#this is a new low...

[juminhandfs]

We used to be a proper country...

[bucksboobs]

Richard Siken… Richard Fucking Siken. You asked RICHARD SIKEN if his poems were inspired by BUDDIE. Gay men do not exist in people’s heads except as props huh?

[politijohn]

Source

Yes, you read that right…

Habitat for Humanity

[destielmemenews]

"School districts currently work with processing companies to offer cashless payment systems for families. But the companies can charge “processing fees” for each transaction. By law, students who are eligible for reduced price meals cannot be charged more than 30 cents for breakfast and 40 cents for lunch. With processing fees, however, families can end up paying 10 times that amount. Processing companies charge as much as $3.25 or 4% to 5% per transaction, according to a recent report from the Consumer Financial Protection Bureau."

source 1

source 2

source 3

[hinamie]

10 years later

[phantomrose96]

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

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

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

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

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

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

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

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

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

Except no, it does not work like that.

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

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

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

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

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

So how do people avoid financial destitution when moving?

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

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

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

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

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

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

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

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

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

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

So what do I mean by all this

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

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

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

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

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

So in conclusion?

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

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

[laughingcatwrites]

As a reminder that good exists out there, a coworker recently confessed to me that he found out his child is questioning their identity (kid's gender redacted for this post). The kid is keeping it from him, so he can't say anything to them or show that he knows, but he's doing his best to get mentally prepared and educated so that he'll be ready whenever his kid does feel comfortable enough come to him.

For context, this guy is a big, bulky middle aged dude who loves sports and typical outdoor "manly" activities. As his coworker and friend, I know he's a kind and sweet teddy bear of a person, but his kid probably views him as a stern, authoritarian figure, the way most teenagers view their parents. His family lives in a conservative area, so I'm sure between that, their dad's looks and interests, and the fact that their dad is a Figure of Authority, the kid is worried that they won't be accepted.

But you know what? When he found out about his kid, the first thing he did was reach out to his closest queer friend and ask for resources for parents of questioning children. His biggest fears are that his kid will be bullied or discriminated against and won't feel comfortable enough to be themself. His second action was to find himself a mentor in another parent who went the same situation (kid coming out in a conservative town). The other person is preparing him for some of the struggles his kid may face and the fights he may need to take on as a parent to make sure his kid is safe and treated well.

Something I want to emphasize for people focused on language as the primary method of allyship is that when we spoke, he used some outdated terms and thoughts about gender and sexuality. That does not make him bad. These were the terms and thinking used about questioning teenagers when he was growing up and he never needed to learn more current ones. But now that he does have that need, he's throwing himself in head first because that's his kid and he's darn well going to make sure that his kid feels welcomed and has a safe place to be themselves even if they never come out to him.

[fagtainsparklez]

they hated him for his low-empathy autism swag

[stil-lindigo]

The UNRWA is concerned that if they do not receive more funding they will run out by the end of February please spread this message

in case any of you missed it, despite the ICJ's ruling for Israel to facilitate MORE aid into Gaza, the global west has responded by cutting funding to UNWRA, which is responsible for delivering significant amounts of aid into Gaza, as well as surrounding areas such as Lebanon. The countries cutting funding consist of the US, Australia, the UK, the Netherlands, Swritzerland, Italy, Germany, Finland, Canada and Japan. This was all due to a claim by Israel that members of UNWRA were Hamas-members or sympathisers which, at the end of the day, is a claim that concerns only 12 members in a total of 30,000.

Without proper funding, UNWRA is likely to run out of resources by February of this year (only another month) and urges the countries that have suspended donations to reconsider. This is a blatant move from the colonialist countries of this world to starve Palestinians even further when they are already facing unforeseen levels of famine.

Please take some time out of your day to call your reps, your political leaders and urge them to restart their funding. In the meantime, here is a link to donate to the UNWRA.

[an-established-butt-dent]

I'm a bald Solas lover I swear!!!!

—> Process video under the cut because of flash warning.

[f-misc]

Captain America: Brave New World sambucky gifset (part 1 of 7)

[buotella]

TAYLOR SWIFT & BEYONCÉ The 2009 MTV Video Music Awards — September 13, 2009 The 67th Annual Grammy Awards — February 2, 2025

[fir-fireweed]

Intro Post for my new WIP, “Cantata.” If you haven’t yet read my completed IF, “Viatica,” you can find it here on itch.

Ko-Fi Link Here

A low fantasy IF loosely based on the Italian Renaissance period, with a steampunk edge.

DEMO on Itch

SYNOPSIS

The story is set in Saleste, an empire with a long history of expansionism and colonization. It is a vast, wealthy empire, very much set in notions of classism and noble privilege. And its warmongering has only grown more brazen under the current regis (monarch). Saleste is currently at a stalemate with Tinebaille, a neighboring island nation the empire has repeatedly tried, and failed, to conquer.

Within the empire, technically citizens but not, are the Iredicci. The Iredicci are as much a religion as they are a race—less like priests and more like monks or shamans. The Iredicci can hear and feel the cordis, the harmonic pulse that connects all living things, and they connect to it through song. Iredicci have excellent hearing, but their defining feature is their voice—they have an echo to their voice, a resonance of two pitches at once. The regis asked the Iredicci elders to use their unique gift to help him conquer Tinebaille, but as a peaceful people, they refused.

A simple, nomadic people, the Iredicci were traditionally welcome in all corners of the Saleste Empire. But as steam technology progressed and the push for new resources grew, a prejudice developed against them. The regis spread propaganda against the Iredicci, painting them as an inferior, uncivilized people who leeched off the empire rather than aided it. Over the years they stopped being welcome. Eventually, their travel was restricted, and the Iredicci were forced to live in settlement camps.

You are one of the Iredicci, born into such a camp. The elders sing songs of past travels and wonders you have never seen. Ever the optimists, the elders tell you to take heart. To be thankful you are among friends and family. That things can’t possibly get any worse.

Until they do.

Historians and politicians would call it The Proelium, a righteous battle against the traitorous Iredicci. What it really was, was the systematic genocide of your people. In one night, soldiers attacked every settlement camp across the empire. No one was spared—not the elders, not the children, not your mother.

It was mere whim that you snuck out of camp that evening, a mischievous escapade with a friend that ironically saved your life. You are taken in by your friend’s family and kept safe. But with survivors being hunted and killed, you must conceal your identity. So, you pretend to be deaf and mute.

Journey through the empire of Saleste and beyond. Grow from a child into an adult. Make friends, lovers, allies, and enemies. How will they react when your secret comes to light? Will you abandon your song in favor of machine? Join the rebel forces against the tyrant regis? Will you heal the wounds of the realm and restore balance? Or plunge it further into chaos?

FEATURES

Play as male, female or nonbinary—you’ll be able to choose your pronouns independent of your body type.

Customize your character’s appearance and personality.

Choose your attunement/proficiency with the cordis. This choice will heavily influence gameplay, affecting combat, weapon specialization, character interactions, and problem-solving situations. Choose wisely!

Create 2 character names: your birth name and an alias. The Iredicci have culturally unique names, so your birth name will be limited to a preset selection. But you will go by an alias of your own choosing for most of the story.

Develop your relationship with your adopted sister. Are you friends or rivals?

Romance! Or not. Romance 1 of 4 possible love interests, or choose the platonic route with the best of friends.

Save a wild animal from a hunter’s trap and gain a steadfast companion. Because fur baby.

THE MC

The game begins with you at age 7. When you are 12, your camp is slaughtered during The Proelium. With your voice and heightened hearing identifying you as Iredicci, you pretend to be deaf and mute in order to hide your heritage. The main game occurs 13 years after The Proelium, when you are 25.

ROMANCE OPTIONS

Calliope Cato (she/her)

The inventor/artificer, Calliope can build and fix any machine. She is 2 years younger than you, petite, with gold eyes, rich brown skin and black hair in multiple braids. Her hair and clothes are adorned in rings, belts, and pins which double as tools. She carries a man’s cane sword with her everywhere, which she wields in a fight along with a hand crossbow. She’s curious, optimistic, excitable, and easily distracted by her many projects, but much of that is to keep her mind occupied. In quiet moments when she thinks no one is looking, you glimpse a profound sadness on her features.

Corinne Xenakis (she/her)

The leader of the rebels, Corinne works to overthrow the monarchy and aid the surviving Iredicci where possible. She is 6 years older than you. She is tall, with long, sandy brown hair usually worn in a messy bun or loosely braided bun, hazel eyes, and beige skin tanned by the sun. Quiet, serious and aloof, she feels a tremendous responsibility for those under her command. Corinne is a contradiction—she has the grace and manners of a noblewoman, yet fights with military precision that is uncommon for females of noble lineage. She is deadly when double wielding her flintlocks or axes. While not cold, she is not overly familiar or friendly with anyone, and very tight-lipped about her past. What does she guard so fiercely behind her armor?

Vicente Aloi (he/they)

The bastard prince, Vicente is calculating, ruthless and driven. They are the same age as you, and they, too, lost their mother the night of The Proelium, though under different circumstances. But while you were adopted into a loving family, he is the unwanted son of the regis, trained to be a lethal tool. He has long, midnight blue-black hair, icy blue eyes, and high defined cheekbones. The edges of a tattoo are barely visible on his neck above the collar of his doublet… wings, perhaps? It’s beautiful. He’s beautiful, though you’d never tell him for fear he’d take his rapier to your neck simply for looking. Will your plans align with his, or are you merely another pawn in his schemes?

Bayram Durmaz (he/him)

The son of the Aydem, the matriarchal leader of Tinebaille. Bayram is 4 years older than you. He has golden-honey skin, light brown eyes, and dark brown, tightly-curled hair that he usually wears back in a ponytail or half ponytail. He is tall and broad, muscular but not toned, with a rounded edge to his stomach and chest. A sprawling, colorful tattoo, the mosaic artwork of his people, covers the entirety of his back. He is boisterous, bold, and a shameless flirt. With his young sister bearing the weight of succession, he’s been free to explore the islands to his heart’s content, and is familiar with every bay, inlet, and harbor. He is equally skilled at wielding a spear, sailing a ship, and charming hearts.

[levemetal]

Someone had to do it.

I hate myself. 150 notes and I’ll make a Mujiu version.

[dandelionsresilience]

Dandelion News - February 15-21

Like these weekly compilations? Tip me at $kaybarr1735 or check out my Dandelion Doodles!

1. Solar farms managed for nature boost bird abundance and diversity, new study finds

“There were more than twice as many farmland birds in the well-managed solar farms compared with the intensively farmed land, and nearly 16 times as many woodland birds. […] Overall, diversity was 2.5 times higher, while woodland birds were nine times more diverse.”

2. Washington judge blocks Trump’s gender-affirming care ban, says it's unconstitutional in multiple ways

“This marks the second time in a week that a judge has stood in the way of Trump’s attacks on trans kids. [… The ruling grants] a temporary restraining order that halts enforcement of provisions in Trump’s directive that would cut off federal funding to medical institutions that provide gender-affirming care to minors.”

3. Fog harvesting could provide water for arid cities

“17,000 sq m of mesh could produce enough water to meet the weekly water demand of [… the] urban slums. 110 sq m could meet the annual demand for the irrigation of the city's green spaces. Fog water could be used for soil-free (hydroponic) agriculture, with yields of 33 to 44lb (15 to 20kg) of green vegetables in a month.”

4. Audubon Applauds Bipartisan Federal Effort to Protect Delaware River Basin with Critical Reauthorization Bill

“The bill would […] ensure long-term conservation and restoration efforts, expand the official definition of the basin to include Maryland, and prioritize projects that serve small, rural, and disadvantaged communities. […] The watershed provides important year-round habitats and critical migratory stopovers for approximately 400 bird species[….]”

5. mRNA vaccines show promise in pancreatic cancer in early trial

“Half of the people in the study — eight of the participants — responded to the vaccine, producing T cells that targeted their tumors. […] Just two of the patients who had a response to the vaccine had their cancer return during the three-year follow- up, compared to seven of the eight who did not respond to the vaccine treatments.”

6. Minn. Lt. Gov. Flanagan Makes It Official; She's running for U.S. Senate

“[Flanagan has] “championed kitchen-table issues like raising the minimum wage, paid family and medical leave, and free school meals.” If elected, Flanagan, a tribal citizen of the White Earth Nation, would become the first Native American female U.S. senator in history.”

7. Federal Funding Restored for Low-Income Alabama Utility Assistance After Outcry

“A program meant to help low-income Alabamians pay their utility bills has resumed two weeks after it was canceled due to an executive order from President Donald Trump. […] “We can confirm the funds are reaching those affected by the previous pause[….]””

8. Modeling study suggests Amazon rainforest is more resilient than assumed

“[Previous] studies were either conducted with global climate models that used a simplified representation of convection [or were on a regional scale….] According to the computations, mean annual precipitation in the Amazon does not change significantly even after complete deforestation.“

9. States are moving forward with Buy Clean policies despite Trump reversal

““Buy Clean is a great example of how states and other nonfederal actors can continue to press forward on climate action, regardless of what the federal government does,” said Casey Katims, executive director of the U.S. Climate Alliance, a bipartisan coalition of two dozen governors.”

10. The rewilded golf courses teeming with life

“A wildflower meadow, ponds, scrub habitat, coastline and even an area of peat bog can be found on this little 60-acre (24-hectare) plot, which boasts roe deer, otters, lizards, eels and a huge array of insects and birds.”

February 8-14 news here | (all credit for images and written material can be found at the source linked; I don’t claim credit for anything but curating.)

[ribbononline]

Follow up to Shauna, future design for Serena :] She runs a boutique along with Calem- though she's most well known for her battling skills