#process of getting home loan

[poojalate]

Common Mistakes to Avoid for a Quick Home Loan Approval

Applying for a home loan can feel like a long and complicated process. However, with the right approach, you can significantly speed up the approval process. To help you achieve quick home loan approval, we’ve outlined common mistakes to avoid and shared tips for a smoother experience.

Why Quick Home Loan Approval is Important

Getting approved quickly for a home loan is crucial, especially in competitive housing markets. It ensures you can secure your dream home before someone else does and reduces the stress of prolonged uncertainty.

Mistake 1: Not Checking Your Credit Score

Your credit score is one of the first things lenders evaluate. A low score can delay or even deny approval.

Tip: Regularly monitor your credit report for errors and ensure timely payments to boost your score.

Mistake 2: Ignoring Debt-to-Income Ratio (DTI)

Lenders assess your DTI to determine if you can handle additional debt.

Tip: Aim for a DTI below 40%. Pay off smaller debts before applying for a home loan.

Mistake 3: Failing to Provide Complete Documentation

Incomplete or missing documents are a common reason for delays.

Tip: Keep all necessary documents, such as income proof, tax returns, and bank statements, ready in advance.

Mistake 4: Applying for Multiple Loans Simultaneously

Submitting several loan applications at once can harm your credit score.

Tip: Research lenders carefully and apply with the one that best fits your needs.

Mistake 5: Not Researching Loan Options

Different lenders offer different products, rates, and terms.

Tip: Compare multiple options and choose one that aligns with your financial goals.

Mistake 6: Skipping Pre-Approval

Pre-approval gives you an edge when negotiating with sellers.

Tip: Obtain pre-approval to show you’re a serious buyer and speed up the process.

Mistake 7: Changing Jobs Before Loan Approval

Lenders prioritize applicants with stable employment. A job change can signal financial instability.

Tip: Avoid switching jobs until your loan is approved and processed.

Mistake 8: Making Large Purchases During the Application Process

Big expenses can disrupt your financial profile and delay approval.

Tip: Postpone major purchases like cars or furniture until after your loan is finalized.

Mistake 9: Not Clarifying Loan Terms and Conditions

Misunderstanding terms can lead to unexpected costs or issues later.

Tip: Review all terms, conditions, and fees with your lender. Don’t hesitate to ask questions.

Mistake 10: Ignoring the Down Payment Requirement

Down payments play a significant role in determining loan approval and terms.

Tip: Save up for a substantial down payment to improve your approval chances and reduce loan costs.

How to Streamline the Home Loan Approval Process

Be proactive about gathering documents.

Regularly communicate with your lender.

Work with a mortgage broker for expert advice.

The Role of Communication with Your Lender

Maintaining open communication with your lender can prevent misunderstandings and delays. Always keep them updated on any financial or employment changes.

Conclusion

Avoiding common mistakes and being well-prepared can make all the difference in securing quick home loan approval. From checking your credit score to staying organized with your documentation, every step counts toward a smoother and faster process.

[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

[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!

[bunnis-monsters]

NSFW

warnings: clown fucking lol

The amusement park on the mountain had once been the most popular attraction in your town. Everyone visited for whatever special occasion they could, spending tons of money on merchandise and tickets.

What made it so appealing to the public? Everyone’s answer was always…

Silly the Clown!

He was taller than any person you’d ever meet, always nicely dressed and wearing close make up. When he walked through the park, everyone would stop what they were doing to line up and watch his act.

Not only was he hilarious, he was also quite handsome, according to the men and women that traveled to see him.

He was shrouded in mystery. No one ever saw him without his makeup on around town or even leave the park. People would wait in hiding, trying to catch a glimpse of Silly’s real appearance.

But one day, the amusement park shut down. Rumors spread quickly through the small town, some saying there were loans gone wrong or even murder.

No one really knew why their beloved amusement park was no more, and Silly was never seen again.

That was… until you showed up.

You had been a huge fan of the amusement park as a kid, but never got to attend until your 18th birthday. Now, all these years later, you were back on your 25th, planning to celebrate by doing some urban exploring and maybe take home a souvenir.

The park wasn’t as run down as you had first expected. Although none of the rides seemed to be in order, they looked to be maintained. None of the grass was overgrown, the walls were free of graffiti, and the ground was clean, no litter or dead leaves.

It was as if the park was simply closed for the day, not abandoned completely.

As you wandered the grounds, you kept turning to see if someone was behind you. You felt eyes on you the entire time, making you think perhaps there were cameras or security guards still on the premises to prevent vandalism and theft.

What you didn’t know was that you were being followed and carefully monitored. Every step you took was being tracked, every little thing you did was observed by the pair of eyes watching you,

Though… for a moment the observer’s gaze moved over your body, lingering on… certain parts. It had been so long since someone had come to visit, and even longer since it had even thought about its… urges.

And you were such a pretty thing.

It was getting dark, meaning you should get back to your car soon… but as the sun went down, you nearly fell over in fright when the amusement park sparked to life.

Lights lit up, rides began to move, and you could smell popcorn and hotdogs being cooked near the food stalls.

“I’ve gotta be hallucinating…”

“You’re not.”

You froze in your tracks, the hair on the back of your end standing up straight. That voice…

“S-Silly?”

He appeared in front of you, a red painted smile spreading across his face. “Silly the clown, that’s me! You’re back!”

It took you nearly an entire minute to process that the man in front of you was really Silly the clown, someone that hadn’t been seen in years!

“W… what do you mean?”

His fingertips traced down your side, stopping at your hip. “I know the face of everyone who’s entered this park. And now you’re back…”

His thumb rubbed against your hip, playing with the fabric of your bottoms. “Why don’t you enjoy the park for a bit? I turned everything on just for you…”

And you did, hesitantly going up to the first ride.

He watched you go, his pants tightening. God, how long had it been since he’d felt the warmth of a woman?

Silly was cursed. He couldn’t leave the park, his very soul was tied to it. It stayed the same as it did the day it was abandoned, and he waited for someone to come back.

Why had people stopped coming? Not even the newspaper was allowed to print what happened.

A kid went missing near the park, and Silly had seen what happened. Someone impersonated him, luring the child away. He couldn’t do a single thing, not able to break character and leave to save the child.

It made Silly depressed, and he stopped allowing people to visit. Silly and the park were one being, if he was depressed, it would deteriorate.

But when he saw your car pull up, the rusted gates and old buildings became brand new, almost as if the park was perking up to impress you.

After going on several rides without waiting in lines and feasting on corn dogs, funnel cake, and lemonade, you let out a happy sigh.

“Having fun?”

You jumped slightly, relaxing when Silly came into view.

“Yeah… it’s been a long time since I’ve been to an amusement park. It’s been nice.”

He watched you, his eyes focusing on your soft tummy and fat tits. Never before had he taken such interest in a female.

He didn’t know much about what he was or how he came into existence, much less the nature of his urges, but he did know that he had needs…

And you did too.

Silly was attractive in a strange way. It was hard to describe his features, but something about him made you… horny. Maybe it was how tall he was, maybe it was the way he talked…

Before you knew it, you were being led away by the hand. You didn’t complain or try to escape his grip, in fact you were both curious and aroused. Where was he leading you?

Was it bad that being all alone with that clown in an abandoned park, having no idea where he was taking you made you horny?

Silly was struggling to keep himself together.

You were pulled into a tent, something slippery and slimy slipping between your legs as you were bent over. All you had to hold on to was a tent pole as silly grabbed your fat hips.

“God…” he murmured, his tentacle like cock slithering past your panties and rubbing against your glistening clit. “Need this…”

Without much warning he pushed in, groaning at how tight you were. It felt so strange, feeling him wriggle and writhe inside of your cunt.

The second he felt you clench around him he groaned, his body leaning into yours as he nibbled at your ear.

“So wet… pretty little thing, don’t you wanna just stay here forever? I’ll let you have the best day forever if I get to fuck into this pussy at the end of every night…”

His clown makeup dripped onto your shoulder, making you look back. Your vision was already a bit blurry from the pleasured tears falling from your eyes, but you swore you saw a strange creature behind you…

He forced you to look away, cooing softly. “Shh, don’t look, princess… I don’t want my pretty little thing going insane.”

His cum spurted inside of you, and you felt uncomfortable stretch when his cock began to go crazy, wiggling and squirming as if trying to burrow inside of you as deep as it could.

A soft growl left his throat as he settled down from his high, his thumb rubbing circles on your hip.

“Good girl… let’s get you cleaned up, hmm?”

Want more? My commissions are open, or you can become a Kofi member!

————————

NSFW TAGLIST: @avalordream @icommitwarcrimes @bazpire @im-eating-rn @anglingforlevels @kinshenewa @pasteldaze @yoongiigolden @peachesdabunny @murder-hobo @leiselotte @misswonderfrojustice @dij-ology @i8kaeya @lollboogurl @h3110-dar1in9 @keikokashi @aliceattheart @mssmil3y @spicyspicyliving @namjoons-t1ddies @izarosf1833 @healanette @lem-hhn @spufflepuff @honey-crypt @karljra @zyettemoon1800 @exodiam @vexillum-moeru @imperfectlyperfectprincess1 @binnieonabike @enchantedsylveon @mysticranger575 @readeryn68 @danielle143 @kittenlover614 @filthybunny420 @annavittoria-mm @makimamybelovedwife @blubearxy @omglovelylaila @toocollectionchaos-universe-blog @fruk-you-usuk-fans @wil10wthetree @hammerhead96-blog @slightlyusedfloormat @bubblez-blop @sunshineangel-reads @heroneki-neko

[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?

[cheetabites]

☆彡 peppers ˳༄꠶

character: hwang in-ho / 001 / frontman

˳༄꠶ summary: five sfw and nsfw general headcannons for the frontman

sfw headcannons

★ i truly believe he’d be a devoted partner to you; he literally accepted loans / bribes - loosing his job in the process - just to help his sick wife and eventually entered the squid games just to pay for her treatment

★ when he was declared victorious he was so happy to go home. but when he arrived back and was met with the news that his wife had already died, he fell into a raging depression; scapegoating the blame of her death onto others due to his immense grief. eventually he decided to go back to the games because he didn’t believe there was really anything out there for him anymore

★ deep down there’s a small part of himself that regrets giving jun-ho his kidney - if he had sold it he could’ve payed for the treatment earlier; but this hard truth was something he tried his best to repress because he felt ashamed for thinking that way, after all he still loved his brother

★ he knows about the organ harvesting. while he’s not directly involved in it, he makes no effort to stop it - if anything, he thinks it’s a good use since it would be a waste to incinerate usable organs, and because it’ll ‘help’ other people like his deceased wife (people who need transplants)

★ he still carries a photograph of his wife even while running the games, although he makes sure to never leave it out in the open. it’s always on his person one way or another. when he looks at her picture though, it’s a brief period of clarity where he reflects on his actions and what she’d think of him if she saw what he did and continues to do

nsfw headcannons

★ he’s a dom, no doubt about it. although in the beginning of your relationship he’s more of a hard dom, the further you progress with your relationship waters that down a bit; he needs a deep emotional connection with his partner to get there though

★ he’s really into marking your body; primarily though, it’s mostly hickies that he leaves on your skin - usually on your neck or on your thighs. he wouldn’t leave anything deeper than tiny purple bruises. to him, leaving bruises - that come from hard impact play, spanking, ect - on your body is unsightly and it leaves him disgusted

★ one of his favorite sex positions is definitely doggystyle. he seems to be the guy that’ll lay his arm around your front just to pull you close, so he can watch you tilt your head back with that look of ecstasy. he sometimes wraps a tie around your neck to pull your head back if he wants to fuck hard and fast

★ whenever you guys are fucking in missionary, he’ll have one of his hands wrapped around your neck as he degrades you - sometimes adding some faux pity into his tone whenever you whine that it’s too much or that it’s too big

★ he overstimulates you as a punishment. saying things like “oh now you’re complaining that it’s too much when you couldn’t even control yourself while i was away” or “you say you can’t take anymore even though you keep creaming all over my fingers, such a dirty whore”

the end! i hope you enjoyed <3!

© cheetabites. don’t translate, claim or repost my works on any platform. jan 3 2025.

[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

[msmysticfail]

Venus in the houses

✩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.

[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.

[goldfades]

YOUR BEST FAN !!! ── NICHOLAS CHAVEZ

─ summary | only fans creator with nick, what could possibly happen? ─ warnings | NSFW under the cut. oral (m. receiving), heavy praise, really rough, there's a camera involved (i think i have a thing for cameras ngl), pretty much face-fucking

─ ev's notes ! | i wanna make this a series sooooo bad omfg. also!! I AM NOT TRYING TO GLORIFY OF OR ANYTHING LIKE THAT, pls this is just fictional

free palestine carrd 🇵🇸 decolonize palestine site 🇵🇸 how you can help palestine

When you began dating Nick, you had just began your “business.” You honestly didn’t think much of it at the time—just a little side hustle to pay the your student loans and to have some extra cash for things that you liked. It wasn’t supposed to get this serious, and neither was he.

Nick was different from the start, though. Kind, caring, and completely unaware of the other side of your life. You liked it that way, at first. It was easier to keep things separate, to pretend like this secret world didn’t have to collide with his.

However, when you had realized you'd have to tell him before someone else did, it was too late. Nick had already found your secret Twitter account. You saw it in his eyes the moment he walked through the door—he knew. He didn’t have to say anything for you to feel the dread bubbling in your chest, the panic rising as you mentally prepared for the inevitable conversation.

The worst part? He recognized everything—the background, the subtle details of your room, and, of course, those familiar, sweet sounds you made when you thought no one was listening.

When he brought it up, his voice was calm but direct. “So... I found something interesting today.”

Your heart stopped. There it was. The moment you’d feared. You opened your mouth to speak, to explain, to do anything that might save this, but no words came out. You were certain he’d break up with you on the spot.

“Are you... mad?” You spoke, your voice shaky as you looked up at him. There was shame in your expression, and a little bit of anxiety, you couldn't believe he'd found it.

You thought it was done, over. Until Nick’s lips curved into a smug grin, one that caught you completely off guard.

“Mad?” Nick repeated, shaking his head as he kneeled in front of you. “No, baby. No, not at all.”

You blinked in disbelief, searching his face for any sign of anger or disappointment, but all you found was that same possessive glint in his eyes, the one that sent a thrill down your spine. He was calm, way too calm, and that only made your heart race faster.

“If anything,” Nick continued, his voice low and steady, “I think it’s kinda hot. Knowing they can all watch, but they can’t touch. Not like I do.” His hand slid up your thigh, making your breath hitch. “They can’t make you feel the way I do.”

You swallowed hard, still trying to process what was happening. This wasn’t the reaction you expected at all. In fact, it almost felt like he enjoyed the power of it, the idea that while others watched from a distance, he was the only one who truly knew you, who had you.

The iPhone flash was bright as you blinked, trying to adjust to the sudden light. You were in the car with Nick, driving home from a date night when he suggested the idea. “What if I joined you, in one of the videos?”

That was you ended up in the backseat, in between Nick's legs. The car was parked in an empty parking lot, and you really hoped that nobody was around. However, the thought of getting caught sent a nervous thrill down your spine.

“Look at me,” he instructed, his voice firm but laced with that same cocky confidence from earlier. The phone in his hand hovered just above your head, framing you perfectly in the shot.

Your heart raced as you met his eyes, a mix of nervous energy and excitement coursing through you. He had a way of making you feel completely exposed, and not just physically. This wasn’t like your usual videos—it was different. There was something about him behind the camera that made it feel so much more intimate.

“That’s it,” Nick murmured, shifting the angle slightly as his eyes flickered between the screen and you. “You look so good like this, baby. Don’t be shy.”

God, your pussy was soaked already. You couldn't help but let out a small moan as your hands reached up toward his thighs, gripping them tightly as your lips curved into a smile.

His thighs tensed under your grip as you leaned back against him, your body instinctively seeking the comfort of his touch. The intimacy of the moment—his presence, the weight of his gaze, the phone capturing everything—felt so much deeper than any other time you’d recorded.

You pulled down his shorts and boxers easily, and you heard him let out a satisfactory moan. You blinked up at the camera again, the smile still evident in your soft features. His cock was in frame now, it was mouth-watering to look at; his tip was leaking with pre-cum, the color was a deep shade of red.

Nick’s free hand found its way to your heads, his fingers curling into your hair, sending a shiver through you. “That’s my girl,” he praised softly, his voice a mix of admiration and possessiveness. “Go ahead, baby. Don't get all shy now,” he let out a dark chuckle as he pushed your head further down.

The feeling of his tip brushing against your lips made your stomach squeeze in anticipation. You opened your mouth, humming at the familiar taste of him as you blinked up at the camera. You could feel the heat pool between your legs as you took more of him in your mouth, his head falling back as he let out a sharp grunt.

The grip he had in your hair tightened as he pulled your head up and down, just how he liked it. You let out broken moans, muffled by his cock as your gripped his thighs. Your eyes were watering as his tip began hitting the back of your throat repeatedly, making you gag.

But Nick wasn't in the mood to be slow tonight, not at all. And you didn't mind one bit. “Fuck, yeah,” he groaned as he felt your moans vibrate against his cock. He moved the camera to get a closer look at your face—your makeup was all running, your hair was a mess.

And you still looked so fucking sexy.

The fact that you were doing this here, in the backseat of his car in an empty lot, only heightened the sensation for him. It felt risky, thrilling, and yet entirely safe with Nick.

He continued his assault on your throat, his moans echoing in the car before pulling you off abruptly. You opened your eyes, breathless as you gazed up at the camera. Your breath hitched when his hand slid from your hair to your jaw, tilting your face slightly toward the camera. The lower half of your face was completely covered in salivia and pre-cum, the sight almost orgasmic to Nick.

He let out a soft moan at that, before pushing you back onto his cock, continuing with the same brutal pace. His grip in your hair was almost too tight, it was almost painful but the sounds of his praise and moans kept you going.

“That’s it,” Nick grunted loudly, clearly satisfied, his voice growing even lower. “All fucking mine.”

With one last thrust into your warm mouth, Nick was spilling into your mouth as you moaned loudly against his cock. The taste was heavenly and you did your best to swallow all of it, savoring it. After a few seconds he pulled you off his cock, taking you in with all your glory.

Your eyes were red, your make-up was running down your fucked-out eyes, lips all red and wet, and your face was covered in saliva. He loved when you got sloppy, it was his favorite sight in the whole word.

Nick’s hand moved from your hair, fingers gently grazing your skin before settling on your cheeks, gripping them sightly. He tilted your face toward the camera with a deliberate touch, his thumb brushing your lips. “Give me that smile,” he murmured, his tone soft yet commanding.

You felt the heat rise in your chest, and despite the tension, a small smile tugged at your lips. Your eyes met his, locking onto the intensity of his gaze.

“That’s my pretty girl,” Nick whispered, his voice dropping into something even deeper, almost a growl. “All mine.”

↳ make sure to check out my navigation or masterlist if you enjoyed! any interaction is greatly appreciated !

↳ thank you for reading all the way through, as always ♡

[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.

[leascorner]

j.b.b | The Grinch

Summary: Y/N can’t travel to see her family on Christmas so she invite her grumpy loner neighbour, Bucky.

Pairing:  Post blip!Bucky Barnes x f!reader

Warnings: Use of Y/N and feminine pronoums, a few mentions of food and alcohol, angst, some vulgar language, everything is in the summary really, this is set like the falcon and the winter soldier never happened or it's happening before that.

Word Count: 3.5k

A/N: This is the 4th Xmas OS of the series. So sorry it is a couple of days late. Please do share and like if you enjoyed it, it means a lot! Merry Christmas!

2024 Christmas Masterlist | Main Masterlist

18th of December

$125

Y/N blinked at the number being displayed on her phone’s screen. She had stopped right in the middle of what she was doing, in utter disbelief of her discovery. Her whole process of thoughts seemed to have frozen; just like her computer would display “error 404” when she would perform contradictory actions.

She didn’t understand how this was possible; something was wrong obviously wrong because she didn’t expect this number to be displayed. Refusing what she was seeing, she logged out of the app and then back in a couple of times.

Yet, every time, the sentence was the same.

$125

Despite everything, this was currently the amount of money Y/N had on her bank account. These past couple of months, she had been saving for this moment; a moment she had been imagining all year long and for which she expected to be shredding happy tears. Instead, the tears currently running down her cheeks were made of pure anger.

She found the culprit quite easily. A monthly interest payment of a loan that was playfully mocking her on top of her bank statement. Now that she was thinking of it, she should have probably read all those letters; the ones with the red-inked stamp “urgent” printed on them. She had found all the excuses in the world: especially how exhaustive was she after having worked double shifts almost every day lately or that it had just been easier to have them sitting on her coffee table.

Y/N had no idea what she would do. If $125 was probably quite enough to eat until the end of the month if she made a few compromises, there was no way she would be able to buy flight tickets to get home for Christmas. She would have brought them earlier if she had been able to – at a time she still had the money on her bank account, for example – but her colleague had only confirmed that same day they could take over her shifts during the Christmas week. Now, she didn’t have any money and would be alone for the year-end celebration.

Her cell phone ringing made her snap back to reality. She was still in front of her building, keys in one hand, frozen in her action to enter. Her heart sunk has she discovered the picture displayed on the screen; her sister and her, one of the last pictures they had taken together, at Y/N’s university graduation ceremony, a couple of weeks before the blip. Her sister was most likely calling her about this “very good news” Y/N had texted her about that afternoon. Now, she only had to let her know that it had been a false alarm and that she wouldn’t be able to make it home this year.

Again.

It wouldn’t be the first time indeed. In fact, ever since the blip had been reversed, Y/N had not been home for the Christmas. At first, she had chosen not to. She was the only person in her family to have been gone. Without her, they all had continued with their lives, and the post-blip had been brutal for her. One second, she was full of life: she had just gotten an amazing job in New York, and she was going to live her dream. The other, the blip had happened, five years had passed, and she had lost everything. Her family, her job, herself. Her little sister was now older than her, graduating college and ready to start a family. Her parents had retired and started a new life in California. She didn’t have a dream job anymore; she had no job at all in fact. In this world that had changed so much, she felt out of places. So, she did what she thought was could do. She left everyone behind and moved to New York.

The months after moving there had been full of hope. Hope that she could still make it to her dream job and life after all. She had gotten in touch with associations working on helping people post-blip. They said: if she took a few classes, she could be retrained on the most up to date information and she would be able to get the job she had always dreamt of after all. Yet, it was even worse than college. She had to work part-time to be able to take the night classes. She either worked or studied; leaving only a few minutes a day to eat, sleep and bath. This was until some court bailiffs came banging to her door. The banks had been quick to be back to find the people that had disappeared and were now asking them to provide the past five years’ debt payment. All of her dreams had been shattered yet again.

Determined not to ask for help, Y/N stayed in New York and totally forgot about her dreams. Instead, she found another job at a bar-restaurant – one that paid better than the cashier part-time job she had until that – and worked there ever since, trying to pay off her initial student loan and the other loan she had had to take to be able to repay the requested five-years’ worth of debt in one go. She was now planning every spendings up to the last penny. She was living off diluted body and hair shower gel and all sorts of techniques to have the impression of having eaten a lot more than she had. Yet, it hadn’t been enough.

It was never enough…

Drying off her tears, she answered her phone and stuck it against her ear with her shoulder while she entered the building. She was quick to break the news to her sister. She kept her voice steady, not showing any emotions to shorten the conversation as much as possible. She did so as she collected her mail and then turned to take the stairs up to her apartment.

On the phone, Y/N didn’t see her neighbour coming down the stairs and eventually run straight into him. She would have fallen down the two steps she had just climbed if he hadn’t caught up by the arms at the very last moment.

"For fuck’s sake!" he sighed angrily. "Can’t you watch where you’re going?"

Y/N only answered by rolling her eyes. She picked up her phone from the floor; her sister was still on the line, calling after her. While she turned it to her, she discovered her screen totally shattered. She would have cried if she could have…

Without further ado, she put her phone back to her ear and continued to go up the stairs. Her neighbour – a guy that moved in a couple of months ago and that was hardly saying ‘hello’ the few times they had seen each other in the hall – huffed and without thinking nor turning back, Y/N flipped him off. She would probably be ashamed of this later, but at that moment, she couldn’t care less of what he would think of her.

She couldn’t care less about anything anyway.

20th of December

Two days later, as Y/N was slowly accepting the fact that she would not be with her family for Christmas, she encountered her favourite neighbour in the hall again.

She had just gotten home from work and was collecting a parcel in her letterbox. This was a present for her sister that she wouldn’t be able to give her in the end and for which she couldn’t even pay stamp to ship it to her home. She would be lucky if she could return it and get a few dollars back.

As she was closing her letterbox, her neighbour entered the hall. Feeling a little guilty about the other night, Y/N’s first thought was to apologies for her behaviour. A quick look at the guy and the constant frown on his face made her swallow her saliva; hard.

He was good-looking though, with his blue-piercing eyes and full lips. The stubble on his chin –always of the same length whenever she would see him – let her think that he was taking care of himself; though the way he dressed was clearly demonstrating he wasn’t really on point on the fashion side. If he wasn’t always so… whatever he always was… she probably would have liked him. With his grumpy looks, he reminded her of this movie character she liked so much when she was a kid: the Grinch.

In silence, Y/N watched from the corner of her eyes as he also checked his mailbox, a couple of meters away from hers. After gathering the few letters in the box, he sighed and abruptly closed the door.

“What now?” he asked as he turned to her.

Y/N jumped to the tone of his voice. He was clearly annoyed at her while she hadn’t done anything. At least that day.

“No need to be a dick,” she quickly bit back, annoyance building up in her voice as much as his, and he huffed again – this seemed to be something he would do a lot. She had to take a quick deep breath before continuing: "I wanted to… apology for the other night.”

The words nearly burnt her mouth as she was saying them. It cost her a lot to admit her wrongs, yet his cold eyes only started at her, and he spoke no words back. She didn’t know how she wanted him to react, but his absence of reaction startled her, and only made her want to justify herself further.

“I wasn’t in a good mood,” she added.

“You are not the only one to have bad days,” was all he said before leaving.

Taken aback, Y/N watched as he climbed the stairs and disappeared out of his sight. She couldn’t believe how much of a jerk he had been. She swore this was the last time she would ever speak to him.

22nd of December

Y/N rarely overslept.

The only reason for that was that she didn’t sleep a lot. Ever since the blip, she had trouble finding sleep and then, staying asleep. It was like her body had a big fear of missing out on everything and anything, so it just let her sleep the number of hours she needed to keep going. She would have thought that with the double shifts she was doing, she would have slept better, but she didn’t. Instead, she stayed wide awake in her bed, fixing the ceiling, eyes heavy with tiredness. She had all this time to think about the misery of her own life.

However, it seemed that night that the tiredness had gotten the most out of her, and as she never set an alarm clock – because she rarely needed, she was now going to be late for work. She took only a couple of minutes to get ready, drink a coffee and brush her teeth all at the same times. Ten minutes later, she was already grabbing her stuff and putting her coat on.

As she opened the door of her apartment, she came face-to-face with her neighbour going up the stairs. They both immediately stopped in their tracks.

He looked at her. Her eyes still puffy from the fact she had still been sleeping less than fifteen minutes ago. Hair all other the place even if she had put hair clips in them to keep them into place. She had dressed up in such a hurry, the shirt of her uniform was halfway in and halfway out of her pants.

She looked at him looking at her. With the same frown on his face and the same cold glance. Just this time, the circles around his eyes were darker than ever and he looked much more tired than her. For the first time, she saw something vulnerable in him, a flash of sadness in the blankness of his face.

They looked at one another. So different yet somehow similar. With their inability to sleep properly, the memories that kept them up at night and their resentment about this life that had been taken away from them. Both of them with all their trauma and weaknesses. With their constant melancholy and sometimes, their good days.

They looked at each other some more and then they both continued on with their day.

24th of December

Y/N was just settling on her couch – which was also her bed – in front of the TV, wrapped in her fluffy blanket and two pairs of fleece socks on her feet when she heard a knock on her door. She froze instantly; bad memories coming back to her in an instant. She had been visited a few times by different people always banging on her door at sunrise; each time, it never had ended well. Per pure reflex, she held her breath as if whoever was on her front door would be able to hear her - the walls were probably thin, but not this thin.

After counting to ten and not hearing anything else, she relaxed into her sofa. It was probably just her imagination at this point, this was how tired she was. She reached for the remote on the coffee table and started an episode of her favourite TV show. This was when she heard a knock for the second time. One time too many for her.

This time she paused her show and got on her feet to have a look. Sulking for the five steps it took her to go to the front door, she opened it bluntly and was surprised to find her neighbour ‘The Grinch’.

He looked at her, surprised and she looked at him, probably even more surprised. Her gaze turned instinctively to her feet and the fluffy pyjamas she was wearing. She couldn’t help the heat crawling up her neck, so she looked back to him and her eyes got stuck on his hands. One of flesh and one of metal. Holding a metal box between them. That he was now holding up to her.

She frowned.

“For you.”

Her eyes moved up to his face again, to check if he was serious or not. She could have fallen asleep the minutes her show started and be dreaming; though from how cold her feet were, she was pretty sure she wasn’t. Nothing on his face indicated he was joking – he didn’t seem to be the type to joke anyway. He wasn’t actually frowning, but he still had a small wrinkle in between his two eyebrows from all the frowning he was doing that somehow it still looked like he was. She wouldn’t say the expression on his face was friendly, but it had something that for once made her not want to close the door on his face.

Perhaps, it was because of the straight line his lips were in. They which were was usually so pink and so… luscious. From that, she couldn’t tell what he was feeling right now – was he nervous? Or simply contemplating all his life choices now that he was in front of her. She knew it was costing him to be here in front of her.

She looked back at the metal box in his hands; was he really expecting her to take it?

“My ma’ used to cook cookies for our neighbours,” he stated as if it was the most obvious thing in the world. His glance adverted to the ceiling as if he was looking for the right words to continue: “I thought maybe… this was a good way to apologize. For the other day…and all the times before that.”

This time, it was Y/N’s time to stop frowning – she would have to check later if she had also a wrinkle. She took the box he was handing her and nodded, in some sort of way to mean ‘thank you’. The box was heavier than she had expected it to be. She wondered if he had made them himself, like his ‘ma’ was probably doing.

“My name is Bucky by the way.” Was all he said before leaving her like that, a box of cookies in her hands.

25th of December

Working at a restaurant had its own perks. One of them being that Y/N could have at least one meal a day in the form of the staff meal. And on special occasions – like today – she could even get home with leftovers, most of them she would normally stock up in her freezer to make sure she had something to eat in the next couple of days.

That day though, when she climbed up the stairs, she didn’t stop on the second floor where her apartment was. Instead, her feet got her to the fourth floor, on the second door on the right. One she had never been to and yet, she knew exactly where to find it.

She didn’t hesitate one second before knocking, though the few seconds she had to wait she did get cold feet and wonder if it was really a good idea. Bucky did have gifted her handmade cookies – she had eaten a couple after he left while watching her favourite show, and it was the best she probably ever had. However, it did not mean they were now friends. They were just two adults, seeing each other in the hall of their building sometimes. That was all… Then, why was she so damned pulled towards him?

Bucky opened the door when she was about to turn around. He had a blank tank top and black pants on. Thankfully, he did not seem to be in the middle of a Christmas dinner and his apartment was pretty quiet behind him. His usual frown had been replaced by raised eyebrows. He was surprised to see her, on Christmas day, in her work clothes, at his door. He would have probably expected her to be in her family, with her friends or boyfriend, even. Instead, she had nowhere better to be than in front of him, right now.

They stared at each other for what seemed to be a long time, before his cat – Alpine as he called after, while trying to stop it to get outside his apartment – came to rub itself against her legs. She immediately lowered herself to scratch it behind the ear and Bucky observed them without a word. His cat, who was usually more than a little fearful of people it didn't know, was on the verge of lying down on the floor and beg for belly rubs.

“Are you on your own too?” was the only thing he spoke, and she got back on her feet, suddenly remembering why she was actually here.

“Wanna share?” she asked while showing him the paper bag in which she had the leftovers from the restaurant.

His eyes scanned her face a little too long for Y/N’s liking that she grew nervous. She felt like an idiot, believing… whatever – she wasn’t even sure she was believing. She was just lonely, having been alone for too long. The only people she hung out with would be her colleagues, on her work time – and they had taken a drink together after work a time or two. Most of them were students or only planning to be in the job for a couple of months before bouncing back. None of them was like her, as if she had been the only one to disappear off of the surface of the earth.

Over the last few years, she had repeated to herself – over and over again – that she didn’t need anyone. It was true somehow; she was fine alone. It was just that today she wanted a break from all of this, and she had thought of him. Because she had seen the veil before his eyes. She had seen it on hers before. She knew why… He was just like her. And perhaps, she had thought, they could be alone together. That was what they called the Christmas spirit, no?

“I mean, I’ve got more than enough, and you can have some. We don’t need to eat together. Totally fine if you wish to be alone.” She overexplained, speaking so fast he couldn’t say a word, even if he wanted to. She was just going to go home anyway. It was probably already late in the day; she would eat some food because she could – it was a victory on its own. “And you’ve probably already eaten, it’s fine. Don’t mind me.”

She was going to turn around, but he stepped on the side, making room for her to get in. Alpine instantly trotted in, its tail straight as a pick.

“I’ve got Gin,” was all he said again. A man of a few words he was.

And that was how they would both of them spent their first Christmases with someone in years. They would drink gin, try a bit of every leftover Y/N had gotten and finish by some kind of French pastry neither of them knew how it was named. They would speak for hours – or sort of, it was a few words here and there, making sentences altogether. They would have a good time and when it was time for Y/N to go home, she would suggest doing it again and Bucky would smile in response. A soft smile that would warm her heart forever. A smile that illuminated his whole face and probably his life.

And perhaps that was what exactly what she had come to find that night.

Some warmth.

[cathkaesque]

I helped make something really cool happen with a really wonderful group of former farmworkers. About a month ago I was contacted by a group of former farmworkers from Latin America. In 2023, they were part of a group of 130 workers recruited from Chile by a farm owned by Haygrove, a multinational berry producer, via their affiliate there. They were offered loans for flights to come work in the UK on the Seasonal Worker Scheme, and promised decent hours and life changing wages.

When they arrived in the UK, they were held on a campsite for 12 days without any income, and only signed their contract when the fruit was ready so Haygrove didn't have to pay them; the hours were extremely variable, and their earnings way less than they were promised; they were only paid for the time they were picking, and had to meet very high targets of 18kg of cherries an hour to avoid punishment; the supervisors discriminated against them, giving them the worst fields and giving the best ones to workers of the same race as them, and making them do unpaid work that others didn't have to do; and then to add insult to injury they were asked to pay back their loans, which cost way more than what they were told in Chile. 88 of the workers went on strike against this.

The farm then said they would pay for flights home for those who were having a bad time, as a way of getting the ringleaders out of the country. 30 of them signed up for this. 6 of them got their flights paid for; the others then suddenly found themselves dismissed, or being denied all work altogether. They (it is unclear whether this was their own decision or at the farm's encouragement - I've heard both) went to London to wait for their flights, and then recevied a message saying that they had absconded and that they were no longer the farm's responsibility.

They were left penniless and homeless for a signficant period of time, and now living in Salvation Army accomodation, who are contracted by the UK government run safehouses for people who are potential victims of trafficking. They have been treated abysmally in them. The Salvation Army was set up in the 19th century to provide a militarised, disciplinarian approach to poverty and they maintain that attitude in their treatment of the workers. They are now awaiting the outcome of employment tribunals, supported by the UVW union and court decisions over whether they are victims of trafficking and exploitation.

One of the worst things about this situation is that I know of many workers in the same situation, workers who were dismissed, overcharged to come to the UK and couldn't earn enough to pay their debts, intimidated by debt collectors in their home countries, living in the same sort of limbo trapped in the UK. The Seasonal Worker Visa scheme these workers were recruited on, which governs the arrival of 43,000 farmworkers, ties workers to a recruitment agency which places workers on farms they have contracts with. They are not allowed to change employer without their permission. They are only allowed to stay in the country for 6 months (any longer would count towards net immigration figures), while only now 2 years later are they having initial hearings around their employment tribunal. Other workers have waited longer for their case to be heard, and others were failed completely by the tribunal process.

The workers have been left no choice but to demonstrate, demanding justice in their case, improved conditions for farmworkers, and the right of residency in order to pursue their case and as compensation for their treatment. The demo was covered in several news stories and you can find some good photos here. We had prepared a dossier of evidence of trafficking, mistreatment and exploitation to present to the Home Office but they refused to take it.

Of course, if Haygrove want to threaten me with libel law, all of this is "allegedly" and to be decided in a court stacked against these workers in the coming year. I think their boss Angus Davison should take some cash out of his £181,000 a year salary, or maybe some from their 3 executives average salary of £120,000 salary each (director renumeration on page 20) to sort out the situation, but that's just my personal opinion.