#best apps for farmer

[anitratech]

Best Livestock Trading App for Farmers – Trusted Cattle Marketplace

Looking for the best livestock trading app for farmers? Discover Anitra, India’s most trusted digital platform for buying and selling cattle and other livestock. Anitra is specially designed to simplify livestock trading for rural farmers by offering a user-friendly interface, real-time listings, and verified seller profiles. Whether you're a small dairy farmer or manage a large herd, Anitra helps you find the right buyers or sellers with ease. The app also ensures transparent pricing, secure transactions, and expert support to make livestock management stress-free. Say goodbye to middlemen and outdated methods—Anitra empowers farmers to trade smarter, faster, and more profitably. Download the app today and experience a new era of livestock trading in India.

[kshemacropinsurance]

Protect Your Farm with Kshema General Insurance's Online Crop Insurance

Farming is unpredictable, and risks like weather, pests, and diseases can devastate crops. Kshema General Insurance offers an easy, online solution to protect your crops with affordable, comprehensive coverage.

Why Choose Online Crop Insurance?

Convenience: Get insured from the comfort of your home or field, no paperwork required.

Comprehensive Coverage: Protect against 8 natural perils.

Affordable Premiums: Access cost-effective policies to safeguard your crops without financial strain.

Quick Claims Process: Fast, hassle-free claims for a smooth experience during tough times.

Real-Time Support: Monitor your crops and get 24/7 customer assistance.

How to Get Started:

Visit the Website: Go to Kshema General Insurance’s site.

Choose Your Crop & Coverage: Select the right policy for your farm.

Fill in Details & Pay: Complete the form and pay online.

Receive Policy: Get your policy documents instantly via email.

Protect your farm with Kshema General Insurance’s Online Crop Insurance—simple, affordable, and reliable. 

Contact us - Kshema General Insurance Today!

[fincrif]

What Are the Best Personal Loan Options for Farmers?

Introduction

Farming is one of the most important sectors in India, contributing significantly to the country’s economy. However, farmers often face financial challenges due to seasonal income, unpredictable weather conditions, and fluctuating market prices. Whether it’s for buying seeds, fertilizers, equipment, irrigation systems, or covering personal expenses, farmers sometimes need additional funds to manage their financial needs.

A personal loan is one of the best financial tools for farmers, offering quick access to funds without requiring collateral. Many banks, NBFCs (Non-Banking Financial Companies), and government-backed schemes provide customized personal loan options to farmers with flexible repayment terms and lower interest rates.

In this article, we will explore the best personal loan options for farmers, eligibility criteria, required documents, and tips to increase approval chances.

Why Do Farmers Need a Personal Loan?

Farmers may require personal loans for various reasons, including:

✔️ Agricultural Expenses – Buying seeds, fertilizers, pesticides, and farm equipment. ✔️ Irrigation & Infrastructure Development – Setting up borewells, water pumps, or storage units. ✔️ Livestock & Dairy Farming – Expanding or maintaining cattle, poultry, or fish farms. ✔️ Medical & Household Expenses – Managing personal or family emergencies. ✔️ Debt Consolidation – Clearing existing loans or high-interest debts.

Since farmers have seasonal income, they need loans with flexible repayment options, allowing them to pay in lump sums after harvest instead of monthly EMIs.

Best Personal Loan Options for Farmers in India

Several banks, NBFCs, and government-backed financial institutions offer personal loans tailored for farmers. Here are some of the best options:

1. SBI Kisan Personal Loan

The State Bank of India (SBI) offers a special Kisan Personal Loan to help farmers meet their agricultural and personal financial needs.

🔹 Loan Amount – Up to ₹50 lakh (based on eligibility) 🔹 Interest Rate – 9.5% to 12% per annum 🔹 Tenure – Up to 7 years 🔹 Eligibility – Farmers with own or leased agricultural land

✔️ Why Choose SBI Kisan Loan? ✔️ Lower interest rates than regular personal loans ✔️ Flexible repayment linked to crop cycle ✔️ No collateral required for small loan amounts

2. HDFC Bank Personal Loan for Farmers

HDFC Bank provides personal loans for farmers and rural borrowers to meet their financial needs.

🔹 Loan Amount – ₹50,000 to ₹15 lakh 🔹 Interest Rate – 10.75% onwards 🔹 Tenure – Up to 5 years 🔹 Eligibility – Farmers with proof of agricultural income

✔️ Why Choose HDFC Bank? ✔️ Quick loan approval with minimal paperwork ✔️ Lower processing fees compared to traditional business loans ✔️ No collateral required

3. ICICI Bank Personal Loan for Agri Professionals

ICICI Bank provides special personal loans for agricultural professionals, including farmers, dairy producers, and poultry owners.

🔹 Loan Amount – ₹50,000 to ₹10 lakh 🔹 Interest Rate – 11.5% to 16% per annum 🔹 Tenure – Up to 6 years 🔹 Eligibility – Farmers with a minimum annual income of ₹1.5 lakh

✔️ Why Choose ICICI Bank? ✔️ Customized repayment plans based on harvest cycles ✔️ Quick digital loan processing ✔️ Available for both land-owning and tenant farmers

4. NABARD Agricultural Personal Loan Scheme

The National Bank for Agriculture and Rural Development (NABARD) offers low-interest personal loans for farmers under various government-backed schemes.

🔹 Loan Amount – ₹50,000 to ₹25 lakh 🔹 Interest Rate – 8% to 12% per annum 🔹 Tenure – Up to 7 years 🔹 Eligibility – Small and marginal farmers with land ownership proof

✔️ Why Choose NABARD Loans? ✔️ Lower interest rates due to government subsidies ✔️ Designed for small and marginal farmers ✔️ Flexible repayment options based on crop yield

5. Bajaj Finserv Flexi Personal Loan for Farmers

Bajaj Finserv offers a flexible personal loan, allowing farmers to withdraw funds as needed and pay interest only on the utilized amount.

🔹 Loan Amount – Up to ₹35 lakh 🔹 Interest Rate – 12% onwards 🔹 Tenure – Up to 5 years 🔹 Eligibility – Self-employed farmers with stable income records

✔️ Why Choose Bajaj Finserv? ✔️ No fixed EMIs – pay only for the amount used ✔️ Quick disbursal and digital loan application ✔️ Best for farmers with fluctuating income

Eligibility Criteria for Farmers Applying for a Personal Loan

While eligibility criteria vary across lenders, farmers must typically meet these requirements:

✔️ Age Limit – 21 to 65 years ✔️ Land Ownership – Must own or lease agricultural land ✔️ Minimum Income Requirement – ₹1.5 lakh to ₹3 lakh per annum (varies by lender) ✔️ Repayment Capacity – Strong financial history or alternate sources of income ✔️ Credit Score – A score of 700+ improves approval chances

Farmers with good repayment history can negotiate for better interest rates and flexible terms.

Documents Required for Farmers to Apply for a Personal Loan

Farmers must provide basic financial and identity documents when applying for a personal loan:

📌 Identity Proof – Aadhaar Card, PAN Card, Voter ID 📌 Address Proof – Utility Bill, Ration Card, Driving License 📌 Land Ownership Proof – Land registration documents or lease agreements 📌 Income Proof – Recent bank statements, sales receipts, or agricultural income proof 📌 Photographs – Passport-sized photos for application processing

Having these documents ready in advance can speed up the loan approval process.

How Farmers Can Improve Loan Approval Chances?

If you’re a farmer looking for a personal loan, follow these strategies to increase approval chances:

✔️ Maintain a Good Credit Score – A score of 750+ helps secure better loan terms. ✔️ Show Consistent Income – Provide bank statements and agricultural income proof to demonstrate financial stability. ✔️ Opt for NBFCs Over Traditional Banks – NBFCs offer more relaxed eligibility criteria. ✔️ Choose Seasonal Repayment Plans – Select lenders that allow lump-sum payments after harvest. ✔️ Apply for a Government-Subsidized Loan – NABARD and other government schemes offer lower interest rates.

Following these steps can enhance loan approval chances and help secure the best loan terms.

Final Thoughts: Which Personal Loan Option is Best for Farmers?

Farmers can successfully get a personal loan if they choose the right lender, maintain financial records, and opt for flexible repayment plans.

For higher approval chances, farmers should: ✔️ Compare different loan options before applying ✔️ Provide strong income proof and bank statements ✔️ Explore government-backed schemes for lower interest rates

By selecting the right loan, farmers can manage their agricultural and personal finances effectively.

For expert insights on personal loans and the best financing solutions, visit www.fincrif.com today!

[krishify]

Join the Largest Agriculture Community for Farmers – Krishify

Looking for the best Agri Apps in India? 🌱 Join Krishify, the leading agriculture community for farmers, where you can connect with fellow farmers, get expert advice, and access the latest insights on agriculture monitoring. 📊🌾 Download now and revolutionize your farming experience!

[ikisan-agro]

How To Implement Effective Agriculture Solutions For Sustainable Farming

Implementing effective agriculture solutions for sustainable farming is essential for ensuring long-term food security, preserving the environment, and improving rural livelihoods. Strategies such as organic farming, conservation agriculture, precision agriculture, agroforestry, diversification, water management, renewable energy, and education and training can contribute to achieving sustainable agriculture.

[lovesickhughes]

luscious locks | jack hughes

✧･ﾟ: *✧･ﾟ:*

a/n: i, to this day, CANNOT get over this content we got of all three brothers, and the way jack looks, hello??? i would just like to preface that this has been in my drafts since AUGUST (I KNOW) and i finally was able to finish it! not my best, also only proof read once, so apologies for any mistakes, but i hope you enjoy!!! okay bye love you!

summary: jack's gorgeous hair matched with his charming personality and stunning face, leaves you drooling at his feet

warnings: makeout sesh! nothing else except for pure fluff!

word count: 2.2k

Summer seemed to be slipping away, right before the tips of your fingers. The Michigan nights were getting cooler, the sun was setting earlier, and your friends desperately attempted to fit in any last minute plans before everyone dispersed back into their routines come autumn.

That also meant for Jack and you, your time spent together that felt endless was coming to an end. The pre-season was just around the corner for the National Hockey League, which meant Jack's schedule would condense to a routine occurrence of working out with the team, morning skates and all the extra training and conditioning that went into the preparation for the upcoming season.

While the summer was able to be spent with family and friends; boating at the Hughes' lake house, trips to wineries and attending weddings of fellow teammates and pro athletes, Jack among the league's management and closest friends had to enjoy the summer fun while keeping one secret from the public.

When the Hughes brothers were offered the opportunity to be on the cover of the upcoming video game covers, the three boys were ecstatic to take upon the offer and fly to Los Angeles for media coverage. You had joined the brothers back in July for a weekend while they were taken behind the scenes and filmed content with the league's media team.

However, being restricted from sharing the exciting news for the upcoming release to the public, made your gatherings with friends a bit more difficult than anticipated. When amongst friends, and even family, the extra attention you paid to conversations and your own responses added another amount of energy that drained you. You wanted nothing more than to tell your closest people the exciting news, but with strict contracts the Hughes brothers had to sign, you knew it would all be worth the wait and biting your tongue a little harder when chiming into conversation.

Now, after the release being almost over a week ago, Jack and you had recently flown back to New Jersey in preparation of the new season. Jack was in meetings that occupied most of his days, while you were adjusting to your job, getting back into the rhythm as you did prior to the summer season.

Your friends and family had sent their congratulatory messages via text for you to pass along to Jack and his brothers for their accomplishments, and your timelines on all apps were flooded with the content you had watched be taken a few months prior.

Tonight though, Jack's and your schedule had perfectly aligned, where Jack had a few days off before the training picked up again, and your work had been all caught up for the upcoming days.

You had busied yourself in the morning, going to the farmer's market with a friend who was in town visiting, before getting coffee and reminiscing the last few summer months and what your family and you had done, and the time you spent with Jack's relatives.

While you caught up, Jack had gone to the gym, and tidied the shared apartment waiting for your arrival. When you entered through the door, the sight of your apartment scattered with candles lit, and the smell of pasta cooking coming from the kitchen, your eyebrows furrowed in worry, knowing there was a likely chance something could go wrong knowing who the chef behind the smell was.

You placed your findings from the farmer's market on the floor next to the collection of shoes that were neatly placed as you scurried towards the kitchen, turning the corner only to find Jack in nothing but a pair of grey sweatpants and nike socks that were pulled alarmingly high over the cuffs of his pants.

You took in the sight of the brunette from across from you, his soft, warm, tanned skin that had been kissed so delicately by the sun; his toned muscles, contorting as he moved in a fashion that left you mesmerized by the way his muscles in his biceps, shoulders and back all moved. And you noticed his hair, peeking out the bottom of his baseball cap that was turned backwards, a look you knew sent a wave of electricity through your body.

"Oh hey, babe," Jack said glancing up to your figure that scoped out the area, looking for any sign of something that could catch fire or cause chaos, "I'm just about done making dinner, I found this recipe online that had a video tutorial, so no; I haven't burnt anything down." Jack snickered, turning from the kitchen island to the counter behind that had a pot of pasta boiling on the stove.

You sigh, pulling your jacket off of your shoulder and hanging it on the back of the island stool. "I'm glad you haven't burnt anything, I guess now I'll just hope it's edible." You joked, earning a playful glare from the brunette in front of you.

All the while Jack was occupied watching the video from his phone, you leaned your body against the island counter, the cool marble touching the skin of your forearms as you rested your weight. You watched him intently, his tongue sticking out slightly in concentration while he transferred the pot of pasta into the strainer that was already placed in the sink. As he mixed the pasta noodles into the saucepan that contained a red sauce you could only assume was made from scratch, you watched his toned muscles shift with his movements, and his tanned skin from long days out on the boat at his lake house glimmering under the overhead lighting of the kitchen.

Your eyes trailed down his back to his waist and to his butt where your eyes lingered, mindlessly staring at your secret obsession Jack teases you about. Something about the way Jack looked and the way he was so concentrated in putting together a delicious, romantic meal for the first day in a few weeks that the two of you could spend together, you began to realize how long it had been since you felt the little adrenaline rush spike through your veins.

Of course you always actively had a crush on your own boyfriend, but every once in a while there would be moments where you're reminded of why he will always be your biggest crush of all time.

Since summer, Jack had been growing out his hair. You liked it no matter the length or style, but something about running your hands through his longer hair after a day in the lake and feeling the coarse texture from the water made your stomach do somersaults.

And tonight, it was clear Jack had gotten out of the shower prior to starting dinner, so his wet, brown hair laid messily under the cap, only destined to be doubled in volume from air-drying it and indenting the shape of the cap into his brown locks.

Jack plated the food, and you pushed yourself off of the counter to open the fridge and grab the bottle of wine you had saved from one of his teammate's weddings earlier in the summer. You poured two glasses, and followed Jack into your living room, placing the plates and wine glasses on the centre table that was decorated with candles and other items you had purchased when moving in.

Jack and you conversed about your days while the TV played in the background and you enjoyed your meal.

"I know we all joke that I should stick to being the one that cooks for us, but you impressed me tonight Hughes," you jested towards your boyfriend who sipped on his glass of wine.

He playfully rolled his eyes, "I didn't do nearly as bad as I thought I would, or as bad as you all make me out to be." He laughed. "Why don't you go and change into some comfy clothes while I clean up the dishes and then we can catch up on some TV or something for the rest of the night." Jack suggested as his hand reached to place a hand against your waist as you stood, sliding it towards the round of your butt and giving your skin a slight tap.

You squint your eyes, feeling skeptical of his suggestions, wondering if he was scheming.

"Is this your way of putting out for me? You make me a nice dinner and fill me with wine so we can end up fucking tonight?" You joked, half playfully. Jack stood to meet your eyes and his hand now reaching for your waist again to pull you into his body and placing a delicate kiss to your temple.

"Is it working?" He asked against your skin as he peppered kisses against your flushed and warm face. "I'm kidding, I just want us to have a good night since we've both been busy lately."

You hum at his response, "That's sweet of you, let me go change and I'll meet you back here."

While Jack collected the dirty plates and wine glasses, your feet carried you to your bedroom, quickly changing your outfit into one of Jack's basic t-shirts and a pair of pyjama shorts. Fixing the way that Jack's shirt fit on your frame, you admired your appearance in the wall-length mirror that leaned against the wall in your bedroom that complimented the other accents of the room.

Exiting your shared room, you walked down the hallway, the sound of your soft step echoing down the hardwood floor as the dimly lit living room shone down the walls. Jack was seated in the corner on the couch, his one arm resting on the back of the cushion while his legs stretched down to the end of the couch, with a soft white blanket drowning his figure.

A smile erupts on your face, seeing how romantic the aura of your boyfriend and this evening had been since you arrived home and you quickly shuffled over to meet Jack on the couch, plopping yourself next to him and immediately sinking into his side.

You rested your head on his shoulder as you snuck under the blanket to share, feeling the warmth of Jack's exposed skin radiate off of him.

"How are you already cozy?" You asked as if it was a life-changing question.

Jack chuckled, the vibrations of his laugh being sent through his body and ricocheting into yours, "You take forever to change." He slyly responded. You playfully shake your head in protest, but nonetheless snuggle in closer to your favourite brunette, his arm that was on the back of the couch finding its place around your shoulder, his fingers hanging down to just below your chest.

"What do you wanna watch?" Jack asked quietly, as he mumbled the question into the crown of your head, pressing a kiss to the crown of your head.

You hummed in contemplation, "Mmm, I'm not too picky- I'm probably just gonna end up falling asleep anyway." You giggled at your own confession.

It wasn't long before Jack and you had found a movie you both agreed on, and began to watch. The light from the TV screen emitting into the living room, lighting up the walls as Jack and you cozily held each other.

After the halfway point of the movie, Jack had to pause the film to run to the bathroom, and while doing so, on his way back grabbed you a glass of water, Jack settled back into his seat on the couch cushion.

As if on queue, when you looked over at Jack to see if he was ready to continue, he was already reaching for your waist and pulling you into his frame.

Your lips connected, and you inhaled sharply through your nose at the contact. Whether it was the two glasses of wine you had during dinner, or the smell of the food, or even the romantic environment of the living room with the lit candles disbursed among the room, the kiss felt electric, sending you to another level of bliss.

Jack's calloused hand instinctively raised to cradle your jaw, holding your face close to his as he continued to kiss you like it was the last time he'd be able to. And when you slightly pulled away to catch your breath from the heated kiss, Jack took that as his queue to slip his tongue into your mouth, exploring, as he deepened the kiss.

You let out a soft moan at the action, Jack's hand that was now on the side of your torso, squeezing your side delicately. Your own hands found themselves resting on each of Jack's shoulders, before your own one hand travelled up to the nape of his neck, immediately entangling it into his luscious, luscious locks you were so ever obsessed with.

The kiss continued, only until you both pulled away to catch your breath, foreheads resting against one another. You placed a quick peck on Jack's swollen, wet, and red lips. Smiling at him when his eyes met yours and you lowered yourself back into your cuddling spot beside him.

You looked up at the beloved boy who sat next to you, giving you more than you could have ever imagined in your life, and all that you felt was a sense of gratitude, and immense love; even emotional to think that you really did check all the boxes with this one. 

[foxxyboxy11]

100 Things to Script

Thank you all for 100 followers. I am grateful for all of you and all the love I have received. Enjoy!!

੭ Instead of reading an original book translated to whatever language you prefer. Script you can understand it in its original langauge. you will have a better understanding of the book. Especially if it’s a history book.

੭ My house doesn’t get mold

੭ My house always smells good

੭ My house never gets bugs unless scripted otherwise

੭ No one ever breaks in to your house

੭ My appliances never break and are always in good maintenance

੭ The walls are soundproof

੭ your house and belongings don’t get ruined by natural disasters

੭ All of your makeup is the best that you want and is the best for your skin (this is so you can have the aesthetic makeup products without them not looking good.)

੭ You always have internet no matter where you are

੭ You can identify smells and tastes perfectly (idk like Hell’s Kitchen blind taste test)

੭ You don’t get mosquito or other bug bites.

੭ Bugs avoid you if you choose so

੭ Your headphones don’t have leakage (when the music seeps out and others can hear it)

੭ You don’t get hair in your mouth

੭ Farmers markets don’t have any crap 3d printed or ai junk

੭ Your salad never gets soggy

੭ Your cereal never gets soggy

੭ Print boards section have another section inside the section.

੭ You have TikTok emojis in your keyboard emojis on any platform

੭ You know those weird code names on pintrest to get a specific thing

੭ When you buy a new book the pages or cover isn’t bent, or there is a second copy of it at the store that's in perfect condition for you to buy.

੭ At home projectors don’t have a fan as loud as a jet

੭ You don’t get hip dust on your hands

੭ Takis sells small bags of their flavor dust (for Markiplier)

੭ You never run out of butter, eggs, milk, basically any staple cooking ingredients

੭ If you ever push someone wheelchair you don’t bump them into things and walls, and vise versa

੭ If you comment on a video or stream it gets seen by the creator of you want it to

੭ You can legally sign any document with any color pen or glittery pen you want

੭ Custom perfume that only you have.

੭ Ice cream never melts

੭ You can adjust your brightness and volume more than the basic settings

੭ Clean air everywhere

੭ The stars are so bright at night no matter if light pollution exists

੭ Your phone has both apple and android apps

੭ Your bed never gets fallen out hair or crumbs on it.

੭ Random nail polish bottle. A bottle of nail polish that changed color and type every time you use it.

੭ You never lose your tweezers

੭ Power surges don’t mess with your electronics

੭ People don’t record random people in public anymore

੭ You can block tags on TikTok

੭ Algorithm is way better and always shows what you want to see

੭ AI slop doesn’t exist

੭ The shower head doesn’t spray water in random directions

੭ PBS kids sprout still exist

੭ When you download a picture with a transparent background, it’s actually transparent

੭ Your pets randomly serve face when you’re crying.

੭ Your pictures are never blurry

੭ You can draw a perfect heart, circle, star

੭ Your hair never gets ripped out in those tiny hair ties

੭ That shoe perfume actually sprays by squeezing the heel

੭ Bluetooth, wireless heating pad

੭ A filter on Pinterest to filter out the shop items

੭ No ads on Pinterest obviously

੭ Even really new or niche songs on Spotify have their lyrics on there

੭ You don’t forget what row or stitch you are at when crocheting or embroidering

੭ Bananas don’t get stringy things on them

੭ You suspiciously are very good at jumping fences

੭ Sodas don’t go flat

੭ You can wash a weighted blanket like any normal blanket

੭ Deleted section on all social media apps so you can see deleted posts or ones that got taken down (TikTok likes to do that to random videos)

੭ Books don’t get mold

੭ Picture frames don't fall off the wall.

੭ Animals at the zoo or aquarium are naturally drawn to you

੭ You randomly go off on adventures and forget to tell people sometimes. “Bro where are you?” “I’m in the forest with the bears”

੭ Your stuffed animals never fall off your bed

੭ If you forget to clean your dirty dishes and you fall asleep, they will be clean and put away the next morning.

੭ Any memory foam type thing you own doesn’t deflate, for example the cushion in your chairs don’t sink.

੭ Statues and art don’t get vandalized or destroyed

੭ Nobody steals art and claims it as their own

੭ Bacteria never gets in any of your products i.e.: makeup, skin care, body care etc..

੭ All stickers are reusable and maintain original stickiness

੭ If people you don’t like come into your space your stuffed animals stare into their soul. And only theirs. So as they walk around and look back they have moved and continue to stare at them

੭ You can stim in public without people side eyeing you

੭ Spotify has the genera selection on playlists like it does on liked songs

੭ Sample sizes are bigger and cheaper

੭ Magazines aren’t full of ads anymore and are interesting to read.

੭ Infinite lemonade bottle (I always run out too fast)

੭ Barbie oven, you put the ingredients in the oven and out pops a fully made decorated cake

੭ Custom battery icons

੭ Every time you go on a walk a cute animal pops out and looks at you then goes back to what it’s doing

੭ Uppercase and lowercase numbers. Uppercase is just bigger than lowercase, so you can scream numbers

੭ Rainbow clouds. Clouds that have a rainbow through them.

੭ A tv service with all shows and movies on them, all languages

੭ Your headphones never die misuse out in public

੭ Our naps always gives you all the rest you need, no matter how long or short it is

੭ Any shape bullet point on any website or app.

੭ Makeup pallets stay pristine

੭ You get to have one of those weird photoshoots.

੭ One of your roles in a show is to walk by eating and say “oh not the victim blaming” then leave and you don’t get seen till the next episode.

੭ You have those fancy fuzzy robes in all the colors

੭ Whenever you get compared to a character it’s actually a good comparison

੭ You’re an ugly crier but after you look so good with tear stained cheeks

੭ Your laundry soaps smell like your perfumes

੭ The sun is never in your eyes when you are driving, this is more of a safety one.

੭ You can tie the perfect bow.

Credits;

Top divider; @enchanthings-a

50 mark divider; @bernardsbendystraws

Bottom divider; @the-voice-beckons-below

[chdarling]

Friends, we are there. We are at that point. ICE is abducting people off the streets and sending them to concentration camps in El Salvador. That is happening. Trump has said that he’d “love” to send the “homegrowns” to these prisons and told the president of El Salvador to build 5 more. Kilmar Abrego Garcia was kidnapped due to an "administrative error" and the Republican regime is refusing to bring him home, even though the Supreme Court ruled 9-0 that they must. A US citizen from Georgia was arrested in Florida for being an "unauthorized alien" and they refused to release him, even as his mother waved his birth certificate in their faces. (I just learned while making this post that he has now been released and reunited with his family, thank fucking god.) A hundred other horrors have happened that we don't even know about.

No one is coming to save us. We have to save us.

Please, please, please find a (peaceful!) protest this Saturday and attend if you are able. There are also protests planned for May 1. And, frankly, there should be protests every single day, but we have to build momentum and community for that. So let's start.

If you can’t attend a protest, please consider taking another form of action. I was depressed on the train this morning and brainstormed a very incomplete and unofficial list of Things You Can Do:

Print posters advertising the protests and put them up around your neighborhood, your school, your apartment mail room, public restrooms, anywhere.

Spread the word on social media, yes, but also text your family and friends and ask if they know about the 4/19 and 5/1 protests. This date is not getting the same publicity as 4/5 and people are reporting social media posts being suppressed. Direct communication is the most effective.

Call your representatives. The 5 Calls app makes it extremely easy, even if you have phone anxiety. If your reps, like mine, mostly have their voicemails shut down, email them instead. Resistbot makes it super simple. I know it feels like screaming into the void, but it does have an impact. And even if it turns out it doesn’t, it takes 2 minutes. Do it out of spite. Just do it.

Stop buying anything that’s not absolutely essential and start preparing yourself for a general strike. I don’t know that we will get enough of the population on board to do this, but it is our best hope, and each person that is prepared for it makes the reality of it happening a little more likely. If you can, aim to have food and supplies stocked for a few weeks. If you have the means, be extra prepared to help your neighbors. Talk to your friends about this. Start strategizing.

(Also, a note on that general strike website: I'm sharing it for info, but I know a lot of people don't want to sign their name to a strike card. I get it. You don't have to sign up for anything to get prepared for a strike. You don't have to sign up for anything to stop giving your money to this economy. You don't have to sign up for anything to strike, when the day comes. You don't even have to tell anyone. You can just do it.)

If you are financially able, donate to your local food pantry or mutual aid network. The Republican Regime is cutting funding to the food banks in advance of an economic crisis. We are only as strong as the most vulnerable among us. Help your neighbors! A general strike cannot happen without community solidarity. Start building that solidarity now.

Cancel any subscription you can. Especially Amazon. Fuck Amazon. And Target, and Walmart.

If you have to buy something, buy local. Support your community as much as possible. And hey, it's almost farmers market season, hell yeah!

Mask up!!! Do not throw disabled people under the bus in this movement. Wear a mask. It protects the most vulnerable among us, and it protects you. Not just from disease, but also facial recognition technology. And, you know, RFK Jr.

Stay alive. I am sure I’m not the only one who has plunged to new depths of despair over the past few months. Find something to cling to, even if it’s only spite (some days, that’s all I have). Please stay alive. We need you.

DO NOT GIVE INTO THE FEAR OF BEING CRINGE. Taking action in the face of fascism is cool as fuck and anyone who tells you otherwise is trapped in a prison of their own making and they will bring us all down. Do not get distracted by moral purity tests. Do not be afraid, do not be embarrassed. BE CRINGE, BE FREE.

And finally, most importantly, do not let perfect be the enemy of good. We can all only do the best we can under this oppressive capitalist hellscape we’re forced to endure. We're all struggling, we're all tired, we're all scared. Do not guilt yourself into despair and apathy if you have to buy groceries at a big box store or if you can't take off work for a protest because you'll lose your job/house/healthcare. This is the system. This is how it's designed. The important thing is to try. If you can't do one thing, find something else you can do. Little acts add up, and we are all in this together.* As my dad likes to remind me, no one can do everything, but everyone can do something.

Let's do something. <3

*yes I did start humming high school musical here

[gracelaurie]

Innocent | Ed Warren x Reader

pairing : Ed Warren (Conjuring) x Female Reader

summary : You have been frequently bothered by a bride ghosts since you were little. But as you grow older you feel increasingly disturbed and you ask for help from Ed and Lorraine Warren, a demonologist, to help you escape the curse.

Instead of focusing on the exorcism case this time, you are caught up in a hot affair with Ed Warren.

After all, who would refuse his cock?

warning : full of smut, cheating, masturbation, virginity loss, unprotected sex, p in v sex, breeding kink, rough sex.

for another patrick wilson ff ➡️ masterlist

You snuck into Massachusetts Western University, Wakefield. You’re obviously not a student there, you graduated from uni last year. You knew that Ed and Lorraine Warren would be lecture in there so you disguised yourself as a student.

You’re wearing a white shirt matching with a black short skirt that is above the knee. Your beautiful legs are covered with sheer stockings.

Because of your appearance, many men stare at you stunned, even women seem to steal glances at you. You’re really beautiful and different from others. Your outfit is certainly the opposite in the 70s, but it’s not because of your outfit that makes many people admire you, but because you have a beautiful face with hair that looks very soft.

You have responded politely several times when several people tried to get to know you, and they were surprised why they had never seen you here.

Even though you attract attention there, you remain focused on your purpose here. The thought that told you to focus appeared when you saw the bride's figure appear again at the end of the room while Ed and Lorraine Warren were teaching in front. The bride looks at you with red eyes, and blood comes out of her eyes.

The blood dripped on the floor and when Lorraine walked backwards and stepped on the blood, in an instant the figure disappeared.

Lorraine gasped. She froze in place, looking at the floor which now had no blood at all- then she saw you.

Ed grabbed his wife’s shoulder, and he asked, “what is it, hon?”

“Nothing,” said Lorraine briefly, her eyes still looking straight at you. Ed followed his wife’s gaze, and he’s looking at you now.

“We have to,” Lorraine stopped because she was still trying to digest everything, “we have to continue this.”

Ed nodded, he then turned the video back on, “A French-Canadian farmer with no more than a third-grade education yet after he was possessed, spoke some of the best Latin I’d ever heard.”

You looked at the screen seriously. Suddenly you felt goosebumps, but when you looked to the side of the screen, you saw Ed caught staring at you, then Ed immediately continued talking, “S-sometimes backwards.” said Ed, who surprisingly, he’s stammer.

“He’d been molested by his father, who had also tortured him repeatedly.” Ed said still unable to take his eyes off you.

You realize this. It seems like you stole Ed Warren’s attention since Lorraine stared at you intently- she knew and could feel that you were being followed by the ghost. But her husband gaze at you... seemed different.

To ensure that, you pulled up your short skirt and crossed your legs. Your thighs are clearly visible in the sheer stockings which makes Ed even more unable to focus.

“A dark spirit…” Ed’s hungry gaze at your thighs, made his wife, Lorraine, suspect her husband’s strange behavior. Ed nervously continued, “A dark spirit made its home in- in th- this man.”

“Now, if you look into his eyes, you can see him tearing blood.” said Lorraine. You watched carefully and felt increasingly goosebumps all over your body.

Again, Ed couldn’t stop looking at you. You know that just by looking, you know this is wrong. He’s a married man and maybe they already have children. But you can’t deny that you like being seen by Ed, you feel like you want to tease him again.

“And like that…” Lorraine said while glaring at her husband and you alternately, “an upside-down cross started to appear from within his body.”

“All right, Drew, you can hit the lights.”

Suddenly everyone raised their hands to ask questions. You are surprised by this, not because of the enthusiasm of the class so that everyone wants to ask questions except you, but you are surprised because you feel like you didn’t get anything from their explanation.

Because Ed keeps looking at you and you in your seat keep teasing him. It seems like no one noticed, but if anyone in the room noticed besides his wife, they couldn’t blame you. He’s hot.

You can feel Ed and Lorraine’s relationship immediately strain. After answering questions from various students, they immediately left the room at a fast pace. You immediately follow their steps towards their car.

“Hey,” you said walking over to them as they were about to get into their car, “hey, I need your help.”

Before Ed could reply to your words, you quickly said, “I’m not a student here. I’m not even from this city, I came all the way here because I got news that you were lecture here, and...”

“That ghost bride….” said Lorraine still looking straight at you, “she follows you all the time, wherever you are.”

“And the worst part is…” you lowered your head, “she was the one who made my best friend die. I was driving a car, and I saw her figure right in front of my car, and I was fooled, I...”

“I’m sorry about what happened…” Ed said looking at you guiltily, then he looked at his wife who seemed to be trying to digest something, “I’m sure we can help…”

Lorraine turned to her husband. Don’t know why he really wants to help you even though they were very busy handling other cases that they should have investigated right away. Of course Lorraine wants to help you, but she feels bad instincts between her husband and you.

She knows that you have seduced her husband and his husband can’t take his eyes off you, but she had seen everything through her vision, about a bride ghost who always haunts and disturbs you.

“Of course we can help you,” said Lorraine smiling at you, gesturing for you to get into their car.

When you got into the car, Lorraine’s smile faded as she looked at her husband. She knew that something like this would happen, they had been together for a very long time, she knew that one day her husband would give another woman his gaze as if he wanted to strip her naked. But she didn’t think she could bear this much pain, however she had to focus on her purpose this time to helping you.

“How long have you been bothered by that ghost?”Lorraine asked when you arrived at her house.

You thought that the house will contain terrible things, but it turns out that all of them have been stored in one room. Her house is the same as most houses, classic interior design, and various paintings... Lorraine said that her husband likes pictures.

“When I was little,” you said, then you looked at Ed for a moment. And you realize that you look at him too often, “I don't remember exactly, but I could see her when I was 6 years old.”

“I felt very scared. especially when I no longer live with my parents, I...” you give up. You can’t control yourself from looking at Ed. His proportional body makes you want to be fucked by him.

“I'm not from this country. I studied in America and I have graduated from university and now I live here.” You could feel Ed constantly looking at you.

You bit your bottom lip, “I was alone, in the past if I was disturbed every night I could ask my parents to look after me. I know it was the actions of a spoiled child, but now everything is different, I endure all this alone, and I’m afraid...”

“You are not alone, we are here to help you...” said Lorraine holding your hand gently, “can you explain to us what you experienced…apart from your friend’s accident?”

You think for a moment, then you say quietly, “she often comes into my dreams, I don’t know, she always says something but I never remember it. And the weird thing is, I feel like I dreamed of her only for a moment, maybe 2 minutes ago, and when I woke up, it was already morning.”

“Ed...” said Lorraine softly.

He nodded his head, “yes hon?”

“Can you be here accompany her? I will be right back.” said Lorraine as she stood up. And then she whispered something to her husband, making you feel strange. She turned to you and smiled faintly then left the place.

“Where did she go?” you asked as Ed now sat down next to you.

“She’s just… want to do her thing.”

“No, you always work together. I don’t believe that.” you said feeling suspicious.

“And you believe what?” said Ed, “After you showed me your thighs and bit your sexy lips while me and my wife were lecture in there.”

Ed’s soft fingers touched your pink lips, his thumb combing every corner of your lips while his other fingers held your chin.

You let go of Ed’s hand with a slow movement. “No, Ed, we can’t.” You said trying to avoid eye contact from him.

Ed grinned, “Why not?” he tucked your hair behind your ear, holding your chin, “look at me.”

You’re looking at each other now. You can’t help yourself when you see Ed in his formal suit and tie... his body is very proportional with his very handsome face. You only looked into his eyes for 5 seconds and you immediately kissed Ed’s lips hungrily.

Ed kissed you back, your fingers undoing Ed’s tie. He kissed your neck aggressively, then with quick movements he placed your entire body lying on the sofa. He took off his suit and shirt, as did you at the same time taking off your shirt.

When you were about to take off your skirt-- Ed, who was already topless, bit your neck and then said in a deep, hoarse voice in your ear, “leave the skirt in place. as are those filthy stockings...”

Ed ripped your sheer stocking right at your cunt. He moved your panties to look at your pussy. You could feel Ed’s fingers playing on your clit. His thumb rubs your clit with lazy movements while his other 2 fingers into your cunt.

You groaned in pain, Ed said, “damn, 2 fingers won't really go inside. You’re so tight, honey.”

“You're a virgin huh?” said Ed, who was still playing with your clitoris and with his fingers, you could only nod weakly.

“What a surprise.” You felt his fingers force their way into your vagina making you scream in pain.

You can hear Lorraine calling her husband because he heard your moan, “don't worry hon, this is part of the exorcism I’m doing. I can do it myself.” Ed lied so stupidly.

“Ed...please...” you let out a weak moan, you looked at the door of the house which was still wide open, “Ed... shouldn't we close the door first?”

His fingers slipped from your cunt. He started to unbutton his trousers. You can see his cock which is so big and hard in front of you.

You can feel his cock starting to enter the walls of your cunt which are already very wet. He kisses your thighs which are still covered in stockings then enters his entire penis into you. Makes you groan in pain and shed tears.

You felt sore because Ed’s big cock was inside you, but you really liked it.

“Ed, we have to close the door...”

Ed now put your legs over his shoulders and fucked you very aggressively, he answered, “That's not necessary. If someone else passes by this house, at least they can see what a slut you are.” He squeezed out the last word by thrusting his cock deeper into you.

You were drunk with the pleasure he was giving you. You accidentally said a sentence you didn’t want to say.

“Ed Warren.....a sexy demonologist that I just met. A married man that would exorcise all the demons in my body. Please have my baby, put it all in me…. I want you..” you moaned as he insert his cock into your wet cunt with fast movements.

Ed looked at you with pity, “I really wanted to see you have my baby the first time I saw you with those thighs that were so tempting... obey me and be a good slut.”

You nod and you feel increasingly excited and want to climax when Ed kisses both of your tits and licks your nipples while still inserting his large penis inside you.

“Ed... I want to cum.” you moaned when Ed bit your nipple.

He then kissed your collarbones then you could feel his rough breath on your neck now. He kissed your neck then you felt something flowing inside you.

He releases a lot of sperm inside you. With nothing left. His big cock was still inside you when Lorraine caught you both in the living room.

“So, can we start now?” She asked with a straight face, “of course you can do an exorcism faster than this, right, Ed?”

Ed chuckled, he still hadn't removed his cock from inside you, “yeah hon, give us some time to get dressed again.”

Lorraine left the room still with a straight face. But you know that she really jealous and hurt because she obviously heard all your moans and can imagine how great your sex was. But she can’t do anything for that because she wants her husband to be happy.

You kissed his lips as he pulled his cock out of your pussy, “that was amazing.” you said then he smiled happily.

Your still naked bodies stood up and Ed hugged you from behind, “ready for round two?”

***

[dumbseee]

boyfriend!iwaizumi when you’re a famous idol.

iwaizumi hajime x fem!reader.

genre: fluff.

warnings: bad english/grammar :p /mention of the kpop industry (in here, dating someone is less taboo than it is in real life) / first work so it’s not that good.

_

after high school, you left japan for south korea, you always had this dream of becoming a kpop idol. during your time in seijoh, you were already known for being an amazing dancer but also for your angelic voice.

iwaizumi would always brag about you to the volleyball team, oikawa would tease him about you leaving him for a famous korean actor, after you became famous. to which, iwaizumi would respond with a kick in his friend’s back. truth be told, he was actually very scared of what the future had in store for you two after high school. he didn’t know if long distance would work for you, or if you even wanted it in the first place.

during your last school day, iwaizumi walked you back home, like he always did, but he seemed out of it and almost, sad? you asked him what was wrong and he told you that if you wanted to break up with him to focus on your dreams, he’d respect your decision and always support you. he couldn’t even look at you, tears starting to form in the corner of his eyes as he tried his best to keep a straight face. his words surprised you and broke your heart because you never knew that iwaizumi could be so dumb to think that you’d break up with him like that. "no matter the distance, it will never make me forget about how much i love you, hajime."

so you left for south korea and he left for america to study. you two called each other everyday, when you two were too busy, you’d try to call at least twice a week. iwaizumi was busy with school and finals took all his time while your trainee program took up yours. but somehow you two made it work. a few years later, you debuted as a soloist and sold millions with your first album whilst iwaizumi came back to japan after graduating, and became an athletic trainer for japan national volleyball team. you couldn’t be prouder of him, and you were his pride. he streamed all your songs, putting them on speaker while the boys would practice, he brought all your albums and watched the variety shows you were featured in. he was basically the president of your fanclub. and he wasn’t ashamed of it.

you two always made sure to go together on vacation in a foreign country, where kpop wasn’t really the thing. the distance actually strengthened your relationship since being apart of each other for so long, made the reunion better. you knew iwaizumi was it for you, and he was also your muse for your music. your fans often joked about how inspired and how deep your love songs were. it made you laugh to read all their theories about you being married to a farmer. if only they knew…

iwaizumi never minded being your secret boyfriend, he actually liked it that way. he didn’t know if he could bare being in the public eye every time. knowing that you were south korea’s sweetheart, being your public boyfriend would mean saying goodbye to his peaceful life, and iwaizumi wasn’t ready for that. well, he wasn’t ready yet. one day, he woke up to his phone being blown up by messages, actually tons of messages, from the groupchat he shared with the japan national team. he even had missed calls from oikawa, and all his close friends.

shoyo: IWAIZUMI-SENPAIIIIII

SID YOU SEE HHE NEWS???

kageyama: learn how to spell, idiot.

ushijima: blowing up his phone isn’t the best way to announce something like that.

bokuto: HAJI-SAN IT’S TERRIBLE ARE YOU OKAY??

atsumu: JUST SHUT UP

let the man wake up peacefully damn

shoyo: IT WAS TO BE A FAKE NEWS RIGHT??

bokuto: YEAH L/N-SAN WOULD NEVER DO THAT

iwaizumi: what the fuck?

ushijima: you should check twitter, hajime.

iwaizumi had frowned, but went on twitter, an app you forced him to subscribe to. apparently it was the genz’s newspaper. to his surprise, your face was all over his feed, it wasn’t surprising because he liked everything about you, followed dozens of fan account and basically became a fan account himself. but what surprised him was seeing those big account talking about your "relationship" with a famous korean actor.

"l/n y/n, the famous soloist who stole everyone’s heart with her heartfelt songs and beautiful looks, is dating a/l a/n!"

his eyes widened as he typed your name to call you immediately. his heart was beating so fast as he didn’t know how to feel about this. of course it was fake news, right? he knew you’d never cheat on him, you loved each other and iwaizumi couldn’t see his life without you in it. he quickly became aware of how much he loved you and how important you were in his life. without you, iwaizumi would be nothing but an empty shell. "hajime? thank god, i tried to call you!" your voice made him release a breath he didn’t know he was holding. "you saw, right?" your voice was small and for a second he thought that maybe you called him to announce your new relationship with this dumbass actor. "yeah, it’s not that fun to wakeup to your friends blowing up your phone and news outlets talking about your girlfriend’s relationship with that fucker." he rubbed his face with his free hand. "these idiots took pictures of us while we were in cabo and thought it was a/n. apparently you two look alike." he heard you chuckle which made him feel warm inside. he hated the fact that he doubted you for a second. suddenly, an idea popped up in his head, a crazy one but still. "you have an award show in a week right?" he asked you, a smile tugging at his lips. "yeah, why?"

well, iwaizumi’s idea was indeed crazy but you didn’t care, you were down for it. and as your name got called in the category, "best female artist", iwaizumi was next to you, he stood up before you could even understand what was going on, and he kissed you. showing to the world, that you were his as much as he was yours. it was a crazy way to launch your relationship to the world, but you didn’t care, because as long as you were together, nothing could happen.

[mostlysignssomeportents]

Petard (Part I)

Few things are more wrong than "if you're not paying for the product, you're the product." Companies sell you out when they can, which is why John Deere tractor milks farmers for needless repair callouts and why your iPhone spies on you to provide data to Apple's surveillance advertising service:

https://pluralistic.net/2022/11/14/luxury-surveillance/#liar-liar

When a vendor abuses you, that's not punishment for you being a cheapskate and wanting to use services for free. Vendors who screw you over do so because they know they can get away with it, because you are locked in and can't shop elsewhere. The ultimate manifestation of this is, of course, prison-tech. A duopoly of private equity-backed prison-tech profiteers have convinced prisons and jails across America to get rid of calls, in-person visits, mail, parcels, libraries, and continuing ed, and replace them all with tablets that charge prisoners vastly more than people in the free world pay to access media and connect with the outside. Those prisoners are absolutely paying for the product – indeed, with the national average prison wage set at $0.53/hour, they're paying far more than anyone outside pays – and they are still the product.

Capitalists, after all, hate capitalism. For all the romantic odes to the "invisible hand" and all the bafflegab about "efficient market hypothesis," the actual goal of businesses is to make you an offer you literally can't refuse. Capitalists want monopolies, they want captive audiences. "Competition," as Peter Thiel famously wrote, "is for losers."

Few lock-in arrangements are harder to escape than the landlord-tenant relationship. Moving home is expensive, time-consuming, and can rip you away from your job, your kid's school, and your community. Landlords know it, which is why they conspire to rig rents through illegal price-fixing apps like Realpage:

https://pluralistic.net/2024/02/27/ai-conspiracies/#epistemological-collapse

And why they fill your home with Internet of Shit appliances that pick your pockets by requiring special, expensive consumables, and why they tack so many junk fees onto your monthly rent:

https://pluralistic.net/2024/10/01/housing-is-a-human-right/

Tenants aren't quite as locked in as prisoners, but corporations correctly understand that you can really fuck with a tenant over a long timescale without losing their business, and so they do.

Ironically, monopolists love each other. I guess if you loathe competition, a certain kind of cooperation comes naturally. That's why so many landlords have forged unholy alliances with internet service providers, who – famously – offer Americans the slowest speeds at the highest prices in the rich world, trail the world in infrastructure investment, and reap profits that put their global cousins in the shade.

Many's the apartment building that comes with a monopoly ISP that has a deal with your landlord. Landlords and ISPs call this "bulk billing" and swear that it reduces the cost of internet service for everyone. In reality, tenants who live under these arrangements have produced a deep, unassailable record proving that they pay more for worse broadband than the people next door who get to choose their ISPs. What's more, ISPs who offer "bulk billing" openly offer kickbacks to landlords who choose them over their rivals – in other words, even if you're paying for the product (your fucking home), you are still the product, sold to an evil telco.

Under Biden, the FCC banned the practice of ISPs paying kickbacks to landlords, over squeals and howls of protests from industry bodies like the National Multifamily Housing Council (NMHC), National Apartment Association (NAA), and Real Estate Technology and Transformation Center (RETTC). These landlord groups insisted – despite all the evidence to the contrary – that when your landlord gets to choose your ISP, they do so with your best interests at heart, getting you a stellar deal you couldn't get for yourself.

This week, Trump's FCC chair Brendan Carr – who voted for the ban on kickbacks – rescinded the rule, claiming that he was doing so to protect tenants. This is obvious bullshit, as is evidenced by the confetti-throwing announcements froom the NMHC, NAA and RETTC:

https://arstechnica.com/tech-policy/2025/01/fcc-chair-nixes-plan-to-boost-broadband-competition-in-apartment-buildings/

Reading Jon Brodkin's Ars Technica coverage of Carr's betrayal of millions of Americans, I was reminded of a short story I published in 2014: "Petard: A Tale of Just Desserts," which I wrote for Bruce Sterling's "12 Tomorrows" anthology from MIT Tech Review. It's a fun little sf story about this same bullshit, dedicated to the memory of Aaron Swartz:

https://mitpress.mit.edu/9780262535595/twelve-tomorrows-2014/

Realizing that there were people who were sounding the alarm about this more than a decade ago was a forceful reminder that Trumpism isn't exactly new. The idea that government should serve up the American people as an all-you-can-eat buffet for corporations that use tech to supercharge their predatory conduct has been with us for a hell of a long time. I've written a hell of a lot of science fiction about this, and sometimes this leads people to credit me with predictive powers. But if I predicted anything with my story "Radicalized," in which furious, grieving men murder the health industry execs who denied their loved ones coverage, I predicted the present, not the future:

https://prospect.org/culture/books/2024-12-09-radicalized-cory-doctorow-story-health-care/

Likewise in my story "Unauthorized Bread," which "predicted" that landlords would use "smart" appliances to steal from their poorest, most vulnerable tenants:

https://arstechnica.com/gaming/2020/01/unauthorized-bread-a-near-future-tale-of-refugees-and-sinister-iot-appliances/

It's not much of a "prediction" to simply write a story in which "Internet of Things" companies' sales literature is treated as a straightforward idea and writing about how it will all work.

The same goes for "Petard." The most "predictive" part of that story is the part where I take the human rights implications of internet connections seriously. Back then (and even today), there were and are plenty of Very Serious People who want you to know that internet service is a frivolity, a luxury, a distraction:

https://www.newyorker.com/magazine/2010/10/04/small-change-malcolm-gladwell

They deride the idea that broadband is a human right, even after the pandemic's lesson that you depend on your internet connection for social connections, civic life, political engagement, education, health and employment:

https://pluralistic.net/2020/03/30/medtronic-stole-your-ventilator/#fiber-now

Writing sf about this stuff isn't predictive, but I like to think that it constitutes an effective rebuttal to the people who say that taking digital rights seriously is itself unserious. Given that, I got to thinking about "Petard," and how much I liked that little story from 2014.

So I've decided to serialize it, in four parts, starting today. If you're impatient to get the whole story, you can listen to my podcast of it, which I started in 2014, then stopped podcasting for four years (!) before finishing in 2018:

https://archive.org/details/Cory_Doctorow_Podcast_278

https://archive.org/details/Cory_Doctorow_Podcast_292

https://archive.org/details/Cory_Doctorow_Podcast_293

https://archive.org/details/Cory_Doctorow_Podcast_294_-_Petard_04

#

It's not that I wanted to make the elf cry. I'm not proud of the fact. But he was an elf for chrissakes. What was he doing manning — elfing — the customer service desk at the Termite Mound? The Termite Mound was a tough assignment — given MIT's legendary residency snafus, it was a sure thing that someone like me would be along every day to ruin his day.

"Come on," I said, "cut it out. Look, it's nothing personal."

He continued to weep, face buried dramatically in his long-fingered hands, pointed ears protruding from his fine, downy hair as it flopped over his ivory-pale forehead. Elves.

I could have backed down, gone back to my dorm and just forgiven the unforgivably stupid censorwall there, used my personal node for research or stuck to working in the lab. But I had paid for the full feed. I needed the full feed. I deserved the full feed. I was 18. I was a grownup, and the infantalizing, lurking censorwall offended my intellect and my emotions. I mean, seriously, fuck that noise.

"Would you stop?" I said. "Goddamnit, do your job."

The elf looked up from his wet hands and wiped his nose on his mottled raw suede sleeve. "I don't have to take this," he said. He pointed to a sign: "MIT RESIDENCY LLC OPERATES A ZERO-TOLERANCE POLICY TOWARD EMPLOYEE ABUSE. YOU CAN BE FINED UP TO $2000 AND/OR IMPRISONED FOR SIX MONTHS FOR ASSAULTING A CAMPUS RESIDENCE WORKER."

"I'm not abusing you," I said. "I'm just making my point. Forcefully."

He glared at me from behind a curtain of dandelion-fluff hair. "Abuse includes verbal abuse, raised voices, aggressive language and tone –"

I tuned him out. This was the part where I was supposed to say, "I know this isn't your fault, but –" and launch into a monologue explaining how his employer had totally hosed me by not delivering what they'd promised, and had further hosed him by putting him in a situation where he was the only one I could talk to about it, and he couldn't do anything about it. This little pantomime was a fixture of life in the world, the shrugs-all-round nostrum that we were supposed to substitute for anything getting better ever.

Like I said, though, fuck that noise. What is the point of being smart, 18 years old and unemployed if you aren't willing to do something about this kind of thing. Hell, the only reason I'd been let into MIT in the first place was that I was constitutionally incapable of playing out that little scene.

The elf had run down and was expecting me to do my bit. Instead, I said, "I bet you're in the Termite Mound, too, right?"

He got a kind of confused look. "That's PII," he said. "This office doesn't give out personally identifying information. It's in the privacy policy –" He tapped another sign posted by his service counter, one with much smaller type. I ignored it.

"I don't want someone else's PII. I want yours. Do you live in the residence? You must, right? Get a staff discount on your housing for working here, I bet." Elves were always cash-strapped. Surgery's not cheap, even if you're prepared to go to Cuba for it. I mean, you could get your elf-pals to try to do your ears for you, but only if you didn't care about getting a superbug or ending up with gnarly stumps sticking out of the side of your head. And forget getting a Nordic treatment without adult supervision, I mean, toot, toot, all aboard the cancer express. You had to be pretty insanely desperate to go elf without the help of a pro.

He looked stubborn. I mean, elf-stubborn, which is a kind of chibi version of stubborn that's hard to take seriously. I mean, seriously. "Look, of course you live in the Termite Mound. Whatever. The point is, we're all screwed by this stuff. You, me, them –" I gestured at the room full of people. They all been allocated a queue-position on entry to the waiting room and were killing time until they got their chance to come up to the Window of Eternal Disappointment in order to play out I Know This Isn't Your Fault But… before returning to their regularly scheduled duties as a meaningless grain of sand being ground down by the unimaginably gigantic machinery of MIT Residency LLC.

"Let's do something about it, all right? Right here, right now."

He gave me a look of elven haughtiness that he'd almost certainly practiced in the mirror. I waited for him to say something. He waited for me to wilt. Neither of us budged.

"I'm not kidding. The censorwall has a precisely calibrated dose of fail. It works just enough that it's worth using most of the time, and the amount of hassle and suck and fail you have to put up with when it gets in the way is still less than the pain you'd have to endure if you devoted your life to making it suck less. The economically rational course of action is to suck it up.

"What I propose is that we change the economics of this bullshit. If you're the Termite Mound's corporate masters, you get this much benefit out of the shitty censorwall; but we, the residents of the Termite Mound, pay a thousand times that in aggregate." I mimed the concentrated interests of the craven fools who'd installed the censorwall, making my hands into a fist-wrapped-in-a-fist, then exploding them like a hoberman-sphere to show our diffuse mutual interests, expanding to dwarf the censorware like Jupiter next to Io. "So here's what I propose: let's mound up all this diffuse interest, mobilize it, and aim it straight at the goons who put you in a job. You sit there all day and suffer through our abuse because all you're allowed to do is point at your stupid sign."

"How?" he said. I knew I had him.

#

Kickstarter? Hacker, please. Getting strangers to combine their finances so you can chase some entrepreneurial fantasy of changing the world by selling people stuff is an idea that was dead on arrival. If your little kickstarted business is successful enough to compete with the big, dumb titans, you'll end up being bought out or forced out or sold out, turning you into something indistinguishable from the incumbent businesses you set out to destroy. The problem isn't that the world has the wrong kind of sellers — it's that it has the wrong kind of buyers. Powerless, diffused, atomized, puny and insubstantial.

Turn buyers into sellers and they just end up getting sucked into the logic of fail: it's unreasonable to squander honest profits on making people happier than they need to be in order to get them to open their wallets. But once you get all the buyers together in a mass with a unified position, the sellers don't have any choice. Businesses will never spend a penny more than it takes to make a sale, so you have to change how many pennies it takes to complete the sale.

Back when I was fourteen, it took me ten days to hack together my first Fight the Power site. On the last day of the fall term, Ashcroft High announced that catering was being turned over to Atos Catering. Atos had won the contract to run the caf at my middle school in my last year there, every one of us lost five kilos by graduation. The French are supposed to be good at cooking, but the slop Atos served wasn't even food. I'm pretty sure that after the first week they just switched to filling the steamer trays with latex replicas of grey, inedible glorp. Seeing as how no one was eating it, there was no reason to cook up a fresh batch every day.

The announcement came at the end of the last Friday before Christmas break, chiming across all our personal drops with a combined bong that arrived an instant before the bell rang. The collective groan was loud enough to drown out the closing bell. It didn't stop, either, but grew in volume as we filtered into the hall and out of the building into the icy teeth of Chicago's first big freeze of the season.

Junior high students aren't allowed off campus at lunchtime, but high school students — even freshmen — can go where they please so long as they're back by the third period bell. That's where Fight the Power came in.

WE THE UNDERSIGNED PLEDGE

TO BOYCOTT THE ASHCROFT HIGH CAFETERIA WHILE ATOS HAS THE CONTRACT TO SUPPLY IT

TO BUY AT LEAST FOUR LUNCHES EVERY WEEK FROM THE FOLLOWING FOOD TRUCKS [CHECK AT LEAST ONE]:

This was tricky. It's not like there were a lot of food trucks driving out of the loop to hit Joliet for the lunch rush. But I wrote a crawler that went through the review sites, found businesses with more than one food truck, munged the menus and set out the intersection as an eye-pleasing infographic showing the appetizing potential of getting your chow outside of the world of the corrupt no-bid edu-corporate complex.

By New Year's Day, 98 percent of the student body had signed up. By January third, I had all four of the food-trucks I'd listed lined up to show up on Monday morning.

Turns out, Ashcroft High and Atos had a funny kind of deal. Ashcroft High guaranteed a minimum level of revenue to Atos, and Atos guaranteed a maximum level to Ashcroft High. So, in theory, if a hundred percent of the student body bought a cafeteria lunch, about twenty percent of that money would be kicked back to Ashcroft High. They later claimed that this was all earmarked to subsidize the lunches of poor kids, but no one could ever point to anything in writing where they'd committed to this, as our Freedom of Information Act requests eventually proved.

In return for the kickback, the school had promised to ensure that Atos could always turn a profit. If not enough of us ate in the caf, the school would have to give Atos the money it would have made if we had. In other words: our choice to eat a good lunch wasn't just costing the school its expected share of Atos's profits — it was having to dig money out of its budget to make up for our commitment to culinary excellence.

They tried everything. Got the street in front of the school designated a no-food-trucks zone (we petitioned the City of Joliet to permit parking on the next street over). Shortened the lunch-break (we set up a Web-based pre-order service that let us pick and pre-pay for our food). Banned freshmen from leaving school property (we were saved by the PTA). Suspended me for violating the school's social media policy (the ACLU wrote them a blood-curdling nastygram, and raised nearly $30,000 in donations of $3 or less from students around the world once word got out).

Atos wouldn't let them re-negotiate the contract, either. If Ashcroft High wanted out, it would have to buy it's way out. That's when I convinced the vice-principal to let me work with the AP Computer Science class to build out a flexible, open version of Fight the Power that anyone could install and run for their own student bodies, providing documentation and support. That was just before Spring Break. By May 1, there were 87 schools whose students used Ftp to organize Atos alternative food-trucks for their own cafeterias.

Suddenly, this was news. Not just local news, either. Global. Atos had to post an earnings warning in their quarterly report. Suddenly, we had Bloomberg and Al Jazeera Business camera crews buttonholing Ashcroft High kids on their way to the lunch-trucks. Whenever they grabbed me, I would give them this little canned speech about how Atos couldn't supply decent food and were taking money out of our educational budgets rather than facing the fact that the children they were supposed to be feeding hated their slop so much that they staged a mass walkout. It played well with kids in other schools, and very badly with Atos's shareholders. But I'll give this to Atos: I couldn't have asked for a better Evil Empire to play Jedi against. They threatened to sue me — for defamation! — which made the whole thing news again. Stupidly, they sued me in Illinois, which has a great anti-SLAPP law, and was a massive technical blunder. The company's US headquarters were in Clearwater, Florida, and Florida is a trainwreck in every possible sense, including its SLAPP laws. If they'd sued me in their home turf, I'd have gone bankrupt before I could win.

They lost. The ACLU collected $102,000 in fees from them. The story of the victory was above the fold on Le Monde's site for a week. Turns out that French people loathe Atos even more than the rest of us, because they've had longer to sharpen their hate.

Long story slightly short: we won. Atos "voluntarily" released our school from its contract. And Fight the Power went mental. I spent that summer vacation reviewing Github commits on Ftp, as more and more people discovered that they could make use of a platform that made fighting back stupid simple. The big stupid companies were whales and we were their krill, and all it took was some glue to glom us all together into boulders of indigestible matter that could choke them to death.

I dropped out of Ashcroft High in the middle of the 11th grade and did the rest of my time with homeschooling shovelware that taught me exactly what I needed to pass the GED and not one tiny thing more. I didn't give a shit. I was working full time on Ftp, craiglisting rides to to hacker unconferences where I couchsurfed and spoke, giving my poor parental units eight kinds of horror. It would've been simpler if I'd taken donations for Ftp, because Mom and Dad quickly came to understand that their role as banker in our little family ARG gave them the power to yank me home any time I moved out of their comfort zone. But there was the balance of terror there, because they totally knew that if I had accepted donations for the project, I'd have been financially independent in a heartbeat.

Plus, you know, they were proud of me. Ftp makes a difference. It's not a household name or anything, but more than a million people have signed up for Ftp campaigns since I started it, and our success rate is hovering around 25 percent. That means that I'd changed a quarter-million lives for the better (at least) before I turned 18. Mom and Dad, they loved that (which is not to say that they didn't need the occasional reminder of it). And shit, it got me a scholarship at MIT. So there's that.

#

Network filters are universally loathed. Duh. No one's ever written a regular expression that can distinguish art from porn and no one ever will. No one's ever assembled an army of prudes large enough to hand-sort the Internet into "good" and "bad" buckets. No one ever will. The Web's got 100-odd billion pages on it; if you have a failure rate of one tenth of one percent, you'll overblock (or underblock) (or both) 100,000,000 pages. That's several Library of Congress's worth of pointless censorship — or all the porn ever made, times ten, missed though underfiltering. You'd be an idiot to even try.

Idiot like a fox! If you don't care about filtering out "the bad stuff" (whatever that is), censorware is a great business to be in. The point of most network filters is the "security syllogism":

SOMETHING MUST BE DONE.

I HAVE DONE SOMETHING.

SOMETHING HAS BEEN DONE.

VICTORY!

Hand-wringing parents don't want their precious offspring looking at weiners and hoo-hahs when they're supposed to be amassing student debt, so they demand that the Termite Mound fix the problem by Doing Something. The Termite Mound dispenses cash to some censorware creeps in a carefully titrated dose that is exactly sufficient to demonstrate Something Has Been Doneness to a notional weiner-enraged parent. Since all the other dorms, schools, offices, libraries, airports, bus depots, train stations, cafes, hotels, bars, and theme parks in the world are doing exactly the same thing, each one can declare itself to be in possession of Best Practices when there is an unwanted hoo-hah eruption, and culpability diffuses to a level that is safe for corporate governance and profitability. #MissionAccomplished.

And so the whole world suffers under this pestilence. Millions of times every day — right at this moment — people are swearing at their computers: What. The. Fuck. Censorware's indifference to those minute moments of suffering is only possible because they've never been balled up into a vast screaming meteor of rage.

#

"Hey there, hi! Look, I'm here because I need unfiltered Internet access to get through my degree. So do you all, right? But the Termite Mound isn't going to turn it off because that would be like saying 'Here kids, have a look at this porn,' which they can't afford to say, even though, seriously, who gives a shit, right?"

I had them at 'porn," but now I had to keep them.

"Look at your tenancy agreement: you're paying twenty seven bucks a month for your network access at the Termite Mound. Twenty seven bucks — each! I'll find us an ISP that can give all of us hot and cold running genitals and all the unsavory religious extremism, online gaming, and suicide instructions we can eat. Either I'm going to make the Termite Mound give us the Internet we deserve, or we'll cost it one of its biggest cash-cows and humiliate it on the world stage.

"I don't want your money. All I want is for you to promise me that if I can get us Internet from someone who isn't a censoring sack of shit, that you'll come with me. I'm going to sign up every poor bastard in the Termite Mound, take that promise to someone who isn't afraid to work hard to earn a dollar, and punish the Termite Mound for treating us like this. And then, I'm going to make a loud noise about what we've done, and spread the word to every other residence in Cambridge, then Boston, then across America. I'm going to spread out to airports, hotels, train stations, buses, taxis — any place where they make it their business to decide what data we're allowed to see."

I whirled around to face the elf, who leapt back, long fingers flying to his face in an elaborate mime of startlement. "Are you with me, pal?"

He nodded slightly.

"Come on," I said. "Let 'em hear you."

He raised one arm over his head, bits of rabbit fur and uncured hides dangling from his skinny wrist. I felt for him. I think we all did. Elves.

He was a convincer, though. By the time I left the room, I already had 29 signups.

#

All evil in the world is the result of an imbalance between the people who benefit from shenanigans and the people who get screwed by shenanigans. De-shenaniganifying the world is the answer to pollution and poverty and bad schools and the war on some drugs and a million other horribles. To solve all the world's problems, I need kick-ass raw feeds and a steady supply of doofus thugs from central casting to make idiots of. I know where I can find plenty of the latter, and I'm damn sure going to get the former. Watch me.

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

https://pluralistic.net/2025/01/30/landlord-telco-industrial-complex/#captive-market

[larryfanfiction]

Silver Fox Louis AU

🩶 Gray hair is our forever by beardyboyzx @beardyboyzx (1k, G)

Harry put his lips together and his smile became bashful, one hand coming back in Louis' hair to caress it lovingly. He had seen Louis' first gray hair. His boyfriend was growing older and Harry was there to see it happening. "You've got one gray hair," he said, voice wet but full of wonder, as if that hair was made out of pure silver. "Your first gray hair."

🩶 HOT TO GO! by allwaswell16 @allwaswell16 (2k, T)

 When Harry does something weird at the barricade, he leaves Louis’ show devastated and hoping he can somehow make things right. Or the accidental pervert fic

🩶 I'll Still Feel the Same Around You by crinkle-eyed-boo @crinkle-eyed-boo (2k, E)

He finds himself wishing that the bedsheet would slip down a few more inches so he could get a good look at Harry’s perfectly pert– Louis’ breath hitches as his cock stirs, suddenly very interested in this train of thought. Oh. Oh. The answer to all of Louis’ troubles is so fucking obvious he can’t believe he didn’t think of it until now. Nothing puts him to sleep like a good orgasm. Louis finds the cure for his insomnia in the form of his husband.

🩶 Figure This Out by haztobegood @haztobegood (2k, E)

Louis is everything Harry could have imagined when he’d typed “silver fox enthusiast” into his Grindr profile. Too bad he's probably scared Louis off by giving him too many expensive gifts.

🩶 The Referral by disgruntledkittenface @disgruntledkittenface (5k, E)

Louis has noticed that since he turned fifty, his sex drive has started to slow down. Unfortunately, that’s not the case for his younger boyfriend Harry. A problem solver by nature, Louis wants to do something special for Harry, to show him how much he appreciates him even after ten years together. When he suggests getting a referral for a sex worker to give Harry what he hasn’t been lately, it doesn’t take long for Harry to agree. And then they meet Tom.

🩶 'Sup by MediaWhore @mediawhorefics (7k, G)

Gemma really wants her little brother to sign up for a dating app and get back in the game after a messy divorce. Harry thinks he’s way too old to swipe. They compromise to devastatingly embarrassing results. Meanwhile, all Louis wants is to finish the play he’s been commissioned to write, but one of the regulars at his local coffee shop keeps distracting him. ft. older larry, pushy gemma, harry being a disaster gay and silver fox louis.

🩶 Someone to Fly Home To by kingsofeverything @kingsofeverything (35k, E)

Louis. 55 year old pilot who wants someone to fly home to. Harry swipes right. Or Louis and Harry’s marriage ended more than a decade ago, but fate keeps bringing them back together.

🩶 That's What I'm Here For by taggiecb @taggiecb (46k, E) 

Louis Tomlinson is a dairy farmer on a tiny farm in eastern Canada. His wife of nearly thirty years has left him and his children are all grown up and out of the house. Louis needs help running his business but has no idea where to even start looking. Luckily for him his children know just the man for the job.

🩶 The Devil and the Deep Blue Sea by kingsofeverything @kingsofeverything (109k, E)

Louis’ life is steady and calm, moored by his marriage, and tied to his hometown, but after a chance encounter with another man, it’ll never be the same.

🩶 You Make Lovin' Fun by homosociallyyours @homosociallyyours (110k, E)

Harry is a 28 year old travel writer at a gay magazine who gets the assignment to go a lesbian cruise. She figures it's a nice chance to have some fun in the sun, but she's not expecting much else-- even if her partner and best friend are both encouraging her to hook up with someone while she's there. When she locks eyes with a gorgeous silver fox from across the room, she starts to think she could've been wrong. There are lots of things standing in the way of anything real happening with her and Louis, but that doesn't stop them from falling for one another. True love isn't always easy, but they do make lovin' fun.

[fincrif]

How to Get a Personal Loan in Rural Areas?

In today’s world, access to personal loans is essential, whether you live in urban or rural areas. However, in rural areas, financial inclusion can sometimes be a challenge, with limited access to banking services and personal loan products. Still, it is very much possible to secure a personal loan in rural areas. With the increasing digitization of financial services, many financial institutions are now making it easier for people in rural areas to access personal loans through both traditional banks and fintech apps.

In this article, we will explore how you can apply for a personal loan in rural areas, the requirements, and some tips to improve your eligibility for better loan terms.

1. Understanding the Challenges of Getting a Personal Loan in Rural Areas

While the demand for personal loans is high in rural areas, several factors make getting a loan a bit more challenging:

Limited access to banking services: Rural areas may have fewer bank branches, and some people may not have access to digital banking services.

Low awareness: Many individuals in rural areas may not be fully aware of the various loan products available to them.

Financial instability: Many rural residents may have seasonal income or irregular jobs, which makes it difficult to show consistent creditworthiness.

Low credit scores: A significant number of rural residents might not have a credit history or may have low credit scores, which can hinder approval for loans.

However, despite these challenges, lenders and banks are increasingly offering personal loans tailored to the needs of individuals in rural areas.

2. Steps to Get a Personal Loan in Rural Areas

2.1 Choose the Right Lender

To get a personal loan in rural areas, the first step is to find a lender who offers loans in your area. Traditional banks and Non-Banking Financial Companies (NBFCs) are the two primary sources for personal loans.

Here are some options:

Public Sector Banks (PSBs): Many government banks have branches and financial schemes in rural areas. Banks like State Bank of India (SBI), Punjab National Bank (PNB), and Bank of Baroda offer loans with competitive interest rates.

Private Banks and NBFCs: Private banks like Axis Bank and IDFC First Bank are offering loans in rural areas as well. Some NBFCs like Bajaj Finserv, Tata Capital, and InCred are also extending personal loan services to rural populations.

Fintech Apps: Digital lending apps and peer-to-peer (P2P) lending platforms are increasingly available, allowing rural residents to apply for loans through their mobile phones.

Tip: Look for digital platforms or banks with rural outreach programs to make the loan application process simpler.

2.2 Ensure You Meet the Eligibility Criteria

Lenders will review your eligibility criteria before approving your loan. Here are the basic factors you need to meet to qualify for a personal loan:

Age: Most lenders require you to be between 21 and 60 years old.

Income: You need to have a steady income from a job, farming, or business. Lenders may accept seasonal income, but regular, predictable income can increase your chances of approval.

Employment Status: If you are employed, your employer should have a stable history. Self-employed individuals and farmers may also be eligible if they can show income records.

Credit Score: A credit score of 750+ is ideal, but some banks and NBFCs offer loans for individuals with lower credit scores, especially if they have consistent income and good repayment history.

2.3 Gather the Necessary Documents

To apply for a personal loan, you will need to provide some basic documentation. In rural areas, the documentation process is often streamlined for convenience. The required documents typically include:

Proof of Identity: Aadhaar Card, Voter ID, PAN Card, or Passport

Proof of Address: Utility bills, Bank statements, Aadhaar Card

Income Proof: Salary slips, bank statements, income tax returns, or proof of income from farming or business

Bank Statements: Typically the last 3-6 months of bank statements

Photographs: Passport-sized photographs

Some lenders also allow applicants to apply using their Aadhaar-based eKYC, which simplifies the process.

2.4 Apply Online or Visit the Bank Branch

In rural areas where internet access may be limited, many banks still allow you to apply for personal loans by visiting a local bank branch. However, if you have access to smartphones and internet banking, many banks and NBFCs now offer digital loan applications through their websites or apps.

For traditional banks, visit the nearest branch and submit your application along with the necessary documents.

For NBFCs and fintech apps, download the app, fill in the required details, upload documents, and wait for approval.

2.5 Wait for Loan Approval

Once your application is submitted, lenders will assess your eligibility based on your income, credit score, and other factors. In rural areas, loan approval can sometimes take 2-5 business days, but instant loans from digital platforms may be approved within 24 hours. Some apps even allow immediate disbursal of funds directly to your bank account after approval.

3. Top Lenders Offering Personal Loans for Rural Areas

Here are some of the best lenders offering personal loans to rural borrowers:

3.1 IDFC First Bank

IDFC First Bank is known for offering personal loans with flexible terms. They have a strong presence in rural areas and offer easy documentation and quick processing.

🔗 Apply for IDFC First Bank Personal Loan

3.2 Bajaj Finserv

Bajaj Finserv is an NBFC that offers personal loans with attractive interest rates and easy repayment options. They have expanded their reach to rural India and offer instant loans with minimal documentation.

🔗 Apply for Bajaj Finserv Personal Loan

3.3 Tata Capital

Tata Capital is another reliable option for rural borrowers looking for personal loans. The company offers flexible terms and easy documentation, ensuring that people in rural areas can apply with ease.

🔗 Apply for Tata Capital Personal Loan

3.4 Axis Finance

Axis Finance is known for providing personal loans with quick approval and competitive interest rates. They also offer flexible loan amounts, making them an excellent option for borrowers in rural areas.

🔗 Apply for Axis Finance Personal Loan

3.5 InCred

InCred is a digital lender that offers quick personal loans with flexible terms. With their online application process, borrowers in rural areas can get access to funds quickly.

🔗 Apply for InCred Personal Loan

4. Tips for Getting a Personal Loan in Rural Areas

4.1 Build a Strong Credit Profile

A strong credit score (750+) makes it easier to get approved for personal loans. Pay off existing debts, make timely payments, and keep your credit utilization low.

4.2 Maintain a Steady Income Record

Banks and NBFCs prefer individuals with a steady income. If you’re a farmer or self-employed, ensure you keep detailed records of your income to show lenders that you can repay the loan.

4.3 Be Mindful of Loan Amounts

While you may be eligible for a large loan, borrowing only what you need can help reduce your financial burden and make loan repayment easier.

4.4 Opt for Government Schemes

Some government schemes in rural areas offer subsidized loans or interest rate reductions for farmers, self-employed individuals, and small businesses. Explore these options for additional support.

Getting a Personal Loan in Rural Areas

Getting a personal loan in rural areas is now easier than ever with the growing reach of digital lending platforms and the expansion of traditional banks and NBFCs into rural regions. By following the right steps and choosing the right lender, you can get the financial support you need, even in the most remote locations.

For the best personal loan options, apply here: 👉 Compare & Apply for a Personal Loan

By improving your credit score, maintaining stable income records, and applying through the right channels, you can unlock the benefits of personal loans and handle emergencies or financial goals with ease.

[krishify]

Krishify: The Best Agriculture Community for Farmers in India

Introduction

Agriculture plays a crucial role in India’s economy, and with the rapid advancements in technology, farmers now have access to digital platforms that provide support, resources, and community engagement. Krishify is one such revolutionary platform that serves as a robust agriculture community for farmers. It helps farmers connect, share knowledge, and gain access to the latest updates in the agricultural sector.

The Importance of an Agriculture Community

An agriculture community is essential for farmers as it allows them to interact with fellow farmers, agronomists, and industry experts. It provides a space where they can share their experiences, discuss crop-related issues, and seek guidance on modern farming techniques. The Farmers Network created by Krishify bridges the knowledge gap and helps improve agricultural productivity.

Krishify: The Best Agriculture App for Farmers

Krishify is regarded as the best agriculture app in India, offering a comprehensive suite of features that benefit farmers in multiple ways:

Farmer-to-farmer networking: Farmers can interact and exchange ideas with others across India.

Expert consultations: Access to agricultural experts for personalized guidance.

Market price updates: Farmers get real-time updates on crop prices to make informed selling decisions.

Weather forecasts: Crucial weather updates help in planning agricultural activities.

Government schemes and subsidies: Awareness about various government schemes and financial assistance programs.

Why Krishify is the Best App for Farmers in India

For farmers looking for a reliable and efficient app for farmers in India, Krishify provides unmatched benefits:

User-friendly Interface: The app is designed keeping in mind the convenience of farmers, ensuring easy navigation.

Multilingual Support: Farmers can access information in their preferred regional language.

Wide Range of Agricultural Topics: Covers topics like organic farming, pest control, soil health, and more.

Community Engagement: Farmers can join discussions, ask questions, and get answers from experienced individuals.

Krishify: A Leading Farmer App in India

Among various Farmer apps in India, Krishify stands out due to its extensive database of agricultural information and active participation from farmers nationwide. It ensures that farmers stay updated with the latest trends, best practices, and technological advancements in farming.

Agri Apps in India: Transforming the Farming Landscape

The rise of Agri Apps in India has transformed traditional farming methods by introducing digital solutions. Krishify, with its innovative features, has contributed significantly to:

Reducing dependency on middlemen: Farmers can directly access market trends.

Encouraging smart farming techniques: Use of AI and IoT for improved yield.

Enhancing farmer collaboration: Strengthening farmer-to-farmer learning and engagement.

Conclusion

Krishify is revolutionizing the way farmers interact and grow in the agricultural sector. By providing an extensive Farmers Network, real-time updates, and expert consultations, it has emerged as the best agriculture app in India. Farmers seeking an advanced app for farmers in India should undoubtedly explore Krishify for better agricultural productivity and success.

[cakeofhorrors]

Domestic Chloe Frazer

( chloe x f! reader)

ㅤ

a/n: it's pride month and i love chloe sooo here we are! this is a companion piece to @nathandrakeisabottom and @durrtydawg with their own domestic headcanons for the drake brothers — please give them a read if you haven't already! this was made with post lost legacy! chloe in mind so if she's a little ooc, that's my bad. if this does well, i'll think of making one for nadine also because she too is my wife. no proof reading, we die like asav.

ㅤ

Chloe takes so many photos of you. If there's an opportunity, whether you're on a trip or the lighting hits you just right, she's whipping out her phone and taking one of the best photos you've ever seen. Seriously, she could be a professional photographer.

When her phone is left unattended, you go into the camera app and take silly photos of yourself and then place it back down like nothing happened. So, when she looks at her photos again, she can't help the smile making its way on her face. real cute.

Her screensaver is in fact a picture of you and her on one of your outings. god, you both look so happy. She looks so happy. Who would've thought that this life fit her well?

You two live in a lovely apartment together. You have your shared bedroom, an office for Chloe, a room where Chloe (and you) can do her yoga and meditations, a living room, a kitchen, and a dining table fit for two people.

Children aren't something neither of you want at the moment. But fur babies are on the table.

You two get a cat. Maybe even a dog. Maybe even at the same time. She lets you name them, but she'll give them nicknames and it's just the cutest thing ever.

Yoga mornings!! Chloe is your workout buddy through and through. She teaches you some basic yoga poses, encouraging you when one pose is a bit more tough than another one. Zero judgement from her.

she'll even correct your posture if you allow her and it never NOT makes you feel all warm inside—

"Just like this, darling… there you go. I knew you could do it."

Lazy mornings with her are the best. You love how peaceful she looks in her sleep, so content to be able to wake up to this sight nearly every day. Your staring always goes noticed though because a smile will always show up on Chloe's face.

"I can feel your eyes on me, love." "Can I not stare at my beautiful girlfriend that I love oh so much?"

You proceed to give pepper her face with kisses, the final one being on her lips. God You Love Her So Much!!!

You two switch between Big Spoon and Little Spoon. Chloe can be primarily the big spoon, but I strongly believe she wants to be held just as much. Please hold her and run your fingers through her hair.

Will absentmindedly braid strands of your hair. If you don't have any hair on your noggin, she'll go back-to-back with you, let her ponytail out, and make it seem like you now have luscious black locks.

Self-Care Evenings!! The two of you always do a facial at least once every couple week together. She'll share her tips with you on how she maintains her hygiene and vice versa. Seriously drop that hair routine, Chloe.

Sometimes you use her bodywash or shampoo, especially if she's away on a job. You just love how she smells. She smells like jasmine and green undertones.

One time when you got out of the shower and went into bed for the night, Chloe catches a whiff of you and gives you a knowing smirk. Oh, mama.

Occasional dance parties. Like, if you're doing chores and the radio plays one of your two's favorite songs, you're pulling the other in and putting on the best performance the unwashed dishes have ever seen.

Shopping dates. Even if it's for groceries and the basics, you two are always hand in hand. Some days, you even go to the farmer's market together. I strongly believe Chloe would love a farmer's market.

With handholding in mind, I don't think she goes heavy with PDA but if you're into it, she'll oblige. This doesn't mean she hates it. But if someone is getting a little too friendly with you, she'll put a hand on your hip and pull you in close to her side, rubbing circles into your side as she gives whoever that charming smile of hers. A silent way of saying "You're far out of her league, mate."

You two get a jewelry making kit and the both of you make bracelets for the other to wear. It never comes off either of you or if it does, it's with great hesitance.

Many yap sessions between the two of you. Hearing one another talk is just the best thing. Especially when you're resting your head on Chloe's lap and she plays with your hair, nails scrapping along your scalp just right that it nearly makes you fall asleep.

Chloe gets a little bashful whenever you play with her scars. You look at them with such childlike wonder that it makes her feel like you're the one who found the greatest treasure.

ALL THE NICKNAMES. Darling, Sweetheart, Sweetie, Hon, My Treasure, Sunshine, whatever gets you smiling like an idiot, she will call you it!

If you call her a pet name right back, she'll let out a chuckle but trust me when I say that her heart throbs. Sometimes she just wants to eat you up from how adorable you are.

And she will eat you up. that tongue of hers is no joke. and then when she comes back up with your juices coating her mouth with that smile of hers, you almost die right then and there.

She's a lot softer in bed. As in, she wants you to know that even if she has you choking on her strap, she lets you know that she utterly adores you.

"What a beaut… you make me the happiest girl in the world; you know that right?"

Aftercare with Chloe is always a must. She makes sure you're alright before cleaning up. If you need water, she'll get it for you. A snack? You got it. Just five more minutes of cuddling? Anything for you.

The Queen of Flavors. The first time you ate a meal she made; you dramatically deleted your food delivery apps. The flavors… they melt on your tongue. She knows exactly how much spice is needed, if something is too runny or just right, she is very proud of her craft. Her food has SOUL!!!!!! you will never go hungry again.

If you ever surprise her with a romantic dinner, she'll think about proposing right then and there. It doesn't even matter if you're a shit cook or not, the gesture alone is enough to make her feel special.

Chloe never thought she would settle down, too busy running. But now, she's tired of running. She's happy staying right next to you.

closing notes: welp, here it is! i hope the chloe lovers liked this. finished this in one night so HOPEFULLY it's decent!