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homeaffordabilitysolutions · 4 months

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No Deposit Loans Pros, Cons and the Truth

It’s hard for first home buyers to save for an upfront deposit, when paying rent, meeting bills and maybe starting a family.

This is frustrating, when you have a good rental record and know you could meet your mortgage repayments.

As the Reserve Bank of Australia found in 2022, first home buyers are no more likely than other types of owner-occupiers to report financial stress over the loan life or be in arrears or negative equity.

If you’re in this situation, you might be wondering about no deposit loans. Here are the pros and cons of these loans, and some alternatives.

Is buying a home with no deposit possible?

Buying a home with no deposit sounds like a great idea, doesn’t it?

You get onto the property ladder now, without the stress of finding that big lump sum.

Not many Australian lenders offer no deposit home loans, although there are options out there if you look hard enough.

Like any type of home loan, there are advantages and drawbacks to think about before you go ahead.

Pros of no deposit loans

Get a home without having to save for a deposit.

Get your own property sooner rather than later.

Set aside savings for other contingencies, like renovations or emergencies, when you don’t have to save for a deposit.

Invest in an area of the market that offers fast appreciation. Less of your own money is tied up in your home with a 100% lend.

Potentially get tax benefits on interest paid on 100% mortgage.

Cons of no deposit loans

Banks set very high interest rates on 100% loans, due to greater risk.

Pay costly LMI (Lender’s Mortgage Insurance), potentially adding tens of thousands to your loan.

Not many lenders offer 100% loans in Australia.

Increased risk of over-borrowing or negative equity.

More difficult to refinance or sell the property.

Hard to qualify, with banks requiring perfect credit report and high income.

Banks set hidden higher closing costs in return for no deposit.

There are also some alternatives to no deposit home loans to consider.

5% home loans in Australia

The First Home Guarantee is essentially a 5% home loan in Australia. This federal government program allows first-time buyers to purchase a property using a 5% deposit, without the need for LMI.

The government underwrites the loan and acts as a guarantor.

New places on the scheme are released at the start of each financial year. Places are limited though, and strict eligibility criteria applies.

There are also caps on how much applicants can spend on a property, depending on location.

While the scheme can provide first-time buyers with a low deposit way forward, a shared equity loan may be a more accessible option.

Shared equity home loans

With shared equity home loans, you can:

Deposit as little as 2.5%

Shared equity provides the remaining 17.5% to bring the deposit to 20%. With full ownership shared equity, where you are solely on the title, you can reduce the 2.5% further by adding in any government grants you may be eligible for.

Avoid LMI

Because the remaining 80% of the loan sits with the bank, you avoid costly LMI, saving between $10,000 and $40,000 on an average mortgage.

Get low fixed interest for five years

Pay 3.25% fixed interest on your loan’s shared equity portion for the first five years with HAS. The first three years of monthly payments on the shared equity facility are funded, which means you’re only making monthly mortgage payments on the 80% loan during this time.

What is the best option for you?

All these loan types can help you get onto the property ladder.

At HAS, naturally we think shared equity loans offer the best of both worlds! Buy property with a 2.5% micro deposit, without having to pay LMI. For the first three years, you only make monthly repayments on the 80% of the loan held by the bank.

However, it’s important to talk to your financial advisor about your individual circumstances before you decide on the best path forward. Consider your longer term goals, your current housing conditions, and your individual financial position before making a decision on the right loan for you.

And if you are interested in a shared equity home loan, contact us. We’d love to show you how these loans can be a game-changer for you and your family. By boosting your micro deposit, we can help you increase your serviceability and open up a world of home-buying opportunities.

Content Source: https://yourhas.com.au/no-deposit-loans-pros-cons-and-the-truth/

#low deposit loans #home loans #no deposit home loans #home affordability solutions #your has #first home buyer #shared equity

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beenetworkmedia · 2 years

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Bank of America Announces Small Business Down Payment Grant Program to Drive Women and Minority Business Growth

New Special Purpose Credit Program offers down payment grants for SBA 504 and 7(a) commercial real estate loans for women and minority business owners in Atlanta, Chicago, Charlotte, Dallas and Los Angeles SOURCE: Bank of America Corporation CHARLOTTE, N.C., Aug. 30, 2022 — Bank of America announced the launch of a Small Business Down Payment Grant Program to drive business growth and help…

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#Bank of America #Black / African American Neighborhoods #Community Affordable Loan Solution #Community Homeownership Commitment #Hispanic-Lation Neighborhoods

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shubhmortgage · 2 years

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Let's work together to make your dream of owning your own home come true. With over 1000 loan programs available, our Advisors are uniquely equipped to find the best and most affordable mortgage solution for your specific situation and circumstances.

#mortgage #advisor #home #loan #mortgage loan #solution #affordable #shubh #california #usa #canada

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bitchesgetriches · 2 years

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On leaving home for the first time:

Leaving Home before 18: A Practical Guide for Cast-Offs, Runaways, and Everybody in Between

Ask the Bitches: “I Just Turned 18 and My Parents Are Kicking Me Out. How Do I Brace Myself?”

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

How To Start at Rock Bottom: Welfare Programs and the Social Safety Net

Advice I Wish My Parents Gave Me When I Was 16

Ask the Bitches: How Can I Make Myself Financially Secure Before Age 30?

You Won’t Regret Your Frugal 20s

Master the Logistics and Etiquette of Moving Out

Season 2, Episode 5: “What Do I Need to Know about Moving into My First Apartment?”

On basic finance:

How the Hell Does One Open a Bank Account? Asking for a Friend.

How Do You Write and Cash Checks? Asking for a Friend.

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

You Must Be This Big to Be an Emergency Fund

A Hand-Holding Guide to Getting Your First Credit Card

How to File Your Taxes FOR FREE: Simple Instructions for the Stressed-Out Taxpayer

Dafuq Is Credit and How Do You Bend It to Your Will?

How to Save for Retirement When You Make Less Than $30,000 a Year

Dafuq Is Interest and How Does It Work for the Forces of Darkness?

What’s the Difference Between Savings and Checking Accounts, and How Should I Be Using Them?

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Dafuq Is Insurance and Why Do You Even Need It?

Investing Deathmatch: Investing in the Stock Market vs. Just… Not

Dafuq Is a Retirement Plan and Why Do You Need One?

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

On managing your household:

How the Hell Does One Laundry? Asking for a Friend.

How the Hell Does One Wash Dishes? Asking for a Friend.

Ask the Bitches: Why Are Painted Mason Jars the Internet’s Only Solution to My Tiny Apartment Woes?

9 Essential Tools for Apartment-Dwellers (and 6 That Are Kinda Useless)

Ask the Bitches: How Can I Survive in an Apartment with No Heat?

How to Save Money on Your Beloved Pets

Bullshit Reasons Not to Buy a House: Refuted

How To Maintain Your Car When You’re Barely Driving It

25 Tricks to Stay Cool WITHOUT Air Conditioning

On feeding and caring for yourself:

You Should Learn To Cook. Here’s Why.

How to Shop for Groceries like a Boss

If You Don’t Eat Leftovers I Don’t Even Want to Know You

I Think I Need to Go the Emergency Room?

Ask the Bitches: Ugh, How Do I Build the Habit of Taking Meds?

On maintaining relationships:

Season 1, Episode 8: “My Mother Demands Information About My One-Night Stands.”

Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?”

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again?

Ask the Bitches: My Dad Sucks with Money. How Do I Make Him Change?

You Need to Talk to Your Parents About Their Retirement Plan

Season 2, Episode 1: “I’m Financially Stable, but My Friends Aren’t. The Guilt Is Crushing!”

On starting your career:

22-Year-Olds Don’t Belong in Grad School

High School Students Have No Way of Knowing What Career to Choose. Why Do We Make Them Do It Anyway?

The Actually Helpful, Nuanced, Non-Bullshit Way to Choose a Future Career

Your College Major May Not Prepare You for Your Job—but It Can Prepare You for Life

The Ugly Truth About Unpaid Internships

Your School or Workplace Benefits Might Include Cool Free Stuff

#internship #first apartment #career advice

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epochofbelief · 4 months

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Strictly Confidential: A Feysand AU

Chapter One

She's a law student turned confidential informant. He's a prosecutor with only one goal: bringing down her boyfriend for illegal activity . . . What could go wrong?

Hi everyone! Here's chapter one. I hope you enjoy. Let me know if you're interested in being tagged. Any thoughts on the story are much appreciated, too!

Chapter One

Feyre collapsed against the wall as soon as class was over. Sweat dripped from her temples, sliding over the layer of concealer she had plastered on that morning. She wiped her forehead, swearing to herself once again that this would be the last time she allowed Tamlin to drag her to a Crossfit class.

Even though she had made and broken that same mental promise to herself three times a week for the past six months.

As she guzzled from her near empty water bottle, Tamlin slung a sweaty arm over her shoulders, his skin against hers slick. Oily. “Got any of that left?” Tamlin asked, already reaching for the water bottle.

Feyre sighed, handing it off to him. “A few drops.”

He knocked it back without another word. Not an appreciative smile. No thank you, Feyre. Not even a nod of gratitude for the water he had taken from her.

As she followed Tamlin out of the warehouse where the Crossfit classes were held, Feyre made another vow. The first of its kind, but perhaps with more resolve behind it than the one she had made only moments ago.

She was going to break up with him this week.

Feyre trailed Tamlin through the parking lot, eyes on the back of his neck, his blonde hair stuck to it with sweat. Her boyfriend of over a year had fallen into conversation with his best friend, Lucien. Lucien was also a regular at these Crossfit classes, but had met Tamlin through work. Tamlin had hired Lucien as his Director of Operations at his company, Spring Solutions. Five years later, the duo were best friends.

Lucien climbed into the passenger seat of Tamlin’s expensive truck, leaving Feyre to haul herself into the back as usual. Tamlin swung into the driver’s seat and made short of work of getting the vehicle out of the parking lot and onto the highway that would carry them back into the city, back to the building where Tamlin and Feyre shared an apartment and Lucien lived a few floors down.

As the two discussed something about work—a topic Feyre didn’t particularly care about—she thought more about the terrifying new task she had set for herself.

Breaking up with Tamlin wouldn’t be simple.

Because it was her life, of course, and things were never simple.

She had shared an apartment with Tam, who was nearly seven years her senior, since the beginning of her second year of law school. Now, a month into her third and final year, their lives were fully intertwined. Feyre paid a few hundred dollars of rent each month, but Tamlin footed most of the bill. The downtown apartment was expensive, something Feyre could never afford on her own thanks to her law student’s budget.

She rarely paid for meals, either. Tamlin subscribed to one of those ultra-healthy meal services. A week’s worth of dinners delivered to their door every Monday morning. Feyre cooked them on study breaks, and the two would usually share a quick meal before Tamlin logged back on to work in his home office and Feyre returned to her books.

Most of the furniture was his, as was the art on the walls. The kitchen utensils, pots, pans. The bed they shared. Everything.

If Feyre moved out, she would have to return to her father’s house or increase the amount of student loans she had already taken out that semester. Neither option sounded appealing. She had lived with her father and her two older sisters her whole life—all throughout her undergraduate studies and until the end of her first year of law school. How she had made it so long trapped in that house, caring for her family in much the same way she cared for Tamlin, Feyre had no idea. So when Tamlin had proposed the idea of moving in together, she jumped at the chance. Didn't think farther than Get me out of my childhood home.

She hadn't considered what would happen if things didn’t work out. If she decided he wasn’t the one for her anymore.

She had gone straight from her father’s house to Tamlin’s apartment, and had fallen into Tamlin’s lifestyle, even if she still wasn’t quite used to it.

At least the bed in the guest room was hers, and the nightstand and the few books she had taken from her father’s house. Her painting supplies.

“Babe?” Tamlin’s voice scattered the plans she was fruitlessly trying to cobble together in her mind.

“What?” She inquired, blinking up at her boyfriend.

“I asked if you wanted to get dinner out tonight.”

Feyre bit her lip. She had already put off studying to come to Crossfit—if she didn’t get home soon, she would have to burn the midnight oil to get all her reading for class done at a decent hour.

“I really have to study,” she said quietly, praying he wouldn’t try to convince her to come to dinner. Because he would never let up and she, inevitably, would give in.

At Tamlin’s sigh, she tentatively tried again. “I’m really sorry! I wish my professors didn’t assign such long readings, but I can’t change it.”

He didn’t say anything.

“You know I would come to dinner if I could. I would much rather do that.” The words weren’t new—she’d used some variation of them numerous times over the past year and a half. They had almost lost all meaning to her, but she’d found this was the best combination to keep Tamlin happy: apologize, provide an excuse that was outside of her control, and assure him that he would always be her first choice.

“Alright. We’ll drop you at home and come back later.”

Feyre choked back her sigh of relief. “Sounds good. Thanks, babe.”

Lucien’s eyes met hers in the rearview mirror—one ginger eyebrow cocking slightly. Feyre looked away, gaze fixing on her lap.

Twenty minutes later, she waved at the car as it sped down the street toward Tamlin and Lucien’s favorite sports bar. With any luck, Lucien would get him drinking beers and talking about work, and she would have at least three hours to herself to shower. Study. Maybe even time enough to feign sleep by the time Tamlin returned.

And indeed, she managed to accomplish everything she needed to do just before Tamlin came stumbling into the apartment hours later. Feyre shut her eyes tight from her spot on the right side of the bed, her fledgling plans swirling through her thoughts until she well and truly drifted away.

-----

The next morning, Feyre gazed at herself in the mirror, turning this way and that to make sure every inch of her suit was clean and pressed to perfection, not a wrinkle in sight. The black jacket clung to her narrow frame, the pencil skirt she wore beneath it as flattering as a skirt that cut her off just below the knee could be. Her golden-brown hair fell in loose waves just past her shoulders, watery blue eyes popping thanks to the brown mascara she had applied.

“You look amazing,” a voice from behind her said.

Feyre turned, smiling at her boyfriend despite all the promises and plans she had made the night before. “Thanks, honey.”

“What’s the occasion?” Tamlin asked, striding forward and placing his hands on her hips.

Feyre stepped back, grinning up at him. “No touching. I have an important networking event with my firm today and I can’t get all wrinkly.”

Tamlin held up his hands, backing away a step. “My apologies, Ms. Archeron.”

Feyre smiled. Tamlin wasn’t always awful.

Just most of the time.

“So when can I expect you home today?”

Feyre sighed, grabbing her backpack and purse and brushing past Tamlin, striding out of the closet and into the master bathroom. “I’ve got a full day of classes, and then this networking event at six. I’m not sure how long it will go, but I’m really hoping to be back by eight.”

“Just as well,” Tamlin said. “I’ve got a late night at work—probably won’t be home until after ten.” Feyre nodded, and Tamlin followed her out of the bathroom, through the bedroom, and down the hall to the kitchen. Feyre grabbed the smoothie she had made earlier that morning and tucked her lunchbox into her backpack.

“Have a good day, honey,” she said, pressing a kiss to Tamlin’s lips. He nipped at her lower lip, green eyes sparking. But Feyre just smiled, retreated, and didn’t breathe deep until she made it to the hallway, door automatically locking behind her.

This week. She was going to do it this week.

Feyre’s day dragged on in one long, miserable slog. She got cold-called by her professors in two of her classes, but she managed to answer most of the questions correctly, her heart thudding violently in her chest all the while.

Cold calls and the Socratic method of teaching were one of her least favorite parts of law school. Most professors gave no warning to their students before they called their names, subjecting them to several questions of the professor’s choosing. If you didn’t know the answer, they might move on. But some waited for you to at least attempt to respond, while the class stared and stared and hands jumped into the air all around, telling you that they knew the answer, that it was obvious. Answering a question correctly felt wonderful—but answering incorrectly usually caused Feyre’s cheeks to burn a bright red.

It didn’t matter how many of the randomly determined “calls” Feyre endured—every time a professor spoke her name, her hands started sweating, her heart rate climbing up and up and up until the professor moved on to another victim.

She spent a few hours at the library after class, tucked in her favorite corner. It was private, but better than sitting in the main quad where most of the law students gathered to study during daytime hours. Feyre hadn’t spent any notable length of time in the quad since the first semester of her 1L year. As her relationship with Tamlin progressed, the few friends she had made faded away as Feyre opted to attend the fancy dinner parties and events Tamlin invited her to. Maintaining a new relationship and keeping up with her studies didn’t leave much time for anything else—not even friends. That wasn’t to mention the time she had spent at home with her sisters and father her entire first year of school, taking care of most of the housekeeping and cooking duties because the rest of her family had “real jobs” and Feyre was still “just a student” who didn’t work a regular 9-5.

Now, she felt like a ghost in the halls of the school. She would wave to her old friends if they passed in the hallways, but Feyre had long ago accepted that this would be her law school experience: sitting in the back of the classroom, answering questions if forced, and generally keeping to herself.

It was a quiet, small existence she led. Class. Tamlin. Attending whatever events or obligations Tamlin dragged her to. Studying.

After she’d had enough studying for the day, Feyre took the train to downtown Prythian, checking her makeup at least four times before the train arrived at its stop a few blocks from a large hotel and event center in the heart of the city. She started to walk the five minutes to the hotel, staring up at the enormous shiny buildings rising around her.

To think, this would be where she worked full-time in just a few short months.

Thanks to competitive firm recruiting, Feyre had had her post-grad job lined up since the summer. She would be starting as a junior associate at Hybern & Night LLP, one of the largest and most powerful national firms in the country. Jobs at Hybern & Night were hard to come by, but thanks to Feyre’s top 5% ranking at Prythian University Law School, and her ability to say all the right things under pressure, she’d scored a job during early interviewing last summer.

The firm occupied the upper floors of one of the tallest buildings downtown. Tonight it was holding a networking event for its partners, associates, recruits, and other lawyers in the community.

She could have skipped the event, but her career counselor had emphasized how important it was to immerse herself in firm activities as quickly as possible—it would make her transition from student to junior associate much smoother, and allow her to make connections with more senior attorneys and partners who might be willing to provide projects for her to work on when she started.

So, she was here, clicking down the shadowed streets of downtown Prythian, gearing herself up to rub elbows with some of the city's wealthiest attorneys.

Some day soon, she would be one of them.

Feyre tugged her coat closer around herself, the chill in the air signaling autumn’s impending arrival. A block away, the windows of the event center glowed warmly in the shadows of the buildings around her. She increased her pace, and soon found herself ensconced in a world of cocktails and arguments. Feyre made a beeline for the refreshments table. She could certainly count on attorneys to ensure there was an open bar at events like this. She seized a glass of red wine and cast her gaze around the room, but didn’t recognize anyone. She had interviewed with at least five of the attorneys from Hybern & Night in order to get her job, but they were nowhere to be seen.

Feyre thanked the man who served her the wine, swallowing back memories of her own time spent as a bartender at Humane, one of the filthiest hole-in-the-wall bars in all of Prythian. She would have preferred talking to the bartender—less posturing required—but forced herself to skirt around the room, looking around for someone to engage in conversation.

She had almost completed a full lap when an enormous man leaned against the wall just in front of her.

“You look lost,” his deep voice rumbled, light brown hair sliding over his forehead, pale green eyes gazing down at her. His cheeks were flushed—probably from the alcohol—and as his eyes slid over her, Feyre was glad she hadn’t yet removed her coat.

“Not lost. Just—” Feyre broke off, shaking her head. “Feyre Archeron,” she said, offering a hand. “I’ll be starting as a first-year associate at Hybern & Night next August.”

“Jax Smith,” he said, an enormous hand encompassing hers. “I'm in my eighth year at Hybern & Night. Hoping to make partner next year. It’s nice to meet you, Feyre.”

Feyre swallowed, taking her hand back and sliding it into her pocket. “You too.” She cast around for one of her pre-prepared questions: So how do you like working at the firm? Any advice for 3L students preparing to enter the workforce? How do you survive the eighty hour workweeks year after year after year? Is the money worth it?

Luckily, Feyre didn’t have to resort to any of her questions, because Jax spoke for her.

“You look awfully young to be a 3L,” he commented, gaze sliding up and down her body.

Feyre cocked an eyebrow, a chill trailing down her spine. “I’m twenty-three.”

“That’s young.”

Feyre gritted her teeth. This was certainly unprofessional. “Not too young, I hope,” she said, forcing a smile. This man was going to be her coworker. She couldn’t just turn around and flee. “I’ll be twenty-four this December,” she said brightly. “Practically collecting Social Security.”

Jax didn’t smile. Only narrowed his eyes like he was trying to see through her coat.

Feyre swallowed another gulp of wine, and as he inched closer, she realized that the alcove where they stood was mostly obscured by two of the many enormous columns ringing the event center. There weren’t any lights in this section, and no one else seemed to be paying them any attention. The rest of the networking attorneys seemed miles away, even the sounds of their voices muffled by a dull roaring that started in Feyre’s head as Jax’s gaze fixed her in place.

“And are you married, Feyre?” Jax asked, one arm resting on the wall next to her head. His gaze dropped to her left hand, wrapped around the stem of her wineglass, her fourth finger obviously bereft of any ring.

“No,” she said, backing away another step.

But her admission only seemed to encourage Jax. He slid forward, eyes focused somewhere just south of her neck, where her coat had fallen open to reveal the v-neck of her dress shirt. “I would be happy to meet you for a coffee sometime. Maybe even a drink. Tell you more about the firm, away from all these stuffy partners. We could even find somewhere quieter here. To talk.” His eyes slid to the hall that led who-knew-where, just behind Feyre, stretching off into the shadows of the hotel.

Feyre’s eyes widened, a lump forming in her throat. This man was her future coworker, her senior. He might even be partner by the time she started at the firm. To turn him down could be fatal. If he took offense, he could spin it any number of ways: She had no interest in learning more about the firm. Couldn’t care less about team-building and getting to know her coworkers. Clearly came for the wine and nothing else.

He could ruin her reputation. And that was something she couldn’t afford. Not if she ever wanted to be free of Tamlin, of her family.

“What do you say?” Jax asked, bending down, his face so close to hers she could feel his breath hot against her cheek.

“I—” Feyre started.

But another man’s voice, smooth as velvet and gentle as the night, floated into the alcove, startling Jax and sending a wave of relief over Feyre.

“There you are. I’ve been looking for you.”

#acotar #feysand #a court of thorns and roses #acomaf #sarah j maas #fanfiction #feyre archeron #rhysand #feyre x rhysand #modern au #feysand modern au #strictlyconfidentialau

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what-even-is-thiss · 2 years

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I think we should acknowledge that a lot of student debt comes from housing costs. To me that always seems like the elephant in the room that nobody ever talks about when discussing college.

Yeah maybe that college is finding a way to cover your tuition. How are you affording to stay in the dorms? Yeah you got a free ride to Harvard. How are you gonna afford to live in Cambridge though? The answer is either you also have a full time job or take out loans. Super rich people just straight up buy apartments for their little darlings.

That’s actually part of the attraction of living in a fraternity or sorority. If there’s 50 people to a house the rent is gonna be cheaper.

But anyways, the student loan crisis doesn’t start and end with free tuition. Higher wages, ubi, and affordable housing are also part of the solution.

#roman said a thing

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env0writes · 2 months

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NaPoWriMo Vol. 3, 4.5.24 “That Ain't Playing Phaoroh at the American Dream“

What’s a dollar Dollar bill Y’all? Lying? Trying? Dying? For this green? Grass and trees and leaves fall all the same Why play pretend with markets in the clouds What is a dollar, a buck, a doe? Although without I’m dying, trying, lying Asking why I’m not enough Dollar bill, y’all Survive on these slip Slip, slip, slippery slope Pink slip car loan Pink slip house loan –Reminder I’m a man– Can’t afford my home, my car, my life What’s a dollar An hour? How many? I’m spending my day working for so little When the bed I sleep in, in the house I weep in Will never be bought with that labor Who enjoys the fruits of these planted labors? What juice spills from distant lips?

What’s a dollar? Dollar bill Y’all aren’t all vying for more? Trying for more Dying for more? Why must we play pretend–passing ice-coins Wintered the weather about to maintain this illusion This song and dance Won at the tip of a lance Am I to die on the streets where I sleep After a hard days work Gunned down by a passerby whose offense is taken At my presence In my work, when offense is taken At my presence What sense does it make to not be seen Santa’s little helpers Slaving away So some other might gloat and tote Can I sleep on it? Wipe my weeping tears on it? Who will take what I have Leaving what little for tomorrow And tomorrow’s tomorrow Before I again have to borrow So that this cycle of green Of greed Of grasses–greener Perennially blooms; forebodes doom

Where is safe from this dollar? Dollar bill Y’all The grass is always greener The management always meaner The bankers always keener I am saving, graving, paving the way But not to walk upon but on I am the stone–ascended Who can afford to be single? Who can afford just one? In a market that’s rising–water levels Left to drown I can swim–only so long Tread water, dread water, fed water And drown Green stays afloat It is soluble, solution, able and capable Why must I live to work and not Live and work Where did the and’s go? Where did the green go? Barren and wearing no colors of life The suburbs and cities and folks are all white Washed and packaged for resale again No space is owned save the barony lords

What is a dollar? Dollar bill Y’all Learn all day To work all day ‘Til your dying day What is there to say? “He was a busy and dedicated man to his work” Will his work remember him Remembered for his work Who will grieve the cog replaced The seed replanted The crack that’s mended When the old days are waning The sunset soon fading I will keep working for that return of the green The average mean The stacks slapped in my hand To feed and afford what I can Because what use is a dollar That can never call her Back Buy my time Back Take it all Back What use is a dollar? That can’t buy back my time wasted in youth In adulthood so ruth-lessly sought

What is a dollar? Dollar bill Y’all Aren’t struggle to own any bit of your life Your car is on loan and your house and your wife At the slightest inconvenience The drop of margins Swoops the executive C On to elevate thee Claiming your purchases are just temporary They’ve licensed your time Your work and Your sight All that you own And all that you might Work for that dollar Plug and play on their game I’ll keep dreaming, Filling reem in -of paper And dream of my paper My dollar Dollar bill Y’all

@env0writes C.Buck Ko-Fi & Venmo: @Zenv0 Support Your Local Artists! Photo by my friend Mika

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heathers-letters · 10 days

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May 19, 2024

"Biden pledged to “call out the poison of white supremacy” and noted that he “stood up…with George Floyd’s family to help create a country where you don’t need to have that talk with your son or grandson as they get pulled over.” The administration is investing in Black communities and reconnecting neighborhoods cut apart by highways decades ago. It has reduced Black child poverty to the lowest rate in history. It is removing lead pipes across the nation to provide clean drinking water to everyone, and investing in high-speed internet to bring all households into the modern era.

The administration is creating opportunities, Biden said, bringing “good-paying jobs…; capital to start small businesses and loans to buy homes; health insurance, [prescription] drugs, housing that’s more affordable and accessible.” Biden reminded the audience that he had joined workers on a picket line. To applause, he noted that when the Supreme Court blocked his attempt to relieve student debt, he found two other ways to do it. He noted the administration’s historic investment in historically black colleges and universities."

"“In a democracy, we debate and dissent about America’s role in the world,” Biden said. “I want to say this very clearly. I support peaceful, nonviolent protest. Your voices should be heard, and I promise you I hear them.”

“What’s happening in Gaza…is heartbreaking,” he said, with “[i]nnocent Palestinians caught in the middle” of a fight between Hamas and Israel. He reminded them that he has called “for an immediate ceasefire…to stop the fighting [and] bring the hostages home.” His administration has been working for a deal, as well as to get more aid into Gaza and to rebuild it. Crucially, he added, there is more at stake than “just one ceasefire.” He wants “to build a lasting, durable peace. Because the question is…: What after? What after Hamas? What happens then? What happens in Gaza? What rights do the Palestinian people have?” To applause, he said, “I’m working to make sure we finally get a two-state solution—the only solution—for two people to live in peace, security, and dignity.”"

Highlights from Heather Cox Richardson's Letters from an American. Full newsletter under the cut.

Delivering the commencement address to the graduating seniors at Morehouse College today, President Joe Biden addressed the nation. After thanking the mothers, fathers, grandmothers, grandfathers, and all the people who helped the graduates get to the chairs in front of the stage, Biden recalled Morehouse’s history. The school was founded in 1867 by civil rights leader Reverend William Jefferson White with the help of two other Baptist ministers, the Reverend Richard C. Coulter and the Reverend Edmund Turney, to educate formerly enslaved men. They believed “education would be the great equalizer from slavery to freedom,” Biden said, and they created an institution that would make the term “Morehouse man” continue to stand as a symbol of excellence 157 years later.

Then Biden turned to a speech that centered on faith. Churches talk a lot about Jesus being buried on Friday and rising from the dead on Sunday, he said, “but we don’t talk enough about Saturday, when… his disciples felt all hope was lost. In our lives and the lives of the nation, we have those Saturdays—to bear witness the day before glory, seeing people’s pain and not looking away. But what work is done on Saturday to move pain to purpose? How can faith get a man, get a nation through what was to come?”

It’s a truism that anything that happens before we are born is equidistant from our personal experience, mixing the recent past and the ancient past together in a similar vaguely imagined “before” time. Most of today’s college graduates were not born until about 2002 and likely did not pay a great deal of attention to politics until about five years ago. Biden took the opportunity to explain to them what it meant to live through the 1960s.

He noted that he was the first in his family to graduate from college, paid for with loans. He fell in love, got a law degree, got married and took a job at a “fancy law firm.”

But his world changed when an assassin murdered the Reverend Dr. Martin Luther King—a Morehouse man—and the segregated city of Wilmington, Delaware, erupted with fires, looting, fights, and occasional gunfire. For nine months, the National Guard patrolled the city in combat gear, “the longest stretch in any American city since the Civil War,” Biden recalled.

“Dr. King’s legacy had a profound impact on me and my generation, whether you’re Black or white,” Biden explained. He left the law firm to become first a public defender and then a county councilman, “working to change our state’s politics to embrace the cause of civil rights.”

The Democratic Party had historically championed white supremacy, but that alignment was in the process of changing as Democrats had swung behind civil rights and the 1965 Voting Rights Act. Biden and his cohort hoped to turn the Delaware Democratic Party toward the new focus on civil rights, he said. In 1972, Biden ran for the Senate and won…barely, in a state Republican president Richard Nixon won with 60% of the vote.

Biden recalled how, newly elected and hiring staff in Washington, D.C., he got the call telling him that his wife and daughter had been killed in a car accident and that his two sons were gravely injured. The pain of that day hit again 43 years later, he said, when his son Beau died of cancer after living for a year next to a burn pit in Iraq. And he talked of meeting First Lady Jill Biden, “who healed the family in all the broken places. Our family became my redemption,” he said.

His focus on family and community offered a strong contrast to the Republican emphasis on individualism. “On this walk of life...you come to understand that we don’t know where or what fate will bring you or when,” Biden said. “But we also know we don’t walk alone. When you’ve been a beneficiary of the compassion of your family, your friends, even strangers, you know how much the compassion matters,” he said. “I’ve learned there is no easy optimism, but by faith—by faith, we can find redemption.”

For the graduates, Biden noted, four years ago “felt like one of those Saturdays. The pandemic robbed you of so much. Some of you lost loved ones—mothers, fathers, brothers, sisters, who…aren’t able to be here to celebrate with you today…. You missed your high school graduation. You started college just as George Floyd was murdered and there was a reckoning on race.

“It’s natural to wonder if democracy you hear about actually works for you.

“What is democracy if Black men are being killed in the street?

“What is democracy if a trail of broken promises still leave[s]…Black communities behind?

“What is democracy if you have to be 10 times better than anyone else to get a fair shot?

“And most of all, what does it mean, as we’ve heard before, to be a Black man who loves his country even if it doesn’t love him back in equal measure?”

The crowd applauded.

Biden explained that across the Oval Office from his seat behind the Resolute Desk are busts of Dr. King and Senator Robert Kennedy, challenging Biden: “Are we living up to what we say we are as a nation, to end racism and poverty, to deliver jobs and justice, to restore our leadership in the world?” He wears a rosary on his wrist made of Beau’s rosary as a reminder that faith asks us “to hold on to hope, to move heaven and earth to make better days.”

“[T]hat’s my commitment to you,” he said. “[T]o show you democracy, democracy, democracy is still the way.”

Biden pledged to “call out the poison of white supremacy” and noted that he “stood up…with George Floyd’s family to help create a country where you don’t need to have that talk with your son or grandson as they get pulled over.” The administration is investing in Black communities and reconnecting neighborhoods cut apart by highways decades ago. It has reduced Black child poverty to the lowest rate in history. It is removing lead pipes across the nation to provide clean drinking water to everyone, and investing in high-speed internet to bring all households into the modern era.

“We’re opening doors so you can walk into a life of generational wealth, to be providers and leaders for your families and communities. Today, record numbers of Black Americans have jobs, health insurance, and more [wealth] than ever.”

Then Biden directly addressed the student protests over the Israeli government’s strikes on Gaza. At Morehouse today, one graduate stood with his back to Biden and his fist raised during the president’s speech, and the class valedictorian, DeAngelo Jeremiah Fletcher, who spoke before the president, wore a picture of a Palestinian flag on his mortarboard and called for an immediate and permanent ceasefire in Gaza, at which Biden applauded.

“In a democracy, we debate and dissent about America’s role in the world,” Biden said. “I want to say this very clearly. I support peaceful, nonviolent protest. Your voices should be heard, and I promise you I hear them.”

“This is one of the hardest, most complicated problems in the world,” he said. “I know it angered and frustrates many of you, including my family. But most of all, I know it breaks your heart. It breaks mine as well. Leadership is about fighting through the most intractable problems. It’s about challenging anger, frustration, and heartbreak to find a solution. It’s about doing what you believe is right, even when it’s hard and lonely. You’re all future leaders, every one of you graduating today…. You’ll face complicated, tough moments. In these moments, you’ll listen to others, but you’ll have to decide, guided by knowledge, conviction, principle, and your own moral compass.”

Turning back to the United States, Biden urged the graduates to examine “what happens to you and your family when old ghosts in new garments seize power, extremists come for the freedoms you thought belonged to you and everyone.” He noted attacks on equality in America, and that extremist forces were peddling “a fiction, a caricature [of] what being a man is about—tough talk, abusing power, bigotry. Their idea of being a man is toxic.”

“But that’s not you,” he continued. “It’s not us. You all know and demonstrate what it really means to be a man. Being a man is about the strength of respect and dignity. It’s about showing up because it’s too late if you have to ask. It’s about giving hate no safe harbor and leaving no one behind and defending freedoms. It’s about standing up to the abuse of power, whether physical, economic, or psychological.” To applause, he added: “It’s about knowing faith without works is dead.”

“The strength and wisdom of faith endures,” Biden said. “And I hope—my hope for you is—my challenge to you is that you still keep the faith so long as you can.”

“Together, we’re capable of building a democracy worthy of our dreams…a bigger, brighter future that proves the American Dream is big enough for everyone to succeed.”

“Class of 2024, four years ago, it felt probably like Saturday,” Biden concluded. “Four years later, you made it to Sunday, to commencement, to the beginning. And with faith and determination, you can push the sun above the horizon once more….”

“God bless you all,” he said. “We’re expecting a lot from you.”

—

Notes and Citations available by subscribing to Letters from an American: https://heathercoxrichardson.substack.com/

#us politics #activism #donald trump #joe biden #democracy #republicans #vote #israel #palestine #protest #poc

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cloama · 12 days

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I missed something about the housing crisis.

Credit scores serve as indicators for rent hikes now. They no longer only indicate if you can handle the housing costs now. They’re meant to see if you can afford the rent increases they want to beat you with after 12 months.

That is why I am getting rejected left and right. I can always tread water but they’re looking for a golden goose. Someone who is just going to fork it over.

If I was moving into a 1br with a partner they would approve us bc they know together we’re not going to want to move and will eat that 200 dollar increase in twelve months.

But a singlular school teacher who has other bills to pay. They know I’m going to pack my shit and go. They know they can’t take money that’s meant to pay off my loan out of my mouth and give it to themselves so they won’t even bother. Interesting.

Fixed income and working people are homeless because they know they can’t squeeze any more blood from that stone. Wages stagnate so they can’t take from us so their solution is to literally squeeze out an entire demographic of people leaving them homeless. We should have spent the 80s and 90s building more public housing but no. Austerity for one decade and crime bills the next.

#again if you see me showering at the planet fitness KEEP MOVING.#apartment hunt 2024

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lackablazeical · 5 months

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🩵🌙Usagi Miyamoto🌙🩵

Specific trigger warnings -

Abusive/toxic relationship, codependency, self harm, depression, suicidal thoughts/ideation, child abuse, disassociation, paranoia/delusional thoughts, major character death

Specific boundaries w/ this character -

Do not victim blame Usagi. (I.e, "I bet Usagi likes the attention", "why doesn't he just tell people", etc)

Do not ship Usagi with anyone.

General info -

Usagi's birthday is March 4th. He is a Pisces ♓️

Usagi's love language is Acts of Service.

Usagi is demisexual with exclusive attraction to non-women.

Usagi has PTSD (Post Traumatic Stress Disorder).

Usagi has MDD (Major Depressive Disorder).

Usagi has Agoraphobia.

Personality traits -

Usagi is quiet, withdrawn, shy, self-sacrificing, depressed, logical, responsible, pessimistic, and routine oriented.

Usagi is very quiet and withdrawn. Many of his co-workers assumed he was mute because of this. He never attends social gatherings and prefers to stay home.

Usagi is self-sacrificing, and will do anything for those he loves, even if it means sacrificing his own life or happiness.

Usagi has depression, and often feels completely empty or numb. He is not very 'active' in terms of his depression, and would rather just stay in dull routine.

Usagi is logical, able to critically think about problems and find solutions on the fly.

Usagi is incredibly responsible, wanting to fawn everyone around him and fix their problems and mistakes.

Usagi is pessimistic, never expecting the best. This can make him a bit of a pain to be around sometimes.

Important details -

His beliefs -

Usagi's element is water.

He feels connected to any type of water, but specifically rain, ponds, lakes, oceans, and puddles.

Usagi does not flavor his drinking water because of this. He also does not drink out of straws.

Usagi loves sitting in rain, and he loves being able to relax by bodies of water.

Usagi will prefer baths to showers, so he can soak in water.

Usagi prays over the first water he drinks of the day. He manages to stay well hydrated.

His dynamic with Leo -

Usagi is a victim of Leo's abuse.

Usagi hates Leo, but has been manipulated into being dependent on him. Usagi feels like he is nothing without Leo.

Usagi was originally extremely against ever being around Leo, but as time progressed, started feeling the opposite way. Usagi often doesn't know what to do with himself when Leo is not around.

Usagi often screams at, kicks, and punches Leo, often in an attempt to get him to stop what he is doing and leave Usagi alone.

Usagi needs Leo's permission for everything he does, and is terrified of somehow making Leo mad.

Usagi would never leave Leo, as he knows that would never work, and likely risk the safety of his family.

Usagi barters affection or makes up 'games' in order to get Leo to do what he wants. It's often in a desperate attempt to get Leo to actually listen to him. This only works about half the time.

When around Usagi's family, Usagi will put on a mask and fake interest (and even enjoyment) of Leo's actions as to not concern his family and risk them finding out about Leo's abuse.

Usagi will often just listen to what Leo tells him to do, as the fight is often worse. Sometimes, though, he may press back, and he gets swiftly reminded of why that is a bad idea.

His life in the Hidden City -

Usagi often worked many odd jobs at once, sometimes working up to 70-80 hour weeks. He would lie about his age to be hired, and often worked below or just barely at minimum wage.

Usagi ran into debt multiple times, because he wasn't aware of how loan sharks (or American currency) functioned. He was often tracked down because of this, but always managed to weasel out of it or evade then.

Usagi had no friends, and was known as very anti-social to anyone that even knew of his existence.

Usagi had lived in one cheap, dingy apartment the whole five years he lived there. He couldn't afford to move.

Fun facts -

Usagi's favorite food is any type of produce with salt, and his favorite drink is plain water.

Usagi self-harms, and started soon after he met Leo.

Usagi prefers having long sleeves he can roll up, to having short sleeves.

Usagi hates being pinned on his stomach.

Usagi likes music, only if it's played on a record player.

Usagi is a ritual cleaner, and deep cleans everything he owns fairly often.

Usagi is a good cook, and enjoys it thoroughly.

Usagi hates all sweet foods, but mooncakes.

Usagi hates being touched.

Voice claim [Steven Yeun] -

Tags including Usagi -

#addams! Usagi, #addams! Leosagi, #addams! Miyamotos

#addams! tmnt au #addams! usagi #addams! leosagi #addams! Miyamotos

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homeaffordabilitysolutions · 6 months

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Buying a House as a Single Mother

Buying a house as a single mother has always been tough. In today’s challenging market, however, it’s a mountain to climb.

The housing affordability crisis is a major hurdle, along with potential discrimination from banks and real estate agents. Add in the gender pay gap, and it’s a big ask. According to ABS statistics, Australia’s national gender pay gap is 13%, as of May 2023.

But while times are hard, there are ways that single mothers can unlock the home ownership dream.

The meaning of owning a house for single mothers

While everyone dreams of a stable future, it’s perhaps especially important for single mothers to own their own home, with the security that provides to them and their dependents.

By necessity, single mums raising children alone place a high priority on the financial safety of their family.

Home ownership offers stability, a chance to build equity for the long term, dignity, and a sense of peace that they are taking care of their family. It’s also a joy – giving families the ability to make a home to suit them!

The impact of knowledge on the buying journey

If you’re a single mum, the more knowledge and financial awareness you have before you dive into the market, the better.

When you educate yourself about your financial options, you are in a far stronger position to make a sound investment.

The federal government’s moneysmart resource is a great place to start. It explains things like loan-to-value ratio and lenders mortgage insurance, runs through some loan options, and offers tips on how to budget and save the deposit.

It’s also important to work with trusted and transparent mortgage brokers, who have your best interests at heart. You need a broker who understands the unique challenges you face as a single mother.

Finding home loans for single mothers

Suitable home loans for single mothers can be hard to find. The Family Home Guarantee has limited places, while low deposit loans can attract higher interest rates and lenders mortgage insurance.

That’s why HAS focuses on helping hard-working single mums enter the property market and get into their own homes sooner. Our home affordability solutions mean you can purchase a property using shared equity, and an exceptionally low deposit.

We understand the importance of home loans for single mothers, and the discrimination that you can face. With our loans, you don’t have to have genuine savings or be means tested.

So how much deposit does a single mum need to buy a house?

If you are a single mother needing to buy a house, you can forget the long wait to save up that hefty 20% deposit.

With HAS, you only need a 2.5% home loan deposit and a sponsor investing alongside you. We provide the 17.5% remainder, which brings your total deposit up to the standard 20%.

The bank will put up the 80% portion of the loan, meaning you avoid expensive lender’s mortgage insurance.

How to get a home loan with a low deposit?

If you want to get a home loan with a low deposit, shared equity is a great option, with multiple benefits over a traditional home loan.

HAS shared equity allows you to enjoy reduced monthly repayments over the first five years of your loan. If you are eligible for the First Home Buyers grant and stamp duty concessions, they can form part of your 2.5% deposit.

You pay a low 3.25% fixed interest on the shared equity portion of your loan, for five years. Sponsorship can boost the shared equity percentage to 37.5%, helping you service the loan.

It works for everyone. You get the benefit of an exceptionally low deposit, while the sponsor gets a return on their investment.

Anyone can be a sponsor – your parents, friends, an employer, or a property group. You can even sponsor yourself. If your parents sponsor you, they enjoy the advantages too, with a return on their investment that doesn’t involve signing up for a risky parental guarantee home loan. They can also help multiple children in this way.

To all single mums buying a house!

If you’re a single mum buying a house, you know just how difficult it can be to clinch the deal.

HAS shared equity is a smart solution that can assist you in entering the property market, helping you secure your family’s future.

Check out our eligibility page, to see if you fit the criteria for a shared equity home loan. Why not get in touch? We’d love to chat about your home loan options.

Content Source: https://yourhas.com.au/buying-a-house-as-a-single-mother/

#single mom home loan #low deposit home loans #sydney #australia #home affordability solutions #has #melbourne #first time home buyer

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360degreesasthecrowflies · 7 months

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"But just"/"Why don't you just?" is not always the magic solve you think it is, boomers

Feeling a little disheartened today by the way that my mum point-blank refuses to acknowledge structural barriers. And I do think it is at least partially a generational thing.

The thing about the deck being stacked against you that has the most impact, and that certain folk of a certain age seem unable to put together is that...

You reach a point in your life, or in your career, or in your day to day financial situation where not only is there no magical solution, there are also no good options.

And it's the kind of situation where it's not the case where there are no good options because you, the individual, made mistakes or burned bridges or wasted your starting out nest egg or your initial savings so you have only yourself to blame - or even where if you just reduced your basic outgoings down several levels you'd be able to build a nest egg (back) up in order to give yourself more options again... There just aren't any good options from the jump.

Recent solves my mum has put to me as if I'm not an adult, in my 30s, living independently in another country from her with over 10 years' working experience, include:

Why don't you just get a higher paying job?

Why don't you get a pension?

Why don't you buy a house?

Why don't you move further away from your work (and your established community and the amenities you rely on) so you can buy a house?

The undertone implication is a) that we haven't already considered all the options before us, done the calculations and concluded that (unfortunately, as if it worked out it would be helpful) it isn't viable right now, and b) that by not doing these things you are somehow deliberately crafting your own misery and setting yourself up for more hardship, instead of the reality that we are making the best of what's available to us within the system that is how our generation are asked to live and exist.

I don't 'just get a higher paying job' because the structural barriers are my lack of education and my lack of social connections among the higher strata of the demographic that, by their wealth-funded access to as many qualifications as they would like to pay for, and by being able to buy the time to complete them, holds a monopoly on hiring. That's something that's come from making education something available to the highest bidder, rather than grant-funded and obtainable by anyone with the capacity to qualify for the course.

I don't have a pension (right now) because I can't afford one. The minimum contribution that I can make by law to a pension is 10% of my income a month, and I can't afford to lose an extra 10% of my income when I'm already paying around that out of my salary to a student loan with compound interest that was sold to me as a loan that wouldn't have compound interest added. I'm also paying 50%+ of my income per month on housing alone, and more on bills. Where am I supposed to find more? And of course, if my salary goes up, so too does the amount I'm meant to pay back the student loan.

I don't buy a house because I can't afford one, despite saving for a deposit for several years. Unfortunately, Liz Truss crashed the economy last year and as a result, the banks don't offer mortgages as high as they used to, and require larger deposits for properties. As such the amount that I have saved up might have been enough to put down a healthy deposit two years ago, but now, isn't. And I can't save any more because of the aforementioned draws on my income above.

And if I was to move further afield to buy a house, what's the benefit to me? I'd have to spend more money on my commute, I'd probably have to live in a much less safe area, and it's going to be cold comfort to me that I own a property if I end up getting assaulted or stabbed on my way home at night.

Trust me, I would love to live in an era where I didn't have to overthink these basics. Where the fact that I have a college degree and multiple years of specialised work experience across multiple sectors including private business and government would actually count for something and afford me a solid and stable standard of living.

But it doesn't any more. And this is my life, and the lives of many of us nowadays. And we can't just sit and mope about it, we have to accept it, and adapt, and do the best we can to keep going until something gets a little easier for us, until the luck of the draw rolls our way or until someone with the power and ability through government or big business to effect a real change takes that shot and acts to make things just that bit less bleak for us.

Until then, a little empathy wouldn't hurt instead of a lecture.

#text post #whew this became an essay #boomers #generational change #uk #structural barriers #millennials #personal #society #2023 #liz truss #uk politics #anti tory #cw violence #tw violence #generation gap #adult life

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bunnakit · 10 months

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I think one of the most beautifully written but most tragic things about KinnPorsche is Porsche and his relationship with Greed. We're immediately introduced to Porsche and his family's financial struggles in the very first episode; an orphan taking care of his brother, struggling to make payments on a house he inherited but in no way can afford. He's a bartender and while he does well for himself in his field it's just not enough - and the loan collectors are coming to claim. We learn he's had no family members to help him financially, he's had to throw himself to the wolves in terms of loans and illegally fighting to make ends meet. If anyone in the world could be greedy and desperate for money and be completely justified for it, it's Porsche. He could've easily have been an "I'll do anything to make a buck" kind of character, someone who easily sacrifices his morals to get whatever he needs to provide for himself and his brother.

But that's not who he is.

Porsche teases the other bartenders and says he'll teach them how to get good tips if they pay him - and then he gives the money back and says he doesn't charge his friends. After he's short of the money he needs at the fight he never looks to Jom, never assumes he's entitled to any of the money his friend has made off his hard work. He's not too proud to accept it though; which makes me believe he's known Jom for some time, and Jom must understand Porsche's situation fairly well to make the offer without hesitating. (We should all love Jom more, he seems like such a genuinely good man.) Then here comes Kinn, wallet bursting at the seams but moral compass buried straight in Hell.

Kinn offers Porsche money, more money than I'm sure Porsche has ever fathomed having. It would solve all his problems, allow his brother a life of luxury and comfort never having to worry about debt collectors snapping at their heels.

But Porsche doesn't take it.

He refuses to sacrifice his morals and his kindness and everything his mother taught him to be, even if it would mean an easy solution to all his problems. Porsche balks in the face of Greed and Opulence in favor of Honor and Goodness. Some things are more important than money. And then he loses all of that. He fights tooth and nail but his morals chip away piece by piece - leaving his brother, confronting a man for a loan, kill after kill after kill - until Porsche is carved into the perfect tool. A pretty little statue for Korn's mantle. The Porsche we're introduced at the beginning of the show is dead, buried underneath the corpse of his own morals and ideals. A new man rises in the world of Greed and Indulgence, too far in to change his fate.

#kinnporsche #porsche pachara kittisawasd #kprewatch2023 #kinnporsche the series #kinnporsche: the series #idk i'm just saying shit again #i didn't mean to write this much #but i'm very stoned and having a lot of thoughts #kp meta

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bitchesgetriches · 2 years

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MASTERPOST: Everything You Need To Know About Living Independently for the First Time

On leaving home for the first time:

Leaving Home before 18: A Practical Guide for Cast-Offs, Runaways, and Everybody in Between

Ask the Bitches: “I Just Turned 18 and My Parents Are Kicking Me Out. How Do I Brace Myself?”

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

How To Start at Rock Bottom: Welfare Programs and the Social Safety Net

Advice I Wish My Parents Gave Me When I Was 16

Ask the Bitches: How Can I Make Myself Financially Secure Before Age 30?

You Won’t Regret Your Frugal 20s

Master the Logistics and Etiquette of Moving Out

Season 2, Episode 5: “What Do I Need to Know about Moving into My First Apartment?”

On basic finance:

How the Hell Does One Open a Bank Account? Asking for a Friend.

How Do You Write and Cash Checks? Asking for a Friend.

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

You Must Be This Big to Be an Emergency Fund

A Hand-Holding Guide to Getting Your First Credit Card

How to File Your Taxes FOR FREE: Simple Instructions for the Stressed-Out Taxpayer

Dafuq Is Credit and How Do You Bend It to Your Will?

How to Save for Retirement When You Make Less Than $30,000 a Year

Dafuq Is Interest and How Does It Work for the Forces of Darkness?

What’s the Difference Between Savings and Checking Accounts, and How Should I Be Using Them?

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Dafuq Is Insurance and Why Do You Even Need It?

Investing Deathmatch: Investing in the Stock Market vs. Just… Not

Dafuq Is a Retirement Plan and Why Do You Need One?

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

On managing your household:

How the Hell Does One Laundry? Asking for a Friend.

How the Hell Does One Wash Dishes? Asking for a Friend.

Ask the Bitches: Why Are Painted Mason Jars the Internet’s Only Solution to My Tiny Apartment Woes?

9 Essential Tools for Apartment-Dwellers (and 6 That Are Kinda Useless)

Ask the Bitches: How Can I Survive in an Apartment with No Heat?

How to Save Money on Your Beloved Pets

Bullshit Reasons Not to Buy a House: Refuted

How To Maintain Your Car When You’re Barely Driving It

25 Tricks to Stay Cool WITHOUT Air Conditioning

On feeding and caring for yourself:

You Should Learn To Cook. Here’s Why.

How to Shop for Groceries like a Boss

If You Don’t Eat Leftovers I Don’t Even Want to Know You

I Think I Need to Go the Emergency Room?

Ask the Bitches: Ugh, How Do I Build the Habit of Taking Meds?

On maintaining relationships:

Season 1, Episode 8: “My Mother Demands Information About My One-Night Stands.”

Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?”

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again?

Ask the Bitches: My Dad Sucks with Money. How Do I Make Him Change?

You Need to Talk to Your Parents About Their Retirement Plan

Season 2, Episode 1: “I’m Financially Stable, but My Friends Aren’t. The Guilt Is Crushing!”

On starting your career:

22-Year-Olds Don’t Belong in Grad School

High School Students Have No Way of Knowing What Career to Choose. Why Do We Make Them Do It Anyway?

The Actually Helpful, Nuanced, Non-Bullshit Way to Choose a Future Career

Your College Major May Not Prepare You for Your Job—but It Can Prepare You for Life

The Ugly Truth About Unpaid Internships

Your School or Workplace Benefits Might Include Cool Free Stuff

#masterpost #living independently #moving out #financial independence #personal finance

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