#Overdraft Line

[heritagefinancialcreditunion]

Avoid the stress of overdraft fees with Heritage Financial Credit Union's Overdraft Line of Credit. Learn how this flexible financial tool can protect your account from unexpected shortfalls and provide peace of mind. Ideal for managing your finances smarter. Explore your options today!

[immortalsins]

what is it about my dads house that makes me want to end it all

[fincrif]

Personal Loan vs. Overdraft: Which Is Better?

Introduction

When it comes to managing unexpected financial needs, individuals often look for credit options like a personal loan or an overdraft facility. Both options provide access to funds but work differently in terms of borrowing limits, interest rates, repayment flexibility, and overall cost. Choosing between a personal loan and an overdraft depends on various factors such as loan tenure, purpose, and financial stability.

This article compares personal loans and overdrafts, helping you determine which is the better option for your financial needs.

What Is a Personal Loan?

A personal loan is an unsecured loan offered by banks and NBFCs (Non-Banking Financial Companies) to individuals for various purposes, such as medical emergencies, home renovation, wedding expenses, or debt consolidation. The borrower repays the loan in fixed monthly EMIs (Equated Monthly Installments) over a predetermined tenure.

Key Features of a Personal Loan

Fixed Loan Amount: Lenders approve a lump sum amount based on eligibility.

Fixed Interest Rate: The interest rate remains unchanged for the tenure (unless it’s a floating rate loan).

Structured Repayment: Borrowers must repay the loan in equal EMIs.

Loan Tenure: Typically ranges from 1 to 5 years.

Eligibility Criteria: Based on income, employment status, and credit score.

Advantages of a Personal Loan

✅ No Collateral Required – Most personal loans are unsecured, meaning you don’t have to pledge assets. ✅ Lump Sum Disbursement – You receive the entire loan amount upfront. ✅ Predictable Repayments – Fixed EMIs make budgeting easier. ✅ Higher Loan Amounts – Personal loans typically offer higher limits than overdrafts. ✅ Improves Credit Score – Timely repayment positively impacts credit history.

Disadvantages of a Personal Loan

❌ Prepayment Penalties – Some lenders charge fees for early repayment. ❌ Longer Approval Process – Requires documentation and credit checks. ❌ Fixed Monthly EMIs – You must pay the same amount every month, even if you have excess funds.

What Is an Overdraft?

An overdraft is a credit facility linked to a savings or current account, allowing you to withdraw more than the available balance, up to a predefined limit. Interest is charged only on the utilized amount for the duration it remains outstanding.

Key Features of an Overdraft

Flexible Borrowing: You can withdraw funds as needed, up to your approved limit.

Interest on Usage: Interest is charged only on the amount you use, not the entire limit.

No Fixed EMI: You can repay any amount at any time, as long as you stay within the overdraft limit.

Linked to an Account: Usually attached to a bank account or a pre-approved credit line.

Advantages of an Overdraft

✅ Pay Interest Only on Utilized Amount – Unlike a personal loan, where interest is charged on the full amount. ✅ Flexible Repayment – No fixed EMIs; you can repay whenever you want. ✅ Instant Access to Funds – No lengthy approval process; funds are readily available. ✅ No Prepayment Penalty – You can clear the outstanding balance anytime without extra charges. ✅ Great for Short-Term Needs – Suitable for temporary cash flow shortages.

Disadvantages of an Overdraft

❌ Lower Credit Limit – The approved overdraft amount is often lower than a personal loan. ❌ Higher Interest Rates – Interest on overdrafts is generally higher compared to personal loans. ❌ Risk of Overuse – Easy access to funds may lead to unnecessary borrowing and debt accumulation. ❌ Requires a Bank Relationship – Overdraft facilities are often offered only to existing account holders.

Personal Loan vs. Overdraft: A Detailed Comparison

FeaturePersonal LoanOverdraftLoan TypeFixed amount, repaid in EMIsCredit limit linked to an accountInterest RateLower, fixed or floatingHigher, varies based on usageRepaymentFixed monthly EMIsFlexible repayment scheduleApproval TimeCan take a few daysInstant for pre-approved accountsLoan Tenure1 to 5 yearsOngoing, no fixed tenurePrepayment ChargesMay applyNo chargesBest ForLong-term expenses (medical, education, home renovation)Short-term cash flow needs

Which Option Is Better for You?

When to Choose a Personal Loan

Opt for a personal loan if:

You need a large lump sum amount for planned expenses like home renovation or education.

You prefer structured repayment with fixed EMIs.

You want a lower interest rate compared to an overdraft.

You are eligible for a longer loan tenure to manage EMIs comfortably.

When to Choose an Overdraft

Choose an overdraft facility if:

You require occasional short-term funds rather than a lump sum.

You want to pay interest only on the used amount.

You need instant access to funds for emergency expenses.

You prefer a flexible repayment schedule without fixed EMIs.

Conclusion: Which Is the Better Option?

Both a personal loan and an overdraft have their own advantages, and the choice depends on your financial needs. If you require a large, one-time loan with predictable repayment, a personal loan is the better option. However, if you need a flexible credit line for short-term financial gaps, an overdraft is a more convenient alternative.

Before choosing, assess your financial situation, repayment capacity, and loan terms carefully to make an informed decision. Always compare lender offers to find the best interest rates and repayment terms that suit your financial goals.

[what-even-is-thiss]

Democrat posting is utterly shameful, like, yeah, go on, Biden is doing so much good, we just don't hear about it because????

We don’t hear about it because the media is still focused on reporting on Drump’s scandals after all these years. They keep giving him more attention!

I still see people saying stuff like “why didn’t Biden forgive student debt?” when he very much tried to and was shut down by the Supreme Court and he still pushed through as much debt forgiveness as he could.

Biden also got the transportation bill passed. He got new climate legislation passed that other countries are now copying. He’s overseen the largest number of new jobs being created of any one presidential term in US history. He got federal legal protections for married gay couples passed. He’s extended overtime pay protections to more people. He’s the first president to have walked a picket line with striking workers. He’s worked to protect people’s pensions. He signed into law protections for pregnant people in the workplace. He’s implemented a minimum corporate tax so multi billion dollar companies can’t get away with paying zero dollars in taxes. He’s given Medicare the right to negotiate prescription prices. He’s put a cap on insulin prices. He’s introduced tax credits for certain energy saving devices like heat pumps. He’s reduced overdraft and late fees. He’s brought semiconductor manufacturing back to the US. He increased federal support for veterans that have been exposed to toxic substances. They worked to get cancer screenings back to pre-pandemic levels. He expanded access to naloxone and reduced deaths due to overdose on opioids by 10%. He was one of the world leaders involved in getting Sweden and Finland to join NATO. He strengthened a lot of our alliances. He signed significant gun control legislation into law for the first time in 30 years.

I could go on and on and on about the positive things that Biden has done. I could also go on about the bad things. However, people seem to only focus on the bad things to the point where they’ve actually convinced themselves that somehow Drump would be the same or better. It’s lunacy, the amount that the media ignores the positive news.

[nicestgirlonline]

Something Sweet

Pairing: Sugar Daddy! Bucky Barnes x fem!Reader

Warnings: 18+ smut ahead!!! Thigh riding, public stuff, dirty talk, sugar relationships, power dynamics, dom/sub undertones

Word Count: 4.9K

Summary : A chance run in with a handsome stranger turns out to be the opportunity of a lifetime

a/n: for @the-slumberparty September Bingo Challenge! No bingo for me this round, I got it in JUST UNDER THE WIRE! Takes me waaaaayyy to long to write lol. Thanks for reading, I’d love your feedback! Reblogs and comments are love <3

You placed the candy bar on the counter in front of the very bored cashier. You dug through your purse and pulled out your debit card and handed it over. A queue had started to form behind you as you tapped your hand in anticipation. 

“Declined.” The cashier said, holding out the card for you. Your stomach dropped. You were afraid this was going to happen. You were so sure that you had enough in your account for at least a candy bar. You had paid the overdraft fees from last month, so you should have been set. Your stomach gurgled a bit. You were so hungry. 

“Um, can you try it again?” You asked, hoping it was some sort of mistake, that the bank was just a little slow to catch up with your account. She let out a sigh and placed it in the machine again.  

You could feel the stares behind you. You looked back at the line; directly behind you was a tall man dressed in a suit, checking his watch. He looked like he must be very important. He had dark brown hair that was neatly styled and just a touch of a five o’clock shadow. It was incredibly handsome. His icy blue eyes flicked from his Rolex to you, making you quickly turn back to the cashier. 

“Declined. Again.” The cashier handed it back this time with a look insisting you take the card from her. Humiliated, your cheeks began to turn red. 

“Sorry.” You mumbled as you shoved your card back into your purse so you could clear the shop as quickly as possible. In your haste, you accidentally ran into Mr. BusinessMan. You collided with his body like a brick wall. “Sorry! I’m so sorry! Fuck I’m a mess.” You cried out as you ran past him this time. 

You ran directly out onto the street, the cool air filling your lungs. You dropped down onto the curb to spend a minute catching your breath. You could feel your heart still racing, your body going into fight or flight mode. 

Money, money, money. It all always came back to money. If you didn't have the money for a god damn candy, how were you going to make rent in less than two weeks? Tears threatened to escape your eyes and you squeezed them shut. 

Here you were, no food in your stomach and soon to be no roof over your head. You looked at your phone, a flip phone from 2013 that miraculously still worked. The last text you had gotten was from your mom “Fridge broken. Send more this month.” 

God fucking damn it. 

“Hey! I think you forgot this.” A deep voice called out behind you. You turned to see the business man from the shop! Confused, you grabbed your purse and checked to make sure you hadn’t left your keys or something. The man held the bar you had left at the counter. He held it out to you. You didn’t go to grab it, you just stared.

“Oh. Um, you didn’t have to…” You began but he squatted down next to you and placed the candy on your lap. 

“We all have bad days. Doesn’t cost me nothing to be nice. You look like you deserve something sweet.” He had a very kind smile on his face. It did cost him something though, it cost him more than what was currently in your bank account. “You ok?”

“I’m…I’m ok. I’m going to be ok. Thank you, really.” You could feel the tears spilling over and you started to wipe your face so he wouldn’t see.

“You must really like candy to be crying over it.” He lightly joked, which only made you want to cry more. You let out a little laugh that sounded more like a strangled gasp. It was so overwhelming, the simple act of charity.

“It’s just…really really nice of you.” You gasped, the tears finally flowing freely. “I don’t remember the last time anyone has ever given me something…I’m sorry. I’m sorry.”

“Hey, hey, hey, you’ve got nothing to apologize for.” He reached out and placed a hand on your shoulder to comfort you. “I’m James.”

You gave him your name, finally ceasing your tears. You took a deep breath, you couldn’t just fall apart in front of this kind stranger, he was probably running late to some sort of business meeting anyway.

“You have a way to get home?” he asked, he pulled out his phone and began to tap on it. You nodded your head. 

“Yes, yes I do. I have money left on a bus card, really thank you so much James.” He smiled at you when you said his name. He placed his phone back into his suit jacket. He took your hand and helped you up.  With your spiral into darkness slightly stalled, you took in your savior. He was so classically handsome. When you looked into his blue, blue eyes you felt like you were drowning in them. He tucked a piece of your hair behind your ear, your heart raced. 

“Get home safe, alright doll?” You nodded, clutching the candy bar to your chest. You took off down the street after giving a soft goodbye. The kindness of strangers had given you more hope than you had in a long time. 

You idly wondered about James as you ate on the bus. Your money problems were still lingering in the back of your mind but your thoughts were clear. 

You tore open the candy bar, taking a bite of the delicious treat. The chocolate melting on your tongue, the sugary sweetness coated your mouth. You got a rush from the sugar and let out a sigh. 

Maybe things were going to be ok, it was a sign that the universe was on your side. 

{}{}{}

You put on your waitress face and did your best to keep up the highest energy tonight. You were all bubbles and giggles throughout the shift. You would smile and laugh at every lame joke a customer would tell you.

Half way through your shift the place was packed. You should be grateful it was busy, you were getting good tips but hadn’t had a moment to breathe since you walked out onto the floor. You carefully balanced a tray of shots and an order of bacon-wrapped dates to drop off before you made it to the party that just sat down in your section. The hostess had put them back in the booth that was partially tucked away with velvet curtains. Big spenders for sure. You smoothed down your dress and tossed your hair over your shoulders as you made your way over. 

“Hiii how are we doing tonight Gentle--” You began your usually bubbly opener, voice high pitched and energetic but as you took in who was sitting in front of you, you stumbled. 

James. Your candy savior. The bodega hero. Him and three other men were waiting to be served. He was wearing a new suit, this one with no tie and a few buttons undone from his shirt. Damn he could really rock a suit, he filled this one out perfectly too. FUCK.  

“Ahem, excuse me gentlemen. So what can I start you off with?” You quickly recovered, grabbing your pad and pen and focusing your eyes on the paper. You prayed that with your heavy makeup and fluffed up hair that maybe he wouldn’t recognize you, or maybe just wouldn’t even remember. 

“Hey there sweetheart, hope my good looks didn’t startle you.” His charming grin grew as you bashfully waved your hand at him.

“Oh I'm used to handsome, it's just a little busy in here tonight. Are we just starting out the night? Maybe with some shots?” You offered with a grin of your own. He seemed pretty pleased with your flattery. James was silent as the other two ordered a round of shots, his gaze was fixed on you. You went to turn to put the order in but as you went James’s hand shot out and he grabbed your wrist. 

You froze and stayed.

“Hold on a minute Doll, you didn’t take my order yet.” His voice was low and easy. You lightly moved your hand out of his grasp to put pen to paper. You nodded to him hoping to get his order. “I want a whiskey. Neat. And bring the whole bottle out.”

“Whoa, we’re getting bottles tonight?”

“Sounds like you guys are going to have some fun!” You said quickly writing down the order with a flourish. This time you managed to escape to put the orders in. As you waited by the bar for the orders you felt your heart racing. It wasn’t just the adrenaline of the fast paced night. Seeing James again had put you completely off kilter. It was humiliating, the last time he saw you, you were crying in the street. He must find you so pathetic. If he even recognized you?

James and his party stayed practically til closing, ordering more and more. The bill they were racking up was so notable that Jeremy himself came out to thank them for their patronage. The other girls were all playfully jealous, it wasn’t you who could normally hook in the big spenders like that. 

“Sadly, it seems we’ve got to end it here. Little guy can’t hold his liquor.” James said motioning to the one you learned was named Sam.

“M’fine.” He slurred. The blonde man who was called Steve laughed and threw an arm around him as he swayed. The two made their way to the exit leaving you alone at the table with James. He smiled at you expectantly. You just wanted the night to be done with. 

“Whenever you’re ready!” you placed down the bill on the table. 

“Hold on Doll, I’m ready now.”  He pulled out a shiny black card from his wallet, and quickly scribbled down on the receipt. You took the card with a smile, ready to go charge it. You glanced down on the tip and your eyes nearly fell out of your head. 

He had given you a 100% tip.

“Problem?” He asked, innocently cocking his head to the side. You glanced at the bill again, rereading it as slowly as you could to try to make sure you weren’t mistaken.

“I think you might have mixed up the tip and the total-” 

“No mistake. I’m tipping for the fantastic service.” 

“I really don’t know how comfortable I am with that James. Is this because of this morning?” Your voice was pathetically small. 

“Oh so you do remember me?” He asked flatly. You looked up at him. His sudden tone made your stomach clench. 

“I mean…of course I do but that’s not very professional of me. I’m sorry-” You immediately tried to amend the situation. This was somehow your fault, you could tell. 

“You apologize a lot. You don’t have to be sorry for getting something you want.” James’s tone was no longer angry. 

“I don’t need pity.”

“It's not pity, Doll. You gave me a service and now I’m paying you what I think is fair. I know you probably aren’t used to people giving you what you’re worth. You probably don’t even know what your worth is, do you?” When his icy blue eyes met yours it was like you were really being seen for the first time. You loved it as much as you hated it. 

“I’m not…I’m not worth anything much. Here’s your card sir, have a good night.” 

You ran off, your face hot with humiliation. 

{}{}{}

You had hoped that would be the end of it. Even with the insane tip from James you were still on the outs with your money. Now that rent could be made there was the electricity, gas, and water. Then the money you would send back to your family, oh and food for yourself. You couldn’t forget that. You kept all ten shifts that you had managed to beg Jeremy for. The big night with James made him much more amenable to your requests. 

It was only for a split second but you saw him at the hostess table. With two different men at his side, there stood James for the second night in a row. You whipped your head around and scurried to the back. 

“Wanda, he’s here again. Again!” You squealed to your co-worker who was just preparing to start her shift. 

“Who, Mr. Moneybags? Well aren’t you lucky.” She said, giving you a playful glare. 

“I don’t want to deal with him again. Please take my table?” you pleaded. 

“Don’t need to ask me twice, I’ll be getting that nice tip tonight.”  She tossed her coppery hair over her shoulder and smoothed down her dress one final time before strutting out onto the floor. 

He wasn’t here for you, you told yourself. You were just being paranoid. Wanda was going to have all of them eating out of her hands by the end of the night, you told yourself as you started out towards your first table. You pushed it from your mind. 

But you couldn’t help but glance over to his table, and the glance was more than enough to see that James was not happy. Wanda and her incredible curves didn’t seem to distract him at all. You could see her laughing and chatting but James was a dark cloud.  

Fine, who cares, he was going to give Wanda a ludicrous tip because he was a generous tipper. He wasn’t pitying you, he wasn’t trying to give you charity, that's just who he is. You scamper towards the kitchen to put in your orders and hopefully hide out a while. 

Wanda came back towards the kitchen, placing her orders and grabbing the food that was ready. Her beautiful smile fading into a line when she made eye contact with you. 

“They were really really insistent that it has to be you tonight. Even just to go over and say hi. ” She said, her tone was dry. Nervous butterflies erupted in your stomach. You bit your lip. What could this possibly mean? 

{}{}{}

You were normally pretty steady in your heels, but the floor was suddenly uneven as you approached James’s table.

“Well hi there, gentlemen. I-I can take your drink orders tonight. Give Wanda a hand.” You babbled, trying not to flub over any words. 

James smirks at you victoriously. He doesn’t need to say anything, his eyes say it all. He had gotten his way.  

The party once again racked up a ridiculous tab.  Nothing was stopping him. The rest of the table had cleared out quickly, leaving just you and James. 

He opened his wallet and laid out the tip, bill by bill. He pushed the fat stack to you, not breaking eye contact once. 

It was multiple hundred dollar bills, but you were too stunned to count. The anxiety that had been building since you first caught a glimpse of James again finally came bursting out of you in a tidal wave. You tossed the cash back on to the table. 

“Please stop. I can’t…I can’t keep doing this, I don’t know what you expect from me.”  You gasped, allowing your facade to crack as you stared up at him with tears wetting your eyes. 

You weren’t scared. But you were confused. This sort of attention must have meant he wanted something from you and…you were fairly certain of what that was. 

“This is how this business works, you did something for me, and I paid for your services.”

“I -- I--” Your breath was caught in your throat as he leaned closer to you to tuck a lock of hair behind your ear. 

“Poor thing, you’ve never been treated well in your whole life, have you? I know why you’re so nervous. You’re not stupid, you're really smart. I don’t expect anything from you tonight.”

He took a breath and it was like he was stealing the air right from your lungs. “But. I would like to make an offer, if you’d be interested. I just want one hour of your time.” 

“I’m not a whore.” 

He caught your chin in his hand and made you look back at him, his eyes dark and humorless.

“What an ugly word. Nobody’s calling you that doll. Have dinner with me.” His thumb traced over the apple of your cheek.  

{}{}{}

One hour of your time. You kept thinking about it over and over again. It was just one hour. This ostentatiously wealthy man was paying you to have dinner with him. It’s not a crime. But it felt so dangerous. Sneaky and dirty. Part of it was terrifying but it was also…exciting. 

This restaurant was leaps and bounds above your place of work. It was all very classy. You tugged on your skirt just a bit, hoping you weren’t going to stick out. You were brought through the restaurant, up some stairs to a private party room. It was a huge table, with only two places set,  a glow with dozens of candle’s soft light. The walls were all windows, looking over the restaurant the other a breathtaking view of the city. 

James was waiting for you when you arrived. He looked you up and down appreciatively, his eyes lingering. He stood up like a gentleman when you got to the table. He pulled the chair out for you. 

“Oh um, thank you.” You said as he pushed you into your spot once you were seated. 

“No thanks necessary, Doll.” He placed the napkin from the plate on your lap before returning to the seat across from you. The waiter who brought you up took your drink orders before leaving you alone. 

The door clicked closed and suddenly there was a tense silence between you two. What was next? Were you supposed to say something? Or should you wait for him? 

“I trust the ride over was pleasant?”

“Yeah, um, no issues at all. I’ve never been here before, any recommendations?” Why were you so awkward? Should you be seductive? Should you be professional? Was this a business transaction or a date? Every time your eyes met his he looked hungry. For you. It made you flush. 

“You can get anything your heart desires. Pick out whatever has the most zeros next to the name.” He grinned. “The seabass is pretty good too.”

You wrinkled your nose a bit. “It's not too…fishy is it?” 

“Well it is fish.”

“But is it fishy fish?” James laughed at that. 

“It's a fishy fish. The steak is good too, but it's a steaky steak. So you know.” He joked. It made you laugh a bit too. It was like a spell was cast over you, the tension was released and your nerves vanished. The conversation flowed between the two of you easily.  

Your food came, he didn’t bring up anything. He had asked for an hour of your time, because he was going to propose something to you. You had friends who had “boyfriends” who weren’t really their boyfriends. Men who would pay for the fun that night, but they got paid back in other ways. 

You never had thought of yourself as that girl. But here you were. The anticipation made you nervous but you couldn’t deny the excitement.

He ordered dessert for the two of you, champagne and strawberries with cream and chocolate. 

You glanced at your phone, there was about ten minutes left of “your time” that he had purchased. 

“I hope I’m not so boring that you’re counting down the minutes.” James commented as you put your phone back in your purse. You shake your head.

“No I just…we have some things to discuss right? And an hour is what you asked for…”

“I am willing to pay overtime, if you’re still enjoying yourself. But if we’re down to the minute here, we should talk.” He folded his hands on the table. 

“I like you, I think that we can make something together. You seem like you need some help and call me old fashioned but I just can't resist a damsel in distress. I’m a busy man, with a lot of work and a full schedule, not really much time for dating. Not a fan of the apps either. What I am looking for is an arrangement. I want a companion and can keep you very well compensated for it.”

“So you’ve had…arrangements like this before.” You asked slowly. It didn’t make much sense to you. He was so unbelievably handsome. How could he have trouble finding anyone to be with?. He filled out his clothes so well, his strong square jaw made you want to swoon. How could it be you that he wanted? 

“Yes. Does that bother you?” 

“I-I’ve never done anything like this before.” You admitted. You cleared your throat. “What sort of things are you looking for from your…companion.” Your eyes were suddenly very focused on the bowl of strawberries in front of you. You hadn’t had a boyfriend before, but you’d been with men. Your idea of a sugar daddy was always a creepy old man, desperate for a young thing to fuck. But he didn’t seem desperate at all. The way he pinned you with his gaze was making you feel desperate for him. 

James reached out and placed his hand over yours.

“I am looking for everything. I want someone who’ll keep me company at home, someone I can buy gifts for, someone I can take out on dates.” He squeezed your hand, rubbing his thumb in circles over your wrist. “I’d like someone who’s going to stay the night too.”

Your stomach flipped. You knew what he meant. 

“Ah, like, sleepovers?” You giggled nervously. “I was never allowed to have those, as a kid. I always had to watch over my siblings.” 

“I didn’t have any either. Romanian immigrant parents. They didn’t really…get it?” James smiled, it was different from the grin that had been on his lips all night. It almost seemed shy.  “So maybe we should make up for lost time, hm?”

“But what would it be like? Being your…companion?” You were testing the waters. He was being a bit too vague for your liking. The word sugar baby had never been said but that’s what this was going to be wasn’t it? He wasn’t asking you to be his girlfriend. But he wanted you. And you wanted him. 

Should you get a contract? Or was that only something that happened in trashy romance novels?

He picked the bottle of champagne, his veins bulged in his strong grip. He easily flicked the cork off, popped the champagne with a loud bang that made you jolt. He smirked at your reaction. He poured himself a glass effortlessly then stood, walking to your side of the table. He was completely relaxed, in total control the whole time. 

He towered above you as he poured the bubbling liquor into the champagne flute in front of you. You could smell the rich musk of his cologne. He picked it up to offer it to you.

“If you agree to be mine, I would take you out to nice places like this, buy you whatever you like and then we would keep having fun all night.” His eyes sparkled. Your heart began to flutter, his eyes making you feel like you were the only person on earth. And you could get anything you wanted. 

You took the flute from him. You took a sip of the dry sparkling wine. It tasted expensive. 

“Do you want me to quit my job?” You said plainly. 

“Being CEO means I don't exactly have a 9-5 schedule and neither does a cocktail waitress. I don’t want to have to deal with scheduling around each other. Part of this is about you being available to me. You can take a leave of absence?” He was still standing, but had leaned against the table facing you. The CEO drop gave you a slight pause. You knew he was rich but…you were nervous to ask just how rich. Did it matter? You wondered to yourself. He was so handsome, you didn’t need specifics. You needed him.

“I don’t think that's an option for me.” You said trying not to roll your eyes. 

“Trying not to seem too pushy Doll, but…I want you to quit your job. I’ll be your job from now on. I can cover any of the expenses you’d need a job for. Being mine means spending late nights at my apartment, weekend trips to Europe, I don’t want you to worry about anything but me. If you agree, of course.”

He held out his hand to you. “Or is my time up?” 

You grabbed his hand. Your fingers interlocked. You nodded your head. James smiled and pulled you out of your seat. You quickly stood, eyes looking up into the icy blue pools that captivated you. His lips lightly pressed against yours. It was so soft and romantic, you surrendered to him easily. Your lips moved against him, assuring him, assuring yourself, you could do this. 

“You know why I got the strawberries right?” He asked as he pulled away motioning to the nearly forgotten dessert. 

“Yes…I’ve seen Pretty Woman. They bring out the sweetness of the champagne” You replied smartly. He laughed again. You made him laugh a lot, and every time you did your heart would race.

“I got them because I’m pretty sure you have a sweet tooth. And I thought it could be fun.” He scooped a dollop of cream onto a berry and brought it up to your lips. You obediently opened your mouth, taking a bite of the fruit. The bright, sharpness of the berry was contrasted by the fluffy sweetness of the cream. It was so decadent you needed a minute before you could take another bite. 

He pressed his hands against the small of your back and guided you slowly towards him.

He eased down onto the chair, planting his feet on the floor. 

He gripped your hips and pulled you to straddle his thigh. He guided you down and you followed his lead. You slowly lowered onto him.Your crotch rubbed against his thigh, you grabbed onto his shoulders to try and steady yourself. His fingers went to your dress and hiked it up to your waist.

You let out a gasp, your eyes quickly darting to the door. He grabbed your chin and pulled your focus back to him. 

“You don’t have to worry about anything tonight. You just have to be mine.”  He murmured, his breath fanning over your face. Your face was burning with embarrassment, you’d never been so intimate in public before.

He began to tap his heel making you bounce up and down. His hands went to your ass. The delicious friction made you bite down hard on your lip as your arousal started to mount. 

“James ahh--” You tried to ask but pleasure started to rocket up your core. Your eyes rolled back as he continued to rock you on his thighs. He shushed you, burying his face in your neck. His hands finally left your hips and grasped your breasts.  You moaned at the sensation. You wrapped your arms around his neck, arching your back bringing his face to your cleavage. 

Your hips moved of their own volition now, faster as the sweet ache between your legs grew. 

They glided over and over his thick thighs, building in speed as you chased after your high. Bouncing up and down, no longer concerned with anyone who might see. 

“What do you want?” he gasped. Suddenly stopping you mid thrust, his grip on your ass held you still. 

“Huh?” you whined, wiggling your hips a bit, but he held you firm. 

“Tell me sweetheart, how do I close this deal, what do you want?” James whispered in your ear, letting his breath tickle you. 

“I--” You took a moment. Your panties were soaked through, you could feel your slickness on his pants. You felt so wanton, but this was what you wanted. “I want my rent paid.”

“Done.” 

“And I want a new phone.” He just nodded as his lips connected with your neck. You moaned as he lightly bit down on your neck alternating between pain and sweet kisses. You suddenly felt powerful, more powerful than you ever had in your life. “I also have student loans and money for savings a-and my sister’s starting high school this year and she’s going to need a laptop, so--” 

His lips had finally worked your neck enough and collided with your lips. He kissed you so fiercely, so overwhelmingly hot that you completely lost your train of thought and surrendered to it. 

“Deal.” he panted as he pulled away from your lips, his forehead resting against yours. You started to ride his thigh again, desperate for a release as the coils inside you wind together tighter and tighter.

“Fuck Doll that’s right, use me, ride my thigh, you’re mine now. Show you how good it is to be mine.” James grunted as you chased your high.

Waves of pleasure came crashing over you. You writhed on his thigh, your panties sticking to the sides of your walls as you collapsed forward. Pressing your head to his shoulder, you could feel him chuckling.

You liked being his. You felt small in his lap as he smoothed down your dress. He wiped some of the sweat off your brows. 

You take another sip of the champagne. It wasn’t sweet, but you could get used to it.

[portraitoftheoddity]

Ok, tumblr -- economic literacy lesson of the day is the difference between Net Worth and Liquidity.

Net Worth, for a person or company, is the total value of one's assets minus the total value of one's liabilities. This means: how much all of your shit is worth, after you subtract any debts you have.

Liquidity by contrast is how much of your assets you have readily available as spending money, or can quickly and easily convert to spending money (selling stocks or bonds, for instance).

For example: meet Bob. Bob owns a house worth $300k. His car is worth $5k. He has about $15k in the bank and $50k in a retirement fund that he can't pull from until he's 60. Bob has a mortgage on the house and still owes $100k, and has about $5k in other debts he's paying off, such as credit cards.

Bob's total assets (house, car, retirement fund, bank account) are worth $370k, with debts of $105k, leaving him with a Net Worth of $265k.

Now you may be saying "$265,000 is a lot of money! Bob is pretty wealthy!"

But Bob's assets are largely not liquid. He can't quickly and easily convert them into spending cash -- for physical objects, like a house or a car, you need to line up a buyer and negotiate a deal and it takes time to liquidate those assets (and leaves Bob with nowhere to live and nothing to drive). The retirement fund is not accessible money because of the limits on withdrawals based on age. In fact, the only money Bob has that's liquid for him to spend on bills, living expenses, and any emergency that might come up is the $15,000 in the bank.

Now imagine Bob gets injured and gets rushed to the hospital in an out-of-network ambulance because Bob has the misfortune to live in the US, and after the bills, Bob's $15k in the bank is completely wiped out. Bob still has a Net Worth of $250k, but he is now completely broke and getting hit with overdraft fees and still in debt.

Now, I wanna be clear -- this isn't a defense of the ultra-wealthy; billionaires whose net worth is largely accounted for by the businesses and assets they own still have more cash in their overseas bank accounts than you and I will probably ever see in our lifetimes, and have ability to borrow absurd amounts of money against their stock as collateral for easy liquidity without paying taxes, which is a whole other mess. Those guys operate by different rules than the rest of us (look up the Billionaire Borrowing Loophole, or 'Buy, Borrow, Die') so if you see people using this argument for why Jeff Bezos isn't actually all that rich because he can't just liquidate Amazon-- yeah, doesn't quite work that way when we're on that level. But that's a whole 'nother bag of cats.

Anyway; I hope this helps clarify what people mean when they talk about Net Worth versus someone's actual accessible money, and hopefully helps you feel more informed!

[brood-mother]

so, the long and the short of it is: i have recently gotten a job after several long months of searching, but i don't start until april 7th and likely won't get paid until the end of april/early may. unfortunately i'm about to run out of money and what little i do have is getting eaten by daily overdraft fees

my rent is paid so i'm not at risk of homelessness but managing to get a reliable source of food for myself, my partner and our cat is proving tough (i've lost over 20lbs since jan due to simply not eating) and other expenses like travel and council tax are unmanageable.

if you are able to help, absolutely any amount is appreciated BUT my incredible friend astro ( @tentakrule ) has offered to draw a single character lined bust shot for up to 4 people who donate at least £/$50 - you can check out their absolutely delicious work @bowiesothereye (i'd also highly recommend grabbing an actual commission if you can especially for OC work bc goddamn you will not find more detail & character for such a good price).

my paypal link is here; if you do donate over 50 pls message me here so i can send you astro's contact details. thank you (and thanks again astro)!

[emerystellar]

making another post in hope it gains traction

help queer disabled texans stay in their apartment for pride month

immediately i need 290 so i can get just above the line of overdraft and get in a payment for rent before they go forth with evictions

0/290

paypal venmo cashapp kofi

zelle doesn’t have a link but that’s emery.nova7673@gmail.com

i can do pay what you want sketch commissions, simple graphic design, or for me to send you art prints, message me abt those if you’re interested (i can’t offer rendered art rn bc it takes entirely too long and is extremely draining for me)

i had about 2 weeks in may where i didn’t work due to doing college finals + switching over to my summer tutoring schedule in which most of my families took a break

i’ve been looking for a second job and it’s proved fruitless so far, and my partner is unable to work yet because of mental and physical disability we have to get sorted

my paycheck doesn’t come in until next week but i’m overdue and i need to make sure i have the rest of this paid off so i don’t get evicted

stretch goal: 50/670

to get out of overdraft, and get transportation to more work opportunities bc i haven’t been able to go basically anywhere in town after paying ubers for my first job

[sweetfirebird]

Americans, Republicans just voted to allow banks to charge you more for overdrafts

Overturning legislation from last year that reduced overdraft fees to $5, btw. Because these people love their donors, not you. The new fee hike is, I believe, up to $35 per incident.

Anyway...

What are overdraft fees? In non-legal terms, overdraft fees are a way for banks to charge the poor... and often the young... money for not having money.

A better explanation is that banks used to just decline transactions if you had no money in your account. Then they started offering protection against this, if you opted in to overdraft coverage. Basically, the bank will allow the transaction to go through, but if you opt into that coverage, they can sometimes charge you a fee.

How to Avoid Overdraft Fees (because I want you all to save money and not get screwed over)

Some banks do not charge overdraft fees. jsyk. Some will simply decline the transaction. Some will grant you a grace period of 24 hours to get money back into your account. Some credit unions also do not charge overdraft fees. Banks are a service! I mean, they are sadly necessary in current America but they are a service. You can change banks if you aren't getting what you need.

Go to your bank's website or app and set up overdraft alerts. Most (but not all) banks offer this.

But sometimes these alerts are only if you are overdrawn over a certain amount, which does not help you if you will still get charged an overdraft fee regardless of the amount.

Set up balance alerts through your bank. Some banks will send you low-balance alerts before you are overdrawn.

Check your account more often. I know that is nervewracking sometimes (or just fucking depressing) but, if you can't afford the $35, do it anyway. Put a little calendar reminder/alert on your phone to check your account like twice a month or something.

You can sometimes get overdraft protection through your bank, which means you link your checking account to another account (savings, usually) and the bank will cover the funds by taking money from that account. --Note-- some banks might charge you a transfer fee for this. Banks, man. Not to be trusted.

Opt out of the coverage/protection and accept that insufficient funds will mean your transactions being declined. Embarrassing, but cheaper.

Use a banking/budgeting app. I personally do not trust many of these apps, especially in America, especially in this time of Republicans (and Musk and Doge) eroding consumer protections. But a lot of people do find them helpful to help them budget or to get reminders about low funds in their accounts. --Note-- some people consider some of these apps to be more "money tracking" than "budgeting" so really it depends on what you are going for, if you want to try one. Research before choosing one for sure. Reddit has some forums about them.

The American Banking Association recommends getting direct deposit for your paychecks if you can. (My old boss never allowed DD and it was annoying, especially come rent time.) They also suggest, if you need to, asking your bank for a small line of credit to cover insufficient funds to avoid the fee--but also to pay that credit back immediately once you can.

Also if you can... try to keep a cushion in your checking account. A minimum amount that is always there to prevent this. But you know, times are hard.

You can mock it--but--for some people, using an old-fashioned checkbook to record transactions, transfers, and deposits is actually the best way for them. It might be for you as well. Who knows.

I never got this sort of advice when I was younger and first got a debit card and a checking account (poor parents means no real financial literacy), so this is yet another issue I am passionate about. Sorry not sorry. The amount of fees I got charged... the credit card debt... I don't want that for any of you.

And, this isn't overdraft advice, but I also set up reminders for the bills I pay that are not autopay (for whatever reason), so that I do not make late payments and don't get dinged on my dumb credit score. You can set up these reminders through any calendar app.

As things change, some of this advice might no longer be applicable or necessary but as with all advice, it's take it or leave it, or take just a little bit of it. Whatever works for you.

[denimbex1986]

'...Mr. Arnold is tempted into the ball by a Doctor Who Annual and is playing the theme in the music shop scene – are you a fan of Doctor Who in real life? And what was it like making those jokes and references in front of the Tenth Doctor David Tennant?

“I’ve always dipped in and out of Doctor Who over the years since Sylvestor McCoy, who was doing it when I first became aware of it when I was growing up. Even if you’re not a fan it’s one of those shows you can’t really get away from, so doing that particular scene in front of David was really fun, and of course Douglas had directed Doctor Who as well. Apart from the amusing situation of two supposed Doctor Who fans talking about Doctor Who without realising they’re in the company of a Doctor Who, I also seem to remember Michael being the one to suggest that he would deliver his “due to problems at the BBC” line directly to David.

Oh, and I think it was actually my idea to grab the annual off the harpsichord before joining the queue behind Crowley at the end of the ballroom scene (which we’d shot weeks earlier at this point). When we were blocking it out and rehearsing I knew I had to leave my position and get to the front for my “surrender the angle” line, and then later it just felt like I wouldn’t leave without the annual so I ran back through everyone to grab it. Nobody seemed to have a problem with me doing that so I just carried on doing it when we shot it! I do remember it being a fun set with Douglas and the team being very open to suggestions.”

How did you balance filming both Good Omens and BBC Ghosts at the same time?

“Luckily both shows were a joy to work on, and everyone seems to know about both of them. We were shooting them in early 2022 and I also had a little part in an ITV drama called ‘Stonehouse’, starring Matthew Macfadyen. I usually never know when I’m working next so to have three great TV jobs at once was very unusual. There was all this date juggling and I actually almost had to turn down Ghosts due to clashes. Luckily both shows had to move some dates so it worked out. But yes, I spent two weeks up in Scotland shooting all that Good Omens ballroom stuff, then I came back down to London to do Ghosts, knowing I’d be back up to shoot my scenes in the music shop in a couple of weeks. Now, when I found out who was playing my wife in Ghosts I couldn’t believe it: Caroline Sheen – Michael Sheen’s cousin! She was amazing and that was another great set in general. I say “set”, but it’s all filmed in that house which surprised me. I’d worked with Kiell [Smith-Bynoe] and Jim [Howick] before, and Charlotte [Ritchie] was in the Good Omens radio play a few years ago and a big fan of the book. Charlotte’s very musical of course and we got talking about my folding keyboard I had for practising my Good Omens stuff, and she ended up setting it up in the house for us to have a play on!

Now, when we’d shot all our internal scenes there was this big storm forecast, and our external scenes were scheduled for the day of the storm, so that had to be moved into the next week. It meant I ended up shooting those scenes outside the house, then going straight back up to Scotland to shoot the Good Omens music shop scene the next day! When I mentioned to Michael I’d just worked with Caroline he said “ooh she’s in Ghosts is she!” and revealed that she’d texted him about me which was rather surreal. Then later after the Ghosts wrap party Kiell gave me a part in his Channel 4 Blap, so at the time I felt like I was killing it career wise, but the industry quietened a bit after that and my workload eased off over the year so I was in my overdraft by November.”

What are your plans for the future – can we expect to see you in something else soon?

“This year, after a bit of a quiet start, I was very fortunate to work on a Disney+ show called Rivals which stars… David Tennant! I think I’m allowed to say my character is called Brian, and I shot five episodes so that was another really amazing job, and great to work with David again (I told him he must be my good luck charm, although I hope he’s not sick of me). That should be out at some point in late 2024. Other than that I’ve filmed a few other bits I presume will be out next year, one of which is called Truelove on Channel 4 which actually looks really good. That starts early January. Of course now Season 3 of Good Omens has been greenlit, I would love Neil and the gang to have me back on that… but I can only keep my fingers crossed!”

[heritagefinancialcreditunion]

Discover the benefits of an Overdraft Line of Credit at Heritage FCU. Avoid costly fees and manage unexpected expenses with ease. Learn how our flexible credit solution can provide peace of mind during financial emergencies. Start understanding and utilizing your Overdraft Line of Credit today.

[omtai]

accidentally went into my overdraft and an hour later i get an email from the bank with the subject line “Fancy 14 years in prison?” … it was to warn against phishing & fraud but jesus christ i thought they were gonna execute me for going £2 under

[kipaia]

Hey guys,

I know we're all struggling out here and I hate to ask, but the last month and a half have hit me like a brick shit house. My move ended up being more expensive than planned, but that was mostly fine; what wasn't fine was the awesome job I had lined up pulled the rug on me as soon as I got settled and I had to scramble to find something fast, which I fortunately did, but at half the salary I was supposed to have.

My cat got a UTI, which was expensive but handled, my debit card got compromised and had to be suspended and I missed a few bills just due to not having access to my account, but that was handled; what's not handled is that my cat has *another* UTI, my job I currently have hasn't gotten me caught up on the expenses of moving AND the first UTI AND the fees for the missed bills from my debit card being compromised, and I thought I could ride the red to my next paycheck but now we've got the second UTI to deal with, my car is out of commission through next week, I need to Uber to work, which is not cheap for daily commutes (none of my coworkers live near me and we go in at 4:30am), and I just got notified that *another* bill I'd forgotten was attached to the old debit card had failed its autocharge and added late fees and I can't keep up. I don't get paid until next Friday (the 20th), my savings got pretty much wiped from moving and the first UTI and holding me together while i found that other job, but I'm officially overdrafted on everything I have trying to keep up and my paycheck might cover all my fees and have some left over, but not enough to get me to my next paycheck after that without getting even more fees and more behind.

If anyone is able to help out my venmo is @alyxstasia and my cashapp is $kipaia

If I can get to $400 by Monday I should be all right, anything and everything is appreciated

[valuehub]

Chime Mobile Banking: A Better Way to Bank

In today’s fast-paced world, who has time to wait in line at a traditional bank or deal with outdated services? Enter Chime, the mobile banking solution designed for the modern lifestyle. With Chime, you can manage your money with ease, anywhere, anytime—right from your phone. Here’s why millions are switching to Chime:

No Hidden Fees—Ever

Most traditional banks hit you with fees left and right. Maintenance fees, minimum balance fees, overdraft fees—it adds up quickly. But with Chime, you’ll never pay a monthly fee or a fee for minimum balances. Plus, there’s no foreign transaction fees, so you can travel the world worry-free. Say goodbye to hidden fees and hello to real savings.

Get Paid Up to Two Days Early

Waiting for payday can be stressful, especially when bills are due. Chime makes payday something to look forward to by giving you access to your direct deposit up to two days early. Whether it's your paycheck or government benefits, Chime puts your money in your hands faster so you can pay bills, save, or treat yourself sooner.

Fee-Free Overdrafts

We've all been there—an unexpected purchase puts your account in the negative, and your bank slaps you with an overdraft fee. Chime’s SpotMe feature lets you overdraft up to $200 with no fees. It’s simple, straightforward, and designed to give you peace of mind when you need it most.

A Seamless Digital Experience

Chime isn’t just a bank—it’s an all-in-one financial tool. The user-friendly app lets you easily track your spending, deposit checks, transfer money, and receive instant notifications for transactions. With 24/7 access, your finances are always at your fingertips. Need to find an ATM? Chime has over 60,000 fee-free ATMs in its network, more than most traditional banks.

Save Effortlessly

Chime’s Automatic Savings feature helps you build your savings effortlessly. Every time you use your Chime card, we’ll round up your purchase to the nearest dollar and transfer the difference into your Savings Account. It’s a painless way to grow your savings over time. Plus, you can set up automatic transfers to reach your financial goals even faster.

Security You Can Count On

With FDIC insurance up to $250,000, Chime ensures that your money is safe and secure. Our state-of-the-art security measures protect your account, while features like instant transaction alerts and the ability to instantly block your card provide peace of mind.

Join the Chime Revolution Today

Traditional banks are outdated and expensive, but Chime is the future of banking. With no hidden fees, early paydays, and powerful tools to help you manage your money, it’s no wonder Chime is trusted by millions of people nationwide. Ready to upgrade your banking experience? Follow the link below to download the Chime app and open your account in just minutes—all from your phone.

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Download Chime Mobile App Now, And Earn $100! Terms apply.

[canajunfinances]

Overdraft charges are more than just frustrating fees—they're financial red flags that deserve your attention. This article delivers a candid, humorous look at the emotional toll and personal missteps that often lead to overdrafts. Blending sarcasm with self-awareness, it reflects on the reality of poor timing, shared accounts, and why blaming external forces (like Fidel Castro!) won't help your bank balance. But it’s not all laughs—there’s a lesson too. To avoid future overdraft pain, consider setting up account alerts, maintaining a small buffer in your checking account, and reviewing spending weekly. If your bank allows it, link a savings account or line of credit to reduce or eliminate overdraft fees. Prevention is cheaper—and less humiliating—than paying for financial forgetfulness.#Overdraft 

(via Overdrafts Summed Up Nicely)

[girlactionfigure]

🔘 Mon morning - ISRAEL REALTIME - Connecting to Israel in Realtime

⭕ HEZBOLLAH ROCKETS and SUICIDE DRONES x4 rounds since our last report.

❗️including ROCKETS at Acre (northern city - north of Haifa).

❗️including ROCKETS at Kiryat Biyalik (just north of Haifa - the Krayot).

▪️RESCUED HOSTAGES CONDITION.. nutritional deficiency, emotional and psychological struggles, Stockholm syndrome, harsh treatment - evaluation of medical teams.

▪️ANTI-AIRCRAFT FROM HEZBOLLAH.. yesterday Hezbollah fired Iranian made and provided anti-aircraft missiles (multiple) at an Israel F-15.  The IDF responded by eliminating the anti-air launcher and squad.

▪️FRANCE WARNS LEBANON.. France has informed the government in Lebanon that Israel is preparing to launch a large-scale military operation against Hezbollah, which includes aerial bombing of vital targets throughout Lebanon, and ground entry into the area south of the Litani River.

▪️HAMAS WATCHES ISRAELI POLITICS AND SMILES.. The head of the political department of Hamas abroad, Sami Abu Zahari:  The military and political resignations are endless and prove the collapse of the Israeli political system.

▪️INFILTRATION - SDE EPHRAIM.. two armed terrorists wearing IDF vests infiltrated the Sde Ephraim farm, one lit the mobile home on fire, in which a couple who got married less than a week ago lives. Fortunately the couple was a Sheva Brachot (7 blessings meals with community).  IDF searching.

🔸DEAL NEWS - US SEC STATE BLINKED ARRIVES IN ISRAEL.. will meet with Netanyahu to try to advance the negotiations on the exchange deal before visiting Egypt, Jordan, Saudi Arabia and Qatar.

▪️BODIES.. news rumors state 34 bodies were brought from Gaza for identification, checking if they are hostage bodies.  This has happened many times previously with only a few found.

▪️CONSCRIPTION LAW.. The vote on the Law of Continuity for the Recruitment Law (the transfer of the law from the previous Knesset to this Knesset) is expected to take place tonight. For now, the majority seems to be assured.

▪️PROTESTORS ARRESTED - JERUSALEM.. a small group of “Change Direction” protestors attempted to block the entrance to government buildings.  Police quickly arrested them.

▪️ECONOMY - THE MINUS.. (in Israel people have a “line of credit” on their bank accounts, allowing overdraft but at high interest)  Bank Discount exempted interest on the first NIS 2,000 of “minus” starting 2022, to draw new customers. It didn’t draw customers, Discount canceled the exemption - and now is increasing the rates on ‘minus’ - 12.5% for the first NIS 800.  Bank Leumi similarly increased their ‘minus’ interest rates. (Calcalist)

⭕ ANTI-TANK missiles from Hezbollah at Manor.

⭕ HOUTHIS hit a Swiss container ship in the Red Sea.