#financing for mobile homes

[investingdrone]

How to Meet Conventional Loan Home Condition Requirements?

Found your dream home? Congratulations! But before you pop the champagne, there are a few hurdles to clear, especially if you’re financing with a conventional loan. Unlike Government-backed loans, conventional loans don’t have super strict requirements for the house itself. That might sound like good news, but it also means understanding what kind of condition your future home needs to be in to…

[jexistheblogger]

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[probablyasocialecologist]

All the takes are correct and yet they also miss the point. Yes, it was insane for the Democrats to think they could win by running a soulless candidate, without a shred of progressive policy vision, pursuing endorsements from neocon war-hawks everybody hates, while arming and funding a genocide, and belittling and crushing those who have enough morality to protest it. It is enraging that the Democrats are so smug and blind to this. But these are all just symptoms. The deeper reality is that liberalism has failed, liberalism is dead, and people urgently need to wake up to this fact and respond accordingly. It is a defunct ideology that cannot offer any meaningful solutions to our social and ecological crises and it must be abandoned. Democrats have proven over and over again that they cannot accept even basic steps like public healthcare, affordable housing, and a public job guarantee - things that would dramatically improve the material, social and political conditions of the working classes. And they cannot accept a public finance strategy that would steer production away from fossil fuels and toward green transition to give us a shot at a liveable future. Why? Because these things run against the objectives of capital accumulation. And for liberals capital is sacrosanct. They will do whatever it takes to ensure elite accumulation, it is their only consistent commitment. At home, they suppress and demonize progressive and socialist tendencies. Abroad, they engage in endless wars and violence to suppress input prices in the global South and prevent any possibility of sovereign economic development. The Democrats have done all this purposefully and knowingly, for my whole life, not as some kind of "mistake" but in full consciousness that it is in the interests of capital. And because liberalism cannot address our crises, and because it crushes socialist alternatives, it inevitably paves the way for right-wing populism. They know this pattern, and yet they risk it every time - this election being only the most recent example. They did it in 2016, when they actively crushed the Sanders campaign and sent Trump to the White House. They do it because ultimately they (and I mean the liberal ruling class here) don't really mind if fascists take power, so long as the latter too ensure the conditions for capital accumulation. They 100% prefer this to the possibility of a socialist alternative. So, progressives have to face reality. The dream of "converting" the Democratic party is dead. This is now a fact and it must be accepted. The only option is to build a mass-based movement that can reclaim the working classes and mobilize a political vehicle that can integrate disparate progressive struggles into a unified and formidable political force and achieve substantive transformation. This will take real work, actual organizing, but it must be done and that process must begin now.

Jason Hickel

[owner-finance-home4you]

Owner Finance 3br, 2ba mobile home on own land-nice property to own$$$

[beingjellybeans]

No More Breaking the Bank: Experience iPhone 11 with Home Credit’s 0% Interest Promo

In today’s digital age, our smartphones have become more than just devices; they’re our lifelines. From morning to night, they keep us connected, informed, and entertained. When it comes to choosing a smartphone, reliability and performance are key, and Apple’s iPhone lineup has consistently delivered on these fronts. But the burning question is, how can you get your hands on an iPhone without…

[cashloanscanadainc]

If you're in the market for a mobile home in Canada, we've got great news! Our financing options make it easier than ever to make your dream of owning a home a reality. Don't let financial barriers hold you back - contact us today to learn more about our affordable and flexible mobile home financing solutions. 

[lsfinancebroking]

Find The Best & Most Suitable Investment Property Loans Melbourne

Whether you want to invest in your first home or expand your portfolio, LS Finance Broking can help. Property investment mortgages can sometimes be trickier than traditional home loans. Still, with our knowledge and experience, we are here to help you navigate the process. Our team of mortgage brokers is ready to assist you with your investment property finance needs. We are a team of experienced mortgage brokers who specialize in investment property finance and have extensive knowledge of the industry. We aim to provide you with the best possible advice, whether you are purchasing your first investment property or looking to refinance an existing one. Contact us for more details about Investment Property Loans Melbourne.

[procarpetcaretx]

How to Make Money Buying and Selling Tiny Homes

Are you interested in making money by buying and selling tiny homes? With the growing popularity of tiny homes, it’s a great time to get involved in this niche market. In this blog post, we’ll explore some tips on how to make a profit from buying and selling tiny homes. Know the Market Before you invest in a tiny home, it’s important to do your research and understand the market. Look at the…

[cosmicpuzzle]

What is your Career like?👩🏻‍💻💼💰💸

The 10th ruler in your chart can indicate your career but it is not the only factor. However, the house placement of 10th lord/ruler can indicate at times the type of career you desire and also can indicate your job literally.

1st House : You will do well in careers which gives you a certain amount of independence. You can be an entrepreneur or a boss or a team leader. Authority and power are essential for you.

2nd House : You will do well in careers which pays you well. You can be good with numbers, finances and any responsible/routine job. Careers that depend on your appearance like modelling are good. Your job would need a good self esteem and self worth.

3rd House: You will do well in careers that involve mobility, communication, writing such as YouTube. Freedom of expression, and movement is important to you. You should be able to experiment as you wish. Change of careers as times change

4th House: You will do well in careers that gives you emotional satisfaction such as nursing, psychology. making an impact on people’s lives is important to you. Working from home can be good.

5th House: You will do well in careers that allow your self expression such as art, acting . Careers connected to children and transfer of knowledge are good. A career in which you are a genius and unique such as music, painting, investor.

6th House : You will do well in careers that allow you to maintain order such as backend work. Routine and a stable job is important to you. You may also do well in health , healing and animal careers.

7th House : You will do well in careers that allow you to exchange things whether product or service. You will do will in public careers like politics. Business is good as well as client based careers. You will do well in careers that allow you to work with another person.

8th House : You will do well in careers that allow you to research things like a biomedical or chemical engineer. Careers in digging like oil petroleum or digging another’s finances as auditing, insurance are good. Investigation and finding secrets. Psychology, medicine , surgery are good choices.

9th House : You will do well in careers that allow you to reach a wider audience around the globe such as publishing books, writing, online teaching, academia. A sense of meaning and purpose is important in your job.

10th House: You will do well in careers that allow you to be skilled and efficient in what you do. A generally good position for executive and managerial jobs or Government routine jobs

11th House: You will do well in careers that allow you to build your network such as social media manager, politics, businesses, digital marketing etc.

12th House : You will do well in careers that heal people and raise their consciousness. Careers in spirituality, metaphysics, non-profit work would be good for you. You need freedom and a flexible schedule.

For Readings DM

[ivystoryweaver]

Day 11: I Never Knew (Marc, Jake, Steven)

Summary: You meet up with all 3 Moon Boys one fateful night

Notes: gn!reader, angst, violence, fluff, protective Moon Boys being the absolute best TW: abuse. This story starts with an abusive boyfriend.

Word Count: 4.8k

Angstember Prompt Post

Your boyfriend of two years had tested the last of your patience. At first you loved his passionate hotheadedness. You quickly fell for him and moved in together six months later. It was lovely at first, to have someone fun and spontaneous, to sleep next to a warm, protective body at night.

After about a year together, you realized something wasn't right. Your boyfriend kept odd hours, whispered hushed conversations over the phone, made "quick stops" at the oddest hours to the shadiest places.

And that hotheaded passion sizzled into blame and resentment every time you tried to reason with him. He was always quick to apologize, to bring you flowers, or a gift, to take you out for the night, lavishing you with attention and intense, vigorous sex.

So you gave him the benefit of the doubt. He was trying, and every couple had their struggles.

But the fuse of his temper got shorter, and his actions, more suspect. He lost his regular job but somehow still brought home money. When you questioned him, he accused you of not trusting him. Something felt wrong, you knew it deep in your bones, but you told yourself that relationships take work and compromise.

It was just last week that you demanded to know why he was out all night - who he was with and where they went. He'd raised his voice before, on occasion, but that early morning was different. He roared out accusations, lunging at you, and continued yelling and screaming over your cowered body. He didn't touch you, but his words beat you down, literally to the ground, where he left you afraid, sobbing and alone.

That's what it took to make you realize he was abusive. Clearly, he was now verbally abusive, but you started to understand that he had been manipulative, dishonest and controlling the entire time, lying about finances and whereabouts.

He had abused you in almost every way, except physically. You knew it was time to leave, so you started to plan how you would secure yourself a place to stay and what to tell him.

Your phone rang as you finished packing your suitcase - the first of many things you needed to move out. Not recognizing the number, you ignored the call. But it rang again and again and again, with a voicemail that warned you to answer. You blocked the number and tried to frantically dial emergency when your boyfriend burst through the front door, enraged.

Barreling into your bedroom, he roared at you, demanding to know what you did with "the money". Apparently, the phone call was from his boss, calling to collect.

"You mean my money? From my job?" You challenged, shrugging him off and zipping your suitcase closed.

Jerking the luggage out of your hand, he screamed at you about how he needed that money for his boss, how he'd taken care of you all this time, and you owed him.

"You're gonna give me that fuckin' money," he spat, lunging toward you, but you were already running out the door with only your phone in your hand. You thankfully made it into the lift with the doors closed before he caught up, and you could only pray he wouldn't make it down the several floors of stairs and beat you to the lobby.

There was no one downstairs to help you, so you raced out the door into the night, frantically attempting to dial 999 while crying and trying to stay ahead of your insane boyfriend.

You ran as fast as you could, but he was bigger and stronger, and he was gaining on you. Attempting to cut through an alley, your lungs burned, painfully dragging in breath as you pushed yourself toward safety.

But he found you.

Your mobile clattered to the ground as he grabbed both your arms and shoved you hard against a brick wall, calling you all manner of vile names and demanding you give him the money from your account.

Noticing your phone, he twisted your wrist well beyond the point of pain. "You didn't call anyone, did you, bitch? If you get the police involved I'll fucking kill you."

You had already drained your joint account and put money in your personal savings account so that you could afford a deposit on a new place, at least get a moving truck and hook up some utilities. You didn't take any more money than you had made from your job at the museum.

"I owe my boss money and I need it right fucking now," he bellowed, wrapping one hand around your throat and squeezing. “Tell me where it is.”

Unbelievable that it took you til right now to realize your boyfriend was more than an asshole, he was apparently a criminal. Or at least his boss might be if he was demanding a midnight payoff "or else".

"I moved... the money," you gasped, completely out of breath from the running and the crying and the choking and the fear.

He gripped your shoulders and slammed you hard against the wall. "We're going to get it right now. Then we're going home and you're gonna get on your hands and knees and pay for all this shit you put me through."

You whimpered, trembling at his threats, disgusted that his eyes flashed with self-satisfaction. He slipped two fingers into your mouth, pushing them far enough to gag you, an evil chuckle making you cry harder.

"Oh yeah. We're gonna have fun tonight, baby."

"I don't think she wants to be your 'baby', shithead."

You gasped as two eerie, white gloved hands grabbed your boyfriend's head and slammed it against the wall, hard enough to knock him out cold, but not enough to bash his skull in. Unfortunately.

Through your tears, you saw an etherial mummy figure, bandaged and gauzey white, with haunting, moonlit eyes. Your body quaked with more terror than you'd ever known. Perhaps he was the boss your boyfriend was so afraid of.

You passed out in Moon Knight’s arms.

"Shit," Marc Spector hissed, lifting your limp body into a protective embrace. He'd heard your screaming blocks away. Khonshu had directed him to the asshole passed out on the pavement next to you, letting Marc know he was a small player in an elaborate criminal organization. It would keep him busy tonight.

Brushing your hair out of your eyes, he sighed. "Didn't mean to scare you." He decided to take you to A&E, but before he walked away, he kicked your unconscious boyfriend in the side for good measure.

You woke up on a hospital bed, alone, a long while later. It appeared you had been triaged but not admitted. Remembering your boyfriend's threats, you decided you better bail before the police questioned you or you found yourself responsible for medial bills you couldn't pay.

You were scraped and sore, but nothing seemed permanent, so you did your best to sneak back to the waiting room where you could blend in with other would-be patients. One nurse seemed to glance at you questioningly, but you managed to make it out the sliding glass doors and into the night.

Now what could you do? You had no money, no phone, no purse, no bank card, credit cards or cash. Your suitcase was back at your flat. Ambling around the side of the building, you shivered in the night air, realizing even your jacket was still in the building.

Tears burned your eyes but you couldn't give into them. Not now. Your best friend was out of town. It was a long weekend for your co-workers, at least in the office part of the museum. Your parents lived in another country.

Think, think.

A few minutes later, an old fashioned cab pulled up to the curb. The passenger side window lowered revealing a man with a flat cap and a mustache.

"Need a ride, señorita?"

Drawing your hands to your chest protectively, you quickly shook your head. "I-I don't have any money. I dropped my phone."

Shit. Why did you admit that to a stranger?

Jake Lockley nodded understandingly. He had been watching the hospital to make sure you had a ride, should you emerge. Marc's idea, after he did a little late night ass kicking. Marc knew the Moon Knight suit would frighten you, but he wanted to make sure you were okay. A cab ride might seem less intimidating.

"It's on me. You look like you could use a little help."

Tempting. But he probably worked for your boyfriend's boss. "No. No thank you. I'm fine."

"Understood. Be careful out there." He rolled up the window almost all the way before pausing. "I'll swing back by in a while, just in case you change your mind." He drove off without another word.

If he was aiming to hurt you or kidnap you, surely he could have forced you into the car, or worked harder to convince you it was safe to get into the car.

Weighing your options, you decided to try to walk back to the alley where the terrifying white-suited, Avenger-looking dude saved you. Hopefully your boyfriend would be gone and you could at least find your phone. From there, you would have a way to call a cab or the police or at least use money from your account.

As soon as you started walking, you realized how stupid this plan was. But what else could you do? It took you forever, but you finally found your way back to where you were attacked. Your boyfriend was indeed gone and after a maddening search, you found your phone with a cracked screen and 12% battery left.

Better than nothing. You thought you might order an Uber, but where could you go? Not home. Where?

Maybe to work. Someone there would help you, surely. Perhaps Steven from the gift shop - probably the kindest person you'd ever met. He lived in your building too, although you weren't sure in which flat.

You ordered the Uber, and ten minutes later, the same old fashioned cab pulled up to the curb. Your stomach flip-flopped, wondering if this mustached weirdo followed you. But he showed you the Uber confirmation and it was correct.

"But this is a cab," you reasoned.

He chuckled. "They don't make ‘em like this anymore, doll. This is my Uber car."

You tried to listen to your protective instincts, but the sun was rising. You'd been out all night and he was a legitimate driver. So you tucked yourself in the back seat.

The man tipped his hat, announced his name was Jake, and closed the door for you.

"Headed home?" He asked, glancing up at you in his rearview mirror.

"Uh no. No, I can't go home," you quickly answered, wrapping your arms around yourself and rubbing up and down with your hands.

"Got the heat on for you," he kindly offered, "and my jacket's laying across the back seat there, if you need it."

Your eyes cut over to the tempting leather. Without thinking about it too hard, you snatched the garment and pulled it around your trembling shoulders. The smell of not only leather but crisp freshness and earthy warmth, along with something like amber and oak, washed over you. You buried your nose in the comfort of it, grateful for this small mercy.

"Warming up?" He asked you after a quiet few minutes.

"Yes, thank you. You're very kind."

"My pleasure," he grinned in the rearview mirror and it made his eyes crinkle. Steven, from the museum, came to mind. His eyes did that too. "Where can I drop you? Have you decided yet or should I drive around for a while?"

"Oh god, sorry. One sec." Checking the time on your phone, you realized you'd been out practically all night, and the museum would open in a little more than an hour. You could wait outside. "The natural history museum, please."

"A little early for a trip through time. You sure?"

Just then, your stomach growled embarrassingly loudly.

"You ever eat at the bakery right down the street?"

"Um, sometimes." You fidgeted uncomfortably.

"No pressure. You just look like you could use something warm to drink."

Without another word, Jake pulled up to the museum's front entrance. You reached for the door handle, but stopped. "Actually...you're right. Could you drive me to the bakery? I'll just walk back to the museum when I'm done."

"As you wish."

A few minutes later, the old cab parked outside one of the only open restaurants at this hour. Jake rushed around to open the door for you and you quickly handed him his jacket.

"You can wear it if you're cold. No rush."

There was something warm and sincere in his eyes. Again your mind drifted to Steven.

"Thank you." As the two of you walked inside, you held up your phone. "I tried to pay for the Uber and leave you a tip, but it won't let me. Did the transaction get cancelled or something?"

"I told you," Jake reminded you, pulling open the bakery door, "My treat."

"Oh. Thank you. You didn't have to do that."

The two of you sat down and were quickly served glasses of water.

"At least let me pay for breakfast," you offered, but he laughed.

"They only take cash here, I think."

"Jake!" An older man bellowed, bustling up to the table with a karafe of piping hot coffee and two mugs. "We take more than cash. You can always wash the dishes."

The man winked down at you. "I'm teasing, sweetheart. Name's Burt. Janey got one of those Square things, so you can pay on your mobile if you do that kind of thing." He nodded at Jake. "But I'd make this one pay if I were you. Coffee or tea?"

You chuckled, happy to get your hands on a steaming mug of coffee, and slightly relieved that you wouldn't fall further into Jake's debt.

Soon enough, you filled your belly with a warm, flaky pastry and some eggs, polishing off two cups of coffee while you and Jake talked.

"Do you mind if I ask why you're going to the museum?" Jake inquired.

"Um...I work there," you slowly admitted.

"Oh." An unreadable expression clouded his handsome features. "But...I found you at the hospital last night. Are you hurt?"

Your eyes dipped in shame.

"Not trying to be nosy, just...concerned, is all." Gently reaching across the table, he pulled a leaf from your hair. An actual leaf.

You were mortified.

"Wanna freshen up before work?" He nodded toward the washroom.

"Yeah. Thanks." You made a beeline for the loo, wondering why you hadn't thought to put yourself together before walking into the museum like a crazy person.

Jake was right to be concerned. You looked like hell. Dark circles had formed under your eyes. Before you could continue silently berating yourself, the waitress named Janey quietly slipped through the swinging door.

"You okay, dear?" She softly asked, eyeing you in the mirror. Before you could answer, she handed you a clean cloth.

"Thank you," you whispered, gingerly taking the cloth and running it under the faucet. The kindness around you made you sniffle, and you were left wondering why you spent so much time on an asshole like your boyfriend.

"Rough night?" She waved her hand dismissively. "Don't want to pry. Just want to help."

"Thanks," you repeated. "Do you have a toothbrush for sale? Or...mints?"

Between you and Janey, you managed to clean up your mouth, wipe down the upper part of your body and manage to tame your hair.

"You come back by any time, dear," she said lowly as you walked back toward your table, but she reached out her arm to stop you. "I mean it. Anytime."

You nodded, reaching for your phone so you could pay for your meal. "On the house, sweetheart," Burt smiled down at you. "A friend of Jake's is a friend of mine."

You were speechless. Where had all the nice people been hiding?

Jake's eyes lit up when he saw you and he rose to greet you. "Feeling any better?"

You nodded, reaching for one more sip of water before you got back in the cab/Uber.

"Your friends are really nice. I haven't eaten there in a long time."

"We try to help each other out," Jake voiced, stealing a glance at you in the rearview mirror. "It can be rough out there."

You made it to the museum, thankful it would open soon. "You sure I can't pay you, or at least give you a good tip?" You asked him as he opened your door and offered you his gloved hand like a prince in a fairy tale.

"Just promise you'll call me if you need a ride. Or...anything. We'll call it even." He fidgeted with his mustache and you chuckled. Not a look you saw every day but he wore it well.

You thanked him again, but he noticed you stealing glances at his mustache.

"My uh...roomates think this thing is the worst. Not a good look?"

"Oh no," you laughed, "it's very dashing."

Jake bowed jokingly. "My lady."

You walked right into the museum wearing his jacket.

The security officer didn't recognize you because he worked weekends and you didn't. Probably a good thing. You could only hope Steven was scheduled today. But at least being inside the museum would give you a safe, comfortable place to think.

After meandering through several exhibits, you checked back at the gift shop, only to find Donna, Steven's boss, berating him for being late. He apologized profusely, professing that he had no idea why he hadn't heard his alarm. Poor thing. He was so sweet and Donna was just the worst.

She finally let him get to work, and as soon as she headed back to her office, you approached him carefully.

"Hi, Steven," you smiled at him, hoping he would have time to help you.

His eyes brightened when he saw you, but quickly narrowed in concern. You must really look like hell. "You alright, love?"

Bouncing on your toes, you shook your head quickly. "Not really. Can we talk?"

Steven knew he would get in trouble for leaving his post, but this was you. If you needed his help, Donna would have to wait.

Sure enough, she barreled back into the gift shop, ready for a lecture, but Steven pressed his hands together and demanded one more minute.

Guiding you by the elbow, he took you to a quiet corner. "Thought you had a long weekend. What brings you in?"

You asked if there might be any way you could talk in private, in one of the employee lounges. "I know you just got here. I can wait."

Chewing on his lip, he glanced between you and the swinging door where Donna lurked in her evil lair.

"Come on."

Once you were totally alone, he hesitantly reached for your face. “May I?” He whispered, gingerly brushing his fingertips over a scrape on your face. Peering down at your bruised wrist, he gently lifted your hand, shaking his head and exhaling sharply through his nose.

"You're hurt." His eyes locked with yours. "Who did this?"

Your face crumpled and you melted into his arms, the stress of the entire, sleepless night catching up to you. You knew this was the place to go, absolutely certain you would feel safe with Steven.

His heart burned protectively. The two of you sometimes ran into one another on your break, mostly out on the museum's front steps or at the vegan restaurant along the street. Occasionally you saw one another on the train home, or even in your building. He knew you had a boyfriend - the dimwitted bloke.

If that asshole hurt you...

"It's alright. You're safe here." He squeezed you comfortingly.

You finally settled, wiping your nose and eyes with Jake's jacket sleeve. Steven's eyes went wide as he studied the jacket carefully, but he shook his head and focused on you.

"Tell me what happened. What can I do?"

The softest brown eyed gaze you'd ever seen coaxed your confession out of you.

"I need your help," you whispered. "I need to get back into our building, but I don't have my key, or any of my stuff." You produced your phone. "And my phone is dead."

"Okay, of course," he nodded sincerely. "What about your boyfriend?"

"No, no, not him. I think he wants to kill me." You started to cry again.

"To k-kill you? Should we go to the police?"

"No, no police. I just need to get into my flat before my boyfriend gets back. If he's not back already."

Steven sighed. "I knew that dimwitted bloke was an asshole, but - kill you?"

"Steven, please can you help me or not?"

"Of course I will. Do you want to go now?"

"I don't want to get you in trouble with Donna. But my boss is her boss' boss...if that helps. I’ll ask him to pull rank.”

You and Steven took the train back to your building. Although you were half tempted to request Jake's Uber, Steven quickly dismissed that notion without sounding rude.

He let you in the building and you found the super, letting him know you "lost" your key. The super seemed willing to let you in, but warned you not to let it happen again.

As you exited the lift, you carefully looked for any sign of your boyfriend.

"What if he's home?" Steven whispered. "How will you know?

"I guess we just have to take that chance."

The super unlocked your door and you tiptoed inside with Steven behind you. The place seemed to be empty, thank god.

Darting to your bedroom, you recovered the packed luggage your jerk boyfriend tossed aside last night. You rushed to your safe to collect some important documents, working as quickly as you could manage. You made it out the door, not caring that you left it unlocked, dragging your luggage and almost making it around the corner when your heart stopped at the sound of your boyfriend shouting, "Hey!"

You and Steven exchanged looks before he grabbed your hand and your luggage. "Quickly! The stairs."

Trusting his lead, you ran, making your way to his flat, several floors up, before your boyfriend could follow, or figure out what floor you ended up on.

Steven ushered you into his flat, bolting the door as the two of you panted erratically from your exertion.

"Thank you," you gasped, reaching for your baggage. Finally getting a good look around, you couldn't believe how different Steven's flat looked from yours. His was on the top floor, in what appeared to be a loft, or converted old attic. The roof was steeply pitched with skylights offering more natural light than just the windows.

More than a dozen bookshelves burst with multicolored, worn paperbacks and gorgeous hardbacks. Ancient Egyptian artifacts, maps and souvenirs littered his cluttered desk and shelves. And in the middle of it all sat a bright aquarium with three plump goldfish.

You felt as if you stepped through a portal into another world. How could this place be in your building?

"Steven, your place is..."

"Bit of a mess, yeah? Sorry. Who's the biggest hoarder around? Me." He blushed, pointing to himself.

"No, it's wonderful. It's so different than my flat. It's like an old library."

He smiled, emboldened by your compliment. "You like to read?"

"Not this much, but yes. I do. I like the skylights." You locked eyes with him. "It's really soothing here." Reaching for his arm, you squeezed gently. "Thank you for helping me."

"Anytime." The crinkles around his warm eyes reminded you of Jake. It occured to you then, that Jake had also reminded you of Steven.

"Cuppa tea?" He asked, nodding toward the kitchen.

"Sure," you shrugged, following him. "I'll help."

The two of you worked quietly for a moment, when you asked him if he had a brother.

He swallowed hard. "I did...long time ago. He passed away."

"Oh shit, I'm so sorry, Steven." God, what an idiot you were. "I just...you reminded me of someone and I just thought, maybe... I'm really sorry."

"'Salright. You didn't know."

The two of you prepped the tea, boiling the kettle before steeping the leaves.

"This is his jacket, actually," you finally continued. "I forgot to give it back to him after he gave me a cab ride. Or...Uber, actually. He uses a vintage cab as his Uber car."

Steven almost dropped the cup and saucer he was holding. "That so?"

"Yeah, he helped me last night. Like I said, I forgot to give him back his jacket. He was kind, and when he smiled...he reminded me of you."

"O-of me?" Steven cleared his throat.

"Yeah." You shrugged. "Anyway, I'm sorry about the brother thing, but I just wondered. He had like this 1980s mustache though."

Steven, who had just brought a sip of tea to his lips spat it right back into his teacup, coughing a few times. "You're not serious. A silly little tache?"

You giggled. "Yes. I told him it was dashing. He wore it well. But he reminded me of you somehow. American lad though. Thick accent."

"Mmm," Steven nodded, cleaning up the mess he'd made. "I'm happy Jake was able to help you."

Your eyes went wide. "I didn't tell you his name."

Steven's mouth dropped open. "Right. I actually know him. Flat cap? Mustache?" He pointed at you. "Leather jacket, cab?"

"Oh," you gasped, smiling. "Don't you think you guys could be related?"

Pressing his lips together, Steven answered diplomatically. "Never really thought about it exactly like that, but...yes, I suppose so."

He paused for a moment before growing more serious. "So what's going on with your boyfriend? Or, ex-boyfriend, I hope."

"Yes, definitely," you assured him, attempting to explain what you'd gone through lately and how you suspected your boyfriend of working for a crime boss of some sort.

"As much as I love this flat, I'm even scared for you to live in this shit hole building with him, Steven. I think he's really dangerous."

As if waiting for his cue, your boyfriend pounded on Steven's front door, demanding, in foul language, to be let in.

"Do not open that," you warned him, but it was too late. His hunched shoulders squared up, chiseled jaw clenching. A deep wrinkle appeared between dark eyebrows as the typical twinkle in his eye went cold.

"Steven, no, don't!" You watched in horror as he yanked open the door, grabbed your boyfriend by the collar and dragged him inside. Kicking the door shut with one foot, he slammed the taller man against the wall, nostrils flaring as his eyes flashed.

Your boyfriend shouted an insulting protest, but with one, precise jab to his throat, he was rendered speechless and left gasping for air.

"Listen to me, asshole," Steven spat, but his voice sounded entirely different. It came out as a growl. And...American.

It couldn't be. Jake? But it didn't sound like him either.

"You're never touching anyone again," he went on, menacingly. “You're never coming back here again. You're moving out. Right now." He pointed to you with one hand. "Lose their number."

Your boyfriend raged, struggling against Steven's powerful, one-handed grip, but he still couldn't speak.

"You think your boss will protect you?" He taunted. "Your boss is a pussy. He's already dead. And you're next." Roughly releasing him, he motioned him out the door condescendingly. "Better run."

With a hopeless glance your way, he was gone.

Steven's head dropped as he waited for your reaction.

You finally whispered his name, inching closer. "Are you American? I don't understand."

Finally meeting your eyes, he answered, "I'm Marc. I'll let Steven explain."

Shoulders hunched and hands drawn to his chest, Steven came back to you, fidgeting uncertainly. "Bit of a long story. Want that tea now?"

Then he explained how you'd spent the entire night with one man, occasionally fielding questions like, "wait, you're the white mummy man?" And, "wait...you're Jake?"

Steven laughed sheepishly. "In a manner of speaking."

"Oh good, I can give you your jacket back. Wait - where's your mustache?"

The thought of Jake wearing a fake mustache was so hilariously endearing to you.

Steven let you take a nap on his couch and use his washroom to freshen up. Later, he ordered takeaway for an early supper. The two of you talked, trying to come up with plan to help you move on with your life.

"I know this is weird to say at a time like this, but...I've always had a little bit of a crush on you."

"On me?" Steven almost choked on his food. "I never knew."

"It's stupid, really. Just ignore me."

"Not at all. But can I ask you a question? Why did you stay with that plonker?"

You shrugged helplessly, shaking your head. "I guess I never knew there was anything better."

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[theambitiouswoman]

I love money and money loves me.

How to change your relationship with money:

Reframe the story you tell yourself: Work on establishing an abundance mindset. Look at your current beliefs and attitude about money. Do you have a scarcity mindset? Are you constantly chasing money and not believing you can reach your financial goals? Do you think money is bad?

Establish a positive mindset: Focus on gratitude for what you already have and embrace the belief that there are endless opportunities to become financially successful. Practice affirmations or visualization exercises to reinforce positive thoughts and attract abundance.

Educate yourself: Expand your financial literacy by reading books, watching videos, going to seminars or taking online courses on personal finance and money management. Understanding concepts like budgeting, investing, and saving will help you make informed decisions and take control of your finances.

Create a clear plan: Define specific and realistic financial goals for yourself. Whether it's paying off debt, saving for a home, or starting a business, having clear objectives will give you direction and motivation. Break these goals down into smaller milestones to make them more achievable and real in your mind.

Create a budget: Create a budget to track your income, expenses, and savings. Budgeting helps you gain a clear understanding of where your money is going and allows you to prioritize your spending. Ensure that your budget aligns with your financial goals and helps you save for the future.

Monitor your spending: Monitor your expenses closely to identify any unnecessary or impulsive spending habits. Use mobile apps or spreadsheets to record your expenses and categorize them.

Save and invest wisely: Make saving a priority by automating regular contributions to a savings account. Start building an emergency fund to cover unexpected expenses. Investing your money wisely to grow your wealth over time. Make your money work for you. Having money just sitting in the bank will not make it grow.

Needs Vs wants: Before making a purchase, ask yourself if it aligns with your values and financial goals. Avoid impulsive buying and give yourself time to consider whether it's a necessity or a fleeting desire.

Surround yourself with people who feel comfortable talking about money: Engage with people who have a healthy relationship with money. People who can casually have a conversation about making $10k, $20, $50k etc a month without blinking an eye. This will open your eyes about what you can have and help you feel comfortable with setting goals for yourself.

[chronicbitchsyndrome]

also i think a lot of support needs discourse completely overlooks the fact that the reason functioning labels and autism levels are problematic to begin with is because there is no across-the-board way to generalize support needs across dozens and dozens of different daily activities usefully, realistically you end up categorizing almost every disabled person as "mid support needs" because of splinter skills and that just isn't materially useful

"can't feed or bath themself" and "completely independently handles their finances and works an accounting job from home" can and do coexist in the same disabled person

"nonverbal and uses aac" and "is capable of completing a college degree" can and do coexist in the same disabled person

"can't live independently and needs a carer" and "is a carer for the other disabled people they live with" is something that applies to literally every disabled person i know

(and like, yes of course i think that people who are profoundly incapable of participating in abled hegemony in any way need language to describe themselves, but the ability to access abled hegemony is already overlooked as the main axis of disabled oppression, instead trying to localize it within our bodyminds? and yeahyeah i get it "i'd still be disabled under socialism" thats not really the point there, the point is regardless of how little you can access abled hegemony the disabling feature is still the access to abled hegemony, current language and discourse abt support needs obscures that imho)

(particularly because the visible markers of disability more profoundly limit someone from accessing abled hegemony, and arguments abt what is "more" or "less" disabling aren't centered on the axis of "how much is this person able to access the benefits of this hegemony, incl. income, respect and authority, social acceptance." i've seen people who have no ability to access institutions like work and school, 0 degree or qualifications and 0 income, being implied as ~less disabled~ due to current discourses on support needs, than people who draw on hegemonic authority via academic and professional accreditation.)

and like, separating out those into categories and representing access to those categories with ur language is fundamentally more accurate than drawing broad lines around dozens of categories of daily living and shunting disabled ppl off into those 3 or 4 categories. the experience of someone who cannot feed or toilet independently + has a masters degree is fundamentally different from the experience of someone who is independently physically mobile + labeled as violent and dangerous due to their disability and currently street homeless. and trying to determine whose "support needs are higher" in that axis or trying to plot them on an axis of "more or less disabled" is fundamentally useless in comparison to describing how their disability positions them in relation to abled hegemony and what parts of it they have access to and what parts they dont!

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[mostlysignssomeportents]

The surveillance advertising to financial fraud pipeline

Monday (October 2), I'll be in Boise to host an event with VE Schwab. On October 7–8, I'm in Milan to keynote Wired Nextfest.

Being watched sucks. Of all the parenting mistakes I've made, none haunt me more than the times my daughter caught me watching her while she was learning to do something, discovered she was being observed in a vulnerable moment, and abandoned her attempt:

https://www.theguardian.com/technology/blog/2014/may/09/cybersecurity-begins-with-integrity-not-surveillance

It's hard to be your authentic self while you're under surveillance. For that reason alone, the rise and rise of the surveillance industry – an unholy public-private partnership between cops, spooks, and ad-tech scum – is a plague on humanity and a scourge on the Earth:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

But beyond the psychic damage surveillance metes out, there are immediate, concrete ways in which surveillance brings us to harm. Ad-tech follows us into abortion clinics and then sells the info to the cops back home in the forced birth states run by Handmaid's Tale LARPers:

https://pluralistic.net/2022/06/29/no-i-in-uter-us/#egged-on

And even if you have the good fortune to live in a state whose motto isn't "There's no 'I" in uter-US," ad-tech also lets anti-abortion propagandists trick you into visiting fake "clinics" who defraud you into giving birth by running out the clock on terminating your pregnancy:

https://pluralistic.net/2023/06/15/paid-medical-disinformation/#crisis-pregnancy-centers

The commercial surveillance industry fuels SWATting, where sociopaths who don't like your internet opinions or are steamed because you beat them at Call of Duty trick the cops into thinking that there's an "active shooter" at your house, provoking the kind of American policing autoimmune reaction that can get you killed:

https://www.cnn.com/2019/09/14/us/swatting-sentence-casey-viner/index.html

There's just a lot of ways that compiling deep, nonconsensual, population-scale surveillance dossiers can bring safety and financial harm to the unwilling subjects of our experiment in digital spying. The wave of "business email compromises" (the infosec term for impersonating your boss to you and tricking you into cleaning out the company bank accounts)? They start with spear phishing, a phishing attack that uses personal information – bought from commercial sources or ganked from leaks – to craft a virtual Big Store con:

https://www.fbi.gov/how-we-can-help-you/safety-resources/scams-and-safety/common-scams-and-crimes/business-email-compromise

It's not just spear-phishers. There are plenty of financial predators who run petty grifts – stock swindles, identity theft, and other petty cons. These scams depend on commercial surveillance, both to target victims (e.g. buying Facebook ads targeting people struggling with medical debt and worried about losing their homes) and to run the con itself (by getting the information needed to pull of a successful identity theft).

In "Consumer Surveillance and Financial Fraud," a new National Bureau of Academic Research paper, a trio of business-school profs – Bo Bian (UBC), Michaela Pagel (WUSTL) and Huan Tang (Wharton) quantify the commercial surveillance industry's relationship to finance crimes:

https://www.nber.org/papers/w31692

The authors take advantage of a time-series of ZIP-code-accurate fraud complaint data from the Consumer Finance Protection Board, supplemented by complaints from the FTC, along with Apple's rollout of App Tracking Transparency, a change to app-based tracking on Apple mobile devices that turned of third-party commercial surveillance unless users explicitly opted into being spied on. More than 96% of Apple users blocked spying:

https://arstechnica.com/gadgets/2021/05/96-of-us-users-opt-out-of-app-tracking-in-ios-14-5-analytics-find/

In other words, they were able to see, neighborhood by neighborhood, what happened to financial fraud when users were able to block commercial surveillance.

What happened is, fraud plunged. Deprived of the raw material for committing fraud, criminals were substantially hampered in their ability to steal from internet users.

While this is something that security professionals have understood for years, this study puts some empirical spine into the large corpus of qualitative accounts of the surveillance-to-fraud pipeline.

As the authors note in their conclusion, this analysis is timely. Google has just rolled out a new surveillance system, the deceptively named "Privacy Sandbox," that every Chrome user is being opted in to unless they find and untick three separate preference tickboxes. You should find and untick these boxes:

https://www.eff.org/deeplinks/2023/09/how-turn-googles-privacy-sandbox-ad-tracking-and-why-you-should

Google has spun, lied and bullied Privacy Sandbox into existence; whenever this program draws enough fire, they rename it (it used to be called FLoC). But as the Apple example showed, no one wants to be spied on – that's why Google makes you find and untick three boxes to opt out of this new form of surveillance.

There is no consensual basis for mass commercial surveillance. The story that "people don't mind ads so long as they're relevant" is a lie. But even if it was true, it wouldn't be enough, because beyond the harms to being our authentic selves that come from the knowledge that we're being observed, surveillance data is a crucial ingredient for all kinds of crime, harassment, and deception.

We can't rely on companies to spy on us responsibly. Apple may have blocked third-party app spying, but they effect nonconsensual, continuous surveillance of every Apple mobile device user, and lie about it:

https://pluralistic.net/2022/11/14/luxury-surveillance/#liar-liar

That's why we should ban commercial surveillance. We should outlaw surveillance advertising. Period:

https://www.eff.org/deeplinks/2022/03/ban-online-behavioral-advertising

Contrary to the claims of surveillance profiteers, this wouldn't reduce the income to ad-supported news and other media – it would increase their revenues, by letting them place ads without relying on the surveillance troves assembled by the Google/Meta ad-tech duopoly, who take the majority of ad-revenue:

https://www.eff.org/deeplinks/2023/05/save-news-we-must-ban-surveillance-advertising

We're 30 years into the commercial surveillance pandemic and Congress still hasn't passed a federal privacy law with a private right of action. But other agencies aren't waiting for Congress. The FTC and DoJ Antitrust Divsision have proposed new merger guidelines that allow regulators to consider privacy harms when companies merge:

https://www.regulations.gov/comment/FTC-2023-0043-1569

Think here of how Google devoured Fitbit and claimed massive troves of extremely personal data, much of which was collected because employers required workers to wear biometric trackers to get the best deal on health care:

https://www.eff.org/deeplinks/2020/04/google-fitbit-merger-would-cement-googles-data-empire

Companies can't be trusted to collect, retain or use our personal data wisely. The right "balance" here is to simply ban that collection, without an explicit opt-in. The way this should work is that companies can't collect private data unless users hunt down and untick three "don't spy on me" boxes. After all, that's the standard that Google has set.

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/2023/09/29/ban-surveillance-ads/#sucker-funnel

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