#but like you do still have to make payments at some point your mortgage doesn't just go away because your water heater explodes

[bee-a-ts]

this is such a niche, usa-based rant but I work at a credit union and I keep encountering people who have taken out a loan, have issues with what they purchased with that loan (in my case, usually solar panels), then decide they will not be paying the loan back because the product they purchased doesn't work. and it's like

I get it!! capitalism is hell and our financial landscape is broken!!! unfortunately you borrowing money from the bank has nothing to do with what you purchased not working and that does suck but you still have to pay your loan!!

i'm talking to these people who are six months past due not because they can't pay but bc they're mad at the solar company and i'm trying to explain if they don't make payments, the loan will have to be charged off and sent to collections and legal action will be taken at that time and they're like fine! take me to court! my product doesn't work! and I am on my knees begging to work with them because I know they have no legal standing and they are about to be ~very unhappy~ when they lose that court case because borrowing money has nothing to do with how you spent that money!!!!!

[inkfire-scribe]

Thoughts On Housing

This post will be very political, so if you don't want to engage with that content, please scroll on by. It's not worth the impact on your mental health/mood to read something that will make you angry.

Okay, is everyone that doesn't want to read this gone? You in the back, everything is good? Alright. Grab some snacks and settle in, folks, because I've been thinking about this a lot.

It's not a secret that there's been a "housing crisis" in the US for a hot minute, and anyone who's seriously gone house hunting in the last decade has felt the pinch of fear when finding a house they really love: "can I even afford this?" And renting isn't any better! The number of companies buying up properties to flip and rent or to use as short-term rentals with companies like Airbnb is impacting consumers' ability to find a place to live that won't lead them directly into bankruptcy. Home affordability is not great here in the US, to put it lightly.

Now that I've dumped all that information and all those links on you, let's get to the interesting part of this.

It doesn't have to be this way

A few months back, a friend of mine and I were talking about housing, and they threw out a suggestion with a "wouldn't it be nice, but it'll never happen" kind of tone. But that suggestion has stuck with me, because even if it would be a PITA to pass legislation for, I think it has the potential to actually improve life for a lot of people without forcing anyone to give up or struggle for basic necessities of life (you know, like... having a place to live).

It went like this:

First: eliminate property tax on Primary Residences. If you live in that house or on that property full-time (that is, more than 6 months out of the year) then you don't have to pay taxes on it. You already pay income tax, sales tax, and all sorts of other things, so the state of which you are a resident is already getting what you can afford to give them (and probably a little more) and property tax at that point isn't necessary.

Second: adjust property tax law to disincentivize owning multiple properties. This sounds odd, but bear with me. You don't pay property tax on your Primary Residence, but if you're rich enough to own multiple properties, you still can. There's no reason to criminalize owning more than one house. But charge property tax on each additional property owned by the same person. Anything that's not your Primary Residence will get dinged for taxes each year, and the higher the number of properties you own, the higher the percentage of taxes you're paying on those properties that aren't your Primary Residence. So someone that owns two houses (one for herself and one for her disabled father-in-law) would pay moderate property tax (in addition to mortgage payments on both houses) but it would be manageable, where a person or business that owns 20 houses and rents them out would be saddled with a much higher property tax on all properties not qualified as a Primary Residence.

Third: incentivize the obscenely rich to distribute wealth rather than hoarding it for themselves. What if, just as an example, we were to create a governmental agency in charge of affordable housing? Oh look at that, we already have one. How handy. Now let's say that HUD were to perhaps offer a program, through which the wealthy could (either independently or through a company) get tax credit or some other motivating reward for purchasing housing and donating it to the agency. Let's pretend for a minute that the rich are told "look, if you give housing to the poor, we'll reward you in a meaningful way" and that they like the reward enough that they do the thing we want them to - and what we want is for them to release the housing that's locked up behind unsustainable price tags to the people that need it most.

Despite how simple this sounds (and it does sound almost absurdly straightforward) it would be almost impossible to get past Congress for one really important reason:

Congress is full of the rich fucks that benefit most from the way real estate currently works.

We deserve decent, affordable places to live.

We deserve jobs that don't overwork us into illness and depression.

We deserve drinkable water and the infrastructure to maintain that.

We deserve reliable access to healthcare through informed consent.

Housing is not a luxury. It's a basic human right.

[hibewriter]

je te vuex

Masterlist   Read it on AO3 Chapters: 1 2 3 Discontinued

This fic was discontinued because it was meant to be a gift for a friend who is no longer a friend because they are a zionist.

Shadow &. Bone | Darklina | 12.9K (total) | M 

Tags: Underage | Underage Drinking | Masturbation | BF's Brother Trope

Chapter 2

When summer starts it's easy to feel excited. It's easy to think of days by the pool and lounge snacks while stealing alcohol from your parents' cabinets. But then nearly a month goes by, and you begin to wonder if one could die from doing the same thing every day with little variation.

Or at least, that's how Alina sees it.

It's not that she doesn't love Genya. There was just something about making that same trek. Taking the same turns. Getting lost in the same sea of faces. Only to sit in the same pool lounger discussing the same people who are doing the same thing. Still, what else was she to do? It was easier to get up and put on some band tee and knee-length shorts, then bound out of the door to the brownstone into the city before her mother or stepfather could tell her no. Or worse, try to speak to her.

Nothing ever stays the same, however. Today was different. The second she stepped out of the converted brownstone, there was a car she recognized all too well, idling at the curb. Maybe she should've paused or backed to the safety of her home, but even with the roof up, she could still see the vibrant auburn cascading down the driver's shoulder.

"I was just about to start walking over," she said as she slid into the passenger seat of the car. Genya smiled, eyes hidden by a pair of designer sunglasses that probably cost more than Alina's mother's monthly mortgage payment.

"No need," her friend said, thrusting the car into drive. "We're going downtown today."

(Note. It was not unheard of to venture into Downtown Os Alta. In fact, like most cities, the downtown area was a natural center for activity, with good food, better drinks, and even more shopping, It was, however, uncommon for these two friends to abruptly decide to go.)

"I don't have my —"

"Don't worry about it, Lina."

They drove for another twenty minutes, the congestion of the city's daytime traffic more of a hindrance than an aide. Still, the girls managed to laugh. They giggled at street performers in bustling chrome paint and suits who pretended that they didn't know the definition of a heat wave while staying in ridiculous poses. Or they outright laughed at boys in neighboring cars who happened to notice they were close to two women enjoying their day. And then they pulled into a parking garage that anyone could spot a mile away, and the laughter died on Alina's lips.

"No," she said immediately, looking up at the bold, dark letters above them.

"Yes," Genya said, not a care in the world as she pulled into the valet half-circle. She sighed as if she thought for a moment and came to a realization. "Listen, Lina, you were miserable last year."

"I was not miser—"

"Lina, I love you, but you were. And like, I know he-who-must-not-be-named did a number on you with the breakup, but this is our senior year!" Genya spoke with the authority of someone who'd experienced it all before. A symptom of having a brother eight years her senior, as observation gave way to confidence. After all, she'd watched countless others cross Saint Ilya's stage at the end of each year. So in a way, she'd been waiting, watching, learning, and planning the exact way she wanted her senior year to go since she was in the fifth grade.

"I know you think you're fine, but you can't spend senior year wearing the same worn hoodie and glaring at him from across the cafeteria. Don't look at me like that. You're gonna look hot as fuck, we're gonna laugh and drink and go to parties and try not to cry come May when you say you're going to UR instead of RavU. And I'll fail because you're my best friend and there's no point without you there. But we'll pretend to be happy because you won't let me pay for you and I will have a meltdown if you don't let me take you inside for some serious retail therapy."

Genya seemed breathless at the end of her speech. For a moment, all Alina could do was stare. She was dumbstruck at the sudden outburst of emotion. That is until the shrill bleat of a horn took the both of them from their stupor. Genya pulls up to the valet and the decision is made.

_________

"Miss Safin, welcome back," the attendant at the door stated. "And a lovely welcome to your friend, Miss —?"

"Starkov," Genya stated. She moved with the confidence of someone who owned the place. Each wall was painted a soft creme color, bronzed detailing accenting the thin shelves holding various accessories of insurmountable quality. "We'll be upstairs, Marcus. The normal suite."

She paused. Her fingers deftly picked at a scarf just lying loosely in a carefully manicured display.

"Can you bring me the variations of this? Oh, and your entire streetwear collection size fourteen and up."

The attendant paused, casting a furtive glance at Alina. She felt, more than saw, the way he appraised her form. His judgment was nearly palpable, obvious in the scrunching of his face. It was easier to ignore than to grow angry or embarrassed. She wore a perfectly normal size, and yet he looked at her as if she'd grown a second head.

"And Marcus," Genya said, barely casting a glance in either of their direction as she made her way to the floating staircase. "If you're going to look at my friend like that, I'd like to speak to The Madame in searching for a different attendant. Let's go, Lina."

_________

Their room is more akin to a hotel living room than a dressing room. There was a plush couch, deep mahogany legs, and the softest of fabrics available, set with a matching floor table and state-of-the-art low-pile rug. They had a waiting tray on the low table, a freshly opened bottle of champagne waiting in ice surrounded by fresh fruits and cheeses.

When they stepped inside Alina couldn't help but gasp, taking in the neat shelves of expensive footwear and jewelry on display. All the while Genya plopped onto the couch, taking a small blackberry in between perfectly manicured nails to plop into her waiting mouth.

"No wonder you enjoy shopping so much," Alina muttered as she walked the display shelves, marveling at the priceless items. Each item lacked a label, just perched precariously under spotlights waiting to accept any and all judgment. Genya laughed and poured the champagne into both glasses.

"We can cancel this and go to the mall," she suggested. Alina turned on her heel, a grin already creeping on her face as she approached her friend.

"Don't you dare," she said as she threw herself onto the couch next to her friend. She reached for the tray, ready to savor the raspberries on her tongue.

They were giggling with each other when the attendant came into the room, wheeling a rack of clothing with various pieces. The two watched with rapt attention as he pulled the clothes to the only bare wall. She cocked her head with a smile, noting that he refused to look at her again as he gave a short bow. There was a short murmur of leave on his lips as he moved to exit.

There was a pause as he left the room, both girls staring at his retreating form. He was barely two steps out the door, the large oak slammed shut behind him before the two fell into a fit of giggles.

The first outfit is barely on Alina's body when the first sigh comes. Which, in a grand scheme kind of way, is irrelevant. But still, the sound dug under Alina's skin like a summer camp bully. They forced her attention, even when they weren't directed toward her. Even though they were always directed toward her.

The first sigh was inconsequential – something that could've been excused by Genya's shifting body. The second, aligning with Alina's third outfit, was less subtle. It was exaggerated not only by its size but the strong and unsubtle way her friend swung her whole body to flop, checking her phone. The third and fourth were different only in volume, growing louder still. It increased until the time the seventh came it was impossible to ignore. Easily a demand for attention.

"Something on your mind?" Alina asked, placing a baggy shirt with an obscure brand's bold lettering back onto the hanger hook.

"Ya know, I'm glad you asked," Genya said, suddenly alert and cheerful as she swung back again into a sitting position.

"See," she hedged, hands beginning to play with the ends of her hair. "I just think that maybe...well you know how we're shopping?"

Alina levies her friend with a blank stare, holding a simple white tee and jean skirt to her frame.

"Well," Genya continues. She slides to the edge of the couch as if leaning in for a whisper. "Maybe we should do a test run? Tonight?"

It was Alina's turn to sigh, a million reasons to frown flowed through her mind as she looked at her friend.

"Did you already say yes to whatever this is?" She asked, shimmying her shorts off her legs so she could pull the small skirt up her legs.

"Absolutely I did." Genya was the definition of nonplussed as she leaned forward to refill her champagne. "Even told Zo you were my plus one."

"And it's Zoya?!" Alina huffed as she got the skirt over her hips, ignoring the brand insignia at the edge of her thigh. "Could you not have just stabbed me?"

"It'll be fine. I'll throw my drink at her myself if something happens."

Trying to fight Genya when her mind was made up was nearly impossible. They'd go whether Alina wanted to or not, a favor already cemented in their long-running tab of back and forth of IOU gestures.

"And you look hot in that skirt. Wear it." The redhead said, leaning back into the couch, a lot less distressed than the moments prior. A woman who already knew she'd won.

Alina rolled her eyes, turning back to the mirror to appraise her appearance for herself. The skirt did look good on her, she had to admit. Even though it was shorter than normal. What was the harm in going out tonight, if they'd plan to go out all the time once school started? It was, after all, just one night.

_________

"We could always just go home." All of her bravery had disappeared as she stared at the highrise in front of them.

Genya looked at her with a disapproving glare. Her overly large purse already held two bottles of vodka and her heels didn't seem like they would last the night.

"We're not going home," she said, adjusting the strap of her bag. "In fact, we're going into the lobby of this very nice building, taking the elevator up to Zo's apartment, and thank her for inviting both of us."

"But –"

"No buts! It's a party. We're going to have fun. Possibly get shit-faced."

Alina sighed, staring at the sleek surface of the apartment building. She takes in the way the sun reflects off the windows as it sinks, casting the entire building in a soft, almost iridescent glow. It wasn't a haunted house or a medieval castle. It was just a building with a hundred and twenty floors and an all-glass facade. So why did she feel so nervous?

_________

The elevator was quiet. She shifted from foot to foot, wondering if when they got to the top she'd be faced with the same ridicule as freshman year, only this time worse.

_________

(This is a perfect opportunity to explain Alina's relationship with Zoya Nazalynsky. She first met the dark-haired girl on her first day of freshman year, in her Advanced World History class. Zoya had been sitting in the back corner of the classroom, equally as early as Alina, yet unequally as interested as preparing for the class ahead.

As much as Alina had hoped that the girl didn't notice her – a fear of being new and a scholarship holding her captive in a way that she'd only recently begun to get over – she did. Especially when Aleksander had caused the cheeks on her face to turn a splotchy pink with his attack on her notebook. There was no relief when Alina could feel her staring at the back of her head. The girl behind her was sizing her up, measuring herself against her like a snake preparing for its meal. Searching for ways to swallow her whole.

Which she did, later. When the bell rang and the class had emptied, Alina only felt better because of the kind redhead who'd sat next to her and complimented her stickers, telling her to ignore their professor because he was just trying to psyche her out. The relief became short-lived when Zoya passed her desk on the way out of the classroom, making a show of squeezing by Alina's desk. She'd slapped her hand on top of the yet-to-be-put-away textbook, Alina having utilized the inside flap to write the week's reading.

"Oh, sorry!" Zoya said, sickly saccharine sweet as she could be, before leaning in. Her voice was barely above a whisper so that Professor Morozov wouldn't hear. "I didn't realize they let chubby kids in here. Guess we'll have to widen the aisles." Humiliation had swum up again, forcing Alina to avert her eyes, away from the bully's face. There was no crueler Saint than the one that placed Alina in Zoya Nazalynsky's path.)

_________

The same feeling of a crushing weight in her chest came to her now, staring at the expanse of stainless steel the higher they climbed. There wouldn't be a quick escape if this were all another plan to humiliate her. She'd have to turn around and pray that the elevator didn't already go to another floor. All while she waited for those doors to open again while people laughed and jeered at her. All because –

Ding.

The doors opened to reveal the first floor of the two-story penthouse. Music instantly flooded their ears as party-goers ground against each other in the living room – the blaring beats swirling in their ears as they moved their hips in the rhythmic simulation of overt acts. She bit her lip as they stepped into the throng, Genya leading her by hand as they traversed past the bulk of bodies in their way.

With the expertise of someone who'd been here often, her friend led her into the kitchen. Hundreds of red Solo cups lined the edge of the huge marble island, bottles of various liquors in varying states of depletion filling the rest of the space like a miniature city. It was easy to admire the work that went into the arrangement. The bottles on stands and the cups were a key wall – saviors of the inevitable breakage of glass that was soon to follow the rowdy kids in the next room.

She barely notices the drink Genya places in her hand, sipping on whatever concoction she made to mask the burning torch of alcohol. It was sweet, different fruity flavors swirling on her tongue while Genya texted away, nails clicking hastily on her screen.

She was being dragged again, her anxiety less present now that she had alcohol in her system and the immediate fear of humiliation had abated. They went up the stairs – a fancy floating feature with coiled metal braids that appeared to hold the whole thing to the ceiling. Futuristic and terrifying all the same. She was barely able to recognize she was on the stairs before she was off them, a distant thought as her friend tugged her through the crowded landing into a closed room.

_________

It's like those scenes in movies.

Where the main character walks into a room and everything just freezes. The noise gets drowned out. There's a ringing in her ears and her eyes see red because she'd been doing so well at avoiding him.

From the look on Genya's face, he wasn't supposed to be here. He's not supposed to be anywhere near her. But apparently, that memo was missed. The second they crossed into the large den, the woman of the hour was front and center, turning to greet them with a large smile.

"Oh my god!" Zoya squealed with faux joy. She was on them in an instant, crossing the room with the speed of a track star. Alina stood frozen as she pulled them close as if the three had been best friends for the past three years, and not like her invitation was a courtesy extended because her mother sat on the same charity board as Genya's mother.

"I'm so glad you made it," she exclaimed, ignorant of their proximity in favor of speaking over the deafening music in the room. "We were just about to get this party started!" The two girls exchanged a glance, nerves finally settling in for the both of them.

Just what had they gotten themselves into?

[doberbutts]

i might be mixing you up with someone else i follow, but didn’t you just buy a house?? i want to but Don’t Know How, and was wondering how i go about getting pre approved. i have a couple credit unions/mortgage companies i can call, but like what do i say? “yes hello can i please have a note saying you’ll give me money if i need it?”

I am currently in the process of buying a house. At this point there's like 3 more things that need to happen and then I close on the house, sign the paperwork, get the keys, and I'm golden.

In order to get pre-approved if you have never bought a house before I would also wager you likely don't have 20% of total cost of the house PLUS closing costs saved up, as that'd be somewhere around 30k USD for a house costing 100k USD and that is considered fairly cheap in my area. This is what stops a lot of potential first time home buyers because unless we have wealthy parents or super well paying jobs, almost no one in my age bracket and earlier has this.

Luckily there are multiple solutions formed by the government to help you with this. First is FHA, which I'm using to buy my house. This allows someone with a decentish credit score to put down only 3.5% of the cost of the house (so, that down payment is 3.5k USD plus closing which would be somewhere around $7k USD total for that 100k USD house by comparison). You only qualify for it if you are a first time home buyer so since you have never bought a home before, provided your credit is alright this option is available to you. FHA does have a longer process because it requires a state-approved appraisal that YOU get to pay for, and the appraisal can fail a house for a number of reasons as it's intended to verify the house is relatively safe and intact to live in. Peeling paint, broken windows, and wires not safely grounded in the basement are common points of failure, but a house will also fail FHA if it has any major mechanical or structural issues such as a leaking roof, a bad foundation, plumbing or electrical issues, etc. It's somewhat annoying but it's meant to protect you as these problems can range from easily fixed with a 50USD part to a major health and safety concern with your house crumbling down around you while you're still on the hook to pay off that loan.

Most states have assistance for people with lower income to purchase their first house. The house must still pass FHA standards but states with these programs will also sometimes straight up give you or loan you the down payment and closing costs if you give them a nominal amount of money. Here in this state, it's 1k for that type of assistance. Unfortunately due to the way income works in this state, despite me making over the required amount because I make it in commission and tips it doesn't 'count' towards income to be weighed against the cost of the house. Super annoying because I pay taxes on that income regardless of if it 'counts' but whatever. So this option was not available to me but may still be for you. My state tacks the amount you're short onto your mortgage loan, so technically you're just saving up 1k USD to get your house. As said there are income limits with this and stricter credit limits but it can be a lifesaver if you qualify for it.

There are also programs through the USDA for development of agricultural land if rural is more your thing. I had considered this but income limits seemed very strict and I didn't want to fuss with it. Certain USDA programs allow you to qualify for a mortgage putting NOTHING down on the house, while others it's a significantly lower amount than the average, so if you like agriculture I would look into that but I don't have much experience with it myself because it didn't seem feasible for me. Some programs require you to have an 'income generating farm' so if you want to live out your cottagecore dream that's a nice foot in the door, others just want rural land to continue to be lived on and maintained so if you just want to live out in the sticks somewhere (me me me me me) then that's what you're looking for.

Overall my advice is to figure out which, if any, of these programs can be applicable to you and look into them. If you decide on one, then you must find banks that work with these types of loans (they MUST be certified to do so, if they are not they cannot help you and an honest bank should be able to tell you yes or no). From there be prepared to give them a shitton of paperwork proving residency, income, employment, debt, etc because they look into eeeeeeeverything. In the mean time clean up your credit as much as you can and try to lower your debt amounts if possible as income-to-debt ratio is killer with this stuff.

Good luck! It's a bad market for buyers right now but it's doable!

[missmentelle]

Hi! I stumbled into your blog and it's amazing! I have so many questions. I will apologize now for it. Husband and wife of 20 years. All of a sudden keeps money and doesn't share it with his wife after they agreed that she wouldn't work. And because he has ADHD (diagnosed and doesn't like taking his meds) she has to remind him to pay the same bills EVERY month? Now she has a car payment because her car broke down, he asks her every month if he needs to pay her car payment. What to tell her?

Same "question" anon. They have 4 children, she does all the house work cooking and parenting. All appointments, school stuff and homework. She did that even when she had the job. He's inconsistent with helping her with ANYTHING so she just got tired of begging and nagging.He spends more time on his phone than he does sleeping. You can tell its taking a tole on her mental state. The problem is he genuinely seems to love her and the kids. They have gone to therapy a few times. Is this abuse?

Well, it’s certainly not a good situation, I can tell you that.

Whether the financial stuff qualifies as abuse really depends on the specifics of their situation. Withholding access to finances can definitely be a form of abuse, but not every couple where one person manages the finances is abusive. Sometimes one person in a relationship handles the money out of convenience, or because dealing with money makes the other person anxious - things start to become abusive when one partner is not able to access money for essentials if they need them, if one partner feels their spending is excessively monitored and tracked by the other partner, or if money is being used to trap one person in the relationship. Does does your friend have access to any money or spending at all? Does she have a credit card? Can she withdraw money from a joint account at a bank branch? If there was some sort of emergency and she needed to leave him, would she be able to finance that herself - for instance, could she afford to put gas in her car and drive to her parents’ house or spend the night at a hotel? Does she have access to spending money or money for basic necessities like groceries? And most importantly, does her husband managing the household finances make her feel trapped and afraid? Or is she mostly just annoyed that bills aren’t being paid without reminders? If her husband was reliable about paying all the bills on time, would this be an issue for her? Again, I don’t know the specifics of their situation, but if the money situation is making her feel like she’s helpless and unable to leave the relationship or like she has to beg for money for basic necessities, I’d be concerned about financial abuse. If she’s got her own credit card for emergencies and is mostly just exasperated that he’s paying the mortgage late every month, I wouldn’t necessarily call this abuse - but again, I wouldn’t call it a good situation either. 

In general, though, it seems like the core issue in this relationship is that the husband is refusing to take responsibility for managing his own mental health, even when it’s taking a toll on his wife. And that is super, super not okay.  As someone who has ADHD myself, I understand how difficult it can be to manage basic life expectations when you have this condition. Things like remembering to pay bills or file taxes on time, being on time for work, meeting deadlines, and keeping up with household chores are more difficult for me than they are for other people - this is a common experience for people with ADHD. I am sympathetic to the struggle. But the fact that these tasks are more difficult for me does not mean that I have an excuse to just... not do them, especially if other people are counting on me to get these things done. It is not my partner’s responsibility to clean up after me or manage the household by himself because I find things more difficult than he does - it’s up to me to communicate with him and find strategies that let me consistently take on half of the workload without my partner having to chase me to get it done. I set numerous reminders, do housework in short bursts, prioritize tasks, listen to audiobooks while I work and hold myself accountable for getting important tasks done. Yes, it sucks sometimes that this stuff just doesn’t come easily to me, but I still don’t have the right to run my partner ragged and automatically expect him to pick up my slack. My ADHD is not my fault, but it is my responsibility. And the same is true for the husband in this situation.  I’m not a huge fan of ultimatums in relationships, but I think it’s time for a come-to-Jesus moment here. The wife needs to sit down with her husband and lay out how this situation is affecting her, what her boundaries are, and what her expectations are going forward. She needs to make it abundantly clear that the relationship cannot continue the way it’s been going, and that something needs to change. What that change looks like is up to them - maybe he needs to go back on his medication. Maybe he needs to hand over control of the finances. Maybe he needs to take on more chores and childcare. Maybe it’s all of the above. Either way, this is not an issue that will resolve on its own - a difficult conversation needs to happen, and there needs to be real, concrete efforts to change. If the husband refuses to change or doesn’t follow through, it’s really up to the wife to decide where her limits are. If the situation never improves, how much more of this is she willing to put up with? Is she prepared to spend the rest of her life constantly nagging a grown man to make the car payment on time and hang up his wet towels? How long is she willing to wait for things to improve? At what point does the stress of this relationship outweigh the positives? She’s the only one who can decide the answers to those questions. The best you can do is to be there for her while she tries to make up her mind.  Best of luck to all of you! MM

[aaravm1]

Financial Planning: Importance of saving and investment

Saving money is one such life skill that we should all have because it helps us become financially independent and provides us with a number of rewards throughout our lives. We all understand the need to save money, but most of us find it difficult to do so because the thought of saving money doesn't give us the same sense of fulfilment as spending.

To put it simply, saving is essentially laying money aside for upcoming expenses or purchases. Saving, from an economic perspective, means reducing your consumption now in order to increase it later. But in addition to being debt-free and enjoying financial independence, having a safety net of savings provides many other advantages. Let's look at the reasons behind the importance of saving and investment.

Prepares you for retirement

Those who begin investing early for the future may be able to retire sooner. It could seem absurd to consider retirement when you're young. But at some point in life, everyone hopes to retire. You must begin saving money today if you want to live blissfully and stress-free then. Many retirees who rely on pensions typically don't have enough to cover all of their expenses; as a result, developing a habit of setting aside a portion of your income over time might build up into a retirement fund, making your retirement more pleasant.

Unexpected expenditures

Every day, we all face unforeseen costs arising from a health crisis, car difficulty, home repair, or even a family event. You will be able to handle these unplanned expenses more efficiently if you have some funds in your bank account. Therefore, it is usually preferable to be ready for these costs and to have some money on hand as a backup.

Instead of borrowing from friends or family when unforeseen circumstances arise, it's better to have some money saved up that you can utilize in case of an emergency. Regularly building an emergency fund can also aid in budget maintenance and monthly expenditure control.

Financial Independence

For the majority of people, being wealthy implies having sufficient money and income to rely on. Being autonomous and free to act as you like at any time is one of life's greatest pleasures. This could be taking vacations whenever you want, quitting your job and returning to school to pursue a different career, accepting a job that is more personally fulfilling than financially rewarding, or starting your own business. However, the less independent you are, the less money you will have saved and the more debt you will have. Therefore, saving is a necessity if you want to be financially independent.

Buying your dream home

Buying a house is an important financial decision a person can make. Even if you intend to borrow money to buy a house, you will still need to put some money as a down payment. Banks won't consider loaning you the remaining money until you have saved up this amount, which can range from 10% to 20% of the total purchase price. Only if you have enough money in savings will you be able to pay for this. Additionally, if you can pay all or a portion of the cost yourself, you will save a lot on the interest rate on the mortgage and can use that money for relocating, repairs, or decorating.

Fulfilling your dream of travelling Travelling helps you discover new foods and cultures while also relieving stress. The majority of us desire to travel, yet a trip to the US, Australia, or Europe can cost several lakhs of rupees. It may be much more expensive if you enjoy staying in five-star hotels or travelling frequently. Therefore, you can start saving money before you go on a trip. If you already know where you're going, it's important to budget for your trip and estimate how much it will cost.

[jennymortg]

Home refinance holly springs nc

When to contemplate home refinance holly springs nc spot that the majority of people struggle with. In case you are coping with your home and your finances timing is essential given that it will be that it can save you a great deal or merely little. Your genetic must determine independent, possibly by making use of a home loan bank, just when was the precise time to help them to refinance, if you will find a perfect time for them. When it comes to if the time has come in your case, you ought to understand that few people ever wants or has to refinance their mortgage.

Has it been Time for Home Refinance?

It usually is time for your personal home refinance in your case when you need to adjustable-rate mortgage and also your rate is going to increase. This is an excellent time for them to refinance because it can save hundreds and even hard earned money, especially if you think the level of you could lay aside during the period of the loan. When you need to adjustable-rate mortgage you will have to be somewhat more careful about refinancing because the conventional rules, like not accepting the refinance offer unless your rate of interest is several percentage points underneath your previous loan, really do not put on you. You just need to think about the sum total associated with every loan and determine if you should can really save hardly any money or not.

It might be moments to refinance if you need to substantially reduce your monthly payment. Many of us find that they have to reduce their monthly mortgage payment when are typically their home for a long time to assist in paying for school and even pay the balance of other debts. You looks to observe what it really in existence and find out whether you can improve upon credit history. Interest rate. Your skill to secure a better rate will probably be based upon many factors, including niche rates, your credit, the amount of time you are typically the home, and also your income. If you decide on home refinance at the precise time, you could possibly spend less to a few percent on your rate of interest, which could be a huge savings!

Another time that make sure you refinance is if you need to slow up the term within the loan. For illustration, for people with a 30 year loan and also your particular predicament has changed and you would want to pay the balance of your home in 15 years without a lack of success, make sure you refinance and go that has a 10 or 15 year loan. One of these refinance means larger monthly premiums, but you'll enjoy the home reaped rewards by 50 percent of times you had originally planned, which will be huge savings in your case in your end.

As you can tell, usually there are some occasions when the time is right to refinance. Despite the fact usually there are some situations where refinancing does indeed maximize sense, you ought to still shop carefully and make sure you are becoming the best offer for your personal situation. Remember that doesn't all home refinance loans are the same, so you ought to check around and search and compare the offers that can come your way. That way you can actually make certain you receives the money that will give you the foremost stability with the savings that you are searching for.

[whimsically-ominously-auspice]

Alright so a lady said she called the insurance company and they said they wont cover a thing.

This is true. Many insurance companies do not covet flood damage. This is because insurance companies are greedy.

American Modern, my insurance company and one I use personally does.

Now if you dont want to change your entire insurance that is understandable. However everyone should have flood insurance which is sold seperate.

Googling flood insurance is more help than this website when PURCHASING but it explains flood insurance like the 30 day waiting period that covers

So people in Michigan like this lady are sold out of luck.

Flood insurance is usually $100 or less per year.

We have designed a flood insurance policy that will cost $1000 for 2020 IF you have been flooded already such as Houston and such as this lady. Then it will go down to $29 per year. Tree will post the link and more information after i post. First i will ramble on.

In New Mexico it is the law if we are in a flood zone we must have flood insurance if we have a mortgage. Some banks require it in other states. I live within a miles of the Rio Grande River and thus I am required flood insurance and every year when my insurance updated, i would get a letter from Wells Fargo who is dumb and they would say that i needed flood insurance. Because they didn't read the premium notification that it is included in American Modern. The first year i called myself. The second i called the local insurance office I got the insurance from, went in and explained the problem. She said she would cuss them out. Next year same again. So i called and she said "again?!" She gets really mad. And whatever she said worked because they never sent me another letter.

So I know about having it...

Now y'all check your insurance and see if you have flood covered I'll pay every one $5 regarding insurance today.

Renters should have insurance also and Tree has a website for y'all for $5 - 79 per year.

Yes per year. I pay $1000 about and nothing happens! So why charge so much?!!? Lets not be so greedy!! I only cover $92,000 on my house. Not millions. It's a trailer in town on a small plot of land. I paid $82k and now it's worth as a regular home because Facebook moved to town $160k but because it's mine and celebrity ststus it's worth, $800k substantially. So i don't cover all that but i do have other insurance policies up to $1M that i don't pay the policy for they in the CIA database and because i own the insurance company that i use, i get $1M of free coverage per home I cover with that company. Which then harms our pocket book when things happen and I have to use the policy and make a claim.

So now, the point is. Y'all need insurance for now in case something should occur. For emergency areas or disaster areas where people were uncovered we will be proactive and use our hundreds of Billions of dollars collected on insurance premiums to help Y'all out for this year. The website will list who will be covered retroactively. Meaning you didn't have,insurance but pay a high premium and we will,pay whatever it is to restore your home or buy you a new one.

Premium will be $1000 to $5000 for what is labeled as flood insurance. So a little house like mine to a big mansion.

It is high but if my house was damaged it would cost 20k to repair or at least $5k So i would save $4k and we will include damage already done like plumbing and electrical. So if you had damage to those prior to flooding we will repair. Floors will probably be covered on flood damage I do assume. Furniture replacements of low average cost so about $1500 for a couch, loveseat and chair. $200 for TV. And so on.

If you have proof you had a monster of a TV then you can post pictures and get 100% replacement value. Otherwise you'll get the $200 which can buy a 47" LED non smart on sale.

Reciepts of furniture and so on will give you full replacement cost. Otherwise its average low cost... Good quality still. Talking like a discount furniture store. Or online furniture purchase.

So talking receipts because "but Sabrina! Its a flood and you're telling me to save paper and the ink fades!"

No, baby, take a photo of your receipt and upload it to the cloud in s special labeled folder titled "receipts" then you'll always have them.

So say you pay $5000 for a TV 10 years ago. So,that T.V. today will may be cost about $1500 so you get the replacement cost. Not the $5000 you paid but what it cost to replace it. So you'll get the same exact thing at the store. But say it was plasma. And they don't sell that any more. So its the same size and smart capable and LED which is better than what you had but cheaper. So don't freak out. You'll get enough money to buy again what you bought.

Insurance can be kind of confusing but it's today's prices for yesteryear's items

They keep up to date on prices. There's teams dedicated to knowing,exactly what items,cost. They would,win killings on the Price is Right. In fact they're banned from participating.

So get y'all $5 to LOOK at your current premiums and how much they are and what it covers.

If you have insurance and you need flood $5 to get that ASAP.

$5 for renters to check out insurance and $5 to buy.

Same for homeowners without insurance.

American Home and Geico will now offer 15% less automatically to what they usually charge. So it's on an auto 15% less for the next year no coupon or announcements. So until May 20, 2021 the charge will be 15% less than They would usually charge. For your safety and convenience.

American Home doesn't do commercials so its already cheaper. Lower overhead cost. Just by $10 - 200 per year.

Also for the retroactive flood. We will do payment arrangements. So like me i don't have $1000. So you pay $50 until you get to $1000 (Or $5k whatever it is) but we won't work on your house or give you money until your premium is full. Except when on EBT AND Medicaid. Show proof of income. We will check with social security to see if you've lied and if not we can omit your premium and deductible from your pay out. So say its a $2000 premium with $500 deductible and you're out of work. Social security can tell us that and then we can give you the $1,500,000 MINUS 2500.

People marked on SMS:BrightGady and their homes will be rejected for insurance coverage on retroactive. Find the ass hole idiot that damaged your home on purpose and collect from them.

We are only covering INNOCENT HUMANS. So if you got DNA4U to prove that you are, you KNOW you can get the retroactive coverage. If you don't have DNA4U then you can try and see.

There is no hotline available to call and whine you're an alien or terrorist that can't get coverage

After a person is approved, obviously of course, phone numbers will be available.

As for the flood -- PREVIOUS damage about a year ago was done to the dams. But this overage and failure was due to simply too much rain water.

So I apologize on the behalf of myself and tree. And we will do this insurance for y'all although it is not our fault, we just apologize that there's inconsiderate ass holes that have not died of COVID yet. And this occurred.

Hopefully family heirlooms or special items to the heart which are not replaceable are magically protected by love. And you'll be able to find them to be in a good condition, surviving the floods.

Im sorry for the pain of the floods..

Chicago and Houston and some other places globally. And also Australia and the Amazon Rain Forest Fire Victims can apply for retroactive insurance.

[whimsically-ominously-auspice]

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A post shared by ABC World News Tonight (@abcworldnewstonight) on Apr 6, 2020 at 12:14pm PDT

The curve flattened I'm told due to evaporation.

Evaporation is allowed to occur when 3 or more people in one house have COVID-19 and give consent to immediate travel to their home place -- some aliens prefer not to call it a planet but it is

So when they are diagnosed they are sent home in NY state including NYC. And so it's made s remarkable difference in numbers.

The evaporation numbers are electronically recorded live in a databank

So dead bodies to dinosaurs and handle that nasty drama or evaporation and hands free and clean.

And as a doctor or nurse, "you are diagnosed with COVID-19. You will have an adventurous future. Please go home and enjoy your ride. Here's two prescriptions to help you on your life's journey"

I mean really. Try a little flavor.

"Bitch you gonna die yo! Here take this pill so you shut the fuck up while you dien' ain't no one wanna hear you yo! And push this down and suck when you be coughin like you dyin cause you will!!" I mean i Don't even care. What are they gonna do? Complain? When? They about to die. In case they do "I explained the medication use and how to and when to and I said the future is different than it is now. And i need a break. Care to join me away from this soon to be home individual?" now its only for now and i really don't recommend you to talk to someone like that except people like me, just wanna punch some fucking ass holes in the face.

Besides some people find that kind of interaction comical and they actually do prefer it to normal doctor talk. Its humbling. Some get upset like Denise.

And i just walked by Uncle Dad and he said to her when she borrowed $2000 from me and lied it was for bills but it was so she could go to Hawaii and she said "just between you and me i borrow this Don't tell dad" and she was talking about it because I walked by and he said "yeah Denise just between you and me You got a bloody broken nose"

Because he wanted me and my daughter to go. And she borrowed almost all my savings and i didn't have enough for 3 plane tickets to Hawaii when she already had $2,000 and 2 paychecks go in and had over $6000 of her own money on the trip after bills paid. So she had $8000...

And i couldn't go. She she got a busted nose. She was until 6 months ago assisted leader of Zulululu on Eaerth.

She insisted that Nathaniel try to initiate sex with me at that time and lost her rulership.

Because in reality she told him to rape me. That's what she fucking did.

Anyway point. If someone talks in a different manner to a COVID than usual. But isn't abusive as i was not abusive in the passage above i expect it to be excused and accepted and discontinued soon. As it is ONLY for COVID-19 activated and not carriers (which will only show up in DNA4U)

A lot of people The most strong people have been invaded by aliens. The strongest.

And we been beat down. Over and over.

I'm gonna pull out the NHRA because some of them kids are real special to me.

32% are human. 92% of the remaining percentage are alien. That's just the drivers.

72% of mechanics are human. 4% of the remaining are alien. (Cause they're fucking lazy -- not just an opinion)

The rest evil humans.

So of 600 drivers... Take 32 times 6 and you got some fucking number i ain't a calculstor but it's about 3x6 is 18 plus in the ones column 2x6 plus Yoir carry.

192 I'm assuming out of 600.

So that totally isn't right. 32% of drivers. 1/3 of 600 is 200

Fuck tree msn noe he says there's 900 drivers. Makes me laugh

So over 300... Why does the calculator say 288??

Why does this not work? 32% oh is not 33.333% it's less than im all thinking 30% is 1/3.

Fuxk math.

I'm sloppy in math. I have good humor about it tho and tree gets a good chuckle at me because I get so dumb about it. I was looking for 35% which is about 315.

See why Yall need 8 hours or more of restful sleep? Denise kept me up all night acting stupid screaming and then Nathaniel woke me up early worried about his livelihood. So i got me like 4 or 5 hours.

So 288 people surrounded by 900 people.

This is often the case then the remaining (i have a calculator here) 612 people try to drag down the 288 i can clearly see that they are outnumbered by over double

So that is a two on one unfair fight. Two not even being allowed to be on the fucking planet!!

And the one alone to stand or ball up to defend is nearly defenseless.

Then in the NHRA to make matters worse the aliens lie and manipulate to get their mechanics behind them.

So i developed a system that the driver team that wants to fight fights as a team and they have to pay real cash money starting at $10,000 that just goes up and up. If they intend to fight a human and Easter Egg occurs and the aliens that put up the bounty to warrior can't fight and must award all cash to the human ran team. Like Erica Enders.

And if she catches you talking shit after the cash award (usually a wire payment) and she will. She racks up fees and fines aka charges. Then she can beat the shit outta the alien team that has to stand there with their hands at their sides or in their pockets after the pockets are cleared by the awarded team and each person gets 5 hits to the face or ribs then the shit talker gets 10 from each team member from the human side.

Since 2013.

Aliens do not belong on Earth. Many of the drivers are the worst offenders of human trafficking which is why They are allowed in the NHRA so we can spy on them and is why rhe mechanics are so many humans.

Because by default humans hate aliens. Its just a distaste we are programmed and then we feel sorry for them for our programmed hate..

It is a very vicious cycle and very painful. Because we can't stand the way they act or dress or the way they're so fucking happy. And its because they lie and hide who they are from us and we feel it.

Thus the distaste

No matter how hard we try to like them and enjoy being with them the hiding and lying over and over of their true identity is terrible.

Queen hid from me her identity and I was all who the fuck are you? Like it wasn't like i would be rammed if i asked.

She said "pardon?"

And i was like oh shit and i got all red... And i was all oh im sorry I should not talk to her like that she's elder and proper! So i said "im sorry ma'am i was Just wondering who you were"

"Well I'm the fucking Queen!!"

I must had looked like a turnip by then all the blood rushing to my face to feed my brain.

"Of who?! What? Where?!"

"Of England" and she folded her hands in her lap on one side and looked all dignified.

Holy fucking shit who would thought?! Not me!

But an alien will lie "I'm just like you but ...." And never dignify themselves to say they are alien. And it is irritating.

When Queens or Kings don't announce themselves its full of mystery and wonder.

When an alien DOES then it's full of mystery and wonder.

When they don't it's absolutely full blown annoying.

Sometimes we can act like children and allow a person to follow us around and copy every move like the other kid doesn't know how to live. But there comes a point even a child will explode in temper.

They just don't fit on our planet!

Even Venus. Neptune and Mars when they transferred to human Because they earned the right by following the rules we still had to tweak their brains and look and so on.

Neptune looked like Ewoks. They were so fucking cute!!! I love Ewoks. I slept with one forever in my bed when i was a kid - a stuffed one from the store.. A fake non living one. I didn't know. I just felt a lot of love.

And i was being really abused by Denise and Nathaniel and i felt really better to,wake up to its cute little face. It was the one thing Denise didn't try to destroy because she knew the truth about them but she sure didn't tell me.

So although I have and the whole human race has a severe dislike and distaste for the alien race I did ensure that their deaths are one I would want for myself. For my children. For the proper Queen of England who can joke around and make my body feed my brain to keep me alive for one more day.

Something kind.

Evaporation is a slight accordion feeling mainly in the chest and then off they go.

So no one intended for Donald Trump to be running his mouth telling people not to listen to me

Simple bronchitis treatment then home to their families to discuss the ability to leave and when and where. And apparently there's a website you can organize yourselves on so you don't go alone.

I have tried every other way and it was unsuccessful.

I'm not destroying my own planet that was a gift because some aliens are fucking rude.

Im just gonna send their asses home as i should have done long ago.

Its not about being bitter or wanting revenge.

Simple fact is they don't belong here and they have their own home and their own Gods.

Its straining for their Gods to switch between their home and here.

Not my creation. Not my responsibility.

Not the nurses nor doctor nor military.

Not the mailmans nor Amazon's.

When yall voted for an American Revolutionary War 76% voted yes. Of the world wide population of nurses and doctors and health cate professionals 81.5% voted yes. Over 81% voted for a Revolution

So i expect no problems from now and the next 13 days.

24% of Y'all were probably aliens. Tree says... 16 and a half % which then leaves probably evil humans. Snd tree says yes.

So 100% of Humans says yes fuck this shit.

So y'all drink your grocery store wine. Have your cheese. Leave me some extra sharp cheddar but get you some too and get your ice cream. Buckle down and take your tests for money to buy all that. Don't pay no rent nor mortgage

We will talk to car loans i expect. Talk to your car loan providers. I don't want no dude towing your car cause he know it's at home and you didn't pay the monthly payment.

So use your DNA4U to pay your car loans and car insurance and get your food..

Don't be paying baggers online. I got a couple I follow here on Tumblr always a medical or food need. Go on the street corner and work for that yo.

They can get same as you to take a test

Get your student loans deferred.

If you have no DNA4U access and you did and you got an email saying why then you're leaving the planet So click the link and make your arrangements to get on your way.