#it really does seem like a loss that she explicitly said there is More Mike To Love while only maintaining intimacy with...Mike. | Explore Tumblr Posts and Blogs

multiplemike · 3 years

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What did you like zoke for and why, mister generous. Hmm?

A main reason I like Zoke so much is some of the touching dialogue Zoey & Mike exchange. As a person with DID, seeing positive conversation around the condition is particularly special to me. Don't get me wrong--I have my fair share of criticisms for the way TD handled certain things, but overall, I think it's a great basis for something meaningful. Two scenes I'd like to point out in particular are:

...Mike finally confessing that he is a system to Zoey, followed by her incredibly powerful and positively affirming line. Despite Mike's fear that his disorder will continue to impair him even through interpersonal relationships, Zoey is willing to be present to the best of her ability. Coming to terms with having DID is hard, sometimes confiding in people is even harder, but building a genuine support network that values honesty is paramount. Which leads into...

...The conversation they have after Mal is introduced from dormancy. Even though Zoey and Mike both fear Mal as persecutor who is willing to sabotage the system and their support network, they are willing to navigate and transform the unhealthy behaviors for the better.

I don't really like the way Mal was handled; I would've much more preferred proactive language and reactions to having a persecutor (such as the show ending with Mike being a functional multiple or working through integration slowly instead of a literal reset button), but like I said earlier, the thought and intention are there for this couple to be representative of a system receiving love and support from an understanding partner.

#Moving away from canon a little bit...I just want to say I really would've liked to see Zoey form a more #intimate relationship with one or more of Mike's alters. I know it's easy to dog on All Stars for being out of character but #it really does seem like a loss that she explicitly said there is More Mike To Love while only maintaining intimacy with...Mike.#Vito or Manitoba could've been great contenders #tho Mike having a healthy relationship with Zoey while Vito has one with Anne Maria would've been amazing too #And I also do personally headcanon Zoey to be an OSDD1a system #so I think it would've been SO SO SO good to see an arc with Commando and Mal #maybe even where they end up together 👉🏼👈🏼#There is just. So Many Great Things you can explore with Zoke which makes Another reason why I love it So Damn Much #Thank you for the ask btw!!! I'm always hella down to talk about my ships 😊#total drama #total drama island #total drama revenge of the island #revenge of the island #tdroti #total drama all stars #tdas #zoke #zoey total drama #zoey td #zoey tdi #total drama zoey #td zoey #tdi zoey #mike total drama #mike td #mike tdi #total drama mike #td mike #tdi mike

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ughthatimagineblog · 6 years

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mama

jim hopper x reader

requested: Could I request a Jim Hopper x reader where they're making a meal for themselves and Jane but while she's not home so maybe a lot of cutesy (or some hotness) haha Can I request a Jim Hopper x reader where the reader is from Hawkins and she comes back after having previously moved away. One day reader’s walking the town just getting used to it again and she gets mildly harassed (nothing sexual) just a dude who won’t leave her alone, and Jim’s driving by and he stops (b/c he’s chief obvs). He deals with the situation and reader recognizes him and remembers when she had a crush on him in high school and realizes she still very much loves him. FLUFF basically

word count: 2063

warnings: cuteness, my own twist, spoilers (duh, watch all nine episodes before you read, kiddos!)

a/n: okay so this was a double request! i decided to take out two requests in one go and I’m pretty cool with how this turned out. side note to everyone else who is waiting; ive been sick! with the flu! so its been taking longer since I need rest and I have to catch up on work. yall understand. anyways, hope you like it!

November, Hawkins, Indiana, 1984

The bench was cold underneath your jeans as you scribbled in your notebook, trying to find all the details of what exactly had changed in your hometown since you’ve been gone. You left after high school to attend college in New York and since being back, things haven’t changed. That was a lie. A lot had changed. But nothing people could explicitly see with a passing eye. Small details. Stop signs were changed. They were a brighter red now. Store names had improved logos, some shops had moved locations, there were new employees, new people and the high school got new bleachers, also changing their location. You sighed and noticed the bar across the street. Checking your watch, it was noon and you decided you could go for something to eat. Getting up, you walked to the other side of the street, stopping before you could head in making sure you had your wallet and money inside. That’s when you heard honking. “Hey, beautiful!”

A voice shouted after you. You turned around to see a car that had just parked outside the bar and a man, about twenty five, probably, climbing out of it. You rolled your eyes, though subtly. You weren’t big on confrontation with strangers. “Yes?” You questioned, trying to sound annoyed. The man feigned hurt and put his hands up with a mock frown on his face after shutting his car door. “Hey, hey, hey, why the attitude? No need for that, I’m just trying to get to know you. How come I’ve never seen you before?” He asked, a toothpick you noticed, hanging out of his smirk-ridden mouth. You nearly glared. “I just moved back into town. I went to high school here and the reason you don’t know who I am is because, well, how old are you? Twenty six?” You asked, putting your wallet back into your back, your face scrunched up, eyes squinting and lips pressed into a line. “Twenty eight, baby.” He smiled and pressed an arm next to your head on the concrete outside the bar wall. You did roll your eyes obviously this time. “Right, well, the reason you’ve never seen me is because I was turning ten when you were coming out of your, probably now severely disappointed mother's vagina, now if you’ll excuse me, I’m here to get some food and leave so please, leave me alone.” You ranted and his smirk dropped, but not before his hand did. His other arm came up and entrapped you, pressed against the wall. You frantically looked around. The streets had barely any foot traffic. “I said, there’s no need for attitude.” The man said, threatening your personal space. Who were you kidding? He threatened your personal space when he parked ten feet in front of you.

“Get away from me.” You tried. “Yeah?” He taunted. “Now, why would I do that?” He asked with an ugly grin on his face.

You barely heard the door chime and a hand landed on the man’s shoulder. “Because the Sheriff’s here, now you heard her. Back away and go on with your day unless you want a VIP trip to the station.” A second man’s deep voice sounded behind him. The man backed away, looking at. . . Jim Hopper with a look that screamed, ‘her loss’, before climbing back into his car and driving away. You sighed in relief. “Jim? Is that really you?” You inspected the man’s face more and you nodded. It was. He took off his hat and smiled at the ground. “Yes it is, Y/N.”

You felt your heart flutter and you moved your hair behind your ear. “Feels like high school running into you.” You said meekly and felt like hitting yourself for making such an awkward comment. He nearly blushed but he settled for a chuckle. “Yeah, it sort of does, doesn’t it?” He paused. “Speaking of which, why are you back in town?” He asked. “Missed home.” You shrugged and he nodded, looking around. “Do you have a place to stay? I can drive you home. Sorry about Joe he’s kind of the local perv now.” He apologized and you laughed. “Well, now I know who to look out for.” You smiled. “And about the place to stay. . .’

Two knocks, then one, then three. The secret code.

You smiled, wiped off your hands on your apron and opened the door. It was Hopper. You smiled and let him in. “Now, what in the world smells so good?” He asked, stepping into the cabin, wrapping his arms around you. “Just something for dinner for you and Jane. Or Elle. I’m not quite sure what she’s comfortable with now.” You added while Hopper was kissing his way down your neck and frankly, you were only paying attention with half a brain. It had been six months since you moved in. Six months since last November and you were well aware of the whole Upside Down situation. It comforted you knowing the whole group was looking out for you, seeing as you were the newest.

But the hardest part of it all was moving in with Hopper and Eleven. Or Jane. You loved her. She was beautiful and smart and had amazing powers with unbelievable potential. But you were unsure on where you stood with her. You were aware of all that had happened to her real mom and you prayed that she would even accept you in a similar light. “That is so sweet of you. And good timing. There’s a surprise tonight.” You raised your eyebrows, smirked and pressed a chaste kiss to your boyfriend’s lips before turning away and clasping your hands together. “Okay, now, I am making food so you either can help or you can get out of the kitchen.” You walked back to the kitchen where ingredients were spread across the counter that was the cleanest Hopper had ever seen it. He gave you a look and you couldn’t quite pinpoint what it was.

“Okay. . . What are you making?” He smiled, mulling over what you had out. “Three cheese chicken pasta dish. It was originally beef but I was very skeptical on how that would come out. Now I have all the ingredients all I really need you to do is make the pasta in a boiling saucepan of water and I’ll cook the chicken and we can prepare the sauce and I’ll handle the rest. Actually,” You turned and rested your back on the edge of the sink. “While you prepare the pasta, I’ll make the table nice.” You tapped your finger to your lip and stared almost mindlessly at the kitchen table. “Can I ask why you’re doing all this?” He asked, though careful not to sound rude. “I just want to make a good impression on Jane. She’s your daughter now. In a way, she always has been. And I know how much that means to you- to both of you. And I wanted to do one thing special for her.” You explained and he smiled. “Besides, I realized I haven’t done anything for you since you let me move in.” You gave him a sad smile before he waved you off and wrapped you in his arms. “Ah, that’s nonsense. You know I’ve loved you since Junior year. It really only felt like a little bit of a chore.” He teased and you smacked his chest. “Hey!” You giggled. “Only kidding, dear.” He smiled and leaned in, pressing his lips to yours. Knock knock, knock, knock knock knock. The sound burst through the barely quiet room and Hopper stopped in his tracks from pulling out the pasta. You both looked at each other. “It’s Eleven, Mike and Dustin here to drop her off.” You heard a voice from outside and you checked the time. It was eight. You walked over to the door and opened it, smiling at the two boys and young girl. Elle’s face brightened at the sight of you and ran in to hug you. You hugged her back and turned your attention on the boys. “Thank you so much for making sure she got here safe.” You waved as they left and shouted, “No problem, Ms. Y/L/N!”

Elle made her way to the kitchen and saw the table set up and the dish set in the middle. “What’s this?” She asked and you smiled at her. “Dinner.”

Everyone had eaten and you were watching Jane finish with Hopper’s hand resting on your knee. “Was it good?” You asked Elle and she nodded. “Good. I made it for you. I hoped you would.” You smiled and Hopper had barely even noticed Eleven’s reply. “Jane.” He said, turning his attention to his daughter. “Remember what we talked about?” He asked and it took her a second, but a light bulb went off in her head and her face brightened ten times over. “Good.” Hopper said as he rose from the table and disappeared into his room. “He’ll be back.” She explained.

You fidgeted nervously, not knowing what this was about but you did know you had alone time with Jane and wanted to get something off of your chest. “Jane?” You asked and her attention turned towards you. “Yes?” She asked. “I want you to know, I did this to make sure you like me. I know that seems weird. But I really love your dad, Hopper. I really do. And well, in turn, I love you too. I want you to know I’m not trying to be your mom, your mama, I could never replace her. Ever. And I want you to know I’m not trying to. But I do hope I can help you learn and grow in any way I can. I really hope you understand.” You ranted and it felt like a weight had been lifted. You really wanted to get all of that off your shoulders and when you looked up from fidgeting hands, you saw her smiling at you, tears brimming. You smiled too and couldn’t help but get up and hug her, in which she returned the gesture. “I love you too.” She whispered and you nearly sobbed. The sound of footsteps entering the room again made you separate and you looked up to Hopper, who was making his way back to sit down. He looked between you two, saw your crying faces and smiled. “I think it’s time for dessert. Y/N, can you get it for us?” He asked and you nodded quickly. “Of course.” You got up and turned around, making your way to the fridge, where it was cooling. You had made a plate of Eggos, bananas, and Nutella, knowing Elle would love the combination of flavors. When you shut the refrigerator door you nearly screamed. Hopper was kneeling on one knee and Eleven was standing at his side, one arm on his shoulder.”Y/N?” He began and you felt your eyes well up again. Setting aside the dessert, you covered your mouth. “In these many months, you have been such an amazing person to have in our lives and it’s a wonder you haven’t run away.” He laughed and pulled out a box. “And really, I never thought I’d do this again. Then again, I never thought I’d have a daughter again.” Hopped turned to Elle and you swore you saw a tear. “But, it happened. And now I want her to have a proper mother. Jane and I have talked it over, and she would be more than happy for you to fill that role. I care so much about you. Always have. And in the past six months, it’s made me realize how big of an idiot I was to let you go years ago. I love you, and I don’t plan on making that mistake again.” He ranted. Pulling open the box, a ring with two intertwined diamonds were inside. “Will you marry me?” He asked and you nodded, running to hug him. “Yes.” You cried, muffled into his shoulder and you felt Jane’s arms wrap around you. It was barely quiet for a moment when you heard her whisper. “Mama.”

hope you enjoyed! @starscobe @dark-as-love

#jim hopper #hopper #jim hopper x reader #hopper x reader #stranger things #stranger things imagines #fanfiction #fanfic #fandom imagines #st imagines

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click2watch · 5 years

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$25 Million in 2 Weeks: BlockFi Booms as Bitcoin, Ether Investors Seek Interest

The Takeaway

BlockFi’s interest-yielding deposit accounts, launched in beta in January and fully live this month, have attracted more than $35 million in crypto. Most of it is being lent to institutional borrowers.

BlockFi’s terms of service give the company significant leeway over how it uses depositors’ funds and what interest rate it can pay them. This flexibility is needed for the company to grow fast, CEO Zac Prince says.

Institutional investors borrow crypto at individualized terms, at interest rates from 4 to 12 percent, and BlockFi can call in the loans at any time.

When crypto prices move dramatically, BlockFi manages risks by making borrowers put up more collateral or selling some of it.

BlockFi is planning to roll out new products every six months and raise more capital.

–––––––

BlockFi wasn’t the first lending startup in the cryptocurrency market, but it’s likely the one getting the most attention these days — including some heat from community members.

While it was founded in 2017, and began making fiat loans with crypto collateral in January 2018, the company was thrust into the spotlight earlier this month when it officially launched an interest-bearing deposit account. Seemingly too good to be true, the product entices investors with returns of up to 6.2 percent annually for holding their bitcoin or either.

So far, the product seems to be gaining traction. According to CEO and founder Zac Prince, users have already deposited more than $35 million worth of crypto, around 80 percent of it in bitcoin, into their interest-bearing accounts since beta testing began in January. Of that, $25 million, was gathered after the March 5 launch.

Yet skeptics almost immediately began looking under the hood.

For example, lawyer Stephen Palley noted that, while BlockFi is advertising 6.2 percent, according to the product’s terms and conditions page, the company can modify the rate at its discretion. Others pointed out that, as the deposits won’t be insured as they would be at a bank, “your upside is limited to 6.2 percent whereas your downside is 100 percent” if BlockFi fails.

Wall Street veteran Caitlin Long noted that by depositing their crypto with BlockFi, people expose themselves to a form of counterparty risk: “I didn’t see disclosure on that,” she wrote, adding that by rehypothecating clients’ funds – that is, lending out collateral – BlockFi may be exposing itself to legal challenges in some U.S. states.

Given the controversial yet clear market interest in this product, CoinDesk sat down with Prince to talk about the company’s policies, how BlockFi’s business works, and, most importantly, how it manages risk.

Lending fiat, borrowing crypto

BlockFi is currently offering two products to retail customers: cryptocurrency-backed loans and crypto-funded interest accounts. With the loans, the customer borrows U.S. dollars for one year at 4.5 percent interest, depositing bitcoin, litecoin or ether as collateral. They can only borrow up to 50 percent of what the pledged crypto is worth at the time.

Meanwhile, with the interest account, the customer deposits bitcoin or ether with BlockFi so that the asset can accumulate interest (denominated in crypto) every month. As mentioned, BlockFi is advertising a 6.2 percent annual compound interest rate for such accounts, which is two to three times better than a U.S.Treasury bond or a U.S. bank saving account yield.

Image of BlockFi’s CEO Zac Prince by Anna Baydakova for CoinDesk

But again, the terms and conditions explicitly say that the interest will be calculated by BlockFi at its discretion.

When asked if there is any benchmark BlockFi uses to determine the interest rate (the way, for example, a bank might take into account an index like LIBOR when setting the rate on a loan), Prince answered simply: “No.”

The absence of any formula allows BlockFi to flexibly change the rate and make it more attractive to potential users, he said, explaining that for now, the product doesn’t make money:

“The rate is a combination of the market and customer acquisition costs. This product will be for some amount of time, probably for for 3 to 18 months, a loss leader. We are OK with losing money for a while. If it was purely formulaic we probably wouldn’t have enough control to make sure it’s attractive enough to a large amount of people to hit our customer acquisition targets.”

To grow its user base quickly, BlockFi is planning to roll out new products every six months and to raise more capital. (It has already done several venture funding rounds, the largest one – led by Mike Novogratz’s Galaxy Digital – raising $52.2 million.)

Prince explained:

“We believe that we will be able to continue raising venture capital supporting the growth and at a certain point down the road [when] we’re a much bigger company, maybe we’re a public company, then we can say: ‘Ok, we turn to profit now.’ We anticipate being able to raise larger and larger amounts of venture capital for a while, at least for the next couple of years.”

…and lending crypto, too

The third thing BlockFi does, without advertising it to the retail market, is lend crypto to financial institutions. “We don’t really think of it being a product,” Prince said. “We think of this as of something we need to do to be able to deliver our product to our core customer, which is retail.”

This third element is what allows BlockFi to earn crypto that can be used to pay interest to its retail depositors. (The fiat loans are in a separate bucket, funded from the venture capital BlockFi raised.)

Most of the $35 million in deposits gathered is being lent to institutional borrowers: of every deposit, a bigger part goes to the lending business and a smaller part stays as a reserve, but the exact ratio is not disclosed.

Gemini Trust, founded by Cameron and Tyler Winklevoss, was chosen to handle custody for BlockFi’s clients, as well as the moving of crypto from the depositors to the institutional borrowers — BlockFi itself doesn’t hold the cryptographic private keys controlling the funds, Prince said.

Currently, BlockFi’s borrowers mostly belong to two groups, he said: people trading bitcoin futures and traditional financial institutions – in particular, proprietary trading firms and market makers.

The terms on which institutions borrow crypto vary on a case-by-case basis, Prince said. The interest rate can be between 4 and 12 percent, and the fiat collateral (which can be denominated in stablecoins, either the Gemini dollar or the Paxos Standard) can be between 110 and 150 percent of the loan amount. The relationships with borrowers are governed by individual ISDA agreements (the standard document governing over-the-counter derivatives transactions, made famous by the bestseller and movie “The Big Short“).

The term of the loan can vary, but BlockFi reserves the right to call in the loan with one’s week’s notice — the same amount of notice a depositor can give to withdraw crypto. This clause ensures the company will always have enough crypto to meet withdrawal requests, according to Prince.

Managing risk

So what happens when crypto prices move significantly (as they often do)?

When the price goes down, clients’ collateral will shrink, too, and the loan-to-value (LTV) ratio of the loans will rise from 50 percent to a higher number. On the other hand, if prices soar, institutional crypto borrowers will find their loans much more expensive to pay back. But according to Prince, BlockFi has taken several measures to mitigate these risks.

For the fiat loans, if at some point the amount of cash a retail client borrowed becomes equal to 70 percent of the collateral instead of 50 percent, to return to a safer LTV ratio, BlockFi will contact the client and give them 72 hours to either pay back the loan, add more collateral or take no action. Choosing the third option means BlockFi will sell a part of the collateral on an exchange or through an OTC desk, use it to pay down the loan, and get the LTV “back into the safe zone,” as the terms and conditions page puts it.

The same mechanism works for institutional investors that borrow crypto: if the price of bitcoin goes up, and what they borrowed ends up costing more relative to the amount of cash collateral, BlockFi will contact them and ask them to add more cash. If the bitcoin price hits a certain preset level, which also varies from borrower to borrower, BlockFi can use the collateral to buy bitcoin and close out the loan.

The terms for institutions, again, are highly dependent on the level of trust a particular client has. As Prince put it:

“If, say, JP Morgan wanted to borrow a million dollars from us, we probably wouldn’t need to take any collateral.”

Plus, the loans are structured so that if need be, BlockFi can chase after the deeper pockets behind a borrower. “We’re making sure that we have passed through to a parent entity if we’re facing a subsidiary, in terms of a default,” Prince said.

Legal and regulatory

In case the borrower defaults, taking them to court won’t be a problem, Prince believes.

“The legal structure we use to lend someone crypto is no different than we would use, say, to lend somebody USD secured by Japanese yen,” he said.

As for regulatory compliance, BlockFi is a licensed lender in the states that require this — the cash loans are now available in 47 U.S. states.

“The biggest state we don’t support is Nevada because it requires you to have an office in the state, which isn’t something we plan on doing in the near term,” BlockFi’s director of marketing Brad Michelson told CoinDesk. He wouldn’t name the other two excluded states.

As for the interest accounts, they are available worldwide, except the states of New York, Connecticut and Washington and in any countries sanctioned by the U.S., the U.K. or the E.U.

BlockFi doesn’t hold a New York State BitLicense, which explains why it lends but won’t take deposits there.

“For the crypto loans, we don’t believe we need a BitLicense,” Prince said. “For the interest accounts, we don’t believe we need one either, but our opinion on that is not strong enough for us to offer it here.”

Some of BlockFi’s state lending licenses on display at its office

The fine print

The terms and conditions on BlockFi’s website say that the company “will lend, sell, pledge, rehypothecate, assign, invest, use, commingle or otherwise dispose of funds and cryptocurrency assets to counterparties, and we will use our commercial best efforts to prevent losses,” affording the lender significant leeway over its use of clients’ funds.

Further, users waive their rights to obtain a paper copy of the contract, file a class action against BlockFi or request a jury trial. The company also can change the terms at any time and it’s the user’s responsibility to review them “from time to time.”

Prince explained that what is described in the terms is just the real risk to a crypto investor, plainly stated.

“There is this conundrum that you’re put in: you have to be really, really careful in terms of what your agreement says to protect your company, because crypto is in this regulatory grey area,” he said. “The Catch-22 is you have lawyers, you disclose any risk, you’re trying to protect your company from the regulators, but that means you need to write stuff like this.”

He added:

“Scams don’t write stuff like this.”

As for rehypothecation, which Long and others consider antithetical to bitcoin’s promise, Prince argues it’s essential for the nascent crypto market to grow. One of the benefits of rehypothecation, he explained, is that it allows intermediaries to reduce trading fees and enable short selling.

“If you don’t have a market that goes both ways, you can’t find the true price of an asset. Rehypothecation is the major component enabling that,” he said.

At the end of the day, any investment is risky, and BlockFi is just being forthright about it, Prince argued, concluding:

“Read a risk disclosure of, say, an IPO, and maybe in the end you say: ‘This is the scariest thing ever, I’ll never invest in a stock again in my life!’”

Image of BlockFi’s CEO Zac Prince by Anna Baydakova for CoinDesk

This news post is collected from CoinDesk