#process of getting home loan

[poojalate]

A Step-by-Step Process of Getting a Home Loan

Securing a home loan can be a significant step toward owning your dream home. The process, however, can be complex and requires careful planning and understanding. Here’s a step-by-step guide to help you navigate the process of getting a home loan:

1. Assess Your Financial Situation

Check Your Credit Score: Your credit score is one of the key factors lenders consider. A higher score can help you secure better interest rates.

Evaluate Your Income and Expenses: Determine how much of your income can go towards EMI payments without straining your budget.

Save for a Down Payment: Most lenders require a down payment, typically 10-20% of the property value. The larger the down payment, the lower the loan amount.

2. Research Home Loan Options

Compare Lenders: Different banks and financial institutions offer varying interest rates and terms. Use online tools to compare lenders.

Fixed vs. Floating Interest Rates: Decide whether a fixed interest rate, which remains the same throughout the loan tenure, or a floating rate, which fluctuates with the market, is better for you.

Loan Tenure: Consider the length of the loan. A longer tenure means smaller EMIs but more interest paid over time.

3. Check Your Loan Eligibility

Use an Eligibility Calculator: Input your financial details into a loan eligibility calculator to estimate how much you can borrow.

Understand Lender Criteria: Lenders consider your income, employment stability, age, and existing financial commitments when determining eligibility.

4. Gather Necessary Documentation

Identity Proof: Passport, Aadhaar card, voter ID, or PAN card.

Address Proof: Utility bills, rental agreement, or passport.

Income Proof: Salary slips, bank statements, and income tax returns.

Property Documents: Sale deed, NOC from the builder, and other relevant property papers.

5. Apply for the Home Loan

Online or In-Person Application: You can apply online through the lender’s website or visit a branch to submit your application.

Fill Out the Application Form: Provide accurate details about your income, employment, property, and other required information.

Submit Documents: Upload or submit the necessary documents as requested by the lender.

6. Loan Processing and Verification

Processing Fee: Pay a non-refundable processing fee, which may be a fixed amount or a percentage of the loan amount.

Document Verification: The lender will verify your submitted documents and may ask for additional information if needed.

Credit Appraisal: The lender assesses your creditworthiness by reviewing your credit score, repayment history, and financial stability.

7. Property Valuation and Legal Check

Property Valuation: The lender appoints an independent valuer to assess the market value of the property.

Legal Check: The lender’s legal team examines the property documents to ensure there are no legal disputes or issues.

8. Sanctioning the Loan

Loan Approval: Once all checks are complete, the lender issues a sanction letter detailing the loan amount, interest rate, tenure, and other terms.

Review Terms: Carefully review the terms of the sanction letter, including any hidden charges or fees.

Accept the Offer: If satisfied with the terms, sign the acceptance copy and return it to the lender.

9. Disbursement of the Loan

Disbursement Request: Once you’ve signed the acceptance letter, you can request the disbursement of the loan.

Disbursement Mode: The lender typically disburses the loan directly to the seller or builder in case of a new property, or to you if it’s a balance transfer or self-construction.

Disbursement Conditions: The lender may release funds in installments, particularly for under-construction properties.

10. Repayment and EMI Management

Set Up Auto-Debit: Link your bank account to ensure timely EMI payments.

Prepayment Options: If possible, make prepayments to reduce the loan tenure or the total interest payable.

Monitor Your Loan: Regularly review your loan statement and keep track of interest rate changes, especially if you have a floating-rate loan.

Conclusion

Getting a home loan involves a series of steps, from assessing your financial situation and researching options to applying and managing repayment. By understanding each step and preparing accordingly, you can navigate the process smoothly and secure a loan that best suits your financial needs and home-buying goals.

[what-even-is-sleep]

Can’t wait for my drivers license to arrive so I can be driving legally again for the first time in 1.5 years!

[crimmson]

between my computer deciding to rebel, and work, and life, and I feel like I have a perpetual minor cold with that kinda slightly stuffy feel and that taste in the back of my throat,

I am kindly requesting someone to just Old Yeller me at this point

[kimuramasaya]

just submitted a payment to pay off all of my student loans I feel sick

[ghostboyjules]

pile 'a clothes in front of me... need to fold 'em, but good GOD at the sheer amount of things that I would rather do...

halfway through thinking abt this post I realized my adhd meds have worn off and that's why I feel like a Sim who's moodlet thingies are all in the red 💀💀

[mtcremovalsposts]

Comprehensive Mortgage Advice for First-Time Buyers

Understanding Mortgages

When it comes to purchasing your first home, understanding mortgages is crucial. A mortgage is a loan that you take out to buy a property. It's important to consider your budget, credit score, and financial stability before applying for a mortgage. Research different types of mortgages, such as fixed-rate and adjustable-rate mortgages, to determine which option is best for you.

[catchrupeefinance]

How to get top up loan: Avail Top up on home loan , personal loan at the lowest interest rates. Top Up Loan Eligibility, Top Up Loan Benefits from SBI, HDFC & other Banks. Know More!

[the-cimmerians]

Vice President Kamala Harris announced this week that the Biden administration is looking to lessen the burden medical debt has on people by purging it from their credit report. This means that even if people have piles of medical debt — one in five Americans say they do — it’s not going to affect their ability to get a mortgage or a car loan. So they will at least have a place to rest their head and a car they can drive to work every day while paying off their medical bills.

Via AP:

Harris said that would make it easier for them to obtain an auto loan or a home mortgage. Roughly one in five people report having medical debt. The vice president said the Consumer Financial Protection Bureau is beginning the rulemaking process to make the change. The agency said in a statement that including medical debt in credit scores is problematic because “mistakes and inaccuracies in medical billing are common.” “Access to health care should be a right and not a privilege,” Harris told reporters in call to preview the action. “These measures will improve the credit scores of millions of Americans so that they will better be able to invest in their future.”

It only seems fair that high medical bills for an emergency or serious illness shouldn’t affect one’s credit rating anyway. It’s not like we’re talking about someone irresponsibly dropping several grand at Versace and then never paying off the credit card bill. Fifty-seven percent of Americans could not afford a surprise $1000 emergency, so the inability to pay off massive amounts of medical debt is hardly a fair reflection of an inclination to default on normal payments — payments you can budget for — on something like a mortgage or auto loan. “Way to be irresponsible by getting cancer, lady! You should definitely be punished for that by not being able to find any place to live!” seems pretty harsh, no?

[astrobiscuits]

Chiron persona chart obs

WARNING: BRIEF MENTIONS OF ED, S*ICIDE, S*XUAL AB*SE. I HIGHLY RECOMMEND NOT TO READ THIS POST IF YOU'RE VERY SENSITIVE thank you

Stelliums show us where our main trauma or wound lies:

Stellium in Aries/1st house - body image issues/body dysmorphia, hating ones face and wanting to change it at all cost, being so focused on ones trauma that it results in excessive independence

Stellium in Taurus/2nd house - self worth issues, hating ones voice and/or being made fun of for how ones voice sounds, excessive shopping due to fear of having nothing, having stash of cash hidden everywhere in the house due to being scared of getting robbed

Stellium in Gemini/3rd house - being too scared to speak to others, hating the way you express yourself, being an overachiever at school due to fear of being seen as "stupid", fear of being run over by a bicycle or a car

Stellium in Cancer/4rd house - family problems (divorced parents, one of the parents is out of the picture for whatever reason, family members dealing with addictions, family abuse), issues when it comes to comforting yourself in times of crisis, HEAVY abandonment issues

Stellium in Leo/5th house - had to grow up too fast instead of enjoying childhood, fear of not being "the perfect parent", fear of not making it in the industry (for those pursing creative careers or following their passions), issues regarding getting pregnant and delivering a child, fear of being burned by the sun or by fire

Stellium in Virog/6th house - fear of contacting an incurable disease, issues regarding eating disorders, trauma regarding messy spaces, which results in OCD

Stellium in Libra/7th house - issues caused by getting cheated in a relationship, fear of trusting someone in a one-on-one connection, trauma resulted from business affairs which have gone wrong

Stellium in Scoprio/8th house - fear of death, issues caused by sexual trauma/sexual abuse, grooming, stalking, human trafficking, mysterious disappearances, divorce, taxes, loans

Stellium in Sagittarius/9th house - fear of not being able to experience everything one has always wanted, issues caused by not living to ones full potential, fear of travelling too far away, religious trauma

Stellium in Capricorn/10th house - fear of being forgotten and not standing out, issues regarding not looking & acting in a professional manner when needed, fear of not being promoted in ones career, the trauma is very visible to the public

Stellium in Aquarius/11th house - fear of not fitting in a crowd or a friend group, issues regarding being part of LGBTQ+ or a subculture often dismissed (POC, people with disabilities, orphanage kids, emos), trauma related to the country's government and (possible) implications in war, fear of dying in a natural disaster (earthquake, tsunami, volcano), fear of dying by electrocution or in an airplane crash

Stellium in Pisces/12th house - fear of being admitted to a prison, asylum or nursing home, having frequent thoughts of unaliving onself, fear of drowning, fear of what happens after death, fear of being misunderstood or made fun of for hearing voices and seeing things which aren't real

Moon shows us how we process our trauma and wounds:

Moon in Aries/1st house : screams, throws things around (maybe also breaks a few things), if anyone reminds them of their wounds/traumas, they'd literally break that person's neck; they might recklessly drive, play with fire or drink excessively out of anger

Moon in Taurus/2nd house : resorts to retail therapy, cooks their favourite meals, gets some comfy pillow and blankets and watches their favourite show; they're slow to heal their wounds, but they manage to do so

Moon in Gemini/3rd house : overanalyzes what happened to the point that they've thought of every scenario possible, (if they have more than one wound/trauma) switches between wounds, is usually open about their wounds and traumas with siblings and acquaintances

Moon in Cancer/4th house : cries 24/7, acts distant with people who are not close to them and defensive with those who want to talk about their feelings; they tend to have very, very unhealthy coping mechanisms (aka they resort to self-harm)

Moon in Leo/5th house : transforms their pain & wounds into a form of art - whether it's through dancing, painting, singing, acting, photography, videography; sometimes they might not recognize how much their past affects them, especially around others, they boast about how "it wasn't that bad" even though they're clearly affected by what happened

Moon in Virgo/6th house : focuses on the details, what they could have done better and what they didn't, easily becomes anxious, cleaning the house becomes a form of therapy for them; in case of physical wounds, they document themselves very well (sometimes they are even able to heal themselves, since this Moon sign in Chiron persona chart has a sort of 6th sense about medicinal procedures)

Moon in Libra/7th house : their s/o knows every pain, wound and traumas they've ever experienced, analyzes the past in a logical manner and tries to find a healthy coping mechanism, without hurting anyone else in the process; listens to sad, romantic songs

Moon in Scorpio/8th house : if someone else is guilty for their wounds/traumas, they're going to plot revenge and execute their plan in a discreet manner; often jealous, they might pursue fwb connections to stop thinking about their pain; the ones who manage to deal with their past in a healthy manner become a completely different person in the process

Moon in Sagittarius/9th house : dealing with their wounds/traumas opens a new world for them, they end up adopting a new set of beliefs as a coping mechanism, travelling to another country to get some space from their surroundings helps them heal

Moon in Capricorn/10th house : replays the past over and over again, they numb their emotions, if asked about their wounds/traumas, they answer very stoic; they also tend to be more realistic and don't like to tell themselves lies or hear lies about their trauma

Moon in Aquarius/11th house : resorts to technology to cope with the pain, is usually open about their wounds and traumas with their friends or on social media, but not with family; they might try some unusual coping mechanisms

Moon in Pisces/12th house : they isolate themselves from everyone in order to cope with the pain, meditation and breathing techniques are their to-go methods of calming their anxiety down; if they don't manage to cope in a healthy way, they dissociate and go through a depersonalization process or an addiction takes over them (drinking, smoking, they overuse medication etc.)

Jupiter shows us where we're blessed, but fail to see. The stronger the modality, the more obvious it is to other people.

♃ Jupiter in fixed signs (Taurus, Leo, Scorpio, Aquarius) and/or fixed houses (2nd house, 5th house, 8th house, 11th house) are extremely blessed and everyone is able to notice, but the native.

♃ Jupiter in cardinal signs (Aries, Cancer, Libra, Capricorn) and/or cardinal houses (1st house, 4th house, 7th house, 11th house) are blessed, but only a specific category of people notice it.

♃ Jupiter in mutable signs (Gemini, Virgo, Sagittarius, Pisces) and/or mutable houses (3rd house, 6th house, 9th house, 12th house) are still blessed, but the effect is hardly noticeable to anyone.

Those with:

Grand Trine/Kite/Yod (Finger of God)

Sun, Jupiter, North Node and ruler of the chart conjuncting MC and/or placed in 10th/11th house (minimum 2 placements)

Stellium in 10th house/11th house

-> have got amazing healing abilites and often end up pursuing careers where they help & heal society (usually as doctors, therapists, spiritual advisors, social workers, advocates who actually make a difference, etc.) They usually become famous for their healing gifts.

Other small considerations:

Ascendant shows us how we are perceived at first glance when we are dealing with pain

IC shows us how we are perceived by our family (or in a safe, secluded place) when we are dealing with pain

DSC shows us how we are perceived by our partner or best friend when we are dealing with pain

MC shows us how we are perceived in public (or in our career) when we are dealing with pain

North Node shows us our salvation (where we need to focus on in order to heal)

🕊 Sun trine Moon & Sun sextile Moon individuals have an easier time healing their traumas and wounds

🕊 Sun opposite Saturn & Sun square Saturn individuals feel the need to rebel from their father/grandparents, norms that have been imposed on them, old customs & traditions, institutions/government, in order to heal themselves

[batboyblog]

Things Biden and the Democrats did, this week #14

April 12-19 2024

The Department of Commerce announced a deal with Samsung to help bring advanced semiconductor manufacturing and research and development to Texas. The deal will bring 45 billion dollars of investment to Texas to help build a research center in Taylor Texas and expand Samsung's Austin, Texas, semiconductor facility. The Biden Administration estimates this will create 21,000 new jobs. Since 1990 America has fallen from making nearly 40% of the world's semiconductor to just over 10% in 2020.

The Department of Energy announced it granted New York State $158 million to help support people making their homes more energy efficient. This is the first payment out of a $8.8 billion dollar program with 11 other states having already applied. The program will rebate Americans for improvements on their homes to lower energy usage. Americans could get as much as $8,000 off for installing a heat pump, as well as for improvements in insulation, wiring, and electrical panel. The program is expected to help save Americans $1 billion in electoral costs, and help create 50,000 new jobs.

The Department of Education began the formal process to make President Biden's new Student Loan Debt relief plan a reality. The Department published the first set of draft rules for the program. The rules will face 30 days of public comment before a second draft can be released. The Administration hopes the process can be finished by the Fall to bring debt relief to 30 million Americans, and totally eliminate the debt of 4 million former students. The Administration has already wiped out the debt of 4.3 million borrowers so far.

The Department of Agriculture announced a $1 billion dollar collaboration with USAID to buy American grown foods combat global hunger. Most of the money will go to traditional shelf stable goods distributed by USAID, like wheat, rice, sorghum, lentils, chickpeas, dry peas, vegetable oil, cornmeal, navy beans, pinto beans and kidney beans, while $50 million will go to a pilot program to see if USAID can expand what it normally gives to new products. The food aid will help feed people in Bangladesh, Burkina Faso, Burundi, Chad, Democratic Republic of the Congo, Djibouti, Ethiopia, Haiti, Kenya, Madagascar, Mali, Nigeria, Rwanda, South Sudan, Sudan, Tanzania, Uganda, and Yemen.

The Department of the Interior announced it's expanding four national wildlife refuges to protect 1.13 million wildlife habitat. The refuges are in New Mexico, North Carolina, and two in Texas. The Department also signed an order protecting parts of the Placitas area. The land is considered sacred by the Pueblos peoples of the area who have long lobbied for his protection. Security Deb Haaland the first Native American to serve as Interior Secretary and a Pueblo herself signed the order in her native New Mexico.

The Department of Labor announced new work place safety regulations about the safe amount of silica dust mine workers can be exposed to. The dust is known to cause scaring in the lungs often called black lung. It's estimated that the new regulations will save over 1,000 lives a year. The United Mine Workers have long fought for these changes and applauded the Biden Administration's actions.

The Biden Administration announced its progress in closing the racial wealth gap in America. Under President Biden the level of Black Unemployment is the lowest its ever been since it started being tracked in the 1970s, and the gap between white and black unemployment is the smallest its ever been as well. Black wealth is up 60% over where it was in 2019. The share of black owned businesses doubled between 2019 and 2022. New black businesses are being created at the fastest rate in 30 years. The Administration in 2021 Interagency Task Force to combat unfair house appraisals. Black homeowners regularly have their homes undervalued compared to whites who own comparable property. Since the Taskforce started the likelihood of such a gap has dropped by 40% and even disappeared in some states. 2023 represented a record breaking $76.2 billion in federal contracts going to small business owned by members of minority communities. This was 12% of federal contracts and the President aims to make it 15% for 2025.

The EPA announced (just now as I write this) that it plans to add PFAS, known as forever chemicals, to the Superfund law. This would require manufacturers to pay to clean up two PFAS, perfluorooctanoic acid and perfluorooctanesulfonic acid. This move to force manufacturers to cover the costs of PFAS clean up comes after last week's new rule on drinking water which will remove PFAS from the nation's drinking water.

Bonus:

President Biden met a Senior named Bob in Pennsylvania who is personally benefiting from The President's capping the price of insulin for Seniors at $35, and Biden let Bob know about a cap on prosecution drug payments for seniors that will cut Bob's drug bills by more than half.

[barefoot-joker]

Snake in the Garden Pt 4~ Yandere!Lucifer X Reader

Hey, guys! Welcome to Snake in the Garden Part 4! In this chapter we meet a few new characters, so I hope I got their personalities right. I do hope you all like the new chapter as I had a lot of fun writing it. As always, enjoy and I hope you have a great day/night!

Words: 2395

Warnings: Swearing

Part 1 Part 2 Part 3

I heaved as I ran through the streets of Hell. I couldn’t get enough air to my lungs and my legs were growing weary of the journey. However, I kept my eyes on the marquee and just kept going. You’re almost there, Y/n! Come on! Soon you’ll be free!

I didn’t take the time to look at the demons surrounding me but my ears caught all of the screams, moans and conversations as I passed. A couple of times I was grabbed at, but I just shoved them away and continued my trek. When I reached the gate of the hotel I stopped to catch a breather, my hand grasping the iron bars to steady myself. I looked back from where I came, the palace a tiny speck in the distance. I wanted to pat myself on the back but I knew I wasn’t in the clear. Until I was back home Lucifer could rear his head at any moment. Speaking of the Devil, I wondered how long it would be till he noticed I was gone.

Taking in a few more breaths, I walked up the cobblestoned hill to the front door. The marquee shone a bright red and I felt like I was bathed in blood. Stopping at the front door, I marveled at how intricate it was. The stained glass formed a circus tent pattern and the rim held a golden tint to it. Bringing my hand up, I knocked on the glass, a knot forming in my stomach. What if all this work was for nothing? Would the Princess even listen to my case?

I didn’t have much time to think when the door opened. In front of me stood a tall, lean man dressed all in red. Among his red and black hair, black deer antlers stood and what I assumed to be his ears straightened in surprise. His red eyes felt different compared to Lucifer’s, his feeling more sinister. His grin seemed to grow wider as he looked me up and down. “Hello, my dear. Welcome to the Hazbin Hotel. I’m Alastor, the hotel’s facility manager. How can I be of-”

I rushed past him and slammed the door shut, my nails digging into the golden wood. “-service to you?”

I spun around to face him, my eyes blown wide in panic. “I need to speak to Charlie! Please, it’s an emergency!”

I clasped my hands tight in prayer and tried to make myself look as vulnerable as possible. “Charlie isn’t here at the moment, I’m afraid. She’s out on some business with Vaggie. The two of them should be back soon though.”

I groaned and hung my head in despair. How long will she be gone?

I lifted my head back up and let out a slight shriek at how close the deer man was. He was practically on top of me, our noses almost touching. “Though I could speed along the process if I was told what constitutes an emergency.”

I hadn’t noticed it before but as the man spoke his voice held a static to it, almost like an old radio. “Listen, Alastor was it? I don’t feel comfortable sharing that with you.”

“Hmm. I guess you’ll just have to wait then. Husker, make this sinner feel at home.”

I looked to the left and saw a bar that looked way too out of place. Blue boards made up the walls and floor while the dark oak bar top sat in the middle. The cat demon, Husker, looked up from drying a glass and sighed. Alastor wrapped his arm around my shoulder and dragged me over to the bar, shoving me at a stool. I sat on top of it and gulped as the radio man kept eyeing me from his post nearby. “What’ll you be havin’?”

“Oh, um, a water is fine.”

“Not much of a drinker, eh?”

“No. Besides, I don’t really drink around strangers.”

Husker shrugged and turned his back to me. When he returned to my side, he placed a rocks glass in front of me on the bar top. I grabbed it and sipped my water. “So, I couldn’t help but overhear you’re in an emergency. Got some loan sharks after you or somethin’?”

“Oh no, much worse. It’s a long story.”

“I’ve heard my fair share of long stories as a bartender.”

“I just don’t feel comfortable sharing. I’d much rather wait for Charlie.”

“I can respect that. Hell is a rough place and if you’re not careful it can swallow you whole. I learned that the hard way.”

He sighed and continued to dry glasses. As I sipped my drink, I glanced over to see Alastor still staring at me. That maniacal grin never leaving his face and his eyes cool and calculating. “So um, what’s Alastor’s deal? Why does he keep staring at me like I’m fresh meat at the butchers?”

“He’s always like that, scoping out the new guests. But a word of advice, don’t make a deal with him whatever you do. You think your life is horrible now, you got another thing comin’ with him.”

“I see.”

Suddenly I felt something grazing my ankles. I peered down to see a very short woman with a red bob, a stripe of yellow hair in front of her one giant pink eye. My eyes widened upon seeing the silver blade in her hands. The female looked up and a giant grin spread across her thin lips. “You're not meant to be down here, are you?”

“Huh?”

“You smell…human. Sinners have a certain scent and you don’t have it. We’ve got a live one, guys!”

She hopped into my lap and grabbed the top of the nightgown. I gulped at how the knife was slightly pointed at my throat. “You’re pretty for a live one, not that I’ve seen many like you before.”

“T-thanks?”

“How rude of me! I’m Niffty! I clean.”

She shook me back and forth. “A live one, hmm?”

Suddenly I felt a hand tighten on my shoulder. I looked back to see Alastor, the end of his smile reaching well past his eyes. “You didn’t quite introduce yourself to us, did you, my dear?”

“Leave her alone, Alastor!”

“Tsk, tsk, Husker. I just want to know what I should call our newest arrival.”

“I, I, I-”

I stopped when I heard the front door open, two voices chatting as they came inside. I had never been more thankful for a door to open. “Oh, hey guys! What’s going on,” The tall blonde asked.

She looked so similar to Lucifer so she must be Charlie. “We’ve got a live one, Charlie! And to think she was trying to hide,” Nifty replied.

The Princess turned her red gaze to me and I quickly threw off the deer and housekeeper. I got down on my knees and looked up at the blonde. “Please Charlie, you have to help me! Your dad is fucking crazy-”

“Oh you must be Y/n!”

My heart dropped. No. No, no, no, no. How much does she already know?

Lucifer’s daughter scooped me up to my height and pet me on the head. “It’s so lovely to finally meet you! My dad has sent me several pictures but you look much prettier in real life. But what are you doing all the way out here? Shouldn’t you be planning a wedding?”

“That’s my problem! I don’t want to be here! Please, you’ve got to help! I’m begging you!”

I could feel tears come to my eyes as I pleaded my case. Charlie’s eyes softened and she placed her hands on my shoulders. “Here, let’s take a walk. Vaggie, can you put our shopping away?”

“Of course, honey.”

“Come on.”

The blonde took me by the shoulders and led me up the grand staircase. We went up a few floors before stopping in a room that resembled a library. Charlie ushered me to sit in one of the leather armchairs and then she followed my lead. “So tell me everything. I’m sure my dad left out a few key details.”

I did. I told her how the two of us had met up until I had been forced to say yes to marrying him. While I told my tale, she didn’t say anything. She just hummed at key parts. “So can you help me?”

“I want to, I really do. However, my dad-”

“Fucking kidnapped me, Charlie! Do you really want me to go back to that?!”

She opened her mouth to say something when suddenly her phone rang. She pulled it out of her red suit jacket and her eyes widened. “Oh no.”

“What?”

“It’s my dad.”

“Shit! I’m not here!”

“But…”

“You see the good in others don’t you, Charlie? Can’t you see the good in you helping me?”

She bit her lip before sighing. She clicked the answer button and held the phone to her ear. “Hey, dad. What’s up?”

Lucifer didn’t even need to be on speaker as I could hear him shouting from the phone. “Charlie dear, thank goodness you picked up! Look, I’m in serious trouble and need your assistance.”

“What can I do for you?”

“My darling bride Y/n is gone! Vanished! I left her to her own devices and when I came back she’s left me! I thought someone took her but then I found this rope hanging out the bathroom window and have you seen her? I don’t know how long she’s been gone for and I don’t want her out and about by herself. Hell’s too dangerous!”

Charlie and I made eye contact and I begged her to not give me up. Her grip tightened around her phone and I could see the battle going on in her head. 

“Sorry dad, I haven’t seen her. I’ll keep an eye out though.”

“If you do find her please make sure she’s unharmed. I want my dear apple to be in one piece after all.”

“You’ve got it. But, hey, I’ve got to go. Vaggie’s calling me. I’ll talk to you later.”

“Okay, thank you sweetie.”

“You’re welcome. Love you. Bye.”

She disconnected the call. I let out the breath I was holding. She did it. She actually was going to help me! 

“Okay, I know somebody who can get you back to Earth. But we’d better hurry. My dad sounds like he’s getting close.”

“Thank you so much, Charlie! I really do appreciate it!”

“Hurry now!”

She summoned a dark trenchcoat and fedora from thin air. I quickly put them on and out the front door we went. Our walk felt just as long as when I had run to the hotel, but this time demons didn’t seem to bother us. It was probably because the Princess of Hell was with me. We continued walking until we stopped at a very large mansion. Out front was a cobblestone drive and a fountain spraying water. Charlie and I walked up to the double set of dark blue doors and she knocked. They opened to reveal an imp butler, a small white mustache hiding his lips. “Hello, Princess! What can we do for you?”

“I need to speak with Stolas. It’s urgent, Pringles!”

“Follow me.”

We strutted inside and the little butler led us to a study. “I’ll let him know you’re here.”

“Thank you, Pringles.”

“Of course, Princess.”

The door shut behind him. The study was quite large with several bookcases housing thousands of novels near the walls. A desk with a tall, navy and gold chair sat behind a dark oak desk. The place seemed very fitting for a Prince. As we waited I found myself playing with my engagement ring. I willed myself to stop but my fingers kept rubbing it. Don’t get cold feet now, Y/n. You’re almost home free.

I heard the navy blue door open and I turned to see a very tall, skinny owl man. He wore a dark red jumpsuit with a wine red cape draped on his shoulders. White and black feathers made up the collar and they mingled with his own gray feathers. A smile found its way to his beak when he spotted us. “Charlie! It’s so good to see you, my dear!”

The two hugged and when he pulled away, he looked at me with his four red eyes. “Who might this be? A friend of yours?”

“Stolas, this is Y/n. My dad captured her and brought her down to Hell. We need to send her home to Earth.”

“Ah, so this is the infamous Y/n I’ve heard about. It’s a pleasure to be meeting you.”

He bowed. How many people has Lucifer told about me?

“But why would you want to go back to Earth? You’re getting married in a few months.”

“Because I don’t belong here! I was fucking kidnapped and am becoming a bride against my will! Please Mr Stolas, let me go home!”

“Have you and Lucifer made a contract together?”

“Huh?”

“I mean have you signed anything that he has given you?”

“No, I don’t believe so.”

He bowed his head. “Then I can help. Just let me get my Grimoire.”

He held up his hand and a blue and gold book came flying towards him. The book looked heavy as it floated in the air but the owl Prince paid it no mind. He flipped through each of the pages until he landed on one. “Y/n, if I do this for you I cannot guarantee your safety. I know Lucifer. He’ll be looking for you until you’re in his grasp again.”

“That’s fine. As long as I can go back.”

“Very well.”

He chanted out a spell and before I knew it a purple portal materialized before my very eyes. “Go quickly now. I can’t hold this open for long.”

“Thank you, both of you. I appreciate it!”

“Go!”

I walked through and not a minute later the portal closed behind me. I looked around and smiled. I was back in my house in the hallway. I laughed triumphantly and threw off my disguise, making my way to the living room. I stopped when I heard the crunching of what sounded like…chips? I looked over to my couch and I felt my eyes widen.

“There you are! It took you long enough!”

~~~~~~~~

TAGLIST

@ladymothbeth @cosmic-spider @l0vedoe @stormz369 @strawberry-gothic @repostingmyfavs @purplechan9 @caniseethefourthsword @rl800 @froggybich @txpchhhhhhh @stayinguplate @theonlykawaiigod-blog @vash-yuu @musicb33nsstuff @zennylz @rosieposie005 @weirdgirlislonely @noxianwarmason @luksusowejachty234567 @nicky190i @flutistbyday2020 @insanepurplegrapes @rin22 @b-connie @yepperoniro @halparkebitch

[msmysticfail]

Venus in the houses: 7-12

Venus in the 7th house:

Venus in the 7th care a lot about the other person, other people are a source of emotional wealth for them. They love to take care of their loved ones, always remembering everything the other person likes. They are people who need to be in a romantic relationship of some sort to feel fulfilled and happy, which is why when a relationship breaks over they can start another one soon after, which is easy for them as they have a bunch of admirers, as they are beautiful, pleasant people. Many people like them, whether romantically or not. They have trouble, however, sharing the "bad" emotions and thoughts they feel about the relanshionship they are in. They don't want fights, they don't want to discuss unpleasant things; that's why they need to develop this skill: to vocalize what's making them uncomfortable, as it can harm their relationship if they keep this desire to always try to keep things harmonious, even when things are obviously not working. This is the type of people who loves to be well-groomed, to smell good, to be fashion and beautiful. They are sociable, they are always receiving friends at home, giving dinners, going out, having a pleasant time. It's hard not to like them, they usually win you over in such a subtle and gentle way that you will generally only have good opinions about them. It's important that they stop worrying so much about what others will think of them, try to stop living in search of people's approval. If they manage to balance this approval need they will be able to shine even brighter.

Venus in the 8th house:

This Venus is addicted to love, passion. They are intense, their love goes deep, when they give themselves to love, they give their soul, everything. Their love is wonderful, you will feel exclusive, this Venus's attention will be completely focused on you, which is why they are very loyal, they rarely cheat. They are possessive, when they take possession of something they will hardly let it go, but when they are finally forced to let go, they go through a complete process of catharsis, going to the bottoms of their soul, suffering pain intensely, just to emerge from the ashes after, stronger than ever, beautiful and magnetic like a phoenix. This is a Venus who receives money very easily from others, people trust them with their money. It also attracts a lot of financial investment from others, since the 8th house talks about the support that others give us, and it's very easy for them to get loans, in general. However, don't mess with this Venus, she will take revenge and come out on top. Their love is like a hidden treasure, it's precious and rare, to access it you need to surrender completely. Extremely magnetic, they know how to attract what they want. They also need constant intimate physical contact, as that's where they find their greatest source of emotional satisfaction.

Venus in the 9th house:

This Venus needs freedom, for them it's very important to feel that they can act or do what pleases them without having to explain themselves or give in to the other person expectations. If they feel suffocated or trapped they'll start to distance themselves, until they are completely "free" of the other person. They love studying. They love improving their knowledge: their mind, their soul. They love getting to know other cultures, studying about them, their customs and cuisine. They have a strong desire to travel and generally their preferred destination is abroad, somewhere outside their country. This Venus points their arrow very far away, perhaps they want to date someone from outside their country, someone different, who offers challenge and mental stimulation. It's a Venus who also has many admirers, mainly for their beauty and intelligence, but they generally don't pay much attention to it, despite the fact that, if someone is intelligent enough, if someone can match their intellectual level, they will probably fall intensely in love. They have a certain tendency to idealize relationships because the ninth house talks about the field of ideas, the mental, which is why they spend more time imagining the relationship than actually experiencing it in the reality. They are usually always taking some course to complement their career or they are always traveling.

Venus in the 10th house:

Here Venus shines like no other, as it has reached the highest house of the zodiac. They have a love for the beautiful, the aesthetics, they love to beautify things, whether it's a job they do, or treating others in a harmonious way. They will always deliver the best of they can, as they are very demanding of themselves. Their beauty is cold, calculated, they know exactly where they want to go and radiating their natural charm they slowly conquer everything their heart desires. They are very friendly, they really care about others, like a Venus in the 7th house. They shine in their work, winning the favor of their colleagues and the attention of their superiors; but this is also where they attract the envy of others, as they definitely do more than most of the people around them. This Venus needs to know that the path to the top is narrow and alone, so they should not let be affected when people threaten to leave them. They may find love at work, or they may love what they do very much. They know what they are doing, especially when it comes to their career and life, they don't really need advice. When they decide to love someone, that person will usually stay in their life and heart for a very, very long time, even if they eventually break up.

Venus in the 11th house:

This Venus loves society and society also loves them. They are loved by a very large number of people. They are that type of person who will donate their money to charities, who will help those most in need, who will take care of street animals. They really care about the collective, about people, they will stop what they are doing just to listen when someone needs it. They care about other people's lives, what their problems are. They're very stylish, they usually have their own style and they really don't care whether it's aesthetically beautiful or not, whether it pleases others or not. They are certainly intelligent, they easily understand how society works, being able to see invisible structures and offer help in some way, always trying to improve the lives of people in their community. The only problem that can occur with this Venus is paying more attention to social issues than to the private life of their relationships, which can and will undermine the relationship itself, so it's necessary to seek balance. They love to go out, they are always on the street, almost never stopping at home. They love being in touch with art, culture, politics. It's a Venus who will love going to cafes, discussing books and talking about the community/society in general. When in love they are not so attached, they prefer to date friends, people who share some type of fraternity and camaraderie. Their loved ones cannot hold them back or try to label them in fixed, closed terms. They may not be so interested in romantic love itself, but rather the feeling of connection and understanding between two individuals.

Venus in the 12th house:

This is the most introverted of the Venuses. Living in their own world, they flow through various settings and people, they do not have a fixed type. They are emotionally sensitive, with a very rich and intense personal universe. They can fall in love very easily, but generally the person they love is not available, is usually committed or cannot get involved, for whatever reasons, with the Venus in the 12th house. They usually keep their emotions to themselves. When they finally express what they feel, their emotions flow like a river, flowing with full force. Venus in this house also suffers from the danger of falling in love with people who harm them, who are toxic and abusive. They must become very aware of the type of people they surround themselves with, they need to stop idealizing such people and see them for who they truly are. Their enemies can sometimes be those they love, people can sometimes be with them just to take advantage of their kindness and love. They need to be careful with that. They give so much of themselves, their love flows like deep waters, and sometimes they don't realize they have given too much of themselves until they are already exhausted and sad. As they are very rich internally, they can and should express their inner universe, as they are very creative. Interacting with the arts, dance, photography, cinema and writing are activities that will certainly enhance and elevate this Venus to its maximum potential.

[if-loves]

tug o’ war

// Yandere Aventurine, Yandere Topaz & slight Yandere Jade

sum: At the end of the day, they are just two hotheads. At least, that’s what your boss says.

wc: 1697

warnings: sexual assault, sexual harizzment /j, 2.3 story quest spoilers, inspired by the “checking out” quest, written before jade release, assumptions about what jade does LMAO and also maybe OOC aventurine, topaz, jade

a/n: what was i on

also tried to make it as gender neutral as possible, do let me know if i‘ve accidentally left in anything :)

likes & reblogs are appreciated :)

The scene in front of your door is quite the familiar sight.

“Maybe you wouldn’t find yourself in such dire need of a competent manager if you bothered going over the resumes sent to you!”

“Why do you even need another manager? You have plenty, you sure are just being greedy!”

Numby often wanders through your always slightly open door to get pets and little treats from you, probably having learned that Topaz arguing with that blonde haired extravagantly dressed Sigonian meant she would be there for awhile, and likely in front of your door. You didn’t mind being treated like a dispenser however, Numby was quite the adorable trotter. You ought to ask Topaz where she found Numby.

Chuckling to yourself, you shake your head at the idea. You barely have the time to breathe, where in the universe would you get the time to raise a trotter? Seeing Numby every once in a while would suffice. Lady Jade often gives you the brunt of the work, and although you would never even dream of saying no to her, sometimes you’d wish she’d pity you and give you a lighter load. But you suppose it’s alright, her giving you the hardest bits meant that she trusted you and your capabilities - at least, that’s what you tell yourself.

Their argument only seems to get louder, more jabs being carelessly thrown at each other without a second thought. It will only be a matter of time before they barge in, and things play out like how it always does - they’ll argue in front of you, then turn to you and ask who you’d rather work for. And as usual, your answer is always your Lady Jade. Then, their phones will beep, and they’ll glare one last time at each other and leave in opposite directions. You’ve never understood their obsession with recruiting you.

With a sigh, you continue your endless pile of work, stacks of files littering your office. The deal with Penacony meant that even more work was piled onto you, loans upon loans being processed by your hand and waiting to be signed off. Moments of relaxation are very rarely in your schedule, if at all. But the salary is good, your boss is beautiful and kind, and you get reimbursed for your modest apartment and all your meals and transportation. You don’t work on field like the Ten Stonehearts or the grunts do, staying in your office with papers and pens as your companions. All things considered, your life is pretty good.

Like clockwork, those two make their way into your office, scowls on their faces. It’s amusing how quickly their expressions change once they see you watching them, and if you didn’t know any better you’d think that they were mad at you.

“Good evening to you, (Y/n).” Aventurine doesn’t waste a second in his attempt of buttering you up, efficiently gaining the starting move.

“Mr Aventurine, Ms Topaz, it is a pleasure to see the two of you again. If I may ask, what brings you to my office?” You smile politely, setting down your pen. If you could just finish this stack, you could go home and flop onto your bed…

“Oh, nothing to be concerned about, I was just wondering if you would be so free as to accompany me to dinner on this fine night?” Topaz replies before Aventurine could, the white haired girl shooting a smug smile at the blonde who could only reply with his own.

“Thank you for the offer Ms Topaz, but unfortunately, I’ll have to decline your offer this time. Paperwork seems to come in like an endless waterfall, and I find myself working overtime more often than not.” You gesture to the stacks by your desk, shrugging helplessly.

“Is that so? Perhaps you should consider being my project manager. I’ve been looking for one, you see, and I think you would do a splendid job. How about a change of pace?” Aventurine swiftly cuts in, smiling charmingly, sandy blonde hair perfectly framing his face as if this were some television show.

“I’ll have to decline that, Mr Aventurine. I am quite happy with my current job.” Your smile is unwavering, but really, you just want to tell them to leave. They’re part of the Ten Stonehearts for Qlipoth’s sake, surely they have mounds of unfinished work to do?

“Hmm, I guess we’ll just have to resort to that.” Aventurine licks his lips and takes a few steps back, closing the door quietly, two clicks sounding. All of a sudden, you don’t feel so safe.

“What do you mean?” You nervously ask, eyes darting from one to the other. Surrounded by your files and papers and the two of them, you not only have no direct route to escape, you also stand no chance against them. Their expressions, like hungry wolves closing in on their prey, eye you greedily.

“As much as I hate dealing with this gambler, he offered me a proposal that even I couldn’t look away from.” Topaz says with a sigh. “He offered a once and for all proposal where we would decide who gets you. Of course I can’t divulge the details, but the only thing you really need to know is that you are the prize.”

“Before you can refuse and claim that you’re happy staying under Madam Jade, she has offered her own hand in this as well.”

It’s like all the air has been knocked out of you, leaving you gasping and dizzy. Proposals? Prize? You? How did this happen? How did you even get here? To have a worked your whole life for the IPC, dutifully doing each and every assigned job without even the slightest hint of refusal, and you, you get rewarded by being treated like something to be given, as if you weren’t even a human being but merely a prize to be given to the winner of this sick, sick deal?

“We only mean well, (Y/n).” Topaz tries to place her hand atop yours, perhaps an attempt to come across as reassuring, but yours immediately dart away as if having been burned. Fully standing up, you take several steps backwards until you hit the wall behind you. Ah, how could you forget - you're trapped.

With no regard for your personal space, each of them walks around the table to be by your side. They take each of your hands, and while Topaz places yours on her warm cheek, Aventurine brings yours to his beating heart. Each side reminds you that they are alive, conscious people who are willingly walking on this path of madness. There is no reasoning with madness.

“We have both lost much, but in return, we have gained much.” She whispers into your ear, and her warm breath reminds you once again that she is indeed alive. Your eyes are squeezed shut, your breaths labored and your heart pounds against your chest as if desperate to leave its confines. You feel her move, and all of a sudden you feel soft lips pressed against your cheek.

“The truth is, for the both of us…” He holds your hand tightly, his voice forlorn yet hopeful, and his lips too meet your cheek in a chaste kiss. When he parts, you can feel his stare. “You’ve become our meaning.”

They are both fierce in their competition to claim your lips, their hunger on full display as their free hands each glide over your body desperately. Their gloves are rough against your skin, sliding under your button up and down your pants, all while they continue their assault on the corners of your lips.

Just as they both inch closer to the middle, your eyes shoot open, the door creaks, and you are all met with a smiling Lady Jade.

“Oh? It seems that I’ve arrived at a bad time.” She chuckles, yet she makes no move to leave. If anything, she only walks forward, inching closer and closer to the three of you.

“Madam Jade.” Topaz and Aventurine both nod in acknowledgement, their cheeks rosy and hands still situated at their places. Neither of them makes any move.

“It seems that you two hot headed children have already made your moves. Ah, how rowdy the youth are these days.” The click of her heels against the cold floor only grows louder and louder, until they stop and she stands right in front of you, a finger on your chin, a snake-like smile on her face. Without an ounce of hesitation or fear, she leans down and places her soft lips on yours, and before you know it she has parted and left you in a daze.

“That’s hardly fair, Madam Jade.” Aventurine groans. “We did all the work, and you just took the reward.”

“Perhaps you of all people should know by now that when the opportunity arises, one should move before the others can even comprehend it.” She tuts, gently taking your hands from the other two. As if acknowledging their defeat, their previously roaming hands also depart from your body, albeit with a few quiet complaints from Aventurine.

“Madam Jade, to what do we owe the pleasure?” Topaz, always eager to please, smiles warmly at Jade.

“As much as I would have loved to continue the show, something urgent has come up. Something… that even I didn’t, or rather couldn’t expect.” Jade delicately pats you down, smoothing the wrinkles in your button up and running her hand through your hair.

“Oh? And what could that be?” Aventurine hums, his curiosity piqued.

“It seems that even Diamond would like to participate in our little game.”

[reasonsforhope]

"Passed in February [2024], a massive subsidy program to help Indian households install rooftop solar panels in their homes and apartments aims to provide 30 gigawatt hours of solar power to the nation’s inventory.

The scheme, called PM-Surya Ghar, will provide free electricity to 10 million homes according to estimates, and the designing of a national portal—a sort of Healthcare.gov for solar panels—will streamline the process of installation and payment.

The program was cooked up because India had fallen woefully behind on its planned installations for rooftop solar. In many parts of the subcontinent, the sun is absolutely brutal and relentless, but by 2022, Indian rooftop solar power generation topped out at 11 gigawatts, which was 29 gigawatts under a national target set a decade ago.

Part of the challenge, Euronews reports, is that approval from various agencies and departments—as many as 21 different signatures in some cases—was needed to place a solar array on your house. Aside from this bureaucratic nightmare, the cost of installation was often higher than $5,000; more than half the average yearly income for a working Indian urbanite.

Under PM-Surya Ghar, subsidies for a 2-kilowatt solar array will cover as much as 60% of the installation costs, falling to 40% for arrays 3 kilowatts or higher. Loans set at around 7% interest rates will help families in need get started. 750 billion Indian rupees, or $9 billion has been set aside for the project.

Even in New Delhi, which can be covered in clouds and smog for days, solar users report saving hundreds during summer time on their electricity costs, with one apartment shaving $700 every month off energy bills.

PM-Surya Ghar is also seen as having the potential to cause a boom in the Indian solar market. Companies no longer have to go running around for planning and permitting requirements, and the government subsidies ensure their customer base can grow beyond the limits of household income."

-Good News Network, April 10, 2024

[1d1195]

Toothpaste III

Read Toothpaste here | ~2.6k words

From me: Been way longer than it was supposed to since I last chatted about these two.

Warnings: a couple sweet fluffy puns and pining.

Summary: Harry realizes there's a bit of nepotism in hiring her to work for him while she finds a new job. But Harry would call it flat out favoritism. Also, he really likes the way she says Dr. Styles when she answers the phone.

“Good morning, Dr. Styles office.”

Harry was used to hearing his name said by women all the time. He worked with all women—they all reminded him of his mum which is why he hired them. Unfortunately, he found that many of the newly graduated dental hygienists were there for him...and not the job. He started his practice fresh out of school. Wanting to make good on his degree (and start pecking away at the loan debt from dental school) and help those with toothaches as soon as humanly possible. He was kind to each of them, but he wasn’t oblivious to the flirting that attempted to reel him in during the interview process. They would make small remarks about how they saw themselves fitting right in at his practice—and life. They batted their eyelashes and smiled just a hair too hard.

Now, he was no better than those he turned down in favor of the woman flitting about his office and eyeing the same sweet girl on desk duty. Hiring her because she was pretty, funny, intelligent.

And very much unemployed thanks to him.

Not even dinner first?

It rang in his head. The promise to take her to dinner still only remained just that: a promise. He had given her space as she was excited about the time to herself for the first time in two years. But then when she called again about a month after, claiming she was getting bored and antsy, Harry had to hire her. There had been paperwork to get hired. Training in what her tasks would be as she made the desk her home-away-from-home.

It seemed wrong to hire her and desperately want to go on a date with her, so he separated the two. Let her get her feet under her and whatnot. So, he never got to find out if ‘open’ would be the last of their flirting.

Unfortunately, Harry was ready to let all of his sanity fly out the window. The way Styles sounded in her mouth was a sin and a virtue. Completely and totally the cause for him struggling to maintain a semblance of control over his emotions.

“I know we say drooling is good thing in this office, Dr. Styles, but that’s a bit much,” Mary chided as she walked past him in the small hallway between rooms. Harry cleared his throat. Once more thankful for the mask covering the majority of his face to hide the blush that rose to his cheeks. She was none the wiser, fiddling with a pen as she listened intently. The little headset on her head while she scribbled on a notepad.

“Let me check and I’ll call you right back, yeah? If not, I’ll find someone to recommend,” her voice was so soothing, oozing with kindness and understanding that Harry didn’t know was necessary for someone scheduling appointments for him, but it was the moment he heard her voice. There was an exchange of goodbyes and then she clicked the headset off. “Dr. Styles,” she sang analyzing her notes while clicking and tapping away at her keyboard.

Now Harry had to pretend like he wasn’t just waiting for her to call for his attention. He turned immediately into a patient room where Helen was tending to a teen boy. Helen glanced up; her eyes danced with a smile unseen by her own mask as she continued to pick at the buildup between her patient’s teeth. “Toby isn’t due for an exam, Dr. Styles,” Helen teased.

He glared at her briefly and turned to call out of the room. “Jus’ a second, love.”

“Did you hear that, Toby?” Helen whispered. “Dr. Styles is a bit smitten with his secretary. He’s trying to act casual.”

Toby smiled around the instruments in his mouth and peered back toward where Harry stood. “She pre-ee,” he murmured.

“She is pretty,” Helen agreed. “But he’s pretending like he isn’t in love with her.” Toby chuckled around the tool once more and Harry glared at him.

“There’s a joke ‘bout me being a sadistic dentist, Toby. Make sure y’floss before y’next exam,” he warned lowly. “Helen,” he nodded.

“Dr. Styles,” she nodded in response, the smile never leaving her eyes.

*

She was scribbling on the calendar in front of her inputting as many random national dates as possible. It started shortly after her arrival. The other women in the office usually multitasked their dental duties as well as the front desk. They were excited to have her. As motherly as they were, they knew immediately why Dr. Styles hired the pretty girl and were hopeful the otherwise quiet, shy man would open himself up for her and let love in rather than spend all his waking hours thinking about his practice.

The day of her follow up appointment, she informed him it was National Chocolate Ice Cream Day and she wanted to be sure she would be allowed to celebrate.

“National what?” He chuckled.

It was the kind of thing that made life a little more enjoyable, she explained. After he hired her to be secretary, it was a whirlwind filling the calendar with as many silly days to recognize as possible. Many days had multiple things to be celebrated, so she chose carefully. National Dimples Day was a must—given that Harry had pretty dimples hiding behind his mask. It was followed by National Pina Colada Day, and she told him it was one of her favorite summer drinks.

“Did y’need something?” His voice was warm. Like always. The way it made her feel safe when she was scared that first time she met him, worried a root canal was in her very immediate future. “What’s that say?”

“National Retainer Day!” She nearly cheered. She looked up at him with a bright smile and he couldn’t help but fall harder for her. Each topic of the day was curated with someone in mind. Even the other ladies in the office got their moment to celebrate something they loved as she would randomly call out factoids about the coming month. “Anyone like rosé?” She had called.

“Who doesn’t?!” Melissa shouted back. Of course, the entire time she worked was spent mainly doing tasks, waiting in between calls and tasks to continue filling in the calendar with her funny days of recognition.

Harry was still chuckling about Retainer Day. “Something y’needed t’ask from y’phone call?” He repeated gently to jog her memory.

“Oh yes,” she dropped her pen midway through writing National “Ba” and he felt a little bad for interrupting her thought. Also, he desperately wanted to know the end of the word, and what they would be celebrating in a few weeks. She opened a different window back up and held her notebook poised professionally in front of her. “It’s a little boy,” she explained. “His teeth sound a lot like mine, so I’m probably being too nice,” she frowned. “I know you’re not a pediatric dentist, but the mom sounded exhausted so I told her I would ask and if not recommend someone you know personally from dental school who would take care of him.”

The kindness in her heart was way too sweet. No wonder she was filled with cavities.

“S’fine, set it up, I’ll look.”

“Like today?”

“S’it that serious?” Harry asked curiously.

“Mom sounds exhausted.”

“Like she’s going t’pull her son’s teeth out at a hardware store?”

“Exactly,” her smile was so beautiful. Harry knew smiles.

“S’this m’next patient?” He asked pointing at the tablet waiting beside her. She handed it to him and watched him read.

The way Harry leaned against the counter surrounding her desk put his forearms on full display making her stomach flip. Due to the mask, she couldn’t see his mouth—which was probably for the best. If she saw his lips, his nice teeth, perfect smile, or that dimple in his left cheek she would do something crazy, like kiss him in the middle of his waiting room. Even though no one was there in the waiting room, it seemed like a precedent she couldn’t let happen. Especially when her coworkers were down the hall with patients as well.

His eyes were so focused on the tablet, he didn’t even notice she was staring at him. His concentration was adorable. It was obvious Harry cared about all his patients. He was so intelligent (obviously) and just overall lovely.

“Are we ever going to go on our date?” She whispered quietly so not even Mary, Helen, or Melissa could hear.

Harry nearly dropped the tablet. His mask saved him once more by hiding his surprise. “Oh...um...” It spooked him that she was so confident and easy going about their flirting. It was only a few moments of flirtation and yet, it was enough to make him flustered. Tongue-tied. His brain misfired, no words could get out of his mouth.

Which was not great for her.

“I’m sorry,” she looked away and her hair fell in front of her face so he couldn’t see her embarrassment. “That was rude, I was...” she shook her head. “Forget I said it.”

Her heart was threatening to beat out of her chest, and she thought she might die of mortification. How could she say that in the middle of the workday? That was so inappropriate. Maybe more inappropriate since he was a hand deep in her mouth and she asked to open for him. At least then she was a patient and could leave. Instead, he was going to have to go be a hand deep in someone else’s mouth thinking about how she cornered him and flirted with him when she shouldn’t have.

Her stupid mouth was going to get her fired again. She finished the word “Bagel” on her calendar and looked for the information to call that poor mother back. She dialed the phone number and listened on her headset at the other end rang.

A note was dropped on her desk, a prescription paper from Harry’s notepad. Fluttered and settled directly in front of her as the phone continued ringing. She turned to see Harry’s retreating figure before she picked it up and read it.

Tomorrow? Tooth-irty is too early. How about six?

*

The bell to her apartment rang at quarter to six. She was doing some finishing touches to her hair and makeup, and it seemed they would remain unfinished. She wasn’t mad that he was early because it was making her anxious to wait for so long (hence the extra primping). “Just a second!” She called scrambling to put the last bobby pin in place and swiped mascara over her lashes quickly.

She hurried to the door and pulled it out of the way. Harry held three red roses in his hand. “Sorry m’early. I was... nervous and excited.”

“Nervous?” She questioned.

He nodded but didn’t say anything else. Harry wasn’t a man of many words. He was quiet overall. But when he did speak, every word was warm, important. Nerves must not have been important. “Those are beautiful,” she reached out to touch the mini bouquet. The petals were like velvet, and she imagined that he paid a pretty penny for just three little roses.

“S’not too much?” He asked.

“No,” she shook her head. “They’re perfect.”

He released a relieved sigh and smiled. “Good.”

*

At dinner, Harry pulled her chair out and his knee bumped hers beneath the table. She tried to memorize every detail of the moment. It was a feeling that started all the way in her toes and worked up to the roots of her hair. This was a big day. A big moment.

Three months ago, she was in a different world. Now she was at a new job, a new apartment, and on a date with her unbelievably handsome dentist and boss. It was unreal and perfect and something that didn’t happen every day. Something that had never happened to her.

So, she was memorizing every little detail so that when she thought about it for the rest of her life she could talk about the wrinkle near the corner of his mouth when he smiled. How his eyebrow quirked up when he read something he liked on the menu. The way his fingers wrapped around the stem of his wine glass like he was a connoisseur. Was he? She wanted to ask.

“S’it alright?” He asked quietly.

In all her memorizing, she forgot how quiet she must have gotten. Even a man as few words as Harry, it was probably unnerving to sit in silence while sipping at wine, listening to the quiet jazz quartet in the corner of the space while the girl across from him nibbled at the bread on her plate and stared at him for what must have been an embarrassing number of minutes. “Yes,” she said quickly, her knee bumping against his and the table causing the glasses to wiggle. He smiled. That gorgeous, beautiful smile that should have been on pamphlets and billboards for his practice. “Sorry,” she cleared her throat.

She wondered if he would ask her back to his place. Was it too much to do that? Maybe they could just hang out. Her entire work week was spent with Harry and yet she just wanted more time with him. Like something had changed in her that this was...this was something more. More than a toothache. More than toothpaste.

“Are you alright, love? You’re awfully quiet...”

“Can I say something...insane? You obviously don’t mind my ranting thus far between my intake form and my appointments. But this one might... really make you regret asking me out... I don’t know... I just think I have spent a lot of my young adulthood being unhappy. I watched rom-coms and read romance novels and envisioned this all-encompassing love that would put Nicholas Sparks to shame. Then I started my job fresh out of college and I hadn’t thought about love in three years? Four years. Four years of not thinking about love, reading about love, watching love and it was my favorite thing in the world...and then I got a toothache and wanted to yank it out myself and you were just there. You don’t say a lot but you... you helped me quit a job I wasn’t happy in, a job I wasn’t in love with a job that was killing me from the inside out,” she took a breath and Harry was stoically watching her. “I am trying to focus on everything that is happening. For the last three months I’ve been trying to figure all of this out and remember every little detail about you. The way that your knee feels next to mine and how your ring clinks on your wine glass and how I have imagined falling in love so many times in my life and I never thought it would happen in a dentist office—arguably, my least favorite place in the world.”

Speechless. Completely totally speechless.

Harry held his hand up for the waiter. “Could we get our food t’go?” He asked.

Part of her hoped the ground would open up and swallow her. The anxiety and mortification she felt was so intense her voice was dead in her throat. All emotion stopped existing. Part of her thought she did combust as he asked to leave. “Is everything alright?” The waiter asked.

“Yes,” Harry nodded assuredly. “S’jus’... I’ve got a bit of a toothache,” he explained and glanced at her finally. The left dimple making itself visible. The relief swam through her. “Need t’head home t’take care of it. S’that okay, love?” He asked quietly.

She nodded. “Yeah,” she cleared her throat. “It’s that sweet tooth of yours.”

“Well, y’know me, love,” he winked and handed his credit card to the waiter. “I crave sweet things.”

--

general taglist: @justlemmeadoreyou @daydreamingofmatilda @sunshinemoonsposts @loving-hazz @likeapplejuicenpeach

@straightontilmornin @freedomfireflies @littlenatilda @kathb59 @babegoals

@angel-upon @lilfreakjez @mleestiles @ameliaalvarez06 @canyonmoondreams

@summertime-pills @daphnesutton @l4rrysh0use @perfectywrong @foreverxholland

@lovrave @st-ev-ie @pandeebearstyles @toosarcastic03 @luvonstyles

@tenaciousperfectionunknown @classychalamet @love-letters-to-uranus @emmaawbr @crossyourpeter

@kissitnhekitchen @kittenhere @stylesfever @indierockgirrl @michellekstyles

@just-another-reader1098 @hermionelove @tiredinwinter @whimsy-willows @hannah9921

@fangirl7060 @triski73

I'm sorry if I missed anyone in the taglist. Please let me know if you'd like to join, if it didn't work, if you no longer want to be included, etc. :)

If you like this, check out my masterlist here

[goldenlikedayl1ght]

the lakes - m. murdock

a/n: hey guys so i've been struggling a lot with the fact that i might have hearing loss (i'm going to the doctor next week) and as always i am projecting, but i am not 100% sure everything in this fic is accurate and for that i apologize. but it's my little passion project and i hope you enjoy <3 as always, comments and reblogs are always loved and appreciated! warnings: hearing loss, hearing aids, tinnitus, reader struggling with being disabled, some parts are more vulnurable and don't have the reader being like overly confident in their disability, matt being soft, some suggestive behavior at the end, kissing, nicknames, pretty pg-13 honestly word count: 3.0k summary: your hearing aids run out of battery, and you're forced to struggle through a day of ringing ears and being deaf. matt helps, as he always does. pairing: matt murdock x hard of hearing!reader now playing: the lakes - taylor swift "take me to the lakes/where all the poets went to die/i don't belong/but my beloved, neither do you."

“Are you deaf?”

“What?”

You’re eighteen, home from college for the first time since fall break. Your family sits around for Thanksgiving, and there are so many people talking. There’s about thirteen people at this long dining room table, and they are all talking at once. You’re sitting next to your sister, but you can’t hear her well.

You know she’s speaking, and you’re sure you’re yelling, but you’re frustrated.

“I said, are you deaf? I repeated myself like, four times!”

You feel your face flush.

“Sorry, I didn’t hear you. You’re mumbling, and it’s loud in here.”

Your sister looks at you like you’re crazy.

“I’m right next to you, and I’m not mumbling. In fact, no one is yelling, either.”

You poke your fork at your sweet potatoes and feel hot, angry tears in your eyes as you avoid everyone’s gaze.

Your mom sits across from you, and frowns, planning to tell you to make an appointment at the student health center when you get back to campus.

She doesn’t even have to. You’ve booked one by the time she says it to you.

At the student health center, they administer a hearing test, and then refer you to a specialist for further testing. You call your mom, crying and she gently comforts you, before driving to the nearest bookstore and picking up a book on hearing impairments and a copy of ASL for Dummies.

At the specialist, they do another round of tests. Your doctor tells you that you do in fact have hearing issues and that you should come back in a year for more testing, to see if your hearing gets worse. For now, you get a doctor’s note that requires all your professors to take your hearing impairment into consideration. The process for getting that applied at your university is painful, and only gets worse through your years there.

Before you get to law school, your doctor tests you again, and tells you how your hearing has been decreasing in quality in the past few years. He says that you’ll need hearing aids to regulate it. You cry because you cannot afford that.

You get captioning accommodations throughout law school, as well as a note taker for certain classes that are entirely lecture based. You still try to take your own notes, but it frustrates you that suddenly you need all this help. Your own notes are incomprehensible and often miss key parts of the lecture as you sit for a few minutes trying to decipher what your professor had said a few minutes prior.

You go into corporate law after law school, choosing to stay out of court initially because you find yourself frustrated that you wouldn’t be able to process all of what’s going on due to the many voices.

You stay at this company long enough to get your hearing aids, long enough to pay your loans, and long enough to save up a good fund for your hearing aid needs.

You quit your job and get hired at Nelson, Murdock & Page as an interim while you decide what you want to do.

With your hearing aids, life isn’t so frustrating anymore. You find yourself enjoying casual chatter and not worrying about processing what your friends are saying. At family dinners, you take your hearing aids out when you’re mad at your family, to which your stepdad, another hearing aid user, always laughs.

And, despite the pay not being stellar at your job, you love it. You love working with people who need help, love fighting injustice, and you love your coworkers.

...

If only Matt Murdock would reciprocate your feelings towards him.

You’ve been dancing this dance for months. You come into work with coffee and stutter when you get to his doorway.

You wonder if he’ll ever know how desperately you want him.

You go about your days quietly, going to the bar with them at the end of a long week. You love your friends and find yourself hoping they know how much you love them.

Karen and Foggy, as well as Foggy’s fiancé, know about your hearing aids since they sit sort of clunkily on your ears.

You don’t tell Matt, though, not at first.

You know how bad it is, to not even tell your blind crush that you have hearing aids. But you’re embarrassed. It makes you sound like an old person even though you’re in your twenties.

But when Matt crawls into your window late at night, bleeding, you don’t even flinch as he crashes onto your floor behind you. You’re reading, your hearing aids out, and he’s unsure why you can’t hear him. Your heartbeat had no reaction, it’s like you don’t even realize he’s there.

He taps you on your shoulder and you turn quickly, and gasp, before starting to sign at him. Even in his disoriented state, he knows you’re doing something with your hands and moving your mouth. At first, he thinks that he might have stuff clogging his ears, but then he realizes you’re signing, probably because you think Daredevil isn’t blind.

He takes off his helmet.

“Matt?” You say, and it comes out a little louder than it should, because you can’t hear yourself to gage how loud you’re being.

He says something, and your gaze focuses on his mouth, where you can barely make out what he’s saying.

“I can’t hear you.” You say, softer now. You reach over to your bedside table and put your hearing aids on. By the time you look back, Matt has passed out on the ground. Oh fuck.

You get your first aid kit and begin to work on his wounds. When you’re done, you pull him onto your couch, now stained with his blood, and watch as he sleeps. Blood covers your hands, and you listen to him breathing.

When he wakes up that morning, you’re asleep on the couch, and when you feel him start to stir. You grab your hearing aids, and turn them on, before watching him wake.

He says your name softly, and you take his hand in yours.

“Hey.. You.. You’re Daredevil...”

“You’re deaf.”

“Hard of hearing. Not fully deaf, just… My right ear is a lot better than my left, but without my hearing aids I’m close to deaf, yeah…”

“Why didn’t you tell me?”

“Why didn’t you tell me you were Daredevil?”

“I was scared. Scared that… That you would view me differently, scared that you wouldn’t like me as much.”

“I was scared too..”

“When did you start losing your hearing?”

“In college. I realized it when I went home for Thanksgiving, and then it got worse from there..” You tell him. A hand reaches out to your face, and you lean into it, letting your cheek rest in his palm. His fingers trail up towards your ear and gently run his fingers over your hearing aid.

“Thanks for stitching me up.” He says softly.

“No problem.”

“The hearing aid does explain the buzzing I always hear when you’re around.”

“You can hear my hearing aids?”

“Apparently. I can hear a lot of things. I have heightened senses. You use pomegranate shampoo and had red velvet cake for dessert tonight. Your heart is racing.”

Your face flushes.

“I can turn them off if it’s bothering you.”

“How would you hear me, then?” He has a point.

“I just don’t want them to bother you.”

“Don’t offer to hide your disability just to make other people more comfortable.”

You kiss him when he says this, in a careful way. You’re gentle, making sure not to hurt him as you do. He lays there and lets you kiss him, his hands on your face. You realize you had no reason to be scared that Matt might reject you for your disability, because he is the only person in your everyday life who really gets how it is to have a disability that affects all aspects of your life.

You trace the healed scars on his skin as you kiss him gently, careful not to hurt him. You promise that you’ll kiss him more passionately when he isn’t freshly stitched up.

• • •

A few weeks passed after that night. You and Matt start seeing each other more and more as you fall deeper in love. You find it silly that you wasted so many days, afraid of talking to each other and maybe disappointing each other over the fact that you both lack a vital sense.

But Matt never views it that way. You wear hearing aids and it’s perfectly fine because most of the time, you aren’t struggling to hear him and cannot communicate with him, and he can’t see when you can’t hear him.

Instead, Matt loves that he can hear your hearing aids buzzing softly because it always alerts him that you’re there. He can hear your heartbeat and smell you, too, but it’s not quite the same as this soft little buzzing that reminds him often of a bee.

Except for this one day.

You slept over at Matt’s on a Thursday and really, you should have known better. You knew your hearing aids were going to need a battery change soon, but you’ve been so busy with work and with Matt, and worrying about him at night, that you’re tired. So tired that you forget to pick up batteries before your hearing aids die.

You sneak out of Matt’s apartment early, sending him a text that you needed to go get changed before work. Really, you want to avoid the fact that you wouldn’t be able to hear him. But he didn’t respond to your message. You decide that you don’t care at this moment and head out to work, debating the right way to tell your coworkers about your predicament.

When you get to work, Foggy is immediately talking to you, and you are tense.

“Foggy—” He’s not stopping. It sounds like he’s mumbling, and there’s this ringing in your ears. “Foggy, I can’t hear you.” He finally looks to you, and says something, you make it out to be a phrase of confusion. “My hearing aids died.” You tell him. You’re frustrated, and Matt isn’t in the office yet.

You deem this as a blessing and a curse. Foggy goes to tell Karen what’s going on and as you’re settling down for the day, you get a text. You hope it’s from Matt, but when you see Karen’s name, you falter slightly.

‘Hey! Foggy told me what was going on. We’ll have your calls redirected to one of us and you can spend the day doing housekeeping and paperwork.’

‘Thanks’, You respond, “Sorry about all this. I’m usually on top of my battery life.”

“Don’t worry about it. These things happen.”

“Still, thanks. Did you hear from Matt at all?”

“No, he probably just slept in late. He should be in soon.”

You try to ignore your anxieties over his absence even though you know that when he does come into the office, you’ll have to struggle to communicate with him all day.

So, for the first hour or so of your day, you try to get some work done but there’s a light ringing in your ears that’s getting worse and worse as you attempt to try and focus on other things. Everything sounds so muffled. You’re so focused that your teeth grind against each other, your muscles tense, as you attempt to try and block out the ringing in your ears.

You have a feeling that by the time you leave today, those hot frustrated tears will be threatening to pour once more.

You don’t hear Matt as he steps into your office and stands by your left side, where you’re almost completely deaf. He stands there for about ten minutes, trying to get your attention before he realizes the light buzzing of your hearing aids are not there.

You must not have them in.

So his hands find your shoulders gently, and instead of tensing, you actually relax under his touch, because you realize that it has to be Matt. A slight turning of your head confirms it and you lean into his touch.

Neither of you say much for a while, deciding to let your frustration slowly dissipate as you lean into his warm hands. They stay on your shoulders and upper arms, rubbing gentle patterns into your skin.

After a good ten minutes of this, his body shifts to your right side and he leans down, before speaking at full volume, maybe even a little louder, just to make sure you can hear him. It still sounds like he’s mumbling, but you can hear him.

“Forgot your hearing aids?”

“Batteries died.” You tell him. “You never answered me.”

“My phone died. I forgot my charger, too.. Are you gonna be okay to work all day?”

“Mhm..” You smile softly, “You’re gonna have to help answer calls, though.”

He kisses your cheek, and you lean into the warmth.

“Anything for you, sweetheart.” He says, a soft smile on his face.

The day goes by pretty much as you expect it. You spend it doing paperwork and dodging phone calls, your tinnitus gets worse as the day goes on. By the time the day is finally winding down, Karen sends you one final text.

“Matt’s staying a little late to catch up on some work. Want me to walk you home?”

“No, I’ll be fine. Thank you.”

You realize that because she and Foggy are heading home, you’ll be able to sit with Matt, maybe get a little bit of peace. You’re thankful, too, because you’re about to lose your mind over all of this. The ringing is just getting to be too much.

You wait a few minutes after Foggy and Karen head home before you go into Matt’s office. He smiles at you and gestures for you to come in, and you do. You lean against his desk, as he speaks loud enough now that you can hear him.

“I’ll just be a few more minutes, Bee.” Even the soft-spoken nickname doesn't get you out of your funk, too busy wanting to get on your hands and knees and beg God for your hearing back.

That doesn’t usually happen, but every once in a while you ask him for a normal life.

God sends you a blind man as your soulmate, because he must think that the whole thing is quite funny.

“Okay…”

You feel hot tears pooling in your eyes as you bite your tongue and dig your fingernails into your skin. You almost draw blood.

“What’s wrong?” He can tell that something is wrong. He can always tell, and you’re foolish to think anything less of him, and even more foolish to forget his super senses. A part of you bites back a bitter feeling, since you wish you could’ve had super smell, super sight, super taste, anything in exchange for your hearing. You were not given an exchange, only forced to give, with nothing in there for you.

You forget that your boyfriend has super senses and can taste and smell your salty tears and blood in the air. Damn him.

“Loud… Ringing in my ears, my tinnitus is always really bad when I don’t use my hearing aids for a while..” You say softly. “It’s just.. it really hurts...” You confess, tears slipping down your face.

“Sweetheart..” He takes off his glasses and rests them on the desk in front of him. “C’mere..” You can’t hear that last part, but the way he opens his arms gives you the hint.

You sit on his lap, burying your face in the crook of his neck with a shaky sigh. You feel the thumps of his heartbeat and hold onto it, the ringing in your ears slightly muffled by his skin. It doesn’t fix the problem, but it helps.

His hands linger on your body, gentle caresses of your knee or thigh happening here and there. He just wants you to know he’s there, in the same way he desires when everything becomes too much for him.

“”m sorry..” you say gently, and he just hushes you softly, kissing your head. He traces patterns into your skin. He traces words into it as well.

L-O-V-E.

S-W-E-E-T-H-E-A-R-T

He traces your name, his, and your last names.

You kiss him softly, realizing that you might never be 100% okay with your hearing, but Matt will help. He’ll understand. He loves you, and it’s enough to be confident in your future again.

You spend only a few minutes more in the office before you decide to head home, his hand never leaving yours.

You make it back to his apartment and Matt plugs his phone in in case you need to text him and get his attention. You wind up stealing a pair of sweatpants, a tee shirt, and a pair of fuzzy socks. The two of you wind up tangled together on his couch.

Your ear is pressed against his chest as he gently caresses your skin, occasionally moving your hair from your face. He mumbles sweet nothings, and while you can’t hear them, you feel the rumbling vibrations in his chest, and you relish in them. You bathe in the feeling of his heartbeat thumping against his skin.

You fall asleep like this, with Matt touching you and talking in this low tone to make sure you can feel the vibrations of his voice in his chest and in his throat. It’s enough just knowing he’s there. That this thing you thought would deem you unlovable is no match for Matt Murdock, who on your wedding day will throw up the sign for ‘I love you’ in ASL.

For Matt Murdock, who, when you’re taken for loving the devil, will find you and take you into his arms and kiss you so that you know he’s real.

For Matt Murdock, who touches you in all the right ways so you can hear the sounds of your own pleasure.

For Matt Murdock, who will gently trace patterns into your skin when you need to be grounded. For Matt Murdock, who feels himself slipping further and further in love with you and finds himself searching for the soft buzz of your hearing aids when you walk into the room.