#instead of using it all to purchase the house outright

[reflectionsofgalaxies]

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[foxyanon]

Convincingly Human: Part 1

Summary: Sihtric moves to Coocham and meets an interesting woman with a secret. Takes place between Season 2 and Season 3.

Pairing: Sihtric Kjartansson x Dragon Shifter!reader

Rating: 18+, MDNI

TW: creature death by fire

Word Count: 2208

Part 2

Disclaimer: I do not own any of the characters from The Last Kingdom nor do I own any of the images used.

Dividers by @arcielee and @zaldritzosrose

He had moved to Coocham with Uhtred and the rest of the men, finally settling down after all the events following Beamfleot. Even though his lord had denied his request to marry so he may start a family, after everything that happened, he was just a bit relieved. He wouldn’t admit it, but it wasn’t until after the battle when he realized he wasn’t quite ready for that chapter of his life. At least, that is what he thought until he met her many moons after he settled into his own home.

The first time he had seen her, he was completely taken back by her beauty. Stunning would be an understatement of a word to describe her, a sentiment shared by many of the men in Coocham. She only ever visited the market once a week, purchasing supplies before leaving Coocham once more to wherever she went. Sihtric was enamored immediately, not letting the teasing and jests of his friends stop him from attempting to pursue her. He learned she didn’t live in town from the baker’s wife, apparently choosing to remain separated from society but for what reason no one could say. The day he finally gathered up the courage to approach her was one he’ll remember fondly, the way she spoke to him with genuine kindness and the way she said his name after introducing herself had his palms sweating from the nerves. It wasn’t until she practically floated away at the end of their brief interaction that he realized there was far more to her than meets the eye.

After that day, he started watching her far more closely, noting the way she carried herself with a confidence even Uhtred could not match and moved unnaturally gracefully. Her skin was flawless, not such much as even a freckle on her face. Her teeth were pearly white and straight, something he had never seen before. There were no scars or calluses on her hands, no dirty nails or even dirt on her. She was easily the cleanest woman he had ever seen, no dirt or dust on her clothes and not a hair out of place from her simple styles. In truth, she was perfect. Too perfect.

He tried bringing it up to Finan and Osferth a week later, but they brushed him off and said he shouldn’t look too far into it, both of them more concerned with enjoying the relative peace they were afforded for the time. He didn’t wish to bother Uhtred with his concerns, since he was busy with his own duties and his family. No one else was willing to hear his words on the matter and instead, he figured that he was the only one who noticed that there was something off about this woman.

It took a few months of observing and getting nowhere, so he finally decided to ask her to join him for a drink at the ale house. Perhaps if she had a little alcohol in her system, she would slip up and Sihtric would see beyond the illusion that surrounded her. Was it the proper thing to do? No, but he was too scared to ask her outright in the event he offended her and something in her demeanor warned him not to do that. When she agreed to join him that evening, he won’t deny the sheer joy he felt at the possibility of spending more than just a few moments in her presence made him forget the whole reason he asked in the first place.

The evening passed by smoothly, ale flowing and conversation moving at just the right pace, but she didn’t show any signs of being affected at all. Sihtric was dumbfounded, she had matched him mug for mug and didn’t so much as even slur a single word. The ale house was warm from all the bodies occupying the hall, and even though he was starting to sweat from heat, she seemed completely unphased by it. Gods, her face wasn’t even flushed, but no one else noticed since they were too deep in their cups or focused on their lovers.

At one point, the ale house was so loud he leaned closer to her he could say something to her only for the most potent and intoxicating scent radiating off her skin to overwhelm his senses. It was rich and smoky, slightly sweet and altogether not entirely unpleasant. He groaned softly before catching himself, his eyes locking with hers as she gave him a knowing grin. Sihtric flushed with embarrassment, clearing his throat and downing the rest of his drink and forgetting what he was doing, once again. Every time he spoke, she gave him her undivided attention and when the torch light flickered against her eyes, he swore they appeared almost serpentine and glowed with an inner fire, but when he blinked they were normal once more. He thought maybe his ale addled mind was playing tricks on him, but something in the way she smiled at him told him otherwise.

That night, after having said goodbye and parting ways, Sihtric didn’t sleep a wink as he mulled over every interaction with her. He thought himself to exhaustion, thinking how she remained a mystery even after an entire evening spent with her. She looked and acted human, but only on the surface. He couldn’t quite wrap his mind around it, refusing to believe she was something more on just blind faith. Maybe Finan and Osferth were right, he shouldn’t look too far into it, lest he find an answer he isn’t ready for. His last thought before succumbing to sleep was that he should just accept this was something he was not meant to know.

Rumors from traveling merchants had the whole of Coocham abuzz, stories of some beasts lurking within the woods and preying on the unsuspecting along the roads setting Sihtric on edge. He wasn’t completely oblivious to the rumors that unnatural creatures lurked within the forests at night, but his fear was less for himself and more for his pretty lady. He knew she lived out there alone and even if she was more than a little strange, he worried for her safety against those monsters. When he saw her next, he pulled her off to the side, wanting her to stay in town with him for the time but she refused.

”Please, my lady. It is not safe for you to be alone out there, the stories from travelers worsen everyday. Is there nothing I can say to convince you to stay in town?” He all but pleaded with her, staring into her enchanting eyes and hoping she would see reason.

“I promise you Sihtric, I will be fine. There is nothing out there that will harm me, trust me. Your concern for me is touching and I do appreciate it, but it is wholly unnecessary,” was her response before she glided off once more, leaving him at a loss for words.

He ran his hand down his face after she had left, thinking of how he could ensure her safety before deciding to do something impulsive. If she wouldn’t stay with him, then maybe he could keep an eye on her out there. Which is exactly what he would do, loading his horse with supplies for a day or two after informing Uhtred he was going to look into the rumors of these beasts. It wasn’t a complete lie, but he knew his lord wouldn’t just let him leave if he said he wanted to check in on a random woman. Finan gave him a knowing look, but he knew better than to try and stop the Dane when he had that determined look in his eye.

So, here he was, riding out towards where he guessed his mysterious lady lived as the sun began its descent in the early afternoon. It was foolish and reckless, but he was a warrior and had no fear facing that which goes bump in the night. He set up camp in a clearing after having wandered for some time, the sky varying shades of purple and blue as the sun sank low on the horizon, having not had luck finding where she might live. Normally, the sounds of the night didn’t bother him but this night was different. He couldn’t shake the feeling of being watched and he was consciously aware that he was alone out here, the moonlight casting its pale glow on the wildflowers that grew among the grass. He fell into an uneasy sleep in his bedroll, the fire dying down and the chill of the night slowly creeping into his furs.

A low growl woke him from his fitful sleep, his eyes snapping open as he saw the unmistakable yellow eyes of a werewolf staring back at him. The large beast was on all fours, saliva dripping from its open mouth and teeth gleaming in the moonlight. The two stared at each other, Sihtric cursing himself internally for not having packed a silver blade in his haste to leave Coocham as he wrapped his hand around the hilt of his sword, preparing for a fight he may not win. He knew the only way to land even a blow would come from the element of surprise and well timed dodging, as there was no way he would move faster or be stronger than the werewolf. For a beat, they merely looked at each other before the wolf launched himself at Sihtric, the latter dodging at the last moment and bringing his blade down to slash at the torso. He managed to slice a shallow cut, only serving to anger the creature much to his chagrin. The feral and now pissed werewolf backhanded Sihtric in the stomach, effectively throwing him several feet away from the small camp and knocking the wind out of him as his sword was flung from his grasp.

Just as Sihtric’s vision cleared slightly, the beast was on him, pinning him down with its large paws and snarling in his face. His hands came up to push against the creature's chest, pouring every ounce of his strength into fighting it off. Before the wolf could make the final kill, a loud roar filled the air before the ground shook and a massive dragon landed harshly not far from the fighting pair. The wolf seemed to be distracted by the newest arrival, giving Sihtric the opportunity to wiggle out from under it as the dragon slowly advanced on them, a deep rumble escaping its maw. He stared at the mythical creature, feeling light headed from both the fight and the realization that such a being existed. Sure he had heard stories, but they were supposed to be just that, stories.

The two supernatural entities growled and snarled at each other, the werewolf clearly not wanting to fight but angered its meal was interrupted. Sihtric tried to slowly make his way to his blade, giving the creatures a wide berth while keeping his eyes on them. He was breathing heavy and moving slow, the adrenaline beginning to wear off and the pain of his injuries making themselves known. No sooner than he had his sword in hand did the dragon roar lowly once more, a warning for the wolf to leave or else. Seeming to consider its options, its yellowed gaze switching between Sihtric and the scaled beast before deciding to try its luck at getting Sihtric. A foolish choice, and its last.

Before the werewolf made a bound in his direction, scorching hot fire poured from the mouth of the dragon and engulfed the werewolf. The smell of burning flush and the sound of crying wolf overwhelmed Sihtric’s already sensitive senses, and his vision blurred at the edges as he turned away and proceeded to hurl the contents of his stomach onto the barely lit ground. He used his sword as a makeshift cane as he dropped to his knees, the familiar feeling of the hilt grounding him in his rapidly shifting reality. He turned his head and looked at the dragon, who was already watching him closely. He may have imagined it, but he could swear the damned thing looked concerned for him. He had no fight left in him, a look of acceptance for his inevitable death crossing his face as he hoped the dragon would make it quick.

Naturally, this night would only get weirder for him as the beast walked a bit closer before its scales started to twist and fold in on itself, shrinking in size until the unmistakable look of human legs and arms appeared as it shifted into its mortal form. The wings wrapped around the now human, scales disappearing beneath skin as it walked closer, the face of the dragon morphing into a face Sihtric knew all too well. Horns slowly shrank into her skull and as leathery wings forced their way back into her skin between her shoulder blades. Sihtric’s vision blurred once more as the blood rushed to his head, the last thing he saw before fainting entirely being the face of the woman he had been out here for, her bare arms catching him before his head hit the ground.

Tagging: @sihtricfedaraaahvicius @whitedarkmoonflower @gemini-mama @mrsarnasdelicious @synintheraven

@zaldritzosrose @alexagirlie @legitalicat @thenameswinter99 @fallingintoyourlilaceyes

[lauralot89]

In the afternoon Mr. Renfield asked if he might see me. Poor man, he was very gentle, and when I came away he kissed my hand and bade God bless me.

Renfield is currently the only member of the cast who's not an idiot. Mina sort of gets a pass because vampire influence, but apparently the whole Crew of Light shared one brain cell and Lucy took it to the grave

I hope I have not done wrong

you have, sweetie

She looked heavy and sleepy and pale, and far from well.

Jonathan. Jonathan please. You are the only living member left of the conspiracy who was up close and personal with a vampire. SEE THE SIGNS.

Everyone noticing that something's wrong with Mina and brushing it off is giving major Revenge of the Sith vibes when Mace Windu is all "I sense a plot to destroy the Jedi" and then does nothing about it

An interview with a surly gatekeeper and a surlier foreman, both of whom were appeased with the coin of the realm

I know that Dracula is a novel about the power of friendship and research, but it's also about the power of bribery

"There was the old party what engaged me a-waitin' in the 'ouse at Purfleet. He 'elped me to lift the boxes and put them in the dray. Curse me, but he was the strongest chap I ever struck, an' him a old feller, with a white moustache, one that thin you would think he couldn't throw a shadder."

why does the thought of Dracula engaged in menial labor still amuse me so when he's been doing it through the whole book

something about mundane vampires just gets me

You know

Dracula could have just eaten the deliverymen like the day after they finished their jobs for him and then he wouldn't have left this obvious trail. Or transported the boxes himself. Or gone into the offices of the men he hired and compelled them to destroy the records. But Dracula doesn't have any brain cells either.

"Pardon me," I said, with equal politeness, "but I have a special reason for wishing to know who purchased it."

Jonathan you are a solicitor, you have to know better than to think they'll just tell you outright

This was manifestly a prig of the first water, and there was no use arguing with him.

Jonathan honey, I love you, and I support you, but why would this person tell a complete stranger who they sold a house to

I got a cup of tea at the Aërated Bread Company

what in the hell is aerated bread

Thank God, the ceasing of telling things has made no difference between us.

so I read yesterday's update to my mom last night and she kept yelling "SO STUPID" at the characters and that is how I feel right now.

agency duck

this is how I'm going to refer to real estate agents from now on

The old physicians took account of things which their followers do not accept, and the Professor is searching for witch and demon cures which may be useful to us later.

can you imagine if instead of killing Dracula to save Mina, they had to cure him? like what even happens at that point? would his human soul regain its power and be thankful, or was he just the worst even before he went vamp and now they have to deal with him using his vast fortune to bury them all in petty legal disputes for the rest of his life as revenge

I sometimes think we must be all mad

no, dear, you're just very very stupid

The attendant came bursting into my room and told me that Renfield had somehow met with some accident. He had heard him yell; and when he went to him found him lying on his face on the floor, all covered with blood. I must go at once….

GREAT WORK DOCTOR

also I forgot but yesterday's update mentioned Renfield singing gaily so to keep my word I must do it again

Pour one out for Renfield, the only character who still has a brain

[morningstarlucemon]

Housing Update - SAFE

@everyone YO, Y'ALL ARE NOT GONNA BELIEVE THIS BULLSHIT. FINALLY, i get to make the update: we're safe, MORE than safe. Thanks to your help, and a loan from a friend, we've found a functionally PERMINANT solution. I've outright purchased a trailer, with a constant lot rent of $400 and water and trash included. We are now HOMEOWNERS. We are in the process of moving as we speak. Now, as for why i've been silent for the last two to three weeks:  I mentioned we had moved once. We were able to get out of our previous apartment which we could not afford and were being evicted from. We moved into a house which was being rented out to us. However, we've since discovered that this person was illegally subletting it. Since we have been here, she has sexually harassed our roommate, broken into the house while we were asleep (which we have a recording of), left us without heat, refused to move her belongings (she is a hoarder), forced us into doing free labor under threat of eviction, opened wrong address mail, and many other unsavory things. We have now gotten in contact with the actual property owners, and are pursuing legal action against her. I don't know how much i can say about that due to it now becoming a legal issue, and the fact that we will be taking her to court. So i don't know if or when i will be able to update you all on that situation. But if i can, i will. And i wanted to let you all know why i've been silent. Once we are fully moved into our trailer, and i've had a couple days to recover from... whatever the hell this all has been, i should be able to PROPERLY return to work. I want to make a consistent streaming schedule, chew through my backlog, and get back to working on Edenfall in earnest. And now that we no longer have to worry about homelessness for the foreseeable future, and the lot rent itself is affordable even with only me working, i'm... honestly incredibly excited to be able to get back to doing the things i love, to working. Thank you all so much, truly. Without you all, we may be homeless or dead. We would've had to split up, possibly lose our animals, all our things... You guys are incredible. Thank you so much. I can't believe all this. Six years since i left my mother, six years since i hopped in a rented compact with everything i cared about and fled Florida and abuse to be with chosen family, six years since i chose to life free instead of comfortably, and now things are finally looking to get stable. Thank you. Thank you so much. You all made this possible, and i'll be forever grateful. We may need a bit of continued help until Ren and Alice get stable jobs, and until i'm able to get through my backlog. We also will need to But, for the foreseeable future, we are safe, and we should STAY safe now. And, we may even be able to save up for something else in the future. If anyone still wants to help until we're fully settled, here are our links: Our GoFundMe: https://gofund.me/4da28a83 Ko-Fi: https://ko-fi.com/shinigamiofexcellence/goal?g=33 PayPal: https://paypal.me/excellentshinigami?country.x=US&locale.x=en_US Amazon List: https://www.amazon.com/hz/wishlist/ls/2CE66WB1CWVZ9?ref_=wl_share I can't wait to see what the future brings.

Posted using PostyBirb

[carlhofelina]

Don't Hire, Outsource: The Future of SaaS Development

For a new business aiming for strong growth, especially one offering Software as a Service (SaaS), a smart move is getting help from outside experts to build your software. Your core team has great ideas about what customers need and how to get them, but building the software can take a lot of their time. 

By working with experienced software builders, you get their skills quickly, making the process faster and ensuring your software is well-made and can handle many users. This can also save money compared to hiring a big team yourself, letting you focus on understanding your customers and growing your business. Think of it as adding skilled helpers so your main team can focus on what's most important for your startup's success.

What Is Saas Development & How Is It Important?

SaaS development is the process of creating software applications hosted online (in the "cloud"), and you access them through the internet, usually via a web browser or a mobile app. Think of it like renting software instead of buying it outright. You typically pay a recurring fee (monthly or yearly) to use the software.

For your small business, embracing SaaS – either by using existing SaaS tools or by developing your own – offers significant advantages:

Lower Upfront Costs: Unlike traditional software that requires a big one-time purchase, most SaaS solutions have subscription models. This means you can start using powerful tools without a large initial investment, freeing up your precious capital for other needs.

Accessibility from Anywhere: You and your team can access SaaS applications from any device with an internet connection – be it your office computer, your laptop at home, or even your smartphone while on the go. This flexibility supports remote work and keeps everyone connected.

Automatic Updates and Maintenance: Forget about manual software updates and the hassle of IT maintenance. SaaS providers handle all of this automatically, ensuring you always have the latest features and security patches without any disruption to your work.

Integration with Other Tools: Many SaaS applications are designed to work well with other online tools, streamlining your workflows and improving efficiency for your business operations.

Access to Advanced Features (Including Potential for Machine Learning): Depending on your needs, you can access sophisticated features, and if your SaaS startup ideas involve cutting-edge technologies like machine learning, building a SaaS platform can be the most effective way to deliver those capabilities to your users.

Benefits of Outsourcing Saas Development

Launch Your SaaS Startup Ideas Faster: By tapping into readily available external experts, you can significantly speed up your development process. This means you can get your innovative software to market quicker and start generating revenue sooner, without the delays of building an in-house team from scratch.

Manage Your Budget Wisely for Startup Growth Strategies: For your small business, every peso counts. Outsourcing gives you access to specialized skills at a more predictable and often lower cost This frees up crucial capital that you can then invest in essential startup growth strategies like marketing and reaching your target customers.

Access the Latest Tech for Your SaaS Startup Ideas: The tech world moves fast. When you outsource, you gain access to professionals with experience in diverse and cutting-edge technologies. This is especially beneficial if your SaaS startup ideas involve advanced features, perhaps even elements of a machine learning startup, ensuring your platform is built with modern tools and best practices.

Focus Your Energy on Your Core Business and Startup Growth Strategies: You have a vision for your SaaS business. Let external experts handle the complexities of software development so you can concentrate on what you do best: understanding your customers, refining your business model, and implementing effective startup growth strategies to capture your market.

Scale Your Operations Flexibly as Your SaaS Startup Ideas Evolve: As your small business grows and your SaaS startup ideas take shape, you'll need flexibility. Outsourcing partners can often adjust their teams to match your changing needs, providing the scalability you require without the long-term commitments of permanent hires.

Reduce Development Risks for Your SaaS Startup: Building software can be challenging. Experienced outsourcing teams often have established processes and quality control measures, which can help you mitigate potential development risks and ensure a more stable and reliable product for your users.

Find the Right Expertise for Your Specific SaaS Startup Needs (Including Machine Learning): Whether your SaaS startup requires expertise in a particular programming language, platform, or even specialized areas like machine learning for a niche market, outsourcing connects you with professionals who have the exact skills you need.

Gain a Broader Perspective for Your Startup Growth Strategies: Working with international outsourcing partners can expose your small business to global best practices and innovative approaches, potentially informing your startup growth strategies and helping you think beyond your initial target market for future expansion.

Are You Ready For An Upgrade?

Outsourcing your SaaS development is both a wise and smart move as this provides your small business with access to specialized skills and faster development, allowing you to launch your innovative software solutions more quickly and cost-effectively.

Visit our Best Virtual Specialist to know more about our skilled virtual specialists who are ready to help your small business upgrade it to the next level.

References:

https://www.yansmedia.com/blog/in-house-animation-vs-outsourcing-cost-comparison

https://www.linkedin.com/posts/nine-hertz-india-pvt-ltd-_saas-application-development-types-benefits-activity-7321435207176265728-mVKK

© 2025 Best Virtual Specialist. All rights reserved

[citizens-reversemortgages]

What are the names for reverse mortgage?

A reverse mortgage is a financial product that allows homeowners, typically aged 62 and older, to convert part of their home equity into cash without selling their property or making monthly mortgage payments. Instead, the loan is repaid when the homeowner sells the home, moves out permanently, or passes away. While "reverse mortgage" is the most commonly used term in the United States, this financial product is known by various names and has different variations.

Alternative Names for Reverse Mortgage

In the U.S., reverse mortgages are primarily referred to as such. However, in other countries, similar products are known by different names:

Home Equity Conversion Mortgage (HECM): This is the official name for the federally insured reverse mortgage program in the United States. HECMs are backed by the Federal Housing Administration (FHA) and are the most common type of reverse mortgage.

Lifetime Mortgage: In the United Kingdom, a reverse mortgage is often called a lifetime mortgage. This product allows homeowners to release equity from their property while retaining ownership. The loan is repaid when the homeowner sells the property, moves into long-term care, or passes away. 

Equity Release: Also in the UK, the term "equity release" encompasses various schemes, including lifetime mortgages and home reversion plans, that enable homeowners to access the equity tied up in their homes. These plans allow individuals to access cash without the need to sell their property. 

Home Reversion Plan: Another form of equity release in the UK, a home reversion plan involves selling a portion or all of the home to a provider in exchange for a lump sum or regular payments. The homeowner can continue to live in the property rent-free until they pass away or move into long-term care. 

Understanding Reverse Mortgages

Reverse mortgages are designed to help seniors access the equity in their homes to supplement retirement income. Unlike traditional mortgages, where the homeowner makes monthly payments to the lender, reverse mortgages provide payments to the homeowner. These payments can be received as a lump sum, monthly installments, or a line of credit.

Eligibility Criteria

To qualify for a reverse mortgage, homeowners typically need to meet the following criteria:

Age: The borrower must be at least 62 years old.

Homeownership: The individual must own the home outright or have significant equity.

Primary Residence: The home must be the borrower's primary residence.

Financial Assessment: Lenders will assess the borrower's financial situation to ensure they can meet obligations like property taxes, insurance, and maintenance.

Pros and Cons of Reverse Mortgages

Pros:

Supplemental Income: Provides additional funds to cover living expenses, healthcare, or other needs.

No Monthly Payments: Eliminates the need for monthly mortgage payments.

Stay in Your Home: Allows homeowners to remain in their property.

Cons:

Accruing Interest: Interest and fees accumulate over time, potentially reducing the equity in the home.

Impact on Inheritance: The loan must be repaid when the homeowner sells the home or passes away, which can affect the inheritance left to heirs.

Eligibility Requirements: Not all homeowners may qualify due to age, home equity, or financial assessments.

Alternatives to Reverse Mortgages

While reverse mortgages can be beneficial, they may not be suitable for everyone. Here are some alternatives to consider:

Home Equity Loan: Allows homeowners to borrow against the equity in their home, providing a lump sum that must be repaid over time.

Home Equity Line of Credit (HELOC): Offers a line of credit based on home equity, allowing homeowners to borrow as needed and repay over time.

Cash-Out Refinance: Involves refinancing the existing mortgage for a higher amount and taking the difference in cash.

Downsizing: Selling the current home and purchasing a smaller, less expensive property can free up equity and reduce living expenses.

Personal Loan: Unsecured loans that can be used for various purposes, including supplementing retirement income.

Conclusion

Reverse mortgages, known by various names such as Home Equity Conversion Mortgages, Lifetime Mortgages, and Equity Release, offer seniors a way to access the equity in their homes. While they provide benefits like supplemental income and the ability to stay in one's home, it's essential to weigh these against potential drawbacks, including the impact on inheritance and accumulating interest. Exploring alternatives like home equity loans, HELOCs, or downsizing can also be valuable options. Consulting with Citizens Lending Group, a trusted mortgage lender in Anaheim, California, at (866) 539-5119 can help determine the best course of action based on individual circumstances.

[berelfarkas]

How to Finance Your First Real Estate Investment Property

Getting into real estate for the first time can be intimidating, especially when it comes to financing. Between the paperwork, the unfamiliar loan terms, and the sheer size of the investment, it's easy to feel overwhelmed. But once you understand the tools available to you—and how to apply them—you’ll realize that funding your first property isn’t as out of reach as it might seem. Whether you're buying a rental home, a multi-unit building, or your first fix-and-flip, the key is knowing where to look, how to prepare, and which option fits your goals.

Start with a Conventional Mortgage

If you’re looking for a straightforward option, a conventional mortgage is where most new investors begin. These loans are issued by banks or credit unions and aren’t backed by any government entity. That means you’ll need to meet the lender’s credit score and income requirements, and you’ll typically need to put down at least 20–25% for an investment property.

The upside is predictability. You’ll likely get competitive interest rates, fixed terms, and lower closing costs than some alternative financing methods. But lenders will look closely at your existing debt, your credit utilization, and the property’s income potential. Be ready to show proof of reserves, especially if the property will need renovations or you’re planning to hold it long-term.

Consider House Hacking with FHA or VA Loans

If you're open to living in the property for at least a year, house hacking can help you get into real estate using an FHA or VA loan. FHA loans allow you to buy a property with as little as 3.5% down, and VA loans require no down payment at all for eligible veterans. The trick is that the property must be your primary residence, but you can still purchase up to a four-unit building.

You’ll live in one unit and rent out the others, using the rental income to offset your mortgage and even qualify for a larger loan. This strategy is especially useful if you’re young, have limited savings, or want to enter real estate gradually while building equity and experience. And once your first year is up, you can repeat the strategy with a new property.

Use a Portfolio Loan for Flexibility

If your credit file isn’t perfect or you’ve got a unique property that banks hesitate to finance, a portfolio loan might help. These loans are kept on the lender’s books instead of being sold off on the secondary market, which means they can bend the rules a bit. Some lenders may allow smaller down payments, mixed-use properties, or even finance multiple properties at once.

This is especially helpful if you're planning to scale your portfolio quickly and run into caps on conventional loans. The catch? Interest rates tend to be higher, and you’ll need to build a relationship with the lender. But if your deal is strong and you have a track record, portfolio lending gives you more room to negotiate.

Leverage Hard Money for Fast Deals

Hard money loans are useful when you need to act quickly—whether you're making a cash offer, buying at auction, or funding a major renovation. These loans are based on the value of the property rather than your credit score or income. That makes them ideal for distressed properties that wouldn’t qualify for a traditional mortgage.

You’ll pay for the speed and flexibility though—interest rates can range from 8% to 15%, and terms are often 6 to 24 months. But if your plan is to fix and flip, or refinance into a long-term mortgage after rehabbing the property, hard money can help you close faster than the competition.

Tap into Seller Financing

In some deals, the seller may be willing to act as the lender. That means you make monthly payments directly to them, often with a negotiable interest rate, amortization schedule, and down payment. This strategy works well when the seller owns the property outright and is open to steady income over time.

Seller financing can be a game-changer if you’re struggling to qualify for a bank loan or want to minimize closing costs. Just make sure to draft a proper contract and record the agreement with a real estate attorney to protect both sides. Flexibility is the main benefit here—you can craft terms that match your budget and business plan.

Use Equity from Your Home or a HELOC

If you already own a home, you may not need to borrow from a lender at all. A home equity loan or a home equity line of credit (HELOC) allows you to tap into the value of your current residence. That cash can serve as a down payment, a full purchase amount, or renovation capital.

Using your primary home as collateral has its risks, of course. If the investment property underperforms, you’re putting your main residence on the line. But if you’re confident in the numbers and you have plenty of equity, this strategy can give you liquidity without involving a third-party investor or lender.

Bring in a Partner

You don’t always have to go it alone. A real estate partnership lets you team up with someone who either has the capital or credit that you lack. Maybe you do the legwork—finding and managing the property—while your partner funds the purchase. Or maybe you both bring different strengths to the table.

Before you shake hands, be clear about who’s doing what. Draft a written partnership agreement that covers ownership percentages, profit-sharing, exit clauses, and what happens if one partner wants out. Good partnerships are built on transparency and clear communication. They can help you scale faster and take on deals you couldn't afford solo.

Explore Crowdfunding and REITs

If you're not quite ready for a hands-on project, you can still invest in real estate through crowdfunding platforms or Real Estate Investment Trusts (REITs). Platforms like Fundrise, RealtyMogul, and CrowdStreet allow you to contribute small amounts to real estate deals across the country—residential, commercial, and everything in between.

REITs, on the other hand, are publicly traded companies that own income-producing real estate. You buy shares just like you would stock, and earn dividends based on performance. These passive strategies won't require tenant management or property maintenance, but they also don’t offer the same tax benefits or control as owning property directly.

Prepare Your Financials Before You Apply

Before you approach any lender, clean up your credit, pay down revolving debt, and get organized. Create a personal financial statement, gather two years of tax returns, and prepare a cash flow analysis if you already have investment income. If you’re buying a rental property, include projected rental income, expenses, and a contingency fund.

Being prepared signals to lenders that you’re serious, capable, and lower-risk. It also helps you compare loan offers more efficiently and avoid delays during underwriting. Strong preparation can be the difference between landing a good deal or missing out entirely.

What are the best ways to finance your first investment property?

Conventional mortgage (20–25% down)

FHA or VA loan (for house hacking)

Portfolio loan (flexible approval)

Hard money (quick access)

Seller financing (negotiable terms)

Home equity or HELOC (using existing property)

Partnerships or crowdfunding

In Conclusion

Financing your first real estate investment doesn’t have to be overwhelming. Whether you go the traditional route with a bank loan, team up with a partner, or try something creative like seller financing, the key is to match your funding method to your strategy. Understand your numbers, get your finances in shape, and don’t be afraid to negotiate. When you approach financing as a skill to master—not a hurdle to dread—you position yourself to grow smarter, faster, and with far less stress.

From conventional loans to creative financing, Berel Farkas walks you through what every first-time investor needs to know to get funded.

[calldres]

Also the fundamental lack of understanding on how computers work is astounding

Apple fans have been stuck using Apple that they forgot how any basic hardware works

1. Replaceable batteries does not mean fucking disposable batteries. You can put a battery in the phone like the one the iPhone already has in it, with housing that allows you to remove the back of the phone and put a new one in. Those already exist, are highly accessible, and the only thing that needs to be changed is to have the backplate removable by a user and the battery to have a slot for it instead of being hardwired in (which is only done to prevent repairability and is more costly to produce it that way then to use the battery the way it was already made, which is to be slotted in and out via battery contact)

2. Changing OS would never need to be implemented with a fucking toggle switch. You do that within the OS itself. Computers let you do this already. (Tho if they figure out how to implement a litteral OS toggle switch that would be baller as fuck and I would applaud the effort)

3. They wouldn't need a bullet proof screen protector if the iPhone screens weren't made with the Most Fragile Glass Known To Man. I have a Samsung s21 plus and i can spike this thing into the ground and it doesn't crack. Smart phone screens have been this good for a very long time. Catch up please.

4. EU doesn't ask for fuckjng USB A. They ask for a non-proprietary port. That means no lightning cable. The only other option isn't USB A. We've had USB B and Micro USB for over a decade. But those outdated cables aren't what the EU is expecting of Apple. They're expecting USB C.

You know, what everybody else on the planet has been making and wanting to use for a long time now. It's faster, can be plugged in either upright or upside down and work the same, and is highly available just about everywhere that sells electronics.

4. I'm pretty sure the joke of including a bunch of older ports like the AC power port, RCA, radio, a floppy drive and all that is cus they genuinely believe apple when they say headphone jacks and SD ports are outdated. They're not. They're the standard and the best of what we have at the time. Wireless connections are never as reliable, usable, or able to be maintained as an outright cable you plug directly into the device, and just about every device on the planet being produced today still uses SD cards because it's accessible and good. You can add 256 gigs to your phone with a bare minimum SD card right now if you wanted.

And yes that's the bare minimum. You could add a full terabyte

Want a phone that can have 1000 more gigs added to it on an impulse purchase? Do what the EU asks.

ok this looks ultra mega based, are you kidding me? can you imagine the bullshit i could get up to with this bad boy? fuck yes i want ten

[lizseyi]

Government Plans To Abolish Leasehold Flats And Introduce Commonhold By 2029 - Portner

The government has announced significant reforms aimed at abolishing the traditional leasehold system for flats, transitioning instead to a commonhold model. This move seeks to address longstanding criticisms of the leasehold system, which has often been viewed as outdated and unfair to homeowners. In this article, senior associate Joe Genco examines the government’s proposed reforms.

Understanding freehold, leasehold and commonhold

Property ownership in England is primarily divided into freehold and leasehold tenures. Freehold ownership is perpetual, while leasehold ownership (the default for flats) is time-limited.

Under the leasehold system, homeowners purchase the right to occupy a property for a specified period (typically 99, 125 or 999 years), but the freeholder owns the land and building. This arrangement can lead to issues such as escalating ground rents, high service charges and limited control over property management.

In contrast, commonhold offers a form of freehold ownership where individuals own a “unit” (ie, their individual flat) outright within a shared building, and owners collectively manage shared areas through a commonhold association.

This structure provides greater autonomy and eliminates many pitfalls associated with leasehold ownership. This model, similar to those in North America, Australia and Europe, is nothing new. Commonhold was, in fact, introduced in England in 2002 via the Commonhold and Leasehold Reform Act 2002 but saw limited uptake due to its complex legal framework. Commonhold was said to be incompatible with mixed-use developments or shared ownership and has been criticised by lenders for failing to protect their interests.

Implications and challenges of the proposed reforms

The shift to commonhold is expected to empower homeowners with more control over their properties, potentially leading to more transparent management practices and financial arrangements.

The government wants commonhold to become the standard tenure by the end of this parliament (ie, 2029). New leasehold flats will be banned, and commonhold will become the default tenure. By banning new leasehold flats, the government aims to modernise property ownership, aligning it with practices common in other countries. However, it will not ban the sale of leasehold flats until it is confident that reformed commonhold is viable.

Converting existing leasehold properties to commonhold is a significant challenge, and one that the government acknowledges needs more consideration. The initial legislation (the Commonhold and Leasehold Reform Act 2002) was complex and has been hampered by limitations, including requiring unanimous consent for a conversion to commonhold.

Further, the leasehold model is deeply entrenched in the property market, and many potential buyers, investors, developers, lenders and property professionals are not familiar with the commonhold system. There was no compulsory element to the previous legislation, and bar a few exceptions, most have chosen to stick with what they know rather than risk an untested model.

The government plans to tackle these issues head-on by:

Ensuring commonhold works for all types of ownership, including mixed-use buildings and shared ownership homes

Offering developers greater flexibility over development rights

Giving mortgage lenders greater assurance regarding their security

Strengthening the management of commonholds by imposing new rules for appointing directors, setting clear standards for repairs and mandating the use of reserve funds.   

What is the timetable for reform?

As mentioned above, the government wants commonhold to become the standard tenure of residential property ownership by 2029.

The Ministry of Housing, Communities and Local Government plans to publish a draft Leasehold and Commonhold Reform Bill for pre-legislative scrutiny in the second half of 2025. This will include detailed proposals for converting existing leasehold properties and implementing the reformed commonhold regime.

Consultations on banning new leasehold flats and introducing a new code of practice for commonhold management are also expected later this year. The government will seek input from industry and consumers on fundamental points such as potential exemptions for legitimate use and how to minimise disruption to the housing supply.

If you have any queries about the new commonhold proposals, please contact Joe Genco at jg@portner.co.uk. 

Visit Our Website: https://www.portner.co.uk

Get in touch today to speak to an expert :

Telephone: 020 7616 5300

[forrestaurantsca]

Smart Financing Solutions for Restaurant Furniture

Opening or renovating a restaurant is an exciting venture, but furnishing the space can be a significant investment. High-quality tables, chairs, booths, bar stools, and patio furniture are essential to creating an inviting dining experience. If purchasing everything upfront seems daunting, financing solutions can help spread out costs while maintaining cash flow. Here’s how you can finance your restaurant furniture smartly.

1. Why Finance Restaurant Furniture?

Preserve Cash Flow – Avoid depleting funds on upfront costs and keep capital for operational expenses.

Upgrade to High-Quality Furniture – Financing allows you to invest in durable, stylish furniture without cutting corners.

Flexible Payment Options – Monthly installments make budgeting easier and predictable.

Potential Tax Benefits – Some financing options offer tax deductions under Section 179, allowing you to write off furniture expenses.

2. Popular Restaurant Furniture Financing Options

Equipment Leasing

Leasing furniture instead of buying outright can be a cost-effective choice. You pay a fixed monthly fee for a set term, and at the end of the lease, you may have the option to buy, upgrade, or return the furniture.

Pros: Low upfront costs, flexible terms, tax advantages

Cons: You don’t own the furniture unless you opt for a buyout

Business Loans

Traditional bank loans and Small Business Administration (SBA) loans offer funding for furniture purchases. These loans typically have competitive interest rates and structured repayment plans.

Pros: Ownership of furniture, long repayment terms, potentially lower interest rates

Cons: Requires good credit and financial history, longer approval process

Business Credit Cards

Using a business credit card with a 0% introductory APR can be an effective short-term financing solution. This option is best if you can pay off the balance before the interest kicks in.

Pros: Quick access to funds, potential rewards or cashback

Cons: High interest rates if not paid in full, limited credit lines

Vendor Financing

Some restaurant furniture suppliers offer in-house financing with flexible payment plans.

Pros: Convenient, may have lower qualification requirements

Cons: Higher interest rates, limited to specific vendors

Crowdfunding & Investors

If you have a unique concept, crowdfunding platforms or private investors might be willing to finance your furniture needs in exchange for equity or rewards.

Pros: Alternative to traditional loans, no repayment if structured as equity funding

Cons: Requires marketing efforts, may involve giving up ownership stakes

3. Tips for Choosing the Right Financing Option

Assess your budget and cash flow to determine what you can afford.

Compare interest rates, repayment terms, and total cost of ownership.

Check credit score requirements and ensure eligibility before applying.

Consider future growth—choose a solution that allows for scalability.

4. Final Thoughts

Financing your restaurant furniture can be a smart strategy to help manage expenses while maintaining a high-quality dining experience for your customers. Whether through leasing, loans, or vendor financing, explore all available options to find the best fit for your business needs.

By making informed financial decisions, you can furnish your restaurant stylishly and affordably, ensuring long-term success without unnecessary financial strain.

[queenoffishingandcookies]

In a GB AU where the adults of the Ushiromiya Family were genderswapped, it’s interesting to consider whether the Guesthouse would exist or not.

In the VN, Krauss works as a real estate investor. In other words, he purchases or develop lands he already owns to raise the value, and then sells that land to others - or works with land-use agencies - to turn a profit.

Between being scammed out of his money by shady companies meant to help with the projects and legitimate business not turning out expected profits as he misjudged the economic boom of Japan around this time, Krauss ends up in debt.

This results in him embezzling his father’s assets, which his siblings accuse him of, in the bids of making big on enough money to invest in his failing projects so that, when the boom occurred, he could get out of his debt.

As early as 1983/1984, Krauss had the intention of converting Rokkenjima into a private resort. Toraian - the Guesthouse - was initially built as a hotel for guests of that resort, although the plan fell through.

In a Genderbent AU, considering the extreme gender roles that the Ushiromiya family are saddled with, Fem! Krauss (Kristine) wouldn’t be driven to to building the guesthouse - and it’s unlikely that the resort would even be conceptualized at all.

It wouldn’t exist because it’s very likely she wouldn’t be working as a real estate investor at all. Instead, it would be her husband (Natsuhi) who was working.

So, now I’m thinking about why would the guesthouse have been built? And also what Natsuhi’s job would be.

It’s easy enough to just translate their jobs over:

- We have no clue what sort of business Kyrie and Rudolf run other than it’s shady, and apparently they’re getting sued by another company in America.

- Hideyoshi founded a restaurant chain in canon. In this AU, Hideyoshi would be a woman - but for the sake of my sanity, for the time being, I’m assuming that yes, that restaurant chain still exists in the GB AU. M! Eva, preconceived gender roles + business wife who both does/doesn’t fulfill expected gender roles = yes.

- Rosa’s fashion company still exists.

So, M! Natsuhi could turn out to be a real-estate investor (…just one who has more common sense than canon Krauss).

Still doesn’t answer the Guesthouse conundrum though.

For reference, I’m making this post based on the assumption that Kinzo was still alive when the guesthouse was being built, and likely either gave Krauss permission or just - didn’t care, since he was dying and more focused on the gambled miracle of the epitaph being solved.

In Legend, it’s mentioned by George that the Guesthouse was built in 1984 - that Krauss and Natsuhi made the visiting family members sleep over at there instead of at the mansion after that.

"Correct! It was built the year before last. And after that, they made us sleep over here.

George’s line above implies that they only started staying in the guesthouse post-1984 conference. Meaning the first time the guesthouse was used by the Ushiromiya Family was 5th October, 1985.

It lines up, since Kinzo died 29th November, 1984. He was still alive during the 1984 family conference, and it’s somewhat safe to assume that the relatives all stayed in the mansion.

Firstly: If Kinzo himself had told the rest of the extended family to stay in the guesthouse, I think - if George wasn’t just generally referring to the head house here - that he would have instead said “Grandfather made us sleep over here after that”.

He doesn’t though. George says “they”, which makes me think of a unit/pair, and the two options we have for the authority figures on the island are either the head house as a whole (Kinzo, Krauss, Natsuhi) or Krauss and Natsuhi themselves - which, in the end, is the same exact thing because Kinzo possibly wouldn’t care and is already dead in 1986.

Secondly: though it’s never outright stated, I think one of the reasons all the relatives are sent off into the guesthouse during the 1985-1986 conference is because Krauss and Natsuhi are trying to keep up the illusion that Kinzo is still alive.

The process of the rest of the family bringing their luggage to the guest house, admiring the new building, etc, all provides them time needed to get their story straight about where Kinzo ‘is’ at the time. They aren’t in the family mansion, where Kinzo spends most of his time, when he isn’t vanishing on a whim to take a walk.

(Also, it puts the otherwise vacant building to use).

[carlhofelina]

Don't Hire, Outsource: The Future of SaaS Development

For a new business aiming for strong growth, especially one offering Software as a Service (SaaS), a smart move is getting help from outside experts to build your software. Your core team has great ideas about what customers need and how to get them, but building the software can take a lot of their time. 

By working with experienced software builders, you get their skills quickly, making the process faster and ensuring your software is well-made and can handle many users. This can also save money compared to hiring a big team yourself, letting you focus on understanding your customers and growing your business. Think of it as adding skilled helpers so your main team can focus on what's most important for your startup's success.

What Is Saas Development & How Is It Important?

SaaS development is the process of creating software applications hosted online (in the "cloud"), and you access them through the internet, usually via a web browser or a mobile app. Think of it like renting software instead of buying it outright. You typically pay a recurring fee (monthly or yearly) to use the software.

For your small business, embracing SaaS – either by using existing SaaS tools or by developing your own – offers significant advantages:

Lower Upfront Costs: Unlike traditional software that requires a big one-time purchase, most SaaS solutions have subscription models. This means you can start using powerful tools without a large initial investment, freeing up your precious capital for other needs.

Accessibility from Anywhere: You and your team can access SaaS applications from any device with an internet connection – be it your office computer, your laptop at home, or even your smartphone while on the go. This flexibility supports remote work and keeps everyone connected.

Automatic Updates and Maintenance: Forget about manual software updates and the hassle of IT maintenance. SaaS providers handle all of this automatically, ensuring you always have the latest features and security patches without any disruption to your work.

Integration with Other Tools: Many SaaS applications are designed to work well with other online tools, streamlining your workflows and improving efficiency for your business operations.

Access to Advanced Features (Including Potential for Machine Learning): Depending on your needs, you can access sophisticated features, and if your SaaS startup ideas involve cutting-edge technologies like machine learning, building a SaaS platform can be the most effective way to deliver those capabilities to your users.

Benefits of Outsourcing Saas Development

Launch Your SaaS Startup Ideas Faster: By tapping into readily available external experts, you can significantly speed up your development process. This means you can get your innovative software to market quicker and start generating revenue sooner, without the delays of building an in-house team from scratch.

Manage Your Budget Wisely for Startup Growth Strategies: For your small business, every peso counts. Outsourcing gives you access to specialized skills at a more predictable and often lower cost than hiring a full-time team. This frees up crucial capital that you can then invest in essential startup growth strategies like marketing and reaching your target customers.

Access the Latest Tech for Your SaaS Startup Ideas: The tech world moves fast. When you outsource, you gain access to professionals with experience in diverse and cutting-edge technologies. This is especially beneficial if your SaaS startup ideas involve advanced features, perhaps even elements of a machine learning startup, ensuring your platform is built with modern tools and best practices.

Focus Your Energy on Your Core Business and Startup Growth Strategies: You have a vision for your SaaS business. Let external experts handle the complexities of software development so you can concentrate on what you do best: understanding your customers, refining your business model, and implementing effective startup growth strategies to capture your market.

Scale Your Operations Flexibly as Your SaaS Startup Ideas Evolve: As your small business grows and your SaaS startup ideas take shape, you'll need flexibility. Outsourcing partners can often adjust their teams to match your changing needs, providing the scalability you require without the long-term commitments of permanent hires.

Reduce Development Risks for Your SaaS Startup: Building software can be challenging. Experienced outsourcing teams often have established processes and quality control measures, which can help you mitigate potential development risks and ensure a more stable and reliable product for your users.

Find the Right Expertise for Your Specific SaaS Startup Needs (Including Machine Learning): Whether your SaaS startup requires expertise in a particular programming language, platform, or even specialized areas like machine learning for a niche market, outsourcing connects you with professionals who have the exact skills you need.

Gain a Broader Perspective for Your Startup Growth Strategies: Working with international outsourcing partners can expose your small business to global best practices and innovative approaches, potentially informing your startup growth strategies and helping you think beyond your initial target market for future expansion.

Are You Ready For An Upgrade?

Outsourcing your SaaS development is both a wise and smart move as this provides your small business with access to specialized skills and faster development, allowing you to launch your innovative software solutions more quickly and cost-effectively.

Visit our Best Virtual Specialist to know more about our skilled virtual specialists who are ready to help your small business upgrade it to the next level.

References:

https://www.yansmedia.com/blog/in-house-animation-vs-outsourcing-cost-comparison

https://www.linkedin.com/posts/nine-hertz-india-pvt-ltd-_saas-application-development-types-benefits-activity-7321435207176265728-mVKK

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