#lending practices
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On Comparing an Antiquated System of Mortgage Lending to a 300-Year-Old Relic
A colleague and I were discussing some of the problems we faced while working in the mortgage industry, and we started laughing about how this is built on a 300 year old system no one knows how to use anymore. Nonetheless, in the vast…

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What Are Payday Loans and How Do They Work?
#Consumer Awareness#Interest Rates#Financial Solutions#Short-term Loans#Finance#Payday Loans#Lending Practices#Payday Loan#Personal Finance#Emergency Loans#Debt Management#Financial Education
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Color experiment [in both senses of the word lol]
#ahh something about this skeleton lends to fun rendering practice#color#color sans#color!sans#utmv#undertale multiverse#eyestrain#cw eyestrain#jbird's art#disatisfied with some of the fluff but otherwise like the rendering :-] I think... this is what I want my colors to look like
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I can't see you. Do you see me? 👁️👁️
#scopophobia#eye strain#bright colors#creepy#welcome home#welcome home puppet show#welcome home wally#wally darling#wally darling fanart#welcome home fanart#wh wally#wh wally darling#wally welcome home#hello hello dont mind me! Tried to experiment. Not too good with “creepy” art so heres an attempt!#Wally practice!!!!#Maybe not the best but hey! I tried!#my style really doesnt lend well to outright horror#this particular style is actually one I use for personal vent art! Thought maybe it would be a good starting point#put all the warnings I could think of in the tags oh I hope its all good and I don't end up bothering anyone with suddenly RED ART!!!!#ANYWAY LOVE YALL MWAH MWAH SORRY IF THIS FEELS LIKE A JUMPSCARE ON MY USUAL COLORFUL PAGE LMAO#my art#sketches
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Headcanon Mycroft and Greg meeting in training for the M16 squad try-outs as 19-20 year olds and NOT LIKING EACH OTHER ONE BIT
Always a competition, even when getting ready for bed in the dorms.
When people see them together, they're always like 'aww, you guys are dating yea?' and Myc and Greg are like NOOO *red faces red faces*
uhuh yep. Then one of the younger recruits find them snogging in the changing rooms, Mycrofts hair tousled and one of Gregs shoes is still lying patiently on the floor, ready to be put on.
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Sargeant: Hey! Nice job today, Lestrade-- that junior commander position is really looking in your direction!
Mycroft: *must be better must be better* *shoots eight targets in the heart in a span of five seconds* heh hehh
Greg: *glares* *omg hes so hot the fuck*
Sargeant: Damn these to horny bitches I just need some decent snipers
#mystrade#bbc sherlock#headcanons#add on if you wish!!#mystrade incorrect quotes#mystrade headcanons#Its starts raining heaving when they're practicing in the woodlands and Greg left his coat in the dorms.#Myc shyly as fuck lends him his personally made rain jacket stating its ONLY for the extra credit points he needs for the Commander positio#Mystrade MiniFic Series
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has anyone ever brought up how odd it is that one of the only things people bring up about lance stroll, the only jewish driver on the grid, is his family's wealth? 😸
#“but you can't pull that card”#but i am#Jews have often been stereotyped as “greedyc and ”miserly“.#This originates in the Middle Ages when Jews were restricted to jobs usually barred to Christians and so many went into money-lending#This led to the association of Jews with greedy practices.#Furthermore!#It's (in my opinion) insane to me that the only Jew on the grid is known for buying his way into a sport#using his (also Jewish) fathers money#thanks for coming to my ted talk#f1#formula 1#lance stroll#aston martin#ls18
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im so tired but my brain is still thinking of this one headcanon latelyyyy
what if jevin is like a librarian as one of his hobbies, especially assigned to lend safe tomes and archives and keep watch of the forbidden ones... this crossed my mind bc he reminded me of blueberry pie cookie from cookie run. jevin would look similar to her if he was a cookie like...
c'mon like look at them, do you see my vision- i seem to REALLY like blue lads who rarely smiles and do magic oopsieee
....OH I HAVE AN IDEAAAAAA!!!! but i gotta yap on the tags though (so used to doing that, its like whispering to me and i like to whisper my thoughts lol)
#miscellaneous leer#after his cult practices jevin got hired to watch over the tomes and lends tomes ppl seeking materials to practice/educate#he is also tasked to make sure he only gives out the good tomes to customers as the cursed ones are hidden further back#one day he got a lil curious and went to check into the cursed tomes when his supervisor wasn't looking#he looked into some tomes to read what forbidden content was in the tomes (most of them are magic he already knew)#he shrugged and continued reading into more archives until he decided to open the one thats sealed HEAVILY#he prepares himself and brace for the worst... OOPS A SPECTRE APPEARS FROM THAT TOME#that spectre looks kinda familiar... a void figure sealed from the one book out of sight at the dark basement. someone jevin once knew??#anyway period of panic. he tries to reseal it. success but as a side effect he gains wolpertinger traits and passes out#okay that last bit may need to be altered to suit my liking but IM IN LOVE WITH THIS HC WAGHAAGAGAHAAAAAAHSJGDSJSJ#edit: yea it definitely needs to be altered i lost my train of thought while typing. still keeping the idea tho bc YESSSSBSDJDNDND
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triumph of the will - the challenge / maude
THE BEST HAPPIEST BIRTHDAY TO MY LOVE (and also the most creative most talented sexiest person in writeblr) PRIS @serpentarii !!!!!
this is gonna be ? the 5th year we're been on this website together? genuinely insane to think about, but when it comes to experiencing the epic highs and lows of the tumblr writing community, i can't think of anyone i'd rather have had by my side all these years. it's been an honor, and i'm toasting to many more of those years to come!
#decided im sick of painting actually so i spent ages playing around with diff brushes to see what textures i could get#thought this ended up with a pretty neat pencil over ink type effect (?) thank u for lending me maude for these experiments#i am in my practicing textures and composition era !!!!!#a.mine#stuff for friends#u.serpentarii#pris tag!
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A Manifesto of Good Financial Services: Building Systems That Serve People, Not Exploit Them
“Finance is the nervous system of the modern world — and like any system, it must serve the body, not feed on it.” We live in a time of unprecedented financial technology and access. In just a few taps on a screen, you can transfer money across the world, apply for a mortgage, or invest in a startup on the other side of the planet. But alongside this technological progress, a silent epidemic…
#ai#artificial-intelligence#credit-score#discrimination#finance#financial struggles#gig economy#home-buying#homeownership#housing-market#interest-rates#lending practices#loan#loans#mortgage#mortgage-loan#mortgages#personal-finance#pitfalls#protection#real-estate#realtor#revve#startups
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Monster Heaven: Ghost Hero | 1990
#Monster Heaven: Ghost Hero#Yokai#practical efects#horror#手塚 眞#comedy horror#Macoto Tezka#Makoto Tezuka#妖怪天国・ゴーストヒーロー’#hammersmith horror#a helping hand#can i lend a hand#lend a hand
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New mask, new face
#jk#im gonna take the eyebrows off cuz they lend too much evil to the design while somehow taking away some of the innocent malice#i sold my other mask to a friend so there are gonna be TWO smileys!!#theyve already worn it to practice and apparently its much creepier on them lol#hema#historical european martial arts
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poetry imposter syndrome goes crazy
so youve got to remember that poetry is nawt a space that can be imposed on and you can basically do whatever you want forever. and that if you r doubting your skill in writing poetry, your only option is to write more poetry. that's the only path available. poets are not touched by the hand of god nor by the blade of some remote suffering, they have just written one hundred thousand poems and decided that maybe five of them are good. and eventually they have gotten to the point where every new piece feels like a breakthrough and every old piece feels like an anchor. and it just keeps moving like that.
#i also think that the biggest practice in poetry is pretending to be a lot more assured than you actually are#unshakeable belief does not lend itself to the poem. there has to be doubt.#unrelated but i hate every ''im a poet because it is my divine purpose'' sentiment. we r all scrabbling around in the dark.
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anyway captain mason mctavish. thoughts.
this is nothing i haven't said before. but. everyone thinks it's going to be zegras eventually but honestly i just don't think he's captain material? face of the franchise sure but he hasn't settled down enough to be someone who handles the locker room/other captain responsibilities. maybe eventually he'll prove me wrong.
but anyway the team is very young and has a focus on drafting and development at the moment. limited options, not as many veterans now as there were a few years ago. so what's the solution. young guy who plays and conducts himself like an old guy.
mctavish is what. 21. i expect to see him in the league for like 12-15 more years, that's not unreasonable. that's a guy you can build around. someone who's going to grow into the role but to me is already very capable. i think you could give him the C tomorrow and have no problem
there is a precedent for this, which is already being proven. first of all, he has set himself apart from his peers on numerous occasions. he made his nhl debut TWO MONTHS TO THE DAY after being drafted. (he was 17 btw) the ducks second pick in the 2021 draft, olen zellweger, made his debut this past season. no one else from that class has come up.
at the nhl level, mctavish, zegras and drysdale were the same cohort of like young guns/future of the team. let's revisit where they all are now. drysdale was done wrong by the ducks - never given the time or support to really develop and get healthy before getting shipped off but that's besides the point. zegras is the most well known of the three of them, doesn't really have anything to show for it either. mctavish is the one who got the A in just his second full season.
another cohort has now joined the team, newer rookies who are still figuring things out. mctavish is no longer the youngest one on the team, but it's not by a ton. he's perfectly positioned now where he's been around long enough that he's looked up to but doesn't necessarily seem like an Authority™ you know.
also the ducks have been without a captain since getzlaf, but were able to get by on the leadership of henrique, silfverberg and cam fowler. (they had five guys wear the A this past year though? that's too many) but losing henrique and silfverberg, while a hit to the veteran presence, really streamlines the leadership core if i'm being honest. it feels like as good a time as any to really commit to making this a defined era for the ducks. i really like this year's As too - cam fowler as the throughline for half a decade of ducks hockey, plus troy terry as another older guide, i think that's a really strong foundation and baseline for further development, not only for the team as a whole but specifically for mctavish as future captain.
i'm not necessarily saying give mctavish the C right now, though I think he's more than capable. we've seen young captains before (landeskog, crosby, mcdavid etc) who have done tremendous work, and I don't see why that list couldn't include mctavish
#i did say during the 2022-2023 season that he would get the A within five years and it literally happened the next season so#this isn't even saying anything about his actual play btw!#i could write just as much on that too#i'm just saying from everything i've seen#mctavish seems like a head down-work hard-practical-levelheaded-lead by example type that i think would lend VERY well to a captaincy#he doesn't need to be flashy like zegras when his work speaks for itself and he's being (deservedly) rewarded already#sorry for rambling#mason mctavish#hockey#anaheim ducks#ducks hockey
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I don't usually have "ships" but when I do I'm pretty chill about- *trips and all these fall out of my pocket*
*frantically trying to shove drawings back in my pocket* oh gosh I um- look I'm actually super normal about them it's just- *another one falls out* aw geez--
look I um- ok I lied I'm not normal about them. on the bright side, turns out getting obsessed with The Characters is a good motivation to get some much needed drawing practice in!
#it's funny how I say 'getting obsessed' with them when I have literally had these two rotating in my head for so many years#I should say I'm only just now getting to *post* about my obsession. it's always been there#it's actually really hard to draw Celeair bc I keep having to stop and scream to myself over how cute his lil face is#he's literally looking with the 🥺face how am I meant to focus like this??#Margim is hard to draw bc I think my style lends itself better to characters with like. idk 'softer' features?#it just takes a lot more time and tweaking to get her looking close enough to how she's supposed to. this is why I need practice#lotro#lotro oc#Margim#Celeair#haven't logged into lotro for like two days bc I keep having to Draw Them but I'm SLOW at it
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dont base your self worth on academic validation but goddamn does it hit. asl prof interrupted a lab and was like do you understand the difference/concept behind these signs and i was like yeah (demonstrates difference) and he was like wow exactly! you got that so easy huh! ^_^ teehee yeah. and then later my gender studies prof and i got talking and she was like youre very intelligent and a great writer. ^_^ teehee really ?
#the former especially was funny bc ppl in class do noooooot get it sometimes. or at least it takes one million examples to get it.#and im not like. perfect in asl. i forget a lot of vocabulary and grammar and am slow with both doing and reading fingerspelling.#but sometimes it's truly not that complicated. ? its about your direction to distinguish 'lend' and 'borrow' not your exact wrist position#? 'knowledge' is a mental thing and 'skilled' + 'exceptional' are practical things. pretty easy to get i think.#but then classmates who are always able to pick up fingerspelling will spend twn minutes on the concept like ???????
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I bemoan every single day the lack of stopmotion gore I have seen... it lends so well.... wet and squishy and so so so physical........aaaugh...
#yes......#stopmotion in general lends super well to horror methinks and its a shame theres not a lot of t#specicially cus i personally find horror strongest when it uses practical effects and theyre like making out with stopmotion theyre so clos#yes#the rat speaks
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