

He cursed under his breath. "Fuck, your pussy is fucking perfect." He smiled, watching the view from under. Mingi was lying there, watching you move above him and he groaned.

"So hot...the way you are riding me...damn." He was straining with how good you were feeling. Your pussy squeezed around Mingi's thick cock, and your hand slid along his broad chest and down his sculpted torso. You trailed along his muscles, and Mingi watched you explore his body while you bounced atop his erection. He loved this.

"Look at you, Y/N.." Mingi smiled.

"So big.." you were stretched in a way you had never been before. "So full..." You whined, completely lost in him.

His hands wrapped tighter around your hips as he helped bounce you up and down his cock.

You continued riding the cowboy for a few more minutes. Mingi brought a hand up, running his thumb along the wet folds of your pussy and you whimpered, gasping when he started circling your clit. "Mingi.." his name came out louder, turning to a wail as you were right on the verge.

"Do it, cum all over me, let me feel it, I'm getting close. So close, darlin’." Mingi barked back, a growl emerging and his hands gripped hard as he pounded up and into you.

"Ooooh, yes!"

He sat up quickly, kissing you again as he thrust deeply until he could go no more, releasing. He jerked, pumping every last bit into you before easing down onto his back with an exhausted and spent laugh.

You collapsed over him and snuggled in closely.

"Wow."

"Yeah, wow." Mingi agreed and he looked down at you and your naked form, which was intertwined with his. You snuggled in closer and were amazed at his energy. "Better than with your ex-husband?"

You let out a laugh and you pulled his hands and wrapped them around your waist. Your hands ran across his skin and his face had an easy smile, those chocolate eyes softening. You pushed yourself closer to him, which he welcomed. "Most definitely."

"How would you feel if I stayed with you to protect you and ensure you arrived wherever you wanted to go? I promise to make sure you aren't in any trouble. That's if you would like the company."

A smile spread over your lips, and you nodded your approval. You'd love nothing more than the company of a handsome man with a good heart such as Mingi. He smiled in return placed a small kiss on the tip of your nose and held you tighter, drawing the covers of your bed over the both of you. You smiled a little as you looked at him. The night air filled with a beautiful silence. It was comfortable. Neither of you spoke, but eventually, Mingi whispered into the dark:

"Y'know what Darlin'? I reckon we can manage life together just fine."

You giggled and nodded. "I have a feeling you're right about that."

[sapphicwitch]

As part of this headcanon where Lilia is staying with Agatha and Rio, I have more.

• Lilia is doing a tarot reading for a client in the basement, and Agatha walks in naked like, “Don’t mind me, just doing some laundry!” Lilia and her customer can't stop looking. Lilia gets a big tip and a five-star review.

• Rio grows a Christmas tree from her hand and makes Agatha and Lilia decorate it with her.

• Lilia has a nightmare, so Rio invites her to come and sleep with her and Agatha so she can watch over them both.

• The trio drink tequila one night and end up having a threesome, which turns into a regular hookup.

• When Halloween comes around, they go all out for it — turning the house into a house of horrors, with special appearances from the road (thanks to Billy). Lilia enjoys giving out candy, Rio likes to eat candy, but Agatha prefers scaring the children.

• Rio gets into tattooing and inks the outline of the vampire bite on Lilia’s shoulder. Lilia thinks it is super cool! Agatha thinks it’s cheesy.

• Lilia likes to cook for Agatha and Rio, coming up with different dishes most nights to ensure her girls are fed. Sometimes, Sharon comes over and helps.

• Billy sets Lilia up on TikTok so she can do tarot readings to promote her business. Agatha's special naked appearances during some readings have boosted Lilia’s online reviews/ratings.

• Rio turns the yard into a farm and calls her goats Agnes and Third Nipple.

• Rio insists on having the coven over at least once a week, but Agatha prefers to host once a month. Mostly because she ends up scrapping with Jen or making an insensitive joke about killing them all if they piss her off. Lilia would happily see them all every day! They decide on two gatherings a month.

• Rio is a massive fan of Alice’s band and gets all the coven merch to wear when they go and watch her perform.

• Agatha becomes a private detective for fun but finds it pays well, Rio gets a job in the morgue (for obvious reasons), and Lilia drops her leggings side hustle as she's making more money through the TikTok creator fund.

[dandelionsresilience]

Good News - August 15-21

Like these weekly compilations? Tip me at $kaybarr1735 or check out my new(ly repurposed) Patreon!

1. Smart hives and dancing robot bees could boost sustainable beekeeping

“[Researchers] developed a digital comb—a thin circuit board equipped with various sensors around which bees build their combs. Several of these in each hive can then transmit data to researchers, providing real-time monitoring. [… Digital comb] can [also] be activated to heat up certain parts of a beehive […] to keep the bees warm during the winter[…. N]ot only have [honeybee] colonies reacted positively, but swarm intelligence responds to the temperature changes by reducing the bees' own heat production, helping them save energy.”

2. Babirusa pigs born at London Zoo for first time

“Thanks to their gnarly tusks […] and hairless bodies, the pigs are often called "rat pigs" or "demon pigs” in their native Indonesia[….] “[The piglets] are already looking really strong and have so much energy - scampering around their home and chasing each other - it’s a joy to watch. They’re quite easy to tell apart thanks to their individual hair styles - one has a head of fuzzy red hair, while its sibling has a tuft of dark brown hair.””

3. 6,000 sheep will soon be grazing on 10,000 acres of Texas solar fields

“The animals are more efficient than lawn mowers, since they can get into the nooks and crannies under panel arrays[….] Mowing is also more likely to kick up rocks or other debris, damaging panels that then must be repaired, adding to costs. Agrivoltaics projects involving sheep have been shown to improve the quality of the soil, since their manure is a natural fertilizer. […] Using sheep instead of mowers also cuts down on fossil fuel use, while allowing native plants to mature and bloom.”

4. Florida is building the world's largest environmental restoration project

“Florida is embarking on an ambitious ecological restoration project in the Everglades: building a reservoir large enough to secure the state's water supply. […] As well as protecting the drinking water of South Floridians, the reservoir is also intended to dramatically reduce the algae-causing discharges that have previously shut down beaches and caused mass fish die-offs.”

5. The Right to Repair Movement Continues to Accelerate

“Consumers can now demand that manufacturers repair products [including mobile phones….] The liability period for product defects is extended by 12 months after repair, incentivising repairs over replacements. [… M]anufacturers may need to redesign products for easier disassembly, repair, and durability. This could include adopting modular designs, standardizing parts, and developing diagnostic tools for assessing the health of a particular product. In the long run, this could ultimately bring down both manufacturing and repair costs.”

6. Federal Judge Rules Trans Teen Can Play Soccer Just In Time For Her To Attend First Practice

“Today, standing in front of a courtroom, attorneys for Parker Tirrell and Iris Turmelle, two transgender girls, won an emergency temporary restraining order allowing Tirrell to continue playing soccer with her friends. […] Tirrell joined her soccer team last year and received full support from her teammates, who, according to the filing, are her biggest source of emotional support and acceptance.”

7. Pilot study uses recycled glass to grow plants for salsa ingredients

“"We're trying to reduce landfill waste at the same time as growing edible vegetables," says Andrea Quezada, a chemistry graduate student[….] Early results suggest that the plants grown in recyclable glass have faster growth rates and retain more water compared to those grown in 100% traditional soil. [… T]he pots that included any amount of recyclable glass [also] didn't have any fungal growth.”

8. Feds announce funding push for ropeless fishing gear that spares rare whales

“Federal fishing managers are promoting the use of ropeless gear in the lobster and crab fishing industries because of the plight of North Atlantic right whales. […] Lobster fishing is typically performed with traps on the ocean bottom that are connected to the surface via a vertical line. In ropeless fishing methods, fishermen use systems such an inflatable lift bag that brings the trap to the surface.”

9. Solar farms can benefit nature and boost biodiversity. Here’s how

“[… M]anaging solar farms as wildflower meadows can benefit bumblebee foraging and nesting, while larger solar farms can increase pollinator densities in surrounding landscapes[….] Solar farms have been found to boost the diversity and abundance of certain plants, invertebrates and birds, compared to that on farmland, if solar panels are integrated with vegetation, even in urban areas.”

10. National Wildlife Federation Forms Tribal Advisory Council to Guide Conservation Initiatives, Partnerships

“The council will provide expertise and consultation related to respecting Indigenous Knowledges; wildlife and natural resources; Indian law and policy; Free, Prior and Informed Consent[… as well as] help ensure the Federation’s actions honor and respect the experiences and sovereignty of Indigenous partners.”

August 8-14 news here | (all credit for images and written material can be found at the source linked; I don’t claim credit for anything but curating.)

[monicascot]

First Trade | Gold Trade Focus: Major Trend Line Broken! Is the Inflation Trade Still On?

“First Trade” by ETO Markets is live🔥 If you’re not trading now, you definitely should start. 📢 If you have any questions on how to trade DM me the word TRADE to start a conversation.

[odinsblog]

THE POLICE ARE THE PROBLEM, NOT THE SOLUTION.

If a cop doesn’t already understand that it’s wrong to murder unarmed civilians for no good reason, they should not be law enforcement officers. There is no reforming this; no amount of “training” or “retraining” will fix this problem. Militarizing and arming the police more and more only makes them become more and more hostile to BIPOC. The police are killing us, even when we are innocent and unarmed.

The police are the problem, not the solution.

Tyre Nichols had his life stolen by a police system that routinely beats, harasses and kills innocent Black people.

The George Floyd protests were one of the longest sustained periods of protests in recent American history. And yet, each year afterwards police forces were rewarded with increased funding, and even more Black and Brown people have been murdered by the police every year since.

The police are the problem, not the solution.

The state has targeted, harassed and arrested leftist groups and Black Lives Matter protesters at a 300% greater rate, and data shows the police are three times more likely to use force against left wing protesters.

The police are the problem, not the solution.

The police deal with unarmed and peaceful BLM protesters far more violently than they do armed and violent January 6 rioters.

The police are the problem, not the solution.

“Tyre Nichols was a father. He loved skateboarding and photography. He had a tattoo of his mom on his arm. He worked at Fed Ex. He was 29. HE DID NOT DESERVE THIS!”

Let us try to remember Tyre as he lived, doing what he loved.

[ennovance]

The New York Fed has a model predicting the probability of a recession based on the level of the yield curve and the Fed’s model currently predicts a 71% chance of a #recession in the next 12 months

https://www.newyorkfed.org/research/capital_markets/ycfaq#/ #fed #investments #investor #RiskArb #valuation #interestrates #inflation #QE

[drdemonprince]

ive seen you talk about FIRE/mr money moustache and i am interested in how you balance that with your politics. i ask because i am also interested in FIRE but struggle with the idea of saving 2mil+ to retire early when people need money NOW to survive. not just broadly but even loved ones and community members in my immediate vicinity. i dont mean this in an EXPLAIN YOURSELF sort of way, just so many of the FIRE etc people i find writing about it dont really address this aspect and its something i struggle with internally myself.

Sure, I don't mind speaking about this at all. I wish I more frequently had the occasion to because it's a major special interest of mine.

First, I'm not interested in the saving 2 million dollars (if that were even feasible) school of financial independence/ retire early. I'm more of an adherent to the r/LeanFire, r/BaristaFire type approach of maintaining a consistently very frugal standard of living that is sustainable for me, on a relatively smaller savings, and pursuing a life of relatively little consumption.

I also think that MMM, despite his many flaws, is broadly accurate in stating that when people continuing working all their lives, they also create more ecological devastation by consuming a whole of a hell lot more resources on convenience and burning more fuel, while chasing after a steadily rising living standard set by the norms of their profession. By taking myself out of the workforce sooner rather than later, I will be contributing less to climate change and waste because I'll need fewer convenience meals, fewer car rides, fewer flights, fewer hotel rooms, fewer fancy professional clothes, and so on and so on.

I also spend a lot of time on the Socially Conscious Mustachians group on Facebook, which focuses on investing one's savings in ways that are less ethically problematic. The easy mode version of this is simply putting one's money into index funds that exclude oil companies, gun manufacturers, etc. But honestly, today, with interest rates being as high as they are? It's pretty easy to just sock one's money into a CD or a bond, collect the cool 5.4% interest, and avoid having to contribute to the stock market directly at all. There are even high-yield savings accounts at credit unions that pay out about that much interest these days, and those entities typically do not invest in oil pipelines, BDS targets, or anything all that objectionable.

As for the hoading money while others are in need piece: Well. yeah. that's a difficult ethical challenge that we all must consider. how much can i hold onto for my own wellbeing in the spirit of "putting on one's oxygen mask first" without it being wealth hoarding? how much should i give to other people when i see that they are in need --someone could easily make the case that I have the moral obligation to give away what i have to my very last cent, and I couldn't really argue with them on that. maybe a person should do that. but i'm not going to do it. and of course the effective altruism freakos would counter that if i invest my money and grow it now, i will have more to give to others in the long run than if i cash out now.

realistically, i won't be able to continue working for much longer without having another health episode or worse. i will not qualify for disability benefits because high maskers who have had careers usually do not. and social security's coffers will be entirely drained long before i reach the age to qualify for it. if i enter my non-working years without any resources, someone else will have to worry about me staying housed and medicated and fed.

i tend to think of my retire early stash as my own little private disability benefits fund that will allow me to live safely and will hopefully allow me to take care of other people that i love as we age, and that will give me the freedom from having to do any morally compromising capitalist labor ever again, and only put my energies towards causes that either fulfill me or benefit others.

but it's still rooted in a highly individualistic capitalist system, this holding onto money under my own name and investing it thing. im sure a lot of people would choose instead to sock all of their money into some kind of cooperatively owned communist farm or something, and you know, some day down the line i would love to put money toward a big multi unit building that lots of people i am in community with could live in, with no financial obligations for them. but i dont have anywhere near that kind of scratch. as hannibal buress (that landlord piece of shit) said, "i don't have fuck you money, i have strongly worded email money." and you know, being able to write a strongly worded email to people who would otherwise be exploiting me into another huge burnout does feel good.

thinking that one day i might not work anymore is one of the only things that keeps me going. i am always on the razor's edge of not functioning, i dont think people really realize that, how could they, the mask is there to prevent them seeing it. im beyond privileged to even get to CONSIDER the dream of getting by on my savings for however long human society continues to exist. and it sure would be better if i could extend that kind of freedom and peace of mind to others. my life still feels very precarious and it always has and ive had to be stable for the sake of others for a long time, ive had to be financially responsible for others for a long time. i cling to the idea of FI/RE because it offers me a way to finally break down and be weak. but something more community oriented and interdependent would sure as fuck be better. in the meantime i guess im saving for something like that i could trust enough to give myself over to.

i also have a really strong fetishistic desire to be someone's completely brainwashed sex pet for the entire rest of my life, and having an early retirement account would really help me facilitate that

[dostoyevsky-official]

On rates specifically, Trump could jawbone Jerome Powell like he did during his last administration. And there’s a good chance that he will replace him at some point. But even then this doesn’t automatically solve anything. If you take mainstream economic thinking seriously, and the Fed moves to aggressively lower interest rates to align itself with the administration, then this theoretically is inflationary, and then you just move the challenge elsewhere. A lot of the uncertainty hovering in the bond market is being priced into the term premium, roughly defined as the extra compensation investors demand to hold longer-term bonds. There’s a popular idea out there that the industrial policy of the Biden administration was a political failure. Efforts to reshore or revitalize domestic manufacturing didn’t change the Democrats’ fortunes among working class voters or deliver the Rust Belt states. On the other hand, it’s a little bit unclear how much this was the intent. A big part of the motivation for the IRA was climate-specific, and a lot new factories are in ‘red’ areas, in part to ensure GOP support for them after the changing of the administration. Furthermore, there’s a big China-hawk element among the Democrats’ ‘post-neoliberal’ base, which is in large part motivated by technological and industrial competition. [...] A bunch of stuff has been moving alongside Trump’s chances of winning (things like Bitcoin, DJT, and the dollar index), but one thing that’s kind of flown under the radar has been the move in perpetual preferreds issued by Fannie Mae and Freddie Mac, a.k.a the GSE ‘zombie’ stocks. The bet here is that Trump could release Fannie Mae and Freddie Mac from conservatorship, which would mean they could theoretically pay out dividends to preferred investors once again. And finally, people love to talk about so-called “bond market vigilantes” but stock market vigilantes also exist. According to Gallup, 61% of American households own stocks. Stocks are how people fund retirements, college education, and so forth. You could argue that — with the gutting of defined benefit pension plans — a rising stock market is an implicit part of America’s social contract. And so when you think about policy adventurism — such as aggressive tariffs — it might be useful to think about how that would go down in equity world, and the effect that that would have on voting households.​