#wedding day dti

[roomselfcontain2]

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[ollies-headcanons]

greek gods playing dti LETS GO

Zeus - doesnt know what hes doing, votes no one, endsup breaking his phone. He didnt have a favourite theme but he really liked those people that made the avatar naked for.. some reason.

Poseidon - Is also confused but makes a few ok outfits and gets pissed off that he cant have long hair with the male bodytype. His favourite theme was the elemental one because he did water

Hades - finds it amusing but gets bored easily. Voted okay. His favourite theme was ancient civilization.

Hera - Finds it fun because of all the femininity in it. Her favourite theme was wedding day

Athena - found it a waste of time, voted fairly, the only theme she liked was book charatcers

Apollo - He LOVED it. Had so much fun. He screenshots all his outfits and votes fairly and is the one thats really nice in chat. His favourite theme was dark vs light because he did light.

Aphrodite - Her and Apollo teamed during it and they both loved it. They did duos too. Her favourite theme wass valentines day. She voted all the pretty outfits well.

Dionysus - He found it fun but was also pissed at the lack of male clothes, men not being able to wear dresses or have long hair, etc. He loved the musicals theme though. He was also mad that there was no wine in the game. He did NOT vote fairly at all.

Hepheastus - He was really good at layering and tried to vote fairly. His favourite theme was steampunk for obvious reasons.

Ares - Got SO mad when he lost. Did not vote fairly so that he would win. His favourite themes were the ones he placed in.

Nyx - Did not know what to do either but she was really good with dark themes

also honorable mention achilles and patroclus would secretly love it and duo together and make make their outfits kiss

[literallyangelshaw]

Im giving myself an ANON name now YAY

(Guy who was too scared to make pocs because lack of representation shall hence forth be dubbed; 🖍️. Why? I LIKE CRAYONS.)

Please tell me more about this oc. In depth.

- 🖍️ anon

Probably gonna be on DTI all day so I thought why not craft some listener oc looks and yap about them at the same time!! Starting with the OC I mentioned to this anon yesterday.

Hera! (Infodump under the cut)

This is Hera's Wedding Outfit

Hera is 5'0 tall due to a multitude of short folks in their familial ancestry, they're transmasc but hyperfeminine. They're pansexual and I strayed a bit from canon Angel stuff here but, I made them a child star/model. Their mother pushed modelling onto them in middle school and from then on they grew up learning that they were nothing more than a pretty shell, because that was all anyone cared for.

When they met David, it turned their world upside down because he was one of the very few people who were blunt with him and didn't try to lie his way into their pants. Which made them want him more.

Micheal was a late highschool-early college on and off relationship, he'd often cheat and then proceed to gaslight and manipulate Hera into staying because nobody else would want to put up with them. Because the only reason anyone would want them is for their body; which was now "used up" and "ragged" because of how often he and Micheal would sleep together.

I imagined Hera to be with a Hispanic David, as they had a Spanish speaking mother and are therefore relatively fluent.

Hera has an ass tattoo

Hera was often forced to straighten their hair for his modelling career, now he dyes it and wears it naturally, and David fucking loves it.

Occasionally he'll even help Hera style it, and then they'll finish, and then they'll start making out, and then they'll get freaky..

Anyways Hera!

[jerzwriter]

List of Your Ten Childhood Ships

Thanks @thefirstcourtesan for tagging me. I'm so showing my age here, lol I'm going to count "childhood" right up through the end of high school for these purposes. God, I'm straining my brain. lol What's sad is, outside of Jodie Dallas on Soap, I cannot even recall a queer character, much less pairing, from my childhood. How sad is that? So this list is def hetero as it comes.

This is in no order - not really...

Princess Leia and Han Solo - Star Wars: OK, this was THE couple of my childhood. I was OBSESSED and still am. There was NO better movie than The Empire Strikes Back. The "I love you." "I know." sequence. Goddamn, I've always had a type; it goes back to childhood. I'm ashamed (not really).

Lando Calrissian & Princess Leia - Star Wars: OK - this is bringing back memories - and this is fucking crazy - I did write fanfic as a kid, and it was a Han/Leia/Lando triangle (as good as a 5th grader can write...). God, I'd kill to have that notebook now, and OMG, what a predictor for DTI. 😂😂😂 Even as a tween, I knew that would have been some juicy triangle that never came to be. lol

Sandy & Danny - Grease: Some asides. I was WAY too young to be watching this when it was out (my Mom was insane). Most of it went over my head, and in retrospect, I am so anti-most messages in Grease - but that doesn't mean I don't still love it. I do. And OMG How I loved Sandy & Danny and danced around my living room pretending I was them. lol

Jessie & Angie - All My Children: I was a soap junkie, so I have a lot of soap ships - but this is one of my all-time favorites. A modern-day Romeo & Juliet, and the soap world's first true black super-couple. Angie's well-to-do family forbade a relationship with her obvious soulmate, Jesse. They eventually got together, but in true soap fashion, that didn't last. A death that wasn't really a death, among other things, impeded. But how I remember watching those summers and rushing home from school to check the VCR and pray it recorded. lol OLD SCHOOL!

Kevin & Winnie - The Wonder Years: This was the sweetest show and first love story. The ending was so poignant and probably led to my penchant for beautiful but heart-wrenching endings. I need to rewatch this sometime.

Maddie & David - Moonlighting: This one makes me sad, thinking of Bruce Willis's current condition. 😢 These two drove each other crazy, but the sexual tension radiated from the TV screen. They were the ultimate "will they???" couple, and even when they did, they still never really got it together, but that didn't mean I stopped rooting for them. Sadly, this show is just about completely not available on streaming/reruns due to musical copyright issues.

Nina Cortland & Cliff Warner - All My Children: Told you. I was a soap addict, and AMC will forever be my favorite show. I don't remember how old I was, but I remember that their wedding took place THE DAY that we went back to school, and my prepubescent little girlfriends and I LOST OUR SHIT. This wasn't the days of reruns, this wasn't the days of DVR, this wasn't even the days of Soap Central (y'all don't even know what that is). These were the days of "You missed it, bitch - so sad." And I was...I was...

Maria & Georg - The Sound of Music: OK - I loved musicals from a very young age, and I am forever obsessed with The Sound of Music. I had a mad crush on Georg as a young girl, proof that assholes with a heart underneath it all have ALWAYS been my thing. lol

Dwayne & Whitley - A Different World: It was not a pairing I liked the idea of - initially. Whitley was such a spoiled, obnoxious, rich princess at the start, and Dwayne didn't seem like he'd ever have a chance, but as time moved on, they made it work, and I tuned in each week, dying for them to finally get together.

John & Claire: The Breakfast Club - What can I say - I have a type? lol This was the iconic couple of my teen years, and if had been writing fanfic at that time, I would have had a treasure trove for them.

Tagging @jamespotterthefirst @liaromancewriter @lucy-268 @genevievemd @angelasscribbles @icecoffee90 @cariantha @doriopenheart @peonierose @potionsprefect @coffeeheartaddict2 @lilyoffandoms @storyofmychoices @annoyingmillenialnewbie @utterlyinevitable and anyone who wishes to jump in and play!

[firstaidspray]

Why is wedding censored on roblox like the dti theme was "favorite thing" and I went all sparkly n shit and said I was my engagement ring and it censored that too so I tried wedding ring and it censored it then it also censored wedding when I did a look where I got left at the altar on Valentine's Day...it's so weird like why is that censored they love divorce and hate marriage ig

[kriti2024]

Personal loans are like financial superheroes, swooping in to save the day when unexpected expenses arise or dreams need funding. But before diving into the world of Get personal loan, it's essential to understand one critical factor: gross income. So, what exactly is gross income, and why does it matter when applying for a personal loan? Let's find out.

What Is Gross Income?

Gross income is simply the total amount of money you earn before any deductions, like taxes or insurance premiums, are taken out. It includes income from all sources, such as your salary, bonuses, rental income, or any other earnings you may have.

Why Does Gross Income Matter?

Gross income isn't just a number on your paycheck; it's a window into your financial health and stability. Here's why it's crucial when considering a personal loan:

Loan Eligibility: Lenders use your gross income to assess your ability to repay a loan. A higher gross income often means you have more money available to make monthly loan payments. This increases your chances of being approved for a personal loan and may even qualify you for a larger loan amount.

Interest Rates: Your gross income can also influence the interest rate you're offered on a personal loan. Lenders view higher income earners as less risky borrowers, so they may offer them lower interest rates. On the flip side, if your gross income is lower, you might be considered a higher risk, leading to higher interest rates on your loan.

Loan Amount: The amount you can borrow may also be tied to your gross income. Lenders typically have minimum income requirements for personal loans. If your income falls below this threshold, you may not qualify for certain loan amounts.

Repayment Terms: Your gross income can impact the repayment terms of your loan. Lenders may offer more flexible terms, such as longer repayment periods or lower monthly payments, to borrowers with higher incomes. This can make it easier to manage your loan payments and fit them into your budget.

Debt-to-Income Ratio (DTI): Lenders also consider your debt-to-income ratio, which compares your monthly debt payments to your gross income. A lower DTI ratio indicates that you have more disposable income available to repay additional debt, making you a more attractive borrower.

Incorporating Gross Income into Your Personal Loan Journey

When applying for a personal loan, it's essential to understand how your gross income factors into the equation. By knowing your gross income and how it affects your loan eligibility, interest rates, and repayment terms, you can make more informed borrowing decisions.

At My Mudra, we understand the importance of gross income in the personal loan process. That's why we offer fast approval personal loans with easy online application processes. Whether you need funds for a wedding, vacation, medical emergency, or any other expense, we're here to help.

Conclusion

Gross income isn't just a number; it's a key determinant of your financial health and borrowing power. By understanding its significance, you can navigate the personal loan landscape more confidently and secure the funds you need to achieve your goals.

So, the next time you consider apply personal loan online, remember to factor in your gross income and choose a lender like My Mudra that values your financial well-being.

[jerzwriter]

I've melted... and it has nothing to do with the heat....

Ethan wasn't sure how he managed to walk into Chris's room and calmly sit down. He had such a rush of feelings as he looked at her tear stained face. The first was how unfair it was that this was where they ended up after everything they'd been through. He loved her. He doubted there would ever come a time when he didn't. The thought of losing her cut to the quick. His life, he couldn't even begin to imagine what it was going to look like after today.

OK - again - DTI flashbacks and all that guilt is rising to the surface again! lmao

Anger and fear melded together, forcing him to want to fight the inevitable. He knew Tobias was right. It galled him to admit it, but the man knew him and Chris too well. He saw right to the heart of the matter just as much as they wished to remain blind to it.

Ugh. This is so real. I've seen this in life so many times. Love is never enough. Not when you don't want the same things. In time, resentment builds, and it's a mess... it's so hard to let go, but unless one person can genuinely change, it's not going to happen. UGH.

He knew there was no reason to bring up Tobias's confession. As much as he wanted to blame him for what was happening, ultimately it came down to Chris and himself.

OMG YES! YES YES YES!

Oh and the conflicting emotions Chris is feeling.... uuuughh, that's so hard.

Swallowing back a sob, she whispered. "You were the man of my dreams." A sad smile formed on lips she knew too well. "That's the thing about dreams, Chris." His voice was hoarse with emotion. "Eventually, you wake up and see reality." He lifted their clasped hands to his cheek. "You and I have been dreaming long enough."

OK - I'm crying. But that was beautiful. Well done!

"I know we'll need time." She sniffed. "Do you think that one day we could find our way back to being friends?" He hesitated at the notion. With how much he felt for Chris, he didn't know if he could take simply being her friend. Ethan's self-preservation cried out that he refuse to ever see her again. Though they worked at the same place, being Chief would help keep them from seeing each other as little as possible. Looking into her heartbroken face and seeing that she was as devastated as he was, he knew he couldn't say no. "One day." He promised.

HOLD ME!

Tobias was waiting out in the hallway. He'd remained across the hall so as to give Ethan and Chris privacy. When the door opened and he saw his friend's face, he knew that life had permanently changed for all of them. Ethan noticed him standing there. Giving a brisk nod of acknowledgement, he got in the elevator without a word.

GUUUURRRRLLLLL!!!! Ahhh, you knocked it out of the park!

But can we take a moment to acknowledge the WICKED headache poor Chris had to have, holy shit. Get that girl all the Advil.....

OK the WHOLE section of Tobias sitting by her bed... OMFG... HELP ME.

Wrapping his arm around her shoulders, Tobias took her home.

"I think you're ready unless you need to stare at your reflection a little longer." He walked out of the room, pausing in the doorway to tease the man one last time. "I can always tell everyone that the wedding has been postponed because the groom can't tear his eyes off himself."

DEAD!

Ethan patted his back. His heart still ached from time to time, but he'd realized after a few months that he needed both Chris and Tobias in his life. He was miserable keeping them at a distance. It hurt more being without their friendship than it did seeing them together as a couple.

He was able to stand there and watch the two closest people in his life obtain their happily ever after.

OK, BUT I LOVE THIS! See, this is how I see it, too. There is a deep love between all three of them, but it's a different kind of love. Though it must have been hard to push through, in the end, it's worthwhile. Love can take on different forms, it can change... and we'd be smart if we didn't deny ourselves because of what others think or how "it's supposed to be done." I love that they were all able to remain close friends.

Right now... I'm going to go bask in the afterglow!!! Thanks so much for doing this, and I swear you'll be getting asks so I can have my Tobias/Chris fix! lol

Heart's Choice Part 3

(Ethan Ramsey x F!MC) (Tobias Carrick x F!MC) in a Choices Open Heart One shot.

A/N Here's the finale to your initial question @jerzwriter Sorry it took this long to answer 😂 Thanks for the ask ♥️

Masterlist

Part 3

Ethan wasn't sure how he managed to walk into Chris's room and calmly sit down. He had such a rush of feelings as he looked at her tear stained face. The first was how unfair it was that this was where they ended up after everything they'd been through.

He loved her. He doubted there would ever come a time when he didn't. The thought of losing her cut to the quick. His life, he couldn't even begin to imagine what it was going to look like after today.

Anger and fear melded together, forcing him to want to fight the inevitable. He knew Tobias was right. It galled him to admit it, but the man knew him and Chris too well. He saw right to the heart of the matter just as much as they wished to remain blind to it.

"Ethan?" Chris reached for his hand.

He got up and moved to sit facing her on the bed. Taking her hand in his, he lifted his eyes to her face.

He adored that face. The green eyes that could twinkle with humor then burn with passion were hypnotic. Her warm smile was always directed towards him. Even the slight tilt of her nose was endearing.

Chris's bottom lip trembled, drawing his attention to her mouth.

That mouth had the ability to make him burn. Whether it was in the throes of passion or in setting off his temper, it had a power over him unlike any other. The words she'd whisper to him late at night, hearing her say how much she loved him, how could he walk away from that?

He only knew he had to.

"Chris, I think we both know what needs to be done." He began.

Silent tears began to fall down her cheeks once more.

He reached up with his free hand and gently wiped them away. He knew there was no reason to bring up Tobias's confession. As much as he wanted to blame him for what was happening, ultimately it came down to Chris and himself.

"I'm not going to change, not in the way you need me to. I can't. I won't." He lifted his eyes to hers. "I'm not the man to give you the marriage and family you want."

Chris was unable to speak. Her heart was breaking that this was what had come of their relationship. The fact that he was ending it surprised her. She'd dreaded this talk, knowing she'd have to say they couldn't be together, even though she knew deep down that it needed to be done. The thing was, she hadn't known it would hurt this much.

She loved him. He frustrated and challenged her like no one before or after him. He had a tenderness that could surprise her and make her melt at the same time. Even his dry sense of humor had a way of making her day better.

How could she let him end what they'd struggled to finally have?

She knew though, neither of them really had a choice. This was the only way they could live.

Especially since I now realize I'm in love with Tobias.

Swallowing back a sob, she whispered. "You were the man of my dreams."

A sad smile formed on lips she knew too well.

"That's the thing about dreams, Chris." His voice was hoarse with emotion. "Eventually, you wake up and see reality."

He lifted their clasped hands to his cheek. "You and I have been dreaming long enough."

Her voice hitched as more tears fell. "Do you," she closed her eyes as her shoulders began to shake with her muffled cries, "do you hate me?"

"No." He scooted closer, drawing her once more into his arms. "I don't hate you at all."

She held on to him, crying out that she didn't want to lose him.

"I know we'll need time." She sniffed. "Do you think that one day we could find our way back to being friends?"

He hesitated at the notion. With how much he felt for Chris, he didn't know if he could take simply being her friend. Ethan's self-preservation cried out that he refuse to ever see her again. Though they worked at the same place, being Chief would help keep them from seeing each other as little as possible.

Looking into her heartbroken face and seeing that she was as devastated as he was, he knew he couldn't say no.

"One day." He promised.

She tenderly kissed his cheek.

"I'm so sorry, Ethan."

"Me too." He reluctantly released her.

Ethan got to his feet. "I'll go and let you get some rest."

With one final look at Chris, he left.

Tobias was waiting out in the hallway. He'd remained across the hall so as to give Ethan and Chris privacy. When the door opened and he saw his friend's face, he knew that life had permanently changed for all of them.

Ethan noticed him standing there. Giving a brisk nod of acknowledgement, he got in the elevator without a word.

***************

A few hours later, Tobias found Chris fast asleep. She'd exhausted herself from crying over everything that happened in the last few days.

He quietly sat down in the chair next to her bed to watch her. He hated that she and Ethan had gone through this. At the same time, he couldn't help but be overjoyed in Chris returning the love he'd felt for a long time.

Tobias knew she'd need some time before they began their own new relationship. As anxious as he was to start, he was willing to wait for as long as she needed to. He'd already waited in revealing his feelings. What was a little longer to actually see his dreams come to fruition?

He relaxed back in the chair as visions of what would happen when Chris was ready came to mind.

Closing his eyes, he dreamed about her.

****************

Chris awoke alone that night in her hospital room. Noticing the time, she knew she would soon be dismissed from observation. She sat up and wondered if she should buzz for a nurse to find out when she could leave.

Tobias stuck his head in as he'd done every so often, saw her awake, and came inside.

"One last examination." He told her. "Then I'll release you."

She sat up straighter as he checked her vitals. He shined a small light in each of her eyes then grinned at her.

"You're good to go."

She stared at him as he wrote some notes in her chart and wondered what he was thinking. Did he know that Ethan ended things? Was he regretting telling her he loved her? He hadn't exactly said he wanted a relationship. He'd only wanted to tell her how he felt.

Tobias glanced up and caught her staring at him. Setting the chart on the bed table, he sat down on her bed.

"Now that you're no longer my patient," he said, "how are you?"

His eyes searched hers for the truth when she seemed to struggle to find the words.

"Numb, I think." She began. "A part of me is at least."

She summoned her courage to find out what he was thinking. "The other part of me is still thinking about what you and I admitted."

"Oh?" He felt his heart drop. "Do you regret saying it?"

"Of course not!" Her eyes widened that he'd ever think that. "I only regret not realizing it sooner."

She averted her eyes from his. "It was unfair to both you and Ethan that I didn't see what was happening."

"Hey." He took her hands in his. "So the timing wasn't ideal for us to admit we are in love. I know I could have waited a little longer, but I didn't want to." He shrugged. "Now that we both know how we feel, we have all the time we need to be together."

"Is that what you want?" She asked. "For us to be together in a relationship?"

"You thought I poured my heart out to you, simply to remain single?" He shook his head. "I know I said I didn't expect anything to change, but I couldn't help but hope that you loved me too. You couldn't have doubted that if you did, I would do all I could to be with you."

Chris realized how foolish her fears had been. He was right. Why would you tell someone how you felt if you weren't going to do all you could to be with them.

"Well," she said a touch nervously. "Now what do we do?"

"Take you home for your mandatory two days of rest." He told her.

"Right." She moved to get out of the bed. "I meant about us."

Tobias stopped her from moving when he placed his hands on her waist.

"I thought, if you want to that is," he explained, "that you could come to my home to recover." He explained. "I understand if you're not ready for us to begin right away, but I would like to take care of you, if you'll let me."

Tears filled her eyes again. Sniffing, she wrapped her arms around him in a hug.

Tobias gently rubbed her back when she tightened her arms around him.

She lifted her head, gazing up at him, and asked if he was sure he wanted to do that.

"I know I'm going to be a mess for a while." She added.

He cupped her cheek, thumb brushing her skin.

"I wouldn't have offered it if I wasn't sure." He told her.

"Then I want to go home with you." Chris admitted. "I need to be near you, especially after everything we've said."

He leaned forward and placed a lingering kiss to her forehead.

She caressed his cheek when it ended. Their eyes met and both knew they didn't need to say anything else.

Wrapping his arm around her shoulders, Tobias took her home.

***************

Epilogue...

"Ready?" Ethan asked.

Tobias looked at his reflection once more. "No. I can't get this damn tie straight."

Ethan stepped forward and untied it to start over.

"It wasn't that bad." Tobias grumbled.

"It wasn't that good either." Ethan remarked, smirking at him. "I think your nerves have gotten the better of you."

Tobias rolled his eyes in response.

"There." Ethan stepped back to study him. "I think you're ready unless you need to stare at your reflection a little longer."

He walked out of the room, pausing in the doorway to tease the man one last time. "I can always tell everyone that the wedding has been postponed because the groom can't tear his eyes off himself."

"Don't even think about doing that." Tobias followed him out. "Come hell or high water, I'm getting married today."

The two made their way towards the altar and took their positions.

"Hey?" Tobias whispered to him before Chris walked down the aisle. "Thank you."

"For what? The tie? You never did have the knack for them." Ethan whispered back.

"Not that, smartass. For this. For standing by my side. Being there for Chris," Tobias paused the moment Chris appeared and began to walk the aisle with her father. "For a lot of things that I don't have time to get into."

Ethan patted his back. His heart still ached from time to time, but he'd realized after a few months that he needed both Chris and Tobias in his life. He was miserable keeping them at a distance. It hurt more being without their friendship than it did seeing them together as a couple.

It gave him hope for his own future when he saw Chris in her wedding gown and didn't wish she was marrying him. The fact that she only had eyes for Tobias in this moment didn't bother him. He knew that he had made the right decision for all three of them.

He was able to stand there and watch the two closest people in his life obtain their happily ever after.

[dgbankdbs]

6 questions to ask before applying for a Personal Loan

You require money to encounter various demands, including buying a car, consolidating debts, paying for weddings, home renovations, or funding your next overseas trip. Since these involve a high expenditure, you must plan your finances well and curb unnecessary expenses. When in doubt, ask it out. Clear your queries and fulfil your monetary requirements by applying for a Personal Loan for salaried.

It is a feasible way to ensure you get cash when required. They are an obligation and a commitment, therefore, conduct thorough research and analyse all the available options before deciding. You may seek answers to many questions during the application.

What is the amount?

Each bank sets the minimum and maximum borrowing limits. They assess your creditworthiness. Usually, the borrowing starts from Rs. 10,000 and can go up to Rs. 30 lakhs. As a thumb rule, take only the amount that you can repay quickly. Ensure your debt-to-income ratio is always within acceptable limits. A low DTI ratio is a preferable choice for banks. They take around 48 to 72 hours or shorter to disburse the amount.

What is the tenure?

Following disbursal, you must pay your equated monthly instalments within 30 days. Your interest and monthly instalments impact the tenure and the amount. Since Personal Loans are usually short-term, the repayment duration ranges between 12 to 60 months, depending on the bank and your credit history.

How does the CIBIL score affect the application?

Most banks evaluate borrowers based on their credit and repayment history. A good to excellent credit score speeds up the entire process on the Banking app. The higher it is, the higher your chances of getting approved for the Loan.

What factors determine the interest?

Your interest amount depends on various factors, including your CIBIL Score, tenure, and Loan amount. Generally, a good to excellent credit score helps you secure the lowest interest rate. You can check it online before approaching the bank for the best offers and remain aware of the possible benefits.

Are there any fees?

While applying for a Personal Loan for a salaried employee, you pay 2 to 3% as processing fees, depending on the bank. Also, if you prepay your borrowing before the tenure, the prepayment charges of the same amount are applicable. Enquire about the same with the bank, along with penalty and foreclosure charges.

What documents are required?

When applying, attach a few documents as proof. These include the duly filled application form, a copy of your ID proof document, like a PAN card, Aadhaar, passport, voter’s ID, driver’s license, employee ID card, a copy of your address proof document, latest utility bills, and income proof such as last three months’ bank statements salary slips, and Form 16. A Loan is an effective tool to help you plan your finances and deal with uncertainties.

Keywords: Personal Loan for salaried, Personal Loan for salaried employee

[phgq]

NCR mayors decide to keep gyms, spas closed until April 4

#PHnews: NCR mayors decide to keep gyms, spas closed until April 4

MANILA – The Metro Manila Council (MMC), composed of Metro Manila (National Capital Region) mayors and national government officials, has voted to keep gyms, spas, and internet cafes closed during the imposition of the general community quarantine (GCQ) bubble until April 4, Malacañang said Tuesday.

Presidential Spokesperson Harry Roque made this announcement a day after the Department of Trade and Industry (DTI) decided to allow gyms, fitness centers, and spas to operate on limited capacity.

“Sarado po sa susunod na dalawang linggo ang mga gyms, spas, at internet cafes (Gyms, spas, and internet cafes will be closed for the next two weeks),” Roque said in a virtual press briefing.

Initially, gyms and fitness centers inside the GCQ bubble are allowed to operate up to 75 percent of their capacity while spas are allowed to operate up to 50 percent capacity.

Roque explained that the MMC decided to keep these establishments closed to control the spike in Covid-19 cases in Metro Manila.

“Alinsunod sa guidelines na in-issue ng DTI na mayroong kapangyarihan ang [local government units] na isara ang gyms, spas, at internet cafes nagbotohan na po ang mga Metro Manila mayors at sarado na po sa susunod na dalawang linggo ang gyms, spas, at internet café (According to the guidelines of the DTI, LGUs have the power to close gyms, spas, and internet cafes and Metro Manila mayors have voted to close them for two weeks),” he added.

Other establishments prohibited in the GCQ bubble are driving schools, traditional cinemas and video and interactive game arcades, libraries, archives, museums, and cultural centers, limited social events at accredited tourism establishments and limited tourism attractions except open-air tourism attractions.

All public gatherings including religious gatherings are prohibited while face-to-face meetings are discouraged. However, weddings, baptisms, and funeral services will be limited to 10 persons.

In restaurants, only outdoor dining will be allowed at 50 percent operational capacity provided that engineering and administrative controls are in place like acrylic or small dividers, limiting to two persons per table, among others.

Restaurants, cafes, and similar establishments will be allowed to operate delivery and take-out services only for the duration of GCQ.

Current operational capacities of essential and non-essential services/industries will be maintained subject to minimum health standards.

Public transportation will also retain current capacity while biking and walking will also be encouraged.

There will also be a common curfew imposed from 10 p.m. to 5 a.m. Workers, cargo vehicles, and public transportation will not be restricted by the said curfew.

President Rodrigo Duterte on Sunday approved placing Metro Manila, Bulacan, Cavite, Laguna, and Rizal in a GCQ bubble for two weeks to curb the spread of Covid-19. (PNA)

***

References:

* Philippine News Agency. "NCR mayors decide to keep gyms, spas closed until April 4." Philippine News Agency. https://www.pna.gov.ph/articles/1134562 (accessed March 23, 2021 at 10:21PM UTC+14).

* Philippine News Agency. "NCR mayors decide to keep gyms, spas closed until April 4." Archive Today. https://archive.ph/?run=1&url=https://www.pna.gov.ph/articles/1134562 (archived).

[creditmonkey]

What to Think About Before Taking on a New Loan

There are several reasons to consider applying for a loan. Maybe you’re planning to buy a houseor a car, or you need money to make some home renovations, finance a wedding or consolidate credit card debt.  Whatever your reasons for applying for a new loan, take time to think about your reasons, your financial situation and how the debt may affect you over time. Even if taking on the debt is inevitable, this process can help you make a more educated decision about your finances. Here are six questions to ask yourself before taking on a new loan. 

1. What type of debt is it?

There are several types of loans available, and depending on the situation, you may have choices. For example, if you’re planning to consolidate credit card debt, you could use a personal loan, a home equity loan or line of credit, a cash-out refinance mortgage loan or even another credit card. While debt isn’t inherently bad, some loans may be better than others in certain situations. For example, unsecured personal loans tend to charge higher interest rates than loans secured by your home’s equity. They also typically have shorter repayment terms, resulting in higher monthly payments.  That doesn’t mean personal loans are objectively worse than home equity loans or lines of credit though. The latter two use your home as collateral, so if you default, you could lose your house. That means it’s important to understand both the benefits and drawbacks of each loan option. It’s also essential to know when a loan is never a good idea. For example, payday loans and auto title loans often snare borrowers in a vicious cycle of debt, requiring them to take out new loans to pay off old ones, making it difficult to get relief. 

2. Why do I need the money?

Thinking about your reasons for taking on a new loan can help you determine whether it’s a good idea. More specifically, consider the ultimate goal and whether it’s something you might regret later on if you run into financial difficulties. If your car is breaking down, for instance, and you don’t have enough cash on hand to replace it, an auto loan can help with buying a car to get to work and other places.  But if the car you have runs just fine and you’re on a tight budget, taking out a new loan for a nicer car may not be in your best interest in the long run.  The same goes if you’re thinking about borrowing money to take a vacation or purchase a big-ticket item. If the expense fits into the “want” category rather than being a necessity, it may be better to wait until you’ve saved enough to pay without debt.  One exception to that rule is if you’re hoping to buy a house. While you need a place to live, no one necessarily needs to own a home. But buying a home can improve your quality of life and potentially even save you money over renting. Also, homes typically appreciate in value, making a mortgage loan acceptable in most cases. 

3. Can I afford it?

Lenders use your debt-to-income ratio, called DTI for short, to determine whether you can afford to take on new debt.  Your DTI is calculated by dividing your total monthly debt payments by your gross monthly income. If yours meets the lender’s requirements, you may have a good chance of getting approved. For many loan types, the maximum DTI is 50%, but it’s typically 43% for mortgage loans. “Keeping your DTI at a low ratio will not only allow lenders to deem you as creditworthy,” says Howard Dvorkin, chairman of Debt.com, “but also set your mind at ease with handling your own finances responsibly.” Keep in mind that lenders don’t look at your entire budget to determine whether you can truly afford to take on new debt. You may have other financial obligations, such as medical bills, utilities, groceries and other costs, that aren’t considered debt that could make it difficult to afford another monthly payment.  Even if you can afford a new loan, consider whether it would make it difficult to set money aside for the future or to pay down other debts more quickly — this is especially important if you don’t have a healthy emergency fund in place.  To determine the affordability of the new loan, take a look at your average monthly expenses compared with your monthly take-home pay. Then calculate what your monthly payment would be with the new debt and how that would fit in your budget. If the new debt would make it difficult to get by or it would significantly impact your ability to save and pay down other debts, it may be worth holding off until you’re in a better financial position. 

4. Do I have enough savings?

Even if you decide you can afford to take on a new loan, the extra debt can be more of a burden if you lose your job or experience another financial emergency or hardship.  That’s not necessarily the case, however, if you have a lot of money set aside for a rainy day. If, for example, you have three to six months’ worth of basic expenses in an emergency fund, you’ll have a decent amount of time to get back on your feet. But if you have just a few hundred dollars saved up, taking out a new loan now could potentially make things worse later.  While the general rule is to have at least three months’ worth of basic expenses in savings, there’s no one-size-fits-all amount in practice. Take some time to consider your financial situation and whether you feel comfortable with the amount of savings relative to your debt. 

5. How many loans are too many?

The more loans you take on, the harder it can be to stay on top of your payments. In fact, a recent study found that consumers with existing installment loans who take on a credit builder loan (like one at Self) may struggle more to keep up with their monthly payments.  Not only does having more loans increase how much you owe, but it can also make managing your finances more complicated. Unless you have everything set on autopay, it’s possible to forget to make a payment.  Even if you have automatic payments set up, you’ll need to make sure you always have enough money in your checking account to cover them all. And if you’re having a hard time keeping track of all your due dates, you may slip and end up with a charge for a returned payment from the lender or for insufficient funds from your bank.  Finally, taking on multiple loans in a short period can negatively impact your credit score.Virtually every time you open a new loan, the lender runs a hard inquiry, which can knock a few points off your credit score. And with each new account, it lowers your average age of accounts, which affects your length of credit history.  “It never looks good on your part to have many different loans as this will send the wrong message to potential lenders who may feel you’re financially irresponsible,” Dvorkin says. There’s no right answer to the question of how many loans are too many. Every situation is different, so it’s important to consider your budget, organizational skills and credit score before you proceed. Be honest with yourself about how much debt is too much. 

6. How much will it cost?

You may be able to afford the monthly payment on a new loan, but that’s not the only financial aspect to consider. It’s also important to look at the total cost of the new debt, including fees and interest charges. These costs can vary based on the loan type, the lender, the loan terms and your creditworthiness. If, for example, your credit is considered bad or fair, you may have a hard time qualifying for a loan with favorable terms. In this case, it may be better to wait until you can improve your credit.  Even if you have great credit, some loans are inherently more expensive than others. Check not only the interest rate on a new loan option but also the fees and the total interest charges to decide whether what you’re borrowing for is worth the cost. “It’s always best to shop around for the best rates since most financial institutions will compete for your business,” says Dvorkin. “Also, be mindful of any hidden fees when deciding on the best loan.”

What to do if taking on a new loan isn’t the right decision

If you’ve decided during this process that taking on new debt isn’t the right decision — at least not right now — there are a couple of things you can do. Work on paying down existing debt The less debt you have, the easier it will be to afford new debt. What’s more, paying down debt can potentially improve your credit score and your odds of scoring good terms on a new loan. Take a look at your budget and determine how much money you can put toward your debt, and start working on paying it down.  If you have credit card debt, that’s a good place to start. Credit card debt can be expensive and racking up a high balance can wreak havoc on your credit score.  Look for other ways to get the money you need If borrowing isn’t the right decision, but you still need cash, consider looking for ways to earn extra money, such as taking on overtime hours or starting a side hustle.  Also, consider asking family or friends for help. While you may still end up with a loan, you may be able to get more favorable terms with someone close to you than from a lender.

The bottom line

Depending on your situation, taking on new debt may not be an issue at all, but it can also put you in a precarious financial position.  Do your due diligence to determine if borrowing more money than you already have is the right move for you. Ask yourself these questions and any other important ones that come to mind during the process to make sure you don’t put yourself in a difficult position in the future. About the author Ben Luthi is a personal finance writer who has written for NerdWallet, Student Loan Hero, US News and World Report, as well as other major media outlets. He holds a bachelor’s degree in finance from Brigham Young University. Read the full article

[jerzwriter]

10, 15, 18 For my faves Tobias and Casey!

Hey Dani! Thanks for asking! :) From THIS LIST.

10) What are some non-sexual activities they do together? 

Not me laughing because I'm thinking people must think, "Do they do anything else together?" LOL But they do.

They're both avid readers and a bookstore in Cambridge played a big part in their love story. While they read alone, they also pick a book to read together and then discuss it. It's almost always a nonfiction book, and they get into long, deep conversations about the topic.

They love dancing, and pre-kids, they love getting dressed up and going clubbing. They still do it on occasion after their girls come along, but more often, they can be found dancing in their living room or kitchen together.

They love road trips - long or just shorter day trips. They either talk, play silly games, or listen to music on the ride, and getting there (and home) is probably their favorite part.

Casey is an excellent ice skater, and Tobias learns how after meeting her, and they go skating together frequently.

I HC Tobias is an art collector, and the two of them love going to galleries, art shows, and museums.

They're foodies; he loves to cook (she loves to watch him), and they love eating out together, too.

15) Who is more likely to make an impulsive decision, and who is the voice of reason?

Believe it or not, Casey is more impulsive (and more likely to become anxious) and Tobias is the one who comes in with logic. The one caveat: spending money. He's quick to do it, she's quick to point out why they shouldn't.

18) What song fits them perfectly?

This is so wild! Because I heard a few of "their" songs today!

Everytime I Close My Eyes by Babyface played a role in their budding relationship (story here). Tobias dedicates it to her at their wedding, and it really fits how he feels about her.

Their wedding song is All of Me by John Legend, and that's because it fits them so well. They're both big Motown fans, and Marvin Gaye & Tammi Terrell's All I Need to Get By is special to them (another fic 😊). Their favorite 😏😏😏 song is Frank Ocean's Thinkin Bout You, (aka song to make more daughters to lol) and that fits, too.

In DTI, Adele's To Make You Feel My Love plays a big role, and honestly, that song fits them, too. Especially when they were in the pining stage.

I'll link the songs below the break. :) Thanks for the asks Dani!

[manhattanmomma]

The Painful Truth.

I am normally inspired to write about politics, motherhood or some deep observation but today is not that day.  Today is a day for self-pity.  I am going to speak my truth and I truly believe the truth shall set me free. Game of Thrones is one of the best things that has ever happened to me in my life.  Pretty up there with, graduations, wedding day, birth of three children and Paleo diets.  I cannot contain the love I feel in my heart when I hear that Game of Thrones Theme Music.

Counter these sentiments with, being born a Gemini is one of the worst things that has ever happened in my life.  Although I have spent the majority of my life thoroughly enjoying the useless humor of my sun sign, I am now ruined by the fact that being a Gemini negatively affects my GOT viewing.  I simply cannot decide who should sit on the Iron Throne.  I see all sides and I can’t decide.  I am literally sick with indecisiveness.  

Team Daenyres

This should be a simple and straightforward choice .  She has dragons.  She started from the bottom, now she here.  She stepped into her power and sexual prowess both of which have aided her viable campaign to take over the Seven Kingdoms.  However, as a deep proponent of Black Liberation Theology, she is still a Becky with all of the privilege that entails.  So maybe the “Motha” in me wants to see her fail like the witch who played her out in the beginning.  Besides her arrogant, privileged existence got one of my baby dragons snatched up by the Night King.

Team Night King

He is really evil.  He is really scary. But every time he steps on the scene I am riveted.  My attraction to him is much like my attraction to Suge knight.  He is so ignorant, so wrong, so ancient and yet so powerful, quiet and intense.  He sees everything.  He stays in his lane and did you see the way he lovingly touched the dragon’s head. So what if he was turning it into a zombie.  Who doesn’t want to be touched like that?  My type of man.  I want to hate him.  I don’t want him to kill the world.  I don’t want to love him but  . .  .

Team Cersei

Cersei is pretty bad but she is my type of woman.  Complex, has her own set of principals, family above all else, and even when flogged and walking through the city butt naked, covered in shit and tormented, she remained regal and above all others.  She is always cold, cool, patient and calculating but when cornered she goes post-apocalyptic on her enemies.  I have been told I do the same.  If she wins, it is going to suck for the commoners but no one holds court like a Lanister and besides her DTI was out of control but she always pays her debts so she has good credit.  King’s Landing under Cersei will throw some epic parties.  I should hate her but she feels so familiar. 

Team John Snow

He reminds me of an ex. Principled, loyal, a safe choice, a rising star in his field but I just could not get into him.  I had to give him the talk.  “I am probably underestimating you, you probably have every right to the Iron Throne (in his case, my love and devotion) but you are just not my cup of tea, I need edges.”  Besides, he was soft and I didn’t like his family and friends(the Hound and Gendry) and he got my dragon killed.  We would have never lasted for the long haul.  Like Su Tzu said, “Know Thyself.”

So much to my chagrin, I truly can’t make up my mind.  A quintessential Gemini problem.  I am going to ride this out, see how it all plays out, make everyone feel adored and pretend like I was down from the start.  I guess that is why I stay winning.  I don’t think Capricorns have these issues.

[ezuraeventsmgt-diaries]

How to plan a Budgetarian Wedding?

First dapat alamin mo yung budget mo para sa kasal niyo, then from that budget kailangan alamin mo kung anong klaseng wedding ang pasok sa budget na yun, next mag lista ng mga gustong imbitahan na bisita sa side ni Groom at sa side ni Bride (tandaan QUALITY is better than QUANTITY) then dapat may target date or month narin kayo para dito kayo mag bebase para sa mga makakausap ninyong suppliers.

Ang pag paplano ng kasal ay dapat ginagawa ng atleast 6 months before the target date of your wedding, para maiwasan ang mas malalaki pang stress and hassle things, mas okay kung mas maaga makapag settle sa mga suppliers, para mas maaga rin kayo makapag relax ni Bride or ni Groom at hindi kayo haggardo versosa sa mismong kasal ninyo.

Gumawa ka rin ng listahan ng mga suppliers na kailangan mo:

1. Church (if Church Wedding) or Officiator (if Christian Wedding or Civil Wedding) - we have a contact na budgetarian officiator just let us know if you need it.

2. Venue for Reception (if Church Wedding) or Venue for the ceremony to reception (if Christian Wedding or Civil Wedding) - we don't have yet an Event Place na contact talaga namin but we have a lot of ideas na venue na pwedeng makatulong sa pag hahanap nyo message lang kayo dito sa Facebook Page namin. The alotted time for Venue pag reception is 3hrs, pero kung ceremony to reception kailangan 4 - 5hrs ang mapa-reserved ninyo para di kulangin at mag madali ang mag kakasal at ang host.

3. Catering - sobrahan nyo ng atleast 20 pax yung ipapa-reserved niyo sakanila, mas maganda nang sobra kaysa kulang right? And please take note of this CREW MEAL wag nyo yan kakalimutan, kawawa naman mga suppliers pag wala silang kakainin.

4. Event Stylist - pero kadalasan si catering narin gumagawa ng mga styles and backdrops, if short budget lang? Wag na kumuha ng Event Stylist pero kung may pera naman? Go! Mas okay to, mas mako-customize nyo yung design ng venue.

5. Florists for Church, Venue and sa mga flowers ng abay even sa Bouquet ni Bride.

6. Sounds and Lights - make sure na magaling at madiskarte ang magiging sounds operator na makukuha ninyo kung gusto ninyo na maging lively ang program sa buong event dahil kung hindi magaling at madiskarte ang makukuha ninyo? Baka ito pa ang sumira ng kasal lalo na pag dating sa mic. We have a tie-up team for this.

7. Photographers and Videographers Supplier - make sure na professionals ang makukuha nyo, dahil once in a life time lang ang kasal baka di nila makuhanan ng maayos ang mga highlights ng event, hindi na natin yun pwedeng ulitin. We have a tie-up team for this budgetarian rin sila like us.

8. On-The-Day Event Coordinator - yes, kahit budgetarian lang kailangan nyo parin kumuha ng Coordinators kung gusto ninyong maging smooth ang wedding ninyo at maging less stress sa mismong araw ng wedding, malaking tulong ang mga Coordinator promise. We're offer low rate but high quality of services. For more information about "Why you need to hire an OTD Event Coordinator" click this link: https://bit.ly/2Y1Zg1G

9. Event Host - yes, kahit budgetarian lang kailangan mo parin kumuha ng Event Host para ma-maximize mo yung araw ng wedding mo, kahit short program man lang, mapag-uusapan ninyo naman yan ng Event Host eh atleast mas ma-enjoy ninyo yung araw ng inyong kasal. Once in a life time lang ito so do the best for it. We're offer low rate but high quality of services

10. Singers or Instrumentalist - kung may sobrang pera lang.

yan ang pag kakasunod sunod ng mga suppliers na dapat ninyong hanapin, kaya may numbering sila dahil may reasons yan, for example kung ang una mong hahanapin ay venue bago ang officiator o ang church? Paano kung ang available na date sa church o officiator mo ay hindi na available sa venue pero nakapag pabook ka na sa venue? sayang naman diba? kaya dapat kung paano namin yan pinag sunod sunod ganun nyo rin sana sila hanapin at mag pa book sa kanila.

Mahalagang alam ninyo ang bracket ng rates ng bawat suppliers para alam ninyo kung ang offer ba nila sainyo ay mura para sa services nila o hindi, paano niyo yun gagawin? Sumali sa mga Facebook Group kung saan kayo pwedeng mag post ng mga "Looking for" ninyo and doon niyo makikita ang mga offers ng bawat suppliers.

Maging mitikuloso/mitikulosa sa pag pili ng mga suppliers at maging mahigpit rin para hindi kayo maloko, i-review muna ang kanilang mga profile kung may feedbacks ba sila? Basahin ito at mamili ng isa sa mga pangalan na nag bigay sakanila ng feedbacks at i-message ito para tanung kung legit ba talaga ang feedback nila sa supplier na ito at hingan ang mga suppliers ng contract pati na DTI na may kasamang Valid ID nila para siguradong legit talaga.

Sana ay makatulong ito o nakatulong ito sainyo! 😉

- Ms. L

Ezura Diaries: #1

If ever you have any suggestion topics? Questions or need help just contact us on the provided details below ⬇️

Facebook Account: Elle Untal

Facebook Page: @ezuraeventsmgt

Instragram Account: _ezuraeventsmgt

Email: info.ezuraevents@gmail.com

Mobile Numbers

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STAY HOME💙 • STAY SAFE💛 • SAVE LIVES❤️

And don't forget to 👍 Like and 👥 Share this post!

[digitalmarketting91-blog]

How To Write A Blog?

What is a Blog?

A weblog is a mag or internet net website online this is to be had on the net and includes hyperlinks to wonderful net websites. The individual who creates the blog is the 'blogger', on the equal time as you update a weblog you're 'taking walks a weblog'. Individual blogs are known as 'blog posts' or 'blog entries'. As an extensive rule, blogs are often up to date. For the cause of search engine optimization, the extra frequently updated the higher.

Blog Title

Not best should your weblog perceive be hobby grabbing, it ought to be some element which human beings will search for on Google. Therefore, do no longer make it too big, but neither should or not it's so unique that no individual will search for it.

For instance, a wedding photographer offering hints on taking wedding ceremony snapshots should not call the blog 'Taking bridal ceremony pics' as this will be out of location the various several hundreds of different posts on this case. Instead, probable, the photographer can also additionally need to select titles like 'How to take wedding ceremony pics inside the rain', or, 'How to take wedding ceremony pics in low light conditions.' How to, or top tip courses will typically create masses of interest inside the on foot a blog international.

Try no longer to make the emerge as privy to too lengthy. Google will handiest display the number one 70 characters in its are looking for outcomes, so try to preserve it quickly, sweet and hobby grabbing.

Get in Touch: http://www.digitaltechnology.institute/ 

How lengthy must a blog post be?

Whilst there can be no difficult and speedy rule as to blog period, it is generally conventional that  hundred-500 is the minimum relevant length. Ideally, a blog ought to be amongst 500 to 1000 phrases. This will allow a diploma of the element which offers the reader a good enough amount of statistics, however, does no longer overload them.

Of direction, if you boom a weblog following, you may write shorter or longer blogs as you recognize there can be already a goal market for them.

This isn't always to say that every one of your blogs wants to be at the least 500 phrases. First and vital, a weblog should be written with the reader in mind, not the quest engine. So, if you need to feature a quick blog that you understand may be preferred thru the use of your target audience, write it!

The duration of a weblog will, of course, variety counting on the content cloth material. Just go through in mind that for are trying to find engine advertising and marketing capabilities, there desires to be sufficient written content material cloth to optimise, in addition to a few images anywhere feasible.

At the end of the day, blogs are personal to you and your commercial employer, so, whilst we'd propose blogs of an advantageous length, it is of direction actually as much as you. What is important and we can not strain this sufficient, is that blogs are written regularly. This certainly is the important trouble to walking a blog achievement.

Blog content material

Whilst blogs are a non-public example of you and your enterprise, right right here are a few pointers on content material cloth material which may also grow the popularity and readership.

Think of an applicable key-phrase on your weblog. A word or phrase which splendid describes the content material fabric of your blog want to be used inside the become privy to, and repeated sooner or later of the weblog, which includes, importantly, within the first paragraph. Bear in thoughts, however, that if the phrase is repeated too regularly, the weblog will look over optimised.

When writing your weblog, be cautious for your audience and write with them in mind. If, as an example, you very private a flowery get dressed preserve, it stands to reason your blogs should in all likelihood have an amusing challenge rely on. If you very own an accountancy business company corporation, your blogs are much more likely to be real and informative. Always try to make your blogs relevant to your commercial business enterprise. It is perfectly proper to put in writing about your non-public critiques, in fact, this is actively encouraged as this may make it stand happy with the rest and could permit you to install a following.

Visit Us at: Digital Technology Institute in Uttam Nagar 

Linking to blogs

Whilst writing your weblog, go through in thoughts applicable net websites you can link to. You can also hyperlink to pages out of your non-public net internet net page. For example, in case you are an estate agent and you are writing a weblog on looking for a holiday domestic, in all likelihood provide a link for your tour homes net web page for your internet website online. You have to then provide an outside link to an applicable internet site. For instance, in all likelihood linking to a domain which offers vacation home mortgage advice. The possibilities are countless.

Spell Check and Proof Read

Obvious we apprehend, but double test any blogs in advance than filing. It can also moreover doubtlessly be the number one time a reader has heard of your agency, so growing a fantastic impact is crucial.

DTI In Dwarka DTI In Janakpuri DTI In Rajouri Garden DTI In West Delhi DTI In Delhi DTI In Rohini DTI

[momscookingthebooks]

 ¸.•*¨☆¸.•*´¨

☆¸.•´. CIMMERIAN SHADE

Dare to discover what lurks in the shadows in **New & Exclusive** paranormal and urban fantasy stories from your favorite NY Times, USA Today, and International Bestselling authors.

Under moonlit skies, witches, werewolves, vampires, dragons, and more, battle not only for their mates, but to stay alive…

Fall for the alphas who play by their own rules despite the odds, whether century-old curses or forbidden love, or worse. For them, what lies in the darkness is worth the fight when it comes to romance.

Amazon: http://amzn.to/2wyP2au

iBooks: http://hyperurl.co/CSiB

Nook: http://bit.ly/2rzHPIe

Kobo: http://bit.ly/2rEg9NA

Goodreads: http://bit.ly/2sH9Ugw

And also a really cool book trailer: https://www.youtube.com/watch?v=ezF_Qyg3jwI&feature=youtu.be&fref=gc&dti=2166198990270938

What Lies Within Us by Kiki Howell & Gina Kincade

Kyna Hughes travels to Ireland only to find out her whole life has been a series of well-orchestrated lies. Thrust into days of dark magic, secret societies, mystical hauntings, and ultimately, kidnappings and satanic weddings, she struggles not to lose her heart to one of two men—a hunky former Navy SEAL hired to protect her, and a sinister Wizard hired to train her to develop her hidden powers.

Dating 911 by Kathleen Grieve

Commiserating with girlfriends over butterscotch martinis, emergency room nurse, Roxanne Carter creates the idea of The Dating Manifesto—a not so scientific research project which promises to point the way to dating success. She wades through a series of unsavory, stale dates while gathering data to find the potentially most suitable single men available, literally putting her back at ground zero.

Just when she is ready to give up on dating, in walks sin personified in the form of a sexy firefighter, tainting all of her previous data.

A traumatic warehouse fire leaves firefighter Jett Avery's closest friend dead. The false mask of charm and pretense is slipping as Jett tries to repress his turbulent emotions, remorse, and guilt. After months of anguish, the Post Traumatic Stress Disorder seems to be taking over his life and he needs an outlet, fast. In an attempt to combat the worst of his depression, he decides to use his brand of therapy—Sex. The remedy, usually a quick pick me up for Jett, has lost its luster. He is almost ready to give up until he encounters a wicked seductress who ignites a fire he's not ready to put out any time soon. The bonus? She's an ER nurse with just the right kind of healing, the missing element Jett's search had not yet uncovered. He finally feels alive when he's in her presence.

Jett’s twin brother, emergency room Doctor Cruz Avery, the playboy of the ER, decides Roxanne is the woman for him. He places all brotherly affection aside and is in hot pursuit, complicating an already tricky situation.

Roxanne finds herself battling a growing competition between brothers for her affection. She discovers she’s drawn to both men, making it difficult not to compare them, and finds herself with an important choice to make. Jett hounds her during every date, and the irresistible hunk generates an indomitable need to play with fire. Yet, there are qualities in Cruz that slide right into the appropriate dating criteria of her Manifesto.

Does she choose the brother who by analysis is the perfect match? Or the one she can’t resist?

Torch Song by Lashell Collins

Dominic Draco has no illusions about who he is. As alpha of the dragon clan, he is also the leader of the shifter Alliance, and that sometimes requires him to be ruthless. He’s a dangerous man to know. In fact, he’s a heartless bastard. That’s the real reason he’s kept the beautiful Lucinda Lindley at bay for so many years, despite the longing he feels for the sexy human singer. But in granting an old friend’s dying request, watching over Lucinda is now his responsibility. Can he keep her safe from the perils of his cut-throat world when the Alliance’s enemies begin to circle? Or will Lucinda become a casualty of the shifter faction war?

Ethereal Witness by Angelica Dawson

Magic just became real for Paige Brown. Since she helped her roommate cast a spell, she has wanted to explore her new-found talent. Flashbacks to her ancestor give her clues, specifically to a love spell that she hopes will snag the professor she has been fantasizing about. Both Paige and her previous incarnation, Jane, find that controlling magic is more than a simple recipe. Will Paige be able to break her own spell? Will she discover the love that is closer than she knows?

Love Story of a Reaper by Elvira Bathory

What would you do if you found out that you weren’t like everyone else?

That you were special, but only in a way no one could find out about?

What lengths would you go to prove yourself to your family? A family that you didn’t know you had?

Morrigana was moving through life with a part-time, minimum wage job, and only a handful of friends. She was different from other people and they treated her that way. However, she was happy with her life until the day she met Kheelan; that is when her life was turned upside down. She finds out that she isn’t even human, and that a family she wasn’t aware she had needed her to complete a mission. As Morrigana and Kheelan's adventure progresses, will their focus on business remain professional or will their growing passion take over?

Burning Midnight by Erzabet Bishop

A triumvirate of blood and fire…

Diana Robichard runs Moon Called, an antique shop specializing in cursed objects. A new antiquity falls into her possession and promptly disappears, her tidy world is upended. When faced with a threat to those she loves the most, witchcraft alone may not be enough to save them.

Alpha Aristide Benoit is a wolf on a mission. When multiple pack members and finally his daughter go missing, he is ready to do whatever is necessary to find them as well as save the woman who has claimed his heart.

Vampire Regent, Rand Sinclair has a problem. His vault is missing an amulet never meant to see the light of day. Endangering a treaty with the wolves, he must act quickly before the woman he loves is swept into an ancient curse that will destroy them all.

With This Heart by Red L. Jameson

Talk about a killer kiss…

Being a former soldier with PTSD takes its toll on Aaron and has wiped him clean of optimism along with having dreams. But he’s no longer sure if he’s living in reality or fantasy after he tries to save a friend and finds his world filled with women who have wings and…Valkyries.

Adala kills. Not on purpose. She’s a Valkyrie—from just one touch, she takes warriors to the afterlife. Oh, but she’d give anything for a break, for normalcy, to have one day of not wearing her legionnaire uniform. When she’s asked to talk to the human Aaron to help him understand just what he’s in for when he tripped into her world, she jumps at the chance, even though she knows Aaron more than she cares to admit, even though she has an insane crush on him, even though she can’t touch him at all. But she gets to wear jeans and talk to a man—a real-life, hero of a man.

From her adorable made-up swearwords to when she wears his clothes, from the fact that she’s hundreds of years old to her pet Pegasus, Aaron falls hard for the shy Valkyrie. Dare he risk his life for a kiss? He’s thinking about it, because already he’s given her his heart.

With This Heart is a standalone story, that’s part of the With These Wings Series—books that mix rock-hard military men with feathered-fantasy femme fatales for a sizzling hot adventure to find love. Join Chanticleer winner, Red L. Jameson, for more of this heart-tugging fairy tale series.

Saltwater Siren by Muffy Wilson

Was it love at first sight? Perhaps. Many thought it might have been the work of the unscrupulous Sea Witch, Hermione, long a bitter and banished King’s Court Matron. So, was it the crafty wiles of Hermione, scheming to seek her sordid revenge, or was it a simple matter of serendipity? All we know for certain is that two young royals, one landed and one not, met during a raging storm as fierce and intense as the love they would none too soon escape. Was it fate, design, or—perhaps—black magic? Who’s to say?

What we do know is that it was sensuous, erotic, and insatiable as they fought to extinguish the passions that flamed their heat by indulging in every desire that swept them into one another’s arms. Their shared carnal voracity fanned an appetite no amount of indulgence could satisfy.

After all, it happened…Once upon a time…

Dangerous Beauty, Sexy Beast by Dariel Raye

Drayden saved her life— but her incessant need for vengeance could mean the end of his.

Thirteen years after the brutal murder of Treva Evers’ entire family, a cloaked stranger shows up just in time to save her from the same fate. When he disappears as quickly as he appeared, she is drawn into an underworld replete with magic and long forgotten customs, a place where nothing is as it seems, including her mysterious savior, and every word or action could result in brutal consequences.

Rose Tears by Amanda Pillar

Death is coming for Lori Hardcastle.

Half-Succubus, half-Sídhe, Lori has been on the run since she was seventeen. Worried that her vengeful family will find her, she’s been hiding in the Borderlands, a magical plane nestled between the fae and human worlds. However, when her path crosses that of a dangerously sexy fullblooded fae, will she be able to survive the encounter?

Conrad Death is a cleaner (he doesn’t like the term ‘assassin’) for the fae White Queen. His latest mission: find the half-breed daughter of the Count of Tears. Easy. Except no one knows what she looks like, her real age, or even what name she uses. However, Conrad isn’t daunted by simple details – he’s finished every job he’s ever started. But when he meets a smoking hot Succubus in a Borderlands bar, his life is thrown into turmoil.

Rogue by Savannah Verte

Everyday immortal Bree Brigand gets a rude awakening as her family is slaughtered. Not only is the cursed, suicide blade of legend and lore real, but it has chosen her. She must quickly learn to fast-track a course she’s never navigated, in a world she thought only existed in campfire stories. But, only after coming to terms with the facts…her family is not her family.

Truths and lies collide in a world where the hunters and the hunted trade places faster than she can discern who is which, and everyone is an assassin. Can she find and claim her destiny? Or, will being marked by a male who is not her one true mate ruin everything, and clip this dragon’s wings before she can become all she is meant to be?

Hexing Hearts by Alyssa Drake

At eighteen, undeveloped witch, Remy Vasile abandoned her island home without a backward glance. Five years later, circumstances outside of Remy’s control have drawn her back to Firefly Island, dredging up painful memories which lay dormant during her absence.

Sebastian Ayres enjoyed a life of pleasure pursuits. However, his blasé attitude evaporates the moment Remy’s hand brushes against his. Irresistibly drawn to his mate, Sebastian must undertake the daunting task of persuading Remy that he is not just any man, but the only man, for her.

Unbeknownst to either, dark secrets, hidden since Remy’s birth, are about to be uncovered and Remy will be confronted with a life-altering decision. With the help of her sister and some unexpected allies, Remy must decide if she will fight and risk her heart or continue running from her destiny.

Dragons Curvy Concierge by Mychal Daniels

When Bronwyn Scott finds herself way over her head as the first-time business owner of a personal concierge service, she’s not about to fall for a rich mystery man trying to test her professionalism at every turn.

Determined to make her business a great success to find and show the mother who left her at birth that she made something of herself, Bronwyn has no time for games or entitled, gorgeous rich dudes.

MacMillan “Mac” Kelnar is at that time in his life where his business can run itself, he’s successful, powerful, and a mature Dragon who’s paid his dues.

When he sees his mate across the parking lot of a Home Improvement Center parking lot as she suffers a hit and run, he’ll stop at nothing to have her, even if that means pretending to hire her as his personal concierge.

Determined to have his mate, this Dragon won’t stop at nothing until his mate realizes that the only services he’s interested in are having all of her.

Credence - Moon Dragons by Decadent Kane

Torren is days away from competing in the Draconic Challenge and earning the prize he needs to complete his magic credence. His sky-high dream of apprenticing with the Ancients is finally in sight. The last thing this solitary moon dragon needs is a mate dragging him down to earth, and a human one at that. Not that his body will listen.

Dovie is minding her own business—literally—when a handsome stranger walks into her bookstore. One spontaneous orgasm later, she’s left with no choice but to close up shop. The last thing she needs is an overbearing dragon dragging her to his mountain and telling her to shelve her dreams in favor of a stupid contest. Not that her body will listen.

Torren and Dovie must fight their treacherous attraction to each other or sacrifice their ambitions forever. But moon dragon magic doesn’t choose lightly, and when darker forces shatter the peaceful mountain enclave the dragons call home, human and moon dragon alike will have to reconsider just what they need to achieve a happy ending.

Kiss of the Fallen by Kharma Kelley

Dear Readers, I just wanted to be left alone. I wanted nothing to do with the war brewing among all the Supernaturals and have grown tired of fighting all these centuries. All of us are screwed up anyway; but who am I to judge who drinks blood and who eats souls?     As luck (or lack thereof) would have it, I get sucked into one last mission with the vampires and the next thing I know, I find a half-naked demon chained to my bed; and let's just say she is not happy.  And, as much as I enjoy seeing a beautiful woman grace my bed, unfortunately, I'm not happy either.     Of all demons, someone delivers to me a Black Blood Slayer; demons bred to do one thing and one thing only: kill vampires.  Her blood is spiked with a desire I long to tame, but if I do, I could be six-feet under... again. And this time forever.  But her fighter's spirit and tenderness shakes me to my missing soul, wanting to claim her with a need I cannot name.  But with both of us on the run and my people gunning for us, how can I be sure she wants me to love or to kill?     -Commander Tristan Castillion, Vampire Royal Guard

Selene by Shelique Lize

My name is Selene and I am a moon goddess. Between my siblings and me, we control the balance of the universe. Without us, the mortal and immortal realms would be thrust into eternal chaos. Don’t ask me what that means. It’s what I’ve been told for as long I can remember. I have never questioned my existence because it was the only life I have ever known. Then one day, everything changed when I became enthralled with the earth.

I couldn’t resist the alluring beauty that beckoned me almost every single night. My curiosity was so fierce and dominate, it was becoming impossible to ignore it and I gave in. I found the only god brave enough to take me to the mortal realm but he wanted something in return. He wanted my body, and I gave it to.

I went to earth and experienced life like never before. It was like my eyes were opening and I started to question my entire existence. Feelings all of a sudden are very present and then everything changed again, when I fell in love with a human.

Being a goddess has never been so complicated.

One Last Lullaby by Kallysten

When Kirsten walks back into Jacob’s life after years of estrangement, it’s not to resume the relationship she once ended abruptly. Instead, she’s there to work as a mage for the same agency in which Jacob is a Special Enforcer… or at least, that’s her story and she’s sticking to it. Whether Andrew, her boss and one of Jacob’s fathers, hired her for her skills or to get her back in Jacob’s life is anyone’s guess.

Although Jacob is determined to see in Kirsten a co-worker and friend, he still loves her as much as he ever did. He used to believe she was ‘the one,’ and even years after she broke up with him he still doesn’t understand what happened. It doesn’t help that every little thing she does reminds him of what they once shared.

As the agency battles deadly demons night after night, the relationship between Jacob and Kirsten goes from awkward to downright painful… until one botched magic spell traps them in a strange world inhabited by the demons, and the only way back will require them to reveal to each other their most painful secret…

Lust by Liz Gavin

Magical, sinful New Orleans attracts many lost souls who find haven at kinky Club Desire. Marcel Revault is the real deal: bound to the house, haunting it for over 150 years. Clara Hervaux, movie-star extraordinaire, indulges in her dark side as a club regular. As an empath, she’s gotten hooked on Marcel’s otherworldly sexiness. When Clara goes missing, Marcel uses their empathic link to find her, but can he break the curse to save her? Or will Clara fall prey to the jealous witch who cursed him?

Witch Playground by Isis Pierce

When Samantha Smith agreed to cast a spell to sneak her friend Sassy into the hottest paranormals’ club in Vegas, she never thought she’d actually get caught. Now she’s facing a trial and the possibility of losing everything—including her magic, and maybe even her life. To get out of legal trouble, she might have to sleep with a vampire or go to hell with a bounty hunter. Maybe both. And that’s a whole new kind of trouble.

Frozen Soul by Catherine Banks

A wolf's love is forever...and so is the bond of the pack.

Even after she broke it off with their Alpha, Tysen, the pack still loved Jess. So when they discover her current boyfriend, Jon, is literally draining her soul, her wolf family is right there to come to her rescue. Back amongst their ranks, the bond she shares with them, and Tysen, grows stronger than ever, and she can't deny how desperately she's missed them all.

But now the truth of Jess and Jon's relationship comes blasting through the door and brings everyone to their knees; she's sacrificed more for the pack than any of them realized.

The question now remains: is there a way for Tysen to save her soul?

Taste Of Darkness by Catherine Vale

Natalya should have known better than to watch the handsome fisherman from the shadows, but she found herself drawn to him, night after night. If she had only stayed away from him, he would not be facing the darkness that will now haunt him for eternity. But she couldn’t stay away, and now it’s too late; he’s been turned into an abomination, a creature that will never again be free.

Natalya is all that Caine has left. He just doesn’t know it yet.

Natalya knows better than anyone what it’s like to have her world ripped out from under her, forced into the darkness, never to walk in the sun again. It wasn’t long ago when she was turned into a blood-sucking vamp, a ruthless killer. So when she finds herself to blame for an innocent human being turned, she knows that it’s up to her to save his life. But when Caine awakens to discover what he has become, will he ever be able to find his place in a world, where he just doesn’t fit in? And can he learn to forgive Natalya long enough to fight alongside her?

When a merciless pack of werewolves scent the newly created vamp, they will stop at nothing to destroy him, and everything he loves. Caine must learn to embrace his darkness, if he wishes to survive.

#WORDSTURNMEONCSA

[kayannsalmazan-blog]

2nd Pitch Deck Presentation

Last week I and my team do a lot of preparations for our second pitch deck presentation. We visited again the DTI for the information that we are asking, the number of event organizing business who are registered here in Cagayan de Oro City but sad to say we didn’t get what we want. Some of staffs of DTI was not around because they have an event on that day. We just leave our name and contact number to inform us that they have the information that we want. After that we organize our power point presentation for the betterment of our start-up. From our problem until the summary we focus in filling all the information’s that we have.

Our Target Market consist of 1,500 for our TAM, 700 (47%) for the SAM and 50 (0.03%) for the SOM. Our Economics consists of three year total cost for the survival of our start-up we total all our expenses based on our research and experience. A three competitors that we have twitter, Facebook and domain operators which are commonly used by our target customers as means in promoting their business. In one year we categorized our actions into three namely launch of products, hiring of staffs and marketing campaign which we are needed 800,000 php to lunch Roses and Vows with our compiling marketing campaign. This information`s help us a lot to strengthen our product.

The team decided that we will have a three representative for the pitching presentation Miss Lovely Paculanan, Miss Alicia Galito and I myself for us to divide the presentation and so that we can memorize our script. After the power point we then create our script in our assigned topics and practice for it.  September 6, 2017 was our second pitch deck presentation with three panels. We are confident of Roses and Vows by the help of the data`s that we have. Miss Keisha Berondo discussed our enhanced wireframe. We are glad to hear of all the positive comments from our panels specially that one of them experienced the burden in finding event organizers here in the City. They give some advice and information`s to increase our market size like wedding proposals. I am proud of my team for getting this idea was very helpful for us, as we are the first to develop platform that gathers all event organizing business to showcase their services. We now focus for coding roses and vows and show it to our target customers for their comments to satisfy their needs.