#Sell Promissory Note | Explore Tumblr posts and blogs

lsc72 · 8 days ago

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Back To Love

In the North it’s always gone be cold shoulders and mean attitudes. That’s where they get it from, being in Chicago for 7 years. But now they back. You can’t be like that here, not in the South. Southern Hospitality speak way more than money ever did. Don’t get it twisted Smoke.

Now when I came to help with this juke everything was clear cut. No highways or byways in case anything happened or changed. I knew Smoke and Stack had that handled.

So when Peter John came up with 50 cent, 30 in dimes and 20 in plantation credits, I ain't know what to do. I wasn't sure how exactly if the twins woulda went for it. It was good for business cuz he'd of kept coming back, but sale wise them credits wasn't shit.

Thankfully Stack took over, but on the other side of the counter Smoke barked harsh as usual, Asking us to talk. When we gathered in the separate room he immediately went off.

"This ain't no house party and we damn sure ain't no charity. We taking cash, U.S. muhfuckin dollars." He roared with the clap of his hand.

"This ain't Chicago Smoke." Annie offered.

"The fuck that mean?" Smoke asked nose flaring. Up north it's icy, cold even, everybody wanting only money and less pleasantries. Down south everybody was kind to one another. Southern hospitality was always known about us. That's how we stay together.

Hell back in Annie's shack he'd said it himself up north was nothing but money and power. For seven years I guess you would get used to it being like that but home, Mississippi, wasn't the same.

"Them niggas worked they ass off for them wooden nickels. This 'sposed to feel like it's for them. Let them come here and enjoy themselves." Stack explained.

Looking at the bigger picture was what'll give them longevity but in Smoke's eyes it only brought them closer to a closing. Thinking about the money.

"They gotta feel wanted if you want this here to work." Annie spoke softly. He knew that just as well as they did.

"When you was selling ass out there in lil rock you let them pay with a damn promissory note?" Smoke countered knowing the scenario was still the same. That shit wouldn't fly!

"Hell nah!" Fuck this nigga thought, Stack started but Annie turned big eyed trying to get him back on topic. "See but I wasn't selling ass in the delta." He smiled easing up again. Again, it’s a different story for the North.

Smoke was irritated. Irritated with how the black community was cheated and costing them money. It wasn't right and it wasn't his problem. His focus was the money.

"I don't know hoodoo and I can't talk slick, but I know business and this is bad for business." His voice striking. He looked from his brother who nodded and shrugged and then to Annie who held a serious stare.

"It's opening night, ‘sides it's only gone be a few of em like this." Stack tried to ease the tension.

Smoke couldn't fight too much it was a joint decision to open up. They was 50/50. So he was gone let it slide tonight. But if it didn't go well the next time wasn't going for that.

A frustrated sigh was released from the tense twin. "I need a cigarette." He growled. Annie exhaled twiddling with her finger glad he wasn't to the point to set it off.

"Coming right up." The slick brother smiled. Finally cracking through that hard exterior and personality.

He'd have some rolled up on the side for his brother to have. Smoke couldn't do it with the tremor in his hands and didn't mind helping providing what'll help take the ease off.

"There you go." He handed over two cigarettes between his fingers. Smoke took both, placed one in his pocket and the other between his lips.

The click of Stack's lighter sounded as the small flame lit between em. Smoke leaned over holding the rolled cigarette to the flame and watched it curl up. The cherry of the tobacco a bright red and orange.

Annie looked between the two boys wondering if all the nonsense was finally finished. Her part was done and those plates wasn't gone sell themselves.

"Alright you two, ima gone back to the fish, if yall ont' need me here." She stated and walked behind Stack as he exited out himself.

She stepped aside to walk between the door and Smoke. He stood big, chest out with smoke flowing from his nostrils.

"Hol on'" his empty hand grabbed my arm and pulled me back to stand in front of him. His head tilted as his eyes squinted at me. He had a possessive hold on my forearm, like he was getting ready to personally scold me next.

"Yeah mon? What you need baby?" I gave him a sweet look. I know he needed a lil more to take the edge off. The chuckle that sat in the back of his throat made a slight appearance when he nodded his head.

His eyes low and dark, almost like stalking his prey. He moved slowly removing the cigarette after his last pull before putting it out against the door and placing it down on a lil table.

His other hand now sat occupied as it held my chin firmly. Analyzing, deciding what he wanted first. Keeping my eyes on him I watched his eyes flicker between my lips and back to my eyes.

I smiled knowing exactly what he wanted. My lips slightly parted waiting for him to say those words. To let me know what he needed right now.

"Give me some of that sweet shit." His voice spoke low. The vibrating tone going straight to my core.

My hands moved first, holding onto his torso, gripping his dress shirt tightly. The heat rose in my throat as I bit my lip holding in the squeal I wanted to release.

When he Finally m lowered his head and lifted my chin to meet him halfway, it was explosive. Giving me everything and then some. He took my bottom lip between his, moving closer in proximity. "Hmm" a soft expression broke free between us.

It was already hot in the juke but I was hotter for another reason. The smack of our lips as we pulled away but it was only for a second. Our lips met again. Tongue taking wager between our teeth as both of ours curled around each other.

The tobacco and vodka mixed freely as our saliva bind together. Spit transferring and sat on both our lips. My mouth opened wider to get more of him, I wanted it deep. It was like a potion as we gripped one another not being able to get enough.

His left hand gripped the back of my head pulling me in deeper and deeper as the other slinked down to hold my ass. I felt like I was melting into him, I wanted so much more.

"Damn Smoke..." I whispered cursing into the air with much fervor as he released me. I needed to catch my breath after that. My lips felt swollen from him sucking them strongly. I felt dizzy and shaky.

There was more than one heartbeat now. And this new one thumped with arousal in my bloomers. I felt the slick feeling dripping out of me and into the seat of em. How could he let me walk back out there after doing that to me.

"Gone handle that business for me." He finally allowed me to leave and go sell the fish to the juke. Getting to the threshold of the door a searing pain on my ass festered. This time the air was withdrawn from me gasping. My head lowered as I hissed from pain and pleasure.

My hands held onto the trim of the door. My feet stood solid in form now. "Pa you gone let me go do what I need for you?" I asked with a slight whine. I couldn't handle anymore teasing right now. The remnants of that sting pounded my entire body. Everything felt so shaky. My body been betraying all upkeep.

"I ain't stopping you Mrs. Moore." He challenged. I looked back over my shoulder to see his jacket removed and one hand sat utop of his bottoms. Almost like a trap he created, testing me.

He knew he had Annie, but still wanted to give her whatever to let it be known she was his forever. He needed her just as bad right now.

The jumping of my chest sprung as I looked at the party on the other side of the door. They all danced, not paying no mind. I wanted him, and i wanted him bad. That fish can wait.

"Come on so daddy can give you this load mama." He said surely. Knowing exactly what he’d caused he sat his hat behind him along with his suit jacket. The chattering of his belt had me gripping the door tighter. Then the whip of him snatching it out the belt loops made me look back again. Then I watched as he unzipped.

I huffed practically drooling as I watched him move. I needed him so bad but I knew there was no mercy when he got pent up frustration like this. My breath couldn't keep up when I turned around to him bringing my arms to my sides.

He didn't give me enough time to close the door before he was pulling the britches down. I rushed towards him after the door slammed and pulled his face to mine.

I hummed with the orchestration of our mouths together. Only time we parted was to breathe, but we found each other quickly again. The twirling of our tongues and the roughness of his beard sending bolts of pleasure into me.

He sucked and held my bottom lip between his lips and walked me back toward the table. My mouth agape as my breath grazed his lips. When my ass hit the table my hands gripped the edge as I pulled my mouth away. Smoke frowned.

The smooth jazz Slim played flowed through the walls. Canceling out the noise from our doing in the back. I felt that third leg against my torso and hummed hungrily. I was always taken back from the size of him. God took time carving him and I was forever thankful.

"Mmm papa, I need it." I whined breathless as he lifted me onto the wooden table. I took my tongue and dragged them up his lips trying to get every flavor he had to offer.

I wrapped myself around him and pulled his briefs down to spring that hot sword free. Taking him into my hand I moaned as he grunted off in my ear.

The hard rod filled my hand, then I rubbed from his hairy base to the tip and circled it slowly. The smooth skin and veins thumped under my palm as he stood ready and waiting.

"Annie, shit" he gasped hissing as I took over the scene. His hands gripped my hips tightly and my tongue lined around his ear. I nibbled from his earlobe down to his neck. I licked from his collarbone to his pulse point as he titled his head exposing the skin more.

"Come on daddy. Give it to me please." I begged into his ear softly. I pulled back to finally look into his eyes and he twitched slightly, my lip pulled between my teeth.

His swift hands moved under my dress and pushed my bloomers to the side. The rough pad of his finger pressed firmly against my clit and I lost all free will. He knew just how to snatch that power back and I let him.

I gasped before releasing staggered breaths as his fingers circled quickly around my clit. "Fuck Smoke!" I leaned back onto my hands to open up my legs more. Allowing him to get all I had to offer.

"Damn that shit wet baby." He spoke and inserted two fingers into my pussy. The stretching sting had me singing to the ceiling, head thrown back. It was so much going on from the pleasure Smoke was giving, to the wet squelching around his fingers, and the feel of his mouth on my neck.

"Daddy you gone make this pussy cream? It's waiting for you!" i needed to feel him inside me now. I was a whimpering mess. The slickness of his hair became scruffy at the nape of his neck. Where I held in my palm.

The fast pull of my hips startled me as I fell back onto my elbows. He pushed my dress up and held my left leg back against my stomach. His dick jumped as he came in contact with her wet center. It clapped against her clit and the noise that sprung from her shook him badly.

Smoke quickly pushed into her. The tight heat was good enough to make him bust right there. Annie jerked, her back arching up as her mouth hung open and moaned loudly. He would never get enough of this.

"Fuck me please!" She cried and pulled him deeper from his shirt in her fist. He craned over her and pulled her other leg over his shoulder as the other was held by his hand.

Finally getting his footing and sense he moved sensually. He exhaled cursing strongly how good it felt. Annie moaned like the air was removed from her lungs then gasped loudly.

The slow stroking drove Annie insane. He was teasing her something awful and this ain't what she needed. She got it slow earlier, now she need it fast and hard.

His head hung low staring as how he moved in her and pulled out slowly. He felt her trembling in his hands. The slow roll of his hips was just perfect. His eyes felt like lasers as he watched.

"Fuck Annie, yo pussy so good. Daddy giving it to you?" He bucked his leg up on a stool beside his feet. He rocked slightly faster. Chuckling as Annie tried to reply but couldn't regain focus.

"Y-yes Papaaa! You makin me feel so good!" Her moans grew an octave feeling him deep inside her. He was stealing her breath away. Barely could breathe but if she were to die like this she wouldn't even be mad. In the woes of passionate love.

He didn't give a fuck what was happening outside that door. Only fuck he was giving was to his woman and he ain't care how long it was gone take. He was gone show her how lucky he was to have her. She deserved it. After how he ain't seen her in 7 years, he hated himself for it being that long. But he needed her to feel just how sorry he was. He'd do everything to make it up to her.

His hands held the back of her thighs possessively and he pulled out. Annie gave protesting whimpers before she felt him bend down and his mouth latched onto her clit. Her eyes rolled to the back of her head as she laid back on the table. She didn’t have the strength anymore.

"Oh my God Smoke. What you doing to me?" She moaned and trembled. The intensity bloomed into her and she cried out. Her body twitching and jerking with every pass of his tongue. She exhaled and threw her head back biting her lip as a moan sang from her throat. Mouth forming the letter ‘O’.

She hummed deeply as he spit adding more wetness and pushed back into her harder. She would be nomore. She felt out of her mind. When he thrust faster she put one hand to the wall behind her just so her head wouldn't be bumping against it.

Smoke felt it. The flutter of her walls. Fuck he knew she was on the brink and he'd be a fool if he wasn't behind her.

"Look at me Annie." He commanded. Quickly I brought my eyes to see him staring straight into me.

His lip was tight between his teeth as he tried to hold on longer. He wasn't done just yet.

"Tell daddy what you want baby." The low frequency of his tone rumbled from his throat. He switched thrusting from fast to slow then fast again. Annie couldn't catch a grip. Fuck he was ruining her. All that anger she held before was long gone. After this she'd want to be at his becking call. He deserved it

"I want cum all on that dick pa!" Heavy breathing came from her. Her left hand sat on his stomach. It was too much. She didn't want it to end.

"Nah don't run from it. Take that shit mama." He ordered and pulled me by my hips lower. My hips now hanging off the table which gave me no leverage.

"Fuck baby! I need it so bad. Give it to me, please." I sat up and shifted to hold around his shoulder as my other hand held me up from the table. I felt myself teetering on the edge. I needed his big strong body to hold onto.

My thighs gripped his torso tight between them. That teetering special was coming up. It was tingling so good. I knew I would be a mess when it hit.

"You gone let papa give you that seed? You gone have my baby?" He asked and I shook my head vigorously. That was all I wanted with him. After losing the first and then him after I couldn't bare life without him. Without our family. I wanted it so much.

"Yes daddy I-i wanna have yo baby again. Fuck!" I practically rose onto him, clinging tightly. My arms wrapped around his neck and he held my ass and drive my hips up and down.

"Cum on daddy, baby. I'm right behind you." And that I did. My nails clawing into his back through his shirt. I bore down, stomach balled and I heard liquid rushing at his feet. I was squealing into his shoulder.

The piano outside could only cancel out so much. They'd definitely get the idea of our activities had I not covered my mouth.

"Shit you squirting baby, fuck I'm cumming!" He grunted giving long and deep strokes. Each one slow from base to tip as he stuffed me.

Finally he held my legs stagnant as we both tried to catch our breath. My eyesight slowly going back to normal. They were closed shut or rolling in the back of my head this whole time.

"Damn that was good." He huffed. He turned his neck to see my head still resting against his shoulder. So he walked back to the table and sat me down before rubbing my thighs.

"My goodness Smoke, the hell was that?" I leaned back and hissed from him pulling out of me. I surely missed him already and we wasn't even two steps away from each other.

"That was seven years worth of sorry. I ain't mean to stay away all them years. You my everything and I'm not going anywhere ever again. I gotchu. You forgive me?" He'd pull my chin to look at him. Holding eye contact precisely to see if I had any doubt in my eyes.

This was far from doubt. The tears stung as I felt a cry surging up my chest. God I hoped he knew how much I loved him. My man, my husband, Elijah.

"Yes I do Elijah. I love you so much." I hugged him tightly to distract the tears from falling down my face. His lips went to the side of my head in a kiss before he helped me off the table.

"I love you too, let's get back to this party." He'd straightened up and took my hand as we flowed into the crowd of people.

Lordyyyyy! Yall this was sprung off my head after watching the movie for the 6th time. I’m so obsessed. Apologies for any errors. It’s so hard to write for them because I just want it to be perfect. Please let me know how you all like this! 🫶🏽💕

#smoke x annie #wunmi mosaku #annie x elijah #smoke x annie fics #annie and smoke #annie x smoke #michael b jordan

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probablyasocialecologist · 5 months ago

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In the story of "Peter Pan," the fairy Tinkerbell only exists if people believe in her and clap for her. Once we stop believing in her magic, she starts fading away. It’s at this point she implores Peter Pan — and the broader audience — to clap as loud as they can. Tinkerbell is sustained by our attention. A new piece of emerging tech can be a lot like Tinkerbell. When it's still trying to shift from speculative ideas based on buggy demos to real material things that are normal parts of our daily lives and business practices, its existence depends on our belief in the magic of possibility. At this point, they still only exist when we believe hard enough and clap loud enough. If we stop believing and clapping, then they can start fading away, becoming more intangible by the moment until they disappear — remember 3D televisions? Just like with Tinkerbell, audience participation is necessary. That faith in the eventual power of progress can buy time for emerging tech like AI and blockchain — which can feel more like impressive parlor tricks desperately searching for useful purposes and business models — to establish more concrete anchors in reality. Their transparency level can be set at 50 percent for a long time if there are enough people in the audience believing and clapping for them.

[...]

AI depends on vital support from people hard at work in the futurism factory. These are the executives, consultants, journalists, and other thought leaders whose job is the selling of things to come. They craft visions of a specific future — such as ones where AI models built by companies like OpenAI or Microsoft are undeniable forces of progress — and they build expectations in the public about the inevitable capabilities and irresistible outcomes of these tech products. By flooding the zone with an endless stream of new partnerships, new products, new promises, the tech industry makes us feel disoriented and overwhelmed by a future rushing at us faster than we can handle. The desire to not be left behind — or taken advantage of — is a powerful motivator that keeps us engaged in the AI sales pitch. The breathless hype surrounding AI is more than just a side-effect of over-eager entrepreneurs; it’s a load-bearing column for the tech sector. If people believe hard enough in the future manufactured by Silicon Valley, then they start acting like it already exists before it happens. Thus the impacts of technologies like AI become a self-fulfilling prophecy. We should think of AI futurism as a sophisticated form of check kiting — cashing a check today and hoping the money will be in the account later. In other words, the business of expectations is based on producing scenarios about what might happen in the future and using them to extract speculative value in the present. It’s our belief that these promissory notes are worth anything that allows the tech industry to keep floating until the big payday finally hits.

11 January 2025

#ai #artificial intelligence #silicon valley

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lostlegendaerie · 2 years ago

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Fuck it! US Private Student Loans Guide!

DISCLAIMER: while I have worked in private loans specifically for five+ years, this isn't ‘financial’ advice and is just a heavily summarized guide on how to navigate them. Yes, these loans suck, but complain to your legislators not me. I’m just trying to help you know what you’re doing. Additional info for each section is under the cut!

1) Who are you and who are all the companies constantly running around with my money?

I work in loan SERVICING, which is basically the billing department. If you’ve got a new company asking you for money, it's probably a new servicer and your debt is still owned by the bank. We enforce the terms in the promissory note, the document you sign telling the bank “yeah I'll play by your rules if you give me the money.” If your loan defaults, you’ll get contacted by a third (fourth?) party, but how that works is beyond my wheelhouse. The bank or your servicer should be able to confirm what happens in case of default.

2) What am I looking for in a ‘good’ loan?

Generally, you’re going to want SIMPLE instead of compound interest, a FIXED RATE opposed to a variable one, and you’ll want to go for FULL DEFERMENT while in school and make manual payments when you can. Also ask up front about stuff like if disability forgiveness or co-signer release (getting your parents off it) is offered.

3) This loan sucks! How do I make it better?

Student loans are NOTORIOUSLY hard to get out of, unfortunately. If the interest rate/payment relief options suck, you can try to REFINANCE where you take out a new loan to pay off the old one. This gives you a new promissory note, interest rate, and terms/conditions. If you’re trying to erase the debt entirely, ask for the promissory note (if they can't provide a copy, we have to forgive the debt. I've only seen this happen ONCE.) or try to go through social security disability.

DO NOT USE FREEDOM DEBT RELIEF OR OTHER SERVICES. DO NOT. THEY ARE SCAMS.

More in depth information for each point!

1) Lenders and Servicers

The lender is the person who provides the funds in the debt - the bank who pays the school or the hospital or the home contractor fixing your sink. The servicer is the company that is your point of contact when you need to make payments, ask for payment relief, or otherwise manage the loan that exists. Think of us as the mechanic (we keep the car running) where the bank is the manufacturer (they make the car). Some different servicers are SoFi, Zuntafi, Great Lakes, Nelnet and Firstmark Services; their names will be on the billing statements. Some different banks are Citizens, US Bank, NorthStar; their names will be on the promissory note and the disclosures.

Sometimes banks do sell the debt, however! A couple years ago Wells Fargo sold an enormous chunk of their loans off somewhere (an investment group, maybe?) but! The promissory note will still be the EXACT same if your debt gets sold. You’ll only get a new promissory note if you refinance the loan yourself.

2a) Interest Accrual and Rates

Interest is how banks profit off the loans they give out and/or ‘ensure they don't end up with a loss if the loan defaults’. (It's profit.) Most, but not all, loans calculate interest with the simple daily interest formula, shown below:

[(Current loan balance) x (interest rate)] divided by 365

If your loan’s balance is $10,000 and your interest rate is 6% you’ll be charged $1.64 each day. SIMPLE INTEREST means that this interest just kind of floats around on the account until a payment comes in and pays it off, where COMPOUND adds that interest to the balance at the end of the month/day/whatever. Compound charges you more over the life of the loan.

FIXED INTEREST is a set percent that doesn't change, where VARIABLE will change usually based on whatever the economy is doing. There’s a minimum and maximum value to the variable interest rates, so if you’re doing a variable ASK WHAT THE MINS AND MAXES ARE. A fixed rate might be 8% and a variable might be 3.25% the day you take it out, but that variable could have a maximum interest rate of 25% so be VERY, VERY CAREFUL. If you get stuck in a real bad variable interest rate, your best solution is probably a refinance.

2b) Deferment and Payment Allocation

So interest is gonna be accruing on your loan from the day the money leaves the bank. Sucks. And you may not be able to make payments while you're in school, so opting to DEFER your payments will stop them from billing you so you can skip a month or whatever without penalty. At the END of that deferment, though, whatever interest that accrued will be added to your current balance. If we use the example from above (10k loan with 1.64 daily interest) four years of school will add $2,400 to your balance and then your daily interest will jump up to $2.03 a day.

Solution? Make payments of what you can while you’re in school to chip away at that floating interest. Usually when you make a payment, it’s gonna go towards the interest first and then the rest drops the balance. (E.g. if you make a $20.00 payment ten days after your loan is disbursed, $16.40 will go towards interest and $3.60 towards your 10k balance). There is NO PENALTY for making extra payments or making early payments, but it might make your bills look a little weird if you’re being billed each month for just the interest.

3) Why are these loans so horrible? Can’t I find anything to help me?

Blame Reagan and the republicans who enabled him.

No, but really. The problem with these loans is that those promissory notes are VERY legally binding and have lots of fine print in there designed to make it as hard as possible for someone to skimp out on their debt without having their credit score decimated. Some lenders might even dip into your paychecks if you're crazy behind or default; again, that's not my wheelhouse and I've only maybe seen that once. Your best bet is just to pay it off as fast as possible (again, no penalty for paying the loan off early) or refinance into better terms.

And I get it. I really do. I hate how we’ve made so many incredibly important things in our society locked behind a paywall that charges poor people more to climb than the rich. But if you’ve made it this far, please don't turn your anger at me for not giving you the answers you want. The best I can do is vote for people who are willing to crack down on predatory lending, keep fighting for student loan forgiveness… and at my own job, make sure that my coworkers aren't making mistakes.

If you have a more specific question, I can try to answer as best I can without breaking any information privacy laws. And take care, okay? You are never fighting alone.

#private loans #student loans #school loans #loan forgiveness #long post #credit score #credit services #debt relief #debt consolidation #I spent like two weeks off and on with this PLEASE REBLOG but also PLEASE BE NICE

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xylophonetangerine · 1 year ago

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My new Silicon Valley fintech startup ($3bn in VC funding secured to date) allows you to sell your soul to The Devil and then lease parts of the promissory note to other customers to generate passive income (estimated 12% ROI annually).

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tobiasdrake · 2 years ago

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Time for Roque's big announcement, I guess.

Yeah. See. When guys like Roque say they want to change how business is conducted, it's never in a good way. It's never "I'm going to revolutionize the world by paying workers fairly" or "I'm going to revolutionize the world by shortening work hours."

It's always, "I've come up with a bold new method to squeeze blood from the stones that are the working class."

Go on, Roque. What fresh hell is this?

We haven't seen Roque in a while so it's good for him to take a moment to remind us what the stakes of this conflict are.

When men like Roque talk about revolutionizing industry, this is always what they mean. They have a fundamentally different comprehension of what the economy even is. To the rich, the economy means "How much money I have in my bank account." To everyone else, it's "Whether or not a majority of people can live comfortably."

And here it comes. Gonna beat the shit out of this rich asshole. Then I'm going to do my dance to entertain the crowd of reporters before presenting them with Partitio's Neo Steam Engine.

Five minutes after we left with the promissory note, Alrond was like, "Wait, a corrupt entrepreneur offered to sell his entire business model to Partitio for an absurd amount of money? Oh, shit, that was probably a prank. I should just go in person and smooth things over."

Oh hey, welcome back from your inexplicable death scene! You're about to get a spectacle, so this was a good time to return to life.

He keeps saying shit like this. Roque simply cannot fathom the idea that Partitio and now Alrond is engaging in their business agreement in good faith.

Cheaters and swindlers look at the world and see a crowd of cheaters and swindlers. They justify screwing people by assuring themselves that everyone's out to screw people. Everyone's a liar, everyone's fake, everyone's manipulating, everyone's just sticking it to everyone else to try and get ahead; And all they're guilty of is winning at it.

He's trying to find the con, and in the process trying to create plausible reasons to con his way out of the agreement himself. Grasping for any reason to invalidate the deal, but finding nothing to grasp. Partitio played too fair, and Alrond made sure to cover any potential cracks. ^_^

#octopath traveler 2 #octopath 2 blind play #partitio yellowil

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sublimeobservationarcade · 18 hours ago

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Ecumenical Economics: The Sanctity Of Money

If you ever had any doubts about money and economics being the new religions of the age the current Trump trade war ramifications in the bond market will put them to rest. Ecumenical economics: The sanctity of money. The hushed talk about the 10 year bond market interest rate rises, as the final word on Trump’s unsoundness is akin to the modern word of God. US debt is funded via these promissory notes for trillions of dollars and thus, we are talking serious money folks. In the high church of the global economy it does not get any nearer to the foundations of the entire deck of cards upon which the game of life in the commercial sense is spun. “The bond market is a financial market where governments, companies and investors can issue, buy and sell debt in the form of — you guessed it — bonds. For governments, selling a new bond raises the funds needed to finance public spending, while a business might use the proceeds for corporate operations or an acquisition. In return, bonds provide investors with periodic interest payments, usually at a fixed interest rate, and guarantee the repayment of the principal at maturity.” - (https://financialpost.com/investing/what-bond-market-why-everybody-worried)

SpaceX Demo-2 Preflight (NHQ202005270020) by NASA HQ PHOTO is licensed under CC-BY-NC-ND 2.0

More Money Means Everything In America

The moral unfitness of Donald Trump and his administration is neither here nor there for these final arbiters of the game of life. It all comes down to money. In the ultimate power stakes, you can cause the death and suffering of millions if there is a buck in it for investors. We have seen the United States become one of the wealthiest and inequitable nations on earth, when it comes to the wealth divide between the top 1% and the massively growing poor majority of US citizens. This acceleration has occurred via the neoliberal narrative sung loudly, since Ronald Reagan’s presidency, and continues to double the super wealth of billionaires every few years. The Trump administration is packed with billionaires overseeing the super sizing of their own investments in a frenzy of corruption and kleptocracy. The Economics Of Grievance Politics & Trump What was the old Christian religious cult? It was a promise of a better time of it in the afterlife, especially for millions of poorer folk. The allure of this has faded in more materialistic times. Show me the money! There is a greater demand for things in the here and now by the general public. However, despite this, they are still getting screwed by the oligarchs amassing tens and hundreds of billions like Elon Musk, Donald Trump and their ilk. The trickle down effect has failed to materialise, somewhat like the earlier promise of ever lasting life by the churches. Human beings are gullible folk at heart. Ecumenical economics: The sanctity of money has replaced the older beliefs. Many Americans voted for Trump because they believed it would bring them more money. They bought the lies about Liberalism costing them money. That the pie was too small to share with too many people.

The Worship Of Excessive Wealth Too many Americans covet excessive wealth. They see this parade of extreme luxury as the promised land. It is a pity that they are so bad at math. If one man has $200 billion then it means that there are millions of folk not getting their share. In the last couple of decades the number of billionaires has grown from 80 to 660 in the US. There is no trickle down effect folks. That is a bald faced lie. These fat cats are taking the modest wealth from tens of millions of Americans and leaving them poor. If you celebrate the lifestyles of these takers, these robber barons, you are supporting inequality on steroids. The only power you will ever have is to band together with your sisters and brothers to protest against the betrayal of the American people by the wealthy elite and their politicians. Stop sucking up to people like Trump. “I have been writing a fair bit about the aftermath of neoliberalism and its effects on governments and modern politicians. Click bait celebrity politics. The fact that now, more than ever, our politicians are basically just ‘talking heads.’ Familiar faces captured by the media’s cameras espousing sound grabs about popular issues. If you want to see how far this evolution has progressed take a look at President Donald Trump’s cabinet in America. Many of these prominent political figures are former TV and social media celebrities. This is the future made present in all its crassness. This is the long standing trend of style over substance carried to the nth degree. It is a very American thing.” - (https://www.housetherapy.com.au/click-bait-celebrity-politics/) Robert Sudha Hamilton is the author of The Stoic Golfer and America Matters: Pre-apocalyptic Posts & Essays in the Shadow of Trump. ©HouseTherapy

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#America #billionaires #bondmarket #economy #ElonMusk #excessiveriches #materialism #morality #oligarchs #Trump #USA #wealthdivide

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capitalmortgagenotesblog · 5 months ago

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Sell Promissory Note and Land Contract Buyer: A Comprehensive Guide

If you’re looking to sell a land contract, it’s important to understand the role of a land contract buyer. A land contract buyer is a professional or company that specializes in purchasing land contracts. Much like promissory note buyers, they evaluate the terms of the land contract, including the buyer's payment history, interest rate, and remaining balance.

#land contract buyer #Sell Promissory Note

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firstshieldfinancial25 · 3 months ago

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Mortgage Note Investing: A Modern Approach to Real Estate Wealth Building

When it comes to real estate investing, most people think of buying physical properties, managing tenants, and dealing with maintenance issues. However, an alternative approach—mortgage note investing—offers a smarter and more passive way to earn high returns without the responsibilities of property ownership. Let’s explore why mortgage note investing is gaining traction and how it compares to traditional real estate investments.

What is Mortgage Note Investing?

Mortgage note investing involves purchasing the debt secured by real estate rather than the property itself. When homeowners take out a mortgage, their lender holds a promissory note—a legal document detailing the loan terms. Investors can buy these notes, essentially becoming the lender and collecting monthly payments with interest.

Mortgage note investing can be classified into two types:

Performing Notes – The borrower makes consistent payments, providing steady income to the investor.

Non-Performing Notes – The borrower has defaulted on payments, allowing investors to negotiate loan modifications, foreclosures, or property acquisitions at a discount.

Advantages Over Traditional Real Estate Investing

1. Passive Income Without Property Management

Unlike rental properties, mortgage notes eliminate the need for landlords to manage tenants, handle repairs, or deal with vacancies. Investors receive monthly payments just like a bank, making it a hands-free investment strategy.

2. Lower Capital Requirements

Traditional real estate investments often require large upfront capital for property purchases, renovations, and maintenance. Mortgage note investing, on the other hand, allows investors to enter the market with less capital while still securing high returns.

3. Reduced Market Volatility Risks

Property values fluctuate based on economic conditions, but mortgage notes are secured by the underlying real estate, providing stability even in uncertain markets. Investors receive payments as long as the borrower continues to pay, making it a less volatile investment.

4. Multiple Exit Strategies

With traditional real estate, selling a property can be time-consuming and dependent on market conditions. Mortgage note investors have flexible exit strategies, including selling the note to another investor, modifying loan terms, or foreclosing on the property to recover their investment.

5. Potential for Higher Returns

Mortgage notes can offer attractive returns, often exceeding the rental yields from traditional real estate. Investors can buy notes at a discount and collect interest, leading to double-digit annual returns in some cases.

Key Considerations Before Investing

While mortgage note investing has many benefits, it’s essential to conduct due diligence before purchasing notes. Investors should evaluate the borrower’s creditworthiness, the property’s value, and the terms of the note to ensure a profitable investment. Working with reputable note sellers and legal professionals can also mitigate risks.

Conclusion

Mortgage note investing presents a compelling alternative to traditional real estate investing, offering passive income, lower risks, and higher potential returns without the hassles of property ownership. As more investors seek smarter and more efficient ways to grow their wealth, mortgage notes are emerging as a viable and lucrative option in the real estate market.

For those looking to diversify their investment portfolio with a hands-off approach, mortgage note investing could be the key to long-term financial success.

#real estate investing #Mortgage note investing #Mortgage note #real estate market #investment portfolio

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ian-t-sebas · 4 months ago

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Earth is the place where all humans call home, it is a politically divided world, categorised by geographical locations claimed by resident majorities; ethnicities (the biological makeup of people), popularised by the dominance of skin colour and subcategorised as race. It is a forum of contrasting practices and beliefs which often strengthen divisions and competitions among the human inhabitants.

Despite being naturally self-sufficient with more than enough to sustain all lives, a notion of hierarchy has made tranquil existence into a struggled aspiration for all.

Virtual lines of varied shapes and fragments coined as Continents (land masses containing more dividing virtual lines, called ‘countries’ and marked by flags), emphasises claim of territorial ownerships of land, sea and air spaces, a unified decision that made parts of the world naturally richer than others, which in turn, sparked greed, jealousy, dislike and hatred among the human population.

In attempt to level the playing field, a concept of economic trade was introduced and agreed upon, but was short-lived due superiority complex disorder (a state where one race believes that they should be considered as higher ranking humans than others). This triggered the introduction of money, a written IOU note with a promissory value for exchange of anything which is deemed and or agreed upon as an equal value.

The introduction of money was designed to win trust and steal goods; in other words, money or the value of it has been virtual and imaginary from the first day it was introduced as a concept for trade. It was created by the ‘not-haves’ (people who claimed barren parts of the world as their home) to steal from the ‘haves’ (people who claimed the more fruitful parts of the world).

This realisation sparked ideas of creating modern cities in countries (unnatural environments, where money would adapt a worth) and apply a new definition to wealth. Wealth was to be redefined and measured not by the natural gifts of the world, but by modern societies or people possessing the most IOU notes; a slow-burn idea, which up to today have failed terribly and acknowledged by the idealists, who then cunningly created other agreements to plant their flags in the territories of the ‘haves’ for the sake of sustaining their lives, which relies highly on the ‘haves’ part of the world, and also to not appear as idiots with fruitless land masses.

I say slow-burn because if there’s ever an intelligent thief, the idea is one of brilliance, but it requires a timed graduation. Someone one once said, “you can fool some people sometimes, but you can’t fool all the people, all the time”; therefore, it is hard to sell nothing to people who know that you are selling nothing. In this this case, patience was required to fool all the people at the same time.

And as the generation changes and new people arrives, the false concept and definitions are strengthened by beliefs, making those who naturally have, crave the virtual wealth (nothing) of the ‘not haves’ and believing that they, the haves, are the unfortunate ones.

A ludicrous interference, shuffle and distribution of what was initially given to all human beings, equally, as theirs to sustain their temporary lives in a world that does not belong to them.

#education #history #earth

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irishfederalreconnaissance · 5 months ago

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Summary of 1948 Israeli Currency

Shekel Variations:

The Banking Note: A promissory note of Britain, guaranteeing the loyalty of any Rom without a gold note of their own; with tungsten and iron as a bead, an ingot, impossible to command Rom, however refusing commands if worn by Rom per thread attached.

The Dinar: The Saud currency used for standard discourse and traded currency of the Middle East, for allies out of Ba'athist Iraq and prior, the Shah, the corrupt feudal dynasty of sales of consumer driven points of beverage or food.

The Circumspect: The calculation of a circle, with volume contained through wage's radius of dual, the half of a diameter of estimated job contained, as the payment to the worker contract per circumference of volume divided; the Rabbinical calculating, paid upon the line of the circle, alongside the diameter projected as the number of Rabbinicals to hire in ratio percentage to the outside of the circle.

The Yahtz: The phantom pair of children, from Albert "The Boston Strangler" de Salvo, the model for Gotti's systems of non-necessary labor as compulsory through halls of teacher's logic of anti-Semite, the special education lobby. Half for the paid customer, per price purchased, therefore the Israeli state, as having taken a pair of the good and charged per one, with two existent in surplus; hence, any children's family of broker, the consumer, is without own sale good and has two children non-calculated out of four through halves, the selling party, Israel. Any purchase in international commerce, defrauded, with chain pyramid scheme to support children non-present as infantry paychecks to slave mercenaries from semen.

The Fuel Credit: The regulated token of oil, coal, or fission, removed from markets through calculation of so-called "green" energy; farm combines, wind turbine payments to conceal lack of power produced, or solar power to heat water secondary to convection of compression, the water heaters working on their own without the building fee of the solar power.

The Goyim: The sales in slave labor, per project annotated, through therapy and print system of Confederacy American; the claim of price fixing, as retaliation for a rude gesture, instead of the obselete nature of business outside a corporate model with bankruptcy and OSHA laws provided per worker; with guaranteed paycheque, inside state's investigation and registered vote, per refusal of rehabilitation of calculating fee for and per pro diem to contrary form of police raid on witnessed liability as wire fraud under federal charge of worker's mill.

#4chan #cia #hard candy

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houstonownerfinancing · 6 months ago

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Creative Financing: Houston Seller Financing Deals for Savvy Investors

Are you interested in Houston Seller Financing Deals but need help figuring out where to start? You’ve come to the right place. Whether you’re an investor looking to expand your portfolio or a prospective homeowner seeking an alternative to traditional financing, the right seller financing deals might be your solution.

This guide will provide a comprehensive overview of financing deals in Houston, how they work, and the benefits they offer buyers and sellers.

What are Houston Seller Financing Deals?

Houston Seller Financing Deals, also known as owner financing, is a unique way of acquiring a property where the seller extends credit to the buyer instead of obtaining a traditional bank mortgage. The buyer agrees to pay the seller in installments over a specified period, essentially making the seller the lender. This arrangement allows buyers who might not qualify for a traditional mortgage to achieve homeownership still. It’s a mutually beneficial agreement that can provide a quicker, more streamlined transaction process.

How Does Seller Financing Work?

Seller financing might seem complicated, but it’s relatively straightforward. Once a buyer and seller agree on the terms of the sale, they sign a promissory note stating the interest rate, repayment schedule, and consequences of default. The buyer then makes regular payments to the seller, similar to a traditional mortgage. The seller holds the title to the property until the loan is fully paid off. At that point, the title is transferred to the buyer, and they become the official owner of the property. This process ensures that both parties are protected and agree on the terms and conditions of the deal.

Benefits for the Buyer

No Traditional Credit Check: Since the seller provides the financing, the buyer may not need a rigorous credit check as they would with a traditional lender. This makes seller financing an excellent option for buyers with credit issues or those who are self-employed and may not qualify for a traditional loan. It allows people who might otherwise be left out of the housing market to achieve homeownership.

Faster Closing Process: Without bank approval, the closing process is usually quicker with seller financing than with a conventional loan. The buyer doesn’t have to wait for a mortgage application to be reviewed and approved, which can take several weeks. This speed is particularly beneficial for investors looking to secure a property quickly.

Flexibility: The buyer and seller have more flexibility to negotiate terms, including interest rates, down payment, and loan length. This can be advantageous for the buyer, especially if they have a unique financial situation. The terms can be customized to fit the buyer’s needs and capabilities.

Potential Savings: Since no bank fees or mortgage insurance premiums are associated with seller financing, the buyer may save money in the long run. Additionally, closing costs are usually lower because there’s no need for a bank appraisal or other traditional mortgage-related expenses.

Benefits to the Seller

Seller financing isn’t just beneficial for the buyer. There are several advantages for the seller as well:

Higher Selling Price: Sellers can often demand a higher selling price when offering financing. Buyers are usually willing to pay more for the convenience and flexibility that seller financing provides.

Faster Sale: Properties with seller financing tend to sell faster as they attract a broader pool of potential buyers, including those who might not qualify for traditional financing.

Passive Income: Sellers can generate a steady stream of passive income through interest payments from the buyer. This can be an excellent way to supplement their income, especially if the seller only needs part of the full sale amount upfront.

Tax Breaks: Sellers can benefit from certain tax breaks when offering seller financing, such as spreading capital gains taxes over several years. However, consulting with a tax professional is essential to understand the specific tax implications.

Control Over Terms: By acting as the lender, the seller has more control over the terms of the deal, including the interest rate and payment schedule. This can benefit the seller, as they can tailor the terms to their financial needs and preferences.

Navigating the Houston Seller Financing Deals

If you’re interested in exploring Houston Seller Financing Deals, here are some steps to get you started:

Research Potential Properties: Look for properties in Houston, Texas, where the owner is willing to provide financing. You can find these listings online or through a local real estate agent. Many sellers are open to this arrangement, especially if they need help selling their property through traditional methods.

Understand the Terms: Before agreeing to any deal, make sure you understand the terms of the loan, including the interest rate, payment schedule, and any penalties for late or missed payments. It’s essential to ensure that the terms are reasonable and that you can comfortably meet your obligations.

Hire a Real Estate Attorney: To ensure you’re protected, hire a real estate attorney to review the agreement and handle the closing process. They can help ensure that the contract is legally sound and that your interests are protected. Your attorney can also help you understand any terms that might be confusing and can negotiate on your behalf if needed.

Make Your Payments: Once the deal is finalized, make your payments on time. This is essential to keep the property and build a good relationship with the seller. If you need help to make payments, communicate with the seller as soon as possible to see if you can negotiate new terms.

Credit-Challenged Home Loan Alternative

Houston Seller Financing Deals can be a great option for those with trouble securing a traditional home loan due to poor credit. Unlike traditional lenders, sellers are more willing to work with buyers with less-than-perfect credit, making it an attractive option for credit-challenged individuals.

Conclusion

Houston Seller Financing Deals can be a win-win for both buyers and sellers. They offer a unique opportunity for buyers who may not qualify for traditional financing, and sellers can benefit from a faster sale and passive income. If you’re interested in exploring seller financing options in Houston, start by researching potential properties and understanding the terms of the deal. And remember, always consult with a real estate attorney to protect your interests.

If you’re in Houston, Texas, interested in prompt financing solutions or need a credit-challenged home loan, please contact us. We’re here to help you navigate the process and find a deal that suits your needs.

If you found this guide to Houston Seller Financing Deals helpful, please share it with others who may benefit. Happy investing!

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joeraetzer · 6 months ago

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Common Mistakes in Small Business Purchase Agreements

When buying or selling a small business, it can be tempting to skip hiring a lawyer and rely on templates or simple agreements. However, we strongly advise against this. Even in small transactions under $100 million, the stakes are high: sellers want a fair return without lingering legal issues, and buyers need to protect their investment. A properly drafted purchase agreement is essential, as small business sales involve many moving parts. Here are some common pitfalls with overly simplified purchase agreements: 1. No Clear Distinction Between Asset Sale and Stock Sale In many simple agreements, there’s no clear indication of whether the sale includes the business’s assets or the stock in the entity that owns the business. This distinction is critical: buying a company’s stock means taking on all its rights and obligations, which can be risky if you’re not fully aware of those obligations. To avoid this, many buyers prefer to purchase just the assets of the business (e.g., furniture, accounts, trademarks, client lists), enabling them to continue operations without assuming all liabilities. 2. Poor Identification of Assets to Be Sold Vague references to “all the assets” without further details can lead to disputes later on. The agreement should clearly define the “Purchased Assets” and specify any “Excluded Assets,” like cash or bank accounts, which typically remain with the seller. A common mistake is referring to “assets listed in Exhibit A” without including Exhibit A in the final agreement. 3. Overlooking the Need for Landlord’s Consent If the business includes a leased location, you must review the lease and ensure the landlord consents to the lease transfer. Without this consent as a condition of sale, you could end up with the assets but no business location. Additionally, clarify who receives credit for the security deposit held by the landlord; it’s often refunded to the seller at closing unless agreed otherwise. 4. Insufficient Representations and Warranties The agreement should include warranties regarding the assets. Avoid terms like “as is.” At a minimum, the seller should confirm that tangible assets are free of liens, in good condition, and that all associated contracts are valid and enforceable. 5. Undefined Closing Deliveries The closing is the formal transfer day when the agreement is finalized. The agreement should detail what each party must deliver at closing. Buyers might require the full purchase payment, a promissory note for installments, and assignment agreements for any transferred contracts. Sellers might need to provide a bill of sale, landlord consent for lease transfer, and executed copies of other relevant agreements. Bottom Line Selling or buying a business without legal guidance can lead to costly mistakes. A well-crafted purchase agreement, tailored to your specific transaction, is vital. A template simply won’t do. Raetzer PLLC Read the full article

#corporatelaw

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auxolaw · 6 months ago

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Navigating Business Purchases and Sales: What You Need to Know About Legal Assistance in Denver

When it comes to navigating the complex world of business purchases and sales, having the right legal assistance is crucial. Whether you are considering acquiring a new business or selling an existing one, understanding the intricacies involved in these transactions can make the process smoother and more beneficial. In Denver, the legal landscape for such transactions is rich and varied, and having expertise like that of a Business Purchase Lawyer or a Business Sale Attorney can be a game-changer.

Understanding the Role of Legal Experts in Business Transactions

Business and Commercial Law Firm Advantage: Engaging with a reputable Business and Commercial Law Firm can provide comprehensive legal support. These firms specialize in handling complex business transactions and offer tailored advice for buying or selling a business.

Drafting and Reviewing Contracts: A Business Contract Lawyer plays a pivotal role in drafting and reviewing contracts to ensure that all terms are clear, enforceable, and beneficial for your business. In Denver, a seasoned Business Contracts Lawyer Denver ensures compliance with local regulations while catering to your specific needs.

Navigating the Purchase Process: A Business Purchase Lawyer helps guide you through the entire acquisition process, from due diligence to closing. They ensure you understand the obligations and risks involved, providing peace of mind throughout the transaction.

Facilitating Business Sales: Just as critical as purchasing, selling a business requires strategic planning and execution. A Business Sale Attorney can help structure the sale to maximize value and minimize liabilities, supporting you every step of the way.

Specific Legal Considerations in Denver

Local Expertise Matters: Hiring a Denver Business Lawyer gives you the edge of localized expertise. They understand the intricacies of Denver’s business environment and can navigate nuances that non-local lawyers might overlook.

Complexity of Mergers and Acquisitions: If your transaction involves merging with or acquiring another company, engaging a Corporate Lawyer for Mergers and Acquisitions is essential. These legal experts specialize in managing complex negotiations and integrating business operations.

Special Attention to Lease Agreements: In real estate-intensive transactions, a Commercial Lease Review Denver attorney is invaluable. They help in reviewing lease documents, safeguarding your interests whether you are inheriting or relinquishing a business property lease.

Ensuring Comprehensive Legal Coverage

Consulting Agreements: Often, business purchases and sales might involve consulting services. A Consulting Agreement Lawyer Denver can draft agreements that clearly define the scope and terms of these consulting services, preventing future disputes.

Employment Agreements and Vendor Considerations: Transitioning employees and vendors require careful legal consideration. An Employment Agreement Lawyer Denver ensures continuity and protects against potential disputes with existing or new employees. Similarly, a Vendor Agreement Lawyer Colorado assists in maintaining or renegotiating vendor contracts.

Financial and Promissory Note Considerations: Financial transactions during business sales often involve promissory notes. A Promissory Note Attorney Denver ensures that all financial agreements are robust and protect your financial interests.

Estate Planning and Transition

Planning for the Future: Business owners looking to secure their business legacy should consider their estate planning needs. An Estate Planning Attorney Denver CO can help ensure that your business transition aligns with your personal estate goals. This might involve drafting or updating wills and trusts, tasks well-suited for a Wills And Trusts Lawyer Denver.

Addressing Family Interests: For family-owned businesses, involving an Estate Lawyer For Families in business transitions can be critical. They can help navigate family dynamics and ensure that all family interests are considered in the sales agreement.

Corporate Law Guidance for Small Businesses: Small business owners benefit greatly from the expertise of a Corporate Lawyer For Small Business. They provide insight into local business laws and help tailor transaction strategies to fit smaller, more agile organizations.

Conclusion: The Value of Expert Legal Guidance

Navigating the process of business purchases and sales is a significant undertaking with potential risks and rewards. Engaging expert legal assistance in Denver ensures that you have the knowledge and support required to make informed decisions. Whether it’s crafting robust contracts, ensuring regulatory compliance, or safeguarding your interests through estate planning, having the right legal partner is indispensable.

If you’re considering a business transaction, start by consulting with a Denver Corporate Law Services expert. Their comprehensive understanding of local laws and business dynamics can help you achieve a successful, beneficial outcome. With the right legal team, your business can make a seamless transition, setting the stage for future success.

For more info:-

Commercial Lease Review Denver

Consulting Agreement Lawyer Denver

Denver Residential Lease Attorney

Denver Wills Attorney

Lawyer For Consulting Agreements

Lease Review Attorney

#legal #legal attorney #legal services #legal law firm

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