How Banks Collapse

"On that day, Zach Harper died-" Or at least that was how it was supposed to be. I died. But there was good news, and bad news. The good news; I was reincarnated! Transmigrated into the World of Aethoria! Holy fuck, miracles do happen! But the bad news was, "Huh? What's this?" ... [DING!] A New Quest has been issued:- Type:- SURVIVAL Name:- Quest To Becoming Stronger: Description: The {Great Calamity} is coming...Get stronger and survive. Duration-: ... Reward:- ... Penalty:- Death, ??? ] ... I had to survive. •••• Join the discord! https://discord.gg/3E6p8AdQVR ••• Stone goals will be re-updated soon.

[BOOK 1 Completed!] [BOOK 2- STARTED] Su Chen, who is tired of following the villainous plot, where he is hunted down by the protagonist’s halo finally decided to call it quit. “Okay, this is the final time that I am repeating this damn plot.” “What? All the heroines can hear my inner voice?… “….So what? You all heroines think that I will be your Licking dog? Low-rated Villain? Same Rich scumy-second generation who buys you everything following that damn original script?” “Sorry, but you are gravely mistaken, my dear!” ……… [No NTR][No Yuri] ………. (Real villain story begins after chapter 11-13 when mc decides to become unscrupulous and follow one’s interest.) ***Winner of 2022 yearly Villain book category contest**** …….. Additional tags:(Eavesdropping) ( villain mc) (smart mc) (No beta mc) (no boot-licking mc) ( no pretending to be hidden big-shot) (yandere) (tsundere) ( harem accepting mc) ( brain-wash) (kidnapping) (mindbreak) (Stockholm syndrome) (true love) (obsession) ( regret) ( redemption?) (Strong to stronger). **Cover as well as character images are Ai generated. **Add me to join invite-only author discord server^^ **English used is mostly Uk/British version.

November 17th. A day that should have been ordinary became the day the world fell apart. The Collapse—a disaster unlike any other—destroyed over 80% of the population in a single stroke. Entire cities were reduced to ruins, the rules of nature were rewritten, and strange, otherworldly forces began to seep into the cracks of reality. Those who survived were left to navigate a world where power comes at a price, and despair looms around every corner. Silas Grayson was a man who always preferred the background, someone who never sought the limelight. But when the Collapse shattered the world, it shattered Silas’s quiet existence, too. Now, in a reality that demands action, he must navigate a landscape where ruins grant strange Authorities, rulers thrive on corruption, and whispers of beings far beyond human understanding begin to surface. As he ventures deeper into this harsh new world, Silas clings to hope—a fragile, flickering light in the darkness. But when despair threatens to crush even that, he must grapple with the question: How does a man hold on to hope in a world that seems designed to take it away? The Collapse didn’t just destroy the world—it created a new one. And surviving it will demand more than Silas ever thought he could give.

Yeon-Jun Shin works as a talented barista at a cozy coffee shop nestled in a bustling neighborhood. His life has been shaped by a challenging reality—he lives with selective mutism, a condition that emerged from the deep-rooted trauma he faced during his childhood. After enduring significant hardships, Yeon-Jun was fortunate to be adopted by the father of Sung-Hoon Cha, the ambitious young entrepreneur who owns the coffee shop where he now flourishes. Despite his struggles, Yeon-Jun has quietly become a beloved figure among the patrons, drawing them in with his exceptional brewing skills and strikingly good looks. However, Yeon-Jun's tranquil existence is disrupted when he crosses paths with Woo-San Kim, a man of considerable wealth and influence. Woo-San hails from an illustrious lineage, being an eighth-generation chaebol, and currently holds a prestigious position in the media sector. Despite his high status and the expectations that come with it, he harbors a simple yet profound passion—he relishes the experience of sipping a perfectly crafted coffee at his favorite local café. More than just the coffee itself, he finds himself inexplicably drawn to Yeon-Jun, the enigmatic barista who serves him. Though they share many moments in the coffee shop, their interactions remain silent, marked only by Woo-San's lingering gaze fixated on Yeon-Jun behind the counter. Something about Yeon-Jun captivates him—perhaps it’s the way his eyes light up while expertly preparing a latte or the serene aura he projects amid the café's lively atmosphere. However, this budding connection takes an unexpected turn when Woo-San's grandfather, intent on preserving the family's honorable legacy, imposes an arranged marriage upon him. Caught in an emotional whirlwind, Woo-San faces a profound dilemma: should he regard the weight of familial duty and embrace a life scripted by tradition, or follow the uncharted path that his heart seems to beckon him toward—toward Yeon-Jun? As each day unfolds, he must navigate the complexities of obligation and desire, weighing his grandfather's demands against the quiet yet stirring bond he has formed with the barista. In a world governed by riches and expectations, what choice will Woo-San ultimately make? But there is also something else that connects them all together. Something that cannot be abandoned, neither by Yeon-Jun nor by Woo-San, but they're hiding it from each other. Will they become vulnerable enough to share it, or will a passion to reveal this secret destroy everything between them?

Aberaeron has been facing recurring cases of murders and people going missing for the past few months. Witnesses report demonic activities and wraiths attacking travelers at night, the bodies of the unfortunate found mauled, flesh rendered from bones. The Emperor and elites of the upper court have dismissed the issue as merely a propaganda to fuel the religious zealots. Melannia Ashberne, the heir to the House Ashberne, has her own demons to face with unpleasant nightmares destroying her sleep. When her family is attacked on a trip to the city of Ravelon, Melannia finds herself standing in crossroads of deadly truths, harsh betrayals, and questions better left unanswered.

I heard once that you can feel your soulmates emotion . Is it true?

Frieda Evans, the daughter of the former Royal head physician is required to treat the Dark Lord's illness or she dies. After being tricked into marrying the scheming king, she gradually realizes that he isn't all that he seems and maybe the cure to his heart disease is a little... love?

Maverick is stuck in a rut. Since his grandma passed away and his girlfriend left him, he hasn't been able to enjoy anything he used to love. He goes through the motions of life, working out and staying healthy, but he's lost his spark. One day, Maverick discovers a strange ability: he can see glimpses of how his future interactions with people will play out. Unfortunately, every vision he has ends in boredom and disappointment. Soon, his visions took a bizarre turn, accompanied by ethereal figures. Amidst the confusion, he found himself pursued by one group and rescued by another, revealing a hidden world he never knew existed. His ordinary life shattered, replaced by an extraordinary odyssey into the unknown.

Ten thousand years ago, the sky shattered, the earth bled, and reality screamed. Gods and awakeners clashed against horrors that should not exist......things that twisted minds, devoured souls, and laughed at the concept of death. The world did not win. It survived. The Veil Barrier was forged, sealing away the nightmares at an unfathomable cost. Time passed. The world forgot. But the barrier is rotting. Cracks spread. Whispers crawl. Monsters pour through, dragging something far worse behind them. And in the midst of it all, something else stirs. Not a hero. Not a villain. Not a god. A being that should not exist. One even the horrors feared. The world thinks it won the war. It was wrong.

1660, London. A city plagued by vice and secrets, where shadows whisper to the living. Elias Varnheim, a young scholar, thought he could find refuge in reason and science. But when a strange manuscript falls into his hands, the fragile veil of reality begins to crack. When stories come to life, silence becomes the omen of the end.

The cataclysm happened quickly. Portals appeared and monsters invaded earth. People awakened powers and fought back. And after one month. [Channel 16379 earth has opened up] Beings called constellations came and showered awakened with support and powers. I even got a gift from one [Constellation Fighting goddess: is gifting you an item!] [Obtained item: Constellation's sword(SS+)] With that weapon I became the strongest awakened and struggled to keep humanity alive. But that's all useless history now. The world has gone to shit. With the appearance of otherworldly corruption the world didn't stand a chance. It gave immeasurable power for a price.

This could have been new shit

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Book Summary: Time Loop Bank In a world where time is the ultimate currency, the Time Loop Bank controls the most powerful resource known to humanity—the ability to borrow, trade, and manipulate time itself. Those who are wealthy extend their lives indefinitely, while the desperate gamble their futures for a fleeting second chance. Ethan Carter, once known as Caleb in the underworld, wakes up in a hidden facility after a near-fatal betrayal. His former identity, erased. His past, buried. But the one thing he cannot escape is the debt that binds him to the system. He once thought he was playing the game, but now he realizes he was just another piece on the board. As Ethan unravels the truth behind the Time Loop Bank, he discovers a conspiracy that stretches far beyond crime syndicates and corrupt officials. The elite aren’t just buying time—they’re rewriting history, shaping reality itself. And at the center of it all is a hidden force manipulating the flow of time for its own agenda. Armed with stolen data and pursued by those who would rather see him dead than let the truth out, Ethan must navigate a world where every second counts. He is no longer just a survivor—he is the only person who can break the cycle. But to do so, he must outplay the system, confront the ones who control time itself, and make the ultimate gamble: risk everything or be erased from existence. Themes: • Time as Currency: The book explores a world where time is traded like money, and those who control it dictate reality. • Power and Corruption: The elite manipulate time to maintain control, while the desperate are forced into impossible choices. • Identity and Survival: Ethan must shed his past and redefine himself to escape the system that has already written his fate. • Conspiracy and Rebellion: The deeper he digs, the more he realizes that even time itself is being rewritten to serve an unseen force. Genre: A blend of cyberpunk, sci-fi thriller, and high-stakes conspiracy, Time Loop Bank is a story of survival, deception, and the fight for control in a world where the future is up for sale.

"Bring him to his knees." Wait, what? This was supposed to be my reward ceremony, hell, I had just seconds ago finally received the title they decided to push on me. "Bring me the ring." Alice De Vritara, crimson eyes that burned like fire as she looked down at him. He was so dumbfounded that he didn't even try to stop her as she forced his arm up and placed a ring in his hand. A silver band that twined around a large amethyst that held a deeply crimson core, the Eye of Rostam, expensive enough to buy half a city. "Oh? Is this a proposal? I didn't know you wanted to marry me that much." Wait, what? You're the one who forced me to hold the ring, hell, you're even the one who forced me to my knees like this. In this situation, shouldn't I be the one saying thigns like that? "Don't look at me like that, I'm just following your third tenet." Again, what? You're blaming this on me? What the hell, all I wanted to do was change your pre-determined fate and raise the supposed monster of the story into a good (Villainess) person. --------- (I do not own the cover for this story, I will remove if asked. I also give myself permission to release this on other sites.)

The only child from a dysfunctional home. A man can be wealthy, famous, handsome and healthy. All this was true about Andrew Levis except falling in love. As rich as his father was, he was not attracted to any other female except his mother. Andrew Levis inherited the same habit from his father. He finds himself in a one night stand with Sarah Obama after a club party. The only solution to his family problems is only if he can produce a child. Andrew was trapped to get Aria pregnant, the daughter of kids Crocs company. Ariq drugged Andrew so he could get her pregnant, so it leads to marriage. Their plans were unsuccessful as Andrew mistakenly met Sarah in an hotel room while she was waiting for her fiancee to have her a month to their wedding. Sarah's boyfriend broke up with her even when they have not fully known each other, using it against her when he knew quite well she's not a cheater, all because he loves his side chic. The same greedy Aria that wants to get married to Andrew and still have extra marital affairs with Alfred. Few weeks after the one night stand Sarah discovered she's pregnant. After Sarah's discovery since the one night stand, Andrew proposed to her. "Please marry me, make me the happiest man in earth and let's help each other get revenge. Find out what happens next?

Random poems

There are countless ways to survive in a world already consumed by darkness, yet there are infinitely more ways to perish. If you're reading this out of curiosity, wondering what kind of worlds would be considered apocalyptic, or if you're one of the wiser ones already preparing for the inevitable end, then you've found the right place to satisfy that hunger...

From a very young age, he's lived his life under the watchful eyes of unseen beings. They could not physically interfere with his world, but they had ways to make his life hell. Maybe it was by fluke or they wanted to give him a break, but he managed to live a life, free from their scrutinization for 11 years. And just when he thought life could only be better from this point on, he died. In a terrible accident caused by someone he cherished. But orchestrated by those who desired him, or his soul… By sheer luck, he had caught the eye of one of these higher beings. And was blessed with the gift of a second chance. He was transmigrated to another world, the world of a novel he was obsessed with. And it is through this incident he manages to figure out the secrets of his past life, and the lives before that. The reason he was monitored so strictly, treated as a quality source of entertainment. All he wanted was a peaceful life, with the freedom to do as he wished. All he had were the people around him, who were continually taken away from him. Although unwanted, he cherished his second life. But then the peace was short-lived, and fate brought them all back, one by one. And once again, he was back to the same old scrutiny. But is it always that easy? To have all you want just because you possessed the power to do so? What if, just what if that helpless soul treated as nothing but an efficient source of entertainment, somehow possessed such power as well? Would they be let off? Yes, after all his whole existence was to create a good show. But why not pay back to his audience in equal measure, and yes, show them all, how to be a proper villain.

Jo is a horny girl.

a story of pain, love, second chances and forever after, this book will make you laugh, yell, cry, and ask what the hell is going on, alot. this book is all fiction. it is set in Spokane WA, and our MC's knew each other for along time and the age gap between Roxy (21) the FL and Jason *Psycho* (26) the ML is about 5 years, Jason was one of Roxy's older brothers best friends and did not like her that way until she came back to Spokane, where as she was in love with him since she was 15 but never had the guts to tell him, anyway enjoy the story

Fu Shi, the legendary Game Master who turned the tables against the heavens is now back! But his return comes with a twist. The one inside Fu Shi now is a bit different from what it used to be... Instead of the legendary cultivator, what is inside him now is a Game Designer possessing a manic obsession with making MMORPG games. "Hmm... I don't have my tools now. How am I supposed to create my masterpiece? It looks like I have to make do with what I have." #sandbox #gamer administrator #sect building #monsters #kingdoms #empires *** CULTIVATION REALMS [The Four Earthly Attributes] Martial Tempering(1st stage)—> Mind Enlightenment(2nd stage)—> Will Reinforcement(3rd stage)—> Spirit Mystery(4th stage) [The Three Cosmic Elements] Soul Recognition(5th stage)—> Essence Gathering(6th stage)—> Bloodline Refinement(7th stage) [The Trinity Celestial Paths] Heart Path(8th stage)—> World Path(9th stage)—> Endless Path(10th stage) [The Godly Vessel] Perfect Immortal(11th stage) *** Author's words This is inspired by GOG Daily updates are 7:00 am at GMT +8.