#how to secure loan

[vonepk]

Secure your expenses with small loans

Small loans are a type of financing that provides individuals with a small amount of money to cover various expenses. They are usually obtained through financial institutions, such as banks or credit unions, and have lower interest rates and shorter repayment periods compared to larger loans. The purpose of this blog is to educate readers on the benefits of small loans and how they can be used to…

[arts-i-enjoy]

AHHHHHH

[clowningaroundmars]

just enrolled in my job's 401k, opened a brokerage acct and will invest in an IRA soon after that account is all set 😌

#adultthings #adulting #adultlife #allgrownup #ifuckinghatecapitalismbutihavetodothisagainstmywill #midlifecrisis #girlboss #financeguru

[theabstruseone]

I slept in and just woke up, so here's what I've been able to figure out while sipping coffee:

Twitter has officially rebranded to X just a day or two after the move was announced.

The official branding is that a tweet is now called "an X", for which there are too many jokes to make.

The official account is still @twitter because someone else owns @X and they didn't reclaim the username first.

The logo is 𝕏 which is the Unicode character Unicode U+1D54F so the logo cannot be copyrighted and it is highly likely that it cannot be protected as a trademark.

Outside the visual logo, the trademark for the use of the name "X" in social media is held by Meta/Facebook, while the trademark for "X" in finance/commerce is owned by Microsoft.

The rebranding has been stopped in Japan as the term "X Japan" is trademarked by the band X JAPAN.

Elon had workers taking down the "Twitter" name from the side of the building. He did not have any permits to do this. The building owner called the cops who stopped the crew midway through so the sign just says "er".

He still plans to call his streaming and media hosting branch of the company as "Xvideo". Nobody tell him.

This man wants you to give him control over all of your financial information.

Edit to add further developments:

Yes, this is all real. Check the notes and people have pictures. I understand the skepticism because it feels like a joke, but to the best of my knowledge, everything in the above is accurate.

Microsoft also owns the trademark on X for chatting and gaming because, y'know, X-box.

The logo came from a random podcaster who tweeted it at Musk.

The act of sending a tweet is now known as "Xeet". They even added a guide for how to Xeet.

The branding change is inconsistent. Some icons have changed, some have not, and the words "tweet" and "Twitter" are still all over the place on the site.

TweetDeck is currently unaffected and I hope it's because they forgot that it exists again. The complete negligence toward that tool and just leaving it the hell alone is the only thing that makes the site usable (and some of us are stuck on there for work).

This is likely because Musk was forced out of PayPal due to a failed credit line project and because he wanted to rename the site to "X-Paypal" and eventually just to "X".

This became a big deal behind the scenes as Musk paid over $1 million for the domain X.com and wanted to rebrand the company that already had the brand awareness people were using it as a verb to "pay online" (as in "I'll paypal you the money")

X.com is not currently owned by Musk. It is held by a domain registrar (I believe GoDaddy but I'm not entirely sure). Meaning as long as he's hung onto this idea of making X Corp a thing, he couldn't be arsed to pay the $15/year domain renewal.

Bloomberg estimates the rebranding wiped between $4 to $20 billion from the valuation of Twitter due to the loss of brand awareness.

The company was already worth less than half of the $44 billion Musk paid for it in the first place, meaning this may end up a worse deal than when Yahoo bought Tumblr.

One estimation (though this is with a grain of salt) said that Twitter is three months from defaulting on its loans taken out to buy the site. Those loans were secured with Tesla stock. Meaning the bank will seize that stock and, since it won't be enough to pay the debt (since it's worth around 50-75% of what it was at the time of the loan), they can start seizing personal assets of Elon Musk including the Twitter company itself and his interest in SpaceX.

Sesame Street's official accounts mocked the rebranding.

[quicknews24]

7 Game-Changing Benefits of Secured Debt Consolidation Loans

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[phantomrose96]

If anyone wants to know why every tech company in the world right now is clamoring for AI like drowned rats scrabbling to board a ship, I decided to make a post to explain what's happening.

(Disclaimer to start: I'm a software engineer who's been employed full time since 2018. I am not a historian nor an overconfident Youtube essayist, so this post is my working knowledge of what I see around me and the logical bridges between pieces.)

Okay anyway. The explanation starts further back than what's going on now. I'm gonna start with the year 2000. The Dot Com Bubble just spectacularly burst. The model of "we get the users first, we learn how to profit off them later" went out in a no-money-having bang (remember this, it will be relevant later). A lot of money was lost. A lot of people ended up out of a job. A lot of startup companies went under. Investors left with a sour taste in their mouth and, in general, investment in the internet stayed pretty cooled for that decade. This was, in my opinion, very good for the internet as it was an era not suffocating under the grip of mega-corporation oligarchs and was, instead, filled with Club Penguin and I Can Haz Cheezburger websites.

Then around the 2010-2012 years, a few things happened. Interest rates got low, and then lower. Facebook got huge. The iPhone took off. And suddenly there was a huge new potential market of internet users and phone-havers, and the cheap money was available to start backing new tech startup companies trying to hop on this opportunity. Companies like Uber, Netflix, and Amazon either started in this time, or hit their ramp-up in these years by shifting focus to the internet and apps.

Now, every start-up tech company dreaming of being the next big thing has one thing in common: they need to start off by getting themselves massively in debt. Because before you can turn a profit you need to first spend money on employees and spend money on equipment and spend money on data centers and spend money on advertising and spend money on scale and and and

But also, everyone wants to be on the ship for The Next Big Thing that takes off to the moon.

So there is a mutual interest between new tech companies, and venture capitalists who are willing to invest $$$ into said new tech companies. Because if the venture capitalists can identify a prize pig and get in early, that money could come back to them 100-fold or 1,000-fold. In fact it hardly matters if they invest in 10 or 20 total bust projects along the way to find that unicorn.

But also, becoming profitable takes time. And that might mean being in debt for a long long time before that rocket ship takes off to make everyone onboard a gazzilionaire.

But luckily, for tech startup bros and venture capitalists, being in debt in the 2010's was cheap, and it only got cheaper between 2010 and 2020. If people could secure loans for ~3% or 4% annual interest, well then a $100,000 loan only really costs $3,000 of interest a year to keep afloat. And if inflation is higher than that or at least similar, you're still beating the system.

So from 2010 through early 2022, times were good for tech companies. Startups could take off with massive growth, showing massive potential for something, and venture capitalists would throw infinite money at them in the hopes of pegging just one winner who will take off. And supporting the struggling investments or the long-haulers remained pretty cheap to keep funding.

You hear constantly about "Such and such app has 10-bazillion users gained over the last 10 years and has never once been profitable", yet the thing keeps chugging along because the investors backing it aren't stressed about the immediate future, and are still banking on that "eventually" when it learns how to really monetize its users and turn that profit.

The pandemic in 2020 took a magnifying-glass-in-the-sun effect to this, as EVERYTHING was forcibly turned online which pumped a ton of money and workers into tech investment. Simultaneously, money got really REALLY cheap, bottoming out with historic lows for interest rates.

Then the tide changed with the massive inflation that struck late 2021. Because this all-gas no-brakes state of things was also contributing to off-the-rails inflation (along with your standard-fare greedflation and price gouging, given the extremely convenient excuses of pandemic hardships and supply chain issues). The federal reserve whipped out interest rate hikes to try to curb this huge inflation, which is like a fire extinguisher dousing and suffocating your really-cool, actively-on-fire party where everyone else is burning but you're in the pool. And then they did this more, and then more. And the financial climate followed suit. And suddenly money was not cheap anymore, and new loans became expensive, because loans that used to compound at 2% a year are now compounding at 7 or 8% which, in the language of compounding, is a HUGE difference. A $100,000 loan at a 2% interest rate, if not repaid a single cent in 10 years, accrues to $121,899. A $100,000 loan at an 8% interest rate, if not repaid a single cent in 10 years, more than doubles to $215,892.

Now it is scary and risky to throw money at "could eventually be profitable" tech companies. Now investors are watching companies burn through their current funding and, when the companies come back asking for more, investors are tightening their coin purses instead. The bill is coming due. The free money is drying up and companies are under compounding pressure to produce a profit for their waiting investors who are now done waiting.

You get enshittification. You get quality going down and price going up. You get "now that you're a captive audience here, we're forcing ads or we're forcing subscriptions on you." Don't get me wrong, the plan was ALWAYS to monetize the users. It's just that it's come earlier than expected, with way more feet-to-the-fire than these companies were expecting. ESPECIALLY with Wall Street as the other factor in funding (public) companies, where Wall Street exhibits roughly the same temperament as a baby screaming crying upset that it's soiled its own diaper (maybe that's too mean a comparison to babies), and now companies are being put through the wringer for anything LESS than infinite growth that Wall Street demands of them.

Internal to the tech industry, you get MASSIVE wide-spread layoffs. You get an industry that used to be easy to land multiple job offers shriveling up and leaving recent graduates in a desperately awful situation where no company is hiring and the market is flooded with laid-off workers trying to get back on their feet.

Because those coin-purse-clutching investors DO love virtue-signaling efforts from companies that say "See! We're not being frivolous with your money! We only spend on the essentials." And this is true even for MASSIVE, PROFITABLE companies, because those companies' value is based on the Rich Person Feeling Graph (their stock) rather than the literal profit money. A company making a genuine gazillion dollars a year still tears through layoffs and freezes hiring and removes the free batteries from the printer room (totally not speaking from experience, surely) because the investors LOVE when you cut costs and take away employee perks. The "beer on tap, ping pong table in the common area" era of tech is drying up. And we're still unionless.

Never mind that last part.

And then in early 2023, AI (more specifically, Chat-GPT which is OpenAI's Large Language Model creation) tears its way into the tech scene with a meteor's amount of momentum. Here's Microsoft's prize pig, which it invested heavily in and is galivanting around the pig-show with, to the desperate jealousy and rapture of every other tech company and investor wishing it had that pig. And for the first time since the interest rate hikes, investors have dollar signs in their eyes, both venture capital and Wall Street alike. They're willing to restart the hose of money (even with the new risk) because this feels big enough for them to take the risk.

Now all these companies, who were in varying stages of sweating as their bill came due, or wringing their hands as their stock prices tanked, see a single glorious gold-plated rocket up out of here, the likes of which haven't been seen since the free money days. It's their ticket to buy time, and buy investors, and say "see THIS is what will wring money forth, finally, we promise, just let us show you."

To be clear, AI is NOT profitable yet. It's a money-sink. Perhaps a money-black-hole. But everyone in the space is so wowed by it that there is a wide-spread and powerful conviction that it will become profitable and earn its keep. (Let's be real, half of that profit "potential" is the promise of automating away jobs of pesky employees who peskily cost money.) It's a tech-space industrial revolution that will automate away skilled jobs, and getting in on the ground floor is the absolute best thing you can do to get your pie slice's worth.

It's the thing that will win investors back. It's the thing that will get the investment money coming in again (or, get it second-hand if the company can be the PROVIDER of something needed for AI, which other companies with venture-back will pay handsomely for). It's the thing companies are terrified of missing out on, lest it leave them utterly irrelevant in a future where not having AI-integration is like not having a mobile phone app for your company or not having a website.

So I guess to reiterate on my earlier point:

Drowned rats. Swimming to the one ship in sight.

[leadmeastraylittlefairy]

i would love for my apartment to tell me how much my rent increase is gonna be

[assetalliance]

Apply for best Business loan in UAE

Apply For Best Business loan in UAE

About

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[sensualnoiree]

1st House: The Helm This is where your spiritual energy and identity take the spotlight. The 1st House governs your appearance, personality, and vitality—the essence of how you project yourself to the world. It’s your steez, your approach to life, and the first impression you make on others. The 1st House is all about beginnings, the mask you may unknowingly wear, and how you come to know yourself on a deep authentic level. The captain of this ship is the ruling planet of the zodiac sign residing there.

2nd House: Gate of Hades Your values, self-esteem, and ability to attract wealth are all tied to the 2nd House. This is where your personal resources, possessions, and financial matters come into play. The foods you eat, your saving and spending habits, and your sense of self-worth are all part of this house. It’s where your style and material wealth are rooted, reflecting how you value yourself and what you own. This house represents how you sustain for yourself, how you support all that the first house needs of you to be who you are.

3rd House: Goddess The 3rd House is the domain of communication, early education, and the mind. It governs how you gather and process information, your intellect, and your interactions within your community. This house also encompasses your relationships with siblings, short travels, and technical skills. It’s the space where your to-do list and daily mental activities take shape.

4th House: Subterranean Deeply connected to your roots, the 4th House represents your home, heritage, and ancestry. It’s where your inner life and sense of security are nurtured, influenced by your upbringing and relationship with your parents—especially the mother. This house also relates to land, generational gifts, and knowledge passed down through the family. It’s a space of femininity and the feminine energies in your life. This is the lowest point of the birth chart and can be fairly private and personal-as opposed to the 10th house. It holds up the rest of the chart and is incredibly important in terms of learning about our sense of security/stability emotionally, spiritually, and physically.

5th House: Good Fortune Joy, creativity, and self-expression flourish in the 5th House. This is where you experience the pleasures of life—love affairs, children, art, and entertainment. It’s the house of flirtation, play, and drama, where your passions come to life. The 5th House also governs leisure activities, fertility, and the pursuit of happiness through creative endeavors. A sense of nostalgia lives here too.

6th House: Bad Fortune The 6th House deals with work, health, and daily routines. It’s the space of labor, servitude, and the duties that never seem to end. This house also governs how you care for your body, deal with illness and injury, and interact with employees or pets. It’s where the unexpected challenges in life arise, requiring your attention and resilience. Look here for understanding on what great works you may find yourself committing to.

7th House: Setting Place Relationships take center stage in the 7th House. This is where you finally begin to truly engage with others, forming long-term commitments, whether in marriage, partnerships, or friendships. It’s the house of open enemies, where you face the other in life. The 7th House also governs relaxation, romance, and the deep bonds that define your connections with others.

8th House: The Idle Place Death, transformation, and shared resources are key themes in the 8th House. It’s where you confront karma, contracts, and generational lessons. This house also deals with loans, debts, and the deep psyche—the mysteries and fears that lie beneath the surface. The 8th House is a place of soul material, where you explore the unseen and the unknown. Here, you face all consequences-positive & negative- of the 7th house and the relationships, contracts, and potential enemies made there. This is the house of others esteem of you, opposite of the 2nd.

9th House: House of God The 9th House is your portal to higher knowledge, philosophy, and spiritual exploration. It governs your worldview, ethics, and the pursuit of truth through study, travel, and discovery. This house is where you connect with religion, spirituality, and the higher mind, expanding your understanding of the world and your place in it.

10th House: House of Praxis Your public life, reputation, and career are shaped by the 10th House. It’s where you strive for honor, recognition, and achievements that define your legacy. This house also relates to your relationships with authority figures, particularly the father, and how you navigate the public sphere. The 10th House is where your goals, fame, and business acumen are realized. Sitting at the very top of the chart, like the sun at noon high in the sky, all can see you here.

11th House: Good Spirits In the 11th House, your hopes, dreams, and social networks come to life. This house governs your friendships, group affiliations, and the communities you belong to. It’s where you connect with humanity, receive sudden blessings, and find support in your aspirations. The 11th House is also associated with gifts, riches, and the imagination needed to dream big.

12th House: Bad Spirits The 12th House is a place of retreat, isolation, and self-undoing. It’s where you confront your inner shadows, secrets, and hidden enemies. This house governs institutions, mental health, and the need for solitude or seclusion. It’s also a space of psychological development, where you deal with endings, sickness, and the unseen forces that shape your life journey. This house is in a blind spot to the first house of Self and that is why we can be blind to the very things that reside here. Its not so much that these things seek out to destroy you but any area of your life your are deeply unaware of can come back and disorientate you from who you believe yourself to be.

follow for more astro insights like this and head on over to @quenysefields or my etsy --> sensualnoiree to grab my new astrology guidebook on reading your own natal chart :)

[thebesthomelender]

What are ITIN loans?

Apart from the fact that most lenders do not offer ITIN loans, what are some things that might help you get approved for one, or help your real estate clients receive an ITIN loan? First off, what is an ITIN? It is a number issued by the IRS for non-resident aliens, an Individual Taxpayer Identification Number. Since it resembles a social security number, it is often confused as being a social.…

[auroralwriting]

poker face

spencer reid x fem!bau!reader

spencer and you go to the casino to find the unsub. you think he looks pretty hot playing poker.

word count: 2.0k

warnings: making out, gambling, poker face spencer aghhh

"Forensics got a fingerprint match on the last victim. Eddie Langdon. We're looking into him." You said as you walked back into the office that held some of your team members.

Hotch came in behind you, "Hey, any luck?" Emily asked.

"No, they don't want to allocate agency funds for the buy-in. I'm still working on it." Hotch replied, looking down to his phone as he got back on another call.

Rossi chuckled, "Well, I can't imagine why not. We're only asking for fifty thousand bucks of taxpayer money so that FBI agents can play Texas hold 'em."

Emily eyed Rossi, "Hey, what about you?"

"What about me? What?"

"You could stake us the buy-in." Emily smirked.

Spencer sat down next to you, "Yeah, you're a best-selling author."

You nodded enthusiastically, "Don't forget a best-selling author and longtime FBI agent. You could loan us the money, or something."

"No," Rossi shook his head.

"Why not?" Emily frowned.

"One, it's against regulations, and I'd like to hold on to this job for a little while longer." Rossi began.

Under your breath, you muttered, "It's just a little violation, 's all."

Rossi just rolled his eyes at your comment. "And two, I prefer to spend my money on actual things, like single-malt scotch, a fine cigar, beautiful artwork."

"Poker chips are things!" JJ replied quickly with a smile.

Rossi just scoffed as Spencer spoke up again. "Maybe just think of it as like a new experience. I mean, at your age, how often does that happen?" Oh, no he didn't.

"At my what?" Rossi slowly turned his head to Spencer who just gulped and awkwardly looked away.

"Rossi, this may be our only chance to get this guy." You said slowly. "They government isn't going to give us the money. You're our only way to catch this killer. Please?" You paused for a moment. "And if it helps, you can just write a new book to get some more cha-ching."

Rossi sighed, "All right, fine. But I'm ignoring that last comment. I'm a decent poker player, but I can't promise that I can stay in the game long enough to--"

"You know what?" Emily interrupted. "I bet you're a great poker player, but what if we sent in Reid?"

"I am banned from casinos in Las Vegas, Laughlin, and Parump because of my card-counting ability." Spencer commented as if it was the most casual thing in the whole world.

You raised your hand slightly, "Why did I not know this sooner?"

"Look, I know I'm not a genius like the boy wonder here, but poker is not Blackjack." Rossi argued. "It's about bluffing, reading human nature, head games. It's not math."

That's when Spencer stood up, "That's not entirely accurate. There actually is a mathematical equation for knowing when to raise and when to fold. If P represents the size of the pot at the time of play, then P times N minus one, with N representing the estimated number of players in the final round of betting--"

"Okay! Fine, I surrender!" Rossi cut Spencer off quickly. "Just try not to lose all my money. Actually, you know what?" Rossi quickly spoke your name. "Take her with you, I don't want you losing all my money and if she needs to interrupt the game, then so be it."

Your eyes widened, "Rossi, I've never stepped foot into a casino in my life."

"You'll be fine!" Rossi waved it off as Spencer gave you a comforting look.

Oh, this was not what you expected at all.

Spencer and you had to get checked by security with the handheld metal detectors. Yours didn't go off, but Spencer's did. He played it off as just a pen. Thank god they accepted that.

The two of you walked in. For someone who stared at dead bodies and killers all day, this was the most nerve wracking thing you'd experienced in a while. It also didn't help that Hotch decided you and Spencer were to play a couple when you had such a big crush on him.

"Hey," Spencer muttered, "It's okay."

"Just nervous," You replied under your breath. The two of you made your way to the bar. Spencer got himself a drink, and you got some champagne. "Is it really just math?"

Spencer nodded, "Math, and a little bit of luck."

The moment you felt Spencer take your hand, you tried to pull away. "Spencer, what about germs--"

"I don't mind your germs, you're my friend. Plus, we have a part to play, remember?" Spencer muttered, locking his fingers between yours. Your heart pounded as you did the same.

"I'll observe as you play," You muttered, remembering the list of things you needed to look for to find the unsub. "I know you don't need it, but good luck."

Spencer smiled at you, the comment being just so sweet and innocent. "Thank you." You looked so nervous, so out of place. It made Spencer notice you more.

Spencer had taken a seat at a table, which you stood behind him, leaning over his shoulder. Your hands rested on the back of the chair. So far, no one caught your eye, until one man at another table did. Casually, you poked Spencer and he caught onto your stare.

"You know, would it be all right if I sat at table two instead of four? I have a pre-glaucoma condition and the light's kind of bothering my eyes." Spencer called over the employee, who took him to the desired table.

The men didn't just eye Spencer as he sat down, you noticed they eyed you too. Defensively, you wrapped your arms around Spencer's neck from behind. "Ah, I'm calling." One of the men said."

"I'll raise." One guy said. You stared at him, noticing his red eyes. Weird. "Eight thousand."

"Eight thousand.. That's, uh, fifty-six months wages for the average person in Bangladesh." Spencer commented casually. In reply, you giggled and played with some of hair, pushing it out of his face. Spencer hoped you didn't feel his face turn hot under your fingers. "Uh, kind of makes you think, doesn't it?"

"Hey, it's eight thou to you." One guy remarked. "Now, are you in or are you out?"

Spencer sighed, "I.. am in. And I raise."

"Three raise? That's too rich for my blood." The guy sighed. One man, the one who raised before Spencer, bored holes into him.

"Are you in, sir?" Spencer asked.

"I'll call."

"Call?"

Spencer flipped his cards, "Straight."

Based on everyone's reactions and Spencer's coy face, straight was a very good thing. Playing the act, you kissed Spencer's forehead and squealed lightly, deciding to stroke his cheek for a moment. "A gut shot straight draw? Are you kidding me?"

"That is just-- that is nuts."

It was no wonder Spencer was banned from casinos. Spencer's poker face was good. He simply just covered his mouth after a moment and stared, watching everyone's reactions. His hand slowly ran down to his chin, and in that moment, it did it for you. Sure, Spencer was your cute little nerd, but he'd never been so hot to you.

You noticed next to the man who was staring, he had an eight ball keychain. "Hey, mind if I look at this?" You asked, reaching for it.

The man was quick to grab your hand hard. Spencer jumped into action, pulling you from him.

"Hey. What's the problem, sir?" An employee asked.

"She's reaching for my chips!"

"I'm not even in the game," You remarked.

The employee grabbed your arms, "You need to come with me."

If Spencer's eyes could've gotten any wider, they would've popped out of his head. "Hey! Don't manhandle her! She can walk, let go!" Spencer ripped the mans arms off of you and pulled you into his chest. "Come on, love. Let's just go."

Spencer's words caused your chest to tingle as he guided you away. You watched as he clicked the call-device, it lit up red. The look on the mans face, your unsub, was clear. He knew.

You met up with the team as you were lead out the doors, "They're FBI agents," Hotch informed the guard.

"There he goes, plaid shirt, baseball hat." Spencer pointed.

After searching the whole casino, the unsub made a break for it. His name was Curtis Banks. You and Spencer were sent to his house to see if he was there. After a quick search, it was clear he wasn't there.

"Hey Hotch, he isn't here. There's a foreclosure sign in the lawn." You informed your chief.

"All right, you and Reid stay there in case he comes back." Hotch hung up the phone.

You shrugged to Spencer, "And we wait."

After a beat of silence, Spencer turned to you. "At the casino, you couldn't keep your hands off of me after I won." Spencer said out of nowhere. "Your physical proximity was close, you frequently stared at me--"

"I was playing my part," You argued.

"Yeah, too well." Spencer pointed out. "Were you checking me out?"

Heat rose to your cheeks, "No. Why would I do that?"

"Look at me and say it," Spencer demanded, but his tone wasn't harsh. It was simply just firm. "You won't look at me."

Slowly, you turned to look at Spencer, "I wasn't checking you out."

"You can't look me in the eyes. You've never not looked me in the eyes." Spencer continued.

"Stop profiling me," You tried to end the discussion. It was clear Spencer had caught you. You weren't interested in being turned down, especially when you were in some sort of steak-out with the genius.

Spencer frowned, "I'm not profiling you. I'm just telling you as it is."

"That's what profiling is," You countered. "We don't need to have this conversation. Was I checking you out? Yes, I was. Is that what you wanted me to say? That you looked so damn hot winning thousands of dollars with your best poker face while you let me all over you?"

Spencer said your name, but you kept rambling. It took him grabbing your chin and forcing your face closer to his to make you stop. "You think I'm hot?"

"Yeah," You stuttered. "Yeah, I do."

Slowly, Spencer trailed his finger over your bottom lip. "I always thought you were the most gorgeous girl I'd ever seen."

"Where's this confidence coming from?" You asked.

Spencer shrugged, "Gamblers frequently experience a phenomenon called the 'winning high,' it releases dopamine and adrenaline, making gamblers do riskier things than they'd normally do."

"You gonna use that high to kiss me?" Your voice was a mere mutter. Your lips were just grazing Spencers.

"Is that what you want?" Spencer lowly asked.

"What do you think?" You retorted.

Spencer's lips slammed onto your own, harder than you expected. His large hand had the back of your neck, and he pulled you impossibly closer. It was hot, just how you wanted it. Flimsily, Spencer reached to the bottom of his seat to scoot it back. His hands went to your hips, guiding you to move across the seats to his lap.

"You know, we're still on the lookout." You mumbled, pressing another kiss to the genius's lips.

"They haven't called us yet." Spencer challenged, hand running down your back to your waist.

Slowly, Spencer's hand began to creep up your shirt, just to your navel-level. His kisses descended to your neck, pressing opened mouth, warm kisses to your skin.

"Spence," You whined, grabbing his hair to push him closer. He sighed in reply.

You both jolted when your phone began to ring. You grabbed it quickly, "What?"

"Ooh, someone's frisky." Derek teased over the phone. "We got the guy. You two are all good to head back."

"Thanks, Morgan. See you back there." You hung up the phone, tossing it back to to your seat. "Looks like we have to wrap this up."

Spencer smirked, "We fly back in the morning. We'll find some time soon."

Spencer's words weren't a tease, they were a promise.

[financesevaloan]

Used Car Loan

Any individual can apply online or offline for a loan to purchase a how to apply used car loan. Most of the banks and non-banking financial companies (NBFC) offers loan to buy pre-owned/used cars. The terms and conditions and charges vary from one lender to another. Some lenders may offer up to 100% financing but mostly offers up to 80% or it may less than this.

There are several banks which provides the loans to buy purchase used car on certain interest rate.

State Bank of India Car Loan

The interest rates on SBI Bank Car Loan are one of the lowest in the market and are calculated on daily reducing balance.

SBI offers car loans under 4 categories namely, SBI New Car Loan Scheme, SBI Loyalty Car Loan Scheme, SBI Assured Car Loan Scheme, and SBI Car Loan Lite Scheme.

Financing of up to 90% of the used car loan interest rate on-road price can be availed which will include registration, cost of accessories, insurance, extended warranty, annual maintenance contract etc.

Bank of Baroda Car Loan

Anyone can apply to purchase passenger cars/ used/new car  for private use.

Offers the benefit of lower interest rates to individuals with a high credit score.

The interest rates on Bank of Baroda car loan are computed on daily reducing balance

The bank does not charge any penalty on pre-closure of car loans.

[sailortongue]

Good Luck Charms

pairing: kenji sato x reader

summary: Kenji has misplaced his earrings and refuses to leave without a pair. so you loan him a pair of yours

an: I wrote two blurbs involving his piercings bc I couldn't decide which one I liked more. one where he wears yours (this one) and one where you wear his (here!)

-------

“Hey, baby, have you seen my earrings? I can’t find them,” Kenji called out from the bedroom.

“Have you checked your nightstand?” You asked as you walked into the bedroom to see him looking around frantically for his lost jewelry.

“Twice. I’ve looked all over but I can't remember where I put them. Only that when I put them down I told myself I'd definitely be able to find them there.”

You chuckled, knowing the feeling all too well. “Why don’t you just go without them? I doubt anyone will be looking that closely”

He looked scandalized at the mere suggestion. “I can’t go without them because I’m hotter with my earrings.”

“Kenji, you'd still be hot in a burlap sack. And who exactly do you need to look hot for, hmm?”

He smiled slyly “For you obviously. Can’t let people think my girlfriend has bad taste.” He shot a conspiratorial wink at you.

“Would you like to borrow a pair of mine?” You offered.

He thought about it for a moment before nodding. You walked over to your jewelry box and he sidled up next to you, browsing through your collection. He picked up a pair of chunky hoops—a far cry from his usual studs—and held them up to his ears. “These are definitely the ones,” he joked, mirthful laughter bubbling from his plump lips.

“Oh, for sure,” you said, sarcasm dripping from your words but your giggles from his antics still seeping through.

He set them back down and watched as you dug for a more suitable pair. “What about these?” He asked, pointing to a much more modest pair this time. They were a favorite of yours, ones you wore often. “It'll be like having you there with me,” he said, a soft smile settling on his face.

You melted at his sappy words. How could you possibly tell him no? You gave him permission to wear them, and he excitedly ran to the bathroom to put them in. When he came back out, the small jade studs were secured in his earlobes, the wide grin on his face displaying how pleased he was with his choice.

He walked up to you and leaned down for a kiss. “Thank you,” he said sweetly.

“Consider them good luck charms,” you said. “Now get going before you’re late.”

He swooped in for one more kiss before rushing out of the bedroom to make it to his interview on time.

-❀-

“So, Ken, a lot of your fans, especially the women, seem to be very fond of your jewelry, but they can’t help but notice you don’t wear a ring. Is there any special lady in your life? I'm sure they’d love to know,” the interviewer teased.

Kenji chuckled, knowing that you were without a doubt watching this interview live from the comfort of the living room. “There is,” he replied. He brought his hands up to finger at the delicate jewelry in his ears. “These belong to her actually. She has wonderful taste. I mean, she must if she’s dating me, right?”

-❀-

You heard the crowd laugh at his response, a grin of your own spreading across your face. The show went on a commercial break shortly after, and you decided to get ready for bed while waiting for Kenji’s gorgeous face to once again grace your screen. You entered the bathroom and stood in front of the sink, opening the medicine cabinet to grab your dental floss—but something else caught your eye. Lo and behold, there, on the bottom shelf, were Kenji’s missing earrings.

[timmydraker]

Tim begins to distance himself from his family after Damian becomes Robin.

It was obvious in the way he ran off to rescue Bruce, but that was more of a physical thing at the end of the day. He was desperate and had lost any kind of safety net and support he had after Dick threatened Arkham and how badly he hurt Alfred with his instance that Bruce was alive.

Either way he was going to get Bruce back, if not because he felt like he was an aimless, nothing human being without Batman then there was that he wanted to be believed.

Then Dick handed over Robin to Damian who at that point genuinely despised Tim, though there was also a level of jealously in the young Wayne’s mind at the intelligence and analytical Tim.

It was then that Tim decided he would bring Bruce back and then do his own thing, outside of Robin and outside of Batman.

He clearly had done his job hadn’t he? Sure Bruce was dead, but Dick was acting as Batman and that Batman had a Robin, so his reasoning for being Robin was extinguished.

Tim brings Bruce back and the older man praises and thanks him for several days and then, like everything else, the attention moves away. It goes to him connecting with Damian on a vigilante level and catching up on the last several months of him being ‘dead’. It goes to Jason who, now that he’s lost his foster father has decided that maybe he could try a little harder after all.

It goes to everyone and anyone other than Tim and this time? That’s actually the plan.

Tim isn’t as good of a hacker as Barbara, but she’s basically a god at it so compared to others he might as well be master level, just not against her. This he uses to shift around peoples schedules so Alfred has no choice but to let him go to school on his own (Tim may have also invented an early morning ‘club’ that was totally legit and not at all a fabrication). He makes it so when Dick is over or Jason takes the rare opportunity to visit he had to work at WE or DI, something important he can’t neglect.

He never has to walk Ace or Titus because he’s busy with his team mates.

Team mates who think he’s busy helping out Batman.

Tim still does work as a hero, but it’s entirely through his businesses after a while. A few times he has no choice but to go out in a boring black suit with a full face mask and hoodie. It’s got nothing on it, no symbols or gadgets. Nothing to connect him to anyone.

He starts with the homeless, dishing out vaccines like candy without even doing a campaign to showcase it.

Then he changes Bruce’s rather naive approach to orphanages and makes it so every single child who is put through is given a small amount of funding. He makes it so kids have more chance to stay with siblings, makes sure everyone who even so much as enters the ground of a orphanage have a real background check and sure the adoption rate drops, but so does the missing kids and DV cases.

Tim steals over fifty million from people like Luther and Penguin and all kinds of corrupt rich assholes for the majority of the funding and not even a cent of it is traced back to Wayne or Drake businesses. Whiles he’s digging into Lex be manages to get enough evidence to put a sizeable dent in his reputation, even if Lex manages to smooch a fair bit of it back.

He’s manages to take out a large sized trafficking ring and helps get the victims into a real recovery home that he hand picks out security for.

Later, as in a few days afterward, he discovers a dog meat farm and everyone medical veterinary student suddenly finds themself free of student loans and debt and with multiple work opportunities available and volunteer work being down right pleased for.

Tim knows he’s being noticed but given that he basically lives in his office in the heart of the city, he isn’t there to hear his old teammates and ‘family’ talk about the mysterious Dread.

Dread who was named that after a report came out about a theory of an unknown hacker or ‘cyber vigilante’ who was stealing money and information from rich folk and giving it to the poor, giving all of the 1% dread that he would hit them next.

The exact quote was ‘Those with money deeper than their pockets dread the hackers next moves. And they should feel that dread as a warning for this Robin Hood like legend seems to be getting braver.’

Dick was sure the hacker would have been called Robin if he hadn’t chosen that name already, to which Barbara responded with grumbles and growl because she couldn’t find anything other than holes and traps left by the hacker. It was like they knew her every move before she even made it!

Tim, obvious to his growing reputation until it fully took off, hadn’t even considered that his actions would be framed a threat by Batman. He would say it was because he didn’t think Bruce would ever really target him like that, but in actuality it’s because he knew Bruce was one of the few good rich folk. Surely he would be on the side of a secret vigilante hacker trying to use horrible people to do good? He embraced Dread quickly and was happy he make the rich squirm and brought a sense of hope to people, it was just like Robin but instead of them being safe and given light they were given a peace of mind in a mix of revenge and justice.

What Tim doesn’t know is that Bruce is still too far into his whole image of black and white, good and evil, that he tends to forget there’s grey areas.

At least Jason is on the side of Dread, even if he still thinks the myth of a story is just that, a myth.

It’s when Tim blows up a bank when everyone has gone home for the night just so people will find the underground money ring that and he visits the manner to get a few things that he hears them talking about it.

By that point it’s been around two years since he dropped Robin and as usual Dick always greets him with a look of a desperate puppy, “Tim! Hi, you’re here. I haven’t seen you in months, how have you been?”

Tim smiles at Dick even if he hasn’t gotten over his anger at his oldest brother and moves to sit at the breakfast table with everyone (Alfred, Bruce, Jason and Damian).

“Good. Busy, we’ve had a lot of donations lately.”

Jason snorts, “No shit. Isn’t Wayne Enterprise one of the few ones not hit by Dread?”

Bruce grumbles and shakes his head, “I wouldn’t say that. They’ve managed to get into our system and completely changed the Jason Project.”

Jason grins and laughs happily, “you mean improved! Crime Ally is doing great now. Not the best, but still a fuck of a lot better.”

Smiling at the man who once beat him to an inch of his life, Tim takes a sip of his tea and casually says, “You’re welcome.”

The whole table goes quiet as Tim continues to casually sip his tea.

The silence carries for a total minute before Bruce puts down his cup and leans forward with a slight growl in his voice, “Explain.”

“Explain what?”

Bruce stands over his son even from halfway down the table and very obviously tries to calm himself with a deep breath, “What do you mean ‘you’re welcome’?”

Tim makes an ‘oh’ expression before cocking his head to the side in confusion, “I was the one who fixed the Jason Project? Wait, did you guys not realise I’m Dread?”

Damian shouts out a ‘what?!’ That makes Titus jump and Tim laughs under his breath, “What did you think I was doing?”

“Running the business! Not stealing from people and black mailing politicians!”

It’s Tim’s turn to growl now and he stands up himself with a glare at Bruce that is as close as any of them have gotten to the famed Bat-Glare, “Are you fucking kidding me? Like are you a Tully kidding me with that horse shit?”

Bruce looks stunned and Alfred doesn’t even tell him not to swear.

Tim slams his chair into the table.

“What the fuck else would I be doing, Bruce? I’m not Robin, that was taken from me, so what else was I gonna do? I finished my job, not only keeping you from killing anyone but bringing you back, so I had do pick something else. I’m not stealing from the rich, I’m stealing from selfish cunts who ruin peoples lives for no reason and giving it to people like Jason. So, don’t you fucking yell at me and don’t try to make me feel bad for this, not when I’ve done more in two years than you ever have and- don’t you fucking speak Dick, not when you were the one who took my place here away from me! Now, I have a trafficking ring I need to expose so good. Fucking. Day.”

Jason is the only one who follows him.

[todaynewsonline]

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