#life insurance for business owners

[sragencyinc]

Life insurance for business owners

Introduction Life Insurance for Business :

Life insurance is an important aspect of financial planning that provides security and peace of mind to individuals and their loved ones. For business owners, life insurance can play a critical role in protecting their business and ensuring the continuity of operations in the event of an unexpected death. In this article, we will explore the importance of life insurance for business owners and how it can benefit their business.

Importance of Life Insurance for Business Owners:

Business owners invest a significant amount of time and money in their businesses, making it a valuable asset for them. However, in the event of an unexpected death, the future of the business may be at risk. Life insurance can provide a safety net for the business by providing a lump sum payment that can be used to cover debts, pay off loans, and provide for the future of the business.

In addition to protecting the business, life insurance can also benefit the business owner and their family. The proceeds from the policy can provide financial security to the family, ensuring that they are able to maintain their standard of living and cover any expenses that may arise. This can be especially important for small businesses, where the owner's income may be the primary source of support for the family.

Types of Life Insurance for Business Owners:

There are several types of life insurance policies that are suitable for business owners. The most common types include:

Term Life Insurance:

Term life insurance provides coverage for a specified period of time, typically ranging from one to thirty years. This type of policy is often the most affordable and straightforward option for business owners. Term life insurance can provide coverage for the duration of a loan or a specific business project.

Whole Life Insurance:

Whole life insurance provides lifetime coverage and includes a savings component that accumulates cash value over time. This type of policy can be more expensive than term life insurance but offers the benefit of a guaranteed death benefit and the ability to borrow against the cash value of the policy.

Universal Life Insurance:

Universal life insurance is a flexible type of policy that allows the business owner to adjust the premium payments and death benefit over time. This type of policy can be beneficial for business owners who have fluctuating income or want to build cash value over time.

Key Person Life Insurance:

Key person life insurance provides coverage for a key employee or business partner whose death could have a significant impact on the business. This type of policy can help the business cover the costs of finding a replacement or paying off debts.

Factors to Consider When Choosing a Life Insurance Policy:

When choosing a life insurance policy, business owners should consider several factors, including:

Coverage Amount:

The coverage amount should be sufficient to cover the business's debts, loans, and ongoing expenses. It should also provide for the family's future financial needs.

Premiums:

The premium payments should be affordable and fit within the business's budget. Business owners should consider the long-term costs of the policy and ensure that they can afford the payments over the life of the policy.

Policy Features:

Business owners should consider the features of the policy, such as the length of coverage, the ability to borrow against the cash value, and any riders or additional benefits that may be included.

Insurance Company:

Business owners should choose a reputable insurance company with a strong financial rating and a history of paying out claims.

Conclusion:

Life insurance is an essential part of financial planning for business owners. It can provide protection for the business and the owner's family in the event of an unexpected death. Business owners should carefully consider the type of policy that best suits their needs and ensure that they have sufficient coverage to provide for the future of the business and their loved ones. By taking the time to plan for the unexpected, business owners can ensure the long-term success of their business and provide financial security for their family.

Read more: https://sragencyinc.com/agency-blog-1/f/life-insurance-is-a-tool-for-business-owners

[artisticdivasworld]

Financial planning for truckers 

Financial planning is something a lot of folks in the industry overlook, but it’s super important if you want to stay afloat and keep your wheels rolling. First, let’s talk about budgeting. It might sound like a boring topic, but think of it as your roadmap. Without a clear budget, it’s like driving without a GPS. You know your income can be pretty unpredictable, especially with fluctuating fuel…

[levelinsurance]

Protect Your Loved Ones and Your Home with Life Insurance and Homeowners Insurance in Houston

Life Insurance Houston

What is Life Insurance?

Life insurance is a contract between you and an insurance company. In exchange for regular payments (premiums), the insurance company agrees to pay a death benefit to your loved ones if you die.

Why Do I Need Life Insurance?

Life insurance is important for everyone, but it is especially important for people with families. If you die unexpectedly, life insurance can help to provide financial security for your loved ones. They can use the death benefit to pay for funeral expenses, cover debts, or replace your income.

Life insurance is also important for people who are self-employed or who own businesses. If you die, your business may suffer financially. Life insurance can help to keep your business afloat and provide for your employees.

How to Choose the Right Life Insurance Policy

When choosing a life insurance policy, there are a few factors to consider:

The type of coverage you need: There are two main types of life insurance coverage: term life insurance and whole life insurance. Term life insurance provides coverage for a specific period of time, such as 20 or 30 years. Whole life insurance provides coverage for your entire life.

The amount of coverage you need: The amount of coverage you need will depend on your individual circumstances. Consider your debts, income, and expenses to determine how much coverage you need.

The cost of the policy: Life insurance policies can vary in cost. Compare rates from different insurance companies to find the best deal.

The Benefits of Working with a Local Life Insurance Agent

Working with a local life insurance agent can offer a number of benefits, including:

Personalized service: A local life insurance agent can take the time to understand your individual needs and help you choose the right policy for you.

Local knowledge: A local life insurance agent has knowledge of the specific needs of people in your area.

Access to multiple insurance carriers: A local life insurance agent has access to multiple insurance carriers, so you can compare rates from different companies.

How to Get a Quote for Life Insurance in Houston

To get a quote for life insurance Houston, you can contact a local life insurance agent or visit the website of an insurance company. You will need to provide some basic information, such as your name, age, address, and health history.

Homeowners Insurance Houston

What is Homeowners Insurance?

Homeowners insurance is a type of insurance that protects your home and your belongings from financial loss. It can cover a wide range of risks, including fire, theft, vandalism, and natural disasters.

Why Do I Need Homeowners Insurance in Houston?

Homeowners insurance is important for everyone who owns a home, but it is especially important for homeowners in Houston. Houston is vulnerable to a number of natural disasters, including hurricanes, tornadoes, and floods. Homeowners insurance can help to protect you from financial hardship if your home is damaged or destroyed in a disaster.

Homeowners insurance can also protect you from financial loss if your home is robbed or vandalized. It can also cover your liability if someone is injured on your property.

How to Choose the Right Homeowners Insurance Policy

When choosing a homeowners insurance policy, there are a few factors to consider:

The type of coverage you need: Homeowners insurance policies typically cover a variety of risks, including fire, theft, vandalism, and natural disasters. However, some policies may offer additional coverage, such as flood insurance or earthquake insurance.

The amount of coverage you need: The amount of coverage you need will depend on the value of your home and your belongings. You should also consider the risks that your home is exposed to.

The cost of the policy: Homeowners insurance policies can vary in cost. Compare rates from different insurance companies to find the best deal.

The Benefits of Working with a Local Homeowners Insurance Agent

Working with a local homeowners insurance agent can offer a number of benefits, including:

Personalized service: A local homeowners insurance agent can take the time to understand your individual needs and help you choose the right policy for you.

Local knowledge: A local homeowners insurance agent has knowledge of the specific risks that homeowners in your area face.

Access to multiple insurance carriers: A local homeowners insurance agent has access to multiple insurance carriers, so you can compare rates from different companies.

How to Get a Quote for Homeowners Insurance in Houston

To get a quote for homeowners insurance Houston, you can contact a local homeowners insurance agent or visit the website of an insurance company. You will need to provide some basic information, such as your name, address, and the value of your home.

[jbffinancialalberta]

Discovering the perfect financial advisor in Edmonton, AB? Navigate your way through expert guidance and secure your financial future with confidence. Read more.

[halo--hall]

filed for an extension on my taxes, set up a payment plan with the irs bc i will never be able to pay what i owe this year, i also have three jobs now, i hate living under capitalism, please clap, etc etc

[sanctus-ingenium]

we need to talk about Inprnt.com

Following a really good post with more screenshots and evidence by @dynasoar5 i'm going to talk about my own experiences with @inprnt and why I am about to put my shop on indefinite hiatus from Monday the 14th of August.

First of all I'll say that since starting my print shop last year it has been a significant help to me financially - I was able to not worry about affording car insurance or motor tax (together commonly over a thousand euro) when I bought my first car, for example. I am immeasurably grateful to anyone who chose to buy one and I treasure all the pictures I've been sent of my prints hanging up on people's walls. Right now they are displayed in a real (if small) art exhibition in my home town.

(top right print is not from inprnt though)

They're great prints. Never had any complaints about them. But here's what's going on behind the scenes.

Earlier this year, around March or April, Inprnt sales started increasing in regularity. I'd made as much as $600 a week during previous sales when I made proper promo posts here, but with this increase in regularity, I felt that I couldn't make promo posts every single week. And then one day, I'm not sure when tbh, the sale just never ended. It just didn't stop having that "Ending soon! 15% off your order" banner at the top of the site. Right now it says "Final Hours: $5 Worldwide shipping and save up to 35% off your order!" and not even for a second do I believe in this final hours bullshit. It's been 'final hours' for weeks now. Months, even.

Why is this a problem? Well, how tf am I meant to make a promo post for a sale that is always "ending soon!!" and then never ends. One week it'll say "this weekend only!!" and then when the weekend is over, the sale banner just changes its wording and the sale doesn't end. I can't promo this, it makes me look like a liar and a skeevy salesman by association! It makes the site look like it's 1 week from crashing and burning, and the site owners are just scrabbling to suck as much money from artists as possible before they drown.

And they are sucking money from us. To peel back the curtain, Inprnt money can only be transferred to my paypal account 30 days after the sale is made, just in case the order is cancelled and refunded. This means I used to make one withdrawal every couple of months, when there was enough build-up of money to make it worthwhile. It also forbids withdrawing any sum under $50 btw. I would make a withdrawal request and then, after a 10 business day wait, it would reach my Paypal account.

Not anymore! The past few withdrawals have taken over a month to complete. They are straight up keeping my earnings from me for longer the agreed period. This was my last fulfilled withdrawal:

Note the date.

Almost two months.

And here is the latest withdrawal request that still has not been fulfilled.

It's coming up on 1 month and if the pattern continues, it could literally be November or December by the time I fully clear all sales.

So what's going to happen to my print shop? Because my art is currently being exhibited with a QR code linking to the shop, I can't close the shop this week. Instead I will close it on Monday the 14th of August, next week. That means that on the 14th of September, I can withdraw all of the remaining money without having any left over. My account balance will go to 0 and stay there. Although I'll de-list my prints I will leave my account there, because at the end of the day I don't want to leave Inprnt. It still offers the best artist margins and as I'm now unemployed after graduating, the additional support is such a load off my mind. So this is a chance to wait and see - if they improve their services, I'll happily re-open.

It's a big deal to me because selling prints is sort of my ideal life as an artist. I never had the attention span or self-discipline for commission work and I found that it left me creatively stagnant. I always want to try new things, new concepts and ideas, and being able to think "yeah, people will like this as a print" while I experiment is honestly very reassuring. And I know that in going on hiatus, it'll break a lot of "buy a print" links in my circulating posts. Oh well lmao. If you want to buy a print right now - go ahead, it might be your last opportunity. Another way to support me would be to check out my ko-fi for once-off donations or some nice sketchbooks/comics/book samples you can buy, or subscribing to my Patreon.

As of right now, Inprnt owes me $381 (the unfulfilled request submitted above for $186.60 and my current standing balance of $194.80 which takes 30 days from each transaction to clear).

[limeade-l3sbian]

Who was Kagney Linn Necessary?

(the gofundme for her memorial/funeral will be at the end.)

Kagney Linn Necessary was born in Harris County, Texas in 1987, and raised in St. Joseph, Missouri and in Ridgway, Pennsylvania. [x]

In her early years, she moved to California with ambitions of becoming an actress and a singer but entered work as an exotic dancer before signing with LA Direct Models, a pornographic agency. Karter entered the adult film industry in September 2008.[x]

But that wasn't the entirety of who Kagney was. At face value, the only information I could find with a quick search was the basic information above from Wikipedia. All anyone seemed to know about her was who she was when she was in the "industry." I wanted to see what I could find about her, the person. Not Kagney Linn Karter, but Kagney Linn Necessary.

I raked through interviews she had, her personal social media accounts, and any other articles that I could find just to find any little facts about her that I could.

I thought about omitting her time within the porn industry to focus solely on everything else except that. But I feel it would be tasteless to keep it out. I think it needs to be mentioned. I think it is important to show that women pulled into the porn industry are not these separate beings from any other woman with dreams. This was a 36 year old woman who was just like any other woman who was preyed upon.

Necessary released an EP, The Crossover, in 2018. In 2022, Karter released her debut album, titled The Take Over. [x] She would post clips of her singing covers of songs as well as songs from her upcoming EP on her Instagram.

In 2022, she began learning how to play the piano, even posting a video of her progress.

Necessary was also a recovering addict. In 2021, she posted about the things that helped her stay clean and how she was pleased at having a second chance at life. In an interview, she was intentionally vague about the substances she used, only referring to them as "candy" and "a little bit of everything." But with no insurance or money for rehab, she opted to detox herself at her parents home, working at their tanning salon for free in exchange for "produce."

She moved from Los Angeles to Ohio in 2019 and got involved with pole dancing fitness studios before being involved the opening of one in Akron, called Alchemy Pole Fitness. She posted many videos of herself having fun and practicing new/old moves.

In November 2023, she was posting pictures of her new house and how well it was coming together,

[their website leads to a website called Alchemy Space Studios and says that it was founded and run by a separate woman. But upon looking up the LLC for the business, Kagney is named as the registrant and she is named as the owner of the space in two separate articles.]

In 2015, Carter claimed musician Chris Brown paid her $2,500 to be his escort. She reportedly tweeted things like 'I WILL NEVER F*** A WOMAN BEATER EW DISGUSTING' and 'HE IS PURE EVIL' about Brown.

I just felt like adding that because what a queen.

From her students from the studio and friends, she was known to love animals, including her dog, Murphy, and had a deep devotion to the community she was cultivating in Ohio. She was known to be fearless and empathetic, creating her studio as a place for people to feel safe and accepted.

These were the things I could find of her from her personal accounts and the people who loved her. She wasn't an object that will be missed for what "uses" it had. She was a woman who had dreams, who had a community who love her, who had a husband who loves her, dogs she cared for and loved who loved her, and a mother who loves her. I didn't want her story to be another reblog of a lost life.

I know this post is sporadic and clunky, but I wanted to just grab any information I could without crossing boundaries (ex. contacting the family or something tasteless like that). I just wanted to share what she had already shared with the world.

Her friend, Megan Lee, has posted a gofundme that has already surpassed their goal. But I would still suggest donating if you are able. Rest in peace, Kagney Linn Necessary. 💜

[thesafecafe]

BBHMM

Summary: Yuta hasn't been answering your calls. It seems like he's completely ignoring you, so you decide to pay him a little visit.

CW: 18+, MDNI, violence (a slap or 2), mentions of substances, (weed, alcohol, cocaine, etc), cussing, slight angst, illegal activity, strip club owner Yuta x black fem reader, serious conversation between parents, tension, (Yuta isn't exactly over the reader and is whipped), suggestive, smut, dom reader, switch/sub leaning Yuta, he cums quick, reader is called mistress, finger sucking, handjob, thigh riding, hair pulling, making out, slight degradation (giving), ass slapping, I think that just about covers it! enjoy! Feedback is appreciated! (apologies to any Prius drivers in the audience 💀✋🏾)

Disclaimer: I do not believe that the members of NCT would act in this way , nor is it a representation of their real life actions or personalities. This is a fictional depiction for entertainment purposes.

Words: 3,582

Yuta was ignoring you. You didn't think much of it at first. You knew he was busy with work most of the time, usually making a point to tell you he'd be busy or getting back to you later. But for the past few weeks, every time you would call, there was no answer. At first, you were concerned, since it wasn't like him to not answer. But it got to the point where instead of letting it ring, he'd send you straight to voicemail. That was what pissed you off. You couldn't stand not having good communication, especially since you had children together.

Your twin girls, only two years old, were always asking about their father. Constantly asking when they would talk to him, or see him again, it broke your heart when you saw their disappointment flickering across their faces when you would tell them he was busy at work.

And speaking of your children, you were also concerned for their needs. While you did work to support the three of you, your job only paid you enough to cover basic bills, clothes for the twins, and your groceries. Yuta usually covered everything else, from the rent and insurance to the twins daycare fees; he usually left a stack of bills on your bedroom dresser when he came to visit.

He insisted you didn't need to work, but you were stubborn. You felt you needed your job in case of emergencies. In case of times like these. While you hated to admit it, your babies depended on that money. Being an inconsistent parent was not going to cut it; you couldn't afford that. You didn't know what his problem was, but you were sure as hell going to find out.

You called your mother to watch the twins, leaving them in her care for the night. You waved one final goodbye to them before going back home to change. Your baby daddy had clearly forgotten who he was dealing with. If he thought for one second you were going to let him abandon his daughters, and only be a "sometimes dad," then he was sorely mistaken.

—

Club Highway to Heaven was packed. It was usually brimming with customers; slow days were rare. Due to its location, it was a popular nightlife spot, with minimal competition. Spotting that the line was wrapped around the corner as usual, you immediately pulled around to the back parking lot reserved for the staff.

No one would bother you about parking in the back, and there was a parking space Yuta had reserved for you. But as you pulled forward, you saw a car in the space next to Yuta's. A gaudy pink Prius with cat ears on top sat there, in your way. In your space. "Ohhh, I see what this is about." You laughed softly, shaking your head.

You chose a random space to park in, not far from the back entrance. You got out, quickly making your way to the door, and putting in the code. You knew Yuta never changed the codes to this place, in spite of your many warnings about safety. Swinging the door open, you step carefully into the club. Immediately, you are transported to a different atmosphere.

The purple lights of the club caress your skin, enveloping you into the overall ambience. As you walk to the main floor of the club, the strong smelling mixture of alcohol, sweat, and weed make you choke out a cough.

Passing through the main floor, you see many half naked women, some walking the floor while others slide down poles. A familiar Rihanna song blares through the club speakers. Bottle girls in outfits nearly as skimpy as the dancers run around with drinks, trying to service their sections as quickly as possible. Men and women alike were cheering and throwing money like there was no tomorrow.

'Business is definitely booming.' You thought as you crossed the floor, and walked towards Yuta's office. You stopped when you reached the door, guarded by a massive, familiar bouncer. "Andre, long time no see. How's it going?" Your tone was sweet, calm. It would put anyone who didn't know you at ease. But the giant man at the door knew the look in your eye. It meant business. "Not too bad miz' Y/N. Here for the boss?”

"You know it." Andre gave you a knowing smile and stepped aside, letting you pass into the office. You walked slowly inside, not wanting your heels to give you away. Inside the office, Yuta sat behind his desk. A woman, presumably a dancer, sat in his lap. Her hand was on his chest, as she laughed at something he said before you came in.

"Well what the fuck do we have here?" Your casual words startled the pair. Yuta jumped, knocking the girl onto the floor. You'd probably laugh if you weren't pissed off. "Oh shit, Y/N! What the hell are you doing here?" Yuta asked, quickly adjusting his coat over his chest, as if he hadn't just been being felt up by one of his dancers.

"What the hell am I doing here? Oh I don't fucking know Yuta, maybe checking in on my children's dumbass father, who apparently forgot how to answer a got damn phone call! You've seriously been ghosting me to try and get your dick wet?!"

You were yelling now, and you hadn't meant to explode like that, but it was the last straw. Seeing him sit there, seemingly enjoying himself, while you had been worrying yourself at home had pushed you to the edge.

You took a deep breath, trying to compose yourself. Yuta looked at the dancer, catching her eye. "Candy, can we get some privacy please?" The woman, who'd been sitting on the floor the whole time, quickly got up, fixing her outfit before trotting out of the room. When you hear the door close, you release the breath you were holding.

"Y/N, I'm sorry. Can you please let me explain?" Sighing, you nod, earning a gentle smile from him. He grabbed your hand, guiding you to sit down in one of the mismatched chairs he liked to keep around. "Don't think you're off the hook though Nakamoto. I'm mad as fuck, and I don't want excuses, I want answers."

"Okay Y/N, calm down, you know I'll give it to you straight. I wouldn't lie to you." You raised an eyebrow. "Okay maybe not all the time but- you know what, nevermind. I apologize for not returning your calls. Work has been busy." He gave a noncommittal shrug, but he wouldn't look you in the eyes. He was hiding something.

"So busy that you can't make time for your daughters? They ask for you every day. They haven't seen or heard from you in weeks Yuta! They ask for you all the time, and I have to be the bearer of bad news and hold them when they cry because their daddy is busy with 'work.' I've been calling, and you wouldn't know if they were sick or in need of something because you haven't bothered to pick up your damn phone.”

Yuta hung his head low, fiddling with the rings on his fingers. "You're right. I'm sorry. I was wrong for going off the grid like that, and you and my babies didn't deserve it. It's just been way harder lately to manage things.”

Yuta rubbed his face, and for the first time, you took in his full appearance. His coat hung off of his arms, exposing his tense shoulders. He looked paler than usual, and there were bags under his eyes, barely concealed by make-up. He looked tired. "Talk to me. What's been going on?"

"I... had to fire my head manager. He was sneaking in coke bricks for some of the dancers. And I've been trying to find the source, since every other day, a dancer is showing up high off their ass. I've got to hire new security, since some people like to sneak in." He gave you a pointed look. "And I'm not trying to 'get my dick wet' as you so nicely put it. I was trying to investigate."

You regarded him skeptically. "Getting felt up by your employees is what you call investigating? Okay Mr. Officer." Yuta rolled his eyes at you.

"Getting that close to any of the dancers is hard enough, but you just happened to ruin my meeting with one of the biggest suspects in here. Candy is a ringleader of sorts. She was fucking that manager, and I'm pretty sure he's still got her running coke in here out of spite. But I don't have enough proof, since the other dancers are scared of her. I needed to get the information somehow, but alas, here we are."

You thought back to the woman who'd been there just a few minutes ago. She didn't seem very imposing from the floor, (and clad in a skimpy pink two piece set with cat ears), but you knew you shouldn't judge a book by its cover. Your eyes widened as you realized something. "So that's the tramp who was in my parking spot! With cat ears!"

Yuta's ears turned red. "You uh, you saw that?" He stuttered, embarrassed. "Hell yeah I saw it! It would be a bitch who drives a Prius. That ugly ass car." Yuta couldn't help the snort that passed his lips at that.

"In spite of all that though, I understand why you've been busier. But you still could've sent me a text back, an email, hell, a regular letter in the mail! Anything to tell me you were alright. You made me worried, Yuta. We promised to communicate, for the sake of our girls and to maintain a good emotionally safe environment for them. They need us both, and this inconsistent parenting can't go on. I'm willing to help you with whatever it is you need for this place but don't shut me out. That only hurts us all. Okay?”

"Okay. Again, I'm sorry. I'll do better Y/N, for you and my girls. You have my word." Yuta leaned across his desk, offering you his hand. Resting your hand on his, you held back a shiver as he kissed the back of your hand. His lips were warm and soft against your skin. The tension in your shoulders slowly melted away as he kept your hand in between his, rubbing it softly. It was a habit he'd learned, back when you were together, to help calm you down.

He committed all small habits of yours to memory, easily able to perceive your mood. Now, as he sat playing with your hand, his thoughts were whirling. He still felt guilty for the way he'd left you in the dark, and he felt extra guilty that you saw him with another woman on his lap.

Even though the two of you weren't together, he couldn't help feeling like he'd betrayed you. He suppressed the feelings that the ache of not being with you brought to the surface, opting to press on for the sake of his business. But the truth was that he wasn't over you. He hadn't been on the dating scene since the end of your relationship.

His dates with Candy were never anything physical. Tonight was as far as it had gotten. Internally, he felt repulsed at her constant advances; he was only trying to get information. But you weren't anymore aware of his lingering feelings than you were of his whereabouts the past few weeks. He wanted to make it up to you, and being the man he was, Yuta had an idea.

Bringing your hand up to his lips, he pressed another kiss against your skin, and another. "Boy, what are you doing?" You pulled back, but he gripped your hand. "I'm apologizing. Won't you let me show you how sorry I am, mistress?" A sudden, strong pulse thrummed between your legs. Your eyes widened, and so did Yuta's grin. Your cheeks warmed.

"Don't- Yuta, don't play with me like that-" You are cut off when he takes one of your fingers into his mouth, closing his eyes as swirled his tongue around it. He moaned, before sucking it deeper into his mouth. Your mouth hung open at his audacity. You'd forgotten how bold he could be; but your body remembered.

Your legs shifted on impulse, muscle memory betraying you. Yuta released your finger slowly, his tongue trailing the underside of it before letting it go. "Who said I was playing?" His voice was low, dripping in lust and desire. You felt another pulse, stronger this time, and the familiar, slick feeling of your arousal gliding down your thighs.

"Yuta..." You say his name in warning, but truly as an anchor for yourself. "Please? I promise I'll be good. I'll do anything you like. Whatever you want, I'll do it." You felt the temptation of his offer course through your veins for a moment or two, before you caved. "You'll do anything, hm?”

Standing from your chair, you walked around his desk. You straddled his lap, and cupped his face in your hands. "Yes. Anything." The words are barely out before your lips are on his. His lips were fervent against yours, and his arms slid up, trapping your waist against his.

You took control, pushing his head up for a better angle. Yuta let you use his mouth, letting you do as you pleased; sucking and licking your tongue against his, biting his lips, anything you wanted. Just like he'd said.

Breaking away from his lips, you pushed his jacket down, off of his shoulders. Taking the hint, he sheds the coat completely, and you run your hands along his skin. Your nails graze his stomach, earning a low groan from the man beneath you.

Grinning, you slide off his lap, shimmying out of your underwear. Sliding carefully back into his lap, you gripped onto his shoulders. Understanding your intentions, Yuta tensed his thigh, watching as you pushed yourself back and forth. His eyes glazed over. He loved watching you use him to get off. “I see you still haven't changed; begging me to use you like a whore.”

Yuta swallowed thickly, holding back a moan. He felt himself twitch in his pants. “What's the matter baby? You like being reminded how easy you are?” You looked down at him, but his eyes were locked onto your pussy, grinding into the leather material of his pants. You move your hand from his shoulder, up to his hair. You gently pull his head up until his eyes are on yours. “Eyes up here pretty boy. I asked you a question.”

It took a minute before he remembered your question, his eyes darting in confusion. “Yes mistress, I like it.” You chuckled, tightening your hand around his hair. He moaned, leaning into your touch. “Pussy makes you go all dumb, huh?” Yuta nodded, and you released him, letting his eyes fall back to you on his thigh. Eventually, you felt that familiar heat in your clit. Your eyes roll back as your orgasm pulses through you, and Yuta holds you tighter as you rock your hips through it.

When you stop, taking a few moments to catch your breath, you find Yuta staring at you. His gaze is heavy, intense in a way that has your breath catching. It was a familiar look. Your heart squeezed in your chest, but you ignored it, opting to distract yourself. “Your turn, pretty boy. Take those pants off.”

Yuta blinked, breaking his focus on you for a second, before his features shifted into a lazy grin. He picks you up, setting you carefully on his desk, before obeying your words. He unbuckles his belt with one hand, winking at you as he does, before sliding his pants off. “Show off,” You mutter as he picks you up again, placing you over the bulge in his lap.

You scoot back, giving yourself enough room to palm him through his boxers. “Aw, what's the matter, too scared to ride me?” Yuta bats his eyelashes at you, fake concern dripping from his words. You pull his dick out, not taking the bait. “The last time I rode your dick, you got me pregnant, and we don't need anymore surprises.”

Before he can come up with some snarky comment, you start stroking him, your hand squeezing up and down his length with just enough pressure to shut him up. Yuta threw his head back, moaning loud and unashamed. “Please, fuck, just like that.” He panted, feeling himself embarrassingly close to his high. He tried to hold back, wanting to savor the feeling of your hands on him.

But between the pent up frustration of the past few weeks, and his ever present desire for you, the sight of you focusing on his pleasure is too much; before he can warn you, his orgasm slams into him, crashing like waves. Your eyes widen a bit, but your hand doesn't stop, until you see his hips twitch, legs shaking from the intensity of his release. You move your hands, rummaging through his desk drawer for a towel.

His cum covers his legs, stomach, and your hands. You're sure some got on your dress as well, but it doesn't bother you as much as it probably should. You wipe your hands off before starting to clean him. “Easy there, pretty boy. Breathe.” You coach him gently, running a hand through his hair as his heavy panting slows to quiet, even breaths. When you're sure he's calm, you kiss his forehead, then his lips.

“I mean what I said Yuta. You'd better keep your promise or else I'll burn this bitch to the ground.” You poke his chest, and lean into his face. Yuta smiles at you, and for a moment, you're distracted by his beauty. “Okay, I'll be there tomorrow. I promise. I won't let you down, not again.” He slides his hand into yours, lacing your fingers together. He brings your hand up to his mouth, kissing the back of it.

Your heart flutters at the gesture. Your moment is interrupted however, by your phone’s notifications going off. “I should get out of here, I need to go to work in the morning.” You slide off of his lap, standing to adjust your clothes. You see your underwear on the floor, and you bend to pick them up. Before you can reach them, you are startled by a stinging slap to your ass.

You jump up, turning to glare at Yuta, laughing his ass off. “Sorry, I couldn't resist; it was in my face!” Your eye twitches, and the laughter in his throat dies. You decide to let him get away with it for now, opting to walk out of his office. “Wait! Let me walk you out at least!” You raise your hand to acknowledge his request, before stepping into the hallway to let him get dressed.

You are expecting to find Andre still outside, but instead of the massive guard, you come face to face with two dancers. One of them was the girl from earlier, Candy. “So this is the bitch Candy? He threw you out for her?” The other one’s nasally voice immediately makes you annoyed. “Yeah that's her.” Candy steps forward, getting in your face. “Look here, bitch, I don't-”

She is cut off when your hand collides with her face, knocking her backwards in her heels. She falls to the floor in a pathetic heap, before gathering her bearings. Shock paints her face. “Did you just slap me?” You tilt your head, looking down at her. “Nooo, I gave you a hug. What do you think?”

The other dancer stomps over to you, but before she can swing, you land another slap, knocking her to the ground with her friend. Just then, Yuta emerged from the office. “Y/N what's- going on…” His words die as he sees two of his dancers on the floor. From the expression on your face, he already knew what happened. “Yuta! She slapped us and we weren't-” He holds up his hand, silencing the lie about to spill from his dancer's mouth.

“Candy, Cherry, this is my children's mother. You will treat her with respect, and if I catch you doing otherwise, we will have problems. Is that understood?” Both dancers looked down at the floor, mumbling a weak “Yes Mr. Nakamoto.”

Yuta jerked his head, signaling for them to get lost. When they were gone, you turned to him, one eyebrow raised. “Sorry about them, like I said, it's been getting out of hand. Here,” Yuta took your hand, placing a large stack of bills in it, “let's get you home, so I can shut this place down.” He walks you down the steps, before a few members of his security team follow you through the club to your car.

Making sure you get in your car safely, Yuta shuts your door. You roll your window down to speak. Yuta beats you to the punch though. “Do I ever tell you how hot you are when you're mad?” You roll your eyes at him, and he laughs, taking your hand. “Tomorrow Yuta, remember.” You look at him expectantly. “Tomorrow. I promise.” He squeezes your hand, and all you can do is hope that he keeps it.

------------

Tagging: @ddeonghwassimp, @nirvanawrites111

[wildemaven]

he makes life better | joel miller

-> pairing: no outbreak!joel miller x reader

-> word count: 1335

-> content warning: 18+ blog; bad day, annoyed with work, dealing with flat tire, joel being sweet, lots of fluff

-> note: this is for my sweet friend @gnpwdrnwhiskey hoping this brings a smile to her face 💞 this isn’t beta’d either so it’s probably filled with mistakes lol.

masterlist

Joel ❤️: How’s your day going Honey?

I’m so ready for my shift to be over. I’d rather read the dictionary, front to back, than deal with the shit they have me doing today. 

RING

“That bad, huh?” Joel’s voice brings you an instant smile when you answer his call, silently stepping away from the mess that you were dealing with at work. 

“You have no idea. It already feels like it’s been the longest week, today has just added to the shit show life keeps throwin’ at me lately. Went to leave for work this morning and I had a flat tire. Ugh! I’m sorry for complaining.” You vent to him, tucking yourself in a secluded corner. You were going against policy by taking a personal call while on the clock, but you didn’t care about company policy or the outcome of you were to get caught at the moment— Joel was your only focus right now. 

“Hey, none of that. Don’t apologize for being stressed. Why didn’t ya call me ‘bout your tire?” Joel asked. 

You know he would’ve dropped everything the minute did call him, which is also why you didn’t. He had been stressing over starting at a new job site, one of the biggest ones he had been hired for. The last thing you wanted was to add to his already busy day of things he had to deal with. 

“You’d already left for work and had that new job you’ve been talkin’ about. Didn’t wanna bother you with it. I called AAA and had them put the spare on for me so I could drop it off at the tire shop. Now, I’m unexpectedly the owner of 4 new tires.” 

“I don’t care how busy I am— you need something, you call me, no matter what. Got that, Honey?” 

“Got it, Joel. Thank you.” You smile into the phone at his concern for you, always finding ways to make you fall even deeper in love with him. 

“Good. Hey, I gotta go. Tommy looks like he’s about ready to break his back. I should probably go help him before he actually does and my insurance takes a hit. I’ll see ya tonight then, sweetheart?” 

“Yeah. I should be outta here in 3 hours.” The end to your long shift, almost over. 

“That sounds great! I love you, Honey. I’ll see ya later.” You can faintly hear Tommy cursing in the background. 

“Love you too, Joel.” You tell him before the line goes dead. Giving yourself a few minutes of quiet before heading back to join your team and the never ending line of customers. 

The rest of your shift goes by fairly quickly. Joel’s phone call must have been just the moral boost you needed to sprinkle a little bit of extra positivity into your day.

The minute the clock hit 5 pm, you wasted no time clocking out and logging out of your computer for the day. Deliberately bypassing your usual exit path to avoid any chatty coworkers, Joel and home your main focus of the rest of your day, you weren’t going to waste any time stuck in drawn out conversations. 

Your purse thrown over your shoulder, work apron crumpled in one hand and the other holding your empty tumbler that once held the warm delicious coffee you had hoped would sustain you through the day, now wishing it was filled with something a little stronger to help you unwind when you got home. 

It’s a struggle trying to juggle your things as you search for your keys, lost somewhere in the depths of your purse along with the rest of your life's necessities. You pause in the middle of an empty parking space near where your jeep is parked to give the search your full attention. After some thorough digging, you locate your keys and let out an exasperated sigh, one step closer to being home. 

Taking a step forward as you press the unlock button on your key, you look up to see an unexpected sight. A familiar truck in the parking spot next to yours, and the most handsome man leaning on it. He looks like he came straight from the job sight, too. His peppered grey hair disheveled, but his soft curls were still intact even after a long day. The sleeves of your favorite green flannel are rolled up over his flexed forearms that are crossed against his chest, the fabric stretched over his broad shoulders. 

The sight of him is enough to melt away any of the bullshit you had endured over the past week, a completely welcomed surprise. 

“What are you doing here?” You ask him, letting your feet carry you the rest of the way to him. 

“Heard you were havin’ a shitty day. Couldn’t let my lady end it on a bad note.” He croons, pushing himself off the side of his truck, opening his arms to you. 

You melt into him, your face nestled into his shoulder. His rugged scent of musky vanilla and natural pheromones is permanently infused into the fibers of his shirt, it’s your favorite thing ever. His strong arms wrap around you as he presses a soft kiss to your temple, prompting you to straighten up, looking into his amber eyes. 

“Hi, Cowboy.” You beam at him. 

“Hi.” He says, leaning in to gently mold his lips over yours. “I’ve got a surprise for ya, Honey.” 

“This was enough of a surprise for me. What more could I need?” Stealing another kiss from him. 

“If I tell ya, it won’t be a surprise then, will it?” He says, tilting his head slightly as he looks at you. 

“I guess you have a point.” 

“We’ve gotta get going though, it’s time sensitive.” He grabs for your things and walks you around to the passenger door, holding it open as you climb in. “We’ll grab your jeep in the mornin’, if that’s okay with you?” 

“Whatever you say, Cowboy.” He leans back in for another kiss, before making his way around into the driver’s seat. 

*

The drive isn’t long. Down some familiar roads that lead to a dirt one off the main highway. His truck travels down the gravel road lined with a barbed wire fence. After a few minutes he’s pulling off to the side and killing the engine. 

“You brought me to my favorite place.” Looking over to his side of the truck, where he’s already looking in your direction. Your heart grows at how he thought to bring you here, knowing how much joy it brings you every time. 

“Thought you could use it. Look, here they come.” He says pointing to your window. 

Off in the distance, the small herd of cows were in pursuit of their evening meal and water break. Mamas with their little rambunctious calves trailing behind, trekking along the same path they travel each evening. 

It’s a calming sight. Their heads bobbling with each dramatic step. Tails whipping over their rear ends to swat away the annoying flies. A few stopping mid trek to look in your direction, letting out a long drawn out moo. Their friendly hello, it’s good to see you again, then back on the move. 

The sky is painted in pinks and purples as the sun dips below the horizon. Your day feeling less shitty as you sit silently in the cab of Joel’s truck. His hand resting on your thigh while his thumb draws soft circles over thick denim seam. 

“Thank you for this. Didn’t realize how much I needed it. I love you, Joel.” You tell him, rolling your head over the headrest in his direction. 

“I did it because I love you, Honey. And s’what I’m here for.” There’s a low rumble in the air as he turns the key over, shifting the truck into drive. “Now, how ‘bouts we head on home and I spend the rest of the evenin’ show you all the other ways I love you?”

“Take me home, Cowboy.” 

[girlactionfigure]

THURSDAY HERO: Ernst Leitz II

German businessman Ernst Leitz II, owner of the Leica camera company, saved hundreds of Jews from the Nazis by “transferring” them to Leica offices around the world. Ernst inherited the Leica camera company from his father in 1920. It was founded as Leitz Camera in 1869 and later took on the name Leica: Lei for Leitz + ca for camera. From the beginning the company stood out for the compassionate way they treated their employees, many of whom were Jewish. Leica provided health insurance, sick leave and retirement pensions.

After Hitler became Chancellor in 1933, the Nuremberg laws were enacted, depriving German Jews of the rights of citizenship. They were banned from schools professions, and lost many of their most basic freedoms. Ernst Leitz began receiving desperate calls from his Jewish employees, begging him to help them escape.

Leitz hatched a brilliant plan. He began “transferring” his Jewish employees, along with their extended families, to Leica sales offices in France, Britain, Hong Kong and the United States. After Kristallnacht, when hundreds of Jewish businesses and synagogues were destroyed throughout Germany, Leitz’ rescue efforts kicked into high gear. At this point, all of the refugees were being sent to America by ocean liner. Once they arrived in New York they were instructed to go to Leica’s office in Manhattan, where they received a Leica camera and a weekly stipend until they were employed. The Jewish refugees went on to careers in photography, camera repair, sales and marketing.

To save Jews, Ernst Leitz risked the company he and his father had lovingly built over 70 year. Indeed, he risked his entire life.

The Leica Freedom Train operated until September 1, 1939, when Germany closed its borders. The Nazis suspected that the Leica company had been illegally helping Jews escape, but they were unable to pin anything on Ernst Leitz, and instead arrested his top executive, Alfred Turk, who was imprisoned until his boss paid a huge bribe for his safe release.

Even after the borders were closed, Leitz’s daughter Elsie Kuehn-Leitz continued helping Jews escape from Germany. Elsie was captured by the Gestapo while smuggling Jewish women into Switzerland, and thrown into prison, where she endured harsh interrogation and frequent beatings before being released in the early 1940’s. By that point, the Nazis had forced the Leica plant to hire 800 Ukrainian women as slave laborers. Elsie spent the rest of the war advocating for these women and working to ensure they had acceptable working and living conditions, and were treated humanely.

Later to be known as the “Leica Freedom Train”, Ernst Leitz’ bold plan saved the lives of 200-300 Jews.

A rare light in a sea of darkness, the Leitz family never wanted publicity for their heroism. The story of the Leica Freedom Train only came out after the last immediate Ernst Leitz family member was dead.

For their courage and sacrifice, we honor Ernst Leitz and his daughter Elsie as this week’s Thursday Heroes.

[robfinancialtip]

🗽🌍Raja Iqdeimat, a successful pastry firm owner, describes her story. Born in Abu Dhabi, she grew up in several places, including Libya, Lebanon, Jordan, and Kuwait before moving to Turkey, California, and finally New York. Despite her parents' lack of education, she was the first member of her family to pursue higher education and succeed. She credits her parents for instilling entrepreneurial skills and determination in her despite their lack of formal schooling.

👨‍👩‍👧‍👦🌱Growing up as the youngest member of a large family of nine, Raja felt unusual, but she believed that each family had a unique person who contributed in different ways. Despite lacking a formal education, she describes how her father was a successful businessman who inspired her to pursue her aspirations. Raja's mother, though uneducated, was hardworking and concerned about her family's well-being, imparting in Raja a strong work ethic and tenacity.

😔💼Growing up in different places and seeking a profession in finance was filled with personal losses and difficulties. Despite working as a brokerage manager in Jordan for seven years, dealing derivatives, equities, and bonds, she felt great loneliness following the deaths of her parents when she moved to the United States as a single mother without a broker's license. When the mass layoff in 2008, she was unemployed for six to seven months in California, struggling to support herself and her kid. Realizing that California's emphasis on the film industry did not fit with her career goals, she boldly moved to New York, where she swiftly obtained a job at an insurance firm and began rebuilding her life.

🏙️🎉While working at a New York bank in 2018, her manager questioned her capacity to buy a Manhattan apartment, which proved critical. This distrust motivated Raja to pursue entrepreneurship and independence. Despite difficulties and misgivings, she bravely launched her own business, motivated by her passion for entrepreneurship and need for autonomy. This marked the beginning of Délice Macarons, her venture into the world of cooking pastry, and her journey toward self-reliance and success.

🚀🧁Raja, a dessert shop owner in New Jersey, faced challenges during the COVID-19 pandemic. Despite lacking retail expertise, she managed everything from decoration to recruitment, relying on her entrepreneurial flair. She and her chef friend opened their first physical store in Cranford, New Jersey, in January 2020. Despite financial constraints, they shifted their business strategy to focus on fundamental products like bread. Raja's resilience and ability to transform adversity into opportunity remained evident.

🌟🗣️Raja's message encourages listeners, emphasizing the value of endurance, adaptation, and believing in oneself. Despite various barriers, including financial difficulties and the enormous task of beginning a business in a new nation, she stayed determined to succeed, demonstrating that anything is possible with devotion and hard work. Raja's path demonstrates the importance of taking risks, pursuing passion, and never giving up on one's goals. Her tale resonates with individuals who want to overcome obstacles and succeed on their terms. Raja highlights the importance of perseverance, hard work, and financial acumen. She promotes confidence in oneself and pursuing one's goals, emphasizing that hard work combined with passion may lead to success in any activity.

[autumnmobile12]

My Hero Academia: Healthcare?

I don't know if any fanfic writers will find this useful or not, but I think the information is interesting and worth speculation in the My Hero setting. This also applies to any fanfic writers in the anime fandoms who want to have more immersive and in-depth writing. Obviously, writing fics that are 'accurate' is not a requirement since the point is to have fun, but here's some knowledge to use (or not use) if anyone is interested.

Obviously, Deku's been in the hospital a lot. A lot of the characters are injured and in the hospital a lot. But for all the hospital visits, nobody in the series is going to be bankrupted by astronomical healthcare costs. (Yes, that's a jab at America's system.) And it's not because the Pros, especially the popular ones, have money.

Here's why:

Quick rundown of how healthcare in Japan works: Everybody receives healthcare, everybody has health insurance. In Japan, your employer is legally required to provide you with health insurance. If you are unemployed, you will be on a community healthcare plan. There is also a plan for citizens over the age of 75. This also applies to foreigners who have established permanent residence of three months or longer.

Article 25 of Japan's Constitution is paraphrased as follows:

“all people shall have the right to maintain a certain standard of healthy and cultured life” and that “the state shall try to promote and improve the conditions of social welfare, social security, and public health” for this purpose.

I'm not going to reiterate the system in its entirety, but if you would like to learn more, this site here (the Article 25 quote I used is also found on that page) has a brief and comprehensive explanation of how healthcare is handled. However, one thing I am going to mention that is relevant for Deku and other Pros is the threshold out-of-pocket expense.

In Japan, citizens enrolled in healthcare do not spend more than ¥90,000 per month out of pocket, protecting them from financial disaster.

(To Americans, this may sound like a sweet deal, but hold your horses because Japan also funds this system through heavy taxation. Medical procedures are expensive and people will be paying for them one way or another.)

The question that needs asking now is how does this system apply to the hero society? Well, first off, since My Hero does take place in a slightly futuristic setting, we could take into consideration the system has been revised.

Assuming not much as changed, are heroes that operate their own agency technically considered business owners and are required to insure their employees and sidekicks?

Or...

Because they are all government employees, is the Safety Commission responsible for insuring all heroes and sidekicks no matter what they rank in their popularity?

Personally, I think it would be the latter since, in the coldest sense of the word, the heroes are essential to the Commission in upholding their system. So that makes them an asset. The Commission would want to protect its assets because as shady as they are, their own system could work against them. They certainly don't want heroes going on strike for lack of benefits or complaining the government doesn't take care of their people. So I assume it's the Commission who is covering insane healthcare costs on behalf of heroes.

(And since the system is probably funded by taxpayers' money, that also feeds into the prevalent societal discontent that's ongoing throughout the series.)

Now what about Deku and his classmates since they have not graduated and are not officially licensed yet? Honestly, I think it's probably UA itself that insures the students. That probably has to do with accreditation and so on, which is another matter entirely, but again, the backing is likely coming out of the Commission (and taxpayers') pockets.

And there you have it. Happy writing, happy research.

[jbffinancialalberta]

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