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yamithediaperdork · 4 years ago

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Moving day (Harry potter)

They say that any move can be stressful and the adjustment period of living with new roommates can be hard for the first few days, even if your new roomies happen to be your older twin brothers. And not making things any easier though they of course love and support you, is that your boyfriend is coming with you for the move, and as such you had to tell them about the special arrangement. Still stories over the phone apparently didn't fully paint a picture and now Ron and Draco are waiting for the twins to stop staring and let them in. The twins themselves were wearing matching white t-shirts and blue jeans. Ron was in a loose and long sleeved black shirt and black cargo pants, and Draco took the cake. what with the pure blood ex bully being in green cover all's (with crotch snaps!) and a black t-shirt it looked like under the cover-all's. and by how swollen and BIG Draco's crotch and rear looked, the boy was easily rocking 3 nappies. "Interesting..fashion choice." George said finally. "Inner child and all that." Fred said.

Getting Draco inside Ron got his big baby of a boyfriend sat down in the living room to get to know his unca's better while Ron went and unpacked, not a easy job to do since they were making use of a magic suitcase so there was at least a few hours worth of work needed for Ron to do. If your wondering why Draco wasn't helping with the unpacking well, He was a little guy in more ways then attire and a bored/grumpy Draco trying to be 'helpful' never ended well. He could of had one of the twins help him but with it being their first time watching Draco, he figured 2 on 1 gave them a fighting chance against his bratty baby boy.

"So..Cripes..you really wear nappies huh?" Fred asked,leaning down for a closer look at the bulky seat of Draco's overall's and nappies. Draco, who had been leaning forward to get some of the baby blocks they had for him to play with gave a annoyed look as this was the 5th time Fred had asked that. deciding that those who get that close to his butt with no care about their own safety deserved what they got and scrunched up his face. George realized what was happening and started to cry out a warning. "Fred wait get back from hi-" but at last the cry came too late and indeed only made things worse. Fred's poor mouth had opened, and with the distraction from George, Draco moved his diapered rear backwards, almost in slow motion and finished his long sputtering but muffed fart on his unca's face. With the deed done and Fred on his back and gagging, George glared at Draco. "what cha do that for?" he demanded, folding his arms. "But unca George, I'm just a widdle boy and NEED my diapies, Unca Fred should of realized he was playing with fire.. or gas." Draco said, doing his best 'i'm so cute you can't stay mad at me' faces and voices. and unlike Ron who had seen them all and could resit, This was Georges first and he instantly melted. "well,m just don't let it happen again. Do you want some ice cream?" George asked Draco of course knew he wasn't suppose to have any, ice cream made him a super duper pooper..Butttt He was just a little boy and lessons had to be learned all around. Fred finally got up and like wise was about to throttle Draco but the power of the puppy look and he was de fanged as well and went to go and smash up some cookies to crumble over Draco's ice cream. '..heh..yeah. I could get used to this~' he thought.

Ron had been hard at work for a hour and came out to get a glass of juice from the fridge. he noticed Draco was nuzzled on the crotch with his brother and smiled, he was glad they were getting along and didn't wanna say anything to spoil their fun. chugging his juice down and getting a refill, Ron just happened to look in the sink and froze, seeing three dirty bowls that had clearly had ice cream in them. "Ohhhh No. No no no.." Ron said, a knot forming in his tummy. coming out of the kitchen and hurrying to look out into the living room he heard the first poot and toyed with just running before the smell reached him. cries of disgust and whimpers of pain were heard and it delayed Ron enough that he didn't escape the stink field in time and was welcomed to the truly rotten smell of a lactose intolerant like Malfoy having dairy. Nose hairs burning and eyes watering Ron sighed and headed for ground zero. Fred and George were each half out a window, Fred on the left and George on the right. Draco not surprisingly was squatting down and hunching, fists closeted and gritting his teeth. from the look of focus on his face and the sweat you'd almost swear he was doing a power up from a anime. at least till you noted the massive diaper that had forced the crotch snaps open (and Ron looked and noticed some of the buttons on the floor) Spotting Ron in the door way Draco started to cry out daddy, but it was over taken with a guttural groan as a cramp hit him. the diaper, which was already racing for his knee caps jumped in size and Ron found himself glad he hadn't taken Harry's advice and gone with muggle diapers, they'd of had a blow out by now! "D-Daddy tummy hurt!" Draco whined and whimpered, tears going down his cheeks and holding out his hands as his knees wobbled. technically Ron should of let Draco suffer, to enjoy the spoils of his win at getting ice cream and suffer butttt...that just wasn't the kinda daddy Ron was. conjuring up a clothes pin for his own nose, and a dummy with a large rubber teat that found it's way into Draco's mouth, Ron came over and hugged the stinky boy. He also once he noticed the twins were trying to escape out the windows, shut them on the twins trapping them but not hurting them. well, not hurting them till anther spell had the back of their knickers get yanked up for twin wedgies. "OWWW! Stoppp Ron knock it off!" "we'll get you back for this!" "mmmmhmmm. I'll be back to free you after I change Draco..or I can let you two go now and you can change him." Ron said, smirking. "...You know, after the first 10 seconds this feels kinda nice." Fred said. "Could do this all day." added George. "For the record you two will be changing him at some point." Ron laughed. "Now hold on.." George started. "You never warned us about him being like..THAT every time that he goes!" Fred protested. "Hmm? oh he's not. but you dipsticks let him have dairy when he's lactose intolerant. reap what you sew." "..If he knew he couldn't handle it then why did he have three bowls of it!?!" "because he's a baby duh. he just likes yummy things and doesn't think about later." A whine from behind and Ron smiled at the huffing Draco who with one last watery fart seemed to be done..and oh my. the diaper had gotten SO shit swelled that it looked like something out of a cartoon show, Draco had basically made a bean bag chair of sorts! in fact if he hadn't of just stopped pooping he might of been picked off the ground! "Jesus sweetie, you have any bones left in you?" Ron asked fascinated and semi worried at the same time. (and maybe a little pride, that was his boy who had just made a super big present.)

The only way to move him at this point was a levitation spell and Draco hated it. the damn things always made him queasy to his belly even though he'd been used to moving much faster during a quditch game. Still there was no way to change him in the house without getting the mess everywhere and his new uncles seemed to have a high enough stone way around the back of their large yard. "oh look, they have a garden back here..you can provide all the fertilizer from now on!" Daddy teased and Draco tried to glare but the cheating bastard tickled the big babies tum tum making him giggle around the paci. Sat down slowly with a loud squish and a horrible smell being released, Draco whined and held his own nose and waved a hand. "heh, yeah buddy, Stinky.":Ron chuckled then opened his diaper. stinky as it was, Draco couldn't help but giggle even in the outdoor setting as Ron turned green in the face. charming a gas mask onto his face daddy was apparently ok and Draco huffed and crossed his arms. "No fair! cheating!" was what he wanted to say, but just gibberish came out instead because he also refused to let the dummy out of his mouth.

45 minutes later (give or take a century from Ron's POV) and the little guy was all cleaned up and his 'treasure' so to speak disposed of. The twins had manage to get free by seeing what Ron had been dealing with they decided to hold back on their revenge so they wouldn't have to change Draco today. Or at least that was the plan but after carrying Draco in just his diapers (him sitting on Ron's lap, snuggling into him and looking more like a little toddler then the high school graduate he was) when Ron came out of their room, Draco was hiding behind him and still had the dummy in his mouth. just he was sucking on it BIG time and almost giving the twins ideas. then Ron stepped out of the way and the twin's jaws dropped. If his first outfit had been shocking, and his just diapered look adorable, this look was kinda sexy and having the twins who had considered themself hetero till just seconds again were desperately trying to justify thoughts of what they wanted to do with Draco. "Boys..let me introduce the other side of your new nephew..his niece side." Ron chuckled.

Draco's cheeks were bright red, daddy had promised no sissy stuff around his brothers but said this was his punishment for being a little piggy! So now his short blond hair had a light pink bow in it, he was wearing a very short little girl party dress, complete with a bow on the back that daddy had to tie and of course was a mixture of different shades of pink. whine knee high socks were on him and a pair of black Mary janes on his feet. 'At least daddy didn't put make up on me this time." Draco sulked around his paci, waddling forward with the same bulky cloth and rubber pants he'd had before. His his Mary-janes making a clip clack sound on the floor Draco got in front of his unca's and griping the hem of his dress, curtsy and bowed his head. "so..you two think you can try this again and NOT fuck it up?" Ron asked. "I uh..I.." Fred stammered, apparently locked up in resisting the urge to fawn over the little cutie. "You know Fred, i think we could do a smash up job this time. even handle any diaper changes!" George said. "Glad to hear. no take backies." Ron said and turned to go back into Draco and his room to finish working. as he turned a low rumbling sound was heard that turned into a series of wet farts. "Uhhh Ron?" Fred squeaked out as the back of Draco's diaper ballooned out from under the dress. "No take backsies. " was all Ron said then shut the door. "...Still think letting them move in was a good idea?" "Oh shut up!"

the end

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meganshinsou-tm · 5 years ago

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Sugarcoated. (m)

↳ chapter fifteen: extraordinary

❧ genre: pro-hero hitoshi, adoptive siblings, happy ending

❧ chapter warnings: none

[multi-chap masterlist] [previous chapter - next chapter]

"Okay, so," you spoke with a mouthful of pancakes looking at Hitoshi who sat next to you on his laptop, "You're going to be an art teacher at UA? I thought it was a hero school?"

Hitoshi rose a brow, turning his sight from the screen and looking at you, he chuckled when he saw you had a small dab of syrup on your cheek. Leaning over he placed a hand to cup your neck and pull you closer as the tip of his tongue licked your skin clean. You smiled and thanked him by giving him a sticky sweet kiss. He licked his own lips clean as he pulled away and shook his head as his thumb dried his lip.

"It is, but once the second half of the year starts in a few weeks they are implementing more laid back extra-curricular courses. Those kids work their asses off with all their hero courses and the school faculty wants to try and give them courses that aren't so intense and fun, like de-stressers. They are still teenagers, growing into young adults and need to relax every now and then. Even when they're adults and pros they need to remember they're still human and deserve some down-time to indulge in their hobbies."

It made since to give the kids a somewhat normal high-school experience with such courses. Hitoshi told you besides his photography/art course there would be music, cooking, tech, sports and other language courses. He would teach a class for each year. Everyone would start at the same level this year and as the kids moved up in grades they would pick up from where they left off the year before and step up their subject matter and difficulties the older they got, he'd start new with each first year and just make it a cycle. As he talked about his plans for his class and students you couldn't help but smile and feel so happy and proud for him. This was something he was extremely passionate about and you loved how he never seemed satisfied in life, always striving to try different things and reach for bigger goals.

"So, what does that mean for your hero career? You're gonna have a lot on your hands with that teaching job."

"Well having the quirk I have and being the type of hero I am gives me the freedom to pick and choose my jobs for the majority of it. You see, I'm not really a combat type of hero, meaning I'm not who you want to call in during big fights and attacks. I can fight but it's not really my forte. I'm more low-key and undercover, the less you see of me the better I can do my job. I get called out for missions that involve infiltration groups, interrogations, uh –" Hitoshi struggled for another example.

"Like a spy pretty much?" You offered up and took another bite of your food.

Hitoshi nodded and shrugged his shoulders. "Yeah I guess you can look at it that way. Keeping the details of my quirk hidden is really a must, if the target or villain knows my quirk then I'm really out of luck because they can just choose to not talk to me. That's also why when I do go on missions or take jobs, they're away from here where no one knows me. The work I do here is mostly just research and intel for a few people, gathering information on certain wanted villains and making up profiles for them, I study them pretty much."

You raised your brows and nodded, somewhat smiling. You've never really gotten details before on what Hitoshi does as a hero. You knew he wasn't very well known and liked to keep it that way. He had told you before that he did intense training on learning how to read people, he didn't need you to talk to him in order for him to pin down what kind of person you were. Hitoshi was extremely intelligent and calculated. It made sense that he was used for more undercover and hushed jobs, his quirk was definitely more suited for that type of work.

"So when you say groups, you mean like big villain groups or even terrorists?"

Hitoshi nodded and looked back at his laptop continuing what he was doing.

"Yeah, pretty dangerous people who intend to do large scale attacks that could put a large amount of people at risk. It's my job to help stop them before they can fulfill those plans."

"Wow, you're really amazing Toshi."

Chuckling, your boyfriend made a face as he clicked and leaned more towards his screen, "I mean I don't really do as much as the other heroes so –"

"What are you talking about? Hitoshi, with what you do, you don't save just a couple of people, you save hundreds. You're able to stop things before they even happen, meaning that no one has to get hurt or know fear and distress from what could've happened all because of you. They are able to just go on about their lives and live, because of you. You do just as much as the other heroes, if not more. So yeah, you are amazing and an amazing hero."

Hitoshi was now looking at you, totally silent and taken back. He never really put much thought into what he does and how much it benefits society. His small group of fans didn't know the full extent of what he does besides that he's always called to help interrogate really stubborn big-name villains and always gets them to crack. So besides you, no one has ever made him realize just how important he is - period. Coming from you made it that much better though, you were beaming with pride, all over him. It made him smile so big it hurt.

You smiled back and he reached out for you, his hand cupping your neck again and pulling you closer to him as he kissed your lips sweetly. You smiled as he kissed you with so much gratitude and happiness, pecking your lips continuously. When he gave you one last kiss his forehead rested on yours and he sighed. "Thank you (Y/N), that really means so much to me."

"No problem hero, I'll always be here to shower you with all the admiration you deserve. All those people who don't know you saved them, I'll be the one who thanks you each time for them."

Shinsou smiled and kissed your cheek, letting you finish eating as he went back to his laptop, holding your free hand on the counter surface. After you finished you looked over to see what he was doing, he had a picture pulled up of you from Disneyland with Pooh and Piglet as they kissed your cheek.

"What are you doing Toshi?" You asked, hopping off of your seat and taking your dishes to the sink to wash them.

"I'm editing the pictures from yesterday," he replied with a smile.

You hurried to finish washing your dishes then dried your hands and skipped over to Hitoshi. He chuckled and held his arm up, inviting you to sit on his lap. You stepped on the bottom bar of the stool and lifted yourself up to sit comfortably on his thighs. His free hand wrapped around your waist as he kissed your arm and worked on the editing software.

"The lighting wasn't too bad but it could've been better, and I'm making it look a little sharper, making the colors stand out more."

"That's it?"

"Well yeah, everything else is perfect, especially you. You're genuinely beautiful (Y/N), in every angle and light. I'll never need to edit you if that's what you're wondering."

"Actually that is exactly what I was wondering, thank you for clearing it up!" You laughed and watched as Hitoshi continued. "So what do you plan on doing with these if I may ask?"

"Well I'll print them up and put them in my book with all my other pictures, but this one for sure is going to be printed up on a big canvas and hung in the bedroom, it's my favorite one of you so far. I also may get a smaller size printed too to hang up in my classroom."

Your cheeks blushed and you couldn't help but feel flattered again.

"Don't you think those kids will get sick of seeing and hearing about me and Eri?"

Hitoshi scoffed and shrugged his shoulders as he saved his file and closed the program out. He kissed your arm and pressed his cheek to it, looking up at you. "Maybe but they can get over it. It's my class and I can do whatever I want."

You laughed and wrapped your arm around Hitoshi's back, looking down at him.

"Just don't get too power hungry Toshi. I don't want to have to put you in your place if you come home one day cockier than usual."

Hitoshi chuckled and squeezed your side, "Oh I'd love to see you try!"

"I'm sure you would you perv!"

"Who's the one that offered a blow job just to see a notebook earlier? I think you just wanted an excuse to suck me off!" He replied with a smirk and squeezed your thigh.

You stuck your tongue out at him and removed your arm, leaned forward and placed your elbows on the counter. You grabbed your phone from the spot you sat at and started to scroll through it mindlessly. "So what if I did!"

Hitoshi smiled and kissed your cheek before he checked the time on the microwave clock. "Now, ready to go get our temporary kid?"

"If I can drive the jeep!"

Hitoshi laughed and pinched your cheek, "Only if you can reach the pedals halfling!"

You pulled up outside of a very modern and nice looking home. Putting the jeep in park you looked at it and awed. Hitoshi placed a finger under your chin to help close your mouth and your eyes finally looked at him and you smirked. He smiled back and leaned over to kiss you and asked if you were ready.

"I guess, I'm kind of nervous. Deku and Shouto are like a big deal!"

"Thanks!" Hitoshi replied with a laugh.

"I didn't mean it like that Toshi, it's just I've never met any of the other pro heroes before. Some of the older ones would come into the café but not the new generation."

"I know what you mean sweetheart, I was joking. You'll be fine, Deku is extremely friendly and Shouto is very kind, he may be kind of serious looking but that's just how he is. Now come on, let's go get our kid and go get some food, I'm shocked you aren't trying to eat my arm or something, it's been like an hour or two since you ate."

You rolled your eyes and shoved Hitoshi's face away as he laughed. He got out of the vehicle first and ran around to your side and opened the door to help you down. He pulled your beanie down to cover your ears and tugged the collar of your coat up closer to your face. You giggled as he wrapped an arm around your shoulder and walked with you up the walkway to the front door and kissed your head. Hitoshi lightly knocked on the door and you both waited for it to be answered.

Only a few seconds later the door knob turned and the barrier opened, a man with red and white hair split down the middle opened it and gave a friendly smile.

"Hello Hitoshi," his grey and turquoise eyes looked at you and he smiled again, "you must be (Y/N), it's nice to meet you."

He extended his hand and you froze for a bit staring at him, Hitoshi squeezed your shoulder making you blink and blush from embarrassment. Quickly you took Todoroki's hand and shook it rather fast and eagerly.

"Uh – it's nice to meet you too. I'm sorry you're just – you're really pretty!"

Hitoshi turned his face away and started to snicker, Shouto chuckled himself and slightly blushed.

"Well thank you, you're very stunning yourself."

Your eyes widened and you blushed violently and tried to bury your face further into your coat. Hitoshi smiled and pulled you closer. Shouto ushered you both inside and out of the cold, once you stepped through the door and walked into the living room a familiar voice was heard coming straight for you.

"(Y/N)!"

You turned to see an excited Eri smiling big and running towards you with open arms, you bent down in enough time to catch her as she leapt into your arms. Smiling, you held her close and tight as she hugged your neck. When she pulled away you kissed her cheek and she giggled. Hitoshi popped his head out from over your shoulder and she smiled and greeted him. He ruffled her hair and kissed her forehead.

"Hey kid, were you good?" Hitoshi asked.

"Yes, I helped take care of baby Aito!"

Shouto chuckled and let Hitoshi know that Eri was indeed good for them and was a big help with their five month old baby boy. Hitoshi asked him how parenthood was going for him and his husband while Eri talked you ear off about how cute and chunky the baby was. Soon she gasped as if she suddenly remembered something and she grabbed your face. Your eyes widened as her little fingers dug into your cheeks and you tried hard not to laugh.

"(Y/N) did Sou-Sou take you on a date? Did you make him your boyfriend?"

You nodded with a smile.

"He did, he took me to Disneyland and it was so much fun, I really missed you though and Toshi promised to take us both one weekend."

Eri smiled and looked at you, expecting more information.

"And yes, I did make him my boyfriend, he was practically begging me!"

"Hey, I heard that!" Hitoshi interjected from behind you.

You and Eri giggled until a cheery squeal came from behind Shouto. You looked to see a green eyed and green-haired freckled man. He was decently buff and extremely handsome, a adorable baby bundled in his arms. Your lips pouted and awed at its bright green eyes and curly white hair. It squealed and smiled a messy and slobbery smile and your heart melted.

"Hi there Hitoshi," the man looked at you next and walked over excitedly with a smile, "You're (Y/N) right, I'm Izuku!"

Smiling, you looked at Eri and she giggled, you put her down and she ran to Hitoshi who picked her up as he continued talking to Shouto. Greeting Izuku, you shook hands while looking at the baby in his arms. It bounced and made spit bubbles, making you verbally awe and waved at the child while cooing. Izuku chuckled and pet his sons hair.

"He's so adorable and so happy!"

"You should see him when he's hungry, he turns into a monster!" Izuku chuckled.

"I know someone who acts the same way!" Hitoshi smiled and looked at you.

Your eyes narrowed at the purple hero before they looked back at Aito. "I know this is weird but ... can I hold him? He's the same age as my nephew and he hates being held."

Nodding, Izuku handed you the baby, "It's not weird at all, Aito never meets a stranger he doesn't like. I need to make him a bottle anyway so please be my guest!"

You took the baby with a smile and brushed noses with him. Holding him in your arms you cooed and baby talked with him. You were completely lost in his sparkling green eyes and sweet laugh. Eri scurried out of Hitoshi's arms and ran to you, she tugged you over to the couch and you sat down with her and Aito, playing with them both. Shouto and Hitoshi smiled at the three of you and snuck off into the kitchen with Izuku.

"Thank you guys again for taking Eri for the night on short notice, I really appreciate it."

"It's no problem Hitoshi, we enjoy keeping her and like I said she really was a big help with the baby. Did you have a good time on your date?" Shouto asked and offered Hitoshi some tea.

Shinsou declined and smiled, "Yeah it was great. We barely missed the rain."

"Well I'm glad you had a good time. She seems really nice and Eri seems to really like her, she wouldn't stop talking about how excited she is to have her around." Deku replied as he mixed together a bottle.

"Yeah they really connected instantly, I'm extremely lucky she didn't turn down the job, in more ways than one." Hitoshi spoke with a soft smile and blush.

The sound of Aito crying suddenly filled the living room, making all three men jump and look. They all went to help but stopped as you stood to your feet and started to rock and bounce the baby in your arms, shushing him quietly before softly singing to him.

"Come with me and you'll be in a world of pure imagination. Take a look and you'll see into your imagination."

Deku, Shouto and Hitoshi watched in awe as your voice soothed the crying baby, making him coo and reach his hand out to you. You let his little fingers wrap around yours and smiled. Eri herself seemed entranced by your lullaby as you sat back down and she melted to your side, holding your arm and staring at you with her ruby eyes. You looked at her and smiled, then poked her nose as you sang.

"We'll begin with a spin, traveling in the world of my creation. What we'll see will defy explanation."

Izuku and Shouto both sighed in unison and smiled at each other as their son was enamored and captured by your voice. Hitoshi was also just as amazed, he had only ever heard you singing along to poppy songs, mostly fooling around. He could tell you had a nice voice and could keep a tune but he never actually heard you really sing. Your voice was still as soft and sweet as ever but now as you lulled the kids it was melodic and angelic. You were so amazed by all the things he could do and said that you weren't as talented but he quickly learned you were being extremely modest.

"We may need to get a recording of that. Usually he only cries when he's hungry or tired and he doesn't just cry, he screams. You can't get him to stop unless you stick a bottle in his mouth or just let him cry it out, so this is really extraordinary." Shouto finally commented and broke the silence between the three of them.

Hitoshi smiled and nodded as he ran a hand through his hair, "Yeah, she is."

#hitoshi shinsou #hitoshi shinsou x reader #bnha #mha #boku no hero academia #my hero academia #bnha x reader #mha x reader #eri #bnha fanfiction #mha fanfiction #friends to lovers #fluff

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amnachil · 5 years ago

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The College Society Chapter 1 Part 6

Enjoy ! :)

Liam Friday October 6 – Saturday October 7

I hate the dishes as much as I hate my dad. With anger, the young lad threw a spoon into the water, and looked at it sink, strangely satisfied. (At least, he had power over spoon, they couldn't resist to him). (This is certainly weird, but whatever). He was working for at least three hours or more, and he started to feet exhausted. Sadly, his break wasn't coming yet. I wish I could just rest for three seconds... His coworker gave him a tray full of spoons, and Liam stared at it, stunned. (Spoon's revenge... What a movie name). Fortunately, Judy called him suddenly :

"Hey handsome ! There is someone who wants to see you in the dining room ! Wash yours hands and come over here !"

Curious and quite worried (after all, his demonic father knew where he lived, he could also knew where he worked), the lad yielded. He crossed the big doors, and glanced to Judy and... Theo. His swimteam captain, with his elbows on the counter, smiled spiritedly.

"Hi Liam. Laura told me you were working here."

The freshman joined Theo and they sat around a table, under Judy concupiscents stares. Why did he come ? Liam knew the captain. Either he was drunk, either he was high, either he was speaking about swimming. But I have already said that I couldn't do tournaments, I'm not drinking that much and I'm not taking drugs. (Sometimes, he wondered if he could be constantly high, but that was always hypothetical). (By the way, he got drunk once, and since, he tried to avoid this as much as possible). He realised he was looking weird when Theo laughed.

"You really look like death warmed up you know ? I should even say you look awful. Rebecca told me you got some troubles... are you fine now ? I may can help."

"Thanks, but it will not be necessary. I'm good. It just was a... bad period."

Almost two weeks after his meeting with his dad, he sincerely felt better. (He stopped his destruction of trash cans when Rebbie asked him to, and he may has hit one or two times his pillow, but nothing too violent.) (Honestly, his pillow was too strong for him, trahs cans were weaker).

"Nice. Don't forget you can always come to me if you are in troubles." declared Theo.

Liam nodded, and then, there was a gap. He wants to say something more, but he's hesitating. It was weird, because the freshman wasn't really good to guess what people wanted, but Theo's mind was easy to read.

"I have something to ask you." this one eventually started. "It might be awkward, don't be scared... I just wanted to know what you're feeling about Nick ?"

The young lad frowned, surprised. Theo smiled.

"C'mon Liam, I know you're gay. I just want to know what are your feelings towards Nick."

Gay. This single word brought bad memories to Liam. Really bad one's. His last romantic relationship had ended because of this word. This cursed word. The young lad stuttered :

"I... I... He's just a friend... nothing more... I... Sorry..."

"Do you think Pete gained weight ?"

Surprised, Liam looked Theo in the eyes. What is he doing ? The swimteam captain laughed and raised a hand by way of forgiveness.

"I brought a sore point, I can see that, and I wanted to skirt the issue because it was painful. Sorry, I didn't mean to hurt you."

It seemed sincere. In fact, Liam just didn't want to speak about this stuff at all. It definitely was too painful, as Theo said. I should go back to work. He tried to help me but... I messed everything with my ex and there is no way I date someone else for now.

"He may have gained a bit of belly." approved Liam. "But this is common in college, please, don't blame him for it."

(The young lad was saying this because he wanted to go back to work as fast as possible). (But he noticed Pete's little belly hanging over his swimtrunks, and he was pretty sure he was rounding up a bit). (Yeah, despite being Liam-the-absent-minded-and-stupid-boy, he was careful of his relatives).

"Don't worry, it was not my intend at all." assured Theo. "Anyway, I'm sorry I have bothered you. I should let you work, I can see your cute little boss looking towards there... Is she seriously your boss ?"

The next morning, Liam decided to go to the pool for a swim before his work. (By the next morning, thanks to understand 2pm, because Liam never woke up before at least 11am). With a bit of attention, he did his lengths, and took advantage of the relaxing atmosphere. (He feared Colton, and tried his best to spot him, but found nothing). Finally, once he exerted himself enough, Liam stopped, and went to the locker room. He was taking a shower when he heard the fawning voice he wanted to avoid since several weeks. (Until now, he succeeded pretty well, even for the tutorial project). (Nevertheless, right now, he was naked... He couldn't ran away without losing the last fragments of his pride).

"Hey Liam." started Colton. "I saw you swim, you're good. Why didn't you participate in the tournament ?"

The light-brown boy turned towards his classmate. This one was naked too, and quite impressive. Muscled, with a six pack, strong chest and arms, nice legs and nothing going wrong... He match perfectly with Barbara's taste after all. Even his pe... (Liam blushed, and lowered... looked away).

"Okay, no answer, as usual..." laughed Colton.

"Uh sorry. I'm working during the weekend, I can't do the swimming tournaments. Are you... swimming too ?"

The brown lad looked at him and smiled. He had this smile... He's smart in addition to be handsome. Definitely Barbara's taste. It was weird, to discuss with a stranger in a shower. Liam wasn't used to it, even if he had played soccer. (Besides, he felt quite ugly in comparison with Colton, and it was depressing). (Liam always considered himself as a "normal" guy, but right now, he felt like a trash can). (No worries, he will not hit himself for all that).

"Only for my pleasure." answered Colton. "I wanted to join the club but... with the studies, my girlfriend, the gym and everything, I thought I wouldn't be able to handle this. Maybe later."

Liam nodded slowly. He had one question to ask. But it will be awkward... And I will blush... Anyway, he had to.

"Did you tell her about me ?"

As expected, he blushed a lot. (He was like a tomato when something was discomforting him). Plus, some sophomore entered in the shower, and glanced at them with knowing smile.

"I said nothing yet." assured Colton. "In fact, I'm still wondering... Are you a really bad and indiscreet stalker, or there is something else ? Maybe you know her, but you don't want to talk to her ?"

"Something like that, yes. Please, don't tell her about me."

After all what happened, Liam just wanted to avoid question. He wasn't able to face Barbara. Colton smiled. Eventually, he's cool. Cute, smart and cool, what a winning combination. (This thoughts made Liam blush even more, and he felt a bit of excitement which made him blush again, but thanks to the vapor in the shower, Colton saw nothing).

"Look, I'll be quiet as a grave, but I want something in return. Something simple. You stop avoid me, and you help us on the tutorial project. Deal ?"

"Deal. Can I go dress myself now ?"

Rebecca Monday October 9

As he looked towards Nick, she knew her coach was disapproving. The young freshman was sat on the bleacher, playing at his gameboy while eating a burger. He's just enjoying college freedom... Seing him here, Rebbie realised she didn't know much about him. He was childish, loved video games and junkfood, he always wore baggy clothes, and he had is own kind of humor. And that's all... I don't even know why he has a scolarship... But she wasnt bothered by this... After all, herself didn't talk that much.

"He doesn't look like an athlete to me Rebbie." whispered Bob. "I know what you think : he's my friend, and I don't care about his life's habits, but look... Being surrounded by athlete will lead you to outdo yourself. Furthermore, I don't want you to be... inspired by bad habits. Do you understand what I mean ?"

"Very well coach but... trust me, he's sportier than you think. And he's not encouraging me in any wrong way."

Usually, she never lied to Bob. I don't know why I feel the need to lie about Nick... Maybe, after one month with him, she wanted to remain at his side. He was like the first friend she ever had since she started running. Well, the first friend who was not interested by running. Back in highschool, or even before, she had people around her, but it had been always the same thing : they had only wanted to see her run, or make a sportive performance. As for him, Nick just didn't care about this stuff. This was new for her, and she wanted to see what it would create. Of course, she had also Liam, but it was quite different, the chestnut boy being the most inattentive person she knew.

"Rebbie, it's a reckless process... Let me give you an exemple. Do you remember Shirley Vince, one of your main opposant in highschool ?"

She nodded. A short but resolute blonde girl. Liam was in the same town and school...

"Do you know why you surpassed her ?"

"Because I'm better ?"

Bob smiled. A condescending smile she knew well. It meant she was wrong.

"You see Rebbie, while you're running, my job is to watch you, and to study your opponents. And here is what I know about Shirley Vince. Her brother went at their community college and completely let himself go. Plus, her boyfriend is overweight. That's why she couldn't win. Bad influences. Do you get it ?"

She nodded. From her experience, Bob was always right about sport. Thanks to him, she won more tournaments than she would had ever dream to. And now, she wanted to go at the Olympics Games in two year. She couldn't allow herself any relaxation.

"Anyway, I have to go." continued her coach. "See you tomorow Rebbie. I know you'll make the right thing."

Again, she kindly nodded. In fact, she had an idea. (Probably a bad one, but she wanted to try). Bob was right, she needed a good environment, with healthy relatives, and Nick wasn't. But if I can turn him into an athlete... The black girl came closer and hailed him :

"Hey dude. I... I want to see something with you tonight at the pool, after the swim training. Would you come ?"

The dark-haired boy didn't even raise his head. He simply agreed, and then focused back on his game. (At this moment, she wondered why she was doing all this for this fucking guy). (Then she realised the reason why was because he was this fucking guy). (Weird).

This night, once the training ended, Rebecca waited for him patiently in the tiers. She had prepared a plan in order to help him. Yeah, because finally, I'm helping him to get back in shape. It was hard to know Nick's figure. Outside, he was wearing baggy clothes all the time. And during the swim training, he was wearing his jacket, way too large for him. (He pretended being cold without the jacket). Anyway, the young girl was convinced his friend wasn't in the best shape, and she needed to help him. While she was thinking about him, Nick arrived. However, he wasn't alone, (Liam was here) and fully dressed, what she didn't expected. Damnit...I give him a meeting in the pool, and he comes dressed ?

"Hey Rebbie." he started. "So, what did you want to tell me ?"

Behind him, Liam was contemplating the water without any attention for them. Nevertheless, she felt insulted. Why he brought a friend, and why he was fucking dressed ? She decided to ask this last question, but more diplomatically.

"Can you explain me why are you dressed ? I expected us to swim a bit. You... and me."

She emphasized the last three words. (Liam wasn't listening anyway, so he couldn't be offended). However, Nick, as for him just smiled.

"Was it a date ? You should have say it was date."

A what ? Is he fucking kidding me ? A date ?

"Why the fuck would I date you ? Stop your fucking jokes for once. You're not funny at all."

"Calm down Hulk... I didn't want to upset you..."

"How dare you call me Hulk ?!"

Part of her tried to restrain her anger. But sadly, Rebecca was an impulsive girl. She hated being mocked. And even more being humiliated. Nick was a fucking little jackass, and she was exasperated by his humor. I think it's time to tell him some home truths.

"Listen to me bastard. I'm sick of your attitude. I'm sick of your humor. And I'm sick of your way of life. You're a lazy glutton, a smartass I want to punch since the first time I met you. You're cheeky and offensive."

She took a deep breath, but continued before he could react.

"Everything to say you're a little bugger."

Nick stared at her, astonished, for at least five minutes. I may have overreacted... She felt a bit ashamed, but her pride was stronger. A date, seriously. Who would date a guy like him ?

"Well, now I know what you're thinking." he eventually said. "Can we go ?"

No sadness in his voice, only a bit of anger. He did not feel concerned. He thinks I'm exaggerating.

"Guys ?" suddenly took part Liam. "Have you ever notice how transparent is this water ? I think there is too much chlorine..."

Pete Wednesday October 11

The young lad closed his eyes. He inhaled as much as possible and buttoned quickly his jeans. Once sure it was fastened, he relaxed a bit. I'm starting to regret having bought tight pants. Ten days since he decided to gain weight, and the results were starting to show. Right now, a roll of flab was hanging over his jeans. To be honest, it was the only physic change he noticed for now. A bit more of belly. However, both his appetite and love for junkfood were increasing, and he expected soon some results. While buttoning his shirt, he wondered if Theo noticed his growing waistline. Mike didn't even notice, so my sweet captain neither... I need to put on more pounds. He weighted himself yesterday, and was up to 75 kg (165 pounds). In other word, I gained 2 kg (5 pounds)... That's definitely not enough. Anyway, he was sure to succeed in the long run. (To be honest, he felt better now... like more... brave. It was a strange feeling, but he loved it. And he ached to get Theo back). A knock at the door made him jump. It's already time... Damnit. Swiftly, he opened the door, and sighed when his older sister yelled :

"Pete !!!!! I missed you so much !"

I already regret this meeting. His two sisters and his mother had come from his town to visit him this evening, and he didn't know how to feel about it. Yeah, because she might have insulted him, in fact his mother just loved him. (She was totally crazy, and didn't wanted him to leave). (It what happen when you are the only son, and the last born).

"My little boy !" she shouted. "Come here and cuddle your momma !"

He obeyed, and then led them in the living room. By the way, the young lad noticed they were holding severals bags, and he wondered why... But he was too shy to ask. In presence of his mother, he was a whole different person.

"You look fine to me." stated this one. "We brought diner, because we knew you would not be able do to anything fine. I hope you built a bit of appetite, because as I always said, you need to eat, my lovely son."

Slumped on the sofa, half conscious, Pete let a belch slip out his lips, and closed his eyes, relaxed. Next to him, one of his sister was rubbing his distended belly, undeniably happy, while the other put a spoon full of ice cream in his mouth. Please... I'm so full... He felt ready to explode. His jeans, which he lost so much time to fasten a bit earlier, was now open, as his shirt, to let place for his stomach. This one was round, hard as a rock, stuffed to the brim. Pete was experiencing something new. Back in highschool, he had always tried to control what his sisters and his mother wanted him to eat. But now, he knew he could handle it. (Maybe not, but it was worth a try). He was in a strange food-coma, opening his mouth, swallowing, and opening his mouth again. A delicious spoon of ice cream found his way towards his throat. Slowly, he wanted to sit up straight, but failed. A loud burp resonated in the room.

"Sounds like my boy is almost full." stated his mother. "I'm really glad you are eating more, it's healthier. You might become less ugly than you are."

She dropped off the table a big tray full of cookies. Pete looked at it, surprised. Is she expecting me to finish all these ? His family always have been full of big eaters. His two sister were quite similar, blonde, short and chubby, both with blue eyes. They often ate more than he was used too, and didn't have any problem with their weight. As for her, his mother wasn't that fat. Just a bit, as the great majority of old woman. She gave everything to my father I guess. Mr. Norisson, Pete's dad, was sporting a well-nourished gut, sign of his wealthy lifestyle. Ironically, his whole youth, the freshman tried to avoid the same fate. Being gay, he had been convinced he couldn't find love if he was fat. And now, he met the love of his life, but this one didn't like him because he was too thin. Thinking about it, Pete opened his mouth and gobbled several cookies, for the delight of his mother.

"You definitely changed." she smiled. "Seems like you decided to be an adult now."

He nodded, and took another cookie. After all, it was working perfectly for his plans, despite being a bit awkward.

Later, Pete found himself exhausted, and just relaxed on his bed. He could hear his mother and sisters talking about how proud they were, and it made him smile. However, right now, he didn't really consider himself fine. His belly was oversized, definitely too stuffed. It was hard, and each time he pushed a bit, he felt a painful pressure. (Which was why he tried to rub his stomach with meticulousness). I shouldn't have do this... Mentally, the pleasure of eating left, replaced by the impression to be a pig. It was a mistake, wasn't it ? Gain weight didn't mean he had to act like a fat slob. Pete closed his eyes, shameful, when he suddenly heard his mother saying :

"I'm sorry, but my son overeat a bit, and he's sleeping right now. You know how men are sometimes."

"Of course. I understand." replied Theo, souding amused.

What the fuck is he doing here ? Don't tell me I'll miss him... And his mother had just said he "overeat". Hell... She could have think before speaking...

"I'll tell him you came." she assured. "By the way, you're ?"

"A swimteam buddy." replied the captain. "What did you mean by... overeat ? Is he fine ?"

(In his deepest desire, Pete had expected Theo to introduce himself as his boyfriend, but nevermind). Right now, he feared his mother answer, and wanted to stood up, but he felt too heavy to even move. Damnit... I shouldn't have eat that much... He looked at his distended belly, and listened to the response.

"When I'm here, Pete is a real little glutton you know." she said. "I may have cooked a bit too much, but anyway, don't worry, he's fine. He just need to rest, which is normal after such a binge."

What a disgrace... I'm dead to him now. (Pete knew she was doing it on purpose. Since he left, she tried everything to make him come back. Crazy, as he said). Now, he looked like a pig, and a fat glutton.

"I understand." replied joyfully Theo. "I'll see him tomorrow. Have a good evening.”

To be continued

So we crossed the half of the 1st chapter ! I hope you’re liking it so far :)

I really enjoy writing Liam’s pov. He’s one of my favorite character since The High School Game and I’ve planned so much things for him ! But you’ll have to read to see that hehe.

Pete is on his way to become a nice feedee ! I guess that’s why Theo is waiting...

Rebecca versus Nick is a side story I wanted to develop a bit. But remember this is wrote under her pov ! She might not be percieving the whole picture :)

See you next week !!

#the college society #CS #liam #Rebecca #Pete #weight gain #stuffing #Liam you're my favorite #Colton is nice #Pete is going for it !#chapter 1 #part 6 #My Story

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samuelfields · 6 years ago

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A Car Fanatic’s Drive Down Memory Lane: Lessons Following The 1/10th Rule

One of my most financially helpful, but polarizing articles is The 1/10th Rule For Car Buying Everyone Must Follow. I wrote this post to help mostly younger folks not blow their money on the most common financial destroyer. We all know that almost all cars are guaranteed to lose value.

As a young man, I used to view my Toyota Corolla Hatchback as an asset because I didn’t know better. How could a car be a liability when I could take girls out on dates, drive to William & Mary from the DC-area to get a solid education, and take a nice midnight jaunt along the Jamestown river during final exams?

Now I view my vehicle as a liability. All I see in my garage is a large heap of metal necessary to transport my family safely. I’ve got to keep feeding it money in order for it to run – gas, new tires, maintenance, tax, tickets, accidents, and insurance. I’d much rather have the money sunk in my car producing passive income for financial freedom.

For those of you curious about what it’s like to follow the 1/10th Rule For Car Buying for the past 15 years, let me give you an honest assessment as an ex-car fanatic who has owned a dozen cars in his lifetime. The journey just might save you a lot of money and bring you more happiness in the process.

What It’s Like Driving A Car Way Below Your Means

Bottle Up Desire To Splurge: 22 – 25 Years Old (1999 – 2002)

The first thing I wanted to buy after I got my first real job was a nice car. Even after working minimum wage jobs during the summers and winters in high school, I couldn’t afford to spend more than $3,000 on a vehicle.

It wasn’t until I got a raise and a promotion to join a new firm in San Francisco in 2001 that I finally had enough money to go big. Go big I did by purchasing a $75,000 Mercedes G500 SUV. Just a year earlier, the car cost $150,000 because a dealer in Santa Fe, New Mexico had exclusive import rights until Mercedes bought them out. What a great deal for half off!

I regretted my decision several months later because I was spending $720 a month to finance the vehicle. I had traded a perfectly fine 1995 Nissan Pathfinder for $10,000 to take on so much debt. I was probably only making about 2X the cost of the vehicle and felt stupid still renting a one bedroom apartment for $1,800 a month. My financial priorities were askew.

A year and a half later, I sold the G500 for a $17,000 loss because it wouldn’t fit in the garage of a condo I wanted to buy. Although this was an expensive lesson, I bought the condo for $580,000, and decided to never spend more than 10% of my income on a vehicle ever again!

Traded in my perfectly good 1995 Pathfinder for a new 2002 G500

2002 was the birth of the 1/10th rule for car buying. But only after I started Financial Samurai in 2009 did I put the rule in writing.

Lessons learned: Don’t buy new. The depreciation curve is too aggressive. Consider buying a 3-5 year old car instead. Further, fight the urge to buy a car before you’re 25, especially if you have school debt. Take public transportation, rideshare, or ride with friends. After at least three years of work, you’ll appreciate the value of a dollar more and hopefully shun expensive vehicles.

Vehicle depreciation chart

Came To A Compromise. 26 – 27 Years Old (2003 – 2004)

I went from a brand new $75,000 Mercedes G500 to a seven-year-old Honda Civic sedan worth $7,500 after I bought the condo. I loved the Honda Civic so much because it reminded me of my childhood, but I was embarrassed to drive it around as third-year Associate in investment banking. Investment bankers are supposed to wear tailor-made suits, drive fancy cars, and eat dry age steak dinners.

A 1997 Honda Civic after the MB G500

I never wanted to talk about cars with anyone since I never wanted to tell anybody what car I drove. It was a pretty macho environment on the trading floor where guys would constantly make fun of each other for whatever reason. One close friend drove a BMW X5 and another friend drove a Mercedes E-Class Coupe. Both made less than I did. Their splurges made me want to splurge again, but I still felt stupid from my G500 purchase, so I held strong.

As a compromise, I sold the Honda Civic a year later on Craigslist and bought a used 1997 BMW M3 for $14,000. It was black on black with aftermarket wheels and tinted windows. Ah, finally! I felt like I could be proud of my car again. I was driving a lot during this time period because I was going to UC Berkeley part-time for my MBA. Classes were in Berkeley one week and in the South Bay every other week. It felt good to drive a sports car to and from San Francisco.

As a 27-year-old who had just gotten promoted, I felt I deserved a car that matched my position at the firm. Having a BMW was good enough to make me feel like I had a nice car again, even though it cost less than 10% of my annual gross income.

My 1997 BMW M3 that caused my insurance to rocket

Lessons learned: It’s natural to want to own a nice car in your 20s to help boost your stature. The thing is, nobody really cares or expects you to be rich or successful at that age. It’s much more impressive if you drive a beater in your 20s because it shows you have more important priorities. Your bonus or promotion will get chopped if your boss sees you driving a luxury vehicle. You can still get plenty of status points by owning a used luxury brand for less money.

Getting On A Roll. 28 – 35 Years Old (2005 – 2012)

By the time I turned 28, I was feeling pretty confident about myself career progression. I had six years of work experience under my belt, got my MBA, and one was year in as a Vice President. No longer did I need on a nice car to give me an ego boost.

Instead of wanting a nicer car to further boost my ego, I wanted to go the complete other way and start driving a beater again! A coincidence perhaps, but the 1997 BMW M3 also started having some transmission problems. After stretching to buy a single family house in the Marina district, I decided it was best to drive a second-hand car with four-wheel drive capabilities to get up to our place in Squaw Valley, Lake Tahoe.

In 2005, I found the perfect vehicle: a 2000 Land Rover Discovery II that I named Moose. I bought it from a woman who was relocating to Amsterdam for her consulting job. Because her company was paying for all moving expenses, she really didn’t care about maximizing her sale price. I bought the vehicle, which had been under warranty, for $8,000 cash. Score!

It felt awesome to be getting paid 2X more as a VP, living in a nicer property while driving a car 42% cheaper than my previous one. Some would say I was overly frugal, but I loved Moose, and wrote about him for the first five years of Financial Samurai’s life. He confidently drove us through mega storms and never quit on us.

Lesson learned: Do your best to “make it” or be on the right track by 30 with your wealth and with your career. With more money, you’ll start getting hooked on the power of compound returns and passive income. Further, owning a home trumps owning a car for lifestyle and wealth creation since the average person only drives their car for one hour a day. Homeownership is one of the easiest paths to wealth.

Not Caring Anymore. 35+ Years Old

Once I engineered my layoff in 2012, I no longer cared about my image. There was no office to drive to. There were no clients to pick up for an event. It was liberating! Moose, my 14-year-old SUV was finally traded in for $3,000 in 2014 because it had five warning lights flashing on the dashboard. It couldn’t pass smog inspection and I didn’t want to spend at least $1,000 to fix it.

I drove Rhino, my new Honda Fit, with pride for three years. Such an economical city car felt perfect for blending into my new middle-class neighborhood after I bought a fixer in 2014. I didn’t want to attract attention by driving a fancy car.

It felt wonderful being invisible. Driving a regular car also felt great because I put the $235/month lease payment on the business. Yes, a lease is not the most economical way to go, but the lease gave us the convenience of returning the car to the dealer as we were thinking of traveling abroad.

Being able to park in more spots was a huge benefit w/ the Fit

After three years, I returned the Honda Fit back to the dealership and plunked down a wad of cash for a 2015 Tata Motors SUV in December 2016. It had only 11,200 miles on it. It also went through a 200 point inspection at an Audi dealer because that’s where the owner originally planned to sell the vehicle for much more.

Despite the much higher cost, I surprisingly didn’t feel a lick of guilt or buyer’s remorse. I was turning 40 years old and had spent 13 years owning cars worth less than 10% of my annual gross income. I had invested 100% of the money saved in the stock market and real estate market during this time period. Further, I now had a baby to protect at all costs. I wouldn’t be able to live with myself if something were to happen to him in an accident with the Honda Fit.

I love the Tata and plan to drive it until it stops working or until we go on our international adventure. But I’m kind of sad I no longer love cars now that I can afford a nice variety. It was so fun to salivate in magazines and now online about all the latest vehicles.

Moose II – A 2015 Tata Motors Sport SUV

Lessons learned: Once you achieve financial independence, you’re OK with driving something very boring or something really flashy. It doesn’t really matter because you really don’t care what other people think anymore. With a family, your main priorities for the vehicle are safety and reliability. If you can also find a vehicle that looks good and is fun to drive, all the better.

Don’t Waste Money On A Car You Can’t Afford

Even the most economical cars now have fantastic features that were once reserved for luxury vehicles. For example, my Honda Fit had power windows, power locks, Bluetooth, a backup camera, a side view camera, a couple USB chargers, and paddle shifters.

By the time you reach middle-age and beyond, you won’t care as much about material things any longer. You also won’t feel ashamed owning nicer things because you earned the right to splurge. Some of you might even go the complete other way and start simplifying your life for the sake of freedom.

Stick to spending 1/10th your gross income on a car or less. You will be so happy to have saved and invested all that money in the meantime. Cars give you the greatest joy when they are reliable and don’t stress you out financially. Not only will the 1/10th rule prevent you from ever feeling buyer’s remorse, if you want a nicer vehicle, you’ll be motivated to earn more money.

Readers, anybody an ardent follower of my 1/10th rule? If so, I’d love to know what you did with your excess cash and how you feel following my rule. What has your car ownership journey been like? If you’re looking for affordable car insurance, check out Esurance for a free quote.

https://www.financialsamurai.com/wp-content/uploads/2018/08/A-Car-Fanatics-Drive-Down-Memory-Lane.m4a

The post A Car Fanatic’s Drive Down Memory Lane: Lessons Following The 1/10th Rule appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/follow-the-one-tenth-rule-for-car-buying/ via http://www.rssmix.com/

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ronaldmrashid · 6 years ago

Text

A Car Fanatic’s Drive Down Memory Lane: Lessons Following The 1/10th Rule

What It’s Like Driving A Car Way Below Your Means

Bottle Up Desire To Splurge: 22 – 25 Years Old (1999 – 2002)

Traded in my perfectly good 1995 Pathfinder for a new 2002 G500

2002 was the birth of the 1/10th rule for car buying. But only after I started Financial Samurai in 2009 did I put the rule in writing.

Vehicle depreciation chart

Came To A Compromise. 26 – 27 Years Old (2003 – 2004)

A 1997 Honda Civic after the MB G500

My 1997 BMW M3 that caused my insurance to rocket

Getting On A Roll. 28 – 35 Years Old (2005 – 2012)

Not Caring Anymore. 35+ Years Old

Being able to park in more spots was a huge benefit w/ the Fit

Moose II – A 2015 Tata Motors Sport SUV

Don’t Waste Money On A Car You Can’t Afford

https://www.financialsamurai.com/wp-content/uploads/2018/08/A-Car-Fanatics-Drive-Down-Memory-Lane.m4a

The post A Car Fanatic’s Drive Down Memory Lane: Lessons Following The 1/10th Rule appeared first on Financial Samurai.

from https://www.financialsamurai.com/follow-the-one-tenth-rule-for-car-buying/

#Financial Samurai

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mcjoelcain · 6 years ago

Text

A Car Fanatic’s Drive Down Memory Lane: Lessons Following The 1/10th Rule

What It’s Like Driving A Car Way Below Your Means

Bottle Up Desire To Splurge: 22 – 25 Years Old (1999 – 2002)

Traded in my perfectly good 1995 Pathfinder for a new 2002 G500

2002 was the birth of the 1/10th rule for car buying. But only after I started Financial Samurai in 2009 did I put the rule in writing.

Vehicle depreciation chart

Came To A Compromise. 26 – 27 Years Old (2003 – 2004)

A 1997 Honda Civic after the MB G500

My 1997 BMW M3 that caused my insurance to rocket

Getting On A Roll. 28 – 35 Years Old (2005 – 2012)

Not Caring Anymore. 35+ Years Old

Being able to park in more spots was a huge benefit w/ the Fit

Moose II – A 2015 Tata Motors Sport SUV

Don’t Waste Money On A Car You Can’t Afford

https://www.financialsamurai.com/wp-content/uploads/2018/08/A-Car-Fanatics-Drive-Down-Memory-Lane.m4a

The post A Car Fanatic’s Drive Down Memory Lane: Lessons Following The 1/10th Rule appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/follow-the-one-tenth-rule-for-car-buying/ via http://www.rssmix.com/

0 notes

bpbarnes-blog1 · 8 years ago

Text

On Having a Brother with Asperger’s Syndrome

After being away from home for the longest period of my life, I returned from college in November of 2014 for Thanksgiving break. Walking into my room felt like entering a life-size time capsule. I had only been gone three months, but the all-too-familiar trinkets that occupied vacant space on my shelves seemed eerily untouched, having accumulated a noticeable layer of dust. Overwhelmed by nostalgia, I began to finger through neglected drawers that contain a slew of miscellaneous items that I never know where to put when I clean my room. I came across a diary I kept in sixth grade and absent mindedly flipped to a page on which I had described “the worst night of my whole entire life.” As I read the passage, I cried. I was only eleven years old when I wrote that entry, but even after seven years I could still attest to that night being “the worst night of my whole entire life.” It was the night my brother found out he was cut from his high school’s freshman baseball team.

Asperger’s syndrome is defined as a developmental disorder characterized by autistic social dysfunctions. I found out Chris had Asperger’s Syndrome the same day he did—the week after he had been cut from his freshman baseball team. As a result of Chris’s horrific response to the news, my parents had taken him to a psychologist who informed us of his condition. After I learned about his diagnosis, I saw my life through a new lens. The countless times I had been pushed to my wits end as Chris repeatedly asked me the same question. All the times I had been ridiculously fed up when Chris only wanted to talk to me about school or baseball. Even silly things, like when my mom used to joke about how Chris got along better with adults than kids his own age. All of these experiences and interactions with my brother that shaped my everyday life were now pinned to textbook definitions. “Children with Asperger’s Syndrome have very restrictive repetitive patterns of behavior, interests, and activities.” “ It is a proven symptom that children with Asperger’s Syndrome have trouble developing age appropriate behaviors.” In my mind, these “symptoms” had always just been the characteristics that make my brother who he is.

The night Chris was cut from the freshman baseball team was a turning point of significant change in his life—and in mine. My family always knew Chris was quirky, and we loved him for it. His social naiveté paired with his relentless determination gave Chris a one-of-a-kind charm that most kids seemed to lose over time. Of course there were times his hyperactive repetitive habits irked us, but more often than not, his unique charisma made us smile. Upon meeting a cute girl from Ohio, Chris’s first thought was to blurt out that “the Ohio Turnpike rest stops have the most amazing bathrooms!” When Chris informed my family and I of his conversation with Ohio-girl, we burst out laughing. Chris always found his silly behavior just as hilarious as we did, which only enhanced his charming personality. However, these Asperger’s induced quirks seemed a little less pleasant the night Chris was cut from the baseball team. The news sent Chris into a tizzy—in a matter of hours, it was as if some wildly depressed maniac had infiltrated our home and left my family with nothing but a shell of the charming boy I call my big brother. Children with Asperger’s Syndrome tend to have socially or emotionally inappropriate responses, which in this case meant months of Chris’s hysterical screaming, crying, and attempts at self-destruction. My brother’s intense depression evoked chaos within my home that eventually took a toll not only on his own personality, but also ravaged the happiness of my parents, my sister, and myself. My dad was traveling the weekend Chris found out he was cut, and in my diary I had written, “It is really really really scary and there is nothing I can do. My mom just walks around the house sobbing and it’s scary because mom doesn’t usually cry. Why couldn’t he just make the team? He deserved it. Now everyone is crying and I wish dad was home really bad.”

The reason Chris was so devastated by something as minor as being cut from a freshman sports team was partly a result of his condition. People with Asperger’s syndrome tend to obsess over certain things to the point where it’s all they want to think or talk about. For my brother, baseball was one of these “things.” My childhood memories are dominated by endless hours spent in the backyard watching Chris repeatedly hurl a baseball at our rusty old pitch-back, countless bike rides to the neighborhood batting cage where we eagerly sacrificed all of our quarters to a metal machine, and innumerable summer nights spent watching Chris play little league under the lights. Baseball was ingrained in our lives; when Chris found out he could no longer play, it was as if a part of his life was being taken from him. In the following months, the misery that seeped through my home and individually absorbed each of my family members made it feel as if a part of my life was being taken from me too.

However as time went on, Chris learned to cope with his condition. He saw a therapist weekly and ended up finding something he loved just as much as baseball: academics. Learning was something Chris truly enjoyed and excelled at, and throughout the next year he passionately pursued academic goals such as perfecting his report card. In laborious hours spent working on homework, researching college scholarships, and completing applications, Chris found that focusing on school helped him cope and release his energy in a positive way. Through his research, Chris realized that the University of Notre Dame was his dream school, and decided that he would do everything in his power to be accepted there. But Chris also decided he was not going to give up on baseball. He continued hurling baseballs at the pitch-back, riding his bike to the batting cage, and playing summer league; shortly after he had been cut, Chris announced that he was going to try out for the JV baseball team the following year.

By the time his sophomore year rolled around, Chris was an incredibly more stable, happier person. I no longer laid in my bed listening to screams and moans coming from my brother’s bedroom next door. I did not have to sit outside Chris’s door begging for him to open up when my mother wasn’t around, so that I could keep an eye on him. He stopped trying to scratch and hit himself. Instead of letting Asperger’s Syndrome and depression blow out his flame, Chris had spent the last year igniting his spark by means of disciplined work and motivation. But the paralyzing fear that Chris wouldn’t make the baseball team for the second time lingered ominously in the darkest corners of my mind. Despite my overwhelming pride in the tangible progress I could see in his demeanor and work ethic, the painful memories from the previous year tied knots in my stomach and poked holes in my heart.

Chris made the JV baseball team. Now, seven years later, he expects to graduate from the University of Notre Dame in May. His junior year of high school he had decided not to continue playing baseball, but to spend more time focusing on academics instead. Chris’s work paid off. He received a $38,000 scholarship to attend the University of Notre Dame, making it possible for him to achieve his dream. A week ago Chris announced he would be accompanying me at the University of Michigan graduate school next fall, pursuing his Ph.D. in physics—the field he loves.

Since my brother’s diagnosis, I have always been fascinated with the imperceptible aspect of Asperger’s Syndrome, the idea that one would not know Chris has Asperger’s Syndrome without prior knowledge of the subject. Asperger’s Syndrome is not the type of disorder that shows any physical symptoms such as losing hair or developing scars. Similar to people afflicted by depression or anxiety, one cannot simply look at someone with Asperger’s Syndrome and know definitively that he or she has been clinically diagnosed. To other kids in high school, Chris was just “that annoying weird kid” who never picked up on social cues; he sat by himself, raised his hand to answer every question in class, and talked too much about the same thing. He was noticeably different, but not the type of different that yielded pity or compassion. While Chris simply brushed off his classmates’ ridicule with an indifferent shrug, the scornful remarks and heartless exclusion directed at my innocent brother evoked an unspeakable sadness within me, which I kept bottled deep in my heart.

When my father received a job teaching at the all boys’ private high school in our town, it was understood that my sister and I would attend Marian High School, the neighboring all girls’ private school, on the basis that tuition was free. I am embarrassed to admit that throughout Oakland County, many people generally regard Marian students as—quite frankly—beautiful, wealthy, and rather bitchy. I will never forget Bonnie, a unique girl in our relatively small class of 112 students. Unlike most girls at Marian, Bonnie was overweight and rarely brushed the tangle of thick short bangs that ran straight across her forehead (a style that most girls deemed outdated). Bonnie was clearly different; she laughed too loud at the wrong times, bolted through the hallway during class exchange, displayed a sticker collection of medieval cartoons on most of her belongings, and often raised her hand to contribute peculiar or unnecessary facts during class. For four years, I listened to girls ruthlessly target Bonnie, whispering insulting slurs about her appearance or her strange personality. I found that even the classmates I considered “nice girls”—people who I knew were morally conscious and didn’t mean any harm—often joked about Bonnie’s interruptions during class. However, I promised myself that I would never be a bystander to these insults. Every time I overheard a classmate bashing Bonnie, I was sure to interject with my own contradictory comment in Bonnie’s defense. For my brother’s sake, I refused to tolerate my classmates’ cold hearted and close-minded scorn.

Chris’s senior year of high school, I had a long discussion with my brother I’ll never forget. Four years had passed since his diagnosis, and I asked him how he felt about living with Asperger’s Syndrome. He told me he felt empowered by being different, and proud that he possessed an attribute that set him apart from the mainstream. He revealed that after he found out he had Asperger’s Syndrome, he felt more in touch with himself than ever before. He said he was actually relieved when he found out why he was different. Chris went on to admit that the downside of Asperger’s syndrome was lacking social skills and never really experiencing a normal teenage life or having a lot of friends. But on the other hand, he said that the condition helped him memorize things well, which made his academic experience more pleasant. At the end of the conversation, I asked my brother if he would rather live a life without Asperger’s Syndrome. Without hesitation, he responded, “No, Asperger’s Syndrome has helped me discover who I am, and I have found that the benefits greatly outweigh the costs.”

I was a freshman in high school at the time of that conversation, and I often worried about Chris going away to college. I feared that growing up meant growing apart, and I was deeply saddened by the thought that I might no longer be as close with the lifelong friend with whom I had shared my childhood. I feared the void that would exist as result of my brother’s absence, and I feared that Chris would have a rough transition to college.

I sit here writing this essay as a freshman in college. Watching Chris harness his unique personality over the past four years has been one of the most rewarding experiences of my life. Upon entering college, he became increasingly social and found his niche of friends. My once antisocial brother is now his dorm’s social coordinator. He calls me every week, updating me whenever he has a crush on a girl or asking me how I’m liking college–if anything our bond has grown stronger. I can genuinely say Chris is one of the happiest, most successful people I know; his resting face is a smile from ear to ear and his default mood is authentic optimism. In the seven years that have passed since “the worst night of my whole entire life,” I have developed an intangible sense of pride and an everlasting appreciation for my brother who has taught me to embrace my unique qualities and to allow my differences to push me confidently in the direction of my dreams.

#PersonalWriting

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