#international bond market

[siliconpalms]

Luxembourg: The Premier Hub for International Bond Listings

Luxembourg has long been recognized as a pivotal center for finance, but its role in the listing and trading of international bonds is particularly noteworthy. As the global leader in this domain, the Luxembourg Stock Exchange (LuxSE) offers a compelling case study of how a financial marketplace can achieve prominence through innovation, strategic positioning, and an investor-friendly regulatory…

[ajmeraxchange1]

Choosing the Right Type of SIP: A Guide for Investors

Investing in mutual funds through a Systematic Investment Plan (SIP) is one of the most effective ways to build wealth over time. However, with various types of SIPs available, choosing the right one can be a bit overwhelming. In this guide, we'll break down the different types of SIPs and help you understand how to choose the one that best suits your financial goals. We'll also explore how tools like the SIP return calculator can aid in making informed decisions and why mutual funds are a preferred option for mutual fund investment in India. What is a SIP? A Systematic Investment Plan (SIP) is a method of investing in mutual funds, where a fixed amount is automatically deducted from your bank account at regular intervals (monthly, quarterly, etc.) and invested in a chosen mutual fund scheme. SIPs are popular because they promote disciplined investing, reduce the impact of market volatility, and allow investors to benefit from rupee cost averaging. Types of SIPs Regular SIP A Regular SIP is the most common type, where you invest a fixed amount at regular intervals, typically monthly. This type of SIP is ideal for investors who want to build a habit of regular investing without worrying about market conditions. It is a simple and straightforward approach to mutual fund investment in India, suitable for both beginners and experienced investors. Flexible SIP A Flexible SIP allows investors to change the investment amount based on their financial situation. For instance, you can increase the SIP amount when you have surplus funds or reduce it during financial constraints. This flexibility makes it an attractive option for those who have irregular income or want the ability to adjust their investments as per their cash flow. Top-up SIP Top-up SIPs are designed for investors who wish to increase their investment amount periodically. For example, you can opt to increase your SIP amount by a certain percentage every year. This helps in accelerating wealth creation, especially if your income is expected to grow over time. A SIP return calculator can be particularly useful in estimating the potential returns from a Top-up SIP, taking into account the incremental investments. Perpetual SIP A Perpetual SIP continues indefinitely until you instruct the mutual fund company to stop it. Unlike regular SIPs, which are typically set for a specific tenure (e.g., 1 year, 3 years), Perpetual SIPs do not have an end date. This is ideal for long-term investors who want to stay invested for extended periods, leveraging the power of compounding. Trigger SIP A Trigger SIP is more sophisticated and is suited for experienced investors who want to invest based on certain triggers. These triggers could be market levels, index values, or specific dates. While Trigger SIPs offer the opportunity to capitalize on market movements, they require a good understanding of market dynamics and regular monitoring.

[probablyasocialecologist]

The economic indicators speak of nothing less than an economic catastrophe. Over 46,000 businesses have gone bankrupt, tourism has stopped, Israel’s credit rating was lowered, Israeli bonds are sold at the prices of almost “junk bonds” levels, and the foreign investments that have already dropped by 60% in the first quarter of 2023 (as a result of the policies of Israel’s far-right government before October 7) show no prospects of recovery. The majority of the money invested in Israeli investment funds was diverted to investments abroad because Israelis do not want their own pension funds and insurance funds or their own savings to be tied to the fate of the State of Israel. This has caused a surprising stability in the Israeli stock market because funds invested in foreign stocks and bonds generated profit in foreign currency, which was multiplied by the rise in the exchange rate between foreign currencies and the Israeli Shekel. But then Intel scuttled a $25 billion investment plan in Israel, the biggest BDS victory ever.  These are all financial indicators. But the crisis strikes deeper at the means of production of the Israeli economy. Israel’s power grid, which has largely switched to natural gas, still depends on coal to supply demand. The biggest supplier of coal to Israel is Colombia, which announced that it would suspend coal shipments to Israel as long as the genocide was ongoing. After Colombia, the next two biggest suppliers are South Africa and Russia. Without reliable and continuous electricity, Israel will no longer be able to pretend to be a developed economy. Server farms do not work without 24-hour power, and no one knows how many blackouts the Israeli high-tech sector could potentially survive. International tech companies have already started closing their branches in Israel. Israel’s reputation as a “startup nation” depends on its tech sector, which in turn depends on highly educated employees. Israeli academics report that joint research with universities abroad has declined sharply thanks to the efforts of student encampments. Israeli newspapers are full of articles about the exodus of educated Israelis. Prof. Dan Ben David, a famous economist, argued that the Israeli economy is held together by 300,000 people (the senior staff in universities, tech companies, and hospitals). Once a significant portion of these people leaves, he says, “We won’t become a third world country, we just won’t be anymore.” 

19 July 2024

[dayofbanks]

Money Markets, Bond Markets, and Mortgage Markets.

Capital markets consist of money market, bond market, mortgage markets, stock market, spot or cash markets, derivatives markets, foreign exchange and interbank markets. Money market instruments consist of Treasury bills, federal agency notes, certificates of deposit (CD), commercial papers, bankers’ acceptances, repurchase agreements (repos), among others. The securities market consists of primary and secondary markets. The primary market works with new issues whereas the secondary market is meant for trading of existing issues. Capital market instruments include Treasury notes, Treasury bonds, municipal bonds, corporate bonds. Corporate bonds consist of zero coupon bonds, floating rate bonds, and convertible bonds. Bond ratings are assigned by credit rating agencies (e.g., S&P, Moody’s, etc.). The major debt issued in the international market includes euro banknotes, Eurobonds, euro medium-term notes, global and foreign bonds. The three major groups in bond market are issuers, underwriters, and purchasers. Mortgage-backed securities (MBS) are created through the process of securitization. The different types of MBS include pass-through securities and collateralized mortgage obligations.

Learn more about Money Markets, Bond Markets, and Mortgage Markets related to the publication - Strategies of Banks and Other Financial Institutions: Theories and Cases.

[dollar-and-sense]

Diversification: Spreading Your Investment Risk for Long-Term Growth

Introduction: Welcome to another insightful blog post on personal finance and investing. Today, we’ll be delving into the concept of diversification and its vital role in spreading investment risk for long-term growth. Whether you’re a seasoned investor or just starting out, understanding and implementing diversification strategies can significantly enhance your investment portfolio’s stability…

[couldeatthatgirlforlunch]

I really loved your scenario of The Justice League AND The Ill reader,Lmao, poor reader they only need a rest.

Anyway, ever since I read the first part I was thinking about the kids, you know, the League Sidekicks, obviously The Reader knows them, due to work (I can really imagine Batman introducing His kids to the Reader to force a bond , And obviously The rest of The League does the same) So I had the headcanon that the reader really likes the children, they talk to them after missions, sometimes they buy them some gifts for their birthdays, they listen to them when they complain about their father figures (Therapist Reader), etc. But at the same time I can imagine The Reader being totally uncomfortable with his parents, so I can't help but think of a scenario in which The Reader is talking to the League kids in a good mood, but the League members walk in. to the room (They obviously saw the Happy Reader, so they want to gain some advantage) And The Reader just turns off, goes into business mode and is curt as always with the league, and when he finishes talking to the league, he goes back to talking to the children and their mood is happy again. Man I would love to see the league's reaction to the obvious reader favoritism

PD:I really love your work, you are amazing

Pd2:If The kids are yandere, ITS UP to you

A Week in Life: Take Your Kid to Work Day

Synopsis: A week in your life where you get a lot of new little friends, even if you know something’s sketchy about it.

Pairing: Yandere!Justice League X Assistant!Gn!Reader; Platonic!Yanderes! Robin (Dick), Superboy (Konner), Miss Martian, Kid Flash (Wally) and Aqualad (Kaldur'ahm)

Tw: A single implication about Hal’s past dub/non con incidente (blink and you miss it); Implied emotional manipulation, I guess? Justice League using kids as a manipulation tactic; A little angst, I think we all hate how Superman treated Conner, so I added that, so technically not a healthy relationship between them here, could be interpreted as Superman manipulating him or Superboy trying too hard to make his bio-dad like him; The kid’s ages are definitely not accurate canon wise, but what is canon anyway? I mixed their personalities and origins from Young Justice (along with their age gap) and for Superboy it was mainly the animated movie Reign of the Supermen; English is not my 1st language.

Word count: 3,3k

Requested? More than once.

Extra notes: Dick is 10, Kaldur'ahm, Conner, Megan and Wally are 13. I wish I knew more about the Wonder Girls to write about one of them, I felt bad for not adding them, but I would’ve felt worse writing for a character I have no idea how to write.

General masterlist | A Day in Life - Series masterlist

— I wasn't aware that there was a Take Your Kid to Work Day on schedule... — You said in a surprised, maybe taken aback, tone, if not a little strangled and sarcastic, even if a little happy. You rubbed your forehead, you knew your hunch was right…

Monday…

You’ve heard the rumors Gotham media was spreading for months now, you even asked Batman if you should prepare the marketing team in case of an emergency, he denied everything.

So why was it that now you were staring at a 10 year old dressed as a traffic light?

— Miss/Mister/Mx (Y/N)... I’m hungry… — Worst of all? The kid was cute.

You smile in a friendly manner.

— Okay, okay. Just give me a second, buddy, I need to talk to your… Dad…?! — You just now realized you didn't know their actual relationship. Batman only told you his name was Robin, that he was his partner, and that he was in the watchtower to observe. You didn't know superheroes accepted 10 year old interns, but whatever. The kid just stared blankly at you, not giving an actual answer to if you got your assumption right.

— Can I go with you? — Robin fiddled with his fingers. So cute. You nodded with a small smile. The kid jumped off his too big chair and ran towards you, surprising you by taking your hand. He had small hands. So cute.

You walked slowly, to accommodate to his height, in the direction of the door to the briefing room, where Batman was talking to John Stewart. This other Green Lantern was a breath of fresh air. The other one (the one who shouldn't be named) was away, working on another district of the universe since that whole… Less-than-consensual situation. You were happy and surprised when the League didn't just brush it off, and even compensated you for it, alongside making him go away. He either agreed to that, or caused the 3rd World War against the Justice League. It was a temporary predicament, but happier nonetheless, since John wasn't obsessed with you, unlike the rest of them, and easy to work with.

You cleared your throat so they would turn to you.

— Does Robin have any restrictions? He said he's hungry so I'm gonna take him to the kitchen. — You said politely. Batman shook his head.

— Just don't give him sugar. He needs to sleep before patrol tonight. — You raised your eyebrows in surprise and nodded your head. Batman looked at the boy. — Behave, chum. — You blinked, Robin nodded solemnly.

As you walked in the direction of the kitchen, the kid showed to be very happy and talkative. You were surprised, considering who his dad was, but it warmed your heart. At least it seemed he wasn't mistreated.

At some point, he let your hand go and started cartwheeling and doing acrobatics all the way there to show off his abilities to you. You gasped and clapped, praising his talent along with other workers from the crew who were passing the hall. You were slightly worried that he would fall and get hurt, but the kid was really confident in what he was doing (but they always are, until they fall).

When you got there, you were impressed that he wasn't even the slightest out of breath.

— Do you have games on your phone? — He asked, sitting down on a table while you rummaged the fridge for some sandwiches or any healthy snack, since you didn't know how his home diet was, but guessing by his build, which was a lot more athletic than kids his age are, he was probably pretty healthy. Son of the Bat.

— Hmm, I have Dress to Impress, Pou and Candy Crush.

— What is Pou? — Your heart panged and you sighed, feeling old.

— When were you born? 2010? — You walked towards him and settled a plate with a sandwich in front of him, before pouring a cup of juice.

— 2014. — Your mouth dropped, speechless. — Wait, so not even Stardew Valley? — You cleared your throat and shook your head, sitting beside him, while he started eating.

— Wait, can I even let you play? Does Batman let you have screen time? — He nodded.

— I have a phone. I just couldn't bring it with me today… He said he would show me around the tower, but he got busy with work… — He deflated a little at the end of the sentence, your heart broke. — Anyway… He told me I could distract myself. I just need your permission. — You bite your lip.

— Okay. How about we go to the recreational room and you can play some videogames while I work from the computer. — Robin nodded eagerly.

— Damn, you can't even play with me? Working sucks. That must be why adults are so boring. — You took a napkin and cleaned some food from his cheek.

— It's not that bad… You can do whatever you want. — He perked up.

— I guess so… — He looked you up and down. You prepared yourself for one of those moments where kids are so blunt that they don't know they could offend someone. — But you're not boring, (Y/N), you're cool. Must be why daddy likes you so much. And he doesn't like no one.

Tuesday…

Wow, what a weird coincidence. Just yesterday Batman brought his kid, and now Martian Manhunter brought his niece.

Miss Martian looked older than Robin, but again, she was a martian, her appearance was shifted to whatever she wanted to look like. All you knew was that she was young and new on Earth.

Right now, she looked very human. She had freckles and auburn hair. The only thing that made her stand out was the green of her skin.

When she presented herself to you, you got startled by her voice in your head, but you and Martian Manhunter softly explained to her that on Earth people didn't communicate through their minds, and it was kinda like an invasion of privacy. Kinda funny hearing him say that, but whatever.

Like Batman the day prior, Martian trusted the girl in your hands. So many coincidences, right?!

— So, honey, how old are you?

— Oh, on my home planet I should be about 39. But converting to Earth years, I’m 13. — She said with a shy but friendly smile, you smiled back.

— You’re pretty young then. How are you settling on Earth? Planning to go to school maybe? — She nodded.

— I just started the school year… I wasn't too sure about that, but my uncle said it would be good to learn human behaviors. — You nodded.

— American school is nice, I recommend you should take part in clubs. And don't feel pressured to make a billion friends. It's better to have one good friend, instead of 10 people you know but can't rely on. — She nodded, biting her lip.

— I already know some of the other sidekicks, I just don't have any civilian friends… I was thinking about joining the cheerleading team. — You gasped, excited.

— Oh, that's really good! I always wanted to join, but was never the sporty type. You’re sweet, I think that already gives you some points. — Her green cheeks got darker.

— You think so?! — Her voice got louder with excitement.

— Of course! Now let me give you some tips about the jocks, honey…

Wednesday…

Today, Flash brought Kid Flash. You haven't met him until now. The sequence of days the older heroes brought in their sidekicks was starting to look weird… But not that weird. Batman said he would give Robin a tour but became unavailable. Manhunter wanted Miss Martian to meet civilian people and have a good role model — you don't know why he decided that that role model should be you, but it made sense, so… —. Flash Said they would spend the day using the lab to experiment some more on Kid Flash’s still recently acquired powers. So. Coincidences, right?

The boy was 13 too, he had messy red hair and green eyes. Flash didn't specify their relationship, but their personalities definitely matched a little. Both a little hyperiperactive and smiley. Although that could be more of a speedster thing, especially the first part.

Like promised, they spent half that day on the lab, occasionally calling you for snack breaks. However, at some point, Flash gave an excuse and left you with the kid.

Huh.

— Sooo, what do you do around here? — Kid Flash asked, spinning around in a chair he found somewhere and rolled to the middle of your office in the blink of an eye. You half-smiled. It was nice not being crowded by those weirdos and being around fresh and youthful people, but it was starting to feel weird.

— I plan schedule appointments, organize team meetings, prepare agendas and itineraries, book meals and travel arrangements, handle record keeping and documentation, and make sure a project stays on budget. — The ginger blinked and stopped spinning.

— Uhh, you went to college for that? — You blinked.

— I did, why? — He chuckled slightly.

— Nothing, it's cool, sounds boring, though. — You nodded.

— What do you want to work with? — He looked to the side, thoughtful for a moment.

— I think I want to be a scientist.

— Oh really?

— Yeah, I like physics, mechanics and a little bit of chemistry. — You smirked.

— Chemistry? Sounds boring. — Kidflash froze for a second, wide-eyed, then relaxed and started laughing loudly. His chuckling prompted you to chuckle alongside him.

He used his feet to push the chair around your table and stopped at your side.

— Hey, can I see how much people get paid here? If I'm gonna be a member of the League one day, might as well optimize time and just work here. — You slapped his hands away when he reached for your computer, he pouted.

— Wouldn't that make it difficult to keep your secret identity hidden?! — Kid Flash stretched his arm, then draped it across your shoulders, you lifted an eyebrow.

— Babe. I'm a superhero. I could change clothes really fast right now and you wouldn't even notice. — You scoffed and lightly pushed him and his chair away.

— A phone booth would be more appropriate for that.

— What's a phone booth?

Thursday…

Superman brought Superboy.

Why the fuck are they doing that, bro?

You didn't even know they were close! Sure, Superboy is Superman and Lex Luthor’s clone, the whole world knew that, and that Superboy took to Superman's side. But they were never seen together, unlike Flash and Kid Flash, or Batman and Robin, for example.

Worst of all? It looked like the mood between them was… Weary. Especially on Superman’s part. Did he not trust Superboy? You could understand that… But look at his puppy sad face!

And not even five minutes later, Superman just flew away, saying something about a hurricane in Texas, AND SUPERBOY STAYED!

The silence was awkward for a few seconds. You thought back to the personality he showed when he was first announced by LexCorp, when Superman was considered dead. He was all over the media (Lex’s marketing team was good) with his charisma and flirty personality. Although he kept the leather jacket, his quietness surprised you.

You cleared your throat.

Superman brought Superboy.

Why the fuck are they doing that, bro?

You didn't even know they were close! Sure, Superboy is Superman and Lex Luthor’s clone, the whole world knew that, and that Superboy took to Superman's side. But they were never seen together, unlike Flash and Kid Flash, or Batman and Robin, for example.

Worst of all? It looked like the mood between them was… Weary. Especially on Superman’s part. Did he not trust Superboy? You could understand that… But look at his puppy sad face!

And not even five minutes later, Superman just flew away, saying something about a hurricane in Texas, AND SUPERBOY STAYED!

The silence was awkward for a few seconds. You thought back to the personality he showed when he was first announced by LexCorp, when Superman was considered dead. He was all over the media (Lex’s marketing team was good) with his charisma and flirty personality. Although he kept the leather jacket, his quietness surprised you.

You cleared your throat.

— So… Are you hungry? Wanna play videogames? — You grimaced slightly. He looked at you again, a little hesitant.

— Uh… I think so? — He blinked. — You guys have videogames here?! — He exclaimed, surprised. You chuckled.

— Oh yeah, for such a serious and stern guy, Batman really invested in the work environment. — You chuckled together, walking towards the recreational area.

You were curious about the earlier weird vibe, but didn't want to prod.

At first, you just let the boy play by himself, just sitting beside him and working while talking, that was until he paused the game between missions and stretched, then looked at you.

— Are you guys involved? — You looked at him with your eyebrows raised.

— You guys…? — He pursed his lips.

— You and Superman. — You grimaced slightly.

— Oh no, he's my boss, and not my type at all. — He nodded, looking pensive.

— He likes you. — You kept a blank expression, waiting for him to continue. — I like you too, so I can imagine why he likes you. — You stared at him, exasperated. He widened his eyes. — Not like that! — He raised his hands to deny. — It's just- I feel comfortable with you. I felt comfortable with some of his friends before, I didn't even know why, but I think it's because half of me is from him. Like I have some things from Lex since I was… Born… — He looked to the ground for a second, pouting lightly. — That's why Superman doesn't like me. — You widened your eyes.

— I'm sure he likes you! — Superboy looked at you like he didn't believe you.

— No, it's okay… He's polite, I guess. And took me in as his family, just not… As his son… More like a brother, or… A cousin… I mean, I can understand, I'm basically a hate baby, created by his biggest enemy to outdo and destroy him… — You shook your head.

You didn't know what to say, since you didn't know how their dynamic was like.

— H-He brought you here to spend time with you, didn't he? He just had an emergency to take care of… — He looked to the ground and then at you again. He didn't have the heart to tell you that's the first time they ever “hung out”, and that his genius brain clocked hours ago that Superman's plan was to create a connection between you both by orchestrating a connection with you and him. He also didn't want to bad mouth Clark. A part of him always would have hope that Superman would want to be closer to him one day.

Superboy looked at the clock and then at you.

— Don't you have a break? I can hear your stomach, I'm hungry too.

Friday…

This madness has to stop now.

— Nice to meet you, Aqualad. — You nodded at the boy with a small smile. You were a little mesmerized by his exotic appearance. He had brown skin, blonde hair in braids (where are his roots?) and blue eyes. His arms were also covered in tattoos that you knew had something to do with his abilities.

— I was showing him around the Watchtower, but now I have a meeting with Wonder Woman, why don't you two hang out for a while? — Aquaman, always the most obnoxious one. Their intentions were 100% clear now.

Aquaman didn't let you say anything else and left the room with said hero. You heard her murmur something about having to find her own apprentice to bring to the watchtower as soon as possible.

You looked at the boy, not knowing what to say.

— Have you ever been to Atlantis? — He surprised you by speaking first, his tone was gentle, if not a little monotonous, but he looked at you with interest.

— Uhhh, no? I’m not that good of a swimmer and I can't breathe underwater. — Aqualad smirked lightly.

— You wouldn't need to worry about breathing, there are multiple ways for humans to do that, from magic to technology. As for swimming… I'm sure we can find some sort of solution for that, also. And I doubt my king would be opposed to the idea of teaching you. — You nodded slowly. So much for subtly.

— … My vitamin D is low enough as it is, I’d rather stay on land, no offense. — The atlantean opened his mouth to speak but you beat him to it. — Aqualad! Do you like the food here? I've always been curious about your culture’s cuisine…

You kept talking for hours, eventually, Aqualad and you ended up in the training room, he offered to show you a little of his control over water bodies, and you, still a little fascinated over the convivence with superheroes, and this being the second time you met someone from Atlantis, accepted eagerly.

— This is just like H2O… — Kauldur’ahm blinked.

— It is water… — The boy confirmed, hesitantly. You laughed.

— No, no, not water. It's a TV show, it's about mermaids. I guess it isn't exactly accurate, but they can control water, just like you! — He nodded, slowly, contemplating. You looked at your watch, noticing your lunch time was due. You looked at him, shyly. — If you're up for it, we could watch it now… — That seemed to make him perk up a little and he nodded quickly.

— I would like to.

Monday…

— I wasn't aware that there was a Take Your Kid to Work Day on schedule... — You said in a surprised, maybe taken aback, tone, if not a little strangled and sarcastic, even if a little happy. You rubbed your forehead, you knew your hunch was right…

There they were, in the meeting room, all seated around the big roundtable, almost double the number of people who usually sit there.

Now, the food order they made, made sense.

You pushed the food cart forward, one for Flash. You came back and pushed another one, this one for Kid Flash, you ruffled his hair. Then, you walked back and pushed the 3rd food cart around the table, delivering each meal for each hero.

— Steak for Green Lantern. One black coffee for Batman. One meat sandwich and chocolate milk for Robin. — You squeezed his cheek. He smiled brightly at you. — Toast for Martian Manhunter and a slice of strawberry cake for Missy Miss Martian. — As you put the plate in front of her, you whispered that you wanted to know how the cheerleading team was going. She nodded happily. — A burger with fries for Aquaman, a smoothie and salad for Aqualad. Oh, did you change your hair? I like it! — You smiled brightly at the boy and his cheeks burned, he nodded. — Ice cream for Wonder Woman. Another burger and fries for Superman and another for Superboy. I see you followed my advice, your style really matches with those piercings. Tell me how you did it later. — You laughed carelessly and went to the door. — Need me for something more? — Your bosses shook their heads, stunned. You left and closed the door.

— Can't believe you guys actually did it… — John shook his head, disappointed at his teammates.

— I knew it would work. — Batman said, sipping from his drink.

— That's why we stole your idea when we knew about it. — Aquaman chuckled.

— I really need to find a sidekick. — Diana huffed.

Batman turned to Robin.

— You did a good job, chum. — Dick chuckled.

— Yeah, I even asked for a sandwich without the crust. Now (Y/N) think I'm the cutest here. — He smirked smugly. Wally scoffed.

— Yeah, right. She totally doesn't think you're an annoying kid. — The duo stared at each other. — I, for example, made them laugh. — The redhead puffed his chest proudly.

— Are you sure it wasn’t a pity laugh?! — Superboy snorted at Robin’s retort.

— Although Robin might be physically more adorable, and Kid Flash, in his words, made them laugh. (Y/N) and I started a TV show together, my king. — Aquaman nodded at his apprentice’s words.

— You did a good job.

— But (Y/N) actually said they wanted to talk to me later! That usually oficializes human’s friendships! — Megan said, softly.

— They said the same to me, the other day. That I could talk to them whenever I wanted… — Superman looked at Superboy, surprised. He felt awkward praising him, so he just nodded his head and looked away. Superboy pouted slightly.

— Because you told them your sob story, now they think you're a loser. — Conner glared at Dick. — Their physical language showed that they loved me, B! I honestly deserve an Oscar after that performance! They're gonna be ours before you suckers know it!

As a screaming match raised inside the room, the adult heroes looked at each other, lost for words, not only had the kids gotten you roped a bazillion times faster then they could ever dream, but also you were so amazing that they were enamored with you too.

Comment, like and reblog 🥰

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[abdallaalhaj]

A family in Gaza appeals to you to escape death🚨

I am Abdullah from Gaza. I am 21 years old,I study digital marketing,I finished two years of my university studies,My dream was always to participate in bodybuilding championships, and I was on my way to achieving that, but the war prevented all of this. Due to lack of food, I lost the body that I had built for years.

These pictures show you what this damned war did to me

About a month ago, my father was martyred in this war as a result of the lack of medicine, his delay in receiving the necessary treatment for him, and the large number of displacement and his forced movement between hospitals, which was the cause of his death, leaving me responsible for my mother and sisters.

Things are getting worse day by day here, and displacement increases as this war increases, and my fear for my family always increases, when you are surrounded in an environment full of death, whether from hunger, thirst, bombing, pollution, or diseases. So you have to do anything to protect your family Here everything is difficult to obtain Even for water to drink, we have to stand in line for long hours in the hot sun Life has become really non-existent here So this is my bond and my family’s bond, and I hope you understand the situation we are going through And you give me the help I hope for

My mother and my sisters, all my life, I am responsible for them and for meeting their needs. Seeing their suffering every day torments me. I do not know what to do for them. Your help and support for me could be a reason for me to compensate my mother and my younger sisters and try to make them live a decent life

best wishes:

Abdalla Alhaj

My account vetted by :

@el-shab-hussein

@bilal-salah0

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#🫒🫒🫒

[leiandroid]

yakuza au

ok fam this au is now separated from my previous inohina yakuza/bratva au. had to fly the girls back to japan and they got a whole new backstory ! big wall of text incoming ↓↓↓

-- uchiha clan

a clan that was once powerful but was slowly eating itself from the inside. rife with internal conflict and distrust, key figures sought to strengthen the clan and each had an idea of how to bring about that change, though no two could come to an agreement on a single method. tensions amongst the ranks began to fracture the uchiha.

taking advantage of the power struggle, madara, with the hopes of seizing total control, ignites a spark that quickly turns into a bloodbath. many low level thugs employed by the uchiha flee the compound as each key figure and their loyal followers battle it out until so few are left standing it could barely be called a clan anymore.

the power vacuum left behind by the dissolution of the uchiha has created an extremely volatile environment in the crime world as different yakuza families seek to claim the uchiha’s previously held operations and territory.

-- hebi

sick of the endless politics and weakening bonds amongst the clan, sasuke left to forge his own path. as punishment for leaving the clan itachi takes his eye.

he had never expected that the power struggles within the uchiha would lead to a massacre. so when he heard about the bloodbath occurring inside the uchiha compound, he rushed home to save his parents from a grim fate. but was too late when he witnessed itachi kill them by his own blade.

sasuke quickly enacted revenge by killing itachi and when the dust settled and madara emerged as victor, sasuke turned his blade on him too and snuffed out the flame of the uchiha forever.

karin is an ex-cop that was the uchiha's informant within the police. she brokers deals and negotiations on behalf of sasuke. she is his mouthpiece, so to speak.

sasuke is also seeking two who were once allies/friends. suigetsu who had always dreamed to join the seven swordsmen's guild, and juugo a talented and brutal fighter who dominates the underground fighting scene.

together he hopes to form a small mercenary group for hire.

-- inoshikacho alliance / inoshikacho rengo

one of the first yakuza family alliances ever made going back generations. inoshin yamanaka, chosuke akimichi and shikanazai nara where the first of each clan to join the families into an alliance that has since become one of the strongest and long-lasting alliances in yakuza history.

at the age of 25 each member of the alliance is to have at least two children to ensure the next generation of the inoshikacho alliance grow up together and are trained to take on the mantle for the sake of the alliance's future. this also ensures that at least 3 generations are alive at any one time (if they don't meet an early grave that is).

the yamanaka run brothels, which act as a communication and information network. every girl is hand picked by ino or by trusted subordinates and trained in the art of seduction and information gathering. the yamanaka have large underground garden operations that cultivate plants for poisons with all kinds of effects and traceability, from the quick and painless to the slow and destructive.

akimichi control entertainment districts, money laundering operations and run the largest underground fighting scene. money flowing in and out of casinos and other avenues are fully controlled by the akimichi.

the nara are drug traffickers that control market price and distribution.

-- hyuuga clan / hyuuga kai

the strongest and most notorious yakuza in all of japan. their efficiency in all that they do make them a fierce clan. when the clanhead was found dead, many other groups thought this was finally the crack in the hyuuga shield and made moves to try and see if they could challenge their authority. but the second daughter stepped into place and ordered everyone in within a certain radius of the hyuuga estate dead.

if they thought hyuuga hiashi was a ruthless leader, hanabi, in one day alone, managed to put herself up as one of the deadliest and horrifying yakuza leaders in recent history.

their efficiency in the business and economics sector, as well as having ties within governmental and political bodies, makes them a very powerful clan with many branching factions reaching far and wide across the country.

someone, somewhere, always answers to a hyuuga.

-- neji hyuuga (tian)

after hizashi failed to protect the hyuuga leader's eldest daughter, he had to pay with his life in front of his only son.

watching his father commit seppuku and then swiftly beheaded by hiashi in front of the elders and close family, stuck with neji his whole life. he made a silent vow to exact revenge on hiashi. the bitterness in his heart made living amongst the hyuuga a slow acting poison. his hate for hiashi became stronger than his love for his father and he could never look upon a picture of hizashi anymore because his face was the face of his enemy.

neji bided his time for years and years until one fateful night he murdered hiashi in cold blood and fled the hyuuga estate. he made his way towards mainland china with some aid from a contact in the chinese triads. he disappeared for many years living amongst a guild of killers and started going by the name tian.

his next order of business was to find the abducted daughter that caused the death of his father and kill her himself.

-- hinata hyuuga (makoto)

the abducted hyuuga heir, taken from the hyuuga clan at a very young age. makoto lives her life as a simple woman, adopted by an elderly couple in the countryside, unaware of who she is or where she comes from.

when a 'chinese' man that bears an uncanny resemblance to her shows up at her cottage one day, calling her a name that does not belong to her, her life is flipped on its head and she finds herself plunged into the underbelly of society.

-- chinese triads / pirates

tenten is a weapons smuggler. though she is affiliated with the chinese triads, she smuggles and trades weapons for anyone that buys them, as her true loyalty is to money.

tenten's operations are done by sea and she has control over a small fleet of boats that answer to her. other than a port owned by the triads, she has claimed a small remote island as her home and base of operations.

she was also neji's contact that helped him sail the seas to mainland china after he murdered hiashi.

-- korean mafia

kiba is an animal trafficker. he acquires exotic animals for their ivory/fur/leather as well as selling them alive to the wealthy for their collections and keeps.

he has sold exotic birds to the yamanaka for their gardens. gathered all manner of cervidae antlers from around the world for the nara's collection. has captured the most venomous snakes known to mankind for several organisations, including certain individuals of the uchiha family. has also sold a number of species of animals for tenten for her island.

he is generally in good graces with all kinds of people/groups due to his connections and ability to acquire the even the most endangered and rare species in the world.

-- suna siblings

kankuro and temari own a small medical clinic. kankuro is a general family doctor. people come to him for check-ups and simple treatments and minor operations. temari handles all the logistics, and appears as the clinic's secretary. they have 3 nurses: matsuri, yukata, mikoshi.

kankuro is also a certified surgeon and operates on all sorts of gang members in the hidden basement operation room. matsuri has been trusted to help kankuro with these operations when needed. their practice offers complete discretion and the clinic has become off-bounds for any gang violence, even if rivalling groups happen to meet each other on the premises. they enter a truce for as long as they are within a certain radius of the clinic.

the brother and sister duo are a respected, unaffiliated group, and they also use their operations to get clues on their brother's whereabouts.

gaara was kidnapped at a young age and was tortured to the point that psychosis was induced. he is held in the same place as juugo and both are used in fights that many come to pay dearly to watch and bet on.

-- police

with his parents killed and taken from his home, naruto was raised by a gang who kidnaps boys to beat and torture, and train them into savage fighters. he dreamed for a life where he could see the sun and the sea, to eat a hot bowl of ramen once again.

when a police investigation finally bore fruit, naruto was rescued from the place. he was taken in by iruka, one of the cops, and eventually followed in his footsteps. he made a promise that he would find and save the redhead that had once clung to him down in those dark cells.

tsunade is chief of police. sai is a detective. lee is a chinese detective commissioned by the chinese police to go to japan to work alongside the tokyo metropolitan police dept to follow the chinese triads operations in japan. (or is it the hosting country that commissions?? anyway) a number of jonin from naruto are also police including: kakashi, yamato, genma, anko, etc etc.

-- sakura

sakura is the head of a large hospital that was once tied up with the uchiha who used her as an in for smuggling medical supplies. she was called upon as their emergency doctor to treat key figures when needed.

upon hearing about their massacre she felt total relief that the family threatening her life were finally gone. she thought she was free from them when a certain uchiha and 2 others showed up at her door demanding treatment.

she can't say she was happy to be back in such a predicament but it seemed that this uchiha didn't have a penchant for threatening her life as his family did. and for selfish reasons, she was okay with this arrangement.

-- the aburame

a family of assassins. their efficiency and untraceable methods make them a highly coveted group of hitmen whose services are sold to the highest bidder. the aburame have close ties with the yamanaka of the inashikacho alliance as they outsource some of their poisons from the yamanaka gardens.

even though the yamanaka, akimichi, and nara families formed an alliance generations ago, this agreement between the yamanaka and aburame remains a secret from the rest of the alliance.

the aburame are a completely neutral party and the yamanaka understands this. to pay for their secrecy and treachery towards their sworn brothers, the yamanaka accept that if a hit were ordered against their own, it wouldn't affect their business with the aburame.

if u read all this many hugs and kisses mwah

[dilfluvrr10]

Hello can you write a smut about virgin joost x virgin reader? Thankss

I wrote this pretty quickly so ignore any errors but this one's for all the horny bastards out there. I see you.

Stolen Glances ︶꒦꒷♡꒷꒦︶

CW: Nsfw, age gap

word count: 2.5k

(I was writing from 1st person than kept randomly switching to 2nd person when I was thinking of Joost's pov, she's a little messy sorry)

My thoughts ran wild as I chewed on the end of my pencil. I was supposed to be revising for my biology exam tomorrow, but how could I when a man as heart throbbing as Joost was sat right in front of me. My father was a well-established manager who had represented the biggest musicians of my time. He had reached out to Joost after his breakthrough single ‘Friesenjung’ and together they had boosted Joost’s international stardom to new levels. My father always had a good eye for talent. They had developed a close bond over the short time they had worked together, my father, a clever and creative man who never stifled Joost’s artistry. Ever since I was a little girl I’ve always been involved in his work, going on tour, tagging along for press and having a string of musicians over at our house constantly. But this was different. Maybe it was just hormones or whatever, a part of growing up, or maybe it was because father was particularly fond of him, or maybe it was the way he always acknowledged me. I don’t know what it was, but he made me feel things I’ve never felt before.

He sat directly in front of me, discussing marketing for his next song, a favourable topic for both Joost and my father. They had been at it for hours, going back and forth intently at our dining room table when I walked in- deciding I wanted to do my work in more ‘natural light’. Of course, I just wanted to be around Joost, his entire demeanour utterly intoxicating to me. I sat at the end of our long dining table, and with my father’s back turned to me, I couldn’t resist stealing glances at Joost every chance I got. In a daze, I admired the way his brows subconsciously furrowed a little in concentration, the way he talked so expressively with his hands. His hands. My mind gradually became clouded with thoughts of his hands roaming my body, what his hands would look like around my neck. I bit down harder on the pencil, almost touching lead. Discreetly, I crossed my legs and squeezed my thighs together, feining for any pressure down there.

Joost could feel your eyes swallowing him whole. It was nothing new to him now, you always had your beautiful doe eyes plastered to him. He had no problem with the admiration you gave him, he understood your young curiosity. He also understood he could never act on it, could never betray his manager like that. Touching his daughter in all the places she daydreamed about, taking a bit of her sweet innocence away all for himself. No. He’d stay out of your way, be kind to you in other ways, like helping with your school work (even though he was hopeless in his own high school days) and making sure you weren’t too stressed with exams by making you laugh whenever he could. You had been staring at him for quite a while now, you must’ve been particularly horny today, he thought to himself. A slight smirk nipping at the corners of his mouth. He leaned back in his chair and adjusted his pants around his crotch knowing you’ll catch it.

I nearly threw up as he moved in his chair, legs spread as he leaned back adjusting his pants. My eyes grew wide with embarrassment when I noticed Joost’s gaze flicker towards me, evident he knew the affect he had on me. In a panic I hurriedly ran to my room. Tears welled in my eyes at the thought of Joost realising how I felt about him, all he’d ever been to me was kind and now he’s going to think of me as some naive girl with a hopeless crush on him. I cried, regret and humiliation in every drop that soaked my pillow. How could I have been so careless with my feelings?

A light knock at my bedroom door had awoken me from my tear-fueled slumber. Vaguely disorientated, I searched around for my phone. The bright, white light illuminated the room: 9:15pm. “Shit” I wasn’t meant to sleep all day. Groggily, I got to my feet and shuffled over to the door, questioning who it might be.

Joost could tell you had been crying, your eyes red-rimmed and still slightly swollen. He hated seeing you like this, “oh, I’m sorry did I wake you?” his voice soft and concerned.

“Joost…no, no it’s fine...everything okay?” the back of my throat burned, and my voice was faintly raspy.

“You left your things on the table, I just thought I’d drop them off before I went to bed,” he handed me my textbook and laptop but lingered in the doorway as if he had something else to say.

“Are you okay? You’ve been in your room since lunch, tell me what’s going on,” Joost always carried a comforting energy, I felt like I could tell him anything. But not this.

“Oh yeah I was up late last night, got really tired I guess,” followed by a small awkward laugh. Joost stood tall in front of me, having to look up to talk to him filled me with dirty thoughts. He wore a white tank, plaid pyjama pants and his night prescription glasses. His hair scruffy, signalling he had already been in bed. I began questioning the intentions of Joost’s visit, did he really just want to return my things? This late at night? No matter how guilty I felt, I couldn’t shake the butterflies growing in my stomach at the tension between us.

He looked down at you, you were avoiding eye contact now, your leg bouncing nervously and your fingers tapping the door where you held it open. Oh how shy he made you, how vulnerable and yielding. He felt bad after what had happened today, he contemplated for hours in bed if he should make it up to you tonight or just let it be. But seeing you now made it an easy choice.

“You know, I really don’t mind” he almost whispered, tilting his head and stepping ever so slightly closer. I glanced up once again, confusion and anticipation coursing through me. “Mind what?” I asked through a clueless façade. He shook his head, slowly stepping forward until he was completely in the confines of my bedroom, closing the door gently behind him. Just me and him. “I see the way you look at me…I’ve seen the way you cross your legs in the process” a wild smile danced over his lips, that’s when I realised this was all wildly funny to him. The entire time I’ve been losing my fucking mind over this man- he had been totally and utterly aware and amused. I scoffed at his upfront words, “God, what are you talking about Joost. You’re crazy, what are you getting at-” I was abruptly cut off by Joost’s huge hands firmly placed on my arms, pushing me back towards my bed.

“Sit.” With your lips still slightly parted with the ghost of whatever bullshit you were carrying on about, you obeyed, looking down into your lap and fidgeting with your fingers. Your surge of false confidence had been his last straw. He was going to give you whatever you wanted, all you had to do was tell him. He traced a tender finger along your jawline, he glimpsed your eyelashes fluttering from his angle, felt your breath hitch. He lifted your chin with his index finger, Those gorgeous eyes shimmering wide with unspoken desire.

Already, I was going to absolutely crumble under Joost’s very minimal touch. His fingers barely grazing my skin were well enough to send shivers cascading down my spine. I was timid and taken aback but at the same time I craved more; I wanted to feel him everywhere. “What were you saying?” he flashed another one of his cheeky grins I loved so much. His sly comment made me laugh this time around, turning the tense atmosphere surprisingly warm. He sat down next to me, causing fleeting touches of our arms and thighs. I was enveloped in his familiar scent, calming my nerves further. He placed a hand on my thigh, his tattooed finger drawing delicate circles as he spoke. “Let me give you what you want” his voice was low and hummed a beautiful harmony. I’d imagined this scenario countless times ever since I first laid eyes on my Joost. He had no idea what I’d let him do to me.

“Just be gentle,” the sweet sound of your consent aroused Joost more than he ever could’ve imagined. He wrapped his other hand around the back of your neck and pulled you in inches from him. With his thumb he caressed your bottom lip, your breathing heavy and erratic against every move he made. “I wouldn’t be anything else for you” he uttered softly, his words dripping with reassurance before grabbing your face and placing a light kiss over your needy lips.

For me, this small kiss was a revelation. The taste of him, the feeling of a mans lips pressed against mine while his hands caressed my body, it was a rush of sensations I’ve never experienced before. He lightly pecked my lips once more before smashing hungrily into me, kissing and sucking. With his hands still cradling my face and his lips still glued to mine he urged me to lay down. I wrapped one arm around his neck, and one hand curled around his bicep beside my head as he ruthlessly attacked my lips a while longer.

Heavenly whimpers escaped both you and Joost, still being cautious not to wake anyone. Pulling away and seeing your lips so swollen and kiss-bitten made Joost so proud.

My body ached for him, “I can’t take much more of this” I whined as he left a trail of kisses down my neck. He lifted my shirt up over my head and continued down my stomach, his hands eagerly grabbing the sides of my waist and tits. He stopped at the edge of my pants, sat up and came to rest his back against the head of the bed. “Come here baby” he softly instructed me while patting the space in between his outstretched legs. He held me steady while I took up position, my close to bare back comfortably leaning into his chest, the difference in size apparent. His arms draped down to my thighs, his fingers never failing to caress every inch. Waves of comfort came with the steady rhythm of his heartbeat as he lowered his tongue to the nape of my neck, licking a long stripe up to my ear.

“Just relax,” he breathed, making the hairs on my neck stand straight. His hands ventured back to my pants, pulling them off with deliberate slowness, I lifted my hips to help and kicked them off the bed. “You’re so beautiful,” each word warm against my skin. His tantalizing hands resumed their careful journey as the cool air nipped against my newly exposed skin. I sucked in an audible breath as his fingers trailed up my inner thigh, “Is this okay?,” he said pausing just before my underwear to gauge my reaction. A weak nod was all I could muster up, I couldn’t resist slowly rocking my hips back and forth against him from the thrill of his touch. With my eyes closed tight I buried my face into Joost as the pad of his thumb brushed over the delicate fabric along my wet slit.

You squirmed into Joost ceaselessly, as he applied more and more pressure, unknowingly giving him a massage of his own through his pants. Your panties were becoming increasingly more damp, to the point where they clung to you leaving nothing to the imagination. Joost took this as a sign you were ready for more. You hadn’t opened your eyes since he started, your head was turned to the side, buried in his chest resulting in your neck being awfully exposed. A hot half moan escaped your lips in surprise as Joost’s mouth worked skillfully on your sensitive neck, his tongue flicking against your skin before he sucked ravenously, drawing out even more of those sweet, breathless sounds. At the same time he slipped his hand underneath the waistband of your underwear. You clung to him, your fingers digging into his shoulders and mouth wide open as he stroked your swollen clit and folds. You were involuntarily trembling and bucking against him as he fingered you to the edge. Every muscle inside your body was quivering aggressively. Deep tremors formed in your core and rippled outward. All composure was gone under his overwhelming touch.

My breaths came in heavy, uneven gasps. My chest rising and falling rapidly. I was completely at his mercy as his fingers worked me closer and closer. Every nerve in my body was aflame, my senses so desperately flooded by the delicious friction and heat of his touch. I was right there, teetering on the edge, ready to dive into the abyss of ecstasy he had created. Then his hands pulled away.

The abrupt halt left me gasping, my body trembling with unfulfilled need and anguish. My eyes flew open to meet his, “Joost, why would you stop?” He ignored my question and kissed me in compensation. “Not yet” was all he gave me. I kissed him open-mouthed and needy, my heart ponded in my chest, tension lingering in my aching body. With our lips still attached I wrapped a hand around the firm forearm draped around my waist and guided him back to down to the hot mess he had left me with. Desire still burning hotter than ever.

“You need me that bad baby,” his accent a seductive melody. “Please,” the desperation in my voice so evident- my cheeks burnt red. He gave no resistance to the tiny hand around his wrist, full of urgency and insistence. This time your eyes never left his, the intensity of longing clear to him. He found his hand back where you needed It most, your hips arched, silently begging for his touch. The moment his fingers made contact once again, a shudder ran through you, a suppressed moan released. “Don’t stop,” you commanded. You had a certain feralness to you the second time around, showing him exactly where and how you wanted him. Never letting go of the tightening grip around his wrist. Your body was pressed tightly into Joost’s, using him shamelessly like a toy. You needed him to finish what he had started, and you weren’t afraid to show him how much you wanted it. The reserved nature he knew you by was overcome by an insatiable desire. He pushed his tattooed fingers deep into your gushing entrance, frantically pumping in and out of you. “Fuckk,” tears spilled down your cheeks as you finally came.

Joost’s touch softened immediately, noticing you were overstimulated. You turned to your side still heightened with emotions and riding out the orgasm. With tender care Joost cradled you in his arms, running his hand through your hair, soothing you through the storm. “You’re okay.”

Nestled into the curve of his arms, you felt a soft blanket envelop you, and with a sigh of content you allowed yourself to surrender to sleep.

----------♡--------------------♡--------------------♡--------------------♡

(And he never even took any cloths off)

Also just realised I never actually stated she was a virgin

[anni-writes]

teamwork

Kuroo Tetsurou x reader | very suggestive fluff

word count: 1.8k

Warnings: post timeskip Kuroo x coworker! reader, fluff nsfw-ish language

@ anni says: I'm Kuroo Tetsurou's whore. but I also adore him. this was just another innocent self indulgent drabble that was lost in my drafts, so there you go, enjoy!

the lingering stares, the coffee excuses, the light subtle touches while exchanging papers, the gossipy chatting every lunch break,

the way you look so goddamn hot when you're focused in your work and how that sometimes distracts him from his own work…

and also the inhumanly strenght he need to gather to divert his stare from your plump thighs when you cross your legs under the desk… the privileged view from his desk across from yours can be also a burden sometimes

and then there's that damn high heels you use… not often, though. only when there's important meetings. makes you feel more confident, you said once. but god, when you use it he just want to lay on the floor for you to step on him

there's more and more and so much more about the office bond he has with you that irks him both in the right and wrong ways.

working in the JVA marketing implied that your most strong stakeholder was the promotion division, once the areas needed each other to thrive

therefore, makes total sense that you and Kuroo were so close to each other, right?

it's normal when you're training a new intern and he tags along with the excuse to help you, but spends the whole time glaring menacingly at the guy when he stares at your cleavage a little to much, isn't it?

or when he passes by your desk, leaving a chocolate once every other week, with his handwriting in a note thay says “that presentation was sick, congratulations” or “you deserve a raise, but take this chocolate in the meantime” or some other silly thing that makes you smile

your eyes always dart to him, smiling softly,

but you also can't help but think to yourself that he wanna fuck you so bad— and the thought itself is so entertaining that you shake your head, snorting, as he eyes you puzzled

the tension is clear for you as much as it is for him… he, too, checked all your boxes. a handsome smoking hot smart and competent man that has his eyes set on you? you'd be crazy not to enjoy

so, eventually, you would throw paper balls at him while he's focused, making him roll his eyes and smirk

but also never ceased to bring him coffee when you go get for you. you know how he likes, he works so close to you, why wouldn't you bring him one too?

and the glint in his eyes make it worth it every damn time

neither of you were making the first move so soon, but everyone in the office knows about the unspoken bond you share, gaining some attention in gossip groups around the floor

but then, one day, you were working until very late, apparently alone at the office.

and suddenly, he popped up back, with a can of beer, a loosened tie, two buttons opened, walking torwards your desk, placing the beer beside your papers

you looked at him tilting your head puzzled

“Where did you get that?”

“At the bar across the street”

i tilted my head even more

“You were at the bar across the street and came back to the office to hand me a beer?”

“Exactly”

he said matter-of-factly, making you snort. his words were subtly slured, indicating he drank enough to get at least tipsy

“Why?”

“Why not?”

he answered shrugging, and you read through his attempt to divert the topic. but you also know he's very stubborn, so you just brush it off

“How did you even know I was still in the office? It's late…”

you say, while opening the can while looking at the hour on your computer

“It's the first Monday of the month, you always stay late finishing the monthly report… Besides, I saw the light on from across the street, just put two and two together”

“Damn, you're good—”

you say, amazed at how he memorized your routine by now, while sipping your beer, sighing as the cold liquid soothes your tense muscles, feeling the last motivation to end the report today getting obliterated

he watches your every move like a hawk, walking sneakly behind your back to rub your shoulders

you sigh, feeling a chill down your spine with his touches, humming softly with the massage

“You're done with the report?"

he asked, his fingers rubbing circles in your back muscles, sliding to your shoulders. you lean in his touch

“No… But I think I can finish it tomorrow morning," you reply, trying to suppress the pleasure in your voice from his magical touch.

he chuckles lightly, lowering his torso to lean closer, his breath hitting your neck, making you shiver embarrassingly

"That's what I thought," he says softly, his hands never ceasing their movements, the tension that's been building between the two of you for months feels like it's finally reaching a boiling point

before things get awkward, you start to stand up from your chair, closing your laptop on the desk, sipping your beer casually,

when he took advantage of the moment to pull your chair away and leaning closer, his chest pressing against your back, his mouth on your ear

"Don't I deserve a… reward… for the beer and the massage?”

he whispered, the warmth of his breath making your heart race, his arms encircling youe waist in a new way… despite your supposed closeness, it's the first time you feel him this close.

his voice is like velvet, seductive and irresistible, making you question if this was a good idea.

you pathetically place your free hand on the desk to anchor yourself, feeling the weight of the intensity that has been building between us

"Is that what you've been thinking about all along? Pinning me on the desk when there's no one around?"

you whisper back, your voice dropping to a sensual tone as you lean in his chest, looking at him through your shoulders

the tension is palpable, your mutual attraction finally coming to a head. you put your beer down on the desk, meeting his gaze with a daring look, ready to cross the line you've been flirting with for so long.

"And what if I have?" — he whispers back, his voice a low growl that sends shivers down your spine. —"What are you going to do about it?"

his challenge hangs in the air between us, a gauntlet thrown down, waiting for you to pick it up. and that's exactly what you do.

you turn around to face him, raising your chin to line your mouth with his, as his arms hook around my waist

“I might just finally kiss you… would that be bad?”

his eyes darken with desire, his hands pulling you closer.

"That might be the best idea you've ever had,"

and just like that, we give up, succumbingto the tension building for months,

he leans in, or you lean in… its indistinguishable who kissed who first, but you capture each other lips in a heated intense kiss, your tongues already seeking each other’s and you taste the faint malt of the beers he had earlier, sighing with the deliciousness of it all

he gives one step further, boxing you on the desk behind, making you lean back, his hand traveling down my hips

you retaliate, taking his bottom lip between your teeth and biting softly, making him groan

he pushes his tongue inside your mouth again, and you gladly take it, sucking on it, kissing him back with the same passion

it feels almost relieving having him like this after so much tension building. it feels right.

he parts the kiss, but kept his mouth on your jaw, leaving a trace of wet kisses down, reaching your neck

you lean your head back, giving him free reign on your neck, which he gladly take it, switching from kisses to bites, making you moan softly

your moan unlock something primal in his brain, and one of his hand on your hips travel down your thigh, reaching the back of your knee, pushing up his waist, and the other slides to cup your ass

all that while assaulting your neck with languig nibbles, and you can't help but let out a chuckled moan

“Fuckk… eagerrr, are we?”

you say, low and purring, and the way you draw the words from your mouth goes straight to his pants, making his cock twitch, unconsciously grinding his hips on you, his hand giving a light squeeze in your ass

he grins, groaning a little in your neck, the tone vibrating against your chest

it takes you the damn last bit of strenght to knock some sense into him

“Mmhmm… Kuroo… you know… there's cameras in the office… ”

you say slightly breathless, threading your fingers in his hair, gripping, trying to pull him away from your neck

“Call me Tetsurou”

he say lowly and i can't help but chuckle

“Tetsurou…” — i say, rolling his name from my tongue, liking the sound— “there's cameras—”

“They're not gonna check the cameras unless something gets stolen…”

“We're not gonna fuck in the office, Tetsuro”

he parts from your neck, looking straight at me with a glint in his eyes, his famous lazy smirk

“Oh? So we are gonna fuck?”

you narrow your eyes, he got you now.

you snort, grabbing his tie and pulling him for another kiss, mumbling a quick

“Shut up”

he kiss you chuckling in your mouth, his hand on your thigh progressing further, sliding your skirt up, feeling the soft skin he drooled so many times before—

“Not here, Tetsuro—”

he grumbles, releasing your thigh and raising his hands in mocking surrender

“Okay, okay. I get it.” — then he takes your hand, pulling you closer to him — “but you're coming to my place now, and I'm not taking no for an answer”

as you two leave the workplace giggling and holding hands, your coworkers on the bar across the street watch the scene, all ready to let the gossip spread, but also knowing it was bound to happen eventually

[ajmeraxchange1]

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[writingquestionsanswered]

How do I plot a romance story?

Most advice and plot structures I have found seem to be focused on quest-type stories. Do you have any advice or templates that are mpre easily applicable to romance stories? Do I need to include another major plotline?

Basic Romance Structure

Like most stories, there are different theories and methods about structure, and you can find these by Googling "romance story structure." However, let me walk you through a basic romance structure to show you the differences and similarities with the kind of structure you'd use for something like a quest story or an adventure story.

Introduction/Normal World - Like most stories, romance stories usually open with a peek at the protagonist's "normal world" as a means of introducing who they are and what their life is like. And, as with other stories, this also introduces us to the both characters' internal conflicts. In romance, rather than resolving the internal conflict with growth in relation to the story events, the internal conflict will be resolved via change/growth in relation to the romance. [Example: Sandi is a florist with a four-year-old daughter, navigating single parenthood after her husband filed for divorce and ran away to chase a dream.]

The "Meet Cute" - This is essentially the inciting incident... the moment the two characters meet for the first time, or the first time in a long time. All in one moment, we see how undeniably right they are for each other, but due to their individual internal internal conflicts, they're butting heads big time.

[Example: Sandi meets Brent, the new flower supplier who is adorable, sweet to Sandi's daughter, but infuriatingly inept at doing things the way she likes them.]

Forced Proximity - After the "meet cute," something will inevitably force them to spend time together. They get partnered together on the same job, stuck together in the same place, keep coincidentally bumping into each other... whatever. All that matters is that they're forced to get to know each other despite their head butting.

[Example: they get roped into working together on the town's rose festival.]

Resistance/Rejection - Now that they're forced to interact for whatever reason, they're going to spend a lot of time resisting their mutual interest/desire for one another due to whatever obstacles exist, like being from warring factions or one being in the middle of a divorce. But despite this resistance, we can see the sparks flying between them, even if they can't or don't want to admit it.

[Example: Sandi wants to focus on running her business and raising her daughter; Brent just got out of a long relationship and isn't ready for romance.]

Waning Resistance/Giving Love a Chance - Eventually there's a breakthrough... the obstacle gives way... they have a really fun time hanging out at the Christmas market and almost kiss... they move past the misunderstanding between them... or maybe they just slowly get over their issues and start to fall in love. Either way, they decide to give the relationship a go.

[Example: as they get to know each other and bond through working on the rose festival, they can't deny how compatible they are and an unexpected first kiss gives Brent the courage to ask Sandi out on a date, to which she agrees.]

Three Steps Forward, Two Steps Back - This is essentially the first date, then another one, then another one... though it doesn't have to be actual dates. It just needs to be some interactive scenes when they're in relationship mode. Each of these interactions will deepen their feelings for one another while at the same time raising new obstacles or re-raising the old ones.

[Example: the first date goes well except that Sandi is preoccupied with the fact that her daughter is staying with a new sitter. The second date goes okay, except Brent is in a bad mood after his ex came to town to pick up the last of her things. Then they pull an all-nighter to make some final preparations for the upcoming rose festival, which leads to a philosophical conversation about the future, wherein Sandi says she sees herself getting remarried one day and having another kid or two, and Brent says he can't ever see himself getting married or being a father.]

This Isn't Going to Work - This is the midpoint crisis... the "all is lost" moment where one or both put on brakes and say, "I can't do this," citing whatever obstacle/s that now stand in the way of their happiness. Sometimes this follows their biggest act of intimacy yet, whether that's simply their first kiss or going all the way. It could even be the first declaration of love, being introduced to family, or some other important early relationship milestone. But then it all falls apart... maybe because one or more of the obstacles become too much, a fear-based retreat, or some other external force

[Example: the rose festival has arrived... Sandi is there with her daughter and parents, Brent is there with his mom and sister. Everyone meets, Brent continues to be great with Sandi's daughter... it's obvious Brent and Sandi belong together. But then Sandi's wayward not-yet-officially-ex-husband shows up and wants to get back together. Although she's ambivalent, seeing him interact with their daughter and her parents makes her realize giving him another chance is what's best for their daughter. Meanwhile, Brent witnesses this from far away, thinks, "I'm not good enough for a family like that," and he and Sandi go their separate ways.]

On Second Thought... - This is the moment when something happens that makes one or both characters realize they belong together... that the obstacles aren't real or don't matter... [Example: Brent finds a drawing Sandi's daughter made of the three of them together that makes him realize he really is worthy of their love. And Sandi sees that her husband hasn't changed, that he's still focused on chasing dreams that aren't what's best for their daughter... or herself, for that matter. ]

The Moment of Declaration - This is where the one character finds the other, or they find each other, and one or both declare their love and commitment to the other, despite whatever obstacles there may be. This is the run through the airport to catch the other before they fly away to a new life. It's the objection at the wedding before the other can go forward with the less-than-ideal marriage. It's the boombox on the shoulders, the kiss in the rain, the "I love, I love, I love you. I never wish to be parted from you from this day on" declaration in a foggy field at sunrise. [Example: Brent hears from a friend that Sandi's husband left again. He goes to the last night of the rose festival, finds Sandi, and tells her he wants all of it... her, the daughter, her quirky parents, the flower shop, marriage, more kids... he is ready to take on the world with her, and she couldn't be happier.]

The Happily Ever After or "HEA" - This is the story's denouement, where we flash forward a few days, weeks, or more and see the happy ending. This is the jump ahead a few months to see the happy couple living their lives together, the one year leap ahead to the wedding, or a leap ahead to a moment even further down the road when the couple is firmly established in their HEA.

[Example: two years later, Sandi and Brent have been married almost a year, and are at the rose festival with the now six-year-old and their newborn twins, Sandi's parents, and Brent's mom and sister, one big happy family.]

Now... like I said, there are a variety of different structure templates for romance as there are for other genre stories. Don't feel like you have to pick one, and if you do, don't feel like you have to stick to it exactly. Story structure is just a guideline to help make sure you hit the important points to help the story unfold.

Happy writing!

•••••••••••••••••••••••••••••••••

I’ve been writing seriously for over 30 years and love to share what I’ve learned. Have a writing question? My inbox is always open!

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[dayofbanks]

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The insurance industry is basically classified as life and property insurance. The two main types of life insurance are term and permanent life insurance. There are also other life insurance products such as group life insurance, credit life insurance, annuity and pension plans. Property/casualty insurance is insurance on homes, cars, and businesses. The three fundamental risks faced by insurance companies are underwriting, market, and regulatory risks. Value at risk and expected shortfall are two major metrics used to measure and manage financial risks in insurance. Pension funds are classified into different types: public and private pension plans, occupational and personal pension plans, DC and DB plans, protected and unprotected pension plans, funded versus unfunded pension plans, single- and multiple-employer pension funds. Private pension funds consist of 401(k), 403(b), and individual retirement accounts (IRAs).

Learn more on Mutual Funds, Insurance, and Pension Funds.

[dollar-and-sense]

Investment strategies and portfolio management

Discover the importance of diversifying your investment portfolio to minimize risk and maximize returns. Learn how to implement effective diversification strategies to achieve long-term financial success.

Discover the importance of diversifying your investment portfolio to minimize risk and maximize returns. Learn how to implement effective diversification strategies to achieve long-term financial success.   Welcome to this comprehensive guide on investment portfolio diversification, an essential element of personal finance and investing. In this article, we will delve deep into the importance…

[johnbrand]

Catch! (βΓΦ)

Have you ever taken a moment to consider how fraternities are still alive these days? We have seen them featured in movies, television, and more recently across social media, but what do they even stand for? Originally, they were built around the concept of brotherhood among younger men entering adulthood, inspiring “fraternal” bonds that could remain strong throughout their lifetimes. Now however, they seem to be constantly embroiled in controversy. Whether it pertains issues of hazing, rapid partying, or the classic sexual harassment, fraternities should be on their way out.

But somehow, they are still sticking around. And worse yet, they appear to be stronger than ever. Young men from around the country are flocking to these institutions–and with no common reason either. Everyone wants to find parties, but you can do that anywhere on a college campus. Everyone wants to make new adult friends, so why not join an extracurricular? Or hit up a peer in your class? There seems to be no valid excuse for all these students to be flocking towards an organized brotherhood. So that raises the question again, how are fraternities still around?

One may guess it is in the marketing. The rampant partying, the buff shirtless men, the fraternal bonds; all of these are enticing to the viewer. And to be granted all three in a package together is even more appealing. But it is much simpler than that. Thanks to modern technology–and fraternities' centuries-old bank accounts–brothers are able to recruit faster and easier than ever. Even if the public is hankering down on initiation rites, fraternities have grown past the point of lengthy periods. Their new members can join in under a minute.

Let us draw out an example. A few of fraternities sponsor a trip out to a private beach. They provide drinks, snacks, and entertainment. It is a common event, showcasing to new students some of the best aspects of being a brother. One of the fraternal brothers, Clay, is holding a football and searching for his next recipient.

A member of Beta Gamma Phi (βΓΦ), Clay is tall, buff, and hairy, a perfect image of masculinity. From his chiseled jaw and strong stance, one can tell he has it all (like every fraternal brother does). Eventually, he spots his target: a junior specializing in mathematics.

“Catch!”

It is a simple command, and quickly the football is flying through the air. The pigskin itself appears rather ordinary, but as was mentioned before, technological and hefty financial advancements have made it anything but. Once activated by a brother’s touch, the leather absorbs the genetic print, the internal system downloading an almost identical copy. Of course, that copy cannot be completely accurate, otherwise fraternities would be running around with a bunch of clones (although some argue they already do). The imprint is just a base code, enough to replace the recipient’s genetic mainframe. The fine details are then adjusted accordingly by utilizing and recycling the remaining DNA.

Anyway, returning back to the scene, the enhanced initiation object flies toward the lonely junior. Christopher had only come here because his friend had begged him too, stating there was no reason not to partake in the festivities. A smaller-than-average lad lacking a strong will, he could often be a pushover, both in physical and social regards. So when he heard the strapping brother’s command, he did not think twice about turning around. And to his own shock, Christopher was able to catch the football, surprising himself as the leather made contact with his skin.

Once the contact is made, the fate is sealed: Beta Gamma Phi has secured its next brother. Clay’s genetic code is then rapidly installed into Christopher’s mainframe, his biological firewalls useless against the technology. Over the span of seconds, Clay is able to watch as his program is rescripted for Christopher’s body. The junior’s height soars up, easily passing the pseudo-mandatory "six feet and over" rule that all brothers silently abide by. Once that is secure, the muscles begin to inflate.

Firm pectorals, sculpted abdominals, arms that appeared engraved into stone. Christopher’s hands bloat around the football as his bare feet bloat out into the sand. Thick calves, beefy thighs, a plumper pouch and plumper rear. As Clay gets closer, he can visibly examine the flurries of hair that arise across Christopher’s previously-naked skin. Wider neck to support a deeper register, wider jaw to support a more masculine facial structure. Even Christopher’s hair, although a blonder brown compared to Clay’s almost-black, gels up into Clay’s signature hairstyle (although it was often hidden beneath a backwards baseball cap, as it was currently).

By the time Clay approaches βΓΦ’s newest brother, his genetic print had successfully completed installation. Christopher, or Chris as he would now insist to go by, held a near-identical copy of Clay’s mainframe. He displayed Clay’s musculature and masculinity, just in his own genetic font. And his mindset, values, and goals now mimicked the fraternal brother’s too. Chris would find his new purpose relishing in sports, sex, bonding with his brothers, and continuing this pattern through a career in exercise sciences. 

With a broad, pearly white smile and the football still in his right hand, Chris would then accept Clay’s invitation to join Beta Gamma Phi. Thanks to the technology, Chris would never know that he had had not once dreamed of becoming a fraternal brother, that his whole life had not been dedicated to upholding traditional masculinity. And eventually, it would be Chris and his fellow brothers’ turn to keep the fraternities alive by financing any options that would help them gain new members.