#Financial Security

[svdaily]

[ouran-boytoy-fanfiction]

... does haruhi even realize that since ouran is made up of rich heirs that any connections/grudges made there have long-lasting effects

since they befriended the host club they're set up for life

[cowboyjen68]

Hi Jen. Would you mind giving relationship advice?

I have been in a relationship for almost a decade. She didn’t have a job when we first got together, but she previously had a part time job so I thought that she was mostly just between jobs. As we’ve stayed together, she still hasn’t got a job despite me asking and begging her to. She has some issues so it’s kind of understandable but it increasingly stresses me out.

I’m staying with her and her mom (can’t afford a place on my own and have 0 family due to homophobia). I love her but I feel like she doesn’t love me or she would get a job. It’s literally the only thing that I want her to do and she’ll be super sweet and a chivalrous butch. But she just won’t get a job and feels incapable. When I feel like we’re doing kind of okay financially I don’t mind. But other times I feel really taken advantage of, unloved, resentful, hurt, and confused. I think I’ve enabled the behavior too long and she’s never going to change but I literally can’t afford to up the ante and give an ultimatum since everything requires dual income right now. (I just wish the dual income was mine and hers rather than mine and her mom’s). It’s also upsetting because I feel like she doesn’t care enough about her mom either. I feel like the one time I brought that up, she did kind of consider trying for a part time job (more seriously than ever before) which is more than she’s ever done for me. So I feel very unloved to say the least.

I’ve tried communicating and feel at a loss.

I am going to answer this from 17 years of experience. My wife quit her job within a year of us getting together and was in and out of a few jobs but would sooner or late come home and say things like "This job is really stressing me out and It is making me feel sick can I quit? Will we be okay if I quit". I loved her so I, trying to be the supportive wife, would always say "yes, of course, there are other jobs" but knowing full well she might go months without looking or applying for jobs.

Once we became parents she took that opportunity to be a "stay at home mom" but the problem was she didn't clean or do paper work or even want to take them to appointment or do homework. SO i worked two jobs and dealt with the household management for most of the time we were foster parents. IT was terribly stressful and looking back I realize we would not have been constantly financially struggling if she would have just worked an average full time job.

The only thing that drove her to get a full time job was when we separated and she knew the relationship was ending. I STILL ended up partially supporting her until she was able to meet someone new and share living expenses.

In 17 years she did not change. Your girlfriend is not going to change and you need to decide if you want to consistently struggle to support two people on one wage OR just support yourself on one wage. My advice is to decide if you love her enough to give up a chance at financial sustainability. I know you are kind of "stuck" right now. Start to plan ahead. DO not give her any money. IF she asks it all went to other bills and there is none to share. You should stop buying food, nights out and gas. Pay only her mom or ask to take on particular bills and pay them yourself so you know the money is getting to things like water or electric.

It sounds like her mom relies on you as much as you rely on her for help to keep the house/apartment. Use that to you advantage. It is easier said that done but if you want to offer a solutions by where you all stay in the house start a budget sheet listing the house and shared expenses. Divide it by 3 and present that number to your girlfriend. Pay only your 1/3 of the expenses.

If you don't feel like you can do that it is understandable. I would make an exit plan and stick too it. Don't spend the rest of your life with not stability or financial security and working yourself to death in the process. You don't owe her that. Make a savings account, start to look around for roommates at your job or in friend groups. It feels terrible to be sneaking around and making break up plans long before it is feasible for you to break up but you might have to in order to keep yourself safe.

It is possible that you can break it off with her and continue to "rent" from her mom. It sounds like your GF has little respect and no empathy for you and the fact that you are working so hard all the time when she does nothing. Perhaps she only loves what you can give her not you as a person. I hate to even say it but either way, you deserve to be happy and secure and she is preventing both of those things from happening.

She won't change so it is up to you to change your situation.

[mafermette]

Underconsumption, minimalism, budgeting... It's all the same!

[intrinsicmotives]

Tips for any and all ladies following me.

Invest in stocks (plenty of apps allow you to purchase small percentages of a stock or crypto. So if you can only do $50 a month.. do it)

Invest in your 401k (if this option makes sense. especially if your employer is matching you)

Take care of your credit. (I don't care what anyone says, in the U.S. it matters. Even if you're at a 500 score, you can get it up. Make arrangements and pay what you owe. If there's an error or if you don't owe it, report a claim with the credit agencies. Don't just ignore it.)

Ask for the promotion/raise. (A lot of times people feel like they should be grateful just to have a job. Nope. If you're putting in the work respectfully ask for the compensation. 🤷🏽‍♀️ Worst case you stay right where you are. A lot of places will work with you to move up. 🚩 Just don't let them take advantage either. )

If you can invest in actual tangible assets. ( Buy some silver/gold. Save up for that down payment for some land or that house. Diversifying your assets is never a bad thing.)

Being kept is cute & if that's for you, I support your journey. 💛

For me, there is nothing better than having your own shit. Everything else someone brings to the table is a bonus.

Remember if you got $ for your vices, you have money to allocate for your own future.

💰🪙🫰🏽

& of course don't just take my opinions as facts. Do your own research and find what works for you sis. There are so many resources out there.

[familythings]

100 Ways to Make Extra Money for Your Family

Hi guys, I’m back today with tips for your Personal Finance journey. Life is becoming more expensive everywhere, with pricing going up like the fastest rabbit of the forest and the salaries moving so slow, like the lazy turtle. But, life is too short to wait for the salary to grow enough to cover for extra costs, or having the money for so-needed holidays in your To Travel List Countries, and for…

[idroolinmysleep]

How Americans define a middle-class lifestyle — and why they can’t reach it

About 9 in 10 U.S. adults said that six individual indicators of financial security and stability were necessary parts of being middle class

But…

Just over a third of Americans met all six markers of a middle-class lifestyle.

Oof, that's quite a gut-punch of a graph.

[ivygorgon]

An open letter to the U.S. Senate

Improve disabled American's financial stability with S.4102 - SSI Savings Penalty Elimination Act

In the words of David Goldfarb on behalf of the Arc of the United States, "…we enthusiastically endorse S. 4102, the SSI Savings Penalty Elimination Act, which would raise the amount of savings a Supplemental Security Income (SSI) recipient can keep for the first time in over thirty years. The mission of the Arc is to promote and protect the human rights of people with intellectual and developmental disabilities (IDD) and actively support their full inclusion and participation in the community throughout their lifetimes.

"SSI provides an extremely modest cash benefit, a maximum of $841 a month in 2022, for certain individuals with disabilities and older adults. In March 2022, nearly 7.6 million people: 4.3 million working-age individuals with disabilities; 1 million children with disabilities; and 2.3 million older adults relied on the program.

"Many individuals with IDD rely on the SSI program. In 2017, SSA estimated that approximately 19% of working-age SSI recipients possessed an intellectual disability. For many people with IDD, SSI is their only source of income without which they could become institutionalized or homeless.

"Unfortunately, the benefit’s low, outdated resource limit of $2,000 for individuals/$3,000 for couples does not allow people to save for emergencies, such as a leaky roof, car repair, or other unexpected expense. To make matters worse, the $2,000 limit does not adjust for inflation every year, and it has remained the same since 1989.

"The SSI Savings Penalty Elimination Act would significantly improve the lives of SSI recipients, including people with IDD, by raising the asset limit to $10,000 per individual/$20,000 per couple. The legislation also adjusts that number for inflation every year, a critical element in 2 today’s inflationary environment. This will allow SSI beneficiaries to use their own savings to address needed emergencies when they arise.

"Thank you again for this critical legislation."

Truly his letter is phenomenal and applicable to many American citizens. I hope you too appreciate his mastery of diction, his compassion for his fellow American, and the truth in his words.

📱 Text SIGN PYLYME to 50409

🤯 Liked it? Text FOLLOW IVYPETITIONS to 50409

[financeguruadvice]

Financial Planning Worth $1-2 Million US Dollars. I would request you all to go through this guide and share it with everyone you know, so that they can secure their financial future.

[svdaily]

[stayoutofmynamastespace]

“Fiancial security is really underrated”

- white man, in Boulder, at Wonder

[kristingelatin]

[dayofbanks]

Regulatory Environment of Financial Institutions.

Financial regulations are laws and rules that govern financial institutions. Regulations of financial institutions focus on providing stability to the financial system, fair competition, consumer protection, and prevention and reduction of financial crimes. By the mid-1970s, the global financial system witnessed market-oriented reforms that led to liberalization in the financial system, such as the reduction of interest rate controls, removal of investment restrictions on financial institutions and a line of business restrictions, and control on international capital movements. The modern trend observed is that financial sector regulation is moving toward a greater cross-sector integration of financial supervision. In 1998, the adoption of the Basel Accord, which required international banks to attain an 8% capital adequacy ratio was a major significant milestone in banking regulations. The collapse of the global financial system that led to the global crisis can be attributed to the systemic failure of financial regulation. Basel I defined bank capital and bank capital ratio based on two-tier systems. The Basel II framework consisted of Part 1, the scope of application and three pillars, the first one being minimum capital requirements, the second one a supervisory review process, and the third pillar is market discipline. The Basel III framework prepared new capital and liquidity requirements for banks.

Learn more about Regulatory Environment of Financial Institutions related to the publication - Strategies of Banks and Other Financial Institutions: Theories and Cases.

[primerica-blogca]

Come get Insured or Schedule a Job Interview in a matter of Days!!

Follow the page and share the post for your support ,Thank You !!!

[halls-and-home]

One day I will be comfy, with enough breathing room financially to not have to worry, enough money to be able to smoke weed casually, and most importantly, the ability to visit my friends every once in awhile.