#guarantee free loan

[atdmoney]

Best Loan App in India for Quick and Hassle-Free Personal Loans: ATD Money

In today's world where speed and quick accessibility are the only way to reach out, financial emergencies can arise unexpectedly, leaving individuals in need of immediate funds. Whether it's a medical emergency, an urgent home repair, or an unexpected expense, having access to quick and reliable financial support is crucial. This is where ATD Money, the best loan app in India, comes into play, offering a seamless solution for all your financial needs.

ATD Money stands out as a top personal loan app, providing users with an easy and efficient way to secure funds without the hassle of traditional banking procedures. Here are some reasons why ATD Money is the go-to app for many seeking fast cash loans:

One of the key features of ATD Money is its ability to provide instant loan approval. Unlike traditional lenders that require lengthy paperwork and multiple visits to the bank, ATD Money leverages advanced technology to approve loans within minutes. Once approved, the loan amount is credited directly to your bank account, making it the perfect fast cash loan provider.

Gone are the days of cumbersome paperwork. ATD Money offers a fully digital and paperless loan application process. All you need to do is download the app, fill in your details, and upload the necessary documents. This streamlined process not only saves time but also ensures that you can access funds without any physical documentation.

Get ready to enjoy collateral-free loans

Worried about providing collateral or a guarantor? With ATD Money, there's no need to pledge assets or find a guarantor. The app offers guarantee-free loans, making it accessible to a wide range of users, including those who may not have assets to offer as security. This feature is particularly beneficial for young professionals and students who may not have significant assets yet.

ATD Money offers personal loans based on your creditworthiness. The app assesses your credit score and other relevant factors to determine your eligibility. This means that even if you don't have a high income or substantial savings, you can still qualify for a loan if your credit history is good. This approach makes ATD Money one of the best personal loan apps for individuals with a strong credit background.

Understanding that every borrower has different financial circumstances, ATD Money offers flexible repayment options. You can choose a repayment tenure that suits your budget, ensuring that you don't face any undue financial stress while repaying the loan. Additionally, the app provides transparent information about interest rates and fees, so there are no hidden charges.

ATD Money is revolutionizing the way Indians access personal loans by offering a user-friendly, fast, and secure platform. As the best loan app in India, it provides a reliable solution for those in need of quick financial assistance, without the burden of extensive paperwork or collateral. Whether you're looking for an easy loan app, a fast cash loan provider, or a guarantee-free loan, ATD Money has got you covered. Download the app today and experience the convenience of paperless, instant loans tailored to your financial needs.

[atdmoneyloan]

How Fintech is Transforming Financial Independence with financial literacy for Students and Young Professionals

In today’s world, managing finances isn’t just a necessity—it’s a skill. For students and young professionals, the pressure to balance academic, personal, and professional aspirations often leads to unexpected financial challenges. Whether it’s covering tuition fees, managing daily expenses, or funding a passion project, having instant access to money can be a game-changer.

Click here to read more

[reasonsforhope]

Article

"Australian Prime Minister Anthony Albanese said on Sunday that his government planned to cut student loans for around three million Australians by 20%, wiping off around A$16 billion ($10 billion) in debts.

The move builds on May's budget, which attacked cost of living pressures in Australia and gave debt relief for students, as well as more investment to make medicines cheaper, and a boost to a rent assistance programme.

"This will help everyone with a student debt right now, whilst we work hard to deliver a better deal for every student in the years ahead," Albanese said in a statement announcing the cut to student loans for tertiary education.

The changes would mean the average graduate with a loan of A$27,600 would have A$5,520 wiped, the government said, adding that they would take effect from June 1, 2025.

The government said it already planned to cut the amount that Australians with a student debt have to repay per year and raise the threshold to start repayments.

If reelected at the next general election, due in 2025, Labor would also legislate to guarantee 100,000 free places each year at the country's Technical and Further Education institutes, Albanese said.

"This is a time for building, building better education for all," he said in a speech to supporters in South Australia state capital Adelaide.

Cost of living pressures, stoked by stubbornly high inflation, have a special resonance with a federal election looming and the centre-left Labor government now polling behind their conservative opponents.

(US$1 = 1.5246 Australian dollars)

-via Reuters, November 2, 2024

[iconicstoner]

behind the scenes

gn!bau!reader x aaron hotchner (fluff, confessions)

words: 956

summary: Reader and Hotch have been keeping their love a secret, not even willing to admit it to each other, but when the reader starts having some financial issues Hotch knows he has to do something. The reader isn’t willing to take money from Hotch, but they gladly accept a confession of his love.

“Why did you call me into your office, sir?” you ask, closing the door to Hotchner’s dimly lit office. It’s not the first time you’ve been alone together in his office. Despite what you might want, nothing intimate has ever happened, just many late-night talks; venting to each other, telling stories, laughing, and even the occasional card game. You sit across from him as he slides his stack of paperwork to the side.

“I heard you’ve been struggling with money,” he says bluntly, causing your eyes to widen in surprise. You and Hotch had a confusing relationship. It was obvious to most people the two of you were head over heels, but you would never admit, even to each other, that you were in love. So, you were left to steal glances, let your hands linger when passing paperwork, and lean on each other only after everyone else on the jet fell asleep. With this line of work, anything else was too dangerous.

“Sir, you called me into your office to discuss my financial situation?” you ask quizzically. Aaron rarely called you into his office, not wanting anyone to suspect his true feelings, so this was strange.

“Garcia may have let it slip to me,” he responds, clearly taking this very seriously. You internally facepalm, knowing you shouldn’t have mentioned it to anyone.

“Yes, well the rent at my apartment went up, and on top of that I have student loans to pay off, and it’s just been hard to take care of everything on my salary,” you respond awkwardly.

“I see. I can put in a request for a raise for you if you’d li-”

“No, no that’s fine,” you say quickly, cutting him off. “I know the BAU is dealing with enough budget struggles as it is.”

“I could find the money,” he stares up at you, your features dimmed by the low light. He’d be disappointed if he hadn’t already memorized it.

“Aaron, you cannot give me federal funds to pay my rent,” you say in a hushed whisper, shocked that he would even suggest it. He just smiles.

“Embezzlement? No, I’d like to give you some of my money to help.”

“You can’t do that. What about Jack?”

“I promise, Jack and I are doing perfectly fine. He could go to Harvard for free with the money I have saved.”

“With a father like you, I’m sure he’ll get in.”

“You’re calling me smart?”

“No,” you grin, “but you’re in the FBI, so I’m sure you could guarantee his acceptance.”

“Right, with all the government money I’m embezzling,” he jokes. You just smile, taking a moment to look at him. His smile lines. The faint rings under his eyes from long nights at the office. It was all so perfect. “I just want you to know, I’m serious about this offer.”

“Aaron, my financial situation has been better since I last spoke to Garcia. I’m moving soon and I found a roomate.”

“I’m glad to hear that,” he says with a small smile, staring into your eyes.

“Will that be all?” you ask, smiling back.

“Yes,” he says reluctantly. “But I have one request.”

“What’s that?” You stand up and Hotch is quick to follow suit.

“You’ll let me visit the new apartment?”

“Of course. As coworkers?” Aaron’s smile fades, his face forming a pensive expression, but he doesn’t say anything. You watch as he swallows thickly, struggling to form a response.

“Yes, of course, as coworkers,” he clarifies. You stare at him, not saying a word, barely struggling to hold your laughter in. He cracks a smile, seeing your expression. “Something to say?” he asks you.

“Maybe you should come over as more than a coworker,” you say slyly, hoping you aren’t pushing the envelope too far.

“I’d like that,” he quickly agrees. Relief floods over you, causing you to smile with glee.

“Is it too soon to kiss you?” You ask playfully, shooting him a wink.

“I’ve been waiting for this moment,” he says, leaning into you. You grab his tie, pulling him in close. Gently, he presses his warm lips against yours. He kisses you deeper, pressing your back against the office door. His big hands grab your waist, keeping you close. You snake your hands up his chest, wrapping them around his neck. Slowly, he pulls away, leaving you hungry for more.

“We should probably stop, maybe we could continue this when I get the new apartment tour?” he suggests.

“I’d be very open to that,” you reply with a smile. He smiles back, filling your stomach with butterflies.

“I’ll see you then,” Hotch replies, straightening out his suit. You do the same and open the door, revealing Garcia, Morgan, Spencer, JJ, and Emily staring at you with wide grins.

“I knew it!!” Garcia exclaims, high-fiving Morgan as she giggles.

“Never took Hotch for a ladies man,” Emily jokes dryly.

“You must not have been paying attention,” Morgan chimes in, “the guy’s smooth.”

“Right, and I’m sure he learned it from you,” JJ says sarcastically. You laugh at her remark, drawing attention back to you and Hotch.

“Really?” you ask, embarrassed, “even Spencer knew?

“I pick up on body language very well,” he says straight-faced. “Plus, you didn’t think we were all asleep on the jet, did you?” he asks, smiling wide. The whole team playfully laughs and you turn back to Hotch.

“I think our secret is out,” you tell him.

“They were going to learn eventually,” he says with a smile. He cradles the back of your head and gently kisses your forehead in front of the team. Cheers erupt from your friends, causing you to blush, but Hotch doesn’t seem embarrassed, if anything, he’s proud.

[phlurrii]

Hey! So as I move out to my college’s town, I’ll be taking my cat, Moo, with me! So I decided to help cover his food/litter, to avoid using my loans as much as I can, I’ll be opening monthly 10-15$ sketch commissions! I’ll only do 5-10 slots a month, with details determining the price amount. Read below if you’re interested for the details or supporting Moo ;3

:Rules/Details:

- Fullbody requests will only allow 1 character max.

-Halfbody requests will have 2 characters max.

- Line work be messier the more detail there is.

- Excess detail, textures, or the intricacies of accessories are not guaranteed to be added.

- References and an explanation of what you want is required upfront upon request.

- There will be 1 revision allowed for the sketch phase and 1 for the colour phase.

- There are no revisions offered once the product is done, even if you did not use you’re above revisions.

- Sketch commissions allow Pokémon, animals, furries, OCs, humans, light detail DND, and light gore/horror.

- Things not offered for sketch commissions, but are with full commissions are Custom Designs, Ref Sheets, NSFW, kinks, light Mech, Gore, heavy detail DND, Horror, etc. Those prices are linked in the pinned post.

- Payment is through Venmo only.

- Full Payment is required upfront and no work begins until it’s been received.

Once the piece is finished, you’ll be emailed the file both as a transparent piece and with white background, if you have any more questions or would like to commission, feel free to send me a DM with your character(s) and explanation. It’s first come first serve!

He says thank you ;3

[chaifootsteps]

what do you wanna bet when Stolas is put on trial the script finds a way to avoid mentioning Stolas gave his book out explicitly to get sex in exchange?

like they just tie themselves in knots to avoid bringing it up and imply it was all to support Blitzo's business, like he was just a slightly unwise angel investor the whole time. Stolas just nods his head gravely like 'yes, yes, it was so hard for me to loan my book out for free without checking it would be safe. but I did it out of the kindness of my gigantic heart because I love Blitzy so very much. if the crime is loving too much then I'm guilty as charged!!!'

the rest of the Goetias, especially good boy Vassago, don't want to punish Stolas because they hate his evil wife, but rules are rules so the guest star for the episode, probably Patrick Page voicing Satan, is the one to do it. But not without throwing Stolas a crumb of pity, because celebrity guest stars are always Good Guys and Good Guys support Stolas

{somewhere in the background Ozzie remembers that convo he had with Stolas about the crystal, wonders why Stolas just didn't come to him in the first place and feels his BS detector go off}

If this ever comes up again, I can all but guarantee you that it will be treated as Blitz's fault and one more thing Blitz has to atone for.

[dandelionsresilience]

Dandelion News - October 15-21

Like these weekly compilations? Tip me at $kaybarr1735 or check out my Dandelion Doodles on Patreon!

1. EV owners volunteer to drive voters to the polls in 11 states (and you can too)

“ChargeTheVote.org is a nonpartisan voter education and engagement initiative to enhance voter turnout in the 2024 election by providing zero-emission transportation in electric vehicles (EVs) to local polling locations. ChargeTheVote will also host a webinar for those who are interested in participating this coming Tuesday, October 22 at 7pm Eastern time.”

2. Kenya moves 50 elephants to a larger park, says it’s a sign poaching is low

“The elephant population in the […”Mwea National Reserve”…] has flourished from its capacity of 50 to a whopping 156 […] requiring the relocation of about 100 of [them…. The] overpopulation in Mwea highlighted the success of conservation efforts over the last three decades.”

3. Australian start-up secures $9m for mine-based gravity energy storage technology

““We expect to configure the gravitational storage technology [which the company “hopes to deploy in disused mines”] for mid-duration storage applications of 4 to 24 hours, deliver 80% energy efficiency and to enable reuse of critical grid infrastructure.“”

4. Africa’s little-known golden cat gets a conservation boost, with community help

“[H]unting households were given a pregnant sow [… so that they] had access to meat without needing to trap it in the wild. […] To address income needs, Embaka started […] a savings and loan co-op[… and an] incentive for the locals to give up hunting in exchange for regular dental care.”

5. 4.8M borrowers — including 1M in public service — have had student debt forgiven

“That brings the total amount of student debt relief under the administration to $175 billion[….] The Education Department said that before Biden's presidency, only 7,000 public servants had ever received student debt relief through the Public Service Loan Forgiveness program. […] "That’s an increase of more than 14,000% in less than four years.””

6. Puerto Rico closes $861M DOE loan guarantee for huge solar, battery project

“The solar plants combined will have 200 megawatts of solar capacity — enough to power 43,000 homes — while the battery systems are expected to provide up to 285 megawatts of storage capacity. [… O]ver the next 10 years, more than 90 percent of solar capacity in Puerto Rico will come from distributed resources like rooftop solar.”

7. Tim Walz Defends Queer And Trans Youth At Length In Interview With Glennon Doyle

“Walz discussed positive legislative actions, such as codifying hate crime laws and increasing education[.… “We] need to appoint judges who uphold the right to marriage, uphold the right to be who you are [… and] to get the medical care that you need.””

8. Next-Generation Geothermal Development Important Tool for Clean Energy Economy

““The newest forms of geothermal energy hold the promise of generating electricity 24 hours a day using an endlessly renewable, pollution-free resource[… that] causes less disturbance to public lands and wildlife habitat […] than many other forms of energy development[….]”

9. Sarah McBride hopes bid to be first transgender congresswoman encourages ’empathy’ for trans people

““Folks know I am personally invested in equality as an LGBTQ person. But my priorities are going to be affordable child care, paid family and medical leave, housing, health care, reproductive freedom. […] We know throughout history that the power of proximity has opened even the most-closed of hearts and minds.”“

10. At Mexico’s school for jaguars, big cats learn skills to return to the wild

“[A team of scientists] have successfully released two jaguars, and are currently working to reintroduce two other jaguars and three pumas (Puma concolor). [… “Wildlife simulation”] “keeps the jaguars active and reduces the impact of captivity and a sedentary lifestyle[….]””

October 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.)

[racefortheironthrone]

On the subject of UBI, I always ask about the MCU UBI: Tony is a billionaire who lives a life of luxury, Bruce has a serious chronic illness that requires expensive medical care, and Trevor just wants to sit round all day drinking and doing drugs. I take the UBI guys more seriously if they can say what each man gets from a UBI.

That's a somewhat odd choice of characters to think about how a UBI would function in the MCU.

So yes, Tony Stark would get a UBI. Relative to his private income, his UBI check would be totally inconsequential - and given the level of taxation needed to support a UBI, it's pretty much guaranteed that Tony would be paying far more in taxes than he would be getting back in UBI payments.

This is not an accident or a mistake or a flaw in the system; this is how a healthy social policy should function. When Social Security was established in 1936, FDR made a big deal of the fact that even John D. Rockefeller would get a Social Security check - because it hammered home the point that everyone contributes, and everyone benefits. Reciprocal solidarity would short-circuit the divisive politics of distribution and redistribution and cement a permanent majority coalition in support of a universal welfare state.

Bruce Banner would also get a UBI check. Now, his financial situation is a little unclear - originally, Banner was a top research scientist at Culver University with U.S military contracts, so he would probably have been in the top 10% of incomes (affluent but not wealthy). After his transformation into the Hulk, however, Bruce was a wanted fugitive with no way of earning income.

After that, Bruce was an Avenger - and this is where things get odd. As established in Falcon and the Winter Soldier, Avengers in the MCU don't get a salary: Tony gave them free housing and paid their Avengers-related expenses, but Sam Wilson notably relied on his veteran's pension and government contracts for his living (thus why his banker could justify turning him down for a small business loan rather than admitting to structural racial discrimination) and Steve Rogers even with his veteran's benefits, Social Security, and SHIELD salary couldn't afford a place in Brooklyn. This means that, while Bruce doesn't need to worry about money for his research and can save on rent, he does actually need the UBI for everything else.

This is very different from in the comics, where Avengers get quite decent salaries:

$4k a month in 1983 dollars works out to around $150k a year (on top of free housing at the Avengers Mansion), putting them solidly in the top 13% of U.S personal incomes.

As for Trevor Slattery, I feel like your description is unfairly characterizing a working actor. Slattery was not a major success in Hollywood - hence why he took Aldrich Killian up on his job offer and became part of a criminal conspiracy - and he does have some serious substance abuse issues, but what he does in his private life is his own business. Hell, even when he was abducted by the Ten Rings, he kept working as an actor. That being said, Trevor is going to have a hard time getting UBI, both because he's a wanted fugitive and convicted felon (which would end his eligibility in the U.S) and because he's now living in a rural village in another dimension.

[atdmoney]

Discover the Best Loan App in India: ATD Money

 In today’s fast-paced world, financial needs can arise unexpectedly. Whether it’s for medical emergencies, home repairs, or personal projects, access to quick and hassle-free loans is essential. Enter ATD Money, the best loan app in India, designed to provide you with fast, reliable, and easy financial solutions right at your fingertips.

When it comes to choosing a loan app, reliability and efficiency are key. ATD Money shines as the best loan app in India, offering a seamless experience for users seeking immediate financial assistance. With a user-friendly interface and quick processing times, it ensures that you can apply for a loan with just a few taps on your smartphone.

Gone are the days of complicated paperwork and long approval times. ATD Money streamlines the loan process, making it easier than ever to secure the funds you need. The application process is straightforward, requires minimal documentation, and is designed to be completed in just a few minutes. This simplicity is a key reason ATD Money is considered one of the top easy loan apps available today.

In emergencies, time is of the essence. ATD Money excels as a fast cash loan provider, ensuring that you receive the funds you need as quickly as possible. With instant approval and disbursement, you can rely on ATD Money to efficiently le your urgent financial needs without the lengthy wait times often associated with traditional lenders.

A low CIBIL score can often be a barrier to obtaining loans from traditional financial institutions. ATD Money understands that financial challenges can affect your credit score, which is why we offer personal loans for low CIBIL scores. Our flexible lending criteria are designed to help individuals who might otherwise struggle to secure financing.

Embracing the digital age, ATD Money offers a completely paperless loan experience. By leveraging advanced technology, we eliminate the need for physical documents and paperwork. This not only speeds up the loan application process but also contributes to a more sustainable and eco-friendly approach to lending.

One of the standout features of ATD Money is our commitment to providing guarantee-free loans. Unlike many lenders that require collateral or guarantees, ATD Money offers loans based on your eligibility and needs. This means you can access the funds you require without the added stress of providing security or collateral.

Conclusion

ATD Money redefines the loan experience by combining convenience, speed, and flexibility. As the best loan app in India, we offer a range of benefits including an easy loan application process, fast cash loan provision, personal loans for low CIBIL scores, paperless transactions, and guarantee-free loans. Whether you’re facing an unexpected expense or planning a significant purchase, ATD Money is your go-to solution for quick and reliable financial support.

Download ATD Money today and experience a new standard in lending that meets your needs with efficiency and ease. With our commitment to providing the best loan services, we’re here to support you every step of the way.

[taylorwright27]

I fucking hate this

I keep seeing people blaming third party voters, which even if all those votes went to Harris (which there is no guarantee they were going to) She still wouldn't have won, and I just saw someone on tik tok talk about how people on the left who were critical of Harris and the party were taking the excitement out of voting. And that is complete bullshit, it is not the lefts job to make you feel good about the democratic party they should be doing that themselves. The Harris admin ran a dogshit campaign plain and simple.

People wanted Biden out, it took months but the party finally listened and replaced him with Harris, this made people excited. It seemed like maybe the democratic party was actually listening to its voters, then they picked Walz as VP and we got more excited. No more Biden and a VP who believes in free lunches for students, healthcare, abortion and education! It seemed like the party was moving a different direction. They started calling the Republican party weird, pointing out how crazy their ideas were and how actually invasive theri policies were.

Then the fucking DNC happened, they rejected Palestinian voices and gave the most bullshit fluff speeches imaginable. They made it clear that they had no intention of trying to get undecided and independent voters on their side, they just wanted republicans. They decided that the road to victory was to shift to the right. They now supported a border wall and deportations, things that would be unimaginable 8 years ago. They touted around ex-republicans that switched over, like Liz Cheney (whose father drove the country into useless wars and left the VP office with 13% approval). They decided that it was more important to adopt right wing framing on issues, then to actually listen to what their voters wanted. They sent fucking Bill Clinton to yell at Michiganders that Palestinians were going to die either way so vote for the other things on the ballot. They agreed with the narrative that illegal migrants are ruining the country with drugs and crime, when they should have been pointing out that the Haitians were here on legal status (and clearly not eating pets that was disgusting that they even allowed for that to be a talking point) that the Venezuelan "gangs" Trump was complaining about were also here legally (by Trump), not gangs, and not terrorizing the city. They did not point out the vast majority of fentanyl and other drugs are brought into the US by US citizens, that illegal immigrants commit way way less crime that natural borne US citizens, and that they pay into taxes much more than they use.

But no, the democratic party decided that they need the republican vote, and could do that by effectively saying "Trump was right". They did the same thing with fracking in Pennsylvania. Fracking in was not Pennsylvanians number 1 issue, not even close and the few people who would vote on that would not all the sudden see Harris as the "Fracking candidate" that would still be Trump.

They ignored popular issues like healthcare and student loan forgiveness, raising the minimum wage and instead championed a tax break for small business owners and a credit for first time home buyers. These things do not help the average american, so many more people are struggling to live off of minimum wage jobs than are small business owners, and the anyone I know who the house credit would have made it possible for them to buy a house could only do so because their parents were also able to chip in.

They also did nothing to earn the young vote. I think they though abortion was enough to carry the youth, but newsflash men don't fucking care about women. they show it time and time again, Trump went on Adin Ross and Joe Rogan (2 of the biggest pieces of shit to exist) and that won him a lot of votes. There were people at the voting booth who said that they voted for Trump because of the Rogan interview. Men were not left behind by the campaign, but Trump and Vance were able to convince them that they were.

Harris and the democratic party gave nothing for people to vote for, so don't fucking blame Dearborne Michigan for not voting for someone who said she wouldn't change anything done in the last 4 years and instead blame the Democratic party for a shitty campaign, shitty messaging and choosing republicans votes over yours.

[cinnamonnangel]

ASTRO 101 - THE HOUSES (PART I)

FIRST HOUSE - I AM

(The First House is ruled by Aries and Mars.)

The first moment you open your eyes to the world, first breath, first sight, first intention and first experience

General appearance, form and shape, physical body, general health, vitality and energy, action

Character, identity, self image, personality, mask, self interest, how others perceive you, self expression, independence, behavior, name, attitude, fame

How you see the world, how the world sees you

Spirit, life, ego, soul body

First impressions, beginnings

Head, face, eyes, blood, brain, muscular system

The moment of birth and people around you, place of birth and atmosphere, birth experiences, mother’s health and experiences during childbirth

SECOND HOUSE - I HAVE

(The Second House is ruled by Taurus and Venus.)

Material and non-material resources, attitude toward possessions,

How you make money or meet obligations, self worth

Personal finances, money matters, sense of value, stocks and share, trade, jewelry, documents, cash money, valuables, wealth, possessions, trade, material possessions, luxuries, banking activities, loans, economic situation, wares, rank, guarantee, financial security, artworks

Talents, comfort zone, security, self esteem, valuables, sense of values, resourcefulness, nutrition

Face, neck, throat, vocal cords, thyroid, metabolic system, voice and vocal talents

Economy, sovereign debt, colonies, fees, trade, banks, internal debts, artistic approaches of a country

THIRD HOUSE - I THINK

(The Third House is ruled by Gemini and Mercury.)

Conscious mind, memory, mental confusion, communication, intellect, mentation, thinking

Skillfulness, study, ability, writing, speaking, researching, learning, reading, perceiving, adaptability, ability to learn foreign languages

Depthless thoughts and informations, smattering

Elementary and primary education, puberty

Siblings, brothers, sisters, cousins, close relatives and neighbors

Short trips, tour, daily travel, neighborhood, public transports, vehicles, motorbike, cars, train, bus, boats, urban roads

TV, radio, telephone, computer, mails, messages, text, communication network and channels, short correspondence on social media, weather forecast

Shoulders, collar bone, arms, hands, fingers, lungs, nerves, the nervous system

Bookstore, library, school, post office, educational institution, streets, telephone kiosk

FOURTH HOUSE - I FEEL

(The Fourth House is ruled by Cancer and Moon.)

The place where we live with the family, home atmosphere, home life, house, mother, family, lineage, family matters, ancestry, custom, femininity

Subconscious, things we hide about ourselves, emotional problems, early childhood, depression, personal commitment, the deepest and the darkest point of the chart

Old age, the end of the life, diseases, grave

Land, realty, genetic heritage, underground sources

Chest, breaths, stomach, uterus, diaphragm, upper alimentary system

Agricultural enterprise, historical values, mining site, real estate, refuge facilities, farmers, cemeteries

FIFTH HOUSE - I WILL

(The Fifth House is ruled by Leo and Sun.)

Actions and activities we do for ourselves, things we like to do, hobbies, how do we spend our free time, creativity, activities we enjoy, pleasure, self expression, risk taking, leisure time, artistic talents,

Love, romance, dating, courtship, love affairs, the way we flirt

Children, birthing and creation, the character of our children

Acting, drama, dance, music, sports, artists, celebrities, stage

Games, cards, puzzles, fun, amusement, games of chance, gambling, speculative investment

Chest, upper back, heart, spine, cardiac system

Hotels, entertainment centers, casino, beauty shops, coiffeur, resort, amusement park, cinema, theatre, sports center, park, art exhibition

SIXTH HOUSE - I ANALYZE

(The Sixth House is ruled by Virgo and Mercury.)

What we do to survive, daily work, everyday routine, details, skills

Work routines, where we specialize our skills, workers, competition, employment, workmates

House of sickness, exhaustion, disease, allergies, health, physical body, physical condition

Issues that tire us and weaken us, drugs and addictions

Pets and animals

Abdomen, intestines, lower liver, alimentary canal, spleen, digestive nerves

Hospitals, health care providers, employees, service sector, trade unions, state employees, restaurants, food and beverage services, enemies, soldiers, police, military, army, security guard, navy, animal clinic

[askspookyfox]

Wow, my artist, my guy, thanks for a whole lotta nothing for 3 years. It's a'ight. It's fine. Cool cool cool cool. Don't worry my sinners, I do still exist! Imma try to make plans to make a dramatic return and have an explaination for everything, but the timing just isn't quite right. Those of you who still watch this blog, I 'presh you. ✌️ Until then, I hope y'all been taking good care of October in my absence (and by 'good care', I mean annoy the heck outta her, heh).

Mod Mutt: Heeeeeyyy.... So... 'Bout droppin that ball that I mentioned in my last post... Three years, huh? My bad, y'all. 😅

As it was stated in that post, I had some serious financial priorities that I needed a second job that demanded a lot of my free time (thanks student loans, always a blast whenever you sap up a third of my paycheck every month 👍👍👍). As of 2023, even though some things are new in my life, I’m still technically in the same situation as I was back in 2020. It’s really hard to have the energy and motivation to do art in general and when I do, I usually couldn’t do more than a sketch before I tuck it away and don’t finish. I’m knee deep in a burn-out, stuck in a cycle of working two jobs and taking care of adulting shit on my weekends. 

Honestly, I’m tired of living this way. 

I feel like a shell of who I used to be, giving my life to work. I miss the creativity that comes with art and telling stories. I adore watching my best friend do their October’s blog, year after year, and every year, I get the inspiration from them but lack the time to jump back into it. Such as this year, it’s just too late as we only have a week left in the month. 

However, if you’ll have me, as a New Year’s resolution for next year, I want to refocus back to art and sharing Spook’s stories and help Night push October’s storyline along with Spook’s help. If this means having to work on Spook posts once a week every week leading up to October 2024, then so be it! I can’t guarantee anything, I can’t make promises as life do still take priority, but I do have a lot of sketches and answers to your questions sitting in my computer, waiting to be completed, so who knows what you’ll see! For right now, please accept my apologies for literally disappearing on everyone in 2020. I want to do better and I want to bring Spook and all of his scary toothy sassiness back to you. Thank you to those who’s still around, I hope that you’ll come back in 2024.

Until then, stay spooky!

[unsolicitedadvicecatlady]

A Prince, whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.

enabling bribery and other high crimes and misdemeanors

enabled disinformation efforts and risked undermining U.S. policy

received millions of dollars from foreign nationals with questionable backgrounds

paid nonresident women who appear to be linked to a prostitution or human trafficking ring

threatened to withhold $1 billion in United States loan guarantees

serious counterintelligence and extortion concerns

work with Chinese nationals connected to the Communist regime illustrate the deep financial connections

I usually don't get invested in American politics, but this is fascinating to me.

The social psychology underpinning the latest developments on the elections front is intriguing and if it wasn't so disturbing, it might even be entertaining.

Did this really happen under everyone's noses? Or was it just ignored? Or is it one of those "we don't talk about Bruno" situations?

[drdemonprince]

Would it make more sense to contribute money to my employers 401k to max out the match contribution or to instead just contribute a small amount and use the rest to pay off high interest debt or building an emergency savings (I have like 1.5 months worth of expenses saved and… $30k of credit card debt….). I was unemployed for a long time but now have a stable salaried job where I make enough to cover my expenses (credit card minimums, loans, groceries, rent, etc) and have a little left over that I divvy up between small treats (a movie ticket, a nice pastry, thrifted clothes), donation posts, and like an extra $50 credit card payment and I’m not fully sure the optimal way to use that small amount of money. I do need a small treat from time to time to not lose it (and socializing often costs money even if it’s a cheap activity) but maybe it’s better saving on getting a $10 movie ticket each month to potentially pay off my debt like a month faster a couple years from now? how do I create financial security without feeling like I’m putting my life on a depressing pause for a debt free future that won’t happen for a couple years (assuming I make the same money and don’t incur additional expenses)?

Yeah, you've hit on a really important piece here, which is motivation and long-term resolve. The Mr Money Mustaches of the world talk up the importance of stoicism and shit and preach reducing living expenses, but it's equally important to keep in mind what actively gives you enough hope, pleasure, and reinforcement to keep you going.

Cutting back on expensive nights out is one thing; removing all joy and socialization from your life and therefore nerfing your long-term ability to remain employed and earning is another matter entirely. Enjoy those movie nights out. Supplement with having friends over to stream something on your laptop and eat snacks, free museum days, you know, do lots of cheap shit in addition to the little treats, but dont deny yourself the treats. those arent extravagances, that's being ALIVE! and the only reason we aspire toward financial independence is so that we can live life as we wish to, rather than being owned by an employer.

Employer matches are pretty much a guaranteed double on your money, which is better than even paying off a loan in terms of earning potential. so I'd recommend socking away that 5% from your paycheck automatically, so that you never even have to think about it, and then budgeting any remaining expendable income on knocking out that credit card debt.

30k is enough to really hurt, especially with interest over time, but not so great that knocking it out is impossible. you can do this! make sure in particular to focus any unexpected income on paying down that debt. birthday money, tax returns, perhaps filling out some class action forms online, any little bit helps -- you may want to check out the Snowball Debt Repayment method, in particular, as a lot of people find it more motivating to have a few shorter-term goals. (Basically, if you have multiple credit card debts, focus on paying off the smallest one first, so you'll get the rush of having vanquished at least one beast).

Good luck!!

[mostlysignssomeportents]

Rent control works

This Saturday (May 20), I’ll be at the GAITHERSBURG Book Festival with my novel Red Team Blues; then on May 22, I’m keynoting Public Knowledge’s Emerging Tech conference in DC.

On May 23, I’ll be in TORONTO for a book launch that’s part of WEPFest, a benefit for the West End Phoenix, onstage with Dave Bidini (The Rheostatics), Ron Diebert (Citizen Lab) and the whistleblower Dr Nancy Olivieri.

David Roth memorably described the job of neoliberal economists as finding “new ways to say ‘actually, your boss is right.’” Not just your boss: for decades, economists have formed a bulwark against seemingly obvious responses to the most painful parts of our daily lives, from wages to education to health to shelter:

https://popula.com/2023/04/30/yakkin-about-chatgpt-with-david-roth/

How can we solve the student debt crisis? Well, we could cancel student debt and regulate the price of education, either directly or through free state college.

How can we solve America’s heath-debt crisis? We could cancel health debt and create Medicare For All.

How can we solve America’s homelessness crisis? We could build houses and let homeless people live in them.

How can we solve America’s wage-stagnation crisis? We could raise the minimum wage and/or create a federal jobs guarantee.

How can we solve America’s workplace abuse crisis? We could allow workers to unionize.

How can we solve America’s price-gouging greedflation crisis? With price controls and/or windfall taxes.

How can we solve America’s inequality crisis? We could tax billionaires.

How can we solve America’s monopoly crisis? We could break up monopolies.

How can we solve America’s traffic crisis? We could build public transit.

How can we solve America’s carbon crisis? We can regulate carbon emissions.

These answers make sense to everyone except neoliberal economists and people in their thrall. Rather than doing the thing we want, neoliberal economists insist we must unleash “markets” to solve the problems, by “creating incentives.” That may sound like a recipe for a small state, but in practice, “creating incentives” often involves building huge bureaucracies to “keep the incentives aligned” (that is, to prevent private firms from ripping off public agencies).

This is how we get “solutions” that fail catastrophically, like:

Public Service Loan Forgiveness instead of debt cancellation and free college:

https://studentloansherpa.com/likely-ineligible/

The gig economy instead of unions and minimum wages:

https://www.newswise.com/articles/research-reveals-majority-of-gig-economy-workers-are-earning-below-minimum-wage

Interest rate hikes instead of price caps and windfall taxes:

https://www.npr.org/2023/05/03/1173371788/the-fed-raises-interest-rates-again-in-what-could-be-its-final-attack-on-inflati

Tax breaks for billionaire philanthropists instead of taxing billionaires:

https://memex.craphound.com/2018/11/10/winners-take-all-modern-philanthropy-means-that-giving-some-away-is-more-important-than-how-you-got-it/

Subsidizing Uber instead of building mass transit:

https://prospect.org/infrastructure/cities-turn-uber-instead-buses-trains/

Fraud-riddled carbon trading instead of emissions limits:

https://pluralistic.net/2022/05/27/voluntary-carbon-market/#trust-me

As infuriating as all of this “actually, your boss is right” nonsense is, the most immediate and continuously frustrating aspect of it is the housing crisis, which has engulfed cities all over the world, to the detriment of nearly everyone.

America led the way on screwing up housing. There were two major New Deal/post-war policies that created broad (but imperfect and racially biased) prosperity in America: housing subsidies and labor unions. Of the two, labor unions were the most broadly inclusive, most available across racial and gender lines, and most engaged with civil rights struggles and other progressive causes.

So America declared war on labor unions and told working people that their only path to intergenerational wealth was to buy a home, wait for it to “appreciate,” and sell it on for a profit. This is a disaster. Without unions to provide countervailing force, every part of American life has worsened, with stagnating wages lagging behind skyrocketing expenses for education, health, retirement, and long-term care. For nearly every homeowner, this means that their “most valuable asset” — the roof over their head — must be liquidated to cover debts. Meanwhile, their kids, burdened with six-figure student debt — will have little or nothing left from the sale of the family home with which to cover a downpayment in a hyperinflated market:

https://gen.medium.com/the-rents-too-damned-high-520f958d5ec5

Meanwhile, rent inflation is screaming ahead of other forms of inflation, burdening working people beyond any ability to pay. Giant Wall Street firms have bought up huge swathes of the country’s housing stock, transforming it into overpriced, undermaintained slums that you can be evicted from at the drop of a hat:

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

Transforming housing from a human right to an “asset” was always going to end in a failure to build new housing stock and regulate the rental market. It’s reaching a breaking point. “Superstar cities” like New York and San Francisco have long been priced out of the reach of working people, but now they’re becoming unattainable for double-income, childless, college-educated adults in their prime working years:

https://www.nytimes.com/interactive/2023/05/15/upshot/migrations-college-super-cities.html

A city that you can’t live in is a failure. A system that can’t provide decent housing is a failure. The “your boss is right, actually” crowd won: we don’t build public housing, we don’t regulate rents, and it suuuuuuuuuuuuuuucks.

Maybe we could try doing things instead of “aligning incentives?”

Like, how about rent control.

God, you can already hear them squealing! “Price controls artificially distort well-functioning markets, resulting in a mismatch between supply and demand and the creation of the dreaded deadweight loss triangle!”

Rent control “causes widespread shortages, leaving would-be renters high and dry while screwing landlords (the road to hell, so says the orthodox economist, is paved with good intentions).”

That’s been the received wisdom for decades, fed to us by Chicago School economists who are so besotted with their own mathematical models that any mismatch between the models’ predictions and the real world is chalked up to errors in the real world, not the models. It’s pure economism: “If economists wished to study the horse, they wouldn’t go and look at horses. They’d sit in their studies and say to themselves, ‘What would I do if I were a horse?’”

https://pluralistic.net/2022/10/27/economism/#what-would-i-do-if-i-were-a-horse

But, as Mark Paul writes for The American Prospect, rent control works:

https://prospect.org/infrastructure/housing/2023-05-16-economists-hate-rent-control/

Rent control doesn’t constrain housing supply:

https://dornsife.usc.edu/pere/rent-matters

At least some of the time, rent control expands housing supply:

https://onlinelibrary.wiley.com/doi/full/10.1111/j.1467-9906.2007.00334.x

The real risk of rent control is landlords exploiting badly written laws to kick out tenants and convert their units to condos — that’s not a problem with rent control, it’s a problem with eviction law:

https://web.stanford.edu/~diamondr/DMQ.pdf

Meanwhile, removing rent control doesn’t trigger the predicted increases in housing supply:

https://www.sciencedirect.com/science/article/pii/S0094119006000635

Rent control might create winners (tenants) and losers (landlords), but it certainly doesn’t make everyone worse off — as the neoliberal doctrine insists it must. Instead, tenants who benefit from rent control have extra money in their pockets to spend on groceries, debt service, vacations, and child-care.

Those happier, more prosperous people, in turn, increase the value of their landlords’ properties, by creating happy, prosperous neighborhoods. Rent control means that when people in a neighborhood increase its value, their landlords can’t kick them out and rent to richer people, capturing all the value the old tenants created.

What is life like under rent control? It’s great. You and your family get to stay put until you’re ready to move on, as do your neighbors. Your kids don’t have to change schools and find new friends. Old people aren’t torn away from communities who care for them:

https://ideas.repec.org/a/uwp/landec/v58y1982i1p109-117.html

In Massachusetts, tenants with rent control pay half the rent that their non-rent-controlled neighbors pay:

https://economics.mit.edu/sites/default/files/publications/housing%20market%202014.pdf

Rent control doesn’t just make tenants better off, it makes society better off. Rather than money flowing from a neighborhood to landlords, rent control allows the people in a community to invest it there: opening and patronizing businesses.

Anything that can’t go on forever will eventually stop. As the housing crisis worsens, states are finally bringing back rent control. New York has strengthened rent control for the first time in 40 years:

https://www.nytimes.com/2019/06/12/nyregion/rent-regulation-laws-new-york.html

California has a new statewide rent control law:

https://www.nytimes.com/2019/09/11/business/economy/california-rent-control.html

They’re battling against anti-rent-control state laws pushed by ALEC, the right-wing architects of model legislation banning action on climate change, broadband access, and abortion:

https://www.nmhc.org/research-insight/analysis-and-guidance/rent-control-laws-by-state/

But rent control has broad, democratic support. Strong majorities of likely voters support rent control:

https://www.bostonglobe.com/2023/03/07/metro/new-statewide-poll-shows-strong-support-rent-control/

And there’s a kind of rent control that has near unanimous support: the 30-year fixed mortgage. For the 67% of Americans who live in owner-occupied homes, the existence of the federally-backed (and thus federally subsidized) fixed mortgage means that your monthly shelter costs are fixed for life. What’s more, these costs go down the longer you pay them, as mortgage borrowers refinance when interest rates dip.

We have a two-tier system: if you own a home, then the longer you stay put, the cheaper your “rent” gets. If you rent a home, the longer you stay put, the more expensive your home gets over time.

America needs a shit-ton more housing — regular housing for working people. Mr Market doesn’t want to build it, no matter how many “incentives” we dangle. Maybe it’s time we just did stuff instead of building elaborate Rube Goldberg machines in the hopes of luring the market’s animal sentiments into doing it for us.

Catch me on tour with Red Team Blues in Toronto, DC, Gaithersburg, Oxford, Hay, Manchester, Nottingham, London, and Berlin!

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/2023/05/16/mortgages-are-rent-control/#housing-is-a-human-right-not-an-asset

[Image ID: A beautifully laid dining room table in a luxury flat. Outside of the windows looms a rotting shanty town with storm-clouds overhead.]

Image: ozz13x (modified) https://commons.wikimedia.org/wiki/File:Shanty_Town_Hong_Kong_China_March_2013.jpg

Matt Brown (modified) https://commons.wikimedia.org/wiki/File:Dining_room_in_Centre_Point_penthouse.jpg

CC BY 2.0 https://creativecommons.org/licenses/by/2.0/deed.en

[probablyasocialecologist]

Global South countries are currently experiencing a debt crisis wherein governments like that of Sri Lanka are unable to service the debts they hold that are denominated in a foreign currency. Such debts began to balloon across the Global South in the aftermath of the oil crises of the 1970s. Following the Volcker Shock—and the accompanying steep rise in interest rates for dollar-denominated debts—countries that held those bonds found themselves in a situation similar to that of today. At that time, Global North governments, acting through the World Bank and International Monetary Fund (IMF), agreed to a series of bailouts conditional on Structural Adjustments Programs (SAPs). SAPs allowed these institutions to intervene directly in the fiscal policy of indebted countries and to implement neoliberal reforms which reduced public spending and opened up economies to transnational corporations. The explicit goal of SAPs was to kickstart growth, as the only means for indebted countries to pay back their loans and to lift communities out of poverty—the implicit goal being the creation of societies mirroring those of their former colonisers. Yet the last forty years have yielded the opposite result: an explosion of inequality both within and between countries and debts at their highest level this century. To understand this trend, we need to recognise that loans to the Global South were never about achieving prosperity; instead, the intention was to reassert neo-colonial control over the decolonising world. Decolonisation reduced the Global North’s access to the cheap labour, energy and raw materials that colonialism had ensured for centuries. Debt relationships between the former colonisers and colonised recreated the conditions for the plunder of the Global South. It turned poor countries into captive markets for companies based in the Global North and created a race to the bottom in environmental and labour standards meant to attract foreign investors. Under this arrangement, indebted countries need to grow their economies to service their debts. Growth relies on exports priced at disadvantageous rates that create ecologically unequal exchange between the Global South and Global North. Economies centred on the export of low-value-added commodities prevent the Global South from achieving full decolonisation. Fortunately, scholars of Modern Monetary Theory have shown that it is not necessary to prioritize growth for the sake of growth before investing in what countries actually need. Instead, what matters is a country’s productive capacity determined by social and ecological boundaries, and here the Global South is far richer than the Global North. To invest in necessary programmes like a Job Guarantee and Universal Public Services, however, countries must first free themselves of colonial currencies and end the cycles of debt that trap them in poverty. Given that stopping ecologically unequal exchange is a cornerstone of degrowth, the need for debt restructuring is clear. The only question is how to achieve this revolutionary reform.