#low-interest debt

[mirrorreview]

If you are financially incapable of paying off your loans, getting out of debt and keeping a good credit score might be challenging. Debt consolidation loans can help you reduce your debts and deal with this situation. We have selected some of the best low-interest debt consolidation loans you can choose from, to save you and help you get out of debt.

To better understand this article, you must first discuss what Debt Consolidation Loans are and how the loan works.

[tododeku-or-bust]

"100k isn't a lot of money" shit I think this needs an experiment. Give me your 100k. I don't know if it would solve all my problems but we can find out 👀

[katyspersonal]

Cool.. Our rent price got raised. :') I did not know it was even possible to get even MORE poor than me and mom already were, but here we are. Guess I'll start surviving on literal bread and water at this rate.

[phantomrose96]

If anyone wants to know why every tech company in the world right now is clamoring for AI like drowned rats scrabbling to board a ship, I decided to make a post to explain what's happening.

(Disclaimer to start: I'm a software engineer who's been employed full time since 2018. I am not a historian nor an overconfident Youtube essayist, so this post is my working knowledge of what I see around me and the logical bridges between pieces.)

Okay anyway. The explanation starts further back than what's going on now. I'm gonna start with the year 2000. The Dot Com Bubble just spectacularly burst. The model of "we get the users first, we learn how to profit off them later" went out in a no-money-having bang (remember this, it will be relevant later). A lot of money was lost. A lot of people ended up out of a job. A lot of startup companies went under. Investors left with a sour taste in their mouth and, in general, investment in the internet stayed pretty cooled for that decade. This was, in my opinion, very good for the internet as it was an era not suffocating under the grip of mega-corporation oligarchs and was, instead, filled with Club Penguin and I Can Haz Cheezburger websites.

Then around the 2010-2012 years, a few things happened. Interest rates got low, and then lower. Facebook got huge. The iPhone took off. And suddenly there was a huge new potential market of internet users and phone-havers, and the cheap money was available to start backing new tech startup companies trying to hop on this opportunity. Companies like Uber, Netflix, and Amazon either started in this time, or hit their ramp-up in these years by shifting focus to the internet and apps.

Now, every start-up tech company dreaming of being the next big thing has one thing in common: they need to start off by getting themselves massively in debt. Because before you can turn a profit you need to first spend money on employees and spend money on equipment and spend money on data centers and spend money on advertising and spend money on scale and and and

But also, everyone wants to be on the ship for The Next Big Thing that takes off to the moon.

So there is a mutual interest between new tech companies, and venture capitalists who are willing to invest $$$ into said new tech companies. Because if the venture capitalists can identify a prize pig and get in early, that money could come back to them 100-fold or 1,000-fold. In fact it hardly matters if they invest in 10 or 20 total bust projects along the way to find that unicorn.

But also, becoming profitable takes time. And that might mean being in debt for a long long time before that rocket ship takes off to make everyone onboard a gazzilionaire.

But luckily, for tech startup bros and venture capitalists, being in debt in the 2010's was cheap, and it only got cheaper between 2010 and 2020. If people could secure loans for ~3% or 4% annual interest, well then a $100,000 loan only really costs $3,000 of interest a year to keep afloat. And if inflation is higher than that or at least similar, you're still beating the system.

So from 2010 through early 2022, times were good for tech companies. Startups could take off with massive growth, showing massive potential for something, and venture capitalists would throw infinite money at them in the hopes of pegging just one winner who will take off. And supporting the struggling investments or the long-haulers remained pretty cheap to keep funding.

You hear constantly about "Such and such app has 10-bazillion users gained over the last 10 years and has never once been profitable", yet the thing keeps chugging along because the investors backing it aren't stressed about the immediate future, and are still banking on that "eventually" when it learns how to really monetize its users and turn that profit.

The pandemic in 2020 took a magnifying-glass-in-the-sun effect to this, as EVERYTHING was forcibly turned online which pumped a ton of money and workers into tech investment. Simultaneously, money got really REALLY cheap, bottoming out with historic lows for interest rates.

Then the tide changed with the massive inflation that struck late 2021. Because this all-gas no-brakes state of things was also contributing to off-the-rails inflation (along with your standard-fare greedflation and price gouging, given the extremely convenient excuses of pandemic hardships and supply chain issues). The federal reserve whipped out interest rate hikes to try to curb this huge inflation, which is like a fire extinguisher dousing and suffocating your really-cool, actively-on-fire party where everyone else is burning but you're in the pool. And then they did this more, and then more. And the financial climate followed suit. And suddenly money was not cheap anymore, and new loans became expensive, because loans that used to compound at 2% a year are now compounding at 7 or 8% which, in the language of compounding, is a HUGE difference. A $100,000 loan at a 2% interest rate, if not repaid a single cent in 10 years, accrues to $121,899. A $100,000 loan at an 8% interest rate, if not repaid a single cent in 10 years, more than doubles to $215,892.

Now it is scary and risky to throw money at "could eventually be profitable" tech companies. Now investors are watching companies burn through their current funding and, when the companies come back asking for more, investors are tightening their coin purses instead. The bill is coming due. The free money is drying up and companies are under compounding pressure to produce a profit for their waiting investors who are now done waiting.

You get enshittification. You get quality going down and price going up. You get "now that you're a captive audience here, we're forcing ads or we're forcing subscriptions on you." Don't get me wrong, the plan was ALWAYS to monetize the users. It's just that it's come earlier than expected, with way more feet-to-the-fire than these companies were expecting. ESPECIALLY with Wall Street as the other factor in funding (public) companies, where Wall Street exhibits roughly the same temperament as a baby screaming crying upset that it's soiled its own diaper (maybe that's too mean a comparison to babies), and now companies are being put through the wringer for anything LESS than infinite growth that Wall Street demands of them.

Internal to the tech industry, you get MASSIVE wide-spread layoffs. You get an industry that used to be easy to land multiple job offers shriveling up and leaving recent graduates in a desperately awful situation where no company is hiring and the market is flooded with laid-off workers trying to get back on their feet.

Because those coin-purse-clutching investors DO love virtue-signaling efforts from companies that say "See! We're not being frivolous with your money! We only spend on the essentials." And this is true even for MASSIVE, PROFITABLE companies, because those companies' value is based on the Rich Person Feeling Graph (their stock) rather than the literal profit money. A company making a genuine gazillion dollars a year still tears through layoffs and freezes hiring and removes the free batteries from the printer room (totally not speaking from experience, surely) because the investors LOVE when you cut costs and take away employee perks. The "beer on tap, ping pong table in the common area" era of tech is drying up. And we're still unionless.

Never mind that last part.

And then in early 2023, AI (more specifically, Chat-GPT which is OpenAI's Large Language Model creation) tears its way into the tech scene with a meteor's amount of momentum. Here's Microsoft's prize pig, which it invested heavily in and is galivanting around the pig-show with, to the desperate jealousy and rapture of every other tech company and investor wishing it had that pig. And for the first time since the interest rate hikes, investors have dollar signs in their eyes, both venture capital and Wall Street alike. They're willing to restart the hose of money (even with the new risk) because this feels big enough for them to take the risk.

Now all these companies, who were in varying stages of sweating as their bill came due, or wringing their hands as their stock prices tanked, see a single glorious gold-plated rocket up out of here, the likes of which haven't been seen since the free money days. It's their ticket to buy time, and buy investors, and say "see THIS is what will wring money forth, finally, we promise, just let us show you."

To be clear, AI is NOT profitable yet. It's a money-sink. Perhaps a money-black-hole. But everyone in the space is so wowed by it that there is a wide-spread and powerful conviction that it will become profitable and earn its keep. (Let's be real, half of that profit "potential" is the promise of automating away jobs of pesky employees who peskily cost money.) It's a tech-space industrial revolution that will automate away skilled jobs, and getting in on the ground floor is the absolute best thing you can do to get your pie slice's worth.

It's the thing that will win investors back. It's the thing that will get the investment money coming in again (or, get it second-hand if the company can be the PROVIDER of something needed for AI, which other companies with venture-back will pay handsomely for). It's the thing companies are terrified of missing out on, lest it leave them utterly irrelevant in a future where not having AI-integration is like not having a mobile phone app for your company or not having a website.

So I guess to reiterate on my earlier point:

Drowned rats. Swimming to the one ship in sight.

[loansmee]

Finding personal loans with fair credit can be challenging, but it's possible with the right strategy. This comprehensive guide covers top lenders, the application process, and tips to improve your credit score. Learn how to navigate the loan market with fair credit, understand the benefits of personal loans, and explore various loan types. From debt consolidation to emergency expenses, discover how to secure the best terms and rates for your financial needs in the USA. Achieve financial stability with informed decisions and expert advice.

[assetalliance]

Apply for Debt consolidation loan in Dubai

Apply for Debt consolidation loan in Dubai

Debt Consolidation in UAE

Lately, numerous indebted individuals are shuffling between many advances like home credit, vehicle advance, individual advances and charge cards. The significant expense of living, particularly in the UAE locale and the upscale way of life makes individuals spend too far in the red. At the point when the  Debt Consolidation Loan goes out of hand, they approach banks or monetary establishments for an  Debt Consolidation Loan solidification credit.

What is Debt Consolidation Loan?

Envision overseeing 3-4 credits and paying various portions for every single one of them. These credits can be various paces of revenue and furthermore with various banks.  Debt Consolidation Loan union credit is an item presented by most banks and monetary establishments which assist with uniting every one of your advances into one single credit. The residency, pace of interest and advantages can fluctuate however the customers accept it assists them with starting their excursion of an  Debt Consolidation Loan free life.

Benefits

Better following of funds - Since you have just a single credit to reimburse, the quantity of portions boil down to one as well. This recoveries you a great deal of time, exertion, and cash, engaged with making different installments. This way you can follow your credit parts like financing cost being charged, and so forth without any problem.

Manage debts easily - Having numerous credits can a little confound. A solitary credit can be overseen effectively and the installments should be possible on time with no deferrals.

Lesser interest to be paid -As a rule, banks and monetary foundations offering  Debt Consolidation Loan union credits offer a lower pace of revenue. Thus, by solidifying different credits, you can be guaranteed of setting aside cash which was being paid as revenue.

Less percentage of Debt repayment amount on monthly expenses - Low financing cost will without a doubt diminish the regularly scheduled installment made on the obligations which can save the credit holder a lot of cash.

Credit rating When you are shuffling between numerous installments for various credits, odds are you could miss or defer specific portions. This can antagonistically influence your credit score and bring on some issues for profiting further advances whenever required.  Debt Consolidation Loan combination advances helps you by diminishing the possibilities missing or postponing installments in this way further developing your financial assessment.

Stress-free We live in a world loaded with pressure. A credit is likely the greatest supporter of stress in our lives. By solidifying your obligations you will feel a drop in your feelings of anxiety since every one of your portions would be converged into a solitary installment consistently.

Extra advantages Alongside these banks could offer advantages like free deferment of portions, elegance period for portion installments, limits on handling charges, and so on.

Eligibility

Each bank and monetary establishment have its own qualification rules which should be checked exclusively. Nonetheless, a few essential prerequisites are as per the following:

Debt Consolidation Loan to Weight proportion [DBR] shouldn't surpass 50%

Most banks have a prerequisite of pay move

Least compensation begins at AED 7000

Should be a UAE inhabitant

Ought to have credits in UAE to unite

Expenses and charges are generally like ordinary individual advances however they should checked before apply.

Which banks offer  Debt Consolidation Loan advances in UAE?

Highlights

Loan cost begins from 3.44%

Can get an effortlessness time of 90 days for the first portion

Can delay up to 2 portions consistently

NO handling expense

High money measure of up to 3000K AED

Fast endorsements

Employment cutback assurance

ADIB Visa cashback Mastercard as free

Documents Required

Responsibility Letter

Compensation Move Letter according to the bank's organization

Last 3 - a half year bank Explanations

Finished and marked branch application structure

Identification Duplicate

Legitimate Emirates ID

Home Visa (only for expats)

How to know that Debt consolidation loan will work for you?

 Debt Consolidation Loan solidification is a long drawn process. Customers with various Visas and no investment funds to reimburse them ought to fundamentally consider   Debt Consolidation Loan union as this can essentially decrease the loan costs.  Debt Consolidation Loan solidification requires an immovable  Debt Consolidation Loan to new reimbursement design and determination to follow it all through the residency of the credit. On the off chance that this is you,  Debt Consolidation Loan union credit can assist you with becoming  Debt Consolidation Loan free.

Contact us: 971-555394457

[debthelperdotcom]

Debthelper Success Story

[akalmortgages]

Debt Consolidation Mortgage | Simplify Your Payments | Akal Mortgages

Looking for a way to simplify your debt payments? Akal Mortgages offers expert debt consolidation mortgage services that can help you reduce your monthly payments and save money. Contact us today to learn more about how we can help you take control of your finances.

[determinate-negation]

“Prior to October 7th, between 170-200,000 Palestinians worked in Israel (roughly 75% with work permits—with around 90% of these permits going to Palestinians living in the occupied West Bank). After October 7th, nearly all Palestinian workers were fired, their work permits revoked, and their range of movement, already limited, restricted even further. The economic damage has been immense particularly in construction and agriculture, where the majority of Palestinians had been employed (it is an aspect of Zionist cruelty that Palestinians—a highly educated people—should be confined to low-wage manual labor employment in two of the primary economic sectors which have been used to advance their dispossession). To provide the starkest example: the construction industry, which accounts for 6-7% of Israeli GDP was, as of December 2023, operating at only 30% of its pre-October capacity, and fully half of all building projects were on hold.

Although business interests were able to pressure the government to allow a paltry 8–10,000 Palestinians back to work in December, the short- and long-term solutions to the problem of Israeli dependence on Palestinian labor (and, indeed, for the Zionist it has always been a problem) appears to be the increasing importation of foreign workers from Asia and Eastern Europe, particularly Thailand and India. It should be noted that Israel has used debt—the result of exorbitant “placement fees” charged by recruiters in workers’ home countries—to trap many foreign workers in hyper-exploitative working conditions enforced by geographic isolation. This is the paradigmatic form of modern slavery. Even if cheap imported labor were to get the construction industry back on track, the war has also resulted in the downgrading of Israel’s credit rating, a sharp decline in imports and exports, the almost complete pause of its tourism industry, a snowballing cancelation of arms deals the world over and, in the case of Turkey, trade relations as well, yielding an almost 20% contraction of its annualized GDP.

With these numbers, it could be said that Israel’s present genocide against the Palestinians harms both its short-term and long-term economic interests, sacrificed for the drive to extermination. But the enforced economic obsolescence of the Palestinians must be understood as integral to the drive for their extermination. Employing the brute force of siege, Israel has succeeded in cutting many Palestinians off from much of the global economy—now, entirely in the case of Gaza, and increasingly so in the case of the West Bank. Even those who are able to run businesses with international clientele face delays or de facto bans from cash-transfer sites like PayPal, and imports, exports, and access to certain goods are all controlled and restricted by Israel. These restrictions limit access to raw materials, affecting the types of industry Palestine is capable of sustaining, and limiting prospects for economic development.

Palestinians' limited access to the global economy in turn nurtures a dependency on Israeli goods and employment. But this dependency cuts both ways—Israel has grown dependent on Palestinian labor, which renders Palestinians necessary to the functioning of the Israeli economy and also creates barriers against their total social exclusion (not only in the sense that this labor requires social interaction with the Israeli populace). As Bataille writes in The Psychological Structure of Fascism, “money serves to measure all work and makes man a function of measurable products. According to the judgment of homogenous society, each man is worth what he produces.” In capitalist society, productivity becomes the prerequisite to admittance to social life. To totalize race-based social exclusion, then, the target population must be rendered economically obsolete. “As early as 1895,” Fayez Sayegh notes, “Herzl was busy devising a plan to ‘spirit the penniless population across the frontier by denying it employment.’”

Nazi Germany understood this as well: the 1938 “Regulation for the Elimination of the Jews from the Economic Life of Germany” completed the work begun three years prior by the Nuremberg Laws, which stripped Jews and other groups of their citizenship and enshrined racial classification and separation into law. “The Jewish middleman,” Adorno and Horkheimer write, “fully becomes the image of the devil only when economically he has ceased to exist.” In apartheid society, in which the target population is seen as subhuman, or at least undeserving of rights or consideration, the wage remains one of the last means of verifying their humanity: beasts may be productive, but they do not earn a wage. The attempted elimination of Palestinian labor from the Israeli economy marks one of the final steps on the way to their full dehumanization in the Zionists’ eyes, one that prepared the way for the present mass extermination.

Zionism is not, then, a race-based system of economic exploitation at its core, though it does benefit from such exploitation: it is, first and foremost, a program of land acquisition. We can see the dual attack on Palestinian economic self-determination and land ownership in Israel’s routine destruction of Palestinian olive groves. Settlers, often armed or otherwise protected by armed agents of the state, uproot, burn, or cut down olive trees, with increasing frequency since 2019. The aim is to drive Palestinians from their land by destroying the subsistence produced by the land itself and nurtured over centuries by Palestinian farmers, in an effort to “Judaize” the area. As Palestinians flee from unchecked violence, forced from their land at the barrel of a gun, Jewish settlements appear in their wake, strictly illegal but in practice facilitated by the state until they are eventually recognized and assimilated into the legally regulated regime of property. (The whole cycle of legalizing illegal settlements, in any event, is something of a formality as their existence and proliferation is the entire raison d’être of the Zionist project.) When Palestinians refuse to leave and cannot be forced, they are murdered.”

Jake Romm, Elements of Anti-Semitism: The Limits of Zionism in Parapraxis Mag

[wonnieaura]

financial knowledge for the girlies 🤍🍓💸

Develop a budget: Creating and sticking to a budget can help you better understand your income and expenses, and learn how to prioritize your spending.

Save regularly: Saving money is crucial for achieving financial stability. You can set up automatic transfers to a savings account so you won't be tempted to spend the money.

Pay off debt: High-interest debt can hinder your financial progress. Make a plan to pay off your debts and focus on high-interest debts first.

Invest wisely: Investing can help your money grow over time. Look for low-cost index funds, which can give you broad exposure to the market at a low cost.

Understand compound interest: Compound interest is the interest you earn on interest. By investing consistently, the power of compound interest can help you build wealth over time.

Research before making big financial decisions: Before making a major decision, such as buying a house or car, research different options and weigh the costs and benefits.

Learn from your mistakes: Every failure or setback can teach you something valuable. Use these experiences to inform your future financial decisions.

Get professional advice: Seek advice from a financial advisor if you're unsure about your financial decisions. They can provide guidance on investments, retirement planning, and tax strategies.

Be aware of scams: Scammers can take advantage of financial illiteracy. Be cautious when someone offers an investment that's too good to be true.

Continuous learning: Financial knowledge is constantly changing, so stay informed by regularly reading financial news, books, and attending classes or webinars.

[selfdebtrelief]

There are quite a few companies that offer debt relief services and it can be difficult to determine which one is the best fit for your needs. If you're looking for low interest debt consolidation debt, then a self debt relief company is likely your best bet. These companies typically have relationships with creditors and can negotiate lower interest rates on your behalf. This can save you a significant amount of money over time and help you get out of debt more quickly.

Self Debt Relief is one of the best debt settlement agency in US offers services including debt consolidation, debt management, and debt relief etc.

For More Detail Visit: www.selfdebtrelief.com

Call: +1-888-615-0171

Mail: Info@selfdebtrelief.com

[strawberryvanillafrosting]

success life story ♡

heyy i'm here to share about my success story, the beginning is only before i started manifesting and about when i just started, all my success are on the very end of the blog, so feel free to skip directly at it if you're not interest by all the rambling !

have a good read ☆

michiko is so pretty, i've literally been told so many times i looked liker <3

the old story that i don’t live in anymore

okay so before i didn’t hate my life, at all, but i just found very dull and so poor of entertaining like it was just too fucking regular and repetitive.also a bit depressing. i thought of myself of such an unlucky girl before and i was like affirming all the fucking time that i was unlucky and guess what? everything really used to go the way i didn’t want it to go every single damn time and i’d be like i knew it im so unlucky boo-hoo.

same for the money i would just go every single fucking day rambling to my friends how poor i was and how i wanted money so bad and the same story every single fucking for days, weeks, months.

i really wanted a new appartement and my own room cause i used to share same room as my sister and it really was getting on my nerves, i had no privacy and place for myself. the apartment was small, my mum always kept complaining about it and then she would argue about my dad about it but the reason why we couldn’t move out despite trying for several months was cause my dad had whole lotta debts and my mom had a really low paying and hard job she was exhausted and, it was quiet hard to see them being this unhappy and they still tried their hardest to make us happy so i really wanted to get back at them.

about social life i had very few friends and barely went out, i'd say probably one time a month. and i really wanted to get that life of the party, and those big ass friends group and also i was crazy desperate about having black friends cause i am black and literally the only black out here without none of black friends and i felt pretty left out like wtf am i the only black girl with no black friends cause all of them (that's so dumb tho.. ) were friends and gets invited to the most fun hangouts and i was embarrassingly jealous of that and also complained a lot about it…and kept asking tf was wrong with me.

STRONGLY on this one : i wanted a relationship so bad and i kept hating and being sad to those couple on tiktok’s. one time i actually cried cuz i wanted a boys’s love so bad like i was craving it so bad. i was in such despair state before..cringy ahh ☠️

i used to be rlly insecure about my looks too even tho at some moments i felt more confident, i kept comparing myself and waisting dozens of minutes enumerating my "flaws ". i knew about manifestation but not really about law of assumption , for me manifesting was really all about listening to subliminals, method and scripting. we all once knew that phase yeah? i used to manifest from time to time but then would just give up again,since i was not seeing results and so on. so useful wow.and then there’s the others things like mediocre grades, poor family health, just constant tiredness and fatigue feeling,

tw : mention of being depressed,sh,ed, : felt empty like life had absolutely no meaning, suicidal thoughts, tried to end by over-consumption of medication, self-harm and bulimia, constant complaining and NEGATIVE ONLY mindset.

but now, NOW i tell you ever single thing i’ve just listed changed completely like every single damn thing i’ve just listed is no more, it’s out of the date, dead, buried and no longer existing !

it clicked

then at some point at my life i was just like. yk what? fuck i just wanna change it all. then i really like really  got into it all over again and for good. no more 1 week i try then giving up cause i ain’t seeing no « results ».

i watched hours and hours of ppl talking about loa (i’m not saying you should do this at all it’s just that i was very under-informed and wanted to know everything about loa)on youtube, shoutout to rita kaminski and hyler who really put me into it and informed me. then i started reading neville’s pdf books, and tumblr blogs, kinda overconsuming but i liked getting myself informed.

and then that’s where everything started and that i got aware of all the power i actually hold. all the things i actually can do just cause of my mind. i wrote down all my wishes in present tense ,like every single aspect i wanted to change/have in my life. and i started fully living in the end like really got myself into and at first of course, wavering from time to time in the beginning. it was pretty easy for me since i was used to manifestation.but what i didn’t do before is persist no matter what and that’s what was really tricky for me in the beginning to persist no matter what and not just give up to bullshit 3D. but when i kept moving forward no matter the 3D and made it facts the only my 4D matters and everything has already happened, ALL and every single wish down to the last one flowed into my life. ONE by ONE every single hour of the day i would get my manifestations down to the last letter i wrote in my notes.every single thing

success storyy

in a matter of few weeks like really 3 week-ish like- 1 month max.

starting off LUCK i’m extremely lucky now every single time i play gambling activities i win. i’ve won insane amounts at scratch cards i think i’ve won in total more than 5’000$. JUST FROM SCRATCH CARDS.and before i started i NEVER EVER WON. now whenever i play there’s not one time that i’ll win absolutely nothing even just a small prize

won huge lottery prize (from 200 to 12k the biggest i’ve won yet)

winning a gambling games, either online or dice rolling luck,bets, bingos etc.. its literally insane every one keep telling that i literally has got god’s blessing (i’m the god guys🥰)

financially freedom, my parents upgraded jobs and i’ve got lots of incomes + the money my parents give me 

all the debts my dad had, he got rid of ALL of them and when i tell you mf had a lot of em☠️

move out in a new huge ass condo which is a duplex (like really like i wrote it it’s actually scary how powerful we are..) I’VE FINALLY GOT MY OWN ROOM and we’re getting my desired furnitures and decorating the house i’m so grateful

friends and popularity i think biggest shock for me is really this. like my social life has gone from very paisible to completely fully booked and passioning life. like seriously i’ve been to more parties, concerts, birthdays, and hangouts during the last 2 weeks holidays than in my entire life

got lot of new friends, healthy relationships and quality time passed on lots of fun activities and sm memories

black groups friend. WITH AN S.so thankful to myself to be this good a manifestation i litteraly got into a black friend group of girls and i’ve never felt more at my place and understood this much. and these girls know the black group boys (when i tell you that 2y ago they were the person that i wanted to be close with so bad..also they’re really hot and funny lol)so we hung out with them and i was literally so highlighted and became pretty much friends with all of them !! 

my man. HELLO I LITERALLY MANIFESTED MY DREAM RELATIONSHIP? when i met him i didn’t actually realize right on the spot that he was exactly how i wanted him to be and reading back to when i scripted out all the things i wanted at the beginning, everything matched. he’s literally physically and mentally the man of my dream LIKE REALLY. we’re no bf and gf YET cause it’s just a little soon but we see each others super often and we have the best relationship ever i swear it’s giving wattpad. the flirting is crazyyy.

dream bod.from head to toe my desired body. heavy on the lower body all for that azz and wide hips.ive got smooth and clear skin and smell good all the time!! litteraly flawless face + got my braces which suits so much and dimples

plenty of vacations (went to ibiza, usa and dubai )

lenient parents they use to be so strict before i swear its crazy they let me go so easily now, i can hangout without asking 3 days ,like they accept even if i've gotta go in the next hour or if wanna go on trip that's in another country. i can come back home so much later too

attractive & magnetic aura + being really charismatic (everyone i met keep telling me i’ve got this thing that really makes them want me, get closer to me)

good grades without doing much

perfect self-concept - as i kept living 24/7 in the state of wish fulfilled, my self concept only got better making me really know what i’m worth and never wavering/ going back to the old story

whole ass pc set up

all of my desired skincare/makeups/shoes/clothes

and so much more...

outro

i hope y'all liked my blog and that it motivated some of you to NEVER GIVE UP cause y'all are reallyy some powerful mfs and y'all already got all of yours desires !!

˚ ༘♡ ⋆｡˚ honey kisses, shayama

[creativefinancialgroup]

50 likes!

bit.ly/creditfixtoday

bit.ly/iwannaworkinmypajamas

bit.ly/ineedaloan

[dazed-and-confused23]

Dear Hearts and Gentle People

Summary: You don't expect to see the ghoul you fucked two weeks ago passed out in the sand close to a caravan trail. You stop and decide to help.

Pairings: The Ghoul | Cooper Howard x Female Reader

Continuation -> HERE

*this ghoul has taken me by the reins and will not let go. So I hope you enjoy some fluff and a continuation of Quickie.

Considering that your profession is that of a wondering trader, you have all sorts of goodies for sale at all times. That included the drug that all ghouls coveted, the liquid miracle that kept them from going feral. You didn't know what it was made from or how it was made, but they sold for good caps, so you kept them handy.

And it was fortunate that you did so when you find the ghoul that you'd had sex with not two weeks ago passed out on the side of the dirt trail. You cautiously approach, gun at the read in case he'd already lost himself and gone off the deep end. You nudge him with the toe of your boot.

"Hey, Uh- Cooper, right? You okay down there?" You ask, and a groan of displeasure is your answer. You sigh heavily and crouch, placing both hands on his side so that you can roll him over to his back. The ghoul blinks up at you slowly, and you wonder how long he's been here.

Cooper licks his dry lips, searching this smoothskin's face, and his lips pull up in a tired smirk when he realizes that it's you who found him. Huh. What were the odds.

"Well," He croaks, voice low and weak, "Aren't you a sight for sore eyes."

You huff at him and take in his disgruntled appearance, the ghoul dried out and baked in the high sun. This weak, Cooper must have been here for at least a full day. You were impressed that he was still alive.

"We should really stop meeting like this," you quip and sling you backpack around you. You shift through the pockets until you find the metal case you keep the chems you sell inside. The ghoul watches you with interest, cracked lips twisted in a pleased smirk.

"Right pocket," He gruffed out, and you understood her meant his inhaler. You fished it out and loaded the drug in, then pressed the mouthpiece to his lips before pressing down the plunger. Cooper greedily sucked it down, and a shot of energy blazed through his system, allowing the ghoul to push himself up after a moment.

You stood and stepped back to give him room, watching with interest as Cooper dusted himself off and fixed his hat back on his bald head. He clears his throat when he turns to you, a curious look in his pretty eyes.

"What do I owe you?" He asks. The ghoul isn't fond of being in debt to people, even the ones he likes.

You shrug, though a mischievous smile lingers on your lips, and you hand over two extra vials of the drug that the ghoul obviously needs. It wouldn't be that big of a hit to your profits.

"Let's just say it's on the house," you say and wink at Cooper, who laughs and closes the distance between the two of you. His hand finds your jaw, cradling it in his calloused palm.

"Then allow me to pay you for any future transactions, Darlin'," Coop rumbled and then tugged you in for a much needed kiss.