#Top commercial mortgage near me

[elitecapitaluae]

Lenders charge break fees, also known as prepayment penalties, to compensate for the interest income they would lose if a borrower pays off their loan early, typically due to refinancing or selling the property. These fees help lenders mitigate the financial impact of early repayment. Contact us for more information Email: info@elitecapital.ae Phone : +971 4 572 6066 available Mon to Fri 9 to 6pm Mobile: +971 50 456 6833 Visit: https://elitecapital.ae/commercial-finance for more details

[homanardalan]

Homan Ardalan - What Are The Risks Of Private Lending?

Private lending has labored properly for me as a lender and borrower for the beyond ten years, and I even have used this investment version to construct a portfolio of over a hundred properties, earn heaps of passive earnings, in addition, to pay out loads of heaps of greenbacks in passive earnings to my creditors.

All that said, there may be truly a risk of worrying about personal lending. If you're aware and careful, it may be simply as clean to lose cash as make it! Private lending isn't without risk. There are masses of methods to lose your cash in case you aren't paying near attention.

To know more: Homan Ardalan What Are Leads And What Are The Ways To Track Down The Best Leads For Your Business.

However, Homan says, there are multiple risks involved. Here are the top 4 Types of Risks in Private Lending

Credit risk

Collateral risk

Market risk

Investment risk

Credit Risk

Credit risk is successfully the risk that there will, sooner or later, be trouble together with your borrower. Most in all likelihood in an effort to be the borrower is not able or unwilling to make a price or bills at the mortgage and consequently fall into default. Of course, there might be a nearly limitless variety of underlying motives for his or her default.

Credit risk is the risk that something is going incorrect with/to your borrower and that they forestall making bills at the mortgage

Collateral Risk

There is, of course, a ton of stuff which could move incorrect with actual property, particularly at some stage in maintenance tasks, along with (however truly now no longer restrained to):

Some got here in below price range and cheaper. Others got here over price range and took manner longer than anticipated. There truly isn't any genuine technological know-how to it. You discover what you actually need to do as soon as your contractor genuinely receives in there and begins off evolving taking matters apart.

You may also have troubles with your name, however with a bit of luck you took my recommendation and closed your mortgage via the ideal name agency or legal professional who did complete name work, and also you additionally were given your self creditors' name insurance!

Investment Risk

The possibility or probability of prevalence of losses relative to the anticipated goes back on any specific funding. Your lending standards and due diligence procedure is designed to align you with debtors and tasks that you could be cushty making an investment in.

Simply put, funding risk is the extent of the uncertainty of success. The ever-gift capability for now no longer accomplishes the anticipated or projected funding returns specified in your plan and paperwork. In short, funding risk is a gift any time you convert to cash in go back for an anticipated result.

But, you need a great private money lender for this. Why? Well, check out the following details to know more: Homan Ardalan – Instructions To Get Started In Commercial Real Estate Investing.

Market Risk

Even a damaged clock tells the proper time two times a day!

That said, you have to apprehend the wider dynamics of the financial system and actual property markets. Even in a downturn marketplace, there are first-rate possibilities to spend money on actual property, so simply try and apprehend the micro photo of the project, in addition to the macro photo of the broader marketplace.

[hakesbros]

San Antonio, Tx Homes For Sale & San Antonio, Tx Actual Estate

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Unfortunately, though costs are down from their mid-year peak, they’re nonetheless up from this time last year. And with today’s steep mortgage charges, you won't be capable of borrow as much cash as you would have a yr in the past. On the optimistic facet, although, you’ll face much homes for sale san antonio less competitors should you determine to purchase a house now, as many buyers have decided to hold off. Just make positive you have a good grasp on your funds, and get preapproved for a mortgage earlier than you begin your own home hunt.

You must register your contact data to view safe data on this listing. We apologize, but the characteristic you are attempting to entry is currently unavailable. We are conscious of this concern and our staff is working exhausting to resolve the matter. We have the assets you need, whether home builders in san antonio you're looking to purchase, promote, or rent. San Antonio is home to the 16th-best hospital in Texas, the Methodist Hospital - San Antonio. Methodist Hospital is top-ranked across the state for most cancers care, cardiac companies, and surgical care, however provides a plethora of other useful services.

Nestled in north central San Antonio, Texas, Shavano Highlands is a new home neighborhood by Toll Brothers that gives new luxurious single-family homes on expansive 90-foot-wide home sites. There are presently 787 Commercial Real Estate listings for sale close new home builders san antonio to San Antonio, TX. The newest listings are all the time featured on LoopNet, and new properties are listed for sale regularly. A actual property agent is a REALTOR® when he or she turns into a member of the National Association of REALTORS®.

As of June 2022, an condo rents for $1,281 per thirty days, whereas a single-family home will get $1,965 citywide . Please contact our community sales workplaces instantly for present obtainable listed floor plan costs and homesite premiums. Prices, phrases, promotions, options, choices, amenities, ground plans, elevations, designs, supplies, sq. footages, associations fees, and descriptions are subject to change with out discover. Prices shown discuss with the base ground plan and do new homes san antonio not embody any elective features, upgrades, homesite premiums, improve exterior elevations, or association charges. Find the perfect itemizing agent Hire the perfect real estate agent in your area.Find out your home value See what your house is price.Discover homes for sale Find a place you will love to reside. Working with an experienced local real property agent is probably considered one of the finest methods to get perception into the Texas housing market.

[loveislattes]

Patience Is Key (Darkiplier/Fem!Reader) Chapter 1

Commission prompt:  Reader only knows that sex is pain, so Dark shows her otherwise...?

Caution! This story does contain mentions of past borderline-abusive relationship and there is one scene that slightly delves into the situation, but it never goes further than pushing and forced kissing.

This chapter is SFW other than some cursing. The next chapter will be the oh so lovely smutty bit. ^^ Chapter 2 will be out next week! 

“Ah, damn it!” 

The curse left my lips the second I finally registered that I had dropped the extremely large box of pots and pans on my toe, and not on the flat floor as intended. Jerking back, I fell into the rickety wooden chair behind me and pulled my injured foot up into my lap with a wince.

“Why am I such a fucking klutz?!” I wheezed through the pulses of pain. 

It took a few minutes of babying my poor toe but eventually, I managed to soothe away the pain and get back onto my feet. Why was it that toe injuries always felt so much worse than other injuries? As I debated that question, as well as the existential existence of pain at all, I got moving about the sparse kitchen once more. The boxes weren’t going to empty themselves after all and I only had the two days until I started my new job to get it all done. 

“Lord knows if I had to take one more extra day off, it’d be the end of the world,” I muttered under my breath.

Working retail had to be one of the worst career choices in the world. Sadly, it was all I could find for the time being and this new house mortgage, low as it was, wouldn’t pay itself; Not to mention that my savings were meager at best and wouldn’t last long if I had to rely on them, thanks to my problematic ex. 

This house was a blessing in disguise and I definitely couldn’t afford to lose it. A beautiful victorian-style two-story home at only four hundred fifty a month, with no real damage other than cosmetic updates needed? Yeah. It was practically impossible. My first thought was that it had a sordid past, whether drug crime or murder related, but that didn’t seem to be the case thankfully. The owners had inherited it and we’re willing to sell it for a steal just to get rid of it so they didn’t have to pay taxes and insurance. Their loss, my gain, apparently. 

I had gotten so lost in my thoughts about work and the house that I was done moving the last of the boxes before too long. Score one for daydreaming! 

I set about organizing my cabinets next, emptying the boxes one by one until they were all barren and tossed to the back of the room.

“That’s a problem for future-me,” I muttered, running a hand through my hair with a huff, “I guess dinner is next on the list. Never a better time to find out what take out they have around here!”

I meandered into the living room and plopped down on the worn couch, pulling my laptop into my lap. While waiting for the screen to wake up, I grabbed the TV remote from the coffee table and turned it on as well, needing the background noise with how silent the old home was. I’d definitely have to keep an eye on that or else I’d find myself creeped out even without anything happening. A random cartoon filled the large screen and jaunty music spilled from the speakers as the characters conversed. Shrugging, I tossed the remote back down on the table and returned to my laptop.

After logging in, a quick google search led me to a page full of restaurants both familiar and new to me. Moving to a big city definitely had its perks! 

“Now the question is which one,” I sighed. 

It took a few minutes of debating but I finally settled on ordering from a highly rated Chinese restaurant across town. I was promised my food in about twenty-five minutes and a delivery tracker popped up on the screen right after.

“That’s nifty!”

Setting the laptop back onto the table with the dimmed screen facing my direction, I let myself be pulled into the ridiculous antics of the cartoon characters on TV until a commercial came on. My eyes instinctively drifted over to the laptop to check on the tracker. The red line was about halfway across, indicating they would be leaving the store soon. Nice! Unfortunately, I also caught my reflection on the screen and couldn’t help but take a moment to fix my hair out of reflex. As I adjusted my top to look less wrinkled, I suddenly noticed a black shape in the background, near what would be the corner of the room behind the couch. I froze, heart pounding in my throat as my eyes widened.

“No way,” I whispered. 

Leaning in closer, I focused on the shadow. Too afraid to actually turn around and look, I hoped I could debunk it from this angle alone. I was just about convinced it was actually a part of the LCD going out in that one spot- when suddenly it moved!

“FUCK!”

An uncontrollable screech left my lips as I leaped up from the couch. Spinning to face the shadow, I reflexively snagged up the throw pillow on the couch and tossed it full force in that direction while trying to move away. Unfortunately, I forgot exactly where I was standing in the new layout and the fact that the table was behind me. I was reminded painfully of that fact as my calf muscle slammed hard into the solid wood and I went careening backward. I frantically tried to catch myself but only succeeded in slamming my elbow into the edge of the table and whacking my fingers against the floor in a way that made me see stars.  

Tears pricked behind my eyelids as I hissed through the urge to cry. I was about to lie in a puddle of agonizing defeat until I remembered the whole reason I fell. With a curse, I rolled over to my hands and knees, panting as I looked toward the offending part of the room. There was nothing there. No shadow and no reason I should have ever seen one there; no coat rack, no bookshelf, nothing. Just a bare wall. 

“What the hell was that?!” I groaned.

Now that there was no impending, visible, threat, I spent a good few minutes taking all my injuries into account. Sore calf, elbow, and fingers. Bruises were likely in each spot, unfortunately. Thankfully it didn’t get any worse than that. With my luck, I was surprised I didn’t crack my head open on the floor instead. It was with a heavy, defeated sigh, that I succumbed to the need to lay flat on the floor and catch my breath. 

“I’m losing it. That has to be it. All the stress of the move and being alone just got to me,” I assured myself quietly. 

I wasn’t sure how long I wallowed there in self-pity, but it couldn’t have been as long as it felt because I was soon roused by the sound of someone knocking at the door.

“Foooood!” 

Collecting my fallen pride and battle wounds, I scrambled up off the floor and rushed to the front door, snagging my wallet from my purse on the way. The delivery driver was nice enough and we made small talk as we exchanged food and money. I thanked him after he mentioned their loyalty program then shut the door before hesitantly making my way back into the living room. As I scanned the rather empty space, I was relieved to find it just as it was before; no shadows in sight. 

“I’m probably gonna have nightmares from that shit too,” I muttered, plopping onto the couch and popping open the box.

With a little shake of my head to clear my thoughts, I returned to the show and let the thoughts from the day slowly melt away with every mouth full of delicious food. 

…

It took two months of living in the new house to finally feel more at home. Most everything was put away and decorations filled the walls, warming up the once empty and creepy place. I no longer felt like an uncomfortably unwelcome stranger. The thought of that shadow did, unfortunately, still linger in the back of my mind every night though. I’d be fine all day until it was nighttime and dark in the house. Once the sun was down, it was like my gorgeous home was a totally different place. I didn’t see that moving shadow anymore, but I swore I saw things out of the corner of my eye and it constantly felt like I wasn’t alone. 

One particularly rough night left me searching the entire house for hidden cameras and trapped doors because I could have sworn I was being watched. Of course, I found nothing of the sort, but it didn’t lessen the fear by much. I even started making myself go to bed earlier than usual just to avoid being alone with my paranoid thoughts. Something had to give before I went crazy! 

I was even to the point of considering making new friends; Something to break up the monotony and constant feeling of being alone. Maybe inviting another person into the house would make the eerie feeling go away? One could hope! I wasn’t in the habit of bringing home people, due to my ex, but it was getting to the point where it might be necessary. A person could only take so much alone time!

A rapid knocking on my door tore me out of my lonely thoughts and back to reality with a jolt.

“Who could that be?” I muttered under my breath.

I hadn’t ordered any food and I was pretty sure I hadn’t ordered anything off Amazon recently. Uncurling from my nest of blankets, I hastened to the front door when the visitor knocked again. Impatient buggers weren’t they?

“I’m coming!”

Without thinking to check the peephole first, I pulled the door open and instantly recognized the horrible mistake I had made. I tried slamming the door shut before he could enter but already I was too weak with fear; simply seeing his menacing face leaving me powerless. He was easily able to catch the wood and shove his way in as if I weren’t even there. 

“Heeeey baby.”

I wasn’t even given a breath’s moment to respond. Instantly his hands were on my shoulders and I was slammed into the wall. Pain exploded through my skull and my knees weakened dangerously as I struggled through frustration and fear. 

“You thought ya could just move away and I wouldn’t find ya, baby? Ya outta know better’n that.”

The familiar sensation of bile rose in my throat when his lips smacked against mine. It took all of my resolves to hold it down. It would only add insult to my injury because he wouldn't give a damn and I’d be left worse for wear.

“Aw, come on. Play nice with me, won’t cha? It’s been far too long since I’ve seen ya.”

All I could manage was a timid shake of my head.

Fuck, it was like this any time he was around! Just being in his presence made the littlest of movements hard, like my body just instinctively gave up to avoid more trouble even though my heart told me to fight. If I could fight back, he’d probably back off after a while but I just couldn’t. Flashes of the times he tried to force himself on me, drunk and belligerent, held me back from it. Giving in was just easier, safer, in the long run.

I felt the numbing sensation of acceptance slide through my muscles when his mouth pressed on mine again. Disgust and hatred bubbled in my gut; not only for him but also for myself. So weak, pathetic.

Out of nowhere, the deafening sound of doors slamming rang through the air, causing us both to jump apart. With a Yelp, I clapped my hands over my ears to block out the painful noise as I looked around in shock for the source. To my utter disbelief, I found the cause to my cabinet doors, opening and shutting at breakneck speed. It only lasted for about half a minute before suddenly they stopped, just as abruptly as they had started. My astonishment was cut short by a cry from across the room. 

Having abandoned his pursuit, my ex now stood frozen near the door, ashen white and shaking. Upon closer inspection, I thought I could see a faint shadow around his throat but my line of vision was disrupted when he turned and rocketed out the door. Once the entryway was clear, the door shut calmly behind him. 

It was deadly quiet in the aftermath of whatever the hell happened. The sounds of my heavy breath were the only noises in the air. Scared, but thankful, I hesitantly surveyed the kitchen and the living room for any sign of what had caused the disruption. There was nothing, of course. Not even a hint of the shadow I had spotted months ago. 

Letting out a nervous sigh, I ran a hand through my hair and said, “Thank you… whoever you are."

I didn’t wait for a response before high tailing it to my room and diving under my fluffy comforter, torn between calling my mom or crying until I fell asleep. My body made the decision for me before I could contemplate it for long, shutting down and passing out quicker than anticipated. 

When I woke, it was dark in the room. The radio clock beside my bed read an irritating one thirty am. Despite having slept for six hours, I felt like I hadn’t slept a wink; nightmares resounding in my head like sirens the entire time. 

Rather than trying to force myself back to sleep, I slipped out of the bed, determined to get some hot tea or cocoa to help soothe my inner demons. Unfortunately, I spotted my reflection in my vanity mirror on the way by and I felt compelled to stop. My usually glowing skin looked pallor and lifeless and the bags under my eyes gave the same sentiment.

“Fucking hell,” I muttered, pulling at my bedhead locks in frustration, “I’m not gonna recover from this.”

My outside reflection was only a sliver of the mess that was inside my mind though. And I knew I would get over it in the long run but it always felt so impossible at the start. I just had to turn the sadness into anger. My thoughts were derailed by the sudden feeling of eyes on my back; That familiar itching sensation of being watched sending shivers down my spine. I didn’t see anything in the room around me but when I finally turned back to the mirror I spotted it; an eerily familiar shadow. It was only moments before there was a man suddenly standing behind me in the reflection. 

Although my mouth moved, trying to scream or make any sort of sound, nothing would come out. Scads of questions bombarded my already frazzled sense of sanity as I tried to scream until eventually a worrying sense of calm washed over me in place of the stilted panic.

“I’m not going to hurt you,” he assured me as if reading my mind.

The low timbre of his voice made the rational part of my brain melt but the way it reverberated around the room sent my hairs standing on end. My body instinctively went stiff and still as his arms reached around my sides. Cool fingers rested on my forearms and slowly rubbed the goosebumps away in a soothing manner while he stepped closer. I could hardly meet his eyes in the reflection without feeling as if I were staring a predator head-on.

“How did you get in here?” I finally managed to ask. 

An absolutely devastatingly handsome smirk curled up his lips before he flashed large, sharp, pearly whites down at me. 

Oooh fuck, those were some pointy fangs. 

“I’ve been here the entire time, darling. You’re the one who barged in rather abruptly when you decided to move in.”

I began to question my sanity once more as his form slowly lost color and brightness in the mirror, becoming a barely distinguishable shadow behind me. Though his touch on my skin never diminished, to the eye he was nearly invisible. Just as gradually, he filtered back into view. 

His reasoning was lost to me as I tried to figure out just what was going on until eventually, it clicked.

“You’re the mother fucking shadow that has been driving me insane, aren’t you?!” I shouted, jerking out of his reach and spinning to face him, “Just how in the hell did you do that? Why have you been scaring me? What-”

His hand came up swiftly and I froze immediately, only able to watch as he cupped my jaw. A whimper reflexively slipped out as his thumb pressed against my lips. 

“To answer your questions in order: Yes, I am. Shifting is just one of my many abilities. I have not meant to scare you, well, not these last few weeks anyhow. I’ve become- let’s call it- fascinated. Most would have left by now and yet here you stand, heels dug in like a stubborn mule. You’re intriguing.”

The moment he released his hold, I found myself asking, “What are you?”

“What do you think I am?” he retorted, stepping back and slipping his hands into his pockets.

I simply shrugged. How should I know? Before now, I didn’t believe in anything supernatural, but now I was questioning that stance.  

“A demon? A ghost?” I replied.

He hummed momentarily before cocking his head to the side, eyes narrowing as they burned into mine. 

“Does that scare you?”

So many freaking questions! I scrubbed a hand over my face wearily before slapping my palms against my thighs and mentally admitting defeat.

“Unless you’re going to kill me, no. You were terrifying in that shadow form but now that I’ve seen you face to face, I’m not so scared. Don’t get me wrong, I have a healthy respect for you but it’s also comforting to see that you’re not some decayed-looking ghost who is going to warp my face by looking me in the eyes,” I hesitated as another realization hit me hard then carefully added, “Not to mention, I’m pretty sure you’re what saved my ass earlier… right?”

There was a flurry of emotions across his face as his brows knitted together before he seemed to relax some and amusement showed at last. 

“You are just full of surprises, aren’t you?”

I shrugged in response before finally slipping past him to sit on the bed, the shakiness of my legs becoming too much to bear. I could put on a brave face but my body could give way any second. I had been through too much in the last twenty-four hours. Once seated and more comfortable, I met his gaze again. 

“Am I right? Were you the one that scared him away?”

He hummed and tilted his head once in a positive indication before adding, “Luckily for him, he’s as cowardly and self-concerned as most of you humans. Had that not have worked, I would have been forced to take further measures.”

The way his echo deepened and his fangs flashed in an animalistic snarl sent more goosebumps up my arms and neck. Fucking hell. My emotions were having a hard time keeping up through it all; enamored by his good looks, terrified by his powerful aura, curious about his existence. He was, simply put, overwhelming. 

If it wasn’t for his discoloration, echoing voice, and the fangs, he’d seem like any ordinary human. A very attractive human at that… I had to stop that train of thought right there! I’d be just like me and my horrible taste in men to get a crush on the ghost- demon- thing.

“So, um, you said you were here before me. Are you stuck here, like a ghost or something?” I managed to ask while rubbing my goosebumps away. 

“No. This is merely a residence of convenience. Your closet holds a portal to my realm and it’s the simplest way in and out for me. I choose to stay here when I must remain in the human world for any amount of time. You’re the first person to live here in decades.”

I thought my heart was going to jump out of my chest in bewilderment when he suddenly moved towards the bed at an inhuman speed. A reflexive flinch had me jerking away when he reached out for me but he was quicker, hand snagging my chin to keep my gaze solely on him.

“Your turn to answer a question for me,” he stated without giving any room for argument, “Who was that man from before, and what is his concern with you?”

Eyeing him warily, I chewed on my lip then answered honestly, “My ex. I wouldn’t say he’s necessarily concerned about me. More so he’s concerned about losing his control over me. He was borderline obsessive and abusive.”

“Do you foresee him being a problem in the future?”

That was a hell of a question. Would he be back? I didn’t even really consider that after how fast he’d run away before but it was always a possibility.

“I honestly don’t know. I guess I should invest in some ADT or something, huh?” I half-assed joked, forcing on a weak smile.

The flat line of his lips told me that he didn’t find my statement as funny as I did. However he did, at last, relinquish his hold on me. 

“I will not stand for a brain dead ape damaging my property. If he comes back, he will be taken care of once and for all.”

Some little devious part of my mind dared to question if he was actually talking about the house, or if he was subtly making a claim over me. The domineering air around him made it seem like a slight possibility. I felt the heat flare over my cheeks before I could stop it and quickly wrapped my arms around my chest defensively before sinking back further onto the bed.

As if a private moment were suddenly disrupted, he cleared his throat loudly and stepped back while adjusting his suit jacket.

“I need to be going. It was nice to officially meet you. If it sits well with you, I will be more prominent around the house since I no longer need to avoid you.”

I nodded and awkwardly replied, “Yeah, er, that’s fine. I mean, it’s more your home than mine anyway, right?”

He made a noise of agreement then turned toward the closet, but stopped with his hand on the doorknob. There was an indescribable expression on his face when he turned back; the whites of his eyes darker than before. 

A smirk that could only be read as cruel crossed his lips and he said, “You may call me Dark. If he comes back when I’m not here, simply ask for me and I’ll be here.”

[arcticdementor]

Stefanie Gray explains why, as a teenager, she was so anxious to leave her home state of Florida to go to college.

“I went to garbage schools and I’m from a garbage low-income suburb where everyone sucks Oxycontin all day,” she says. “I needed to get out.”

She got into Hunter College in New York, but both her parents had died and she had nowhere near enough to pay tuition, so she borrowed. “I just had nothing and was poor as hell, so I took out loans,” she says.

This being 2006, just a year after the infamous Bankruptcy Bill of 2005 was passed, she believed news stories about student loans being non-dischargeable in bankruptcy. She believed they would be with her for life, or until they were paid off.

“My understanding was, it’s better to purchase 55 big-screen TVs on a credit card, and discharge that in a court of law, then be a student who’s getting an education,” she says.

Still, she asked for financial aid: “I was like, ‘My parents are dead, I'm a literal fucking orphan, I have no siblings. I'm just taking out this money to put my ass through school.”

Instead of a denial, she got plenty of credit, including a slice of what were called “direct-to-consumer” loans, that came with a whopping 14% interest rate. One of her loans also came from a company called MyRichUncle that, before going bankrupt in 2009, would briefly become famous for running an ad disclosing a kickback system that existed between student lenders and college financial aid offices.

Gray was not the cliché undergrad, majoring in intersectional basket-weaving with no plan to repay her loans. She took geographical mapping, with the specific aim of getting a paying job quickly. But she graduated in the middle of the post-2008 crash, when “53% of people 18 to 29 were unemployed or underemployed.”

“I couldn't even get a job scrubbing toilets at a local motel,” she recalls. “They told me straight up that I was over-educated. I was like, “Literally, I'll do your housekeeping. I don't give a shit, just let me make money and not get evicted and end up homeless.”

The lender Sallie Mae at the time had an amusingly loathsome policy of charging a repeating $150 fee every three months just for the privilege of applying for forbearance. Gray was so pissed about having to pay $50 a month just to say she was broke that she started a change.org petition that ended up gathering 170,000 signatures.

She personally delivered those to the Washington offices of Sallie Mae and ended up extracting a compromise out of the firm: they’d still charge the fee, but she could at least apply it to her balance, as opposed to just sticking it in the company’s pocket as an extra. This meager “partial” victory over a student lender was so rare, the New York Times wrote about it.

“I definitely poked the bear,” she says.

Gray still owed a ton of student debt — it had ballooned from $36,000 to $77,000, in fact — and collectors were calling her nonstop, perhaps with a little edge thanks to who she was. “They were telling me I should hit up people I know for money, which was one thing,” she recalls. “But when they started talking about giving blood, or selling plasma… I don’t know.”

Sallie Mae ultimately sued Gray four times. In doing so, they made a strange error. It might have slipped by, but for luck. “By the grace of God,” Gray said, she met a man in the lobby of a courthouse, a future state Senator named Kevin Thomas, who took a look at her case. “Huh, I’ve got some ideas,” he said, eventually pointing to a problem right at the top of her lawsuit.

Sallie Mae did not represent itself in court as Sallie Mae. The listed plaintiff was “SLM Private Credit Student Loan Trust VL Funding LLC.” As was increasingly the case with mortgages and other forms of debt, student loans by then were typically gathered, pooled, and chopped into slices called tranches, to be marketed to investors. Gray, essentially, was being sued by a tranche of student loan debt, a little like being sued by the coach section of an airline flight.

When Thomas advised her to look up the plaintiff’s name, she discovered it wasn’t registered to do business in the State of New York, which prompted the judge to rule that the entity lacked standing to sue. He fined Sallie Mae $10,000 for “nonsense” and gave Gray another rare victory over a student lender, which she ended up writing about herself this time, in The Guardian.

Corporate creditors often play probabilities and mass-sue even if they don’t always have great cases, knowing a huge percentage of borrowers either won’t show up in court (as with credit card holders) or will agree to anything to avoid judgments, the usual scenario with student borrowers.

“What usually happens in pretty much 99% of these cases is you beg and plead and say, ‘Please don't put a judgment against me, I'll do anything… because a judgment against you means you're not going to be able to buy a home, you’re not going to be able to do basically anything involving credit for the next 20 years.”

…

The passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was a classic demonstration of how America works, or doesn’t, depending on your point of view. While we focus on differences between Republicans and Democrats, it’s their uncanny habit of having just a sliver of enough agreement to pass crucial industry-friendly bills that really defines the parties.

Whether it’s NAFTA, the Iraq War authorization, or the Obama stimulus, there are always just enough aisle-crossers to get the job done, and the tally usually tracks with industry money with humorous accuracy. In this law signed by George Bush, sponsored by Republican Chuck Grassley, and greased by millions in donations from entities like Sallie Mae, the crucial votes were cast by a handful of aisle-crossing Democrats, including especially the Delawareans Joe Biden and Tom Carper. Hillary Clinton, who took $140,000 from bank interests in her Senate run, had voted for an earlier version.

Party intrigue is only part of the magic of American politics. Public relations matter, too, and the Bankruptcy Bill turned out to be the poster child for another cherished national phenomenon: the double-lie.

…

Years later, pundits still debate whether there really ever was an epidemic of debt-fleeing deadbeats, or whether legislators in 2005 who just a few years later gave “fresh starts” to bankrupt Wall Street banks ever cared about “moral hazard,” or if it’s fair to cut off a single Mom in a trailer when Donald Trump got to brag about “brilliantly” filing four commercial bankruptcies, and so on.

In other words, we argue the why of the bill, but not the what. What did that law say, exactly? For years, it was believed that it absolutely closed the door on bankruptcy for whole classes of borrowers, and one in particular: students. Nearly fifteen years after the bill’s passage, journalists were still using language like, “The bill made it completely impossible to discharge student loan debt.”

…

The phrase “Just asking questions” today often carries a negative connotation. It’s the language of the conspiracy theorist, we’re told. But sometimes in America we’re just not told the whole story, and when the press can’t or won’t do it, it’s left to individual people to fill in the blanks. In a few rare cases, they find out something they weren’t supposed to, and in rarer cases still, they learn enough to beat the system. This is one of those stories.

…

Smith’s explanation of the history of the student loan exemption and where it all went wrong is biting and psychologically astute. In his telling, the courts’ historically sneering attitude toward student borrowers has its roots in an ages-old generational debate.

“This started out as an an argument between the Greatest Generation and Baby Boomers,” Smith notes. “A lot of the law was created by people railing against draft-dodging deadbeat hippies.”

He points to a 1980 ruling by a judge named Richard Merrick, who in denying relief to a former student, wrote the following:

The arrogance of former students who had received so much from society, frequently including draft deferment, and who had given back so little in return, accompanied by their vehemence in asserting their constitutional and statutory rights, frequently were not well received by legislators and jurists, senior to them, who had lived through the Depression, had worked their ways through college and graduate school, had served in World War II, and had been paying the taxes which made possible the student loans.

Smith laughs about this I didn’t climb the hills at Normandy with a knife in my teeth just to eat the debt on your useless-ass liberal arts degree perspective, noting that “when those guys who did all that complaining went to school, only rich prep school kids went to college, and by the way, tuition was like ten bucks.” Still, he wasn’t completely unsympathetic to the conservative position.

…

This concern about “deadbeats” gaming the system — kids taking out fat loans to go to school and bailing on them before the end of the graduation party — led that 1985 court to take a hardcore position against students who made “virtually no attempt to repay.” They established a three-pronged standard that came to be known as the “Brunner test” for determining if a student faced enough “undue hardship” to be granted relief from student debt.

Among other things, the court ruled that a newly graduated student had to do more than demonstrate a temporary inability to handle bills. Instead, a “total incapacity now and in the future to pay” had to be present for a court to grant relief. Over the course of the next decades, it became axiomatic that basically no sentient being could pass the Brunner test.

…

In 2015, he was practicing law at the Texas litigation firm Bickel and Brewer when he came across a case involving a former Pace University student named Lesley Campbell, who was seeking to discharge a $15,000 loan she took out while studying for a bar exam. Smith believed a loan given out to a woman who’d already completed her studies, and who used the money to pay for rent and groceries, was not covering an “educational benefit” as required by law. A judge named Carla Craig agreed and canceled Campbell’s loan, and Campbell v. Citibank became one of the earlier dents in the public perception that there were no exceptions to the prohibition on discharging student debts.

“I thought, ‘Wait, what? This might be important,’” says Smith.

By law, Smith believed, lenders needed to be wary of three major exceptions to the non-dischargeability rule:

— If a loan was not made to a student attending a Title IV accredited school, he thought it was probably not a “qualified educational loan.”

— If the student was not a full-time student — in practice, this meant taking less than six credits — the loan was probably dischargeable.

— And if the loan was made in an amount over and above the actual cost of attending an accredited school, the excess might not be “eligible” money, and potentially dischargeable.

Practically speaking, this means if you got a loan for an unaccredited school, were not a full-time student, or borrowed for something other than school expenses, you might be eligible for relief in court.

Smith found companies had been working around these restrictions in the blunt predatory spirit of a giant-sized Columbia Record Club. Companies lent hundreds of thousands to teenagers over and above the cost of tuition, or to people who’d already graduated, or to attendees of dubious unaccredited institutions, or to a dozen other inappropriate destinations. Then they called these glorified credit card balances non-dischargeable educational debts — Gray got one of these “direct-to-consumer” specials — and either sold them into the financial system as investments, borrowed against them as positive assets, or both.

…

Smith thought these practices were nuts, and tried to convince his bosses to start suing financial companies.

“They were like, ‘You do know what we do around here, right?’ We defend banks,” he recalls, laughing. “I said, ‘Not these particular banks.’ They said it didn’t matter, it was a question of optics, and besides, who was going to pay off in the end? A bunch of penniless students?”

Furious, Smith stormed off, deciding to hang his own shingle and fight the system on his own. “My sister kept saying to me, ‘You have to stop trying to live in a John Grisham novel,’” he recalls, laughing. “There were parts of it where I was probably super melodramatic, saying things like, ‘I'm going to go find justice.’”

Slowly however, Smith did find clients, and began filing and winning cases. With each suit, he learned more and more about student lenders. In one critical moment, he discovered that the same companies who were representing in court that their loans were absolutely non-dischargeable were telling investors something entirely different. In one prospectus for a trust packed full of loans managed by Sallie Mae, investors were told that the process for creating the aforementioned “direct-to-consumer” loans:

Does not involve school certification as an additional control and, therefore, may be subject to some additional risk that the loans are not used for qualified education expenses… You will bear any risk of loss resulting from the discharge.

Sallie Mae was warning investors that the loans might be discharged in bankruptcy. Why the honesty? Because the parties who’d be packaging and selling these student loan-backed instruments included Credit Suisse, JP Morgan Chase, and Deutsche Bank.

“It’s one thing to lie to a bunch of broke students. They don’t matter,” Smith says. “It’s another to lie to JP Morgan Chase and Deutsche Bank. You screw those people, they’ll fight back.”

…

In June of 2018, a case involving a Navy veteran named Kevin Rosenberg went through the courts. Rosenberg owed hundreds of thousands of dollars and tried to keep current on his loans, but after his hiking and camping store folded in 2017, he found himself busted and unable to pay. His case was essentially the opposite of Brunner: he clearly hadn’t tried to game the system, he made a good faith effort to pay, and he demonstrated a long-term inability to make good. All of this was taken into consideration by a judge named Cecilia Morris, who ruled that Rosenberg qualified for “undue hardship.”

“Most people… believe it impossible to discharge student loans,” Morris wrote. “This Court will not participate in perpetuating these myths.” The ruling essentially blew up the legend of the unbeatable Brunner standard.

Given a fresh start, Rosenberg moved to Norway to become an Arctic tour guide. “I want people to know that this is a viable option,” he said at the time. The ruling attracted a small flurry of news attention, including a feature in the Wall Street Journal, as the case sent a tremor through the student lending world. More and more people were now testing their luck in bankruptcy, suing their lenders, and asking more and more uncomfortable questions about the nature of the education business.

In the summer of 2012, a former bond trader named Michael Grabis sat in the waiting room of a Manhattan financial company, biding time before a job interview. In the eighties, Grabis’s father was a successful bond trader who worked in a swank office atop the World Trade Center, but after the 1987 crash, the family fell out of the smart set overnight. His father lost his job and spiraled, his mother had to look for a job, and “we just became working class people.”

Michael tried to rewrite the family story, going to school and going into the bond business himself, first with the Bank of New York, and eventually for Schwab. But he, too, lost his job in a crash, in 2008, and now was trying to break the pattern of bubble economy misery. However, he’d exited Pennsylvania’s Lafayette College in the nineties carrying tens of thousands in student loans. That number had since been compounded by fees and penalties, and the usual letters, notices, and phone calls from debt collectors came nonstop.

Now, awaiting a job interview, his phone rang again. It was a collection call for Sallie Mae, and it wasn’t just one voice on the line.

“They had two women call at once,” Grabis recalls. “They told me I’d made bad life choices, that I lived in too expensive a city, that I had to move to a cheaper place, so I could afford to pay them,” Grabis explains. “I tried to tell them I was literally at that moment trying to get a job to help pay my bills, but these people are trained to just hound you without listening. I was shaking when I got off the phone, and ended up having a bad interview.”

Two years later, more out of desperation and anger than any real expectation of relief, Grabis went to federal court in the Southern District of New York and filed for bankruptcy. At the time, he, too, believed student loans could not be eliminated. But the more he read about the way student loans were constructed and sold — he’d had experience in doing shovel-work constructing mortgage-backed securities, so he understood the Student Loan Asset-Backed Securities (SLABS) market — he started to develop a theory. Everyone dealing with the finances of higher education in America knew the system was rotten, he thought. But what if someone could prove it?

The 2005 Bankruptcy Act says former students can’t discharge loans for “qualified educational expenses,” i.e. loans given to students so that they might attend tax-exempt non-profit educational institutions. Historically, that exemption covered almost all higher education loans.

What if America’s universities no longer deserve their non-profit status? What if they’re no longer schools, and are instead first and foremost crude profit-making ventures, leveraging federal bankruptcy law and the I.R.S. code into a single, ongoing predatory lending scheme?

This is essentially what Grabis argued, in a motion filed last January. He named Navient, Lafayette College, the U.S. Department of Education, Joe Biden, his own exasperated judge, and a host of other “unknown co-perpetrators” as part of a scheme against him, claiming the entirety of America’s higher education business had become an illegal moneymaking scam.

“They created a fraud,” he says flatly.

…

Grabis doesn’t have a lawyer, his case has been going on for the better part of six years, and at first blush, his argument sounds like a Hail Mary from a desperate debtor. The only catch is, he might be right.

By any metric, something unnatural is going on in the education business. While other industries in America suffered declines thanks to financial crises, increased exposure to foreign competition, and other factors, higher education has grown suspiciously fat in the last half-century. Tuition costs are up 100% at universities over and above inflation since 2000, despite the 2008 crash, with some schools jacking up prices at three, four times the rate of inflation dating back to the seventies.

Bloat at the administrative level makes the average university look like a parody of an NFL team, where every brain-dead cousin to the owner gets on the payroll. According to Education Week, “fundraisers, financial aid advisers, global recruitment staff, and many others grew by 60 percent between 1993 and 2009,” which is ten times the rate of growth for tenured faculty positions.

…

Hovering over all this is a fact not generally known to the public: many American universities, even ones claiming to be broke, are sitting atop mountains of reserve cash. In 2013, after the University of Wisconsin blamed post-crash troubles for raising tuition 5.5%, UW system president Kevin Reilly in 2013 admitted that the school actually held $638 million in reserve, separate and distinct from the school endowment. Moreover, Reilly said, other big schools were doing the same thing. UW’s reserve was 25% of its operating budget, for instance, but the University of Minnesota’s was 29%, while Illinois maintained a whopping 34% buffer.

When Alan Collinge of Student Loan Justice looked into it, he found many other schools were sitting atop mass reserves even as they pleaded poverty to raise tuition rates. “They’re all doing it,” he said.

In the mortgage bubble that led to the 2008 crash, financiers siphoned fortunes off home loans that were unlikely to be repaid. Student loans are the same game, but worse. All the key players get richer as that $1.7 trillion pile of debt expands, and the fact that everyone knows huge percentages of student borrowers will never pay is immaterial. More campus palaces get built, more administrators get added to payrolls, and perhaps most importantly, the list of assets grows for financial companies, whether or not the loans perform.

…

“As long as it’s collateralized at Navient, they can borrow against that,” Smith says. “They say, ‘Look, we've got $3 billion in assets, which are just consumer loans in negative amortization that are not being repaid, but are being artificially kept out of default so Navient can borrow against that from other banks.

“When I realized that, I was like, ‘Oh, my god. They’re happy that the loans are growing instead of being repaid, because it gives them more collateral to borrow against.’” Smith’s comments echo complaints made by virtually every student borrower in trouble I’ve ever interviewed: lenders are not motivated to reduce the size of balances by actually getting paid. Instead, the game is about keeping loans alive and endlessly growing the balance, through new fees, penalties, etc.

There are two ways of approaching reform of the system. One is the Bernie Sanders route, which would involve debt forgiveness and free higher education. A market-based approach meanwhile dreams of reintroducing discipline into student lending; if students could default, schools couldn’t endlessly raise costs on the back of unlimited government-backed credit.

Which idea is more correct can be debated, but the one thing we know for sure is that the current system is the worst of both worlds, enriching all the most undeserving actors, and hitting that increasingly prevalent policy sweet spot of privatized profit and socialized risk. Whether it gets blown up in bankruptcy courts or simply collapses eventually under its own financial weight — there’s an argument that the market will be massively disrupted if and when the administration ends the Covid-19 deferment of student loan payments — the lie can’t go on much longer.

“It’s just obvious that this has become a printing money operation,” says Grabis. “The colleges charge whatever they want, then they go to the government and continuously increase the size of the loans.” If you’re on the inside, that’s a beautiful thing. What about for everyone else?

[theparccentralresidences]

Parc Central Residences | Welcome to Parc Central website

For numerous years now, human beings had been attempting to name me to invite if it's miles nevertheless an awesome concept to put money into belongings withinside the United States? I had been shopping for homes withinside the United States for extra than twenty years already. Buying a actual property withinside the United States commenced withinside the past due 80s, after I were given myself worried withinside the mortgage debacle and savings. This become whilst the banking machine withinside the southern states become failing and we even needed to make transactions of the belongings shopping for and promoting with none banking machine, on the grounds that there have been definitely no banks round parc central residences. Now it is as though there are financial institution disaster each twenty years in America. Prices drastically dropped, every now and then ninety five cents at the greenback, after I become shopping for homes. We may even purchase homes five cents at the greenback! There have been even domestic gadgets that we should purchase for as low as $six hundred and more than one thousand greenbacks in keeping with residence. The truth that the Americans are presently going via a primary financial institution disaster, numerous Australians are nervous to take gain of americaA marketplace. Perhaps you do not ought to fear approximately this difficulty in case you aren't going to stay withinside the United States. In the past due 80s, I did spend numerous time with a few Australians who have been looking to store what is left from their capital, the capital that they have got invested withinside the U.S. And after twenty years, I'm doing it again - assisting Australians who misplaced numerous cash, to get out of the US and could nevertheless be capable of maintain the ultimate capital that they have got invested. The American and Australian Culture Differences Why do you observed this occurred? Why perform a little Australians make investments withinside the United States and grow to be being disappointed? Even if we examine approximately 15% returns - 25% returns. I will study that truth for you in a bit at the same time as. But earlier than that, I'd like to head again to studying the variations among the manner Australians do commercial enterprise from the manner the Americans do commercial enterprise. Most of that is mentioned withinside the ee-e book, written withinside the 1970's referred to as, "American and Australian Cultural Differences". In the ee-e book that Donald Trump wrote, "The Art of the Deal", he certainly stated there's no such element as a win-win in commercial enterprise. It has usually been 'I win and also you lose'. Here's the primary important difference, in Australia, human beings come first, then the cash comes second. While withinside the United States, it's miles the alternative manner round, huge commercial enterprise and the huge greenbacks comes first earlier than the human beings. This would not imply that Americans are terrible and we're properly, we certainly have a special subculture. Also, our governing legal guidelines lean that manner. Our Australian subculture and mentality is contemplated in our felony machine, a machine this is shared with each felony and equitable law. Once a decide sees a settlement that he would not like, he can overturn the settlement on the grounds that below the equitable law, this means that honest play law. Unfortunately, this isn't always the way it works withinside the American gambling field. The actual deal is usually at the piece of paper. On the lighter aspect of gambling withinside the US marketplace is, we each can take a seat down down and speak workout a settlement. I may even exchange a part of a belongings withinside the US for most effective $7. As lengthy as we each signal a one web page General Warranty Deed or Warranty Deed, that belongings is offered for $7. And it expenses that a whole lot due to the fact that's what value me to document this on the neighborhood courtroom docket residence and make the purchase. That is the deal whether or not we had a innovative rent choice or an installment settlement. Unfortunately, in case you get into a few terrible terms, you don't have any authorities frame to are available and appears after you. The deal is, the greenback comes first. So, if ever you're in a rustic in which the actual property has an "I win and also you lose" sort of rule, be careful. They do have special set of rules. Here are a few exciting testimonies of what really occurred over the years. Perhaps via way of means of the stop of this article, a few human beings can instill of their heads that americaA won't be the high-quality vicinity to make investments, until, you already stay there. US Property Management A lot of Australians anticipate that americaA Property Management is treated the identical manner as it's miles in Australia. Here, while you purchase or promote a chunk of actual property, it's miles controlled via way of means of the actual property agent. In americaA, the individuals who bought the belongings to you've got got not anything to do with the control. Here, it's miles tough to discover a person who stocks the identical ethical code as in Australia. And if ever you discover one, it's miles costly, and it may drain you financially. Here's an instance. Strangely, the American control groups can in no way deliver your cash to you in Australia. They appear to have a bad mail carrier on the grounds that they lose numerous cheques. What they do understand is, your cheque sinks due to the fact Australia can be Atlantis. Bottom line is, it's miles approximately taking your cash and now no longer assist you to make a profit. If you pick out to head for an awesome control enterprise, a mild bulb can also additionally most effective value 25 cents, however in case you get it installed, it might cost a little you $88. This is due to the fact properly control enterprise withinside the US, most effective use certified human beings, and certified human beings are costly. Since anybody is scared of being sued withinside the US, the belongings supervisor would not use every body who would not have a license, whether or not it's miles a plumbing license, or electric license. Although a mild bulb withinside the US can also additionally ultimate for 15 months, and it's miles certainly reasonably-priced to shop for. However, on the grounds that I had been an absent landlord, I had been charged numerous $88 to have my mild bulb positioned withinside the residence. And sadly, no Americans can exalternate their personal mild bulbs. In Australia, we do numerous stuff the usage of our hands. Americans had been used to being talented to for see you later that they do not anything. When I hire my homes I observed that my rented belongings withinside the US turns into un-rentable whilst: • the carpet is extra than 2 years vintage, and • your house has been painted much less than a yr ago. In Australia, even supposing my vicinity has a 10, 20 or maybe 30 yr vintage carpet, I can nevertheless have it rented, even supposing it hasn't been painted withinside the ultimate five years. This is the motive why emptiness withinside the US is a whole lot better than in Australia. How does this have an effect on the control? We now understand that a rented unit, condo or a residence withinside the US can not be rented out until it's miles in best situation, nearly a brand new situation. This truth expenses cash. My condo homes in Dallas, Texas was vacant. I additionally had a constructing very near SMU campus and the scholars needed to circulate out at midnight. So, I had a team pass in to re-carpet and repaint. The subsequent morning, I had new human beings coming in, at round 10 a.m. This is simply an fee which you have, as a landlord. You additionally have control groups who ensure that they take cash from your pocket. Being continuously charged for numerous structures like, warm water, heating, and air con which become in no way in your house. The Systems That Drains Your Pocket How approximately air con? Most (if now no longer all) of the homes withinside the US have air-conditioning. And air-conditioning is certainly costly. It might be top notch if americaA tenants smooth the filters. Unfortunately, they do not. If that takes place, your air con structures get burn out. It might take some other $300-$four hundred to have your air con coils wiped clean and feature new compressors positioned in. This manifestly drives you nuts! Another scenario is the ice maker. American homes have an ice maker and each time you update it, it expenses $one hundred thirty plus some other $one hundred fifty for the carrier name. That's almost $300. Ice makers will ultimate for twenty-four months. If you've got got 2 to three tenants who continuously exalternate the temperature of the air conditioned homes, this could fry your air con unit. You modify the air con machine on the grounds that you've got got tenants and unfortunately, they do not recognize your equipment. You will grow to be spending a fortune only for your air con and heating structures. What can be preferred withinside the US isn't always the usual in Australia. The control usually receives 10% of the gross income. A lot of American control groups get their kickbacks from the carrier tradesmen who're continuously despatched out to the homes. Obviously, the owner isn't always the concern of americaA belongings control enterprise, the tenants are. Whatever those tenants need, they get. No be counted how careless those tenants are whilst the usage of your equipments, regardless of how continuously they expend your coins waft or profits. These are simply a number of the matters that in no way takes place in Australia. Here in Australia, we serve human beings to stay in is backside of the range, Americans can not be served this manner. Most Americans do not pay their hire. Those tenants who do pay rents withinside the US have a decrease percent as compared to the Australians who do pay their hire. They actually have a ee-e book it is referred to as "500 Ways to Rip Off Your Landlord and Never Pay Rent". This ee-e book expenses $19.ninety five. You are certainly withinside the location of huge commercial enterprise, I make cash and also you do not. A lot of those Americans do not pay their hire. That's how the commercial enterprise is - Americans do now no longer pay their hire! A lot of Australians bumped into those US homes with coins proceeding to refinance later and most effective to get their coins again via way of means of developing extra debt. The homes have been reasonably-priced whilst offered due to the fact you can not get financed. You will want to position all of your coins in there and ultimately deliver out your coins out. If ever the control has left you any cash, they may get it again from you via way of means of charging you all types of jobs that have been in no way even done, like a residence that has in no way been painted. That's how landlords are eaten alive. Also, right here's some thing really well worth understanding, the American roof most effective lasts for 12 years. Ever surprise why the suburbs blow over withinside the storm? That's due to the fact American homes do now no longer have any metal nor cement in them, that are crucial. American homes are product of timber and bricks at the outside. The bricks are not even thick sufficient to maintain up the residence. They are most effective slate fashion brick that is an inch wide. Unlike Australian family brick, round three-four inches wide. This can really maintain up the residence. For the American homes, the timber at the back of the brick face holds up the residence. So the brick is only a fascia plate. What takes place whilst a huge storm comes? It wipes out the complete suburbs of this American residence, certainly due to the fact there aren't anyt any bricks and no cement. What approximately the lavatories? Here's a revelation. They do now no longer have any water nor sink hollow for the water to head all of the manner down. The American lavatory flooring are simply product of plywood, preferred of 5 ply. I exalternate the toilet flooring each four years because it most effective expenses $ 300 - $four hundred...in case you do it your self. Yes, it's miles essential to exalternate the toilet flooring each 4 years, if you failed to understand. As stated earlier, the American lavatories do now no longer have any drainage hollow. So the water sits at the ground that is frequently carpeted. Eventually, it rots, it is why it's miles a need to to exalternate your lavatory flooring each 4 years. Another element you need to understand is that American sewer pipes are 2 inches, now no longer four inches. Expect to be solving blocked bathrooms each so frequently. In order to have it fixed, you'll want to name the Rotor Router man and pay $90. It is the usual manner of solving blocked bathrooms. Your tenants may be blacks, whites or Hispanics. A lot of Australians do now no longer recognize that after they purchase a reasonably-priced belongings, they do now no longer recognize in which they're shopping for those homes. What sort of community it has and such. The Hispanics are top notch. They really pay their hire even earlier than they feed their children. But did you understand that there's this expression referred to as, 'they are tough at the machinery', the Hispanics are honestly tough on a belongings. Perfect instance is, they use lard whilst cooking. Lard is fat. They pour this lard down your sink, which reasons the sink to get clogged. Which manner, that you'll want to name a Rotor Router man each 3 to 4 months. Or perhaps, your coping with agent may be the only to do that paintings for you. Making you spend extra due to the fact they needed to unplug all of your pipes.  I knew this one gents who lived withinside the Sydney suburb of Roseville. He offered fifty two reasonably-priced gadgets. What he failed to recognize become that it become fifty two gadgets of Hispanic residents. This guy ended up financially crippled due to the working prices of the Hispanics. The Hispanics, like to take a seat down withinside the again in their select out up vehicles and shoot their weapons on a Friday or Saturday night time, that is fine. They want to drink lots, and in a few of the States, there's no under the influence of alcohol using legal guidelines. So I might frequently dig a select out up truck out of my swimming pool complete of those under the influence of alcohol Hispanics who drove their select out up via my fence and directly into the swimming pool. What makes it tougher is, majority of those Hispanics do not communicate English at all. And it's miles costly to get tow vehicles at three withinside the morning. The unhappy element is, whilst Australians purchase a belongings in America, they suppose that it has the identical machine and set of requirements as it's miles in Australia. You ought to recall that America is a very special marketplace. They suppose, do and act matters differently. The carpets do now no longer ultimate lengthy, the paint does now no longer ultimate lengthy both. Although it's miles reasonably-priced to color and also you most effective want to spray the paint the usage of spray gun. Nobody makes use of brush anymore due to the fact spray gun is lots less difficult to apply and also you want to repaint after 2 years. Currently, I am helping a female who has a belongings in New York. Her agent positioned the belongings for $1.three million at the marketplace. Even to this day, I do now no longer suppose that her belongings is really well worth everywhere extra than $900,000 withinside the gift marketplace situation of americaA. This agent has produced a again pocket consumer who do not honestly exist. He might really record a person attempting to shop for the belongings, after which now no longer shopping for the belongings. There might be reviews that this residence does now no longer have tenants whilst in truth there was tenants in there for nine months already. The agent collects the cash and places it of their again wallet telling the owner, "I'm sorry, we can not get any tenants". When you do discover which you really have tenants for your homes, your control human beings will maintain telling you there isn't always and they will simply draw off the cash and you will maintain paying the value. The primary concept right here, deliberately or unintentionally, is to make you financially bleed. Until such time that making a decision to promote the belongings again. Surprisingly the control enterprise has a again seat consumer who will take pennies at the greenback. I actually have witnessed this incident such a lot of times. What approximately your lawns? What takes place in the event that they do not get mowed? Your the control enterprise does now no longer contend with this. They do now no longer prepare every body to mow lawns for the reason that metropolis goes to are available and mow the lawns for you. Simply due to the fact they've metropolis codes and ordinances which you want to make your private home appearance smooth and tidy. If you do now no longer make your private home appearance smooth, the metropolis will are available and make it appearance smooth and tidy, then you definitely get charged for $four hundred for having them do this for you. You aren't allowed to park your vehicle at the street, it is the guideline of thumb for maximum elements of America, due to the fact in case you do, you'll be charged any towing expenses. And you currently have a lien to the metropolis. If you're in Australia, you can now no longer discover approximately this due to the fact the awareness might be despatched for your American mailbox or maybe for your American belongings supervisor, that is the standard case. Your American belongings supervisor does now no longer pay it. He is going out of commercial enterprise or certainly destroys it. Since you do not know what is going on on, the metropolis sells your house from below you. The metropolis needs its cash again for its $four hundred lien, and could take your house to foreclosures or even promote you out. This is what you pay attention or watch on past due night time television, the metropolis tax lien sales. This is in which the metropolis owed cash on homes. Next element you understand, they may simply promote your house up and you'll simply discover that they both bought your house or they've condemned it. Your belongings has a burst pipe flooding hassle that is why the metropolis will condemn it. We had the identical difficulty in Dallas, Texas. That is a warm State and it certainly manner that you'll ought to continuously run the ones faucets. So at some point of the wintry weather, if I do not get all my piping blown out, there may be a big danger that my pipes will burst at some point of the wintry weather months. Then I actually have important flood damage. Another time period used for having the pipes blown out is winterizing. This leaves me  options, to have it winterized and value me, or ensure that my faucets are dripping and ensure that the residence is above sixty eight degrees- so as to additionally value me on air con and heating machine jogging 24/7. Oftentimes, you get it wrong. Your pipes will burst at the same time as you aren't round to repair and kind matters out. So the metropolis comes via way of means of, and condemns your house. They will condemn it via way of means of placing a big tape throughout the the front door. Worse is, the homeless human beings will circulate in and could smash whatever's left of it. They may even sue the metropolis in the event that they harm themselves in a metropolis condemned belongings which can also additionally cause having to get rid of your private home from the lot. They will depart you with what's referred to as a PAD. This has occurred lots withinside the United States withinside the early 90's. You can have not anything there however a cement pad. If you study the intense aspect, the cement pad is smooth and easy which will rebuild some other residence. This community is the crowd areas, the drug homes and the residence of prostitutes. Australians aren't used to this. There are some of gun wearing States in America. People both strung out on pills or get shot and those are the reasonably-priced homes that Aussies begin shopping for. If it is the case, maximum of those Hispanics, blacks and the individuals who stay on this community can not purchase it on the grounds that they do now no longer have the 50 grand to spend for this belongings. They can not borrow it due to the fact the loans do not exist. Only element left for them to do is to coins out. Whenever human beings speak approximately those gross yields in America, what they are saying is, this belongings is gross yielding 26%. But it's miles crucial to recall this is earlier than an quantity of your cash is taken out from repairs, maintenance, emptiness and different unexpected prices. My belongings, in which I used to stay, is 17.four % of each greenback in up maintain. It is certainly reasonably-priced to get elements for US homes. If you're withinside the US doing the entirety your self, it'd had been top notch. But in case you really stay abroad, and you've homes withinside the US, it is whilst it is a killer. What will drain you financially is the value exertions of getting a person to do the process at the same time as you aren't round. Another burden overseas landlords want to maintain in thoughts is the airfares, of flying from side to side to americaA, now no longer to say the remote places telecellsmartphone calls and the time difference, if you have to rise up at five:00 am in Australia simply to talk to anyone withinside the control office. Unfortunately, you do not get to talk to anyone, due to the fact anybody has voice mail. The truth which you can not communicate to a stay character drives you nuts. You can even be aware that your cheques may not arrive. That American banks may not cord cash to Australian banks until you've got got crammed out special felony documents. You have an entire bunch of greater office work from the brand new Patriots Act that Bush delivered in. This complete stack of office work will strain you out to the factor which you might certainly need to tug your cash out of americaA again to Australia. Up to now, I do now no longer understand any Australian who made a benefit from shopping for and protecting a belongings withinside the US. But human beings nevertheless name me, individuals who offered homes withinside the US searching ahead to getting a huge profit. Fact is, that day can also additionally or can also additionally in no way come. However, in case you do stay withinside the United States, you'll simply benefit from it. You will earn lots from shopping for and buying and selling homes withinside the US, certainly due to the fact Americans neglect about approximately equity. For them, actual property isn't always an funding car however a customer item, that as quickly as they're completed with it, they could depart and circulate on. If you're withinside the US, you may witness this your self. The Americans will understand that Aussies have now no longer left for Atlantis to stay there, they may recognize that you could display up the following day with a double barrel shotgun, disturbing to get again your cash, so that you could make profits - BUT, this is most effective in case you are bodily there. We can take gain of numerous conditions whilst we're there withinside the US. I made numerous cash after I become shopping for, promoting, buying and selling homes. But we ought to recognize how actual property buying and selling works withinside the US. My goal of writing approximately this nowadays is to apprehend  vital matters. We can also additionally communicate the identical language because the American, however our philosophy approximately commercial enterprise is definitely special-that is, 'they win and I lose'. Majority of Australians who invested in homes withinside the US do now no longer undergo this with out felony battles. In americaA, human beings sue every different. This isn't always approximately simply winning, it is approximately making the alternative man bleed and dry. Whoever offers up first will comply to what the alternative celebration needs. This is the painful fact of actual property commercial enterprise withinside the US. I've visible numerous Australians pass into that enterprise withinside the US marketplace, and could ultimately come again broke, tired and stressed. They do now no longer get whatever close to their returns at all. And yes, your cheques will mysteriously wander off withinside the mail. My final message is, spare your self from this painful experience. If you need to earn cash, you could earn it right here, for your personal backyard, while not having to shop for any airline ticket, handling US corporations, studying and expertise a special country's machine and manner of doing commercial enterprise-the tough manner. Yes, we do communicate the identical language as them, however they do now no longer do commercial enterprise the manner we do. It can also additionally sound attractive and horny to mention that I'm off to peer my residence in Florida, however there are extra negatives than positives on this experience. Find the identical possibilities right here in Australia. When you notice US figures for yield returns, discover what the internet yields and figures of the internet return. Consider the repairs, maintenance, emptiness and different unexpected prices as a way to come your manner. Brace your self from disappointments. Don't say I failed to warn you. This might be your manner of understanding and seeing what homes withinside the US can do to the investor.

[ciliencapital]

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Profit Opportunities and expected cash flow- It is expected cash flow from rental income, increase in basic value because of long term price rise, profit of depreciation (tax benefits), analysis of cost-benefit of renovation before purchase to get the best price.

Be Careful with Leverage- Loans are suitable but can be of big cost because it needs more amount so that it has higher exposures. It will give you more profit if you understand it properly. And always be conscious about the term and condition.

Investment in Existing Establishments or new construction- New construction properties offer the attractive price, clearly documented facilities and the choice of customization. So, investor has to communicate only with the construction company.

There are some risks also with new construction such as Best Private Equity Firms like an increase in price, no information about the neighbour. So always check past projects.

If the above points are kept in mind for Apartment Investing it will allow investors to earn the benefits. Management and estimation of risk is an important part to get success in real estate investment policy. Risk may occur at every stage of the Private Equity Firm Near Me forprocedure in different ways.

[just-come-baek]

force of attraction

Pairing: Taehyung x Reader

Themes: smut | ghostbusters!au | ex lovers!au

Word count: 14.1k

Summary: Taehyung is a brilliant nut job, and along with Hoseok and Jin, these scaredy-cats, we bust ghost.

Warnings: a bit jealous and slightly possessive Taehyung, mentions of ghosts but not in a scary way, humor sprinkled with lame retorts, unprotected sex, literally a single smack, oral!receiving

Glossary: P.K.E. meter – a device designed specifically to locate Psychokinetic Energy in an area. CDI System – a way to set categories to types of supernatural phenomenon. Proton Pack – a weapon used to attack and confine ghosts.

Masterlist

“You wished to see us, dean?” Taehyung asked as he plopped down in the chair in front of the dean’s desk, his legs up on the top of the mahogany wooden surface, Jin and Hoseok trailing behind him, yet not daring to display such nonchalant and rude behavior toward their employer. Unlike Taehyung, they knew how to respect their boss. If it came to rules and regulations or even proper work etiquette, Taehyung perceived it more like clues, and not exactly like principles.

“Yeah, thanks for arriving at such short notice,” dean started, as he put down his fancy fountain pen, and entwined his fingers, staring at the doctors in front of him, “I am very sorry to announce that, but the university no longer can fund your scientific activities. The faculty council has decided to shut down your department, and move the funds over to the faculty of medicine.”

“Nah, you can’t be serious, Namjoon,” Taehyung spoke with the audacity to address the dean by his first name. “You can’t do this, not now, not when we’ve almost finished the prototype of the Proton Pack! It’s gonna be a breakthrough in our field. You can’t cancel our funds.”

“It doesn’t matter, you don’t have students, and we’re adjusting the programme to our students’ interests. You have no attendance.” Dean announced, and Hoseok and Jin exchanged meaningful glances.

“Recently, the attendance is remarkably high, sir,” Hoseok answered with utter respect, grinning sheepishly only for his smile to fade away as soon as Namjoon shot him a doubtful glare. As the dean, he knew the statistics, and he wasn’t the one to be fooled. Particularly not by these nut jobs. “My last lecture on cannibalistic rites of ancient New Guinea tribesmen was viewed by two students. And I may proudly add, no one slept through it.”

“Believe me, Hoseok; I’ve heard about such an occurrence,” Namjoon admitted truthfully, and Hoseok beamed brightly at his superior, “however, because of your passionate lecture I’m dealing with a lawsuit, do you want to talk about that in great detail?”

“It’s not my fault that some students are weak wusses,” Hoseok commented under his breath, and smiled at Namjoon who tried to decipher Hoseok’s remark.

“Namjoon, listen, you don’t want to do this,” Taehyung started, as he changed his previous position, now leaning forward, resting his upper body on his elbow, staring at the dean as if trying to intimidate him. In vain, though. Taehyung had been working for the university for two years now, and at this point, Namjoon knew how to deal with him. “We’re two, maybe three days away from the biggest discovery of the century. You can’t just sack us!”

“It has already been decided, sorry, but my hands are tied,” Namjoon said, sounding as cold as an automatic secretary, as he arranged documents on his desk.

“We’re not gonna give up,” Taehyung threatened before he and his co-workers exited the dean’s office.

“What are we going to do now?” Jin asked, as soon as Taehyung closed the doors. Amongst the three of them, Jin was the one who handled the issue the worst; it was the very first time when he didn’t have everything under control. How could Taehyung and Hoseok be so fucking calm? Jin was a nervous wreck; his pulse was rapid, his hands shaking. Fifteen minutes ago, he was an academic teacher and a parapsychological researcher at a prestigious university, and now, he was an unemployed scientist with a useless diploma.

The parapsychological field was a bitch when it came to employment; either you’re a respected scientist or a looked-down-to diviner who struggles to get by every month.

“Don’t worry boys, everything will be alright,” Taehyung assured them, although no one, not even Taehyung himself, was convinced. “Maybe it’s about time to take matters into our own hands? The Proton Pack is almost ready; we don’t need the university’s money, only our big heads. How difficult can it be?”

“For you? Probably insurmountably,” Jin snorted as he remembered how many times during their college days Taehyung had failed economics. In any other field, Taehyung was a genius; however, when he had been about to take the economics exam, he had been daft as a brush. When he had been a student, he had mastered parapsychology, psychology, physics, metallurgy, and whatnot! Only economics had managed to beat him for some reason.

“Spare me the attitude,” Taehyung barked back, not even trying to disguise his annoyance. He was just a human being; human beings are famous for their imperfections, and Taehyung’s only flaw seemed to be the incapability to learn basics of the economy.

“I guess we can try,” Hoseok spoke, and Taehyung and Jin looked at him as if they just realized Hoseok was a part of the conversation as well. “We’ve just got fired. I mean… it can’t get any worse, right?” He added, and his friends just couldn’t disagree.

“Okay, but he,” Jin pointed at Taehyung, “can’t go anywhere near the management. Leave it all up to me,” he added, and everyone silently approved.

“I don’t think a mortgage was a good idea,” Hoseok commented, as the three of them exited the bank.

“Don’t worry, nowadays everybody has at least three credits,” Taehyung spoke with a shrug, his eyes focused on the screen of his phone, as he scrolled through property offers, seeking for the most suitable location for their new company. “Once we commercialize our services, you’ll pay it back in a blink of an eye.”

“With twenty percent of interest rate? I may not be an expert, but it’s a total rip-off!” Hoseok asked and looked at Jin, hoping he would back up Taehyung’s statement. Unfortunately, Jin didn’t seem nearly as optimistic as Taehyung.

“If my calculations are right, after two years the interest rate alone will cost you over a fifty thousand.” Jin quietly muttered to himself, yet Hoseok managed to catch what interested him the most. Why the hell had he agreed to that? Why had he listened to Taehyung? Nothing good ever happens when he does, so why this time should be any different? Not only had he been sacked, but right now, he had a bank credit with a high chance of being unable to pay it back.

Fantastic!

“Don’t listen to him, everything will be alright,” Taehyung added, as he stopped in his tracks in the middle of the pedestrian crossing. “Guys, I think I found us a place, it’s the firehouse like three blocks away from here. Should I call the real estate agent?” Taehyung announced, showing them the picture of the spacious place that would be undoubtedly perfect for them, undeniably large enough to accommodate all of their private stuff and allow them to run as many experiments as they wished.

“Isn’t it too soon?” Hoseok asked, yet Taehyung already walked away, dialing the number of the real estate agency. They had no time to waste; if they wished to have an income, they had to start working as soon as it was possible. Even Taehyung knew that, and his sense of business was quite limited (if not retarded).

“Nonsense,” Taehyung replied nonchalantly, as he strolled down the pavement. “Once we get the place, we’ll be needing a secretary and a car. Any volunteers?”

“I’ll take care of the process of recruitment,” Jin chipped in with a smile on his face, “what? It has always fascinated me how people react to problematical questions; it’s a fine opportunity to run a small experiment.”

“Okay, fine, just don’t be too weird, starting a business with a lawsuit is not quite promising,” Taehyung warned Jin as if it wasn’t the first time such a situation was about to occur. “So, Hoseok, why don’t you take care of a vehicle?”

“I’ll check if we can lease one, it will be cheaper,” Hoseok replied, and Taehyung nodded his head, although he had no clue what Hoseok meant by that.

“Then I think we’re all set,” Taehyung admitted, rubbing his hands together. They had lots of work ahead of them, and Taehyung just couldn’t wait to start working. Funnily enough, just right after they all had got sacked, he felt a newfound source of energy that he could only burn through hard work. The first breeze of freedom was so energizing and refreshing that Taehyung, although in the past hadn’t complained, finally felt alive, so at this point, he wondered why they hadn’t left the university sooner.

Apparently, the job hunt is a long and complicated process, my friend warned me. If you want somebody to reply to your application, you should at least send out twenty curriculum vitae, she preached, and I only rolled my eyes at her, brushing the pessimistic thought away.

Although I lacked experience being fresh off college, my qualifications weren’t that bad.

That’s precisely why I wasn’t that astonished when I got a reply the next morning, considering I had only applied for one position and at this point, it was about time to prove her wrong.

The aforementioned reply was short and simple; my potential employer wanted to meet up for an interview, writing down the address where I could find the company and the time when he was available for the meeting.

Three academic professors sought for a secretary slash accountant for their newfound business, and although the job proposition seemed as if they had no clue how to recruit employees, the monthly payment was quite handsome when compared to the other offers on the market.

Instead of thinking further, I opened the window to write a short reply in which I mentioned the estimated hour of my arrival and a note showing my gratitude for the chance they had given me.

The most challenging part of the recruitment was already behind me, and the job was almost mine. All I had to was to dress up and chill; going to the job interview fidgety was the worst thing a candidate could do. I was confident about my skills, and I wasn’t afraid to show my future boss the best side of my character.

Quickly, I ran around my studio apartment looking for my daintiest clothes. Whoever claimed the looks don’t matter during the job interview had to be a complete idiot; the first good impression is the key to success, and right now, I was determined to triumph.

By half past three in the afternoon I showed up. At first, I thought I was erroneous but then I checked the address for the second time, and there could be no mistake. The office was a part of the old firehouse, and I wondered how on Earth it hadn’t collapsed yet.

There was no doorbell–not a surprise!

I firmly knocked, but no one replied within two minutes, so I placed my hand on the knob and pushed the doors open since they weren’t locked. It wasn’t a surprise, either. The building looked like a ruin; even the worst burglar wouldn’t try to break into it.

“Hello? Is anyone here?” I hollered but my echo was the only reply I heard. Hesitantly, I entered the building, my eyes roaming around the hall. Dust covered every surface inside, a thick layer of grime lying on every item. “I’m here for the job interview!” I cleared my throat, speaking up a notch.

Just when I was about to turn around and leave, a man emerged from another room, a few binders in his hand, white, cotton coat thrown over his shoulders. Though he looked exhausted with huge bags under his eyes and messy hair, he was still incredibly handsome; he was tall and lean, and everything else a woman could want in a man.

“Who are you?” he asked, confused. Instantly, he turned to look at me, his eyebrow cocked up in a questioning manner, as he didn’t expect me here. “Wait, what time is it? Is it already three thirty? Oh shit, I’m sorry. I didn’t think you would come,” the guy spoke in a single breath, and I barely understood him. “I mean… hi, I’ve been expecting you,” he corrected himself, put the binders away and stretched his arm, offering me a handshake.

“Nice to meet you… Seokjin,” I smiled at him, as I read the nametag that was attached to his coat.

“Everybody calls me Jin, actually,” he announced, and I nodded in comprehension. “So you’re here for the job interview,” he trailed off, looking around the room as if seeking something. “Why don’t we sit there and you tell me why you want to work here, hmm?” he mentioned, showing me the way to the room which was also dirty but compared to the main hall, it was remotely cleaner.

“Of course,” I replied as I followed behind him.

Once we sat down, Jin placed his hands on a desk, entwining his fingers together, his eyes focused on my frame in front of him. With a gentle smile on his face, he studied my features almost as if he was going to recruit me based on my reactions and not my replies.

“So why do you want to work for us? Do you have any experience?” Jin asked, and I smiled at him, almost excited to answer his easy questions. Why do I want to have a job? Must be because I don’t like to live on the streets. Do I have any experience? Not really, but how difficult that job can be?

The moment when I was about to open my mouth and make up a reasonable response, someone came through the doors, making the both of us lose our focus. “Jin, I’m almost finished with the P.K.E. meter prototype. Can you have a look at it? I don’t understand why it shows 350 when I go upstairs.”

“Be careful with that!” Jin reprimanded the other guy, as he stood up and approached him, yanking the device out of the latter’s hands. “You know it’s fragile!” he added, and I bit my bottom lip, patiently waiting for them to finish so Jin and I could continue our interview. “Hmm… thanks, interesting, it looks fine. Have you run other tests?”

“Yeah, I looked around wearing Ecto-Goggles but in vain. Do you think we’re dealing with our first target here? What are the odds?” the man asked excitedly, finally realizing my presence. “Oh, I had no idea you had a guest.”

“We’re actually in the middle of the job interview,” Jin explained, and I nodded, confirming his words.

“Really? A job interview? But we had only one application,” the guy spoke, and Jin quickly elbowed his side to shut him up. Oh, so I was their only candidate… it was quite assuring. “I mean… I wish you luck on your job interview.”

“What was that about?” I asked pointing at the doors through which the intruder walked out.

“It was Hoseok, but don’t worry that pretty head of yours. Everything is alright; it’s just a small bump in the road, no biggie.” Jin explained, and although he tried to look sincere, I wasn’t buying it.  He seemed stiff, and he was stamping his foot on the floor as if he wanted to dash out to help Hoseok whatever the problem was. “Okay, so where were we?” Jin asked as he already forgot what we had been talking about.

“I haven’t got a chance to say anything before he barged in,” I stated truthfully, and Jin sent me an apologetic look for being so unprofessional about the job interview. “But to answer your previous questions, no, I don’t have any experience but I’m a business graduate, and I can get my mind wrapped around everything you want me to. Picking up the phone, accountancy, you name it!”

“Okay, you’re hired!” Jin hollered enthusiastically, “be here tomorrow by four o’clock. I’ll acquaint you with everything. I better go help Hoseok before he blows the whole place up.”

“You wanted to see me?” my friend asked as she walked inside of my studio apartment. “Oh, what’s the occasion?” she inquired with a cocked eyebrow the moment she noticed a bottle of cheap champagne in my hands.

“What can I say? I got the job,” I announced calmly, smiling at her in a victory. “In your face!” I screamed, fighting with the bottle, striving to open it.

“Really? I’m so happy for you,” Jennie cheered before she hugged me. “Okay, so tell me everything,” she urged as we sat down on the couch, pouring the champagne to slim glasses. “What is your boss like? Is he handsome?”

“Well… I don’t exactly know who’s the boss but I met two guys, and the both of them were ridiculously good-looking. The one who I had the job interview with was so my style; he was lean, and his shoulders were so broad. The other one was also attractive, he had such a warm smile, and I bet it can cure diseases!”

“Oh wow,” Jennie mused, downing her glass in one go, “but you’re not gonna date any of them, right? I mean… they’re your bosses; it’s kinda inappropriate.”

“I know, don’t worry,” I quickly agreed with her. Dating superiors or even co-workers wasn’t really my style. I had always thought that nothing good could stem from mixing private and business lives, so dating either of whom was obviously out of the question. “It’s not the way I roll anyway.”

“Yeah, I know,” Jennie nodded in understanding, “and now, tell me what their company does; their ad was pretty vague if you ask me.”

“Hmm… they are just as disorganized as the ad they posted online,” I stated truthfully, remembering the small incident which had happened during the job interview. “If they want to start making money, they really need my help.”

“That’s what happens when you start to run a business without knowing how to do that,” she commented, and I nodded in agreement. Having seen them, I knew that Jin and Hoseok had no clue how to wrap their minds around their business. Thankfully, they hired me, and I could show them how it’s done.

“Yeah, I’ll teach them a thing or two, but as for now, let’s celebrate!” I spoke as I refilled our glasses with more champagne. My shift didn’t start until four o’clock anyway.

As soon as I walked through the doors, I was met by Jin and Hoseok who were wearing worried expressions on their faces. “Hello?” I asked hesitantly and only smiled at me almost as if they were relieved about something.

“Hi, how are you feeling?” Jin asked me right away, while Hoseok stared at me, analyzing even the tiniest change in my behavior. “Have you been feeling nauseous or dizzy?” I shook my head firmly. “Or have you witnessed sudden changes in temperature or anything out of the ordinary?”

“No?” I answered unsurely, as I scrutinized their facial expressions with squinted eyes. What the hell was that about? Had they done something to me without me knowing? “Why?”

“Hmm… you see, we’ve been studying psychokinetic energy, and yesterday Hoseok discovered a faint trail of spook here but when he double-checked it was gone. And since psychokinetic energy doesn’t just disappear, we assumed it followed you.” Jin explained, but truthfully I didn’t understand anything what he tried to tell me. What psychokinetic energy?

“Okay… and now explain it to me, so I could comprehend it,” I asked, and Hoseok sighed.

“Jin is trying to say that there could be a ghost that right now is somehow attached to you,” Hoseok spoke, and the color of my face changed to a lighter shade even though I wasn’t the one to believe in ghosts. “And that’s weird because ghosts usually get attached to objects and not people.”

“What is it? Is it some kind of test that you want me to pass before you hire me because, trust me, it’s not funny.” I replied, not letting them fool me.

“Unfortunately not,” Jin spoke with a guilty smile, “do you mind if we run a couple control tests before we proceed with the initiation process? You know, just to be sure there isn’t any supernatural creature feeding off you.”

“And before you say anything,” Hoseok interjected, “ghosts are real.”

“Yeah, that’s true, and we’re literally this close to proving it to the rest of the world,” Jin added matter-of-factly, and I rolled my eyes, still unconvinced. “We’re like two days away from the breakthrough of the century.”

“I’m still skeptical about it, but I guess you can run a couple of tests if they’re not painful,” I replied, wanting to get this over with the quickest it was possible. Frankly, they were as freaky as they were good-looking, and I wouldn’t be surprised if they rejected my candidature because I refused to get examined.

“Oh no, they aren’t painful,” Hoseok reassured me, and Jin led me into another room where a lot of strange objects were scattered all over the wide wooden table. “Don’t worry it’ll take thirty minutes tops.”

“Yeah, and in the meantime, I’ll explain what we do here,” Jin added as he placed a helmet on my head. It was light and made of a thousand wires.

“I’m all ears,” I sighed, as I stole a glimpse of their computer that flared with colorful lights. Was it a good thing that it kept blinking like that?

“Okay, so we’re all parapsychology doctors, and a few days ago, our dean canceled our funds.” Jin started, and I nodded, registering the new information. I would never peg them for geniuses. “We’ve done some remarkable work regarding psychokinetic and nuclear energy, and after we got sacked, we decided to finish the work by ourselves.”

“According to our math, we’re a few days away from the greatest discovery of the century. If we’re right, we can actually find ghosts and capture them!” Hoseok finished, as he glued something to my temples.

“Hmm… so that’s what you do when I’m away,” a third voice chimed in, and I recognized it right away. It was low and raspy, and it could make every woman weak. It had definitely worked on me back in my college days.

Taehyung.

Hesitantly, I turned around, a bit afraid to look into his chocolate brown eyes. It was sudden and accidental, and judging by Taehyung’s expression, it was too soon. I had got over him, but he still seemed to loathe me with every fiber of his existence.

“What is she doing here?” Taehyung asked, and Jin and Hoseok exchanged confused looks, as they had no idea what had happened between Taehyung and I. It was understandable, our past ‘relationship’ wasn’t something I would brag either.

“What do you mean?” Jin asked, scratching his temple, trying to determine why Taehyung hated me so much. “She’s gonna work with us. Hopefully, with her help, we’ll make some profit,” he added, and if only a stare could kill, the three of us would already get burnt to ashes.

“I don’t think it’s a good idea,” Taehyung complained, trying to disguise the real reason why he didn’t want me there. I couldn’t blame him, though. I’d probably do the same thing. “She doesn’t match our style.”

“It doesn’t really matter, she was the only candidate,” Jin spoke matter-of-factly, and Taehyung bit his bottom lip before he spun on his heel and walked away.

“What was that about?” Hoseok inquired, curious about mine history with Taehyung.

“I think it’s a topic for another conversation,” I answered, hoping they would understand that I didn’t want to talk about it now. Taehyung was still sensitive, and I didn’t want to anger him any further by conceding everything to Jin and Hoseok. “Are you done with the tests?” I asked, changing the subject.

“Yeah, I think we are,” Hoseok spoke, his eyes focused on the computer, as he read the data that was unreadable to me. “But I think one of us should check your apartment. The P.K.E. meter is reading very close to 303, and it can mean a ghost is trailing behind you. It’s better to be safe than sorry, am I right?”

“Okay, whatever,” I replied with a shrug, relieved that the examination was finally over. “So what are we going to do now? Can we draw a contract?”

“Naturally,” Jin smiled at me, probably glad that everything I had witnessed didn’t scare me away by now. Though it was a bit odd, people do worse for money. I was only working as a secretary for three nut jobs.

“Show her around, and I will be waiting here,” Hoseok added politely, eager to analyze every piece of information he had managed to collect from the examination.

“Do you want to tell us what has happened between you and our new secretary?” Hoseok asked casually, trying to make him talk.

“There isn’t much to talk about,” Taehyung shrugged, trying not to show any sign of anger which was evident nonetheless. “We were dating back in college, but it didn’t work out.”

“It doesn’t sound like it,” Hoseok commented, having a hunch that Taehyung wasn’t telling him the entire truth. However, he knew it wasn’t the right time to push him further. Taehyung would concede when he was ready, and Hoseok could wait a bit more. “Is she the reason why you avoided every economic subject you could?”

“Maybe,” he answered shortly, more than unwilling to have that conversation. “Hoseok, do we really need her here? I can do the secretary work until we find someone else, it can’t be that difficult,” he offered, but Hoseok firmly shook his head.

“Nah, she’s great,” he spoke casually, “besides she’s already involved. Yesterday, when she came for the job interview, I detected P.K.E. that was gone when she left. Right now, we have a theory the ghost got attached to her. One of us has to check her apartment; do you want to do that?”

“Why would I want to do that?” Taehyung spat, folding his arms across his chest.

“You could try to put your differences aside and make this cooperation work,” Hoseok proposed, hoping it was possible despite their history. “It looks like she has got over you, so why can’t you do the same, huh?”

“It’s not like that,” Taehyung trailed off, trying to choose right words to describe his feelings. “I am over her, but I still hate her for what she did.”

“Okay, I can check her apartment if you don’t want to.”

“I’ve never said that,” Taehyung remarked, and Hoseok smirked, raising the employment contract. “Just give me that, you and Jin must finish the Proton Pack anyway.”

It was seven o’clock when I heard loud knocking on my doors. Regardless of whom it was, undoubtedly deserved some nagging for waking me up at such unholy hour. Hoseok had warned me that one of them would pay me a visit, but I didn’t expect it to happen to at least noon.

Rubbing my eyes, I got up and lazily approached the doors.

“Oh, it’s you, I didn’t expect you to come,” I spoke when I opened the doors and saw Taehyung in front of me. He still looked handsome, but definitely more mature than I remembered him.

“I always show up when there is a damsel in distress,” he said nonchalantly, as he waltzed into my apartment, not even waiting for me to invite him inside. Confidently, he strolled around the room, studying the interior. “Hmm… you haven’t changed that much. You’ve always hated tidying,” he chimed in, as he looked around my apartment.

“You haven’t changed, either. Barging in here like you own the place,” I snickered, as I folded my arms across my chest, leaning against the doorframe, watching his every move. “And though it’s too early to argue; who’s a damsel in distress? It’s obviously not me. I don’t need your saving.” I carried on, but Taehyung ignored me, not even humming in response. “I’ve already told Jin that no paranormal activity was present here.”

“You may want to take that back, sweetheart,” Taehyung said cockily, as he pulled out that blinking device and started to roam around the apartment. “You won’t be saying that when a ghost tries to eat that cute butt of yours,” he added, and I just rolled my eyes at his stupid remark; he had always loved my butt. “Hmm… it seems that Hoseok and Jin were right after all. I think you’ve got yourself a class V ghost over here.”

“Doubt it. Don’t you think I’d know if there was a ghost at my place, huh?” I replied, still not convinced. “Seriously, you guys have to chill,” I added, thinking they would drop the topic if I repeated it a couple of times more.

“Do you think we’re joking?” Taehyung asked rhetorically, and I once again rolled my eyes because it was impossible to reason with him. “We don’t. Class V ghosts are very hard to get rid of, and as long as we haven’t finished the Proton Pack, we can’t help you. It would be the best if you could stay at our HQ. We could prepare a room in which you could stay. Don’t get me wrong but if the ghost got attached to you, it could as well get attached to someone else.”

“So you’re trying to tell me that ghosts are something like paranormal STDs? Sorry, but I’m not buying that, Taehyung.” I concluded, and Taehyung didn’t seem the tiniest bit amused by my reasoning. “Thanks for your concern, but I think I’ll just stay here,” I repeated myself, and Taehyung pinched the bridge of his nose, almost as if he tried to refrain himself from snapping.

“Can you stop being so stubborn for once and listen to me? I’m serious,” Taehyung spoke in a raised voice, as he looked at me. His stare was intense, drilling holes in my head. Damn, he really meant that. “Have you noticed anything strange?”

“Define strange.”

“Well… anything out of the ordinary.” Taehyung stated vaguely, and I didn’t say anything, waiting for him to elaborate. “Hmm… that could be, for example, sudden surges of cold, extraordinary cravings, unwanted sinister presence, moving or levitating objects, strange odor, unexplainable electricity cuts, or anything of sorts?”

“Hmm… you’re the only unwanted sinister presence here,” I retorted, but once again he didn’t find it funny. “Sorry,” I apologized when my laughter died down a bit, “but seriously; nothing strange is happening here.”

“Then how are you going to explain this?” Taehyung spoke angrily, as he shoved the blinking device right in front of my face. “The P.K.E. meter is going crazy!”

“Okay, fine, I guess I can stay at Jennie’s for a few days,” I mumbled, being mad at myself for giving in; they were probably having the time of their lives seeing me comply with their crazy request. “For your peace of mind, not because I believe you.”

“You’ll thanks us later,” Taehyung admitted confidently, smirking at me.

“Once again, doubt it,” I repeated myself, hoping that my statement would brush that cocky smirk off his beautiful face. Unfortunately, none of this happened, his stance was still as nonchalant and confident.

“So… you’re seeing anybody?” Taehyung asked casually and plopped down on the couch, turning his head sideways as if he tried to spot any sign of man presence.

“I don’t see how any of it is your business,” I smiled warmly, trying to be as polite as I could master. It was a sensitive topic to me, and frankly, Taehyung was the last person I wanted to discuss that with.

“It’s called a friendly chit-chat,” Taehyung explained, and I rolled my eyes. “So… have you already found your Mr. Right?”

“You’re being a dick right now,” I said instead of answering his question. Despite our history, he was my boss now, and that kind of inquiry was inappropriate and should remain unanswered.

Unexpectedly, guys happened to be right about the ghost issue at my apartment; three days after Taehyung’s visit they showed up with ready Proton Packs, or whatever they call it, and got rid of the unwanted creature. Of course, I insisted on accompanying them, and they unwillingly complied with my request. I was glad they did because when I saw the ghost with my own eyes, I realized how thick-skinned I was to disbelieve them.

However, the fact that I believed them didn’t change much, as people still deceived us as con-artists. The first month was rough although I busted my ass off building the company image. They’re brilliant people, but they had no idea how to run a business.

Within that month I got promoted from the secretary position to being their full-time manager who also had one-fourth of the company shares, and since the business was partially mine, I couldn’t let it sink before it even got to sail.

Thanks to my knowledge and connections, I had almost got everything covered: an official website, local advertisement channels, and even the uniforms. None of these helped as much as our first task which happened to be a turning point for the business.

A famous four-star hotel’s manager called us saying they had an issue in the restaurant zone. Our reaction was fast; within an hour guys packed their equipment and drove there, wanting to examine the situation.

After successfully busting the ghost, our business bloomed.

“I got a call from Australia; they’re holding a seminar, and they want you to give a lecture on your recent development,” I told Jin as soon as he slid down the fire pole. “Are you going to participate or not?”

“You’re for real?” Jin asked, as he brushed the dust off his coat and approached my desk. Smiling, I nodded, and Jin looked at the counter as if trying to see the papers, making sure I wasn’t pulling a prank on him. “But if we go, then who will take care of the city? We get more calls every day.”

“We can split,” I proposed, and Jin glanced at me curiously. “You can teach me how to use the gear, and I will stay behind with someone, or I can go to Australia with one of you. I’m a part of the team, after all.”

“Hmm… I don’t know… it’s gonna be difficult to convince them to stay behind because I’m certainly going.” Jin spoke, and I giggled at his honest response. I couldn’t blame him, though. How could one reject a free Australia trip offer?

“Discuss it with the guys, and let me know what you’ve come up with,” I replied sincerely, as I gazed at Jin. I admit it’d be great to go on a free trip. However, I wasn’t going to intrude if they wanted to go. After all, the scientists from all over the world wanted to meet with them because of their breakthrough in the parapsychological field.

“What are you two plotting?” Taehyung walked inside through the main doors, catching me and Jin off guard. Immediately, Jin leaned back, and spun on his heel, greeting Taehyung with a broad smile which he often used when he did something he shouldn’t have. It was strange because we didn’t do anything inappropriate.

“Nothing,” Jin answered dismissively and smiled at me, letting Taehyung know right away that we were up to something. “We were just talking, but I have a surprise for you and Hoseok,” he announced, and Taehyung cocked his eyebrow suspiciously.

“What’s going on?”

“I’ll explain everything later.”

“Okay, so tell us…what happened between you and Taehyung?” Hoseok asked straightforwardly, taking advantage of Taehyung’s absence. Taehyung was out to take care of some business that none of us dared to question, while the three of us was sitting around the table, unpacking the Styrofoam boxes full of palatable, steaming, Italian food.

“Yeah, what exactly happened? Taehyung mentioned that you two were dating, but he didn’t go into details.” Jin added matter-of-factly, as he distributed the napkins and plastic cutlery among us. “So…do you mind to elaborate?”

“There’s nothing to tell,” I stated casually, being focused on the box in front of me, my mouth watering when the delicious smell hit my nostrils. “We fooled around in college, but I wouldn’t call it dating. We were more like friends with benefits rather than lovers.”

“And I’m assuming you were the one to break things off. Am I right?” Jin guessed, and I heaved a sigh since the matter was much more difficult. It was safe to say that the blame had been lying on both sides of the conflict.

“You seem way cooler than Taehyung about it, so you had to be the one to break up with him.” Hoseok agreed with Jin, giving him a high-five.

“We weren’t an item, so it’s quite difficult to talk about a break-up.” I started before I stuffed my mouth with food. “I was going abroad for one semester, and Taehyung wasn’t happy about it. He didn’t want me to go, but I didn’t listen to him. And when I returned Taehyung had already graduated, so we never had a chance to talk about it. I thought he’s moved on, but apparently, I was wrong.”

My sincere confession got them speechless; neither of whom knew how to react to it, and I couldn’t blame them for the awkwardness that stemmed from it.

“Okay, so changing the subject; have you guys figured out what you want to do about that seminar? As far as I recall, I have to give them a reply by next Friday.” I said, knowing that it was the only way to dodge the unpleasant topic.

“You have no idea how much we fought about it,” Hoseok started with a cheeky smile, stabbing his food with a plastic knife, being probably already full.

“But we’ve come to an agreement,” Jin continued, pushing his half-empty box aside, giving me his undivided attention. “Generally, all of us want to go, and among of us Taehyung is the best public speaker,” Jin announced, and I nodded, understanding their way of thinking.

“But then again, he doesn’t trust either one of us to stay here with you alone,” Hoseok interjected, making me roll my eyes. It’s so typical of Taehyung; getting jealous without any cogent reason to. “Whatever that means.”

“Yeah, and furthermore, he doesn’t want to train you saying it would be too dangerous for you to deal with all the equipment which is complete bullshit because it’s not that difficult.”

“Jin’s right; you have to remember five ground rules and everything should be fine,” Hoseok added, backing up Jin’s statement. “I have no idea what’s happening under Taehyung’s skull, but I’ve never seen him being so overprotective.”

“Okay, stop. You’re confusing me. Can you just tell me who is going and who is staying here?” I asked, growing annoyed, as they didn’t let me get a word in the edgeways.

“Hoseok and I are going, but don’t worry; we’re gonna bring you a lot of gifts.” Jin declared quickly, and I sighed in relief. Drowning in uncertainty was the worst option; I’d rather know now, so I could mentally brace myself to spend the weekend with Taehyung.

“Actually, we already have a gift for you, just finish your dinner,” Hoseok added enthusiastically, smiling at me in a way that if I didn’t know him, I’d consider creepy.

“I think I’m done,” I quickly replied, as I pushed my box aside. I was already full, and I didn’t want to force myself to finish it, although it was absolutely delectable. I’d probably heat it up for supper. “Where is my gift?” I inquired when I wiped my mouth.

“She’s gonna love it,” Jin said casually, and Hoseok nodded his head, agreeing with the former. At this point, I had no idea what they were getting me, and I wasn’t sure whether I should be ecstatic or terrified.

“Just wait here, I’ll get it,” Hoseok proposed, and marched out of the room.

“What is it?” I questioned further in anticipation; it had to be something special if they were so excited about my reaction. Unfortunately, Jin’s lips were sealed, and no matter what I tried to open them, they remained airtight, spilling no secrets. “You’re no fun.”

“Oh, shut up!” Jin whined loudly, and I giggled because the look on his face was priceless.

Before I managed to anger Jin any further, Hoseok returned with a medium-sized, pink box in his hands. Now, I was intrigued. It definitely wasn’t an envelope with a plane ticket.

Carefully, Hoseok placed the box on my lap, urging me to unwrap the present, “come on, open up!” Smiling, they stared at me, almost giving me chills.

Slowly, I untied the ribbon, whereas Hoseok tapped his foot impatiently.

“Jesus Christ, hurry up,” Jin chipped in, prompting me to hasten.

Shaking my head, I opened the box and looked inside, its content getting me speechless. It was one of the Ghostbusters uniforms, only one shade more pink with my name written on the badge with silver and hot pink threads. I knew they considered me a part of the team, but right now, I was holding the evidence of membership in my hands.

“Guys, I love it,” I admitted from the bottom of my heart before I jumped off the chair and hugged them tightly. “Do you want me to try it on?” I asked once I broke the embrace.

“Naturally, but don’t be too eager, we also have a Proton Pack for you, and that damn thing is pretty weighty,” Hoseok warned me, but I just shrugged; they run around with Proton Packs all the time, it couldn’t be that bad as they wanted me to believe.

“You’re officially one of us,” Jin stated matter-of-factly, as he ruffled my hair, making me glare at him. That’s going too far! We were friends, but touching my hair was way too much.

“Don’t fuck it up.” Hoseok threatened me with his finger, sounding like a completely different person. “Taehyung is gonna kill us if anything happens to you.”

“If you know how to operate the machines, it’s obvious I can do that, too.” I snickered playfully, and Jin and Hoseok frowned, not finding it the tiniest bit funny.

The next day after Jin and Hoseok’s departure was peaceful compared to our standards; we only had three customers, while typically we were handling at least half a dozen. The first mission wasn’t scheduled until 4 p.m., yet I decided to show up at the office a bit early in hopes of catching up with the paperwork.

As always, it was dull, but no one would do it for me, so I had to suck it up.

“Hmm…I didn’t expect you to be here so early,” a voice mused from behind my back, and I quickly turned around in shock. “Oh, have you forgotten to put on a skirt?” Taehyung sneered, as he glanced at me from head to toe.

“Excuse you, but my skirt is where it should be. It’s pretty modest if you ask me.” I couldn’t let his comments get to me. At this point, I could consider his snarky remarks as sexual harassment; we were in the confines of work, and there was an ethic that he ought to follow. “And what are you doing here? I thought I wouldn’t see you until the first appointment.”

“You seriously think I’m gonna let you out there without proper training?!” Taehyung gasped, and I rolled my eyes. Jin and Hoseok had already shown me what I should know, so Taehyung’s additional guidance was superfluous. “You’re not leaving the firehouse until I tell you, you’re ready,” he added, as he took a few, slow steps towards me.

“Why are you doing this?” I inquired quietly, and Taehyung just smirked at me, as if he was surprised that I didn’t know his motive.

“Isn’t it obvious? I care about you; I don’t want you to get hurt.” Taehyung spoke in a firm tone, so unlike him. His eyes gleamed with sincerity, making it unable to tear my gaze away. With one single look, he had me enchanted. Only a few sweet words came out of his mouth, and I held my breath, my heart skipping a beat.

Right now, when we were alone, and no one could disturb us, he didn’t act like a brat. I felt as if we were back in college, carefree and so saccharine. He no longer was a man who tried to make me feel bad about my past choices, but he actually cared about my well-being.

It was a delightful change after countless arguments we had over the previous month.

“What? You look like as if you’ve seen a ghost. Is my care so surprising?” Taehyung joked, and I almost burst out laughing at his lame pun. Thankfully, I refrained myself from doing so.

“As a matter of fact, yes.” Yesterday, he had acted as if he wished for my ass to get eaten by a ghost, so what was different today? “I thought you hated me.”

“I could never,” Taehyung quickly admitted, smiling sheepishly.

Okay, what the hell is happening?

His sudden confession got me speechless. I didn’t expect him to concede to me. Who the hell was he, and where did the real Taehyung go?

“Well…if that’s what you really feel, I gotta admit you’re sending mixed signals.” I spoke truthfully, making Taehyung roll his eyes on me. Perhaps, I was nitpicking, but Taehyung was unbearable for the past month, and I couldn’t let it slide after a couple of sweet words. No, I remembered how coldly he had treated me, and if he wanted me to change my mind about him, he had to work hard for it.

“I admit I have never been good at romance,” said Taehyung, and I giggled when his words rang in my ears. Was he serious? Did he just call it ‘romance’? What romance?

“You can’t be serious,” I replied, pinching the bridge of my nose. So what now? Did he want to start over? With me? It didn’t make any sense! We had never even been a couple! “Okay, let’s get back to some real problems. What do I have to do to convince you that I’m ready to be one of the Ghostbusters?”

“Stubborn as always,” Taehyung commented under his breath, as he strolled toward me, sitting at the edge of my desk, holding my dangling hand. His grip was gentle, his skin was smooth, and at first, I wanted to yank my hand back. He was trying to mess with my head, but I was ready to prove that he didn’t have the effect that had used to work on me. I was stronger and smarter, and he couldn’t charm me as easily.

“So what is it that I have to know?” I urged him, and he slowly looked into my eyes, biting his bottom lip, swaying our entwined hands from side to side.

Whatever he had in mind to use on me was bound to fail. Right now, I focused on my career, and boyfriend drama (if he even sought a relationship) was the least of my worries.

“Where should I begin?”

Having sat through a two-hour long lecture (which pretty much helped me realize why they had got fired from the university and doubled everything Jin and Hoseok had told me before their departure), Taehyung let me pick up the equipment what I did with a roll of my eyes. Taehyung thought I had no clue how to operate the gear, but he was wrong; Jin and Hoseok had already shown me everything that I should have known.

Hesitantly, Taehyung let me tag along with him.

First two assignments happened to be false alarms; we arrived, and then Taehyung diagnosed the situation with the P.K.E. meter and Ecto-Goggles. I was relieved our customers weren’t in danger, but on the other hand, we weren’t earning money, and we were barely making both ends meet with the regular service. (The diagnosis fee constituted about 5% of actual ghost-busting service, and we probably wouldn’t live off it.)

“Thank God, you’re finally here,” a middle-aged woman ran out of the building and threw herself in Taehyung’s arm like a damsel in distress, even though he didn’t perceive her as one. “I was so scared,” she added, as she rubbed her cheek against Taehyung’s chest. He didn’t seem pleased with her behavior, but he was too well-bred that he didn’t try to push her off him right away.

“Calm down, what’s going on?” Taehyung asked worriedly, as he placed his large hands on her shoulders, making her face him. She looked terrified. “Everything’s under control now, but you have to tell us what’s going on,” Taehyung explained, and looked at me, the woman only noticing my presence when she followed Taehyung’s gaze.

“There’s a ghost on the tenth floor!” She shouted, turning around, raising her arm, pointing at the hotel behind her. “I’ve seen it! It was green, and it almost ate the cleaning trolley!” Taehyung furrowed his eyebrows, and I knew that something was up.

“Okay, please, stay here, and we’ll look around,” Taehyung spoke calmly.

Having sighed, I walked inside right after Taehyung.

“What was that look about?” I inquired, once we were climbing the stairs. The elevator was out of order, and we had to take the stairs. The Proton Pack felt twice as heavy, almost making me fall backward.

“What look?” Without turning to me, Taehyung asked, pretending to be clueless. Did he forget that we’ve known each other inside out, and I could tell straight away that something was off? Maybe, he could fool that woman, but not me.

“Don’t play coy,” I stated, as I took a short break to catch my breath. “Is there something you’re not telling me?”

Abruptly, Taehyung stopped, and I was thankful that I wasn’t standing right behind him.

“It’s about what she said.” He started vaguely, and I didn’t say anything, waiting for him to elaborate. I knew how to use the equipment, but I had no idea how to identify the threat. Were we to deal with a powerful being? Was he scared? What was going on?

“And what did she say exactly?”

“I just have a bad feeling, okay?” Taehyung continued, though hesitantly. “But whatever happens there, I want you to stay behind, and leave everything to me. I can handle it myself.”

“Sure,” I replied, even when I didn’t really mean it. If Taehyung needed my help, I’d intervene in a heartbeat. It was foolish of him if he really thought I’d listen to him.

When we reached the tenth floor, my legs almost gave in under the gravity and the weight of the Proton Pack. I placed my hands on my knees and leaned in, trying to catch a breath. If we had to go any higher, I’d probably faint. Taehyung seemed in a better condition than I, but I still could hear him panting.

Pushing his fringe off his eyes, Taehyung pulled out the P.K.E. meter, and I looked at the device, trying to peek what kind of ghost we were to deal with.

“What does it mean?” I asked, when the P.K.E. meter showed 432, and I had no idea how to interpret the reading. Slowly, Taehyung turned toward me, his face a shade paler.

“It’s not as bad as it could get, but it could be easier,” Taehyung started, and I exhaled in relief. Before he spoke, I had no idea I was holding my breath. “We’re not dealing with a Biblical Proportions here, but I think it’s a class V apparition, and if there’s anything you should know, ghosts with a reading like this should not be easy to get rid of.”

“Okay…” I whispered, now doubting my qualifications. Not that I’d like to return to my desk and answer phone calls, but it would be better if my first real ghost-busting mission was simple.

“Get ready, the ghost can attack us anytime,” Taehyung mentioned, and I nodded my head, placing my hand on the Particle Thrower. “And remember what I’ve told you, never ever cross the streams.”

“How could I forget it? You guys use that line literally every day,” I muttered under my breath, and rolled my eyes, slightly lightening up the situation. Humor always works when there’s thick and uncomfortable tension, so why this time should be any different? “Maybe you should get it tattooed?”

“Ha-ha, very funny,” Taehyung laughed dryly, his eyes roaming around the corridor, being ready for the ghost to appear. Frankly, he looked handsome, so focused and professional.

“Can you tell me more about class V ghosts? Is it as bad as you make it look like?” I asked curiously, and Taehyung looked over his shoulder as if he was shocked I didn’t read Jin’s book about ghost classification system, CDI system for short.

“Maybe, you should wait in the car,” Taehyung stated, as he shook his head in disbelief that he actually let a newbie work with him. “I can handle it myself.”

“Don’t tell me if you don’t want to. Geez!” I retorted, and sighed, looking around, pretending I didn’t ask him that question. Maybe I should listen to him and let him do everything by himself if he really didn’t want my help.

“Class V ghosts are Ectoplasmic manifestations of definite but non-human form. They are formed from emotionally-charged events or as side effects from ritual summoning. And we need a shit tone of proton pack implementation to eradicate it.” Taehyung recited, and I nodded in comprehension, as I tried to remember as much information as I could.

“Do you hear that?” I asked when I heard a strange sound, familiar to chewing. The hotel’s owner had said that people had got evacuated, so what the hell was that?

“Stay back,” Taehyung mentioned before he moved forward, following the odd noise. Slowly, I copied his movements, the Particle Thrower in my grip. “Oh shit,” Taehyung cursed, as he looked around the corner, spotting the ghosts. Taehyung seemed scared, so I peeked, curiosity getting the better of me.

Behind the corner was a green, levitating ghost who was in the middle of its meal; with big, yellow teeth it was eating a cake, the chewed bites falling onto the ground, making the mess around it. Slowly, its fetor hit my nostrils, and I immediately covered my face in disgust.

“Ew! What the hell is that?” I asked, and Taehyung chuckled at my reaction.

“A ghost, really nasty one at that,” Taehyung mused, but I didn’t find it funny. “And apparently, it eats anything that’s not nailed down or on fire,” he added, when he took a glimpse of the green creature, which right now was consuming the metal tray where the cake used to be.

“Okay, so what’s the plan? A penny for your thoughts,” I questioned, waiting for him to explain our next move. We couldn’t just jump from behind the corner and shoot the ghost with the Particle Thrower.

Casually, Taehyung pulled out his phone and snapped a photo. Strangely enough, the ghost got caught on the snapshot, which was a rare occurrence. We stared attentively at the picture on Taehyung’s phone, not recognizing the moment when the ghost stopped chewing the cake. When I mentioned that fact, the green cloud of electrons, neutrons, and ectoplasm seeped through the wall and my body, leaving a very unpleasant taste on my tongue. The feeling was eerie, and I was on the verge of vomiting.

“Are you alright?” Taehyung asked me, although his eyes focused on the ghost behind me. I nodded my head, though it wasn’t an entire truth. “On the count of three, you’ll drop to your knees, okay?” He ordered as he reached for the Particle Thrower, ready to attack.

Slowly, Taehyung counted to three in a half-whisper, and I bent, sinking to my knees in front of Taehyung. When I was out of the stream range, Taehyung turned on the Proton Pack which immediately produced a bright, powerful stream of particles. He didn’t catch the ghost, though. It disappeared behind the wall.

“Get the Ghost Trap ready,” Taehyung mentioned, as he used the card key, and we entered the nearest room. “When I confine the ghost, you have to roll the trap under it, and stomp on the pedal, you got it?”

“Sure,” I confirmed, as I reached for the Ghost Trap.

“It’s fully charged, right?” Taehyung asked, and I nodded since I had made sure the battery was on 100% before we left the firehouse. Jin and Hoseok had told me the Ghost Trap could malfunction if not charged fully, and I wasn’t going to make that neophyte mistake. “And remember not to look into the trap. A glimpse can cause serious eye damage or even blindness, and we don’t want anything bad to happen to your pretty eyes.”

“Don’t worry, I know how to use it,” I replied, trying to ignore the weird compliment.

“Come out, Stinky!” Taehyung yelled as if he was some kind of ghosts-whisperer. “I have one delicious snack for you.” He shouted loudly to no one in particular, and I giggled, finding the scene happening in front of me ridiculous.

Taehyung and I exchanged glances, but he quickly ripped his gaze away when the similar fetor pervaded the room, boding the presence of a paranormal being. Once again, Taehyung turned on the Proton Pack, aiming at the source of the odor. Before the stream hit the ghost, the orange light burnt everything within its reach.

“What are you doing it? Catch him,” I urged Taehyung before he destroyed the room. The ghost was flying around the room, and he couldn’t capture him with the stream, looking like a newbie.

“I’m trying!” Taehyung defended himself, but I only rolled my eyes, and placed my hand on the Particle Thrower, wondering if I should help Taehyung. I was about to operate the Ghost Trap, but it’s pretty useless when the ghost’s on the loose.

Sighing, I pulled the Particle Thrower and aimed. For a brief second, Taehyung looked at me, fear visible in his eyes. He didn’t trust me with it, and I couldn’t blame him; it was a dangerous weapon, after all. Maybe it was reckless, but Taehyung wasn’t effective on his own, so I had to intervene.

When I pressed the button, the Proton-Gun generated raw nuclear energy which hit the ghost, making me stumble backward.

“What the fuck are you doing?!” Taehyung yelled at me when he turned off his Proton Pack. The consequence of crossing the streams is so great that he didn’t want to risk it, especially when such an inexperienced person as me was using it. “Turn it off!” he screamed, but I ignored him, since the ghost was already captured, almost nullified by now. He had to be joking.

“Get the Ghost Trap ready,” I mentioned, as I gently kicked it toward him. The ghost was trying to wiggle out of the lasso of a positronic ionized stream of proton energy, but I firmly clenched the Particle Thrower in my hands, using 100% of its power.

“This is the first and last time I let you tag along!” Taehyung shouted, but prepared the Ghost Trap nonetheless. Skillfully, he untangled the wires and rolled the small device toward the ghost. “When I turn it on you gotta shut the Proton Pack down, you got it?”

“Yep,” I nodded quickly.

“On the count of three,” Taehyung exclaimed, and I focused deeply, trying to synchronize with him. When the last syllable rolled off his tongue, I took my finger off the trigger. Panting, I stared at the ghost who was being slowly consumed by the electromagnetic field. “Don’t look into the trap!” He yelled, but I was too engrossed in the scene in front of me.

“What?” I asked, not tearing my gaze away. You could see the ghost getting drawn into the trap, piece by piece utilized inside the small Ecto Containment Unit.

“Don’t fucking look into the trap!” Taehyung yelled again, this time much louder, and when I didn’t listen to him right away, he yanked me toward him, letting me fall into his chest, as he placed his hand on the back of my head, pulling me closer, pressing me against his frame. “You must start listening. You could lose your sight.” Taehyung warmed me, but he didn’t sound mad. If anything, I detected care and relief.

“Sorry,” I spoke, when I looked up at him, admiring his face from up close. With his arms wrapped around me, I could feel warmth emitting from him. Being in his embrace felt comfortable and secure, and although we had never put much attention to none sexual type of affection, I realized how much we had missed out on. “I won’t do that again.”

“Of course, you don’t,” Taehyung replied coldly, taking a step backward as if he grasped our interaction was inappropriate. “It was the last time I brought you with me. Do you have any idea how reckless that was?”

“Sorry, I wasn’t thinking,” I admitted, and Taehyung rolled his eyes at me.

Taehyung was silent during our ride back to the headquarters; he was reading something on his phone, whereas I was listening to the news flash on the radio, maneuvering the vehicle. The night was tranquil; the sky was in a beautiful shade of navy, even a couple of stars seen over the horizon. The scenery was breathtaking, but I couldn’t enjoy it as much as I wished since the recent dispute with Taehyung kept surfacing when I tried to focus on something, anything else.

When I stopped upon seeing the red light, my phone rang. Quickly, I reached into the glove compartment and pulled out the Bluetooth earpiece, putting it into my right ear.

“Hello?” I asked as soon as I answered the call. On the other end of the line, I heard a lot of background noise before Jin’s soft voice greeted me excitedly. “Oh, hi, what’s up?” I inquired, wondering what he wanted from me. If I were on a seminar abroad, calling home would be the last position on my priorities’ list.

“I’m just checking up on you,” Jin casually stated, and I smiled at the thought of Jin and Hoseok calling me to find out if Taehyung and I had already jumped at each other’s throats. “How is work with Taehyung? Is he a pain in the ass?”

“Hmm…I’d say bearable,” I replied unsurely. Taehyung had been nice, but then I had done something he hadn’t wanted me to, and then everything had gone downhill. I could use Jin to vent about Taehyung, but they were on a trip, and I couldn’t ruin it for them. “And what about you? Are you having fun?” I asked, changing the subject. Our conversation would be way more enjoyable if we changed the direction it was going; I’d much rather discuss their trip than another round of a passionate dispute between Taehyung and I.

“It’s a paradise. You can check out Hoseok’s Instagram updates. It’s nothing compared to the real feel, though. I wished you were here with us.” Jin simply said, and I smiled again, imagining what I’m missing out on.

“I wished I was with you, too,” I confessed genuinely, realizing that Taehyung’s eyes were on me, as he tried to decipher whom I was talking to. “But it’s okay; we’ll have more opportunities in the future, right?”

“Obviously,” Jin agreed swiftly, “we’re handing out our business cards just like you told us to. I think we’ll soon make it big.” He added, and I smiled brightly, not even trying to disguise how proud I was. “I gotta go now. Hoseok’s coming with our drinks. Talk to you later.”

“Don’t have too much fun without me.” I chimed in playfully, “and try not to miss me.”

“Who was that?” Taehyung asked, as soon as I hung up. Hesitantly, I looked at him upon seeing his upset cast.

“Jin, obviously. Who else?” I spoke, rolling my eyes. “He wanted to say hi, that’s all. Why?”

“Are you two screwing?” Taehyung accused, and I chucked. How the hell did he come up with it? It was a casual conversation without even a slimmer of flirtation, so it was bizarre how he read into that. I shook my head in denial, but Taehyung didn’t seem convinced. “It didn’t sound like it.”

“I mean…Jin’s handsome, I agree. Don’t worry, I know better than dating my co-workers. It’s strictly business,” I explained, but once again, Taehyung didn’t seem pleased with my response. “We’re friends, of course, but nothing more.”

Taehyung didn’t reply. He just nodded in acknowledgment and looked away, focusing on his phone again. Whatever he was seeking, it was more important than telling me why he had thrown all his accusations toward me. I wasn’t dating Jin, but it was none of his business, so why bothered asking?

Thankfully, we were almost on our driveway. I couldn’t wait to exit the car, change out of the Ghostbusters uniform and come back home. I had spent way too much time with Taehyung today, and I wished I could relax somewhere far away from him.

Taehyung was the first one to get out of the vehicle, and I followed right behind him.

“Thank you, Tae,” I spoke, and Taehyung stopped in his trucks, yet not turning around to face me. Maybe it’d be easier for me to admit to my fault if I didn’t have to look into his sharp eyes. “I know you told me not to look, and I’m sorry for ignoring your warnings. You said it’s my last mission, and I’m gonna respect your decision. Today was fun by the way.” I voiced my thoughts from the bottom of my heart, and I hoped Taehyung could feel the genuineness in my words.

Once again, Taehyung remained silent, completely ignoring my veracity. I couldn’t blame him; he was still mad at me, and a couple of kind words didn’t have the power to outweigh the consequences of my previous actions. He felt wronged, and if I were in his shoes, I wouldn’t get over it so quickly, either.

Slowly, I strolled toward him.

“I have no idea what could happen to me if we crossed the streams or stared longer into the trap, but I’m glad you kept me safe,” I added with a bittersweet smile on my face. Taehyung hated me, yet he had proven to be a bigger person who helped me notwithstanding our past discord.

Taehyung turned around, staring down at me. He didn’t say a word, yet his eyes were drilling holes in mine, the conveyed message as lucid. Right now, his anger was agitated with ease and solicitude.

“I’m truly thankful,” I mentioned honestly, smiling weakly at him. In the heat of the moment, I got on my toes, leaning to place a chaste peck on his lips. The kiss lasted a second tops, and when I pulled back, Taehyung grabbed my arm and yanked me back.

“You can’t walk away after what you’ve just done,” Taehyung spoke quietly, his eyes sparkling, searching mine. “You’re annoying, reckless, and irresponsible. Do you know that?” He added, and when I opened my mouth to answer his rhetorical question, he beat me to it, pressing his soft lips against mine, initiating another simple kiss.

We shouldn’t be doing it, but when his lips were on mine, and his hands holding me close, I couldn’t think straight, let alone push him away. His body emitted the familiar warmth, and with each passing second, I was becoming cozier and cozier.

Gradually, he tilted his head to the side, deepening the kiss, sucking on my bottom lip excitedly until I let out a hushed moan. It had been a while since I made out with anyone, and God, how much had I missed affection. And the fact of Taehyung being an excellent kisser didn’t help my situation, at all.

I ought to have fought with the temptation, but after a minute in Taehyung’s arms, I didn’t even want to. Despite the loud protests of my consciousness, I gave into the fascination, as I wrapped my arms around his neck, pulling him closer. It didn’t make any sense, but I craved his intimacy.

“Did you mean it?” Taehyung asked as he withdrew a couple of centimeters to voice his doubts. His breath tickled my wet lips, as he waited for my reply. “You know…about dating your co-workers.”

“Yes,” I admitted, and when my response rang in his ears, Taehyung quickly dropped his hands, which were holding my cheeks. With a disappointed sigh, he looked down at his feet. “I’ve never treated you like a co-worker, though,” I stated firmly, entwining my fingers with his. “You’ve always been something more, Taehyung,” I confessed, and Taehyung immediately lit up, smashing his lips against mine, his hands landing on my bottom, as he jerked me toward him.

“That’s all I need to know,” Taehyung whispered, barely lifting his lips off of mine. “Baby, I missed you so much,” he confessed, as he squeezed my left ass-cheek playfully. “It was a torture to see you every day and being unable to do anything.”

“Shut the hell up,” I murmured with a wide smile on my face, as I brushed my nose against his fondly before I sealed our lips together in a gentle, synchronized smooch. “Haven’t you heard that actions speak louder than words?” I remarked, rubbing my body against him, catching him off guard.

“We shouldn’t,” Taehyung breathed out, as he rested his forehead on mine, his eyes shut close.

“We shouldn’t do a lot of stuff,” I agreed with him casually, a smirk decorating my face when I ran my hand across his chest and shoulders. “It has never stopped us before, though,” I added, as I nipped his earlobe mischievously.

“You can’t talk to me like that!” Taehyung spoke loudly, taking a small step backward before he pulled down my uniform’s zipper. “You haven’t had clothes underneath that the whole time?” he questioned, although he already knew the answer. “Tsk, tsk,” he shook his head, pushing the uniform off my shoulders, letting it pool around my feet.

“Don’t stare at me like that! You’re creeping me out right now,” I whined, as I kicked off my shoes and discarded the bothersome uniform. His lingering stare was flattering, but when he didn’t put those large hands in action, I felt a little under-pampered.

Standing almost bare in front of him, I trembled, what didn’t go unnoticed by Taehyung. Instantly, he wrapped his arms around my waist, the heat radiating off him. “Maybe we should talk first,” Taehyung proposed but gulped when I touched his groin. “Okay, I tried.”

Abruptly, Taehyung picked me up and carried me to the break room. We had no time to waste, and he lastly understood that too. During our work together, we had been playing cat and mouse, but it was about time to bury the hatchet. We’re finally on the same team after years of the matchup.

“I wonder if you’re as sweet as you used to be,” Taehyung spoke, as he gently placed me down and got on his knees. “Your pussy was as sweet as your mouth was bitter,” he added before his long, slender fingers tugged my panties to the side, allowing him to touch my bare folds.

“Taehyung–

I moaned his name, as I squeezed my legs together when he started to touch my slit, making him smirk. Gently, he leaned forward and pressed his lips on my skin, drawing a trail of delicate pecks across my left thigh.

“It’s been a while since anyone treasured you the way you deserve it,” Taehyung concluded, his breath tickling my skin. “Let me remind you,” he added, and I leaned my back against the wall, knowing my legs wouldn’t be able to support my weight if Taehyung was to keep his promise. He had always known how to make me weak, and right now, I was sure he didn’t forget his moves.

“Please,” I breathed out, tilting my head backward when Taehyung’s fingers massaged my folds, his mouth already on my pelvis, slowly kissing his way down to my clit. “Oh God,” I shuddered, quickly reaching out to hold myself onto something.

“I’m seriously concerned, it has always taken forever for you to come,” Taehyung commented playfully, looking up at me. “And look at you right now, almost squirting on my fingers,” he added, and I bit my bottom lip, too embarrassed to admit how long it had been.

“Tae, please,” I begged when Taehyung pushed his long finger inside of me, his tongue teasing my clit, making me hold my breath, my teeth clenched. “Fuck,” I moaned; he added another finger, as he pumped in and out mercilessly, his mouth now sucking my most sensitive nub.

“Do you like it?” Taehyung pulled away to ask, but I only ran my hand through his hair, forcing him to return to eating me out. “You’ve always been needy,” he commented, as his free hand groped my bottom, squeezing it, making me jerk my hips forward.

“And you’ve never let me come without me begging,” I made a remark, but Taehyung only smirked. Lazily, he flicked his tongue what induced my legs to shake when he found the right spot, allowing me to feel very first sparks of pleasure.

“You know me too well,” Taehyung teased, and I rolled my eyes, not expecting him to take me any other way. I didn’t mind it, though. He was a pain in the ass, but he had always put my needs above his, making sure I was the first one to reach the blissful peak. Moreover, sex with him had never been monotonous, as he had tended to come with something new each time we were intimate.

“Mmm…” I purred through clenched teeth, when Taehyung’s fingers pumped inside of me swiftly, stretching me before he fucks me properly with his cock. “Taehyung…” his name rolled off my tongue, and I knew how much my cries of excitement kept him going.

“What is it, baby?” he asked, as he looked at me. His eyes were shining with its unwavering spark, his reddened lips glistening with his saliva and my juices. “Do you want me to stop?” I looked at him, my eyes hooded, observing his infamous smirk of pride.

“What do you think?” I dismissed his question, breathing heavily. His ministrations turned me on, making me a complete mess under the power of his touch, though I wasn’t going to admit that and stroke his ego anymore. It was already big, and I barely could handle his cocky attitude.

“I don’t know, you tell me,” he spoke as he licked his lips, humming in delight. “God, you’re delicious, as always.”

“Please, Taehyung, touch me, I missed your fingers,” I whined much to Taehyung’s enjoyment. He knew how he made me feel, and he shamelessly used it to his advantage. “I bet you can make me come around them,” I challenged him, and his eyes brightened with confidence.

“If you keep talking like that, I may not be able to control myself any longer,” Taehyung confessed, and I realized he was aching for my affection too. He was on his knees, caressing me as if I was made of china, fulfilling my every wish, whereas I didn’t even touch him yet. Still, in his uniform, his cock was restrained underneath a thick layer of clothing.

“Let me take care of you, Tae,” I whispered when I brushed my hand against his cheek. Instantly, he looked me in the eyes, slowly standing up, his gaze focused on my lips. “Please,” I started when I reached to his zipper, pulling it down. Unlike me, he wore regular clothes under the uniform. It wasn’t problematic, though. With my help, we quickly got rid of the annoying fabric.

“Look what you do to me,” said Taehyung when I pulled down his boxers, releasing his hard cock. Gently, he grabbed his length and gave it a couple of strokes. I had seen him jerk off million times before, but when I observed him right now, it turned me on as much as when he had his fingers shoved inside of me. “Help me,” he whispered, as he reached out for my hand, guiding it to his cock.

Smirking, I grabbed his member around its base, caressing it annoyingly slowly, knowing he favored going fast. Usually, I wouldn’t tease him like that, but it was the payback, and he got what he deserved. My hand sensually rubbed the precum into his length, making him throw his head back and shut his eyes under my touch.

“Somebody’s excited,” I taunted him as soon as I felt him twitch in my hand. Taehyung couldn’t wait for more, and he didn’t even have to voice his needs; his body showed me exactly what he yearned.

Slowly, yet steadily picking up my pace, I blew my hair off my face and looked into Taehyung’s dark eyes as if trying to figure out what was going on inside his head.

“Tell me what you want, Tae,” I whispered, licking his earlobe. “And I may give you just that,” I added, letting my breath tickle his wet skin. Gently, I brushed my nose against his neck, waiting for his reply. His heart was beating rapidly, and I heard him swallowing hard before he could formulate his answer.

“I’ve got one hell of a list actually,” Taehyung said after a moment of thinking. He seriously seemed deep in his thoughts, and considering the playful smirk that appeared on his face, he meant it. “We won’t cross everything out at once, that’s for sure.”

“I don’t reckon it as a onetime thing,” I admitted, and Taehyung grinned at me in relief.

“I don’t either,” Taehyung confirmed, planting a chaste kiss on my lips. “I’m so glad that we’re on the same page for once,” he added seductively, blowing at the wet spot on my neck where a hickey was slowly forming. How the hell am I going to explain that when Jin and Hoseok come back? “You know what? Fuck it; I can’t wait,” he spoke, turning me around, pushing me over the desk, which sat on the other side of the room.

“Ahh…” I moaned when Taehyung spanked me. “Taehyung–” I purred, as his large hand began massaging my butt before it even started to sting.

“What is it, baby?” Taehyung asked in concern, as he leaned forward, and I arched my back, meeting him halfway, playfully biting his bottom lip. “Do you like it like that?” Taehyung inquired when I released his lips. His length was poking me, and I barely could stand that.

“You know I do,” I answered through clenched teeth, as Taehyung grabbed his cock, teasing me with its tip sliding up and down my soaked folds. I was ready to take him, but he wouldn’t let me feel the pleasure yet. When it came to sex, Taehyung sometimes could be a sadist, especially when I did him wrong. “Please,” I howled, sticking up my butt, rubbing it against his erection.

“I can’t keep you waiting when you’re begging me like this,” Taehyung admitted, spinning me around, sitting me on the desk. Quickly, I spread my legs, letting Taehyung between them. “Do you have a condom?” he asked, and I shook my head. Lack of protection wouldn’t stop me now, though. I wanted it too much to stop in the middle.

“Just pull out when you think you’re close,” I replied, and Taehyung sighed. “You’ve always loved coming on my tits; that hasn’t changed, has it?” I teased him, and Taehyung agreed with a sly smirk.

“No, it hasn’t,” he confirmed, and I gasped when he pushed his cock inside of me without any warning. It didn’t hurt because he had stretched me well, but I still didn’t expect him to enter me so desperately. “You’re so warm,” he moaned, as he trusted his hips back and forth inside of me.

The melody of my hushed moans and Taehyung throaty gasps played in my ears, with each thrust my voice going louder. His hips moved swiftly, but his hands traveled across my skin agonizingly slowly, making me wrap my legs around him, pulling him close as it was possible.

“Tae–“ I cried out, biting my bottom lip. Taehyung was making me feel heavenly, and until now, I didn’t realize how sex-deprived I had been. Thankfully, the dry spell’s over. “Please, go faster,” I begged, as I propped myself on my right hand, rubbing my clit with the other one.

My orgasm was near, and I would be pissed if Taehyung denied me of it. (It had always been a kink of his, and I learned it the hard way.)

Exactly how I told him to, Taehyung quickened his pace, making me choke on air.

“Oh, baby,” he rasped in his low voice, as he leaned forward, his lips smashing against my neck, trailing wet kisses down to my collarbones, marking me again. I gulped in pleasure when his mouth sucked on my skin, and although I hated love marks, this time I didn’t mind them at all. “You’re mine, you’re mine,” Taehyung repeated desperately, and I just nodded, kissing in his confirmation.

“I’m yours,” I moaned, arching my back when he finally found the most sensitive bud. I was only a couple of strokes away from my high, and all I needed was Taehyung to maintain his pace. “I’m yours,” I hissed when my walls started to pulse and tighten around him.

“You better come soon. I’m close, too,” Taehyung warned me, and I rolled my eyes at him. He would have to be really stupid if he seriously thought I’d deny my orgasm.

“Yes, yes, yes, just like that,” I whispered, raking my fingertips across his back, scratching it. I was on the verge, and I needed something to hold on. “Taehyung, I’m almost there,” I closed my eyes, giving myself into the embrace of a sweet peak, flavored with Taehyung’s raspy voice and musky smell.

The second I felt the paradise, a faint noise of the landline filled the space, killing the mood. My walls squeezed around Taehyung’s throbbing cock, coating it with my juices.

“Fuck, Tae,” I screamed, as Taehyung kept pounding his hips, helping me ride out my orgasm.

“Whoever is on the line is fucking persistent,” Taehyung commented, shaking his head, as he couldn’t believe that anyone would call them at such unholy hour. “Shit, I want to come inside you so fucking much,” he announced, as he pulled out his cock. Quickly, he started to pump it up and down with his hand, and I just watched him with my legs spread, my teeth biting the bottom lip.

“I wouldn’t really mind if you did,” I replied, but it was too late. My words triggered him, and with a couple of strokes, he came all over my stomach and breasts.

“You’re fucking amazing,” he breathed out, as he looked at me from underneath his sticky fringe. Taehyung’s satisfied and exhausted demeanor looked handsome on him, and unless I sat on the desk, it would sweep me off my feet. “I mean it,” he added, leaning to place a pack on my lips.

Then the phone rang again.

Taehyung growled in annoyance, but walked toward the landline, and picked up the phone. “Ghostbusters; how can I help you?” Taehyung answered the call politely, but his gaze was still on me as if he was enchanted. And frankly, I felt the same way about him.  I couldn’t wait for him to hang up and come back to me, so we could properly celebrate our ceasefire.

“Of course, I’m on my way,” he answered, and I shook my head since there was no way I would be joining him on another mission.

I’d rather stay in and warm up the bed for him, hoping that everything turns up easier this time around.

[global-luxury-homes-punta-cana]

Time To Invest In Real Estate In Dominican Republic Is Now

It is high time to invest in the real estate sector of the Dominican Republic. The property value is still very much reasonable in the country and the experts believe that the real estate sector of the country has a sound prospect of returning the investor’s money. With the tropical climate, friendly inhabitants, stunning beaches, and investor-friendly government framework, the Dominican Republic has everything an investor can dream of before investing. The prospect of the real estate sector is also very encouraging as the realtor and developers have the opportunity before them to transform their properties into a commercial hub like hotels, malls, resorts, and condos to accommodate more tourists and earn massively. Moreover, technological development and infrastructure development are on a rise in the Dominican Republic which makes the newly developed real estate properties economically viable.

If you have already arrived in the Dominican Republic you will be able to find a reliable real estate partner just at your fingertips by simply typing on your phone ‘top real estate near me’. In order to understand the government rules & regulations. The real estate laws and governance framework in the Dominican Republic are very much FDI-friendly. Therefore the investors face no problem to secure their real estate property dealings. Your real estate agent can guide you on various benefits and facilities offered by the government of the Dominican Republic including exemption of all property and development taxes, no taxes for transfer of ownership, tourism incentives for setting up commercial properties for the tourists, special facilities for the investors from friendly countries and so many. Moreover, the government also offers tax-free receipts for pension income and a 50% exemption on property tax and mortgages. Due to these incentives real estate trading is profitable and ensures healthy returns.

If you are in the Dominican Republic, once you search for the top real estate agent near me, he/she can guide you to strike the best property dealings in the Dominican Republic. Even if you are planning to buy households and personal items, the government offers an exemption on that as well. You can also receive a partial exemption on vehicle taxes, which will further reduce your operational expenses for the investment and save money. The most important advantage of real estate dealings in the Dominican Republic is that you will be able to receive a 50% exemption of taxes on capital earnings that will certainly boost up your profit percentage from a property deal. With so many benefits and incentives, the Dominican Republic is perhaps the best country for securing investment in the real estate sector.

[carlgouldworld]

CarlGould-#70secondCEO-Seasons in Business - Part 2

Pricing is KEY in the Winter season of the business cycle. Find out what that means in this episode of #70secondCEO.

Read full transcript:

Hi everyone, Carl Gould here with your #70secondCEO. Just a little over a one minute investment every day for a lifetime of results.

What happens in society and in business is there’s a massive correction in all of the commercial markets so real estate, remember the prime mortgage crisis of 2008? You know we're going through a real estate you know re-jigging now. Retail the way retail is done that’s changing massively right in front of us and so over the next few years as baby boomers retiring go to their prime saving years and the next generation comes up and takes control and leadership in the economy there is this big resetting of the economy there’s a lot of volatility, well what does that mean to us? Well during volatile times, consumers (this is counter intuitive so stay with me) are willing to pay more for your product or service if they believe you’re an expert, okay? So pricing becomes incredibly important during winter more--it’s important in any season but during winter especially, the place you wanna be in your pricing is near the top of your niche or near the bottom of your niche not in the middle.

Like and follow this podcast so you can learn more. My name is Carl Gould and this has been your #70secondCEO.

Check out this episode!

[dacxiglobal]

I believe that purchasing crypto now is a once in a generation opportunity for wealth creation

I’ve spent most of my life in Sussex, and had a great childhood there, with my mum, a full-time stay at home mum, as was typical of her generation, and my Dad, a project engineer. Financially, my parents were very conservative, living within their means, and didn’t believe in debt with the exception of a mortgage on their home. In terms of decision making they definitely ‘played it safe’, whereas I’m more entrepreneurial and willing to take sensible risks for an upside! I also enjoyed working hard to play hard and developed a taste for a few of the finer things in life.

At school, I wasn’t a natural academic but stayed an extra year to get the qualifications that would bag me a decent job with a big company. My real forte was economics and commerce, so when I left school at 18 I got my first proper job in retail banking for Lloyds. I’d already had a school weekend job at WHSmith where I’d picked up some good social skills with customers, and learnt to be responsible and organised which was handy!

My career at Lloyds saw me promoted from being on the till then to back office, then eventually to a financial advisor, but I felt only being able to work with the Lloyds products was constraining. I, therefore, took a job in a financial services company, where I could work across more financial products, including pensions, life insurance, bonds, unit trusts and shares. It was great training for my own personal finances! I’d already seen that the wealth was concentrated in the older generation, and those who didn’t learn the necessary financial skills were left behind. I also saw the boom and bust of the 1980s and knew of many people in negative equity. In fact, when I purchased my first flat, I remember interest rates of 15%, unthinkable now!

I felt I had achieved all I could in financial services, and wasn’t interested in being a branch or area manager for the bank. A friend invited me to work in media, for a company with outdoor advertising spaces on the tubes and buses. I was seeking a more rounded commercial experience. I also liked that there was a commission element to the pay which appealed to the entrepreneur in me. It also enabled me to purchase my first buy to let property, near Gatwick airport, which despite costing £50,000 had a monthly rent of around £600 and thus had an attractive yield. A shame such returns are no longer available in the property market, hence me diversifying into crypto.

Around 2004 I started working in property investment to indulge my love of property and worked for the UK’s leading company in educating property investors. It is interesting to me that it can be quite challenging to learn about crypto, which is why I was very interested to be introduced to Dacxi by a long term business acquaintance and ate up all the free information that was offered!

I went on to work for another property investment business, and launched my own, and learnt a lot about packaging property, and always negotiating a discount. I would be modest enough to say I was OK at it as I was the top producer in two companies which were the market leaders! Of course, everyone wants to buy low and sell high, and I believe that purchasing crypto now is a once in a generation opportunity for wealth creation. One of the interesting responsibilities I was given in property was to set up a VIP advisory service for high net wealth customers. They were often interested in a variety of property investments including land, new builds, and overseas property. Spreading risk is certainly a good idea, and one of the reasons I have split my interests between property and crypto.

Crypto has been a crucial part of my personal wealth planning. I purchased earlier this year in the autumn and I am already 143% up. I’ve also talked to my contacts about Dacxi – when you think something’s great it’s hard to keep it to yourself! At my age, I am looking at boosting my retirement plans – the earlier I can stop working the better! Currently crypto outperforms all my property investments so I am planning on liquidating some of them to divert the capital to crypto.

In my opinion the outlook for crypto is very positive, and whilst I’m already comfortable, I am looking for crypto to make a serious change to my standard of living in the next 3-5 years. I am a bit car fan, I already own an Audi S3 as a “daily drive” and have a Porsche 911 Carerra 4s, but I’ve certainly got room in my life for an Aston Martin DB5 and a Range Rover Vogue or Velar. I also like the flexibility that crypto offers – much less hassle than running a buy to let property, which leaves me lots of time to go to the gym four times a week which is a key part of my health strategy. I also enjoy golf, holidays and nice meals, all of which require a certain level of cashflow.

In conclusion, property and crypto have been the cornerstones of my wealth strategy. Education and timing are everything, and I have been fortunate to benefit from being in the right place at the right time. If you are on the fence about crypto, do it now, before it’s too late – in my opinion, there are only a few years left to take advantage of it.

Dacxi is proud to support people on a path to prosperity with crypto. If you would like to find out more then please join us at dacxi.com. We’re here to help.

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20. Ann Sullivan - State Farm Insurance Agent

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4 Private Car Leasing Tips - Save Funds On Your Private Car Lease

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4. Nanci Cieckiewicz: Allstate Insurance

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16. Robert Jones - State Farm Insurance Agent

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7. Furlong & Co Insurance Agency Inc

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