#hws Louisiana

[ask-nyc-boroughs]

my tendency to ramble endlessly is strong 😔🙏 so I’ll try my best to keep this short. Anyways this is the result of a month long doodle page of a few of my westerners: Ramona “Mona” Sanchez/ California, Roberto Velasco “Rob McDaniel”/ Texas, & Pedro Ortega/ New Mexico + Aurelie Bayon/ Louisiana (c. @gardenkeeper ).

Under the cut, I’ll explain each doodle briefly from left to right, & I’m just gonna include the most important details. I’ll def be talking about Mona & Rob more so in the future.

Doodles left to right

Mona is like 12, a bit angsty, and boy crazy when she’s starting to think of being independent of Mexico. She thought the cute blonde boy (Alfred/USA) who was also fighting Mexico was totally gonna help her cause he’s y’know famously so good hearted (lolllll). That didn’t pan out well.

Mona on a horse cause why not. She’s usually trying to be this influencer-esque, health conscious, “spiritual” fake bitch, but like she can’t hide at her core she’s a bit of a cowgirl.

Mona & Rob talking when they’re US states. Rob just has a compulsive urge to tease her. And he does reveal stuff about her that she doesn’t necessarily want revealed (Californios are mostly castizos if you will and began identifying as Spanish rather than Mexican as they did not want to be associated with Mexico as Mexico was sending people with more mesitzos or just non-white ancestry to the region. Mona upon entry to the US would’ve identified herself as being Spanish as a means of asserting her distance from Mexico by trying to assert greater proximity to whiteness and Rob knows what she’s doing and just causally pokes holes in her story lol. Not that Rob is much better).

Rob & Aurelie just being affectionate together. I’ll save a greater discussion about them for another time. But their story begins when Rob is basically a neglected Spanish colonial outpost who’s forced to rely on the good will of his presumed French colonial enemy, Aurelie. They become friends throughout the years. Rob always had a crush on Aurelie. She began to like him more romantically towards the 20th century, and I think they bond over a shared love of music - especially genres from that region: Jazz, Blues, Ragtime, & Zydeco.

Rob in the late 19th & early 20th trying to impress Aurelie

Rob & Alfred are BFFs, they’re friends before the civil war but they really become BFFs post-civil war. They’re like highkey the same person. Loud, obnoxious, head strong. Except Rob has more of a lighter, jokester energy to him. Rob is slower to anger whereas Alfred could hold a grudge forever (New England ass).

A design of Pedro / New Mexico. I need to do more research on him. But so far I feel bad he’s stuck btwn Mona & Rob. They’re both objectively crazy lol. And Pedro just wants to be left alone.

Mona confronting Rob towards the end of the US Civil War.

[doueverwonder]

My friend sent me this and im wheezing:

Just had the mental image of those three walking down the streets of Paris together

Quebec, obviously drunk: VIVE LA FRANCE! VIVE LA QUEBÉC!!

Louisiana, also drunk: Vive la Louisiane!!

Vermont, sober, unenthusiastically pumping his fist in the air: Vive.

[i-have-dots-in-my-brain]

Louisiana :)

[savebatsfromscratch]

Statetalia - Good 4 U - 26 and 27

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Originally Shared: Nov 04, 2022   

Scratch link: https://scratch.mit.edu/projects/747644741/ 

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Instructions: 

Press the green flag and please don't steal my animation! 

WARNING, this song uses the words "damn" and "sociopath," (being warned for different reasons) I don't think they are inappropriate in their uses here, so they are not getting muted in the audio file. 

Oh my GOSH that head turn looks great! 

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Characters in order: 

Alabama (Red color scheme, the main character lol.) 

Texas (Yellow color scheme, the one Alabama has a crush on.) 

Louisiana (Purple color scheme, the girl Texas is dating now.) 

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Notes and Credits: 

@savebatsfromscratch (me) for the animation and characters. 

ashedpotatoes for the map and pallet. 

Olivia Rodrigo for the song I think. 

Scratch bitmap of course.

[goldenstarprincesses]

Idk care if I get sent to fandom jail for this but....America 100% speaks fluent French

[spidertalia]

@hetaween-event Day 10: Halloween Party

ft. some of my statetalia ocs !!

[iwanttorunfree]

I posted 728 times in 2022

286 posts created (39%)

442 posts reblogged (61%)

Blogs I reblogged the most:

@weirdestarrow

@starflight-reblog

@horce-divorce

@catgirl-bot

@aloha-from-angel

I tagged 304 of my posts in 2022

#aph hetalia - 235 posts

#hetalia - 234 posts

#hws hetalia - 234 posts

#aph statetalia - 221 posts

#aph states - 221 posts

#hws states - 220 posts

#hws statetalia - 219 posts

#statetalia - 219 posts

#ask response - 39 posts

#aph california - 37 posts

Longest Tag: 104 characters

#no but seriously i want some of the states parents to be humans because i think it's an interesting idea

My Top Posts in 2022:

#5

Alaska: Did you like the food I made?

Texas: No, not really.

Alaska: Shit, I put my heart and soul into it.

Texas: No wonder it tastes so cold and dead.

36 notes - Posted July 16, 2022

#4

Southern States: Louisiana, what is the ONE thing I asked you NOT to do tonight?

Louisiana: Raise the dead.

Southern States: And what did you do?

Louisiana: Raise the dead.

37 notes - Posted August 3, 2022

#3

England: If you win, you’re out of the will!

America: I was in the will?

37 notes - Posted April 6, 2022

#2

I imagine the other states clown on them for this.

42 notes - Posted February 14, 2022

My #1 post of 2022

59 notes - Posted June 28, 2022

Get your Tumblr 2022 Year in Review →

[internationalrealestatenews]

[ad_1] HousingWire lately spoke with Jonathan Willen, chief income officer at LERETA, concerning the upcoming escrow wave, the rising menace of cyber assaults on servicers and what tendencies he’s seeing within the business this yr. HousingWire: Servicing has at all times been a difficult enterprise, however you imagine that there are exterior forces at play which can be about to lift the extent of issue considerably, are you able to please clarify? Jonathan Willen: Underneath regular situations, servicing is a low-margin, extremely regulated enterprise with well-understood financial, operational and reputational dangers. Our business is now dealing with two new threats which can be something however regular. The primary is a “good storm” that's brewing with escrow accounts and the second is the proliferation of cyber assaults on each servicers and main tech suppliers.  Let’s begin with what’s approaching the escrow entrance. Over the following few years, dramatic house worth appreciation and the downturn in business actual property have the potential to considerably enhance residential actual property taxes. During the last 4 years, Zillow estimates that the common house has appreciated practically 30%. On the identical time, many observers are predicting a downturn in business actual property values. Probably the most pessimistic forecast name for a drop of 40% nationwide by the tip of 2025. If this happens, property homeowners, each residential and business, will face increased tax payments. In the meantime, householders insurance coverage is more and more changing into a much bigger problem for customers and servicers. A latest Wall Avenue Journal article famous that in Florida some householders have seen their home-owner premiums triple within the final 5 years and in some communities these premiums are actually increased than their mortgage funds. In California, Texas and Louisiana, in addition to parts of different states which can be in danger for pure disasters, simply getting householders insurance coverage is getting tougher as giant insurers cease writing protection. The mix of upper taxes and insurance coverage premiums has the potential of making main shocks for tens of millions of debtors with escrow accounts. Surprising will increase in escrow accounts are one of many main the reason why debtors contact their servicers. Resolving these calls typically takes time and requires a good quantity of explaining to assist householders perceive why their month-to-month cost goes up. It should additionally create financial stress for servicers and buyers in coping with advances and prolonged cost spreads. Will all of the worst-case situations occur ? It’s arduous to foretell, however it's protected to imagine that escrow accounts are going to be a heightened problem for servicers for the foreseeable future. HW: What can servicers and their tax service suppliers do to get forward of the escrow wave? JW: Primarily based on our conversations with shoppers, a rising variety of servicers are monitoring the approaching “escrow cliff” and are starting to develop proactive applications to succeed in out to impacted debtors. Smaller servicers that target a single market or regional footprint are sometimes better off by way of seeing what’s occurring sooner given their in-market proximity. Nationwide servicers might think about using numerous types of portfolio monitoring to determine accounts which may be in danger for vital tax or insurance coverage will increase. For instance, they could select to run AVMs towards properties in markets which have skilled excessive house worth appreciation to be able to venture doable tax outcomes. LERETA can present shoppers with alerts or studies when a fabric enhance in a single tax invoice is recognized, assuming these assessments can be found earlier within the yr. Servicers might need to focus on these and different choices with their tax service suppliers.

To get forward of insurance coverage points, servicers might think about knowledge mining their portfolios to determine accounts which can be in states or areas that insurers are leaving. Sure classes of debtors, like reverse mortgage clients and first-time consumers who stretched to purchase properties through the latest run-up in costs, might have an elevated threat of default when taxes or insurance coverage prices rise. So, servicers might need to monitor these accounts extra intently.   Going ahead we count on to see servicers being extra proactive with their communications and outreach on escrow points. This may increasingly take the type of borrower letters, emails and even outbound calls alerting clients to pending tax will increase. They could additionally make use of basic messages about these points on month-to-month statements, on their web sites and even on pre-recorded maintain messaging. Since name facilities will probably be floor zero for these tough discussions, many servicers will probably be their coaching applications, staffing and updating their name middle scripts. HW: In addition to the approaching escrow wave, you imagine that the rising threats of cyber assaults will immediate giant servicers to take innovate steps to cut back dangers, similar to creating redundancies in essential providers. How would this work? JW: Servicers and huge gamers within the mortgage tech areas had been hit with a lot of high-profile cyber assaults in 2023, which brought on a major quantity of disruption in our business. For years, giant banks and servicers have been investing closely in employees and expertise to harden their expertise infrastructure towards these assaults. However more and more they're realizing that they must go even additional and create redundancies by way of their essential providers in case a serious vendor goes offline. That is significantly true in time period of time-sensitive features, similar to loss mitigation and closings, the place hundreds of transactions could possibly be disrupted over a brief time period if a vendor is sidelined. Paradoxically, within the tax servicing house the place there are just a few main suppliers, tens of millions of tax cost deadlines could possibly be missed if a cyber assault occurred in This autumn when roughly 60% of all residential taxes are due. Whereas traditionally giant servicers haven’t opted to place back-up relationships in place relating to tax servicing, there's now a rising curiosity in mitigating threat by creating a number of redundant relationships. We notice that this may increasingly seem like a frightening job to a mortgage servicer who has at all times relied on one vendor in tax. LERETA is growing instruments and assets to make it simpler for servicers to create a plan to assist this method.  Whereas it might be simpler to only preserve doing issues “the best way we’ve at all times carried out it,” modern-day dangers require equally strong options. HW: What are some promising tendencies you’re seeing within the servicing business this yr? JW: The typical home-owner doesn’t need to speak with their servicer if they will keep away from it, and the servicing business is investing closely in expertise that provides debtors the power to “self-serve.” The primary era of those initiatives allowed debtors to see if their funds had been acquired, to verify balances and see what their tax cost was. The following era will give them deeper, real-time info. For instance, answering questions past how a lot did I pay in taxes final yr, but additionally has my tax invoice arrived? When was it paid? What’s occurring with my escrow account? Ought to I be making additional funds to keep away from a scarcity and a giant invoice later? This stage of innovation is coming, and it'll not solely improve the shopper expertise, however it is going to additionally assist servicers address the approaching escrow wave. Associated

[ad_2]

[whatsonmedia]

Music Monday: Latest Music Tracks of This Week!

Welcome to the ultimate dancefloor experience, meticulously curated by music editor Adam Humphries. Prepare to ignite your soul and unleash your inner groove with this precision-curated playlist. Featuring recently released upbeat tracks, this selection guarantees a non-stop music extravaganza that will leave you breathless. Get ready to dance like there's no tomorrow and embark on an unforgettable week of electrifying beats and unstoppable moves. Let the music be your guide and let the rhythm take control! Africa Oyé announces FULL MUSIC LINE-UP for 2023 Festival in Sefton Park! Eclectic music festival, Africa Oye, is on this summer and is all set to be a celebration of music of all things from African to the wider Disapora. There will be many musical acts who will take centre stage to represent Cuba, Ghana, Colombia and D.R Congo  Taking over Sefton Park for two days this Summer on the 17th and 18th June 2023, artists from Liverpool to Accra, Havana to London musicians both unknown and from TikTok will put on a huge musical extravaganza. Headlining this year's festival are Afrobeat superstar, Seun Kuti (son of Fela Kuti) and pioneering dancehall singer, Tanya Stephens. They are also joined on the line-up by British/Congolese rapper and singer, ZieZie whose addition to the line-up will delight his 100,000+ followers on TikTok.  On 17th & 18th June 2023, thousands in Sefton Park will celebrate the music and culture of Africa with two free days of fantastic music, workshops, DJs, dance, food stalls and a range of traders in the Village. Entrance is FREE and you do not need a ticket. Harry Heart releases new album - “Cambistry” following sold out NFT collection! Same Solution, G.O.M.Y.O, Diving Bell, Heat and Can't be Led, just five of the songs from Harry Heart's new upcoming album Cambistry due out soon.  The album is a stylish mix of rock, acoustic, ambient and soul based sounds that have all been put together to make an absolute corker of a record. And an Absolute corker is definitely one of the words I'd use to describe it. After hearing little tasters even, I enjoyed hearing it and if you listen carefully, you can hear the LCD Soundsystem and James Blake influences.  https://open.spotify.com/album/09YuUeMSnYSDcqDLH4Ns2n?si=QpXZ9xhVQ8emVQXRAr5-hw RICHARD WALTERS - Reveals new solo track "Move On" || Announces UK Shows Sorry can be a hard one to say at best but in this case, Richard Walters has sung it instead. Move On is a gentle heartfelt melodic tune which wears its heart on its sleeve. Richard's voice carries plenty of feeling as he expresses his regrets from his past so as to reconcile. After being away for a year and a half this is certainly a superb choice for a comeback track and his talent as a solo artist is evident  He will be performing the song as part of his set as part of his upcoming tour later this year in November  RETURNS WITH ATMOSPHERIC, AFFECTING NEW SINGLE:  "MOVE ON" RELEASED 26 MAY, VIA NETTWERK STREAM ON ALL SERVICES HERE https://richardwalters.ffm.to/moveon UK TOUR DATES THIS NOVEMBER - TICKETS https://www.richardwaltersmusic.co.uk/live RICHARD WALTERS - LIVE DATES 2023 24 Nov - BRISTOL, The Louisiana 25 Nov - OXFORD, Jericho Tavern 29 Nov - MANCHESTER, The Castle Hotel 30 Nov - LONDON, The Grace MONOGRAMS - Releases Breathless "Carry The Weight" || New Album 'A Fine Commitment' out 16 June Electronic rock fusion at its finest, that or Ian Jacobs, music maestro behind MONOGRAMS, has possibly taken a leaf out of Kraftwerk's book. Carry The Weight has what can best be described as an invigorating track which has its foot in the future whilst keeping another in the past yet still makes its place in the present. Ian is every bit an amazing frontman regardless of the band being a one-man project.  Carry The Weight is proof in the pudding of electronic rock excellence  MONOGRAMS NYC 'NUKE WAVE' ARTIST RETURNS WITH THE BREATHLESS: "CARRY THE WEIGHT"  STREAM ON YOUTUBE HERE https://youtu.be/Tff1183W3XU ALL SERVICES HERE https://orcd.co/jp1dv38 Read the full article

[ask-nyc-boroughs]

Nor'easter States Map

Just a map showing the US states that my friend (ekuos.art on instagram) and I have worked on thus far. He created Aurelie/Louisiana and Simon/Michigan.

The second image depicts which states (and city) we believe Alfred would consider right-hands due to their present and historic significance.

[doueverwonder]

Quebec, pointing at Louisiana: That's Louisiane, my weird cousin, he eats alligator.

Louisiana, pointing back at Quebec: that's Québec, my weird cousin, she doesn't know how to mind her business.

[awutar]

21-year-old pleads guilty to planning kidnappings and murders using Grindr

21-year-old pleads guilty to planning kidnappings and murders using Grindr

File photo. A person looks at the Grindr app on their cell phone. Photo: AP A Louisiana man pleaded guilty Thursday to using the gay dating app Grindr as a tool to kidnap and murder gay men, and carrying out the first part of his plan on a victim. Chance Seneca, 21, of Lafayette, Louisiana, pleaded guilty to kidnapping HW, a gay man he contacted through Grindr and planned to kill, the US…

[junomemo]

Hetalia U.S States 1/???

first up: Louie!

I’m considering making a work on AO3 for these ocs because I have an ungodly amount of thoughts for Louie that cannot fit into one Tumblr post. Besides, some subjects involving his race and the Civil War are way too sensitive to include in a lighthearted oc sheet.

His outfit and nickname is taken from @/ben_brainard on TikTok! He creates skits with his own representations of U.S states. They’re usually focused on American politics and news but also include inner state relations and little tid-bits about the states themselves in his ‘State-Intro’ series. Please check him out 🙏🏽

[thatsamericano]

Moodboard/Aesthetic for a Louisiana OC. I was inspired by @alfredtalia‘s drawing of her Louisiana OC, but I made this independently.

[savebats-statetalia]

Alabama (describing Louisiana trying to teach him French): She was talking mostly in French this year- er- yeah yeah, the year is over, this DAY, and some of it I understood, but not most of it, so she'd just be in front of my desk going, "Oui? OUI?"

Alabama: And I'd be like, "... o u i..,,..,..,"

[circlique]

The Pelican State

Welcome to Louisiana!