#Hypothec

[courseyoulovemeyoudontknowme]

Ghostbusters (1984, Ivan Reitman)

10/04/2024

[hypothecation]

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[luxthestrange]

RoR Incorrect quotes#187 Hypothec

Y/n: I think we should get a divorce

Leonidas: what are you doing?

Y/n: just practicing

Leonidas:: why are you already planning your hypothetical divorce?

Y/n: I don't know. I'm getting old, I think I'm having a mid-life crisis

Leonidas: you don't even have a S.O

Y/n: hypothetically divorce me

Leonidas: okay, then I'm hypothetically taking half your assets

Y/n: well, you didn't sign the hypothetical prenup

Y/n, to Geirölul: it's called a prenup, right?

Geirölul: yeah, it's a prenup, and you DID hypothetically sign one

Leonidas: What the fuck Geirölul?

Geirölul: I'm their hypothetical lawyer in this divorce case

Leonidas: well, then, I'm taking the hypothetical kids

Leonidas, to Nikola: right? we can get those, right?

Nikola: yes, we can definitely get the hypothetical kids, don't worry about it

Y/n: who the fuck is this hypothetical fucking idiot? a hella fucking nerd idiot

Nikola: wow, that is a lot of hypothetical insults. I need to keep these on for continuity because I look like the other lawyer

Leonidas: this is MY hypothetical lawyer, and we have been hypothetically sleeping with each other

Y/n: how could you hypothetically do this to me?!

Leonidas: because you hypothetically are an alcoholic!

Y/n: GASP AM NOT THAT'S YOU HENCE THE DIVORCE!?!

Leonidas: I BEEN FRAMING YOU AS THE ALCOHOLIC FOR MONTHS-

[mostlysignssomeportents]

How finfluencers destroyed the housing and lives of thousands of people

For the rest of May, my bestselling solarpunk utopian novel THE LOST CAUSE (2023) is available as a $2.99, DRM-free ebook!

The crash of 2008 imparted many lessons to those of us who were only dimly aware of finance, especially the problems of complexity as a way of disguising fraud and recklessness. That was really the first lesson of 2008: "financial engineering" is mostly a way of obscuring crime behind a screen of technical jargon.

This is a vital principle to keep in mind, because obscenely well-resourced "financial engineers" are on a tireless, perennial search for opportunities to disguise fraud as innovation. As Riley Quinn says, "Any time you hear 'fintech,' substitute 'unlicensed bank'":

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

But there's another important lesson to learn from the 2008 disaster, a lesson that's as old as the South Seas Bubble: "leverage" (that is, debt) is a force multiplier for fraud. Easy credit for financial speculation turns local scams into regional crime waves; it turns regional crime into national crises; it turns national crises into destabilizing global meltdowns.

When financial speculators have easy access to credit, they "lever up" their wagers. A speculator buys your house and uses it for collateral for a loan to buy another house, then they make a bet using that house as collateral and buy a third house, and so on. This is an obviously terrible practice and lenders who extend credit on this basis end up riddling the real economy with rot – a single default in the chain can ripple up and down it and take down a whole neighborhood, town or city. Any time you see this behavior in debt markets, you should batten your hatches for the coming collapse. Unsurprisingly, this is very common in crypto speculation, where it's obscured behind the bland, unpronounceable euphemism of "re-hypothecation":

https://www.coindesk.com/consensus-magazine/2023/05/10/rehypothecation-may-be-common-in-traditional-finance-but-it-will-never-work-with-bitcoin/

Loose credit markets often originate with central banks. The dogma that holds that the only role the government has to play in tuning the economy is in setting interest rates at the Fed means the answer to a cooling economy is cranking down the prime rate, meaning that everyone earns less money on their savings and are therefore incentivized to go and risk their retirement playing at Wall Street's casino.

The "zero interest rate policy" shows what happens when this tactic is carried out for long enough. When the economy is built upon mountains of low-interest debt, when every business, every stick of physical plant, every car and every home is leveraged to the brim and cross-collateralized with one another, central bankers have to keep interest rates low. Raising them, even a little, could trigger waves of defaults and blow up the whole economy.

Holding interest rates at zero – or even flipping them to negative, so that your savings lose value every day you refuse to flush them into the finance casino – results in still more reckless betting, and that results in even more risk, which makes it even harder to put interest rates back up again.

This is a morally and economically complicated phenomenon. On the one hand, when the government provides risk-free bonds to investors (that is, when the Fed rate is over 0%), they're providing "universal basic income for people with money." If you have money, you can park it in T-Bills (Treasury bonds) and the US government will give you more money:

https://realprogressives.org/mmp-blog-34-responses/

On the other hand, while T-Bills exist and are foundational to the borrowing picture for speculators, ZIRP creates free debt for people with money – it allows for ever-greater, ever-deadlier forms of leverage, with ever-worsening consequences for turning off the tap. As 2008 forcibly reminded us, the vast mountains of complex derivatives and other forms of exotic debt only seems like an abstraction. In reality, these exotic financial instruments are directly tethered to real things in the real economy, and when the faery gold disappears, it takes down your home, your job, your community center, your schools, and your whole country's access to cancer medication:

https://www.theguardian.com/world/2012/jun/08/greek-drug-shortage-worsens

Being a billionaire automatically lowers your IQ by 30 points, as you are insulated from the consequences of your follies, lapses, prejudices and superstitions. As @pixelpusher220@dmv.community says, Elon Musk is what Howard Hughes would have turned into if he hadn't been a recluse:

https://mamot.fr/@pixelpusher220@dmv.community/112457199729198644

The same goes for financiers during periods of loose credit. Loose Fed money created an "everything bubble" that saw the prices of every asset explode, from housing to stocks, from wine to baseball cards. When every bet pays off, you win the game by betting on everything:

https://en.wikipedia.org/wiki/Everything_bubble

That meant that the ZIRPocene was an era in which ever-stupider people were given ever-larger sums of money to gamble with. This was the golden age of the "finfluencer" – a Tiktok dolt with a surefire way for you to get rich by making reckless bets that endanger the livelihoods, homes and wellbeing of your neighbors.

Finfluencers are dolts, but they're also dangerous. Writing for The American Prospect, the always-amazing Maureen Tkacik describes how a small clutch of passive-income-brainworm gurus created a financial weapon of mass destruction, buying swathes of apartment buildings and then destroying them, ruining the lives of their tenants, and their investors:

https://prospect.org/infrastructure/housing/2024-05-22-hell-underwater-landlord/

Tcacik's main characters are Matt Picheny, Brent Ritchie and Koteswar “Jay” Gajavelli, who ran a scheme to flip apartment buildings, primarily in Houston, America's fastest growing metro, which also boasts some of America's weakest protections for tenants. These finance bros worked through Gajavelli's company Applesway Investment Group, which levered up his investors' money with massive loans from Arbor Realty Trust, who also originated loans to many other speculators and flippers.

For investors, the scheme was a classic heads-I-win/tails-you-lose: Gajavelli paid himself a percentage of the price of every building he bought, a percentage of monthly rental income, and a percentage of the resale price. This is typical of the "syndicating" sector, which raised $111 billion on this basis:

https://www.wsj.com/articles/a-housing-bust-comes-for-thousands-of-small-time-investors-3934beb3

Gajavelli and co bought up whole swathes of Houston and other cities, apartment blocks both modest and luxurious, including buildings that had already been looted by previous speculators. As interest rates crept up and the payments for the adjustable-rate loans supporting these investments exploded, Gajavell's Applesway and its subsidiary LLCs started to stiff their suppliers. Garbage collection dwindled, then ceased. Water outages became common – first weekly, then daily. Community rooms and pools shuttered. Lawns grew to waist-high gardens of weeds, fouled with mounds of fossil dogshit. Crime ran rampant, including murders. Buildings filled with rats and bedbugs. Ceilings caved in. Toilets backed up. Hallways filled with raw sewage:

https://pluralistic.net/timberridge

Meanwhile, the value of these buildings was plummeting, and not just because of their terrible condition – the whole market was cooling off, in part thanks to those same interest-rate hikes. Because the loans were daisy-chained, problems with a single building threatened every building in the portfolio – and there were problems with a lot more than one building.

This ruination wasn't limited to Gajavelli's holdings. Arbor lent to multiple finfluencer grifters, providing the leverage for every Tiktok dolt to ruin a neighborhood of their choosing. Arbor's founder, the "flamboyant" Ivan Kaufman, is associated with a long list of bizarre pop-culture and financial freak incidents. These have somehow eclipsed his scandals, involving – you guessed it – buying up apartment buildings and turning them into dangerous slums. Two of his buildings in Hyattsville, MD accumulated 2,162 violations in less than three years.

Arbor graduated from owning slums to creating them, lending out money to grifters via a "crowdfunding" platform that rooked retail investors into the scam, taking advantage of Obama-era deregulation of "qualified investor" restrictions to sucker unsophisticated savers into handing over money that was funneled to dolts like Gajavelli. Arbor ran the loosest book in town, originating mortgages that wouldn't pass the (relatively lax) criteria of Fannie Mae and Freddie Mac. This created an ever-enlarging pool of apartments run by dolts, without the benefit of federal insurance. As one short-seller's report on Arbor put it, they were the origin of an epidemic of "Slumlord Millionaires":

https://viceroyresearch.org/wp-content/uploads/2023/11/Arbor-Slumlord-Millionaires-Jan-8-2023.pdf

The private equity grift is hard to understand from the outside, because it appears that a bunch of sober-sided, responsible institutions lose out big when PE firms default on their loans. But the story of the Slumlord Millionaires shows how such a scam could be durable over such long timescales: remember that the "syndicating" sector pays itself giant amounts of money whether it wins or loses. The consider that they finance this with investor capital from "crowdfunding" platforms that rope in naive investors. The owners of these crowdfunding platforms are conduits for the money to make the loans to make the bets – but it's not their money. Quite the contrary: they get a fee on every loan they originate, and a share of the interest payments, but they're not on the hook for loans that default. Heads they win, tails we lose.

In other words, these crooks are intermediaries – they're platforms. When you're on the customer side of the platform, it's easy to think that your misery benefits the sellers on the platform's other side. For example, it's easy to believe that as your Facebook feed becomes enshittified with ads, that advertisers are the beneficiaries of this enshittification.

But the reason you're seeing so many ads in your feed is that Facebook is also ripping off advertisers: charging them more, spending less to police ad-fraud, being sloppier with ad-targeting. If you're not paying for the product, you're the product. But if you are paying for the product? You're still the product:

https://pluralistic.net/2021/01/04/how-to-truth/#adfraud

In the same way: the private equity slumlord who raises your rent, loads up on junk fees, and lets your building disintegrate into a crime-riddled, sewage-tainted, rat-infested literal pile of garbage is absolutely fucking you over. But they're also fucking over their investors. They didn't buy the building with their own money, so they're not on the hook when it's condemned or when there's a forced sale. They got a share of the initial sale price, they get a percentage of your rental payments, so any upside they miss out on from a successful sale is just a little extra they're not getting. If they squeeze you hard enough, they can probably make up the difference.

The fact that this criminal playbook has wormed its way into every corner of the housing market makes it especially urgent and visible. Housing – shelter – is a human right, and no person can thrive without a stable home. The conversion of housing, from human right to speculative asset, has been a catastrophe:

https://pluralistic.net/2021/06/06/the-rents-too-damned-high/

Of course, that's not the only "asset class" that has been enshittified by private equity looters. They love any kind of business that you must patronize. Capitalists hate capitalism, so they love a captive audience, which is why PE took over your local nursing home and murdered your gran:

https://pluralistic.net/2021/02/23/acceptable-losses/#disposable-olds

Homes are the last asset of the middle class, and the grifter class know it, so they're coming for your house. Willie Sutton robbed banks because "that's where the money is" and We Buy Ugly Houses defrauds your parents out of their family home because that's where their money is:

https://pluralistic.net/2023/05/11/ugly-houses-ugly-truth/#homevestor

The plague of housing speculation isn't a US-only phenomenon. We have allies in Spain who are fighting our Wall Street landlords:

https://pluralistic.net/2021/11/24/no-puedo-pagar-no-pagara/#fuckin-aardvarks

Also in Berlin:

https://pluralistic.net/2021/08/16/die-miete-ist-zu-hoch/#assets-v-human-rights

The fight for decent housing is the fight for a decent world. That's why unions have joined the fight for better, de-financialized housing. When a union member spends two hours commuting every day from a black-mold-filled apartment that costs 50% of their paycheck, they suffer just as surely as if their boss cut their wage:

https://pluralistic.net/2023/12/13/i-want-a-roof-over-my-head/#and-bread-on-the-table

The solutions to our housing crises aren't all that complicated – they just run counter to the interests of speculators and the ruling class. Rent control, which neoliberal economists have long dismissed as an impossible, inevitable disaster, actually works very well:

https://pluralistic.net/2023/05/16/mortgages-are-rent-control/#housing-is-a-human-right-not-an-asset

As does public housing:

https://jacobin.com/2023/10/red-vienna-public-affordable-housing-homelessness-matthew-yglesias

There are ways to have a decent home and a decent life without being burdened with debt, and without being a pawn in someone else's highly leveraged casino bet.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/05/22/koteswar-jay-gajavelli/#if-you-ever-go-to-houston

Image: Boy G/Google Maps (modified) https://pluralistic.net/timberridge

[darkfictionjude]

can crowny fist fight imre, just in the hypothetical they just have the urge to brawl. also... would they win? like hypothecally speaking, how high are these chances of them winning? im thinking pretty low.

That depends, because Crowny has gotten into fights at the asylum (retaliation from other inmates who they beat up when they were not entirely conscious)

I think they could last a bit if they fight dirty but Imre would also fight dirty

So normal crowny could possibly win but they would have to get nasty with it. Do things only someone willing to possibly hurt themselves too would be capable of doing

[belit0]

Indra family

Which Ivy out of nowhere started a conversation while eating dinner

"what if we hypothecally divorce?"

Who's going with their mother? Who's going with their father- and Indra gonna even answer that question?

SHIORI, YOU ARE LIKE THE TWINS, ALWAYS CAUSING CHAOS AND TRYING TO KILL INDRA WITH A HEART ATTACK.

Dinner at the Uchiha estate was usually lively.

Between the twins' constant bickering, Raizen’s exasperated sighs, and Ame’s occasional witty remarks, the table was never quiet. Indra tolerated it—just barely—because it was his family.

Tonight, however, was different.

Tonight, Ivy decided to drop a bomb.

Casually. Effortlessly. Between bites of rice.

-What if we hypothetically divorce?

The silence that followed was absolute.

Raizen’s chopsticks froze mid-air.

The twins exchanged delighted, chaotic glances.

Ame? She just blinked, sipping her tea as if nothing was happening.

Indra, however, did not react.

Because surely—surely—he had misheard.

Ivy took another bite, looking at the children with genuine curiosity.

-Who would go with me? Who would go with your father?

The heaviness that filled the room was instant.

Ame was the first to speak.

-I’d go with mommy.

Indra snapped his gaze to her immediately.

Ame, completely unbothered, continued, stirring her soup.

-Mommy braids my hair better.

Indra's eye twitched.

Hikari leaned back with a smirk, arms crossed.

-I’d go with Father.

Inari snorted.

-You just want to stay on his good side so he doesn’t throw you across the training field next time.

-And it’s working.- Hikari grinned.

Raizen, as always, sighed.

-None of you are thinking logically. Father has the estate, the army, the land. It makes sense to align with him.-

Indra’s temple pounded.

Ivy, calm as ever, tilted her head.

-You haven't answered, love. Who do you think would go with me?-

Indra slammed his cup down.

-None of them.- His voice was low, dangerous. -Because that's never happening.-

Ivy feigned thoughtfulness.

-But hypothetically—

-That's. Never. Happening.

The twins snickered. Ame smiled into her tea. Raizen shook his head as if he expected this outcome.

Ivy leaned in, resting her chin on her palm, eyes glinting with mischief.

-So possessive, my husband. What if I decided to leave you?

Indra stood.

-Then I would simply bring you back.

Ivy arched a brow.

-And if I refuse?

Indra’s Sharingan spun.

-Try and find out.

Ame nudged Raizen.

-Dada's scary when mad.-

Raizen sighed.

-He's always terrifying.

Ivy, pleased with herself, smiled as she resumed eating.

Indra sat back down, arms crossed, brooding.

The conversation was over.

Because there was no divorce.

Not in this lifetime.

[kuuttituutti]

If i hypothecically made a pair of mini paddles in school

[courseyoulovemeyoudontknowme]

Alice Through the Looking Glass (2016, James Bobin)

04/03/2025

[cosmickid-inmotion]

struggling so fucking much with this thesis statement for my research paper on queer music history. I can't just like. Recount the history. I want to make a point.

While going through the books, i was kinda surprised to find almost nothing on the folk movement. Pete seeger, woody gunthrie, bob dylan all made little to know statements even as the free love movement took place.

I've come to hypothecize that the class politics of the lavander scare really are why the folk movement of the 60's left queer rights in the dust. I want to talk about how drag (or female/male impersonators as they were in early days), and lesbian and gay activities was seen as upper class, frivolous, a fun trend, while more serious people, working class people, didn't have time for such silliness.

In the lavander scare, there was a lot of gender politics happening and i think thats why the folk movement, a movement very focused on civil rights and workers rights and later, vietnam, hesitated to align with such issues even though they were leftist organizations.

How does this sound for a thesis statement?

"In postwar America, the Lavender Scare’s conflation of queerness with political deviance and class betrayal marginalized queer expression in working-class-aligned genres like folk music, pushing queer innovation into musical spaces seen as decadent or elitist, including pop, disco, and house."

I'm bad at thesis statements ;-; send help

also, if anyone has thoughts on this or wants to argue why this idea is wrong, lmk! I've read a tone of books but nothing can ever get the full story, so if you have something i dont hmu!!!

[lebuc]

bridge

* “Thus far and no more…” at least not as currently constituted;

perhaps we may not be allowed, perhaps we were never meant to breach that which is beyond our current reach;

for we see from here to there, dimly through eyes uniquely owned; and our envisioning is but a hypothesis to the totality of the conclusory reality understood at experiment’s end. *

As hypothecated, raw materials always drive and fuel a process to conclusion, just as anothers’ eyes may just glean a more precious light in a spectrum far beyond our visible one;

in spanning a bridge too far for the likes of us - they say, we must by necessity fall short. * As a poet once said, “the wall-eyed wally of the airwaves…” and so we are - makers of and staring at  the bricks in the wall we built to perdition;

we’re secretaries of the interior of the singularity of sensations we commonly share; both bound to and bounded by present conventions and their attendant wisdom; constrained by the very apparatus which allows us to append our vision in the first place, and to project that which we cannot attain at present. *

But as another great thinker once said, “the map is not the territory…” and so it is not;

projections, however intentioned do not constitute, nor do they create causality beyond their inherent dimensional span;

and though amusing and oft’ enchanting (in a hypothetical ‘thought-experiment’ kind of way) they serve no great, tangible purpose outside of the classroom, so to speak - though they be taught and lectured upon ad nauseum in successive semesters, ad infinitum. *

Our ascension and attainment just may occasion a symbiotic relationship with matter or beings presently beyond our perceptual and physical horizons, thereby bridging the material-temporal gap our present embodiment cannot alone achieve. * Thus far and no more…” as presently postulated - is both a bracing java-jolt to the jugular of our grandiosity,  and a daunting double-dare  to the determination of our species, if the infancy of our relative history is to be any guide;

a dare which certain of you readers will examine, embrace, absorb, exhaust, let expire in anguish at its unattainment, encrust, entomb uneasily… * only to later exhume, unfold & interpret, inform & exhort to future generations, to be extrapolated to the nth of the nth of the nth degree of that which can possibly be cast seeking to span and conquer the bridge - some said was too far…

’cause that’s how we roll. * 7/14 - 8/24 - lebuc - bridge

[artsybug0]

I don't remember if this was Millie but i'm still gonna ask.

Since in the RF au Millie doesn't have lips how does she kiss?

If hypothecally she does kiss someone.

Millie does still have lips haha! 😂

Just just parts of her lips that were removed because of her scarring! But she still has enough to give you a kiss! As long as you don’t mind feeling some teeth and gums/muscle!

Ofc she wouldn’t be the best kisser in the world and will absolutely feel awkward after but I think that’s just a part of her charm ☺️

So she would just kiss you normally!

(RF Millie design still isn’t offical but pretty close!)

[scotianostra]

On September 28th 1864 Charles Murray,, a poet who wrote in the Doric dialect of Scots, was born at Alford, Aberdeenshire.

Though easily the best known and most popular Scots poet of the period from 1910 till the 1960s, Charles Murray’s literary output was modest. Though there was nothing amateur in his approach to his poetry, Murray was not a professional literary man and had to compose in the time he could spare from a busy working life first as prospector and mine manager, then as a senior colonial civil servant, in the newly created Union of South Africa.

In 1969, twenty-eight years after Murray’s death, poems which had not appeared in book form during his lifetime were published as The Last Poems, with Preface and Notes by Alexander Keith.

Finally in 1979, Murray’s friend, the novelist Nan Shepherd, edited Hamewith: the complete poems of Charles Murray. These publications were supported by the Charles Murray Memorial Fund.

Gin I Was God

Gin I was God, sittin' up there abeen,

Weariet nae doot noo a' my darg was deen,

Deaved wi' the harps an' hymns oonendin' ringin',

To some clood-edge I'd daunder furth an', feth,

Look ower an' watch hoo things were gaun aneth.

Syne, gin I saw hoo men I'd made mysel'

Had startit in to pooshan, sheet an' fell,

To reive an' rape, an' fairly mak' a hell

O' my braw birlin' Earth, - a hale week's wark -

I'd cast my coat again, rowe up my sark,

An', or they'd time to lench a second ark.

Tak' back my word an' sen' anither spate,

Droon oot the hale hypothec, dicht the sklate,

Own my mistak', an', aince I'd cleared the brod,

Start a'thing ower again, gin I was God.

Meaning of unusual words:

gin=if

darg was deen=day's work was done

deaved=deafened

oonendin'=unending

feth=faith

syne=soon

pooshan, sheet an' fell=poison, shoot and kill

reive=thieve

birlin'=spinning

rowe up my sark=pull up my shirt

lench=launch

dicht the sklate=wipe the slate clean

brod=brood

[venomoftheshank]

what if... I hypothecally "disband" scythe's cult?

¯\(°_o)/¯

"....hmmm...How could you do that exactly?"

[here-comes-the-snow]

hi icedagger how do I hypothecally survive being hunted by both subspace AND illumina

You don’t! Hope this helps :]

[vhaemystheberserker]

Hello Vhaemys!!! How are you? So... HYPOTHECALLY if when your requests opened I requested a merman bot (yes, Ariel's father) would you do it?

Unfortunately, I've never been all to into the Little Mermaid, so I can't say I would, I'm sorry <3