#Where to invest for beginners? Investment for beginners

[personal-finance8]

Where to Invest I Index Funds I Beginners Guide

Where to Invest for Beginners? How to get started with investment? Is it good to invest in Index Funds? Let's answer these question in this video below.

Diversification is a key element of a balanced portfolio. There is a plethora of investment options to choose from and it is a good practice to invest your funds across different asset classes. An Index fund is like a mutual fund and exactly imitates an index (e.g., Nifty 50, Bank Nifty, Nifty Midcap, etc.). It thus helps in diversifying your investment and mitigates the risk of your equity portfolio.

[lemonthepotato]

Cringe warning: very bad Esperanto.

Mi povas mergi min en Esperanto čar mi ne faris multe da progreso ekde 2019. Mi kredas mi komencis lerni en 2019, sed mi rezignis dum (por?) unua jaro. Mi rezignis la hispana, la franca, la japana kaj la irlandano čar… nu, estas evidente kial. Tro da lingvoj lerni (por lerni? Lerni sentas malgxuste.)

Sed, mi restis kun la Esperanto(n?) čar gxi estas facila. Mi volas lerni lingvon por la sakeo (that’s… is that seriously the word? Sakeo? I joked once that Esperanto is 80% English words with -o and the end and 15% other languages with o- at the end, but I digress) de lerni lingvon. Homoj diras ke tio estas malbono kialo, sed, kial? Estas amuza… ne estas krimo amuziĝi.

Honeste, mi estis (estis for ‘have been?’ doesn’t feel right…) uzi Google Translate por helpi min, sed ne por lambastono. nur por kontroli se mia gramatiko estas bona. Ne estas, evidente, sed… mi estas nesekura pri gramatiko. Mi scias ke gxi ne estas bona, sed gxi estas probable pli bona ol mi sed mi ne uzis gxin.

Cxiuokaze… mi havas punkton kun ĉi tio; estas malfacila mergi en konlang! Jes, mi povus aligxi servilo de Discord, sed… la embaraso. Mi estus kiel, “Bonvolu… mi estas…” kaj havas furzo de cerba! Cerba furzo? (Googling how to stutter in Esperanto. Great.) (also I’m realising I said bonvolu instead of… oh my god? Am I seriously forgetting hello? Oh, Saluton!)

Cxu mi probable lernu la lingvon de miaj lando, la irlandano? Probable, sed honeste? Neniu parolas la irlandano en la nordo. Ili apenaŭ en la sudo. (Ne estas sude, mi ne zorgas se Google translate diras alie… ne sentas gxusta.)

Cxu mi havas punkto kun cxi tio? Ne. Sed, hej, diras al mi kiel CLAPPED mia Esperanto estas. Kaj, jes, mi eĉ ne provis traduki clapped cxar gxi estas pli amuza al ne.

Mi estas tiel malbona pri Esperanto. Mi devas fidi al tradukistoj por helpo. Mi uzas Google Translate por helpi kun tempoj kaj gramatikoj, sed la vortoj estas plejparte el mia cerbo, se tio havas sencon.

Mi ne havas kialon pri ĉi tio. Mi supozas, ke ĉi tio estas testo de miaj kapabloj. La rezultoj? Tre malbona, sed, hej, mi afiŝos ĉi tio, ĉiuokaze.

Edit: after writing this post, I got an easy, actually video about languages recommended… lol

[leadendeath]

i think i'm feeling the spark returning for fursuit... haven't given up on my penumbra wip...

[tofupixel]

⭐ So you want to learn pixel art? ⭐

🔹 Part 1 of ??? - The Basics!

Hello, my name is Tofu and I'm a professional pixel artist. I have been supporting myself with freelance pixel art since 2020, when I was let go from my job during the pandemic.

My progress, from 2017 to 2024. IMO the only thing that really matters is time and effort, not some kind of natural talent for art.

This guide will not be comprehensive, as nobody should be expected to read allat. Instead I will lean heavily on my own experience, and share what worked for me, so take everything with a grain of salt. This is a guide, not a tutorial. Cheers!

🔹 Do I need money?

NO!!! Pixel art is one of the most accessible mediums out there.

I still use a mouse because I prefer it to a tablet! You won't be at any disadvantage here if you can't afford the best hardware or software.

Because our canvases are typically very small, you don't need a good PC to run a good brush engine or anything like that.

✨Did you know? One of the most skilled and beloved pixel artists uses MS PAINT! Wow!!

🔹 What software should I use?

Here are some of the most popular programs I see my friends and peers using. Stars show how much I recommend the software for beginners! ⭐

💰 Paid options:

⭐⭐⭐ Aseprite (for PC) - $19.99

This is what I and many other pixel artists use. You may find when applying to jobs that they require some knowledge of Aseprite. Since it has become so popular, companies like that you can swap raw files between artists.

Aseprite is amazingly customizable, with custom skins, scripts and extensions on Itch.io, both free and paid.

If you have ever used any art software before, it has most of the same features and should feel fairly familiar to use. It features a robust animation suite and a tilemap feature, which have saved me thousands of hours of labour in my work. The software is also being updated all the time, and the developers listen to the users. I really recommend Aseprite!

⭐ Photoshop (for PC) - Monthly $$

A decent option for those who already are used to the PS interface. Requires some setup to get it ready for pixel-perfect art, but there are plenty of tutorials for doing so.

Animation is also much more tedious on PS which you may want to consider before investing time!

⭐⭐ ProMotion NG (for PC) - $19.00

An advanced and powerful software which has many features Aseprite does not, including Colour Cycling and animated tiles.

⭐⭐⭐ Pixquare (for iOS) - $7.99 - $19.99 (30% off with code 'tofu'!!)

Probably the best app available for iPad users, in active development, with new features added all the time.

Look! My buddy Jon recommends it highly, and uses it often.

One cool thing about Pixquare is that it takes Aseprite raw files! Many of my friends use it to work on the same project, both in their office and on the go.

⭐ Procreate (for iOS) - $12.99

If you have access to Procreate already, it's a decent option to get used to doing pixel art. It does however require some setup. Artist Pixebo is famously using Procreate, and they have tutorials of their own if you want to learn.

⭐⭐ ReSprite iOS and Android. (free trial, but:) $19.99 premium or $$ monthly

ReSprite is VERY similar in terms of UI to Aseprite, so I can recommend it. They just launched their Android release!

🆓 Free options:

⭐⭐⭐ Libresprite (for PC)

Libresprite is an alternative to Aseprite. It is very, very similar, to the point where documentation for Aseprite will be helpful to Libresprite users.

⭐⭐ Pixilart (for PC and mobile)

A free in-browser app, and also a mobile app! It is tied to the website Pixilart, where artists upload and share their work. A good option for those also looking to get involved in a community.

⭐⭐ Dotpict (for mobile)

Dotpict is similar to Pixilart, with a mobile app tied to a website, but it's a Japanese service. Did you know that in Japanese, pixel art is called 'Dot Art'? Dotpict can be a great way to connect with a different community of pixel artists! They also have prompts and challenges often.

🔹 So I got my software, now what?

◽Nice! Now it's time for the basics of pixel art.

❗ WAIT ❗ Before this section, I want to add a little disclaimer. All of these rules/guidelines can be broken at will, and some 'no-nos' can look amazing when done intentionally.

The pixel-art fundamentals can be exceedingly helpful to new artists, who may feel lost or overwhelmed by choice. But if you feel they restrict you too harshly, don't force yourself! At the end of the day it's your art, and you shouldn't try to contort yourself into what people think a pixel artist 'should be'. What matters is your own artistic expression. 💕👍

◽Phew! With that out of the way...

🔸"The Rules"

There are few hard 'rules' of pixel art, mostly about scaling and exporting. Some of these things will frequently trip up newbies if they aren't aware, and are easy to overlook.

🔹Scaling method

There are a couple ways of scaling your art. The default in most art programs, and the entire internet, is Bi-linear scaling, which usually works out fine for most purposes. But as pixel artists, we need a different method.

Both are scaled up x10. See the difference?

On the left is scaled using Bilinear, and on the right is using Nearest-Neighbor. We love seeing those pixels stay crisp and clean, so we use nearest-neighbor. 

(Most pixel-art programs have nearest-neighbor enabled by default! So this may not apply to you, but it's important to know.)

🔹Mixels

Mixels are when there are different (mixed) pixel sizes in the same image.

Here I have scaled up my art- the left is 200%, and the right is 150%. Yuck!

As we can see, the "pixel" sizes end up different. We generally try to scale our work by multiples of 100 - 200%, 300% etc. rather than 150%. At larger scales however, the minute differences in pixel sizes are hardly noticeable!

Mixels are also sometimes seen when an artist scales up their work, then continues drawing on it with a 1 pixel brush.

Many would say that this is not great looking! This type of pixels can be indicative of a beginner artist. But there are plenty of creative pixel artists out there who mixels intentionally, making something modern and cool.

🔹Saving Your Files

We usually save our still images as .PNGs as they don’t create any JPEG artifacts or loss of quality. It's a little hard to see here, but there are some artifacts, and it looks a little blurry. It also makes the art very hard to work with if we are importing a JPEG.

For animations .GIF is good, but be careful of the 256 colour limit. Try to avoid using too many blending mode layers or gradients when working with animations. If you aren’t careful, your animation could flash afterwards, as the .GIF tries to reduce colours wherever it can. It doesn’t look great!

Here's an old piece from 2021 where I experienced .GIF lossiness, because I used gradients and transparency, resulting in way too many colours.

🔹Pixel Art Fundamentals - Techniques and Jargon

❗❗Confused about Jaggies? Anti-Aliasing? Banding? Dithering? THIS THREAD is for you❗❗ << it's a link, click it!!

As far as I'm concerned, this is THE tutorial of all time for understanding pixel art. These are techniques created and named by the community of people who actually put the list together, some of the best pixel artists alive currently. Please read it!!

🔸How To Learn

Okay, so you have your software, and you're all ready to start. But maybe you need some more guidance? Try these tutorials and resources! It can be helpful to work along with a tutorial until you build your confidence up.

⭐⭐ Pixel Logic (A Digital Book) - $10 A very comprehensive visual guide book by a very skilled and established artist in the industry. I own a copy myself.

⭐⭐⭐ StudioMiniBoss - free A collection of visual tutorials, by the artist that worked on Celeste! When starting out, if I got stuck, I would go and scour his tutorials and see how he did it.

⭐ Lospec Tutorials - free A very large collection of various tutorials from all over the internet. There is a lot to sift through here if you have the time.

⭐⭐⭐ Cyangmou's Tutorials - free (tipping optional) Cyangmou is one of the most respected and accomplished modern pixel artists, and he has amassed a HUGE collection of free and incredibly well-educated visual tutorials. He also hosts an educational stream every week on Twitch called 'pixelart for beginners'.

⭐⭐⭐ Youtube Tutorials - free There are hundreds, if not thousands of tutorials on YouTube, but it can be tricky to find the good ones. My personal recommendations are MortMort, Brandon, and AdamCYounis- these guys really know what they're talking about!

🔸 How to choose a canvas size

When looking at pixel art turorials, we may see people suggest things like 16x16, 32x32 and 64x64. These are standard sizes for pixel art games with tiles. However, if you're just making a drawing, you don't necessarily need to use a standard canvas size like that.

What I like to think about when choosing a canvas size for my illustrations is 'what features do I think it is important to represent?' And make my canvas as small as possible, while still leaving room for my most important elements.

Imagine I have characters in a scene like this:

I made my canvas as small as possible (232 x 314), but just big enough to represent the features and have them be recognizable (it's Good Omens fanart 😤)!! If I had made it any bigger, I would be working on it for ever, due to how much more foliage I would have to render.

If you want to do an illustration and you're not sure, just start at somewhere around 100x100 - 200x200 and go from there.

It's perfectly okay to crop your canvas, or scale it up, or crunch your art down at any point if you think you need a different size. I do it all the time! It only takes a bit of cleanup to get you back to where you were.

🔸Where To Post

Outside of just regular socials, Twitter, Tumblr, Deviantart, Instagram etc, there are a few places that lean more towards pixel art that you might not have heard of.

⭐ Lospec Lospec is a low-res focused art website. Some pieces get given a 'monthly masterpiece' award. Not incredibly active, but I believe there are more features being added often.

⭐⭐ Pixilart Pixilart is a very popular pixel art community, with an app tied to it. The community tends to lean on the young side, so this is a low-pressure place to post with an relaxed vibe.

⭐⭐ Pixeljoint Pixeljoint is one of the big, old-school pixel art websites. You can only upload your art unscaled (1x) because there is a built-in zoom viewer. It has a bit of a reputation for being elitist (back in the 00s it was), but in my experience it's not like that any more. This is a fine place for a pixel artist to post if they are really interested in learning, and the history. The Hall of Fame has some of the most famous / impressive pixel art pieces that paved the way for the work we are doing today.

⭐⭐⭐ Cafe Dot Cafe Dot is my art server so I'm a little biased here. 🍵 It was created during the recent social media turbulence. We wanted a place to post art with no algorithms, and no NFT or AI chuds. We have a heavy no-self-promotion rule, and are more interested in community than skill or exclusivity. The other thing is that we have some kind of verification system- you must apply to be a Creator before you can post in the Art feed, or use voice. This helps combat the people who just want to self-promo and dip, or cause trouble, as well as weed out AI/NFT people. Until then, you are still welcome to post in any of the threads or channels. There is a lot to do in Cafe Dot. I host events weekly, so check the threads!

⭐⭐/r/pixelart The pixel art subreddit is pretty active! I've also heard some of my friends found work through posting here, so it's worth a try if you're looking. However, it is still Reddit- so if you're sensitive to rude people, or criticism you didn't ask for, you may want to avoid this one. Lol

🔸 Where To Find Work

You need money? I got you! As someone who mostly gets scouted on social media, I can share a few tips with you:

Put your email / portfolio in your bio Recruiters don't have all that much time to find artists, make it as easy as possible for someone to find your important information!

Clean up your profile If your profile feed is all full of memes, most people will just tab out rather than sift through. Doesn't apply as much to Tumblr if you have an art tag people can look at.

Post regularly, and repost Activity beats everything in the social media game. It's like rolling the dice, and the more you post the more chances you have. You have to have no shame, it's all business baby

Outside of just posting regularly and hoping people reach out to you, it can be hard to know where to look. Here are a few places you can sign up to and post around on.

/r/INAT INAT (I Need A Team) is a subreddit for finding a team to work with. You can post your portfolio here, or browse for people who need artists.

/r/GameDevClassifieds Same as above, but specifically for game-related projects.

Remote Game Jobs / Work With Indies Like Indeed but for game jobs. Browse them often, or get email notifications.

VGen VGen is a website specifically for commissions. You need a code from another verified artist before you can upgrade your account and sell, so ask around on social media or ask your friends. Once your account is upgraded, you can make a 'menu' of services people can purchase, and they send you an offer which you are able to accept, decline, or counter.

The evil websites of doom: Fiverr and Upwork I don't recommend them!! They take a big cut of your profit, and the sites are teeming with NFT and AI people hoping to make a quick buck. The site is also extremely oversaturated and competitive, resulting in a race to the bottom (the cheapest, the fastest, doing the most for the least). Imagine the kind of clients who go to these websites, looking for the cheapest option. But if you're really desperate...

🔸 Community

I do really recommend getting involved in a community. Finding like-minded friends can help you stay motivated to keep drawing. One day, those friends you met when you were just starting out may become your peers in the industry. Making friends is a game changer!

Discord servers Nowadays, the forums of old are mostly abandoned, and people split off into many different servers. Cafe Dot, Pixel Art Discord (PAD), and if you can stomach scrolling past all the AI slop, you can browse Discord servers here.

Twitch Streams Twitch has kind of a bad reputation for being home to some of the more edgy gamers online, but the pixel art community is extremely welcoming and inclusive. Some of the people I met on Twitch are my friends to this day, and we've even worked together on different projects! Browse pixel art streams here, or follow some I recommend: NickWoz, JDZombi, CupOhJoe, GrayLure, LumpyTouch, FrankiePixelShow, MortMort, Sodor, NateyCakes, NyuraKim, ShinySeabass, I could go on for ever really... There are a lot of good eggs on Pixel Art Twitch.

🔸 Other Helpful Websites

Palettes Lospec has a huge collection of user-made palettes, for any artist who has trouble choosing their colours, or just wants to try something fun. Rejected Palettes is full of palettes that didn't quite make it onto Lospec, ran by people who believe there are no bad colours.

The Spriters Resource TSR is an incredible website where users can upload spritesheets and tilesets from games. You can browse for your favourite childhood game, and see how they made it! This website has helped me so much in understanding how game assets come together in a scene.

VGMaps Similar to the above, except there are entire maps laid out how they would be played. This is incredible if you have to do level design, or for mocking up a scene for fun.

Game UI Database Not pixel-art specific, but UI is a very challenging part of graphics, so this site can be a game-changer for finding good references!

Retronator A digital newspaper for pixel-art lovers! New game releases, tutorials, and artworks!

Itch.io A website where people can upload, games, assets, tools... An amazing hub for game devs and game fans alike. A few of my favourite tools: Tiled, PICO-8, Pixel Composer, Juice FX, Magic Pencil for Aseprite

🔸 The End?

This is just part 1 for now, so please drop me a follow to see any more guides I release in the future. I plan on doing some writeups on how I choose colours, how to practise, and more!

I'm not an expert by any means, but everything I did to get to where I am is outlined in this guide. Pixel art is my passion, my job and my hobby! I want pixel art to be recognized everywhere as an art-form, a medium of its own outside of game-art or computer graphics!

This guide took me a long time, and took a lot of research and experience. Consider following me or supporting me if you are feeling generous.

And good luck to all the fledgling pixel artists, I hope you'll continue and have fun. I hope my guide helped you, and don't hesitate to send me an ask if you have any questions! 💕

My other tutorials (so far): How to draw Simple Grass for a game Hue Shifting

[darlingkeyzblog]

Beginner’s Guide to Investing: Where to Start?

Investing can seem daunting, especially for beginners. With countless options and strategies, it’s easy to feel overwhelmed. However, investing is an essential tool for building wealth and securing your financial future. This beginner’s guide will help you navigate the basics of investing, from understanding key concepts to choosing the right investment vehicles. 1. Understand the Basics of…

[sharemarketinsider]

Mutual Funds vs Stocks: Why Mutual Funds Win!

Mutual funds offer several benefits such as professional management, diversification, convenient and easy investment, and lower costs, which make them a more attractive option than stocks.

[strawberryteabunny]

Yes! I feel like my hesitance here in like, fully endorsing this is because for an OTT coord you need to own a lot more stuff- not just a regular dress/blouse/socks/headbow but they all need to be OTT versions, and you’re going to want extra jewelry, hair accessories, OTT shoes and bag that match your coord, maybe a parasol- which is a lot of things for someone who’s new to lolita to acquire! But if you have another lolita helping it’s much easier, and if it’s the style you love then there’s nothing wrong with that.

OTT isn’t an ‘experienced lolitas only’ style (and casual lolita isn’t just for newbies either, a lot of lifestylers and people who have been in the community a while wear their lolita casually) it’s just a lot easier to put together an OTT coord when you’ve been collecting accessories for years v. having to buy everything at once (assuming you’re purchasing everything, versus getting dressed out of your friend’s closet).

Would it be okay if a beginners first coord was an OTT hime/sweet style? If said beginner was getting extensive help and advice from an experienced Lolita?

Your first coord can be whatever style you want it to be. There’s no rule that says your first coord has to be simple, that’s just a bit of advice that I might normally suggest just to make getting starting a little bit easier. If you feel confident in your ability to make an OTT sweet or hime coord that you’ll love and feel cute in right out of the gate, that’s awesome and you should go ahead and do that. 

[csuitebitches]

On Being Well Spoken

I recently received a request about posting something regarding being well spoken.

Something you need to realise is that you’re not going to become well-spoken overnight. You need to practice on people. You need to SPEAK.

I used to stutter so badly that I could barely speak a whole sentence.

Flash forward a few years. I pitched my start up in front of a crowd, I joined Model United Nations in high school and college, I’ve been invited to speak on my entrepreneurial experience by some top universities in my country. It’s taken a lot to get here. And I’m still not where I want to be.

1. Apps to track progress and help you get better at public speaking

An app that you can use: “Speeko.”

I used to use this, it is beginner friendly and you can improve your public speaking skills as well.

2. Use topic generators

Go online and look up a topic generator. Generate a random topic, video yourself speaking on that topic. Don’t give yourself time to prepare anything - read the topic and start speaking. Set a time limit - you’ll realise that speaking for even 2 minutes can be quite difficult at times.

Not only does this make you realise that you may have limited language skills, but it will also make you realise exactly where you’re falling behind. Note down things in a journal.

- is grammar the issue?

- Lack of vocabulary?

- Too many filler sounds?

- Knowledge gap?

This is also a great idea if you’re at an intermediate level of learning a language/ polishing a language. Do this everyday and maintain a diary on your improvement.

3. Reading out loud

Select a news article or any article. Read out loud, slowly and steadily. Pronounce every syllable calmly.

A two minute read should take 5 minutes to read out loud. That’s how slow you should go. Not more than 4-5 words per breath.

Your tongue needs to get used to different syllables and sounds. Practice will help.

4. Talk in real life

Talk to anyone and everyone whenever you can.

Ask your barista how their day is going.

Ask your work or university security if they’ve had a good day and if they ate today.

Chat with your taxi driver about their life. I always start with asking them if they are from the city we’re travelling in. Even if you’re from that city, act like a tourist. Where are the best eateries? The conversation eventually goes to personal questions. How many children do they have, and what do they do? What do they like about the city?

You’ll learn the art of small talk only through practice. No book or guide can actually prepare you. You have to practice, practice and practice.

5. Diaphragm breathing

Diaphragm breathing is very important. Look up some YouTube videos for reference. You essentially breathe from your tummy (stomach goes in and out; not chest going up and down). This is a great calming exercise too.

6. Stuttering tongue/ jaw exercise videos

These are great because they really do prep your jaw and tongue well. The videos could include tongue stretches, placing your tongue on your palette correctly, etc. Search on YouTube.

7. Body posture

You really need to work on your posture too. Sit up straight. Back, STRAIGHT. Chin up, shoulders relaxed. Something as simple as posture can change your level of confidence.

8. Pranayama

A yoga exercise for breathing. You can find a guided video on YouTube for sure.

9. Vocabulary

Invest your time in expanding your vocabulary. There’s enough apps and games that can help you with that, if you aren’t fond of reading. A sign of being well spoken is having great vocabulary.

Start by looking up the synonyms of everyday words.

“I’m upset”

- how many different words can you find for upset?

“I had a crazy day today”

- one can easily use “hectic”, “chaotic” “lively” instead

10. Idioms

Idioms, phrases, sayings - look up common idioms in your language of choice. Aim to use at least 3 new idioms on 3 separate occasions in a week while you speak. You need to understand when and where you can use the idioms in your vocabulary.

11. Knowing when to switch

You can’t talk like a 50 year old heiress to a 10 year old child; you need to get down to their level.

If someone is clearly not a native speaker and is struggling to put words together, don’t use difficult words around them.

If you’re meeting with someone high profile, refrain from using slang.

The best speakers know when to switch their level of language.

You can’t use one singular type of speaking with everyone. You need to understand that there is a time and place for everything - and you’ll be able to switch like a pro only when you actually speak and start gaining experience.

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Retirement and How to Retire

How to start saving for retirement

Dafuq Is a Retirement Plan and Why Do You Need One?

Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over.

Season 4, Episode 5: “401(k)s Aren’t Offered in My Industry. How Do I Save for Retirement if My Employer Won’t Help?”

How To Save for Retirement When You Make Less Than $30,000 a Year

Workplace Benefits and Other Cool Side Effects of Employment 

Your School or Workplace Benefits Might Include Cool Free Stuff

Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds

The Financial Order of Operations: 10 Great Money Choices for Every Stage of Life

Advanced retirement moves

How to Painlessly Run the Gauntlet of a 401k Rollover

The Resignation Checklist: 25 Sneaky Ways To Bleed Your Employer Dry Before Quitting

Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”

You Need to Talk to Your Parents About Their Retirement Plan

Season 4, Episode 8: “I’m Queer, and Want To Find an Affordable Place To Retire. How Do I Balance Safety With Cost of Living?” 

How Dafuq Do Couples Share Their Money? 

Ask the Bitches: “Do Women Need Different Financial Advice Than Men?”

From HYSAs to CDs, Here’s How to Level Up Your Financial Savings

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?” 

Speaking of advanced money moves, make sure you’re not funneling money to The Man through unnecessary account fees. Roll over your old retirement accounts FO’ FREE with our partner Capitalize:

Roll over your retirement fund with Capitalize

Investing for the long term

When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation

Investing Deathmatch: Investing in the Stock Market vs. Just… Not 

Investing Deathmatch: Traditional IRA vs. Roth IRA

Investing Deathmatch: Stocks vs. Bonds 

Wait… Did I Just Lose All My Money Investing in the Stock Market? 

Financial Independence, Retire Early (FIRE)

The FIRE Movement, Explained 

Your Girl Is Officially Retiring at 35 Years Old

The Real Story of How I Paid off My Mortgage Early in 4 Years 

My First 6 Months of Early Retirement Sucked Shit: What They Don’t Tell You about FIRE

Bitchtastic Book Review: Tanja Hester on Early Retirement, Privilege, and Her Book, Work Optional

Earning Her First $100K: An Interview with Tori Dunlap 

We’ll periodically update this list with new links as we continue writing about retirement. And by “periodically,” we mean “when we remember to do it.” Maybe remind us, ok? It takes a village.

Contribute to our staff’s retirement!

Holy Justin Baldoni that’s a lot of lengthy, well-researched, thoughtful articles on the subject of retirement. It sure took a lot of time and effort to finely craft all them words over the last five years!

In case I’m not laying it on thick enough: running Bitches Get Riches is a labor of love, but it’s still labor. If our work helped you with your retirement goals, consider contributing to our Patreon to say thanks! You’ll get access to Patreon exclusives, giveaways, and monthly content polls! Join our Patreon or comment below to let us know if you would be interested in a BGR Discord server where you can chat with other Patrons and perhaps even the Bitches themselves! Our other Patrons are neat and we think you should hang out together.

Join the Bitches on Patreon

[deerspherestudios]

Hiya! I know you get this a lot, but I wanted to start off by saying how much I ADORE your work and that I genuinely cannot WAIT for day 3 of Mushroom Oasis. Your artstyle is so pleasing on the eyes! ٩(^‿^)۶ You might have been asked this before, but I was just wondering what programs you used when programming/making your visual novels ^^’

I love writing stories/drawing and I had loads of ideas bustling about making visual novels but have no idea where to actually start…

MUCH LOVE 💗💗💗💗

I use Ren'Py! It's incredibly beginner friendly and truth be told, coding is not my forte. I mostly looked at how my friend did it for Lift Your Spirits and kinda just worked with what I understood at the time!

Most of the time this is me working in Ren'Py:

Dev ramble under cut:

I know the question didn't explicitly ask but just a teensy bit of unsolicited advice, I recommend starting with a script!

You can't make a visual novel without the novel part done first, and it helps to see if you really have something good enough for a finished game before investing the time and energy into artwork, coding, et cetera. You can even start writing before you figure out how to use Ren'Py, as the script can help motivate you to finish what you started! At least that's how it worked for me!

[captain-joongz]

here's first of the bigger requests that came through during the hard hours, my dear ✨ anonie, i hope you enjoy your piece! <3

LOSE TO WIN

warnings: bdsm dynamics, mistress kink, spanking, humiliation and praise, strap on usage, strap on deep-throating, coming untouched, anal fingering, pegging, rough handling, rough sex, orgasm denial, face slapping, riding

word count: 3.9k

Minho wasn't the kind of person you'd expect to get into trouble. He was smart. Sly. Always had a comeback, always knew how to get himself out of hot water. But he was also impulsive, hot-blooded and stubborn. He knew that about himself, maybe better than anyone else.

And he was incredibly competitive. So maybe that's why his plan was such a bad idea.

I mean, of course his friends would try to persuade him to not go to a casino, unless they were shitty no one would encourage their friend to go gamble, but Minho wouldn't listen - of course he wouldn't.

He didn't begin to understand why it was such a bad idea for him specifically to go until he was sitting at the poker table with a terrible hand of cards and no way to lie himself out of it.

People tend to do stupid things when they get their first big paycheck - buy a car they don't need, spend it on clothes or stupid investments. Going to a casino might be the stupidest though, not that the man would admit that, even as his beginner's luck shifted and the tide turned.

Winning a nice sum in the first few rounds, he felt confident - he should stay, play more - he could double it, triple it, he could go home with three paychecks instead of one. He'd show his friends, he'd be the one laughing at them.

But then he started to lose. And it was not pretty.

He wasn't sure how it worked in casinos, but when he was discreetly offered more chips to have a chance to win his money back, he didn't think to stop and ask where they came from or what the consequences were - he just needed a chance to win and then he'd leave. That was all, just one lucky hand and then this nightmare would be over.

When the last game ended, Minho was in a daze - it took him several long seconds to realise that he'd lost once more, and this time he was in deep shit. Not only his own money was gone, but now he owed someone.

He didn't notice you at all, eyeing him the whole evening and having a private laugh about how cutely clueless he was. It was so obviously his first time gambling, your trained eye could see it the second he stepped in the room. Oh, you'd just eat him up.

And now, watching the man sit there all miserable, head in hands as he came to terms with his situation, it was your prime opportunity to strike.

"First time?"

Minho looked up as soon as he heard the melodious voice, coming face to face with you dressed in a black expensive dress, hair and face all made up. At first glance he could tell you were someone important. And very, very rich.

"Um, y-yeah, sorry if I'm blocking the table." He moved as in to get up and leave, but you stopped him quickly and instead offered him a cigarette. Minho threw a nervous glance at the security guys, but they didn't seem bothered by anything you were doing, so he accepted. Of course, what he didn't know was that as the owner's daughter you had free range to do pretty much anything, and they knew better than to interfere when you were hunting.

"I can pay it for you," you offered easily, playing with the packet in your hands while Minho choked his sorrows with nicotine. He startled and you had to suppress a satisfied smirk. This would be so much fun, you couldn't wait to ruin him.

"N-no, that's fine. I'm fine." So he was still deep in denial, huh. You leaned closer and plucked the cigarette out of his hands, taking a drag yourself. You saw his eyes glued to your lips, shock and interest mixing in his brown irises.

"Look, boy, I'm going to be honest with you," you started, spinning your soft web, "you're fucked, spectacularly so might I add. If you try to leave now, you'll end up in some really mean people's hands. I can pay your debt and trust me, I'm much nicer when it comes to paying back." Minho looked like he didn't trust your words one bit, but that's what's nice about desperation - it makes you do things even if you know you shouldn't.

It was all reflected right there in his eyes. You knew you had him, he only had to stop running away from it.

"What would you want in return?" he asked hesitantly and you grinned. What a smart boy, knowing you weren't after money.

"One night, you listen to my every word," you said confidently, "be a good little toy for me."

You saw him shudder before he attempted to school his features into a look of carefully constructed disgust, but you knew. You really hit jackpot with this one, no pun intended.

He sat there in silence for a little while and you let him. He had to come to terms with reality and realise you were offering him the only way out, you would not interfere with that - he had to do that all on his own.

Minho knew he was stupid and got himself into trouble. For the first time in a really long time he couldn't come up with a way to get out of this - he desperately wracked his brain for any solutions while you sat next to him and inspected your nails like a shark waiting for the fish to crawl up all the way in his mouth.

But really, how bad could it really be? He'd just fuck you and he'd be okay, it was definitely the better option than getting beaten up by loansharks. It would be easy, right? He was pretty good in bed, so he had the confidence he could pleasure you and then you'd let him go and everything would be okay. Easy peasy.

He nodded. You grinned. Bad premonition filled his stomach.

Minho cried out when another hit landed on his exposed thighs, your hand then gently caressing the reddening sensitive skin there. There were tears brimming in his eyes, the burn of the impact turning him needy and whiney.

You didn't waste any time after you dragged him off into a hotel room, immediately ordering him to pull his trousers down and bend over the edge of the bed. You yourself dragged a chair over and sat down, face level with his perky underwear clad ass. He needed a punishment, that's what you said, and he was maybe starting to agree.

"Will this teach you not to be such a dumb boy? Maybe I can fuck some common sense into that pretty head of yours, huh?" You teased and taunted, delivering sharp words after each spank until Minho's head was swimming and he couldn't see through tears, biting his lips to stop all the pitiful whimpers from spilling out of his mouth.

But even though he didn't know what to think of this, his body has made up its mind already - he could feel his cock hanging between his legs, so hard it hurt, but ignored and useless. He attempted to sneakily touch himself a few minutes ago, only to get another hard hit and the sharp words "hands where I can see them, boy!", so now he didn't try anymore.

Everything was kind of fuzzy and he couldn't even tell up from down, but fuck, he didn't want to stop, and that scared him. Right now he'd probably let you do about anything to him.

"What do you think, have you learnt your lesson?" Your condescending words broke him out of his haze, but he could only pitifully whine, realising just how much his knees were shaking, close to buckling under his weight. You'd stopped your punishment, but he still felt the phantom sting of your previous smacks.

"Well alright then. Take off the rest of your clothes and sit down on the bed." Embarrassingly enough, Minho wanted to scramble to follow your order, but his limbs just wouldn't cooperate, so he sluggishly turned and fought his shirt off while you sat in your chair silently and watched.

You waited until he was done and sitting down before you came to him, standing in front of him and taking in the state of him. And what a vision he made with his red eyes, tear tracks over his cheeks and lips bitten raw, all crimson and swollen. The once proud and cocky expression he wore during the game now changed into neediness and desperation. And that's what you liked to see.

His lips in particular caught your attention, and you found yourself tracing them with your thumb, mesmerised.

"Fuck, I kinda really want to fuck your throat..." You only mused that out loud, muttering it into the charged air between you, but the absolutely wrecked needy sound that escaped Minho's mouth surprised you both, judging by the blush suddenly spreading down his neck.

"Oh? You like that? Well, who am I to ruin your fun.."

You walked over to one of the huge built in closets, pulling a big box out and gingerly going through its contents. Minho saw glimpses of various sex toys and other kink related objects, and he decided he really didn't want to know why you had that here. Some things were better left unquestioned. And he wasn't even sure whether you'd like being questioned. He desperately didn't want to displease you.

When you found what you were looking for, you pulled it out with an exclamation of victory and finally let Minho see what he apparently asked for - a harness and a strap on dildo - huge, veiny and deep purple. He shuddered, and though he'd like to lie to himself and say it was apprehension, the way his dick jumped upon seeing it spoke a different story.

You had to take your dress off to put it on, and the vision of you in only your black lacy underwear, black heels and the strap on harness did something to Minho's brain. You just simply gestured to the ground by your feet, face curled into a beastly grin.

"Kneel."

And as simple as that, he was on the ground in front of you so fast he might have had carpet burns. You laughed at him, like he was pathetic. He felt pathetic, with his mouth already watering and filling with drool, jaw clenched because otherwise he'd already have it wide open, and he squirmed under your domineering eyes.

You grabbed him by his chin, gently, turning his face up and guiding his lips towards the tip of your dildo. "If you need to stop, tap my leg twice like this." You demonstrated and he nodded, hesitantly letting his lips kiss the cold silicone.

Minho had tried it with boys before, and he wasn't against it, but he'd never sucked a cock in his life, and he had no idea what to do, so he started slow. You didn't seem to mind, eyes keenly watching him as he licked the toy and kissed along it softly, familiarising himself with the veins and ridges. Your hand stayed on his face, holding him in place and gently guiding him.

But of course your patience would run out at some point, and soon your hand pulled him onto the dick, sliding it between his lips and teasingly always thrusting a little deeper, until it was kissing his throat and making him gag. This repeated a few times - you'd slide in, he'd gag and you'd pull out to give him a little break, until you took matters into your own hands - quite literally.

Grabbing his head, you took control of his movements, guiding him in a smooth motion.

"Don't panic, relax your throat," your words rang out and Minho fought to follow your instructions, eyes full of overwhelmed tears, "breathe through your nose. Deep breaths. There you go."

You felt his his throat relax, sliding in a little further - and Minho choked. But this time it was a good sound, all nicely wrapped up in a tiny moan, and you groaned in answer, thrusting a little harder the next time.

His face screwed into one of pleasure and you saw his thighs clench, mouth suddenly hungrily chasing after you every time you pulled out. You pumped your hips rhythmically, growing breathless as you watched him moan and choke on it, with every thrust taking a little more until his face was pressed into the leather of harness, gurgly moans slipping out.

It was enough to drive a saint mad.

And Minho loved it - you could see it in the way his red cock jumped and twitched, throbbing in his lap like it was about to burst without a single touch. You felt your own pussy, so wet and empty, squeezing and clenching around nothing while you guided Minho's pretty face to choke on your cock.

"Fuck, wish I could feel your throat, bet it's so fucking good," you groaned out breathlessly, picking up pace and roughly slamming in, Minho's eyes rolling back into his skull as he took it, fingers helplessly digging into the meat of your thighs.

You should have seen the warning signs, but truly you didn't think he'd be capable of something like that - when his moans doubled in frequence, growing higher, more desperate, more whimpery, his hips jumping abortedly as his cock throbbed and twitched with rising intensity, you thought nothing of it, enjoying the view of his face covered in tears and drool, cock slipping in and out of his mouth.

You thought nothing of it until suddenly Minho was cumming with a high-pitched raspy moan, cock spurting out thick streaks of jizz all over his stomach and thighs. You pulled out in shock, eyes appreciatively flying over the scene, over his fucked out ruined face and body covered in white as he panted with laboured breaths.

"Mistress..." he rasped out, voice all gone and scratchy, and your pussy throbbed so hard you were worried you might cum too. Instead you steeled yourself and smirked again.

"What a naughty boy you are, did I say you could do that?" Minho didn't seem to have much brain power to come up with an answer and he only whined, tired body winding down. "Get on the bed."

He still faithfully obeyed your commands, dragging himself to the king sized bed and dropping down like he was dead. Crawling in behind him, you signalled for him to turn over on his stomach and he did.

His ass and thighs were still a little red from earlier, and when you touched the skin, he jolted a little, whimpers falling into a pillow.

"Well, Mistress has to punish you now, again" you tsked at him, hand reaching for a bottle of lube and condoms standing on the nightstand. Pulling one over your fingers and warming some of the smooth liquid, you carefully reached down between his cheeks, running softly over the puckered rim and pushing on it. You would have been worried about his reaction, had it not been for the immediate groan tumbling out of his lips as his hips jerked into your fingers, back arching and begging for more.

"What a naughty boy you are indeed," you whispered, giggling in amazement. You truly found a gem tonight.

His hole had a little resistance to it, but with careful smooth movements you quickly slipped in, stretching him out on two fingers. You chose a slow sensual pace, winding him up again, pouring some fire back into his veins. You heard his breathy little sighs, hips moving in a rhythm with your fingers, rolling in little circles and slowly working them in deeper and deeper.

Once they slipped all in and you started up a faster pace, the sighs turned into pleased little moans, those that spoke of a complete satisfaction of having been filled up and fucked open, and you salivated at the prospect of fucking him soon. And when you managed to curl your fingers just right, hitting his prostate and punching out a loud moan out of him, your head almost spun with lust.

Minho took three of your fingers like a champ, rocking back onto them and trying to subtly grind his already hard again cock into the sheets - and you let him, even though he probably thought you didn't know. Soon he wouldn't have such a luxury anyway, so what's a few cheeky rubs now.

"Such a slut, I really had no idea who I stumbled upon, huh?" you teased some more, fucking your fingers in roughly and massaging his walls in a way you knew drove him crazy. His hips never stilled for a moment, chasing his pleasure mindlessly as he drooled into the white bedding.

"Don't worry baby, Mistress will fuck you good," you murmured, pulling out and ignoring his needy panicked whines at losing the stimulation.

Without losing a second you immediately reached over to get another condom, getting your cock all nice and wet and ready. Giving his ass cheek one last smack, you angled your hips and pushed in mercilessly.

The cock went in easy, his hole all nice stretched and covered in lube, and the reaction from Minho was instantaneous. You felt him tense underneath you, a little pained whimper falling out of his lips just as he pushed back hungrily and pulling you deeper inside.

You understood what he wanted perfectly, and wasted no second giving it to him just right. Pulling back, you thrusted back in forcefully, punching out a pained moan out of the man.

You set a ruthless pace, pounding into him and angling your cock just right to smack right into his prostate on every stroke. Minho cried and screamed underneath you, keeping his hips still and presenting for you like a bitch in heat, hungrily taking all the aching pleasure.

"H-hurts...!" he moaned into the pillow even as his hips shook with how much he strained them to be able to take more.

"Hurts? Does it baby?" you entertained him, smirking behind him.

"So- so goo-" he got choked up on a groan, drool shining on his chin, "it's so good! More!"

"Demanding, aren't you baby?" you mused out loud, slowing down so you could pound into him harder, "but you have to be a good boy and not cum until I tell you to."

You felt how his body immediately tensed under yours with the overflow of pleasure, and he sagged into the bed, only letting out content whimpers as you continued the tempo.

You yourself were growing breathless, the fucking taking a toll on you as well - you were better at controlling yourself, but the way the harness pressed into your clit with every movement, sliding with all the slick you produced, your own arousal was slowly growing to crescendo.

Minho shook under you, his whole body taut and hands helplessly grabbing onto anything he could reach.

"Please! I wanna cum! Please!" his voice was all raspy with desperation, hips jumping back into yours. You tsked at him loudly between quiet moans, one hand going to spank him again.

You knew it wasn't fair, especially not when he jerked underneath you with a debauched groan, desperation growing tenfold in him.

"Please! Mistress!" for a few more thrusts those were the only words that slipped out of him, an endless repeat of cries and pleading.

"Can you be a good boy? Can you listen?" you taunted again, sweat rolling down your body, hands slipping on his skin with the perspiration. You were so close, you needed to cum so bad.

"Yes! Yes!" he chanted, and he really took it well. You fucked forward a few more times, aiming to give more pressure on his prostate - and when Minho flailed under you with tortured groans, but still didn't cum, you decided to take mercy on him.

Movements tinged with your own desperation, you quickly pulled out and tore yourself out of the harness, stepping out of your panties as well in the process.

Minho was desperately whining on the bed, hips still in the air and begging for more, but you grabbed him and manhandled him onto his back, in rush putting a condom on for him before you mounted him and sunk on his cock, a pleased sigh leaving your lips while Minho cried with overstimulation and denied pleasure.

You felt how his entire body trembled, freezing every time you moved your hips, eyes wide and wet with tears.

Your lust catching up to you, you couldn't help yourself and ride him with reckless abandon, just chasing your pleasure and using him like your own fuck toy while he thrashed on the bed, hips chasing after your wet heat and inaudible nonsense spilling out of his red lips.

"Go on baby," you gritted out between breathless sighs and groans, "take what you need." You were so close you could almost taste your orgasm on your tongue.

But instead of cumming immeadiately as you expected him to do, Minho only cried harder underneath you, incomprehensible pleading filling the room.

"Hit- hit me! Please Mistress, hit me!"

To say you were shocked would be an understatement, but you couldn't hide how your cunt clenched on his cock at his demands, and you reached behind to caress the back of his thighs again, only to be stopped once more.

Minho grabbed your hand and without any preamble pulled it to his face, big begging eyes watching you bounce on his cock. The groan that spilled out of your mouth was absolutely beastly and you clenched on his cock so hard you both almost came.

But who were you to deny him?

Caressing his cheek briefly, you pulled back and delivered a sharp slap, watching his face screw up with pleasure, cock throbbing almost violently, so close to bursting.

It only took one more before Minho was arching under you, crying out as his cock twitched and throbbed inside you, spilling into the condom.

Watching his face bleed into ecstasy and feeling his orgasm so viscerally, hearing his blissed out cries, you felt yourself clench and then you were cumming on his cock as well, riding out your orgasm on his cock as the pleasure consumed you from inside.

Your bodies jerked together for a few more moments, lust riddled brains savouring every second of the liquid ecstasy flowing through your veins, before you slid down to the bed to his side, attempting to catch your breath.

The last thing Minho remembered were your soft whispers of praises you pressed into his naked skin with gentle kisses.

You smiled and let him, seeing no reason in waking him up. After all, he didn't have to hear you settle everything with the casino, letting them know that there was no debt to settle cause the money he lost was yours all along. He didn't need to know the truth.

When Minho limped home the next day, covered in bruises, back hurting like crazy but muscles slack in a way that only good sex could facilitate, he couldn't even look into his friends' eyes with shame.

Of course they were worried for him - he looked terrible and they could see the little winces he did with every fast movement. He looked like he'd gotten beaten up after losing all his money.

And Minho would let them believe that, until the end of his life. They didn't need to know the truth.

divider by @cafekitsune

[theweirdwideweb]

I'm on my second career path choice after disliking my first choice (both fields required schooling), and I'm finding that I also strongly dislike my second choice. I'll be 27 soon and I'm feeling like a failure. All I want is to make decent money and not be miserable. I really thought the fields I chose would be right for me when I chose them and had to learn the hard way that they weren't. I'm tired, tired of being a perpetual beginner and of spending so much time and energy on schooling and "figuring it out". I just want to be doing the thing and move forwards so I can focus on the things that really matter to me. Any advice for someone in this position?

It sounds really frustrating. I wish we lived in a world where a person was free to explore careers without attaching a university size price tag to it. Here's the deal though: 27 is not old. I know it feels old, but I promise you it's not. I'm 37 myself and exploring my options and I don't feel too old at all. Many people do it. Since you're asking for my advice, I think for now you can work the highest paying job you can stand and pay off debt. Personal fulfillment in one's career is something to be envied, but obviously not the reality for most people. Show up, cash your check, pay down debt, and invest time and energy into your relationships and hobbies. I imagine your disillusionment with the first two careers might have been caused by any number of factors: 1) A misunderstanding of what working the career looks like day to day. 2) A youthful ignorance to the realities of capitalism. 3) The personal transformation that occurs between the ages of 18-27 changed you into a person that's no longer interested in the things you once were. The good news is that your personality begins to settle as you approach 30. You know much better what you need and want, your limitations, and the limitations of the world around you. I think you'll find the career path you're looking for. Just buckle down, make some money, make a secure place for yourself financially and socially, then revisit the subject when your sense of self solidifies.

Now I never talk about this because it's plain rude and makes me look like a jackass. When I went to college at 18 I had a small fortune from my dead father's life insurance. $250,000 or right about there. I spent all that money in 4 years and landed flat on my ass at 22 with nothing. I worked assembly line, food court, drug dealing, writing for scam websites, retail, online sex work, and even sold buttons at sports games. It took me until I was 28 to go back to school and I had to take out student loans to do it. But by that time I knew what I wanted. That initial failure of losing all that money, in the end, gave me the life experience to make wise choices. It was soul crushing the entire time but even the poor can make due with friends and a sense of humor. Don't beat yourself up. The past is the past. You will be fine.

[gentlekalita]

Best Props for BDSM

It’s your Gentle Domme Kalita here, excited to explore an essential aspect of BDSM that can elevate your experiences: BDSM props. Having the right tools can transform your sessions from ordinary to extraordinary, adding layers of excitement, trust, and intimacy. Whether you’re a curious newbie or an experienced player, this post will guide you through some of the best props to enhance your BDSM play. Let’s dive in!

1. Bondage Gear

Bondage gear forms the backbone of many BDSM scenes. Here’s a look at some popular options:

Ropes: Soft cotton or hemp ropes are perfect for bondage, offering flexibility and comfort. Ropes can be used to create beautiful body harnesses or traditional ties. Remember to learn a few basic knots to ensure safety while creating stunning effects.

Cuffs: Padded cuffs are an excellent choice for beginners and seasoned players alike. They offer comfort while still providing a feeling of restraint. You can find them in velcro, leather, or chain variations for added style.

Hogtie Straps: These versatile straps allow you to bind your submissive in multiple ways. They can be adjusted to fit comfortably and securely, providing endless opportunities for effective and exciting bondage.

2. Blindfolds and Hoods

Sensory deprivation is a thrilling aspect of BDSM that can heighten arousal and anticipation:

Silk Blindfolds: A classic choice, silk or satin blindfolds are not only comfortable but add an element of luxury to your sessions. They can amplify sensations and allow your submissive to focus solely on touch, sound, and smell.

Hoods: For a more intense experience, consider hoods that cover both eyes and mouth. These add an extra layer of sensory deprivation and can be a thrilling addition to roleplay scenarios.

3. Impact Toys

For those who enjoy sensation play, impact toys can add a delightful sting to your sessions:

Whips and Floggers: Floggers made from soft materials are a great place to start. They offer a thuddy sensation rather than a sharp one, making them ideal for those new to impact play. As with all props, ensure you understand how to use them safely.

Paddles: Wooden or silicone paddles provide a solid thwack! Start with lighter paddles and gradually work your way up to heavier ones as your partner becomes more accustomed to sensation play.

Canes: If you and your partner are ready for the next level, consider using a cane. They require a bit more skill, so be sure to educate yourself on safe practices before introducing them into your play.

4. Sensory Play Items

Incorporating sensory props can elevate the connection and experience:

Feathers and Fur: Using feathers or soft fur can create an enticing contrast to the more intense sensations of bondage or impact play. They can be used to tease sensitive skin and provoke laughter or gasps of pleasure.

Ice Cubes and Warm Oils: Experiment with temperature play by incorporating ice cubes or warm massage oils into your scenes. The contrasts in sensation can awaken the senses and enhance pleasure significantly.

5. Roleplay Props

Roleplay can be a fabulous way to explore different dynamics within BDSM:

Costumes and Lingerie: Invest in a few costume pieces or alluring lingerie to embody your character fully. Whether it’s a police officer, a teacher, or a pet, the outfits you choose can enhance the entire experience.

Accessories: Consider using items like collars, leashes, or cuffs that match your roleplay theme. These elements can add authenticity to your scenario and deepen the power exchange.

6. Aftercare Tools

Aftercare is a vital part of any BDSM experience. Consider these items for a nurturing environment post-play:

Blankets and Pillows: Create a cozy space where you can have your aftercare discussions and snuggles. Soft blankets help in making your partner feel warm and protected.

Hydration and Snacks: Stock up on water, herbal teas, or light snacks. Staying hydrated and nourished is crucial after a BDSM session, especially if it has been physically engaging.

7. Communication Tools

Effective communication is key, even when it comes to BDSM props:

Consent Forms: For those diving deeper into BDSM, consider having a consent form that outlines what will occur during the scene. This can foster trust and clarity.

Notebooks for Reflection: Use a notebook to jot down thoughts, feelings, and preferences after your sessions. This reflection can guide future play and enhance both partners’ understanding of their desires.

✨ Join Me for More Adventures!

Are you excited to explore these BDSM props and enhance your experiences? I invite you to join my live camming sessions, where we can go deeper into the uses of these props, share tips and tricks, and create a community where everyone feels safe to explore their desires.

👉 Check my bio! 💖

[would-this-pokemon-be-a-friend]

Snom?

Snom! While there isn’t a wide breadth of data about this relatively recently discovered species, there is little indication that they would be a bad pet. On the contrary, so long as you are able to provide them with a fresh supply of snow, they are pretty easy to care for!

Like many bug-type pokémon, snoms are a great size for a house pet. While the body of a happy and healthy snom is constantly coated in spikes made of ice (Shield), these spikes don’t appear to make handling them dangerous as they are rather dull. That being said, I hope any potential snom adopters don’t mind the cold! You might want to wear mittens when handling this species.

Snom care is not exceptionally difficult, but in most peoples’ contexts it may take a hefty initial investment. You see, snoms’ diets are made up primarily by snow that they scavenge off of the ground in frigid environments (Shield, Scarlet). Snoms can be picky about the snow they consume, preferring freshly fallen and pure snow (Scarlet). As a snom owner, there are two main ways you can provide your pet with this much-needed food. First and foremost, if you live somewhere where it snows regularly all-year, you could easily allow your snom to graze on snow outside (under supervision for their safety of course). If, like most people, you don’t live in such a place, a snow machine or even a shaved ice machine may suffice. I would consult with a veterinarian about what consistency of snow is best for snoms, but their main food source essentially being water makes their ease of care pretty great in the long run. Like mentioned earlier, their icy coating of spikes is a great health indicator: the bigger the spikes, the better feed the snom (Shield). As far as housing needs, there isn’t much of an indication about whether or not snoms need to live in places that are generally cold. They like to sleep in tree branches by suspending themselves in the air with sticky thread (Sword), so I would recommend providing your snom with lot of places to climb and rest, but so long as they are provided with sufficient snow to eat they should be okay. You’ll likely need to create a waterproofed eating spot for your snom, perhaps with a tarp, if you intend to feed them inside.

Snoms use the snow they eat for more than just subsistence: using specialize internal organs, snoms can extract frigid energy from the snow they consume and use it for self-defense (Violet). Their icy coat, generated from the snow they consume, acts as a disguise when they sleep, making them appear like an icicle (Sword, Violet). They can also use this energy to use the move Powder Snow to fend of predators, a mid-power move that has a 10% chance of freezing a target solid. This is by no means a harmless move, but it is the only threatening move that snoms know instinctually, so it doesn’t do much to harm their overall score. Generally, snoms aren’t that dangerous, let alone aggressive. As far as ice-types go, that makes them a great beginner pet.

As long as you have the means to provide your snom with a consistent supply of snow, they would be a reasonably easy pet to care for. They’re also pretty cute!

[mookymilksims]

ULTIMATE Realistic Money overhaul | Roleplay Guide | The sims 3

TYSM for 600+ subscribers on Youtube!

Introduction:

Hello everyone and welcome back to my channel! In today's video I'm going to show you how to overhaul the sims 3 economy, how to have complete control over your billing system, and how to have a more realistic money exchange mechanic! We will also be exploring how to go about a much more realistic renting/mortgage system. This guide has been a long time coming, it's very simple and beginner friendly, but to find all the mods it would take to set this up would be a pain for anyone trying to revamp their sims economy. I've playtested this mod setup for a couple of years, and I can never go back to the original EA economy and billing system. All of these mods work with each other in a synergy circle, they compliment, play off of, and enhance one another. All links will be included in my tumblr guide, and the comment leading to my tumblr guide will be pinned in the comments below. I recommend following alongside the guide and the video, especially if you do not speak english, so you can translate the guide to your native language, while still being able to follow along the video! If I am talking too slowly for you I highly recommend everyone to increase the video speed to x2, and slow it down at certain parts you need extra focus on. Don't worry, I won't be offended at all by this, I do it myself for tutorial videos.

First - Overhaul the sims economy.

No bills

First we need to get rid of the EA billing system. This is because we are going to add new mods that introduce much more realistic billing and rental mechanics. This also eliminates some core issues with the EA billing system. Such as having a large piece of land, but a tiny house, and your bills being upwards of 40k every couple of days. Utilities not being calculated properly. And being billed more because of your more expensive items on your lot. Since we are also overhauling the sims economy, the original EA calculations wouldn't make any sense anymore.

EVM Career Wages

This mod adds a much more realistic financial wage system. Since we have now removed EA bills, our sims wages need to be able to reflect the more realistic economy we are going for. Gone are the days of every Sim earning a fortune with a mere $45 per hour entry-level job. This mod adjusts the wages across all career levels to align with real-world standards, creating a more immersive gameplay experience.

With EVM Career Wages, climbing the career ladder feels genuinely rewarding as higher pay accompanies each promotion. This encourages players to strive for advancement and invest in their Sims' professional growth. Additionally, when paired with the UC mod, promotions become more challenging to attain, placing greater emphasis on the player's decisions and strategic gameplay.

Camo fairer priced groceries and books

Camo tweaked goods

Revamped Economy Essentials:

With Camo's Fairer Priced Groceries and Books alongside Camo's Tweaked Goods, the Sims 3 economy undergoes a significant transformation. These combined mods slash the prices of commonly purchased items, bringing a newfound sense of realism to the game. No longer will a single egg set you back $11; now, it's a mere $2, making grocery shopping a more authentic experience. The same principle applies to book prices, ensuring that essential items are now more affordable for Sims across the board.

This overhaul becomes even more impactful when paired with the Savvier Seller mod, which ensures that prices are not only reasonable for your household but also for the entire neighborhood. This adds a more balanced and lifelike economy, where every Sim can afford the necessities without breaking the bank.

taxi charge

simsmathew subway charger

Realistic Transportation Fees:

Combining the Taxi Charge and Simsmathew Subway Charger mods introduces a new level of realism to transportation in The Sims 3. Each time your Sims opt for a taxi ride or subway journey, they'll incur a small fee. This adds a layer of financial consideration, prompting players to rethink their Sims' commuting habits.

Immersive roleplaying opportunities emerge as players strategize the best way to navigate their Sims from point A to point B. Whether it's opting for eco-friendly methods like walking or biking, or planning a journey that involves a mix of walking and subway rides, every choice impacts your Sims' budget and experience.

This deeper level of engagement allows players to connect with their Sims on a more personal level, experiencing the journey alongside them and enjoying the rich scenery and interactions along the way. Now you'll be pushed to experience y

Ani tax collector

New Billing System:

The tax collector mod essentially allows you to create your own billing and taxing system. This mod introduces a scripted computer interface with customizable settings, allowing players to seamlessly implement various taxes and fees. From water and electricity bills to health insurance premiums and car payments, Sims will autonomously be directed to settle these financial obligations once the tax settings are activated.

For an added layer of realism and roleplay, consider situating these computers at opened rabbithole like the city hall. This not only streamlines your Sim's outing tasks but also enriches the gameplay experience, allowing players to engage in more dynamic and immersive storytelling.

I'm going to go in game and show you how I achieve this effect for a very quick and easy tutorial.

So because we turned off the EA billing system, we need to create our own bills, to still simulate having to lose money through our gameplay. You can place these new tax computers on an opened city hall rh lot (if you don't care for aesthetic then I recommend placing these in the basement), or another community lot altogether. Please note that if you place these computers on a cityhall RH lot, and you enable UC mod on that lot, you should lock the doors leading to the tax computers. This is because with SonyaJu's UC version, the sims working on the lot will be pushed to use the computers which will result in all of your sims being sent to pay their taxes throughout the day. You can lock community doors using Nraas Go Here, or nona lock community doors mod as an alternative.

Now that we have set up our computers, you click the settings and rename the computer. Rename this to any bill you want to pay. Here I am setting up a, Water, Electric, Phone bill, Car note, and Car insurance computer. Now I can click on tax collector > settings > edit multiplier.

Water = 0.8

Electric = 0.4

Phone - 0.2

Car note = 0.5

Car insurance = 0.6

these multipliers automatically calculate what you currently have available in your sims household funds, and deducts the "tax" based off of the multiplier. This adds a more logical calculations to what each individual household could actually afford, without being too overbearing on your funds loss. This make a much more realistic and immersive billing system actually possible in the game, that fixes a lot of the issues with EA billing system, and matches the new sims economy we have created with this combination of mods.

Which leads me to my next part. I pay all of these bills monthly in my game. This adds a much more immersive and realistic experience, and I even have to keep an eye on my sims budget throughout the month, like in real life. Sometimes, I may have to sell things or find any way to make extra money to pay my new bills, or pick which bill I have to pay if I can't afford them all. I give myself consequences if I can't afford certain things. When I show you how to use the new renting system, I'll even roleplay getting evicted as a consequence if I can't afford my rent.

Enhancement Miscellaneous Mods:

The collection of these next mods serve to either rectify the Sims economy hiccups or introduce a fresh layer of roleplay, prompting players to reassess their spending habits and EP career choices.

Some of these mods make purchasing certain items actually reusable like bubble bath products and painting supplies. While others make certain careers have higher payouts which makes the wages for that career make more sense and become more satisfying so you'd actually want to work at it. This also enhances rags-to-riches playthroughs, rendering them more intricate and gratifying.

For instance, with these mods combined, the necessity for pets to rely on manually refilled food bowls instead of random props elevates pet care to a level akin to caring for a toddler. This makes having a pet a lot more impactful in your household, as well as financially.

In general, all of these mods balance back out certain EA default settings, which slowly begins to push together a more and more realistic economy.

I will place the mods you want to add on the screen, and all the links will be provided in the tumblr guide.

speedo higher concert payouts

picnicbasketpricechange

bubble bath runs out

pet bowl needs food

Nona always more gigs 3 times money

wildflowernerf per value

Double money highchancs faster mooch skill

painting needs supplies

painting costs money

government benefits and service

This mod is tailored to amplify the immersive experience of playing as lower-income households in The Sims 3. This mod introduces a plethora of meticulously scripted game mechanics designed to add depth and realism to the struggles and triumphs of impoverished Sims.

One standout feature is the ability to establish child support payments, calculated with precision based on the target parent's income. This introduces a compelling dynamic for players who wish to roleplay scenarios involving relationships with wealthier partners, where child support checks become a lifeline for sustaining the family's livelihood, as an example.

Furthermore, Sims can now apply for various forms of assistance such as health insurance and Electronic Benefit Transfer (EBT), opening up new avenues for navigating the challenges of financial hardship within the game. These additions inject a newfound sense of complexity and realism into rags-to-riches playthroughs, providing players with additional gameplay mechanics to consider and explore. You'll find yourself embarking on a journey of resilience and resourcefulness as you guide your Sims through the highs and lows of economic adversity in the game.

If you are following my guide step by step consider applying these tweaks to the xml's.

As an added note, I no longer add a health insurance tax collector computer, as with MonocoDoll's new GA mod poorer sims can get affordable health care, and sims who do not qualify for this have a good job where I imagine the job offers it's own health insurance instead. So because of this new mod addition, this eliminates the need to set up health insurance payments for my households.

Second - Career's addon's

Gamefreak's check for work

job overhaul

lemonaise 50 jobs offer

These mods revolutionizes the Sims' job acquisition process, enhancing realism and depth. This also enhances the effectiveness of attending university. Without a degree, Sims may struggle to secure certain jobs and will always start at entry level.

The mod introduces a comprehensive interview and application process, typically lasting about an hour in-game, during which Sims disappear into the rabbit hole. Sims can attend resume building and interview classes to improve their chances of employment, mimicking real-life strategies. Uploading a resume, particularly a University Life degree, significantly boosts job prospects.

Maintaining cleanliness, hunger, and a positive mood is crucial as neglecting these factors decreases the likelihood of job offers. The "check for work" option allows Sims to scout for job openings beyond the replaced job hunting UI.

Lemonaise's 50 Jobs Offer expands job opportunities, reflecting the realistic scenario where obtaining desired employment may require starting elsewhere. Just as in real life, a degree does not guarantee the desired job immediately, necessitating patience and flexibility in career pursuits.

This mod combination adds layers of realism and challenges, making Sims' lives more expansive and rewarding. Achieving dream jobs becomes a testament to perseverance and hard work, enhancing the sense of accomplishment for players.

Ani's job board

Ani's Job Board introduces a WA-inspired board object that fills the gap left by missing opportunities in UC mod. With UC's scripted behaviors for work, some autonomous opportunities were removed. However, this mod remedies the situation by providing Sims with a platform to browse and undertake additional work and school opportunities. Now, players have the autonomy to choose whether to pursue these extra projects, adding depth and flexibility to their Sims' lives.

Nraas Careers

Nraas Careers is a mod that expands the possibilities for Sims by enabling custom careers and establishing a homeworld university. While the details of setting up a homeworld university can be explored in another video, this guide focuses on how this mod integrates custom career opportunities with UC. With Nraas Careers, players can seamlessly bind custom careers to EA careers, unlocking a wealth of new professional paths for their Sims within the game. What this means in basic terms, is that UC works by adding a number of objects sims use on a lot, to increase their work/school performance. If you are playing as a custom career, UC won't know which objects can increase that careers performance if the career hasn't been bonded to an EA career.

Sonja's UC

Sonja's UC is an enhanced iteration of Zerbu's UC mod, designed to optimize the original mod's scripting for improved performance and stability. While still a work in progress and subject to occasional issues, this update enhances the main features of the mod, resulting in faster and smoother gameplay. Sims now spend less time deliberating their actions, experience reduced lag before heading to work, and are not as rigidly constrained to complete tasks. Instead, they are encouraged to take breaks and socialize, mirroring real workplace dynamics.

Although ongoing testing is underway, I recommend trying out this version as it also introduces additional modded script objects to careers. Setting up the mod in-game is straightforward and can be easily demonstrated.

zoeoe flower arranging

knitting

pheobejaysims take sims to court

pheobejaysims betting

On the Screen, will be a selection of miscellaneous mods that enrich your gameplay experience by introducing custom playable careers and intricately scripted mechanics.

With these mods, you can immerse yourself in diverse professions such as modeling, flower arranging, or managing a home-based Etsy-style knitting business. Additionally, you have the opportunity to delve into the legal world as an attorney or explore the unique avenue of earning money through litigation against other Sims and establishments.

For those inclined towards risk and excitement, Phoebejaysims' Betting mod allows for a full-time gambling lifestyle, leveraging specific store objects to enhance the thrill of the game.

These mods significantly expand the scope of gameplay possibilities, offering players a plethora of new career paths and immersive money mechanics to explore and enjoy.

Third - Biggest gameplay changes and fixes

Bank mod

Otherwise known as the non-core global banking mod, this mod is a game-changer in how you manage money in The Sims. This mod allows you to establish a bank account for your Sims, complete with essential banking functionalities like deposits, withdrawals, and money transfers.

I'll guide you through setting up a new renting and mortgage system in-game, offering alternative perspectives on cash handling, including household funds versus bank account funds. Additionally, I'll show you how to separate all Sims' incomes and present an edited version where the bank account resembles a debit card in your Sims' inventory.

Let's dive into these transformative features that will revolutionize your Sims' financial management experience.

How to make a bank account.

Simply click on a computer, whether on your home lot or community lot. Navigate to online banking interaction > Open Account. $25 will be deducated automatically, and you will have a new bank account in your sims inventory.

How to create a landlord.

Simply select any sim you would like to be your new landlord. Using Nraas MC > Make Active, you can then open a bank account for the selected sim you've chosen to be your landlord.

How to pay rent.

Once the bank account has been sucessfully opened you can go back to your original active household. Then select the bank account in your sims inventory > Transfers, if you are friends with the landlord then select "Sims you know", if you are not friends with them then select "in your neighborhood". Navigate the list to find your new landlord, then send them your rent or mortgage for the month.

How to separate income.

Using this banking system I separate my sims money by having their bank account as their debit card and their household funds as their cash on hand. I typically, split up the funds reasonably between everyone's bank account in the household. This leaves $0 in the household funds. Once a sim is done with their work day, the exact amount of money they made for the day will go straight into your household funds. From there, I deposit that money into their bank account. It only takes a couple of seconds and is very simple.

As an added note, when sending the sims out and about in the world, I'll need the money from their account in the household funds so that they are able to spend money. So I quickly withdraw a random amount of money I think they will need for the outing, allowing them to actually buy what they want from the community lots. For extra immersion, consider adding a deco ATM machine, to simulate where your sims would be withdrawing their money from.

Just as promised, I told you how I would roleplay an eviction process, using this new renting system. If my sims cannot pay the rent, and they ask their landlord to an outing, if the landlord does not have a good time then I only get 1 sim month to leave the home or pay rent for both months. If the landlord does have a good time, then I imagine they allowed me to skip my rent payment for that month. If I still don't have rent money by the end of the month, I move my sim to a 10x10 empty lot somewhere in the world, and have my sim live out of a tent, or shady motel (set as a base camp), until I can afford to move into another home. If I choose to live in a motel, while the base camps are free to stay in, I create a custom role titled "Motel front desk", open that sim a bank account, and then pay them $100 weekly, while this is still a payment it is much cheaper than my sims rent that we couldn't afford, and still allows me to roleplay money being lost. If I don't have to be completely homeless then I won't, if I have $0, then I will.

nraas consigner

nraas register

Nraas Consigner and Nraas Register are essential mods that address the shortcomings of the register systems in the base game. Consigner enhances gameplay by introducing the option to make all items consignable, simulating a realistic thrift store or pawn shop experience. Meanwhile, Register adds extra checks to ensure Sims are correctly assigned, along with providing additional population controls beyond the capabilities of Story Progression. Whether or not you utilize other mods, these fixes are indispensable for enhancing your gameplay experience.

Exciting Update Alert!

@olomaya on Tumblr is currently developing an innovative new renting system for the game, which promises to offer Simmers a wide array of options for money roleplaying. This upcoming system represents a significant evolution in gameplay mechanics, potentially replacing older systems and providing fresh opportunities for immersive financial management.

Stay tuned for a comprehensive guide on this mod, which will delve into its functionalities, compatibility considerations, and potential replacements for older mechanics. Until this mod is developed, playtested, and released, I'll be using this system that I have set up and just showed you guys in this video!

So this concludes everything that I wanted to show you guys! You now know how to set up a more realistic billing system. Renting/mortgage system. You've learned how to add and roleplay more complex money gaming mechanics. You've overhauled your wage system, as well as your cost of living economy in the world. And none of these are too overbearing, with just a little bit of set up, you'll have an ultimate realistic economy and money system in your sims 3 from now on! Thank you all for joining me, thank you for 600 subscribers, and thank you for your love and support! I'll see you all in the next video!

[mmmelahii]

Mel audiodrama rec list!

I'm gay sad and picky, read into that how you may - in no real order - heed each show's TWs

RED VALLEY!! LOVE THIS SHOW TO DEATH. Great beginner audiodrama, such excellent audio and writing and chemistry and woayfhhtm. Cried a lot. A good amount of existential dread. Ough

Woe.begone: lots of wbg brainrot as of late. Genuinely the most scary podcast ever to me - but only if you think about it. Don't get too attached to the ARG format of the first season. Its long, a mind fuck, and not for everyone. It took me 2 tries over a year and a half to lock in properly. Best consumed in a binge as to keep the plot threads fresh in mind. Great discord server <3 cried a lot too

The Grotto: Wbg has great music but Grottos hits different. It makes me want to teeth. I adore the writing personally, but be OK with your pov character sort of being a toxic person. He's trying he really is. This show portrays nuances of grief and mental health issues so well imo. Also great discord server <3

The Kingmaker Histories: Very very charming writing and world building. The world building is alternate history in a way that the fantastical elements occur to you naturalistically as you listen. Lovely lovely cast. Self aware about its tropes and excellently uses em to their advantage. Acknowledges a lot of the darker facets of history in an almost satirical manner to its absolute benefit

The Bright Sessions: Was actually my first full audiodrama! Was obsessed with it for a while. A good comfort listen imo, it's character chemistry is definitely a strong suit; a very human look at fantastical people

Fawx & Stallion: Narm-y but so genuinely charming. I absolutely love the casting choices, I think they're all so perfect for the characters. I'd almost call it a satire played straight, where the main characters behave in nearly caricature levels of eccentricity, but their consequences are shockingly grounded. It's pleasant! Can't wait for the next season

Ethics Town: I'm a philosophy sociology student, legally cannot not recommend. It subverted my expectations for what the format of the story would be tbh! In a neutral way, it just took me by surprise the first time. The world building is very fun and relatively unique, it gets you attached in a way that can really make your stomach drop

The Mistholme Museum of Mystery, Morbidity, and Mortality: SO GOOD AND SO SLEPT ON!! I loved this show so much, its one of those that leave you craving for something to hit you the same way it did. One of my favourite anthology shows, mainly because of how interlinked the over all plot is to all of it, all while keeping the stories so fresh and invigorating. Listen to it!!!

SCP: Find Us Alive: The characters and cast are excellent; and I like how strained and tense the relationships between them get! It's not necessarily comfortable to listen to, but it's investing and leaves you on edge just like the characters would be. I like their personal lives breaching the strict professionalism of their work gradually. No prior knowledge of SCP really necessary

Jar of Rebuke: Really poignant in the alienation it portrays. I love the way Jared experiences the world and himself; his understanding of his own gender, the way that his innate abilities don't correlate to those of others, the way that he never feels quite like he's saying the right thing, it's all such mfmfjdndmdm good show. Unfortunately audio does sometimes tick off my sensory issues

Neighborly: I LOVE GOTHIC HORROR SO MUCH OH MY GOD. I love the narrative structure and the domestic horror of this show. The ambiance and the dreamy story telling all excellent. The one issue I have is that listening to it with headphones REALLY fuck with my sensory issues :((

Blake Skye Private Eye: Really slept on imo! The exaggerated noir setting and pacing are great, unfortunately the audio leveling does mess with my sensory issues :( is someone willing to lend me a better auditory system

Shelterwood: As aforementioned I LOVE GOTHIC HORROR SO MUCH. THE SUBLIME. THE DOMESTIC SUSPENCE. LOVE THAT SHIT. I really love the sound design here. Characters are so so real. Love them. Can't wait for more

Keep it Steady: Fuck fuck fuck man. I cried most of the way through heart brockoken this is so good I love it cant wait for more.

Speed round for podcasts I like to throw on for light hearted (to me) quick, queer fluff

- Love and Luck

- Kaleidotrope

- The Two Princes

- The Lavender Tavern

- Tales from the Low City

- Monstrous Agonies