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bricksnwallbusiness · 1 year

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Top 10 Things You Should Know When Taking a Home Loan

A home loan, usually referred to as a mortgage loan, is a kind of loan obtained to buy real estate. The property is used as collateral for the loan, giving the lender the right to sell the home to recoup their losses if the borrower is unable to make payments. Home loans often have longer repayment terms of 15 to 30 years, with either fixed or variable interest rates. Regular loan payments, which normally include both principal and interest, are expected from the borrower.

One of the most important financial decisions you will ever make is whether to take out a loan for a home. It can be a difficult procedure, so it's critical to do your research before committing. The top ten items to be aware of when applying for a mortgage are listed below.

1. Decide how much you can afford before looking for a mortgage: It's critical to decide how much you can afford before shopping for a mortgage. To create a realistic budget for your house purchase, take a look at your income, expenses, and other financial commitments.

2. Knowing the various home loan kinds is important. These loans come in fixed-rate, adjustable-rate, and hybrid varieties. Before selecting a loan, it's crucial to understand the distinctions between each type of loan because each has advantages and cons of its own.

3. Verify your credit rating: Your qualifying for a house loan and the interest rate you will pay depend greatly on your credit score. Check your credit score before applying for a loan and, if required, take action to improve it.

4. Never accept the first home loan offer you are given: instead, shop around for the best offer. To discover the best offer for your requirements, shop around and evaluate interest rates, costs, and other terms and conditions.

5. Recognise the costs involved: There are a number of expenses associated with home loans, such as application fees, processing fees, and prepayment penalties. Before signing on the dotted line, be sure you are aware of all the costs.

6. Get pre-approved: By receiving pre-approval for a mortgage, you may focus your search and present a more compelling offer when you find the ideal house. Additionally, it helps you determine how much you can actually spend.

7. Before you sign a home loan contract, make sure you have read the fine print and are aware of all the terms and conditions. If something is unclear, ask questions.

8. Future-proof your loan: Making future plans is crucial when taking out a mortgage. When evaluating how much you can spend, take into account aspects like future bills, salary potential, and job security.

9. Pay your bills on time: Making on-time payments is essential to keeping your credit score high and avoiding late fees and other penalties. Set up automated payments or reminders to make certain you never neglect any payments.

10. Think about the long-term expenses: Property taxes, upkeep, and repairs are just a few of the long-term expenses associated with homeownership. When figuring out how much you can spend, be sure to account for these expenses.

Conclusion

A home loan is a large financial commitment that needs to be carefully planned for, budgeted for, and taken into account. You may make a successful home purchase by comprehending the many home loan options, verifying your credit score, looking about for the greatest offer, and budgeting for the long-term costs of owning. Making timely payments, reading the fine print, and getting pre-approved are also essential actions to follow to guarantee a smooth home loan transaction. In the end, getting a home loan can be a terrific method to fulfill your ambition of becoming a homeowner, but you should do so with prudence, information, and a well-thought-out strategy. You may make the greatest choice for your situation by adhering to the top ten things to know when accepting a home loan.

#home loan #real estate #real estate investment #buy and sell property #Home loan tips #tips for home loan #best site to sell property in delhi ncr #list your property free online

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sonalighosh23 · 1 year

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Investing in the stock market can be a great way to build wealth over the long-term, but choosing the right stock broker in India is essential to ensure that your investments are managed effectively. Here is a guide on how to find the best stock broker in India for long-term investment.

#customized investment online company in india #customized fund investment group #personalized investment portfolio #customized investment company #the best stock trading platform in india #best online share trading site in india #top trading platforms india #equity trading services in india #equity trading company india

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droolypupboy · 3 months

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tips for solo puppy play!!

pup play doesn’t have to be a partnered activity and solo play can be EXTREMELY fulfilling. you deserve to explore your headspace 🫶🫶 i have another post for more general tips for feeling more puppy, you can check that out here, a lot of things on there are ALSO applicable for solo pups.

warning, this is not for puppy regressors!! this is an nsfw post and probably not safe for u if you regress while online. stay safe, sfw puppies.

i would recommend checking out the above post if you want more details on the following: playing fetch alone, puppy snacks, & oral fixation!! all those things can help a LOT for solo pups but since i already went into so much detail previously, this post will have its own unique set of tips. i’m a puppy & i own a puppy sub so im super smart and you should listen 2 me!!!!

🐾 eating from a dog bowl can help a lot!! but even if that is inaccessible or not to your taste, you can just sit/lay on your tummy on the ground and eat small snacks from a plate. be careful of choking if you choose to lay!!

🐾 make little pup noises!! if you feel yourself going nonverbal and you’re in a place where you’re safe and comfy and have the time, lean into it. make little “hmph” noises when you’re confused, little squeaks when you’re excited, whine and pant, do all the things!! these can be used both sexually and nonsexually. it should come naturally if it’s gonna happen but there’s nothing wrong with doing it on purpose to get the ball rolling.

🐾 you can either invest in a large dog bed OR you can make a little nest of pillows and blankets.

🐾 being on all fours, sitting on the floor, & laying on your tummy are wonderful. inaccessible?? that’s okay!! these are enhancers, not necessities.

🐾 ALL you need for this is a bedroom and some random items. find some things (bad options are things like keys, lighters, phones, anything you use super frequently) to hide and go find again. the more space you have the better but even in smaller spaces, it can be VERY fun to lean into.

🐾 tilt your head in confusion, nudge and “paw” at things, nip and bite at things (safely, clean things, nothing that could hurt you or that you could choke on).

🐾 if you can afford it, invest in a knot style toy. it can help a lot in feeling like you’re small getting used by a bigger dog if that’s your thing. toys with suction cups are amazing too, the less you have to work, the better!!

🐾 do NOT be afraid to use pup centered asmr. it’s available on many many places but most accessibly, youtube & soundgasm through the site flaru. its not cringe, its not silly, it can be rlly good for the headspace. if you’re not sure if you’ll like it, give it a go!! why not??

🐾 invest in dog toys if you can!! make sure to clean them thoroughly before putting them in your mouth, stored r nasty, don’t use any that an actual dog has used only use fresh ones. if you can’t do that, chewelry, largely available on etsy and marketed for sensory issues (which yes, it does work for as well) is a really nice & discreet option.

🐾 go to town if you have a PRIVATE back yard!! run around!! have the zoomies!! chase toys (do not put them in your mouth if you’re playing outside)!! just have a good time.

🐾 press your nose against the window and watch the birds & squirrels & any other animals outside!!

🐾 overstimulation!! it’s rlly good, lose yourself, don’t stop until you can’t take it anymore. silly pups need to get fucked stupid.

🐾 slobber on toys (of the sfw AND nsfw variety), suck your fingers, get messy eating a popsicle or something similar. spit can be VERY puppy if you can handle the mess

that’s all for now, silly pups!! have fun, play safe, be kind to yourself, and remember that all of us puppies are different and unique. what makes one person feel puppy might not make the next person feel puppy. figure out what works for YOU. being puppy is an independent journey 🐕🦴🐾🎾

#nsft puppy #petpl4y #petpl@y #t4t nsft #mlm nsft #bd/sm pet #mlm petpl@y #t4t mlm #ftm nsft #ftm puppy #mlm puppy #t4t puppy #bd/sm puppy #puppy sub #dumb puppy #puppyboy #puppypl4y #t4t petpl@y #bd/sm kink

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sweet-as-an-angel · 1 year

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MW2 Reaction to You Having an OnlyFans

Warnings: 18+, Non-Explicit Implied Sexual Content, Implied Sexual Imagery, Territorial MW2 👀, Possessive MW2 👀👀, MW2 having a Crush on Reader, Petnames, Profanity, No Pronouns used for Reader except ‘You’.

Ghost

Initially, he was in disbelief.

Denial, even.

But when you accidentally sent him a link to your OnlyFans instead of a link to the website of the restaurant you were visiting, Simon’s heart almost stopped.

You deleted the link immediately after, but it was too late.

The tab was already open on his browser.

Despite his agility and lightning reflexes, this situation is not one he’s going to be able to bounce back from quickly.

Will just stare at his phone for a minute or so before eventually starting to understand that yes, you did just send him evidence of your goings-on online.

And yes, you had just confirmed that you made intimate images of yourself accessible to whoever wanted them, though for a hefty fee.

You know your worth; you charge above average.

For days afterwards, the idea of you compromising yourself haunts him.

He doesn’t condemn you for your actions. Far from it !

He’s just surprised he hadn’t found out sooner. That he’d failed to read you well enough to know that this is what you did for work.

And, trying to justify to himself that it’s ‘just out of curiosity’ and ‘a need to confirm that it is actually you’ who is featured on the account, Simon buys a subscription.

He’s glad he waited a while since the appearance of a new subscription days after the incident is much less suspicious than receiving one right after.

Let’s just say, whatever morbid fancy Simon had before seeing your work transformed into a ravenous appetite after he’d seen what you had to offer.

Can’t see you the same way afterwards. But in the best way possible.

When he looks at you, he feels like he knows a secret.

Sure, he does feel creepy when you look at him, not knowing that he’s beaten himself off to videos and pictures of you approximately eight times that week.

But he tries to justify it. Again.

He’s supporting your business, he’s being a good friend (he winces when the word passes him by like a phantom), he’s…

He’s absolutely eneamoured with the way you look.

And the fact that he knows you personally – that he can (and has) heard you call his name – makes whatever little fantasy you’re acting out feel that much more real.

His favourite image of you is one where you have your arms bound above your head.

He always finds himself coming back to it.

Until one day he realises…How are you tying those ropes by yourself ?!

It’s impossible. Simon knows because he’s tried it on himself (don’t ask). So now he’s faced with the burning question of: Who is helping you with these shoots ?

And why isn’t it him ?!

König

Didn’t realise what he’d stumbled upon at first.

One minute, he was checking your socials to see how you were doing while he was away.

The next, he was at a sign-up page for something he’d never heard about.

The fact that it asked for his bank details left him somewhat suspicious, but your endorsement of the site – your claim of it being ‘The best investment of your life <3’ eased him into a false sense of security.

Oh, how König condemned his trusting nature.

Past the paywall, König didn’t know what to expect.

Whatever he could have dreamt of, he never expected it to be…this.

You in the most indecent images he’d ever seen.

Yes, König did scream when he realised what he was seeing. Yes, he did close the tab out of sheer panic.

After a minute, then two, he found the ability to breathe again.

His phone quivered in his hand, his grip a python about its glass neck.

Sighing shakily, König dared to unlock his phone.

Swallowing thickly, he approached the OnlyFans tab.

Opening it, he gasped, your likeness filling his screen and his mind once again.

“Oh, (Y/N),” he said, nobody else about to hear him save for himself. “What have you done ?”

After the aftershock fizzled out, König’s cheeks warmed.

Though, whether of anger, disappointment, or something else, he could not be sure.

He’d enjoyed thinking of the two of you as more than friends. For a while now, too.

And you hadn’t helped: not with how you took to his lap as if it were your throne, how you’d bend and hit him at just the right angle when he was behind you, reaching up for something.

Not with how you clung to him and whined his name at night when you slept over, always a doe-eyed look accompanying whatever minimal favour you were about to ask of him.

So to see you capitalise on yourself like this before he’d ever even seen your bare torso made him…

Territorial.

“I can’t let you get away with this, Engel,” he promised. Your smiling face was oblivious to his threat.

He palmed the bulge in his pants, his grip on his phone tightening.

“One way or another,” he found himself smiling. “You will be mine.”

Soap

Buys a subscription immediately.

He genuinely only did it as a joke to embarrass you. At first.

A rather expensive joke, mind you.

He almost choked on his energy drink when he saw your lowest monthly rate.

Whatever.

He bought it.

And his mind promptly went blank.

When seeing a friend in a compromising position, one typically tends to look away, either out of respect or embarrassment.

Soap didn’t.

He couldn’t.

He just stared at the image of you with your legs spread and your face the image of viscous lust.

Only after every pixel of that image was burned into his memory could Johnny look down.

And there, between his legs, sat a growing, pulsing, aching problem.

One which he had been vaguely aware of yet entirely unwilling to accept.

Every time your likeness throbbed in his mind, he felt himself twitch.

He sighed, his hand a resting place for his face as a dark dawn of realisation washed over him.

For what was unlikely the first time, Soap dealt with himself to the image of you, a euphoria he’d never known before shooting through him now he had you to look upon in such delicious detail.

At first, guilt impeded him, strangled his chest, propelling the likelihood of you walking through his door at any minute and catching him like this.

But all caution threw itself to the wind as the promise of release clouded his judgement.

“Besides,” he told himself. “You let other guys do this. So why not me ?”

After he finished, post-nut clarity settling over him, Johnny couldn’t help but feel dirty.

Getting off to the image of his best friend in such gruesome detail while they were completely unaware…

Sure, he’d done it before, but the fantasies had been vague enough for Soap to evade guilt.

Until now.

But, even so, with the weight of his actions on his shoulders, Johnny couldn’t bring himself to loathe his actions.

Not when you made yourself up so pretty for him.

Something tells him that this won’t be the last time he visits your page.

Valeria

This woman is already possessive to the max, so to see you posting content of yourself at your most intimate angles is nothing short of infuriating.

Regardless of whether you’re hers yet or not (you already belong to her, Valeria just doesn’t have the official title of ‘girlfriend’ yet), she will have something to say about your page.

Of course, she’s upset. Angry doesn’t even begin to cover it.

But more than anything, she’s…

Hurt.

Hurt that you never told her about your little account. Hurt that you didn’t trust her enough to let her know that this is what you did for work.

You weren’t obligated to, but where Valeria is concerned, there is no excuse.

Will drive up to your house in the dead of night and interrogate you.

And when she’s got you crying and shaking and apologising for having a career, she consoles you.

“I’m not angry,” she says, her arms crossed over her chest. Her eyes are hard; black pearls. “Just disappointed.”

Female manipulator 100%.

She’ll tease you every now and then because of your account, nothing but playful banter (as she calls it). But you can tell there’s venom to her words.

Especially when she refuses to let you pursue it as a career anymore.

“Your body is for me to see alone, Mi Amor.”

Price

This DILF may not know how technology works, but he does know that he likes what he sees when a grotesque little picture of you floods his screen.

Don’t ask how he got here; that’s not important.

What is important is how full of you his mind is both during and after the initial discovery of your OnlyFans.

All he can think about as he’s scrolling through your portfolio is how devilishly sly you’ve been as to keep such an impressive career a secret from him of all people.

Like some kind of secret.

He’ll definitely tease you about it – drop eerily familiar turns of phrase into conversation with you, ones which you’d used on the captions of your pictures.

Calls you things which you refer to yourself as online: “Prince/Princess”, “Puppy/Kitty”, an extremely specific nickname that you’re certain you’ve never mentioned around him before.

He just loves watching you squirm under the false scrutiny in his eyes as you question yourself as to whether he’s found you out.

Little do you know that he’s your most generous benefactor, tipping you most ardently on your posts where the angle of the camera gives him a glimpse of what lays beneath the thin layers of your robe.

Comments something like ‘Fucking beautiful, Love. Keep up the good work for Daddy x’

And, when he’s ready to let you know that, yes, he has been following you for months, he’ll repeat that same sentence as his mouth is to your ear, his head just over your shoulder, as he guides your hands as he teaches you how to defend yourself.

And the feeling of your body stiffening, stepping back into him in disbelief and rubbing him just right is enough to send him over the edge, his breath shuttering, his hips pressing into yours.

Horangi

Despite the disciplinary values the military taught Horangi, nothing can restrain the sheer carnality brewing in his lower half as the video of you bent over a desk, an unknown antagonist taking you from behind filled his computer screen.

If it weren’t for your breathy, whining moans, your glassy eyes and the overwhelming fact that the person I like most is literally on full display in front of me, Horangi may have been mad enough to question who was railing you right now.

That, and why did one of his associates have a subscription to your OnlyFans ?

Better yet – since when did you have an OnlyFans ???

So many questions, and Horangi can’t focus on any of them.

His first instinct is to close the tab – to preserve your privacy, your dignity

But…something stops him.

Call it logic. Call it a sick need to fulfil his own desires, but Horangi stops just short of exiting the tab.

You’re putting this online with only a paywall to separate you from the common man. So why should he feel guilty for seeing it ?

Long story short, Horangi’s shame dies, and there is little that can resurrect it or stop what’s coming next.

For the rest of his mission, his mind drifts back to you – in that position – more often than he’d like it to.

Granted, his mind had wandered to such places long before now, but he’d never had anything so visual to fuel his fantasies save for a time or two when you bent over and your underwear peeked out from beneath your shirt whenever you slept over.

When he gets home – his long-awaited reprieve – he purchases his very own subscription to this newly-found slice of Heaven.

And he gives no indication that he knows of your activities, instead waiting for the day that you ask him for his help in filming your latest masterpiece.

Alejandro

He may not look like it, but Alejandro is lowkey an internet sleuth.

I’m talking, you mention a YouTube video you watched once when you were younger that’s since been removed, based off a blurry thumbnail and Alejandro will finish your sentence like: “Oh, the one with that cat who steps on that leaf and jumps up its owner’s leg,”

So, finding your OnlyFans account isn’t exactly detective work for him when, after an outing with the boys™, he sees you get particularly jumpy when you pull out your phone.

Through the process of elimination, Alejandro concludes that you’re pursuing a more adult career.

And since he follows all your socials, he knows what your handle is likely to be.

And when he finds you in some rather compromising positions on your beloved little app, he can’t help but crack a smile.

“My, my, mi Corazon…What have you been up to ?”

He takes a leisurely stroll through your portfolio, makes a note of some noteworthy posts. Then, he makes a decision. An investment.

He purchases a subscription.

Sure, he could feel guilty about doing so – feel ashamed of his deep-rooted desire to see someone he’s seen as more than a friend exposed in ways he’s only dreamed of so far.

But he takes comfort in the fact that he’s admiring your artistry for what it is; hard work, dedication, and beauty.

Yeah, he still gets off to the stuff you post, but unlike the basement-dwellers who’ll pop a shot to a lewd picture of you and then go upstairs for their dino nuggies and their off-brand energy drink, Alejandro takes time, care, to really analyse your work – to see the colours you’ve used, the camera angles.

And to try and capture even a reflection of the guy who seems to “help” you in your productions.

Rodolfo

Screamed out loud the first time he caught sight of your page, which was open on Alejandro’s phone.

To be honest, he was too dazed by the risque picture of you in a very frail-looking swimsuit to consider the implications of Alejandro having access to your OnlyFans.

At first, he did the only thing he could think of – the gentlemanly thing to do.

Which was to look away; to grant you your privacy and pretend he’d seen nothing.

At first.

Rudy managed to make it a whole 24 hours before, after fighting a losing battle of wills with himself (one which he put little fight into the longer that image of you stewed in his mind), he found himself on your page. Again.

Shamefully, one might add.

And, much to his chagrin, he didn’t hate it.

Nor did it satiate his growing hunger for you.

And, considering how he already liked you well before making this discovery, Rudy is…conflicted, to say the least.

On one hand, you’re letting whoever has an internet connection and a bank card see you in ways that, even in his wildest imagination, Rudy never had.

Conversely, you’re letting whoever has an internet connection and a bank card see you in ways that, until now, Rudy never had.

Two sides of the same coin. Identical outcomes. It just all rested on how Rudy wanted to view the situation; as a hurdle, or an advantage.

A loyal follower of two months now, his evenings spent worshipping the visage of you in what one could barely consider clothing, Rodolfo chose the latter.

And you have no idea. And Rudy is going to keep it that way until he feels you’re ready to learn that your top contributor is the man who’s sat beside you right this second as you stay at his house for a sleepover; one upon which you rest your head and listen to the deceptively steady beating of his heart.

Graves

Not that he would admit it, but he felt somewhat offended the first time he found out about your OnlyFans account.

Bruised his ego considerably ☹️

He took your self-sufficiency personally.

Did you not believe he could provide for you ? Is that why you turned to…adult practices ?

He sulked about it for a little while – about a day or two – before the fact that the person he’d been – dare he say it – crushing on for the last few months had an ONLYFANS ACCOUNT.

Needless to say, he hopped right back on his computer and got to buying your most elite subscription available.

Yeah, perhaps the idea that a couple thousand or so other weirdos were ooglign your body aside from himself bothered him. But he wasn’t exactly whiter than white himself, so he dropped the subject (with himself).

However, his jealous tendencies do lead him to some rather unorthodox places.

Has genuinely, seriously considered acquiring OnlyFans to try and get you scrubbed off the platform.

His accountant managed to (eventually) convince him otherwise after drilling it through his skull “How questionable this would look on your company record, Sir.”

And then, obviously, Graves decided to just try and buy the internet.

Bless him, he may be a CEO, but he isn’t a boyboss. Or tech-savvy.

Regardless, he eventually cools off and actually sees this situation as playing to his advantage.

He could already feel the cogs in his turning as he realised that you didn’t know he’d seen your account, nevermind contributed to it.

And thus began Philly’s plan to make you so financially dependent on him through anonymous donations and financial contributions. A hostile takeover, as it’s known in the trade.

Gaz

Since he is both the youngest and the most tech-savvy of the 141, he knows what he’s doing.

He’d heard a whisper while traversing your socials that you owned a fabled OnlyFans account.

And, like the good friend he was, instead of embarrassing you and asking you directly, he went on the hunt for it himself.

Okay, maybe he didn’t do this without your knowledge out of pure chivalry – rather a need to see if there was a possibility that, yes, you posted yourself online for money.

And, perhaps, a need to see if he can get his hands on some of those images himself…

Eventually, ever the internet sleuth he is, Gaz found your account.

And boy, did he underestimate what he thought he’d find.

“Jesus, (Y/N)...What have you been doing ?”

But that isn’t to say he didn’t like it.

On the contrary; he couldn’t help but feel drawn to it.

Especially when, in one of the pictures, he saw you drenched in a shirt of his he’d lent to you months ago. One which he still hadn’t gotten back.

He doesn’t pester you about it anymore. Even jokingly.

Though, he is somewhat envious that his shirt gets to be that close to you, especially in those conditions.

That, and…

Wait, who’s taking these pictures ?!

Not that you’d know this, but, his chest alight with the need to identify this mystery victor, those dark rings under Gaz’s eyes when you meet for lunch the next day are for you.

“Gaz, Sweetie, did you get into a fight or something ?”

And Gaz can’t bear to tell you how much an effect the jealousy you’d inadvertently inflicted on him has had on his psyche – had on his sleep schedule as he burnt through the night trawling every image and video of you for any identifying feature of your work partner.

As evidenced by the crusted tissues piling up in the bin beside his desk, to dry his tears and…other fluids.

Reblog for more content like this! It helps creators like myself tremendously and it is greatly appreciated :-)

Masterlist Masterlist [Continued] Masterpost Modern Warfare AI Masterlist

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monetizationpolicydotcom · 2 years

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make money online in nigeria 2023?

#make money online in nigeria #Make Money #make money without a job #Make money online in Nigeria without investment #Sites to make money online in Nigeria #How can I make money online in Nigeria with my phone #How to make money online in Nigeria by watching videos #Apps to make money online in Nigeria #Skills to learn to make money online in Nigeria #Make money online in Nigeria 2022 #How to make money online in Nigeria as a student #How to make money online in Nigeria as a student 2021

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incomefromonlinesources · 2 years

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The Top 5 Online Earning Methods for 2022

Almost anything is accessible with an internet connection, regardless of location or device. If you're seeking for quick money-making opportunities, have a peek at our top suggestions:

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financialoptions113 · 2 years

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Atlas-za.net Review | Is Atlas-za.net Legit Or Scam? Be Careful!!

Making money online is getting more interesting as new passive income sites comes up with new mind-blowing ideas on how to make money online. A good thing if you ask me, but not every one of these sites are trustworthy. Well, today, I’m going to be talking about a new South African money making site ‘atlas-za.net‘. Many of us may have heard of this platform on social media as it is very popular…

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erika-xero · 1 year

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Beware, the long post incoming. Pro tips for artists who work on commissions!

DISCLAIMER: I do not have, like, a HUGE online following and can’t be called a popular or viral artist, but I do have some experience and I’ve been working as a freelance artist for more that five years, so I could share a few tips on how to work with clients with my fellow artists. Scroll down for the short summary!

First of all, you always need to have your Terms of Service written down in a document that is accessible for your potential clients. And by terms of service I don’t mean a set of rules like “I don’t draw mecha, anthro and N/S/F/W”. There is much more into it, than you may think when you first start drawing commissions.

You’ll need to understand how copyright law/author’s rights in your country works (for example, US copyright or Russian author’s rights, be sure to check your local resources). There are a bunch of sites where you can actually read some legal documents (. I know it might be boring, but TRUST me, you WILL need this knowledge if you choose this career path.

Russia, for example, is plagued with shops selling anime merchandise. The merchandise is usually printed somewhere in the basement of the shop and the shop owners literally rip off other people’s intellectual property. If the artist ask them to remove their IP from the shop the owners usually try to fool them with lies about how the IP works. They will tell you, that you have to register copyright on every single drawing and if you don’t do it anyone can reproduce and sell your artwork. In reality, copyright law in most countries simply doesn’t work this way. Once you create an original work and fix it, take a photograph, write a song or blog entry, paint an artwork, you already are the author and the owner. Yes, there are certain procedures of copyright registration, which is only a step to enhance the protection, but you become an author the very moment you create a piece of art, and no one have a right to take your creation from you. Knowing your rights is essential.

Some of your commissioners may try to scam you too, but most of them might simply not be aware of how copyright law works. I literally had people asking me questions whether or not the character I am commissioned to draw becomes MY intellectual property. I literally had to convince the person (who was legit scared, since the commissioned piece was going to be a first image of his character ever created) otherwise. If you have an idea of the character written down or fixed in any other form such as a collage, a sketch, or a concept art -- the character is yours. Artist may have rights to the image they create, but not the character itself. Your potential commissioner must acknowledge that their characters, settings and etc. is still theirs, while your artwork is yours, if your contract doesn’t state otherwise. You can sell the property rights on your artwork to your commissioner if you want, but it is unnecessary for non-commercial commissions. And I strongly advice you to distinguish the non-commercial commissions from commercial ones and set the different pricing for them. Even if you sell ownership of your artwork to your commissioner, you can not sell the authorship. You will always remain an author of your artwork, thus you still have all the author’s rights stated in the legal documents.

Another thing that is absolutely necessary to be stated in your terms of service is information whether (and when) it is possible to get a refund from you. You absolutely have to write it down: no. refunds. for finished. artworks.

You have already invested time and effort to finish an artwork. The job is done and the money is yours. I’ve heard stories of commissioners demanding refund a few months later after the commission was finished and approved by the commissioners, because, quote “I do not want it anymore”. Commissioning an artist doesn’t work this way, artwork is not an item purchased on shein or aliexpress that can be sent back to the seller. It is not a mass production. It is a unique piece of art. Example: My friend once drew a non-commercial commission for a client who tried to use it commercially later on. She contacted him and reminded of the Terms of Service he agreed with, offering him to pay a fee for commercializing the piece instead of taking him to the court or starting a drama. He declined and suddenly demanded a full refund for that commission via Paypal services. My friend contacted the supports and showed them the entire correspondence with that client. She also stated that the invoice he paid included a link to the Terms and Service he had to agree with if he pays that invoid. The money were returned to her.

However, partial refund can be possible at the certain stage of work. For example, the sketch is done, but something goes horribly wrong. Either the client appeared to be a toxic person, or an artist does not have a required skill to finish the job. I suggest you keep the money for the sketch, but refund the rest of the sum. It might be 50/50 like I suggested to my clients before (when I still could work with Paypal), but it really depends on your choise. I suggest not doing a full refund though for many reasons: not only you make yourself vulnerable, but you also might normalize a practice harmful to other artists this way.

The main reason why full refund when the sketch/line-art are done must not be an option is that some clients may commission other artists with lower prices to finish the job. This brings us to the next important point: you absolutely need to forbid your clients from altering, coloring or overpainting your creation or commission other artists to do so. This also protects your artwork from being cropped, changed with Instagram filters or even being edited into a N/S/F/W image. Speaking of which. If you create adult content, you absolutely need to state that to request such a commission, your commissioner must at least be 18/21 years old (depending on your country). And as for the SFW commissions you also have to state that if someone underage commissions an artwork from you it is automatically supposed that they have a parental concern.

There is also a popular way to scam artist via some payment systems, called I-did-not-receive-a-package. Most of the payment systems automatically suppose that you sell goods which have to be physically delivered via postal services. This is why it is important to state (both in the Terms of Service and the payment invoice itself) that what commissioner is about to receive is a digital good.

And the last, but not the least: don’t forget about alterations and changes the commissioner might want to make on the way. Some people do not understand how difficult it may be to make a major change in the artwork when it is almost finished. Always let your commissioners know that all the major changes are only acceptable at early stages: sketch, line-art, basic coloring. Later on, it is only possible to make the minor ones. I prefer to give my commissioner’s this info in private emails along with the WIPs I send, but you can totally state it in your Terms of Service. I do not limit the changes to five or three per commission, but I really do appreciate it when I get all the necessary feedback in time.

To sum this post up, the info essential for your Terms of Service doc is:

- The information on whether or not your commissions are commercial or non-commercial. If they are non-commercial, is there a way to commercialize them? At what cost?

- The information on author’s and commissioner’s rights;

- The information on whether (and when) refunds are possible;

- The prohibition of coloring, cropping, overpainting and other alterations;

- The information on whether or not you provide the commissioner with some physical goods or with digital goods only;

- Don’t forget about your commissioner’s age! If you work with client who is a minor, a parental consern is required. And no n/s/f/w for underage people!

- You may also want to include that you can refuse to work on the commission without explanation in case you encounter a toxic client or feel like it might be some sort of scam.

- I also strongly suggest you work with prepay, either full or 50% of total sum, it usually scares off the scammers. I take my prepay after me and my client agree on a rough doodle of an overall composition.

- I also include the black list of the themes: everyting offensive imaginable (sexism, homophobia, transfobia, racism, for N/S/F/W artists it also might be some certain fetishes and etc). Keep your reputation clean!

- Ban N/F/T and blacklist the commissioners who turn your artworks into them anywayss, don’t be shy <3

These are the things that are absolutely necessary but are so rarely seen in artists’ Terms of Service that it makes me sad. Some of these tips really helped me to avoid scams and misunderstandings. I really hope it helps you all!

#artist's terms of service #terms of service #tips for artists #useful info #useful for artists #art #artist #artworks #artists for hire

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