#Low Cost Payments

[ordopay]

PropTech sector: unlock faster and safer payment journeys Open Banking - Ordopay

In the rapidly evolving digital landscape, the convergence of technology and real estate has given rise to the PropTech sector. With innovative solutions transforming various aspects of the property market, one area that has seen significant advancements is the payment journey. The integration of Open Banking Payments has revolutionised payment solutions in the PropTech sector, enabling faster, more secure, and efficient transactions.

The integration of Open Banking Payments within the PropTech sector has opened the door to a wave of innovation. Proptech companies are leveraging the capabilities of Open Banking to develop novel payment solutions, further enhancing the customer experience in the property market.

In this blog post, we will explore the impact of Open Banking Payments on the PropTech sector, highlighting how it enhances real-time payments, ensures secure transactions, and promotes financial reconciliation.

Real-time payments: speeding up transactions

Open Banking Payments leverage the power of application programming interfaces (APIs) to enable real-time payments. Traditionally, property transactions involved cumbersome processes and delays, with payments often taking days to settle. However, Open Banking Payments eliminate these hurdles by providing instantaneous transfer of funds between parties involved in a property transaction. This means that buyers can make payments instantly, accelerating the entire transaction process and streamlining the purchase or rental experience.

Moreover, the use of Open Banking Payments facilitates transparency and reduces the risk of fraud. As transactions occur in real-time, both buyers and sellers have complete visibility into the payment journey, ensuring trust and reducing the potential for disputes. This increased transparency, coupled with the speed of transactions, makes Open Banking Payments a game-changer for the PropTech sector.

Real-time payment solutions are also becoming increasingly important in the PropTech sector. With the rise of on-demand services and the increasing use of mobile devices for transactions, consumers are expecting faster payment processing times. Open Banking payments enable real-time payments, which means that payments can be processed and cleared in a matter of seconds. This can help to improve customer satisfaction, as consumers can enjoy a faster, more efficient payment experience.

Secure payments: protecting financial transactions from fraud

Security is of paramount importance when it comes to financial transactions, especially in the real estate industry. Open Banking Payments address this concern by leveraging robust security measures. The integration of Open Banking APIs ensures that payment information is securely transmitted between financial institutions, safeguarding sensitive data such as account numbers and transaction details.

Additionally, Open Banking Payments utilise strong customer authentication protocols, requiring multiple layers of verification to authorise transactions. This significantly reduces the risk of fraudulent activities and enhances the overall security of property payments. With Open Banking Payments, both buyers and sellers can have peace of mind, knowing that their financial transactions are conducted in a secure environment.

Financial reconciliation: simplifying accounting processes

One of the challenges in the property market has been the complex and time-consuming process of financial reconciliation. Property transactions involve various stakeholders, including buyers, sellers, agents, and financial institutions. Reconciling payments across these parties can be a daunting task, often leading to errors and delays.

For more information visit: https://ordopay.com/proptech-unlocks-payment-journeys-with-open-banking/

[dogpantry]

so i woke up anxious about how we will pay for daycare in. 1.5 years. average cost is like $2200/mo for one infant. criminal. and anyway i was like “what if i finally finish a novel and can get an advance on that in a few years and use it exclusively for daycare costs” and the avg advance for a fiction novel for a new author is like $5k. and work was like “no raises this year <3 ily tho”. and like legitimately is anything made to benefit us normal people anymore or

[fuckmeyer]

working title of my next book: Fundamental Techniques in Handling Your Overbearing Vampire Boyfriend

[deathtodickens]

I fell behind on posting Ages Chapter 33 and ended up rewriting the whole thing. The universe used my overfloweth cup of stress to say, “Nah, that ain’t it.” And you know what? The universe was right. Because it’s better now.

[techmarkethunter]

"RUPAY: Transforming India's Payment Landscape with a Homegrown Touch"

Title: Unveiling RUPAY: India’s Homegrown Payment System Introduction: In the dynamic landscape of digital transactions, India has witnessed a significant transformation in its payment ecosystem. Among the various players, RUPAY has emerged as a prominent and homegrown payment system that has been making waves across the country. In this blog post, we’ll explore what RUPAY is, its origin, and…

[mayhaps-magical]

Goddamnit if school keeps going on like this, I'm gonna change career paths. Being a boytoy has got to be easier than this shit.

[breakingjen]

.

[kentuckybats]

(via First-Time HomeBuyer Louisville Kentucky Mortgage Programs)

[vampire-matcha]

Thinking about Mechanics!141 and fem reader with a shitbox car (totally not me). You're in there every three to four weeks with something going wrong with your death trap of a car. The boys aren't sabotaging your car or anything. They don't need to. Your car is just that bad. It's a miracle it hasn't killed you yet. You're trying to save up for a newer car, but your shitbox keeps burning a hole in your wallet with every light blinking on your dashboard. It's to the point that the boys recognize you as soon as you walk into the shop. They hear the bell ring and they just know it's you again.

(Contains: sex as payment, oral sex/blowjob, fingering/masturbation) but of a different style from BitW but enjoy. Not proofread :p

"What is it now?" Price asks, wiping the motor oil from his hands on a greasy rag. You're already looping the key fob off your keychains.

"It's shaking whenever I get above 45."

"What part of the car is shaking?" He asks, pulling up your information on the computer.

"All of it," you say, slapping the key onto the counter with a huff. Price gives you a sympathetic look.

"Darling, you should really get yourself something more reliable," he tells you. You sigh and lean your elbows on the counter. His eyes glance down to your chest and the low-cut shirt you were wearing.

"I'm trying, Price," you say with a little more attitude than you intended. "It's impossible to save money when everything goes back into this fucking car!" You run your hands over your face. "I'm gonna die in that thing," you mutter, only half-joking. Price stops typing for a moment, thinking to himself.

"What if we could work something out?" He asks tentatively. You look up at him to see him already staring you down.

"Like... a loyalty discount?" You try to clarify. Surely he didn't mean...

"I was thinking something more along the lines of... an alternative method of payment." He leans against the counter in front of you, his face close to yours. He smelled like what you'd expect: motor oil and engine grease and musky, manly sweat. "Something under-the-table..." Your heart skipped a beat at the double-meaning of his words, allowing him just enough plausible deniability if you chose to not accept. You swallowed hard.

"What do you have in mind?" You ask softly, your heart pounding in your chest, and with how hard Price was staring at your cleavage, you think maybe he could see it. You reach a hand out to stoke a finger along his arm, feeling the coarse hair all over it. The corner of his mouth quirked up.

"I think I have something in the back office that might work. Follow me and I'll show you."

It wasn't that you were totally desperate. Well, you were. This car had cost you thousands more than it was worth and you needed to save any penny you could when it came to it. But you wouldn't have followed just any mechanic into the rinky-dink office at the back of the auto shop. This was John Price. And he was all man.

"You want that discount, you're gonna have to work for it."

Broad shoulders tapering into a narrower waist, but still lined with the perfect ratio of hearty muscle and soft belly, all leading down to an alluring bulge and plump ass, and finally, those thick, beefy thighs. Not to mention his hands: thick, strong, and calloused from years of hard manual labor, and forearms and biceps that twisted and flexed underneath his button-down work shirt.

He holds the door open for you, his body crowding you into the tight space. The office is more of an oversized closet with a desk and an old computer. He closes the door behind you both and settles himself into the rickety office chair, which creaks under his weight. He sits with his legs spread and his hands on his thighs and gestures for you to come closer.

You kneel between his legs and he smirks, adjusting his hips in the chair while you work open his belt. He lets you open his trousers for him but pushes them down for you so his semi-hard cock can spring free. He sighs when you take it into your hand, stroking him to full hardness.

He isn't much of a moaner, you didn't expect him to be, but his chest puffs as you take the tip into your mouth and suck on it lightly. Your hand moves up and down his shaft slowly, your fingers moving to meet your lips. You lick around the head and push the tip of your tongue into his slit, making his hips jerk lightly.

You close your eyes, letting yourself fully focus on his cock, letting desire and submissiveness take over your mind as you work to please him on your knees. You take him deeper into your mouth, widening your jaw and rocking your mouth side to side to fit him farther down. Your other hand slides up his thick, meaty thigh to massage his balls while you find yourself in a gentle rhythm. You bob your head, going down just far enough, but not enough to gag you, and sucking hard on the way up as your hand holds and twists the base. You melt onto him, the feeling of him in your mouth quieting your mind, leaving any thought of hesitancy far, far behind. All you need is John Price's dick in your mouth, and you think you could reach enlightenment between his thighs.

You barely register the fact that you're moaning around him until he's teasing you for it.

"Yeah? You like this, don't you? Letting me drag you to the back of the shop to suck my cock like the little whore you are." You whimpered at the filthy words he was spitting down at you. "Knew you would- the boys and I- knew you'd like us usin' you like this," he says with a grunt as he watches your eyes roll back. "Go on and touch yourself for me, dear."

You let go of his balls and quickly open your pants to sneak your hand inside. Your pussy is soaked, your fingers gliding through your lips with ease. You moan louder as you circle your clit, the motion sending sparks through your pelvis and thighs.

"There's a good girl. So obedient. I can hear how wet you are for me." He places a hand on your head, not pushing, just guiding your pace up and down his length. You press your tongue to the underside of his cock to add pressure while you touch your clit, the wet nub buzzing with electricity.

"Just like that," he puffs. He holds up his shirt and you see through your fluttering lashes the way his abs constrict with pleasure. "Go on, make yourself cum like that. Think you can do it? You think you can cum with my cock down your throat?" His hips jerk up into your mouth again with more urgency.

Your thighs twitch as your stomach tightens. His vulger words send you over the edge, and your hips stutter against your hand. Your body twitches and thrusts on the floor between his thighs.

"Good girl- good fuckin' girl," he says, his voice deep and strained, and he fists your hair harder and pulls it tight. The rush of euphoria makes you moan around him low and loud, and he cums into your mouth with a grunt. You choke on the salty fluid, swallowing what you can, but some of it slips out of your lips and drips down your chin.

He pulls you off and takes a good look at how ruined you are, your lips swollen, your eyes unable to focus, your hand down your pants, and best of all, his cum decoration your face. He smiles at you and hands you a relatively clean rag to clean your face. Little black streaks preplace white droplets on your skin, and he can't help the fond smile that creeps up on him. He's marked you now in more ways than one.

He untangles his hand from your hair and let's you rest your head on his knee until you catch your breath. You take your hand out of your pants, and he motions for you to raise it up to him, and instead of wiping it with the rag, he leans forward and sucks your wet fingers into his mouth. He holds your eyes and you feel his tongue swiping across the pads of your fingers, until he releases then with a smack of his lips.

"I'll let the boys know about our little arrangement. They'll collect their own payment when you pick it up tomorrow," he says with a wink. He helps you stand up and walks you back to the front, leaving you with one final squeeze to you ass. "Oh, and you might want to wash your hair," he adds as he opens the door to the garage. He hands up a greasy hand. "Got motor oil in it. Sorry."

[sarkos]

Student debt also largely didn’t exist in America before the Reagan Revolution. It was created by Republicans here in the 1980s — intentionally — and if we can overcome Republican opposition, we can intentionally end it here and join the rest of the world in once again benefiting from an educated populace. Forty years on from the Reagan Revolution, student debt has crippled three generations of young Americans: over 44 million people carry the burden, totaling a $2+ trillion drag on our economy that benefits nobody except the banks earning interest on the debt and the politicians they pay off. But that doesn’t begin to describe the damage student debt has done to America since Reagan, in his first year as governor of California, ended free tuition at the University of California and cut state aid to that college system by 20 percent across-the-board. After having destroyed low income Californians’ ability to get a college education in the 1970s, Reagan then took his anti-education program national as president in 1981. When asked why he’d taken a meat-axe to higher education and was pricing college out of the reach of most Americans, he said, much like Ted Cruz might today, that college students were “too liberal” and America “should not subsidize intellectual curiosity.” It was the 1980s version of today’s “war on woke”: Reagan hated college students. On May 1, 1970, Governor Reagan announced that students protesting the Vietnam war across America were “brats,” “freaks” and “cowardly fascists,” adding, as The New York Times noted at the time: “If it takes a bloodbath, let’s get it over with. No more appeasement!” Four days later four were dead at Kent State, having been murdered by National Guard riflemen using live ammunition against anti-war protesters. Before Reagan became president, states paid 65 percent of the costs of colleges, and federal aid covered another 15 or so percent, leaving students to cover the remaining 20 percent with their tuition payments. It’s why when I attended college in the late 1960s — before Reagan — I could pay my tuition working a weekend job as a DJ at a local radio station and washing dishes at Bob’s Big Boy restaurant on Trowbridge Road in East Lansing.

The real reason Republicans oppose efforts to cancel student debt - Raw Story

[batboyblog]

Things Biden and the Democrats did, this week #7

Feb 23-March 1 2024

The White House announced $1.7 Billion in new commitments from local governments, health care systems, charities, business and non-profits as part of the White House Challenge to End Hunger and Build Healthy Communities. The Challenge was launched with 8 billion dollars in 2022 with the goal of ending hunger in America by 2030. The Challenge also seeks to drastically reduce diet-related diseases (like type 2 diabetes). As part of the new commitments 16 city pledged to make plans to end hunger by 2030, the largest insurance company in North Carolina made nutrition coaching and a healthy food delivery program a standard benefit for members, and since the challenge launched the USDA's Summer EBT program has allowed 37 states to feed children over the summer, its expected 21 million low income kids will use the program this summer.

The US House passed a bill on Nuclear energy representing the first update in US nuclear energy policy in decades, it expands the Nuclear Regulatory Commission and reduces reducing licensing fees. Nuclear power represents America's single largest source of clean energy, with almost half of carbon-free electricity coming from it. This bill will boost the industry and make it easier to build new plants

Vice President Harris announced key changes to the Child Care & Development Block Grant (CCDBG) program. The CCDBG supports the families of a million American children every month to help afford child care. The new changes include capping the co-pay families pay to no more than 7% of their income. Studies show that high income families pay 6-8% of their income in childcare while low income families pay 31%. The cap will reduce or eliminate fees for 100,000 families saving them an average of over $200 a month. The changes also strength payments to childcare providers insuring prompt payment.

The House passed a bill making changes to the Small Business Administration’s 8(a) program. The 8(a) is an intensive 9 year program that offers wide ranging training and support to small business owners who are socially and economically disadvantaged, predominantly native owned businesses. Under the current structure once a business reaches over 6.8 million in assets they're kicked off the program, even though the SBA counts anything under $10 million as a small business, many companies try to limit growth to stay on the program. The House also passed a bill to create an Office of Native American Affairs at the SBA, in order to support Native-owned small businesses.

The White House and HUD announced steps to boost the housing supply and lower costs plans include making permanent the Federal Financing Bank Risk Sharing program, the program has created 12,000 affordable housing units since 2021 with $2 billion and plans 38,000 additional units over ten years. As well as support for HUD's HOME program which has spent $4.35 billion since 2021 to build affordable rental homes and make home ownership a reality for Americans. For the first time an administration is making funds available specifically for investments in manufactured housing, $225 million. 20 million Americans live in manufactured housing, the largest form of unsubsidized affordable housing in the country, particularly the rural poor and people in tribal communities.

The Department of Energy announced $336 million in investments in rural and remote communities to lower energy costs and improve reliability. The projects represent communities in 20 states and across 30 Native tribes. 21% of Navajo Nation homes and 35% of Hopi Indian Tribe homes remain unelectrified, one of the projects hopes to bring that number to 0. Another project supports replacing a hydroelectric dam in Alaska replacing all the Chignik Bay Tribal Council's diesel power with clear hydro power. The DoE also announced $18 million for Transformative Energy projects lead by tribal or local governments and $25 million for Tribal clean energy projects, this comes on top of $75 million in Tribal clean energy projects in 2023

Transportation Secretary Pete Buttigieg put forward new rules to ensure airline passengers who use wheelchairs can travel safely and with dignity. Under the planned rules mishandling a wheelchair would be a violation of the ACAA, airlines would be required to immediately notify the passenger of their rights. Airlines would be required to repair or replace the wheelchair at the preferred vendor of the passenger's choice as well as provide a loaner wheelchair that fits the passenger's needs/requirements

The EPA launched a $3 Billion dollar program to help ports become zero-emission. This investment in green tech and zero-emission will help important transportation hubs fight climate change and replace some of the largest concentrations of diesel powered heavy equipment in America.

the EPA announced $1 Billion dollars to help clean up toxic Superfund sites. This is the last of $3.5 billion the Biden administration has invested in cleaning up toxic waste sites known as Superfund sites. This investment will help finish clean up at 85 sites across the country as well as start clean up at 25 new sites. Many Superfund sites are contained and then left not cleaned for years even decades. Thanks to the Biden-Harris team's investment the EPA has been able to do more clean up of Superfund sites in the last 2 years than the 5 years before it. More than 25% of America's black and hispanic population live with-in 5 miles of a Superfund site.

Bonus: Sweden cleared the final major barrier to become NATO's 32nd member. The Swedish Foreign Minster is expected to fly to Washington to deposit the articles of accession at the US State Department. NATO membership for Sweden and its neighbor Finland (joined last year) has been a major foreign policy goal of President Biden in the face of Russian aggressive against Ukraine. Former President Trump has repeatedly attacked NATO and declared he wants to leave the 75 year old Alliance, even going so far as to tell Russia to "do whatever the hell they want" with European NATO allies

[simply-ivanka]

How the Biden-Harris Economy Left Most Americans Behind

A government spending boom fueled inflation that has crushed real average incomes.

By The Editorial Board -- Wall Street Journal

Kamala Harris plans to roll out her economic priorities in a speech on Friday, though leaks to the press say not to expect much different than the last four years. That’s bad news because the Biden-Harris economic record has left most Americans worse off than they were four years ago. The evidence is indisputable.

President Biden claims that he inherited the worst economy since the Great Depression, but this isn’t close to true. The economy in January 2021 was fast recovering from the pandemic as vaccines rolled out and state lockdowns eased. GDP grew 34.8% in the third quarter of 2020, 4.2% in the fourth, and 5.2% in the first quarter of 2021. By the end of that first quarter, real GDP had returned to its pre-pandemic high. All Mr. Biden had to do was let the recovery unfold.

Instead, Democrats in March 2021 used Covid relief as a pretext to pass $1.9 trillion in new spending. This was more than double Barack Obama’s 2009 spending bonanza. State and local governments were the biggest beneficiaries, receiving $350 billion in direct aid, $122 billion for K-12 schools and $30 billion for mass transit. Insolvent union pension funds received a $86 billion rescue.

The rest was mostly transfer payments to individuals, including a five-month extension of enhanced unemployment benefits, a $3,600 fully refundable child tax credit, $1,400 stimulus payments per person, sweetened Affordable Care Act subsidies, an increased earned income tax credit including for folks who didn’t work, housing subsidies and so much more.

The handouts discouraged the unemployed from returning to work and fueled consumer spending, which was already primed to surge owing to pent-up savings from the Covid lockdowns and spending under Donald Trump. By mid-2021, Americans had $2.3 trillion in “excess savings” relative to pre-pandemic levels—equivalent to roughly 12.5% of disposable income.

So much money chasing too few goods fueled inflation, which was supercharged by the Federal Reserve’s accommodative policy. Historically low mortgage rates drove up housing prices. The White House blamed “corporate greed” for inflation that peaked at 9.1% in June 2022, even as the spending party in Washington continued.

In November 2021, Congress passed a $1 trillion bill full of green pork and more money for states. Then came the $280 billion Chips Act and Mr. Biden’s Green New Deal—aka the Inflation Reduction Act—which Goldman Sachs estimates will cost $1.2 trillion over a decade. Such heaps of government spending have distorted private investment.

While investment in new factories has grown, spending on research and development and new equipment has slowed. Overall private fixed investment has grown at roughly half the rate under Mr. Biden as it did under Mr. Trump. Manufacturing output remains lower than before the pandemic.

Magnifying market misallocations, the Administration conditioned subsidies on businesses advancing its priorities such as paying union-level wages and providing child care to workers. It also boosted food stamps, expanded eligibility for ObamaCare subsidies and waved away hundreds of billions of dollars in student debt. The result: $5.8 trillion in deficits during Mr. Biden’s first three years—about twice as much as during Donald Trump’s—and the highest inflation in four decades.

Prices have increased by nearly 20% since January 2021, compared to 7.8% during the Trump Presidency. Inflation-adjusted average weekly earnings are down 3.9% since Mr. Biden entered office, compared to an increase of 2.6% during Mr. Trump’s first three years. (Real wages increased much more in 2020, but partly owing to statistical artifacts.)

Higher interest rates are finally bringing inflation under control, which is allowing real wages to rise again. But the Federal Reserve had to raise rates higher than it otherwise would have to offset the monetary and fiscal gusher. The higher rates have pushed up mortgage costs for new home buyers.

Three years of inflation and higher interest rates are stretching American pocketbooks, especially for lower income workers. Seriously delinquent auto loans and credit cards are higher than any time since the immediate aftermath of the 2008-09 recession.

Ms. Harris boasts that the economy has added nearly 16 million jobs during the Biden Presidency—compared to about 6.4 million during Mr. Trump’s first three years. But most of these “new” jobs are backfilling losses from the pandemic lockdowns. The U.S. has fewer jobs than it was on track to add before the pandemic.

What’s more, all the Biden-Harris spending has yielded little economic bang for the taxpayer buck. Washington has borrowed more than $400,000 for every additional job added under Mr. Biden compared to Mr. Trump’s first three years. Most new jobs are concentrated in government, healthcare and social assistance—60% of new jobs in the last year.

Administrative agencies are also creating uncertainty by blitzing businesses with costly regulations—for instance, expanding overtime pay, restricting independent contractors, setting stricter emissions limits on power plants and factories, micro-managing broadband buildout and requiring CO2 emissions calculations in environmental reviews.

The economy is still expanding, but business investment has slowed. And although the affluent are doing relatively well because of buoyant asset prices, surveys show that most Americans feel financially insecure. Thus another political paradox of the Biden-Harris years: Socioeconomic disparities have increased.

Ms. Harris is promising the same economic policies with a shinier countenance. Don’t expect better results.

[princessbrunette]

getting high with jj in his bed and just giggling while he tries to make you laugh and kisses your face with a goofy smirk

you’re all wired up and bubbly whilst you lie your head on jj’s bicep, laid out next to him on his bed. he always made you feel like this, blazed or not — floaty and cared for, cheeks hurting as they push up, smiling hard. the rooms a little foggy still, the blonde only having put out the joint a few minutes prior. it makes everything feel like a dream.

“no, nope, shush.” he grins, hand connected to the arm you lay on wrapping around to cover your mouth which only makes another laugh bubble from your chest and vibrate against his palm. “if you bring that up, i’ll never shut up. you know how hard it is for me to shutup, as it is.” he laughs, nearly cutting himself off to yelp when you lick his hand. “gremlin.” he adds with faux shock.

“but i wanna know, oh go on jj please. you like when i say please, i know you do, pretty please?” you roll over so you’re right in his face, eyes all glazed over, pink and pretty. his grin drops into a lazy smirk, reeling his head back a little slightly so he can get a better look at you, eyes flickering in a triangle to your right eye, your lips and then your left. how could he say no to anything you ask of him right now?

“alright. yes, i do. god.” he chuckles, licking his lips as he drops a little more onto his back, staring at the ceiling in thought. you watch his side profile. “the first time we met?” he reminds himself, lips twitching into a grin again. “nah man, i can’t tell you that shit.”

“jj, i wanna know. im serious, look at me. very serious.” your high brain locks down into focus, concentrating on looking serious. in reality, you just look adorable — lips a little pouted and eyes squinted. he raised an eyebrow, eyes shifting to look at you and he bites down inside his cheeks to stop from laughing in your face. he knows how sensitive you are when you’re high.

“well, in that case.” his hand cups the back of your neck affectionately. you’re already warm there but you don’t mind. “i’ll tell you but,” he winces dramatically. “s’gonna cost ya, pretty girl.”

“dont have any money in my pockets.” you admit shyly, voice a little slow from the way your brain is swirling and swaying very slowly like an untouched lake.

“and i wouldn’t let you give me money anyway.” he fights up onto his elbow, staring you down. “gotta pay me with a kiss.” he proposes and you smile, dopey and happy — lurching forward to do so.

“th’s easy, jayge.” it comes out muffled against his mouth and he chuckled, rolling you onto your back and attacking your face with kisses. “agh!” you squeal, his lips tickling you when he nips beneath your ear. your heart swells at the low chuckle he lets out, pulling back to run a hand through his messy hair, staring down at you elated.

“i didn’t tell you how many kisses. you wanna know my inner most deepest thoughts, the things that ran through this little noggin the first time i saw you. that’s sensitive information, babe. gotta pay up.” he taps the side of his head in gesture, goofy and loveable as ever. you stare up at him, teeth clamped into your bottom lip as if to repress your smile from stretching across your cheeks and breaking skin, scarring you like the joker.

“thats fair.” you muse, the second you realise you’re just staring silently.

“oh you’re damn right it’s fair.” he plays with you, closing in on you to claim his payment.

[mousedetective]

Homeless Disabled/Mostly Queer Family Needs Help...In The Home Stretch Now!

PAYPAL | AMAZON WISHLIST | KOFI | GOFUNDME

VENMO: @penaltywaltz | CASHAPP: $afteriwake23 | ZELLE: DM me for email address

3/21/24

So things have taken a slight turn for the worse, and while the shelter staff is amazing and our caseworker is doing everything she can for us, we just need to get out of a toxic environment and get into housing as soon as we can. The low-income housing fell through (we don't make enough money for a three-person household, even though we could cover the rent), so tomorrow I'm going through the list I got from the Oceanside housing office and calling everyone. I did talk to a lovely person at a complex in Fallbrook about a place we could afford but she said check every week because there may be an opening if a military family has to leave on short notice.

A friend of mine is going to cover most of the last of the loans for us (around $1500) on the 27th or so so we'll have more money to put toward moving costs if a place opens up. I know I have one $140 loan payment, one $125 loan payment and my mom has a $210 payment we need covered, plus we owe the cable company $163 for equipment we have in storage and can't get to until we get housing.

I'm setting a goal for $1000; anything else will go for apartment application fees and food once my food stamps run out (we get three meals a day but Lena is gone from, like, 6 AM to 9 PM and misses them so I send her to Starbucks with food).

$1000/$1200

[waddei]

FULL ILLUSTRATION COMMISSIONS OPEN

questions about possible pricing, any of the boundaries or if i can draw something that isnt mentioned are more than welcomed, my inbox is open with anon enabled and my dms are open aswell!

you can contact me through tumblr dms or discord to either request a commision or just ask any questions in private!

(discord name is "wadds")

drawings you commission may not be used for merch,nfts or any other comercial means unless some form of compensation is added to the price of the commission. otherwhise theyre meant exclusibly for personal use (EX: phone wallpaper, to print for your own room, icons, fic covers, or character references)

payment through mercado pago would not be done with us dolars and prices would be adjusted to still make sense in that case (en pesos argentinos, pueden esperar un descuento de hasta mas la mitad)

FAQ:

difference between a closeup and a PFP?

a closeup is a zoomed in drawing where any composition, posing or extra elements are present, they can go from half the torso up Generally. while pfps are centered solely on a characters face and have no background beyond simple patterns, elements like "character holding something" could also be present and they dont add to the total

when exactly does the background start costing extra?

rough guidelines are written above in the picture, but I tend to be pretty lenient on them. if you ask for a drawing with a simple background (ie, Not payed) and I later ask if I want to add any details to it they will not add to the cost and you do not need to worry.

how long will this take?

depends on the drawing but it shouldn't take more than a couple of days once I've started working on it, that being said if there are commissioners in from of you in the line it could take longer for me to get to it. but I always try to get every commission done I'm at least one week

why is mercado pago argentina only?

mercado pago doesn't accept international transactions sadly and I am argentinian

can we negotiate the prices?

I consider my prices to be very low to begin with so no. however if you are from a country with a very high dollar price I might CONSIDER it cus I'm nice and all.

what does "obvious fetish content" mean?

it refers to drawings that might not include sex directly but alude directly to an sexual fetish or scenario, ie a girl being restricted by tentacles or someone being gagged and tied while naked. if your fetish is like, feet or smt then it's fine.

what does "predatory pairings" mean?

a pairing where the power imbalance is the main drawn for it. think teacher student relationships, cop / prisoner or similar dinamics. I'm simply not comfortable with it so I won't draw them.

why no background with the clean línes style?

i don't like how my backgrounds look without rendering and don't feel comfortable charging for them in that state

why no profile pic with Ms paint lineless?

the canvas size on those are pretty small and the style doesn't allow much detail, I don't think it'll look too good simply