#personal loan percentage

[bitnest]

In the current rapidly evolving digital currency market, decentralized finance (DeFi) platforms are redefining the shape of financial services with their unique advantages. Bit Loop, as a leading decentralized lending platform, not only provides a safe and transparent lending environment, but also opens up new passive income channels for users through its innovative sharing reward system.

Personal links and permanent ties: Create a stable revenue stream One of the core parts of Bit Loop is its recommendation system, which allows any user to generate a unique sharing link when they join the platform. This link is not only a “key” for users to join the Bit Loop, but also a tool for them to establish an offline network. It is worth noting that offline partners who join through this link are permanently tied to the recommender, ensuring that the sharer can continue to receive rewards from the offline partner’s activities.

Unalterable referral relationships: Ensure fairness and transparency A significant advantage of blockchain technology is the immutability of its data. In Bit Loop, this means that once a referral link and live partnership is established, the relationship is fixed and cannot be changed. This design not only protects the interests of recommenders, but also brings a stable user base and activity to the platform, while ensuring the fairness and transparency of transactions.

Automatically distribute rewards: Simplify the revenue process Another highlight of the Bit Loop platform is the ability for smart contracts to automatically distribute rewards. When the partner completes the circulation cycle, such as investment returns or loan payments, the smart contract automatically calculates and sends the corresponding percentage of rewards directly to the recommender’s wallet. This automatic reward distribution mechanism not only simplifies the process of receiving benefits, but also greatly improves the efficiency of capital circulation.

Privacy protection and security: A security barrier for funds All transactions and money flows are carried out on the blockchain, guaranteeing transparency and traceability of every operation. In addition, the use of smart contracts significantly reduces the risk of fraud and misoperation, providing a solid security barrier for user funds. Users can confidently invest and promote boldly, and enjoy the various conveniences brought by decentralized finance.

conclusion As decentralized finance continues to evolve, Bit Loop offers a new economic model through its unique recommendation system that enables users to enjoy highly secure and transparent financial services while also earning passive income by building and maintaining a personal network. Whether for investors seeking stable passive income or innovators looking to explore new financial possibilities through blockchain technology, Bit Loop provides a platform not to be missed.

[isaurabhpande1]

Demystifying Credit Checks: How They Impact Loan Comparison

When comparing loan options, understanding the role of credit checks is crucial. Lenders often perform credit checks to assess borrowers' creditworthiness and determine the terms of the loan. These credit checks can have a significant impact on your loan comparison process. In this blog post, we will demystify credit checks, explain how they influence loan comparison, and provide insights into managing your credit to secure the best loan offers.

Understanding Credit Checks : Credit checks involve lenders accessing your credit report from credit bureaus to evaluate your credit history, credit score, and financial behavior. They help lenders assess the risk of lending to you and determine the terms, interest rates, and loan amounts they are willing to offer. There are two types of credit checks: soft inquiries (non-impactful) and hard inquiries (impactful). Soft inquiries are used for informational purposes, while hard inquiries are recorded on your credit report and can affect your credit score temporarily.

Impact on Loan Comparison: Credit checks play a vital role in loan comparison. They directly influence the interest rates, loan terms, and loan amounts offered by lenders. Lenders typically offer better terms and lower interest rates to borrowers with good credit scores and a positive credit history. When comparing loans, borrowers with higher credit scores are more likely to qualify for lower interest rates and favorable terms, saving money in the long run. On the other hand, borrowers with lower credit scores may face higher interest rates or stricter loan terms. It's important to consider how credit checks and your credit score will impact the affordability and overall cost of borrowing when comparing loan options.

Managing Your Credit: To improve your chances of securing better loan offers, it's important to manage your credit effectively. Start by reviewing your credit report for any inaccuracies or errors. Pay your bills on time, reduce your credit card balances, and avoid taking on excessive debt. Avoid making multiple loan applications within a short period, as each application can result in a hard inquiry and potentially lower your credit score. Instead, focus on targeted applications based on thorough research and comparison. Additionally, consider using credit monitoring services to stay updated on your credit status and make improvements where necessary.

Strategies for Loan Comparison: When comparing loans, be mindful of lenders who offer personalized interest rates based on creditworthiness. Some lenders may pre-qualify you or provide rate estimates without impacting your credit score. Utilize loan comparison tools or approach lenders for pre-qualification to get a better understanding of the rates and terms available to you. Compare loans with similar terms and request personalized loan quotes from multiple lenders to ensure accurate comparisons. Pay attention not only to interest rates but also to the APR, repayment terms, fees, and additional features offered by each lender.

Credit checks have a significant impact on loan comparison. Understanding how credit checks work, their impact on loan terms, and managing your credit effectively can help you secure better loan offers. Maintain a good credit score by managing your credit responsibly and reviewing your credit report regularly. When comparing loans, consider lenders that offer personalized interest rates based on creditworthiness and utilize loan comparison tools for accurate comparisons. By demystifying credit checks and incorporating credit management strategies, you can make informed decisions and secure the most favorable loan options.

[financing007]

: Our business loans are designed to help you fuel your business growth with capital infusion for expansion, working capital, or equipment purchase. With our flexible loan options, quick and hassle-free funding, and simplified documentation, you can be sure to stay ahead in business.

[togglesbloggle]

Why do you think tumblr will die in only a few years?

Answer with jargon: a strong correlation between recent economic shifts and chaotic choices by major tech companies is most easily explained if the 'traditional' social media platforms of 2005-2020 are mostly a zero-interest rate phenomenon.

Longer answer, with less jargon: Even though Musk's takeover is making all the headlines recently, the last year has in fact seen major shakeups at many social media platforms, so Twitter is actually part of a trend. Almost inevitably, these are cases of social media companies trying to find a way to squeeze more money out of their userbase (Reddit), cut costs dramatically (Twitter), or both. This marks a sudden departure from a much more relaxed attitude towards revenue in the Pictures Of Cats industry, where the focus was historically more on expanding the userbase to a global scale and then counting on world domination to sort of <????> and then the company would become profitable eventually.

We joke, correctly, that Tumblr has never been profitable. But the entire structure of ad-supported content curation between human users is deeply suspect as a business model; IIRC Twitter was never profitable either, and Facebook has been juicing its numbers in very shenanigany ways. Discord was actually making money on net last I checked, at least a bit, so they're not all completely in the hole. But even if you take the accounting figures at face value, none of these companies has anything like the amount of money that their cultural prominence would suggest. Instead, they're heavily fueled by investment dollars, money given by super-rich people and institutions in the expectation that fueling the growth of the company now will pay off with interest later.

So what changed?

I'm not an expert here, but I'll do my best to muddle through. The American Federal Reserve has one mandate that dominates all others (sometimes called the 'dual mandate'), and one primary tool that it uses to enforce that mandate. The goal is to maintain low (but nonzero) rates of inflation and unemployment, which in their models are deeply interlinked phenomena. The tool is 'rate hikes', or more specifically, tweaking the mandatory rate of interest that banks charge one another when making loans.

As a particular consequence of this, hiking the rate also means that bonds start paying out much better. When the rate hike goes through, that affects people who let the government borrow their personal cash- that is, people who buy bonds- as well as institutions like banks that lend to one another. A rate hike means that you, personally, can make a little extra money by letting the government borrow it for a while. The federal government of the US is a rock-solid low-risk choice for this kind of moneymaking scheme, so the federal interest rate sort of defines the 'number to beat'; to attract investors, a company has to give those investors money at a better percentage than whatever the feds are offering. Particularly since a company is a lot more likely to go out of business than the state!

To wrap this back around to the Pictures Of Cats industry: the higher the rate hike, the better your company needs to be doing (or the less risky it needs to be as an option) to attract big investment dollars. Very high rates make it very hard to convince people to invest in business activity rather than the government itself, and very low rates put moonshots and big dreams on the table, investment-wise, in a way that wouldn't otherwise be possible. Social media companies were one of these big dreams.

In the great financial crisis of 2008, the Fed took the dramatic step of reducing their rate to zero, trying to juice the economy back to life. And ever since then, they've kept it there. This has produced an unprecedented amount of funding for very crazy stuff; it's part of what has allowed so many weird new tech companies (Uber, streaming services, etc.) to get so much money, so quickly, and use that to grow to massive size without a clear model of how they're ever going to make money. This state of affairs kept going for quite a while, with no clear stopping point; that zero-interest environment has been one of the shadowy forces in the background that shaped fundamental contours and limits in how our Very Online World has grown and developed. Until COVID.

Or rather, the bounce back from COVID: we suddenly saw a massive spike in inflation and an incredibly strong labor market, as employees quit in record numbers, negotiated higher salaries, and found better work, and at the same time supply chain issues and other economy stuff caused prices to climb dramatically. Recall the Fed's 'dual mandate', to control the employment rate and inflation. This was, basically, kicking them right in the jooblies. They responded in kind, finally finally raising their rates for the first time in 15 years. For some of the people reading this, it'll be the first significant shift in their entire adult lives.

The goal, as I understand it, is to fight inflation by reducing the amount of outside investment into private companies, forcing them to hire fewer people and pay smaller salaries, ultimately drawing money out of the working economy and driving prices back down by lowering demand for everything. You get paid less, so you eat out less, and buy at cheaper restaurants when you do, so restaurants have to compete harder by lowering their prices; seems pretty dodgy to me as a theory, but it's the theory. And the first part will almost certainly work- companies are going to see less investment.

For social media companies that are still paying most of their salaries with investor dollars instead of revenues, this is especially catastrophic. Without outside investment, they're just a massive pile of expenses waiting to happen, huge yearly costs in developer salaries and server fees. This is why, all of a sudden, every social media company is suddenly making bonkers decisions. They're noticing that nobody wants to give them any more money! So they're trying to figure out how to live a lot more cheaply, to actually somehow for reals turn their giant userbases in to some kind of actual revenue stream, or both.

Tumblr is kind of the ur-example of this kind of thing, supporting a very large userbase with no coherent plan whatsoever to start paying its staff with our dollars instead of investors' dollars. When interest rates were low and Scrooge McDuck had nowhere else to hide his pile of gold coins, a crazy kid with a dream was the best alternative available to him. But now, unless something changes, he's going to notice he can just buy bonds instead, and that crazy kid can go take a hike.

That's why I think Tumblr is living on borrowed time, though I don't know how much. Like all cartoons, the economy doesn't really fall off a cliff until somebody looks down and notices they've been standing on thin air this whole time. But they always fall eventually; that's the gag.

[theambitiouswoman]

Basic Financial Skills Everyone Should Learn

Budgeting: Creating a budget is a crucial skill for managing personal finances. A budget helps you keep track of your income and expenses and enables you to plan and prioritize your spending.

Saving: Saving is another important financial skill. It's essential to set aside a portion of your income for emergencies, retirement, or other long-term goals.

Investing: Understanding the basics of investing can help you grow your money over time. Learning about different investment options such as stocks, bonds, mutual funds, and ETFs can help you make informed investment decisions.

Debt Management: Understanding debt and how to manage it is essential for financial stability. This includes understanding interest rates, payment schedules, and strategies for paying off debt.

Credit Scores: Your credit score is a critical component of your financial health. Understanding how credit scores work, what factors affect them, and how to improve them is vital.

Taxes: Understanding the basics of taxes, such as tax deductions, credits, and filing requirements, is essential for managing your finances.

Financial Planning: Developing a financial plan helps you achieve your financial goals by identifying your priorities, creating a budget, and determining the best investment strategies for your needs.

Understanding Interest Rates: Interest rates are an important component of many financial products, such as loans, credit cards, and savings accounts. Understanding how interest rates work, how they are calculated, and how they can impact your finances is important.

Insurance: Understanding the different types of insurance, such as health, life, and property insurance, is crucial for protecting yourself and your assets. Knowing what types of coverage you need, how to choose a policy, and how to file a claim is important.

Retirement Planning: Planning for retirement is essential for everyone, regardless of age. Knowing how much you need to save, how to invest your money, and when to start taking Social Security benefits can help you achieve a comfortable retirement.

Estate Planning: Estate planning involves creating a plan for the distribution of your assets after you die. Understanding the basics of estate planning, such as creating a will and selecting beneficiaries, can help ensure that your assets are distributed according to your wishes.

Basic Math Skills: Having a basic understanding of math, such as calculating percentages, can help you make informed financial decisions. This includes understanding how interest rates are calculated, how much you can save by making extra payments on your loans, and how much you will earn from your investments.

[what-even-is-thiss]

If you're wondering how so many books got lost and also how we have surviving ones, let me explain how books used to circulate before the invention of the printing press.

These days, a writer gets into a partnership with a publisher and this publisher prints and circulates these books to bookstores or other sellers and a percentage of every new sale goes to the writer and their agent. Used books are either resold privately or in used book stores or thrift stores or online. Some books are gifted to libraries. When the libraries have no more use for these books they are sold or thrown out.

In ancient times, there was no "books" as we currently understand them. Everything was written down or drawn on long scrolls of papyrus or parchment.

A writer would likely finish their final draft and do all their editing on cheap scrap paper or other writing surfaces like tree bark. Then they would either hire a scribe to make a few expensive copies or make the copies themselves if they were trained to do it all with good handwriting or calligraphy all in columns so that you could roll the scroll from side to side, only reading one column at a time.

The writer would then give these copies to their friends and family members, or as a gift to some important person, or perhaps just to someone who hired them to write it.

So let's say you are an educated courtesan or prostitute in the 1st century BC in Roman Greece and you write a fun and informative sex manual going over sex moves and sexual health complete with pictures. So you finish writing this sex manual and have a copy of it made and sent to a few of your other rich friends.

Your other rich friends think your sex manual is really cool and they take care of it and keep it unscrolled and flat stored in their personal libraries along with all of their other books. When they're moving it around or loaning it out to other people they keep it tightly rolled up to keep it compact.

Some people who borrow your sex manual from your friends really like it and want their own copy. So then either your friends will pay a scribe to make a copy of it and gift it to these people or the people who want it will borrow the copy and pay to have a copy made themselves. Copying your book in particular is even more expensive than normal because it has drawings in it so they need to find a scribe that is trained in copying drawings and not every scribe will take a commission for a sexual book, but they like your books so much that they're willing to take on the expense.

So this keeps going. People keep paying to make copies of your book. People like it a lot and eventually it becomes well-liked by the rich and they pay people to make copies of it for all their friends. After a couple of centuries of your book getting copied over and over again your book is a "bestseller" of sorts but you and your descendants never really saw any money from it because the people getting paid in the circulation of your book are scribes being paid to make copies of it and merchants selling what scrolls of it they can get their hands on.

By now the original copies you gave your friends are likely in the hands of their descendants, if the original copies still exist at all. They might've been burned in a fire when your friend's daughter dropped her lantern, or maybe worms ate it, or maybe your friends didn't keep it in a dry enough place and it just started to rot.

If the people who own a copy of your book like it enough or think it's important enough and they see that their copy is rotting or torn or charred, they can pay to have another copy made, but they also might not care enough and throw it out or just let it rot.

Over the centuries, your book slowly circulates less and less and the existing copies of your sex manual slowly rot in libraries or are purposefully burned as Christianity takes over, Rome falls, and literacy rates plummet while attitudes towards sexual books become even worse than they were in your time. Less people can read, less people work as scribes, less people have the skills to copy the drawings that were in your book.

And then on some unknown date, the last copy of your book is quietly eaten by worms in a damp and poorly cared for library.

This is what happened to The Book of Elephantis, a sex manual written by a prostitute or some other kind of sex worker working under a pseudonym somewhere in Greece in the 1st century BC. Her book was really popular in the time of the Roman Empire but it's since been lost. All the copies of her book just rotted away or burned over a thousand years ago. People just didn't care about sex manuals anymore and most people couldn't read them either.

It's also why most of the oldest copies of stuff like the Iliad we have are from the middle ages. The surviving works we have for the most part are the ones that people kept making new copies of and were stored properly.

Sometimes we get lucky and find some really old parchment scrolls in a dry cave or something or we scan books we have and can find where ink was scraped off and the paper was reused. But for the most part stuff gets lost because someone just didn't want to pay the expense to make a new copy.

Be thankful it's so cheap to make copies of books now and that modern paper lasts longer than parchment.

[she-is-ovarit]

I am on government insurance (Medicaid). Out of pocket, my psychologist's rate is $225 an hour. He went through a decade or more of school, obtained a PhD, and graduated with student loan debt. He didn't state how much, but I can imagine it's likely in the hundreds of thousands considering he still has this debt and graduated with his PhD in the early 2000s.

He shared with me that out of that $225 rate, he obtains about $25 from one Medicaid client's insurance company. The insurance company pockets the rest. My friend, another therapist, has a similar story. She makes $75 off of Medicaid clients usually when her rate out of pocket is $200.

Most therapists, psychologists, and psychiatrists are no longer accepting Medicaid/Medicare insurances because of this reason, which people who are poor are on. Over half of mental health professionals are no longer accepting insurance, period. I think we all understand that low-income people and low-income communities struggle the most with mental health issues, and if you are a person of color in the US you are more likely to be low-income. If you are a domestic violence survivor turned homeless because you left your significant other, you are also more likely to be on Medicaid. If you are a first generation student, you are most likely on Medicaid. If you are formerly incarcerated, you are most likely on Medicaid. And so on.

Additionally, if you are a human being of the female sex, you are far more likely to seek out therapy than someone of the male sex. Overwhelmingly men don't seek out therapy unless their female significant partner pleads with them, pressures them, or gives them an ultimatum which influences them to make an appointment. What does this mean when the vast majority of mass shooters, rapists, pedophiles, and domestic violence abusers are male?

Figure 2. Percentage of adults aged 18 and over who had received any mental health treatment, taken medication for their mental health, or received counseling or therapy from a mental health professional in the past 12 months, by sex: United States, 2019

Pair all of these details with the fact that mental health professionals are in such high demand right now, that even with private insurance the wait list is anywhere from three to six months out. Insurance agencies are business, and the corruption inherent. Many focus on prioritizing coverage for acute crisis rather than treating long term underlying conditions (which in turn prevents acute crises), don't provide coverage for co-occurring conditions, are advertising that more providers are accepting their insurance than there actually are, and are solely driven by financial interest.

I wonder how much domestic violence, sexual violence, child abuse, poverty, hate crimes, generational trauma, and overall suffering within individuals and in their societies can be reduced by valuing mental health and holding insurance companies accountable for their financial exploitation.

We talk about the US healthcare crisis without talking about the US mental health crisis.

[ginnsbaker]

In Flames I Sleep Soundly (1/2)

Summary: What do you do when you find out that person you trust the most is a liar? Or the Unfaithful AU that I've been wanting to read for a while.

Word Count: 9k+

Warnings: Angst, Smut (18+), Cheating/Adultery, Implied Het Sexual Content

Author’s Note: I was thinking about making a separate tumblr for fics (since I primarily post fanarts), but I’m too scatterbrained two maintain more than one account. I recently saw Unfaithful (2002) again and thought about doing an AU based on that movie. The title of this fic are lyrics from "Wedding Song" by Yeah Yeah Yeahs. No betas. And I won't apologize for how imperfect this monster is. I haven't written in more than a decade, so let's all suck it up.  

AO3 / Part Two / Masterlist

--

Part One

Summer arrives in Westview, New Jersey in a fairly conspicuous manner. Its parks have been repainted with various shades of green, and the oversized trench coats on the streets that its residents are so fond of during the cold months are nowhere to be found.

Despite these observations, Westview remains a sleepy town. At least it is to you, but that's probably because you’ve spent half of your life in Manhattan. You and Wanda moved to New Jersey a few months ago after you were promoted to branch manager. The salary that came with it was enough to pay off your student loans including Wanda's, so it was easy to accept the offer despite the trade-off of having to move to a relatively unknown and rural town.

"It's only temporary," you told Wanda when you broke the news. "My supervisor said that if I can prove myself there, I can come back as a regional manager."

Wanda had assured you that you had her full support. At the time, she was working part-time at a small gallery for up-and-coming artists in the state, and while she needed to start somewhere to realize her dream of becoming an art dealer, she figured it wouldn't derail her career so much if she could learn art trading online.

Everything happened in a blur after that. In two weeks, you were driving to Westview with nothing but two suitcases and your dog, Sparky, on Wanda's lap. You held her hand while she slept throughout the entire trip and you faced the unknown roads that led to your new life.

The house they picked for you and your family exceeded your expectations. Granted, you had to subsidize a percentage of the move-in fee, it was a small price to pay to have so much space. The bathroom alone is larger than the guestroom of your previous two-bedroom apartment in Yorkville. On the first day, Wanda had explored the house with a childlike wonder, while Sparky tried to cover every inch of its ostensibly boundless backyard. That night, with only a blanket laid out on the floor, you made love to Wanda and then some more on the kitchen counter and the bathtub upstairs, inside the master's bedroom.

You've been married to her for five years, but a fresh start gave you two the sexual appetite of newly weds. It didn’t take 48 hours to christen every room in the house.

By now, a routine has been established: you wake up at five in the morning to go out for a run, back at home by six, and then showered and dressed for work before seven. Wanda, on the other hand, would try to get up before you're done with your ceremonies to prepare breakfast. She's not always successful–sometimes waking up long after you've gone to work.

"You want some coffee?" Wanda wakes you out of your stupor. She's still in her nightgown, holding two cups of freshly brewed coffee. Her auburn hair is up in a messy bun and she is, after all these years, a sight to behold.

You look at her and then at your left wrist to check the time on the Rolex she gave you as a wedding gift. You still have a few minutes, but there's an urgent staff meeting that you're a little anxious about.

"And maybe some omelet?" Wanda suggests when you don't answer, already cracking some eggs in a bowl.

"Sorry, babe, got to run." You shake your head apologetically before walking over to her and kissing the back of her head. Wanda merely continues whisking the eggs for a while before commenting, "Until when are you going to have these early meetings?"

"I don't know. Maybe the end of the month?"

"You're the boss. Can't you just call them off? Maybe schedule them during actual office hours?"

You shrug and say nothing, unwilling to engage in an argument so early in the day. Wanda exhales heavily at your lack of reaction, which compels you to reach for her hand and stroke it. Seeing how she’s not pulling away from your touch, you move to hug her from behind.

"I'll try to be home early tonight, okay? I miss you too." You say softly and kiss her cheek.

"I didn't say I miss you." Wanda deadpans, but she's already turning around in your arms for a proper embrace. You kiss her forehead and let her hold you for a few beats. She buries her nose in your neck and inhales deeply. “I told you to stop wearing this perfume. It makes you unbearably enticing.” Wanda admonishes you with a hungry look.

It’s embarrassing how easily your wife can turn you into a bashful teenager with a little flirting.

“Well, maybe you should do something about it.” You playfully taunt her.

“Maybe I will.” Wanda says in a low voice, and she’s close enough for you to notice the total lack of green in her eyes.

As much as you want to rip her silky lingerie and take her right then and there, the fact is you are already going to miss the first few minutes of the meeting–and then maybe a quarter of it if you don’t leave soon.

"I really have to go. But first things first," You grab one of the two cups of joe and Wanda starts giggling when you drink from it in one go. "Best coffee in the world. Maybe you should start a cafe business."

"Idiot." Wanda taps your nose affectionately, before shoving you towards the door.

Later, you arrive home just a few minutes shy of midnight. The house is deathly silent, even your dog could not be bothered greeting you at the door. You go straight to the bedroom, making as little sound as possible, to find Wanda asleep on her side, facing away from you. You get rid of your clothes and climb into bed. You carefully inch towards her and press your front against her back, spooning her. You hear her breath hitch, but before you can start thinking of an apology, you fall fast into a dreamless sleep.

***

It’s two months later and on a lazy Sunday afternoon, when Wanda breaks the news that she’s been offered a temporary position at Westview Institute of Arts and Sciences. You’ve watched your wife gradually grow restless each week, having a difficult time adjusting to life in the suburbs. Wanda interviewing for a job wasn’t as forthcoming as her asking you to move back to the city. Taking the job would mean integrating with the community in a semi-permanent way. So it’s a surprise that Wanda would even consider it.

"Assistant professor?" you ask distractedly, not looking up from the Jonathan Tropper novel on your lap. Wanda’s perched on one of the barstools of the breakfast counter, waiting for her banana bread to be done in the oven. Sparky lays at her feet, also waiting for the banana bread.

"What do you think?" Wanda muses and drums her fingers on the table.

You regard your restless wife for a moment, before closing the book and tapping the spot next to you on the couch. “C’mere.”

Wanda does as she’s told and Sparky follows after her.

"I think it’s a great opportunity and experience to have. But I thought you're getting a lot of projects from Upwork."

You try not to sound too partial to the idea of her working in the university. However, if you’re being totally honest, it would essentially solve the problem of your wife’s mild existential crisis– and your guilt of probably causing it.

"It’s just a side-hustle,” Wanda argues. “Besides, they’re going to need me only three times a week and they offered me a full-time pay.”

“Sounds too perfect to be true.”

Wanda shakes her head. “I don’t think so. It’s not unheard of that there’s a huge demand for educators in small-town institutions.”

“So you’ll take it?”

Wanda nods with a smile and then says, “Only if you’ll drive me in the morning.”

“Of course, baby.” You say almost instantly and give her a quick peck on the lips. It doesn’t even matter that Wanda has her own car since she hates driving with a passion.

"Professor Maximoff." Her potential designation rolls off your tongue coolly. You’ve never really pictured Wanda in academe before, and now you can’t get rid of the image of her in a perfectly tailored suit.

The corners of Wanda’s mouth quirk up in a dreamy smile. "Kinda has a ring to it, huh?"

"A very sexy ring to it, professor."

Wanda giggles as you go ahead and think of ways to sneak into one of her classes some time in the near future.

"I'd tell you I've gotten a job at Baskin' Robbins and you'd say I look hot in their uniform." she points out.

"I bet you're hotter with all your clothes off."

Suddenly, the oven dings and Sparky starts barking at Wanda.

“And you’ve got a one-track mind,” she mutters with an undercurrent of mirth, before getting up to return to her baking. “Ten points from Hufflepuff!”

You burst into a fit of laughter. “Can’t blame me for having a hot wife. Also, I’m a Gryffindor you vexing Slytherin!”

Wanda can be the biggest dork at times, and it only makes you fall for her a little harder in these moments.

She sticks her tongue out at you. “Dream on, Badger Queen.”

***

It’s some kind of Hollywood domestic bliss.

You still wake up at five to go out for a run, but now Wanda’s your running buddy and you’re always trying to catch up with her pace.

“I can’t believe this gives you more energy than coffee.” she said the first time she laced up and she finished her run a minute faster than you. You thought it’s ludicrous that Wanda was a natural athlete on top of her good looks, but you figured it was an organic truth given that her brother played professional soccer for a couple of years before he got into the business side of sports.

Most days, you’d let Wanda clean up first while you cook breakfast. On one occasion that you joined her in the shower, Wanda turned up so late in class some of the students were already preparing to leave.

“That can’t happen again.” Wanda told you.

“Whatever you say, babe.”

You’d been married to her long enough to know that Wanda often broke her own rules. Historically, you’d watch her do so with satisfaction just because it’s usually an unspoken challenge between married people. And maybe because it reminded you that she’s human. Imperfect as much as you were.

“Just be careful, Y/N,” your best friend, Natasha, told you a month into dating Wanda Maximoff. “Mistakes and disappointments are inevitable. Hell, even I will let you down at some point in the future.”

“You have. Many times.” you said jokingly.

“Is that right? Look, all I’m saying is it’s also not fair to Wanda if you put her on such a high pedestal.”

Natasha was right. However, it wasn’t like you could change who you were and how you loved. The night you met Wanda at freshman orientation, you knew she was the one. You loved her through college as her closest friend as much as you did when she began to see you in a new light thereafter.

And even now, as you stare at her sneaking a nap on the drive to her workplace, nothing has changed. It’s a cherished moment, no matter how mundane.

Your hopeless crush on Wanda never really went away.

You feel very lucky that she feels the same way.

***

You’re about ten feet from the door of your house when you hear scratches from behind it, followed by Sparky’s incessant barking. Quickly, you fish out your keys from your backpack and open the door.

Sparky jumps at you as soon as the door swings open, and then starts licking at your pants.

“What’s up?” you say, scratching behind his ears until he calms down.

You look around the empty living room and notice for the first time that Wanda’s not home.

You send a text to her asking where she is. Sparky is making whiny noises, while pushing his empty bowl towards you with his tiny paw.

“Sorry, bud. Let’s get you your dinner.” You say, picking up the bowl and bringing it to where you store his food. You open the cupboard to find a mostly empty bag of Merrick. Sparky patiently waits for you, wagging his tail. Wanda was supposed to get some groceries this afternoon.

You check your phone and find no new messages.

“Looks like you’re coming with me for a quick run to the grocery store.” You tell Sparky with a sigh.

Sparky tilts his head at you in confusion. You send another text to Wanda telling her you went out and ask if she’s already eaten, before heading out to your car once again.  

You don’t hear back from Wanda long after you’ve had dinner by yourself and it’s almost midnight. Your anxiety levels are at an all-time high, and you’re about to call the cops when you hear her car approaching the garage.

You’re waiting by the door, so at the very second she slips inside the house, you hoist her into a desperate embrace like a mad woman.

“Where were you?” You exclaim as you pull away and clasp her shoulder blades hard. “I’ve been worried sick and you went dark on me.”

Wanda winces at you, gently prying your fingers from her. “My phone died and I forgot to bring my charger. I was writing the final exam that I have to turn in by tomorrow, and got carried away. I’m so sorry.”

“Don’t do that again. You couldn’t have borrowed someone’s cell or call from the school?”

“Like I said, I was working,” Wanda rolls her eyes, just a tad snidely. “It’s Westview. What’s the worst that could happen to me? Please let it go, I’m so fucking exhausted.”

It’s not that you’ve never heard your wife curse before, but you can’t help but flinch given the context at which she’s said it.

“Fine,” You clench your jaw, stepping out of her way. “We’ll talk about this in the morning.”

“Sure.” Wanda says stoically.

You don't talk about it in the morning. Or at all.

***

The forecast is you’re not going to hit this quarter’s targets. You’ll be two to three percent short, and everyone is telling you there’s not enough time to pull off a new campaign and drum up enough business to meet the numbers.

Your stubborn nature beseeches you to try anyway. It is, of course, at the cost of being stuck in front of your laptop in the dead of night.

Wanda approaches you to see if you need anything before she goes to bed without you. You smile at the sweet gesture but shake your head no.

“I’m good,” you say.

“Are you sure? I’ve got us fresh tea bags.”

“Positive.”

“Okay, good night.” she offers you a faint smile and starts to leave the room.

“Wands?” you utter abruptly.

She pauses and leans against the door frame. “Yeah?”

“Do you love me?”

“Of course, I love you,” Wanda drags her feet back to you. “What a silly question.”

“I guess I’m just feeling silly. We’ve been working hard, and when we’re together,” You let out a mirthless laugh. “We’re still working.”

Wanda nods solemnly but doesn’t speak. You can’t see her eyes with just a lamp lit on your desk and you're oddly grateful for that.

“I just miss you.”

“Me too.”

“Okay, uhm,” you fidget, suddenly feeling self-conscious. “Good night.”

“Good night.”

***

You wake up to wet kisses all over your face, only to be sorely disappointed to find out it's just Sparky, while Wanda looks at you softly as she waits for you to shake off the residues of sleep.

“Baby, I need a favor.” Wanda says.

"Good morning to you too." You reply good-naturedly.

Wanda ducks her head sheepishly. "Sorry, I've been waiting for you to wake up. I've said ‘good morning’ in my head, like, a hundred times." she tells you.

You silently brush a lock of hair from her face, before scooting closer to her and pressing a small kiss on her forehead.

"How can I be of service, m'lady?" you ask.

Wanda gets to it immediately. “There’s this painting I need from where I used to work. I need to bring it tomorrow, but I can’t take the day off. There’s no substitute because, well, I’m supposedly the substitute.”

“Sure, I’ll drop by there after work.”

Wanda makes a bashful noise of disapproval. “They’re only open until three-thirty.”

It’s a bad time to be missing work these days, but Wanda rarely asks for your help with anything. She’d sooner ask a stranger than her partner. There's one ex-boyfriend of hers you actually got to talk to in the past long before you and Wanda happened. The conversation was short, with mostly him talking–or rather ranting about how Wanda never made him feel needed. He went as far as claiming that she emasculated him in many ways. You never agreed with his insinuations of it being Wanda's flaw, and that it contributed to the downfall of their relationship. You like that Wanda is not a damsel in distress and that she carries herself with an air of confidence that only a truly independent woman can exude.

Although it does feel good to be needed sometimes.

“I’ll take care of it.” You assure her.

“Thank you,” Wanda says, and then proceeds to give you a tight but fleeting hug. "Alright, I'm gonna go get ready."  

You plop back on the bed with a huff. You haven't gone out on a proper date with Wanda for months, and you don't know how much longer you can survive this routine of late nights and rush hours. Maybe a vacation isn't too improbable by the end of August. Wanda's always wanted to visit Maui and, but you've kept deferring it until next year. A year has turned into two, three, and you don't realize it until just now that she's stopped mentioning it to you.

You make a mental note to search for discount flights later. Or maybe you can start with something more feasible like, say, lunch?

"Wands?"

The noise of the running shower drowns out your call, so you lumber from the bed and towards the bathroom.

Your mouth goes dry at the view of Wanda's soaked body, nostrils flaring at her stupid rule of no sex before work.

Wanda turns around and your eyes drop lower.

"Jesus, Y/N!" she gasps, then lets out a breathy laugh.

"Sorry," you lie, smirking at her nakedness. "Should we go out for lunch later?"

"I'd love to," Wanda says. "But I've got a lunch meeting with the dean."

"I see." you say and linger by the door. The crestfallen look on your face doesn't go unnoticed by your wife.

"We can have dinner," Wanda proposes tentatively. "Maybe drive to the city for some steaks and a dive bar after?"

Your eyes light up at her suggestion, heart brimming with repose.

"I'll pick you up at seven," you say. "It's a date."

Wanda throws a wink in your direction before turning back around to lather herself with your favorite soap.

-

Finding a parking space in Soho is almost next to impossible. You've only been living out of Manhattan for a couple of months, but it already feels like the population has doubled since. You're thinking about just leaving the car somewhere near the island and using the subway, when a woman enters your view and you step on the break as fast as you could. There's a loud screeching sound to be heard before the woman is rushing to your door with every intent to pulverize you on the spot.

As soon as you roll your window half-way through, a string of profanities welcome your ears like a gunshot. What you don't count on is hearing them from a spectacularly familiar voice.

"You almost got me killed you fucking asshole –"

You tilt your head towards your assailant. There's no mistaking that pair of green eyes.

“Yelena?"

Natasha's younger sister stares at you wide-eyed before her face breaks into the brightest smile.

"Y/N?"

"I almost didn't recognize you. I'm glad you still remember my name." you say. The last time you saw each other was right before Yelena went to an English university that you’ve forgotten the name of(it rhymes with ‘weed’) and you were a freshman in college. Yelena was a brunette then; she used to wear thick-rimmed glasses and her hair was always up in a low ponytail. The Yelena in front of you has blonde hair, a nose-piercing, and a cherry blossom tattoo on her chest that trails down and disappears into the collar of her blouse.

"How could I forget the only friend of my sister who was ever nice to me?" she quips with a toothy grin.

You blush at the fond memory of tutoring Yelena and treating her often to street shawarma.

"That's not true. Bruce was friendly with you as well."

"That's because he was dating my sister and wanted to get on my good side. What are you doing here anyway?"

"Looking for somewhere to park. Do you happen to know any in the area?"

"I've got one if you want. It's just down the street, second corner to your right."

"You're renting a parking space in Manhattan? I'm absolutely impressed."

“Oh, no!” she exclaims. Then adds, "It's my roommate, Kate's. She's loaded."

"Are you sure it's okay?"

Yelena nods and you thank her as she lets herself in your car.

The parking turns out to be too narrow, and so Yelena has to get out before you slot your car in the spot securely. Afterwards, she asks you where you’re off to, and you tell her that you’re picking up a painting for your wife. You ask her to come with you when she expresses an interest in the gallery.

You reacquaint yourselves with each other on the long walk to Wanda’s previous workplace. The conversation is, for lack of a better term, enjoyable. Yelena has always been an easy person to talk to–a remarkable contrast to Wanda who is often a challenge.

“When did you come home?” you ask suddenly after a while of talking about your work and recent settlement at Westview.

“Two years ago.”

You’re taken aback by her answer, feeling a bit hurt as you process the new information. Yelena’s been here all this time. Why didn’t she try to contact you?

“My cell didn’t ring either, you know.” Yelena tells you as if she can read your mind.

“Nat didn’t mention anything. I assumed you were still in London.”

“Leeds. The British are right about us not knowing any other city in the UK.” Yelena chuckles. “I told Nat to keep her mouth shut about my affairs.”

Before you could reply, Wanda’s ex-colleague, Agatha, comes out with the painting in hand. Yelena saunters off to observe the artworks on display.

“Thank you, Ms. Harkness.” you say, accepting the piece that was about the size of Mona Lisa.

“Welcome, dear. Whoever bought this must be made with money.”

The painting is wrapped in manila paper and it makes you curious who it is for. It must be someone who held a high position at Wanda’s university.

You excuse yourself with a polite nod, unaware of the look of suspicion she directs at Yelena, as your companion trails behind you on the way outside.

“Someone’s got a crush on you.” Yelena bumps your shoulder with hers.

“Wanda seems to think so too. Though I bet she’s just a nice old lady.”

Yelena laughs and slaps your arm this time. “Dude, she’s not old, old !”

“Someone’s got a crush,” you tease her back. Then, as if on cue, a reckless motorist speeds through a puddle, causing a wave of wastewater to splash all over your shirt.

“Shit,” you hiss, frowning at the ruined fabric of your white button-down. Yelena takes out her handkerchief and proceeds to wipe the specks of grease from your neck and face.

“Come on, we have a washer in the apartment.”

-

"Sorry I couldn't come to your wedding."

The hot coffee you just sipped refuses to come down your throat.

Yelena snickers at the dumb look on your face and says, "I'm just messing with you."

Your veins pulse in your temple as you force yourself to swallow. Yelena’s having a field day with you, poking fun at you on every opportunity.

"I'm so sorry for not extending an invite. It happened pretty quick. It was just your sister and Clint, and then Wanda's brother, Pietro. Our reception was at a pub in Brooklyn, and just getting absolutely shitfaced." you rush out, toying with the sleeves of Yelena’s sweater you borrowed. It’s cozy despite the hot weather. And undeniably smells like her.

"I know, Nat told me. Hey, I'm not offended. Besides, getting a wedding invitation from you would've been weird because,” Yelena pauses, and then sadly says, “We haven't connected in a long time."

"Yeah," you agree with a rueful smile. You haven't spoken to or thought about Yelena since you met Wanda.

“What’s she like?”

“Wanda? She’s…” It dawns on you that it’s not easy to translate your regular daydreams of her into a description you’d share with someone else.

“Exquisite,” you say, after going over various adjectives in your head. “And driven and smart. A glass half-empty to my glass half-full.”  

“I’m happy for you,” Yelena mutters over her glass of Merlot.

“And Kate? How did you meet her?”

“We’re just friends.”

“Who are living together,” you point out.

“Best friends then.” Yelena says, unperturbed.

You smirk. “If you say so.”

“I’ve dated around, but I never really found someone who could replace–” Yelena bites her lower lip to stop herself.

Except, she didn’t have to because you know.

You’re both quiet for a while, before you break the silence with, “Anyway, thanks for the parking and saving my shirt.”

"You did take my virginity. That's something I can never repay you for."

You’re too shocked to react–she is too, at her brazenness–that for a while you just stare at her with your mouth agape.

Placing the coffee mug on the table, you get up on shaky feet.

“Sorry, that was a bad joke. I–”

“You know what, I should go."

"Oh," Yelena gets on her feet as well. "But your shirt?” she asks weakly.  

"I'll just continue drying it at home. And then," you look down at the sweater you borrowed from her. "I'll mail this to you."

"Don't worry about that, I haven't worn that in ages."

"I promise to return it."

"Okay."

"Alright, so," Not quite knowing how to say good-bye, you jerk your thumb towards the door. "I'm gonna head out now."  

Yelena closes the distance to give you a hug, which she keeps short when you go rigid at the proximity of her body and yours.

"Bye, Y/N."

***

Wanda cancels dinner at the last minute. You’re surprisingly amenable and just text her when she’ll be home. You decide to cook for Wanda and try to convince yourself it’s not because you just need to keep busy and not think about what happened earlier with Yelena.

***

It’s Wanda’s day-off and she’s overslept. You watch your wife sleep soundly on her stomach, without a care in the world. Like this, the years fall away from her face and she looks like the girl you strongly want to protect for the rest of your days. Your eyes scan the room, until they fall onto the chair beside the bed. Hanging over it is a newly-bought lingerie with its tags still attached to it.

“Can you stop being a morning person just for today?”

You avert your gaze from the piece of clothing upon hearing Wanda’s voice still thick with sleep.

“Hi,” you greet your wife, twisting your wedding ring on your finger.

“Hi.” Wanda greets back, peeking at you from the comforter.

“I made breakfast, who’d you like to join me?”

“Sure, just give me a minute.”

You think about telling her you’ll wait until she’s ready and you can go together, but there’s an air of unfamiliarity and awkwardness hanging over your head–even worse is you don’t know where these feelings are coming from.

You don’t mean to count but it takes Wanda roughly twenty minutes to meet you at the breakfast table. It’s easy to force down your irritation when she looks immaculate and very put together.

Together, you eat in silence. You try to make conversation but in the end, Wanda’s responses are clipped and unfocused, so you just concentrate on finishing your oatmeal.

"You and I had a pretty crazy schedule recently, so I thought I'd take the day off and do something together." you say after waiting for Wanda to finish her meal.

"That's great, baby," Wanda smiles at you, before getting up to take the dishes to the sink.

Sneaking up behind her, you gently place your hands on the curve of her waist, and your lips just beside her left ear. For a while, you massage the flesh beneath your palms, feeling firm muscles instead of softness you're used to. Wanda's body has transformed right under your nose, and while you appreciate her more toned figure, you hope she's not being too restrictive with her diet.

"Leave them, baby. I'll do the dishes later..." You press an open-mouthed kiss to the skin just beneath her lobe. "...after I do you."

She squirms in your embrace, and you interpret it as a sign that she's getting turned on from your advances.

"Y/N–" Wanda doesn't get to finish her sentence as you twist her around and gently capture her lips. While she kisses you back with her hand coming up to wrap around your neck, she doesn't make a move to deepen it, seemingly satisfied with lazy pecks that end sooner than you'd like.

"Can I take you back to bed?" You inhale her scent soundly as you nose the length of her stupidly perfect jawline.

"I actually have to uhm–the laundry won't take care of itself." Wanda reasons, but doesn't really pull away from your hold. You take this opportunity to slide your hands up her back, beneath her shirt, and you can feel her goosebumps from your eager ministrations. Only now, being this close to her, have you realized how much you missed your wife.

Ignoring her excuses to thwart your affections, your fingers find the hook of her bra with ease. You snap it free and hastily move to grab both of her breasts, squeezing them tightly. "God, the things they do to me." You groan. She gasps at that, and by now, she should be pushing her chest towards you for more, but she remains slack as ever, like an obedient ragdoll under your whims.

Something's not right, you thought to yourself. You pull back just enough to check, and what you find has you swiftly stepping back to give her some space.

The expression alone on your wife's face could send you to jail.

"Shit, are you alright?" You rasp, overwhelmed with self-disgust at the thought of causing Wanda the slightest discomfort. Were you just about to take advantage of your wife without her consent?

Wanda looks at you with regret that you couldn't quite understand.

"D-Did I hurt you?" You dread the possible answer, tears pooling at the corners of your eyes.

Wanda quickly closes the distance between the two of you and envelops you into a hug.

"Oh, baby, no you didn't. I'm so sorry I made you think that." She coos, rubbing your back in soothing circles. You sigh against her shoulder, carefully keeping your hold on her hips loose.

"I just missed you so bad these past few weeks, and I thought you wanted to… it's okay if you don’t. I'm sorry."

It breaks Wanda's heart that you're taking the blame for this. She feels annoyed and guilty at the same time, at how apologetic and sensitive you are to her feelings, as if they matter more than yours do.

"It's not your fault. There's just so much to do and I can't get in the mood until I tick off everything on my to-do list."

"I know. I’m sorry."

"Stop apologizing," Wanda chastises and it comes out harsher than she intended. "You're perfect. I'm sorry. I miss you too. So bad."

"I love you." You tell her, burying your face into her hair to seek more of the lavender scent of her shampoo. It used to frighten you how much the little details about Wanda affects you in big ways. But that fear has turned into comfort, and you've grown to trust her enough to be happily vulnerable around her.

It doesn't worry you at all when she says she loves you back after a long, mysterious pause.

***

Wanda starts driving herself to work and attributes it to her inconsistent hours at the university for the rest of the term. Sparky’s in the dog daycare now more frequently than he is at home.

***

Wanda has gone up to take a shower before bedtime.

You just finished scrubbing the kitchen clean after having dinner together, and you're buzzing with the prospect of getting laid tonight. Your tactic to get your wife to sleep with you is to offer her a massage after witnessing firsthand how hard she's been working lately. In a way, you also want to show your appreciation for everything she still continues to do in the household. And although she accidentally burned the lasagna, she outdone herself with the roasted chicken.

It still amazes you to this day that you’re married to Wanda Maximoff.

Making as little sound as possible, you climb the stairs and towards the bathroom. You can hear the sound of water hitting the floor, and you can't help but imagine Wanda's naked body, lathered in soap, her brunette hair sticking to her clavicle. Your mouth waters at the prospect of taking her, pressing her against the wall and reminding her what you've both been missing for weeks. And just like that, your earlier tactic is out the window.

With practiced ease, you wrap your hand around the doorknob and twist it as gently as you can.

But something unexpected happens.

Wanda's locked the door. "That's odd." You mumble to yourself.

You decide to knock instead. "Baby?" You call out.

No reply comes for several seconds, and as you were going to leave, thinking she didn't hear you, Wanda's breathless response echoes through, "I'll just be a minute! Did you need something?"

"Hey! Uh, no. I was just going to–" You suddenly feel like an idiot wanting to sneak in for some surprise sex. "Never mind. You locked the door?"

"Oh, did I?"

"Yeah! It's fine, I'll just use the toilet downstairs."

She doesn't say anything else to that and you awkwardly turn on your heel to actually use the toilet downstairs.

***

You google ‘ how busy are part-time assistant professors’ on the second straight-week Wanda’s been going home later than The Late Night Show with Jimmy Fallon.

***

Your best friend finally comes around and visits you in Westview. Although you wish it weren't on pitiful circumstances that warranted her special skills of exposing people and their secrets. Even to this second, you're still unsure if you really want her help. You can't even be sure of your own sanity. The only thing you know is that you feel more like yourself now that Natasha's here with you. You've made new friends in your new neighborhood and at work, been invited to weekend barbeques and the local cycling community. But the sense of being alone has never been this strong as when you were living in the city, barely keeping any sort of acquaintanceship and let alone a meaningful friendship.

“You know I don’t do this anymore.” Natasha claims with a huff. "And typically, consultation alone will cost you a grand."

“And I never thought I’d ever ask you to do this.” You shake your head apologetically as you help her deposit her luggage in the trunk of your old Mercedes Coupe.

“I still think you’re just overreacting.” Natasha says as she settles in the passenger seat. It's what you want to hear, but instead of pacifying you, they urge you more to dig for the truth of it all.

"Weren't you always telling me in college that Wanda's too boy-crazy to really be with me?"

Natasha rolls her eyes. "Yup. But then she married you, and I lost ten bucks to a wager with Clint."

"You wagered on the most important event of my life?" It's the first time you're hearing that two of your closest friends gambled on your critical life choices. You're not exactly surprised per se, but it makes you curious about what made them choose which side of the coin.

"Well, no," she answers nonchalantly. "We wagered on almost everything. Like who would you lose your virginity to: Carol or Maria. Two beautiful women who had been throwing themselves at you for a whole semester."

"Who won that bet then?"

"Nobody. Remember when we bought you drinks after you finally slept with Wanda? That's where all the stakes went. We both lost."

"So after my marriage, what else did you put your money on?"

Natasha smiles. "None. That was the last of it. It's not right to give odds beyond a happy ever-after."

If she notices your deathly grip on the steering wheel, she doesn't comment on it.

***

Wanda's serving you the cold-shoulder for not giving her a heads-up about Natasha. You try to ask her why it's such a big deal, and she begins ranting about dinner portions and the “chaos” in the living room: some skewed pillows and a bundle of her students' reaction papers on the center table. Natasha is outside, waiting, so you try to help Wanda straighten the room but she merely dismisses you and asks you to drive for take-out.

"If it's too much trouble for you, we'll just get dinner somewhere." you say.

Wanda narrows her eyes at you murderously, as if you've just made things much worse.

"Fine," Wanda says with finality as she walks up the stairs. "Give my regards to Nat."

And then she's gone, but not before slamming the door of the guest bedroom shut.

You're absolutely fuming when you go back to the car and Natasha peers at you questioningly from the passenger’s seat.

"You in the mood for pizza?" you ask instead of explaining why you can’t still invite her in.

Natasha scrunches her nose in disgust. "Pizza in New Jersey? No, thanks. How about Chinese?"

"Sure." you nod in agreement, having already lost your appetite anyway. You toss the car keys at her. "You drive."

-

You're laying on your back, staring at the ceiling. Wanda hasn't uttered a single word to you ever since you got home from dinner with Natasha.

"She used to spend the night every week at our apartment." you whisper in the darkness.

"What?" Wanda mumbles and shifts onto her back as well with an arm draped over her eyes.

"Natasha," You clarify. "So it didn't cross my mind to inform you that she's visiting. It's just how it's always been."

Beside you, Wanda is mute as a statue. She does this sometimes–tune you out. Wanda claims it's her way of circumventing her anger and saying something she might regret.

For all you know, she could be telling the truth. But to you, it just feels like you're being punished.  

"Wands?" you try. She rolls to her side with her back to you.

You're in hell every time you fight with Wanda. Returning to normal is not an option unless you fix it. You wonder if it's the same for her, or if it's something as trivial as running out of toilet paper or an expired carton of milk left in the fridge.

"Baby?" you try again. It seems like it's all you ever do these days. "Please?"

You hear Wanda release a ragged sigh.

"We're fine, Y/N. Let's just go to sleep."

You nod to yourself and finally let go of the tears you've been holding back. Subsequently, Wanda's cold hand reaches for yours and locks your fingers together. It makes you cry harder, but you can't let her know.

***

Natasha is still radio silent a week after you’ve asked her to spy on your wife.

It's not like her to be slow with the results. You take the lack of news as good news.

***

You wake up in the middle of the night to find Wanda's side of the bed empty.

"Wanda?"

"Hey, baby."

You rub the sleepiness off your eyes at the sight of Wanda’s puffy eyes.

“Are you crying?"

Wanda chuckles, shaking her head. "Sorry, I was watching this movie. You know how I get."

You grin at that. "My big crybaby." You sit beside her on the couch and she snuggles to you.

For a while you stay that way, your fingers playing with her hair, and Wanda, palming your cheek affectionately. It brings you back to years before, when she was merely a close friend who would lay her head on your shoulder while she cried about some guy who didn’t deserve her. Like this, Wanda seems so small and vulnerable. You’ve come to realize a long time ago that whatever she’s done, or is to do, you will always feel the need to protect her at all cost. That was the last strip of armor you had given up when you decided to love her until the end.

Then all of a sudden, you see a flash of brown and you end up on your back as Wanda straddles your hips, her eyes darker than you've ever seen them.

"Take off your shorts." She commands in a rush, her own hips already starting a rhythm. You do as she says, but you only manage to move down your shorts and underwear past your ass, when you feel a finger swipe at your wet slit.

"Fuck. Patience, baby." you moan, feeling yourself get slicker.

"Don't have any," Wanda rasps and she sucks the very same finger into her mouth before taking over your undergarments and sliding them all the way down to your ankles. You've barely kicked them off before she spreads your legs and doesn't waste any time tracing your intimacy with her tongue. Her patience comes back eventually, but you're about to lose yours when she doesn't do anything else other than softly brush the tip of her tongue from your tight hole to the underside of your clit. She does this over and over and over, until your legs begin to tremble from being spread out like an eagle for what seems like an eternity.

You clench your core and try to come just from what she's doing, but it's not enough.

"Please, I need more." You manage a whisper although you're unsure if Wanda heard you.

"I've missed you so much, Y/N." You feel her say against your pussy. "I've missed making you feel good. Missed feeling this way with you..."

What way? You want to ask, but your brain is too muddled with lust to care.

You could only grunt in reply, before Wanda is pulling away in order to arrange your position on the sofa. You've almost forgotten how physically strong she is, and it turns you on so much, you nearly peak. Wanda grabs both of your ankles and pushes them back, until they're on either side of your head, near your ears. Heat spreads across your face and down to your neck for being exposed like this. Wanda takes a moment to appreciate the mess she's made between your legs, her teeth digging at her lower lip. You can't bring yourself to watch her watch you, and you stare at the same spot before you feel her lift your chin to kiss you in the most delicate way.

"I love you." She murmurs against your lips. Every fiber of your being is ablaze as you take in the smallest details of this moment: your taste that you two shared in a kiss, the mingling scent of your arousal and hers, the endearing sweat on Wanda's brow that's making her more desirable than any lingerie could ever. You'd never admit it to Wanda, but sex was something you only learned to want and need when you fell in love with her.

You smile up at her. "I love you. More than you could ever know."

Her face crumples in an aching manner, but before you can register what that means, Wanda has crawled back to the source of your pleasure and takes your clit in between her lips. She starts sucking at it gently, while her hands work their way to your buttocks and then spread your ass cheeks. In this way, both of your holes are exposed to the air, sending a chill down your spine and threatening to make you come any time soon.

A finger experimentally prods at your other entrance, making you whimper as your slick continues to brim in your cunt hole.

"Wands, gonna cum," you moan as you hold onto the edge of the sofa for dear life. Wanda ignores your warning and continues rubbing at your crimp hole, while her tongue quickens its laps against your clit. It doesn't take a few more seconds before you're bursting, and Wanda plunges her tongue into your pussy at precisely the second you start to come so you don't clench around nothing.

Soon enough, the tremors subside and Wanda wipes her mouth before she gives you a searing kiss.

You're still catching your breath when Wanda lays her head on your chest so innocently, as if she hasn't just given you the best orgasm of your life. You wait a few more seconds for your heart rate to go back to normal, and once they do, it’s only then that you notice that Wanda's still in her pajamas, fully clothed.

That needs to be rectified. Immediately.

Without a word, you get up with Wanda still on top of you. You make her wrap her arms tighter around your shoulders as you bring yourself into a standing position while she clings to you like a koala. Wanda laughs at your attempt to hold her up steadily, simultaneously impressed that you actually can.

"I've been going to the gym whenever my lovely wife's stuck at professoring ." You snicker at your own terrible wordplay, as you plant your feet firmly on the floor.

You miss the shadow of guilt that passes over her fleetingly. "I can see that," she says, biting her lip as she feels your straining biceps. You grin up at her, before carrying her upstairs as steadily as you can while she distracts you with kittenish nibs at your earlobe.

Once in the bedroom, you lay Wanda gently on the bed, your movements slow and delicate as if one wrong move could ruin everything. You start to undo the buttons of her silky top, holding her gaze with a look of adoration typically reserved to deities. It's only fitting because Wanda Maximoff is your religion.

"Wait, can you–" she glances at the night table to your right, and you understand right away what she wants. You quickly retrieve the flesh-colored strap-on at the bottom most drawer. And as you start putting on the harness, Wanda leans forward to capture a dusky nipple, effectively sidetracking you from the task at hand.

"Baby, just a sec..." You chuckle at her apparent neediness. Between the two of you, it's Wanda that's been more in-touch and expressive with her carnal needs. More exciting. More daring. More adventurous. She's always been more in everything, and you sometimes wonder if she's weary of leading the wallflower to the dancefloor all these years.

"Hurry." Wanda whines, her teeth nipping hard enough to play the line between pain and pleasure.

As soon as the harness is secured around your hips, you push Wanda back onto the mattress. You hook one of her creamy thighs over your shoulder, holding it firmly while your other hand aligns the tip of the toy to her slit. Pressing a languid kiss to her knee, you start moving your hips to brush your cock along the length of her drenched sex. Wanda moans lowly and unabashedly, and you feel yourself getting wet again.

"Fuck, baby, inside..." Wanda mewls, her hands traveling downwards to massage her own clit. You grunt in protest and seize her hand, interlacing your fingers together to prevent her from touching herself. Increasing the rhythm of your hips but still not entering her, you give her a warning, “ I make you cum.” It’s not like you to engage in any sort of powerplay in the bedroom, and yet you couldn’t help but let out some of the resentment that has built over the last few weeks through the sex you’re having with her now.

Besides, Wanda seems to love it. You look down just in time to see her wetness trickle down to the sheets. You groan loudly from the visual and roughly position her to lie sideways. You keep the thigh over your shoulder secured, while you straddle the other one. Moisture begins to form at the back of your neck, muscles straining to hold this position. Wanda’s face reddens as you stare at her weeping cunt, before her eyes roll to the back of her head as you unceremoniously enter her in one, powerful thrust.

“Fuck!” Wanda cries through gritted teeth, her French-manicured nails digging painfully between your knuckles. Unlacing your bruised fingers from her, you then wrap them around her throat. You’ve never done anything like this in bed before, and you watch in twisted satisfaction as Wanda’s lust-filled eyes widen in shock and slight panic. The way you're grinding into her is viciously savage, callously chasing your own high. Wanda tips her head back as far as she could, her chin pointing to the heavens as she experiences an other-worldly kind of pleasure.  Your thighs grow slicker from your shared arousal, the stench from it filling your nostrils. Her hips try to match your tempo and an animalistic sound rips from your throat as your movements become more and more frantic.

"Shit, baby, I think I'm gonna–"

"No." You lightly squeeze around her neck.

"Please," Wanda sobs in frustration, staving off her impending release. You pay no heed to her request as you slow down your motion to keep her on the edge.

"Say it again." You demand.

"W-what?"

"Say you love me."

"L-love you..." The length of your spine curves as you bend forwards, pushing Wanda's thigh back in the process and opening her up even further.

Wanda whimpers at the new angle you're fucking her with wild abandon. "Jesus, Y/N. I can't-"

"One more time. Say it." You plead against her mouth, increasing the speed of your thrusts again, but this time you’re determined to finish her off.

With a sharp cry, Wanda clenches around your cock and comes, screaming those three fated words that are simultaneously your salvation and your undoing. You try to prolong her orgasm, alternately pausing and then jogging your hips, studiously watching her facial reactions and loving the subtle twitch of muscle in her jaw. A couple of tears run down her cheeks, and you lick them gently from her face. Letting go of her delicate neck, you run a free hand across her back, gathering beads of sweat along the way. Without pulling out of her, you drop her thigh on your shoulder with great care, before pressing your lower body down so that your pelvis is snug against hers. Wanda grabs your face with both hands and pulls you down for a searing kiss.

You release her lower lip with a wet pop and then like an eager puppy, starts peppering her face with featherlight kisses, making Wanda laugh and squirm in your arms. "You're cute," You tell her. "And so damn hot. How is that possible?"

Wanda blushes, overwhelmed by the ferocity in your words and in your eyes. She starts jogging her hips as your kisses become more insistent, but then an idea hits you. Embarrassingly, you've never done this with Wanda before, but this time feels as good as any to finally try it. Wanda shivers as you unsheathe your cock from her pussy, leaving a thread of wetness across her inner thighs. Afterwards, you remove the harness and place the drenched toy somewhere on the floor. Wanda pulls you back on top of her, a sleepy and satisfied grin on her face. She's prepared to call it a night when she feels your hand wandering back to the still feverish spot between her legs.

"What are you doing?" She asks coyly.

Instead of replying, you merely continue to trail south until your fingers find her slippery nub. Wanda gasps, back arching and eager for more. "Lie on your stomach and stick your ass up in the air for me." You whisper in her ear, and she obeys without a second thought. Abandoning her clit for a second, you crawl towards the foot of the bed, until your nose is a trifling inch from your wife's firm buttocks.

"Are you ready?" You husk, planting your chin at the base of her spine.

Wanda is almost convulsing in anticipation, and barely manages a nod. Heart beating wildly in your chest, you spread Wanda's cheeks with your thumb to reveal her puckered entrance. When Wanda finally understands what you’re about to do, her head whips over to look at you, but she doesn’t quite meet your eyes.

“Y/N?” Her voice is muffled by the pillow, small and unsure. You massage the back of her thighs to calm her down.

“I want to if you do.” You tell her sincerely. Wanda appreciates your touches staying in safe zones, making her feel safe and secured.

“It’s just… it’s been hours ago since I showered, it's dirty and I don't want to gross you out-”

“That’ll never happen,” You promise. “Whenever you were snotty from crying over your exes, all I could think about then was kissing you. I'd never not want you, Wanda.”

“Okay.” Wanda murmurs softly, shifting back closer to you. “I’m ready.”

“Good girl.”

You place a pillow beneath her stomach so she can comfortably prop herself up. Wanda’s breathing picks up when you part her cheeks again. This time, there’s no hesitation or wasted second as you lick a stripe from the entrance of her cunt to the rim of her backdoor.

“Да, да, детка!” Wanda yelps in her native language, impossibly turning you on even more. You could count on one hand the few occasions you’d been able to reduce her to a Sokovian mess, making her feel so good she forgets her English. Wanda's flavor there is different, more pungent and oh-so delectable.

"детка, I need-"

Wanda doesn't get to finish her sentence. Knowing exactly what she needs, you plunge your middle and ring fingers inside her wet heat. You feel her anus contract against your tongue, and you take it as a cue to enter her with it. Wanda thrashes violently on the bed and tries to move away from the intense pleasure that's bordering on pain. Eventually, you find the perfect cadence of plunging your tongue into her tight crevice every time you withdraw your finger from her pussy and vice-versa. Wanda, on the other hand, finds herself wantonly humping the pillow, practically grazing her tumescent nub.

All of it lasts a few more seconds before you feel Wanda's imminent little death. You stop moving your fingers to allow her to take over her own release, until finally, Wanda collapses on her stomach. You lick your fingers clean before wiping your mouth with the back of your hand. You pull the blankets up to cover both of your aching bodies, before settling beside your wife. Wanda automatically lays her head on your breast and throws an arm over your stomach. You kiss her sweaty forehead, and right before you are about to close your eyes, something wet hits your flushed skin.

"Wanda, hey," You search her face, your eyebrows creasing in worry. "Are you alright?"

She smiles through her tears, nodding. “I am now.”

Your own eyes glisten, a wave of relief passing over you. Right now, with the way Wanda's looking at you, it's like you're finally waking up from a long, terrible dream.

***

When Natasha finally calls, you’ve practically forgotten about hiring her to investigate Wanda.

You’ve had a perfect week with your wife. Things weren’t just back to normal, they were even better not only in the sexual aspect of things (though insatiable doesn’t even begin to describe Wanda nowadays), but you’ve been talking and doing things together more than ever.

“Hey, Y/N,” Natasha’s rough voice comes through.

“New phone, who’s this?” You try to joke.

“Hilarious, Y/N,” you hear her try to lighten up her tone, but for someone who used to work for the secret service, she’s terrible at hiding her emotions from you. “Listen, I’ve been meaning to call you since early this week. I just didn’t have the time…”

You’ve known Natasha longer than anyone in your life who’s not your parents. Wanda’s the love of your life, but Natasha’s your person. You understand each other beyond words and actions.

“Nat, what’s going on?” you ask.

“I saw them, Y/N. T-Two days after you asked me to… they went for a movie at a worn-down theater 3 miles from the university. I waited for them to leave and when they did–” Natasha hesitates to tell you how she’s seen them together. “I can’t tell if there’s–if she’s… I can just show you the photos.”

You don’t say anything for almost a minute, and Natasha waits for you quietly.

And then, “Is that all?”

Natasha draws in a long breath. “No.”

You pinch the bridge of your nose, feeling a headache coming. And then, like a man on trial waiting for their verdict, you nod to yourself and square your shoulders.

“Alright. Tell me everything.”

[tenaciousdragonmoon]

Kaz makes the world safer....by forcing the girl he owns to kill both good and bad men even when she doesn't want to - even when it's against her core values and religion. "he never hinted it was less a command to be obeyed"

Ahem, where to even start.

Oh I know, but let's adress it part by part shall we:

“girl he owns”

1. Six of Crows : chapter 3 :

“It had been a gut decision to pay off her indenture with the Menagerie, and it had cost the Dregs sorely.”

2. Six of Crows : Chapter 25 :

“Slavery is illegal in Kerch. Indentures are not. I know this contract is a sham and any thinking judge would, too. Unfortunately, Heleen has many thinking judges in her pocket. Per Haskell is offering you a loan – no more, no less. Your contract will be in Ravkan. You’ll pay interest, but it won’t break you. And as long as you pay him a certain percentage every month, you’ll be free to come and go as you please.”

So to clarify : Inej was forced into prostitution (simply put : underage rape) by Tante Heleen's Menagerie working as an indentured labour.

It was Kaz Brekker who recognized her talents, convinced Per Haskell to pay off her costly contract.

He then hires her, to work as a spy for the dregs. HIRES , I repeat. Which isn't completely freedom ofc but far beteer than the menagerie.

As as far as loans go, you'd know they have to be paid back with interest.

3. “He’d liquidated every asset he had, used the last of the savings he’d accrued, every ill-gotten cent.” : there you go the final bomb, crooked kingdom chapter 25

.............................................................

“forced the girl to kill both good and bad men, even when it goes against her core religion and principles ”

1. Yes, Inej did kill Van Daal in 2nd Chapter of Six of Crows: was she forced? Kaz wasn't putting a gun against her head, forcing her to kill the guard. In fact Kaz was in the shooting range. Inej killed the guard to avoid compromising their mission.

2. Other times she killed was to protect her crew (Kaz, Nina, Matthias, Jesper, Wylan) , to complete their heist and to protect herself.

..................................................................

Okay, hear me out. I’ve got a few more questions regarding this—I'm assuming from the same user? They mentioned that the power imbalance between Inej and Kaz is toxic and claimed that Kaz forced Inej to kill people (using the term “innocent men”). Here’s what I have to say:

1. It seems like you didn’t enjoy the book, and that’s okay. The morally grey themes it explores can be uncomfortable for many readers. I have nothing against anyone who doesn’t like this book; we’re all entitled to our opinions. That said, no one should force their perspective onto others.

2. Nobody is obligated to agree with the majority. Heck, even I don’t like certain things that are widely loved.

3. Personal preferences aside, I actually appreciate when people question the norm—it shows critical thinking. And that, my friends, is how we move forward as a society.

4. That said, if you’re going to make claims about a book, it’s important to back them up with specific citations. This ensures the discussion is grounded in the text and not just opinion.

5. Facts can be debated, but arguing about opinions is like going in circles. It’s pointless and exhausting.

6. I enjoy questions (I’ve always loved a good challenge), but what I don’t enjoy is when those questions turn into passive-aggressive jabs. Let’s keep things civil—it’s much more productive and enjoyable that way.

7. At the end of the day, we’re discussing a book. A fictional book. No book is perfect; all stories have flaws and plotholes. And we’re all allowed our own interpretations of the content.

8. As an asexual person, the dynamic between Kaz and Inej resonated deeply with me. It reflected a relationship where physical affection wasn’t the core foundation, and I saw myself in that. When I say this book is dear to my heart, I mean it wholeheartedly.

9. That said, I understand this duology isn’t for everyone. Believe me, I’ve often found myself on the other side of these kinds of debates.

Bottom line: Let’s be rational, respectful, and kind to each other. Disagreeing doesn’t mean we have to be unkind.

[t-lostinworlds]

hello! gosh, i honestly have no idea what else to do anymore. i've been such a huge ball of anxiety these pass few days and i feel like i've got no other choice ://

so, enrollment for the next semester is this Monday (in 4 days), and idk why my school decided to do it during this time when most ppl don't get paid until the last day of the month/next month. as if that isn't enough, enrollments are also on a time limit and now that we get to decide our own schedules, it's also a race on who gets the subjects first. and if you can't pay for a percentage of the tuition fee upfront, you're going to get delisted so you have to pick your subjects again. the later you enroll, the fewer timeslots. so i could end up having a 6-9pm which isn't safe for me in this city especially when i commute alone. even worse, our tuition for this semester is much higher for some reason and we weren't warned about it.

i can't ask for financial aid from my school yet bc it's required to have at least finished 1 year before you're able to. i'm still trying to look for student/personal loan options bc most i've seen so far require a monthly that i just can't afford rn and it only covers 1 term instead of a whole year so it's not really that sustainable :(( (i don't live in the US btw so it's not a "start paying when you graduate" thing. taking out a loan means i still need to pay monthly while in school on top of other expenses, which as you can imagine, feels more like a burden than it is helpful.) i've also tried looking for scholarships but most only support stem/business courses bc this country isn't nice to artists so that sucks.

i honestly have very little money saved and with the sudden increase in tuition, it's hard to cover half of it even with my parents' help. and again, nobody is getting paid until next month so money is already tight as is with it being the end of th month.

so long story short, i need some help. the first installment for the fee (converted from my currency) is about $600. BUT. NO PRESSURE. i'm only asking those who have extra to spare. and any and all amounts are welcome. it's already going to be such a huge help. hell, even just a simple reblog to boost this already helps a ton.

but also, my commissions are open! so if u want to have a lil story in exchange for just a tiny bit of help, that'd be great too <3

here's my kofi and my pypl

again, no pressure! even a smallest amount already helps a lot. and also, pls do reblog to boost. i really appreciate you! i hope you're having a wonderful day <3 don't forget to take care of yourself too. sending you wonderful people love always ❤️

tagging some mutuals under the cut for a boost bc sometimes this doesn't show up in the tags anymore (but also you don't have too!! you can ignore this if u want alskalks)

@selfcarecap @hollandsmoose @shellshocklove @tanaka-drew @agaritas @userholland @thecodyexpress @annab-nana @hollandweather @annathesillyfriend @cumholland @jasntodds @quethekillerqueen @worldoftom (ily guys, i hope you're all safe and well ❤️)

[tobiasdrake]

Oh, by the way, while I'm on the topic of cars, let's talk about how dealerships screw you.

At one of my old jobs, I used to work for the Dealer Receivables department of a major auto lender. What's Dealer Receivables? Well, when a car gets repossessed, policies like the warranty, GAP, life insurance, etc. that got signed along with the car sale get cancelled. A percentage of what you paid into the warranty gets refunded to the dealer, based on how far along the policy was in its life. The dealer has to then pay that percentage back to the lender.

Dealer Receivables is a collections department whose job is to recover those funds that the dealership owes. Or to recover the entire portion if the dealership never filed the contract.

Yeah. Uh. That happens more often than you'd think. You give the dealer $800 for a warranty and $200 for GAP coverage for policies that are actually like $300 and $100 but the dealer is upcharging you with secret Dealer Fees so he can pocket the difference. And then, if he's feeling spicy, he never files the contracts anyway and pockets the entire thing.

This is an extremely common way for dealers to defraud their customers, one that customers often only find out about when they go to use those contracts and find out they don't actually have a warranty or GAP insurance.

But that's nothing compared to equipment variance. An entire subset of Dealer Receivables is for recovering money on equipment variance.

What is equipment variance? It's when the dealer upcharges you for equipment that isn't installed on your vehicle. Like. Every car has a sunroof, according to dealers.

If a lender repossesses your car, checks the contract, and finds out that there's stuff on the contract that isn't on the physical car, they go after the dealer for reimbursement. You don't get your car back. But the dealer has to pay the lender back for charging money for things that didn't exist.

Where I worked, we once repossessed a vehicle that had a lien of $25,000, with $15,000 of equipment variance on it. 60% of this person's loan was made up by a shady dealership. You know what? If all of that fraud wasn't in the contract, that person probably could have made their fucking car payments.

Nobody does anything about this. Lenders only care about it on repossession since it affects the car's resale value, and it's so normal that we have terms and processes for it. They just wag their fingers at the dealer and demand a cut of the ill-gotten gains.

We all know dealers are shady, but we only really think about it in terms of how the dealer might lie to you. The real money, however, is in lying to the bank about you, in paperwork they try very hard not to let you see.

Talk to your lender. Talk to the people you think are covering your policies. Demand to see the equipment list before you sign the paperwork. Make sure you're not going to spend the next six years paying for imaginary add-ons the dealer didn't tell you about.

[qqueenofhades]

Do you have any idea where all the money in education IS going? People talk about administrators, but their percentage of the overall budget seems lowish? Facilities are expensive, but often paid for with bequests, no? Where the hell is all the money going?

The same place it's going in every other capitalistic American enterprise: to senior executives, endowments, and other places that decidedly do not "trickle down" (because you know, it never does). See my many previous posts about how college costs skyrocketed starting in the 1980s and post-secondary higher education was transformed from something in which most of the costs were governmentally subsidized to something expected to be paid (at higher and higher levels) either privately out of the consumer's pocket or from thousands of dollars in student loans. Because you guessed it, Reaganomics.

I can tell you one place it absolutely is NOT going, i.e. salaries of faculty and staff, at least in the less capitalistically sexy fields of study. The university where I work never hurts for money in the business and law schools, but because I am in the humanities/education/history, yeah, our department's budget is not in great shape. Of course, yes, COVID hit the higher-education sector like crazy (as it did everywhere else) and universities haven't figured how to recover from that, but just as with the rest of America, it's a model that is designed to funnel the vast majority of profits, i.e. from skyrocketing student tuition rates and other increased fees, to the highly compensated senior leadership and very little to the academics who do the work that makes the place, you know, RUN.

This is a bugaboo for both me and every other academic I know, because (again, just as with the rest of capitalism) it doesn't HAVE to be this way. I shouldn't be trying to manage a department that has to rely heavily on adjunct faculty every quarter and doesn't have a sustainable long-term scheduling or research model, because we're so badly understaffed with core tenure-track faculty and they won't let us hire any more, while constantly cutting our budget and giving us laughable raises (mine, after getting sterling performance reviews across the board, was a whole... 72 extra cents an hour. I wish I was joking). There is money tied up in the institution and the establishment (and as noted, I work at a well-regarded and highly-ranked private university, so it's not a matter of not having enough), but the system distributes it in a way that is inequitable and results in enforced scarcity, especially in the humanities. It's not that there isn't money to pay us fairly, it's just that they have chosen not to, because they exist in the same capitalist system as the rest of the west.

This is why there have been strikes by graduate and early-career academics in both the UK and US (I have worked/studied/taught in both places, and they're both BAD for paying lower-level academics and even established-career academics), because they simply do not pay us enough to live on or build a career on (by a long shot, ESPECIALLY if you're the only person in your household and don't have shared expenses with a partner/roommate/several roommates). This is after most of us have several advanced degrees and the debt resulting from such. We get burned out, we can't make a living in this field, we leave, and it's hollowed out even further. So. Yeah.

[ivan-fyodorovich-k]

I will be curious to read the vituperative denials of the validity of this article's analysis, which is pasted below the cutoff:

“Are you better off today than you were four years ago?” That question, first posed by Ronald Reagan in a 1980 presidential-campaign debate with Jimmy Carter, has become the quintessential political question about the economy. And most Americans today, it seems, would say their answer is no. In a new survey by Bankrate published on Wednesday, only 21 percent of those surveyed said their financial situation had improved since Joe Biden was elected president in 2020, against 50 percent who said it had gotten worse. That echoed the results of an ABC News/Washington Post poll from September, in which 44 percent of those surveyed said they were worse off financially since Biden’s election. And in a New York Times/Siena College poll released last week, 53 percent of registered voters said that Biden’s policies had hurt them personally.

As has been much commented on (including by me), this gloom is striking when contrasted with the actual performance of the U.S. economy, which grew at an annual rate of 4.9 percent in the most recent quarter, and which has seen unemployment holding below 4 percent for more than 18 months. But the downbeat mood is perhaps even more striking when contrasted with the picture offered by the Federal Reserve’s recently released Survey of Consumer

The survey provides an in-depth analysis of the financial condition of American households, conducted for the Fed by the National Opinion Research Center at the University of Chicago. Published every three years, it’s the proverbial gold standard of household research. The latest survey looked at Americans’ net worth as of mid-to-late 2022 and Americans’ income in 2021, comparing them with equivalent data from three years earlier. It found that despite the severe disruption to the economy caused by the pandemic and the recovery from it, Americans across the spectrum saw their incomes and wealth rise over the survey period.

The rise in median household net worth was the most notable improvement: It jumped by 37 percent from 2019 to 2022, rising to $192,000. (All numbers are adjusted for inflation.) Americans in every income bracket saw substantial gains, with the biggest gains registered by people in the middle and upper-middle brackets, which suggests that a slight narrowing of wealth inequality occurred during this time. In particular, Black and Latino households saw their median net worth rise faster than white households did—though the racial wealth gap is so wide that it narrowed only slightly as a result of this change.

A big driver of this increase was the rising value of people’s homes—and a higher percentage of Americans owned homes in 2022 than did in 2019. But households’ financial position improved in other ways too. The amount of money that the median household had in bank accounts and retirement accounts rose substantially. The percentage of Americans owning stocks directly (that is, not in retirement accounts) jumped by more than a third, from about 15 to 21 percent. The percentage of Americans with retirement accounts went from 50.5 to 54.3 percent, a notable improvement. And a fifth of Americans reported owning a business, the highest proportion since the survey began in its current form (in 1989).

Americans also reduced their debt loads during the pandemic. The median credit-card balance dropped by 14 percent, and the share of people with car loans fell. More significantly still, Americans’ median debt-to-asset, debt-to-income, and debt-payment-to-income ratios all fell, meaning that U.S. households had lower debt burdens, on average, in 2022 than they’d had three years earlier.

The gains in real income (in this case, measured from 2018 to 2021) were small—median household income rose 3 percent, with every income bracket seeing gains. But that was better than one might have expected, given that this period included a pandemic-induced recession and only a single year of recovery.

The picture the survey paints, then, is one of American households not only weathering the pandemic in surprisingly good shape, but ultimately also emerging from it in better financial shape than they were going in. And that, in turn, points to the effect of the U.S. policy response to the crisis: Stimulus payments, enhanced unemployment benefits, the child-care tax credit, and the moratorium on student-loan payments boosted household income and balance sheets, helping people pay down debt and increase their savings. In the process, these policies mildly narrowed inequality.

The U.S. government’s aggressive response to the pandemic, including Biden’s stimulus spending, also helped the job market recover all its pandemic-related losses—and add millions of jobs on top. The resulting tight labor market has been a huge boon to lower-wage workers. In fact, because the Fed survey’s income data end in 2021, it understates the income gains for the bottom half of the workforce, and the shrinking income inequality they’ve produced.

Hourly wages for production and nonsupervisory workers (who make up about 80 percent of the American workforce) rose 4.4 percent year-on-year in the third quarter of 2023, for instance, ahead of the pace of inflation. And this was not anomalous: Arindrajit Dube, an economist at the University of Massachusetts at Amherst, crunched the numbers and found that real wages for that same sector of workers are not just higher than they were in 2019, but are now roughly where they would have been if we’d continued on the upward pre-pandemic trend.

The reason for this is simple: Low unemployment has translated into higher wages. As a recent working paper by Dube, David Autor, and Annie McGrew shows, the tight labor markets of the past few years have given lower-wage workers more bargaining power than in the past, leading to a compression in the wage gap between higher-paid and lower-paid workers. Of course, that gap is still immense, but the three scholars found that the wage gains for lower-paid workers have rolled back about a quarter of the rise in inequality that has occurred since the 1980s.

So what should we take away from the Survey of Consumer Finances data, and from Dube, Autor, and McGrew’s work? Not that everything is fine, but that public policy and macroeconomic management matter a lot. Enhanced unemployment benefits, the child-care tax credit, the stimulus payments—these things materially improved the lives of Americans and helped set the economy up for a strong recovery. If the policy response had been less aggressive, the U.S. economy would be in worse shape now. This is something you can see by looking at Europe, where economies are growing far more slowly and unemployment is higher, while inflation is no lower.

Key to this story is the fact that lower-wage workers in particular would be worse off, because they have been among the chief beneficiaries of the low unemployment created by the robust recovery. It’s a useful reminder that stagnant wages are not an inevitable result of American capitalism: When labor markets are tight, and employers have to compete with one another for employees, workers get paid more.

So, even allowing for the high inflation we saw in 2022, no one could really look at the U.S. economy today and say that the policy choices of the past three years made us poorer. Yet that, of course, is precisely how many Americans feel.

Although that pessimism does not bode well for Biden’s reelection prospects, the real problem with it is even more far-reaching: If voters think that policies that helped them actually hurt them, that makes it much less likely that politicians will embrace similar policies in the future. The U.S. got a lot right in its macroeconomic approach over the past three years. Too bad that voters think it got so much wrong.

[notfinancialadvice]

"The feds cut the interest rate by 0.5% or as some people say 50 basis points what should I do?"

as per usual this isn't financial advice

it is... rambling

The thing you should do is look at anything that you are paying interest on -- loans, credit cards, mortgages, etc. -- and see if the rates go down.

Or if you don't mind opening up the ol' customer service email to your loan provider: "Will my interest rate be affected by the recent federal rate cut?"

If it is a "fixed interest rate" the answer will be "no"

If it is a "variable interest rate" the answer is "maybe" and depends on how much they want to keep your business (i.e. how difficult it is to go elsewhere).

They are not legally obligated to cut your rate, but, borrowing money just got cheaper, so if you can go elsewhere and they don't drop your rate, consider it.

Repeat: Consider it.

via

If you are borrowing $1,000 across 10 years with an interest rate of 6% you will pay $332.25 in interest across the life of the loan. This is (rounded) $33.23/year averaged.

If you are borrowing $1,000 across 10 years with an interest rate of 5.5% you will pay $302.32 in interest. This is (rounded) $30.23/year averaged.

For easy math, we'll say you took out the loan the day before, and refinanced the day after, the interest rate change took affect.

Original total interest: $332.25 minus New total interest: $302.32 equals A savings of: $29.93 across the life of the loan

That doesn't sound like much, right?

$29.93 / $332.25 = 0.09... = 9%. Borrowing money got 0.5% cheaper, you end up saving 9% across the total amount of your loan.

"Why wouldn't I do this? Why do you say consider it?"

Because changing loans often has fees.

Using the above example is a fee-less situation.

Depending on your loan, credit card, etc. you might have to pay a percentage or a flat fee (or both). This is especially common in credit card balance transfers -- so saying, it's frequently capped... so... unfortunately you have to do math.

Play with this site.

I am not affiliated with this site in any way, shape, or form.

I know.

It's a lot of math.

Credit cards are (often) a good thing to refinance via balance transfer. It can affect your credit because it gets pulled for the new card, so be careful about that. Also, as always, watch out for fees.

Personal loans, similarly so.

Mortgages are trickier because the complex structures, but it's worth looking into.

Student loans (frequently) are "Federal interest rate + X%" so will float down naturally, but it's always good to check.

"Should I use the extra cash saved to pay off my loan faster or save it?"

Really, really, really common and equally complex answer.

Start with "how good is your emergency savings?" Then "will the extra cash noticably improve your day-to-day or other financial goals?"

Assuming not, and you want to pay down the loan faster because that will help your goals more

Using the same site as above, but switching to mortgage calculator because that has a "pay extra towards" box

Original monthly payment: $11.10 New monthly payment minimum: $10.85 Difference: $0.25

I don't know this show so I hope these people aren't bastards. I'm hoping my context of "This can be handled" is coming across.

So you say "my minimum payment is $10.85, but I'm going to keep paying the original pre-fed cut of $11.10 anyway. I am paying $0.25+ monthly."

You would pay off the loan about 3 months early and save $9.64 in total interest (about 3.19% less total interest on the entire loan).

This may or may not be significant, Depending On Your Actual Numbers.

Your final task is to figure out what will help you live your best life -- paying a loan off slightly faster and cheaper, or doing something else entirely.

It is so tempting to say "I NEED TO PAY OFF LOANS AS QUICKLY AS POSSIBLE" because debt is (frequently) seen as having some sort of moral structure assigned to it.

"Good debt versus bad debt" etc.

...end this in your mental thinking as quickly as possible. Do not allow money to have a moral or ethical stance. It is a social force. Declaw it in your mind.

The usage, hoarding, acquiring, whatever of money -- sure, give that a value if that fits into your worldview -- but money as a social force is as neutral as gravity is a universal force.

When considering your debt, look at the cost.

It should be serviced as cheaply as possible in the best possible terms you can get.

When you reconfigure the loan to a new structure and now have less of a resource drain, you are not better as a person because you were not worse before.

You get to re-do the thoughts, "I have +X resources now. How can I use them to build my life?"

That's it.

As always, this ramble is brought to you by a lifetime of having to fucking figure out the world of money, business, etc. myself and I am pissed off by it and the resolution of that anger is spreading information as possible

I did not have a mentor.

I hope you do.

I am not your mentor.

I do not mentor people. I am ill equipped from a personality standpoint.

But hopefully this inane rambling will help answer questions until you get one, assuming you want one.

:-)

[astroyongie]

Do the sponsors always get such a big percentage of the idols earnings? Getting all the fruits of their hard work for some dumbass connections that most people can get them. Imagine working so hard every day of your life for most of the money people pay for YOU to mostly go to other people company sponsors whatever… awful

Thé pourcentage Will depend on the contract.

Honestly that’s how business and marketing works 🤷🏻‍♀️ I personally don’t think it’s excessive since idols rely on sponsors a lot. Most of have use sponsors to pay their trainee loans, or help them being promoted and chosen inside the companies. It’s sponsons who get them endorsements, opportunities, promotions ect. An idol that is a singer and suddenly gets this opportunity on acting doesn’t come from their work but thanks to the sponsors.

A sponsor can live without an idol. But an idol can’t survive without a sponsor inside the industry.

And a sponsor doesn’t receive everything the idol does. They only receive on what they sponsor on