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wanderingcas · 8 months

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title: where there is darkness pairing: dean/cas tags: historical au, angst with a happy ending, slow burn, h/c

Maine, 1951: When Castiel Milton takes a job to be the new assistant keeper at Whaleback Lighthouse, he expects to live out his new life in quiet isolation away from civilization. What he gets instead is Dean Winchester: bitter, brash, and, like Castiel, harboring a dark secret. As the spark of attraction between them grows into a flame, the lighthouse walls start closing in—as do the ghosts of Dean and Castiel's checkered pasts.

Chapter 3 (in which Dean and Cas continue to butt heads, and some clues about Cas's past are revealed)

tag list - lemme know if you want to be added/removed

@munchablemusic @markofcastiel @jimmycoded @kat-the-hobbit @uhoh-spn @angelinthefire @bloodydeanwinchester @umijustwantedtoreturnthis @green-eyes-and-classic-rock @halevetica @pixiedustandbluebutterflies @angelcasendgame @im-some-lionheart @connorlikesshows @galacticmermaid @agreyrose @plutoisaplanetfightmebro @myst-of-oblivion @cassierobinsons @deanwinchesterapologia @rad-bitch-sad-bitch @isaurariv @pinkmondaysworld @spittingpagan @naughtystiel @michaelwitha @supernatastic101 @youarethedancingdean @milfdeanwinchester @afeelingsosweet @nsilvers-personal-treasury @doctorprofessorsong @shallowseeker @ladystardust @happilyfeatherafter @here-for-thee-gay-shit @justaskmetostay @empires-and-angels @little-pies @ferahal @dreamsoverflow @rikiricebackup @jensenackhles @justafictionlover @kidnapingallthepossums @tboydean @saulvede @ialwayscomewhenyoucall @spn-fangirl @thembo-cowboy

#destiel #wtidspn #loved writing the dean/cas banter in this one specifically #this week if you signal boost this you get 5 points on your credit score #how can i control that you ask?? well. find out #hope you all enjoy the chapter!!

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luxurypropertiesworld · 3 months

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How to Improve Your CIBIL Score?

In today's financial landscape, your credit score plays a pivotal role in determining your eligibility for loans, credit cards, and even job opportunities. One of the widely used credit scores in India is the CIBIL score, a three-digit numerical representation of your creditworthiness. Understanding how to improve your CIBIL score is crucial for unlocking various financial opportunities and ensuring a secure financial future.

Understanding the Components of a CIBIL Score

Your CIBIL score is calculated based on several factors, including your payment history, credit utilization, length of credit history, types of credit in use, and recent credit inquiries. Each component holds a different weightage in determining your overall score. It's essential to comprehend these factors to strategize effectively for score improvement.

Checking Your Current CIBIL Score

Regularly checking your CIBIL score is a proactive step towards financial well-being. Numerous online platforms offer access to your credit report and score. Keeping a close eye on your score allows you to identify any discrepancies and take corrective measures promptly.

Identifying Factors Affecting Your CIBIL Score Negatively

Understanding the common factors that negatively impact your CIBIL score is the first step towards improvement. Late payments, high credit card balances, closing old credit accounts, and frequent credit applications are potential red flags. Addressing these issues head-on is crucial for positive changes.

Creating a Plan to Improve Your CIBIL Score

Crafting a practical plan to enhance your CIBIL score involves adopting good financial habits. Prioritize paying bills on time, reduce credit card balances, maintain a diverse mix of credit types, and avoid unnecessary credit inquiries. Consistent efforts in these areas contribute to a steady improvement in your score.

Debt Consolidation as a Strategy

For individuals juggling multiple debts, debt consolidation can be a viable strategy. Combining various debts into one manageable payment can simplify financial obligations. However, it's essential to weigh the pros and cons, considering the potential impact on your CIBIL score.

Secured vs. Unsecured Loans

Understanding the difference between secured and unsecured loans is crucial when considering credit options. Each type has its advantages and drawbacks. Choosing the right loan type for your situation can positively influence your credit standing.

Negotiating with Creditors

In times of financial strain, negotiating with creditors can be an effective solution. Discussing alternative payment terms and seeking options to avoid defaulting on payments demonstrates responsibility and can mitigate negative consequences on your CIBIL score.

Building a Positive Credit History

Building a positive credit history involves strategic steps, such as opening a secured credit card and being cautious with new credit accounts. These actions contribute positively to your credit profile and demonstrate responsible financial behaviour.

Seeking Professional Help

For individuals facing complex financial situations, seeking professional help is a wise decision. Consulting a financial advisor or reaching out to credit counselling agencies can provide personalized guidance and assistance in navigating credit challenges.

Rechecking Your CIBIL Score After Improvements

Improving your CIBIL score is a gradual process that requires patience. Regularly rechecking your score allows you to track progress and celebrate small victories along the way.

Addressing Common Misconceptions About CIBIL Scores

In the world of credit scores, misconceptions abound. It's essential to separate myths from facts to avoid unnecessary concerns and focus on actionable steps towards improvement.

Impact of CIBIL Score on Financial Opportunities

The significance of a good CIBIL score extends beyond loan approvals. It affects interest rates, credit card eligibility, and even employment background checks. A positive score opens up diverse financial opportunities.

Maintaining a Healthy Financial Lifestyle

Beyond score improvement, maintaining a healthy financial lifestyle is essential. Regularly reviewing your financial situation and making informed decisions contribute to long-term financial well-being.

Conclusion

Improving your CIBIL score is a journey that requires dedication and strategic planning. By understanding the factors influencing your score and taking proactive steps to address them, you pave the way for a secure financial future. Remember, small changes lead to significant improvements over time.

#credit report #old debt cards #new credit cards #credit prudently #credit utilization #healthy credit mix #Boost your credit limit #creditworthiness #financial opportunities #CIBIL score

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elitecreditboost · 9 months

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Report On Credit by Elite Credit Boost

Hey everyone! 💬 Just finished reading the latest report on credit by Elite Credit Boost, and I must say, it's a game-changer! 🌟

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🔄 The report breaks down complex credit jargon into easy-to-understand language. It's perfect for those who find credit scores confusing (like I did!). 😅

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🙌 Elite Credit Boost for empowering individuals to take charge of their financial future. Knowledge is power, and this report is full of it! 📚💪

If you're serious about improving your credit, I highly recommend checking out Elite Credit Boost's report. Trust me, you won't be disappointed! 🤝

#report on credit #credit repair services #declaring bankruptcy #best way to boost credit score #quick ways to boost credit score #check your fico score #credit report with fico score #best fico score possible #best inquiry removal service #top three credit bureaus #apply for student loan

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motherbloggerandwriter · 1 year

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Finances 101: 3 Ways to Fix Your Credit

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#Benefits of building a stocks profile #boost your credit #disputes or marks on your credit #evaluate your credit #Financing 101: 3 Ways to Fix Your Credit #fix your credit #fix your credit score #fix your credit without hurting your checkbook #get a copy of your credit report #huge increase in your credit #increase in your credit in a short time #paying off your creditors a little bit at a time #someone stole your identity #starting to repair your credit #Take time to look over your bills #Use Experian Booster

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anakeb · 2 years

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Fastest Way to Fix Credit Score: The Most Important Things to Understand When Trying to Fix Credit

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#how to increase your credit score #how to improve credit score #credit score #how to fix bad credit #how to build credit #credit score increase #how to increase your credit score fast #how to build your credit score fast #how to improve your credit score #credit score to buy a house #improve credit score #increase credit score #credit repair #boost credit score #how to get a better credit score #how to fix your credit score fast #credit score tips

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credit-repair-fast-track · 2 years

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#Free Guide Reveals #5 TIPS TO QUICKLY IMPROVE YOUR CREDIT SCORE!#DOWNLOAD YOUR FREE GUIDE NOW #In This Free Guide You'll Discover:#Little known strategies to instantly increase your credit score #My secret insider tip to boost your score by 50-100 points #How to increase your credit score in as little as 30 days #CLICK HERE TO GET THIS FREE BOOK https://creditrepairfasttrack.com/guide

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reasonsforhope · 19 days

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Flint, Michigan, has one of the [United States]'s highest rates of child poverty — something that got a lot of attention during the city's lead water crisis a decade ago. And a pediatrician who helped expose that lead problem has now launched a first-of-its-kind move to tackle poverty: giving every new mother $7,500 in cash aid over a year.

A baby's first year is crucial for development. It's also a time of peak poverty.

Flint's new cash transfer program, Rx Kids, starts during pregnancy. The first payment is $1,500 to encourage prenatal care. After delivery, mothers will get $500 a month over the baby's first year.

"What happens in that first year of life can really portend your entire life course trajectory. Your brain literally doubles in size in the first 12 months," says Hanna-Attisha, who's also a public health professor at Michigan State University.

A baby's birth is also a peak time for poverty. Being pregnant can force women to cut back hours or even lose a job. Then comes the double whammy cost of child care.

Research has found that stress from childhood poverty can harm a person's physical and mental health, brain development and performance in school. Infants and toddlers are more likely than older children to be put into foster care, for reasons that advocates say conflate neglect with poverty.

In Flint, where the child poverty rate is more than 50%, Hanna-Attisha says new moms are in a bind. "We just had a baby miss their 4-day-old appointment because mom had to go back to work at four days," she says...

Benefits of Cash Aid

Studies have found such payments reduce financial hardship and food insecurity and improve mental and physical health for both mothers and children.

The U.S. got a short-lived taste of that in 2021. Congress temporarily expanded the child tax credit, boosting payments and also sending them to the poorest families who had been excluded because they didn't make enough to qualify for the credit. Research found that families mostly spent the money on basic needs. The bigger tax credit improved families' finances and briefly cut the country's child poverty rate nearly in half.

"We saw food hardship dropped to the lowest level ever," Shaefer says. "And we saw credit scores actually go to the highest that they'd ever been in at the end of 2021."

Critics worried that the expanded credit would lead people to work less, but there was little evidence of that. Some said they used the extra money for child care so they could go to work.

As cash assistance in Flint ramps up, Shaefer will be tracking not just its impact on financial well-being, but how it affects the roughly 1,200 babies born in the city each year.

"We're going to see if expectant moms route into prenatal care earlier," he says. "Are they able to go more? And then we'll be able to look at birth outcomes," including birth weight and neonatal intensive care unit (NICU) admissions.

Since the pandemic, dozens of cash aid pilots have popped up across the nation. But unlike them, Rx Kids is not limited to lower-income households. It's universal, which means every new mom will get the same amount of money. "You pit people against each other when you draw that line in the sand and say, 'You don't need this, and you do,' " Shaefer says. It can also stigmatize families who get the aid, he says, as happened with traditional welfare...

So far, there's more than $43 million to keep the program going for three years. Funders include foundations, health insurance companies and the state of Michigan, which allocated a small part of its federal cash aid, known as Temporary Assistance for Needy Families.

Money can buy more time for bonding with a baby

Alana Turner can't believe her luck with Flint's new cash benefits. "I was just shocked because of the timing of it all," she says.

Turner is due soon with her second child, a girl. She lives with her aunt and her 4-year-old son, Ace. After he was born, her car broke down and she was seriously cash-strapped, negotiating over bill payments. This time, she hopes she won't have to choose between basic needs.

"Like, I shouldn't have to think about choosing between are the lights going to be on or am I going to make sure the car brakes are good," she says...

But since she'll be getting an unexpected $7,500 over the next year, Turner has a new goal. With her first child, she was back on the job in less than six weeks. Now, she hopes she'll be able to slow down and spend more time with her daughter.

"I don't want to sacrifice the time with my newborn like I had to for my son, if I don't have to," she says."

-via NPR, March 12, 2024

#united states #flint michigan #michigan #cash aid #basic income #poverty #poverty relief #child poverty #mothers #pregnancy #prenatalcare #healthcare #healthcare access #public health #child development #good news #hope

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brightmoneyco · 2 years

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How does Bright boost my credit score?

How does Bright boost my credit score? With Bright, you can boost your credit score while paying off your cards.

How to get started Once you download the Bright app, we’ll help connect your cards and checking account to Bright. It usually only takes a couple clicks.

Always on-time payments Better credit utilization Free overdraft protection Choose your method Add Bright Credit Builder Use Bright Balance Transfer You’re always in the loop Build more savings, too How much does Bright cost? Bright starts with a free 10-day trial, and we offer three membership plans: $6.99/month paid annually, $8.99/month paid semi-annually or $14.99/month when you pay month by month. learn more

#Always on-time payments #Better credit utilization #Free overdraft protection #Choose your method #Add Bright Credit Builder #Use Bright Balance Transfer #You’re always in the loop #Build more savings #too #How does Bright boost my credit score

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honeytonedhottie · 2 months

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how to get good grades (without excessive studying)⋆.ೃ࿔*:･📄

its rly easy to get a good grade in a class without doing a lot of studying or getting perfect scores on tests and exams. not to say that studying doesn't help get you good grades, but there are alternative ways to get a good grade in a class.

do the extra credit

even if u dont need it right at this moment, a little boost is always helpful, bcuz who doesn't want extra credit?

do the homework

most of ur grade comes from homework/classwork so DO THE HOMEWORK. also, doing homework is BASICALLY studying. if u have trouble keeping up with/submitting assignments use a planner so that then u can stay on top of ur assignments.

project = easy test grade

if ur not a good test taker, take advantage of projects and do ur best to get good scores on the projects bcuz thats an easy test grade.

back to the planner concept

in your planner, write out the assignments that you MUST do in chronological order, meaning the assignment thats due the soonest is the one that u should do NOW. if it helps, color coordinate based on the most urgent assignments -> assignments where u have a bit of leeway

assignments with leeway

get the assignments with leeway out of the way so that then u dont have to deal with it later. when u do an assignment early, reward yourself for it so that then you'll wanna do it more.

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askmerriauthor · 9 months

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regarding pokemon sleep, it looks like you’re just looking for things to complain about. it’s designed to be this chill thing you check on during the day and leave running at night. to play it, all you have to do is sleep and feed your pokemon. no one’s telling you you to have to be the very best at it or pressuring you into paying for stuff, let alone the game itself.

If I was just looking for things to complain about, I'd still be out here whinging over Pokemon Cafe's delightfully charming art style being absolutely wasted on a junk puzzle game instead of a full RPG or cozy slice-of-life Sim.

Regarding this post here.

Hi, I'm MerriAuthor. Apparently we haven't met because anyone who follows my blog would know that I've worked in game development well on 20 years now. I've worked across the industry from little nobody indie houses, to overseas gacha-fodder, to big ol' AAA major studios. Video games and their design are a big part of my life and, boy howdy, do I have some FEELINGS about the direction the industry as a whole has gone in as the years go by. Especially in regards to the predatory monetization of gaming and how it actively preys on children, uninformed parents, people with addictive behaviors, people with hyper-competitive personalities, and similar behavioral traits solely for the purpose of making money at their expense.

it’s designed to be this chill thing you check on during the day and leave running at night. to play it, all you have to do is sleep and feed your pokemon.

As with the previous person I spoke with on this topic, that is the base function of the game. But it's by no means the design of the game. Pokemon Sleep's entire game play rotation and marketplace are designed around encouraging the Player to interact with it as much as possible within an intentionally limited time frame. Meanwhile, the game's own time scale is such that it expects Players to log hundreds if not thousands of hours of interaction with it. Its own base gameplay loop is a weekly schedule and its shop schedule is monthly. Some Pokemon require a bare minimum of 150 hours of logged sleep to even access. Pokemon Sleep wants you to be in it for the long haul.

It's also based on collection; nearly every facet of the game is listed numerically and with a percentage value or progress bar, which are functions designed to produce urgency to complete them in the Player. Human brains don't like seeing an unfinished goal, especially one represented so overtly as an unfilled progress bar or a percentage value with a decimal. Want to have your favorite Pokemon as your napping buddy but don't want to put in a ton of effort playing the game to boost up your Snorlax's power score? Better hope it's one of the low-tier Pokemon assigned into the lower brackets of the gameplay progression, because otherwise you're never going to see it. Though you could always just fork over some cash. Nearing the end of your week with Snorlax and you're just shy of a milestone you've been aiming the entire week for? Good luck! You can pay money for that extra little boost, and once you've done it you'll resent its absence enough to want to buy it again! Do you want to level up that cutie first Charmander the game gave you at the very beginning specifically to ingrain itself with faux emotional value into your favorite Charizard? Want your Eevee to evolve into one of its most popular Eeveelutions? Want a Lucario, period? You'll need to put in hundreds of hours of consistent sleep to save up enough Sleep Points exclusively toward that goal... or you can just buy access to it immediately, through first purchasing access to the Premium Subscription! A Premium Subscription which, again, doesn't auto-cancel if you delete the app and can't be canceled through the app itself, for all you distracted parents who don't pay attention to fine print and wonder why your kid's game is running up a bill on your credit card each month after the 14-day free period - just long enough for you to have forgotten all about it in the first place. Snorlax wants a specific kind of Berry this week, but none of the helper Pokemon you recruited gather that berry, or they do and are just too low on Energy to manage it? Aren't you lucky! The shop will just sell you solutions to these problems the game itself created specifically to get you to shell out money!

no one’s telling you you to have to be the very best at it or pressuring you into paying for stuff, let alone the game itself.

Here's some screen shots from the game's own app page. Buttons to make purchases and drive interaction - the app store, sleep pass, how many dream shards you have, a prompt to buy more inventory space, your missions, your current goal, the progress meter and rarity values of your Pokemon's sleep styles, your collection and their levels, etc - are all constantly and prominently displayed. The entire first day of actual gameplay in the app is a tutorial explaining how it wants you to do more than just sleep and passively collect to the point that it literally sets a daily schedule of activity for you. The mechanics explanations are so egregiously long that the Professor character literally apologizes to the Player for being so long-winded about it. Oh, an adorable moment of self-depreciation and understanding! How humanizing and encouraging of empathy from the user, done with a cheeky wink and nod. Now that we've softened your emotional state ever so slightly, here's some more microtransaction-driven gameplay elements!

If this was really just a cute little game to idle around with for its own fun, there wouldn't be a cash shop, nor would the game require a consistent internet connection to its servers. The big thing with games like these is that they're not made for the Player's benefit or entertainment. They're made to make the parent company profits. That's it. If the Pokemon Company didn't think they'd make substantial returns on the investment of development, support, marketing, and online distribution costs to put this game out into the world, they never would have made it. That is a core reality of any product put out these days. I just spent this last week helping my studio's marketing and sales team make sales projections for one of our upcoming titles, figuring out how much we could reasonably charge our potential customers literally down to the penny. And the game we're selling isn't even a service with any kind of microtransactions or DLCs. Profits are fundamental in any studio production and, where microtransaction apps are concerned, are the core focus of why the app exists.

If you're perfectly happy with playing Pokemon Sleep as an idle "pop on every once in a while, poke for a few minutes, then forget about and never pay a cent" kind of game? Totally fine, you do you. But understand that Pokemon Sleep doesn't want you as its player and will not cater to your experience. The core gameplay of Pokemon Sleep is already designed to actively degrade into a subpar experience for those who don't pay to play and that rift will only become more pronounced as time goes by. Everything around the cash shop exists for no other reason than to encourage you to use the cash shop. Over time, the gameplay will further contort itself to drive more interaction with and reliance upon the cash shop as the app sheds its non-paying users who just tire of it and move on, instead doubling-down on the lingering, paying users who have already proven themselves a reliable stream of revenue. That is how these things always go and have always historically gone.

There's also the consistently apt adage of "if you're not paying for the product, you are the product". Pokemon Sleep requires an internet connection any time you want to interact with the app - there is no offline mode. Further, the actual fine print in the terms of service (not the bubbly, legally-meaningless assurances put into the game text itself) addresses that it will collect and may share your device information, user ID, and app activity (ie, the schedules, timing habits, and spending habits the game itself has ingrained into its interaction with the Player) for analytics and advertising purposes, and that they're okay with sharing (ie, selling) that information to third parties without naming who those third parties are. And boy, does the game really want you to link your Google, Apple, and Facebook accounts to it as part of its core functionality! Worth keeping in mind as well is that the app requires constant access to your microphone and can pick up sounds as minor as a sheet rustling when you turn over in bed. The game's bubbly, meaningless text assures you that it doesn't save or transfer the snippets of sleep recordings it makes of you each night, but it makes absolutely no assurances whatsoever in the fine print that it's not using your microphone for other purposes. It does, however, point out that it will be making use of your phone's functions even when you're not using the app.

So, yeah, I'll just still be over here not playing Pokemon Sleep and encouraging others to do the same, as well as pay closer attention to the nature of so-called "free to play" games.

#pokemon #pokemon sleep #game design #game development #microtransactions #corporations are not your friend

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heartofspells · 8 months

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on the etiquette of fandom respect

I'm not sure why I'm doing this, really. We've all seen those other posts that circulate around (or the vast majority of us have, at least from my notice) discussing things like negativity towards creators and proper etiquette when it comes to commenting and bookmarking and sharing another person's work. It always seems to fly in one ear and out the other, yet here I am, preparing to write an essay, mainly because I don't think we should ever stop saying it in the hopes of improvement.

Let's start this with bookmarks on AO3, because it seems like people either forget, they don't know, or possibly they simply do not care. Bookmarks can be seen by creators. Meaning they can see your tags, your bookmark collections, and your bookmark comments. There are numerous creators who enjoy going through the bookmarks on their works to see these things, because it's extra insight into why someone liked or even loved that creation, most times. There are also, in my experience, a lot of people who bookmark works and do not comment, so again, it gives the creator that extra special boost to keep doing what they're doing, to create more.

Leaving personal rating scores for a work, downgrading comments, or, in all honesty, opinions on what you did not like in the work is unkind. No one is coming to attack how you choose to keep track of your bookmarks, but please remember these are PUBLIC unless otherwise chosen by you. You can, however, make private bookmarks that only you can view. Even the creators cannot see these beyond a number of how many bookmarks a work collectively has. If you have a rating system or opinions on a work that could even remotely be construed as unkind, please make your bookmarks private. It's incredibly simple. There is a checkbox to select.

Now onto comments and the etiquette behind it. No one is forcing you to comment. While it is appreciated by all creators, it isn't a requirement. Creators love hearing from everyone who views their work. Comments bolster creators, encourage them to continue creating if they love doing it, which most creators do. But if the only thing you can think to say is something demeaning, criticizing, or has no bearing on the work you just viewed, it's probably better not to say anything at all. If you have questions, ask them. Creators love talking about their works, typically. Most will jump at the chance for a discussion. But this does not give anyone the right to ask accusatory questions that degrade a person's work. Also, leaving a comment about any work that blatantly goes against the very obviously stated tags/warnings, or leaving a comment that is short and brief and really doesn't make any sort of reference to the work itself is rude, plain and simple. Do not do that.

You are not being asked to leave a novel behind in your comment (though that's almost always appreciated to a massive extent). Leave a few kind words about liking or loving the work, because just something as simple as "loved this!" goes a long way as encouragement. If you have the time or something specific, tell the creator about a part you liked. They'll adore you for it. But again, none of it is a requirement. All creators ask for is a bit of common sense and respect from people in exchange for what they've created. Basic rule of thumb: ask yourself if you made something you were proud of and showed it to someone, would you be happy or hurt by the comment you're about to leave?

Lastly, let's discuss credit. It's seen a lot, and pretty much everywhere now. Someone finds artwork or a fic or maybe even a simple quote from a work they enjoy, and they repost it with no credit, not even a title (in regards to fics). No reference back to the creator at all. Stop gatekeeping works that do not belong to you. You do not own those works. They have been shared with you, nothing more. By transferring them or even a piece of them somewhere else without proper credit, you are not only removing someone else's ability to properly view this work without directly asking what it's from (if they ask at all, which most do not), you are taking that potential encouragement away from the creator and making them feel worthless.

These works, whatever they may be, were created for you. You may try to argue that they were shared in a public forum, and the creator should understand that by doing so, they're opening themselves up to potential criticism, theft, and even bullying. And you would be right, creators are fully aware of this. But here's the thing: these works, at least in a fandom setting, are being created for FREE. A person is taking time out of their life to make this wonderful thing, and they are offering it humbly solely for the pleasure of doing it, to bring you pleasure.

And you might even argue that creators are not making these things for you, but for the world. But aren't you part of the world? Did you find and are you reading/viewing/listening to these works? If so, then yes, they were created for you, with you in mind. All creators ask for in return, literally the only thing, is some basic human kindness and decency, because creators are not required to share anymore than you're required to comment or spread their works around.

Some creators have thicker skins than others, but keep going as we have been, and one day, the content you love so much might be gone. It's already beginning to disappear for lesser things. Don't be the reason it continues.

#food for thought #fandom etiquette #comment etiquette #free advise #take it or leave it #i'm sure it'll be left and overlooked or ignored #but at least i've tried and said my peace

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