#loan against property offer

[mozzaicynth]

one thought everyday and its just the amazing world of gumball especially these three freaks (doodles + some headcanons below :3)

mr small -

my interpretation of small becoming more mellowed out in the future seasons as opposed to season 1 is him managing his anger in a more healthier way (meditation, etc) (plus i think all those herbal infusions are incredibly effective on the nerves) . that being said i think he still has underlying anger issues and lashes out if prompted too much . another reason hes nicer and more of a pushover in the later seasons is because i like to think hes guilty of his plethora of outbursts earlier on, especially towards students (unwarranted shouting which as a school counsellor he should know is pretty harmful on younger kids) . the fact that he tries to offer his help when its absolutely not needed so many times later on in the show further makes me like to think he’s making up for it all

hes also so autistic to me hes on the spectrum you cant tell me otherwise and i think hes pretty awkward and considered strange by the whole town (which is saying a lot for elmore standards) . still super friendly and approachable but he also cant take hints and he definitely stims (and has special interests, alternative medicine are you kidding)

his music taste i love to think is all over the place … i get the general consensus is he listens to mystic chants and sitar music but he definitely listens to more, ranging from pop to indie to rock to metal (this may or may not have become an idea when i was listening to ‘darts by soad and associated it with him,) . also what with his stupid little self funded album that is such a jarring listen ‘cause of all the ridiculous genre changes

i think he crochets/macrames as a hobby along with other diy stuff (most of the decorative items in his home crafted by him) making him, surprisingly considering how incompetent he is sometimes, super crafty/handy .

larry -

larry is a great person: incredibly intelligent, he’s very knowledgable on a plethora of subjects and he has a big heart, holding little to no virtriol against the people of elmore (except the wattersons but that is SO warranted) . thus i like to imagine he did great in school, moved on to do so wonderfully in uni whilst juggling jobs and his studies but after graduation was left stuck (alike so many people nowadays) . neither small or larry came from well off families but i think for larry he didn’t have much of a support system anyway so currently he overworks and works and works just to catch up on the student debt whilst simultaneously paying his taxes (i still think about that episode all the time fuck the police . big pink son of a bitch), loans and not to mention the bare minimum to keep himself alive

he’s a very sweet and kind person but anyone under the immense stress that he’s under would be irritable and temperate (he deserves to be more angry imo) and i whilst he has so many jobs he always aims to excel at all of them, having an incredibly particular way that tasks must be done and having them organised . because of this, he can be a lot more temperate when interacting with coworkers, especially those who don’t do their job as well, having to take matters into his own hands . as he and karen (his girlfriend throughout the series) share some jobs it puts a strain on their relationship (which was built off of the mutual ‘having several jobs’) and they break up .

even so, though larry consistently tries to propose to her in the show, in “the laziest” he doesn’t seem to be happy nor comfortable at all with the prospects of marrying her . in fact, even when he’s achieved the ‘american dream’ (properties like a house and car and a family (his girlfriend soon to be wife)) he’s unhappy . personally i don’t think he knows what he wants to do with himself ; he works all day and night and has little to no time for himself to even think in peace that the only purpose he knows is work .

i like to think he used to be an artist; self taught, it was a hobby and an enjoyment but his studies and his work took over so his one form of self expression was squeezed out of his life .. (i like making their lives as bleak as possible soz ! 🙏) he still admires the arts and i think that’s another reason he likes steve so much; his handcrafts and mini projects .

steve and larry are two opposites that are similar in ways .. but i love their dynamic so much . my interpretation of them is that steve will help larry balance out his life slightly better to leave room for himself instead of working 24/7 . steve has his head in the clouds and larry grounds him, and larry is so stuck in his ways with work that steve pulls him out of it slightly, lifting him up a little higher (AUGHHHGHH I HATE THEM I HATE THEM

as for their relationship with rob, im very much a stevelmeyer adoption truther !! both larry and steve coming from dysfunctional families, they aim to help rob and take care of him to the best of their abilities . further, larry taking on taking care of rob gives him direction in his life again . 😁😁😁😁😁😁

this isnt gonna be the last post headcanon/idea wise i still think of them 24/7 but heres jus SOME things .. (im such a yapper sprry not sorry !) :3c

[happy-beeeps]

for the prompt list you just reblogged, what about "i didn't sign up for this" with either obi-wan kenobi or the bad batcher of your choice?

I’m on the run (with you my sweet love)

Pairing: obi-wan x reader

WC: 1.2k

Summary: after hearing that obi-wan is living in exile, you do your best to find him, determined to live out your lives together as you’d dreamed.

Suggested listening: Chemtrails over the country club by Lana Del Rey

A/N: IM SO BAD AT ANSWERING OH MY GOD. Thank you for the request I’m so excited!!! tbh, I struggled with this so hard because I physically cannot give Obi-Wan an angsty situation but we made it work hehehe. Obi-Wan is both my fav Star Wars man (which surprises people sometimes) and one of the characters I write the least, so this was SO fun! Sorry it’s so short, but I plan on writing much more for him soon!❤️🫶🥰

The house was small, really just a small kitchenette and living space with a bed nook off to the side. Like all houses in the dune sea, it was low in the ground, slatted windows up high on the walls to offer light with as little heat as possible. You wouldn’t call it nice by any means, not compared to what you’ve lived in before, but it had a certain coziness that had excited you. You had flushed out your credits just as soon as Bail had told you of Obi-Wan’s exile, and gotten yourself on the first ship to Mos Eisley that you could. The house had been easy enough to find, there were plenty of people in Mos Eisley eager to sell property to someone, particularly when that someone came with a sack of credits.

The hard part was finding Obi-Wan.

You spent the morning in the center of Mos Eisley, gathering supplies and what small furnishings you could transport for your new home, listening intently for anything. Any word of a newcomer, any whispers of the fall of the Jedi. Unfortunately (or fortunately) no one said anything.

Beru and Owen were the obvious next choice, and they came with much greater information than you had anticipated. You hadn’t met Anakin’s brother and sister-in-law before, but you had seen holos of them during your nights in with Padmé. Owen had been… reluctant to talk to you, but Beru had quickly pointed you in the direction of the cave Obi-Wan had been hiding out in the past few rotations, not terribly far from your home or the Larrs homestead.

Which is how you found yourself here, at the mouth of a cave, a fabric shawl draped carefully over your shoulders to protect as much of you as possible from the blazing Tatooine suns.

It was easy to walk into, and the dark walls and open space gave the whole space a chill in the air that hung itself uncomfortably around your shoulders. He wasn’t here, but there were signs of him present. A rucksack with some rations and credits, his robes and tunic–carefully folded in a pile resting on a large stone, and a small lamp. You ran your hands down the soft fabric of the robe, before picking it up and bringing it close to you. It smelled just like him, and for the first moment in what felt like a millenia, you let yourself ache in your chest. You had missed him something awful, worried something awful. When Padmé had explained what had happened, what he would have to do, you had feared the worst.

When none of them came back, you had all but accepted it.

“Don’t move.”

The voice that came from the cave mouth was cold and cautious, strong and intimidating. It was also home.

“Ben,” you whispered, using the nickname you had given him some night who knows how many moons ago, hoping to show him you were you. You were here.

You removed the shawl slowly as he stepped out of the mouth of the cave, his form no longer silhouetted against the blinding sun. His hair was looking slightly ragged, the tunic he wore now hung awkwardly on his frame–it must’ve been a loan from Owen you decided.

“Is it really you?” he asked, walking up to you cautiously, moving slowly as if you were made of mist that would simply vanish if he got too close. The sun had already begun to bring out even more freckles across his skin, growing ruddy with exposure.

“I’m here to take you home with me,” you murmured, closing the gap between the two of you and pulling him close to you, one hand cradling the back of his head while he pressed soft kisses into the crook of your neck.

“You can’t, I have to stay here. I can’t return to Coruscant with you.”

You pulled back for a moment, brushing the hair away from his face, “who said anything about Coruscant?” Before he could answer, you pressed your lips to his, capturing him in a kiss meant to soothe yourself and reassure him. He was alive. You were here. The rest you could figure out together.

* * *

You hadn’t said much on the walk back to your home, hadn’t been able to. Obi-Wan refused to let go of you, his hand lingering on a spot on your body at any moment. It was as if he was finally allowing himself these open, semi-public touches at last, though you knew the price of this freedom had been costly.

When you approached your home, you led him down to the living quarters and quickly worked at getting a small iced tea ready while he settled in. Well, attempted to settle.

“You bought this? Here?”

“You think I’d rent? In this economy?” You scoffed, and he gave you a lighthearted smile in return as you guided him towards the small sofa in the middle of the room. “I’ve only been here a few rotations, been looking for you,” you moved to settle beside him, knees clinking into one another with a familiarity you had been longing for. “You’re a hard man to find Master Kenobi.”

“I didn’t realize you’d be looking,” he reached over to place a hand on your cheek, steadying himself against you for a moment. It had taken you the better part of the afternoon to get from the cave to your home, and your living room was now painted in the orange and magenta hues of the setting suns, low light making him look even softer than you had imagined. “To be quite honest, I feared you’d assumed the worst.”

“Then you don’t know me at all.”

He pulled your head closer to him, bringing his forehead to yours in a sweet, intimate gesture. “I cannot put you in danger, I will not. You’re a senator, you cannot give up your life for me. You didn’t sign up for this.”

“I’m more than just a senator you know,” you breathed, your eyes fluttering open to look into his while his breath hitched in his throat, “as per that night on Chandrila, I’m your wife. You think I don’t want to be here? That I didn’t sign up for this? I said "till death”, Kenobi, and I meant it.”

“I couldn’t contact you, I’ve had to close myself off to the Force since arriving. I’ve lost so much. I cannot lose you dearest.”

You moved closer to him to bridge the gap between your mouths again, breathing a simple, “you’ll never have to,” as you did. This time you kissed him with the fervor and passion of a woman coming home, and he drank you in like a man lost in a desert. Which, you suppose he was. Here was your Obi-Wan, your Ben, wrapped in your arms and in your home for as long as you’d like. You were free to press yourself against his freckled chest and trace the starlight colored scars across his skin. You could live in the serendipitous bliss of him, his smell of caf and leather and something woody, the kind way he carried himself.

It had cost you both everything, had cost the Republic, but at last you were free to be Obi-Wan Kenobi’s wife in more than just secrecy, your sanctuary guarded by the twin suns of Tatooine.

[chrisbitchtree]

Today’s the day. Billy’s finally going to use the key Steve gave him. The one that’s been hanging on the novelty keychain Max brought him back from her trip to Arizona with her father last summer, unused despite Steve’s insistence that Billy go over and make himself comfortable, swim in the pool, have a glass of wine, use the ugly leather massage chair in the garage on the evenings Steve works late.

He knows it would make Steve happy if Billy does as he’s asked, but Billy doesn’t want to appear too eager to take advantage of what Steve’s offering. There are a lot of strings attached to dating an older guy, one with money, a lot of it, and Billy doesn’t want to get tied up in them and trip, so he usually lets Steve pick him up outside the fourth floor walk up he shares with his buddy Argyle or meets Steve at whatever bougie ass restaurant he’s chosen for the evening.

This afternoon though, he’s sore and tired after a morning spent working on cars in the garage he works at and closer to Steve’s place than his own after a meeting with the bank to discuss a loan for the auto repair shop he and Argyle are planning to open once they find the perfect location.

He calls Steve at his fancy downtown office to notify him of his plan, the smile in his voice coming through loud and clear as he thanks Billy for finally taking him up on this.

“I’m so glad, baby. You work so hard. You deserve to pamper yourself every once in a while. Maybe we can order in tonight and have a relaxing evening together.”

Billy wouldn’t exactly say that Steve bending him over the side of the ouch or over the kitchen counter and fucking him within an inch of his life is going to be relaxing, but it’ll sure feel good to have Steve pressed up against him, murmuring about how well he’s taking it and what a good boy he is, making Billy’s toes curl as he nails his prostate and tugs on his hair, sucking dark purple marks where his shoulder meets his neck.

Billy’s smile stretches wide as Argyle drops him off outside Steve’s home, whistling low as he takes in the grandeur of the expansive property. Billy will have to convince Steve to have a pool party sometime so Argyle and their other friends can take it all in.

He thanks Argyle and waves good bye, entering the security code at the gate and watching as they swing open to grant him access to this alternate reality he’s been floating in since he met Steve at a club five months ago when he’d complimented Steve’s dance moves and the other man had offered to buy him a drink, which had turned into two, then three, both Billy and Steve wandering away from their friends to a table for two before ending the night spooning, naked and sweaty in Steve’s king sized bed.

He silently notes, as he always does, how big and empty the house is. He’d questioned Steve on why he’d bought such a big home instead of a luxury apartment one of the first times Steve had him over, and Steve had told Billy about his childhood, spent with a series of nannies while his parents travelled for work.

Steve didn’t want that for himself. He wanted a big family, at least six kids, running around and filling his home with noise and life.

He’d also told Billy that he he wanted that with Billy, and that he’ll wait while Billy made his way in the world and establishes himself as a business owner, but Steve’s thirty five and knows what he wants someday. It’s something Billy wants too, a big family to love and care for, and he can’t believe he’s going to get to have it with Steve.

He’s had friends ask if he feels like he’s just another possession to Steve, a piece of ass to show off at parties and events, but that’s not the case at all. He knows that he and Steve are very different people living very different lives, but Steve’s never been anything other than interested in Billy’s career plan and goals, never looking down on him for wanting to open a garage and work on cars. It can feel scary at times, falling for someone so fast, especially since Billy’s only twenty four, but it just feels right. He knows they’ll have an amazing life together.

His first order of business is to pour himself a large glass of wine to drink while he takes a hot shower in the rainfall shower in Steve’s ensuite bathroom. The first time he’d been in there, he’d joked that the only thing that would improve the experience would be a wineglass holder. It was an offhand comment, but the next time he was there, he noticed that Steve had had two installed near the door.

He places his glass in one of them now before starting the water up, letting it get nice and hot while he grabs a thick, fluffy towel and the plush cream bathrobe Steve gifted him with a few weeks ago.

He takes a big sip from his glass of red, savouring the taste, miles away from the two buck chuck he and Argyle favoured at home. He’d brought Steve a bottle when the other man had argued that there was no way something that cheap could be good.

Steve hadn’t given in, insisting that it was subpar at best, but Billy had noticed more bottles of it finding a home next to Steve’s expensive collection of vintages. It was fun to see his world make its way into Steve’s, a little bit at a time.

Taking a second sip, he stands under the hot spray, letting it fall on his shoulders and loosen the muscles tensed and tightened from a hard day’s work.

Feeling relaxed from the water and the wine, he washes up, then dries himself off and wraps himself in the robe before falling into Steve’s bed for a nap. Cocooned in Egyptian cotton sheets and a heavy duvet, keeping him warm under the air conditioning pumping through the vents. Setting his alarm for an hour, he closes his eyes.

Feeling refreshed after his nap, he wakes to a text from Steve telling him that he should be home at about 6:30. It’s 5:45 now. He has a bit of time, so he formulates a plan.

Standing up, he stretches, then opens the drawer where Steve keeps the sex toys, and pulls out the lube and a medium sized plug. It’s nowhere as big as Steve, but it’ll save them some work when Steve arrives, allowing them to get to the main event quicker.

He squeezes some lube out, warming it on his fingers before reaching around himself and teasing his hole before slipping a finger in. He moans quietly, pretending it’s Steve’s long fingers instead of his own. He works himself up to three before sliding the plug into place.

He heads back to the kitchen and pours himself another glass of wine before walking through the French doors that lead to the pool.

He sets his glass of wine on the pool deck and arranges himself on a lounger, ass up and on display for Steve to feast on when he arrives. Checking his phone, he sees that it’s 6:15. It won’t be long now.

Crossing his arms under his head, he closes his eyes, letting the warmth of the sun soak into his skin as he waits. He’s starting to doze, fading in and out, when he hears a voice. For a quick second, he gets excited that Steve’s arrived early, but then he registers the fact that it’s a woman and what she’s saying.

He stands abruptly, knocking his wine glass over as she starts to shout.

“Steven, there’s a man, a naked man on your deck. Who is he? Are you aware that he’s there?”

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

He stands abruptly, knocking his wine glass over as she starts to shout.

“Steven, there’s a man, a naked man on your deck. Who is he? Are you aware that he’s there?”

He looks up at the woman on Steve’s balcony, noting the family resemblance as he stumbles around, feeling like a deer caught in headlights. Not how he wanted to meet Steve’s mom, but he guesses he has no choice now.

[bilgievreni]

Economilab - Gold

Insurance plays a crucial role in debt consolidation, helping individuals manage and alleviate their financial burdens. To understand the relationship between insurance and debt consolidation, it is essential to first grasp the definition and types of insurance. Insurance is a contract between an individual and an insurance company, where the individual pays premiums in exchange for financial protection against specific risks or losses. There are various types of insurance, including life insurance, health insurance, auto insurance, and property insurance, each serving different purposes and providing coverage for different aspects of life. When it comes to debt consolidation, insurance can offer assistance in several ways. One common method is to borrow against the cash value of a life insurance policy to consolidate debts. By utilizing the accumulated cash value, individuals can obtain a loan that can be used to pay off multiple debts, resulting in a single, more manageable payment. This approach can provide individuals with the opportunity to secure lower interest rates and potentially reduce the overall cost of their debt. Additionally, insurance policies such as credit life insurance can provide coverage in the event of disability, unemployment, or death, ensuring that debt obligations are met even during challenging circumstances. However, there are factors to consider when using insurance for debt consolidation. It is important to carefully evaluate the terms and conditions of the insurance policy, including any potential fees or restrictions. Additionally, individuals should assess their financial situation and determine if utilizing insurance for debt consolidation aligns with their long-term financial goals. Other factors to consider include the individual's credit score, interest rates, and approval requirements for the consolidation loan. By thoroughly considering these factors, individuals can make informed decisions about whether insurance-based debt consolidation is the right option for their specific circumstances.

[dailyanarchistposts]

J.5.8 What would a modern system of mutual banking look like?

One scenario for an updated system of mutual banking would be for a community to begin issuing an alternative currency accepted as money by all individuals within it. Let us call this currency-issuing association a “mutual barter clearinghouse,” or just “clearinghouse” for short.

The clearinghouse would have a twofold mandate: first, to extend credit at cost to members; second, to manage the circulation of credit-money within the system, charging only a small service fee (one percent or less) sufficient to cover its costs of operation, including labour costs involved in issuing credit and keeping track of transactions, insuring itself against losses from uncollectable debts, and so forth. Some current experiments in community money use labour time worked as their basis (thus notes would be marked one-hour) while others have notes tied to the value of the state currency (thus, say, a Scottish town would issue pounds assumed to be the same as a British pound note).

The clearinghouse would be organised and function as follows. People could join the clearinghouse by pledging a certain amount of property (including savings) as collateral. On the basis of this pledge, an account would be opened for the new member and credited with a sum of mutual pounds equivalent to some fraction of the assessed value of the property pledged. The new member would agree to repay this amount plus the service fee into their account by a certain date. The mutual pounds could then be transferred through the clearinghouse to the accounts of other members, who have agreed to receive mutual money in payment for all debts or work done.

The opening of this sort of account is, of course, the same as taking out a “loan” in the sense that a commercial bank “lends” by extending credit to a borrower in return for a signed note pledging a certain amount of property as security. The crucial difference is that the clearinghouse does not purport to be “lending” a sum of money that it already has, as is fraudulently claimed by commercial banks. Instead it honestly admits that it is creating new money in the form of credit. New accounts can also be opened simply by telling the clearinghouse that one wants an account and then arranging with other people who already have balances to transfer mutual money into one’s account in exchange for goods or services.

Another form of mutual credit are LETS systems. In this a number of people get together to form an association. They create a unit of exchange (which is equal in value to a unit of the national currency usually), choose a name for it and offer each other goods and services priced in these units. These offers and wants are listed in a directory which is circulated periodically to members. Members decide who they wish to trade with and how much trading they wish to do. When a transaction is completed, this is acknowledged with a “cheque” made out by the buyer and given to the seller. These are passed on to the system accounts administration which keeps a record of all transactions and periodically sends members a statement of their accounts. The accounts administration is elected by, and accountable to, the membership and information about balances is available to all members.

Unlike the first system described, members do not have to present property as collateral. Members of a LETS scheme can go into “debt” without it, although “debt” is the wrong word as members are not so much going into debt as committing themselves to do some work within the system in the future and by so doing they are creating spending power. The willingness of members to incur such a commitment could be described as a service to the community as others are free to use the units so created to trade themselves. Indeed, the number of units in existence exactly matches the amount of real wealth being exchanged. The system only works if members are willing to spend. It runs on trust and builds up trust as the system is used.

It is likely that a fully functioning mutual banking system would incorporate aspects of both these systems. The need for collateral may be used when members require very large loans while the LETS system of negative credit as a commitment to future work would be the normal function of the system. If the mutual bank agrees a maximum limit for negative balances, it may agree to take collateral for transactions that exceed this limit. However, it is obvious that any mutual banking system will find the best means of working in the circumstances it finds itself.

[360degreesasthecrowflies]

"But just"/"Why don't you just?" is not always the magic solve you think it is, boomers

Feeling a little disheartened today by the way that my mum point-blank refuses to acknowledge structural barriers. And I do think it is at least partially a generational thing.

The thing about the deck being stacked against you that has the most impact, and that certain folk of a certain age seem unable to put together is that...

You reach a point in your life, or in your career, or in your day to day financial situation where not only is there no magical solution, there are also no good options.

And it's the kind of situation where it's not the case where there are no good options because you, the individual, made mistakes or burned bridges or wasted your starting out nest egg or your initial savings so you have only yourself to blame - or even where if you just reduced your basic outgoings down several levels you'd be able to build a nest egg (back) up in order to give yourself more options again... There just aren't any good options from the jump.

Recent solves my mum has put to me as if I'm not an adult, in my 30s, living independently in another country from her with over 10 years' working experience, include:

Why don't you just get a higher paying job?

Why don't you get a pension?

Why don't you buy a house?

Why don't you move further away from your work (and your established community and the amenities you rely on) so you can buy a house?

The undertone implication is a) that we haven't already considered all the options before us, done the calculations and concluded that (unfortunately, as if it worked out it would be helpful) it isn't viable right now, and b) that by not doing these things you are somehow deliberately crafting your own misery and setting yourself up for more hardship, instead of the reality that we are making the best of what's available to us within the system that is how our generation are asked to live and exist.

I don't 'just get a higher paying job' because the structural barriers are my lack of education and my lack of social connections among the higher strata of the demographic that, by their wealth-funded access to as many qualifications as they would like to pay for, and by being able to buy the time to complete them, holds a monopoly on hiring. That's something that's come from making education something available to the highest bidder, rather than grant-funded and obtainable by anyone with the capacity to qualify for the course.

I don't have a pension (right now) because I can't afford one. The minimum contribution that I can make by law to a pension is 10% of my income a month, and I can't afford to lose an extra 10% of my income when I'm already paying around that out of my salary to a student loan with compound interest that was sold to me as a loan that wouldn't have compound interest added. I'm also paying 50%+ of my income per month on housing alone, and more on bills. Where am I supposed to find more? And of course, if my salary goes up, so too does the amount I'm meant to pay back the student loan.

I don't buy a house because I can't afford one, despite saving for a deposit for several years. Unfortunately, Liz Truss crashed the economy last year and as a result, the banks don't offer mortgages as high as they used to, and require larger deposits for properties. As such the amount that I have saved up might have been enough to put down a healthy deposit two years ago, but now, isn't. And I can't save any more because of the aforementioned draws on my income above.

And if I was to move further afield to buy a house, what's the benefit to me? I'd have to spend more money on my commute, I'd probably have to live in a much less safe area, and it's going to be cold comfort to me that I own a property if I end up getting assaulted or stabbed on my way home at night.

Trust me, I would love to live in an era where I didn't have to overthink these basics. Where the fact that I have a college degree and multiple years of specialised work experience across multiple sectors including private business and government would actually count for something and afford me a solid and stable standard of living.

But it doesn't any more. And this is my life, and the lives of many of us nowadays. And we can't just sit and mope about it, we have to accept it, and adapt, and do the best we can to keep going until something gets a little easier for us, until the luck of the draw rolls our way or until someone with the power and ability through government or big business to effect a real change takes that shot and acts to make things just that bit less bleak for us.

Until then, a little empathy wouldn't hurt instead of a lecture.

[nokingsonlyfooles]

“It’s my hope, Mr. President, that you listen to us, that you choose democracy over tyranny.” - Abdullah Hammoud, Dearborn Mayor and Voter

YES! I can't fuckin' believe the media accurately reported this as a protest and printed/publicized the words of the voters explaining why they did it. AND NOBODY HAD TO ATTEMPT SUICIDE! This is big and it could get even bigger! But it's a qualified bigness, because...

Walz, a major supporter of Biden’s reelection campaign, said Michigan’s “uncommitted” results were a healthy demonstration of democracy. “I think they feel passionate, as they should, about an issue we all care about,” Walz said, adding that he expected most protest voters would eventually return to Biden’s side in a likely November rematch with former President Donald Trump, who himself has struggled with college-educated voters and suburbanites in his ongoing Republican primary against former U.N. Ambassador Nikki Haley. “I’m much more convinced there’s a chance bringing those folks home is much greater than bringing the ‘Never Trump’ folks back home,” Walz said.

Yeah. I know this song and dance. I've seen it happen in person, at protests, in reatime. They come out to "do voter outreach" and they're all smiles to start. "Yes! Please do continue to act upon your freedom of speech in a way I, an advocate for the status quo, find nonthreatening. Your feelings are valid, ha-ha! I expect nothing to change, and indeed I will act to change nothing, but good for you!" A few folks always believe the message has been received and quiet down, that's why they do it. But wait and see what happens to that smile when a few people start interrupting and yelling, "THAT'S NOT GOOD ENOUGH!"

At least this guy's willing to suggest Biden would pick up more votes by moving left than moving right, although I doubt he actually expects anything radical. A few more forgiven student loans or somewhat cheaper drugs aren't much of a problem, and that's leftist too! So we don't really have to worry about the ongoing genocide.

The thing is, if/when this picks up momentum and the DNC starts to think they might have to change something or lose, it will become something other than a positive demonstration of free speech. It'll be childish tantrum-throwing, pointless, uncivil, attention-whoring, astroturfed, counterproductive foreign interference, and whatever else sounds bad. If any of you out there in internet-land already feel threatened by it, you're probably saying that right now. (Go ahead and comment, you'll boost this with other people who think like you, and I might change some minds.)

And, if you are comfortable with it and want voters to do it instead of threatening to withhold votes from Biden in the general, check your privilege. Not every state offers this. Unless something changes real fast (at least, I THINK it hasn't changed, it's hard to do a search when "uncommitted" brings up SO MANY news articles about Michigan 😁), mine won't. I can't do this. I can't vote in a third party primary either. It'd be all blue or nothing. And neither of those things will get me any press, so I gotta keep talking. Maybe I'll motivate someone who can vote uncommitted! Or scare a politician! I still think I'm doing more good by staying alive, and I'm a bit distant from any property I might meaningfully damage (although I am open to suggestions that won't get me arrested and silenced), so this is the only thing I got that won't injure a human being.

Tumblr, no matter how you actually intend to vote, if you're not up for living in a two-party system where both parties think they can do a little genocide and stay in power, you have ways of making yourself heard. There are options beyond falling in line behind the lesser evil. Don't let anyone tell you there aren't. And when you start hearing "stop!" or "you can't!" that means you have something they want. A cessation of hostilities! Well, now you might be in a position to negotiate terms! Don't give up!

Please, please, please don't give up. There is so much to be done.

[jessbrownz]

Investment Property Loans Made Simple

Investing in property holds the promise of financial freedom, yet navigating the world of investment property loans can seem daunting. With NZ Mortgages as your guide, you can embark on this journey with confidence. Let’s delve into the fundamentals of investment property loans, so that you get  clarity and insight to get  on the path to realising your financial goals.

Understanding Investment Property Loans

Investment property loans differ from traditional home loans in several key aspects. While both involve borrowing money to purchase property, investment loans are specifically tailored for properties that are not occupied by the owner. These loans typically have higher interest rates and stricter eligibility criteria due to the increased risk associated with investment properties.

Types of Investment Property Loans

Fixed Rate Loans:

With a fixed-rate loan, the interest rate remains constant throughout the loan term, providing stability and predictability in repayments. This option is ideal for investors seeking protection against potential interest rate fluctuations.

Variable Rate Loans:

Variable rate loans are subject to changes in interest rates, which can either increase or decrease over time. While this option offers flexibility and the potential for lower interest rates, it also carries the risk of higher repayments if rates rise.

Interest-Only Loans:

Interest-only loans allow investors to pay only the interest portion of the loan for a specified period, typically five to 10 years. This can provide short-term cash flow benefits by reducing monthly repayments, but borrowers must be prepared for higher repayments once the interest-only period ends.

Eligibility and Requirements

Before applying for an investment property loan, it's essential to understand the eligibility criteria and requirements set forth by lenders. Key factors that lenders consider include:

Credit Score:

A strong credit score demonstrates a borrower's ability to manage debt responsibly and is a crucial factor in determining eligibility for an investment loan.

Debt-to-Income Ratio:

Lenders assess the borrower's debt-to-income ratio to ensure they have sufficient income to cover loan repayments. Lower ratios indicate less financial strain and may improve loan approval chances.

Loan-to-Value Ratio (LTV):

The LTV ratio compares the loan amount to the property's value, with lower ratios typically resulting in more favourable loan terms. Lenders may require a higher deposit for investment loans to mitigate risk.

Benefits of Investing in Property

Investing in property offers numerous benefits that can contribute to long-term financial stability and growth:

Rental Income:

Investment properties generate rental income, providing a steady stream of cash flow that can be used to cover loan repayments and expenses.

Capital Appreciation:

Over time, property values tend to increase, allowing investors to build equity and potentially realise capital gains on selling the property.

Tax Advantages:

Property investors may benefit from tax deductions on mortgage interest, property depreciation, and other expenses, reducing their overall tax liability.

While investment property loans offer opportunities for wealth creation, it's crucial to be aware of potential risks and considerations:

Market Volatility:

Property markets can be subject to fluctuations in supply and demand, economic conditions, and government policies. Investors should conduct thorough market research and risk assessments to mitigate exposure to volatility.

Vacancy and Cash Flow:

Vacancies in rental properties can disrupt cash flow and impact loan repayments. Investors should budget for potential vacancies and have contingency plans in place to cover expenses during lean periods.

Property Maintenance and Management:

Owning an investment property entails responsibilities such as maintenance, repairs, and tenant management. Investors should budget for these expenses and consider outsourcing property management services if needed.

Interest Rate Risks:

Variable rate loans are susceptible to changes in interest rates, which can affect borrowing costs and cash flow. Investors should assess their risk tolerance and consider strategies such as fixing interest rates or creating buffers to mitigate interest rate risks.

Working with NZ Mortgages

NZ Mortgages specialises in helping investors navigate the complexities of investment property loans. With our expertise and personalised approach, we empower clients to make informed decisions and achieve their financial objectives. Our services include:

Loan Comparison:

We offer a wide range of loan options from various lenders, allowing clients to compare rates, terms, and features to find the best fit for their investment strategy.

Expert Advice:

Our team of mortgage professionals provides personalised guidance and support throughout the loan application process, ensuring a smooth and seamless experience from start to finish.

Ongoing Support:

Beyond securing financing, we remain committed to our clients' success, offering ongoing support and resources to help them maximise the return on their investment property portfolio.

Strategies for Success

To maximise returns and mitigate risks when investing in property, consider the following strategies:

Diversification:

Diversifying your investment portfolio across different property types, locations, and asset classes can help spread risk and enhance long-term returns. Consider investing in residential, commercial, and mixed-use properties to diversify your portfolio.

Research and Due Diligence:

Conduct thorough research and due diligence before investing in a property. Evaluate factors such as location, property condition, rental demand, and potential for capital appreciation to make informed investment decisions.

Financial Planning:

Develop a comprehensive financial plan that accounts for your investment goals, risk tolerance, cash flow projections, and exit strategies. Consider working with financial advisers and mortgage brokers to optimise your investment strategy and financing options.

Regular Review and Monitoring:

Regularly review and monitor your investment portfolio to assess performance, identify opportunities for optimisation, and make necessary adjustments to your strategy. Stay informed about market trends, regulatory changes, and economic developments that may impact your investments.

Conclusion:

Investment property loans represent a gateway to financial freedom, and with NZ Mortgages by your side, the journey becomes simpler and more rewarding. By understanding the nuances of investment lending and leveraging the expertise of our team, you can confidently pursue your investment goals and build a brighter financial future. Contact NZ Mortgages today and unlock the potential of property investment.

[wildbornsiren]

12 Days of Fluffmas!: Snowed In || Bradley “Rooster” Bradshaw/F!Reader

Snowed In. Summary: Bradley takes you on a weekend trip to a cabin.  916 words Female/AFAB reader (established relationship.) Warnings: Non-explicit sex, fluff, established relationship.  Notes: Day nine of the 12 days of Fluffmas!  Comments and reblogs fuel my writing, likes are appreciated. Thank you so much for reading, it’s appreciated and means the most.     **Tag list is done. Please follow and turn on notifications for @wbslibrary​ **

A weekend getaway in a cabin. That’s what Bradley had offered as an apology for the early morning shenanigans of a hike that had ended up with the two of you covered in snow and warming up in the bronco the only way to people desperately in love could. It was Hangman’s property and he had loaned the keys to Bradley, under the condition that it be left in the same condition it was found. Not quite reassured by Bradley’s snickering, Hangman only released his grip on the keys when you stepped in, promising that you would keep your boyfriend in line.

The drive was nice, a few hours out of San Diego, but still within the time limit of travel if Bradley was called in. You stare in awe through the windshield at the cabin at the end of a winding dirt road. A two-story log cabin with a wrap around porch, nestled in the midst of towering pine trees covered in snow. ��Bradley,” you turn away from the view, to look at your boyfriend. “It’s beautiful. Our own little winter wonderland.” You’re unbuckling your seatbelt, bounding out of the bronco. The snow is up powdery and soft, flurries cascading from the gray sky. “If you grab the bag, I’ll bring in the supplies.” Bradley wraps around you from behind, placing a kiss to the crown of your head. “Then you can explore to your heart’s content.” Instead, the two of you end up tangled together in the kitchen. Bradley is gentle, hands wandering, mouth pressing soft kisses to heated skin as you unwrap each other, shedding winter clothes. When he presses you against the kitchen island, you hop up onto it, his hands steadying you, pulling you closer to the edge. You’ve often teased that Bradley’s built to fuck, but when he’s got it in mind to show you how gently he can love you, it’s overwhelming. And so, so good. You stay perched on the countertop afterward, watching him put away the groceries, shirtless, gray sweats riding low on tanned hips. A cup of coffee is cradled in your hands, and when those deep brown eyes meet yours, you can’t help but hide your smile behind the rim of your mug. “Shower then unpack?” He asks, easily lifting the mug from your hands and taking a sip. You nod, and Bradley helps you down from the counter, scooping up the bag and following you to the bedroom. Shower abandoned in lieu of getting tangled up again, this time under a down comforter and high thread count sheets. Once more, he’s slow and gentle, making love—making up for lost time from trainings and mission briefings. You’ve been in love before, but the way Bradley loves you is different. Every kiss, every brush of fingers against your skin, the way he murmurs your name in post-orgasm bliss, you don’t want to let it go. It's well past midnight when you wake up. Bradley’s sprawled out on his stomach, one arm draped over you as he snores softly. You sit up, watching the sleeping man. The moonlight on the snow illuminates the room, casting his face into soft shadows. Fingertips graze along his cheek, the edge of his mustache, thumb brushing his lower lip. His breathing eases, deepening, leveling out. He looks so relaxed, peaceful. When he’s awake, he’s all angles and sharp edges, coiled tight ready to spring into action at a moment’s notice. But right now? He's soft. It’s one of the most beautiful things you’ve ever seen. It’s been so easy to love him, be with him. Six months was all it took for him to have your heart in his hands. Six months for you to trust him with it. Six months to realize that there’s nothing you can’t do without this man by your side. And how fiercely you’d protect this peace he keeps hidden away. Your stomach has other plans, and it rumbles loudly. Untangling yourself from Bradley and the blankets you pull on a pair of pj pants and a sweatshirt, padding barefoot to the kitchen. You make yourself a sandwich and knowing Bradley won’t be long behind you (the man cannot sleep in a bed alone), you make a second, putting both on a plate. You curl up on the couch that’s in front of a wall of windows overlooking the woods, pulling another heavy blanket over your lap. It’s snowing again, fat white flakes dropping rapidly from the sky. It’s quiet, peaceful and beautiful.   ���Really coming down, isn’t it?” Bradley asks, lounging in the doorway of the bedroom, watching you. “We might get snowed in.” You pat the couch next to you. “Made you a sandwich.” He chuckles, settling next to you under the blankets. “Snowed in huh? Whatever shall we do.” He takes the sandwich and kisses your cheek. “I don’t know Bradshaw,” you say dryly, teasing him. “I bet you could come up with a few ideas to occupy our time.” “Parcheesi.” Bradley responds. “I packed it.” “I’m more of a Yahtzee girl.” “I’ll have you screaming, honey, but it won’t be Yahtzee.” Bradley chuckles softly, taking the plate from your lap, putting it on the coffee table. “Should I show you now or later, the plans I have for us.” His mouth drags softly against your neck, your fingers coming up to tangle in his hair, toying with the curls. “Sleep now, flyboy.” You pull him closer, taking his weight and warmth happily. /end

[xxgremlinleexx]

More info on our situation.

This will be posted to the GoFundMe as well.

I feel that it is incredibly important to express just how last resort this is. It has come to my understanding that if people are to come across this, they are likely to believe I haven't exhausted all of my options.

This, unfortunately, isn't the case.

Mississippi has never been safe for us as black, queer people. And having neighbors turned against us for something orchestrated by pur landlord has made it even less so for us to continue being here.

There is absolutely nothing left for us here.

Lemme explain. As of now, both my partner and I are employed. However, our pay and hours are nowhere near enough to cover the cost of rent without outside assistance from friends and family who are all also struggling at this time. This includes our other partner who has their own shit to deal with. I work at Dominos and am paid a flat $9.00/hr as a CSR. I'm only granted NINE (9) hours a week. Yes. You read that correctly. Only 9 hours a week. 18 every two. 36 a month. Which is why I started doing commissions. To make ends meet.

Because Void (our cat) would genuinely have nowhere to go if we didn't make things work somehow. We've had him since he was a kitten, and he would be even more devastated than us.

Friends can't take him. Not anyone nearby. And with the lack of proper shelters, surrendering him would likely spell death.

Just know, while things weren't perfect, they were not always like this. We started falling behind after a technological error on the Apartment's end (More on that later) where two months' worth of rent was never posted. And once we made the error known, it came with fees stacked from both months and then some. In the middle of March. After I'd been dropped from my internship at a super Christian-run food bank. Where I was the only openly queer one there. 🙃

And it's truly only been downhill from there.

My nesting partner is paid slightly more than me at 9.75/hr, but they haven't been given a full 40 hour week since September of last year. This is after asking for all that can be given at their job despite dealing with chronic pain and being immunocompromised. They've been working without any sort of proper accommodation aside from being offered brief breaks in the store's beer cooler.

We've taken out payday loans out of sheer desperation not to lose our home, two of which almost crippled us.

We do not have a car. Mississippi's public transportation system is absolutely abysmal. I used the bus to go to work during my internship. I was left stranded twice and was s3xually harrassed during my rides on several occasions. The system is horrendously underfunded, so the drivers just don't care.

We have tried various programs including section 8. The wait lists are endless.

The property manager has explicitly expressed that they do not accept vouchers from any of the most prevelant housing assistance programs in our area. Which was one of the reasons why we almost weren't allowed to move here (Making a video on that soon.) during a time where we were, in fact, homeless and running out of time at the hotel we were staying at. The only assistance we have is for electric. And that's only because that bill is not processed directly through the complex itself.

I've been permanently flagged by the unemployed office. Why? Because one of my employers (the most transphobic experience I've ever had. More on that later.) claimed that nobody under my legal name, SS, or anything had ever worked there before. Every other experience listed was verified, but due to that one instance, even when I provided my old work badge and my W2, I was (and still am) no longer able to apply for unemployment without being stuck in a neverending wait list for an investigation that will never come. It will remain stuck in pending for months and then the case number will magically close without notice.

We have Food Stamps, but due to the sudden dip in income and hours, MDHS has pretty much flagged that I'm able-bodied but just choosing not to work. Which has resulted in the amount we're given monthly to harshly decrease.

What I'm trying to say is that the truly needy and unfortunate are treated like rats and scammers. Pests. These programs put in place to help us aren't funded enough to make the people tasked with running them truly care. So they turn us away.

This has been a problem in Mississippi for years. The state government is given money to help and distribute as needed, but those funds are withheld. Millions of dollars every year are kept away from the families who need it most, and nobody here can answer why.

And if you're queer or a person of color? Good luck.

I explain all of this to say that we genuinely need help wherever we can get it.

We need to get out of Mississippi.

Please help in any way you can. Spread this and my GoFundMe wherever you can. It is us the link above. Share it wherever, whether you can donate or not.

My commissions are open. All three slots are available. I will gladly work for the money.

Thank you for your reading.

[beardedmrbean]

A federal program has put millions of dollars of decommissioned military equipment into the hands of law enforcement departments across Indiana.

The 1033 Program transfers surplus military property — equipment officials say would otherwise be destroyed — to local, county and state agencies. These items obtained from the Law Enforcement Support Office of the Defense Logistics Agency include basic office furniture to the more visible MRAP armored vehicle.

Up to $7.6 billion in excess military property has been reallocated to roughly 9,000 police jurisdictions around the country since the program's inception in the 1990s.

Proponents of the 1033 program say it offers immense cost-savings to smaller police departments that file grants to acquire decommissioned property already bought and paid for by American taxpayers. Prior reporting by IndyStar found Johnson County shelled out an estimated $5,000 for an MRAP the government paid $733,000 when it was new.

Beech Grove PD has an armored vehicle:Here's what's inside it.

Debate wages about police using equipment meant for the U.S. military

Critics argue militarizing the police is blurring the lines of law enforcement — from 'protect and serve' to 'punish and intimidate.' A pair of studies published in the scientific journal Nature of Human Behavior found no evidence military gear used by police reduces crime.

Police officers operating armored vehicles in the Indianapolis area have received criticism both from the political left and right.

"Far right conservative here and this is an absolute joke," wrote one IndyStar subscriber last week after the city of Beech Grove revealed it received a BearCat through a federal grant. "The militarization of police departments is a huge issue. No way should local PD be trolling around in military surplus. If they can use it for you, then they can use it against you."

In the past, police departments have defended their use of armored vehicles by invoking officer safety. What was good enough to stop bullets from hitting U.S. soldiers in Iraq and Afghanistan, they say, can be employed during SWAT situations in Indianapolis.

"There's backup steel maybe a half-inch thick behind the lights, the engine compartment, everything," said BGPD Sgt. Joe Garrison in describing the BearCat. "Nothing short of military-grade ammo would pierce this."

Police officer safety or surplus zeal:Military equipment in Indiana spurs debate

Millions in military surplus have been shipped to Indiana

More than $38.2 million in equipment, including firearms, scopes, night vision goggles and mine-resistant vehicles, have entered the Hoosier state.

IndyStar examined public data provided by the Law Enforcement Support Office to determine which agencies in Central Indiana have joined the 1033 program, what equipment they've requested, and the amount of money each item was valued at by the federal government at the time it was purchased.

The following is a list of items totaling more than $1.8 million shipped to 10 Central Indiana law enforcement agencies between September 1994 and October 2022, the last date of entry.

The list IndyStar examined is not a complete accounting of all items shipped from the federal government to Indiana law enforcement agencies. Property on the list falls under two categories: "controlled" and "non-controlled."

Controlled property refers to military items loaned from the Department of Defense, officials said, and includes small arms, demilitarized vehicles, aircraft and night vision equipment. When a law enforcement agency no longer wants an item of controlled property, it must be returned.

Non-controlled property refers to items that could be sold to the general public such as first-aid kits, office equipment, hand tools and sleeping bags. After one year, these items are removed from the LESO database and become the property of the law enforcement agency.

The majority of military surplus shipped to law enforcement agencies are non-controlled items, according to the DLA, which states that small arms weapons make up only 5% of what law enforcements receive.

Each item's cost, officials say, is what government agencies or military branches paid at the time the item was procured. Their current value is difficult to determine due to depreciation. It's also unknown whether the departments still have the items they received in most cases.

Avon Police Dept.

What did they request?

22 Automatic Pistols, .45 Caliber (initial purchase price: $58.71 each)

30 Rifles, 5.56 mm (initial purchase price: $499 each)

11 Rifles, 7.62 mm (initial purchase price: $138 each)

Acquisition value: $17,779.62

Beech Grove PD

What did they request?

1 Combat / Assault tactical wheeled vehicle (initial purchase price: $150,000 total)

1 Utility truck (initial purchase price: $41,447 total)

Acquisition value: $191,447

Carmel Police Dept.

What did they request?

3 Image Intensifier / Night Vision devices (initial purchase price: $6,392 each)

8 Rifles, 7.62 mm (initial purchase price: $138 each)

Acquisition value: $20,280

Cumberland Police Dept.

What did they request?

2 Rifles, 5.56 mm (initial purchase price: $749 each)

9 Rifles, 5.56 mm (initial purchase price: $499 each)

5 Rifles, 7.62 mm (initial purchase price: $138 each)

2 Sights / Reflex (initial purchase price: $1,472.55 total)

Acquisition value: $8,151.55

Fishers Police Dept.

What did they request?

12 Automatic Pistols, .45 Caliber (initial purchase price: $58.71 each)

17 Illuminator IR laser sights for small arms (initial purchase price: $1,058 total)

7 Rifles, 7.62 mm (initial purchase price: $138 each)

Acquisition value: $2,728.52

Greenwood Police Dept.

What did they request?

1 Unmanned vehicle, Ground (initial purchase price: $77,060 total)

4 Armor, Transparent, Vehicular Windows (initial purchase price: $4,572.04 total)

1 Mine Resistant Vehicle (initial purchase price: $658,000 total)

Acquisition value: $739,632.04

IndyStar reached out to the Greenwood Police Department last week for more information about its unmanned vehicle and mine resistant vehicle but heard nothing back as of Wednesday.

IMPD

What did they request?

(Most of this stuff is looking pretty normal, but there's some yikes in there too)

4 duffel bags (initial purchase price: $79.80 total)

6 pairs of men's boots (initial purchase price: $150 total)

12 pairs of cold weather boots (initial purchase price: $153.69 total)

25 Bivy covers / sleeping bag covers (initial purchase price: $131.53 total)

50 pairs of cold weather gloves (initial purchase price: $10 total)

1 gym bench (initial purchase price: $500 total)

46 cold weather jackets (initial purchase price: $65.68 each)

3 extreme cold weather jackets (initial purchase price: $94.15 total)

12 modular sleep systems / sleeping bags (initial purchase price: $262.82 total)

6 mounted sights (initial purchase price: $38.52 total)

120 Rifles, 5.56 mm (initial purchase price: $499 each)

8 Rifles, 7.62 mm (initial purchase price: $138 each)

336 Sight reflexes (initial purchase price: $2,226 total)

30 telescopes, straight (initial purchase price: $1,010 total)

Acquisition value: $65,968.91

Lawrence Police Dept.

What did they request?

1 Mine Resistant Vehicle (initial purchase price: $733,000 total)

10 Rifles, 5.56 mm (initial purchase price: $499 each)

4 Rifles, 7.62 mm (initial purchase price: $138 each)

Acquisition value: $738,542

Marion County Sheriff's Office

What did they request?

1 Mine Resistant Vehicle (initial purchase price: $733,000 total)

31 Rifles, 5.56 mm (initial purchase price: $499 each)

4 Rifles, 7.62 mm (initial purchase price: $138 each)

Acquisition value: $16,021

Metro School Dist. Pike TWP Police Dept, K-12

What did they request?

4 Rifles, 5.56 mm (initial purchase price: $749 each)

4 Rifles, 5.56 mm (initial purchase price:$499 each)

Acquisition value: $4,992

[buyresidentialpropertiesindubai]

Demystifying Mortgage Financing for Dubai Homebuyers

Mortgage financing in Dubai can be complex and overwhelming for homebuyers. This blog aims to demystify the process, providing clear explanations and practical tips to help you navigate mortgage financing with confidence.

For more information on home loans, visit home loan dubai.

Understanding Mortgage Financing

Mortgage financing involves borrowing money from a lender to purchase property, using the property itself as collateral. In Dubai, various mortgage products cater to different needs, including fixed-rate, variable-rate, and hybrid mortgages. Understanding these options and their implications is crucial for making an informed decision.

Key Mortgage Financing Options:

Fixed-Rate Mortgages: These mortgages have a constant interest rate throughout the loan term, providing predictable monthly payments.

Variable-Rate Mortgages: The interest rate on these mortgages can fluctuate based on market conditions, leading to potential changes in monthly payments.

Hybrid Mortgages: These combine features of both fixed and variable-rate mortgages, offering a fixed rate for an initial period followed by a variable rate.

Interest-Only Mortgages: These mortgages allow borrowers to pay only the interest for a specified period, followed by principal and interest payments for the remainder of the loan term.

Offset Mortgages: These link a savings account to the mortgage, reducing the interest payable on the mortgage by offsetting the savings balance against the loan balance.

For property purchase options, explore Buy Property in Dubai.

Steps to Demystify Mortgage Financing

Understand Your Financial Situation: Evaluate your income, expenses, savings, and credit score to determine your borrowing capacity.

Research Mortgage Products: Compare different mortgage products to understand their features, benefits, and potential drawbacks.

Get Pre-Approved: Obtain a pre-approval letter from your chosen lender, which shows sellers that you are a serious buyer and provides an estimate of how much you can borrow.

Choose the Right Mortgage Product: Based on your financial situation and preferences, select the mortgage product that suits you best.

Submit Your Application: Provide all necessary documentation to your lender to complete your mortgage application.

Negotiate Terms: Work with your lender to negotiate favorable terms, including interest rates and repayment schedules.

Seek Professional Advice: Consider hiring a mortgage consultant to guide you through the process and provide expert advice.

For mortgage consulting services, consider Mortgage Consultant Dubai.

Real-Life Success Story

Consider the case of Olivia, an expatriate in Dubai looking to buy her first home. Olivia was initially overwhelmed by the mortgage options and the complexities of the application process. She decided to seek the help of a mortgage consultant based on recommendations from colleagues. The consultant assessed Olivia’s financial situation, explained the different mortgage products available, and helped her choose the best one for her needs.

Throughout the process, the consultant handled all the paperwork, negotiated with lenders to secure a competitive rate, and kept Olivia informed at every step. This personalized service made a significant difference, reducing Olivia’s stress and ensuring a smooth and successful home purchase.

For rental property management services, visit Apartments For Rent in Dubai.

Common Challenges and How to Overcome Them

Navigating the mortgage market in Dubai comes with its own set of challenges. Here are some common challenges and how to overcome them:

Understanding Complex Terms: The mortgage market is filled with complex terms and jargon that can be confusing. A mortgage consultant can break down these terms and explain them in simple language.

Comparing Different Products: With numerous mortgage products available, comparing them can be overwhelming. A mortgage consultant can provide a clear comparison of different products, highlighting the pros and cons of each.

Handling Documentation: The mortgage application process requires extensive documentation. A mortgage consultant can help you gather and organize the necessary documents, ensuring that everything is in order.

Dealing with Rejections: If your mortgage application is rejected, a mortgage consultant can help you understand the reasons and provide guidance on improving your financial profile for future applications.

Securing the Best Rates: Negotiating with lenders to secure the best rates can be challenging. A mortgage consultant, with their industry connections and expertise, can negotiate on your behalf to get the most favorable terms.

For property sales, visit sell your house.

Future Trends in Mortgage Financing

The mortgage financing landscape in Dubai is continuously evolving, with new trends shaping the market. Here are some future trends to watch out for:

Increased Use of Technology: The integration of technology in the mortgage process is expected to increase, making applications and approvals more seamless.

Sustainability: There is a growing focus on sustainable and energy-efficient properties. Mortgages for green buildings and eco-friendly homes are likely to become more popular.

Flexible Mortgage Products: Lenders are expected to offer more flexible mortgage products to cater to the diverse needs of borrowers.

Regulatory Changes: Ongoing regulatory changes may impact the mortgage market, and staying informed will be crucial for borrowers.

Market Adaptation: The mortgage market will continue to adapt to economic conditions, including interest rate fluctuations and property market trends.

For more resources and expert advice, visit home loan dubai.

Conclusion

Demystifying mortgage financing in Dubai requires understanding the process, knowing your options, and making informed decisions. By evaluating your financial situation, researching mortgage products, getting pre-approved, choosing the right mortgage product, and seeking professional advice, you can navigate the mortgage financing process with confidence. For more resources and expert advice, visit home loan dubai.

[foreverlogical]

Jeffrey McConney, former controller for the Trump Organization, is among the people who has testified in the bench trial for New York Attorney General Letitia James' civil fraud case against the company.

James alleges that former President Donald Trump and his company seriously exaggerated the value of its real estate assets — an allegation that Justice Arthur Engoron, assigned to the case, agreed with in a September 26 ruling. And McConney has offered testimony on the Trump Organization's operations.

Trump's legal team has claimed that McConney has insufficient knowledge where property valuations are concerned. But the Daily Beast's Jose Pagliery, in a report published on October 12, lays out some reasons why that claim is problematic.

POLL: Should Trump be allowed to hold office again?

In court, Trump lawyer Jesus Suarez told Engoron, "Objection, your honor. Mr. McConney is not a valuation expert. He's not offered as a valuation expert."

But Pagliery explains, "The idea that the Trump Organization's long-time bean counter would be oblivious to the inner workings of real estate valuations seemed implausible, given that documents presented at trial showed that he was the key conduit to getting those very valuations compiled into Trump's annual statements of financial condition. That paperwork, which was signed off by outside accountants at the firm Mazars USA, was the reason that financial institutions like Deutsche Bank and Ladder Capital extended hundreds of millions of dollars in loans to Trump."

Pagliery continues, "Those funds allowed his company to seal several marquee deals, including the purchase of the Doral golf course in South Florida and the acquisition of the Old Post Office in Downtown Washington, which briefly became a Trump hotel. The inherently contradictory nature of Trump lawyers' stance on McConney underscored the sharp contrast on display at the ongoing bank fraud trial, where James is trying to bolster a case the judge has already decided has merit while Trump lawyers combat the very premise of the investigation. When investigators point to spreadsheets, the defense either shrugs, appears confused, or claims vastly inflated values are mere differences of opinion."

[shatteredvioletnuzlocke]

Chapter 11: Olive Harvest Tournament

Patch couldn’t tell what kept them up that night. Was it the pressure to win? Their constant need for productivity? Tamarind’s snoring? Suffice it to say, on the morning of the Olive Harvest Festival, Patch spared no time sleeping in.

As the sun rose, larger crowds joined to visit the bustling village in its festivities. The streets were more decorative than they were before. Olive-shaped balloons were tied to each lamp post. The doors of cottages were adorned with wreathes made from olive leaves and branches. 

Patch and Sage walked among the crowd, searching for the booth to enter the tournament.

   “Do you think all these people are entering the tournament too?” Patch wondered.

“I’m not sure,” Sage answered, “Tournaments only allow for twenty-four participants, so we better hurry.”

Oh man I hope I’m not to late! The Harvest Tournament was offering $15,000 P to the winner, and Patch owed 10,000 P to the village in property damage. Sage had already loaned them the first 2,000 P, but they have to pay her back at some point.

Finally, the two trainers found a tent with a Pokeball logo. A woman sat at the desk, collecting names on a clipboard. 

“Are you both here for the tournament?” The woman asked adjusting her glasses. 

“Yes,” Sage spoke for the both of them. 

The Tournament Volunteer eyed Patch, “Are you the one who broke our orchard trees? 

The hair on the back of their neck stood up, they almost felt violated, “You… know who I am?”

“I was told you might be entering,” she playfully smiled, “Let’s get you signed in. Name?” 

“Patch Callune,” Patch replied.

“Where ya from?” 

“Nacrene City, Unova!”

“Ah nice,” the volunteer said, jotting every word, “How many Pokemon will you be using? We have a 500 P fee per Pokemon.”

Aw man, there’s always a catch, Patch rolled their eyes. I can’t afford to pay for my whole team when I’m already low on cash. I have to use Tamarind… but using one Pokemon is too risky! The clock in their head was ticking forward, it was almost as if there was a bomb strapped to their chest. Who else, who else? Kombucha? Too stubborn! Flumpfy? I don’t know how well electric types do against bug types! Maybe a poison type will give me a bigger advantage?

“Mx. who are you battling with?” The woman tapped her finger on the wooden table. 

“Tamarind and Arturo!” Patch exclaimed as an imaginary timer went off, “My Fuecoco and Shroodle,” they clarified. 

They went ahead and handed the lady half of what Sage gave them in cash. In return, she handed Patch a large sticker labeled 15. They peeled the sticker off the wrapper and stuck it on their aquamarine shirt for all to see. 

“Go to the corral at the right end of the street, and wait with the other trainers,” the volunteer shooed them away. 

Patch followed her instructions and located the large. It wasn’t hard to miss, given little more than a dozen trainers were waiting inside. Some already had their Pokemon out to warm up, as Sage predicted most of them were bug types such as Venonats and Heracrosses. One trainer even had a Scyther sharpening its blade-like arms to presumably slice the competition. 

I have a fire type, Patch reminded themselves, I’ll be fine.

The corral was wide enough to fix eight small battlefields for the Pokemon to fight on. Patch wondered if it was normally used for holding majestic horse Pokemon. At the end of the corral, a stage had been set up with speakers and a banner in the correlating olive green shade. It read 37th Annual Cortondo Olive Harvest Tournament, Sponsored by Pasterie Soapberry and The Cortondo Gym. 

This village has a Gym?! Back in Unova, Gyms were expensive to manage. Only the largest cities were able to receive proper funding to keep their Gyms afloat. Perhaps Cortondo’s olive trade paid off more than met the eye. Now Patch had more of a reason to win, otherwise, the village would go bankrupt. 

It wasn’t long until Sage caught up with them, he was labeled as 4. 

“Wow, great turnout,” Sage commented on the other trainers, “I’m glad I caught that Fletchling yesterday when I did, I wouldn’t stand a chance.”

“Aren’t you nervous?” Patch gulped, “Some of these guys look tough!”

“A little bit,” Sage admitted, “But don’t let them intimidate you, some Pokemon aren’t as tough as they look.” 

I sure hope so…

After a while, a women in a flowy dress walked onto the stage and adjusted the microphone stand to meet her height. As she tapped the microphone three times it echoed of the speakers and everyone’s attention was placed on her. 

“Buenos Dias, and welcome everyone to our 37th annual tournament!” the lady announced.

She received a polite round of applause and cheering from the twenty-four participants awaiting for the tournament to kick off.

“First, and foremost I want to thank our Gym leader, Katy Soapberry, for sponsoring this event!” the announcer read off her clipboard. 

The aforementioned Katy entered the stage. She had a chubby yet curvy build with ivory, pale skin. She fashioned a chocolate-colored chef’s outfit, with a minty green ponytail sticking out of her hat.

“Thank you,” she said sweetly as the microphone elevated her southern charm, “I wish all of you luck in this year's tournament, and may this year’s winner triumph!”

“Without any further delay,” The announcer flipped to a new page, “We shall begin the primary rounds, each round will consist of three emlimnary rotations where you will only move on to the next round after victory in battle. An assigned referee will supervise you under League standards, so don’t try anything risky!”

Thats smart, Patch thought. They saw a person dressed in the same volunteer uniform standing at each court. 

She began to list the first groups, “May Trainers one through eight make their way to their respective courts!”

“That’s me, I better go!” Sage chimed in.

“Good luck,” Patch wished.  

Patch stood on the sidelines with the rest of the trainers, while Sage stood at the court on the farthest right. They could barely see if the battle had even commenced or if their friend was winning. 

Sage is way better than me, maybe just as good as Nemona… Patch could just picture Sage as Paldea’s next Champion rank trainer. That would make them a friend to two champions. 

The battle court in front of them had a white Squawkabilly gliding away from the blades of the ferocious Scyther. 

“Use X-Scissor!” their trainer commanded. 

The large mantis swung their blades with precision which the Sqwawkabilly was unable to dodge. It reminded Patch of their defeat yesterday, and the loss soon to come. Even with a fire type I don’t stand a chance…

The onlooking referee held a flag toward the Scyther declaring him the winner. Please don’t make me fight that.

“Hiya!” Sage startled their highly strung friend, “Good news, I passed!” 

Sage’s Fletchling, Scorch, perched on his shoulder. Their feathery, gray down remained unscathed. 

“Oh good,” Patch congratulated, “I knew you would!”

Once the last pair concluded their battle it was time for the next rotation of trainers, “May trainers nine through sixteen make their way to their assigned courts?!”

This was it, their moment was finally upon them and they could not feel more unprepared.

“Go on that’s you!” Sage encouraged them, “Don’t worry you’ll be fine!” 

Patch strode out to the courts with referees calling out to their respective trainers.

“Trainer twelve, Report to court A!”

“Where are you fourteen?!” 

“Number nine! Can I get number nine?! Vominose, number nine!”

A referee with a shaven stubble called to them, “Fifteen, over here!”

Patch marched up to their court before they were declared to be disqualified. To their surprise they recognized their opponent, it was the cranky biscuit vendor! He scowled at the anxious trainer, it was clear that Patch wasn’t forgiven.

“Get to it, Wheatley!” The old man threw his Pokeball. 

Out of the Pokeball, a large Fidough appeared and Patch was instantly smitten. Aw man why did have to be something so cute! Snap out of it Patch! It’s a fairy type… I still have a type advantage!

Patch retrieved Arturo’s Pokeball from their bag, making sure it had the right markings. “Go, Arturo!” They launched it into the air.

Arturo popped out, “Shree, shrew!” he squeaked.

“Battle begin!” the referee waved his flags.

Patch was quick to call the first attack, “Arturo, use Acid Spray!” 

The cranky old man followed suit, “Counter with Fairy Wind!”

“Bowww!” The Fidough summoned a sugary gust of wind.

As Arturo spat his attack at the dog, the acid was blown back toward him and burned into the ground at the dog. The odor of it filled the air with putrid, overwhelming fumes. 

Patch covered their nose, “Try again, with bite!”

“Shrooo!” The shrew launched himself in the air with open jaws. 

This time he landed a hit on the Fidough’s pillowy, soft body. Granted, he was small enough to shake off. But now a purple bite mark was present on their opponent's neck, and Patch almost felt guilty. I hope I won't get in trouble for that!

“Focus, Wheatley!” the old man complained, “Use, Mud Slap!”

Oh Arceus! “Dodge it, quick!” They ordered. 

 With each splash mud, Arturo effortlessly scampered away from being hit. Nice speed!

They decided to use Arturo’s energy to their advantage, “Now, Fury Swipes!” 

A pair of white glowing detracted from the Shroodle’s nubby little paws. He swiped at his opponent heavily landing more than one hit.

“Use Covet!” the old man hollered. 

However, Fidough didn’t follow his order and only panted with a huff.

The referee spoke, “Fidough is exhausted to battle!” he held a flag toward Patch, “Shroodle is the winner! Victory goes to Trainer Fifteen!” 

Patch stood awestruck, they won! They won an official battle! “Arturo!” they wiped a tear from their eye, “You did it!”

“Shroo Shroo!” Arturo squeaked back, hopping into his trainer’s arms. 

As the old man sprayed his Fidough with a potion they heard him murmur, “Keep it on a leash!”

That must be his answer to everything, Patch jokingly thought.

…

After the third rotation concluded their battles, sixteen trainers remained. But Patch knew it was only the beginning, their next opponent would be their real battle. 

The next round was split into four groups of four trainers battling at a time. This time Sage and Patch were called up together, thankfully fighting separate people. To their surprise, their opponent was the same Scyther trainer from before, the one they feared the most. 

The Scyther had an exoskeleton the color of wild grass. Its ivory blades were dented at the tip of its past battles. Meanwhile, its cream-colored wings were clean from any wounds. Despite it being a bug type it had a vicious, reptilian head that struck fear into Patch’s delicate heart.

Their trainer was not much better, he was a slender man with long brunette hair and a scar treading across his face. His posture was gangly and slouched. To Patch, this would be a horrific battle. To their opponent, it was another Wednesday.   

  Without any hesitation Patch called out Tamarind, hoping the light of his embers would guide them through the dark path ahead of them.

As soon as the referee lashed their flags, Patch attempted to declare “Use Emb-

“Dieter, Air slash!” The opponent interrupted.

In a flash the mantis beated it’s wings into the air and created glowing discs from swiping their scythes. 

Oh man that’s not good! “Tamarind, use Disarming voice!”

“Fueyye!” Tamarind chanted a honeyed pitch and unleashed an array of soundwaves. 

Alas, a disarming voice couldn’t penetrate through the air slashes, and the Fuecoco was hit. He slid down the court with his nails scratching against the surface.

“Tamarind,” Patch knelt to their Pokemon, “Are you okay?” 

Tamarind didn’t turn to face his trainer, instead, he marched back into his fighting position, “Fuey!” he growled. 

Patch readjusted themselves, putting full faith in their starter, “Okay..” they pushed their hat out of their eyes, “Use em-”

The gangly man cut them off once again “Use slash!”

The Scyther flew towards Tamarind and raised his blade. Then it dawned on Patch, He’s interrupting me on purpose! He knows that Scyther is weak to fire! 

“Tamarind, bite its arm!” Patch retorted.

Thankfully the Fuecoco was quick enough to grab the blade with his jaws as it came toward him. The mantis tried to shake him off but Tamarind latched onto them like a lock. 

Realizing they took both the Pokemon and trainer off guard Patch took the upper hand, “Use ember!” They finally proclaimed. 

Hanging by the edge, Tamarind unhooked his jaw to sputter a surprise flame. Now the Scyther’s blade-like membrane had a charred rip. Patch couldn’t tell if this was against the League's rules, but the referee didn’t comment or even seem surprised. Less than their opponent was.

They went on while they were still ahead, “Tamarind use-

“Wait until, number eight gives a command!” The referee finally stepped in, “Will you continue?”

The trainer’s posture was more crooked than before, “I-I…” He whimpered, “I will not…” He recalled his Scyther instantly.

“Victory goes to fifteen!” The referee raised a flag in their honor.

Patch couldn’t process the outcome. Of course, bug types were vulnerable to fire but their opponent was quick to withdraw as soon as a flame was lit. Did it only take one super-effective attack to win a fight? If they kept going would the Scyther become a pile of ash? What mattered was that they met the league’s standards. But Patch would keep Tamarind far away from any water Pokemon. 

…

With each new round, the number of trainers shrank, until Patch had to face one more challenger and fate saved the worst for last.

“We’ve gotten quite the interesting match-up folks,” the announcer declared, “Our last remaining challengers came a long way both figuratively and literally!”

Patch tried to focus on why they were fighting in the tournament in the first place. Just one more battle, and I get my prize money. It would all go fast but not in their favor.

“Number fifteen’s from Nacrene City, Unova, and a Uva academy Student,” the Announcer hyped them up, “They are in a a severe amount of debt, so please give it up for Patch Callune!” 

They muffled out the loud applause with the comforting texture of their hat. They walked toward a larger battle-court made just for them. Former participates and festival stood around them, expecting Patch to win.  

“Next up, a trainer also hailing from Unova in Icarius City and a Student of Naranja, please give it up for… Sage Winchell!” The Announcer riled the crowd up. 

Sage entered the court, holding his cane with both hands. He was clearly bothered by the crowd gawking at him and yet when he looked at Patch he smiled in solace. As if he found comfort in the battle. 

I’ve been lucky to make it this far, let’s hope my luck doesn’t run out! 

The referee stood at the sidelines, “Challengers choose your Pokemon!” 

Patch threw Tamarind’s Pokeball onto the court, and the fire croc came out yawning. Please don’t be to exhausted to fight, I need you!

Sage followed with their Pokeball, and his shinx appeared, placing his opponent in a frenzy. Damn, I should have chosen Arturo! Why didn’t I teach Tamarind any ground-type moves?! Patch stared fearfully at the shinx’s bristling fur. I’ve made Zia surrender before maybe I could do it again?

 “Zia use Thundershock!” Sage raised his cane.

Oh fuck we’re starting now! “Tamarind use… Round Voice!”

Tamarind turned his head toward Patch confused.

“UH DISARMING VOICE! I MEANT-” 

Before they could finish their command a thin bolt of static struck the the Fuecoco’s hyde.

Luckily, enough he followed through, “FUEY!” he sang agonizingly with sharp soundwaves. 

It kept the Shinx in place, but also irritated Sage. “Thunder Shock, again!” He raised his voice against the volume. 

Zia shook off another bolt as soon as Tamarind ended his song. The Fuecoco didn’t seem all too phased by the electric attacks. 

“Try Round!” Patch told their Pokemon.

“Use bite!” Sage followed up. 

“Maur!” Zia lunged with sharpened teeth and went right for the Fuecoco’s throat.

Crap, Patch worried remembering their battle yesterday, I should have seen this coming!

As the little Shinx sank her teeth into the Fuecoco’s scales, he began to cry out in agony, “Fuey- fuey co,” his voice became shriveled, “FUEY,” he choked out a large ember.

Zia was caught in the smoldering flame, taking damage but her voltage spared her pelt from sustaining any scars. The Shinx fell backward releasing the fire croc from her grasp. Patch was compelled to give Tamarind a potion after that nasty blow, but they realized Sage would do the same. Now was a better time than ever to make the first move.

“Tamarind use Disarming Voice!” Patch shouted.

“Fuey-eyye aye ay!” The fire croc warbled, his voice still scratchy from the bite to his throat.

Maybe he needed that potion after all?! Tamarind’s soundwaves were misshapen but raw with power. It was enough to keep Zia from coming any closer. 

After that, the two Pokemon were out of breath, equally as exhausted. Only the referee had the authority to claim the victor. Patch prayed for Tamarind to keep standing, heavily regretting the gamble they made to keep fighting.

Finally, at that moment, Zia collapsed to the ground. Immediately the referee raised a flag in Patch’s honorary victory.

“And it looks like our runner up is Patch of Nacrene City!” The announcer declared.

The sound of cheering faded out as the supposed “winner” retreated deep within the confines of their mind. I won… a whole tournament. All by myself… well almost… my team did most of the work.

They felt nudge by their side, “Way to go, Buddy,” Sage congratulated them with Zia in his arms, “You did a great job!”

Zia was panting heavily and Patch felt a little remorseful, “Is she okay?” 

“She’s not hurt, she just needs a potion,” Sage explained.

Potion! I almost forgot! Patch tended to Tamarind immediately, who was barely keeping his balance. They spritzed him down with a potion for a job well done.

“Fueyyy,” He slowly smiled. 

Proud of you big guy!

“Just you wait folks, the excitement isn’t done yet!” The announcer exclaimed over the speaker.

Not over, but I just won the tournament and all the prize money! What more could be left?

“Our tournament will conclude with one final round! Tomorrow, our remaining challenger will face our very own Gym leader for the cash prize!”  

“I’m going to what?!” Patch demandly asked the woman with applauding canceling out their voice .

Of course there was a catch.

[indizombie]

Against 10,881 farm suicides reported in 2021, NCRB recorded farm suicides to be 3.7 per cent higher in 2022 when a total of 11,290 farmers and farm workers took the fatal route. In 2022, of the 5,207 farmers who took their own lives, 208 were women. Similarly, of the 6,083 farm workers who committed suicide, 611 were women. Most suicides were reported from Maharashtra, Karnataka, Andhra Pradesh and Madhya Pradesh. Maharashtra alone reported 38 per cent of the total farm suicides, recording 4,248 suicides.

Devinder Sharma, ‘Incredible India! Wilful defaulters buy properties; farmers offer to sell body organs to pay-off loans’, Bizz Buzz

[thislovintime]

(Photo 3 by Henry Diltz/Corbis/Getty Images).

Content warning: mentions of alcoholism/addiction.

“‘I don't mean to paint such a bleak picture of [the 1960s],’ Tork said. ‘I still felt I was in the vanguard, along with a bunch of other people. I was pretty happy. I had a circle of friends, and it was a lot of fun. God knows, I went through a lot of scenes and found out what I needed to find out, which is, for instance, that orgies are nice, but they're only temporary and they're not fulfilling.’ Tork's infamous orgies were held at the Hollywood house he bought in 1968, previously the property of comedian Wally Cox. At the height of his fame, Tork could have paid for it in cash, but was advised against it. So he took out a huge loan and spent his money redecorating. In the master bedroom Tork's bed was eight feet by eight feet with a foam mattress six inches thick. He had a four-place bathtub put into the bathroom, along with a sauna. He had Mexican tiles laid. He carved his initials into the shower stall. There was red plush carpeting throughout the house, a wet bar in the foyer, six-by-nine-foot picture window in the living room overlooking the San Fernando Valley. The film room was a splendiferous workshop of sandblasted natural wood that housed Tork's resident filmmaker manqué. The screen covered the entire wall, offering a ten-by-twelve-foot platform for the flower of psychedelia's exploding visuals – viewed by exploding heads of all chemical persuasions, days on end. Just down the hall and across a bridge was another wing of the house. Downstairs was a cabana, leading to a fifty-foot pool. There were no houses behind his, so many people preferred to dive into the pool nude – straight out of his bathroom window. ‘I'd rather have nude swimming,’ reflected Tork; ‘it's much easier. There's a certain charge to bodies if they're covered up, and if you remove that, it takes a lot of that extra energy out of things.’ Originally, Tork brought a girl friend to live with him at the house. Then his filmmaker friend moved in. He was followed by a young woman and her son. Later a friend of his girl friend stayed there. When Tork quit the Monkees toward the end of 1968, his new group, Peter Tork and/or Release, moved in. Often, wandering downstairs of an early afternoon. Tork would come upon two or three strange bodies asleep in the walk-in fireplace. But that was all right. At the same time, it wasn't all right. ‘If you're fixed on the notion that an orgy is going to fulfill you, and one doesn't do it, you're going to try a hundred. If orgies don't do it, maybe drugs will. Like the fixated person I was then, I went from one thing to another. I had to try everything: flower power, dope, orgies, fast cars.’ His sternest nemesis was alcohol. ‘In the beginning drinking was a lot of fun,’ said Tork. ‘I have some memories of things that I did drunk that I never would have done sober, that I guess I always sort of wanted to do. But drinking isn't selective. It doesn't let you do exactly what you want to do and keep you from doing the things you don't want to do. Furthermore, at a certain point, and I think with certain personality types, it's addictive. You find you cannot drink moderately any longer. It finally reached a point with me where it was obvious that I was going to die if I kept up with it. I was never hospitalized, but I could see the path. I realized I was out of control.’”- When The Music Mattered (1984)

“During his comeback Tork discovered ‘too much chemistry' (drugs, not the high school course) was beginning to blur the faculties and waste the resources, financially, physically, spiritually, morally and emotionally. ‘Then a miracle happened. I found, “The Difference.” ‘I can’t name “The Difference” for a dozen reasons,’ Tork added, ‘one of which is that no name sounds the same to everybody. If I said, “God,” a lot of people — a previous self of mine included — would say, “Oh, spare me your sanctimonious bull.” If I say, “the cosmic patterning,” then it would be “Oh, spare me your hippie-dippy bull.”’ Okay. Call it ‘The Difference’ and be done with it. What difference did it make? ‘I was crazy,‘ Tork said. ‘I was behaving crazily. It wasn’t like I was a moral leper. I was just addictive and feeding my habit. Then one day I looked at the chemicals in my hand — in that case a bottle of beer — and I saw that I was not in charge. When I finally realized that, that’s when I began to recover. Since then I have been able to avoid the use and abuse of all chemicals, primarily and including alcohol.’” - The Cincinnati Enquirer, October 20, 1983

“I was very fortunate because I found myself to be an alcoholic and there is a community that is out to help and who will love you just because you’re an alcoholic who wants to get better. That was the beginning of my retrieval as a human being. Otherwise I’d be a bubbling pile of protoplasm in the gutter someplace.” - Peter Tork, Toxic Fame (1996)

“‘I have to say, I did anticipate it [what the interviewer called ‘Beatle-esque global mania’],’ shrugs Tork. ‘But what I never thought I’d see was us still being around 45 years later. ‘I didn’t even think I’d live to see 45.’” - Wales Online, May 13, 2011

“I didn’t know I’d ever be 50 years old.” - Peter Tork, ITN, September 2, 2015

“‘[Alcohol] that’s the one that nabbed me,’ Tork said. ‘Booze was my friend. The worries of the world sloughed off.’ 
One day Tork decided to start keeping a record of his drinking and soon found himself drinking in excess of 12 beers a day. 
 ‘But I wasn’t an alcoholic. Because when I was in jail, I couldn’t drink it and I was alright. When I was in the hospital, I couldn’t have it, and it didn’t bother me,’ Tork said. 
 The realization came one day while in New York when he found himself with a beer in his hand and suddenly realizing he had a problem. He talked to his wife and admitted to her that he had a problem and needed help. Tork praised the Drug Court system and other drug-recovery organizations. 
‘I could have died in agony or distress,’ Tork said. ‘But this, this is humbling. This stuff — Drug Court — this moment, standing in front of you — this is the other side.’” - visaliatimesdelta.com, October 29, 2010 

“He's been sober for almost 30 years, and recently took time to address graduates of a drug court in California as part of his theory that recovery from any addiction is incomplete without service to others. 
‘I have been given a huge treasure: to not have to drink, which was my experience,’ he says. ‘It was obliged, it was mandatory. To be relieved of that imperative is an enormous gift, a jewel beyond price. There is no amount of money to make me give it up. What would I do with the money? ... And to keep this gift is to deny it to others.’” - Pittsburgh Tribune-Review, November 4, 2010