#(Because I was using old school pErSONAL WEB sites pre THIS sites existence to look up T.C.G info and stumbled upon the Gold re color)

[izzyizumi]

Digimon Trading Card Game [Revival] ~ “Gold V-dramon” T.C.G Reveal (JPN Edition)

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[xbreezymeadowsx]

200 Questions

No one asked me to do it but I made @sharpiewashere do it so it’s only fair I suffer through, too.

200: My crush’s name is: Zach because husband but also... Tommy motherfuckin’ Flanagan

199: I was born in: New Hampshire

198: I am really: horny and annoyed

197: My cellphone company is: Verizon

196: My eye color is: Brown

195: My shoe size is: like 10.5W I think.

194: My ring size is: I think it’s a 9.

193: My height is: 5’ 3”

192: I am allergic to: cats and crop dust

191: My 1st car was: old ass shitty Jeep Grand Cherokee

190: My 1st job was: at a stand in a city mall where we had an inflatable slide and two bounces houses and served sno cones, smoothies, and novelty ice creams

189: Last book you read: Fangs by Sarah Andersen

188: My bed is: fuckin’ broken and uncomfortable and clearly not big enough for myself and my bedhog husband.

187: My pet: 1 old black cat.

186: My best friend: Yuki (that bitch is my best best best friend and I miss her to pieces)

185: My favorite shampoo is: Garnier Whole Blends: Honey Treasures

184: Xbox or ps3: Fuck both. Switch.

183: Piggy banks are: cute

182: In my pockets: nada at the moment

181: On my calendar: is scribbles from my kid

180: Marriage is: Don’t marry a redneck!

179: Spongebob can: stop. Give me the early Bob but that’s it.

178: My mom: loves Unicorns

177: The last three songs I bought were? Wap metal version, Room with a Zoo, Shoop

176: Last YouTube video watched: GabSmolders playing Control

175: How many cousins do you have? technically only 2 by blood and actual familial connections. 6 if you count some others. 9 if you count step-cousins.

174: Do you have any siblings? 1 big Seester!

173: Are your parents divorced? Yeah

172: Are you taller than your mom? Maybe? IDK, we’re both shorties

171: Do you play an instrument? sadly, no.

170: What did you do yesterday? Slept and worked

[ I Believe In ]

169: Love at first sight: yes

168: Luck: yes

167: Fate: yes

166: Yourself: HA, you’re funny.

165: Aliens: no

164: Heaven: these are...

163: Hell: ... kinda loaded...

162: God: ... questions

161: Horoscopes: maybe

160: Soul mates: yes

159: Ghosts: yes

158: Gay Marriage: yes

157: War: yes

156: Orbs: yes

155: Magic: yes

[ This or That ]

154: Hugs or Kisses: hugs

153: Drunk or High: unfortunately neither.

152: Phone or Online: online

151: Red heads or Black haired: black

150: Blondes or Brunettes: brunette

149: Hot or cold: cold

148: Summer or winter: winter

147: Autumn or Spring: autumn

146: Chocolate or vanilla: chocolate

145: Night or Day: night

144: Oranges or Apples: apples

143: Curly or Straight hair: straight

142: McDonalds or Burger King: McD’s outta these choices but I’d take Steak’N’Shake over either.

141: White Chocolate or Milk Chocolate: Milk and Dark.

140: Mac or PC: PC

139: Flip flops or high heals: flip flops

138: Ugly and rich OR sweet and poor: Zach can be sweet (he certainly isn’t ugly to look at) and we’re definitely on the poor side.

137: Coke or Pepsi: Pepsi (anybody remember Pepsi Twist? That was the best!)

136: Hillary or Obama: Obama

135: Buried or cremated: Buried I guess. Though, if I’m cremated, my ashes need to be spread in one place and no separating them.

134: Singing or Dancing: singing

133: Coach or Chanel: I am a redneck, these things don’t mean anything to me.

132: Kat McPhee or Taylor Hicks: who?

131: Small town or Big city: small town

130: Wal-Mart or Target: Either? I shop Wal-Mart all the time out of convenience but I do like Target

129: Ben Stiller or Adam Sandler: I am overall not a fan of either barring a select couple movies (like Heavyweights and Little Nicky)

128: Manicure or Pedicure: no thanks.

127: East Coast or West Coast: east coast

126: Your Birthday or Christmas: Christmas

125: Chocolate or Flowers: chocolate

124: Disney or Six Flags: Can I go to a Zoo instead?

123: Yankees or Red Sox: I’ll say Sox because New England but I don’t particularly care for baseball.

[ Here’s What I Think About ]

122: War: there’s a time and place

121: George Bush: he’s an idiot?

120: Gay Marriage: yay!

119: The presidential election: tearing families apart because people are stupid and vote for Trump

118: Abortion: this is a bit of a grey area for me. While I firmly believe in “my body, my choice”, I do not accept that argument if you are constantly getting them as if it is a form of birth control. Use proper contraceptives you slut.

117: MySpace: does that even exist anymore?

116: Reality TV: certain ones can assume me.

115: Parents: love them even when you don’t like them.

114: Back stabbers: pussies.

113: Ebay: never used it

112: Facebook: is reserved for pictures of kids, pets, funny videos and memes, and gifs.

111: Work: shitty... literally

110: My Neighbors: I’m just glad they aren’t the cousin-fuckers or the Methicans anymore.

109: Gas Prices: it takes like 20 bucks to fill my tiny car gas tank so whatever.

108: Designer Clothes: never fit me

107: College: didn’t go.

106: Sports: HA. My fat ass play sports? Maybe Badminton or Tetherball but that’s it.

105: My family: lives too far away.

104: The future: needs to be better than now.

[ Last time I ]

103: Hugged someone: like 20 mins ago when my kid was trying to suck up to me to get a sip of my frappe.

102: Last time you ate: two hours ago.

101: Saw someone I haven’t seen in awhile: Zane’s first day of school this year. Miss Angie came over to see him off in the morning.

100: Cried in front of someone: probably a few weeks ago.

99: Went to a movie theater: Twilight Breaking Dawn pt 2.

98: Took a vacation: three years ago.

97: Swam in a pool: probably close to 8 or more years ago.

96: Changed a diaper: 4-5 yrs ago.

95: Got my nails done: professionally? never. By Zane? last weekend.

94: Went to a wedding: three years ago.

93: Broke a bone: never. dislocated shit though.

92: Got a piercing: over a decade

91: Broke the law: probably frequently without realizing it.

90: Texted: couple mins ago.

[ MISC ]

89: Who makes you laugh the most: oh I’m a funny bitch

88: Something I will really miss when I leave home is: nothing? fuck this house. fuck this town. fuck this state. I wanna go HOME home.

87: The last movie I saw: Smokin’ Aces 2

86: The thing that I’m looking forward to the most: my nephew’s birth and the vacation we plan to take to see him!

85: The thing i’m not looking forward to: the travel for the vacation stated above.

84: People call me: a lot of things. most of them true.

83: The most difficult thing to do is: wake up

82: I have gotten a speeding ticket: nope

81: My zodiac sign is: Taurus

80: The first person i talked to today was: my husband

79: First time you had a crush: I had a massive crush on Shawn Micheals as a kid.

78: The one person who i can’t hide things from: my Seester

77: Last time someone said something you were thinking: probably someone in the Flanaclan Chapel

76: Right now I am talking to: the Flanaclan on and off

75: What are you going to do when you grow up: I’m supposed to grow up?

74: I have/will get a job: yes

73: Tomorrow: is Halloween

72: Today: I’m horny and annoyed

71: Next Summer: is a long time away

70: Next Weekend: work

69: I have these pets: already answered

68: The worst sound in the world: right now I’d have to say it’s Zane clucking his tongue.

67: The person that makes me cry the most is: myself? or more specifically my anxiety brain.

66: People that make you happy: my Flanaclan friends, my bff, my sister.

65: Last time I cried: a few weeks ago

64: My friends are: on the internet and/or mostly too far away

63: My computer is: a hunk of shit laptop

62: My School: never going ever again.

61: My Car: looks like the car emoji.

60: I lose all respect for people who: beat animals

59: The movie I cried at was: recently? Up

58: Your hair color is: brown

57: TV shows you watch: SOA, SVU, SWAT, wrestling, Wynonna Earp, Van Helsing, Supernatural

56: Favorite web site: tumblr and youtube

55: Your dream vacation: Scotland, Ireland, Wales, England, all that.

54: The worst pain I was ever in was: dislocating my knee

53: How do you like your steak cooked: med rare

52: My room is: some boring off-white

51: My favorite celebrity is: Tommy Flanagan

50: Where would you like to be: New Hampshire

49: Do you want children: I have 1 and that’s 1 too many.

48: Ever been in love: yup

47: Who’s your best friend: didn’t I already answer this?

46: More guy friends or girl friends: girls nowadays. guys around here suck.

45: One thing that makes you feel great is: reading Chibs fics, staring at Flanagan

44: One person that you wish you could see right now: Flanagan

43: Do you have a 5 year plan: hell no

42: Have you made a list of things to do before you die: no

41: Have you pre-named your children: I did not.

40: Last person I got mad at: me

39: I would like to move to: for the millionth time, New Hampshire

38: I wish I was a professional: dog sitter/walker

[ My Favorites ]

37: Candy: Sour Patch Watermelons

36: Vehicle: 90′s Ford Ranger, Jeep Renegade, Jeep Wrangler, Jeep Gladiator, Ford Shelby GT350R 

35: President: certainly not the fuckin’ current one.

34: State visited: Massachusetts

33: Cellphone provider: Verizon

32: Athlete: Aleister Black, Drew McIntyre, Luchasaurus, Sonny Kiss (and fuck you if you try to tell me they aren’t athletes)

31: Actor: Tommy Flanagan

30: Actress: Millie Bobby Brown

29: Singer: Ville Valo

28: Band: HIM

27: Clothing store: don’t care.

26: Grocery store: don’t care.

25: TV show: Law & Order: SVU (as much as I’d love to say SOA, Law & Order was my first real love)

24: Movie: 10 Things I Hate About You

23: Website: tumblr, youtube

22: Animal: dogs, wolves

21: Theme park: Zoos

20: Holiday: Halloween

19: Sport to watch: professional wrestling, football, hockey

18: Sport to play: nothing that requires that much energy

17: Magazine: don’t read them much

16: Book: the House Of Night series and sequel series by P.C. Cast and Kristen Cast (I don’t care that I’m probably too old for them now, I love them)

15: Day of the week: Saturday

14: Beach: Hampton Beach, NH

13: Concert attended: 69 Eyes headlined (opening with Night Kills The Day, then Fair To Midland which were fine but also Wednesday 13!!!!!)

12: Thing to cook: fajitas

11: Food: apple fritters/apple cider donuts

10: Restaurant: Panda Express I suppose.

9: Radio station: WGFA

8: Yankee candle scent: Midsummers Night

7: Perfume: don’t wear perfume so much as body spray and it’s usually something like cucumber melon or some baked goods scent.

6: Flower: Tiger Lillies

5: Color: Green- specifically Forest/Hunter

4: Talk show host: idk I used to watch Maury all the time, does that count?

3: Comedian: George Carlin

2: Dog breed: Pittie mixes, mutts, labs, medium to big short haired breeds

1: Did you answer all these truthfully? Yes I did.

[pacejennings1-blog]

Getting Insurance to get a license?

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[scarletraven1001]

Villainous

A Vegebul Fanfic Collab with @supersaiyanerd

Summary: Bulma is a genius, but has decided that she wants to use her brains for evil. Yet what is a Supervillain, without a bit of muscle?

Enter Vegeta, a mercenary for hire. He is tough, and frankly terrifying, and his brawn clashes with her brains in a cosmic power struggle that leaves the good guys in a real state of panic.

Never before has evil been so deliciously exciting.

Also on Ao3.

8-8-8-8-8

Chapter 1: The Supervillain’s New Henchman

8-8-8-8-8

Failure was not something that Bulma Briefs was good at.

She had never really, actually failed before, so she was rather sore about failing now.

It wasn't even as if it was a real failure, or so she liked to think, but more of a… Temporary setback.

She needed that damn medallion.

She just couldn’t get over the fact that she was not able to acquire it as quickly as she had anticipated.

She didn't like waiting. She was not used to waiting.

Bulma was a woman who had been born with everything within her reach.

Coming from a wealthy family, she had always had everything she needed, whenever she needed it, and in all the colors available.

She was beautiful. Long, silky hair, the color of a cloudless sky, with bright blue eyes and lips as pink as rose petals. She had fine, alabaster skin, perfect teeth, and a voluptuous build that had men panting after her wherever she went. Thus, it had always been easy for her to use her feminine wiles to get her way.

Most of all, she was incredibly intelligent.

She had a certified genius-level IQ and an uncanny skill for public speech.

She had been slated to run her family's company since she had learned to read and speak three languages at four years old.

She finished high school at thirteen, two Bachelor's degrees at seventeen, her Master's at nineteen and her PhD at twenty-one.

She had the world at her feet, an arguably perfect life…

And she had been bored beyond belief.

She knew that there would have been millions of women - maybe even men - who would have traded places with her in a heartbeat, but to Bulma, her life had been one tedious, never-ending cycle of being immaculately gifted and perfect, and she detested it.

She needed something different…

Something exciting.

The answer came to her one day, when she was at another one of her boring philanthropic luncheons, an esteemed guest after she had invented a state of the art method for terraforming a nearby exoplanet so that the government can use it to plant rice. A police detective had been one of the speakers, and he had spoken about the various tricks and lengths that evil masterminds would go through.

He spoke about working in tandem with West City’s superhero, the Great Saiyaman, and his son, the Great Saiyaboy.

The detective had then said one thing that forever changed Bulma’s life…

“Well, I suppose being a supervillain could be exciting, but sadly for them, they could never get away with their crimes…”

It was like he had just given her a bold dare, and Bulma realized that she wanted to see the look on his face when a supervillain managed to pull off a successful heist.

Bulma realized that what she needed, to escape the monotony of her dreary existence, was to become a supervillain.

Which led her to her current predicament.

She had been doing well as a minor villain, but Bulma was nothing if not an overachiever, and she wanted to be the most super Supervillain to have ever… Villained.

And so, she needed to make a powerful supervillain-superweapon, but to make that, she needed a supervillain-super-powersource.

She learned about a special little trinket that had just been brought to West City a few weeks ago, a small medallion from an ancient warrior race that, under the right conditions, had enough elemental energy to power the entire northern sector, and she needed it for her newest invention.

She had gone into the museum, intent on stealing it, when she was thwarted by none other than the Great Saiyaman.

What ensued, after he had decided to take the medallion back, could not even be called a struggle, since he had basically plucked the item from her hands, not even breaking a sweat as he retrieved the medallion from her thin fingers.

Bulma got to thinking… She had all the know-how, but how was she going to win when the good guys had the strength to overpower twenty Bulmas in one flick of a finger?

She needed to be stronger, but she really hated the gym, and would not be caught dead trying to do weight training…

But then again…

She didn't have to do the heavy lifting, if she could just pay someone to do it for her now, did she?

Perhaps… She can just… Hire a strongman?

Bulma quickly looked into her online network, looking for ad space.

She needed some brawn to assist her brains, and she was gonna have to start looking for the perfect thug to act as a minion.

Bulma Briefs, Supervillain Candidate, was hiring.

8-8-8-8-8

Vegeta Prince was not the type of person who enjoyed quiet. He’d grown up in war zones, on battlefields, in the purest messes of chaos, and had always risen above victorious.

So why in the HELL was no one looking to hire him?

Hours upon hours, day after day had been spent looking for work, looking for something to spare him from the mind-numbing boredom. And nothing had come up.

Maybe destroying a city or two would calm his nerves. It was something to do.

Just as he was about to get out of his chair, he heard a telltale ping!, alerting him to a job opening on a job site he was subscribed to. With his otherworldly speed, he clicked it.

 Wanted: Henchman

I am a villainess looking for some muscle, especially muscle that can take on The Great Saiyaman and his son.

 Vegeta stopped for a moment, his eyes lingering on the name. That Kakarot, walking around in spandex, defending all that is good, saving the distressed and protecting the innocent. It made him want to vomit.

 I am willing to pay a very high price for anyone who I deem worthy enough to be my henchman.

If you wish to prove yourself to me, send me an email at bulmagoesbad@briefs2.com for a pre-registration.

Go to the highest peak of the West Mountains on Monday at 8:00am.

The rest will be up to me.

 Vegeta pondered for a moment. Whoever had written this, they were clearly new. Inexperienced, maybe even some pathetic weakling who did it for some tragic reason.

But on the other hand, it was a job. And that was exactly what he was looking for.

And a chance to beat Kakarot and his brat into the dirt? It appeared the pros far outweighed the cons.

Cracking his knuckles, Vegeta Prince grinned, knowing business was good once again.

8-8-8-8-8

“I am Spike the Devilman!” cried the man in the strange blue suit as he stood with arms akimbo, a pose meant to be menacing. He had large, webbed wings and a pair of huge green horns, with large pointed teeth and pinkish claws.

He looked like a bat. Not a devil.

Bulma wanted to roll her eyes, but refrained.

Just because she was a supervillain now, didn't mean she could be rude.

“I can fly!” he said, lifting off on his thin wings, before brandishing a pitchfork that Bulma hadn't even seen on him before.

“I can use this weapon for combat! Watch me!”

He then proceeded to do aerial acrobatics that had Bulma finally give in to the urge to roll her eyes, before she turned back to her pre-registration list.

She groaned.

She had spent the entire day with not a single ideal candidate in sight. And batdevil here, was the last man on the list.

The most promising one had been an android who reminded her of the typical portrayal of Frankenstein’s monster. He had been strong and had the terrifying bad-guy henchman looks, but it all fell apart during the interview, when she realized that he was more harmless than a three-day old puppy.

This was hopeless.

She let the last candidate fly around a bit more, before she finally called him down.

“Um,” she began when he looked at her expectantly.

“You are on the shortlist!” she lied, crossing her fingers behind her back. “I will call you back.”

The man beamed, before he gave her a short salute, and flew off.

She sighed.

What a waste of a day. Perhaps she could set up another screening schedule.

She was about to get up to place the small table, chair and umbrella set that she was sitting on back into her storage capsule, when she heard a loud, indistinct rumble go off in the sky.

She stood up, turning her head to look for the strange sound, when a very small but sudden, concentrated explosion a little to her right made her jump, a terrified squeak leaving her lips.

“What the hell?” she screamed, spinning to face the direction from which the unexpected attack came from.

There was absolutely nothing there.

She scrambled to encapsulate her things, sticking the tiny containment unit into her pocket before she turned once again to survey the sky.

She pulled a small laser gun out of her utility belt, pushing the folds of her white lab coat back so she can crouch slightly, gun at the ready.

Her heart was beating a mile a minute, and while she was scared, she realized that this, this, was exactly what she wanted, why she decided to become a supervillain. This rush, the adrenaline and danger…

Whoever had attacked her, was taking his or her sweet time.

“Who the hell are you? Show yourself!” she called out.

An answering blast of light came from her left, and she responded with a few blind shots of her laser gun.

She realized belatedly that she really should have brought more defenses and weapons, but dammit, she was new at this.

It wasn't like she got a full job orientation.

The ground started to shake, and she stood stunned as she realized that the entire mountain range was now pulsing with violent energy, emanating from a spot just a few meters away from her. It was concealed by a small hill, but Bulma could see dangerous flames of purple ki leaking out from the sides, and she realized that whoever, whatever this attacker was… Was extremely volatile.

She shot at the small hill, willing the attacker to appear, but even after the small hill had been decimated by the blasts, the attacker remained hidden.

She saw a flash of movement, and she straightened as she understood that her attacker was now on the move.

She tried to follow the streaks of blue with her eyes, despairing as she realized that the attacker was just too fast.

She felt a gust of wind blow through her, and she held her gun to her chest, noting with apprehension that the attacker was drawing nearer.

Another flash of blue appeared to her right, and she spun, lifting her gun to fire, only to feel a powerful tug at her wrist, a second before she stared in horror at her now empty hands.

The attacker had taken her weapon.

Eyes wide, Bulma scrambled to try to run away, but before she could even deign to move, she felt a powerful cage of limbs wrap around her, trapping her frail arms close to her torso, holding her immobile against a hard, unyielding body.

“Let me go!” she screamed, lifting both legs up to try to force her captor to lose balance, but the being remained firm, lowering a malicious head to breathe harshly against the back of her neck.

She saw a thick shock of spiked dark hair from the corner of her eyes, a moment before she heard a deep voice growl into her ear.

“I am here for the henchman vacancy. Please, pardon my tardiness.”

The arms unlocked from around her, and she scrambled away, falling painfully onto her hands and knees, before she turned around, sitting on the ground as she stared up at the man.

She brought scared but indignant eyes up to meet an intense gaze, blacker than the darkest night and sharper than a warrior's blade.

The dark hair she had glimpsed before stood in a riotous flame-like wave, drawing down into a severe widow's peak that slashed over a stoic face with thin, stern lips and an angular jaw.

She noted that he wasn’t too tall, but his body looked hard enough that it could have been sculpted from stone, with firmly defined muscles and thick arms covered in light caramel skin.

He was wearing a blue tank top, tucked into a pair of the tightest pants she had ever seen, showcasing powerful thighs and leg muscles that clearly explained how he could have moved so damn fast.

He was impatiently tapping his gold-tipped white boots on the hard ground as he stared at her impassively, watching her marvel over his form.

“If you are quite done drooling over me, I suggest we begin your screening methods so you can hire me,” he said, voice arrogantly loud, shocking Bulma into alertness.

“Excuse me, who are you?” she asked irritably, getting up to go toe to toe against the frankly terrifying man. “You're not on my list of applicants.”

“I did not bother sending an email since I knew I would be the best that you can find,” he smirked at her, raising a brow as his lips formed a mocking smirk. “Am I incorrect?”

She sputtered, unable to deny it.

Deciding not to even dignify him with a response, she crossed her arms, huffing.

“Well, could you at least tell me your name first so we could get on with the interview?” she asked, staring up and down at his very impressive physique.

He leaned his weight on his right leg, cockily crossing his arms across his chest, and Bulma could have sworn that the smug bastard flexed his biceps as he moved.

He puffed up his chest, and with a low, raspy voice that made the hairs on the back of her neck stand on end, he growled.

“My name is Vegeta Prince, and I will be your new strongman. Let me see whatever trial you have in store for me, and I guarantee, I will complete it.”

8-8-8-8-8

Vegeta looked curiously at the woman who could potentially become his employer.

To say that he had been surprised upon seeing her would have been a monumental understatement.

He had no idea, that the person posting that stupidly simplistic ad was, in fact, an incredibly beautiful woman.

He had been expecting a jaded old lady or a large, monstrous female who wanted world domination as revenge for a terrible life.

However, when he saw her atop that mountain, glaring dejectedly at her increasingly ridiculous applicants, he couldn't help but be intrigued at why such a good-looking person would decide to pursue the life of a villain.

Well… As if he should talk. He was pretty damn striking, if he did say so himself.

Woe betide anyone who dared to disagree.

Yet, he had his reasons. Vegeta was born to be destructive, his powers were literally all about destroying things and he did not have a well-meaning bone in his entire body.

This woman though… she was rather soft-looking, with pinkish white skin and baby blue hair that screamed innocence, and yet here she was, on the lookout for an evil henchman. He watched, interested, as the woman politely dismissed the last of the morons who had come for the job vacancy, and he cracked his knuckles as he decided to show off a bit, as his method of introducing himself.

It had worked very well.

The woman was definitely interested, if the darkening flush on her cheeks and the hastening beating of her heart was any indication.

“This job is mine,” he thought smugly as he stated his name, and the woman defiantly stared back at him, raising her chin as she stood up to full height.

“Well Vegeta,” she said. “My request is simple. Show me what you’ve got.”

He grinned, a wide and feral smile that showed off the sharp edges of his teeth.

“Well then,” he growled. “Get ready to be truly blown away. I assure you, I am not like anything you have ever seen before.”

“Well, then, dazzle me,” she dared. “I just had all the other applicants show me their powers. Come on, let's see what you're capable of, homeboy.”

He hooked one arm under her armpits, and the other under her knees. He smirked at her pink-stained face, shifting his weight from one leg to another, before he, without warning, shot into the sky.

He smirked snidely at the terrified screams that his sudden action wrenched from the woman’s surprisingly foul mouth, and his smirk turned into a full-on grin as the blue-haired woman gradually ceased her yelling, as she realized with blatant fascination how high they had actually flown.

“You can fucking fly!” Her eyes went wide with awe. “Not one of the other applicants could do that. I mean, the guy before you could, but it was with wings, and he wasn’t this fast. You… You can actually fly. No wings or gadgets or anything!”

He grinned. “If you think that's impressive, watch this,” and without a single hint or warning, he let her go.

He listened to her scream as she fell. He looked between her and the distance from the ground.

500 feet.

400 feet.

300.

200.

100.

Once she hit 50 feet, he shot down, and easily scooped her into his arms once again.

She was shaking.

Honestly, he knew she could have handled it.

“What. The. Actual. Fuck.” She looked at him, her cheeks flushed red, but now from rage.

“You said you wanted to see what I could do.”

“I didn't mean dropping me from 600 feet in the air, asshole!!!”

He watched her shake, and slowly, her body went still. Her eyes met his once again. “While that was a dick move, I will admit that was impressive. Your speed is phenomenal, and you do appear to be able to control your flight quite well. I guess you can show off a little more.”

He grinned, and she sighed. “And by that, I mean you can show off without trying to make my body hit the ground at terminal velocity.”

He soared back into the clouds, spinning around, doing loop-de-loops, watching her face light up. Oh, he surely had this in the bag.

At one point, he flipped his body upside down, holding her only by her wrists. She screeched, but he assured her he wasn't going to drop her this time. Her feet sliced through the clouds, and he could hear her laughter at the sight.

He touched down onto the ground, and watched her stumble as her frail body started to become used to being on solid ground once more.

“Oh wow!” she cried. “That was amazing! That was tons better than a roller coaster!”

He smirked. “Of course! I could fly ten times the speed of the fastest carnival rides. The speed I showed you just now was nothing.”

“Well,” she answered, her flushed, happy face seemingly lighting up the gradually darkening sky. “If you’ve still got more of that in you, how about you take me back to my lab?”

He raised his brows. “Why woman… We’ve only just met. Isn't it rather early to invite me back to your place?”

Her face flushed another interesting shade of red, and she stomped one foot on the ground, drawing a laugh from within his chest.

“First of all, you asshole,” she said through gritted teeth, “my name is Bulma. Bulma Briefs. And secondly, I need you back in the lab so we can perform a strength screening!”

He held a hand out, and the woman gladly took it. He used that hand to pull her up to him until he had her small body in his arms, before he lifted off, going straight up into the sky.

“In which direction?” he asked.

“It's in the very center of West City, Capsule Tower 3,” she answered, and he nodded, taking off.

However, something seemed strange about that location…

“Is that not a very visible area? Why would you put your lair in the center of the city?” he asked confusedly, peering down at the woman in his arms.

“Well, it’s my building. I figured, why not use it as my evil lab?”

He snorted. “Gutsy. Dumb, but gutsy.”

They flew the rest of the way in silence, until he finally saw the top of the tall tower, blinking up at him through the clouds of the early evening sky.

He landed on the helicopter helipad, placing the woman down on her feet.

“Follow me,” she instructed cooly, leading him to a small elevator near the edge of the wide rooftop.

The elevator hummed an infuriating tune as they descended, before it finally stopped, opening up into an expansive space with extremely high ceilings, filled with inexplicable little gadgets and complex machinery.

“Vegeta,” she said, turning to him as she stood at the entrance. “Welcome to my laboratory!”  

He looked around. Metal was scattered everywhere, blueprints were strewn all over the walls in favor of wallpaper, and a large computer covered one wall.

Various unidentifiable gadgets filled the large area, interspersed with what appeared to be advanc3d robotics and a large tank full of green liquid.

He had to admit, it was impressive.

“And what exactly are we doing here?” He stared at his future employer, her eyes glowing in the light of her super-computer.

“Oh, right! The strength screening!” She ran off, and he sat there for 1 minute, then 5, then 10, and finally, after about 20 minutes, she ran back in, holding 3 spheres.

“Here you go!” She grinned at him. He raised a black eyebrow.

“And you brought these, why?”

“Well, each one is made of a different alloy. This first one,” She held up the one at the far left. “Is a pure steel alloy. Each alloy is stronger than the last. You see, the Great Saiyaman has extraordinary strength, and you'll need to be on par with him if I'm to steal the medallion I need. So what I want you to do,” She gave him the sphere she was holding. “Is crush each and every one of these.”

He looked at her, then at the spheres, then back at her. “You didn't have any of the other candidates try this.”

She shrugged. “You are able to fly, and the blasts you fired at me had quite a bit of punch to them. So, I'm sure crushing these things will be no challenge.”

He looked at the sphere in his hand, and crushed it as though it were merely paper. “Like that?”

Her blue eyes widened. “Exactly. Damn, when I said crush it, I did not expect this. You literally turned it into a pancake.”

He smirked, and took the next one, and crushed it like the last, again showing no problem flattening it.

“You just crushed solid titanium. Basically the hardest metal on the planet. Ok. Wow. Well,” She held up the last sphere, smirking. “This is made of some of the hardest metals on the planet, and some from meteors, don't ask, in order to create what is theoretically the hardest metal to exist. I’d like to see you crush this.”

He took it from her hand, and tried to crush it like the others, but found it was harder than the last two. He had to admit, the woman had brains, because he had never found anything he couldn't crush with ease. He gripped harder, harder, and finally, the sphere gave. The blue eyed woman smirked, a victorious grin on her face. “That is definitely strength that will give the Great Saiyaman a run for his money.”

He smirked, “Woman, this is the strength that can crush Saiyaman and his insipid excuse of an offspring.”

“Confident, aren't ya?” she asked, an eyebrow raised in appraisal.

His smirk just widened further. “I am fully aware of my own capabilities.”

8-8-8-8-8

Bulma looked thoughtfully at Vegeta as she realized that he, in all his cocky, evidently overbearing glory, was undoubtedly the man that she needed for the job.

He was brilliant.

He was absolutely perfect.

His skills, his power, and that amazing strength… it was what she needed to defeat the Great Saiyaman.

He was also rather infuriating, but she was damn sure that she could live with that.

Putting up with the attitude would be worth it.

“Alright, Vegeta,” she said straightening to her full height. “I can see now that you really are the best man for this job. I wish to offer you a job as my official Henchman.”

He smirked, bringing his fists together and cracking his knuckles in glee.

“Good,” he said. “I am looking forward to it. Now… About the compensation…”

Bulma, stopped him by pulling out a small square of paper from her pocket, and she pushed it up to his face so he can see the salary that she was offering.

He whistled. “Not bad.”

“So you accept?”

“Looks fine to me.”

“Great!” she beamed, before she turned around, heading for a large table at a corner of the lab.

She sat down on the large office chair, and motioned at one of the cushy, small couches in front of her table.

“Take a seat, please? I’m just printing out your job offer, which I already arranged this morning. Just need to fill your name in,” she said, typing down on her keyboard as she squinted at the screen.

She pulled the job offer sheet out of the printer and held it out to Vegeta, who took the paper from her with a look of apprehension.

She went and entered his name into another document that she also printed, and handed to Vegeta as soon as he was done reading and signing the offer sheet.

His brown rose as he looked at what she was holding out to him.

“What on Earth is that?” he asked.

Bulma blinked. “Your employment contract.”

Vegeta’s eyes were wide in disbelief. “You… you want me to sign an actual, legal, employment contract?”

She cringed slightly at his question. “Duh! Of course! I may be a Supervillain, but I still need to follow labor laws. I would hate to get on the workers’ union’s bad side, you know?”

“I suppose,” he muttered, looking over the document, before pausing at a particular clause.

“Wait,” he said. “This part… Does this mean I get overtime pay?”

“And health insurance! With dental!” she beamed.

Vegeta shrugged, and after a few minutes, he laid the paper down on her table so he could sign it.

Bulma smiled. “So hey, I’d hate to rush you, but can you start on Wednesday?” she asked, giddy.

The tough, terrifying man blinked openly at her. “Today is Monday.”

“I know.”

He shook his head with a chuckle, before he answered. “What the hell. Sure.”

“Great!” Bulma said, extending a hand to Vegeta. “I look forward to working with you, Vegeta-san.”

He smirked, before he took her hand, and shook it with a firm, nearly arrogant grip.

“As do I, Bulma-san.”

8-8-8-8-8

To be continued…

[letsimportanttreecollection-blog]

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I am 17 I live in New Mexico it is April 2013 and I am financing new 2013 Chevrolet Cruze LS I will be put on my grandmothers Allstate car insurance.. how much would the monthly payment be???

Affordable medical plan for newborns?

i know there is WIC to cover if dont make enough money to pay for alot of food besides the bills, and the childs shots are covered through the pregnancy medicaid (if you have it) for ...show more""

What are some cheap car insurance companys?

What car insurance companys are cheap... and do they have a web site/phone number so I can get a quote thanks!

Which would be cheaper- my university insurance or insurance from the exchanges (obamacare)?

The deadline to enroll in my university insurance is before September, but I don't know if I should wait until October to see what options from the exchanges there are? Also, are all the insurance programs from the exchanges required to cover pre-existing conditions?""

Insurance - length of driving discounts?

So I have been driving for 3 years now (starting a couple days ago). I have allstate car insurance. I am listed as a 4 principal driver licensed 2 years and 6 months, but less than 3 years and I just called to be updated to a 0 principal driver licensed over 3 years . Will I be saving a hefty more on my car insurance? I am currently paying a premium of $776.50 every 6 months. That includes a good student discount. I am still only 19, but I will have been licensed for 3 years. Will this give me a good discount? And how much do you think it will decrease?""

Motorcycle collision insurance?

Is this a good idea if its a 2001? Its not manditory, no loan. $4000 bike. Does it cover non accident damage? Like the bike falls/gets knocked over? Vandalism? Thanks""

First they cancel my insurance. Is it true that I'm now hearing 70% of Cali doctors will boycott Obamacare?

I have to sign up for Obamacare because I'm self employed and was on an insufficient individual plan. So I'm resigned to the fact I need to sign up for Covered California(Obamacare), but now I'm hearing the California Medical Association says 70% of physicians say they will boycott my Covered California policy if I get one, since I don't have employer insurance and am in the Obamacare network. Basically I'm screwed everywhere I turn now. Can 70% of physicians really thumb their noses at the government? Can they afford to? http://washingtonexaminer.com/article/2540272#.UqLPd42Zl8I.twitter""

Which car would the cheapest insurance (Civic ex (4dr) or Lancer ES)?

?

What's the advantage of having an intermediary company (broker) handle my car insurance?

i quoted through the intermediary company (broker) and the total payment was $331. Then i quoted directly with the insurance company and the total payment is $209......????

""I need short term auto insurance, since i will be on vacation for 45 days in southern california,?

Now my insurance company doesn't cover me in the states

""How much do you pay for your car insurance policy evey year, all said and done?""

My boyfriend and I are moving to Portland Oregon, and we're trying to get some sort of idea. This is some info that would help us get an idea. How old are you? How many people are on the policy? What type of car(s)? How much coverage? THANKS!""

Mark Center Ohio Cheap car insurance quotes zip 43536

Mark Center Ohio Cheap car insurance quotes zip 43536

Car insurance is abnormally expensive for me (18yrs old)? What am I doing wrong?

I go on gocompare, confuse.com, comparethemarket, etc. to check prices of different cars but I keep getting insurance at the price of 7,000+?! And the crazy thing is, it was for a Peugeot 2002 106 which is like 1.1 litre. which came to the lowest I found. Which was 7,000+. I fill in the details truthfully, such as locked home garage, very low miles per year, etc, but I can't seem to get cheap insurance? Everyone online says they get insured for around 2,000 on a Corsa, Peugeot 106, Citroen C1 and on like 1.4L+ cars etc. HOW TO HELL? Should I just buy my 1st car then insure it on my parents name then ask me to be put on as a named driver? My friends do that and pay around 1,000-1,200 on 1.6L cars.. Also, can you recommend me a good 1st car? (England) Thanks!""

Affordable health insurance??

I asked before but i am looking for a health insurance that covers meds, eye checks, dentist, womens problems, in the united states.""

Insurance on a 1998 corolla?

i am a male, 19, g2 license, no dimerits, how much will it cost to insure a well sustained 1998 corolla? live in canada ontario, no dimerits at all, no tickets! (this will be under my name, my family has 2 cars under they're name already, the insurence company said they cant put my mom and dad's name under more than 2 cars so the third car would have to be under my name) also, would it be cheaper for my name to be under a brand new 2012 acura TL?""

How would i go about getting a hypothetical insurance quote?

I haven't even started to learn to drive yet, but just out of curiosity i want to get a rough estimate for insurance for a car that i found, are there any website where i can do this anonymously?""

Whats the best cheapest car insurance to get?

We have Farmers Insurance, and we have to 2 cars and 3 person together with full coverage cost $370 a month, i think that's too much, we can hardly afford that. Is there any other company you think offer cheaper? Thanks.""

""How much do you pay for car insurance in dorchester,ma ?

2006 Nissan Murano SL AWD or similar car.

Switching health insurance while pregnant--bad idea?

Hi, I am insured under a program called Healthy New York, which provides affordable health insurance for low income workers. I am pregnant and my OB GYN dropped my insurance. I am allowed to change provider and remain under the same program, and according to Healthy NY, pregnancy is not a preexisting condition if the insured is a sole proprietor , which I am. I also called Blue Cross Blue Shield, the new insurance, and they claim my pregnancy would be covered. Somehow I still am afraid there is some hidden problem. Any insights, personal experiences? Thank you, Anja""

Cheap health insurance?

What is a good company for CHEAP health insurance?? For 19 Male (single)

Where can i get car insurance for over 50?

looking for a good company that deals with car insurance for 50 years old and over

Citroen Saxo Insurance?

Hello, im a 17 year old currently learning to drive, once i have a Full UK driving license,think i would be able to get insured on a citreon saxo? As far as i know there are a few types of saxo's, the 1.1, the 1.4 furio, and the vtr 1.6 i think! Many people have told be they are classed as a boy racer car so the insurance will be high but surely if i buy a standard 1.1 or 1.4 saxo i will be able to get insured. What do you guys think? What saxo best for first car? Any other first cars recommened? How much round about do you think it will be to insure? Thanks""

Pregnant with health insurance but no maternity coverage?

Would I qualify for Medicaid for pregnant women if I have cigna health insurance without maternity coverage? I live in Florida. If not does cigna offer maternity coverage?

Why company cars needs insurance?

Why do business cars needs insurance?

Affordable Dental Insurance? Can it be true?

I recently lost my job. I would like a separate dental insurance plan besides my basic health insurance. I wonder if anyone else is feeling the pain like me. Any suggestions?

Can i drive my dads car without insurance?

Alright so i live in Ontario, Canada. I just recently got my G2 licence, and i am dying to drive the car, but my dad isnt sure if he would need to get insurance in my name on the car which i will drive. he already has insurance on the car, however its on his name. Can i legally drive that car if the insurance is not on my name?""

Have I been ripped off? Car insurance?

Need a bit of help! I recently turned 18 and passed my driving test I drive a c1 and I paid 3060 for my car insurance this is with a black box fitted! I don't know if this is bad or good?? Considering I am being monitored?? Please help

Cheapest way to get car insurance?

we know of a family that is going through tough times. Mom works 3 jobs, daughter (18 y.o. works 2 jobs and goes to school full time) while the dad has two DUIs on him. Of course the daughter can't get insurance(because its too expensive). Around $2k a year. Know of any other viable options?? Its in California. Thanks!""

Car Insurance... How much is it really?!?

I am planning on getting a car this summer after school and i am 16.... My parents want to lease a car for me from Dodge/Chrysler/Jeep since we get a discount. I really want the dodge SRT-4 but i think it will be too much insurance at this point in my life... can someone tell me roughly how much it would be??? thx!

""Out of these cars, which one will have the cheapest insurance?

Suzuki Forenza 2007 Mazda3 2005

At what age will my car insurance go down?

im 19 now with a clean record.

How do I go about getting affordable/any health insurance?

-22 -located in Philadelphia, PA -single -insurance is not offered at workplace -no parents -got denied for Medicaid Any answers are greatly appreciated!""

Health insurance question?

Can someone tell me what in network and out of network means? I applied for my health benefits today and the lady had me soooo confused. I understand that an in network doctor will save me money. Does an in network doctor mean they accept my insurance and out of network they don't accept it? LOL this is my first time having private insurance so i'm not quite sure what all of this means!

Seeking an auto insurance company who offers independent spouses insurance?

married, but want to buy separate auto insurance""

Advice on car insurance after having an accident?

I only passed my test 5 weeks ago, and 2 weeks after getting my car I had a crash and my car was wrote off (I know I'm the reason its so expensive for young drivers :S) Just wondering if anyone knows of any insurance companies that won't rip me off. (I know this is a long-shot! but it's worth a try) Thanks in advance :)""

Where can I get temporary van insurance?

I'm looking for temporary van insurance for my van as I want to drive it to Spain for a few days but don't use it enough to warrent paying for a year's insurance. I would also need european breakdown cover, so if someone could help with that as well, I would be very grateful.""

Does anyone know approximately how much liability insurance costs for an old school VW Van?

I'm looking into buying a 1979 VW Van/Bus, I was just wondering what kind of insurance I'm looking at.""

Mark Center Ohio Cheap car insurance quotes zip 43536

Mark Center Ohio Cheap car insurance quotes zip 43536

Cheap or free help with medical insurance?

I need health insurance for myself my children are covered under medicade and I need health insurance that is free or cheap

Does anyone have health insuance?

I need help! I need health insurance and unable to get it due to my chron's diease. I live in Califorina and no one will help me because my husband and I make too much money (yeah right) I need some help on what to do please anyone

Do you need to pay insurance on a 50cc scooter in utah?

I just bought a 50cc scooter and i was wondering if in Utah you have to pay insurance on it? also about how much is it to register it?

Which is cheaper for a 16 year old Car insurance or Motorcycle insurance?

Im thinking about getting either a car or a motorcycle it all depends on the insurance cost.

How much would my insurance be?

ive just turned 16 and im getting a 50cc moped restricted. Most people insurance is 289 for the first year and 189 for the second. but thats for a scooter.I want an Rs50 (1 of a kind) and so i am asking, will my insurance be different or the same?""

Would anybody please tell me what do I have to do to become a car insurance broker?

I am interested in car insurance industry and would like to become an insurance broker. I don't know the course or the line to follow.

Cheapest car insurance for a teen in florida ?

Im currently 17 years old; Im getting my driver license next week. I have a 1995 Nissan Sentra and I wanted to know what would be the cheapest insurance in Florida. I was thinking of getting my PIP only, but my price ranges are 0-250 a month. I also have a 20 year brother who had his drivers license since he was 17 years old and I was thinking if I can out his name as the head of the car insurance and add me as a secondary driver but I dont if it will be cheaper ??? If you know of an insurance that provides more than a PIP for my price range please let me know ??? If the insurance will not be cheaper under my brothers name, !!""

How much would motorcycle insurance be for a 17 yr old female?

hi. im 17 years old and live in glendale arizona. i want to buy a honda rebel 250. but im kind of worried about the insurance costs. i get average grades and am a good driver behind the wheel of a car and behind handlebars. how much do you think theyll ask of me?

How much info do the govt have on what sort of car insurance u have?

Like as long as I have an insurance certificate am I sweet until I have an accident? Or if I give the insurance company wrong info for a cheaper quote will the govt find out? If so how? My mates had his car for ages and has no insurance and the police have never said anything to him Cheers

What kind of insurance (if any) will cover AI pregnancies?

I know this sounds a little odd, and I know you're probably thinking that I shouldn't have gotten AI if I can't afford the medical bills. But I'm serious, and need recommendations. I need to find an affordable insurance company that will help cover the expenses of an intentional pregnancy. I'm not talking about the actual Artificial Insemination process, but rather the doctor and hospital bills that will occur during pregnancy and at the actual birth. Thank you so much! I really appreciate the help!""

What would I need to do to get car insurance (new driver)?

I plan on leasing a car and paying monthly, but I'll need car insurance. I'm 21 and a new driver, Where should I get my car insurance? And how much will i be looking to pay for a car in the 2004-2006 range? Thanks.""

What is the minimum required age to get an insurance liscense in California.?

To get a license to sell life insurance in the state of California.

Auto insurance question Re: teenage driver?

My 17 year old daughter is currently on my automobile insurance policy. She drives my car at times. She'll be 18 next February. Sometime this year, I wanted to get a new car and give her this one. If we have the car registered in her name when I give it to her, does she then need her own seperate insurance policy? Can she still be under my insurance although the car would no longer be registered in my name? I think seperate insurance for her (at her age) would be considerably more expensive. She's still a student and not working yet. Any insights on this would be appreciated.""

Can you have 2 insurance policies on one car?

I have recently passed my test and wanted to be added to my partners insurance. They don't except people who haven't held a license for less than 2 years? Is it possible for me too take out my own insurance on her car?

What is a good affordable health insurance for a part time worker?

I am a part time worker averaging 15-20 hours per week, minimum wage. I do not qualify for the job insurance since I have to be full time. Is there any insurances out there that are affordable for me? Please and thank you!""

Can somebody explain what term insurance means?

if you get term insurance for 10 years, can you get your money after 10 yearrs even if you didn't diie?""

Live in different states then parent: Car insurance?

Do I have to live in the same state as my dad to have my car under his insurance? I live in NC and he lives in SC if that makes a difference. Thank you!!

Whats good Health Insurance?

Im 20 a year old woman in college, I recently found out I was pregnant. I want to find affordable health insurance coverage for me and my unborn child. I dont want to rely on ...show more""

What is car insurance for?

do i need insurance for a car that is parked or is it just to drive the car

""If you need health insurace, are you going to be able to afford Affordable Care?""

I had high hopes for the Affordable Care Act (nicknamed Obamacare). it was supposed to give all Americans access to healthcare and be affordable enough so we could all still eat and have a roof over our heads. Premium prices depend on where you live, and I live in one of the higher-priced areas, but OMG! Their premiums are more expensive than I've ever seen, and then you have to pay a chunk to see the doctor or get a prescription or go to the hospital... I don't see any savings or advantages anywhere. So what about you, if you aren't covered by health insurance and were hoping to get it under the Affordable Care Act? Can you afford it?Will you be able to actually afford to go to the doctor after paying the premiums?""

Anyone know any car insurance company's that can offer cheap car insurance for a 18 year old?

I am 18 and just bought a Nissan Altima 08. I live in California, Los Angeles. I am trying to get insured and they want to charge me $3000 a year. Thats $250 a month for car insurance. Its more then my car payments. Anyone know any insurance company that can offer a better deal?""

Does making payments on a car make insurance cheaper?

my mother in law is about to buy us a car and we are going to b paying her back. so i can either put that we are owning the car or making payments on the car in the insurance questionnaire. but i was wondering what difference it made. does making payments on the car make your insurance cheaper or more expensive or cheaper? i googled it but couldnt find an anwer

Is it legal to be declined health insurance for this reason?

I applied with a major insurance company in California, am a single vegetarian in my mid/late 30s no children, extremely healthy never been diagnosed with anything, exercise regularly. I guess they dug up that I had taken a fertility drug in the past - I was never even diagnosed as infertile - it's a really cheap common drug that stimulates your ovaries to produce more eggs but I had no partner to get pregnant with so to was just something I got from a fertility doctor if I wanted to get pregnant with donor sperm. That's not even covered by insurance if I ever want to do that again and the drug's like $20 you can practically get it over the counter it's so common I know tons of women who use it. I didn't even apply for maternity care to be included in my insurance, just a basic policy. Is it legal for them to decline me because of this? So if a woman has a baby they are no longer eligible for insurance? Most women who get pregnant take this drug (including both my sisters) yet they still have insurance. Was it legal for the pharmacy to give them this info? I don't know how else they found out.""

I am 16/m and looking for a cheap car insurances?

Im currently living in nyc, I am 16/m and looking for a cheap car insurances. Does anyone know of any?""

Has anyone used Cover Me Insurance Agency to buy Truck Insurance?

I'm a truck driver in need of truck insurance and filled out their quote form online at http://www.covermeinsurance.com/quote.html but have not heard back from them. I called them about 3am to leave a message but they don't even have a way to leave a message. I was wondering if anyone has had any experience with this truck insurance agency.

Mark Center Ohio Cheap car insurance quotes zip 43536

Mark Center Ohio Cheap car insurance quotes zip 43536

Young motorcylist trying to get car? Stupid insurance?

I want to swap my motorcycle for a car, as I need to drive to university one day a week and I want a car for the motorway (Safer during gusts & ICE). But..... the stupid insurance companies take no notice that I've been driving for two years, and want to charge me 3500!!!!! For an 800cc CAR!!! WTF?! For a 600cc bike, it'll cost me 450! Let's compare: 600cc BIKE (0-60 in 2.5 seconds, tops out at 130mph, worth 2000) 800cc CAR (0-60 in 17 seconds, tops out at 82mph, worth 850) Which one do YOU reckon should be cheaper?!!!!?? So, how do I get an insurer to actually realise that I've been on the road for two years, have a full motorcycle license, and that my insurance shouldn't be so STUPIDLY, RIDDICULOUSLY expensive?! Without fronting on my dad's policy :P BTW, adding parents as a named driver only reduces it by 300...""

Mustang GT Insurance?

I am now 15 and 9 months and when i turn 16 and 9 months around May next year i would like to get a new 2015 Mustang GT for 32k. There is a problem. My mom is worried about how much she will have to pay for insurance so i would like to get an estimate from you guys before asking her to call the insurance company. By the way we are from Poland( I am first generation born in New York Brooklyn now in Maryland). I was thinking maybe she could just tell the insurance company she is buying a second car for herself to maybe keep the insurance company from knowing its for a 16 year old they wont be able to trust.(Even though i have been driving my Mom's Camry for a few years now and am beyond responsible enough.) I was hoping below a 100$/month? (P.S. She is very responsible and had never been in an accident caused by her fault so her insurance company trusts her and i believe she is with Erie Insurance now after she switched from Geico who were overcharging her for the house coverage i believe...)

Car Insurance and Tornadoes?

Just curious since I live in the heart of tornado alley in Southern Kansas... Say if my car was at home or at a store or other place of business and a tornado destroyed or damaged my car, will my insurance cover the damage? Full coverage.""

How much could I expect to pay for motorcycle insurance?

I am going to take motorcycle lessons, and once I obtain my license, I plan on buying a new Kawasaki Ninja 250R. Either a 2009 or 2008 model (cost is 4000 or 3500 dollars, respectively). I am 19 years old, and have a car, which I am the primary driver of, which cost a little bit over $20k. Insurance is a little under $3000n annually. I have heard that this might reduce my motorcycle insurance costs (if I get it with the same company?), but I am not sure. I have never been any type of accident, or speeding or any involvement with the police. Only one parking ticket for my entire time of driving (since 2008 July). And I live in Massachusetts. Any type of idea of the cost would greatly help, before I commit myself to the lessons and purchases and the costs. Thanks!""

""What happens if you have health insurance through your job, then have to get new health insurance?""

If you have health insurance with your employer then quit, how can you get new health insurance with your new employer because aren't they going to see all your pre-existing history from your old insurance company?""

How to get only eye insurance in new jersey ?

Hi , I have bcbs nj health insurance independently , not from my employer , but they dont provide eye insurance indepently , it should only be from an employer , ......pls someone suggest other insurances where they provide only eye coverage like UNITED or GURDIAN etc""

How do I cancel my life insurance policy?

I just turned 19, my life insurance policy just started and I don't want it. I know that you can cancel it by stop paying for it, but what if it's connected to my bank account?""

""How much, on average, would it cost to get a Thyroid Function Test? (No insurance) Info on Hypothyroidism?""

I was told that I might have Hypothyroidism because of my constant low blood pressure & low body temp. I was reading the symptoms and seem to have the following. Poor muscle tone (muscle hypotonia) Fatigue Cold intolerance, increased sensitivity to cold Depression Constipation Muscle cramps and joint pain Arthritis Thin, brittle fingernails Brittle hair Paleness Dry, itchy skin Weight gain Thinning of the outer third of the eyebrows Low basal body temperature Impaired memory Impaired cognitive function (brain fog) and inattentiveness <-all the time now Migraine headache Sluggish reflexes Anxiety/panic attacks <All the time now Increased need for sleep <All the time now Irritability and mood instability <All the time now Decreased sense of taste and smell Depression (Had <that for years and years now) Could it be the depression & Borderline Personality Disorder causing this or thyroid problems causing the Mental issues? Thanks for any info!""

Will my sisters auto insurance go up?

i live with my sister and her husband. i do not have any auto insurance. i was a pedestrian that got backed into by a car. i now will have to go and have surgery on my knee. to make a long story short, will my sisters auto insurance cover me because i am a resident relative? will their auto insurance go up if they cover me (they will get reimbursed though by the party who hit me)""

How much does car insurance cost in Ontario?

What are the factors involved? What kind of car will help me get lower insurance? I'm 16 (but will be 17 when I purchase a car) I haven't done any drivers coarse because I personally think it would be a waste of time. I've been driving for many years, seems pointless to take the coarse just to be considered a three star driver... anyways, should I get a newer car? or an older one? what factors are involved in getting low insurance? now I'm only gonna be 17, so I'm guessing it's gonna be around $2000-$3000 ( a year) but how can I get it as low as possible?""

How can these insurance companies like Geico claim to save you money on your car insurance when ?

when they are spending so much on stupid commercials

In a california DUI license suspension how do i get my license back?

its been a year that got a DUI in California and got my license suspended, and im just wondering how do i get my license back? do i just show up to DMV? i never got sent to court so by law the case gets dismissed after a year. so how do i go about getting my license back. ANSWER FAST!! :D""

300cc Moped Insurance...about how much would that cost?

I know lots of factors go into calculating insurance costs, but about how much do you think insurance for a 300cc moped would cost per year or per month? Thanks.""

Mega life and health insurance?

What is the location of Mega Life and Health Insurance?

Insurance and modifications?

i have a 3 speed auto porsche 944 '-85. obviously it is quite expensive to insure, and this particular model is quite slow. so i was wondering what would be the complications in shoving a 944 S2 engine under the bonnet, and the turbo from the 944T model? both mechanically the complications and what insurance companies would make of it. could i not just get away with telling them nothing? after all it would still be a 944-of sorts!""

How much does car insurance cost for 18 year olds?

I am a male, i got my license around 4 monthes ago. I am 18 years old live in NY. I am planning on buying a car and i would like to know what is average price of insurance. Because my parents telling me i will be paying like 600 a months or something like that. I am planing on getting 2007 infiniti G35. I never owned a car and never was insured. So i dont have any idea about it, except friends and articles online. So if somebody can, please tell me what would e the insurance. Thanks""

What is the best student health insurance plan in Florida?

What is the best student health insurance plan in Florida?

How much would car insurance cost for a Mustang GT.?

I am 16 years old Never had a accident Live in a pretty big city 2012 Ford Mustang GT

Car hit by uninsured driver - how to recover the costs?

My stationary car was hit by an uninsured driver in March 09. The insurance company made me pay 500 excess and said that this will be fully recoverable as the other driver was at fault. The car was then written off and I was paid the value of the car. In December the other driver was found guilty of driving without insurance, fined and given penalty points. Even though my policy gives me legal cover, it has now been 11 months since the incident and they do not seem to be very active. Also, my policy expires next month and as the claim is still open, the insurers assume that I lost my no claim bonus and quoted me twice as much for the renewal. I'm confused now, is there anything I can do to get my 500 back? I hope you can give me any ideas on what to do. Thanks""

Auto Insurance Increase?

My family lives in New Mexico and my son is planing on moving to Arizona I want to keep him on my insurance but when he changes his drivers license to the state of Arizona will my insurance go up?

Do any insurance companies do SEASONAL motorcycle insurance?

I am deploying at the end of the summer and was curious if any insurance companies do seasonal or monthly insurance. I live in NJ so if you know of any place that does this please let me know. I tried riders insurance and progressive already. Thank you

Is it true that in MA your first ever ticket doesn't count against your auto insurance?

Is it like the first ticket is a wash/freebie? or does it raise your insurance points and rates regardless?

What is the day to day of a Commercial Insurance Broker?

I am interested in becoming a wholesale insurance broker as a career and would like to here from those that know about the current day to day life of someone in this position.

Need insurance and sr22 for suspended license?

A friend of mine lost his license for driving without insurance. He needs to get insurance and provide an sr22 to get his license back. We live in Ohio and are having a hard time finding any kind of affordable insurance plans. Any ideas? What is a good price for min. state coverage, anyways? Thanks for the help.""

Would the car insurance cost more than this car?

I'm thinking of buying an old car for $300 maybe a bit more I have my eye on a few cars like a Vauxhall. I heard car insurance is very expensive maybe a months cost of insurance will cost more than the car?!?! What price i'm I looking at?

Mark Center Ohio Cheap car insurance quotes zip 43536

Mark Center Ohio Cheap car insurance quotes zip 43536

https://www.linkedin.com/pulse/fort-mcmurray-dui-insurance-quotes-fiona-summers/"

[buyflexbelt]

All Dogs Need a Job: How to Keep Your Dog Happy and Mentally Healthy

Mary P. Klinck DVM, DACVB is author of the chapter"All Dogs Need a Job: How To Keep Your Dog Happy and Mentally Healthy," from"Decoding Your Dog," a highly acclaimed publication by the American College of Veterinary Behaviorists on dog behaviour.  As part of Goodnewsforpets 20th Anniversary and in celebration of Take Your Dog to Work Day, we're highlighting this column by our archive.Can you tell us how you chose to be a veterinary behaviorist?

Mary P. Klinck DVM, DACVB with Meike.

I became a veterinarian because I adored animals and could not think of another career that would be as rewarding.  I developed a fascination with the science of animal behavior and learning for a pupil, and a veterinarian, I observed that a number of my patients had behavior issues or could at least gain from behavioral management.  Once left unaddressed, and/or mismanaged (even by people with the best of intentions), behavior problems worsened, damaging the relationship with the proprietor.  This really drove home to me the importance of the area of veterinary behavior.

What do new owners overlook most before purchasing a puppy that later leads to destruction in the house?

Many pet purchases are impulse buys.  A purchaser can be carried away by just how cute the puppy seems and neglect to think about what it'll be like when it grows up (bigger, stronger, more active, etc.).  Behaviors which are cute in a pup (chewing, jumping up, barking, pulling on a leash, etc.) tend to be unacceptable in a dog.  People may also not look at the depth of the commitment when getting a puppy or dog.  Dogs may live well into their teens, and also an owner should know that they will have the time, physical and financial resources, etc., to look after a dog for his entire life.

All dogs have physical demands (like exercise, toileting, eating, drinking, etc.), however, people sometimes forget that they also have behavioral needs (for social interaction, mental stimulation, etc.).  A dog also needs help learning how to behave in and out of his home and what's secure and what is not in his environment.  If the owner isn't meeting the puppy's behavioral needs, he will find an outlet for them independently.  The result might be pretty undesirable!

People also often select a puppy or puppy based on the look of the breed or on a romanticized idea of exactly what the breed/dog would be like.  Think about that:

(a) How a puppy of a given breed is shown on TV, at the movies or in books Isn't necessarily the way that strain (or any actual puppy ) will be;

(b) Breed fanciers, books or web sites may Emphasize the positive qualities of this strain, but may not mention temperament, activity level, or other features that could be challenging for an average proprietor;

(c) Dogs of a specific breed can vary markedly.  By way of example, dogs bred to work (hunt, herd, do military/police-type actions, etc.) are typically very active and require significant exercise and mental stimulation.  Dogs of the identical breed, bred for conformation or puppy functions, may be a lot less work to get an operator.  Dogs bred carefully and selectively for certain traits of this breed also differ from those consumed by so-called"backyard breeders" or puppy mills.  Nonselective breeding makes for much more variability and you also may not get what you expect!

Keeping in mind activity level, can you suggest some breeds you would recommend for a retired couple who want to travel and take their dog ?

An individual ought to be careful making assumptions about a puppy based on its own breed, since the individual might not be typical of this breed.  It's probably most important that the dog be comfortable in changing environments and meeting different people and animals.  These characteristics are not specific to particular breeds but could be decided by getting an adult dog whose character is somewhat understood or a pup whose relatives' personalities are known.  If the retired couple is looking for a quiet dog with limited exercise needs, they likely wish to steer clear of terrier types (which are often quite busy ), and other breeds with high workforce, such as herding (e.g., border collie) or some sporting dogs (e.g., German short-haired pointer), or any dog from working lines.

When one adopts a rescue dog what kind of socialization pattern do you recommend originally?

Puppies go through a sensitive period for socialization when they're developmentally prepared to learn about what is safe and what is not in their own world.  This really is between about 3 and 12 weeks old.  If one gets a puppy, the owner should benefit from that period.  If a person adopts a dog which has passed this age, socialization will not have exactly the same impact on the dog's behaviour.  An older puppy or adult dog can learn from his adventures but he is not as a"blank slate."  Attempts to socialize a dog may not be appropriate if he's already fearful of, or even competitive toward, certain people or animals.  If that's the scenario, it might be best to seek out the help of a veterinary behaviorist.

Socialization refers to controlled optimistic (not impartial, and certainly not unpleasant) vulnerability to various individuals, animals and environment, so the puppy learns that meeting new people and going to new areas is nice, not scary.  It also involves avoiding anything which may make the puppy feel anxious or frightened.  These principles may also be applied to introducing an older puppy or adult dog to new people and dogs.

Having a new dog, introduce people, creatures and encounters gradually and in a controlled manner, to see the way the dog handles them.  Examples of things to prevent, at least initially (since they may be overwhelming to your puppy, and so a terrible experience), are: taking him to the dog park (too many excited dogs might snore on him) and taking him into a block party (too many adults and children for one to restrain his encounters with them).

To prevent forcing a preconceived protocol in your recently adopted rescue dog, how long should you give it before deciding a course of socialization?

Part of keeping good social behavior is planning interactions with people and animals, and tracking themto promote positive experiences and avoid bad ones.  This means introducing the dog to people and to animals you know will not hurt or scare him.  With a new puppy, one might not have to wait long to have him meet creatures and people outside the household.  When he seems quite settled in his new home (which may be when the afternoon after he arrives), then you may start arranging for him to meet some of your pals and their (dog-friendly) dogs.

When family members work or are in school all day, do you recommend choosing a dog walker through the day to maintain a puppy aroused?  And, if so, is it better to hire a walker that might be bringing other dogs along or if he/she go it alone with your puppy?

This will be dependent on the puppy's age and toileting needs, as well as his or her temperament.  A young puppy will need to have regular toileting opportunities (because he can not be expected to"hold it" for more than the number of hours equivalent to the number of months of age, and one).  If you're thinking about a dog walker for an older puppy or dog, that person ought to be carefully interviewed to determine what he/she will do with your dog.  For example, will he/she walk him or let him out to relieve himself and then play with him in the lawn?  Will he/she bring different critters together?  How many, and will they be the same individuals?  Consider whether this will be a positive experience for your dog.  Remember that multiple dogs imply a higher chance of fights/injury and that your pet walker will not be able to devote as much individual attention to your dog.  It's also important to figure out the puppy walker's coaching plan and also to make sure he/she isn't likely to become disciplining (punishing) him inappropriately.

If you should invent 1 dog toy which would address several behavioral problems what would it be?

There's no single dog toy that can provide a fast cure for many behavior issues.  However, interactive toys (such as food puzzle toys that produce the dog function to get his treats) can certainly help to use up excess energy or occupy your pet when you're busy.  Various types of such toys exist, and dogs have individual preferences (one toy does not fit all).

Retired racing greyhounds make great pets and many become consummate couch potatoes.  Is there an action and surroundings you recommend for new owners to interact and socialize with them in the general public?

Groups which adopt retired racing greyhounds frequently require the puppy not to be off-leash except at a fenced-in area (to avoid the dogs from becoming hurt or lost if they take off after something they see).  Otherwise, owners can do exactly the very same things they want with another type of dog, depending on the individual dog's character.  Owners of retired racing greyhounds may also be able to network with other greyhound owners to get group actions.  Play dates with dog friends in a fenced yard or other place, are great.  Walking on leash or more structured dog activities such as nose or agility function are other options.

Because many owners are fair-weather forms, what do you recommend if their exceptionally sociable dog that's been walked every day in spring, summer and autumn, suddenly finds itself relegated to the house for extended hours, becomes bored and begins destructive behaviour?

It is important to pre-empt this kind of scenario by foreseeing the dog will require something to perform.  On days when the weather prevents the owner from taking the dog out for exercise, interactive activities with the proprietor (s) are a good substitute.  You can think of it as taking time you would typically spend on the walk and spending it upon play or reward-based training in the house (for instance, you could try suggestion coaching ).  This provides exercise, mental stimulation and interaction on you, just in a different context.  You can even supply independent activities for your dog (for instance, giving him food mystery toys).  And there is also the choice of classes in a doggy activity that interests you both.

Is there anything else you would like to add?

When getting a puppy do lots of research to be certain you are getting one that will complement your lifestyle.  Place him up for success by planning ahead to meet his behavioral needs.  This means giving him acceptable ways to make use of his mental and physical energy and assisting him to grasp the way to behave correctly by showing him what to do and rewarding him for his efforts.

To purchase a copy of Decoding Your Dog click here.  To find out more about the College of Veterinary Behaviorists, visit www.dacvb.org or see us on Facebook at dacvb.

The advice offered in this Goodnewsforpets ACVB Helping People Help Their Pets columns is for informational and educational purposes only and isn't meant to replace the services of a veterinary behaviorist.  The information must also not be construed as a recommendation by the ACVB or even Goodnewsforpets.com for almost any course of action about veterinary medical or behavioral guidance.  The editors, writers and publisher disclaim any responsibility for negative consequences resulting directly or indirectly from information in this column.

Originally posted March 2015.  Re-posted December 2019.  All Rights Reserved.

ACVB is publishing a new book: Decoding Your Own Cat.  Click here to browse more.

[thinking-outline]

#thout #thinkingoutline

“I Take Responsibility” and the Limits of Celebrity Activism

The current cultural moment is one whose urgency feels particularly ill-suited to the sort of vapid pageantry on display in the video made to promote the “I Take Responsibility” initiative.Source: Confluential Films / YouTube

Hollywood is perhaps one of the last places to look for inspiration—practical, emotional, or otherwise—in times of crisis. Still, our gilded class’s response to the societal shitstorm that has dominated our minds and screens for the last four months has felt notably unfastened. In April, the comedian and talk-show host Ellen DeGeneres made headlines when she joked that life while quarantined in her ten-thousand-square-foot Beverly Hills mansion felt like “being in jail.” The same week, the Times reported on the four hundred inmates being held at Rikers Island for minor parole violations, despite a worsening pandemic. The inmates included Raymond Rivera, a fifty-five-year-old man who, after having his case delayed several months, contracted covid-19 in jail and died the day after state officials lifted the warrant against him. As public sentiment has turned from coronavirus-induced fear to sadness and anger following the tragic killing of George Floyd by a Minneapolis police officer, the celebrity response has ranged from milquetoast to head-scratching.

In a video shared to Instagram on June 2nd, the movie heartthrob turned Silicon Valley financier Ashton Kutcher choked back tears as he recounted a pre-bedtime conversation that he had with his two young children. He explained how his son wanted to be read to first, but Kutcher told him that his sister would go first because “for some boys, girls don’t get to go at all.” The story was meant to serve as a poignant and instructive allegory for the scores of Instagram users who had commented “All Lives Matter” under a recent post of his where he had opined “BLM.” Around the same time, Virgil Abloh, the artistic director of menswear for Louis Vuitton and the founder and C.E.O. of Off-White, was being memed into a fine dust after posting a screenshot of his paltry fifty-dollar donation to a bail fund started by the Miami art collective (F)empower. And, on Thursday, a two-minute video for an initiative bluntly titled “I Take Responsibility” joined the ever-growing canon of the unsought celebrity P.S.A. The video features a coalition of white actors and entertainers asserting their culpability in perpetuating anti-black racism. Filmed in a sombre black-and-white and scored with saccharine piano, the spot shows Sarah Paulson, Stanley Tucci, Kesha, and others vowing no longer to “turn a blind eye” or “allow racist, hurtful words . . . to be uttered in my presence” and “to stand against hate.” The Web site for the initiative allows visitors to decide which vice they feel most guilty of (“Saying racism doesn’t exist,” “not being inclusive,” etc.) and to “make it better today” by pledging to do things like “donate to families affected [by racism]” before directing them to various organizations and petitions. Elsewhere, many celebrities simply invoked proverbial, and often literal, “prayer hands” emoji (🙏)—a de-facto “get well soon” to society and all its ills.

The missed notes have been particularly grating in the pop-music world, where many stars have built careers and amassed huge profits working within black musical traditions and selling their work to black audiences. As black communities are being disproportionately decimated by the coronavirus and black people continue to die at the hands of law enforcement, there are some who feel that figures like Drake should use their gigantic platforms to do more than, say, offer a fan the chance to fly on his private jet. (On June 1st, Drake was challenged by his fellow Toronto artist Mustafah the Poet to match a four-hundred-dollar donation to a black bail-fund network. The rapper reportedly replied, “Say less, brother,” and posted a donation receipt for a hundred thousand dollars.)

A similar desire to push industry leaders toward more decisive action in combatting anti-black racism is likely how #TheShowMustBePaused was first conceived. Led by Jamila Thomas and Brianna Agyemang—two black women who have worked in executive roles at major record labels—the initiative was meant to be an industry-wide day of observance for “the long-standing racism and inequality that exists from the boardroom to the boulevard.” According to the stated mission on the project’s Web site, the women hoped that this day of reflection would be a positive first step in the effort to “hold accountable the industry at large . . . including major corporations and their partners who benefit from the efforts, struggles and successes of Black people.” On Tuesday, June 2nd, scores of artists posted black squares on their Instagram feeds, often alongside the hashtag #BlackoutTuesday. Nearly all the major music labels observed the blackout, and explained, with varying levels of specificity, what a continued commitment to this mission would look like at their respective companies. The trend was quickly picked up by many people outside the industry, too. And, somewhat ironically, the flood of black-square posts ended up saturating the #blacklivesmatter tag on Instagram, displacing resources and information that some organizers had been compiling for years. By Wednesday, it was back to business as usual on many artists’ feeds—after all, there were deluxe-edition albums to promote.

The current cultural moment is one whose urgency feels particularly ill-suited to the sort of vapid pageantry that typically constitutes the “socially conscious” arm of a celebrity’s public-relations repertoire. Given all the vested corporate interests that celebrities have, and the timeworn tradition of rewarding famous people for the appearance of political integrity more than its actual presence, it’s wishful to expect every musician with more than a million followers to be schooled in the perils of systemic racial inequality, much less to be equipped to speak publicly about it. In fact, it would probably be in our collective best interest that not all of them did. Still, one hopes that, among the faction of the highly followed and highly influential who were jumping to post black squares and vague sentence fragments, there are some who could use their visibility to do more. The increased pressure on artists to monetize their personal brands and the subsequent professionalization of social media have turned these solipsistic Internet spaces into de-facto storefronts for mini corporations. Sadly, it seems that many of the famous names behind these accounts have also adopted the sort of risk-averse, politically opaque rhetoric favored by Fortune 500 companies—opting for tepid platitudes and lazy hashtag activism in lieu of more resolute (and potentially alienating) public displays.

The tiptoeing of the entertainment industry’s biggest names has been made all the more conspicuous by the activity of their less popular peers. Throughout the coronavirus pandemic, and now in the wake of the George Floyd murder and other police-related violence, smaller and independent artists have used their reach to compile and disseminate resources like recommended viewing and reading lists (flawed as they may be), to amplify the work of organizers, and to publicize bail funds to donate to in support of the many protesters who have been arrested in cities across the country, and they have gone to protests themselves. Corpus Family Mutual Aid Fund, the initiative started by the New York creative collective affiliated with the Queens hardcore band Show Me the Body, has amassed more than twenty-two thousand dollars in just over a month, with the bulk of proceeds going to members of the New York City D.I.Y. music scene who have been financially affected by the coronavirus pandemic.

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Of course, not all of the ultra-famous have blown hot air. Various high-profile figures have disrupted their seemingly endless promotion cycles and retrofitted their social channels to speak pointedly about the current moment. One such figure is “Star Wars” ’s John Boyega. Despite apparent pushback from some of his fans, the British actor, who is of Nigerian descent, has been very outspoken in disparaging racism and brutal policing and has voiced support for protests around the world. On June 3rd, a video of an impassioned Boyega addressing the crowd at a large Black Lives Matter demonstration in London circulated widely online. Elsewhere, figures such as the Chicago rapper Noname, whose popular online book club has highlighted titles by Frantz Fanon, Paulo Freire, and Octavia Butler, have continued to use their platforms to galvanize their following and espouse their unequivocal beliefs. Some celebrities who in the past had been perhaps overzealous in exploiting their soapbox (ahem, Kanye) even seem to have stepped back and taken a more measured approach this time around.

What shouldn’t be overlooked is the work that plain old non-celebrity people have been doing. Within the past few weeks, funds for, among other causes, pretrial bail for trans people being held in New York City jails, George Floyd’s young daughter Gianna, and Ramsey Orta—the man who filmed the murder of his friend Eric Garner in 2014 and was released from prison this year—have been flooded with contributions. Bail-fund organizers in particular have seen an unprecedented spike in support in recent weeks. Many people have been posting receipts of their donations and challenging friends in their network to match them.

What these examples show is not that every single celebrity has to commit to leading the revolution but what can happen if these platforms were treated less like public-relations buildouts and more like the powerful communication channels and resource vectors that they are. Ideological fluffiness on the part of people with huge online followings can be at its best a wasted opportunity and at its worst deleterious to more substantive activism happening on social media. A #blacklivesmatter post on Jennifer Lopez’s Instagram page reaches an audience larger than those of most regional television stations. And although reposting an aerial video of a street mural is nice, it lacks the efficacy of a bail-fund link to free those arrested while marching across it.

[neshatriumphs]

Don't Make Me Over 35

*Just realizing that I hadn’t put up the last couple of chapters in this space, but since I’m trying to finish up my fics, gonna go ahead and add these on my tumblr. Thanks.*

Sam was strumming his guitar and singing, or humming, or lipping words. He had a few days off of work. He spent them trying to find something to do around the house. He found out that Jonesy's people did all of the stuff around the house… and that they hung all around the house… all the time. Did Unique take on their home as a studio to work from until getting a new one? He wondered as he looked at her, lying on her belly on the loveseat while Jonesy was on her back on the couch. They were discussing their contracts, filming schedules, travel arrangements, maternity leave… "And we have candidates in place for nanny services when you return. You just need to make a decision."

"Oh!" Sam finally interrupted, "Nanny services?" He repeated, eyes on Jonesy instead of Unique.

Unique answered, "Now, before you try to go off on some tangent about nannies not being a good resource or children need their mothers or wherever you're intending to go with that look of disdain, let me tell you – women who can't afford nannies oftentimes spend less time with their children than the women who can… and those women often get less done around the house. Mothers have a full time job with a nearly impossible workload. A nanny is simply an additional pair of hands so that a mother does not have to compromise her career or other responsibilities while she raises her children."

"Mrs. Baylock said she was an extra pair of hands," Sam said.

Jonesy furrowed her eyebrows and shook her head, "That's only frightening if your baby is the Antichrist." She noted Unique's confused face, "Omen reference."

"I don't want to know your obscure movie references," she told her.

"Obscure? Movie is a classic!" Sam muttered, plucking his guitar strings a little harder than before.

"You do love the classics, don't you?" Unique asked with a smile. Sam threw her a look and she shrugged. "It's not the old days anymore, Sam. Jonesy can actually have a highly functioning career AND be a great mother. Have you ever seen Beyonce? Of course you have. That child looks loved as hell. You don't understand what a nanny is and what she does is the problem."

"Unique is providing the nanny as a perk of my job, Sam. So, it won't cost us anything extra and like she said, I will be around the baby more than anybody else in the world," Jonesy told him, rubbing his hair, as she did. He leaned into her petting, though his face still wore a sour pout, so she continued to coax him. "Think of her time with the nanny like time with a babysitter or time with a family friend or even time in a classroom. Some people send their kids to daycare so they can work. Mine will be relatively close, sometimes even on site and her caregiver won't even have to tend to any other children."

"I don't really like the thought of daycare, either. I mean, at least until its time for her to go to school, she should be at home with her mother."

"Her mother won't be at home, but if you feel that strongly about it, there is a such thing as a stay home dad," Unique reminded him. Sam furrowed his eyebrows even more. "Oh, so you want somebody to stay with the baby – just not you. Alright. Anyway…" Unique rolled her eyes and sat up, to scoot closer to Jonesy with the information. "If Jonesy tells me that she doesn't want a nanny and she wants to be at home and simply on call for times that I need her, that is fine. But Jonesy told me and we have been arranging that she wants to work, full time. She wants to travel with me for the long haul. I don't want to do it without her, but I will if I have to."

Jonesy waved a hand, "No, you don't have to. Why would you have to? I have a free nanny." To Sam she said, "We discussed this. I mean, we discussed that I wasn't going to quit my job. Remember? We couldn't afford it and I didn't want to."

"But, we didn't discuss a nanny, though," Sam said. "With all of the things that have happened, I just… honestly don't trust anybody." He shook his head and shrugged. "I mean, I can work out things so that my schedule lines up with when you won't be around so that I can watch her."

"Then, we wouldn't see each other and she wouldn't see the both of us, at the same time. Sam…" She looked at Unique, "Can we talk tomorrow?"

"Of course, Hunny. I'll be here, as always." She collected her things and rushed out.

"It feels like you're planning out the baby's life without me, again." Sam set the guitar aside and got up to sit on the couch, by her. She sat up, too. "It's not about the time or the plan or the person… well – it kinda is that too, but… this is OUR baby. We've discussed this."

"That's not what this is, Sam. This is my career. I was working on the plan and trying to get everything figured out before coming to you, Chief. I wanted it to sound as appealing as humanly possible before bringing it up, because I knew that you wouldn't like it, but I also know that its going to be excellent for me and it will not disadvantage her, at all. Not in the least bit. I'm not hiring a nanny so that I can spend summers in Tahiti or something. I'm hiring a nanny so that I can run errands, cook, clean up, and do makeup without carting Babycakes in a pouch on my chest." She held her hands out, "I've been collecting instances of children raised with nannies who have better relationships with their mothers than children raised by their mothers without nannies. I mean, both of these things can work, I'm not saying that kids with nannies are better off, at all. But not getting one isn't really going to work for me."

He looked at her sad eyes and nodded his head. "You're right. And I believe you. I don't think you were trying to plan things without me. But, now that its on the table… I… What can you tell me that might help me feel more comfortable about Cakes being with some stranger?"

"Only that everyone is when they're little. Do you know how many people I trusted in my youth that didn't mean me any good? But, my mom and dad couldn't protect me from everything, all of the time. It's reality, as hard as it is. But, she will not be on a battlefield. She'll be nearby. I will see her. We will be in each other's company, but if Cakes cries while we're recording, I have someone who can step outside with her. If… I break out in a rash, I have somebody to make sure she's not exposed to it. My intention is that the nanny can literally have whatever life she wants, outside of my schedule for her. Within that scheduled time, if I finish Unique's makeup and want to take my daughter out for a sundae, I can. But if Unique has a bruised nose from falling over and I have to spend hours making her look like she'd never seen a bruise a day in her life, I have that opportunity, as well."

"The nanny sounds like she'd be doing my job, while I'm at work…" Sam said.

"But, she won't be. She'll be doing the jobs that we don't have enough bodies to do while we do what we can and have to with the bodies that we have. We're getting her now, so that she can meet the baby on site. So that she can become familiar with the woman who will be telling her how to help out with her child and so that you can size her up, yourself."

"Wait… there's gonna be a nanny before the baby even gets here?" He said, shaking his head.

"Yep. This will be like her pre-field training. Knowing the parents and what they like and need is an important part of being able to know what the child will want and need, while she's in her care. I wish that there was some kind of movie about a good mother who had a nanny. They totally exist and I'm totally going to be one."

"Well, maybe one day, they'll make a movie about you," Sam commented.

"There's not enough film in the world to cover my story… wait… does that mean that you're on board? Even without the presentation of my evidence?" She asked, with a wide grin.

"I trust you, Jones." He gave her a kiss on the lips. "I think you won me over with the I can size her up, myself." He nodded and Jonesy covered her face.

"This poor woman is not going to have a chance…" She mused.

"This is the kind of thing you need to have a damn competition and show for," he muttered, which made her giggle for a moment. Then, she stopped and thought for a moment, then pulled herself up and rushed off, with her cell phone. "Um… Jonesy?"

His arms were folded when Mercedes opened the door for the young lady. "Hi, Mercedes! It's so good to see you again! And this handsome man must be Sam," she said and held a hand out to shake his hand. He accepted it and she introduced herself. "My name is Bree. Thank you for your consideration in this competition." Two more women joined them, within a few moments and the cameraman from Unique's show came in to set up some cameras while they held a group interview.

Jonesy treated it very similar to how they had treated the auditions for the show, welcoming the women, "In this age of reality television, and in my quest to find the best nanny for me, we had this fun idea to make a little web show of the process. As you have all agreed on the application, we now have the cameras rolling. For the moment, our bedroom is off limits, but all of the other rooms have cameras and we'll be reviewing them, as well as watching you ladies during this time. It's only three weeks. I am due in one week, if things go as planned. Two of the weeks will have Babycakes on board, or should. I hope you all make the most of it."

Sam didn't have much to say. He was in complete support of the cameras and the scrutiny, for the purpose of finding someone trustworthy enough to look after their baby in a matter of weeks. Being engaged to an online sensation meant that sometimes, life was looked at very closely, anyway, but looking at other people closely for this was something he could agree to.

Ryvie Jones and Mary Evans were around. Any day now, Jonesy would go into labor. Renee Stobb took charge of things, as best as she could, mostly by going through all of Jonesy's already best laid plans and making her own schedule to reflect that. "Jonesy is ridiculously organized and everything has already been thought out. I feel that I need to be ready to place my life on hold and sync my world with hers if I really want this thing."

She shook her head and laughed, annoyed, "Bree spent the entire afternoon playing games with her little sister."

Bree and Ra were sitting on the floor and Bree told her, "Awww, yours looks better than mine! What's all of that? Right there?" She pointed to the finger painting.

"That's ice cream!" Ra cheered.

"Ice cream? I LOVE ICE CREAM!" Bree cheered. "Hey… I wonder if your mom and sister will let us get some. What do you think?" Ra smiled, excitedly and Bree took her hand. "Come on. This is how you ask, nicely, okay?" She asked Ryvie, "Mrs. Jones, if Maserati and I clean up our mess really good, will it be okay for me to buy us some ice cream?"

Ryvie stared at the girl for a bit, then nodded, "If you two clean up all of your mess, Miss Bree can go get you some ice cream and bring it back here. But, you have to help her out, like a big girl, okay?" Ryvie told her toddler, who rushed to follow the instructions while Bree wondered, "So, what kinda ice cream you want me to bring you?"

Bree smiled and told the camera, "I want to be the nanny. I love the ladies. I love their web shows. I loved the Diva Experience. Jonesy's makeup art. Unique's drag. I love all of this stuff. But, I also love hanging out with kids. This job, if I can get it will be someone that I admire in an industry that I adore paying me to do a thing that I love." She traced a circle with her finger, "Full circle win, if I can somehow get this."

The other woman, Mack, was Unique's former personal assistant. She said, "My job became less necessary after Miss Jones came into Unique's life. I still ran some errands and kept up with the studio maintenance - being sure that things were organized and clean and accepting deliveries and keeping up with inventory. But, I lost my job when we lost the studio, so this is going to be very helpful to me. I already have an established ongoing rapport with Miss Jones and I have experience being that extra pair of hands that they speak of…" She frowned, "I don't have much luck with babies, but that's what this training is for, right?"

Sam said, "It's… not training. This is your interview."

"Well, I mean, I can DO babies. I just haven't assisted in the helping with babies department yet. I'm a renaissance woman. I can multitask and I'm a quick learner…" She bit her lip. Sam already looked unimpressed.

He frowned at the camera while Mercedes simply laughed, "She is getting a kick out of this. Not one of these women are right for the job."

"They ALL have their skills," she said. "He's being unfair."

"Babycakes, when you watch this, know that it was your mama's doin,' that you ended up with whatever nanny you'll get stuck with." She laughed even harder, now.

Renee was reading up on doula training made easy while Mack was memorizing the game plan for when Jonesy went into labor. Sam looked at Bree, on her phone and asked, "What are you working on?"

She furrowed her eyebrows and answered, "I'm not working on anything. I'm playing Candy Crush."

"You're... Do you realize that you're in a process to try to get a job?" He asked.

"Of course," she said, stopping her game, "What would you like me to work on Mr. Evans?" She smiled brightly, awaiting instructions.

"I didn't have like anything in mind, particularly. But, the other two ladies are doing their thing," he informed her.

She glanced at them and nodded as she whispered, "They're a little behind. Unique announced that Jonesy would be looking for a nanny months ago! Renee was not familiar with Jonesy, at the time and Mack was familiar, but did not qualify for the job, therefore didn't make any attempts to learn any information. You know why I'm here, Mr. Evans? I am here, because the moment that announcement was made, I contacted the studio with my credentials as a long term neighborhood babysitter, my qualifications as a doula, my work experience in three births, to date and a few years of daycare services, from my own home... complete with references. Neither of these ladies want this job more than me and neither of them are more qualified. I will do whatever you ask me to, but in the meantime, if you've got nothing, I'm really obsessed with Candy Crush."

He folded his arms, "All of that was in your file?"

"I haven't seen my file, but I sure hope so," she said with a smile.

"You're like... 18..."

"You are so sweet and cute, Mr. Evans!" She said and wrinkled her nose, returning to her game.

He shuffled his way over to Jonesy and she was looking miserable and rubbing her belly. "You okay?"

"I'm crazy. This was a terrible idea. Why did I decide to do this?" She asked.

"You're impulsive," he answered honestly.

"I am so damn mad about that fact. I don't want these people in our house and I'm tired of looking at their faces." She grumbled. "But, I can't pull the plug. That'll make me look bad."

"Look bad? How? You have literally, in the past year been violently assaulted (more than once), going through a pregnancy, started a new job, completed a major project, had your workplace burn down, and had a seizure. That has all literally happened to you within a year's time. How are you going to look bad for finally getting tired?" He asked. She shrugged. People would say things. She already knew they would. "I'll shut it down, if I have to. I will go in there right now and say 'Bree won, everybody go home,' if I gotta." She raised an eyebrow.

"Bree? Hmph." She rolled her eyes.

"She's the most qualified, isn't she? Doula and daycare and all that stuff? I don't know, unless she lied, because I didn't see any of that in her file. I combed through those files."

"Nothing to do with her being young and supple and pretty," she commented.

"And nothing to do with a what? She's alright, I guess. I wasn't paying attention. I had my Daddy Glasses on, trying to find my daughter's nanny. But lemme see," he turned and looked at Bree, sized her up and jokingly blew out a whistle. "You're right, Jones. She's got the goods, huh?" The face that she gave him was enough to slay him, but for some reason was met only with his chuckling. "Oh, so you wanted to try to prod me, but you didn't want to hear that. What did you want to hear, Babe? She's invisible outside of the paperwork that claims that she can do the job. I had my money on Stobb, but she doesn't have credentials."

"She's got credentials," Jonesy said. "They all have credentials."

"I mean to take care of a baby and slash or child. Keep up, Jones. This is serious business we are dealing with, here." He threw an arm around her and told her, "I think if you're stressed, we need to pull the plug on this. Its only an online thing and nobody is paying you to do it. You have real shows to consider, coming up sooner than necessary." He gave her a kiss on the side of the head.

"It's only a couple more weeks. Baby will be here in days and I won't even care about the cameras," she said.

"Mmhmm." He intertwined their fingers and kissed the back of her hand.

"But you like Bree, huh?" She repeated.

"I didn't say that. But, I think your mom likes her and your sister likes her. She's good with kids and people. I mean... she plays Candy Crush instead of studies, even though she knows she's being recorded. That's either sheer idiocy or she's confident in the skills."

"And she's pretty," Jonesy said. "I'm not gonna get mad if you admit that the woman is damn pretty, Sam."

"That has nothing to do with the job, though. I thought you would like her for it," he said.

"I do. I'm glad that you chose somebody. That's gonna make all this much easier," she admitted.

"But, it would have been easy if you gave me three resumes with the stuff on them and no photos!" He fussed.

"But, then you would have insisted that you had to see them in action… You're a stubborn man, Sam Evans. You don't make things easy for me."

"I try!" He snuggled against her. "I want to make things better for both of you."

"You'll be perfect. I already know it… I want a foot rub," she said and poked her bottom lip out.

"Stubborn Sam is on it!"

[my-insanity-is-irrelevant]

The same to you - all of them 🎃

200: My crush’s name is: Ryan, Eli, Claire, several others I cant name for complicated reasons 

199: I was born in: 1997/a hospital 

198: I am really: Intense weather in my calmness or excitement 

197: My cellphone company is: T-Mobile

196: My eye color is: Light green

195: My shoe size is: 9 1/2 wide (i usually have to do like a 11 for high heals)

194: My ring size is: ??????? probably big I have chubby fingers

193: My height is: 5′ 6″

192: I am allergic to: nothing unless you count idiocy 

191: My 1st car was: A blue 2007 Ford Focus and I LOVED her

190: My 1st job was: A server for Cheddar’s Casual Cafe 

189: Last book you read: How to Ruin Everything by George Watsky 10/10

188: My bed is: A king with lots o’ pillows and blankets and is very comfy

187: My pet: 2 cats, 5 kittens, 6 dogs, 2 snakes, 1 bearded dragon, 1 leopard gecko, 4 turtles, 1 bullfrog tadpole, and bunches of fish

186: My best friend: is a boy i met a month ago because i have intimacy issues

185: My favorite shampoo is: Dead Sea’s Argon oil shampoo is so good to my poor dry curls

184: Xbox or ps3: I use an Xbox to watch Netflix but I don’t play video games

183: Piggy banks are: Cute decorations but go unused

182: In my pockets: $2, some lint, a rubber band, and something weird i took out of my dog’s mouth earlier

181: On my calendar: I have nothing written in it but it has cool pictures of bears

180: Marriage is: Cool because of the financial benefits but other than that unnecessary to prove one’s love. I want a wedding though because I want a pretty dress

179: Spongebob can: Make me hate my life a 3am

178: My mom: Died of breast cancer and smoked a lot of pot

177: The last three songs I bought were? I can’t remember ever paying for music but the last three i listened to are: Cherry Wine by Hozier, Strong As An Oak by Watsky, and San Cristobal by Mal Blum

176: Last YouTube video watched: A slam poem by Neil Hilborn called Liminality

175: How many cousins do you have? I have no clue? At least 10 on each side, but i’m sure there’s way more than that

174: Do you have any siblings? 2 older brothers, 2 older sisters, ans one younger sister 

173: Are your parents divorced? They were never married

172: Are you taller than your mom? Nope! She was like 5′10′

171: Do you play an instrument? I can play hot cross buns on the recorder and thats the best i can do

170: What did you do yesterday? I slept and ate beef jerky[ I Believe In ]169: Love at first sight: No, but i do believe in lust and infatuation at first site. I think  love takes time to grow.

168: Luck: Yes like, as in karma

167: Fate: Catch me in the right mood and i do

166: Yourself: NOOOOOPE

165: Aliens: Yes

164: Heaven: No

163: Hell: Yes, it’s called Texas

162: God: Naaaaah

161: Horoscopes: I think they’re accurate generalizations

160: Soul mates: Yeah but not like the traditional; kind of way, i think we have lots of people we’re meant to be with in various ways

159: Ghosts: Yes and No i go back and forth

158: Gay Marriage: 100%

157: War:0%

156: Orbs: Idk what this is talking about but sure, ill root for them

155: Magic: No, Im a science gal[ This or That ]154: Hugs or Kisses: Hugs

153: Drunk or High: High, drinking gives me a tummy ache

152: Phone or Online: Online

151: Red heads or Black haired: Red heads

150: Blondes or Brunettes: Brunettes

149: Hot or cold: Cold

148: Summer or winter: Winter

147: Autumn or Spring: Autumn

146: Chocolate or vanilla: Vanilla

145: Night or Day: Night

144: Oranges or Apples: Apples

143: Curly or Straight hair: Curly

142: McDonalds or Burger King: Mcdonald’s

141: White Chocolate or Milk Chocolate: White Chocolate is the key to my heart

140: Mac or PC: PC

139: Flip flops or high heels: HIgh heels even though i cant walk in them

138: Ugly and rich OR sweet and poor: Sweet and poor

137: Coke or Pepsi: Coke

136: Hillary or Obama: Obama

135: Burried or cremated: Cremated, the idea of rotting creeps me out

134: Singing or Dancing: Dancing but im bad at both

133: Coach or Chanel: Idgaf

132: Kat McPhee or Taylor Hicks: ??????

131: Small town or Big city: Big city

130: Wal-Mart or Target: Wal-Mart

129: Ben Stiller or Adam Sandler: I hate Adam Sandler

128: Manicure or Pedicure: Manicure

127: East Coast or West Coast: West Coast

126: Your Birthday or Christmas: Christmas all the waaaaaay

125: Chocolate or Flowers: Flowers, preferably potted

124: Disney or Six Flags: Disney i’m scared of roller coasters

123: Yankees or Red Sox: I dont sports[ Here’s What I Think About ]122: War: Its stupid and bad and i hate violence 

121: George W. Bush: Okay, looook, i dig his paintings, okay???

120: Gay Marriage: gimme that shit i want that shit

119: The presidential election: I could be down for violence against trump

118: Abortion: everyone should have safe access to abortions, they save lives

117: MySpace: I never had one? Does it still exist? I may make one for fun? 

116: Reality TV: i dont ever watch it, i avoid it like the plauge

115: Parents: Mine were grade A shit

114: Back stabbers: What goes around comes around

113: Ebay: I use Amazon

112: Facebook: Its filled with my racist family, i avoid it 

111: Work: I watch my niece and nephew (twins) and i love it

110: My Neighbors: I don’t interact with them ever

109: Gas Prices: why so expensive pls give me break

108: Designer Clothes: catch me in wal-mart clothes i bough 4 years ago

107: College: I want but cant afford halp

106: Sports: no

105: My family: I love them but they fkn annoy the shit out of me with their political views

104: The future: stop.[ Last time I ]103: Hugged someone: My niece yesterday

102: Last time you ate: I am eating a bowl of mac n’ cheese right now

101: Saw someone I haven’t seen in awhile: I saw my sister’s in-laws last week and i loooooove them! I made slime with the kids

100: Cried in front of someone: When i found out my ex was cheating on me like two months ago

99: Went to a movie theater: Went on a date with a cute boi like a month ago and w saw Baby Driver it was so good

98: Took a vacation: The only vacation ive ever took in my life was with my ex and his family to Florida last summer

97: Swam in a pool: Less than a week ago

96: Changed a diaper: Yesterday, i change them for a living

95: Got my nails done:last summer

94: Went to a wedding: My oldest sister got married last week!

93: Broke a bone: when i was like 3????

92: Got a peircing: two weeks ago i got my nipples done

91: Broke the law: this morning when i got high

90: Texted: Im texting cute bbs  right now[ MISC ]89: Who makes you laugh the most: My boi Ryan who is a fkn idiot i love him

88: Something I will really miss when I leave home is: I already left home and only miss having someone else cook and clean because my roomates are hopeless

87: The last movie I saw: The Last Five Years

86: The thing that I’m looking forward to the most: When i can move far north and start a loving and respectful communist sex cult

85: The thing im not looking forward to: Getting up for work at 5 in the morning

84: People call me: lame

83: The most difficult thing to do is: exist

82: I have gotten a speeding ticket: i sure haven’t i’m Safe

81: My zodiac sign is: Libra

80: The first person i talked to today was: Ryan

79: First time you had a crush: i liked a boy named Antonio in second grade

78: The one person who i can’t hide things from: no one? 

77: Last time someone said something you were thinking: Ryan last night when we said a stupid Ricks and Morty quote at the same time

76: Right now I am talking to: my cat Beatrice 

75: What are you going to do when you grow up: probably cry a lot

74: I have/will get a job: working with kids!

73: Tomorrow: I will be very tired

72: Today: I am very tired

71: Next Summer: I will be very hot

70: Next Weekend: Im going to tie ppl up with rope

69: I have these pets: see 187

68: The worst sound in the world: A baby crying because they’re hurt or sad

67: The person that makes me cry the most is: my ex inbox me for his url so you can tell him hes a meanie

66: People that make you happy: My nieces and nephews and also my bff

65: Last time I cried: last night because the damn dog was so cute

64: My friends are: amazing and deserve the world

63: My computer is: slow and bad but i still love her

62: My School: was down the road from a prison, which my mom was in years ago

61: My Car: is old and smells like my mom’s cigarettes 

60: I lose all respect for people who: are racist, homophobic, sexist, trans-phobic, Islamophobic, anti-semetic, ect. 

59: The movie I cried at was: the beginning of Guardians of the Galaxy

58: Your hair color is: Auburn

57: TV shows you watch: Game of Thrones, Criminal Minds, Sense 8

56: Favorite web site: tumblr.com

55: Your dream vacation: stargazing in Alaska 

54: The worst pain I was ever in was: when i fucked up my siatic nerve in a car wreck in January 

53: How do you like your steak cooked: medium-well

52: My room is: cold and messy and covered in kittens

51: My favorite celebrity is: Harry Styles

50: Where would you like to be: on a beach in Iceland with a person playing a ukulele 

49: Do you want children: Only if i have more than one long term partner living with me 

48: Ever been in love: Yes 

47: Who’s your best friend: see 186 its Ryan

46: More guy friends or girl friends: no

45: One thing that makes you feel great is: when my cat comes to me and just lays where shes barely touching me 

44: One person that you wish you could see right now: My best friend from high school who committed suicide 

43: Do you have a 5 year plan: no

42: Have you made a list of things to do before you die: no

41: Have you pre-named your children: I want to name my kid Coraline but id also like to do something not defined by a single gender?

40: Last person I got mad at: My sister because she left the dogs inside all day while i was at work even though shes a stay at home mom and so the poor things had accidents and no one was happy

39: I would like to move to: Canada

38: I wish I was a professional: mom[ My Favorites ]37: Candy: white chocolate truffles 

36: Vehicle: vintage beatles 

35: President: Alexander Hamilton

34: State visited: Florida

33: Cellphone provider: ?????

32: Athlete: ?????

31: Actor: Nat Wolf

30: Actress: Maise willams

29: Singer: Radical Face/Hozier

28: Band: Bad Books

27: Clothing store: Wal-mart

26: Grocery store: Joe-V’s Smart Shop

25: TV show: Game of Thrones

24: Movie: Swiss Army Man

23: Website: see 56

22: Animal:  Monitors 

21: Theme park: i dont do theme parks

20: Holiday: Halloween

19: Sport to watch: does Yuri on Ice count?

18: Sport to play: no

17: Magazine: i don’t read magazines but i heard Teen Vogue is doing wonders

16: Book: The Kite Runner

15: Day of the week: Wednesday’s Child is Full of Woe

14: Beach: wherever i was in Florida 

13: Concert attended: Warped Tour 2015 there was a band called Onwards ect. it was so good

12: Thing to cook: homemade flour tortillas 

11: Food: Cheese enchiladas

10: Restaurant: This cute little place named Marianne’s thats down the road from my house she makes the best tamales 

9: Radio station: 94.5 The Buzz

8: Yankee candle scent: Clean Linen 

7: Perfume: i dont

6: Flower: Lilies 

5: Color: pink

4: Talk show host: Steve Harvey

3: Comedian: John Mulaney

2: Dog breed: Pit Bulls

1: Did you answer all these truthfully? 100%

[davidrmcqueen1985-blog]

Financial Samurai 2019 Economic Outlook And Personal Goals

Happy 2019 everyone!

With my 2018 finishing with 3.8 4.0 out of 5.0 stars, I've thought long and hard about how I can make 2019 better. I've found a solution.

My 2019 theme is: live the good life. If you live the good life, how can life not be better?

Some people like to tighten their belts during economic uncertainty. I used to be one of those people in 2008-2009. But after a raging bull market since 2009, I feel it's OK for my family to start spending more on life instead of letting our investments piss away our wealth.

Besides, if panic increases, there will be lots of things going on sale. Let's first discuss my outlook for 2019 and then I'll go over my goals.

Financial Samurai 2019 Outlook

Things are uncertain, to say the least. From policy errors by the Federal Reserve to trade wars by Trump to a drastic slowdown in corporate earnings growth (20%+ down to ~7%), we are facing many headwinds in 2019.

Despite the 4Q2018 sell-off in the stock market, JP still wants to raise rates another two times in 2019 to keep inflation at 2%. There's an old saying on Wall Street: don't fight the Fed. You will get run over.

If the housing market is weakening, the stock market is correcting, and if the labor market softens given companies are now 20% less valuable on average, it's baffling why the Fed thinks inflation will accelerate in 2019.

The good news is that 4Q2018 has baked in a lot of the negatives. Valuations are now at around historical averages and expectations have been reset. And unless JP is a complete idiot for going to Princeton and Georgetown, he will probably adjust his interest rate stance if we enter full bear market territory. And let's put things in perspective, a -6.4% year for the S&P 500 is not that bad.

The question everybody needs to ask themselves is whether the equity risk premium is worth taking. If you can get a 2.45% risk-free rate of return or pay down more expensive debt (mortgage, student loans, credit cards), is it worth taking risk in equities to maybe make a potentially greater return?

My answer is no. Give me a 2.45% – 5% guaranteed return any day while the world recalibrates. The stress of trying to make perhaps a 10% return in the stock market is simply not worth the premium since there's probably an equal chance stocks will go down. The peace of mind of a risk-free return should not be under-appreciated, especially if you have more certain ways to make money.

Of course, there are no guarantees. Therefore, my plan is to keep my existing public investments just the way they are (45%/55% stocks/bonds) and use my monthly cash flow to pay down debt and invest in a 70%/30% ratio. At the very minimum, my Solo 401(k), SEP IRA, and son's 529 plan will all be maxed out. If the S&P 500 gets back to 2,800+, I will be aggressively selling down more stocks.

I'm in the “low interest rates for life” camp. Once again, I don't see the 10-year bond yield finishing over 3% in 2019. This is a risky call since the 10-year bond yield is not far away at 2.75%, and reached as high as 3.2% in 2018. But this call simply means the yield curve will continue to flatten as the Fed stubbornly continues to raise rates, leading to a recession by 2020.

Given it takes 2-5 years for real estate cycles to play out, I see further weakness all year in expensive coastal city real estate markets like San Francisco, San Jose, Seattle, LA, San Diego, Boston, New York, and Washington DC. Cities with unlimited land for expansion like Las Vegas, Dallas, and Denver are likely going to continue weakening as inventory surges higher. The heartland of America will not be immune to a real estate slowdown unfortunately.

The positive in real estate is that mortgage rates will continue to stay low. With rising inventory and low interest rates, affordability will increase and bring in new buyers. There might even be a refinancing boom again. I don't see a real estate crash like the stock market crash of 4Q2018. Instead, we'll see a soft landing as prices slowly decline by another 5% – 10%.

Finally, I predict more people than ever will generate new income sources beyond their day job. Whether it is starting a website or investing in assets that are countercyclical to the stock market, people will no longer take their job security for granted.

Only the misinformed believe a large correction in stocks has no bearing on future corporate employment decisions. You must always be forward-thinking when it comes to investing.

Buckle down folks! If you do not get your finances right in 2019, you might end up losing years worth of time and effort. 2019 is not the time to be a hero. Instead, 2019 is the year to bullet proof your finances by earning more based on what you can control.

A possible scenario to be aware of by 2020 according to Nomura

Financial Samurai 2019 Goals

1) No gray hairs, no chronic pain. I've learned over the years that our body reveals our true stress level no matter what we do or what we say. My goal is to keep things like sciatica, lower back pain, TMJ, grey hairs, wrinkles, hair loss, migraines, and excessive weight gain at bay in order to live longer and feel healthier. Stress is the silent killer of our generation.

Specific activities for the year include: exercising and stretching 3X a week, taking walks with my son 5X a week, incorporating 15 minutes of meditation 3X a week, and eliminating sugary drinks. I will continue to maintain a body weight of between 165 – 170 lbs at 5′ 10″.

2) Remain unemployed until September. My son turns two in April, and I plan to remain a stay at home dad at least until then. Although, I've given myself a green light to find full-time work after two years, my ultimate goal is to remain a stay at home dad until he is eligible for preschool in September if he is mature enough to attend. If he is not, then my goal is to remain a SAHD until September 2020 for 3 years, 9 months total.

In order to stay unemployed, I need to make sure my risk exposure is appropriate so I don't stress out about losing too much money, get out of the house at least two hours a day for some me time, and attend more social functions. Activities include tennis, softball, startup gatherings, Napa/Lake Tahoe getaways, and our first family trip to Hawaii. Of course, if the bull market continues, then staying unemployed will be relatively easy.

3) Hire help for the business. After almost 10 years of running Financial Samurai with only my wife, it's time to get some help with writing. I'll be slowly looking for someone who is WordPress savvy, trustworthy, intelligent, reliable, dedicated, believes in my five core principles, enjoys writing and wants to earn some steady side hustle income. The fit has to be fantastic, otherwise, I'll just continue to operate the site as usual.

I realize many sites my size or smaller have 1-4 people, on average, working to write content and handle some of the business elements. Now that I've discovered how great it is to hire help around the house, it's only logical to hire help for our business.

4) Focus on profits. Since I'm going to hire help for the business, I want to get a return on my investment. To not get an ROI on my capital expenditure would make me a foolish businessman.

I or my new hire will write more review posts, develop more affiliate partnerships, build my blog marketing business, update my severance negotiation book, and maybe create a new Financial Samurai product. I'll still publish my usual style posts 2-3X a week. There will just be more content all around as there is no limit to how many posts and pages a website can publish.

It's going to feel great to finally start seriously focusing on monetizing Financial Samurai after 10 years. I already get the occasional flak from readers who criticize my work and don't pay me a cent. So I now plan to unabashedly take full advantage of my platform to take care of my family, especially if the economy softens.

5) Grow the Financial Samurai Forum. For four years, I was a forum junkie in college. It was one of the best ways I learned about investing and finance. But in order for a forum to grow, it needs to be nurtured. Therefore, I plan to continue posting and corresponding at least 5X a week on the forum to build the FS community.

I have a 5-year plan to grow the Financial Samurai Forum into one of the best financial forums on the web. Specifically, I want to double its traffic in 2019. The forum is geared towards people who fundamentally believe that making more money is a better way to grow wealth than mainly through saving. I want to build a community that is open-minded and always curious about new ways to get better. I'm aiming for thought diversity not groupthink.

6) Help my boy reach the following milestones by year-end. Being a full-time parent is an incredibly rewarding job because you get to teach and witness progress on a daily basis. I've discovered that through Financial Samurai, foster youth mentoring, and coaching high school tennis that I enjoy being an educator. Below are some specific goals we are looking to help him develop by 2 years 9 months.

Play and Social Skills

Sit comfortably in circle time for more than 10 minutes

Enjoy playing with the piano, guitar, and drums

Play with toys without mouthing them

Screw and unscrew jar lids and turn door handles

Build towers of more than 6 blocks

Copy a circle with pencil or crayon

Show affection for friends without prompting

Be away from parents with supportive and familiar people for 4 hours or more to prepare for pre-school

Coordination

Walk down stairs unassisted

Maintain balance while catching a ball or when gently bumped by peers

Throw and attempt to catch ball without losing balance

Walk and maintain balance over uneven surfaces

Use both hands equally to play and explore toys

Learn to pedal a tricycle

Daily Activities

Able to self-calm in car rides when not tired or hungry

Tolerate diaper changes without crying or whining

Has an established sleep schedule of 10 hours or more a night and 1-2 hours of nap time after lunch at least 5X a week

Able to self-calm to fall asleep

Able to tolerate and stay calm during dental visits

Able to brush his teeth without whining or crying 3X a day

Is potty trained before preschool starts in September

Dresses and undresses self by figuring out buttons, zippers, and straps

Communication

Is able to consistently use 3-4 word phrases e.g. “I am hungry,” “The garage door is white,” “Walk with daddy,” “Financial Samurai is the best!”

Uses “in” and “on”

At least 75% of speech is understood by any caregiver

Follows 2-step unrelated directions, e.g. “give me the ball and go get your coat”

Understands “mine” and “yours”

Says words like “I,” “me,” “we,” and “you” and some plurals (cars, dogs, cats)

Understands half of what we communicate to him in English, in Mandarin

The next 12 months is going to be a huge challenge due to his growing temper tantrums. Another challenge is staying healthy since we're all getting sick more often now as he's exposed to other kids. Luckily, my wife and I haven't been sick at the same time yet. We'll finally introduce some screen time to him after his second birthday, which should help keep him occupied during trips.

7) Spend $1,500 more a month on life. We have frugality disease. We are spending less today than we were in our late 20s, despite having a much higher income and net worth. Our estate planning lawyer sessions really made us realize we will likely die with too much.

I've been slowly spending more money on things that may improve our lives. For example, the $4,000 large jet tub I bought in 2014 has come in handy for family bath time now. The $15,000 I spent on the outdoor hot tub in 1H2017 was one of the best purchases ever. Further, I have no regrets paying $58,000 cash for a used family car in December 2016 either. Baby steps on the road to lifestyle inflation!

We will allocate the extra $1,500 in spending towards more babysitting help, more massages, bi-monthly house cleaning, and quarterly gardening. We will purchase at least economy plus tickets for all our parents to come visit. Further, if we take our first flight as a family, we will purchase economy plus tickets as well.

We are also going to regularly give to two charities all year. One will be to a center for foster kids and abused youth. Another will be for children with visual impairments. I also like supporting public park tennis initiatives.

Related: Practice Taking Profits To Pay For A Better Life

8) Pay off $200,000 of mortgage debt. Paying off my SF rental condo in 2015 felt wonderful. I don't care whether it goes up or down in value because I truly plan to own it forever. Selling my SF rental house and paying off a $815,000 mortgage in the process also felt terrific. No matter how much more I could have made investing in risk assets, I've never regretted paying off debt.

Our ultimate goal is to be debt free by 2022, when our boy is ready for kindergarten. Paying down $200,000 a year in extra mortgage debt will accomplish this goal. In a bear market, it feels great to earn a guaranteed return. But it's also important to have lots of liquidity to take advantage of opportunities as well.

9) Aggressively search for a larger house. I dodged a canon in 2018 by not buying a larger house for more money. I wrote two offers for San Francisco homes that both got rejected. I was seriously going to try and buy this one expensive SF house in a great neighborhood, but by the time I was going to put in an offer, they had accepted another offer on November 1 for asking. If I had bought the house I'd be feeling nervous today since the stock market corrected by 20% soon after. It's not unreasonable to assume to house is now worth $200,000 (4.5%) less today.

Meanwhile, the seller of the house in Honolulu I've been eyeing since 2016 gave up trying to find a buyer in 4Q2018 and rented out the house from Oct – January to short-term tenants. The original asking price was $4.7M in 2016. Today, I think there's a good chance they will accept $3.5M – $3.7M because they finally dropped the ask down to $3.98M.

I want a bigger house in SF so my parents, in-laws and sister can come visit for a longer period of time. One more bathroom and 500 sqft more of space would be ideal. However, if I move to Honolulu, I won't need a bigger house since my parents have their own house.

I anticipate there will be many more deals in 2019 given inventory will likely be up 50% – 150% in San Francisco and Honolulu. I suspect the IPOs of Uber, Lyft and others will put a -10% floor on SF prices.

10) Be a voice for at least 50% of the population. Due to the high cost of living, there are very few personal finance bloggers who live in an expensive coastal city. This makes rational sense, especially if you are a FIRE blogger. But a full 50% of the national population lives in expensive coastal cities and other big cities around the country that face slightly different challenges. Same for many big city residents around the world e.g. London, Hong Kong, Singapore, Sydney, Mumbai, etc. Therefore, I have an opportunity to establish Financial Samurai as a go-to resource for big-city audiences.

It's going to be fun tackling topics such as: private grade school tuition, the feasibility of retiring early with a family in a HCOL area, forsaking wealth and prestige, the dangers of creating multi-generational wealth, featuring diverse cultural backgrounds, and more. My goal is to convince big media to provide a more diverse perspective on financial independence since not everybody can or wants to move to a low cost area of the country.

11) Be more forgiving of myself. No matter what project I undertake, I always run through the finish line. Financial Samurai's finish line is July 1, 2019 after I made a promise in 2009 to publish 3X a week for 10 years. After that, who knows the future.

The funny thing about this finish line is that it is completely arbitrary. There is absolutely no need to put pressure on myself to produce so much content, especially if I'm having a rough week or sick. Financial Samurai surpassed my expectations long ago. Therefore, I'm going to give myself four weeks where I'll just publish one post plus I'll take it easy the entire month of June, when traffic is slowest.

By giving myself a break, I hope to sleep in more regularly until 6am. For the majority of 2018, I was naturally waking up by 5am after going to bed around 11pm. But during 4Q2018 and after daylight savings, I started naturally waking up as early as 3:30am to get my writing done before my wife and son woke. This crazy early time must have been due to increased anxiety from the stock market collapse.

With more sleep and less stress, I hope to improve my overall mental health and happiness. My desire to constantly grind stems from mistakes made in high school, plenty more rejections as an adult, and an indoctrination since I was a kid that I need to try harder as a minority to get ahead in America. I know I have a really good thing going now, so I don't want to take my good fortune for granted.

12) Celebrate big and small wins. To make the hustle more worthwhile, we will celebrate all our achievements as parents, writers, and entrepreneurs. A celebration can be as small as opening a nice bottle of wine. These celebrations will also help us fulfill our goal of spending more.

Every evening I will highlight something specific I appreciate about my wife so she always feels recognized and loved. She is an incredible full-time mom who also launched the FS Forum, finalized our revocable living trust, registered How To Engineer Your Layoff and Cutie Baby with the Library Of Congress, and is responsible for all ongoing business accounting. It's clear I haven't done a good enough job appreciating her efforts over the years, which is why I'm committed to do more for her in 2019 and beyond.

Steady As She Goes

If we can grow our net worth by just 5%, I'll be happy. I'm willing to forego upside investment potential to help ensure our net worth goes up in 2019. Despite our public investments accounting for only about 30% of our net worth, it gave me the most stress in 2018. This will change.

I still have hope the Fed will slow down its rate hikes. If they do, I'm confident the economy will chug along at 2% – 2.5% GDP growth and not enter into a recession. However, there are no exciting positive catalysts on the horizon except for a trade agreement with China by end of 1Q. 2019 will likely be another volatile year.

The last two years working on FS and being a SAHD has worn me out. Given we save most of our after-tax business income by living off our passive income, I'm excited to live it up more in 2019 and use my “vacation credits” to take it easier.

If you have any tips on how to smartly inflate your lifestyle without feeling guilty, I'd love to hear them. I also want to learn how to inhale the roses more often without feeling the need to always be productive.

What are some of your goals for 2019? How do you see the stock market and economy unfolding?

The post Financial Samurai 2019 Economic Outlook And Personal Goals appeared first on Financial Samurai.

[kerrychelly-blog]

Financial Samurai 2019 Economic Outlook And Personal Goals

Happy 2019 everyone!

With my 2018 finishing with 3.8 4.0 out of 5.0 stars, I've thought long and hard about how I can make 2019 better. I've found a solution.

My 2019 theme is: live the good life. If you live the good life, how can life not be better?

Some people like to tighten their belts during economic uncertainty. I used to be one of those people in 2008-2009. But after a raging bull market since 2009, I feel it's OK for my family to start spending more on life instead of letting our investments piss away our wealth.

Besides, if panic increases, there will be lots of things going on sale. Let's first discuss my outlook for 2019 and then I'll go over my goals.

Financial Samurai 2019 Outlook

Things are uncertain, to say the least. From policy errors by the Federal Reserve to trade wars by Trump to a drastic slowdown in corporate earnings growth (20%+ down to ~7%), we are facing many headwinds in 2019.

Despite the 4Q2018 sell-off in the stock market, JP still wants to raise rates another two times in 2019 to keep inflation at 2%. There's an old saying on Wall Street: don't fight the Fed. You will get run over.

If the housing market is weakening, the stock market is correcting, and if the labor market softens given companies are now 20% less valuable on average, it's baffling why the Fed thinks inflation will accelerate in 2019.

The good news is that 4Q2018 has baked in a lot of the negatives. Valuations are now at around historical averages and expectations have been reset. And unless JP is a complete idiot for going to Princeton and Georgetown, he will probably adjust his interest rate stance if we enter full bear market territory. And let's put things in perspective, a -6.4% year for the S&P 500 is not that bad.

The question everybody needs to ask themselves is whether the equity risk premium is worth taking. If you can get a 2.45% risk-free rate of return or pay down more expensive debt (mortgage, student loans, credit cards), is it worth taking risk in equities to maybe make a potentially greater return?

My answer is no. Give me a 2.45% – 5% guaranteed return any day while the world recalibrates. The stress of trying to make perhaps a 10% return in the stock market is simply not worth the premium since there's probably an equal chance stocks will go down. The peace of mind of a risk-free return should not be under-appreciated, especially if you have more certain ways to make money.

Of course, there are no guarantees. Therefore, my plan is to keep my existing public investments just the way they are (45%/55% stocks/bonds) and use my monthly cash flow to pay down debt and invest in a 70%/30% ratio. At the very minimum, my Solo 401(k), SEP IRA, and son's 529 plan will all be maxed out. If the S&P 500 gets back to 2,800+, I will be aggressively selling down more stocks.

I'm in the “low interest rates for life” camp. Once again, I don't see the 10-year bond yield finishing over 3% in 2019. This is a risky call since the 10-year bond yield is not far away at 2.75%, and reached as high as 3.2% in 2018. But this call simply means the yield curve will continue to flatten as the Fed stubbornly continues to raise rates, leading to a recession by 2020.

Given it takes 2-5 years for real estate cycles to play out, I see further weakness all year in expensive coastal city real estate markets like San Francisco, San Jose, Seattle, LA, San Diego, Boston, New York, and Washington DC. Cities with unlimited land for expansion like Las Vegas, Dallas, and Denver are likely going to continue weakening as inventory surges higher. The heartland of America will not be immune to a real estate slowdown unfortunately.

The positive in real estate is that mortgage rates will continue to stay low. With rising inventory and low interest rates, affordability will increase and bring in new buyers. There might even be a refinancing boom again. I don't see a real estate crash like the stock market crash of 4Q2018. Instead, we'll see a soft landing as prices slowly decline by another 5% – 10%.

Finally, I predict more people than ever will generate new income sources beyond their day job. Whether it is starting a website or investing in assets that are countercyclical to the stock market, people will no longer take their job security for granted.

Only the misinformed believe a large correction in stocks has no bearing on future corporate employment decisions. You must always be forward-thinking when it comes to investing.

Buckle down folks! If you do not get your finances right in 2019, you might end up losing years worth of time and effort. 2019 is not the time to be a hero. Instead, 2019 is the year to bullet proof your finances by earning more based on what you can control.

A possible scenario to be aware of by 2020 according to Nomura

Financial Samurai 2019 Goals

1) No gray hairs, no chronic pain. I've learned over the years that our body reveals our true stress level no matter what we do or what we say. My goal is to keep things like sciatica, lower back pain, TMJ, grey hairs, wrinkles, hair loss, migraines, and excessive weight gain at bay in order to live longer and feel healthier. Stress is the silent killer of our generation.

Specific activities for the year include: exercising and stretching 3X a week, taking walks with my son 5X a week, incorporating 15 minutes of meditation 3X a week, and eliminating sugary drinks. I will continue to maintain a body weight of between 165 – 170 lbs at 5′ 10″.

2) Remain unemployed until September. My son turns two in April, and I plan to remain a stay at home dad at least until then. Although, I've given myself a green light to find full-time work after two years, my ultimate goal is to remain a stay at home dad until he is eligible for preschool in September if he is mature enough to attend. If he is not, then my goal is to remain a SAHD until September 2020 for 3 years, 9 months total.

In order to stay unemployed, I need to make sure my risk exposure is appropriate so I don't stress out about losing too much money, get out of the house at least two hours a day for some me time, and attend more social functions. Activities include tennis, softball, startup gatherings, Napa/Lake Tahoe getaways, and our first family trip to Hawaii. Of course, if the bull market continues, then staying unemployed will be relatively easy.

3) Hire help for the business. After almost 10 years of running Financial Samurai with only my wife, it's time to get some help with writing. I'll be slowly looking for someone who is WordPress savvy, trustworthy, intelligent, reliable, dedicated, believes in my five core principles, enjoys writing and wants to earn some steady side hustle income. The fit has to be fantastic, otherwise, I'll just continue to operate the site as usual.

I realize many sites my size or smaller have 1-4 people, on average, working to write content and handle some of the business elements. Now that I've discovered how great it is to hire help around the house, it's only logical to hire help for our business.

4) Focus on profits. Since I'm going to hire help for the business, I want to get a return on my investment. To not get an ROI on my capital expenditure would make me a foolish businessman.

I or my new hire will write more review posts, develop more affiliate partnerships, build my blog marketing business, update my severance negotiation book, and maybe create a new Financial Samurai product. I'll still publish my usual style posts 2-3X a week. There will just be more content all around as there is no limit to how many posts and pages a website can publish.

It's going to feel great to finally start seriously focusing on monetizing Financial Samurai after 10 years. I already get the occasional flak from readers who criticize my work and don't pay me a cent. So I now plan to unabashedly take full advantage of my platform to take care of my family, especially if the economy softens.

5) Grow the Financial Samurai Forum. For four years, I was a forum junkie in college. It was one of the best ways I learned about investing and finance. But in order for a forum to grow, it needs to be nurtured. Therefore, I plan to continue posting and corresponding at least 5X a week on the forum to build the FS community.

I have a 5-year plan to grow the Financial Samurai Forum into one of the best financial forums on the web. Specifically, I want to double its traffic in 2019. The forum is geared towards people who fundamentally believe that making more money is a better way to grow wealth than mainly through saving. I want to build a community that is open-minded and always curious about new ways to get better. I'm aiming for thought diversity not groupthink.

6) Help my boy reach the following milestones by year-end. Being a full-time parent is an incredibly rewarding job because you get to teach and witness progress on a daily basis. I've discovered that through Financial Samurai, foster youth mentoring, and coaching high school tennis that I enjoy being an educator. Below are some specific goals we are looking to help him develop by 2 years 9 months.

Play and Social Skills

Sit comfortably in circle time for more than 10 minutes

Enjoy playing with the piano, guitar, and drums

Play with toys without mouthing them

Screw and unscrew jar lids and turn door handles

Build towers of more than 6 blocks

Copy a circle with pencil or crayon

Show affection for friends without prompting

Be away from parents with supportive and familiar people for 4 hours or more to prepare for pre-school

Coordination

Walk down stairs unassisted

Maintain balance while catching a ball or when gently bumped by peers

Throw and attempt to catch ball without losing balance

Walk and maintain balance over uneven surfaces

Use both hands equally to play and explore toys

Learn to pedal a tricycle

Daily Activities

Able to self-calm in car rides when not tired or hungry

Tolerate diaper changes without crying or whining

Has an established sleep schedule of 10 hours or more a night and 1-2 hours of nap time after lunch at least 5X a week

Able to self-calm to fall asleep

Able to tolerate and stay calm during dental visits

Able to brush his teeth without whining or crying 3X a day

Is potty trained before preschool starts in September

Dresses and undresses self by figuring out buttons, zippers, and straps

Communication

Is able to consistently use 3-4 word phrases e.g. “I am hungry,” “The garage door is white,” “Walk with daddy,” “Financial Samurai is the best!”

Uses “in” and “on”

At least 75% of speech is understood by any caregiver

Follows 2-step unrelated directions, e.g. “give me the ball and go get your coat”

Understands “mine” and “yours”

Says words like “I,” “me,” “we,” and “you” and some plurals (cars, dogs, cats)

Understands half of what we communicate to him in English, in Mandarin

The next 12 months is going to be a huge challenge due to his growing temper tantrums. Another challenge is staying healthy since we're all getting sick more often now as he's exposed to other kids. Luckily, my wife and I haven't been sick at the same time yet. We'll finally introduce some screen time to him after his second birthday, which should help keep him occupied during trips.

7) Spend $1,500 more a month on life. We have frugality disease. We are spending less today than we were in our late 20s, despite having a much higher income and net worth. Our estate planning lawyer sessions really made us realize we will likely die with too much.

I've been slowly spending more money on things that may improve our lives. For example, the $4,000 large jet tub I bought in 2014 has come in handy for family bath time now. The $15,000 I spent on the outdoor hot tub in 1H2017 was one of the best purchases ever. Further, I have no regrets paying $58,000 cash for a used family car in December 2016 either. Baby steps on the road to lifestyle inflation!

We will allocate the extra $1,500 in spending towards more babysitting help, more massages, bi-monthly house cleaning, and quarterly gardening. We will purchase at least economy plus tickets for all our parents to come visit. Further, if we take our first flight as a family, we will purchase economy plus tickets as well.

We are also going to regularly give to two charities all year. One will be to a center for foster kids and abused youth. Another will be for children with visual impairments. I also like supporting public park tennis initiatives.

Related: Practice Taking Profits To Pay For A Better Life

8) Pay off $200,000 of mortgage debt. Paying off my SF rental condo in 2015 felt wonderful. I don't care whether it goes up or down in value because I truly plan to own it forever. Selling my SF rental house and paying off a $815,000 mortgage in the process also felt terrific. No matter how much more I could have made investing in risk assets, I've never regretted paying off debt.

Our ultimate goal is to be debt free by 2022, when our boy is ready for kindergarten. Paying down $200,000 a year in extra mortgage debt will accomplish this goal. In a bear market, it feels great to earn a guaranteed return. But it's also important to have lots of liquidity to take advantage of opportunities as well.

9) Aggressively search for a larger house. I dodged a canon in 2018 by not buying a larger house for more money. I wrote two offers for San Francisco homes that both got rejected. I was seriously going to try and buy this one expensive SF house in a great neighborhood, but by the time I was going to put in an offer, they had accepted another offer on November 1 for asking. If I had bought the house I'd be feeling nervous today since the stock market corrected by 20% soon after. It's not unreasonable to assume to house is now worth $200,000 (4.5%) less today.

Meanwhile, the seller of the house in Honolulu I've been eyeing since 2016 gave up trying to find a buyer in 4Q2018 and rented out the house from Oct – January to short-term tenants. The original asking price was $4.7M in 2016. Today, I think there's a good chance they will accept $3.5M – $3.7M because they finally dropped the ask down to $3.98M.

I want a bigger house in SF so my parents, in-laws and sister can come visit for a longer period of time. One more bathroom and 500 sqft more of space would be ideal. However, if I move to Honolulu, I won't need a bigger house since my parents have their own house.

I anticipate there will be many more deals in 2019 given inventory will likely be up 50% – 150% in San Francisco and Honolulu. I suspect the IPOs of Uber, Lyft and others will put a -10% floor on SF prices.

10) Be a voice for at least 50% of the population. Due to the high cost of living, there are very few personal finance bloggers who live in an expensive coastal city. This makes rational sense, especially if you are a FIRE blogger. But a full 50% of the national population lives in expensive coastal cities and other big cities around the country that face slightly different challenges. Same for many big city residents around the world e.g. London, Hong Kong, Singapore, Sydney, Mumbai, etc. Therefore, I have an opportunity to establish Financial Samurai as a go-to resource for big-city audiences.

It's going to be fun tackling topics such as: private grade school tuition, the feasibility of retiring early with a family in a HCOL area, forsaking wealth and prestige, the dangers of creating multi-generational wealth, featuring diverse cultural backgrounds, and more. My goal is to convince big media to provide a more diverse perspective on financial independence since not everybody can or wants to move to a low cost area of the country.

11) Be more forgiving of myself. No matter what project I undertake, I always run through the finish line. Financial Samurai's finish line is July 1, 2019 after I made a promise in 2009 to publish 3X a week for 10 years. After that, who knows the future.

The funny thing about this finish line is that it is completely arbitrary. There is absolutely no need to put pressure on myself to produce so much content, especially if I'm having a rough week or sick. Financial Samurai surpassed my expectations long ago. Therefore, I'm going to give myself four weeks where I'll just publish one post plus I'll take it easy the entire month of June, when traffic is slowest.

By giving myself a break, I hope to sleep in more regularly until 6am. For the majority of 2018, I was naturally waking up by 5am after going to bed around 11pm. But during 4Q2018 and after daylight savings, I started naturally waking up as early as 3:30am to get my writing done before my wife and son woke. This crazy early time must have been due to increased anxiety from the stock market collapse.

With more sleep and less stress, I hope to improve my overall mental health and happiness. My desire to constantly grind stems from mistakes made in high school, plenty more rejections as an adult, and an indoctrination since I was a kid that I need to try harder as a minority to get ahead in America. I know I have a really good thing going now, so I don't want to take my good fortune for granted.

12) Celebrate big and small wins. To make the hustle more worthwhile, we will celebrate all our achievements as parents, writers, and entrepreneurs. A celebration can be as small as opening a nice bottle of wine. These celebrations will also help us fulfill our goal of spending more.

Every evening I will highlight something specific I appreciate about my wife so she always feels recognized and loved. She is an incredible full-time mom who also launched the FS Forum, finalized our revocable living trust, registered How To Engineer Your Layoff and Cutie Baby with the Library Of Congress, and is responsible for all ongoing business accounting. It's clear I haven't done a good enough job appreciating her efforts over the years, which is why I'm committed to do more for her in 2019 and beyond.

Steady As She Goes

If we can grow our net worth by just 5%, I'll be happy. I'm willing to forego upside investment potential to help ensure our net worth goes up in 2019. Despite our public investments accounting for only about 30% of our net worth, it gave me the most stress in 2018. This will change.

I still have hope the Fed will slow down its rate hikes. If they do, I'm confident the economy will chug along at 2% – 2.5% GDP growth and not enter into a recession. However, there are no exciting positive catalysts on the horizon except for a trade agreement with China by end of 1Q. 2019 will likely be another volatile year.

The last two years working on FS and being a SAHD has worn me out. Given we save most of our after-tax business income by living off our passive income, I'm excited to live it up more in 2019 and use my “vacation credits” to take it easier.

If you have any tips on how to smartly inflate your lifestyle without feeling guilty, I'd love to hear them. I also want to learn how to inhale the roses more often without feeling the need to always be productive.

What are some of your goals for 2019? How do you see the stock market and economy unfolding?

The post Financial Samurai 2019 Economic Outlook And Personal Goals appeared first on Financial Samurai.

[robertheiser-blog]

Financial Samurai 2019 Economic Outlook And Personal Goals

Happy 2019 everyone!

With my 2018 finishing with 3.8 4.0 out of 5.0 stars, I've thought long and hard about how I can make 2019 better. I've found a solution.

My 2019 theme is: live the good life. If you live the good life, how can life not be better?

Some people like to tighten their belts during economic uncertainty. I used to be one of those people in 2008-2009. But after a raging bull market since 2009, I feel it's OK for my family to start spending more on life instead of letting our investments piss away our wealth.

Besides, if panic increases, there will be lots of things going on sale. Let's first discuss my outlook for 2019 and then I'll go over my goals.

Financial Samurai 2019 Outlook

Things are uncertain, to say the least. From policy errors by the Federal Reserve to trade wars by Trump to a drastic slowdown in corporate earnings growth (20%+ down to ~7%), we are facing many headwinds in 2019.

Despite the 4Q2018 sell-off in the stock market, JP still wants to raise rates another two times in 2019 to keep inflation at 2%. There's an old saying on Wall Street: don't fight the Fed. You will get run over.

If the housing market is weakening, the stock market is correcting, and if the labor market softens given companies are now 20% less valuable on average, it's baffling why the Fed thinks inflation will accelerate in 2019.

The good news is that 4Q2018 has baked in a lot of the negatives. Valuations are now at around historical averages and expectations have been reset. And unless JP is a complete idiot for going to Princeton and Georgetown, he will probably adjust his interest rate stance if we enter full bear market territory. And let's put things in perspective, a -6.4% year for the S&P 500 is not that bad.

The question everybody needs to ask themselves is whether the equity risk premium is worth taking. If you can get a 2.45% risk-free rate of return or pay down more expensive debt (mortgage, student loans, credit cards), is it worth taking risk in equities to maybe make a potentially greater return?

My answer is no. Give me a 2.45% – 5% guaranteed return any day while the world recalibrates. The stress of trying to make perhaps a 10% return in the stock market is simply not worth the premium since there's probably an equal chance stocks will go down. The peace of mind of a risk-free return should not be under-appreciated, especially if you have more certain ways to make money.

Of course, there are no guarantees. Therefore, my plan is to keep my existing public investments just the way they are (45%/55% stocks/bonds) and use my monthly cash flow to pay down debt and invest in a 70%/30% ratio. At the very minimum, my Solo 401(k), SEP IRA, and son's 529 plan will all be maxed out. If the S&P 500 gets back to 2,800+, I will be aggressively selling down more stocks.

I'm in the “low interest rates for life” camp. Once again, I don't see the 10-year bond yield finishing over 3% in 2019. This is a risky call since the 10-year bond yield is not far away at 2.75%, and reached as high as 3.2% in 2018. But this call simply means the yield curve will continue to flatten as the Fed stubbornly continues to raise rates, leading to a recession by 2020.

Given it takes 2-5 years for real estate cycles to play out, I see further weakness all year in expensive coastal city real estate markets like San Francisco, San Jose, Seattle, LA, San Diego, Boston, New York, and Washington DC. Cities with unlimited land for expansion like Las Vegas, Dallas, and Denver are likely going to continue weakening as inventory surges higher. The heartland of America will not be immune to a real estate slowdown unfortunately.

The positive in real estate is that mortgage rates will continue to stay low. With rising inventory and low interest rates, affordability will increase and bring in new buyers. There might even be a refinancing boom again. I don't see a real estate crash like the stock market crash of 4Q2018. Instead, we'll see a soft landing as prices slowly decline by another 5% – 10%.

Finally, I predict more people than ever will generate new income sources beyond their day job. Whether it is starting a website or investing in assets that are countercyclical to the stock market, people will no longer take their job security for granted.

Only the misinformed believe a large correction in stocks has no bearing on future corporate employment decisions. You must always be forward-thinking when it comes to investing.

Buckle down folks! If you do not get your finances right in 2019, you might end up losing years worth of time and effort. 2019 is not the time to be a hero. Instead, 2019 is the year to bullet proof your finances by earning more based on what you can control.

A possible scenario to be aware of by 2020 according to Nomura

Financial Samurai 2019 Goals

1) No gray hairs, no chronic pain. I've learned over the years that our body reveals our true stress level no matter what we do or what we say. My goal is to keep things like sciatica, lower back pain, TMJ, grey hairs, wrinkles, hair loss, migraines, and excessive weight gain at bay in order to live longer and feel healthier. Stress is the silent killer of our generation.

Specific activities for the year include: exercising and stretching 3X a week, taking walks with my son 5X a week, incorporating 15 minutes of meditation 3X a week, and eliminating sugary drinks. I will continue to maintain a body weight of between 165 – 170 lbs at 5′ 10″.

2) Remain unemployed until September. My son turns two in April, and I plan to remain a stay at home dad at least until then. Although, I've given myself a green light to find full-time work after two years, my ultimate goal is to remain a stay at home dad until he is eligible for preschool in September if he is mature enough to attend. If he is not, then my goal is to remain a SAHD until September 2020 for 3 years, 9 months total.

In order to stay unemployed, I need to make sure my risk exposure is appropriate so I don't stress out about losing too much money, get out of the house at least two hours a day for some me time, and attend more social functions. Activities include tennis, softball, startup gatherings, Napa/Lake Tahoe getaways, and our first family trip to Hawaii. Of course, if the bull market continues, then staying unemployed will be relatively easy.

3) Hire help for the business. After almost 10 years of running Financial Samurai with only my wife, it's time to get some help with writing. I'll be slowly looking for someone who is WordPress savvy, trustworthy, intelligent, reliable, dedicated, believes in my five core principles, enjoys writing and wants to earn some steady side hustle income. The fit has to be fantastic, otherwise, I'll just continue to operate the site as usual.

I realize many sites my size or smaller have 1-4 people, on average, working to write content and handle some of the business elements. Now that I've discovered how great it is to hire help around the house, it's only logical to hire help for our business.

4) Focus on profits. Since I'm going to hire help for the business, I want to get a return on my investment. To not get an ROI on my capital expenditure would make me a foolish businessman.

I or my new hire will write more review posts, develop more affiliate partnerships, build my blog marketing business, update my severance negotiation book, and maybe create a new Financial Samurai product. I'll still publish my usual style posts 2-3X a week. There will just be more content all around as there is no limit to how many posts and pages a website can publish.

It's going to feel great to finally start seriously focusing on monetizing Financial Samurai after 10 years. I already get the occasional flak from readers who criticize my work and don't pay me a cent. So I now plan to unabashedly take full advantage of my platform to take care of my family, especially if the economy softens.

5) Grow the Financial Samurai Forum. For four years, I was a forum junkie in college. It was one of the best ways I learned about investing and finance. But in order for a forum to grow, it needs to be nurtured. Therefore, I plan to continue posting and corresponding at least 5X a week on the forum to build the FS community.

I have a 5-year plan to grow the Financial Samurai Forum into one of the best financial forums on the web. Specifically, I want to double its traffic in 2019. The forum is geared towards people who fundamentally believe that making more money is a better way to grow wealth than mainly through saving. I want to build a community that is open-minded and always curious about new ways to get better. I'm aiming for thought diversity not groupthink.

6) Help my boy reach the following milestones by year-end. Being a full-time parent is an incredibly rewarding job because you get to teach and witness progress on a daily basis. I've discovered that through Financial Samurai, foster youth mentoring, and coaching high school tennis that I enjoy being an educator. Below are some specific goals we are looking to help him develop by 2 years 9 months.

Play and Social Skills

Sit comfortably in circle time for more than 10 minutes

Enjoy playing with the piano, guitar, and drums

Play with toys without mouthing them

Screw and unscrew jar lids and turn door handles

Build towers of more than 6 blocks

Copy a circle with pencil or crayon

Show affection for friends without prompting

Be away from parents with supportive and familiar people for 4 hours or more to prepare for pre-school

Coordination

Walk down stairs unassisted

Maintain balance while catching a ball or when gently bumped by peers

Throw and attempt to catch ball without losing balance

Walk and maintain balance over uneven surfaces

Use both hands equally to play and explore toys

Learn to pedal a tricycle

Daily Activities

Able to self-calm in car rides when not tired or hungry

Tolerate diaper changes without crying or whining

Has an established sleep schedule of 10 hours or more a night and 1-2 hours of nap time after lunch at least 5X a week

Able to self-calm to fall asleep

Able to tolerate and stay calm during dental visits

Able to brush his teeth without whining or crying 3X a day

Is potty trained before preschool starts in September

Dresses and undresses self by figuring out buttons, zippers, and straps

Communication

Is able to consistently use 3-4 word phrases e.g. “I am hungry,” “The garage door is white,” “Walk with daddy,” “Financial Samurai is the best!”

Uses “in” and “on”

At least 75% of speech is understood by any caregiver

Follows 2-step unrelated directions, e.g. “give me the ball and go get your coat”

Understands “mine” and “yours”

Says words like “I,” “me,” “we,” and “you” and some plurals (cars, dogs, cats)

Understands half of what we communicate to him in English, in Mandarin

The next 12 months is going to be a huge challenge due to his growing temper tantrums. Another challenge is staying healthy since we're all getting sick more often now as he's exposed to other kids. Luckily, my wife and I haven't been sick at the same time yet. We'll finally introduce some screen time to him after his second birthday, which should help keep him occupied during trips.

7) Spend $1,500 more a month on life. We have frugality disease. We are spending less today than we were in our late 20s, despite having a much higher income and net worth. Our estate planning lawyer sessions really made us realize we will likely die with too much.

I've been slowly spending more money on things that may improve our lives. For example, the $4,000 large jet tub I bought in 2014 has come in handy for family bath time now. The $15,000 I spent on the outdoor hot tub in 1H2017 was one of the best purchases ever. Further, I have no regrets paying $58,000 cash for a used family car in December 2016 either. Baby steps on the road to lifestyle inflation!

We will allocate the extra $1,500 in spending towards more babysitting help, more massages, bi-monthly house cleaning, and quarterly gardening. We will purchase at least economy plus tickets for all our parents to come visit. Further, if we take our first flight as a family, we will purchase economy plus tickets as well.

We are also going to regularly give to two charities all year. One will be to a center for foster kids and abused youth. Another will be for children with visual impairments. I also like supporting public park tennis initiatives.

Related: Practice Taking Profits To Pay For A Better Life

8) Pay off $200,000 of mortgage debt. Paying off my SF rental condo in 2015 felt wonderful. I don't care whether it goes up or down in value because I truly plan to own it forever. Selling my SF rental house and paying off a $815,000 mortgage in the process also felt terrific. No matter how much more I could have made investing in risk assets, I've never regretted paying off debt.

Our ultimate goal is to be debt free by 2022, when our boy is ready for kindergarten. Paying down $200,000 a year in extra mortgage debt will accomplish this goal. In a bear market, it feels great to earn a guaranteed return. But it's also important to have lots of liquidity to take advantage of opportunities as well.

9) Aggressively search for a larger house. I dodged a canon in 2018 by not buying a larger house for more money. I wrote two offers for San Francisco homes that both got rejected. I was seriously going to try and buy this one expensive SF house in a great neighborhood, but by the time I was going to put in an offer, they had accepted another offer on November 1 for asking. If I had bought the house I'd be feeling nervous today since the stock market corrected by 20% soon after. It's not unreasonable to assume to house is now worth $200,000 (4.5%) less today.

Meanwhile, the seller of the house in Honolulu I've been eyeing since 2016 gave up trying to find a buyer in 4Q2018 and rented out the house from Oct – January to short-term tenants. The original asking price was $4.7M in 2016. Today, I think there's a good chance they will accept $3.5M – $3.7M because they finally dropped the ask down to $3.98M.

I want a bigger house in SF so my parents, in-laws and sister can come visit for a longer period of time. One more bathroom and 500 sqft more of space would be ideal. However, if I move to Honolulu, I won't need a bigger house since my parents have their own house.

I anticipate there will be many more deals in 2019 given inventory will likely be up 50% – 150% in San Francisco and Honolulu. I suspect the IPOs of Uber, Lyft and others will put a -10% floor on SF prices.

10) Be a voice for at least 50% of the population. Due to the high cost of living, there are very few personal finance bloggers who live in an expensive coastal city. This makes rational sense, especially if you are a FIRE blogger. But a full 50% of the national population lives in expensive coastal cities and other big cities around the country that face slightly different challenges. Same for many big city residents around the world e.g. London, Hong Kong, Singapore, Sydney, Mumbai, etc. Therefore, I have an opportunity to establish Financial Samurai as a go-to resource for big-city audiences.

It's going to be fun tackling topics such as: private grade school tuition, the feasibility of retiring early with a family in a HCOL area, forsaking wealth and prestige, the dangers of creating multi-generational wealth, featuring diverse cultural backgrounds, and more. My goal is to convince big media to provide a more diverse perspective on financial independence since not everybody can or wants to move to a low cost area of the country.

11) Be more forgiving of myself. No matter what project I undertake, I always run through the finish line. Financial Samurai's finish line is July 1, 2019 after I made a promise in 2009 to publish 3X a week for 10 years. After that, who knows the future.

The funny thing about this finish line is that it is completely arbitrary. There is absolutely no need to put pressure on myself to produce so much content, especially if I'm having a rough week or sick. Financial Samurai surpassed my expectations long ago. Therefore, I'm going to give myself four weeks where I'll just publish one post plus I'll take it easy the entire month of June, when traffic is slowest.

By giving myself a break, I hope to sleep in more regularly until 6am. For the majority of 2018, I was naturally waking up by 5am after going to bed around 11pm. But during 4Q2018 and after daylight savings, I started naturally waking up as early as 3:30am to get my writing done before my wife and son woke. This crazy early time must have been due to increased anxiety from the stock market collapse.

With more sleep and less stress, I hope to improve my overall mental health and happiness. My desire to constantly grind stems from mistakes made in high school, plenty more rejections as an adult, and an indoctrination since I was a kid that I need to try harder as a minority to get ahead in America. I know I have a really good thing going now, so I don't want to take my good fortune for granted.

12) Celebrate big and small wins. To make the hustle more worthwhile, we will celebrate all our achievements as parents, writers, and entrepreneurs. A celebration can be as small as opening a nice bottle of wine. These celebrations will also help us fulfill our goal of spending more.

Every evening I will highlight something specific I appreciate about my wife so she always feels recognized and loved. She is an incredible full-time mom who also launched the FS Forum, finalized our revocable living trust, registered How To Engineer Your Layoff and Cutie Baby with the Library Of Congress, and is responsible for all ongoing business accounting. It's clear I haven't done a good enough job appreciating her efforts over the years, which is why I'm committed to do more for her in 2019 and beyond.

Steady As She Goes

If we can grow our net worth by just 5%, I'll be happy. I'm willing to forego upside investment potential to help ensure our net worth goes up in 2019. Despite our public investments accounting for only about 30% of our net worth, it gave me the most stress in 2018. This will change.

I still have hope the Fed will slow down its rate hikes. If they do, I'm confident the economy will chug along at 2% – 2.5% GDP growth and not enter into a recession. However, there are no exciting positive catalysts on the horizon except for a trade agreement with China by end of 1Q. 2019 will likely be another volatile year.

The last two years working on FS and being a SAHD has worn me out. Given we save most of our after-tax business income by living off our passive income, I'm excited to live it up more in 2019 and use my “vacation credits” to take it easier.

If you have any tips on how to smartly inflate your lifestyle without feeling guilty, I'd love to hear them. I also want to learn how to inhale the roses more often without feeling the need to always be productive.

What are some of your goals for 2019? How do you see the stock market and economy unfolding?

The post Financial Samurai 2019 Economic Outlook And Personal Goals appeared first on Financial Samurai.

[michaelyzhu1979-blog]

Financial Samurai 2019 Economic Outlook And Personal Goals

Happy 2019 everyone!

With my 2018 finishing with 3.8 4.0 out of 5.0 stars, I've thought long and hard about how I can make 2019 better. I've found a solution.

My 2019 theme is: live the good life. If you live the good life, how can life not be better?

Some people like to tighten their belts during economic uncertainty. I used to be one of those people in 2008-2009. But after a raging bull market since 2009, I feel it's OK for my family to start spending more on life instead of letting our investments piss away our wealth.

Besides, if panic increases, there will be lots of things going on sale. Let's first discuss my outlook for 2019 and then I'll go over my goals.

Financial Samurai 2019 Outlook

Things are uncertain, to say the least. From policy errors by the Federal Reserve to trade wars by Trump to a drastic slowdown in corporate earnings growth (20%+ down to ~7%), we are facing many headwinds in 2019.

Despite the 4Q2018 sell-off in the stock market, JP still wants to raise rates another two times in 2019 to keep inflation at 2%. There's an old saying on Wall Street: don't fight the Fed. You will get run over.

If the housing market is weakening, the stock market is correcting, and if the labor market softens given companies are now 20% less valuable on average, it's baffling why the Fed thinks inflation will accelerate in 2019.

The good news is that 4Q2018 has baked in a lot of the negatives. Valuations are now at around historical averages and expectations have been reset. This doesn't mean we can't go lower. And let's put things in perspective, a -6.4% year for the S&P 500 is not that bad. If it wasn't for the huge post-Christmas rally, performance would have been much worse.

The question everybody needs to ask themselves is whether the equity risk premium is worth taking. If you can get a 2.45% risk-free rate of return or pay down more expensive debt (mortgage, student loans, credit cards), is it worth taking risk in equities to maybe make a potentially greater return?

My answer is no. Give me a 2.45% – 5% guaranteed return any day while the world recalibrates. The stress of trying to make perhaps a 10% return in the stock market is simply not worth the premium since there's probably an equal chance stocks will go down. The peace of mind of a risk-free return should not be under-appreciated, especially if you have more certain ways to make money.

Of course, there are no guarantees. Therefore, my plan is to keep my existing public investments just the way they are (45%/55% stocks/bonds) and use my monthly cash flow to pay down debt and invest in a 70%/30% ratio. At the very minimum, my Solo 401(k), SEP IRA, and son's 529 plan will all be maxed out. If the S&P 500 gets back to 2,800+, I will be aggressively selling down more stocks.

I'm in the “low interest rates for life” camp. Once again, I don't see the 10-year bond yield finishing over 3% in 2019. This is a risky call since the 10-year bond yield is not far away at 2.75%, and reached as high as 3.2% in 2018. But this call simply means the yield curve will continue to flatten as the Fed stubbornly continues to raise rates, leading to a recession by 2020.

Given it takes 2-5 years for real estate cycles to play out, I see further weakness all year in expensive coastal city real estate markets like San Francisco, San Jose, Seattle, LA, San Diego, Boston, New York, and Washington DC. Cities with unlimited land for expansion like Las Vegas, Dallas, and Denver are likely going to continue weakening as inventory surges higher. The heartland of America will not be immune to a real estate slowdown unfortunately.

The positive in real estate is that mortgage rates will continue to stay low. With rising inventory and low interest rates, affordability will increase and bring in new buyers. There might even be a refinancing boom again. I don't see a real estate crash like the stock market crash of 4Q2018. Instead, we'll see a soft landing as prices slowly decline by another 5% – 10%.

Finally, I predict more people than ever will generate new income sources beyond their day job. Whether it is starting a website or investing in assets that are countercyclical to the stock market, people will no longer take their job security for granted.

Only the misinformed believe a large correction in stocks has no bearing on future corporate employment decisions. You must always be forward-thinking when it comes to investing.

Buckle down folks! If you do not get your finances right in 2019, you might end up losing years worth of time and effort. 2019 is not the time to be a hero. Instead, 2019 is the year to bullet proof your finances by earning more based on what you can control.

A possible scenario to be aware of by 2020 according to Nomura

Financial Samurai 2019 Goals

1) No gray hairs, no chronic pain. I've learned over the years that our body reveals our true stress level no matter what we do or what we say. My goal is to keep things like sciatica, lower back pain, TMJ, grey hairs, wrinkles, hair loss, migraines, and excessive weight gain at bay in order to live longer and feel healthier. Stress is the silent killer of our generation.

Specific activities for the year include: exercising and stretching 3X a week, taking walks with my son 5X a week, incorporating 15 minutes of meditation 3X a week, and eliminating sugary drinks. I will continue to maintain a body weight of between 165 – 170 lbs at 5′ 10″.

2) Remain unemployed until September. My son turns two in April, and I plan to remain a stay at home dad at least until then. Although, I've given myself a green light to find full-time work after two years, my ultimate goal is to remain a stay at home dad until he is eligible for preschool in September if he is mature enough to attend. If he is not, then my goal is to remain a SAHD until September 2020 for 3 years, 9 months total.

In order to stay unemployed, I need to make sure my risk exposure is appropriate so I don't stress out about losing too much money, get out of the house at least two hours a day for some me time, and attend more social functions. Activities include tennis, softball, startup gatherings, Napa/Lake Tahoe getaways, and our first family trip to Hawaii. Of course, if the bull market continues, then staying unemployed will be relatively easy.

3) Hire help for the business. After almost 10 years of running Financial Samurai with only my wife, it's time to get some help with writing. I'll be slowly looking for someone who is WordPress savvy, trustworthy, intelligent, reliable, dedicated, believes in my five core principles, enjoys writing and wants to earn some steady side hustle income. The fit has to be fantastic, otherwise, I'll just continue to operate the site as usual.

I realize many sites my size or smaller have 1-4 people, on average, working to write content and handle some of the business elements. Now that I've discovered how great it is to hire help around the house, it's only logical to hire help for our business.

4) Focus on profits. Since I'm going to hire help for the business, I want to get a return on my investment. To not get an ROI on my capital expenditure would make me a foolish businessman.

I or my new hire will write more review posts, develop more affiliate partnerships, build my blog marketing business, update my severance negotiation book, and maybe create a new Financial Samurai product. I'll still publish my usual style posts 2-3X a week. There will just be more content all around as there is no limit to how many posts and pages a website can publish.

It's going to feel great to finally start seriously focusing on monetizing Financial Samurai after 10 years. I already get the occasional flak from readers who criticize my work and don't pay me a cent. So I now plan to unabashedly take full advantage of my platform to take care of my family, especially if the economy softens.

5) Grow the Financial Samurai Forum. For four years, I was a forum junkie in college. It was one of the best ways I learned about investing and finance. But in order for a forum to grow, it needs to be nurtured. Therefore, I plan to continue posting and corresponding at least 5X a week on the forum to build the FS community.

I have a 5-year plan to grow the Financial Samurai Forum into one of the best financial forums on the web. Specifically, I want to double its traffic in 2019. The forum is geared towards people who fundamentally believe that making more money is a better way to grow wealth than mainly through saving. I want to build a community that is open-minded and always curious about new ways to get better. I'm aiming for thought diversity not groupthink.

6) Help my boy reach the following milestones by year-end. Being a full-time parent is an incredibly rewarding job because you get to teach and witness progress on a daily basis. I've discovered that through Financial Samurai, foster youth mentoring, and coaching high school tennis that I enjoy being an educator. Below are some specific goals we are looking to help him develop by 2 years 9 months.

Play and Social Skills

Sit comfortably in circle time for more than 10 minutes

Enjoy playing with the piano, guitar, and drums

Play with toys without mouthing them

Screw and unscrew jar lids and turn door handles

Build towers of more than 6 blocks

Copy a circle with pencil or crayon

Show affection for friends without prompting

Be away from parents with supportive and familiar people for 4 hours or more to prepare for pre-school

Coordination

Walk down stairs unassisted

Maintain balance while catching a ball or when gently bumped by peers

Throw and attempt to catch ball without losing balance

Walk and maintain balance over uneven surfaces

Use both hands equally to play and explore toys

Learn to pedal a tricycle

Daily Activities

Able to self-calm in car rides when not tired or hungry

Tolerate diaper changes without crying or whining

Has an established sleep schedule of 10 hours or more a night and 1-2 hours of nap time after lunch at least 5X a week

Able to self-calm to fall asleep

Able to tolerate and stay calm during dental visits

Able to brush his teeth without whining or crying 3X a day

Is potty trained before preschool starts in September

Dresses and undresses self by figuring out buttons, zippers, and straps

Communication

Is able to consistently use 3-4 word phrases e.g. “I am hungry,” “The garage door is white,” “Walk with daddy,” “Financial Samurai is the best!”

Uses “in” and “on”

At least 75% of speech is understood by any caregiver

Follows 2-step unrelated directions, e.g. “give me the ball and go get your coat”

Understands “mine” and “yours”

Says words like “I,” “me,” “we,” and “you” and some plurals (cars, dogs, cats)

Understands half of what we communicate to him in English, in Mandarin

The next 12 months is going to be a huge challenge due to his growing temper tantrums. Another challenge is staying healthy since we're all getting sick more often now as he's exposed to other kids. Luckily, my wife and I haven't been sick at the same time yet. We'll finally introduce some screen time to him after his second birthday, which should help keep him occupied during trips.

7) Spend $1,500 more a month on life. We have frugality disease. We are spending less today than we were in our late 20s, despite having a much higher income and net worth. Our estate planning lawyer sessions really made us realize we will likely die with too much.

I've been slowly spending more money on things that may improve our lives. For example, the $4,000 large jet tub I bought in 2014 has come in handy for family bath time now. The $15,000 I spent on the outdoor hot tub in 1H2017 was one of the best purchases ever. Further, I have no regrets paying $58,000 cash for a used family car in December 2016 either. Baby steps on the road to lifestyle inflation!

We will allocate the extra $1,500 in spending towards more babysitting help, more massages, bi-monthly house cleaning, and quarterly gardening. We will purchase at least economy plus tickets for all our parents to come visit. Further, if we take our first flight as a family, we will purchase economy plus tickets as well.

We are also going to regularly give to two charities all year. One will be to a center for foster kids and abused youth. Another will be for children with visual impairments. I also like supporting public park tennis initiatives.

Related: Practice Taking Profits To Pay For A Better Life

8) Pay off $200,000 of mortgage debt. Paying off my SF rental condo in 2015 felt wonderful. I don't care whether it goes up or down in value because I truly plan to own it forever. Selling my SF rental house and paying off a $815,000 mortgage in the process also felt terrific. No matter how much more I could have made investing in risk assets, I've never regretted paying off debt.

Our ultimate goal is to be debt free by 2022, when our boy is ready for kindergarten. Paying down $200,000 a year in extra mortgage debt will accomplish this goal. In a bear market, it feels great to earn a guaranteed return. But it's also important to have lots of liquidity to take advantage of opportunities as well.

9) Aggressively search for a larger house. I dodged a bullet in 2018 by not buying a larger house for more money. I wrote two offers for San Francisco homes that both got rejected. I was seriously going to try and buy this one expensive SF house in a great neighborhood, but by the time I was going to put in an offer, they had accepted another offer on November 1 for asking. If I had bought the house I'd be feeling nervous today since the stock market corrected by 20% soon after. It's not unreasonable to assume to house is now worth $200,000 (5%) less today.

Meanwhile, the seller of the house in Honolulu I've been eyeing since 2016 gave up trying to find a buyer in 4Q2018 and rented out the house from Oct – January to short-term tenants. The original asking price was $4.7M in 2016. Today, I think there's a good chance they will accept $3.5M – $3.7M.

I want a bigger house in SF so my parents, in-laws and sister can come visit for a longer period of time. One more bathroom and 500 sqft more of space would be ideal. However, if I move to Honolulu, I won't need a bigger house since my parents have their own house.

I anticipate there will be many more deals in 2019 given inventory will likely be up 50% – 150% in San Francisco and Honolulu. I suspect the IPOs of Uber, Lyft and others will put a -10% floor on SF prices.

10) Be a voice for at least 50% of the population. Due to the high cost of living, there are very few personal finance bloggers who live in an expensive coastal city. This makes rational sense, especially if you are a FIRE blogger. But a full 50% of the national population lives in expensive coastal cities and other big cities around the country and world that face slightly different challenges. Therefore, I have an opportunity to establish Financial Samurai as a go-to resource for big-city audiences.

It's going to be fun tackling topics such as: private grade school tuition, the feasibility of retiring early with a family in a HCOL area, forsaking wealth and prestige, the dangers of creating multi-generational wealth, featuring diverse cultural backgrounds, and more. My goal is to convince big media to provide a more diverse perspective on financial independence since not everybody can or wants to move to a low cost area of the country.

11) Be more forgiving of myself. No matter what project I undertake, I always run through the finish line. Financial Samurai's finish line is July 1, 2019 after I made a promise in 2009 to publish 3X a week for 10 years. After that, who knows the future.

The funny thing about this finish line is that it is completely arbitrary. There is absolutely no need to put pressure on myself to produce so much content, especially if I'm having a rough week or sick. Financial Samurai surpassed my expectations long ago. Therefore, I'm going to give myself four weeks where I'll just publish one post plus I'll take it easy the entire month of June, when traffic is slowest.

By giving myself a break, I hope to sleep in more regularly until 6am. For the majority of 2018, I was naturally waking up by 5am after going to bed around 11pm. But during 4Q2018 and after daylight savings, I started naturally waking up as early as 3:30am to get my writing done before my wife and son woke. This crazy early time must have been due to increased anxiety from the stock market collapse.

With more sleep and less stress, I hope to improve my overall mental health and happiness. My desire to constantly grind stems from mistakes made in high school, plenty more rejections as an adult, and an indoctrination since I was a kid that I need to try harder as a minority to get ahead in America. I know I have a really good thing going now, so I don't want to take my good fortune for granted.

12) Celebrate big and small wins. To make the hustle more worthwhile, we will celebrate all our achievements as parents, writers, and entrepreneurs. A celebration can be as small as opening a nice bottle of wine. These celebrations will also help us fulfill our goal of spending more.

Every evening I will highlight something specific I appreciate about my wife so she always feels recognized and loved. She is an incredible full-time mom who also launched the FS Forum, finalized our revocable living trust, registered How To Engineer Your Layoff and Cutie Baby with the Library Of Congress, and is responsible for all ongoing business accounting. It's clear I haven't done a good enough job appreciating her efforts over the years, which is why I'm committed to do more for her in 2019 and beyond.

Steady As She Goes

If we can grow our net worth by just 5%, I'll be happy. I'm willing to forego upside investment potential to help ensure our net worth goes up in 2019. Despite our public investments accounting for only about 30% of our net worth, it gave me the most stress in 2018. This will change.

I still have hope the Fed will slow down its rate hikes. If they do, I'm confident the economy will chug along at 2% – 2.5% GDP growth and not enter into a recession. However, there are no exciting positive catalysts on the horizon except for a trade agreement with China by end of 1Q. 2019 will likely be another volatile year.

The last two years working on FS and being a SAHD has worn me out. Given we save most of our after-tax business income by living off our passive income, I'm excited to live it up more in 2019 and use my “vacation credits” to take it easier.

If you have any tips on how to smartly inflate your lifestyle without feeling guilty, I'd love to hear them. I also want to learn how to inhale the roses more often without feeling the need to always be productive.

What are some of your goals for 2019? How do you see the stock market and economy unfolding?

The post Financial Samurai 2019 Economic Outlook And Personal Goals appeared first on Financial Samurai.

[alia15]

How Did We Survive?

It’s 2017.  I’m not sure what, say, my 90-year-old Grandmother envisioned this year would look like when she was born in the 1920s, but we're definitely a futuristic and digitally advanced society that now relies on technology BIG TIME.  Hell, I was born in 1982 and that’s practically the Stone Ages for kids today.  My almost-3-year-old niece will never know a world with landline telephones, answering machines, cassette tapes and dial-up modems.  

We rely so much on technology now that I often wonder how we ever survived without some of the everyday things we use now at work, in our personal lives, for commuting, entertainment and more.  But the thing is?  We did survive.  We didn’t know what we were missing.  We didn’t know how much easier, convenient and enjoyable life could be.  And in a lot of ways, it was a simpler time.  You went to a party/holiday/gathering and everyone was present.  There were no iPhones or dog filters on Snapchat or faces to swipe left/right on looking for a date. 

Here are some of the ways we had to “survive” back in my day:

GPS.  Now?  If I’m ever going anywhere -- a three-hour road trip or a couple towns away to a new restaurant to meet a friend -- I get into my car, plug my iPhone in, type in the address into Google Maps and just...drive.  No questions asked.  The voice on the phone will navigate the ride and tell me where to go, where to turn, how long I have until I arrive at my destination, and when I’ve arrived.  It doesn’t get more simple than that.

But it wasn’t that long ago that “smart phones” didn’t exist, and while the Internet was very much a thing, it was limited.  If you were going on a trip to a different state, you’d go on something called MapQuest (is that even still a thing?) (OMG it is; I just looked) and type in your current location along with your destination.  Then, you’d print it out.  ON PAPER.  How the hell did we do this?  It’s absolutely psychotic.  You’d have six pages of directions with tiny ass font and had to drive whilst simultaneously trying to read and follow along and not lose your place.  What an absolute nightmare.  And don’t get me STARTED on pre-Internet days when you had to use maps.  That is absurd.

Uploading pictures online.  Nowadays, go to a wedding, concert, birthday soiree or even just a random night out and you can not only TAKE a photo (or 100 photos, if you’re me) on your phone, but you can instantaneously POST them.  Folks sitting at home; bored, watching TV and covered in Cheeto dust can pull up Facebook or Instagram or whatever and actually see the photo you just put up and watch all the fun you’re having and see the cute outfit you’re rocking in real time.  Cool! Back in high school and college, however, we didn’t have this.  We took pictures, sure -- but we brought out disposable cameras to bars and parties, took 27 photos that night that we never saw and therefore couldn’t redo/retake, and had to wait to get them “developed.”  Then?  You’d bring out that little envelope of 27 photos next time you were seeing your friends so they could look through them and if you were NICE you got “doubles” printed so they could have a copy.  There were no digital versions, there was nothing to post, nothing to make your “Profile Pic,” and CERTAINLY nothing incriminating that sat on the World Wide Web until you died, which, I’m cool with.

DVR.  I don’t watch live TV.  Ever.  I either watch Netflix, stuff On Demand, movies, OR, I record live TV and watch things later.  A little invention called the DVR made this easy for people like me who have the attention spans of gnats and don’t want to be bothered watching 12 minutes of a show and then 5 minutes of a commercial...and then repeating that until it’s over.  No, now we can watch an episode of Dateline uninterrupted and at our own convenience, even if we weren’t home Friday night when it originally aired. (I’m always home on Friday night when it airs, but you get the point)  Glorious!

Growing up, this wasn’t an option.  I wouldn’t have even fathomed or dreamed of a world where this could exist.  If you loved a show, you either saw it when it was on or you didn’t.  End of story, shit outta luck, snooze you lose.  You didn’t get another chance unless that episode ended up being a “repeat” weeks or months later so you could finally catch it.  Suuuuuure, maybe you lived in a modern household where y’all recorded shit on VHS,  but that wasn’t a fool-proof system.  And if you WERE home to watch that night’s episode of Fresh Prince of Bel-Air, well, you had to suffer through every commercial.  Those were called “bathroom and snack breaks.”

Music.  Music has become one of the most accessible things on earth, which I LOVE.  Think of a song -- any song that’s ever been recorded since the beginning of time -- and you can hear it.  Right now.  You can purchase it so you have it at your fingertips (er, eardrums?) at your disposal, or you can ‘stream’ it online via sites like Spotify and YouTube.  As a music lover, I can’t think of anything better.

ESPECIALLY because when I was growing up, this wasn’t the case.  You’d listen to the radio and hear a new single by the artist you loved, and would be DYING to hear it again -- except after that initial experience you’d always catch the tail end of it or miss it completely.  You’d then do asinine things like putting a blank cassette tape in your boombox, waiting for hours for said song to play on the radio and hit “record” so you finally had it.  OR, you’d buy an entire tape or CD just because you loved that one single even though the rest of the album was total dog shit.

Phones without Internet.  I have an iPhone, and I use that thing for...every thing.  GPS, camera, texting, phone calls (eh, not really), social media, online dating (eh, not anymore), Googling stuff, you name it. I can’t imagine a time where I didn’t have everything I needed in a tiny little device.  

And believe it or not, I got my first cell phone in high school.  I went out a lot and my parents liked the idea of being able to get in touch with me (or me having a phone in emergencies),  so I got some dinky little Nokia phone that did nothing.  NOTHING!  It made phone calls.  End of list.  You couldn’t “text,” there was no Internet to surf, there were no “apps” and social media wasn’t even a thing then.  Maybe -- MAAAAYBE -- if you were lucky, that thing had some low-budget games on it.  But essentially the phone’s sole purposes was to be, well, a phone.  AKA the very thing I RARELY use my phone for now.

(I had that Pink Razr phone)

So, going back to my original question: how did we survive?  

I think we did just fine.  

What’d I forget to include?  Let me know in the comments!

[steven-blanco]

1-200!!! I can't choose just a few so answer them all please (unless there's ones you don't want to answer!)

200: My crush’s name is: I have two crushes. His name is Franco and her name’s Montse.199: I was born in: January 30th198: I am really: Funny197: My cellphone company is: Telmex196: My eye color is: Hazel195: My shoe size is: I think in USA would be 8 or 8 ½194: My ring size is: No clue193: My height is: 5’ 11"192: I am allergic to: Dust191: My 1st car was: None190: My 1st job was: I’ve did a couple things for money but I don’t consider them as jobs.189: Last book you read: It’s actually a play. The White Devil by John Webster.188: My bed is: my husband and wife.187: My pet: are my life. 186: My best friend: I have a lot of best friends tbh.185: My favorite shampoo is: Pantene184: Xbox or ps3: PS3183: Piggy banks are: really useful 182: In my pockets: my phone181: On my calendar: Waiting for fall.180: Marriage is: kinda risky but beautiful.179: Spongebob can: just end?178: My mom: Chaotic neutral.177: The last three songs I bought were? 1. Love of the Loveless by The Eels.2. Italian Leather Sofa by Cake.3. Seven Hours With A Backseat Driver by Gotye.176: Last YouTube video watched: Smiles and Tears - Ocarina cover. https://www.youtube.com/watch?v=2kDSKLzmHhg175: How many cousins do you have? Jeez, a lot. 174: Do you have any siblings? Yep. I’m the little one.173: Are your parents divorced? Wait. 172: Are you taller than your mom? Yes.171: Do you play an instrument? I don’t, sadly.170: What did you do yesterday? Not hoping I was dead. It was a good day.[ I Believe In ]169: Love at first sight: Yes.168: Luck: Of course.167: Fate: Sure.166: Yourself: Indeed.165: Aliens: Sí.164: Heaven: I hope. 163: Hell: I guess.162: God: Yes.161: Horoscopes: Kinda.160: Soul mates: Absolutely159: Ghosts: I live with one.158: Gay Marriage: Sure.157: War: Combo breaker! No. 156: Orbs: I have a few photos of them.  155: Magic: 100% Yes!

[ This or That ]154: Hugs or Kisses: Kisses.153: Drunk or High: High.152: Phone or Online: Phone.151: Red heads or Black haired: Red heads ❤️150: Blondes or Brunettes: I don’t care.149: Hot or cold: Cold.148: Summer or winter: Winter.147: Autumn or Spring: Autumn 146: Chocolate or vanilla: I love both!145: Night or Day: Night.144: Oranges or Apples: Oranges.143: Curly or Straight hair: I love my curly hair. 142: McDonalds or Burger King: McDonalds.141: White Chocolate or Milk Chocolate: Don’t do this to me!140: Mac or PC: PC. 139: Flip flops or high heals: High heals are fun but flip flops are comfortable. I’ll take flip flops.138: Ugly and rich OR sweet and poor: Sweet and poor. 137: Coke or Pepsi: Coke.136: Hillary or Obama: Obama.135: Burried or cremated: Cremated.134: Singing or Dancing: What!? I can’t decide.133: Coach or Chanel: This is so american.132: Kat McPhee or Taylor Hicks: This is so american x2.131: Small town or Big city: Big city.130: Wal-Mart or Target: We don’t have Target in Mexico. Wal-Mart. 129: Ben Stiller or Adam Sandler: I can tolerate Ben Stiller a little bit more. 128: Manicure or Pedicure: I really need a manicure right now. 127: East Coast or West Coast: East Coast?…126: Your Birthday or Christmas: Christmas doesn’t make me feel old.125: Chocolate or Flowers: Flowers. 124: Disney or Six Flags: I’ve only been in Six Flags.123: Yankees or Red Sox: Yankees, I guess. [ Here’s What I Think About ]122: War: Without sense.121: George Bush: Did 9/11120: Gay Marriage: Still waiting for being legal in my whole country. Sadly, it’s never gonna happen.119: The presidential election: Do we still think democracy it’s real? 118: Abortion: Agree. But just as a final resource. 117: MySpace: Never had one. 116: Reality TV: Some are entertained but when people always talks about them and nothing else it really annoys me. 115: Parents: I love mine. 114: Back stabbers: Watch out.113: Ebay: Useful but watch out again.112: Facebook: It was fun when I was 14. Now I barely post something.111: Work: Do something that you love. Then it’s not work.110: My Neighbors: Someones are really hot. 109: Gas Prices: I’m going to walk all my life.108: Designer Clothes: I wish I can fit on that.107: College: Good experience until now.106: Sports: I love doing sports.105: My family: Fucked up in a humorous way.104: The future: I’m terrified tbh.[ Last time I ]103: Hugged someone: 10 minutes ago.102: Last time you ate: I just had a snack.101: Saw someone I haven’t seen in awhile: Yesterday.100: Cried in front of someone: Two months ago.99: Went to a movie theater: Four months ago.98: Took a vacation: Can’t remember.97: Swam in a pool: Two years ago.96: Changed a diaper: Never.95: Got my nails done: Like two years ago too. 94: Went to a wedding: Can’t remember. It’s been a while.93: Broke a bone: I’m not sure if I was in 1st or 2nd grade.92: Got a peircing: Never.91: Broke the law: Four months ago.90: Texted: 20 minutes ago. [ MISC ]89: Who makes you laugh the most: Rick and Morty88: Something I will really miss when I leave home is: Security.87: The last movie I saw: I re-watched Sympathy for Lady Vengeance86: The thing that I’m looking forward to the most: Being an actor.85: The thing im not looking forward to: Being rich or famous. 84: People call me: Steven, Svenson, Child face. 83: The most difficult thing to do is: Staying quiet.82: I have gotten a speeding ticket: No.81: My zodiac sign is: Aquarius.80: The first person i talked to today was: My dad.79: First time you had a crush: I was eight. 78: The one person who i can’t hide things from: Myself.77: Last time someone said something you were thinking: My acting teacher. I love him. 76: Right now I am talking to: My nephews. 75: What are you going to do when you grow up: Have a lot of fun.74: I have/will get a job: when I finish college.73: Tomorrow: I’m going to relax. My fridays are always cool. 72: Today: I’m going to suffer. I have a lot of things to do and here I’m… procrastinating. As always. 71: Next Summer: Wasting my time without guilt.70: Next Weekend: A play to do. 69: I have these pets: Dogs.68: The worst sound in the world: Alarms.67: The person that makes me cry the most is: Selma fucking Jezkova. 66: People that make you happy: Family and friends. 65: Last time I cried: Last week.64: My friends are: fun hoes.63: My computer is: dead. I’ve being using my brothers Mac. 62: My School: Is ok.61: My Car: Doesn’t exist.60: I lose all respect for people who: doesn’t respect other people.59: The movie I cried at was: Only Yesterday.58: Your hair color is: Dark brown.57: TV shows you watch: Mostly cartoons. 56: Favorite web site: Youtube.55: Your dream vacation: Anywhere with a pool.54: The worst pain I was ever in was: when I broke my left foot.53: How do you like your steak cooked: Well done.52: My room is: Always clean.51: My favorite celebrity is: Hayden Panettiere 50: Where would you like to be: 2001.49: Do you want children: Yes.48: Ever been in love: Yes.47: Who’s your best friend: I have a lot. It will be pretty unfair if I miss someone.46: More guy friends or girl friends: All my life I’ve been surrounded by women.45: One thing that makes you feel great is: working out.44: One person that you wish you could see right now: My friend Luck. 43: Do you have a 5 year plan: Kinda. 42: Have you made a list of things to do before you die: Yes. 41: Have you pre-named your children: OF COURSE. 40: Last person I got mad at: a classmate. He can be an irresponsable pain in the ass.39: I would like to move to: Canada or Japan. 38: I wish I was a professional: musician.[ My Favorites ]37: Candy: Pecositas.36: Vehicle: None. 35: President: None.34: State visited: My family visited a lot of states when I was a baby. I can’t remember anything. 33: Cellphone provider: I don’t care.32: Athlete: I don’t know any. 31: Actor: Gary Oldman.30: Actress: Susan Sarandon.29: Singer: Emilíana Torrini. 28: Band: Gorillaz.27: Clothing store: None.26: Grocery store: A market. 25: TV show: Daria. 24: Movie: The Fifth Element.23: Website: YouTube.22: Animal: Fox.21: Theme park: Only know Six Flags.20: Holiday: Halloween/Día de Muertos.19: Sport to watch: Golf.18: Sport to play: Baseball.17: Magazine: Quo.16: Book: Momo.15: Day of the week: Saturday.14: Beach: Meh.13: Concert attended: Someone take me to a concert, because I’ve never attended any. 12: Thing to cook: Any dessert. 11: Food: It’s really fun cooking japanese food. 10: Restaurant: A mexican one. 9: Radio station: Any with 80′s music.8: Yankee candle scent: What?7: Perfume: Any.6: Flower: Sunflower5: Color: Blue4: Talk show host: Stephen Colbert.3: Comedian: Wanda Sykes, Anjelah Johnson and Bo Burnham.2: Dog breed: Pug or Schnauzer.1: Did you answer all these truthfully? I think I did. 

[jo-the-schmo]

Doing it

I'm following @whatinfreenation 's example and do all dem questions (no one cared or asked for this but imma hit you) 200: My crush’s name is: I'm lonely and scared of relationships 
199: I was born in: Dayton, Ohio (Fuck me)
198: I am really: chronically depressed and anxious 
197: My cellphone company is: AT&T
196: My eye color is: blue-gray
195: My shoe size is: Women's 5
194: My ring size is: idk people just give me them
193: My height is: 5'2 (I'm smol)
192: I am allergic to: people 
191: My 1st car was: I choose not to drive 
190: My 1st job was: babysitting except I get no money 
189: Last book you read: In Cold Blood
188: My bed is: covered in clothes
187: My pet: is many, I have many pets
186: My best friend: is a little shit
185: My favorite shampoo is: MOTHERFUCKING DOVE ORANGE BLOSSOM YAS BITCH
184: Xbox or ps3: I have an Xbox but I prefer PlayStation 
183: Piggy banks are: Cute
182: In my pockets: I'm wearing exercise pants 
181: On my calendar: I don't have one but if I did it would be empty 
180: Marriage is: Scary
179: Spongebob can: love forever
178: My mom: is a bitch (yell at me if you want)
177: The last three songs I bought were?: I use Spotify
176: Last YouTube video watched: Game Grumps play Breath of the Wild episode 33
175: How many cousins do you have?: I'm Italian I have no fucking clue, too many
174: Do you have any siblings?: Yes, I am the youngest of 5 girls
173: Are your parents divorced?: never married, I was born out of wedlock (how scandalous)
172: Are you taller than your mom?: the same height, we all short
171: Do you play an instrument?: yes! I play several!
170: What did you do yesterday?: Cried myself to sleep [ I Believe In ]
169: Love at first sight: Fuck no
168: Luck: eh
167: Fate: not really 
166: Yourself: Definitely not
165: Aliens: I mean probably 
164: Heaven: Nooo
163: Hell: I wish
162: God: I don't have religion 
161: Horoscopes: I think they're neat
160: Soul mates: Kinda?
159: Ghosts: yeah, I believe in ghosts for a lot of reasons 
158: Gay Marriage:OMFG YES I AM SO GAY AND SJEKDJEJSKKS
157: War:Is horrible, why do we have to be like this?
156: Orbs: what?
155: Magic: I wish! [ This or That ]
154: Hugs or Kisses: Hugs, last time I was kissed...it wasn't great for me
153: Drunk or High: 420!!!!
152: Phone or Online: Online
151: Red heads or Black haired: All hair, no hair, all the same for me
150: Blondes or Brunettes: whatever you want boo boo
149: Hot or cold: hot
148: Summer or winter: Summer
147: Autumn or Spring: SPRING
146: Chocolate or vanilla: Vanilla usually but chocolate is really nice 
145: Night or Day: Night
144: Oranges or Apples: Apples
143: Curly or Straight hair: I love curly hair!
142: McDonalds or Burger King: I'm trash and hungry 
141: White Chocolate or Milk Chocolate: I just like milk in general
140: Mac or PC: ehhhhh
139: Flip flops or high heals: Heels, I like to kick people with them on
138: Ugly and rich OR sweet and poor: I'm ugly and poor
137: Coke or Pepsi: Coke 
136: Hillary or Obama: Obama is a G
135: Burried or cremated: Idk yet 
134: Singing or Dancing: Fuck you
133: Coach or Chanel: I'm poor
132: Kat McPhee or Taylor Hicks: idek
131: Small town or Big city: Big City
130: Wal-Mart or Target: I go to Walmart but I wish it was Target
129: Ben Stiller or Adam Sandler: who cares?
128: Manicure or Pedicure: I need short nails
127: East Coast or West Coast: MOTHERFUCKING WEST BITCJ
126: Your Birthday or Christmas: Christmas, I hate my birthday 
125: Chocolate or Flowers: Chocolate 
124: Disney or Six Flags: Disney!
123: Yankees or Red Sox: I don't do sportsball [ Here’s What I Think About ]
122: War: again, is fucking terrible
121: George Bush: Obama was cool so idec
120: Gay Marriage: IS JUST AS VALID AS STRAIGHT MARRIAGE OR MARRIAGE BETWEEN PEOPLE OF OPPOSITE SEX
119: The presidential election: was a train wreck, we should've felt the burn
118: Abortion: Needs to be legal in all states, by making it illegal we are putting more people at risk of harm 
117: MySpace: 3 old 5 me kinda
116: Reality TV: Do whatever you want TV I'm not your mama
115: Parents: my dad is cool, my mom is crazy, step mom is chill, step dad can go FUCKING DIE
114: Back stabbers: need to cease from stabbing 
113: Ebay: gets rid of my dad's crap
112: Facebook: ok I guess 
111: Work: I just wanna help people
110: My Neighbors: I don't know them
109: Gas Prices:I don't drive 
108: Designer Clothes: eh whatever
107: College: I want to go but I'm really dumb and not good at anything
106: Sports: Color Guard is my favorite sport
105: My family: is oddly chill for Roman Catholics 
104: The future: A thing I try to hope will be better [ Last time I ]
103: Hugged someone: a few days ago, I was sad
102: Last time you ate: I am eating right now
101: Saw someone I haven’t seen in awhile: today, I'm visiting my mom and 2 of my sisters
100: Cried in front of someone: A couple months ago, I don't like people seeing me cry...
99: Went to a movie theater: like 2 months ago
98: Took a vacation: 5 years ago
97: Swam in a pool: last summer
96: Changed a diaper: I help my sister babysit 
95: Got my nails done: never
94: Went to a wedding: my dad's wedding 4 years ago
93: Broke a bone: I haven't done that yet
92: Got a peircing: I'm getting one soon
91: Broke the law: I am very dank
90: Texted: 6 hours ago [ MISC ]
89: Who makes you laugh the most: my Best Friend KD
88: Something I will really miss when I leave home is: my ability to cry in my room
87: The last movie I saw: A Time to Kill (I can't think about that)
86: The thing that I’m looking forward to the most: Possibly not feeling depressed? And finishing my fanfic!!!
85: The thing im not looking forward to: What I do after the fanfic is done
84: People call me: Jo or Mojo
83: The most difficult thing to do is: To look at yourself and tell yourself that you are worth it when you don't feel like you are
82: I have gotten a speeding ticket: nope
81: My zodiac sign is: Capricorn 
80: The first person i talked to today was: my sister May :3
79: First time you had a crush: I was like 10
78: The one person who i can’t hide things from: I can hide something from anyone I do it all the time
77: Last time someone said something you were thinking: Everyday I'm with KD, we are turning into the same person 
76: Right now I am talking to: Tayah 💜💚💜
75: What are you going to do when you grow up: I either want to be a makeup artist, drama teacher, or art teacher
74: I have/will get a job: I want to, don't know if I'll live that long hahahahahah
73: Tomorrow: might be better
72: Today: I don't like visiting my mom
71: Next Summer: I'll be with my mom
70: Next Weekend: I'll be with my mom
69: I have these pets: many dogs and cats
68: The worst sound in the world: that sound that Music stands make against smooth tile 
67: The person that makes me cry the most is:
66: People that make you happy: my Tumblr friends💜💚💜
65: Last time I cried: last night
64: My friends are: Anyone who's nice to me
63: My computer is: not mine
62: My School: Can suck my dick, Lord Travis Richardson III
61: My Car: doesn't exist 
60: I lose all respect for people who: Hurt people out of amusement 
59: The movie I cried at was: A time to Kill 
58: Your hair color is: naturally it's a light brown 
57: TV shows you watch: Sleepy Hollow
56: Favorite web site:...Tumblr...
55: Your dream vacation: Naples, Italy
54: The worst pain I was ever in was: Panic Attacks
53: How do you like your steak cooked: medium well
52: My room is: odd
51: My favorite celebrity is: DAVEED DIGGS
50: Where would you like to be: in with New York, North California or Oregon
49: Do you want children: I want to adopt
48: Ever been in love: I don't feel love
47: Who’s your best friend: KD
46: More guy friends or girl friends: It used to be guys but now they scare me
45: One thing that makes you feel great is: Makeup
44: One person that you wish you could see right now: Anyone who can help me feel better
43: Do you have a 5 year plan:
42: Have you made a list of things to do before you die: No, because I can't think about dying too much ;-;
41: Have you pre-named your children: I promised my sister that if I adopted/had a baby girl her name had to be Winnrie 
40: Last person I got mad at: Myself
39: I would like to move to: anywhere but here
38: I wish I was a professional: Makeup Artist [ My Favorites ]
37: Candy: Gummy Bears :3
36: Vehicle: motorcycle 
35: President: OBAMA
34: State visited: America is weird
33: Cellphone provider: I don't care
32: Athlete: I don't follow
31: Actor: Lin Manuel-Miranda
30: Actress: PIPA SOO MY BB
29: Singer: does Daveed count?
28: Band: Queen and Black Veil Brides
27: Clothing store: Hot Topic
26: Grocery store: Jungle Jim's (it's an Ohio things)
25: TV show: SLEEPY HOLLOW
24: Movie: Tangled
23: Website: always Tumblr 
22: Animal: panther
21: Theme park: King's Island
20: Holiday: Halloween 
19: Sport to watch: WGI
18: Sport to play: MARCHING BAND
17: Magazine:History
16: Book: history text book
15: Day of the week: Thursday 
14: Beach: I don't do water
13: Concert attended: I've never been...
12: Thing to cook: Pasta!
11: Food: all food
10: Restaurant: all of them
9: Radio station: nope
8: Yankee candle scent: wedding cake 
7: Perfume: I wear Captivate
6: Flower: Bleeding Hearts an baby's breath 
5: Color: Purple and Green
4: Talk show host: Jimmy Fallon and John Oliver 
3: Comedian: Gabriel Iglesias 
2: Dog breed: Mutt Wuppy 
1: Did you answer all these truthfully? I have no reason to lie I guess ?