#sorry that this is actually longer than most crucial government documents

[highdefinitions]

Rain being a prick (lovingly) is my new favorite thing ever I think and I really don’t think there’s a better way to sum up the bastard than that lmao

but oooo would love to hear your hcs!!

LMAOO I DIDN'T KNOW HOW ELSE TO EXPLAIN IT OKAY!!

also...apologies in advance but i have a GOOGLE DOC of my ghoul hcs and well...rain's section is like the second or third longest so don't say i didn't warn you... going to put them all under the cut for space reasons... it gets pretty long... apologies in advance for the fuckin essay i gave you to read but like YOU ASKED FOR IT YOU OPENED THIS DOOR..

like i said, prick (lovingly). he's a charmer, a sarcastic prick and sometimes breaches the level of being an outright dickhead, but nobody faults him for it. it's who he is, how he is. he's lovable almost, he turns it into something different that anyone else is able to (i'm way better at writing it than i am explaining it, i think... comes out better in dialogue)

so this was like the first thing i ever wrote about rain btw but... although he's super friendly and has never really given anybody issues about anything or picked a fight about something, something is...very off about him. like waaayyy off. he's super off-putting sometimes in a way that nobody can really describe but sometimes it's super duper jarring to everybody. because he's Nice!! but he's so fucking Weird!! and not even in like a super obvious way but in a way where if you spent too much time around him you really start to notice it.

and i have reasons for this!! drumroll please.... it's because rain's not from hell, but rather from limbo! yeahhh he's not all the way normal. and that's okay. everybody still loves him. sometimes he freaks the fuck out of dew and swiss but they Love him!! ALSO he's got the tiniest bit of quintessence in him that's he's not been able to control because he didn't entirely know he had it (aether figured that one out) ((copia's never been able to summon a Normal ghoul))

but despite all this weirdness and off-puttingness (? that's not a word), everybody loves him. he doesn't necessarily bother anybody, it's almost like he's not even different to anyone anymore, but sometimes, you notice his ways are a little unconventional. he's definitely different from everybody else, but it takes a lot more looking into now. when he was first summoned, he was a disaster. the only people that didn't seem at all bothered by him were aether, mountain, and copia. cumulus tried, she really did, and for the most part it worked but sometimes...

most definitely the scariest when he gets angry. doesn't happen often and it takes a lot to really break to that point, but holy fuck when he's angry it's terrifying. mostly because it doesn't happen often, but also mostly because he goes Cold (physically and figuratively)

he's just about as good of a troublemaker as dew or sunshine or swiss are. he's just better about keeping himself out of trouble. he's a sneaky bastard. and 9/10 he feigns innocence so well everybody just turns the other way because "rain would never." but he would. every time. he would. conniving prick. sometimes if he's good enough about it, feeling particularly like an instigator, he'll line it all up so dew gets into trouble for it.

now i guess some weird & random hcs i have about him... he likes to drink saltwater, mostly for headaches (don't ask him how it works, it just does)

he's very good at puzzles, like disgustingly good

loves apples, but not the peel. and he doesn't like to cut it up himself, but much rather prefers when somebody else does it for him. he'll just carry around an apple until somebody takes it from him and cuts it. it's usually mountain. he'll cut it up into slices too ...i definitely did make this hc into a fic

he's the best at pool. it drives dew and swiss up the wall that they can't beat him—even if they're on a team together against him. rain sometimes like to hustle the siblings that don't know about his skill. he thinks it's funny. he's definitely hustled copia a time or two about giving him a break from band practices.

really likes horror movies but he gets scared when he watches them alone so he always drags somebody into his room to watch them with him. but he's also always grabbing onto them and subconsciously squeezing a little too tight during tense parts. ALWAYS jumps at every jumpscare but pretends like they don't get him.

SORRY THIS WAS SO LONG IF YOU READ THIS ALL YOU DESERVE AN AWARD I THINK I AM SO SORRY I CANNOT SHUT UP ABOUT RAIN OHMYGOD

[mysydneymemories-blog]

Motherhood offers greater rewards than parliament

I wish Kelly O'Dwyer well in her choice to spend more time with her family. I advise her that young children ask a lot of questions and want answers relevant to the subject. -Bea Hodgson, Gerringong Kelly O'Dwyer has legitimate reasons for quitting politics, but no doubt other Coalition members will be jumping ship in the lead up to the election for less than honourable reasons. I suspect the prospect of at least six years in opposition, or worse still, suffering the humiliation of losing their seat, will prompt some not to recontest as election day draws nearer. -Graham Lum, North Rocks The Liberals' Kelly O'Dwyer and Senator David Bushby ("Liberal senator announces resignation, gets plum overseas post 60 minutes later", January 19-20) have announced their resignations. There will be more to come as the thought of those long, lonely years in Opposition begin to keep our Coalition representatives awake at night. And if you are a woman in the Liberals and Nationals? You could be the last one standing. -Wendy Atkins, Cooks Hill Our environment should be an Australian value I was prompted by the values ("Australian values: what the bloody hell are they?", January 19-20) article to read the government's booklet for would-be Australian citizens, Our Common Bond. Not one serious hint of Australia's amazing biodiversity, except for floral emblems and the odd picture of a gum tree. Not even a koala or kangaroo, except for the coat of arms. Many people new to a place find connection, beauty and solace in the natural environment of their new home, just as many Australians serving overseas in world wars found comfort in receiving gum leaves or wattle sprigs pressed between pages of letters from home. Maybe even a mention in the government booklet that Australia is the home of the gum tree would be some acknowledgement of what contributes to make Australia distinctive, and hopefully engender a love of the incredible animals and plants that exist only here. -Jane Gye, Cowan When I came to Australia in 1970, the widely held values of the time supported separating Indigenous children from their parents, keeping married women out of work, racism, keeping "new Australians" in their place and hating Japanese. The White Australia policy was still widely supported. Corruption, in NSW and Victoria, was widely tolerated. Rather than having an obligation to accept the values of my new country, I had a clear obligation to oppose them and to lend my support to those who sought to change them. New South African citizens at that time had an obligation to oppose, not support, the values of apartheid. And, for goodness sake, what values should new German citizens have adopted at the start of the 20th century? The very idea that anyone has an obligation to adopt Australian values just because those values are Australian is absurd. -Martin Bibby, Beecroft In 1956, I "swore allegiance to Her Majesty, Queen Elizabeth the Second, her heirs and successors" at a ceremony conducted in the Blacktown Shire Council. I sent my Certificate of Naturalisation securely encased as a scroll to the NSW Department of Education to qualify for permanency of employment. The document was returned to me folded several times and no longer suitable for mounting and display. As an avowed Republican, I have made inquiries about renewing my allegiance to Australia and its people, rather than the British monarchy. (PS I will abide by any dress code nominated by ScoMo but will not wear a baseball cap.) -Ferdo Mathews, Robina (Qld) Diversity equals quality in politics The excellent editorial ("It is time to bring outsiders inside Canberra's bubble", January 19-20) gets to the heart of Australia's political system problems. Lack of diversity and quality in the parliaments. It goes beyond the gender issue. Remarkably two other articles in that edition concentrate on the same problem: Eryk Bagshaw's "No more diversity, lots more staffers" (January 19-20) and Michael Koziol's "Why era of box seat independents is almost over" (January 19-20). What is missing in these pieces are two crucial questions: why is it so? and what can be done about it? The cause is the single-member-district electoral system. The remedy: introduction of proportional representation open party list, used in 90 other countries. As the major parties have no plans for governance system change, the minors and independents should get the ball rolling. In addition, drop the Westminster practice of selecting governments only from elected MPs. The talent pool available in the wider society is really much larger. -Klaas Woldring, Pearl Beach Is it better to have a "bubble" than a "swamp" in Canberra? -Ciaran Donnelly, Lane Cove West Hemp is the answer If the cotton farm fields are so empty of crop, and the return on harvest as low as reported ("Cotton industry rejects blame for ailing Darling", January 19-20), now would be an excellent time to transition to growing hemp. The move at this time would give them everything to gain and very little to lose. -Anthony Healy, Willougby East No butts about it So Wendy Squires was "talking out of her butt", was she ("True blue furphy: Australia is changing, but not for the best", January 19-20)? Sorry, luv, here in Australia the word is "bum" or "arse" or, if you are in polite company, "bottom" or "behind", although those who have upper-class pretensions might use "derriere". -Ian Falconer, Turramurra Lack of support That the alleged killer of Aiia Maasarwe ("Aspiring rapper held over student's 'horrific' killing", January 19-20) has been arrested is good news. More disturbing is the young man may be suffering from mental health issues and is perhaps homeless. That such a young man is no doubt filled with our society's many unhealthy attitudes towards women, the other question to be asked, is how is it okay that in such a wealthy country as ours do we tolerate the failure to support those suffering from mental health issues, and their all-too-common partners of unemployment and homelessness? We should all be able to walk our streets in safety, but we should also look at the growing disparity in wealth and how that affects the lives of those born into poverty and hopelessness. -Colin Hesse, Marrickville Engineering consent Thank you for your article, Elizabeth Farrelly ("NSW, where any mug can be an engineer", January 19-20). Should we wish for a tsunami to destabilise these atrocious buildings? Seriously, we've never had really good buildings in Sydney, nor in the whole state. No wonder we pay to stay in weird European flats that were built in the 16th century. Despite the wars, they stand. The showers beggars belief, the kitchens are invariably minuscule, but we like the streets they line, the towns they blend into. Ah well. -Carolyn van Langenberg, Blackheath Elizabeth Farrelly points out a lot of the problems that have been around for a long time in the engineering and construction industry. The peak professional engineering membership body, which only accepts engineers who have qualifications acceptable to the body, is the Institution of Engineers Australia. Members have the post-nominal MIEAust, but there is no requirement for engineering/construction companies to employ engineers with this qualification in NSW. For many years the institution tried to get a distinguishing word for "professional engineer", which could only be used by MIEAust members. This appears to have been unsuccessful, consequently anyone can call themselves an engineer with or without qualifications. -Ian Nicholls, Baulkham Hills Long weekends a must In answer to Stuart Dorney's letter about the placement of Australia Day (Letters, January 19-20), before 1988 that is what happened, the last Monday of January was Australia Day, until a politician decided we should celebrate it on the actual day. The "last Monday" was low-key, none of the hype and hyperbole we have now, plus most businesses were closed so the majority of the population could have a weekend to celebrate or commiserate the day. Remember when Australia was "the land of the long weekend", now we are a global city business must be open for the tourists or the locals who forgot the bread. In this election year, both state and federal, let's pressure the politicians to give us back our long weekend. So Michael and Bill, if you win, can we go back to the future, give us back our long weekends? -Robert Pallister, Punchbowl Last century Australia Day used to be moved about to make it a long weekend. Does that mean you would change your birthday to the nearest Friday or Monday? -Ron Field, Bermagui Germany's friendly fire Edward Houghton-Ward declaimed De Gaulle's antipathy towards England and Churchill in particular (Letters, January 19-20). Elsewhere in Europe, the Germans had their own problems. Due to vaulting ambitions and professional egos, Admiral Raeder (Kriegsmarine) clashed with Marshall Goring (Luftwaffe) over the tactical use of air power in support of their naval operations. Communications were so poor that once, early in the war, the Luftwaffe managed to sink two German destroyers. The Royal Navy was delighted. Inter-service rivalries are a killer. -Mike Fogarty, Weston (ACT) More design flaws? Given the problems surrounding the construction of Arthur Phillip High School are sufficiently serious to inspire a decision to build no more high-rise schools in NSW ("Blowouts spell end for school high-rises", January 19-20), it seems reasonable to ask why the design process did not reveal at least some of them? -Norm Neill, Darlinghurst Service interrupted Also, Rob Hughes (Letters, January 19-20), the tennis champions you named don't go through an elaborate, time-consuming routine before serving, unlike Nadal, Murray and many women. With all their years of experience could they not learn the simpler way? And with ball boys and ball girls available there is no need for players to keep spare balls. Keeping one in a pocket is one thing but there is no such special provision in women's pants. Why do they do it? -Roger Henderson, Wollstonecraft CANARY TIME How delighted I was to see Clive Palmer's political advertisement in the Herald (January 19-20) highlighted in yellow. It helped my eye look elsewhere immediately. The colour is so appropriate, just like a canary in a nickel mine. -Deb McPherson, Gerringong I see from Clive Palmer's large in-your-face ad that we need more women in parliament. Palmer says that women "should be accepted not just because of their beauty". If that is the barometer for their acceptance in parliament then it seems we really do have a long way to go. Sack your copywriter, Clive. -Judy Hungerford, North Curl Curl CASSETTE REVIVAL I hope they know they'll need a pencil to wind the spool on when it gets loose ("Music fans hit rewind in cassette fad", January 19-21). -Michael Deeth, Como West ROYAL PAIN It's a stain on Australian bodies and institutions that we need royal commissions, with probably more to come, to investigate wrongdoing in society. Why not have a royal commission into royal commissions, and while we are at it, one into the Tomic and Hewitt feud? -Corrado Tavella, Rosslyn Park (SA) Most Viewed in National Loading https://www.smh.com.au/national/nsw/motherhood-offers-greater-rewards-than-parliament-20190120-p50sin.html?ref=rss&utm_medium=rss&utm_source=rss_feed

[mangafreakinrocks-blog]

What Is Mortgage Fraud For Profit?

The Story:In 2007, Sally was having problem staying on top of her home mortgage payments, and by September, she received a foreclosure notice in the mail. A couple of days later, she was called by a guy who stated he could help. He claimed she could have a look for $40,000 to assist pay her bills, and she would not have to stress over repossession any more. Sally authorized papers in late October at a title business in Maryland. She went home with a $40,000 check and started making her brand-new residence repayments to Area Properties in December. 9 months later, Sally began having trouble making her home payments once again. This moment, instead of a foreclosure letter, she obtained an eviction letter in the mail. Sally gradually realized that she no longer had her house; she was just a tenant. In a panic, Sally called Area Residence. The guy that responded to the phone informed her that Subprime Home loan Co. held two finances versus the house, one for $264,000 and also one for $66,000, yet she could acquire her residence back for $360,000-- 3 times the home mortgage she had a year earlier. Sally's earnings and debt were not good enough to buy her house at that cost. The guy claimed, "I'm sorry" and also hung up.The Account:Like hundreds of District citizens, Sally came to be a sufferer of mortgage fraudulence commercial, sometimes called "equity skimming." The plan she succumbed was orchestrated by a range of individuals, including a mortgage broker, realty agent, appraiser, "investor," "straw customer," and "bird dog." Each person in the plan received a part of the equity in Sally's residence. Ultimately, Sally shed her residence, Subprime Mortgage Co. confiscated, and the team that orchestrated the fraud made greater than $100,000.This fraud is different from aggressive borrowing, partly due to the fact that Sally never ever made a lending. Predatory lending generally involves a single loan with incredibly high fees and a high rates of interest made to a property owner or reputable purchaser. Mortgage scams for profit is generally a more complex scheme including a filled with air assessment, falsified finance applications, equity skimming, property flipping, and also occasionally identification theft. The consumer is commonly a straw purchaser, who never plans to occupy your home. The mortgage settlement is paid by the investor, or a business managed by the financier. Ultimately, the capitalist quits making home mortgage payments, compeling the lending institution to confiscate, or offers ("turns") your home for extra profit. San Jose Homes for Sale In a common mortgage fraud commercial scheme, a bird dog looks for troubled houses by examining public real estate documents and also owning around targeted areas. When a home is identified, the attendant reports the address to the capitalist and receives $1,000 approximately for the service. A straw buyer, that is a person with great credit report or an incorrectly inflated credit report, poses as a buyer. In many cases, a straw customer is a taken identity; the person whose name is stolen may uncover the theft when debt is refuted or the acquisition shows up on a credit rating record. In some cases, a straw buyer is a participant in the plan-- a professional straw purchaser. In most cases, nonetheless, a straw customer is a person who listens to by word of mouth through family, close friends or colleagues that someone will certainly pay $5,000 to $10,000 for the use of his or her name. Similar to many monetary setups that seem as well excellent to be true, an one-time straw buyer often discovers that things do go wrong: his credit may be wrecked due to the fact that the mortgages are not paid, he might be explored by law-enforcement for scams, or he might be charged with conspiracy theory.In addition to guardian and also straw buyers, a mortgage broker and appraiser are essential individuals in a home mortgage fraudulence commercial. Normally, both are energetic participants in the plan and also obtain loan for falsifying records. Other industry experts who play a crucial function are workers of a title firm that produce closing records as well as disburse funds after a sale is finished. Experts who have access to credit report databases or software that creates W-2 forms and pay stubs likewise join the scheme. As reported in the 2006 FBI Financial Crimes Report, 80 percent of all reported mortgage fraud losses include industry experts. Maybe this is why home mortgage fraud for profit has actually become so widespread throughout the country. A homeowner facing repossession is easily persuaded by a specialist home loan broker, as an example, that he ought to authorize agreements that convey his home to someone else. Individuals have the tendency to trust professionals in the economic industry. This is among the reasons that federal government regulations calling for financial market specialists to preserve specific criteria are so important for the security of consumers.