#filed under: resources | Explore Tumblr Posts and Blogs

mostlysignssomeportents · 9 months

Text

Paying consumer debts is basically optional in the United States

The vast majority of America's debt collection targets $500-2,000 credit card debts. It is a filthy business, operated by lawless firms who hire unskilled workers drawn from the same economic background as their targets, who routinely and grotesquely flout the law, but only when it comes to the people with the least ability to pay.

America has fairly robust laws to protect debtors from sleazy debt-collection practices, notably the Fair Debt Collection Practices Act (FDCPA), which has been on the books since 1978. The FDCPA puts strict limits on the conduct of debt collectors, and offers real remedies to debtors when they are abused.

But for FDPCA provisions to be honored, they must be understood. The people who collect these debts are almost entirely untrained. The people they collected the debts from are likewise in the dark. The only specialized expertise debt-collection firms concern themselves with are a series of gotcha tricks and semi-automated legal shenanigans that let them take money they don't deserve from people who can't afford to pay it.

There's no better person to explain this dynamic than Patrick McKenzie, a finance and technology expert whose Bits About Money newsletter is absolutely essential reading. No one breaks down the internal operations of the finance sector like McKenzie. His latest edition, "Credit card debt collection," is a fantastic read:

https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/

McKenzie describes how a debt collector who mistook him for a different PJ McKenzie and tried to shake him down for a couple hundred bucks, and how this launched him into a life as a volunteer advocate for debtors who were less equipped to defend themselves from collectors than he was.

McKenzie's conclusion is that "paying consumer debts is basically optional in the United States." If you stand on your rights (which requires that you know your rights), then you will quickly discover that debt collectors don't have – and can't get – the documentation needed to collect on whatever debts they think you owe (even if you really owe them).

The credit card companies are fully aware of this, and bank (literally) on the fact that "the vast majority of consumers, including those with the socioeconomic wherewithal to walk away from their debts, feel themselves morally bound and pay as agreed."

If you find yourself on the business end of a debt collector's harassment campaign, you can generally make it end simply by "carefully sending a series of letters invoking [your] rights under the FDCPA." The debt collector who receives these letters will have bought your debt at five cents on the dollar, and will simply write it off.

By contrast, the mere act of paying anything marks you out as substantially more likely to pay than nearly everyone else on their hit-list. Paying anything doesn't trigger forbearance, it invites a flood of harassing calls and letters, because you've demonstrated that you can be coerced into paying.

But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.

This means that the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, debt collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."

Here's how this debt market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning that varies with each issuer), then your debt will be sold to a collector. It is packaged in part of a large spreadsheet – a CSV file – and likely sold to one of 10 large firms that control 75% of the industry.

The "mom and pops" who have the other quarter of the industry might also get your debt, but it's more likely that they'll buy it as a kind of tailings from one of the big guys, who package up the debts they couldn't collect on and sell them at even deeper discounts.

The people who make the calls are often barely better off than the people they're calling. They're minimally trained and required to work at a breakneck pace. Employee turnover is 75-100% annually: imagine the worst call center job in the world, and then make it worse, and make "success" into a moral injury, and you've got the debt-collector rank-and-file.

To improve the yield on this awful process, debt collection companies start by purging these spreadsheets of likely duds: dead people, people with very low credit-scores, and people who appear on a list of debtors who know their rights and are likely to stand on them (that's right, merely insisting on your rights can ensure that the entire debt-collection industry leaves you alone, forever).

The FDPCA gives you rights: for example, you have the right to verify the debt and see the contract you signed when you took it on. The debt collector who calls you almost certainly does not have that contract and can't get it. Your original lender might, but they stopped caring about your debt the minute they sold it to a debt-collector. Their own IT systems are baling-wire-and-spit Rube Goldberg machines that glue together the wheezing computers of all the companies they've bought over the last 25 years. Retrieving your paperwork is a nontrivial task, and the lender doesn't have any reason to perform it.

Debt collectors are bottom feeders. They are buying delinquent debts at 5 cents on the dollar and hoping to recover 8 percent of them; at 7 percent, they're losing money. They aren't "large, nationally scaled, hypercompetent operators" – they're shoestring operations that can only be viable if they hire unskilled workers and fail to train them.

They are subject to automatic damages for illegal behavior, but they still break the law all the time. As McKenzie writes, a debt collector will "commit three federal torts in a few minutes of talking to a debtor then follow up with a confirmation of the same in writing." A statement like "if you don’t pay me I will sue you and then Immigration will take notice of that and yank your green card" makes the requisite three violations: a false threat of legal action, a false statement of affiliation with a federal agency, and "a false alleged consequence for debt nonpayment not provided for in law."

If you know this, you can likely end the process right there. If you don't, buckle in. The one area that debt collectors invest heavily in is the automation that allows them to engage in high-intensity harassment. They use "predictive dialers" to make multiple calls at once, only connecting the collector to the calls that pick up. They will call you repeatedly. They'll call your family, something they're legally prohibited from doing except to get your contact info, but they'll do it anyway, betting that you'll scrape up $250 to keep them from harassing your mother.

These dialing systems are far better organized than any of the company's record keeping about what you owe. A company may sell your debt on and fail to keep track of it, with the effect that multiple collectors will call you about the same debt, and even paying off one of them will not stop the other.

Talking to these people is a bad idea, because the one area where collectors get sophisticated training is in emptying your bank account. If you consent to a "payment plan," they will use your account and routing info to start whacking your bank account, and your bank will let them do it, because the one part of your conversation they reliably record is this payment plan rigamarole. Sending a check won't help – they'll use the account info on the front of your check to undertake "demand debits" from your account, and backstop it with that recorded call.

Any agreement on your part to get on a payment plan transforms the old, low-value debt you incurred with your credit card into a brand new, high value debt that you owe to the bill collector. There's a good chance they'll sell this debt to another collector and take the lump sum – and then the new collector will commence a fresh round of harassment.

McKenzie says you should never talk to a debt collector. Make them put everything in writing. They are almost certain to lie to you and violate your rights, and a written record will help you prove it later. What's more, debt collection agencies just don't have the capacity or competence to engage in written correspondence. Tell them to put it in writing and there's a good chance they'll just give up and move on, hunting softer targets.

One other thing debt collectors due is robo-sue their targets, bulk-filing boilerplate suits against debtors, real and imaginary. If you don't show up for court (which is what usually happens), they'll get a default judgment, and with it, the legal right to raid your bank account and your paycheck. That, in turn, is an asset that, once again, the debt collector can sell to an even scummier bottom-feeder, pocketing a lump sum.

McKenzie doesn't know what will fix this. But Michael Hudson, a renowned scholar of the debt practices of antiquity, has some ideas. Hudson has written eloquently and persuasively about the longstanding practice of jubilee, in which all debts were periodically wiped clean (say, whenever a new king took the throne, or once per generation):

https://pluralistic.net/2020/03/24/grandparents-optional-party/#jubilee

Hudson's core maxim is that "debt's that can't be paid won't be paid." The productive economy will have need for credit to secure the inputs to their processes. Farmers need to borrow every year for labor, seed and fertilizer. If all goes according to plan, the producer pays off the lender after the production is done and the goods are sold.

But even the most competent producer will eventually find themselves unable to pay. The best-prepared farmer can't save every harvest from blight, hailstorms or fire. When the producer can't pay the creditor, they go a little deeper into debt. That debt accumulates, getting worse with interest and with each bad beat.

Run this process long enough and the entire productive economy will be captive to lenders, who will be able to direct production for follies and fripperies. Farmers stop producing the food the people need so they can devote their land to ornamental flowers for creditors' tables. Left to themselves, credit markets produce hereditary castes of lenders and debtors, with lenders exercising ever-more power over debtors.

This is socially destabilizing; you can feel it in McKenzie's eloquent, barely controlled rage at the hopeless structural knot that produces the abusive and predatory debt industry. Hudson's claim is that the rulers of antiquity knew this – and that we forgot it. Jubilee was key to producing long term political stability. Take away Jubilee and civilizations collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Debts that can't be paid won't be paid. Debt collectors know this. It's irrefutable. The point of debt markets isn't to ensure that debts are discharged – it's to ensure that every penny the hereditary debtor class has is transferred to the creditor class, at the hands of their fellow debtors.

In her 2021 Paris Review article "America's Dead Souls," Molly McGhee gives a haunting, wrenching account of the debts her parents incurred and the harassment they endured:

https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/

After I published on it, many readers wrote in disbelief, insisting that the debt collection practices McGhee described were illegal:

https://pluralistic.net/2021/05/19/zombie-debt/#damnation

And they are illegal. But debt collection is a trade founded on lawlessness, and its core competence is to identify and target people who can't invoke the law in their own defense.

Going to Defcon this weekend? I’m giving a keynote, “An Audacious Plan to Halt the Internet’s Enshittification and Throw it Into Reverse,” today (Aug 12) at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!

https://info.defcon.org/event/?id=50826

I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act

#pluralistic #jubilee #debts that cant be paid wont be paid #Patrick McKenzie #patio11 #bits about money #debt #debt collection #do not pay #bottom feeders #Fair Debt Collection Practices Act #fdcpa #finance #armbreakers

11K notes · View notes

reasonsforhope · 4 months

Text

"In an unprecedented step to preserve and maintain the most carbon-rich elements of U.S. forests in an era of climate change, President Joe Biden’s administration last week proposed to end commercially driven logging of old-growth trees in National Forests.

Secretary of Agriculture Tom Vilsack, who oversees the U.S. Forest Service, issued a Notice of Intent to amend the land management plans of all 128 National Forests to prioritize old-growth conservation and recognize the oldest trees’ unique role in carbon storage.

It would be the first nationwide amendment to forest plans in the 118-year history of the Forest Service, where local rangers typically have the final word on how to balance forests’ role in watershed, wildlife and recreation with the agency’s mandate to maintain a “sustained yield” of timber.

“Old-growth forests are a vital part of our ecosystems and a special cultural resource,” Vilsack said in a statement accompanying the notice. “This clear direction will help our old-growth forests thrive across our shared landscape.”

But initial responses from both environmentalists and the logging industry suggest that the plan does not resolve the conflict between the Forest Service’s traditional role of administering the “products and services” of public lands—especially timber—and the challenges the agency now faces due to climate change. National Forests hold most of the nation’s mature and old-growth trees, and therefore, its greatest stores of forest carbon, but that resource is under growing pressure from wildfire, insects, disease and other impacts of warming.

Views could not be more polarized on how the National Forests should be managed in light of the growing risks.

National and local environmental advocates have been urging the Biden administration to adopt a new policy emphasizing preservation in National Forests, treating them as a strategic reserve of carbon. Although they praised the old-growth proposal as an “historic” step, they want to see protection extended to “mature” forests, those dominated by trees roughly 80 to 150 years old, which are a far larger portion of the National Forests. As old-growth trees are lost, which can happen rapidly due to megafires and other assaults, they argue that the Forest Service should be ensuring there are fully developed trees on the landscape to take their place...

The Biden administration’s new proposal seeks to take a middle ground, establishing protection for the oldest trees under its stewardship while allowing exceptions to reduce fuel hazards, protect public health and safety and other purposes. And the Forest Service is seeking public comment through Feb. 2 (Note: That's the official page for the proposed rule, but for some reason you can only submit comments through the forest service website - so do that here!) on the proposal as well as other steps needed to manage its lands to retain mature and old-growth forests over time, particularly in light of climate change.

If the Forest Service were to put in place nationwide protections for both mature and old-growth forests, it would close off most of the National Forests to logging. In an inventory concluded earlier this year in response to a Biden executive order, the Forest Service found that 24.7 million acres, or 17 percent, of its 144.3 million acres of forest are old-growth, while 68.1 million acres, or 47 percent, are mature."

-via Inside Climate News, December 20, 2023

Note: This proposed rule is current up for public comment! If you're in the US, you can go here to file an official comment telling the Biden administration how much you support this proposal - and that you think it should be extended to mature forests!

Official public comments really DO matter. You can leave a comment on this proposal here until February 2nd.

3K notes · View notes

bunnydevs · 8 months

Text

[GoogleDocs Link] -> pictures are not the full document, just a snippet!

Hello! I've made a fairly detailed planning tutorial based off of backwards planning + character creation. You start off by imagining a character who already completed all of your goals. By the end you have a 12 week framework including bite sized tasks + one habit per week to hit your one year goals. You can use short term + long term goals with this and adjust it to your needs. There's also a little bit of "gamification" to this, you can either ignore it or you can go with it. It's up to you! I figured I'd share. I originally created this for myself (it's easier for me to conceptualize things if I pretend I'm teaching someone). But I thought someone else may struggle with planning without a guide/template. So.

If you need a printable / ipad chore chart you'd like to use in conjunction with this, here is a free set I posted. I might make a printable version of this soon :0 We will see! Feel free to send me an ask for any questions you might have regarding this / ways to make this easier for you to carry out.

61 notes · View notes

dominateeye · 8 months

Text

...In the suit, Faren asserts that she signed a severance agreement with ZeniMax, which stipulated that they’d provide her COBRA coverage (18 months of healthcare coverage after leaving the job) on the condition that she not file a discrimination lawsuit. This was allegedly after a year of transphobic aggressions in her workplace after she came out (which the company seems to admit, if they’ve asked her not to file a discrimination suit). Oh, and she says she was pressured to come out because her supervisor outed her on Slack during a meeting before she could talk to the team herself. Faren documented all of this through screenshots, recorded phone calls, and more. However, all of that isn’t even what the lawsuit is about. The suit is about what came next. ...

“In mid-June, Ms. Faren confirmed with Blue Cross and Blue Shield that she was still covered under the plan and scheduled her surgeries to take place in July. However, the coverage was retroactively terminated after the surgeries took place, leaving Plaintiff with hospital and doctor’s bills. Ms. Faren continued to be without health insurance until September 25, 2022, resulting in high priced prescription drug payments, as well as physician and hospital bills, many of which she was not aware of for months following services. ..." Even the most well-intentioned human resources departments don’t actually exist to help employees. They exist to protect the company from getting sued. That’s their main function. In Faren’s case, that happened in a straightforward way when her health coverage was held hostage so she wouldn’t file a discrimination lawsuit. But HR departments do this in more subtle ways, too. ...

#transphobia #starfield #bethesda #zenimax

4K notes · View notes

opencommunion · 3 months

Text

this Friday Jan 26th, the first hearing in the US federal lawsuit charging Biden with complicity in genocide, Defense for Children International - Palestine v. Biden, will be livestreamed: "Pre-hearing Briefing (Online) Time: 7:30 a.m. - 9:00 a.m. (PST) / 10:30 a.m. - 12 p.m. (EST) / 5:30 p.m. - 7 p.m. (Palestine)

During the YouTube livestream, lawyers, advocates, and organizers will share analysis about the importance to the Palestinian solidarity movement of this momentous court hearing and the DCIP v. Biden case, which charges the Biden administration with complicity in and failure to prevent Israel’s unfolding genocide against Palestinians. You can watch at on the Center for Constitutional Rights YouTube page.

Hearing in Defense for Children International - Palestine v. Biden (In-person & online) Time: 9:00 a.m. (PST) / 12 p.m. (EST) / 7 p.m. (Palestine)

The hearing, which will include live testimony by our plaintiffs and expert, will take place in person at the U.S. District Court for the Northern District of California, 1301 Clay Street in Oakland, CA. You can also watch the court’s online stream – instructions for how to join the public hearing on Zoom can be found on Judge White’s page on the court website. A recording of the hearing will be made available by the court at a later date.

Defense for Children International - Palestine v. Biden was filed in November by the Center for Constitutional Rights and co-counsel Van Der Hout LLP against the President, Secretary of State, and Secretary of Defense on behalf of two Palestinian human rights organizations and eight Palestinians in the U.S. and Palestine. The case challenges the U.S. government's failure to prevent and complicity in Israel’s unfolding genocide of the Palestinian people and asks the court to order the Biden administration to cease diplomatic and military support and comply with its legal obligations under international and federal law. The hearing on the preliminary injunction motion and the government’s motion to dismiss the case will take place on Friday, January 26.

Find out more on our case page and Stop the Genocide resource page."

#palestine

1K notes · View notes

libraford · 4 months

Text

Here's what's going on in Ohio right now. Heavy stuff ahead.

First, I want to apologize for the misinformation in my original post. I am still learning about legislative processes. To correct: the changes to ODH and OMHAS in regards to gender therapy are not a bill, they are changes in regulations.

This is important because citizens CAN affect rule changes. There is an open commentary period where your submissions get counted and can affect how they write new regulations.

Disclaimer: I am not a lawyer, legal advocate, or medical professional. I'm just a dude who had to have it all explained to me.

The first one is Ohio Mental Health and Addiction Services. The rules proposed would make the already prohibitive process of gender transition even harder. In order to diagnose and treat gender dysphoria, a hospital needs to have a board certified psychologist per patient, a board certified endocrinologist familiar with the age group being diagnosed per patient, and a medical ethicist overseeing the hospital's plan for transition. 'Board certified' does not guarantee that the specialist is trans-friendly. It must include a detransition plan. Hospitals would have to report compliance annually. The professionals must have a contractual relationship with the patient, but do not need to offer in-person care. (In this instance, I'll get to that in the next rule change.)

This rule also deems it impermissible to prescribe gender transition care (this includes hormones, puberty blockers, or drugs) for anyone under the age of 21 without the approval of the professionals mentioned and 6 months of therapy.

There is an exception for intersex people, who may have their sex assigned to them without their consent.

The open comment period for this ends January 19 at 5pm.

Send an email to [email protected] with the subject title: "Comments on Gender Transition Care Rules."

The second one is Ohio Department of Health and it repeats a lot of the same as the first one. However, the focus is more on the regulation of doctors and paperwork. Anyone seeking transition will be put into a registry with their name redacted, but demographics like age, agab, specific diagnosis (difficult to achieve with the new regulations mentioned above), and any medications (not just related to gender transition, but any medications at all). Any cessation of care must be reported within 30 days.

This is a lot of paperwork and can overburden hospitals.

That 30 days cessation is important because if a person transfers doctors or if a clinic closes and the paperwork isn't filed, it may count as a 'detransition' when tallying demographics, even if that is not the case.

But what's curious is that the ODH regulations DO require in-person care. The rules are contradictory and vague.

The comment period for this ends Feb 5th.

Send a comment through the ODH website

Here are some important things that were mentioned at the meeting:

This is a good time to be personal with your statements. If this would disrupt your life in any way, please say so. "I fear that" "I believe this" "I worry that"- these are great ways to start your comment. An example one person gave is "I worry that this change in regulations would force me and my daughter to move out of state.'

With that being said, anything that you send to these sites will be public record, so be cautious about what you reveal about yourself in your comment.

If you are in need of help, please reach out to one of these resources:

Trans Ohio Emergency Fund Resource Page

Kaleidoscope Youth Center

If you are in need of legal advice on how to navigate all this, please call

888-LGBT-LAW

This is not everything. There is unfortunately more because Ohio decided to break a record this month with anti-trans motions. But today I'm focusing on things that we can take action on.

#trans #lgbtq #ohio #call to action

1K notes · View notes

andypantsx3 · 2 months

Text

𝐢𝐧 𝐚𝐧𝐲 𝐮𝐧𝐢𝐯𝐞𝐫𝐬𝐞 : 𝐭𝐨𝐝𝐨𝐫𝐨𝐤𝐢 𝐬𝐡𝐨𝐮𝐭𝐨 𝐱 𝐫𝐞𝐚𝐝𝐞𝐫

𝐜𝐨𝐧𝐭𝐞𝐧𝐭𝐬: 1.7k of unedited alien prince shouto thoughts based on this post from the other day! sfw, gender neutral reader. several elements of this universe were borrowed from my fave sci-fi novel; see end notes for deets!

he's beautiful—the todoroki prince. tall and strong in his high-collared uniform, strapped with lean muscle and handsomely humanoid. he's the first thing that snares your gaze as your party is guided into the hall of the sun—the reception dome that overlooks the rise of the star yuuei in the morning sky, used by the ruling family to receive visiting dignitaries.

it is morning, in endeavorian planetary time, and the sun has begun to rise. its light is weaker than you remember from back home—almost watery, pooling like quicksilver in the panes of the dome's ceiling.

up at the front of the hall, it catches in the strands of the white half of the prince's hair. from what izuku has told you, it's the half that indicates he's part of the himura bloodline. the himura dynasty has ruled the yuuei system from its capital planet of endeavor iv for tens of thousands of earth-years. it's the second longest line of unbroken rulers in mapped galactic history, an impressive feat.

the other half of the prince's hair is a fiery red, like that of the man who stands next to him—todoroki enji, the general of intergalactic renown, who donated half of prince shouto's genome as well as his clan name. each time a himuran royal from the main line marries, izuku had explained, talking at lightspeed in the podship, they take a branch name, typically sourced from the primary gene-donator. it helps keep inheritance lines clear.

prince shouto looks like he's inherited empress rei and todoroki enji's genes in exactly half—his coloring split down the middle, though his features are perfectly, almost hauntingly symmetrical. he wears a pin of flint at his collar that symbolizes his gender—one of yuuei's thirteen official designations. from what you understand from izuku, it most closely aligns with earth designation "man".

it's embarrassing how much you notice about the prince as you file into the hall, stationing yourself right at the gap between izuku and tenya's shoulders, so you can still see todoroki shouto.

"you don't think they'll reject the treaty and kill us all, do you?" denki mumurs nervously as he presses in behind you.

"no, i don't think so," izuku's gentle voice drifts back to you. he's a three-star ethnologist, studying for a command ethnology post. subsequently he's the most informed of any of the cadets that have been sent along with the treatise party. you and denki are just mechanics, sent along in case anything goes wrong.

"the alliance would be too much trouble for the yuuei," izuku explains. "they have good relations with the surrounding galaxies and tight control over a lot of resources. but the alliance is really large now, compared to the last time they approached the yuuei. they'll likely want to accept at least a loose federation with the allies."

up on the platform at the front of the hall, prince shouto blinks long and slow, like an earth cat. you realize with a start it's the first time you've seen him blink at all, and the subtle reminder that he is not just an extraordinarily handsome human man but the prince of an alien species makes your skin prickle.

"don't you think it's weird they are all this pretty?" denki asks. "it's weird, right?"

"definitely weird," you laugh, your eyes trailing over prince shouto's blade-straight nose, his pert, perfect mouth. "possibly illegal under intergalatic law."

prince shouto stills all of a sudden, and there is the tiniest tilt of his head. two heterochromatic eyes flick over your way, and you are completely embarrassed by the way your stomach swoops in response. you just manage not to grab onto tenya's uniform to steady yourself.

one of the prince's eyebrow arches almost imperceptibly, and you wonder if he's heard you from this distance—but no, that would be insane.

denki picks up his commentary, emboldened by your playing along. you think the prince's eyes linger just a little too long on the gap between izuku and tenya's shoulders, but then you're distracted by the reception beginning.

the alliance treaty officer strides forward, flanked by a few of the other officials your crew had ferried here. she performs an elaborate bow, as do the other officials. from izuku's muttering you gather it's some sort of ritualistic greeting, and empress rei at least looks pleased with it, waving a gentle hand to gesture the party forward.

there is some shuffling as various aides set up a table and a series of holo-tablets, along with various inks, a leathery roll of endeavorian traditional parchment, and—

"is that a knife?" you ask, peering at the long obsidian blade placed on the table in front of the officials.

izuku's fluffy head of green curls inclines. "treaties are sealed twice. once in the alliance fashion and then again in the local custom, to make it binding per both systems. blood pacts have been used in yuuei for millennia."

the brush of something over your face has your gaze turning back to the prince—to find him staring straight at you, those unblinking eyes boring into you.

"izuku, weird question. can the yuuei hear across rooms?" you ask, suddenly self-conscious.

a green eye peers back at you. "only in the event of their pair bonds—the yuuei are documented hearing their matepair across approximately ten earth-kilometers. i think we're safe over here though. why?"

matepair. the world settles strangely under your skin, as the prince's eyes brush across it.

"uh, matepair?" you echo.

tenya gives both you and izuku a quelling look, but it's not enough to deter izuku from ducking down to explain in slightly quieter tones. "the yuuei look human but they pair differently. they form a parapsychic bond with only a single partner, which they maintain and uphold for life. it's not just cultural—it's like a physical compulsion. they cannot take another pair, and they cannot be separated for long periods or they grow sick."

prince shouto is still staring straight at you, and it's not quite comforting enough to know that he cannot possibly hear you.

it's only his role in the ceremony that seems to eventually break the prince's weird focus in your direction. he steps forward to perform his duty as empress rei's chosen heir. you almost flinch as the knife draws across the pale skin of his palm, and he adds several drips of silvery blood to the parchment, symbolizing yuuei's intent to uphold the treaty across future monarchs.

the flesh of his palm knits itself back together in seconds, and another little shiver goes up your spine. those mismatched eyes flash back your way as he steps back, and the various aides and officials once again converge on the documents.

there is a brief flurry of activity, various bows and oaths, some stilted endeavorian verse. the chief treaty officer looks relieved when it's all over, and the royal family steps down from the dais to greet the rest of the visiting party, as is the customary honor granted to allies to the yuuei. tenya ushers you into the queue near the back with denki, a symbol of your lower status as mechanics.

you don't mind, as the thought of reaching prince shouto has your stomach doing what feel like backflips in your gut. the longer the delay the better.

izuku had walked everyone through the appropriate greetings on the podship, a few murmured words and a hand touch at chest-level—extremely hard to mess up, even for you. but nevertheless your pulse kicks up the closer you draw to the royal family.

there's a long line of them you greet first. offshoot branch members, then general todoroki enji, whose enormous palm burns hot against yours and who looks he'd rather take your party's hands off than touch them. then rei's unchosen heirs—the princess fuyumi, prince natsuo—and a gap where prince touya would have stood, were he not offworld.

and then you're standing in front of prince shouto, your pulse pounding in your ears. he's extremely tall up close, clearing six feet easily, broad across the shoulders and handsome in a way that almost makes your teeth ache. the yuuei look deceptively human, but this near you can see the tiny details that separate them from you—the slight double-point to their ears, the silvery undertone to their skin, the prolonged space between their breaths and their blinks.

and of course their inhuman beauty. they don't quite look like regular people, and it sparks a tiny note of wariness in the primeval part of your human hindbrain.

prince shouto's mismatched eyes pin you, silver and blue, as a sudden, silvery flush creeps across his face. you hold your hand out in greeting, trying not to wonder if you've somehow managed to offend him already—but instead of pressing his palm against yours, his long fingers suddenly grasp yours, clasping tightly.

beyond him, empress rei freezes too. all at once you can feel every single himuran noble turn to look at you, hundreds of eyes pinning on you.

reflexively, words tumble out of you. "shit did i—what did i do? were you supposed to get a different hand thingy?"

you can hear the treaty officer's horrified inhale at the terms shit and hand thingy, deployed in crass galactic standard in front of a literal prince. you immediately wish you could take them back, but from the look on the prince's face, he's already heard them.

something at the corner of his mouth twitches, like he's trying not to smile.

"y/n," he says, in a deep tone. it's crisply accented and just as beautiful as the rest of him.

it takes you a second to realize prince shouto has used your name, which he could not possibly know considering the uniform you'd been issued for the yuuei visit has no unique identifiers on it. you glance down at yourself, then back up at him, befuddled.

"how did you—? where did you—?" you garble out. "did denki put you up to this? how do you know me?"

prince shouto's fingers smooth over yours, delightfully warm, calloused and sure. "i would know you in any universe," he says, voice soft. behind you, you hear princess fuyumi make a tiny sound of delight.

you blink. "universe? what—uh, what universe? how would you—?"

but shouto leans in, tugging you closer with those deceptively strong fingers. he's so very warm up close, and so beautiful it makes your brain short circuit, especially as he lowers his face to yours. a shiver rolls down your spine as his other hand takes you gently by the chin.

and then he murmurs a single word before pressing his mouth to yours—

"matepair."

𝐞𝐧𝐝 𝐧𝐨𝐭𝐞𝐬: credits where they are due!! the idea of a space general dna donator, an overarching space alliance pursuing a treaty, & the flint pin denoting gender were taken from my fave sci-fi novel winter's orbit by everina maxwell! (if you love heartfelt gay love stories in space i am actually begging you to read it).

#todoroki x reader #shouto x reader #todoroki shouto x reader #shouto x you #todoroki x you

987 notes · View notes

nicosraf · 11 days

Note

Wait what did Freydis Moon do? :( I've read their books and really liked them, but I don't follow them anywhere online, so that last ask you got worried me

Freydis Moon has been exposed to be Taylor Barton, a white person from the state of Oregon, someone who had a history of faking their race, being racist, and general abusive behavior. You can read more here about this Taylor person here, and you can find an incredibly long thread here.

Freydis was a colleague of mine, and they took me under their wing when I entered the indie book scene. They presented themselves as a Latine, mystic, queer trans author — who was older than me, I should add — so I deeply admired them and confided in them. I don't think ABM would have ever gotten much attention if I hadn't received their guidance.

There had been some whispers that Freydis was really Taylor, but I'd seen Frey's seemingly darker-skinned hands and heard their real name, which was supposedly Daniela.

Two things I should say before the big reveal: Freydis briefly hired a publicist named Cordi, who was also an agent with their own agency, named The Lynne Agency. Cordi, very randomly, decided to leave the industry and left their clients, and Freydis, hanging. Someone else to mention is Saint Harlow, an author of gay, cannibal erotica. On twitter, Saint was known for peddling a lot of drama — sometimes, he was on the good side of things and sometimes the bad, but he tended to be a massive bully. Freydis allegedly comforted some of Saint's victims.

And the reveal:

Freydis is the race faker Taylor Barton. The evidence is substantial, but most notably, some of the files they shared with other authors, including me, had metadata with the names of Taylor Barton's other identities. I was able to check the files myself to confirm.

They were also Saint Harlow. Meaning Freydis was bullying people secretly on one account and comforting them on another. And the bullying was a lot more disgusting than you might think, but for the sake of the victim, I won't share details.

They were also the publicist/agent Cordi. Why did they pretend to be an agent at all? I'm not sure but they wasted a lot of authors' times, that's for sure. Were they just looking to plagiarize off manuscripts sent to them? Who knows. (A friend of mine who sent their manuscript to them fears so).

There were a lot of interactions between Taylor and I that are much much weirder in retrospect. They critiqued the industry use of #ownvoices, which I agreed about, but blew the issue out of proportion, like thinking #ownvoices gay-trans author book lists shouldn't exist because of potential outing, mlm books by mlm authors lists shouldn't exist because of potential outing, and that lists of books by people of color about people of color also shouldn't exist because... potential outing? Taylor was, to me, oddly sympathetic toward certain authors accused of racism and shot down my concerns of a certain book with what I felt to be pro-colonizer themes inconsistently — their response to racism seemed to depend on whether they already disliked a person or not.

I could say a lot more but as someone who spoke to Taylor in private at times, there were a lot of things I was unsure about even when I was on their side of things. To some people, apparently, Freydis had said they were part Mexican, but only ever told me they were Peruvian (they might've known I'd clock them as a faker). Regardless, when this all came to light, their response was shockingly dismissive.

This may be more info than you asked for but TLDR:

Freydis Moon faked their race and ethnicity, bullied and manipulated many readers and authors using various fake identities, took advantage of latine author resources, and so on.

#mine #ask #publishing #freydis moon

484 notes · View notes

jymwahuwu · 11 months

Note

Hello! Me again unexpectedly! Can I request a yandere Jing Yuan x reader family/smut! (Jing Yuan x reader are romantic/ Yanqing x reader are platonic like a mother-son relationship)

It goes like this, Jing Yuan came back from his mission with an surprise for his darling reader who’s his Lieutenant. That surprise was an baby Yanqing, and Jing Yuan wanted his darling to help him raise the cute cinnamon roll as their own.

It was also planned while he was on his mission and coming across baby Yanqing, which is having his darling be his prefect housewife and mother to their children. As Yanqing grows, Jing Yuan praises being an excellent wife and mother, besides his darling asking about her work.

Then 4 years old Yanqing, ask for a sibling which caught the reader off guard and Jing Yuan thinking it’s time to move to the next plan. After putting Yanqing to sleep, Jing Yuan decided to put the second phase of his plan in action, as he walked to his darling room with a jasmine tea that he spited with aphrodisiac.

Jing Yuan started a conversation with his darling, asking her what her thoughts on Yanqing request of a sibling, while watching her drink the tea. His darling states that request was unexpected and that they’re not married to do something like that, also the fact that she needs to get back to work after being away for so long.

Jing Yuan told her that he got that cover and that she doesn’t have to worry about work anymore. His darling asked him what he meant by that, but start to feel uncomfortable hot. Jing Yuan grinned at her as he walked over to her to start to be intimate. Then 6 months later, Yanqing was talking to his mother who’s 6 months pregnant and the baby in her belly, while Jing Yuan watch with a grin.

yandere! jing yuan x female! reader

TW: yandere, non-con, pregnancy, aphrodisiacs, housewife kink, manipulation, abuse of power, sexism

Jing Yuan and his housewife plan (๑´ㅂ`๑)… willing to be the mama of the babies plz

As a lieutenant, you work under the general's command. You swore allegiance to General Jing Yuan and the Xianzhou Alliance - even though your job wasn't what you expected it to be, and the combat skills you trained were useless. You brew tea, clean up, and organize files in the Seat of Divine Foresight. You even have to prepare the general's meals, cook in the kitchen, wash and dry his clothes. You are a little frustrated. Jing Yuan allows you to express your opinion in the meeting, but always vetoes it with a smile. He tends to agree with Qingzu and Fu Xuan's plan, and praises these girls for being resourceful. Unfair…unfair…you complained in front of him, but the general just dissected the holes in your proposal and expressed his disappointment with you. He's told you that you don't do very well at work, but you'd be perfect as a housewife. You are taken aback by his proposal. You never thought about being a housewife or anything, but he's really attractive…has a soft spot for you…so you…believe. You are married to him.

One day, Jing Yuan returned from a war to the Seat of Divine Foresight with a baby in his arms. You ask about his little baby's parentage. Jing Yuan shook his head gently, and handed over this baby to you, needing your help to take care of this little cinnamon roll. It was all so unexpected. You hold him in an unskilled position. To your relief, the crying baby gradually calmed down in your arms, and stretched out chubby little hands to you, blowing out small bubbles. You want to say no, but your heart melts with this baby. It will break your heart if no one is willing to take care of him. So you quit your job and concentrate on taking care of Yanqing.

Baby Yanqing walking for the first time, running, calling you mama and Jing Yuan papa are all such precious moments. He often wields a small toy sword and plays with the general in the courtyard. He even pouts and asks you for siblings because the other kids have them. The siblings of Xianzhou people will accompany them for many hundreds of years, which is a deeper destiny and life than blood. You're caught off guard by the request because as your baby grows, you're thinking it's time to go back to work.

That night, Jing Yuan read stories to baby Yanqing and put him to bed with a plush toy sword. He added some aphrodisiac to the jasmine tea and walked up to the room and handed it to you. This has been a habit for months. You sip your tea while listening to your husband talk about family planning. You firmly turned him down, wanting to go back to work instead of being a housewife, and since you're not suited to work at the Seat of Divine Foresight, maybe you could apply to work in another departments of the Cloud Knights?

Jing Yuan tells you that you don't need to worry about work anymore. You feel confused as your cheeks heat up, the pain and swelling between your thighs need attention, and you still don't understand what he means. The tall white-haired husband just walks behind your back with a mysterious smile and starts rubbing your tits. He lifts your dress up to reveal your bra. He blows a warm breath in your ear and rubs your little pearl through the panties. His thrusts go deep down, leaving his seed in the opening of your cervix even as you tearfully beg him to stop and use contraception.

A few months later, you are wearing a baggy skirt and sitting in the courtyard. After training, Yanqing trots to your side and tries to chat with the baby. Jing Yuan watched all this with satisfaction.

He knows where to buy those ovulation inducers and which days are your ovulation days.

#alani.answers #yandere hsr #yandere honkai star rail #yandere jing yuan #yandere hsr x reader #yandere jing yuan x reader #honkai x reader #honkai star rail x reader #honkai star rail x you

1K notes · View notes

bunnydevs · 9 months

Text

Garden Upgrade Available. Please begin. + 25 Garden XP ; Herbs Available

-> Welcome to the vertical oasis tutorial, where you'll learn to turn a small space into an herbal fortune.

Ready to Start?

You'll need a few things to get started and a little bit of time. To start, you'll need some sort of space to work with. For my personal herb tower I'm using stackable planters that are around 1.2 sq ft (14 inches i think) + 5 in deep. [ These from dollar tree specifically ] I recommend a place that has at least partial sunlight available. If you live in an area with no outside space, you can place this near a window + add a grow light if you need. I also use fish fertilizer which is completely optional but recommended, as it can help grow strong, fruitful plants. The amount of plants you have will primarily depend on your vertical space available.

I have ~ 6ft worth of vertical space (which I'll need a step stool to tend to) and I plan on using it. My planters are about 5 inches tall, which means I can fit a maximum of fourteen of these planters. But I'll only be doing twelve so that the plants have a little bit of room at the top of the stack. That means, in total, I will have 36 "pots" for plants. The downside is, the plants will grow outwards and up, which means I can't have big plants.

Choosing seeds can be a little frustrating when you're new to this. For simplicity sake, we'll say you have around the same amount of space that I have. Since this is an herbal oasis, we'll focus on that.

One thing I absolutely recommend is marigold (edible variety means brownie points) because it's a wonderful pest repellent. It also helps the bees out, so! Marigold is good.

You can use the list provided in the image or you can come up with your own list of things to plant. Personally, each "tier" will get three of the same plants. Otherwise I forget what I planted where. If you have a lot of vertical planters, get a plant caddy so it's easy to rotate and move.

I do recommend you spend a little time learning which plants need the most sun / water but otherwise gardening is fairly straight forward. If something is wrong with your plant, you will know. The leaves will change or wilt, the plant will stop growing, etc. And remember, you can always try again.

31 notes · View notes

phantomcodes · 1 year

Photo

strawberry | theme by sage

get the code: static preview / version 2 a sidebar (left or right) theme with sticky buttons for permalink & reblog — free through the month of april (2023)!

features (more info below the cut):

toggle: tags on click, music player, updates, right or left sidebar

headerbar includes blog icon/home link & search bar | (optional) music player & updates buttons | day/night & tumblr controls buttons

sidebar includes links for home, ask, archive, & up to 5 extras, an uploadable image, and custom description

customizable: blog title, description, colors, body & title fonts, and font size

responsive design, jumpination, scroll to top, 4 corner options, 3 post margin options, phosphor icons

nothing needs to be changed in the code, everything can be changed in the customize panel!

terms:

reblog if using

do not touch the credit

all terms / faq

credits listed in the code / credits page

please consider supporting me ♡

blog name !! important

make sure you fill out the blog name field, this is what will show on the top of all your original posts. to clarify: your blog name is your blog’s url - for example: phantomcodes

music player

this player uses an image link - see my faq if you have questions

uploading your song: i recommend using google drive to host your mp3 files - below is a brief explanation for how to do this but you can also see the resources provided here by glenthemes and more links on my credits page

to start you need an mp3 audio file, once you have the one you want go to google drive and click: ＋ New ➞ File upload

select your mp3 audio file and click open

open your newly uploaded audio file in google drive and click the three dots on the top right, then click Share and under General Access change it to Anyone with the link can view

copy the sharing link provided, it will look something like this: https://drive.google.com/file/d/1pBA6KdlLEzoEZPQ6hmaSr9LGLeCQGPxz/view?usp=sharing

go to the following site and paste your sharing url in the first box provided: https://www.joelgrayson.com/drive-download-link-generator

your final product should look something like this: https://docs.google.com/uc?export=download&id=1pBA6KdlLEzoEZPQ6hmaSr9LGLeCQGPxz

make sure the music player is toggled on in the theme, paste your audio link in the Song URL field

sidebar

when your browser width gets too small the sidebar will disappear and a sidebarbutton will appear on the header to toggle it!

#themehunter #theme hunter #code hunter #tumblr theme #tumblr themes #tumblr codes #tumblr resources #completeresources #allresources #userbru #tuserlucie #userbrina #userdre #usernik #useraashna #strawberry #phantom code #phantom theme #responsive theme

2K notes · View notes