#could be modern:

[lonelyvampx]

Ewan Mitchell & Tom Glynn Carney ✯

that silly dance at the end and Ewan's smile

[sukinapan]

[the-palelady]

it’s hard for simon to focus on anything other than the way water glides down the expanse of your softened hips, your curves swaying with each move you make.

the man is literally drooling when you bend over to place your bar of soap back where it belongs, breasts bouncing, glistening in the lights of the bathroom when you straighten. residual soap drifts down your arms, legs, the top of your chest, down the planes of your round tummy.

and it’s when you turn that simon realizes you’ll be the death of him.

he knew this from the beginning of course, honeyed eyes watching the curl of your lips when you first graced him with your smile, the sun peaking out from behind the darkest of clouds.

but it’s now, you standing here swollen with his child, that he feels those rain clouds disperse. the final puzzle piece sliding into place.

you turned, eyebrows raised in question as simon looks down at you, his eyes mimicking that of a man starved.

“si? is everything alright?”

he was sure he looked like an idiot, smirking down at you in such a boyish way while he placed his hands at the dip of your hips, one hand snaking down to squeeze the plump of your ass. he was met with a squeak and a playful smack to his arm as you leaned into him, breasts flattening against his chest.

he didn’t mean for his voice to sound so full of hunger, but it was hard when you looked up at him under those fluttering lashes of yours.

“s’nothin’, mama. just thinkin’ ‘bout what i want for dinner tonight.”

[phantomrose96]

Actually I have a post I want to make about Property Value.

Which is a topic that comes up a lot in discussions of rich people hoarding wealth, in NIMBY panics, and in the ever-increasing prices of homes. But I don't think we talk much about how the perniciousness of property value goes deeper and basically holds middle class people who own a home hostage.

So to set some context here: in 2025 the median US home sold for $416,000. Say you have a working class family who can't meet median, but who scraped and saved and penny-pinched their way to a $300,000 home.

Typically, when buying a first home, you pay 20% down directly, and take 80% out as a mortgage from the bank. For this family, that means $60,000 of their liquid money (and let's say it took them 10-15 years to save that amount), and a $240,000 loan from the bank.

That's $240,000 in debt the family is. Which will be repaid over 30 years, with interest, at a rate that usually means for the lifetime of the loan, they end up paying back double the original loan.

However this massive $240,000 debt is generally considered "okay" debt to have, because it's backed by the house. If things go truly sour, the bank can take the house (and what's a little homelessness between friends).

That $60,000 the family put down is considered equity, and equity is money you "have", but isn't accessible.

Scenario: Now let's say something happens. Someone in the family loses their job, and the only job they can find requires moving. Or a family member across the country can't care for themselves anymore and so this family needs to move to be closer to them. The family gets divorced. Someone in the family is allergic to material in the home. Someone in the family is being stalked or abused and needs to leave the town. Anything at all, which would require selling the home and moving.

Case 1: The family is able to sell it for exactly what they paid (same property value, no increase or decrease). You would think the math is clean. They are paid $300,000 for the house. $240,000 repays the bank loan. The remaining $60,000 of equity goes right back to them. And they can use it (which took 10+ years to save up) to move across the country and buy a different $300,000 house.

Except no, it does not work like that.

The seller of a home is on the hook to pay commission to their realtor and the buyer's realtor. This is usually ~6% of the home value. They have to pay legal costs. There are taxes. There are miscellaneous costs. It can easily be 6-9% of the selling price of the house.

The bank NEEDS its $240,000 back. So those costs come from the equity. This family is not getting their $60,000 back. They're getting $30,000-$45,000, and now no longer enough money for a downpayment in their move. They're back to renting. Back to penny pinching. They can get by, but homeownership is now out of their grasp once more. Maybe in another 5 years, they'll have enough (unless home prices have increased too much by then) then they'll maybe never be homeowners again.

Case 2: The property value has DECREASED... Family is only getting offers in the $260,000 range.

If the family accepts a $260,000 sale, well $240,000 goes to the bank. This is genuinely non-negotiable. And that leaves.... maybe not enough money to even close on the house. Not enough to pay the realtors and the fees.

That $60,000 is wiped out, and the family is incapable of moving. Never mind losing 10+ years of savings--they're below $0. They don't have the money to close. It's financially impossible to sell. They are stuck with the mortgage. They are stuck with the house. (Maybe they'll rent it, if they can. And now they're landlords by circumstance, which is often NOT profitable when you're not a trust fund baby renting out a totally-paid-for no-mortgage home.) But whatever the case, they cannot sell it. And if the reason for selling was a job loss... well, they can be homeless soon. And if the property value dropped below $240,000, they can be homeless AND owe a bank debt. A $60,000 nest egg wiped completely out, with a bank debt owed on top of that.

So how do people avoid financial destitution when moving?

The most sensible answer is building up equity by paying down the loan--but it's important to know that mortgages are super interest heavy in the early life of the loan. With a 5% interest rate (BETTER, btw, than current rates) this family would be paying $15,460 the first year, and only $3,540.88 is actually chipping at that $240,000 principle. The other $11,919.59 was pure interest to the bank.

So after 1 year, the family went from having $60,000 equity in the house to $63,540.88 equity in the house. This buys a little extra wiggle room when juggling closing costs. But not very much. Even after 3 years, the family has just a little over $70,000 of equity, and just under $230,000 still left on the loan. So if the family has to move for any reason (sickness! death! job loss!) in those 3 years, it's probably financially devastating.

But there is a second answer to avoiding financial ruin: and that is Property Value going up.

Any amount of property value increase is PURE equity. The bank only cares about the amount of money it gave you. If after 3 years, that house is now worth (and can sell for) $315,000 (which is appreciation of only 1.6% a year. Most home appreciation is closer to 3%), that's more equity increase than they got from 36 diligent months of mortgage payment.

If they can sell for $315,000, pay $230,000 of that to the bank, that leaves $85,000. $25,000 goes to paying the realtors and the closing costs and.... the family is back to their $60,000 downpayment. Not trapped. Able to sell. Able to buy a new $300,000 home in the place they moved. Able to just maintain homeownership status.

But wait, if their home appreciated to $315,000, didn't all the other homes do the same, so now $60,000 isn't enough

Smart eye, lad! You've identified why this is a TERRIBLE rat race for the people scraping money together to live, and is ONLY a profitable leisure activity for rich people who sell homes like collectables.

Now because the increase is pure equity, a similar family with decent property value increase can funnel that extra equity into affording to meet the new higher down payment (remember the downpayment is only 20%, so even if the new place is similarly higher in property value, you only need to match that increase 20% for the downpayment). Which gets their foot in the door. But now their new mortgage is higher than the old one. More expensive. More interest.

But there is a losing scenario here--if home property values increased everywhere else, but not where you live. Then this family is back to surrendering homeownership. Because even if they can sell their place, they can't buy the next home.

It forces them to care about their own Property Value increase because, if it doesn't increase while everywhere else does, it traps them.

So what do I mean by all this

If the value of all homes dropped 50% overnight, I assume most people here would celebrate. Affordable homes! Rich people upset and crying! So much to love.

But in reality, that 50% drop would likely continue to mean no home for most of us, because the people who could sell you the homes would be financially incapable.

For the family above with the $240,000 mortgage, that mortgage does not reach halfway-paid-off until year 20 of the 30 year mortgage (remember the interest frontloading). If a family still owes $230,000 in bank loans on a place that can only sell for $150,000, they can't sell it to you. That house is the bank's collateral securing the loan. Their mortgage is underwater. They're trapped. They cannot sell it. You cannot have it.

Something similar happened in the 2008 subprime mortgage crisis, and the only people who got out okay were ones who could stay the course, keep making the mortgage payments, and wait it out long enough for property value to recover.

Those who couldn't got foreclosed on. Those who couldn't were left in financial devastation.

So in conclusion?

Banks profit off of mortgages. Rich people profit off of hoarding housing stock and selling it as the property value increases. Real estate companies profit off of home sales. And the regular people, who managed to achieve home ownership, are shackled to the price-go-up system to avoid financial ruin. They're forced to care about their property value because it is the singular determinant of whether they're trapped in place, whether they'll be okay if they lose their job, whether they could move due to an important life event.

It's a profit system for the rich where the cogs are middle class people who could achieve homeownership, running a machine where every single crank locks the poorer and younger generations out of home ownership forever.

[metallictastinglifesupportliquid]

Price, texting: Can you come collect your freak of a boyfriend please Price: He's doing things Y/N: No I set him loose on purpose Y/N: He needs enrichment

[itscherryterry-again]

This Barbie bites !

[araneapeixes]

lesbian bed death - goth girls are easy

This art is now available as a print <3

[egophiliac]

can't believe that skeleman has turned on us, and Halloween Prom is tomorrow.

(what a top-tier UM...we are about to be just totally obliterated in the absolute silliest way. what possible use could this power have outside of bringing us to the brink of utter holiday disaster.)

[aeolianblues]

Two Ontarians came together and created the awesomest new musical instrument??

One guy is a musician from Ottawa and has been toying with the design of a new instrument for 30 years, then he met a clockmaker and woodworker from Guelph who was eager to make this instrument a reality.

And it's absolutely beautiful. It's cylindrical and played with a bow, 10 equally spaced strings that you bow in different spots to change tensions and make a sound.

And the genius of it musically, is that it's cyclical so as you keep rotating the cylinder, you come back round to the first notes you struck (if you keep your bow still), and so you get these rhythmic, periodic repeating patterns that sound really ethereal, calming and hypnotic.

Apparently it made some listeners cry, and I was surprised before hearing it. Skilled playing can make people cry, sure. Melodies, harmonies, all that stuff, definitely. The open instrument itself? If you just eyeballed bowing a cello you'd drive people far away, I'd reckon. I certainly would.

But I saw a clip of it in action, I can definitely see it now.

They called the instrument Fron2. A new Canadian musical instrument!

[sabertoothwalrus]

you guys asked for more tallman/modern au chilshi. I was gonna do a whole lore dump with all my headcanons but it ended up being bullshit comics

[pebblume]

pots n picks week day 6: bartender au

based on this wonderful fic by saeo on ao3! go support them!!

[cozylittleartblog]

Columbo and the Knight (1984)

put me in the universe where Columbo ran through the 1980s and had a crossover episode with Knight Rider. I think they deserved it, and I am not just saying that because they're my two favorite Old Shows. @telebeast wrote a little fanfic blurb about it and I HAD to visualize it into a comic (which is also the longest comic I have finished thus far at five pages...), so writing credit goes to them.

Autism W!

[blanchebees]

Ghost relaxing

Tip jar

[temeyes]

johnny (headshots)

[rookanisstuff]

The Dellamortes

[marzipanandminutiae]

I hate "it's not trying to be accurate!" arguments for historical fiction or historically-inspired fantasy clothing choices that just. don't make sense logistically

why is that girl in Br*dgerton tightlacing her stays? what is she reducing- her upper ribcage? not only can you not tightlace in those (hand-bound eyelets can't usually take that strain, in my experience), but there's no reason to because your waistline is under your boobs. and unlike most of the series, they actually commit to the empire waistline for the court presentation gowns. small waists don't matter when NOBODY IS SEEING YOUR WAIST

why no chemise, in so many productions? fantasy/lack of concern for accuracy can't make things not chafe. chafing is not a matter of accuracy; it's a physical reality. did a wizard give everybody in the kingdom Anti-Chafing Spells?

just because you don't WANT a linen underlayer beneath a medieval tunic doesn't mean sweat won't get to outer garments and damage them- or make them need laundering, which weakens the fibers -at a time when all clothing is handmade, custom-fitted, and created from hand-woven fabrics and thus a HUGE investment

you're not just throwing accuracy to the winds as a design choice; you're ignoring How Textiles And Bodies And the Realities of Your Technology Level's Fabric and Laundering Capabilities Work