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cuttergauthier · 2 years ago

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Neighbours

Quinn Hughes x Female reader

Warning: against, fluff, cussing, alcohol

word count: 3.7k

let me know what you guys think🤍

April 2022

I moved to Vancouver 2 weeks ago for work even though I can work from home. I wanted a change so I decided to move. I'm a clothing designer. I started the summer before I started going to university. It was hard trying to juggle a clothing brand and university at the same time especially since i was doing extra classes during summer since i wanted to be able to finish a semester earlier so i could go back home for summer & be settled in Vancouver for when i come back in September, but i was able to make it work.

When I first started I would only make 1 shirt in all sizes and sell them, it took a while to be able to make money off it, but now the clothing company is doing really well, It’s an online clothing store. I sell both Women & Men clothes from comfy to fancy.

I’ve always wanted to open my own store and I thought Vancouver would be perfect for that, most of my buyers are from canada.

I was born in Plymouth Michigan, i grew up in a lake house, my parent’s love it here, so do i, during winter my dad, my older brother and i would go skating on the lake, it’s one of my favorite things to do during the winter, during summertime we would go on boat rides almost every day.

I went to the University of Michigan, I graduated in June, it was the best 3 and a half years, now I'm on a new chapter of my life. I

I am still getting used to Vancouver. I don’t really know where everything is yet, it’s only been 5 days and i can work on my own time as long as i meet my deadlines, so i’ve been walking around Vancouver. It was a pretty chilly day but it wasn’t too bad. We are now at the end of April.

It took a while before moving here to look for an apartment, And to get everything settled since I’m American i needed to apply for a work visa, it took a while before i was accepted.

I finally found a cute coffee shop so I made my way inside and in line to order. I looked at the menu to see what I should order. Once I decided to go with (favorite coffee order) the line was shorter and it was only a cute guy in front of me and I.

When I finally ordered, I made my way to the pick up station. The cute guy got his drink before me and walked out. I got my drink a second later and left the coffee shot. I started walking back to my apartment since I still have some unpacking to do.

I’m walking and looking around me, Vancouver is truly a beautiful city. I looked in front of me and saw the cute guy was going in the same direction. He looks familiar but I can't figure out why.

I saw him getting in the same apartment building I live in, maybe he lives there too. I made my way inside to see the elevator doors about to close. The guy looked up from his phone and saw I was walking that way, so he put his hand to stop the doors from closing.

I smiled as I walked in and stood next to him, to see he selected the same floor as I live on.

“Thanks for holding the door,” I said thankfully.

“No problem,” he said. He looked so serious like he didn’t have any emotion in the fact that i said thank you.

“I’m yn” i said

“Quinn” he replied before looking down at his phone.

He looked pretty tired, maybe that’s why he doesn’t seem to want to talk. But so am I, so I can't judge.

The doors opened on our floor and we both started walking to our apartments. We are both going the same direction.

Once he stopped at his place, I stopped at mine which was the one next to him.

How have i not noticed him till today, since i’ve been here, it looked like no one lived there.

I saw him look at me before he opened the door. I looked at him as we made eye contact for a second.

“See you around neighbor” i told him smiling before walking in my Apartment and closing the door behind me.

I really hope I see him again. I smiled before continuing to unpack my stuff.

1 week later, May 2022

I finished packing my suitcase to bring back home with me. I was finally able to finish unpacking the furniture and everything else in this apartment so I thought I would finally go back home, since it’s warmer there right now then it is in Vancouver.

I made sure everything was turned off and made my way out of the apartment with my suitcase. As soon as I locked my door, Quinn opened his and got out with his suitcase. Looks like I'm not the only one who seems to be leaving Vancouver.

I made my way to the elevator and I saw him do the same. I made sure to wait before pressing the lobby button.

“Thanks” he mumbled

“ no problem… Are you going to Vancouver?” I ask him, trying to make conversation.

He looked at me confused for a minute, before he shook his head.

“Going to see friends and family” he replied

“That’s always nice,” I say. All he did was nod, I guess he’s not one for conversation.

We both got out of the elevator and made our way outside, i had ordered an uber so that I wouldn't have to wait. It looks like Quinn did the same thing. Once my suitcase was in the trunk the driver started making his way to the airport.

I texted my parents to let them know I was on my way to the airport.

I got my bags checked in and made my way to my area. I found a spot where no one was sitting and sat down. My flight is only boarding in an hour but I like coming here earlier in case it’s ever busy.

I saw that my brother had texted me, he’s only 1 year older than me, he's 23 but he’s my best friend.

Big bro

Yo, are you on your way yet?

I chuckled, of course he’s impatient

Just got my bags checked in, we are only boarding the plane in an hour

Big bro

Please hurry, I miss you!

Big bro

Also before i forget, apparently the hughes brothers bought the lake house next to us that was for sale, i met one of them yesterday and some of his friends they all play pro hockey, one of the brothers plays for Vancouver, Jack said he should be getting in today & the ones i met are really cool, they’re around are age, so looks like we’ll have a fun summer🤪

Oh good, at least it’s not another older couple who would complain every time we try to throw a party when mom and dad go away for the 4th of July😂 & wtf obviously i heard about then you idiot, kinda hard not to when we both went to a school where a bunch of hockey players went to. Also I met the youngest Luke at university, Nick introduced me to the freshman at the beginning of the year.

Big bro

I know right😂 oh cool then i guess you’ll know one of them! Anyways see you soon kid!

See ya!

I smiled, hopefully I won't be stuck hanging out with a bunch of idiots the whole summer, but at least we aren’t the only ones our age.

I was scrolling through instagram. In the corner of my eye I saw someone sitting in one of the seats in front of me.

I looked up and saw Quinn, looking like he’s going to Michigan.

He looked up at me so I smiled.

When it was finally time to board the plane, I went and sat in my seat. I'm thankful that i got the window seat, a few seconds later Quinn sat down in the seat next to me.

“Looks like we’re both going to the same place” I said.

He just nodded.

I looked back at him with a small smirk, I have a feeling that I’ll probably annoy him on the flight.

“You’re not much of a talker, are you?” I said teasing him, every time i try and talk to him, he looks like he ins’t interested in talking to me.

“Not really, do you need something from me? i’m not interested, okay, i get enough people trying to get with me just because of who i am i don’t need to have one who’s going to try the whole plane ride back to michigan” he said a little annoyed.

That was rude, why would he think I wanted anything from him… then it struck me that’s why he looked so familiar when i first met him. He’s the guy my brother told me about the brother who plays for Vancouver. He’s Quinn Hughes. He’s also Luke's older brother. How the hell did I not figure this out earlier? Luke told me that his oldest brother played for Vancouver, I just didn’t think he would be my neighbor and having him hate me.

Once I made the connection my eyes widened.

Quinn rolled his eyes.

“See you clearly know who i am, so just leave me alone” he said annoyed.

I scoffed.

“Don’t be so full of yourself, Luke’s my favorite anyways. I also didn’t recognize you until now, not everyone is going to recognize who you are. I’m also guessing you’re going to the lake house you and Jack just bought right?” I said. He’s pissing me off, and since he doesn’t know we are going to be neighbors or that I know Luke, I thought I would creep him out a little bit.

His eyes widened when I said that.

“Omg are you some kind of stalker?” He said in disgust.

I chuckled at his expression, he looks really creeped out right now.

“Not a stalker but according to my brother who met Jack yesterday we are about to be neighbor’s… again.” I said

“I’m sorry… what?”

“Oh My brother texted me earlier turns out you and jack bought the lake house right next to my parents house, looks like we’ll see each other a lot this summer” i said smirk

I heard him curse under his breath.

“You better not go anywhere near our house,” he said.

“that’s funny because i can promise the second Luke sees me, he’s going to invite me over”

“Like hell he is” he said laughing like there was no way that would ever happen.

“I don’t care if you guys play hockey, i’m going to go after you just because of fame or money. And Just so you know, I already know luke. I met him in September when he started at Michigan since I'm friends with Blanks. He's a good kid, i would help tutor him with calculus, i think of him as a little brother, same with the other younger guys. I even met your mom for fuck sakes and she was nicer than you are right now” i said,

I could see a look of regret on his face. He sighed.

“Look i’m sorry okay, a lot of people try to get along just because of who I am , same with my brothers. Can we start over?” He asked.

He looked sincere, and I nodded, i know my brother will most likely hang out with them a lot this summer, so we should probably get along.

“I’d like that” i said

He smiled

“I’m quinn hughes, it’s nice to meet you” he said

“I’m Y/n Y/L/N, it’s nice to meet you too” i said.

We ended up getting to know each other for the rest of the flight. I told him about what I studied at university and what I do, along with a few funny stories about Luke and some of the other freshmen. He told me about hockey and his family. It was nice actually talking to him, and I really hope we can be friends since we are neighbors in Vancouver and now in Michigan.

Michigan

When our flight landed we made our way out, and went to baggage claim.

I texted my brother to let him know, he said he was waiting with Jack and Luke since both Quinn and I were on the same flight.

“Looks like my brother is waiting with yours” I told Quinn as we started looking for them.

“I see Jack, come on,” he said. I followed him to our brothers

When my brother saw me, he pulled me in a hug, making me laugh.

“I miss you too Y/B/N” i said

“Y/N” Luke said when he saw me and pulled me in a hug.

“Hey Luke” I chuckle.

“You guys already know each other?” Jack asked, confused.

Luke let go of me and looked at jack.

“Yeah, she’s friends with blanks, he introduced us in the beginning of the year, she’s also the reason why i passed calculus, thanks for tutoring me by the way” he said

“How did she tutor you if she lives in Vancouver?” Jack asked again, you could tell he was so lost, it was funny.

“I’ve only been living in Vancouver for 2 weeks now, i graduated from university of Michigan after Christmas” I said and he nodded.

“Oh make sense, and you’ve met quinn?”

“Turns out we’re neighbors in Vancouver” quinn answered, i smiled at him.

Our brothers started laughing.

“What are the fucking chances” luke said

“Yeah seriously, now you’re also neighbors here” my brother said

“I know right,” I said.

“Let’s get going” quinn said impatient

“Yeah, yeah let’s get grumpy,” Jack said.

Quinn rolled his eyes at him which made me laugh.

We made our way to the car and Jack drove us to the lake house.

Jack parked in his driveway and we all made our way to the trunk.

My brother took my suitcase before Jack turned to look at us.

“I don’t know what your plans are today, but we are having a bonfire tonight, you two are both welcome to join us” he said smiling.

“Thanks jack, that sounds fun” i said

My brother nodded.

“Yeah man we’ll be there” my brother said

“Great, then we’ll see you guys tonight”

“Blanks and a few other wolverines are here by the way, I won’t tell them, you’ll be able to surprise them” luke told me. I smiled and nodded before my brother and i made our way to our house.

As soon as we got in the house my parents hugged me.

I talked to them about Vancouver and how Quinn was my neighbor there and now here which made them laugh.

Then I went up to my room to unpack. By the time I was done it was 6:30 p.m. so I went to take a shower since I was all sweaty. Once I was done I got dressed in some Black Lululemon gym shorts and my blue Michigan hoodie.

My dad made food on the grill for dinner so I made my way down to eat since it’s already 7:30 and I am starting.

I sat down at the island counter on the chair and my mom gave me a plate.

“Thanks mom,” I said smiling.

“No problem honey” she said, placing a kiss on my cheek.

“When you’re done eating we’ll go next door. Jack said they started the fire even though it’s still light out, and you can bring alcohol if you want or he said they have a lot so we should be good.” My brother told me.

“I think you still have some (favorite alcoholic drink) in the fridge from before you left for Vancouver, bring it with you if you go” my mom said before making her way to the living room with my dad.

I finished eating so I put my plate in the dishwasher and looked in the fridge for the drinks my mom was talking about and there were still 6 of them so I put them in a bag. My brother and I made our way next door.

I saw Blanks was standing with his back to me talking with Luke. Luke saw me but I told him not to say anything. I gave my bag to my brother and ran up and jumped on his back.

“What the hell!” blanks screeched.

I laughed.

“Surprise!” I said before getting down.

“Yn?” He was surprised to see me. I nodded before he gave me a hug.

“I live next door '' I said happily, a big smile made its way on his face.

“This is about to be the best summer ever” he replied, making me laugh.

“Want to know what funny blanks she’s our neighbor here, and she’s quinn’s neighbor in Vancouver” Luke told him and i rolled my eyes, with a smile.

Nick let out a gasp.

“For real? Oh that’s awesome, like seriously what are the chances” he said

“I know right, also Luke, are you going to tell everyone?” I ask, chuckling.

Luke nodded, smiling.

“Everyone has to know” he said, like it’s the most obvious thing ever. He walked away leaving me alone with blanks.

“So, how is it like living next to Quinn?” He asked, smirking.

I rolled my eyes.

“Oh shut up” I replied, he laughed.

“No but seriously, how is it?”

“Fine i guess, he’s pretty quiet, but he kinda hated me until we got on the flight and sat next to each other, he thought i was some crazy fan” i said and nick burst out laughing i didn’t even know if he could breathe.

“What’s so funny?”

“Let me guess, you were nice and always tried to make conversation with him?”

“Yeah…” I said and he shocked his head.

“That’s what a hockey player with think most of the time when a beautiful girl tries to talk to him and especially if you see him everywhere and end up on the same plane as him, he’s gonna think you’re following him, it’s just an instinct” nick said

“Yeah i know, but i really didn’t recognize him until after my brother told me about them buying the house next door to me and then accusing me of wanting something from him, then i saw the resemblance to Luke, so i kinda creeped him out a bit about telling him i knew exactly where he was going “ i said and nick chuckled.

“Of course you did… Quinn is a good guy though so i don’t doubt you guys won’t become friends… or maybe even more than friends” he said smirking.

I pushed him back.

“Oh shut up, let’s go see everyone else” I said, laughing.

We made our way to everyone else. Blanks introduced me to the guys. They all sound really nice.

We sat around the fire and drank, the guys were sharing funny stories. Nick told the story about how Quinn and I met. I put my hands on my face to hide the embarrassment. The guys laughed

“Seriously Quinn?” Luke asked

“Look sorry but you never told me about her” Quinn replied.

We continued talking and sharing stories for the rest of the night. Some of the guys had already made their way inside to go to bed since it was late. My brother had gone back home, now it was only Quinn, blanks and i.

“I’m going to head up to bed before I pass out here” Blanks told us, making me chuckle.

“Good night blanks,” I said.

“Good night you two,” he said, smirking. I’ve known him for 4 years, he’s totally up to something.

“I should probably head to bed too, I don't want to be too tired tomorrow” I said, yawning.

Quinn turned to me and smiled.

“What?” I ask giggling.

“If I ask you on a date, would you say yes?” He asked, making me smile.

“I would,” I said blushing.

“Well, yn would you like to go on a date with me tomorrow night?”

“ i would love to” i said smiling

“Perfect, I'll pick you up at 6:30 p.m.” he said and I smiled.

We said goodbyes and I made my way home.

Once I got into bed, I fell asleep with the biggest smile on my face.

September 2022

Going on that date with Quinn was the best decision I could have made. It went really well that we went on 3 more dates until he finally asked me to be his girlfriend.

We spent as much time as we could together this summer. When the guys found out we were dating they laughed since Luke had told everyone what happened when Quinn and I first met.

We have been in Vancouver for a little bit now, Quinn came back in August for training camp, i got back last week. I know how hockey season can be, but I also know Quinn and I will make it work. We’ll be seeing each other a lot since we are neighbors.

Quinn had practice this morning but he told me last night that he would come by after lunch.

He’s been stressed lately, he hopes he can have a better season than last year, i don’t blame him.

It’s now 12 p.m. when I heard the door open.

“Babe, I'm here and I brought food,” I heard quinn.

“I’m in the kitchen,” I replied.

He made his way around the corner and smiled when he saw me.

“Hey beautiful” he said, making me blush.

He chuckled, he put the food on the counter and came over to me and kissed me. When we pulled away our forehead touched each other. I looked at his eyes to see he was doing the same.

“I love you” I said happily.

“I love you more” he replied before leaning in and kissing me again.

Being with him, nothing could make me happier.

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allthecanadianpolitics · 8 months ago

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A report from Statistics Canada released last month found that as of the 2021 reference year — the latest available from the Canadian Housing Statistics Program — around one in six properties owned by buyers born in the 1990s were actually co-owned with their parents. Since this was the first Statistics Canada release on this topic, it's not known how this rate of co-ownership compares to earlier times, a spokesperson said. However, the report also cited CIBC data from 2021 that found almost 30 per cent of first-time home buyers that year received financial help from family, compared to 20 per cent in 2015. An earlier StatsCan report also found that, as of 2021, adult children ages 22 to 31 were twice as likely to become homeowners themselves if their parents own property.

Tagging: @newsfromstolenland

#cdnpoli #canadian politics #canadian news #housing #canada #canadian #infrastructure #cost of living

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maximumdreamersublime · 12 days ago

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First Lending: Simplifying Car Loans Across Canada

In Canada, a car is often more than just a mode of transportation—it's a necessity. Whether for commuting, running errands, or going on family vacations, owning a vehicle is essential for most Canadians. However, not everyone can afford to buy a car upfront, and for many, obtaining a car loan is the best option. This is where First Lending comes in.

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First Lending is a platform that connects consumers with a trusted network of lenders and financial partners across Canada. While it does not directly provide loans or financial services, it acts as a bridge between borrowers and a variety of lending institutions. The platform simplifies the car loan process by helping consumers find the best financing options tailored to their needs. Through First Lending, Canadians can access a wide range of car loan products, from traditional auto loans to more specialized options, ensuring that everyone, regardless of their financial background, has access to the financing they need to purchase a vehicle.

Whether you’re a first-time car buyer or looking to upgrade your current ride, First Lending makes it easy to navigate the often-complex world of car loans. By working with a trusted network of financial partners, First Lending ensures that you are matched with lenders who offer competitive rates, flexible terms, and a smooth application process.

How Does First Lending Work for Car Loans?

Obtaining a car loan traditionally involves a lot of paperwork, a lengthy approval process, and sometimes, the need to visit multiple lenders to find the right deal. First Lending seeks to eliminate this complexity by streamlining the entire process. Here's how it works:

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Finalize Your Loan Application: Once you’ve selected the best loan option for your needs, you can proceed to complete the application directly with the lender through their respective website or in-person. First Lending simplifies this step by connecting you with lenders that are already familiar with your needs, accelerating the approval process. Depending on the lender, some car loan applications may even be approved on the same day.

Why Choose First Lending for Your Car Loan?

There are numerous benefits to using First Lending for your car loan needs, many of which focus on making the car loan process easier, faster, and more affordable. Here are some of the key advantages:

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Simplified Application Process One of the main pain points for many car buyers is the complicated and time-consuming loan application process. First Lending reduces this burden by offering an easy-to-use online platform that simplifies the entire application process. By filling out a single form, you can access multiple car loan offers, saving you time and effort.

Flexible Loan Terms First Lending works with a diverse range of lenders who offer car loans with flexible terms. This means that regardless of whether you're looking for a short-term loan with lower monthly payments or a longer-term loan with more manageable interest rates, you can find an option that works for you.

Transparency and No Hidden Fees First Lending places a strong emphasis on transparency. The platform provides detailed information about loan terms, interest rates, and fees upfront, ensuring that you can make an informed decision without worrying about hidden costs. This transparency is key to helping borrowers avoid unexpected fees and better manage their car loan.

Competitive Rates Through First Lending, consumers have access to some of the most competitive rates on the market. Because First Lending connects borrowers with multiple lenders, you have the ability to shop around for the best interest rates and loan terms. Whether you have excellent credit or have faced financial challenges in the past, you can compare offers and choose the one that offers the best value for your money.

Speedy Approval and Funding One of the most appealing aspects of using First Lending for car loans is the speed at which the process moves. Many lenders within the First Lending network offer quick approvals, with some even processing loans within a few hours. This is a huge advantage for individuals who need a vehicle urgently or those who are on tight timelines to secure financing before purchasing a car.

Personalized Loan Offers First Lending’s platform uses the information provided in the initial application to match borrowers with the best car loan offers for their specific financial situation. Whether you're a first-time car buyer, looking to refinance your existing auto loan, or interested in an electric vehicle loan, the platform ensures that you are matched with lenders who can meet your individual needs.

Available Across Canada Whether you're in a major city like Toronto or Vancouver or living in a more remote area, First Lending serves consumers nationwide. This means that regardless of where you live in Canada, you can benefit from the platform’s extensive network of lenders and find the right car loan for your situation.

What Are the Eligibility Criteria for Car Loans through First Lending?

While First Lending simplifies the car loan process, it’s important to note that like any loan, eligibility criteria will vary depending on the lender you are matched with. However, typical criteria may include:

Age: Applicants must be at least 18 years old (19 in some provinces).

Income: Lenders will often require proof of a stable source of income to ensure that you can afford the loan payments.

Credit History: A good credit score can improve your chances of getting approved and securing lower interest rates. However, First Lending also works with lenders who specialize in bad credit car loans.

Residency: You must be a Canadian citizen or permanent resident to apply for a car loan through First Lending.

Conclusion: Making Car Loans Easy with First Lending

For Canadians looking to buy a car, First Lending offers a valuable service that simplifies the entire car loan process. By acting as a connection point between borrowers and a network of trusted financial partners, First Lending ensures that consumers can access competitive loan rates, flexible terms, and fast approval.

Whether you're buying your first car or refinancing an existing loan, First Lending takes the hassle out of finding the best car loan. By simplifying the application process, offering transparency, and providing personalized loan options, First Lending makes it easier than ever for Canadians to drive away in their dream car.

#car show #carloans #suv

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alexesguerra · 3 months ago

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Queer Tarot: An Inclusive Deck and Guidebook [With Book(s)] The Queer Tarot: An Inclusive Deck and Guidebook Other – April 19, 2022 by Ashley Molesso (Author), Chess Needham (Author) ---Brand New-- A vibrant, deluxe illustrated tarot deck and guidebook set, centering and celebrating LGBTQ+ identity, created by queer and trans artist team Ash + Chess. AN INCLUSIVE, AFFIRMING DECK: Queer Tarot is a bright, bold interpretation of the tarot that offers inspiration, affirmation, and LGBTQ+ representation. Created by queer and trans artists Ashley Molesso and Chess Needham of Ash + Chess, this reimagining of the classic figures in the Major and Minor Arcana showcases a wide range of gender expressions and sexual orientations, and incorporates queer history and iconography throughout. DELUXE SET: This set includes 78 full-color illustrated tarot cards (3 X 5 inches), shrink wrapped in an interior travel case; a 168-page, full-color illustrated flexibind book (4 3/4 X 6 inches); and a keepsake magnetic closure box with metallic foil accents. Cards and travel case are embedded in an interior flocked tray. FULLY ILLUSTRATED TAROT GUIDEBOOK: The flexibind guidebook provides an illustrated introduction to the tarot, with LGBTQ+ descriptions and suggested interpretations for each card, as well as instructions for sample readings and a brief history of tarot. VIBRANT FULL-COLOR ART FROM ASH + CHESS: Queer Tarot features Ash + Chess's signature colorful, risograph-style illustrations, including retro color palettes and bold, detailed figures. ALL CARDS BASED ON REAL, DIVERSE MODELS: Each card in Queer Tarot is based on real LGBTQ+ folx commissioned for this project by Ash + Chess. The deck celebrates a full range of races, ethnicities, gender identities, sexual orientations, sizes, and abilities. A PERFECT GIFT: This joyful, inclusive, and beautiful tarot deck set is an ideal gift for tarot novices, seasoned readers, queer folx of all ages, and their allies. A note on packaging: In order to help honor our planet and reduce waste, we have only shrink wrapped the interior tarot cards, rather than the keepsake box. Please feel confident that your product is not defective or used, but rather represents a step we are taking to protect our collective home. When you open your deck, you will find that the actual cards inside the box are shrink wrapped for protection and to ensure first use by the buyer. About the Author Ash + Chess is a cute stationery company run by queer and trans couple Ashley Molesso (she/her) and Chess Needham (he/him), based out of Richmond, VA. They create greeting cards and art prints that are bold, retro color palettes and they often use their artwork to make a political statement and to uplift the queer community. Their company made its debut at the National Stationery Show in May 2017, and since then over 600+ retailers throughout the United States, Canada, Europe, and Asia sell their art and stationery. In the short time they've been in business, Ash + Chess have worked on many collaborations including artwork for Nooworks, a clothing company based out of San Francisco, CA; Belletrist, a book club run by actress Emma Roberts and Karah Preiss; exclusive designs and patterns for Plaza Style, a Japanese retail brand; packaging design for Brooklyn Roasting Co.; Transfigure Print Co., book illustrations for HarperCollins and Workman Publishing; and t-shirt designs for The Style Club x Forever 21. They are the authors of their own illustrated book about LGBTQIA+ history, The Gay Agenda: A Modern Queer History & Handbook, and Queer Tarot: An Inclusive Deck and Guidebook. Publisher ‏ : ‎ RP Studio (April 19, 2022) Language ‏ : ‎ English Misc. Supplies ‏ : ‎ 176 pages ISBN-10 ‏ : ‎ 0762474882 ISBN-13 ‏ : ‎ 9780762474882 Item Weight ‏ : ‎ 1.63 pounds Dimensions ‏ : ‎ 5.4 x 2.5 x 6.65 inches

#Ashley Molesso #Chess Needham #Queer Tarot

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mandsleanan · 1 year ago

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Sorry, parents: The American dream is only for DINKS

Homebuyers with kids will likely spend 66% of their income on a mortgage and childcare this year.

Parents in Los Angeles and San Diego can expect to spend as much as 121% and 113%, respectively.

Some Californians have moved across the country to afford to buy a home.

Thinking about buying a home this year with kids already in the picture? Get ready to dig deep.

A recent study from Zillow found that potential homebuyers with children are likely to spend 66% of their income on mortgage payments and childcare expenses — an increase of nearly 50% from 2019.

The real-estate company estimated city- and state-level childcare costs from 2009 to 2022 for the typical American family with 1.94 children by analyzing data from the Women’s Bureau of the US Department of Labor and advocacy group Child Care Aware.

According to Zillow’s analysis, in 31 of the largest 50 US metropolitan areas with available childcare cost data, families looking to buy a home can expect to spend more than 60% of their income on mortgage and childcare costs.

Some areas are even costlier, with parents in cities like Los Angeles and San Diego needing to dedicate as much as 121% and 113%, respectively. (In those areas, the cost of buying a typical home and childcare is so big relative to the median income that Zillow's calculation results in figures over 100%.)

Zillow determined that a family earning a median household income of $6,640 per month can expect to allocate $1,984 of that to childcare. If the family purchased a house at a 6.61% interest rate — the rate in early January, when the US Department of Labor released its latest data on childcare costs — and made a 10% down payment, their monthly mortgage would amount to $1,973.

That leaves just $2,683 for additional expenses like food, transportation, and healthcare. This means many households with kids are financially strained; they're likely spending more than 30% of their income on housing, well above what experts recommend.

It all adds up to a costly reality that's making the American dream of homeownership seem farther out of reach for parents than ever before.

Parents can blame a yearslong battle with inflation, as well as stubbornly high home prices and mortgage rates, for contributing to their predicament.

Based on the study, a new buyer household in the United States, making the median income, would spend 30% of it on housing. It's paying for childcare, then, that adds so much on top of the housing budget.

The upshot: Another group, less encumbered financially, appears better poised to realize the dream of homeownership: "DINKS," an acronym that stands for "dual income, no kids."

Some child-free DINKS — who boast a median net worth above $200,000 according to the Federal Reserve's Survey of Consumer Finances — devote their disposable income to luxuries like boats and expensive cars.

Without the financial obligations of raising children, such as covering medical expenses or enrolling them in daycare or private school, DINKS can save thousands of dollars a year and build greater long-term wealth.

Some DINKS use their savings to finance vacations and travel the world, like Elizabeth Johnson and her husband, who, over the past couple of years, have hiked in the Swiss Alps, snorkeled in Hawaii, and enjoyed leaf peeping in Canada.

"We hang out with other people's kids every once in a while," Johnson previously told Business Insider's Bartie Scott and Juliana Kaplan, "but then we happily just give them back to their parents."

Some Americans with kids move to places where their money goes further

One solution to the high cost of both buying a home and raising a family?

Move.

In recent years, young Americans in higher-cost states have decided to move to places that offer them a cheaper cost of living.

Janelle Crossan moved to New Braunfels, Texas, from Costa Mesa, California, in 2020 following a divorce.

She was able to become a first-time homebuyer and found a safe community to raise her son.

"I paid $1,750 for rent in a crappy little apartment in California," Crossan told BI earlier this year. "Now, three years later, my whole payment, including mortgage and property taxes, is $1,800 a month for my three-bedroom house."

Pengyu Cheng, a program manager for a tech company, told BI in 2023 that moving from California to Texas allowed him and his wife to afford their first home, giving them the confidence and security to have their first child.

"Living in California has always been expensive," Cheng said. "I knew that when my wife and I eventually expanded our family, we wouldn't be able to afford San Francisco or the Bay Area in general — even though we both earn good salaries."

#Childfree #DINK Life #Homebuying #Formatting's wacky on this one

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laresearchette · 11 months ago

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Monday, April 01, 2024 Canadian TV Listings (Times Eastern)

WHERE CAN I FIND THOSE PREMIERES?: VANDERPUMP VILLA (Disney + Star) THE SYNANON FIX (HBO Canada) 9:00pm

WHAT IS NOT PREMIERING IN CANADA TONIGHT?: 2024 iHeartRadio MUSIC AWARDS (FOX Feed) LOVERS AND LIARS (CW Feed) ALL AMERICAN (Premiering on April 08 on Showcase at 8:00pm)

NEW TO AMAZON PRIME CANADA/CBC GEM/CRAVE TV/DISNEY + STAR/NETFLIX CANADA:

AMAZON PRIME CANADA ALLAN QUATERMAIN & THE LOST CITY OF GOLD AT CLOSE RANGE BLAME IT ON RIO BLOODSPORT BREATHLESS BULLETPROOF MONK CASINO CLASS DARK BLUE DARK ANGEL DR. SEUSS’ THE CAT IN THE HAT EYE OF THE NEEDLE FLAWLESS FLESH+BLOOD HARLEY DAVIDSON AND THE MARLBORO MAN KOYAANISQATSI THE LAST WALTZ LOL: CHI RIDE E FUORI (Season 4) MOBY DICK NOT WITHOUT MY DAUGHTER THE PARTY ROLLING THUNDER TOP GEAR (Seasons 14-25) THE TRAIN VALLEY GIRL VAMPIRE’S KISS WARCRAFT WHITE NIGHT

CBC GEM DYLAN’S PLAYTIME ADVENTURES

CRAVE TV LITTLE JESUS THE SYNANON FIX (Season 1, Episode 1)

DISNEY + STAR VANDERPUMP VILLA (Three-Episode Premiere)

NETFLIX CANADA THE MAGIC PRANK SHOW WITH JUSTIN WILLMAN

CURLING (TSN/TSN5) 8:00am: LGT World Men's Curling Championship: Canada vs. Italy

NHL HOCKEY (SN) 7:00pm: Panthers vs. Leafs (SN Now) 9:00pm: Oilers vs. Blues (TSN3) 9:00pm: Kings vs. Jets

MLB BASEBALL (SN1) 8:00pm: Jays vs. Pirates (SN Now) 10:00pm: Giants vs. Dodgers

NBA BASKETBALL (SN Now) 8:00pm: Suns vs. Pelicans

MURDOCH MYSTERIES (CBC) 8:00pm: After a man dies in a drunken brawl at the Starbright Lounge, Murdoch's suspect is another detective.

WARDENS OF THE NORTH (Discovery Canada) 8:00pm (SERIES PREMIERE): Conservation officers crack down on boaters not complying with the law; a routine fishing patrol has officers tracking down over-the-limit anglers; a kayaker is reminded that lifejackets work best when worn, even when close to home.

SOCIAL MEDIA MURDERS (T&E) 8:00pm (SERIES PREMIERE): Alex Rodda, a 15-year-old teenager, is murdered by 18-year-old Matthew Mason in December 2019, six weeks after they first exchange messages via social media.

SECRETS IN THE ICE (Super Chanel Fuse) 8:00pm (SEASON PREMIERE): A grim discovery in a Swedish lake reveals ancient practices; in the Canadian Arctic, the fossil of a previously unknown mammal is found; bizarre ice formations in the Antarctic Ocean; a discovery off the east coast of Canada.

BELGRAVIA: THE NEXT CHAPTER (CBC) 9:00pm (SEASON FINALE): As Frederick grieves the loss of Clara, Enright receives a letter that pushes Frederick to confront his past; Clara and Davison adapt to life in the North, as Clara grapples with happy memories of home.

OUTBACK OPAL HUNTERS (Discovery Canada) 9:00pm (SEASON PREMIERE): The Bushmen bring in an explosives expert to blast through the toughest rock in Grawin; plus, a brand-new team brings cutting edge technology to the opal fields.

SPOOKED IRELAND (DTour) 9:00pm (SERIES PREMIERE): The team ventures to Charleville Castle, where they face a multitude of spirits who seem to have turned against the castle's current occupants by trapping them in cupboards and keeping them up at night with screams and singing.

EXPEDITION X (Discovery Canada) 10:00pm (SEASON PREMIERE): Phil and Jess explore the world's most haunted forest near the site of the Dracula legend and where Josh Gates had his most terrifying experience; during a night investigation, Jess finds herself being watched by someone or something sinister.

THE PLAYBOY MURDERS (Investigation Discovery) 10:00pm (SEASON PREMIERE): In the late '90s, Playboy twins Sandy and Mandy Bentley's fame soars until an affair with a Vegas High Roller leads to a fall from fame, stolen jewels, a shadowy buyer and a brutal double murder in the Hollywood hills.

MASTERCHEF AUSTRALIA (CTV Life) 10:00pm (SEASON PREMIERE): A group of 12 home cooks will compete with 12 former contestants.

MURDER AT MY DOOR WITH KYM MARSH (documentary) 10:00pm/11:00pm (SERIES PREMIERE): The story of 17-year-old Thomas Griffiths, who killed his girlfriend and arranged the crime scene to look like a suicide after she broke up with him. In Episode Two, 19-year-old Mundill Mahil lures a young TV executive to his death in an act of revenge following an attempted rape six months earlier.

#cdntv #cancon #canadian tv #canadian tv listings #murdoch mysteries #belgravia: the next chapter #outback opal hunters #curling #nhl hockey #mlb baseball #nba basketball

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teamhilson · 4 days ago

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Milton, Ontario Real Estate Agent – Your Trusted Partner in Finding the Perfect Home

Milton, Ontario, is one of the fastest-growing communities in Canada, attracting homebuyers and investors looking for a perfect blend of suburban charm and urban convenience. Whether you are buying, selling, or investing, working with a professional real estate agent in Milton is essential for a seamless and successful experience. At Team Hilson, we take pride in helping our clients navigate the competitive Milton real estate market with expert guidance and personalized service.

Why Choose Milton, Ontario for Your Next Home?

Milton has become a sought-after location due to its family-friendly environment, excellent schools, and easy access to major highways like the 401 and 407. Here are some reasons why Milton is an ideal place to buy real estate:

Thriving Real Estate Market – The property market in Milton is experiencing steady growth, making it an excellent investment for homeowners and investors.

Top-Rated Schools – Milton offers some of the best educational institutions, making it a great place for families.

Green Spaces & Recreation – The town boasts beautiful parks, trails, and conservation areas like Rattlesnake Point and Kelso Conservation Area.

Proximity to Toronto – Located just 40 minutes from downtown Toronto, Milton offers easy access to the city while maintaining a quieter suburban feel.

Diverse Community – With a welcoming and diverse population, Milton is a great place to call home.

Why You Need a Professional Real Estate Agent in Milton

Navigating the real estate market can be overwhelming, but an experienced Milton real estate agent can make the process much easier. Here’s why hiring Team Hilson can help you achieve your real estate goals:

Local Market Expertise

We have an in-depth understanding of Milton’s real estate trends, helping you buy or sell at the right price. Our knowledge of the best neighborhoods, upcoming developments, and market conditions gives our clients a competitive advantage.

Personalized Home Search

Every buyer has unique needs, whether it's a spacious family home, a modern condo, or an investment property. We take the time to understand your preferences and find properties that match your criteria.

Effective Negotiation

Buying or selling a home involves negotiation. Our expertise in handling real estate transactions ensures you get the best deal possible, whether you're looking for a great purchase price or maximum value for your property.

Seamless Selling Process

If you're selling your property in Milton, we use top-tier marketing strategies, professional photography, virtual tours, and online listings to attract potential buyers. Our goal is to sell your home quickly and at the best price.

Guidance from Start to Finish

Real estate transactions involve paperwork, legal requirements, and financial considerations. Our team assists you at every step, ensuring a stress-free experience.

Find Your Dream Home with Team Hilson

At Team Hilson, we are dedicated to helping you find the perfect real estate agent in Milton. Whether you’re a first-time buyer, an investor, or looking to sell, we are here to make the process smooth and rewarding.

#Real estate agent in Milton

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openaccessltd · 5 days ago

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How Open Access Ensures Compliance & Transparency in Group Retirement Savings Plans

Ensuring compliance and transparency in Group Retirement Savings Plan Canada is essential for fostering trust among employers and employees. As a leading Canadian Retirement Plan Provider, Open Access specializes in delivering structured, compliant, and transparent retirement solutions tailored to corporate needs. By working directly with employers, Open Access ensures that group retirement plans align with financial goals while maintaining regulatory adherence.

Regulatory Compliance in Retirement Plans

Compliance with financial regulations is critical in retirement savings plans. Open Access follows strict guidelines set by regulatory bodies in Canada to ensure that Group Retirement Savings Plan Canada offerings meet legal and fiduciary standards. Employers set contribution amounts, while Open Access provides flexible plan structures that adhere to compliance requirements.

By offering plans such as Defined Contribution Pension Plans (DCPPs), Deferred Profit Sharing Plans (DPSPs), and Group Retirement Savings Plan Canada, Open Access ensures that all contributions and distributions comply with Canadian pension regulations. Each plan is audited and managed with transparency, ensuring that employees and employers are well-informed about their investment strategies.

Transparent Investment Management

Transparency in investment management is a cornerstone of Open Access retirement plans. The company provides professional investment management, ensuring that all funds are allocated to meet long-term retirement objectives. Employees can track their investments and understand how their savings grow over time.

Open Access offers a variety of investment options, allowing employers and employees to select the most suitable strategies. Their Defined Benefit Pension Plan (DBPP) guarantees predictable retirement income, while the Group Retirement Savings Plan Canada provides employees with the flexibility to withdraw tax-free under the Home Buyers’ Plan and Lifelong Learning Plan.

Financial Education and Support

A crucial component of retirement planning is financial literacy. As a Canadian Retirement Plan Provider, Open Access offers personalized services and financial education programs to help employees make informed decisions about their retirement savings. This includes guidance on tax benefits, withdrawal options, and contribution strategies.

Employees enrolled in Group Retirement Savings Plan Canada receive regular updates and insights into market trends, helping them optimize their savings. By maintaining an open line of communication with employers and employees, Open Access ensures that everyone involved understands their retirement benefits and investment performance.

With a commitment to compliance, transparency, and financial education, Open Access stands out as a trusted Canadian Retirement Plan Provider. By tailoring plans to meet employer and employee needs, they enhance financial security and help Canadians achieve their long-term retirement goals. Their structured, flexible, and well-managed retirement solutions make them a preferred choice for companies across Canada.

Conclusion

For medium-sized businesses looking for a reliable partner to support their employees' financial wellness, Open Access offers comprehensive Group RRSP solutions. By prioritizing expert management, personalized service, competitive pricing, and a members-first approach, Open Access stands out as a leader in the industry. Their commitment to transparency and security ensures that employees can confidently prepare for a secure and comfortable retirement.

For more detailed guidance and resources on setting up a Group Retirement Plan, visit Open Access Ltd. visit their website at https://openaccessltd.com/ or reach out to them at [email protected]. Your path to business success begins with the right partner, and Open Access is here to guide you every step of the way.

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iambittythings · 10 months ago

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A very loved piece I was happy to see find a good home, this was the first hippocampus I'd done in a very long time. They're a childhood favourite that I'd loved since learning of them when I was small. What if pony, but also, a *mermaid*? Well little me, here's all that and a unicorn too. :)

If you'd like a beast, magical childhood fav or backyard basic, please check out Bittythings and Beasts. You can find me in person next at Anime North in Toronto.

#hippocampus #unicorn #pony #horses #mythology #kawaii #polymer clay #furnal equinox 2024 #minty #my art #miniatures

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unitedcityyachts · 10 days ago

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What are the best marinas for buying boats in BC?

Introduction

British Columbia (BC) is a boater's paradise, offering stunning coastlines, vast inland waterways, and world-class marinas. Whether you're looking for a fishing boat, yacht, or a luxury cruiser, BC is home to some of the best marinas that provide high-quality boats for purchase. With an abundance of marine dealerships and expert brokers, finding the perfect vessel is easier than ever.

In this comprehensive guide, we'll explore the top marinas in bc boats for sale, including their key features, services, and locations. Whether you're a seasoned boater or a first-time buyer, these marinas will provide you with an exceptional selection of boats and top-notch customer service.

1. Granville Island Marina (Vancouver, BC) 🏙️🚢

Overview:

Granville Island Marina is one of Vancouver’s premier boating destinations. Located in False Creek, this marina offers an excellent selection of boats for sale, including luxury yachts, sailboats, and powerboats.

Why Buy a Boat Here?

✔️ Central location in Vancouver ✔️ Access to top boat dealerships and brokers ✔️ Excellent moorage services ✔️ On-site yacht maintenance and repair facilities

Nearby Dealers & Brokers:

Yacht Sales West

Fraser Yacht Sales

Blackfish Marine

2. Mosquito Creek Marina (North Vancouver, BC) ⛵🌊

Overview:

Mosquito Creek Marina is a top-notch marina offering easy access to Vancouver’s waters. It provides one of the largest selections of pre-owned and new boats from reputable dealers.

Why Buy a Boat Here?

✔️ Large variety of boats from different manufacturers ✔️ Ideal location for sea trials ✔️ Home to the Vancouver International Boat Show

Nearby Dealers & Brokers:

Freedom Marine

Vancouver Yacht Sales

3. Shelter Island Marina & Boatyard (Richmond, BC) ⚓🚤

Overview:

Shelter Island Marina is one of the best-equipped marinas for boat buyers in BC. Located in Richmond, it offers a full-service boatyard, making it a top choice for both new and used boat purchases.

Why Buy a Boat Here?

✔️ 300+ moorage slips ✔️ Largest marine haul-out facility in Western Canada ✔️ Variety of boats from affordable to luxury options ✔️ Full-service boat maintenance and detailing

Nearby Dealers & Brokers:

Grand Yachts Inc.

Martin Marine

4. Coal Harbour Marina (Vancouver, BC) 🏝️⛴️

Overview:

Coal Harbour Marina is the largest privately owned marina in Vancouver, offering premium yacht sales and brokerage services.

Why Buy a Boat Here?

✔️ Stunning downtown Vancouver location ✔️ Premium yacht selection ✔️ Full-service yacht brokerage and financing assistance

Nearby Dealers & Brokers:

M&P Yacht Centre

Ocean Pacific Yachts

5. Canoe Cove Marina (Sidney, BC) 🌊🛶

Overview:

Located on Vancouver Island, Canoe Cove Marina is well-known for its excellent boat selection, service, and customer-friendly atmosphere.

Why Buy a Boat Here?

✔️ Affordable moorage and boat services ✔️ Conveniently located near BC Ferries and Victoria International Airport ✔️ Ideal for both new and experienced boaters

Nearby Dealers & Brokers:

Van Isle Marina Yacht Sales

Blackfish Marine

6. Port Sidney Marina (Sidney, BC) 🌅🛥️

Overview:

Port Sidney Marina is one of the best locations in BC for purchasing a yacht. It offers a mix of new and used vessels for sale through its network of brokers and dealers.

Why Buy a Boat Here?

✔️ Large inventory of luxury yachts and sailboats ✔️ Close to the Gulf Islands and Salish Sea ✔️ Comprehensive yacht maintenance and concierge services

Nearby Dealers & Brokers:

Custom Yachts

Pacific Boat Brokers

7. Ladysmith Marina (Ladysmith, BC) ⛵🌊

Overview:

Ladysmith Marina offers a peaceful setting for boat buyers looking for high-quality vessels at competitive prices.

Why Buy a Boat Here?

✔️ Excellent pricing on pre-owned boats ✔️ Close to prime cruising destinations ✔️ Friendly and knowledgeable boat brokers

Nearby Dealers & Brokers:

Nanaimo Yacht Charters & Sailing School

8. False Creek Fuels & Marina (Vancouver, BC) 🌆🚢

Overview:

False Creek Fuels & Marina is not only a refueling station but also a great place to find quality boats for sale.

Why Buy a Boat Here?

✔️ Convenient downtown location ✔️ Affordable pricing on pre-owned boats ✔️ Access to major boat dealerships

Nearby Dealers & Brokers:

Yacht Sales West

Fraser Yacht Sales

9. North Saanich Marina (North Saanich, BC) 🌊⚓

Overview:

North Saanich Marina is known for its well-maintained boats and friendly customer service.

Why Buy a Boat Here?

✔️ Access to an extensive selection of used boats ✔️ Located near the best sailing waters in BC ✔️ Secure, full-service marina

Nearby Dealers & Brokers:

Philbrook’s Boatyard

Van Isle Marina

10. Victoria International Marina (Victoria, BC) 🏖️🚢

Overview:

Victoria International Marina is a world-class facility that specializes in luxury yacht sales.

Why Buy a Boat Here?

✔️ High-end yacht selection ✔️ Full-service marina with on-site concierge ✔️ Located in the heart of Victoria

Nearby Dealers & Brokers:

Fraser Yachts

Blackfish Marine

Conclusion

British Columbia offers a diverse range of marinas that cater to every type of boat buyer. Whether you're looking for a small fishing boat, a family-friendly cruiser, or a luxury yacht, these marinas provide top-quality vessels, expert guidance, and world-class service. From Vancouver to Victoria, the perfect boat for your needs is waiting for you at one of these top marinas.

FAQs About Buying Boats in BC 🚤❓

1. What is the best time of year to buy a boat in BC?

The best time to buy a boat in BC is typically during the fall and winter months when demand is lower, and sellers are more willing to negotiate prices.

2. Do I need a license to operate a boat in BC?

Yes, you need a Pleasure Craft Operator Card (PCOC) to operate most motorized boats in Canada, including BC.

3. Can I get financing for a boat purchase in BC?

Yes, many marinas and boat dealers in BC offer financing options for both new and used boats.

4. How do I register my boat in BC?

To register your boat, you need to apply through Transport Canada’s vessel registration system.

5. Are there taxes when buying a boat in BC?

Yes, boats purchased in BC are subject to the Provincial Sales Tax (PST) and, in some cases, the Goods and Services Tax (GST).

6. What should I check before buying a used boat?

When buying a used boat, check for engine performance, hull condition, maintenance records, and any hidden damages.

#bc boats for sale

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