#non-bank loans

[diagnozabam]

Plafonarea Dobânzilor la IFN-uri Intră în Vigoare: Protecție Financiară pentru Consumatorii cu Credite de Consum

Începând de luni, 11 noiembrie, noua lege care plafonează dobânzile pentru creditele acordate de instituțiile financiare nebancare (IFN-uri) intră în vigoare, oferind protecție suplimentară persoanelor vulnerabile financiar. Legea impune limite clare asupra dobânzilor și totalului sumelor de rambursat, reglementare care poate preveni acumularea datoriilor excesive pentru împrumuturi de consum.…

[cosmogyros]

Literally can't pay my rent until I get paid for September, which hasn't happened yet. Today is Friday, and Monday is the last day of the month. I'm so tired of being poor.

[yesyourstalker]

Warabi: Hi, welcome to rock shock. We have a sale If you buy one shirt you can get one free or a premium shirt 25% off....... I- op..... Wow!!!. I thought you were my dad for a second! I didn't even recognize you

Mhai: why do you look like that!! Where are your piercings?!? your tattoos!!...... Your tentacles!!! Your face!!!

Neta: I have to go to the bank today. To do some very important business. I have to present "professionally" so no piercings, No body mods, no tattoos visible. I had to use some makeup to cover my neck and hands. Face clean shaven, tentacles cut to an "appropriate" length.............*sigh*. it'll all grow back in 2 months.

Mahi: is it true when you cut your tentacles they turn into little guys or Is that like propaganda or something?

Neta: yeah they do that It's not as common you assume. The method to prevent that from happening is the twist and pinch method they take the base where you want to cut it. You pinch and twist and then cut the tentacle off that prevents it from actually growing and becoming a little octarians. Mine's been cut off so much it doesn't even do it anymore.

Warabi: I used to keep them as friends when I was little. I had one named Steve. He used to dance and stuff. My grandpa sent him to the military............... He's probably dead.

Taka: hey you twerps anyone know where my man is? I'm planning a surprise date for a third month anniversary

Neta: taka, I'm right here.

Taka: Neta!!! ...............…Your hair!?! You look......... different.

Neta: yeah..... I actually look like a normal everyday man....... Honestly I kind of like it. I like my tattoos and piercings it makes me feel like me. But sometimes I want to blend in..... No big clunky boots. Tons of rings, jewelry and battle vests. It's nice sometimes I just want to wear khakis..........I think I might keep it short for a while maybe grow it to mid length..............Yoooou liiiiike?......do you like normal Neta..... Come on the button down has to be doing something for you right?......... What about my clean face? If you told me you actually like the soul patch I'd assume you're lying to me.

Taka: uhhhhhhhh............. you look............uh...............very..............plain...... Your hair.......... is...........single toned. Hummmm

Neta: what's wrong taka? I thought you loved me for my extroverted nature, boldness and my outgoing personality. That didn't go away you didn't just fall in "love" with me cuz of my loooooooks. You like me for me not just the aesthetic. I think I might keep this look for a while. Let you get used to it. Why don't you come over tonight maybe watch a movie we can work on your album together. I know I said that I'll only play on one song. Maybe if you pushed the right buttons....... I might give in to anything really........... Anything you want. What do you say?................. Why don't you take suburban Dad Neta for a test drive? Huh? Huh?............(POP)..... That was my knee It's been doing that for a while need to get that checked

Taka:ehhhhh......uhh......hummmm..................no..... Not tonight . Ummm I got to discuss things with the band first yeah I need their input first Oh and I also need to talk to you know my producers and my recording studio everything......... But we can maybe do something later....................in the month when your hair grows out ...ok .........................bye..................ugh........ your loose earlobes.................ok bye.......[Kiss].......... I love you babe.................I really do.......... truly...... It's me not you

Neta:. Okay............ Jackass............... I shouldn't be surprised but am. Am I ugly? Without all my body mods?

Warabi: No, you're still hot for someone in their 30s

Neta: 30s is not that old.... But thank you

Mahi: can I kick his ass?

Neta: No mahi. You can't........but I don't control what you do outside of work.

(Epilogue)

Mahi: hey babe, if I suddenly stop dying my fins and start wearing regular clothes. Would you still like me?. ........... awww I knew you would...... Oh fuck no I'm not going to do it. I'll just asking. Bye

(Second, epilogue because why not?)

Neta: hey babe!

Ikkan: hey. Did you something with your tentacles? You look different.

Neta: do you like it?

Ikkan:ehhh I don't know I don't really have a preference for that. It's whatever you like honey. If that's what you want to look like, it doesn't change how I feel about you?.

Neta: thanks inkky I really need to hear that today.

Ikkan: though I do prefer you put in your gauges, It looks gross without them....

Neta: You're right....

Ikkan: I'm thinking of cutting off my tentacle or growing it out and kind of sick of the side shave.

Neta: not your iconic doo I say you grow it out

Ikkan: I was thinking of getting a buzz cut Maybe a mustache combo.

Neta: oooooo that sounds nice! Whatever you want babe.

Ikkan: I have to go to bed Love you bye

Neta: Love you too

Ikkan: seriously put your piercing back in. You look weird with holes in your face.

Text

Taka : sorry I was so weird back there babe I just wasn't used to the new look. I like it now it suits you. Do you want to go to dinner tomorrow night? ;)

Neta:...................... (Typing)

Neta:.... ................ (Typing)

Neta:.............. (Typing)

Neta: k

Mahi belongs to @fish-at-fish-fish-resort

[fincrif]

Can a Bank Seize Your Assets for Unpaid Personal Loans?

A personal loan is an unsecured loan, meaning it does not require collateral. However, failing to repay the loan on time can have serious consequences, including legal action, asset seizure, and credit damage. Many borrowers worry whether banks can seize their assets if they default on a personal loan.

In this article, we will explore what happens when you fail to repay a personal loan, whether banks can legally seize your assets, and what steps you can take to avoid loan default consequences.

1. Can Banks Seize Your Assets for an Unpaid Personal Loan?

Since personal loans are unsecured, banks cannot directly seize your assets like they can with a secured loan (e.g., home loan or car loan). However, if you continuously default, banks may take legal action to recover their money, which could eventually lead to asset seizure under court orders.

Here’s how it works:

If you miss a few EMIs, the bank will send you reminders via calls, emails, and letters.

If you continue defaulting, the bank may report the default to the credit bureau and initiate a loan recovery process.

If the bank fails to recover the loan amount, they may take legal action under the SARFAESI Act, Debt Recovery Tribunal (DRT), or Civil Court.

If the court rules in the bank’s favor, the lender may get approval to seize your assets to recover the unpaid amount.

Although banks cannot seize assets directly, prolonged defaults may lead to legal enforcement and eventual asset attachment by the court.

2. What Happens When You Default on a Personal Loan?

Failing to repay your personal loan can lead to the following consequences:

2.1. Late Payment Fees and Penalties

Banks charge late payment fees if you miss EMI payments. The penalty amount depends on the lender’s policy and the delay period.

2.2. Negative Impact on Credit Score

When you default on a loan, the lender reports the missed payments to credit bureaus (CIBIL, Experian, etc.). This lowers your credit score, making it difficult to get future loans or credit cards.

2.3. Legal Action by the Bank

If you fail to repay the loan even after multiple reminders, the bank may:

Issue a legal notice demanding payment.

File a civil suit in court or approach the Debt Recovery Tribunal (DRT).

Seek a court order for repayment or asset attachment.

2.4. Asset Seizure via Court Orders

Although banks cannot directly seize assets for an unsecured personal loan, they can:

File a lawsuit and obtain a court ruling for repayment.

If the borrower ignores the court ruling, the court may allow asset attachment or wage garnishment.

3. When Can a Bank Seize Your Assets?

A bank can only seize assets in the following cases:

3.1. If the Loan is Secured with Collateral

If your loan is a secured personal loan (e.g., gold loan, loan against property, or fixed deposit loan), the bank has the legal right to seize the pledged asset if you default.

3.2. If the Bank Gets a Court Order for Asset Attachment

For unsecured personal loans, banks cannot seize assets directly. However, they can:

Take legal action and obtain a court order.

If the borrower fails to comply, the court may allow asset attachment to recover dues.

3.3. If a Guarantor is Involved

If someone co-signed your loan as a guarantor, the bank can demand repayment from the guarantor and take legal action if they also fail to pay.

4. How to Avoid Loan Default and Asset Seizure?

If you are struggling to repay your loan, here are some steps you can take to prevent legal action and asset seizure:

4.1. Contact the Bank Immediately

If you are unable to pay your EMIs, inform your bank as soon as possible. Many banks offer:

Loan restructuring (adjusting EMI amounts)

Temporary EMI moratoriums

Flexible repayment plans

4.2. Request a Loan Settlement

If you are in serious financial distress, you can request a one-time settlement where the bank agrees to reduce the outstanding amount in exchange for a lump sum payment. However, this may negatively impact your credit score.

4.3. Refinance or Balance Transfer Your Loan

If you find it difficult to repay your current loan, consider:

Refinancing with another lender offering lower interest rates.

Transferring your balance to a lender with better repayment options.

🔗 Check Balance Transfer Options:

IDFC First Bank Personal Loan

Axis Bank Personal Loan

4.4. Avoid Taking Multiple Loans

Taking multiple loans at once can increase your financial burden, making it harder to manage EMIs. Always borrow within your repayment capacity.

4.5. Consider Debt Consolidation

If you have multiple loans, you can consolidate them into one lower-interest loan. This helps in managing EMIs efficiently.

🔗 Explore Personal Loan Consolidation Options:

Bajaj Finserv Personal Loan

Tata Capital Personal Loan

5. Legal Rights of Borrowers in Case of Loan Default

If you default on a loan, you still have legal rights under consumer protection laws:

5.1. Banks Cannot Harass Borrowers

The RBI guidelines prohibit banks from using abusive or threatening language for loan recovery.

Borrowers can file a complaint with RBI if they face harassment from recovery agents.

5.2. Right to Fair Loan Recovery Process

The bank must notify you in advance before taking legal action.

If you receive a legal notice, you have the right to seek legal assistance before responding.

5.3. Right to Settle Loans Amicably

Borrowers can negotiate with the bank for loan restructuring or settlement options before legal action is taken.

How to Protect Yourself from Loan Default Risks

While personal loans are unsecured, defaulting on payments can lead to serious consequences such as credit damage, legal action, and potential asset seizure through court orders. To avoid this:

✅ Always borrow within your repayment capacity. ✅ Stay updated on your loan terms and repayment schedule. ✅ Contact your bank if you face financial difficulties. ✅ Consider balance transfers or loan restructuring if needed. ✅ Understand your legal rights against unfair loan recovery practices.

🔗 Looking for a Personal Loan? Check the Best Options Here:

Explore Personal Loans

By staying financially responsible and proactive, you can avoid loan defaults and protect your assets from legal risks.

[juice-boxy]

PLEASE donate more eggs and milk to food banks sincerely an egg and milk enjoyer

[dubacheryking]

this is literally insane how are there NO FUCKING WELLS FARGO BANKS ANYWHERE NEAR ME?????? the closest ones are 3 FUCKING HOURS AWAY!! IN EITHER DIRECTION!!! HOW???

[alomaniya]

Top Non-Banking Financial Companies Offering Startup Loans for New Businesses

In the ever-evolving world of business, startups are becoming increasingly prevalent as aspiring entrepreneurs strive to bring their innovative ideas to life. However, one of the biggest challenges faced by new businesses is securing the necessary funding to get off the ground. This is where non-banking financial companies (NBFCs) play a crucial role in providing startup loans to support these budding ventures.

Unlike traditional banks, NBFCs are financial institutions that offer a wide range of financial services, including loans, to individuals and businesses but do not hold a banking license. This gives them the flexibility to cater to the specific needs of startups and offer more personalized loan products that may not be available through traditional banking channels.

When it comes to securing startup loan for new business, NBFCs are an attractive option for entrepreneurs looking for quick and hassle-free financing. These companies understand the unique challenges faced by startups and tailor their loan products to meet their specific requirements, providing a much-needed lifeline for budding entrepreneurs.

Here are some of the top non-banking financial companies that are leading the way in offering startup loans for new businesses:

LendingClub: LendingClub is a peer-to-peer lending platform that connects investors with borrowers, including startups looking for funding. The company offers unsecured personal loans for business purposes, making it an attractive option for entrepreneurs who may not have a strong credit history or collateral to secure a traditional bank loan.

Prosper: Prosper is another peer-to-peer lending platform that provides personal loans for new businesses.850Starting a new business can be an exciting but challenging venture. One of the biggest challenges entrepreneurs often face is securing the necessary funds to get their business off the ground. Traditional banks may not always be the best option for new businesses, as they often require extensive documentation and have strict lending criteria. This is where non-banking financial companies (NBFCs) come in.

NBFCs are financial institutions that provide banking services without meeting the legal definition of a bank. They offer a variety of financial products and services, including startup loans for new businesses. These companies are often more flexible and quicker in their lending process compared to traditional banks.

If you are a new business owner looking for a startup loan, here are some top NBFCs that offer personalized loan options for new businesses:

LendingClub: LendingClub is a peer-to-peer lending company that offers personal loans for new businesses. They have a simple online application process and quick approval times, making it easy for new entrepreneurs to access the funds they need. LendingClub also offers competitive interest rates and flexible repayment terms, making it a popular choice for many startups.

Prosper: Prosper is another peer-to-peer lending platform that offers personal loan companies for new businesses. They have a straightforward application process and offer loans ranging from $2,000 to $40,000. Prosper also has competitive interest rates and allows borrowers to choose their repayment terms, making it a convenient option for new entrepreneurs.

OnDeck: OnDeck is a leading online lender that specializes in providing loans to small businesses. They offer short-term loans and lines of credit to new businesses, with loan amounts ranging from $5,000 to $250,000. OnDeck has a simple application process and quick funding times, making it a popular choice for startups in need of fast cash.

Kabbage: Kabbage is an online lending platform that offers lines of credit to new businesses. They provide lines of credit up to $250,000 with flexible repayment terms and no hidden fees. Kabbage also has a quick and easy online application process, making it a convenient option for new entrepreneurs.

Funding Circle: Funding Circle is a peer-to-peer lending platform that offers term loans to new businesses. They provide loans up to $500,000 with competitive interest rates and flexible repayment terms. Funding Circle is known for its quick approval times and excellent customer service, making it a top choice for many startups.

When looking for a startup loan for your new business, it is essential to consider your specific financial needs and choose a lender that offers personalized loan options. Non-banking financial companies like LendingClub, Prosper, OnDeck, Kabbage, and Funding Circle are excellent choices for new entrepreneurs looking for fast and flexible funding options. With their easy application processes and competitive interest rates, these NBFCs can help you get your business off the ground and on the path to success.

[investingdrone]

Understanding New Loan Disclaimers In The United States 2024

Have you ever dreamed of a new car, a comfortable home renovation, or finally tackling a mountain of student loans? Borrowing money can be a great way to achieve your goals, but it’s important to understand what you’re really getting into. That’s where loan disclaimers come in – they’re like a little map hidden in a treasure chest, guiding you to understand the true cost and terms of your…

[skfinanceblog]

Top Non-banking Finance Companies in India.

https://www.skfin.in/about/founder-desk

[elaneducationloans]

Compare overseas education loans from public banks and private banks, including Bank of Baroda's abroad education loan interest rate, non-collateral options, and government bank education loans for studying abroad.

[atulksposts]

In the fast-paced corporate world, MSMEs often face cash needs, leading them to seek loans from friends, family, or banks, which can be time-consuming and document-heavy. Non-Banking Financial Companies (NBFCs) offer quick solutions like Instant Business Loans. Investkraft, a reputable NBFC, provides loans up to Rs. 5 lakhs with minimal documentation, catering to various business needs like hiring staff, purchasing equipment, or managing inventory. Their unsecured loans are accessible online, ensuring faster approval and disbursement. Investkraft's process requires basic documents like business registration, identity proof, and financial statements, making it hassle-free for MSMEs. Instant Business Loans empower small businesses, promoting growth and addressing urgent financial demands effectively.

[csl-finance1]

What are Non banking Finance companies

Non-banking finance companies (NBFCs) are like banks, but a bit different. They don't take deposits from people like banks do, but they still help with money-related things. Instead of savings, they offer services such as loans, investments, and helping manage money. NBFCs are flexible and can help more people who might find it hard to get help from regular banks. They give out different types of loans, like for buying a car or for personal loan, business loan needs. NBFCs are important because they fill in the gaps where regular banks may not reach, making it easier for a diverse group of people and businesses to get the financial help they need. CSL Finance Limited provides tailored loan solutions against property with competitive interest rates and flexible repayment options. Apply now !

[gutsby]

Wants and Needs

Pairing: Sugar Daddy!Joel x Reader

Summary: Bills are high; your dad’s boss wants to help. How you pay him stays between you and him—for now.

Warnings: 18+. Protected piv. Explicit power imbalance in an exchange of sex for money, so dubcon, technically. Soft dom!Joel. Sex toys. Squirting. Oral (f!receiving). Overstimulation. Daddy kink. Age gap. Praise kink.

Note: Bohanan’s is a steakhouse in San Antonio, TX.

Word count: 8.4k

You wanted a car. Joel needed to cum.

It wasn’t the arrangement a girl your age should’ve made, but what could you do? Your dad drank half of your college funds away, and your mom was long gone.

The next best thing was Mr. Miller, your father’s boss. He’d understood better than anyone what money could buy. What it might do. For him, it was pleasure. For you, it was a future—or what little remained after bills and loans and exorbitantly-priced car repairs bled you dry.

You took the job at the firm on a whim. You didn’t want to be a lawyer anymore, though your dad and Joel were. You didn’t want to be done with law school, though 3L had already long since ended, and that dreaded so-called ‘minimum competency’ test was drawing close on the horizon. In short, you couldn’t afford to pay for bar prep.

With Joel, you could.

It was true that tax law paid pretty well, but a part-time job would never really be enough when your family was treading water at all times. Your dad liked to gamble and drink, and your brothers got all of their brains from him.

You got the short end of the stick, plus the receiving end of another. Lucky for you, Joel’s felt pretty good going in.

Today you were somewhere south of Austin. Your truck wouldn’t start last week, so you’d agreed to come along on this business trip knowing full well what you planned on asking your boss as soon as you had a moment alone.

“CDP hearing at…9:45.” You checked the itinerary twice.

“Alright.” Joel nodded.

“Lunch with Javier, Ezra, and Dave at twelve.”

“Mhmm.”

“Phone call with Revenue Officer Acacius at 3:30.”

“For the…?”

“Martells.”

“Okay.”

“I finished Lucien Flores’ Form 433-F for your review and left notes—” You stopped to tap your finger on a short white pile of papers between you and Joel on the desk, “—in the margins. Still need bank statements from him.”

“Lovely.”

Joel eyed the stack at first, but his gaze strayed a little.

“You should probably plan to talk strategy with my dad before Mayor Garcia’s audit tomorrow, too. Looks like a couple non-cash contributions are being disputed now.”

For a second, your eyes flitted up to him, too. It was brief.

“Sure. When’s your daddy free?” he said.

You blinked, then scanned the schedule.

“Looks like five…or six, maybe. He’s got a consult with—”

“I wasn’t talking about your father.”

You looked back up. Joel was smirking, of course. His hand had drifted a comfortable, innocent distance past the papers and across the table, to you. The pair of you happened to be in one of the glass-paneled conference rooms nearest the hotel lobby, so he had to be discreet.

He never let his fingers stray too long on yours in public. Presently, his thumb grazed your knuckles extra slow.

Posing a question, maybe.

You didn’t have the time to be tactful now, unfortunately.

“I need $2,700.”

Joel, your boss, your daddy, whatever, had to pause at that. He didn’t move his hand immediately, but he did stare harder. Longer. He searched your face for the joke.

“$2,700?” he repeated.

“Yes sir,” you answered out of habit, wincing only a little, “My truck stopped running last week, and it’s just…a lot.”

The cost. For Joel, it wasn’t even a drop in the bucket, but in your world, it was a make-or-break, fuck-your-whole-budget-for-the-next-six-months kind of bad. Suddenly, your cheeks felt warmer than they did before, and you forced yourself to look away. Peering out across the wide and gently rolling terrain of San Antonio and trying to pretend there was something thrilling to see. You’d almost forgotten how much you hated asking this.

“I can make the deposit tonight—” Joel started.

“No,” you interrupted. You wanted to turn but couldn’t. You just shook your head and kept staring out there, “Not now, I mean…I need to earn it over time, I just…”

You stumbled over the words. It was like your lips, your tongue, and your teeth were all suffering from the same sort of embarrassment pervading the brain, and you couldn’t bring your mouth to form the sentences right.

I’m not asking for a handout. I need to earn the money.

However ‘earning’ may have been grossly misconstrued in the context, it was a labor all the same. You didn’t love it, but you didn’t hate him, either. Joel was nice, albeit old enough to be your father, and it didn’t seem that he was nearly as predatory or perverse as he could’ve been. You’d been working for him for two months now, and the idea had been your own when the cash had gotten tight.

Back in April, you’d explained to him, calmly, that you couldn’t take the bar exam unless you got some extra money quick. That you wouldn’t accept his charity, but you’d pay him back in other ways. Joel had been against it at first—you were the daughter of his best friend, after all—but eventually, his carnal needs won out over his sense, as every other man would’ve done, you guessed.

At first, you’d started slow, but that hadn’t lasted very long. You fucked him regularly now, though never had you asked for an amount of cash this big out of nowhere.

Joel blinked and put a hand on his hip, like he always did when he wasn’t sure what to say. The silver in his soft, dark locks shone more in this light. He’d lost the smirk.

“You’ve done…plenty.” Now sounding sheepish.

You tried to protest again; Joel stopped you.

“I mean it. Hey, look at me,” he said next.

You did, hesitatingly. You turned from the window, and out of instinct, folded your arms over your chest. Joel paced closer to you and then he was watching. Pausing.

Brushing your arm with his and glancing once over your shoulder to make sure no one else was around to see.

He leaned in and pressed a quick kiss to your temple.

When he pulled away, your skin was practically ablaze.

“Mr. Miller—”

“Joel,” he corrected, quiet, “And you’ve done enough. Let me cover the car just this once, okay? Sweetheart?”

You didn’t realize you were pivoting again. That your gut was doing somersaults and your heart was ready to climb up and out of your throat. Your neck was burning.

It wasn’t even anger you sensed was simmering under the skin until you turned back to him, and your eyes flashed with ire before the words were even spoken.

“I don’t need your pity, Mr. Miller. I said I want to pay.”

“It’s Joel. And I said you’ve done enough, so—”

Ire morphed to something more in a blink.

You didn’t mean to say it, but you did.

“Fine,” you huffed, suddenly exasperated, “If you’re so fucking opposed to me paying my way for this one simple thing, I’ll get another guy. Forget I asked.”

It was a low blow, for sure. Joel knew how badly you’d wanted this to stay between just you and him—and he would never dream of seeing you ‘earning your keep’ with anyone else. His expression said as much as soon as he’d heard your words; his whole face hardened at once.

But then you’d turned to leave. You didn’t care what he wanted to tell you, and if you did, you certainly weren’t brave enough to stick around to hear Joel say it then.

So you left. He had a full, busy day ahead of him anyway.

You woke up wet.

In an effort to avoid your boss, you’d run errands all day. Buried your nose in a sea of Civil Procedure notes as soon as you got a second alone, almost vomited seeing the Erie Doctrine, and went back to your hotel room to try and study there. Once you had, you napped instead.

Now your clothes stuck to your skin; the sheets around you were soaked. You peered over the big white duvet holding your body interred and saw smoke overhead.

Or steam.

Yes, definitely steam. It was drifting from the bathroom, where the door was thrown open. You shifted up to sit.

“Tess!” you yelled, “Shut the goddamn door, I’m boiling.”

As a law clerk, you weren’t afforded the luxury of a suite to yourself, so you shared it with the other new grads on work trips like these. Tess Servopoulos loved long, hot showers and never closed the fucking door. You groaned.

And, feeling depleted of all energy from your studies and the stress and the steam searing every inch of your skin, you flopped back in the bed. You kicked the covers off your legs. You’d just lifted a hand to wipe the sweat from your forehead, when an awful, fresh realization dawned.

You glanced at the clock—3:37.

“Fucking hell,” you hissed.

You were supposed to meet your dad at two to get some paperwork signed. You needed to have that filed with the court by four. He was probably engaged somewhere else by now, whether it be a client, a conference, or a couple white lines in the bathroom of a partners-only club downtown, and you wouldn’t have a hope of reaching him here. You rubbed your face and groaned again.

You’d set an alarm for 1:30—you knew you had.

Where the hell was your phone? Why was it so warm? What if he’d called? Aw fuck, he’s probably blown that thing up to hell and back by now. Maybe he was drunk. He had to be. Where was Tess? Where were your pants?

You’d made it up to your feet, clumsily, and faced a full-length mirror. Your bottoms were gone. You closed your eyes and screamed inside, remembering why they were.

“Glad you’re getting some use out of this.”

The second you heard it, your lids flew open. You turned.

And, standing in the warm yellow glow of the bathroom light—holding the culprit, your vibrator, like a prize—was Joel. Naked as the day he was born, save for one thin towel around his hips, and grinning. Moisture glistened on his chest and pooled about his feet, and his hair was smooth, tamed, and combed back neatly from his face.

He waved your silicone toy in the air, and immediately, you regretted giving him your room key the other day.

“I thought we agreed you’d wait for me—”

“What the hell are you doing here?”

Your voice was thick with sleep. Joel’s own was slow, dulcet, and kind as it always was, even when teasing. When you grit your teeth, he just set the toy aside.

“I’m sorry. Bad timing. I saw your—”

“No.” You threw up both hands at once, suddenly out of breath and fucks to give, “You know what? I don’t care. You need to go. I have to be down at the courthouse—”

In twenty minutes. You cut yourself short and hurried off to find shoes. You could wear other pants. Ask another attorney to sign the forms if you couldn’t reach your dad. Forget that his boss and yours had just caught you with the vibrator he’d bought you last month and try not to feel too humiliated knowing he knew what you’d been doing. It didn’t matter—Joel didn’t matter. You slid on a mismatched pair of slacks and set off toward the door.

Then you had to stop. Joel beat you there, quick as ever.

“Listen. Hey.”

“Will you stop?!”

You pushed at his big and wet, stupidly broad chest. You felt the small grey hairs on his pecs tickle your palms, and for a second, you thought you heard a chuckle.

“You’re gonna make me late—”

“Hey, hey,” Joel said again. Of course it sounded fatherly, “I already signed the POA for Morales, hon, you’re good.”

You’re good.

“You what?” You stared at him in disbelief. How did he even know you needed Frankie’s power of attorney signed in the first place? You figured your dad would’ve mentioned it, but still, it wasn’t really Joel’s form to sign.

“The case is mine now,” he clarified, reading that look, “Wasn’t my first pick, but it is what it is. And your dad—”

Your dad was probably lagging wildly behind on his own caseload, so he’d pushed one off on his friend. Again.

“You can’t keep picking up his slack,” you gritted out, “One of these days it’s gonna bite you both in the ass. You know he shouldn’t be forcing these jobs on you.”

“I offered.”

“You caved.”

“He’s my best friend, what do you expect me to do?”

“Not let him use you! He’s making you feel bad for him.”

“And what if I did? What if I did pity the bastard?”

You scoffed. Then winced, inwardly.

I don’t need your pity, Mr. Miller.

From the look on Joel’s face, he seemed to be remembering the same. He shook his head.

“That’s not…” he trailed off. He rubbed his jaw with his hand and started to move from the door, deflating some.

His other arm extended to you, wordlessly, and already anticipated what was sure to follow. You swatted him off, then walked to the bed. You considered sitting but didn’t. Instead, you crossed your arms like you always did and turned away, facing the window with a cool, flat affect.

By now, Joel knew better than to take that for what it seemed. He crossed the room to you, treading softly.

His voice turned gentle again, like an apology: “Honey…”

But your gaze was already fixed outside. You frowned.

“Darlin’,” Joel continued, undeterred, “Come on.”

And you didn’t need to see his face to hear the rest: ‘Look at me, please,’ with eyes all comfort and warmth.

“Don’t you have a phone call with an R.O. or something?” Briefly, you recalled Acacius and a stream of other items from the checklist you’d covered that morning, and you had to stop yourself then from straying too far. You blinked once, just as Joel was approaching from behind.

“I cancelled,” he said.

You sighed, “Mr. Miller…”

You knew he hated doing that.

“Joel,” he pressed. Adding, “Something came up.”

You wouldn’t even ask. You shouldn’t care. You felt him standing there, fanning hot breaths across the nape of your neck, and you really couldn’t have taken that worse. You visibly tensed, hands balling into fists at your sides, and—hell, he wouldn’t quit moving now, would he?—Joel bent down. He hesitated, as if gauging your reaction in time, then descended further. He kissed your shoulder.

You cracked; it never took much from him.

For all your inane, ancillary plays at feigning indifference, one movement of Joel’s mouth and your resolve was lost. You clung to words, weakly, but all the rest fell away.

“We don’t…want your charity. Me or my dad. Alright?”

“I know.”

Joel kissed your skin again, then pulled at the strap of your blouse. It fell limply away, and his lips reattached.

Exactly when he’d walked you back to the bed, you couldn’t be sure. By the third or fourth kiss, your stomach was tight, knees weak, and your eyes drawing closed; it didn’t matter to you or to him what had passed before. Your bodies found the bed and blended together.

Tangling, in a way. Tearing blindly at clothes and not saying too much apart from Joel’s soft, sweet words:

“That’s it.”

“I know.”

“Good girl.”

Good girl when he kissed you. Good girl when he stripped you bare. Good girl when his hands roamed the broad, naked expanse of your body and let your own do the same to him. Good girl when your fingers hooked the outline of the towel and tugged it away, your vision filled with a sight you’d come to like more and more each day.

“That’s my girl,” Joel murmured. He cradled your head while you gripped his base, “‘S’yours, baby. All yours.”

Yours. Mine. You weren’t sure you had the sense or self-possession to even know what that meant, especially here. Joel wasn’t a boyfriend. He wasn’t a lover, at least not in the traditional sense. He wore dark wool suits like your father and worked from dawn until dusk every day, practicing law for longer than you’d been alive. Still, the smile above you was sweet. It coaxed you gently as you slid your hand up and down his length, like he sensed this was more like a lesson for you. Learning experience.

“Remember, spit a little first,” he instructed. Then, to demonstrate this point, he brought his fingers to his mouth and wet them quickly. He slipped his touch down to yours and met your gaze while he joined you there.

He rubbed and slicked himself up and he did it with ease. You followed his lead and watched his face contort—crow’s feet pinching even tighter at the sides of his eyes as pleasure began to pool in his gut. He looked pretty. You’d never thought to tell him this, but Joel really had an unparalleled face. It was an old and beautiful thing. For this reason, you couldn’t bring yourself to tear your gaze away, maybe to wet your own fingers. Instead, you slipped your hand between your legs, where his hips had come to rest. You worked a slow, light touch against your folds; you were drenched, and it didn’t take long for your fingers to be, too. You moved them back to Joel’s cock.

“Like this?” you ventured.

The man answered with a grunt, at first. Then a grin.

“Yeah. Yeah,” Joel nodded, quiet but emphatic. Trying not to smile too big as he let your touch take over for his, “Just like that, sweet pea. Get it nice an’ wet for daddy.”

You wanted to whimper at that. Something must’ve flashed in your eyes at the intonation of the last word, and the look must’ve suffused your whole expression, because the next thing you knew, Joel was lowering his body to yours. Petting your hair, letting you rub on his shaft as fast as your soft, lithe hands could manage.

“Feel that, baby? Feel how much daddy missed you?”

You did.

Your brow pinched, and you wanted more of that. More from him: those tender, edifying words of praise being mumbled your way while your touch worked him over. Maybe you could’ve helped it, but then again, in this state, maybe you couldn’t—you whimpered for him.

Wriggling your hips against the bed to get your warmth pressed flush with his own, and squeezing him tighter:

“In me, daddy. Please.”

You angled his cock in your trembling grip to plead as much. You knew he liked being the one to push in the first time, so you didn’t move too far with that push, but you begged him with your gaze. You felt him tense a bit.

And just when you sensed he might let you have your way, he moved off. Down. Sliding his torso away from your own, to go lower on the bed, and smirking again.

“I think she needs my tongue first, doesn’t she?”

You wanted to nod. Instead, you flinched. You crawled away from his hold before it could secure itself firmly on either one of your legs, and you had to snag your bottom lip between your teeth to contain that blossoming need. It almost spilled from your mouth in a moan before Joel’s could reach your lower half. Then you scrambled to sit up

“No,” you choked out.

This wasn’t new. While you shook your head, Joel lifted a brow and stood from the bed. He reached behind him.

The night stand.

You closed your eyes.

“This isn’t…supposed to be for me.” you sighed.

In a second, Joel was back where he started, and you didn’t have to steal a glance through your lids to know what he was holding. Slotting himself gently into place.

“Don’t,” he started, sharp, “—say that. I mean it.”

You knew he meant it, but you also knew better than to accept at face value what he said, moving down on you.

This wasn’t part of the deal. Joel’s money was meant to serve his pleasure, not yours. Letting him take you any other way seemed to blur the lines between transaction and affection, and though you’d done this before, it still didn’t feel right. You couldn’t bear having his focus here.

Evidently, though, he could. He’d snatched your vibrator from the night table and lowered his torso to your legs, lips twitching the tiniest bit. ‘Open up. Let me see her.’

Joel was on his stomach, eyes glowing with intrigue.

“Let me see how much she’s missed me, baby.”

The grey matter in your brain might’ve trickled through your ears—the whole thing went to mush at his words. You pushed at his hands, then the top of his head, but clearly, your will was weak. You wanted this. Needed it.

“That’s a good girl. Let daddy have it,” Joel drawled.

You wanted to cry. Or maybe hide. His index and middle fingers prodded at your folds, pulling them apart, and for a moment, you could’ve sworn you’d stopped breathing. Joel kissed the slope of your mound with a quiet kind of reverence. The salt-and-pepper stubble on his chin brushed your clit, and your back arched reflexively. Then, remembering why you’d come to this arrangement in the first place, you felt a wave of guilt supplant that pleasure.

You clawed at his head and shook your own, weakly.

“No. W-wanna make you feel good,” you choked out.

Not me.

Not here.

Just let it—

“Fuck,” you keened through your teeth. Joel’s lips made contact with your slick, drooling cunt and, in a second, sucked your nub in between them. He flicked his tongue.

Joel groaned, then pulled away to meet your gaze.

“Feels plenty good f’me,” he assured you in a murmur. Eyes glossy, “She’s so fuckin’ sweet, honey. So pretty.”

Then, as if to punctuate his point, he slid his tongue down the whole wet mess of your slit, and he moaned. He curled the muscle and invaded your sticky, sensitive, precious warm flesh with vigor and force—maybe a little desperation—and you whined at the feeling. Your toes curled tight. It was doubtlessly a sight to see: Joel’s old and weathered head against your young and supple skin, the wiry greys of his chin rubbing your cunt like no man’s his age should’ve been. He took you gently. Forked his fingers over your folds to hold you open for him and then, over and over and over again, just licking stripes. Squelching noises only seemed to goad him on while he buried his nose and savored your taste without reserve. Your stomach clenched with that pleasure, then swelled.

“That’s my girl—so good for me,” Joel said, as though reminding you, gently, it was okay to relish the feeling.

Once more, he suckled your clit in his mouth, rubbing the tip of his tongue in a quick back-and-forth motion, and the next sensation hit without a breath of warning.

Your belly twisted again, then flushed with hot pleasure.

“My— fuck,” you cried, shuddering with a climax you didn’t know was coming. You held his head and whined.

Joel’s tongue didn’t stop. Your vision blurred. Whatever reprieve you might’ve hoped to find came in the form of his lips drawing back, momentarily, only to sponge little kisses on your still-pulsing heat. Your body jolted back.

“I c— I’m done. I’m done,” you blurted out.

Joel nodded against you. Humming through his kisses:

“I know. Keep going.”

Keep going.

So simple.

Still, you couldn’t breathe. Your sight was inundated with stars. You felt Joel’s stubble on your slit again, only this time, the pleasure was tripled. Your legs trembled, and your hands made fists in his hair. Joel kept on kissing.

And kissed again, again, and again, until your fingers in his locks pulled taut to the roots and your hips were bucking up in his face: ‘Too much, t—oh fuckfuckfuck.’

Then came a buzz. Skirting your legs in a blink, before diving to meet Joel’s mouth on your clit. You shrieked.

“I know, I know,” Joel joined, as though soothing a wound while he maneuvered the vibrator. Lifting his head and then kissing your thigh, “I know. You’re alright.”

You wanted to sob; you felt ready to burst. You trusted Joel’s judgment but had never been subjected to this sort of pleasure. What if it was more than you could take?

“I’m here.”

Joel’s words were slow to crawl off his tongue, but their intent was clear. You writhed once more, and he was kissing your skin, rubbing your thighs, and taking the toy to your clit with a warm, devoted touch. He wasn’t cruel.

He had a glint in his gaze when you met it, like he knew you wouldn’t accept this feeling alone—but he wanted you to. He wanted the indulgence to be your own and an end in itself. There was care in his touch, tender praise with every caress, and you guessed this was intentional. Joel needed you to know this was more than only his.

You felt more naked than you’d ever been: soaking the sheets with your last release, fresh arousal trickling out, Joel’s spit mixing with your nectar and sweat and pressing you down in the bed. And nudging you, gently.

“‘S’okay, baby. You’re alright. That feels nice, doesn’t i—”

“Kiss me.”

It came out faster than you could even try and stop it. You weren’t sure why you said it. The words were acerbic on your tongue—you hated ever sounding needy—but then your mind and your mouth and your worries were all silenced at once when Joel came clambering up for you.

His lips were wet and grinning as he kissed you. He held the vibrator hostage between your legs while his body pressed tight against yours. His movements slowed.

Then, as if he’d crawled in your head and read your mind:

“It’s okay to need me, baby. It’s okay to want this.”

His hips made that assurance even clearer. Joel reached down and took the vibrator again, increasing the friction between your groin and his while he pressed the buzzing toy to your clit. You whined into his mouth at the feeling.

Your eyes rolled back, and the pleasure soared. This morning, you might’ve bristled at the words he’d just spoken, but here, in this bed, it felt okay. It felt safe.

Joel felt safe, for once, and you weren’t sure how to keep that idea from sticking—how to reconcile the notion of swapping sex for cash with a man for months on end, and then this. Your stomach churned. He held your face and kissed you more, and your clit throbbed and ached. Before you could ponder your thoughts a second longer, a white-hot pleasure washed over, and you came again.

“Good girl,” Joel cooed.

Throbbing even more this time.

“That’s a sweet girl. That’s my baby.”

All but aching with desire. Feeling it double.

“Cum for daddy, that’s it. Keep going.”

Feeling it trickle down your legs.

“She’s feelin’ real good, huh?”

You could barely breathe.

You whined. Felt something splinter between your thighs and then more of it, more of you and that slick, oozing pleasure and Joel’s groans, overjoyed—‘Making a fucking mess’a daddy, isn’t she? She feel that good?’—and by ‘that good’ you guessed it was more than normal.

This was more warmth than usual. Somewhere in the midst of your own mind-numbing pleasure, you’d let out a spurt, sticky and wet. It now coated the hairs on Joel’s tummy, and while his skin shone, his eyes were brighter. He flitted a look to you, gaze flaring, and slid down. Low.

Back to where he was before. Moving the buzzing pink bullet aside and letting his mouth assume its place.

Of course, you yelped.

“Joel!”

You winced, both from saying his name and feeling so raw. Joel grinned at the sound and suckled your clit.

It was drenched. You and Joel, too, were doused all over and practically gleaming under the rays of late afternoon sun then pouring through the window. For a second, you cast a look outside like you had before, but it was only to brace your body for the bliss at hand. You stared and felt a crude, carnal shockwave seize you head to toe. It traveled fast and made you release, again, or else just continue the same flow as before—and this time, into Joel’s waiting mouth. He lapped at you feverishly now.

He squeezed your legs and licked you dry. He worked in merciless circles, like his life might have depended on making you stay at this peak. All the while, you were tearing at his hair. Riding his face as your body fell apart.

That was alright. This pleasure was yours for now, but there was still time yet to make it worth his while, you reasoned in a half-intoxicated state. Your legs vibrated as you started to crawl—limp—back up in the bed and, numb with elation and a desperate need to please, you stretched your arm toward the night stand. You huffed.

You reached blindly but got it. The box. Weak fingers found the first plastic strip and tore yourself a square. Then, lifting it to Joel, you ignored the last stabs of pleasure between your legs. This was fun, but still his.

“Go on,” you told him, breathless, “Fuck me.”

Joel quirked a brow. He took the condom, still panting himself. He brought the latex to his tip out of habit, then:

“Yeah? Are you sure?”

“Uh-huh.”

Your head was swimming. Somewhere entrenched in the furthest recesses of your brain you could feel it, that dizzying, self-centered pleasure. You pushed it back.

You suffocated it, and you spread your legs wide for him. You let him lay you down and tug the rubber over his cock, then nudge at your hips to situate himself in just the right way. How he liked it. He seemed to be content, and your heart swelled. In this airy, buoyant state, you felt more at ease to speak, sure that he’d understand.

“This should cover some of it, right?” you panted out.

Joel slowed.

“What?”

You sucked your bottom lip between your teeth, eager to keep going. But you steeled yourself, just barely, then.

“Sex. Now,” you said, “It’ll cover some of my car repairs.”

Instead of nodding like you’d expected, Joel only blinked. Then you opened your mouth to speak again, and his body stopped you cold. He planted a hand beside your head on the pillow and raised his hips; you felt his heat leave with it. You reached for his backside immediately, to try and pull him back into that pre-missionary position he’d held, when Joel brushed you off. His face was hard.

“Money?” he quipped.

“Yeah,” you started, then remembered how you talked outside of the bedroom, when he seemed more serious, “We’ll go again. All week. You can even put it in my—”

Joel balked, like you’d just slapped him across the face.

“No,” he said, sharp.

“No,” he repeated, more to himself this second time. Almost as though he couldn’t believe what you were suggesting—and making him guilty by association.

Joel clenched your pillow like a vice and shook his head.

“You’re not getting paid for this,” he finished, and when your gaze penetrated his, confused, he squeezed harder.

“Thought you wanted it.” Joel added, almost shamefully.

“I do! I do…I just—” you sputtered.

“What? Think you need to offer up a week and a half of fucking to make it worth my time? Is that what this is?”

Well, in a way, maybe.

You weren’t sure what to say. Former dizzying bliss was dwindling fast, and now you were facing him cold. Sober.

Increasingly irritated, again.

“I just need money, Mr. Miller—”

“It’s Joel, hon,” he bit back, for the fourth time that day. His eyes flared with something more, maybe annoyance, but then he was tempering it just as fast. He ran a hand through his damp grey hair and shook his head, pausing, “It’s Joel. I know you need the money, baby, but it’s—”

“It’s what we agreed,” you protested, “What I need—”

“Well it’s not what I want!” Joel barked.

Anger surged again, and this time, evidently, the feeling was harder to keep at bay. He was scarcely able to rein in his features, settling on a grave little scowl instead of a frown, and he sucked in shorter, shallower breaths through his nose. You felt him let your pillow go.

“Forget it—the cash.” Joel grit his teeth even tighter, “Forget these payments and the goddamn allowance I’ve had you on. I can’t do that anymore. It’s not right.”

Your heart sank.

You didn’t know what to say.

Luckily, Joel’s voice resumed on its own.

“Whatever you want, whatever you need, sweetheart…”

He stopped. Silence followed, then stretched on for one full, terrible minute. In that interim, you could see his chest rise and fall fast. He was trying to slow it down.

“Whatever you need paid off, I’ll do it. Anything. You don’t have to touch me again. It was wrong of me to allow that in the first place,” he rejoined, tone cooling.

Sounding guilty, too.

Above you, Joel didn’t seem keen on holding your gaze, so he fixed his stare someplace on the headboard instead. Then he moved off your body, slowly.

In spite of the distance he attempted to give, he was still crowding your space. Looming large and bare and weary as you’d ever seen him, knees shuffling back awkwardly through a mass of cotton sheets while his eyes shifted low. Away. The rest of him filled your lungs with a heady cologne scent and your stomach with a thousand tiny blades—you were hurt that he wasn’t sticking to his end of the bargain. You were mad that he was trying to claim the moral high ground now, after everything you’d done.

Mostly, though, you were just upset that you felt like you were losing someone close. That Joel Miller was more of a confidant, friend, and father figure than your own dad had ever been, and that got all fucked up over money. Your lips pursed, and something stung behind your eyes when you reached for him again. Your throat stung, too.

“The reason I agreed to do this,” Joel went on, and the ache in your head worsened when he winced from your touch, “was ‘cause I didn’t want you getting ‘help’ from anyone else. I was selfish. And that’s not an excuse…”

He started to move off, hand dropping from yours.

“…but it’s the truth. I’m sorry.”

At length, Joel found your gaze, and the eyes said it all over again: I’m sorry. You might’ve believed them, too.

But you were you, and you couldn’t help but press:

“Why?”

Your voice was small. Joel was trying to stand from the bed, but you grabbed at his hand again and made him meet your eyes. Confusion was painted across his own.

Kneeling in front of him, curious, you tried to clarify.

“Why’d it have to be you?”

Judging from Joel’s expression as soon as you did, you got the sense that this question made him feel dumb. He frowned, but he held your stare and answered anyway.

“Because I wanted you first,” he replied, “Before all this.”

Your stomach twisted. He did?

You didn’t need to ask twice to know what that meant. What he’d said, in words and with a look, was enough. Still, it was always in you to know more, to be sure, so you crept a little closer. You let your hands roam up and—

“No,” Joel said, as soon as your fingers reached his side.

You’d just wanted to feel him, maybe prod him further on what he’d just said through acts that didn’t require verbal articulation, but he refused. He backed up in bed.

“This isn’t about—” he started, low.

“Sex. I know,” you answered for him. Then your touch grazed his thigh, and you were dying to have more. To be told in a way you both knew and understood. To touch, “You want me to believe you really…liked me before?”

“More than you know.”

There was that blunt, open pragmatism in the Joel you’d always known. Perhaps guided by natural inclinations, or else your hand on his leg, drawing higher. Moving closer.

Showing skepticism through your eyes and the hint of a playful, disbelieving smile starting to curl at your lips.

“When you met me?” you teased.

You’d known of Joel for years, and had met him a couple times as a teenager at various firm holiday functions. You probably hadn’t exchanged more than ten words altogether before starting law school a few years back.

“Hell no,” Joel answered, fast, “When you started work.”

His gaze was timid again. It was fixed on his thigh where you’d started to slide your index up the warm, muscled expanse of his skin, and though you could tell he was more than hesitant, you wanted to know. Wanted to feel.

It wasn’t so easy convincing a man you’d been working for—and fucking, largely without feeling—to pay bills that you wanted him here and now. But you needed to try.

That maybe, somewhere along the way, you’d come to want him, too. That cash wasn’t the only thing at stake.

You crawled between his legs, then straddled his hips.

Your lips smiling still as you did: “How much?”

Joel blinked back. Dazed.

“What do you m—”

“How much did you like me? When did it start?”

Joel sighed when your heat rubbed his. He tried grabbing ahold of your hips, when you glanced down and saw he’d already discarded the last condom. You couldn’t have that if you wanted to continue this talk.

You reached back and grabbed another.

“Darlin’,” Joel said, strained, “We shouldn’t…”

“Says who?”

You’d already worked the rubber halfway down his length when his heavy-lidded gaze locked with yours. You saw lust there, mixed with worry. Curiosity. You kept going.

“Says your dad, if he ever finds out what I’ve done to his little girl,” Joel replied, closing his eyes at the feeling.

You had the latex worked down to the base of him when you smiled. Felt him seize your hips, lids fluttering open to find you in their soft, glossy stare, and you felt better. Like clockwork, you went together and joined, at last. You felt Joel squeeze your backside and groan when you first sank down to take him whole. You shuddered, too.

But you tried to steady your voice as you spoke.

“Semantics, Miller,” you told him, only faltering a little, “Things you are ‘doing’ to his little girl. Not just ‘done.’”

There, you had a point. Surely your father would have had some choice words for his business partner and best friend if he knew how far Joel’s cock was currently stuffed inside your tight, wet cunt. It might even piss him off, if he weren’t too drunk to receive the news himself.

Joel blinked hard, signaling that he knew this too, and presently watched your body swallow all eight inches at once, after you’d raised yourself up to just the tip and sank back. Your ass fell to his groin with an obscene sort of squelch, and your walls involuntarily clenched. You both let out sounds of pleasure, and held on tighter.

Your hands on his chest for stability, while one of his own held your hip and the other fumbled around for your clit, gliding through the sheen of your arousal on his front. You rocked your hips and felt how much it really was—how you’d drenched his whole abdomen with your last release. You smiled at this and stared, pleased with the pretty, sticky display you’d laid bare all over Joel’s belly.

When Joel wasn’t watching you ride, he stared there too.

“Not so ‘little’ anymore,” he mused quietly. Then he looked up to find your eyes, seeing them as glazed as his, “And I ‘like’ you, hon. Present tense. Not just…‘liked.’”

Alright.

“How much?”

You wanted to say it with some confidence. Nonchalance. Then Joel’s cock nicked a particularly sensitive ridge inside your walls, and that thought was gone as quick as it had come. You gripped the flesh of his upper chest and rolled your hips harder. Let out your breaths in little fractured whimpers while you rode him more. Another sweet feeling twisted low in your gut.

With just a glimpse of that, Joel moved his hand from your heat up past your hips and waist, to squeeze one of your breasts. His fingers were wet. You could feel them, equal parts warmth and wanton yearning as the pads pinched your nipple and gave it a firm tug. He grunted.

Clearly, there was more to it than just the touching and feeling for him—Joel’s eyes drank in the sight of your skin as it glistened with the arousal he’d just smeared. He thumbed at the wet, stiff peak and swallowed. And, just as you were about to adjust the rhythm of your hips bouncing on him, his free hand joined the first and pulled you down. You cried feeling his cock wedge deep; your hands fell to either side of his body when he yanked your face down to his. He fucked up into you from underneath

You squealed, soft, “Joel!”

He kissed your open mouth. Made you lay flat overtop him while he fucked your dripping hole. You whimpered.

“Joel—” Again.

“I like you so much, sweetheart,” he said, in answer to your last question, lips close, “Does she like me too?”

As if to save him the trouble of a swift reply in words, your body told him instead. You squeezed around his cock, and with another desperate cry, bit his shoulder. He hammered your poor, aching pussy with a groan of his own, and he held your body down to his. Grinning.

Kissing the side of your head while he pounded away. Stroking your hair, “Is that a ‘yes’? She like her daddy?”

Drool was bound to slip out of your mouth any second. Your lips were locked in a permanent ‘o’ while he drilled from under you on the bed. Still, you managed to nod.

“Uh-huh—oh, fuck, fuck, da-ddy. Yes, daddy.”

You squeezed your eyes shut as another blistering wave seared your insides. Joel was relentless with his thrusts now, driving himself in and out without stopping or slowing. He must’ve known you were close. He was too, judging by the sounds of his grunts and hushed tone.

“Let daddy take care of her then, baby. All of her. OK?”

His words trickled through your ear as sweet as honey. His cock was less kind, but that was okay—you liked it.

You loved him here. Taking care of you. Her. Everything.

And, in this half-coherent state of fuckdrunk pleasure, you were tempted to give in to whatever he begged.

It would be so easy. Joel cradled your face in his hand, practically beaming with pride while he fucked you over and over, and your legs were spread, walls were stretched, eyes practically rolling back, and you felt more secure than you’d been in ages. Joel could care for you.

He rubbed his thumb over your cheek and hummed.

“Daddy’s got you,” he said, voice all warm assurance.

Nudging you closer and closer to your peak—and perhaps some other form of surrender. Release.

Submission?

Joel wouldn’t be so bad for that.

He could fuck you well and leave you content. Make you forget what it meant to be strapped for cash and saddled with guilt and worry over bills every month. Joel could provide, for now. His eyes said as much; his fingers threaded through your hair and rubbed your scalp. He cupped your face, all fifty-six years in his own looking as handsome as they’d ever been. He felt good. He felt safe.

You were hot. Your legs trembled and ached.

“Is that something you’d want?” he pressed.

And, still holding Joel’s gaze with a heavy-lidded, fucked out look of your own, you surprised yourself by nodding, slowly. Your body was spent, but the curve on your lips, then his, was sincere; Joel nodded back as he grinned.

“Yeah? You mean it, sweetheart?”

He flipped you both over and got on top, never breaking apart. You wound your legs around his back and let him cup your cheeks again, and from this angle, you felt it. You wouldn’t try and fight it now; you just kissed him.

Then you came for a third time, walls clenching and squeezing and gushing again, smearing Joel’s front as he fucked you right through it. His groans were a little more subdued than yours, but in their timbre, you could hear his desperation. He emptied himself inside you, in the condom, and kept holding your face all the while.

You felt a low pulse between your legs. Then another. And another. And another. Joel’s hips began to still, his hefty greying belly bumping lightly against your skin while he drained what was left in his balls, and you swore that his bones might’ve creaked from the sheer force of those final thrusts. He seemed exhausted. Somehow, though, the man looked even better in this state—haggard and worn as he was, the face above your own was soft. Smiling, faintly, and kissing you constantly.

You couldn’t pretend you didn’t enjoy it; you were far too tired and fucked out of your mind to protest right now.

Joel trailed a path with his lips from your chin to your ear. He kissed the hinge of your jaw and sank himself deeper.

“Mr.—” But you caught yourself, shortly, “…Joel.”

He lifted his head, not apologetic in the least.

“Maybe just one more—” he started.

“No,” you finished for him, sharp.

Still smiling, but with your eyes on him in a thinly veiled threat. Joel accepted that and kept his dick where it was.

What followed was gradual but natural enough. A little awkward as you broached that uncharted territory of remaining in the other’s presence after the deed was done, but Joel didn’t seem like he wanted to leave the bed, and you had nowhere else to go until dinner with your dad at eight. There was a moment you wanted to separate your body from Joel’s, if only to slip off to the bathroom by yourself, but the man just held you closer.

“You think your old man will mind if I joined tonight?”

Here the fuck we go.

“He’ll kill you.”

You pushed hard against his hold without getting so much as an inch of give. Joel had to fight back a chuckle.

“Oh, yeah? Why?”

“Because,” you began in a huff. Wriggling with very little success in his arms, while you were pinned in missionary, “I smell like you. You smell like me. My dad’s a drunk, but he can sniff stuff like that out in a heartbeat. Too risky.”

You punctuated those words with a still more serious look, but before you could nudge at his chest again or say something more, you were forced to swallow a scream. Joel’s grip tightened even more, and he moved to stand up from the bed—with you still in his arms and impaled on his cock. He started to walk to the bathroom.

“Great. Shower’s got plenty of room for the two of us.”

“Joel!”

“Glad I don’t have to keep reminding you of my name.”

His voice was smug. Your gaze was hard. Joel was still hard himself, amazingly, and you almost groaned when you felt the head of his cock bump somewhere soft and sensitive inside. He toted you into the big, bright room.

“If not tonight, how ‘bout tomorrow? Just you and me.”

He would never stop this shit. He reached for the faucet.

“Still too dangerous. You know that,” you chided. Your resolve only wavered a little when you felt the hot water start to pelt at your back. Joel closed the glass door, “Besides…I need to focus on figuring my shit out right now. Work and bills and getting myself a rental car soon.”

Joel paused. He turned, still holding you.

Then, just as swiftly as he’d stepped inside, he carried you right back out of the shower. You whined in protest.

He took you over to the bed and set you down. He left to find his wallet and keys. You might’ve been tempted to voice your displeasure in some other way—namely, by marching back to the bathroom, locking the door, and bathing alone—but before you could speak a word, Joel was back. He looked down at you and held out his fist.

“What’s—”

“Your dad and me’ll be up to our eyeballs in bullshit working the Garcia audit tomorrow—and I know you don’t want him seeing us leave together anywhere—so we can meet at Bohanan’s at six. How does that sound?”

You blinked.

“I don’t…have a car.”

Joel opened his hand. Keys dropped out.

In a single glance, you could see they weren’t his.

Joel drove a garish Super Duty F-450, not an Audi. The cogs were quick to turn in your head, but clearly not fast enough, because Joel was closing your fingers over the keys before you could breathe so much as a syllable to him. When you did, it came out more like a stutter. Palpably mad but far too rattled to get much out:

“Joel, I-I can’t—”

“I’ve been meaning to buy one anyw—”

“You’re insane,” you started to push the keys back, and for some reason, your heart was thudding extra hard as you did. You went on, unblinking, “You don’t…need to.”

“I want to.”

Joel’s hands were warm when he pressed both of his palms to secure yours between them. He could probably feel the way it shook a little, but he didn’t seem to care. His gaze was too busy trying to find, and hold, your own while you swallowed and stared and racked your numb brain for any words of defiance. At length, nothing came.

All you could do was meet that look. In the soft brown irises above, you could see it all—the need to comfort, and care, and provide where he could, offer better than the hand you’d been dealt and maybe, interspersed with those feelings somewhere, a simpler need in him to give.

For once, you wanted to believe it.

Fun fact: This fic was inspired by true events‼️💯 My life 😫🤪😤😈 Like reader, my truck is also busted as SHIT and needs $2,700 in repairs!!!! Unlike reader, I will not be sucking and fucking Joel Miller to recoup my losses (not asking for donations, just wanted to give y’all a giggle at my misfortune LOL)

[americamortgages]

Rising interest rates are a good thing for U.S. Real Estate Investors

Are you an overseas non-resident investor looking to purchase property in the U.S. but are thinking twice because of the increase in interest rates? Let’s break it down.

Let’s face it, interest rates are high, but if you are looking for passive income and long-term investment, we know now is the time to strike.

When interest rates are high, it is actually more beneficial to residential rental property owners because the demand for rental homes and apartments increases as many people that once were looking will not be able to qualify for a mortgage. Individuals and families who have put off their house hunting will need a place to live. When this happens, the rental demand skyrockets, and – this is the sign you’ve been looking for –the opportunity for real estate investors looking to purchase rental property is here!

What makes American Mortgages loans unique is the rate can be fixed for 30 years regardless of the borrower’s age. Your rate today will be the same 30 years for now, but the rent you will receive will likely be significantly more! Want an even better yield? Try our 10 year fixed interest only loan program that converts to a 30 year fixed without a rate adjustment. Total tenure of 40 years!

As a foreign national or U.S. expat investor, there are a few things to consider when you want to purchase a property in the U.S. There is no denying that the interest rates have increased, but if you are looking at real estate investment, you have to consider its long-term benefits – mainly building equity and wealth, property cash flow, and rental yield.

Build Equity and Wealth

Did you know that real estate remains a wealth-building tool for the majority of moguls? An estimated 90% of millionaires were created through real estate investing. Most High-Net-Worth individuals in the U.S. or around the globe invest in real estate in some form or the other.

As you pay a property mortgage, you build equity—an asset that’s part of your net worth. As you build equity, you have the leverage to buy more properties which in turn will increase your cash flow and wealth even more. America Mortgages has no limitation on the number of mortgages one investor can have. Portfolio loans are also available.

Why Rental Yield is so Important

Rental prices are soaring in many parts of the U.S. According to Government consumer price data, the average rent that the typical Americans actually pay rose 4.8% over the past year – a higher than the average rate of increase. According to Redfin, the average monthly rent rose to $1,985 in November – an increase of 6.8% monthly and 20.5% annually. The median rent nationwide in May reached $2,000 monthly, according to Redfin.

If you are keen to invest in U.S. real estate but have not found a property yet, AM Concierge ‘Property finder’ services can help you secure your dream home. Once you have purchased the property and your tenants are in place, your rental should run on autopilot. Our America Mortgages loan officer is with you for the long run. In the event rates change, special rate promotions or new loan programs, you’ll know first.

Real Estate Cash flow

How do real estate investors get so much cash flow? You probably read a million times that “real estate is a classic wealth-building technique.” Most investments don’t provide cash flow. Take, for example, stocks -you invest and leave without accessing them until you sell them. However, when you put resources into buy and hold real estate, you bring in cash flow monthly when you have tenants paying rent. The difference between the rent collected and your expenses is your income. You can utilize it to cover your bills, save for the future, or even make a greater real estate portfolio. Passive income is the income you can survive with, regardless of whether your other investments work out or not.

Now is the time to strike while the iron is hot. If you are still on the fence about investing in U.S. real estate, speak to our mortgage specialist to discover your options. 100% of our clients are living abroad.

For more details, visit us at www.americamortgages.com

Reference: https://www.americamortgages.com/rising-interest-rates-are-a-good-thing-for-u-s-real-estate-investors/

[fincrif]

Can Gig Workers Get a Personal Loan?

The gig economy has transformed the way people work, offering flexibility and independence. Gig workers, including freelancers, delivery agents, ride-hailing drivers, consultants, and digital creators, often face difficulties in securing personal loans due to the absence of a fixed salary. However, with the rise of alternative income verification methods and digital lending platforms, many banks and NBFCs now offer personal loans for gig workers.

In this article, we will explore how gig workers can qualify for a personal loan, the best loan options available, and the documents required for approval.

1. Can Gig Workers Qualify for a Personal Loan?

Yes! Even though gig workers may not have a fixed monthly salary, they can still qualify for personal loans by providing alternative income proof, such as bank statements, invoices, tax returns, or digital payment records. Many lenders assess an applicant’s financial stability by looking at their average income over several months rather than requiring a traditional salary slip.

2. Best Personal Loan Options for Gig Workers

2.1. Unsecured Personal Loans from Banks and NBFCs

Several banks and NBFCs now offer personal loans for self-employed individuals, including gig workers. These loans are based on average monthly earnings, credit score, and banking transactions.

Loan Amount: ₹50,000 – ₹25 lakh

Interest Rate: 11-24% per annum

Repayment Tenure: 12 to 60 months

Eligibility: Minimum annual income of ₹2-3 lakh, based on bank statements

🔗 Best Lenders for Gig Workers:

IDFC First Bank Personal Loan

Bajaj Finserv Personal Loan

Axis Finance Personal Loan

2.2. Digital Lending Platforms and FinTech Loans

Several FinTech lenders provide instant personal loans for gig workers by evaluating their digital transactions, UPI payments, and online earnings instead of traditional salary slips.

Loan Amount: ₹10,000 – ₹5 lakh

Interest Rate: 15-30% per annum

Approval Time: Within 24 hours

Repayment Tenure: 3 to 36 months

🔗 Top Digital Loan Apps for Gig Workers:

PaySense

MoneyTap

KreditBee

CASHe

These platforms offer instant loan approvals and allow repayment via EMIs, making them ideal for freelancers and gig workers who need quick access to funds.

2.3. Secured Loans Against Fixed Deposits, Gold, or Investments

For gig workers who struggle to get an unsecured loan, opting for a secured personal loan can increase approval chances. These loans are backed by collateral such as gold, a fixed deposit, or mutual funds.

Loan Amount: Up to 90% of the collateral value

Interest Rate: 7-12% per annum (lower than unsecured loans)

Repayment Tenure: Up to 7 years

Eligibility: No fixed income required; depends on asset value

🔗 Best Secured Loan Providers:

Tata Capital Personal Loan

Axis Bank Personal Loan

3. How Gig Workers Can Improve Loan Approval Chances

3.1. Maintain a High Credit Score

A credit score of 700+ significantly improves loan approval chances. Gig workers should: ✔ Pay credit card bills on time ✔ Avoid excessive loan applications ✔ Maintain a low credit utilization ratio

3.2. Show Consistent Income Proof

Lenders evaluate an applicant’s earning stability based on: ✔ Bank statements (last 6-12 months) ✔ Invoices from clients or payment platforms ✔ Income tax returns (ITR) for the last 2 years

3.3. Apply for a Loan with a Co-Applicant

Gig workers can increase their approval chances by applying with a salaried spouse, sibling, or parent as a co-applicant. This adds financial security for the lender.

3.4. Choose a Secured Loan

If a gig worker struggles with approval, opting for a loan against gold, fixed deposits, or mutual funds ensures faster approval and lower interest rates.

4. Eligibility Criteria for Gig Workers Applying for a Personal Loan

While each lender has different requirements, the general eligibility criteria for gig workers include:

Age: 21 to 60 years

Minimum Income: ₹2-3 lakh per annum

Credit Score: 650+ for unsecured loans

Work Experience: At least 1 year of self-employment or freelance work

Banking Transactions: Consistent earnings through bank transfers, UPI, or digital wallets

Lenders may also check past repayment history and existing liabilities before approving the loan.

5. Documents Required for Gig Workers to Get a Personal Loan

Since gig workers do not have salary slips, they must provide alternative documents to prove income stability and financial credibility.

5.1. Identity & Address Proof

Aadhaar Card

PAN Card

Passport or Voter ID

Utility Bill (for address verification)

5.2. Income Proof

Bank statements (last 6-12 months) showing consistent income

Payment receipts from clients, gig platforms, or apps

Income Tax Returns (ITR) for last 2 years

Profit and Loss Statement (if applicable)

5.3. Additional Documents (if required by the lender)

GST registration certificate (for self-employed individuals)

Digital earnings report from PayPal, Razorpay, or UPI transactions

Collateral documents (for secured loans)

6. How to Apply for a Personal Loan as a Gig Worker?

Applying for a personal loan as a gig worker is simple and can be done online or offline. Follow these steps:

Step 1: Compare Loan Offers

Check interest rates, loan amounts, and repayment terms from multiple lenders to find the best deal.

Step 2: Check Eligibility

Ensure you meet the income, credit score, and banking history requirements.

Step 3: Gather Required Documents

Keep identity proof, bank statements, and income proof ready for submission.

Step 4: Submit Loan Application

Apply online through the lender’s website or visit the nearest bank branch to submit a physical application.

Step 5: Loan Disbursement

Once the application is approved, the loan amount is credited to your bank account within a few days.

Best Loan Options for Gig Workers

Even though gig workers face challenges in securing traditional personal loans, many banks and NBFCs now provide flexible loan options based on digital earnings, alternative income proof, and secured collateral.

By maintaining a high credit score, showing stable income, and applying with a co-applicant, gig workers can successfully secure a personal loan to meet their financial needs.

🔗 Apply for a Personal Loan Today:

Explore Personal Loans

With the rise of digital lending solutions, getting a personal loan as a gig worker has become easier than ever!

[thebesthomelender]

What are ITIN loans?

Apart from the fact that most lenders do not offer ITIN loans, what are some things that might help you get approved for one, or help your real estate clients receive an ITIN loan? First off, what is an ITIN? It is a number issued by the IRS for non-resident aliens, an Individual Taxpayer Identification Number. Since it resembles a social security number, it is often confused as being a social.…