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finsolution392 · 4 months

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Best Loan Agency in Mumbai: Kwick Fin Solutions

If you need financing, selecting the correct loan provider will make all the difference. In the bustling city of Mumbai, where opportunities and problems coexist, having a trustworthy financial institution is essential. Enter Kwick Fin Solutions, the top loan provider in Mumbai which offers a full array of financial services that can be specifically tailored to your demands.

Why Choose Kwick Fin Solutions?

Expertise and Experience

Kwick Fin Solutions boasts a staff of highly skilled professionals with many years of experience in finance. Their expertise spans many loans, ensuring customers receive accurate recommendations and efficient options. If you need a loan for personal use or are an owner of a company in need of funds, Kwick Fin Solutions has the experience and knowledge to help you navigate the procedure.

Wide Range of Loan Products

One of the main assets and strengths of Kwick Fin Solutions is its extensive range of loan options. Kwick Fin Solutions offers:

For personal loans to cover emergency medical situations, travel expenses, educational expenses, or any other individual needs, Kwick Fin Solutions provides personal loans with attractive interest rates and repayment flexibility.

Home loans: The purchase of a house is an essential milestone. Kwick Fin Solutions helps you achieve this goal with customized mortgage solutions for home buyers, including affordable interest rates and simple payment terms.

Business loans to entrepreneurs as well as companies looking to grow, Kwick Fin Solutions offers small-scale loans at attractive rates that will help you expand your company to the next level.

Car Loans: Are you dreaming of owning your own automobile? Kwick Fin Solutions makes it possible through their loan options for cars produced to meet customers’ different needs and budgets.

Student Loans: Affording education is a way to invest in the future. Kwick Fin Solutions provides education loans to cover tuition costs, accommodation, and costs associated with education.

Customer-Centric Approach

In Kwick Fin Solutions, the client is always first. Kwick Fin Solutions is proud of its focus on the customer, which is based on being aware of every client’s individual requirements and providing a customized solution. The dedicated customer service team is available 24/7 to assist in ensuring smooth and easy service.

Transparent and Trustworthy

Transparency is an essential element of Kwick Fin Solutions’ operations. They are committed to maintaining open communication with their customers and ensuring no hidden fees or unexpected costs. Their commitment to honesty and trust has earned them the trust and loyalty of numerous clients in Mumbai.

Fast and Efficient Service

In our fast-paced, ever-changing world, keeping time of the most crucial importance is imperative. Kwick Fin Solutions understands this and is committed to providing rapid and effective service. Its efficient processes and application of modern technology guarantee that loans are approved efficiently, which allows clients to receive the money they require without any unnecessary delay.

Testimonials of satisfied clients

Personal Loan Success

“I urgently needed a personal loan for an emergency medical situation. Kwick Fin Solutions not only offered me a quick loan but also an extremely reasonable rate of interest. They were accommodating throughout the whole procedure.” Priya S. Priya S.

Home Loan Assistance

“Buying the house I wanted in Mumbai appeared to be a daunting job. However, Kwick Fin Solutions made it feasible. They helped me with every phase of the loan procedure and provided me with the perfect loan to match my budget. I’m now a proud homeowner thanks to their assistance.” Rajesh K. Rajesh K.

Business Growth

“As owner of a small company, I find obtaining a loan to be a challenge. But Kwick Fin Solutions made it easy and painless. Thanks to their business loan, I grew my operation and moved my company to the next step.” Neha M. Neha M.

How do I apply for a loan with Kwick Fin Solutions?

Step 1: Consultation

Begin by arranging a meeting for a meeting with one of Kwick Fin Solutions’ loan advisers. They’ll evaluate your financial needs and recommend the best loan option In Mumbai.

Step 2: Documentation

Send the required documents, including documents proving identity earnings and identity, as well as additional documentation. Kwick Fin Solutions ensures that the process is as simple as possible.

Step 3: Application Processing

The loan application will be approved quickly when all the paperwork is completed. Kwick Fin Solutions’ efficient system ensures quick turnaround times.

Step 4: Approval and Disbursement

After approval, the loan amount will be transferred to your account. Kwick Fin Solutions offers flexible repayment terms, making it simple for you to handle your financial affairs.

Contact Kwick Fin Solutions

Are you ready to take that next step? Contact Kwick Fin Solutions today and enjoy the top loan options available in Mumbai.

Phone: +91–2249625024

Email: [email protected]

Address: 222,223 1st Floor, Raghuleela Mall, Behind Poisar depot, off sv road, Kandivali-West Mumbai

Website: https://kwickfinance.in/

Kwick Fin Solutions is not an ordinary loan company; it is a trusted partner in your financial life. Through its knowledge, expertise, dedication to its customers, and commitment to quality, it is the most reliable loan Agency in Mumbai. If you require funds to pay for personal expenses, purchase an apartment, or expand your company, Kwick Fin Solutions is the company you can count on.

#Best Loan Agency In Mumbai #Best Finance Agency In Mumbai

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payday-loanscanada · 2 years

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Easy Online Payday Loans

It is a extremely rapid and also very easy means to get the cash you need. You desire to make this your last hotel, so make certain you definitely need it. Usage very easy on-line payday loan as an emergency situation just means to obtain money. Usage easy on-line payday advance for unexpected factors, as well as save up for your "you tine" with each paycheck personal loans canada. The best component of using simple online payday loan is it improves your credit scores. It shows that you repay your debt, which provides favorable points on you credit rating. You will have no paper job to fill in, and also there is no demand to fax anything to them. You do it all online in the convenience of your very own house. All you need to do is go online as well as check it out. It does not take quite time at all to fill in the application. They ask some standard details, like your name, address, phone, as well as task number. You have to be eighteen years old as well as older, with an energetic bank account. Easy on-line payday advance supplies $100 minimum quantity lending, all the way up to the maximum of $1,200. You need to look for an Easy Online Payday Loan that has low passion rates if you have poor credit scores. Some funding areas do not have high interest rates, while others do. You must see to it to take your time in researching for easy on the internet payday advance loan. Some of the places do not also do credit checks, and you would certainly locate that in your research study. You do not have to wait long for simple online payday loan to authorize you. You will learn within 30-60 minutes. When you are authorized you will certainly see the money in your account within 24 hours. An additional excellent advantage in using easy on the internet payday loan is you pay them back within a month or 2. In this way you have time to save up for that repayment. If you do not desire to stress regarding your cash problems, I would certainly go online and see for your self. Like I claimed it is very easy to get and to repay. Simply go to an internet search engine and enter very easy on the internet cash advance. Some sites even have success tales; this aids you make a faster decision. Take your time in doing the study; there is no demand to thrill, since you remain in your own home. It takes less time to do research study from your home after that it is looking about town. Currently all you have left is to relax and also relax, now that your cash issues have actually been dealt with. There disappears running about like a chicken with its head removed. Be liable with your hard made money and also time. Go on and also check out simple on the internet payday lending online, it is safe and also simple to do. I have actually even utilized them, it was not my payday week, and also my gas was going to obtain shut off. I strive daily, as well as I can not manage a high rate disconnect charge, as well as in addition to that a reconnect charge. In addition to the bill itself, the expense mored than $100. I looked online for simple on-line payday lending. I can manage the lending, plus interest as well as still have money left over. There was no way I might afford all the costs from my gas costs, and also have a dime left to my name. Plus my household would have been without gas for over a week, and also gas warms your home, food, as well as far more. Use simple online payday funding as an emergency just way to get cash. Easy on the internet cash advance financing offers $100 minimum amount financing, all the means up to the optimum of $1,200. You need to make sure to take your time in looking into for easy on the internet payday loan. Go on and also check out easy on-line payday car loan online, it is simple and also safe to do. I looked online for simple on the internet cash advance loan.

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bitchesgetriches · 2 years

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Hi Auntie Bitches! I’m in a tough spot and trying not to make a mistake... at the end of the summer I’ll likely be couch hopping with no real place to go. I had a plan in place to move and start over, but unexpectedly became unemployed and am dipping into savings now to pay my current rent, so I might not have the $ to make my move. I need a car and was planning to take out an auto loan, but now I’m wondering if it’s possible to take out a personal loan instead and use part of it to pay for a cheap car and the rest to get me back on track for Plan A. Is a personal loan ever a good idea? Will it hurt more than it helps? Help!

Hey kitten. So sorry to hear you're going through all this stuff. Know that you have our support and love.

Personal loans are tricky for two reasons:

The interest rates can be cripplingly high. Especially if you don't have a good credit score.

And speaking of credit scores, you might not even be eligible for a personal loan unless you have a good credit score. I'd hate for you to hang all your hopes on that tactic only to get turned away at the bank.

Depending on the personal loan, there can be other complications with refinancing or debt consolidation. And I had a friend once use me as a reference (without my knowledge or consent) as a reference for his high interest personal loan. The result was that any time he was 24 hours or more late with a payment, his lender called ME incessantly to bully him into paying (this is a common practice with some lenders who deal in high risk loans).

Ok so those are all the downsides to personal loans. But the upside? You'll have enough money to get your leg up on the cliff so you can pull yourself the rest of the way up. And that's not necessarily a bad thing.

Another option is to get the car loan (could be more favorable terms than a personal loan) and a credit card. You can use the credit card as a revolving line of credit to fund your big life transition. It has downsides pretty similar to a personal loan, but might be easier to obtain.

Good luck, little bean! We're rooting for you.

Buying a Car with the Bitches, Part 2: How to Pay for Your Car

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

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lunarr-rrose · 4 years

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Understanding and Increasing Facility Value - Fernando Angelucci, The Storage Stud

https://u109893.h.reiblackbook.com/generic11/the-storage-stud/understanding-and-increasing-facility-value-fernando-angelucci-the-storage-stud/

According to Fernando, when it comes to Self Storage, one of the most important things to understand is not only the value of the facility that you are purchasing today but also where that value can be once you’re done with your term of ownership.

It is also paramount to understand the current financials. Everyone runs facilities differently and it’s important to see the performance of a storage facility in 12 to 24 months.

You also need to learn where to add values. One of the things that you can do is to cut spending.

To understand more about Facility value continue watching this video.

Fernando O. Angelucci is Founder and President of Titan Wealth Group. He also leads the firm’s finance and acquisitions departments. Fernando Angelucci and Steven Wear founded Titan Wealth Group in 2015, and under his leadership, the firm’s revenue has grown over 100% year over year. Today,

Find out more at

https://www.TheStorageStud.com

https://titanwealthgroup.com/

Listen to our Podcast:

https://thestoragestud.podbean.com/e/understanding-and-increasing-facility-value-fernando-angelucci-the-storage-stud/

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So, when it comes to self storage, I think one of the most important thing is to understand, not only the value of the facility that you're purchasing today, but also where that value can be. Once you are done with your term of ownership, let's say you're doing a value add on a facility. How do we go from point a today to this increased value, you know, 18, 36 or 60 months down the line. One of the very first thing is, understanding the current financials and not necessarily taking those, you know, built-in stone, if you will, carbon stone. So, everyone will run facilities differently. So, I think it's important to look at the trailing, you know 12 or 24 month performance of a self storage facility, but then also see where you can add value. So for example, the very easiest things to do is just to cut spending.

So for us, when we go look at a facility, the first thing we look at is the property taxes. And if there's any way that we can either contest, the property taxes or structure the sale in a way where we assign a lower value to the property and the improvements in a higher value to the Goodwill, thus dropping our taxable basis for the County. So for example, let's say I'm buying a $1 million self storage facility. I'm not going to write a purchase agreement for $1 million. When I'm most likely going to do is I'm going to write a, purchase agreement for $700,000 for the property itself, the land, and any improvements on the land. And then I'll write a separate purchase agreement for 300,000 towards Goodwill, which is like an imaginary value that's assigned to the business itself. The Goodwill can not be counted towards property taxes.

So, now the tax assessor is going to see that we bought the property, the land and the improvements for 700,000 and we'll tax us accordingly to the mill rates on that portion of the purchase. Now, that will help us drop our purchase or our property taxes pretty substantially. I've heard of some buyers, especially some larger REIT's getting really aggressive with the strategy and almost splitting the purchase price 50, 50 between land and improvements versus Goodwill. So, that's one method that we use. Another method is, you know, insurance and labor. We can always get better insurance quotes, especially if we're getting insurance policies that are specific to self storage, because they carry much less risk than say traditional commercial property. So, if you don't have a good insurance broker or risk advisor, they may not understand that and might just quote you general commercial insurance and the premiums can be much higher.

Another thing is, labor. What we've noticed is, it swings both ways. Sometimes, sellers do all of the management work themselves and don't pay them anything. So, all of a sudden what you thought was a 10 cap deal, because the expenses don't account for any managers, all of a sudden you put $50,000 back into the expenses to pay for a manager. And now all of a sudden your 10 cap deal drops down to 7.2 or a 6.5. And all of a sudden it's no longer as appealing. Now, one of the things you can do on the flip side say that you have a property that is just overmanned, they're using two and a half people, we'll say two managers rotating plus a part-time person when the facility doesn't warrant it, or maybe a warranted it while the property was leasing up.

But, now that it's stabilized and now just kind of humming along, you don't need people just sitting behind a desk playing solitaire going on Facebook. So, one of the things that we look at doing is number one, how many man hours do we actually need at this facility? And then, how much of that can we automate? Can we use technology for? So for example, one of the things that we can do is, we can go to on one extreme, you know, we can have the two-and-a-half managers for a, call it 80,000 or a hundred thousand square foot facility, or on the way other extreme as we go completely unmanned. We use a system of kiosks that almost looked like ATM machines that allow people to rent properties or rent units, pay for insurance, get a lock box, sign their lease, everything right there at the site.

We also so always mix this with a online strategy as well, where someone can just go to the website and rent a unit. They can sign the lease on website, or send it to their phone. They can sign it with their finger. These are all ways that we can drop the total labor load. What we found recently is that almost 80% of our reservations are done over the phone. About 10 to 15% are done online, and about 5% are actually done in person in the store. So, it's only 5%. If you apply the 80, 20 principle to this, we shouldn't have any managers because 80% of our revenue is coming from a phone call. So, one of the things that we can do is, we can just hire a call center and that call center will take all the calls. And if there's anything that needs a physical person at the site, we can schedule that on a one-off basis, pay that person hourly, or as an independent contractor, as opposed to putting them on salary and having them sit in an office for eight hours a day, in the off chance that once a week, somebody comes in for five, 10 minutes.

It's just not worth that time. Another expense that, we usually look at dropping obviously is going to be our mortgage expense. If you have really good loan brokers, you're able to pay more for properties because usually the way that we look at buying properties as a spread against the, interest rate. So, if we can get an interest rate on a property for 4%, you know, I'm willing to buy three, 400 basis points above that at let's say a 7% or an 8% cap rate, as opposed to, if I'm paying 6% on my money, a seven or an eight caps not going to work, and I'm going to have to start buying it at a nine or a 10% cap rate, which is very difficult in the environment we're in currently. And then on the flip side, how do you increase revenue? Maybe, the property when you do a competition study, the property is 20% below market rents.

Maybe all the existing tenants haven't, have never had their rent increased in the 10 years that the owners own the property. So maybe they're due to be increased up to say, 90 or 95% of what the street rates are. You can add and ciliary profit centers, you know, such as boxes and moving supplies or locks or shredding services or mailing services, U P S, or FedEx, wine storage. You can rent out moving trucks. You can rent spaces for storage, for cars, boats, RV's, there's all these little ways that you can just keep edging the gross revenue up. That after 12, 18 months, all of a sudden you've doubled your income and you've had your expenses, and now you're going to sell or refinance this property for four times what you bought it for. So, those are ways that we look at understanding and increasing our facility's values, just from a, like a non cap ex, capital expenditure model.

Another way that you can increase revenue or the value of that facility is by getting pretty creative, say, maybe you don't want to expand the facility cause you don't want to pay the cost to build new buildings. But you know that if the year facility had additional land to expand onto, that it sell at a premium to the next buyer. So, one of the things that you could do is, put lease options on all of the adjacent land and either execute it yourself and purchase that land while you own the property or assign that lease option to the new buyer. And that will increase the value of your property.

#Real estate #Real Estate Investing #the storage stud #storage stud #Fernando Angelucci #self storage #alternative funds

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adeleymccormick1990-blog · 4 years

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teachers auto insurance lincroft nj

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hispeculiartreasure · 5 years

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All We’ve Got is Time - Chapter Ten | B. B.

Pairing: Bucky Barnes x Female Reader

AU: If They’d Survived/Post-War/Window Washer!Bucky Barnes

Rating: All Ages

Word count: 2,975

Chapter 10/24

Warnings: Just a bad word.

AN: This chapter is. . . not my favorite. Mostly because I’m a stubborn bitch and finished this up in the middle of a migraine; I apologize in advance for my less-than thorough proofreading. It’s very heavy on information, but it’s necessary to set up future chapters and I feel like it shows growth. Don’t worry, I threw in lots of fluff and cute moments for ya. Forever appreciative for those of you reading!

Also, my 1k Followers Celebration is still going on! I’ll start posting the drabbles tomorrow, requests will remain open until Sunday. Y’all are the greatest followers ever! 💕

Chapter Nine

‘All We’ve Got is Time’ Masterlist

Bucky crams two fingers into the collar of his dress shirt, tugging at it for an attempt at relief in the sweltering New York heat. Pushing open the door to the skyscraper housing the VA’s Regional Benefit Office in Manhattan, he steels himself for this meeting. There were few things he hated more than dressing up in a monkey suit.

As soon as this is over I’m burning this tie.

The office is overflowing with men dressed almost exactly the same as him. Every seat in the waiting room is taken, presumed veterans stand elbow to elbow in what available standing room is leftover. There had to be at least 20 of them crammed into the small space. Fighting every instinct to turn tail and run from the room radiating nervous energy, Bucky politely checks in with the secretary before finding the last unoccupied spot by the window. This was a good thing. A step in the right direction. . . right?

He can’t help but inspect the window’s cleanliness, noting that the brushing technique was sloppy, leaving streaks behind. Gazing beyond the glass he imagines you working in your office today completely focused on your work. Wishing he really was watching you while he washed windows he remembers the huge smile on your face when he’d shared the news that he’d finally gotten this job counseling appointment. The thrill that lit up your eyes, the pride when you squeezed his arm. . . that was reason enough to stay put and wait.

After reading a spare newspaper entirely and watching what felt like every other person on earth walk in and out of the office, his name is finally called. He nods and steps forward to indicate that he indeed was James Barnes before following the weary man with the clipboard.

“Carl Baines, nice to meet ya. Alright Sergeant Barnes, how can the Department of Veterans Affairs help you today?”

“I, uh, was told I could get job counseling.” Following the man’s lead, Bucky sits opposite of the man, his desk piled with paperwork between them.

“That is correct. We have a questionnaire you can fill out that will give us a sense of direction on what you have an aptitude for,” the employee was already rifling through files, opening and closing drawers before placing a stack in front of Bucky.

“Sorry - I already have an idea of a job, I just don’t know where to start. Can you help with that?”

“Oh,” he blinks. “Yeah, you’re the first person I’ve talked to in days that’s said that. Uhh. . . what’re you thinking?”

“Working with cars?” “Okay, I can steer you in the right direction. Hold on.” Swiveling his chair to the filing cabinet behind him he mutters to himself as he cards through various files. “Automotive service, here we go.” The file lands on his desk with a plop before he’s flipping through it.

“Alright, looks like there’s lots of options. Best place to start is by picking up service manuals from manufacturers - they crank them out every year for mechanics to stay up-to-date, your local shop may have a few around. Manufacturers also usually have training courses if you agree to work for them. There’s also a lot of training conferences held if you get a job at a garage first. The library might even have a couple film rolls on auto mechanics. Looks like there are a few evening classes the public school system is offering. Another option is a private trade school where you’d stay until your training was complete. Or you could take a correspondence course, work in a shop at the same time, theory and practice together is always a good idea. Thoughts?”

Now it’s Bucky’s turn to blink. “Uhh. . .”

The man smiles apologetically and leans back in his chair. “Sorry. I understand that was a lot. We’ve been so busy, I forget to slow down sometimes. But the VA is offering to cover tuition for college or trade school up to $500 per year. Book, supplies, all of that is covered too. Plus you’ll get a cost-of-living stipend so you can focus on getting through school or training.”

Bucky nods, the idea of a future right in front of him somehow both thrilling and paralyzing. “Wow. Okay. Where’s the nearest trade school?”

“Let me check,” his finger trails down a list. “New Castle School of Trades, Pennsylvania.”

“How long would I be there?”

“Most schools are condensing their programs because of the influx of students. Maybe six months?”

Bucky is already shaking his head. “I don’t think I can be away that long.” He knows he can’t be away from you that long.

“It says here that they have a correspondence course. You’d receive assignments from instructors through the mail. You could finish in the same amount of time and only have to be there for a month of training halfway through the program. And they recommend finding a job a garage in the meantime. I have a friend who’s a mechanic and from what he says it pays to learn as much as you can as fast as you can. It takes constant studying, but you’ll be ahead of the curve if you work at the same time.”

“Okay,” Bucky stares at his hands folded in his lap, trying to think quickly. He didn’t want to be away from you, Steve, or his family for any length of time, but one month was better than six. And the sooner he could start something of his own, the better. “I think that’s the way I wanna go.”

“Let’s make it happen. Here’s an application for their school, get it in the mail as soon as possible so you can get started. Here’s a letter to attach stating that the government is covering all charges. While you’re here, I can get the paperwork started for your cost-of-living stipend.” More paperwork is pushed around the mess of a workspace as Carl pulls out a checklist. “You never enrolled for unemployment benefits, correct?”

“No, I was able to find a job pretty quick.”

He checks a box, “Okay. No dependents?”

“No.”

Another box is checked. “That combined with your service record will be about. . .” Carl slides a finger across a graph before tapping the paper twice, “$75 a month while you’re training plus an additional two months after you’re gainfully employed. Sound okay?” Bucky opens his mouth to answer but Carl didn’t give him the chance to respond. “Also if you’re looking for funds for a business or home, you’re eligible for a guaranteed loan whenever you apply, zero down with low interest. Lots of people are leaving the city and building houses on the outskirts of the city. It’s probably just a phase though. Any questions?”

“Not right now.”

“Well if you do have any, you’re welcome back anytime. We’re here to help.” Carl stands before shoving a pile of paper into his hands, simultaneously herding him toward the door. Next thing he knew Bucky was back in the waiting room that didn’t feel any less crowded. Thinking only of escape, Bucky doesn’t stop moving until he was outside the building.

Looking at the mess of paperwork he held, he sighs.

“One step at a time,” he whispers to himself, hearing your voice in his mind.

----

“How could the class sizes have grown so much since we graduated?” Bucky mumbles in Becca’s ear, pressed together in the masses of families seeking seating for the high school graduation ceremony. Baffled by the sheer number of people, he was quickly realizing the goal of everyone sitting together was futile.

The Barnes family shuffles through the crowd, searching in the chaos of the Brooklyn Stadium. Even being head-and-shoulders above most of the crowd Bucky couldn’t shake nerves ticking away in his chest. When they do find a clear bench in the stands they quickly discover the five of them don’t have a chance to fit together.

Rose gasps in dismay, “Oh, and I promised to save Robert a seat. If it was just us I’d say we could squeeze together but between when John gets here, my belly, and Robert. . .” she lays a self-conscious hand to her ever-growing midsection.

Becca gently grabs her sister’s shoulder. “Don’t worry, y’all take these seats. Bucky and I can find a spot together somewhere else. We’ll meet you afterwards.” George and Winnifred having long ago taken their seats, Rose joins them - sitting strategically to save seats for Evelyn’s beau and her own husband.

The idea of crawling over people to cram into a seat with little-to-no way to exit swiftly made Bucky’s anxiety heighten. Before Becca can move up the bleachers she catches her brother’s eye, catching the subtle tilt of his head toward the bottom of the stairs. Their remaining family being thoroughly distracted by the hubbub of the event, they weren’t noticed as they move down and away from the dull roar of the crowd several yards away from the bleachers.

“You alright?” Becca probes. Not taking his tight nod for a good enough answer she asks quietly, “Too many people?”

“Yeah. Still don’t like loud, crowded places.”

“Makes sense,” she says, more to herself than to Bucky. They stand together and people-watch, making comments about peers they recognize from their old high school days or teachers they couldn’t believe were still working 10 years later.

Before long their brother-in-law joins the family in the stands, sending a wave their way before kissing his wife on the cheek. But then a young, rail-thin young man approaches the Barneses, sheepishly accepting their warm welcome.

“That him Rose is fawning all over?” Bucky nods toward the situation. Becca cranes her neck before nodding affirmatively. “God, he looks 12 years old.”

“Bucky.”

“And he’s older than her?”

Becca narrows her eyes in his direction, “Only by two years. He’s just about finished his teaching training, should be able to start working in the fall.”

“Hmm.”

“Don’t sound so unimpressed, you were the one bent out of shape about him having a good job. Teachers are in demand, you know that.”

Bucky rocks back and forth on his heels “How have I not met the kid when they’ve been dating for almost a year?”

“You only got back around the holidays.”

“But Evelyn only brings him around the house when she knows I’m not going to be there. Why?”

“Could be a coincidence.”

“You’ve turned into a shit liar the last few years, Becs.”

After a good-natured elbow to his ribs, Bucky’s shoulders relax ever-so-slightly.

“Evelyn’s gotten under your skin, huh?”

“I just don’t like it.” A hand makes contact with the back of his head and he jerks to face his sister, her face glowing with stern righteousness. “What was that for!”

“You’re an idiot.”

“I’m lost.” Bucky hold his hands up in surrender, not even sure what he’s surrendering to.

“As much as Evelyn doesn’t act like it, your opinion matters to her. Plus she doesn’t want you scaring him off.”

“If he scares easily he’s not good enough for her.” Bucky shifts his feet, eyes zeroing in on the gangly boy sharing a laugh with his mother.

Becca scoffs at him. “Have you seen yourself when you’re trying to be scary? Let alone when you aren’t trying? He’s a solid guy, Bucky. Give him a chance.”

A sigh escapes Bucky before he makes an admission. “The whole family has gotten to know him. I know y’all like the kid and don’t have a problem with them getting married, but-.”

“You’re hurt that you haven’t been given that chance.” Bucky tries to protest but is quickly shushed by his sister. “I get it. You and Evelyn are too similar for your own good. Show her a little respect in her choice, give her the chance to make a good choice.”

Bucky can’t formulate a reply before the ceremony commences, the long line of graduates marching out onto the football field. The event is efficient for a such a large class - a record-breaking class at that-, even after the family cheers and whistles as Evelyn Barnes receives her diploma early on. The moment the ceremony comes to a conclusion hoards rush to their graduates on the field, whereas the Barneses hold back, waiting for Evelyn to find them.

George, Winnifred, Rose, John, and Robert gravitate to the spot where Bucky and Becca had watched with pride.

“Well, our girl did it,” George gives a rare smile as Evelyn finally pushes through the crowd so the family converges together at the same moment.

“Congratulations, sweetheart!” Winnifred wraps her youngest in a delighted hug.

“Thanks, Mom. Hi, Rob,” Evelyn blushes deeply and accepts a kiss to the top of her capped head from her beau.

“Proud of you, Evie.” Bucky sidles up to give her a hug from the side before facing Robert, Evelyn’s panicked face causing a twinge in his heart. Becca was right. He has been too harsh on her.

“Bucky, right? I’ve heard wonderful things about you,” Robert extends a hand, delivering a surprisingly confident handshake despite the sweat developing on his brow.

“Likewise.” Bucky says with forced optimism. This is why I was a soldier and not a spy, he thinks ruefully.

----

“So you actually approve of Robert?” Even over the phone Bucky can practically see the surprise on your face.

“Can’t believe I’m saying it, but yeah. Becca gave me a whole speech before I met him, made me back off of the protective brother bit slightly.”

“Oh, only slightly?” you tease.

“Yeah. Turns out Becca was right.”

“I have a feeling I’m going to get along with her.”

His heart flutters at the idea of you anticipating, even looking forward to, meeting his family. “Anyway,” he sighs dramatically, adjusting his grip on the phone before observing New York City bustling outside the phone booth. “How was your day, Sassafras?”

The sound of your groan crackling through the receiver triggers Bucky’s grin. “Don’t you even start with me. Between you and Anderson-”

A strange voice laced with an Irish accent abruptly enters the conversation. “Is anybody on the line?”

Bucky holds the mouthpiece away to avoid deafening you with a bark of laughter.

“Yes, Mrs. O’Shaughnessy,” you breathe with exasperation. “We just started talking.”

“Oh. I see. Well I need to call my sister, dear - with the weather getting so warm I’m worried about her and-”

“Okay, okay, we won’t be too long, I promise.” Even in your frustration you remain kind, a quality Bucky was beginning to deeply admire.

He hears a tell-tale click before you sigh. “The joys of party line service. What was I saying?”

“Something about your boss.”

“Oh yeah. He’s been in rare form this week. I’m starting to wonder why he’s the executive and I’m the typist when I’m drafting the original letters myself.”

“You have been pulling a lot of long days this week.”

“Apparently his time is better spent in the file room with the new secretary which sticks me with all the work,” you spit out bitterly. “And he gets to take credit for my flawless products, the pig. He makes my skin crawl.”

“Because he’s a corporate-climbing jerk or for another reason?”

“Well. . .” your hesitant voice hints at something else. “He’s forward and brash while being underhanded at the same time. It’s. . . unsettling.”

As Bucky opens his mouth to question further another click sounds off and the now-familiar lilt echoes back through the handset. “Is the line open now?”

“Still here, Mrs. O’Shaughnessy. I’ll be off in a few minutes.”

“You can’t tie up the phone line all day, young lady.”

“We all pay for the service. Check again soon.” Bucky bites his lip to contain his amusement at your firmness. A car horn goes off for several seconds, drawing the attention of several passers-by.

In confusion you ask, “Where are you calling from?”

“Payphone outside of Steve’s.”

“You’re paying that much for this call, Bucky? Jeeze I would’ve stopped talking ages ago, I’m sorry.”

“S’alright. Worth hearing your voice. I know I sound like a lovesick teenager, but not seeing you for a few days has been hard.”

“I know. But I’ll see you tomorrow. Any news today?”

“Yeah, I got my first assignment and textbooks for my training course.”

Your squeal makes his heart grow two sizes. “How exciting! Have you looked through it?”

“Not yet. Wanted to give it a good look when I had time. Also got my stipend in the mail.”

“That’s gotta feel good. When’re you going to give your window washing team notice?”

“I dunno. Don’t wanna leave them high and dry.”

“That was a horrible pun, Barnes. But I’m sure the boys can handle it.”

“We both know that’s debatable,” he revels in your giggle. “I better go chat with Steve.”

“You still haven’t talked to him?”

Even though he knows you can’t see him, he waves a flippant hand. “Nah, but it’s Steve. It’ll be fine.”

“And you’re sure about all this?”

“Very sure.”

“Okay. Hope it goes well. Tell me all about it tomorrow?”

“See ya tomorrow, sweetheart.” Before Bucky can hang up he hears Mrs. O’Shaughnessy once again, “Well he sounds handsome.”

Your unbridled laugh sends warmth through his chest as he replaces the handset and exits the booth. A block later, Bucky knocks on Steve’s door, army rucksack over his shoulder.

“Hey Buck,” Steve greets, eyes quickly flitting from the bag, to Bucky’s hands, before meeting his gaze.

Bucky gives a smug grin, holding up the envelope with his stipend nestled inside. “Spare room still open?”

“Nope.” Panic grips Bucky, that being the last thing he expected to hear. “Never was a spare room. Been yours from the start.”

Breathing out the fear, the brunet groans. “You’re a real jerk.”

“I know. Come on in.”

Chapter Eleven

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#bucky barnes x reader #bucky barnes reader insert #1940s Bucky Barnes #bucky barnes fluff #bucky barnes fanfiction #beka writes #marvel fanfiction #All We've Got is Time #Chapter Ten

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whatstytalkingabout · 4 years

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Money Moves: COVID-19, Top 3 Financial Moves For Singles

Spoiler: I can’t tell you what is best for you to do during these times. I do not know your personal financial situation. There is a great deal of information by the “experts” on this. The best thing to do, as always is to collect as much information as needed and make a personal decision based on your unique circumstances and needs. Disclaimer: I’m just sharing what I am planning on doing and my strategy is updated/shifts weekly, depending on what is happening economically and socially to an extent. My largest debts is what is considered “good debt”, my mortgage and my student loans. These are also debts that are “covered” under the new stimulus package should shit hit the fan. Outside of that I have a small amount in consumer debt with the majority of that being my car note. Long story short, I don’t have a lot of debt that is considered “bad”. Student loan payments are currently suspended (I’m still making payments though) and if something happens, I should be able to work with my banks on my mortgages. I’m saying this to say, if you have lots of consumer debt, collection accounts, have lost your job, spending more than you make, etc... this may not be the best advice for your situation; take what works/makes sense for you, leave the rest. 1. SAVE My ultimate emergency fund goal is 18-24 months of living expenses. Which may seem excessive but it just makes sense for what I’m trying to do over the long-term. Maybe i’ll explain this another time. The only debt I want to have by the end of the year are my student loans and mortgage. I’ve been accelerating debt payoff, namely my car for some time. So much so, my remaining term should be another 1.5 years, but I’ll have it paid off in 6-8 months. But I’ve shifted to saving more with in light of COVID-19. Saving just makes sense because I can always pay off debt with the money I saved later, but if I lose my job, I can’t get the money back I put towards debt. I’d rather keep my cash, pay a bit over the minimum on debt and re-access in a few months. Bottom line: Debt payoff right now is of little significance to me since I have so little of it, relatively speaking. I think that the lack of interest on student loans is a good thing; however, I can take the money I saved and put it towards the student loans at a later date if I so choose.

Make minimum debt payments if you’re not certain about your job situation. Make minimum debt payments if you don’t have 3-6 months of living expenses saved. Save your money! Again, that money can always be applied towards debt at a later date, when it makes sense to do so.

2. INVEST IN STOCKS Retirement accounts, investment accounts (including HSA)...all of them are getting my money. Stocks are on sale! So I’m buying. Folks are panicking during this time, but this is a great time to buy. I’m not out looking for bargain stocks, I’m investing in what I always have been investing in, just more. Bottom line: Taking advantage of the market at lower rates is a win for me. This will help me get to my FIRE number a bit quicker.

3. STAYING SOLVENT If I have to tap into my emergency fund, that means I won’t have (much) income coming in. With a mortgage payment suspension, my emergency funds can last 10-12 months, ceteris paribus. Even with a job loss, I have no intention to touch my emergency fund. My biggest (and smartest) strategy is to continue to incubate and insulate myself in case of a job loss. To still save and invest while remaining afloat.

I’d advise looking at all your bills and calling to get better prices and interest rates. If you have credit cards, ask if they can give you 0% interest for 6-12 months. Most of these companies would rather work with you now than ever before.

Bottom line: This is a rainy day, but there will be other rainy days and days with plenty of sunshine. It’s important for singles to protect what they have and prepare/plan if there is a job loss and current practices continue for longer than anticipated.

Singles: INCUBATION AND INSULATION is key! Protect yourselves and take advantage of opportunities that exist. Yes, even in this pandemic, there are financial opportunities!

BONUS TIP: BUY WINE! :-)

#singlesandmoney singlesfinances single singlesuccess successfullysingle covidfinances

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cestiau-blog · 4 years

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drferox · 6 years

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Pet Insurance

To be honest, I'm not totally convinced with this whole 'Pet Insurance' thing.

It certainly exists, and it's becoming increasingly common, but it's not exactly a good product and it's getting harder to recommend to my pet owning clients, as well as a general pain in the patootie to get money of sometimes. I have to say, I'm becoming increasingly disappointed and disillusioned with it.

I got curious the other day and looked up what it would cost me to get Accident & Illness cover for Trash Bag. No preventative care (it's cheap enough for me anyway as I can do a lot myself), just for sicknesses and illnesses. He's a 2yo neutered male, indoor only cat. He's a really low risk cat, and that's a quote without pouring through his medical history or pre-existing conditions. Even though any issues he'd had before taking out insurance would have been automatically excluded.

And it's still about $600 for the year, with only reimbursing 75% of the bills back, with no excess. What that means in real terms is that I'd have to have a $1200 vet bill in order for me to break even with pet insurance.

That would be plausible, with the median sort of 'expensive' vet bill for a stay at a 24 hour clinic or major surgery being around $3k, but the odds of that actually happening for me are extremely unlikely at his age.

Now, it might be a good deal, if I could expect to have that rate for his entire life. But that isn't going to happen.

Pet Insurance in Australia will guarantee 'lifetime cover' but what that means is not that you're paying this rate for the animal's entire life, but that they will give you a new offer of cover every year and it's up to you to accept it. They can't stop covering my cat, but they can make it more expensive every year so maybe I'll stop covering my cat. If they don't want to cover me, they will make me an offer they hope I will refuse.

Let's say I have a lot of small claims. The insurer might amend their letter of offer to include a $100 excess. That means I have to pay the first $100 of any vet bill on my own, and now they reimburse me 75% of the rest. So for a $100 vet bill, I can't claim anything. For a $200 vet bill, I get $75 back, and I'm still paying at least $600 a year at this point. Now I need a $1500 vet bill to break even.

They may also limit the amount payable for certain types of things. For example, a lot of the Australian policies have a $300 annual limit on consultation fees. In practice that translates to about 5 consults with a general practice vet, or two with a specialist. That's not a whole lot if you've got a pet with something chronic.

Tick paralysis and cruciate ligament injury have annual limits to their payouts too, and they're not quite what these things would really cost to treat.

And to add to the deception, some insurers will exclude bilateral conditions. If your pet had a sore eye one year, they may exclude all eye conditions going forward, even if they're not related, and even for the unaffected eye. Sometimes they will exclude unrelated conditions for the same organ system. Demodex as a puppy? Wont cover skin allergies now.

Pet insurance works like a bet. You're betting that your pet will get sick, and the insurer is betting that it wont. If you win, you get paid out.

But if the insurer doesn't like those odds, they change them, or they change the rules for the payout. They're not going to lose, they're going to change the rules to make sure of it, and you either agree to their terms or you stop playing.

So how do they make you stop playing?

The insurer is entitled to increase the cost of the pet insurance policy each year, based on the age of the pet and previous claims. Or they can increase the excess you pay for each claim. Or they can exclude covering conditions that you've claimed for in the past.

Progressively, it gets more and more expensive to cover your pet for less and less, and this is something veterinarians are progressively less happy about.

Now, if we were talking about a car and not a cat, you could take your quote and shop around for a better deal. But the catch with pet insurance is that if you switch providers, then suddenly everything you've ever claimed for, or that appeared in the medical history, now counts as a pre-existing condition and wont be covered. You lose coverage by switching providers, and probably don't save all that much.

Oh, there is, to my current knowledge, only two insurance underwriters for pet insurance in Australia right now. So of the 200 or so brands out there, 199 are actually all written by the same mob. Because that's not ripe for corruption at all...

Every 12 months, the insurer can review and change your premiums, excess, excluded conditions and rebate rate.

And unlike human health insurance where you scan a card, the total comes off your bill, and you pay the rest, with pet insurance you're still paying the vet clinic everything up front, and then get money back after your claim is processed, which may be a few months.

Pet insurance companies are really trying not to pay out, they want to make money, not give it away.

This makes writing medical histories a little bit tricky, because it's not vets reviewing the history to decide what they will and wont pay out on. If the insurance employee doesn't know what pemphigus folleaceous is, they might decide not to pay out. Then I have to call them up, request a review, talk it through, or send more documentation to explain what's going on.

Pet Insurance requests, demands, access to the pet's medical history. It's not like human insurance where they just see an itemized invoice. And this makes vets not entirely happy about handing over medical histories all the time when client's money is at stake. Especially when any potential mention of a vaccine preventable illness gets the whole claim thrown out, even if it's in the differentials list and not the final diagnosis.

So pet insurance is nice to have if you end up with a single, large vet bill, but it's not so helpful for chronic conditions, and you still need access to that cash BEFORE you get any back.

So, honestly, it just wouldn't work for me, and I'm a vet.

The point I would like to get to, other than Pet Insurance in general needing to be better regulated and honestly a bit of a gamble, is that is can't be used as a solution to everyone's problem, especially after a pet is already sick. You still need cash to pay the bills up front, even with pet insurance.

There are other options besides pet insurance. I can never recommend against it, but I do recommend people understand what they're signing up for, and as long as they've got some sort of plan in place for paying vet bills that's okay.

Popular in my area is just using a mortgage redraw facility. With these home loans you can pay extra into your mortgage each week/fortnight/month and it counts against the interest you pay, as a method to pay it down early. But because it's being paid 'early' you can withdraw the extra funds again if you need them, such as for a vet bill. It functions like a savings account, but you're paying down a debt you already have instead of accruing interest.

An emergency credit card is another option, one you just keep paid off unless you genuinely need it.

And 3rd party payment plans exist. Most vet clinics will not do their own payment plans, or will not admit to ever offering them, because we simply don't want people to rely on the vet clinic, a small business, taking on the financial risk on behalf of the owners because, frankly, most people never pay. This is especially true if the pet dies. A clinic might offer them for immediate life saving treatment if they know the client well, but the emergency last resort should never be anybody's number one plan. That's not fair.

Wonka also does not have pet insurance. I asked a couple of insurers at an industry exhibit once whether, because he has a neurological condition, whether he'd be covered for a broken leg if he fell off the couch. And none of them could assure me they would, in case in fell off because of the neurological condition. And that was not reassuring.

So when do I recommend pet insurance? Well I kind of don’t, specifically. I advise which companies other clients have been happy with, and what sort of things a pet owner needs to look for in terms of exclusions, limits, and fine print.

There are always some breeds I do recommend it for, because they are disasters waiting to happen, and for many young animals when the insurance is still cheap, nothing is pre-existing and we don’t yet know if they have a congenital condition, at least for that first 12-18 months of life. There are some you can look at as puppies and be highly suspicious this animal is going to be a money sink.

I see a lot of internet comments saying “should have had pet insurance!” or “go get pet insurance!” on various posts about affording pets or vet bills or emergencies, but pet insurance doesn’t help at all in these scenarios. Pet insurance gives you money back, you had to already have had money in the first place to take advantage of it. Pet insurance is no panacea or cure-all.

I just have a savings account. Putting aside what you would have paid in pet insurance anyway is a decent estimate for how much you’d need to save for a normal pet.

This post was accessed early by my Patreon Supporters.

#veterinarian #vetblr #pet insurance #money

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glorious-spoon · 5 years

Text

Hostile or Destructive Action

Fandom: Captain America Rating: Teen Warnings: Referenced rape/non-con Summary: The tapes of Captain America being abused in Hydra custody hit the internet. In the aftermath, Steve has to make a choice. Inspired by @shinelikethunder‘s fic The Interests of National Security. Link: On AO3

*shows up to the dumpster five years late with hurt/comfort*

He spends the four-hour flight into Dulles breathing canned air and trying to feel like he’s not about to shake apart into pieces. It seems like every single damned person on the flight was within earshot of that checkpoint, and the few who weren’t have evidently been caught up, God bless cell phone cameras and the 24-hour news cycle. He hasn’t bothered to turn his phone back on; it’s too easy to guess the contents of his inbox, and he doesn’t feel prepared to face that just now.

No one manages to get up the guts to say anything, but even without looking up from his book he can see three people with their cell phones out, and they’re not even trying to be discreet about filming him. He flexes his fingers, entertains a brief fantasy of snatching the pink kitten-themed phone away from the woman across the aisle and crushing it into dust—but pitching a fit mid-flight won’t improve the situation any, and it also won’t actually make him feel any better.

He’s read the first two pages of Foundation six times in a row before he accepts that even intergalactic space wars aren’t going to be enough of a distraction, but he doesn’t close the book, just grips it in his lap until his fingernails have left deep divots in the paper.

He didn’t call to let anyone know that he was on his way back, but Natasha meets him at baggage claim anyway. One moment he’s alone, waiting for his battered suitcase to make its way over so he can get the hell out of there already; the next, there’s a whiff of strong coffee and expensive perfume, and she says, “You should consider answering your phone once in a while.”

“Rub it in, why don’t you,” Steve snaps, yanking his bag off the carousel and slinging it over his shoulder. The weight of the shield settles heavily against his back, comforting. There’s a trio of middle-aged tourists on the other side of the carousel blatantly staring at him. He gives them a tight smile and looks away.

Natasha is silent for a long moment, then says, “I’m sorry, Steve.”

It’s quiet and sincere, and Steve finally brings himself to glance down at her. She looks tired and drawn, and it occurs to him that this can’t have been easy on her, either. On any of them.

He sighs. “Sorry. How bad is it?”

He can guess, but he hasn’t been able to bring himself to look at any of the newsstands he passed on the way through.

“Bad enough. Stark Industries is running interference.”

“Remind me to send Tony a fruit basket,” Steve says dryly. “Can we get out of here now? I’d rather not have this conversation in the middle of an airport.”

Because she’s Natasha, and she’s kinder than anyone ever expects her to be, she nods. “Yeah. Come on, Sam has a car outside.”

The car is clearly on loan—or possibly stolen—from SHIELD, a sleek black SUV that could probably drive through a tank. Steve slings his bags in the trunk and slides into the backseat. In the driver’s seat, Sam twists to look back at him, lifts his sunglasses, and says, “Hey. Welcome back.”

“Hell of a welcome,” Steve says. “When were you planning on letting me know?”

Sam sighs. “We’ve been trying to get in touch with you for a week, Steve.”

“I’m sorry.” He pinches the bridge of his nose, tries to rein in his temper. Biting Sam’s head off isn’t going to help anything. “I’ve had a rough day.”

“Man, you’ve got a real gift for understatement.”

The other door opens, and Natasha slides in. “We’re clear,” she says to Sam, then adds, with a glance back at Steve, “Reporters.”

“Assholes,” Sam interjects, pulling away from the curb.

Natasha puts her head back against the seat cushions and closes her eyes. “I took care of them.”

Steve knows his line here: You can’t just assassinate everybody at the Washington Post, and she’ll smirk a little and say, Who said everybody?, but when he opens his mouth, what comes out instead is, “Are they real? The pictures?”

There’s a long, thick silence, and then Sam clears his throat. “We don’t know,” he says. “Not for sure.”

Steve looks at Natasha, who doesn’t look back. After a long moment, she says, “Probably, yes. But the only person who’d know for sure is—”

“Me,” Steve finishes, bitterly. “Maybe Bucky, if he remembered any of it.”

He doesn’t have to see Sam’s face to hear the wince in his voice. “Steve—”

“Never mind. God.” He rubs a hand over his face. “Sorry.”

For the first time since he left Wakanda he’s glad—horribly, guiltily glad—that Bucky is still in cryostasis while the doctors there sift the rest of the hidden triggers out of his brain. Bucky doesn’t remember. He would have said something if he did. Bucky—and he is Bucky again now in all the ways that matter, even if he and Steve will never be what they used to be to each other—he would have found time to say something. To offer an apology, as little as Steve needs or wants one.

In the grand scheme of everything Hydra forced Bucky to do, that was nothing. But Steve’s glad, all the same, that he isn’t going to be finding out from a fucking media scandal before Steve figures out a way to break it to him.

“He’s not in any of the pictures, anyway,” Natasha says calmly from the front seat. She leans forward and comes back up with a file folder, which she hands back to him. “Here.”

“You really think that’s a good idea?” Sam asks, but Steve takes the folder. There’s not gonna be anything in there that he doesn’t revisit in full Technicolor detail in his nightmares on a regular basis. All else being equal, he’d rather know what he’s up against.

“They didn’t bring out the cameras until after Pierce left.” Small mercies. The smallest. He’s glad of it all the same. “Guess it’s hard to claim plausible deniability if you’re caught on film raping prisoners.”

Neither Sam nor Natasha flinches, and Steve loves them for it. He flips the folder open as the car accelerates onto the freeway. The top page is a memo on CIA letterhead, detailing the source and particulars of the leak: as expected, a Hydra agent’s phone that had never uploaded to the mainframe, all the nasty little secrets in its video files stumbled across by some analyst who looked at some of the worst moments of Steve’s life and saw only dollar signs.

The next page is briefing notes. Then newspaper headlines, or a sample of them: he could find a more up-to-date selection if he wanted to check the news on his phone, which he damn well does not.

Underneath that, the pictures. Black and white, at least, although he knows the video must have been released in full color. On these printouts, the blood smeared on his skin, down his thighs, pooling on the floor beneath him—it all looks gray and colorless. Like pictures from the war. Less shocking, somehow, than the reality of it.

He flips the folder shut and sets it on the seat beside him. “They’re real.”

Sam lets out a slow breath, and Natasha nods. “What are you going to do?”

“I don’t know.” He leans forward to rest his elbows on his knees as the city whips by outside the window. All crumbling concrete buildings splashed with graffiti, railway tracks stretched overhead.

“You don’t actually have to do anything,” Sam says. His tone is caught between gentleness and resignation, as is the smile he tosses over his shoulder at Steve. He knows that doing nothing isn’t really in Steve’s repertoire, never has been. Steve could kiss him right now. Half wishes he’d gotten up the courage to try it back before Insight, before everything came crashing down, both literally and figuratively. That particular ship has long since sailed now, but even so, Sam is the kind of friend he’s never deserved. Him and Natasha both. “You could just tell them to shove it where the sun don’t shine.”

“The entire free press of the US of A?” Steve says, and drops back in his seat. “Come on. They’ve probably staked out my place by now.”

“They have,” Natasha says. “That’s why we’re not going to your place. I have a safehouse outside the city. Should be secure. We can regroup and—”

“No,” Steve says. “I’m not hiding.”

Sam huffs out a dry laugh and then says, to Natasha, “Told you.”

“Worth a try.” She leans back to look at Steve. “You sure about this?”

Steve takes a breath, and it’s not the cell he’s thinking of now, it’s not Bucky’s hands holding him down or Pierce unzipping the fly of his expensive suit or the team of guys he led for two years kicking him, spitting on him, slicing him open and jeering while they took their turns with him—

Instead, it’s the utterly prosaic scene of the airport this morning. The little indignities of it that everyone there just seemed to expect. Turn out your pockets. Stand on a mat and let a man in uniform put his hands all over you, and if you have nothing to hide you have nothing to fear.

Liberty for security. To hell with that.

He closes his eyes. The peace he managed to find out in the mountains seems very far away, just now. “I’m sure. If the press wants a statement, I'll give them one.”

#captain america #ca:ws #hydra trash party #my fic

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swiftlythebest · 5 years

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So I'm am going to go through my 20s this decade I am kinda worried do you have any advice as a adult who gone through their 20s thank you 😊😊 You seem you have got your shit together.

Wow, I’m glad I give off that vibe because I really don’t have my shit together. But I try!

Okay, I’m 26 so I’m still in my 20s, but the latter half. I have some advice that I wish someone had given me when I was 20 so here we go!

1. You don’t have to know what you wanna do for the rest of your life just yet. You don’t have to know at 20 and you don’t have to know at 29. Hopefully have a better idea at 29, but be open to exploring.

2. Whatever you do, like it. Like going to work and like the people you work with. If you don’t, start looking elsewhere. THIS IS SO IMPORTANT. I spent four years in a job that destroyed my mental health and well-being. But since I was making money and “being an adult,” I thought it was normal. It’s not. Don’t dread going to work. This also applies to what you may be studying. Like it! Don’t just do it because you think it’ll lead you to a career because chances are, if you don’t like it now, you won’t like it in the future. This can be a more difficult one to follow based on financial circumstances, but know that you’re never fully trapped in a bad work situation.

3. Have passions and pursue them. I started writing and painting in my 20s because I love to do those things. I’m not particularly great at either, but I enjoy it and it gives me something to do when I’m alone.

4. Be okay with being alone. High school and college give you almost 24/7 companionship. If you’re like me and single in your 20s, that’ll change. You’ll probably have friends, but they won’t be around all the time. Learn to cook for one, go to movies alone, heck, go on vacation alone. Some of my best trips were taken solo.

5. Have a support system you can trust and reach out to. Whether that’s family, friends, coworkers, or even a therapist. Make sure you have people cheering you on and helping you through rough times. I know I can call my mom whenever I’m having issues. I have friends I can vent to about dumb shit. Also, therapy is fantastic and if you have the ability to go, do it. So many people fall into depression in their 20s and really just need someone to talk to in order to help alleviate some mental anguish.

6. Don’t measure your life’s pace against others. I have friends getting married and having kids. My mother was pregnant with me at my age. That’s not where I’m at in life. I have friends in senior positions at their jobs while I recently started a new career at the ground floor. My successes can only be measured on my own scale. Never feel like you’re falling behind just because a friend is going at a different pace.

7. Pay attention to your finances. If you can, open a credit card. Maybe a second if that’s a viable option. Look for ones with cash back so you can have some money available when you may need it. Don’t open too many and don’t spend more than half of the limit each month. Build your credit as early as possible so you can get a mortgage or car loan with a low interest rate in the future. Consider using a payment plan for things you know you can buy upfront because that’ll help too. Bad credit is so hard to fix so make sure you create a good base as soon as possible.

8. Have fun at your own pace. Some 20 somethings like to go out a lot and some prefer to stay in. Find a good balance based on what you want to do. Also, game nights are always a good idea.

I hope these can help a bit. These are things I wish I knew at 20. Also, if anyone has additional advice or whatever, please share! Being in your 20s is both scary and fun so take it as it comes and don’t worry about doing everything “perfectly.”

#asked and answered #anonymous #advice #20s in the 20s

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berniesrevolution · 6 years

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Michaela Christian lost a long battle with Wells Fargo in 2013 to save her Las Vegas home, a defeat she says changed the course of her life. When the bank refused to modify her mortgage, Christian moved in with a friend and scrambled to rebuild her life.

Five years later, Wells Fargo admits it made a mistake. Christian, 46, qualified for the kind of mortgage help that may have saved her home after all.

It is a mistake the giant bank admits it made nearly 900 times over several years, pushing hundreds of distressed homeowners into foreclosure.

Christian said that when she learned of Wells Fargo's error, "I was sick to my stomach."

"They destroyed me and destroyed my everything."

Wells Fargo's admission is part of a cascade of lapses that increased scrutiny of the San Francisco bank with some Democrats in Congress calling for the ouster of its chief executive, Tim Sloan. Over the last two years, the bank paid more than $1 billion in fines after admitting it opened millions of bogus accounts customers didn't want and then found itself in more trouble after improperly repossessing thousands of cars.

The bank has repeatedly apologized for its missteps but is struggling to repair its image. Customers who lost their homes are being offered compensation or can enter mediation, company officials say.

Wells Fargo says an internal review found the bank denied help to hundreds of homeowners after fees charged by foreclosure attorneys were improperly used when the bank determined whom to offer mortgage help. The computer error began in 2010 and was not corrected until last April, the bank said.

Overall, 870 homeowners were denied help for which they qualified, including 545 who lost their homes to foreclosure. Wells Fargo says it has reached most of the customers affected and set aside $8 million to compensate them, though industry analysts say that number is likely to increase.

The revelation echoes the complaints of thousands of borrowers in the years after the financial crisis that banks were stingy about offering help with borrowers' exploding loans.

"Wells Fargo failed to maintain its systems, failed to find problems when they occurred and then masked the problem for years," said Alys Cohen, staff attorney for the National Consumer Law Center.

Christian bought her home in 1998, when she was just 24. At the time, the three-bedroom home was on the outskirts of a growing Las Vegas. There weren't a lot of stores nearby, but Christian said she loved the neighborhood. "In the 15 years we were there, everything was perfect," she said.

But in 2011, Christian lost her job as a bartender as the economy continued to sputter after the global financial crisis. Then she was in a car accident that left her with a fractured pelvis and crushed tibia. "I wasn't even able to walk for seven months. I couldn't work."

One of her first calls for help, she said, was to Wells Fargo. Christian asked the bank to defer her more than $1,000 monthly mortgage payment or lower the 7% mortgage interest rate to the prevailing rate at the time, about 4%. That would have lowered her payments to about $500 a month, Christian said.

"They said, 'Have a nice day' and denied it," she said.

A few months later, Christian said, Wells Fargo began foreclosure proceedings against her. With the help of her father, she found a job that allowed her to maneuver with a cane, and spent months searching for help, she said. Christian said she even offered Wells Fargo an additional $4,000 to make up for some of her missed payments.

Ultimately, Christian said, she faced what she considered an unfathomable choice: sell her home or lose it in foreclosure.

"It was the last thing I wanted," she said. "I didn't want to uproot my son. He had grown up there."

After a quick sale of the home, Christian temporarily moved in with a friend and then into an apartment.

"I was in a daze," Christian said through tears. "I thought, 100%, I was going to be able to save my home. I had my finances in order. I could not for the life of me figure out why they wouldn't refinance."

The answer came in September when Christian received a letter and a $15,000 check from Wells Fargo, admitting its mistake.

"We want to make things right," the letter states. "We realize that our decision impacted you at a time you were facing a hardship."

Wells Fargo's letter didn't explain how it determined Christian was due only $15,000. She sold the home for $135,000 in 2013; Redfin now estimates it is worth about $250,000. And Christian estimates she had already accumulated about $30,000 in equity after making mortgage payments for more than a decade. And that, she said, doesn't include the $20,000 pool she had installed.

(Conitnue Reading)

#politics #the left #wells fargo #wall street #financial industry

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pouncequick · 5 years

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Whining. Very long, personal whining.

Reblog and I will block you.

My sister and my parents live about 7 hours apart--a driveable distance, not too bad. We live about a 24 hour drive from my parents, over 30 hours from my sister and her family--it’s driveable (we’ve done it plenty), but definitely far enough it falls into the ‘better to fly’ category when you start adding up gas, probably a hotel, wear on the car, time off work, etc. They also all have houses, whereas we moved from two-bedroom apartments to a one-bedroom a couple of years ago because we can no longer afford a two-bedroom with rents in our city. So it’s not surprising that most gatherings take place in their part of the country.

By most, I mean that in the ten years we have lived here, no member of my family has ever visited us or made any kind of significant plan to do so.

We are also, by far, the poorest members of the family. My parents are pretty comfortably middle-class retirees, my sister and her family are quite well off. We are struggling to find places we can afford to rent and desperately need a second car but will never be able to afford one. Not to mention the six digits of student loans as >8% interest rates (and those are government loans, y’all).

This year, we have had thousands of dollars in unexpected car repairs. Expenses we count ourselves as very lucky to be able to pay, and expenses which were also not optional. This is America, and not coastal America. You need a car.

If we fly at non-peak times of the year, taking the cheapest possible flight no matter how inconvenient, tickets are around $700-$800 round trip for us both. Nothing about the holiday season is a cheap time to fly (except, sometimes, Christmas Day and the last flight on Christmas Eve. Those are golden). Additionally, there are airport transportation costs, pet sitters, and then all the other things that happen when you travel, like it being a special occasion and people wanting to go out to eat. On an ordinary trip, we drop more than $1000. Christmas, we’re looking at spending more than a month’s rent before we buy a single present.

We just cannot do it this year. In the most technical possible way, I guess we could. There is, technically, enough money in savings for it. But it would be incredibly irresponsible.

Now, this year my cousin, who lives near my sister, just bought a giant new house. All the family is going to be gathering, it will be a huge, multi-day celebration split between the two houses.

We simply cannot do it. My parents and sister have each offered us a couple of hundred to try to offset travel costs, thinking it would get things down to a reasonable level. And all it does is carry home to me how much they don’t get it. It would still be well over a thousand dollars. We have spent every penny we managed to save up this year and more on emergencies. I’m sorry if we’re ruining the holidays for everyone. Every single time we’ve ever come to see you, it’s been incredibly expensive, but we’ve made it happen. We’ve made sacrifices every year for this. And you just don’t seem to get that. I have begged to celebrate Christmas a couple weeks before or after for years. No one cared, no one listened.

It is frustrating because my sister just seems to completely lack perspective. “Oh, it’s been expensive. I get that--it’s been an expensive year for us to, buying the new car and having three vacations this summer. It really adds up, doesn’t it?”

I wouldn’t know. We don’t take vacations.

It’s even more frustrating with my parents. Dad’s a farm kid. They didn’t have a lot of money when he was young, and my parents spent the first decade of their marriage in similar financial straits, but near family and in much cheaper areas. But when I was expressing my frustration about how impossible it is to save up for a car that works, his advice was remembering how terrible it was to be in that spot of life and “You have to break out of the cycle as quickly as you can.” That’s not advice. That’s not helpful.

I don’t have a point. Or an idea. I’m just glad I have an office, because while I know they meant well, the phone call I got offering $400 towards travel costs just made everything so very much worse and with a closed door and my hair in my face, I don’t think anyone can tell I’m just standing at my desk crying because I’m so hurt and frustrated by all of this, and I have no idea what will make it better aside from either a lot more money or people deciding that it would be nice to come see us for a change, and I know neither of those things will ever happen.

I don’t know why I’m posting this on Tumblr either. It won’t help anything, it creates the risk someone in my family will see, but I’m just so frustrated.

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