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Peptides Advantages - Do They Assist You?

Dbal Kinds, Crazybulk Bewertung

Content

Ostarine And Also Ligandrol Improve Muscle Mass Tissue In An Ovariectomized Rat Model.

Modern Technology.

Firm Overview For Sarms Ventures Limited (.

Tumour.

Individuals commonly have feelings of regret and disgust at their lack of control during and also after binge consuming, which can strengthen that cycle of adverse emotions, limitation and binge eating again. Individuals with binge eating disorder eat big amounts of food over a brief time period.

This not only leads to raised muscle mass development but likewise results in muscular tissue retention and also the formation of new muscle mass cells. This SARM was originally created to help patients struggling with muscular tissue loss, however it's mainly used by bodybuilders to avoid muscular tissue losing. GHSRs are also discovered in the areas of the brain that regulate appetite, state of mind, pleasure, memory, biological rhythms, cognitive features, as well as memory. When you take Ibutamoren, you'll not only lose fat and construct muscle mass but will additionally feel far better and more sharp, improving your fitness efficiency. A big part of this factor is how Ligandrol boosts your energy.

Ostarine And Also Ligandrol Enhance Muscle Mass Tissue In An Ovariectomized Rat Version.

You'll have the ability to exercise for longer and also can maintain extra extreme training sessions, which will certainly result in some major muscle gains. is just one of the most effective muscle-building SARMs on the marketplace. It only takes a few weeks for Ligandrol to work, even after a solitary cycle. Bodybuilders will certainly additionally experience other advantages when making use of Ostarine, such as enhanced bone density and also faster recovery time. Bodybuilding offers lots of physical benefits and can improve your body. When S.A.R.Ms bind to the receptor they demonstrate anabolic and hypertrophic task in both muscle mass and also bone.

People may find it difficult to stop throughout a binge even if they wish to. Some people with binge eating condition have defined really feeling detached from what they're doing throughout a binge, or even having a hard time to keep in mind what they've eaten afterwards. The majority of people suggest that the product is carried out only as soon as every 4 weeks, dbal types.

Innovation.

Makers have to test each product in independent research laboratories, which must offer their consent for sporting activities supplements to show up on the market. Without it, customers might question the accuracy and also safety of the item and deny it. Some SARMs had actually been tested years prior to they were accepted for use. Although costliness is a family member term, the majority of customers will agree that the costs of SARMs are high.

Unlike people with bulimia, they don't normally follow this by eliminating the food via, for instance, throwing up, though occasionally they could quickly in between binges. BED is not regarding selecting to eat huge portions, nor are individuals that struggle with it just "overindulging"-- much from being pleasurable, binges are really distressing, frequently including a much bigger quantity of food than a person would wish to eat.

Company Review For Sarms Business Restricted (.

In addition, cycle assistance lowers the chance you'll experience any side effects. Numerous PCT supplements have natural vitamins, minerals, and also natural herbs such as ashwagandha remove, Tribulus Terrestris essence, Rhodiola Rosea remove, vitamin E, and also saw palmetto extract. These active ingredients will certainly stabilize hormonal agents while boosting body structure and your total feeling of wellness. Yet there are specific supplements that bodybuilders and anyone taking SARMs should make use of. Supplements contain vitamins, minerals, fats, amino acids, and other valuable components. People take supplements for even more reasons than fitness benefits. Supplements consist of vital vitamins, minerals, and also other substances that enhance your wellness.

Does Vitaminhoppe sell SARMs?

SARMs are drugs and they are not dietary supplements. Using the internet one can easily find SARMs for sale. The bigger retail stores like GNC and Vitamin Shoppe do not carry them, but the smaller independently owned supplement stores are notorious for distributing SARMs.

While BCAAs are vital to muscle mass gain, it is suggested you take BCAAs with protein supplements, specifically whey protein. BCAAs promote muscle healthy protein synthesis, which is the procedure of structure muscle. It's likewise stated that BCAAs reduce muscular tissue damages in addition to the length and also severity of delayed beginning muscle discomfort, urging body builders to raise extra. Premium cycle support supplements include ingredients such as grape seed essence, Tribulus Terrestris remove, vitamin E, N-Acetyl-I-Cysteine, saw palmetto extract, celery seed extract, as well as hawthorn berry. Cycle assistance protects important bodily features, such as cardiovascular, liver, prostate, and cholesterol health as well as also sustains your blood pressure.

Tumor.

Binges may be planned like a routine and can involve the person buying "special" binge foods, or they may be more spontaneous. People might go to severe sizes to accessibility food-- for instance, eating food that has actually been gotten rid of or swiping food. several BPC157 Italy eating normally occurs in private, though the person may eat routine dishes outside their binges. People with binge eating disorder may likewise limit their diet regimen or place in specific policies around food-- this can additionally lead to them binge consuming due to appetite as well as feelings of deprivation.

It is worth keeping in mind that Cardarine itself was originally suggested as a way to deal with obesity.

SARM-type mass tablet computers from this group allow to shed fat cells without losing muscle cells.

SARMs for weight decrease as well as support in constructing a brand-new one include Ibutamoren, Cardarine and also Endurobol.

Usually when I quit with my steroids, my stamina minimizes as well as I am slimming down.

SARMs were actually uncovered by accident in the 90s when cancer cells researcher James Dalton recognized the particle andarine, or S-4, which came to be the first-ever SARM.

I got it for myself, not as much to be obtaining mass yet essentially for after steroid cycle.

This would be similar to a SARMS triple stack that is generally ran with Ostarine, other than there is an opportunity of even more dimension being put on while reducing. An excellent dose for this approach would certainly be 3-5 mg a day for 8 weeks. LGD has shown one of the most capacity of any type of SARM to place on size that can be taken into consideration a mass. boosts, and have had a considerable increase in calorie intake. An advise dosage for this kind of goal would be 5-10 mg day for 8 weeks. If you disable this cookie, we will certainly not be able to conserve your choices. This indicates that each time you visit this internet site you will need to enable or disable cookies once again.

Types Of Bonds In Biological Molecules.

Being uncertain of any one of the above can indicate that you shouldn't be taking efficiency enhancers just yet-- this is since your body still has the ability to boost normally. Only when you can not improve any longer would I suggest considering taking efficiency enhancers. Value that efficiency boosters will not make you buff on their own. As your body reacts, you may really feel an absence of appetite, but this should not place you off from staying with your diet plan. The very best SARMs offer for sale included clear and thorough guidelines.

How long should you take Mk 677?

Previous studies in humans demonstrated that daily oral administration of MK-677 in healthy older adults,8 GH-deficient adults9 for 4 weeks, and GH-deficient children10 for 7 days increased serum GH, IGF-I, and IGF binding protein (IGFBP)-3 concentrations.

A significantly greater intramuscular fat content of the quadriceps femoris muscular tissue was observed in the OVX+LG 4 team compared to the Non-OVX team. In OVX rats, the fat content of the muscle did not differ from that in the various other teams. All rats obtained a soy-free rodent diet regimen (ssniff Spezial Diät GmbH, Soest, Germany) throughout the experiment. OS and LG were provided with the soy-free diet plan (ssniff Spezial Diät GmbH).

Strictly Necessary Cookie ought to be enabled at all times to make sure that we can save your choices for cookie setups. It indicates that purchasers have proper defense when purchasing sporting activities supplements, both online and offline. Authorities are responding really promptly and also capturing fraudsters offering phony SARMs.

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" width="304px" alt="Peptides advantages"/>

The gastrocnemius muscular tissue, soleus muscle, as well as longissimus muscular tissue were removed. The GM and SM were considered and all muscular tissues were frozen in fluid nitrogen and kept at − 80 ° C until further analyses. Either left or right muscles were used arbitrarily in either histological or enzyme evaluations. In Experiment II, intramuscular fat material was identified in the quadriceps femoris muscular tissue in Non-OVX, OVX, as well as OVX+LG 4 teams.

information BPC157 Australia remaining food in the cage was considered weekly to determine the typical daily food intake of a rat by separating these information by days in between the considering and also number of rats in a cage. The ordinary day-to-day dosage of OS and LG was calculated based on the everyday food intake and the mean BW in the cage on the particular week. After 13 weeks post-OVX, all animals were euthanized under CO2 anesthetic. Blood serum was accumulated for further evaluation of creatine kinase as a marker of muscle damages.

CRN updates guidelines on SARMs, caffeine - NutraIngredients-usa.com

CRN updates guidelines on SARMs, caffeine.

Posted: Mon, 09 Jul 2018 07:00:00 GMT [source]

If you haven't received any kind of, part three has been made to aid you get the most out of your cycle. Perfect for those that do not take pleasure in having a healthy level of testosterone. I really dropped weight no toughness obtains no anything essentially. My diet is actually far better than its ever been training is great as well. It will radiate more-so if ran in conjunction with SARMS S-4 and Cardarine (GW ).

Nonetheless, they are still related to venous thromboembolism and also stroke. C4 (commonly known as pre-workout) delivers an increase of high levels of caffeine and various other active ingredients to boost endurance, energy, as well as efficiency. It's excellent for body builders of all levels, but you ought to adhere to dosing guidelines meticulously.

OS as well as LG are still being investigated in clinical tests, and neither have actually been authorized as therapies to this point. There are no studies reporting in vivo effects of OS and also LG on postmenopausal muscle framework and metabolism. The goal of the here and now study was to explore the effect of OS and LG on the muscle cells of ovariectomized rats as the typical model for postmenopausal problems. The OS effect on bone cells and animal design as a component of Experiment I has been recently published. Hormone replacement treatment in postmenopausal females is connected with extreme side effects, such as an enhanced danger of coronary heart problem, breast cancer, stroke, and venous thromboembolism. Nonetheless, it is still the most efficient therapy for postmenopausal signs and for very carefully selected ladies, advantages can surpass threats. Selective estrogen receptor modulators have useful results on the musculoskeletal system like estrogen, they have less adverse events on breasts and the uterus.

[skepticalcatfrog]

Among The Stars Chapter 4

First Chapter Previous Chapter Next Chapter

Summary: Logan Watts is a famous scientist, known by almost everyone in the galaxy. His most famous invention is his friend and assistant, a healthcare android named Patton. When they are called to another planet for a meeting with the local ruler, they're expecting a completely normal trip. Little did they know, this trip would send them into a daring adventure to protect their galaxy and stop a war. Teamed up with unlikely friends, including a runaway gladiator and an infamous crime trio, Logan and Patton have to figure out how to make peace and save their universe (and beyond) from being destroyed.

Pairings: (Eventual) Logicality, Prinxiety, and Demus

Word count: 3,068

Author's Notes: The last three chapters were mostly introductory, but in this one things are finally starting to come together!

Logan stared at the sky, dumbfounded. His last chance of escape was gone. Patton was gone. He had to do something, to figure out how to get off of this planet. He speed walked out of the parking lot, not wanting to run so he didn't draw too much attention to himself. He walked up to the first person he saw, a woman with purple crystals around her eyes.

"Excuse me, does this planet have any type of public interplanetary transportation?" He asked. 

The woman glanced at him and walked away. He figured that there wouldn't be any point in following her, because if she didn't answer the first time then she wouldn't answer if he asked a second time. He approached a second person, a man whose eye color shifted through different shades of pastels and had round glasses resting on his nose. He kind of reminded Logan of Patton.

"Hello, I apologise for the interruption, but is there any public transportation on this planet?" He asked.

"You're Logan Watts, right?" The man asked. Logan nodded. "I'm sorry, but we're not supposed to talk to you."

"What? Why?" Logan furrowed his brow.

"None of us know, if I'm being honest with you." The man shrugged. "The president broadcasted a city-wide announcement a few minutes ago, he told us not to talk to you."

Logan let out a cry of frustration, which caused the other man's eyes to widen. "Of course! Of course this is his fault."

"O...kay?" The stranger raised one eyebrow. That also made Logan think of Patton, because the android would always make fun of him for his inability to raise only one eyebrow. "I have to leave, I'm really not supposed to be talking to you right now."

The man took a few steps backwards before turning around and speed-walking away. Logan couldn't blame him. He looked around at the surrounding buildings. A library, a supermarket, the presidential building, the arena… a mechanic. He sprinted down the street towards the shop. He burst through the front door to find the mechanic inside, with no other customers.

"Can you get me a ship?" Logan said, trying to catch his breath.

"Who's asking?" The mechanic crossed his arms. Apparently this guy didn't recognize him.

"Logan Watts." He answered. The mechanic started to say something, but Logan held up one finger to stop him. "I know what you're about to say. You aren't supposed to be talking to me. But I really need your help, and if you just give me a ship then I'll be out of your hair in five minutes. I promise that no one will ever find out."

"I don't sell ships, but chances are I can get you the parts to build one." The mechanic told him. "That is, if you have the money."

"I do, and I'll pay in full as soon as I get what I need." Logan shot back. He knew how to build a ship, he just needed supplies.

"I have a shipment of parts coming in next week. Think you can wait until then?" The mechanic asked.

"Alright." Logan nodded. The circuits on his face started glowing, and he made a digital note on the mechanic's computer. It was the code for his phone. "Contact me when it gets here."

He turned around and walked out the door. Everyone seemed to be ignoring him, which was actually very helpful. It would make it easier for him to keep a low profile that way. He went to a few stores to buy supplies, then to the edge of the city. He walked far enough away that he'd go unnoticed, but close enough that he could still see the city. Then he used his supplies to build a small shelter. That would probably last him a while.

Sure enough, a week later he got a notification on his phone. The message was an unknown number, saying that the parts for the ship had arrived. He went back into town and back to the shop. There were two large boxes next to the front desk that hadn't been there last time.

"Welcome back." The mechanic said. "Everything's here, and there's a blueprint in the box."

"Thank you." Logan nodded. "How much will it cost?"

"6,000." The mechanic answered. "Plus an extra 100 if you want something to carry the boxes with."

"Done." Logan's face began to glow again. A little machine on the desk beeped, and the parts had been paid for. He left with the boxes, which were sitting on a metal plate floating behind him. He brought them back to the shelter he'd built and got to work.

~2 months later~

Logan wiped the sweat from his forehead with the sleeve of his shirt. He stood up and looked at the ship. It wasn't anything special, but it was done. There wasn't even a second seat. Hopefully it would start. He opened the door on the side, sitting down and hanging his jacket on the back of the seat. Then he shut the door. He took out his phone and made it track his ship. Not the pod that had been stolen, but the main ship where his lab was. He balanced his phone on the steering mechanism. He pressed the button next to it, and he heard the engine start up. A rare smile crossed his face. The ship lifted off of the ground and he travelled out of the planet's atmosphere. Finally, he was on his way back home.

It didn't take long to get back to his ship, only as much time as it had taken to get to Xialea VII in the first place. He was lucky that his ship was stationary most of the time. He parked the new pod in the space where the old one had been previously. The second he was safely inside the ship, he practically tripped out of the pod and bolted to the stairs up to his lab. He fell into his desk chair in front of his computer and began typing frantically. He had given Patton a built-in tracking device a long time ago, if he could just get the signal then he'd be able to find him. And Logan knew how to get the signal in under a minute. A map appeared on a screen, with a tiny blue dot in the middle. That dot was Patton. Logan never knew why he decided to make it blue despite the fact that Patton was gold, it just felt like it should've been blue.

Based on the location displayed on the screen, Patton was currently located on Planet #739049287193. It didn't have a proper name because of the non-existent population. But now Patton was there, which meant that other people must've been there as well. However terrible the situation was, it was admittedly smart of Patton's captors to bring him to such an isolated planet. The trip would take two days, but he didn't have that kind of time. He would have to take the whole ship, that way he could travel using hyperspeed. Plus Patton would have a home to come back to right away. It was a flawless plan, in Logan's opinion. He transferred the data of Patton's location to the monitor in the pilot's bay. 

Once he got there, he sat in the chair at the front of the room. He turned on Autopilot and typed his desired location into the search bar. He switched the ship into hyperspeed. The surrounding landscape became blurry as the ship began moving faster. Within minutes, everything returned to normal. He looked at the surface of the planet below him. It could only really be described as unpleasant. A shroud of gray storm clouds covered the sky above him. The ground below appeared to be solid rock, stalagmites rising from the ground. Some of them were taller than others, some even looking like mountains.

Logan opened up a screen that would give him a closer view of the ground. It was the same all around, and it was so boring that if he wasn't doing something important then he might've fallen asleep. It took a while to find anything. And when he finally saw something, it wasn't what he expected. Near the base of one of the taller stalagmites, he saw what looked like a person cleaning a motorcycle. He stopped the ship, and the person looked up at him with wide eyes. Apparently a giant ship being parked above you is easy to notice. He opened the trapdoor that was behind his chair and climbed on to a ladder as it was being lowered to the ground.

When his feet touched the ground, he started walking. The stranger in front of him stood up from where they'd been kneeling next to the motorcycle. Upon closer examination, Logan noticed that this person had scales. But only on half of their face. Logan approached them and held out his hand.

"Hello. My name is Logan Watts. Do you mind if I ask you a couple of questions?" He requested, waiting for a handshake and an introduction.

"Dalton Sanders. Sure, shoot." The stranger answered. Logan quickly drew back his hand. He was talking to Dalton Sanders, the infamous thief. He narrowed his eyes.

"Have you seen an android around here recently?" Logan asked, even though he already knew the answer.

"Took you long enough." Dalton snickered. Logan tensed up at the sight of his fangs. "Come inside, he hasn't stopped talking about you for two months."

"Are you serious? No protest or anything?" Logan raised his eyebrows. That only made Dalton laugh even more. Logan was already starting to get tired of this guy.

"Not at all. We'll give him back, we just needed you for something. He was actually really nice to have around, he's good company." Dalton turned around and started walking away. Logan followed him through a door that he hadn't noticed before, into a large cavern.

"Logan!" He heard Patton's voice from the back of the room and saw him jump up. The android ran towards him and tackled him in a hug, holding on tight. Logan was surprised at first, but soon settled into it. "I missed you."

"I can tell." Logan said, a hint of happiness in his voice. "I came to bring you back."

"Oh, that's wonderful!" Patton pulled back with a smile, which quickly shifted into a frown. "But… there's just one thing I need to talk to you about. I-"

"Hey, hi, I'm Remus. Sorry for the interruption, but I have a question for you Mr. Scientist." A new person said, his tone revealing that he wasn't actually sorry. "Why do you not have an accent, but the android that you build does?"

"What? He doesn't have an accent, I would know, I programmed him that way." Logan frowned.

"Okay here, we just listened to you talking, now listen to him talking." Remus gestured to Patton.

"I don't have an accent. At least, I didn't think I did." Patton said. Turns out Remus was right, Patton had a very light Southern accent.

"How is that possible?" Logan muttered, talking to himself. "He developed feelings a long time ago, but I never expected this many changes to his programming…"

"I'm sure it's not that big a deal, Logan. Everything that's happened so far is minor." Patton reminded him.

"I suppose you're correct." Logan nodded. "There isn't a point in dwelling on minor issues."

"Speaking of issues, can we go back to what I was talking about before? Even though this is kind of a big issue." Patton requested.

"Of course, what is it?" Logan regained his focus.

"So, you know how a while ago I was talking about wishing I could meet another android? Well, it happened. But he really needs our help." Patton told him. 

He brought Logan further into the cavern, stopping in front of someone sitting in a desk chair. Logan could tell immediately that he was looking at an android. A very damaged one, from the looks of it.

"Can he speak?" Logan asked. The android's eyes began to glow purple. Patton pointed to the computer.

"No I can't. But I can do this if you want." Words appeared on the screen.

"He can connect to the computer." Patton explained quickly. Logan nodded.

"Alright. Firstly, what is your name?" He asked.

"I don't have one. They call me Anxiety, but I have a number too." Anxiety told him.

"And what is that number? It could be a code for something." Logan looked at the computer screen as numbers started appearing.

"229187912."

"Okay." You could tell Logan was concentrating. "If you split that up into sections, it could be letters. 22-9-18-7-9-12. If this is intentional then those numbers could turn into a name. The 22nd letter in the alphabet is… V. 9 is I, and that appears twice. 18 is R. 7 is G. 12 is L. So when you put those together in order, it becomes V-I-R-G-I-L. Virgil."

"Virgil." Anxiety smiled widely. He'd never had a real name, only ever his nickname.

"Do you want us to call you that now?" Dalton asked.

"Definitely." Anxiety (or Virgil, rather) smiled even wider. Dalton's heart soared seeing him so happy.

"Now, on to the next order of business." Logan brought them back to the current task. "What specifically is wrong with you?"

"I can't talk, or move. I have a glitch in my programming, but I don't think that's fixable." Virgil told him. "Basically, what I was built to do is predict outcomes. But the glitch makes it so that I can only see the bad ones."

"And how long have you had that glitch?"

"I've always had it. That's why I was a prototype."

"So, can you fix him?" Remus asked, a hint of hope appearing in his voice. Logan realized that all eyes were on him.

"Yes, yes I can." Logan sighed. "Patton, the ship is outside. Can you bring them to my lab, and make sure they don't cause any trouble?"

Patton nodded. "Come on, guys. We can take the motorcycle up to the ship, that'll make it easier."

As they left the cavern, Logan couldn't help but wonder why Patton was being so nice to them. They were criminals, not to mention the fact that they'd literally kidnapped him. It was just like Patton to remain optimistic in the face of danger.

Once everyone else had gotten to the ship, Logan took out his phone. He'd gotten to Patton, but he still had one more thing to find. The stolen escape pod. When he got the tracking signal, he couldn't believe what he saw. For one thing, the escape pod was on the very same planet. But the dot that showed its location was jumping around the screen. It didn't seem to be going in any sort of pattern, but it would occasionally come back to the same spot. Logan decided that must've been where it was. It wasn't even that far away, only a couple of minutes of walking. Once he got to the ship, he saw it right away. That was one thing he expected. One thing he didn't expect was to have a sword pointed at him right away.

"Who are you and why are you here?" The stranger asked. Based on his appearance, he was from Xialea VII.

"My name is Logan Watts. I believe you stole my ship." Logan answered. The stranger's eyes widened, and he lowered his sword.

"I did, and I'm really sorry about that, but I promise I had a good reason." The stranger explained.

"And what exactly is that reason?" Logan said skeptically.

"I… needed it." The Xialean said. Logan rolled his eyes. "It's true! It was a matter of life and death. You see, I'm… a prince! And I really needed to leave the planet, because I didn't like it there at all."

"But you're Xialean. They don't have royalty, they have a president."

"But you see, that's the thing. I'm not from Xialea VII, I'm from Xialea VI." He lied, hoping Logan wouldn't catch on. "That was the original kingdom, then some of the citizens broke away and made the city that became famous. I recently took a trip there, but apparently they still have some sort of grudge against us. I'm Roman Northbrook."

Roman was telling so many lies, and he knew it. But it wasn't like he was ever going to see this guy again. This was his chance to be who he'd always wanted to be, even just for a few minutes. At least he'd told the truth about his name.

Logan didn't acknowledge the introduction, simply moving on to examine the escape pod. It was completely broken, and had clearly been crashed. No wonder the tracking device hadn't been working.

"Okay, you know what?" Logan turned back around to face Roman. "Come to my ship with me. I'll bring you home, and you clearly need supervision anyway."

"Please don't take me home! I can't go back, they'd probably kill me for running away in the first place." Roman told him. At least that last part was true. "I can be useful, I'll be like a security guard or something!"

"We'll cross that bridge when we get to it." Logan began walking back towards the main ship. Roman followed him, not really knowing what else to do. The moment they got back to the ship, everyone was staring at them.

"Who's the new guy?" Dalton raised his eyebrow, pointing to Roman.

"This is Roman Northbrook, he is the person who stole my ship. He'll be staying here for a while." Logan explained. Roman waved awkwardly.

"Cool." Remus smiled. "Don't worry, some of us steal things too."

Virgil didn't have a computer to connect to, but he would've been to busy staring to say anything anyway. It was quite possible that this was the most beautiful person he'd ever seen. He looked away quickly. If androids could blush, he'd be as red as the streaks in Roman's hair.

Logan looked around at the group in front of him. He'd come to this planet expecting to get Patton and be on his way. Instead he'd gotten Patton, two thieves, a broken android, and a runaway prince. What was he getting himself into.

Taglist: @idkwhyimhere0o0 @icequeenoriginal @mostpeopleannoyne @007ardra @logan-is-my-spirit-animal

[servin-up-surveys]

survey #053

What’s the longest you’ve gone without accessing the internet? Well, excluding when I was a baby and all, somewhere around two weeks during a mental hospital stay. What’s the one book you think everyone should be required to read? Johnny Got His Gun by Dalton Trumbo. Anti-war novel that is simply fanfuckingtastic. How patriotic are you? My "patriotism" reaches into the negatives, dude. When was the last time you used a computer in a public place? A few months ago when I went with my mom to the church she cleans just to get out of the house. I'd brought my laptop with me and just chilled in an office. Is there anyone else in the room with you atm? What are they doing? Just my snake. She's just chillin' in one of her hides.

What is something that you plan to buy, as soon as you’ve saved up the money for it? I want Teddy's tribute tattoo literally ASAP. Sara's handwriting on my boob just ain't it lmfao What kind of deodorant do you use? Some Secret scent, I don't look. Your first serious relationship, do you still talk to him/her? No. Is there anything too serious to be joked about? Absolutely. Off the top of my head, don't you fucking dare joke about rape or molestation with me, ESPECIALLY if it involves a child. I honest to god would fucking deck you. Some things simply are not in any way funny. Does ketchup really belong on mac & cheese? I've never tried it and never will, it sounds disgusting. What’s one fruit you love in drinks? Strawberries. What is something simple that you’re afraid of? Talking on the phone. Do you have any nieces or nephews? Describe them. I have a lot, but since these are the only ones I see frequently/know well, I'll just say a little bit about my immediate older sister's kids: Aubree is bright, quiet, shy, loving, and a deep thinker. She gets frustrated easily when she doesn't understand something. Ryder is VERY active, pretty much deafeningly loud, full of energy, and loves to show off in that endearing way children do when they think they can do something even remotely cool. Emerson is super silly, a total daddy's girl, and she loves to help and be included. She's glued to her big brother's hip. I love them all so, so much. What is one thing you have in common with your mother? We both care A LOT about other people and never let those we love suffer alone. Is there a small, local shop that you enjoy going to? What types of things do they sell? No. Who is a coworker from the past that you miss? Why did you enjoy their presence so much? I've never really worked long enough to answer this. What is something that somebody else introduced to you, that you ended up falling in love with? Who made the introduction? What is it that you love about this particular thing? HA, the whole Silent Hill franchise tops the list, eeeeeeasy. I watched Jason play the first game and got totally obsessed. I just love how creative it is and how the whole big idea is you can't run from your past if you haven't made peace with it, because it will always follow you otherwise. I could literally write an essay on why I love the series so much, I'm restraining myself lol. What are some things that make you feel peaceful? Birdsong, wind chimes, flowing water, rustling leaves in a breeze... really mostly nature sounds, now that I'm thinking about it. Name something that reminds you of your grandparents. Disney World is one, 'cuz my maternal grandma (the only grandparent I ever *really* knew) worked there. Does a male or female sing the last song you listened to? Male. Are you listening to music now? If so what song? Yeah, "Eifersucht" by Rammstein is on atm. What is the most expensive thing you’ve ever bought? My snake. Or my Mark tattoo? Idr. Are you on speaking terms with your parents? Yep. What are your feelings on feminism? You CANNOT look at the world today and DARE to say it is not 100% VITAL. Some people do take it too far, but for the most part, feminism MUST exist and be fought for. Do you think an opinion deserves respect just by virtue of being an opinion? Sure don't. Some opinions are just fucking vile. Can you honestly say that you always practice safe sex? Once we start doing that, it's going to be an absolute necessity. I WILL NOT take that shit lightly because I am fucking not getting pregnant. Are you more sympathetic towards animals or humans? Oh, animals for sure. Is there anything you want to live to tell your grandchildren? I'm not going to have kids to even have kids of their own. If you could be reborn, what would you be reborn as? Hm, maybe a wild lioness. Does the person you love/like have any pets? Yeah, a pit/shepherd mix named Charlie. Are you more attracted to men or women? I'm attracted to both, but I think I tend to experience attraction more often with men. Have you ever been told you were a good writer? Yeah, that's probably what I've been complimented on most. Have you ever been on a farm? Yes. How many times can you honestly say you’ve been in love? Twice. What if your ex says to you, “Why did you let me go?” I would lose my FUCKING MIND if Jason had the absolute audacity to say that, but I can pretty fucking confidently say he wouldn't. Like I genuinely don't know exactly how I'd react other than laughing my absolute ass off in total disbelief that came out of his mouth. How many people have told you they were in love with you? One with certainty. I don't know if Girt has said those exact words? Sara was never completely sure. Have you chewed gum after someone else already has? Uh, EW? No? What was the last song you listened to that made you cry? The acoustic version of "Eternally Yours" by MiW. Your ex REALLY needs you at 3am and you have a way to their house would you go? I don't see how my presence would help him, so no, honestly. I'd feel like I was being disloyal to Girt just by showing up there. What I WOULD do is have an emotional breakdown over it, though. Does the thought of marriage scare you? No, it never has. Would your parents get mad if you got drunk while they were present? No. Do you know anyone who suffers from depression? I know multiple, including myself. How much older/younger than you was the person you lost your virginity to? N/A Any sexual stuff happen in the past two months? Yes. Have you ever made a sex tape? That's an absolute no, I never would. Have you ever considered being a cop? Nope. Do you get high a lot? I never do. Where do you want to live when you are older? Ugh, take me back to the woods in the middle of nowhere, PLEASE. Are you into bondage? It's not something I've tried and am not horribly interested. Have you ever been bitten by a dog? No. If you could go back and redo things with your last ex, would you? No. Do your parents have Facebook accounts? Only my mom does. Do you remember who you liked in grade eight? I actually don't think I liked anyone. Are you dressing up for Halloween this year? Almost positive no. I just don't have a reason to anymore. Girt and I have instead planned to play the Resident Evil 2 remake; he is not fond of horror games and won't play them himself, but he seems to kinda like watching me do it. Does/did either of your parents serve in the military? No. Do you like sour candy? I LOVE sour candy. What was the last reason you went to the doctor for? I actually just went yesterday to get my ears cleaned; I had a blockage in my left ear from just earwax. That's what happens when you overuse q-tips, kids. I was just pushing shit back. Have you ever used the app Duolingo to learn a language? No; I use an app called Readle to learn German. Do you enjoy blueberry muffins? Love. Would you rather plant a vegetable or flower garden? Oh, flowers for sure. Do you think Bigfoot is real? Meh, probably not. Or at least, sasquatches no longer exist. Do you think you could win a cooking competition? What would you cook if you were in one? HELL no. How long could you run before getting winded? I am almost 100% certain I can't run at all. My legs are too weak; my knees would immediately give out. Have you ever been arrested? No. Who is your best online friend? Where does he/she live? Tez (Oregon) and Mazzy (Nevada) are tied as my best friends. What fandoms would you consider yourself a part of? Oh god, there's a lot. Rammstein, Markiplier + some other YouTubers, Silent Hill, World of Warcraft, Wings of Fire, and more. Your ex calls wanting to hang out. What do you say? No. Do you think your ex will ever want to be with you again? No. Where would you rather live: England or Australia? England. As much of an animal lover as I am, Australia has some WILD shit goin on over there with the wildlife lmao. I ain't built for finding a huntsman spider in my shoe. Do you own a wok? No. What are your career goals? I just wanna be a photographer, man. Showcase the greatest sights in nature. Something you are working on right now: Sigh, losing weight. My fucking weight jumped up like three pounds at the doctor today only since like maybe two weeks ago and I am VERY confused on how and EXTREMELY frustrated. It might just be normal fluctuations, sure, but I just want the fucking numbers to keep going DOWN, not up again. How much does your mother know about your sex life (or lack thereof)? Very little/practically none, save for that I'm NOT currently having sex and never have. I am extremely uncomfortable talking about this topic with my mom of all people. Have you ever used fake tan? OH MY GOD so in high school I went through a streak of putting this tanning lotion on my legs because I was self-conscious of them. Looking back I sure was talented at not blending that shit out well, ha ha. Are any of your siblings married? What are their spouses’ names? Yes; various sisters have husbands by the names of Nick, Josh, and Franky. My only brother's wife is Chelsey. Does your father have any creepy or scary friends you don’t like? Ugh, he did once when my parents were still together. Van was his name. Weird dude. Are you attracted to the last person that you fell in love with? Yes. Is it important to be on a similar intelligence level as the person you’re with? I personally don't think so. What’s your favorite Ben & Jerry’s flavor? PHISH FOOD, FUCK ME UP Were you a planned child? I... think? Would you ever get an eyebrow piercing? If I didn't have glasses, I would actually get one. So, what are your plans for the near future (a year)? I would LOVE to just have a fucking income. Even just a TINY one with pictures every now and again, maybe. I hope I'm way smaller weight-wise and for the love of FUCKING GOD I hope my legs have improved considerably. I DO NOT know how I'm still walking at all, it is pure fucking determination. What’s something you wish you’d never seen or heard? Ha ha I'm sure there are technically worse things, but the first thing that came to me was knowing botflies exist and seeing one pulled from a man's back (on video, anyway). I would rather fucking DIE. Who was the last person you saw a movie at the cinema with? Who paid? Girt, and me because it was my date idea for us. He typically pays for everything and I HATE it so I used some money I had left over. Do you message friends and family on Facebook regularly? Not really... but I probably should more. Name three countries you would love to visit. South Africa, Germany, and maybe Scotland. Do you still have a landline phone in your home? No, we haven't for a very long time. What is your favourite brand of shoes? Not really. Have you ever built a snowman? I have. (: I have great childhood memories making them with my sisters and dad while Mom would be inside making hot chocolate or snow cream. Snow days as a kid were the ABSOLUTE best. Have you ever had something signed by someone famous? What and who? No.

[olko71]

New Post has been published on All about business online

New Post has been published on http://yaroreviews.info/2021/05/consumers-feel-the-pinch-as-prices-rise

Consumers Feel the Pinch as Prices Rise

Americans accustomed to years of low inflation are beginning to pay sharply higher prices for goods and services as the economy strains to rev back up and the pandemic wanes.

Price tags on consumer goods from processed meat to dishwashing products have risen by double-digit percentages from a year ago, according to NielsenIQ. Whirlpool Corp. WHR 1.09% freezers and dishwashers and Scotts Miracle-Gro Co. SMG 1.53% lawn and garden products are also getting costlier, the companies say. Some consumers are feeling stretched.

Kaitlyn Vinson, a program manager in Denver, said her recent $275 bill at a Costco Wholesale Corp. COST 0.41% store, which included razors and cotton pads on top of her typical grocery list, was more expensive than usual. Ms. Vinson said she switched from buying fresh to frozen fruit and vegetables because they are less expensive and last longer.

Kaitlyn Vinson said her recent bill at a Costco store was more expensive than usual.

Photo: Anthony Barbato

“We’re sacrificing the food that I really like to cook just to be cheaper,” she said.

Costs are rising at every step in the production of many goods. Prices for oil, crops and other commodities have shot up this year. Trucking companies are paying scarce drivers more to take those materials to factories and construction sites. As a result, companies are charging more for foods and consumer products including foil wraps and disposable cups.

Kellogg Co. , maker of Frosted Flakes, Cheez-Its and Pringles, said Thursday that higher costs for ingredients, labor and shipping are pushing it and other food makers to raise prices. “We haven’t seen this type of inflation in many, many years,” Chief Executive Officer Steve Cahillane said.

Investors and economists are watching whether the higher prices drive up broader measures of inflation, which have been muted for years.

Consumer prices jumped 2.6% in the year ended in March, according to the Labor Department, the biggest 12-month increase since August 2018.

As higher costs ripple through supply chains, more companies are concluding that their customers will accept higher prices. “They’ve seen price increases throughout the entire store,” Whirlpool CEO Marc Bitzer said. “I don’t think anybody is surprised right now.”

Warren Buffett, CEO of Berkshire Hathaway Inc., said during the conglomerate’s annual meeting May 1 that the economy is experiencing a substantial run-up in prices. “We’re raising prices, people are raising prices to us, and it’s being accepted,” Mr. Buffett said. “It’s an economy really that’s red hot, and we weren’t expecting it.”

SHARE YOUR THOUGHTS

What items are rising in price in your community? Join the conversation below.

Federal Reserve Chairman Jerome Powell said on April 28 that inflationary pressures resulting from supply-chain problems would likely be temporary and wouldn’t prompt the central bank to change policies aimed to keep borrowing costs down.

Some manufacturers didn’t pass higher costs along to consumers in the thick of the coronavirus pandemic last year partly because they didn’t want to charge people more for staples during a crisis, said Chris Testa, president of distributor United Natural Foods Inc. Instead, many manufacturers pulled back on discounts. Now, some food and consumer-product makers are raising prices by up to 10%, he said.

Costs for apples are up 10% to 20% depending on the variety, said Mike Ferguson, vice president of produce and floral at Topco Associates LLC, an Elk Grove Village, Ill.-based cooperative of more than 40 food companies including grocer Wegmans Food Markets Inc. Bananas and leafy greens are more expensive too, Topco said, while vegetable oils and oil-heavy products like salad dressing and mayonnaise are also getting pricier in part because of higher ingredient prices.

“Our overall goal is to cover cost increases,” said Jon Moeller, operating chief at Procter & Gamble Co. Procter & Gamble is raising prices on baby products, adult diapers and feminine-care brands.

Competitor Kimberly-Clark Corp. said it would increase prices by mid-to-high single digits on Scott bathroom tissues, Depend adult diapers and Huggies baby-care products.

H. Kenneth Fleetwood said he buys fewer brand-name products.

Photo: H. Kenneth Fleetwood.

H. Kenneth Fleetwood, a songwriter in Nashville, said he has shifted to buying more generic staples such as detergent and recently shopped around for a television and monitor for his studio before finding the lowest price at Walmart Inc.

“Penny-pinching is becoming the name of the game,” he said.

Devon Dalton, a sales director in Charlotte, N.C., said he is also buying more store brands and signed up for a fuel-savings program that gives him cash rewards at gas stations after he and his wife recently paid $20,000 more than the listing price to buy their first home.

“Everything is getting a bit tighter,” Mr. Dalton said. “We’re trying to think what would be a good way to stay smart with our money.”

Restaurant prices are rising, too. High demand for wings and a spate of new fast-food chicken sandwiches is pushing up chicken prices. Takeaway containers and coolers are more expensive than usual because production of resin, a key ingredient in plastic, was disrupted by winter storms in the South this year. Chipotle Mexican Grill Inc. said in April that it had raised prices for delivered food by 4%.

Patrick and Khisna Holloway treated themselves at a restaurant recently.

Photo: Patrick Holloway

Kevin Hourican, CEO of food-distributor Sysco Corp., said that even at higher prices the pent-up demand for restaurants is enormous. “People feel bad for their local restaurants. They want to support them,” he said.

Khisna Holloway, an office manager for a school in Los Angeles, recently ate at a Mexican restaurant with her husband for the first time in more than a year. She noticed her preferred combo of cheese enchilada and chili relleno cost about $4 more than the last time she visited. She didn’t mind.

“It felt like a treat,” she said.

Some people are delaying purchases, hoping prices will recede.

Nick Davison said he bought a graphics card for his computer for about $400 in February 2020. He said similar components now sell for more than $1,000 on eBay. He wants to build a second computer to mine cryptocurrency, but plans to wait to see if component prices decrease.

“It doesn’t seem smart to spend that much money on something that may go down in the future,” he said.

—Sharon Terlep, Annie Gasparro, Austen Hufford and Chip Cutter contributed to this article.

At The Wall Street Journal’s CEO Council Summit, Janet Yellen expressed her confidence that the U.S. economy and employment will return to normal by next year.

Write to Jaewon Kang at jaewon.kang@wsj.com

Copyright ©2020 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8

[hkvoyage]

Fic: Butterfly Wings - Chapter 40

Story summary A fashion blog started at University launched Blaine Anderson’s fortune and fame. As Vogue’s new editor-in-chief, he is struggling to find an original angle for an upcoming issue. Kurt Hummel has recently arrived in New York City after finishing high school, and is having no luck building a musical theater career, so he decides to explore another passion of his: fashion. He applies for an internship at Vogue, and Isabelle sees in him the perfect fresh face to liven up the magazine, and convinces him to try out as a model. Kurt meets Blaine, and in spite of their 10-year age difference, sparks fly. Can they overcome misunderstandings and sabotage to find their happily-ever-after? Klaine model AU. Rating for this chapter: Mature (overall story is mature) Word count for this chapter: 4,946 Can also be read on A03 / FF Masterpost is here. The fantastic story artwork produced by Cassie at @cc-graphics  can be here.   Thank you to the amazing @lilyvandersteen for the beta work and support. ***** “The success of Yoga does not lie in the ability to perform postures but in how it positively changes the way we live our life and our relationships.”  - T.K.V. Desikachar August Blaine enters the penthouse early in the morning and sets down his carry-on suitcase. It was a hectic three-day trip, but it was so totally worth it. Kurt has been really busy with his summer courses, spending every free moment at the FIT jewelry workshop. Instead of sitting home and feeling sorry for himself, Blaine had decided to fly to LA while Kurt finished the final coursework. “Is that you, Blaine?” he hears Kurt calling out. Soon he has an armful of Kurt, who wraps his legs around Blaine’s waist. “Good morning, my love. God, I missed you so much,” Blaine murmurs, kissing Kurt and holding onto him tightly. If this is the welcome home he gets, then Blaine thinks he might have to take a few more short trips away.

“I’m so happy you’re home. I missed you too. Let’s have breakfast and you can tell me all about your trip.” Within minutes, Amy has the table laden with blueberry pancakes, bacon, fresh fruit salad, freshly pressed orange juice, and a pot of coffee. “All my favorite foods! You spoil me, Amy,” Blaine declares, starving after the red-eye flight he has taken. “Kurt isn’t the only one who misses you when you’re away, Mr. A. Unless you need anything else, I’m off to the Greenmarket over in Brooklyn. I hear this season’s Georgia peaches are in. I won’t be back until 1 p.m.” When Amy has left the penthouse, Kurt bursts out into laughter. “What’s so funny?” Blaine asks. “The Greenmarket isn’t open today, and I spotted a boxful of peaches in the laundry area last night. Amy is making herself scarce to give us some alone time. Now, tell me all about the trip.” “Sam and Mercedes are doing fine, although they haven’t had much sleep since the baby was born. I insisted on doing all the middle-of-the-night feeds. Monica is so gorgeous and sweet that I almost packed her into my suitcase to bring her home with me. I swear she smiled at me, but Mercedes insisted that it’s too early for that.” Blaine hands over his tablet so that Kurt can see the hundreds of photos taken over the three-day trip. Most of them show Blaine positively glowing with a baby in his arms. “Did you finish your end-of-term projects?” “I handed them in yesterday afternoon. I’m rather proud of the jewelry designs.” “You’ll have to show me later, maybe after 1 p.m.? I can think of a few other ways to spend the next four hours before Amy returns,” Blaine whispers hotly into Kurt’s ear. ***** Blaine enters Le Bernardin, and the maitre d' whisks him off to a table in the center of the restaurant, where Sebastian is waiting for him. “Sebastian, good to see you. I can’t believe you managed to book a table here at such short notice.” “You’re not the only one who has connections. When I told them that my guest would be Blaine Anderson, they practically wetted themselves thinking of the publicity that the restaurant would get with us dining together.” “I guess that explains the high-profile table,” Blaine chuckles. They select their seafood courses from the prix-fixe menu, and two glasses of Krug champagne that Sebastian had ordered earlier are poured. “I’m surprised that Tickle-Me-Doughface let you join me for lunch,” Sebastian smirks. “Do not call Kurt that,” Blaine growls. “If you’re just going to throw insults at us, I’m leaving.” “Okay, simmer down. I didn’t think that would hit a nerve.” “Well, it did. Treat my boyfriend with respect. So why did you invite me to lunch, Sebastian?” “I read the interview that was in Vogue’s June issue. Frankly, what you said about us surprised me.” “I thought it would. You see, Sebastian, in a weird way, I think you bring out the best in me at work. I know how smart you are, I know how you operate and I try to keep up. It focuses me to make Vogue the top-selling magazine.” “It’s working. Elle’s circulation numbers are down since Kurt left. Maybe if I pretend to be your friend, you’ll take the eye off the ball,” Sebastian snorts. “I’m tired of playing games with you, Sebastian. I don’t think there are any winners in the end – just other people like Chandler and Kurt that get hurt by our tactics. Let’s call a truce.” “I can’t promise that, Blaine. After all, my number one goal is to have Elle on top. What I can promise you, though, is that I’ll make it less personal. Believe it or not, Blaine, I admire you as well.” The first course of raw oysters is served, and they eat and chat about the Monarch Foundation. “I really appreciate your generous donation, Sebastian. We’re using the money to buy a property in Defiance, Ohio.” Sebastian laughs. “I love that my money will be used for a Monarch House in a town called Defiance. It pretty much sums me up, particularly when I was a teenager.” “I can’t imagine what you got up to in Paris, before attending Dalton,” Blaine remarks cautiously, not sure where this conversation is heading. “Oh, it started way earlier than that, Blainey. The summer before starting high school, my father got me a job at the State Attorney’s mailroom. There was a really hot college intern who started hitting on me, and we messed around. One lunchtime, the state attorney general himself caught us in the mailroom - I was fucking the intern’s brains out. Later, the intern claimed I was raping him and he wasn’t gay.” “You were the one underage, not him. What he did… It’s called statutory rape!” Blaine exclaims. “I wasn’t in the position to argue finer legal points with the state attorney general, was I? The way he and my father saw it, I was the aggressor, because I was topping. To make matters worse, I hadn’t come out to anyone! The state attorney general conveniently found a one-year position in Paris for my father at the Bureau du Procureur. The next week, we were on the plane.” “That sounds awful. I can’t imagine going through that at fourteen years old.” “My parents said I was a disgrace to the Smythe name and enrolled me in a French boarding school. I decided right then that I couldn’t ever depend on anyone but myself. At school, the French boys were attracted to the new American boy, and I fucked them all – it made me feel powerful. Once the gossip calmed down, we returned to Ohio, and I was enrolled at Dalton.” “Wow. I didn’t know, Sebastian.” “I think it would really have helped if there had been a place like the Monarch House I could go to that summer when I worked in the mailroom. I think I would have come out to my family before the scandal happened, and I would have known what to expect when it came to sex.” The main course of Dover sole is presented, and the conversation turns light and breezy, remembering Warbler antics and updating each other with news in their lives. When they’ve finished their meal and walk out of the restaurant, there are dozens of paparazzi taking photos of them. Sebastian and Blaine smile for the cameras and joke about their friendly rivalry. When Sebastian goes to shake Blaine’s hand, Blaine pulls him in for a one-armed hug, and the paps go wild, because it’s the exact same pose as the photo taken during their Dalton years that was featured in Vogue. Once Blaine sets off in a separate direction from Sebastian and turns the corner, he whips out his phone and sends Kurt a text. Lunch with Seb went great. Paps swamped us at the end. We posed for pictures. Blaine certainly doesn’t want Kurt to misinterpret the photos that are probably already on Twitter. Blaine realizes how far they have come in such a short time when he reads Kurt’s reply. Yeah, I’ve seen them. You are so much hotter than Seb ;). Fans think Klaine rules over Seblaine. I do too! K xx. Weeks ago, the paparazzi discovered that Kurt was his boyfriend, when he left Blaine’s apartment building one early morning to go to class. Initially, there was a media frenzy, and Blaine had insisted that Bentley drive Kurt to and from FIT. Once the media realized that he and Kurt did everyday things – and didn’t have public sex in nightclubs - they soon got bored of following them and turned their attention to an actor who insisted he was straight, but acted like a tart at gay clubs. Blaine checks his watch, and it’s 2:30 p.m. There’s nothing pressing at work, so he decides to go home and start the weekend early. Kurt is spending the day browsing the vintage jewelry and antique shops in the Village to get inspiration for future designs. When Blaine enters the penthouse, he immediately goes into the kitchen to let Amy know that he’s home. He can’t find her, but notices her laptop open on the kitchen counter. Amy uses it to find new recipes on the Internet. Blaine walks over to the computer to see what’s on the menu for tonight. However, Blaine notices that instead of a recipe, a Word document is open. Kevin licks his lips when he sees Brian’s hands and feet tied to the bed, spread out for before him. Brian is in for a very long night, and if he’s lucky, Kevin will let him cum. Kevin pulls out the large chest from the closet and slowly opens it. He can sense that Brian is watching every move that he makes. Kevin bends over, making sure to show off his ass, and takes out a blindfold, gag, and leather restraints. It’s going to be a long night of pleasure and pain. Brian whimpers when he sees… Blaine doesn’t recall an e-mail notification that KrianFeels has updated the Breakout fic, and then it dawns on him. “Blaine! I wasn’t expecting you home so early. Is everything all right?” Amy asks as she walks into the kitchen. “You’re KrianFeels!” Amy blushes profusely and grabs the laptop to snap it shut. “All this time, you knew that Sam and I read KrianFeels’ stories. And it was you! How did you even…?” Amy sighs. “I guess I should start at the beginning. When you and Sam started reading Breakout fics, I went on the Internet to check them out for myself. I thought they were pretty lame – way too romantic and fluffy for my liking. Then I created a username and went on to Tumblr and discovered the kink meme board - that was a real eye opener. I decided I could do a much better job of it, so I started writing fic. You and Sam loved the stories so much that I kept on writing.” “How do you even know about these things? You’re not even gay!” “Hey, you don’t need to be a murderer to be a mystery writer. I research on the Internet, chat online with Tumblr friends, and I read stuff. I might be middle-aged, but that doesn’t mean I don’t have a creative and active imagination.” “This is a whole different side to you that I didn’t know existed,” Blaine laughs, shaking his head. “Don’t tell Sam, Mr. A.! Let me have my fun. He’s my number one reviewer and I love reading his reactions. I try to fill every prompt that he gives me.” “Oh. My. God. You’re JiffyFeels too!” “The one and only. Now if you excuse me, I need to go into the other room and die of embarrassment.” “Don’t do that, Amy. Actually, I think it’s pretty hilarious. Sam and I have always assumed that KrianFeels was a gay man. It’s not going to affect anything between us. I promise I won’t mention it to Sam. Take the afternoon off and go finish that chapter.” Amy gathers her things and waits in the private lobby for the elevator. Blaine pokes his head out the main door and says, “Amy, one more thing. For god’s sake, let Brian cum. He’s been waiting for weeks.” Blaine goes to the piano and starts his warm-up exercises, chuckling at the image of Amy hunched over her computer at night writing gay smut for his and Sam’s enjoyment. A little tune comes into his head, and soon Blaine is working on the chorus.

Well surprise, surprise, surprise Yeah surprise, surprise, surprise Well surprise, surprise, come on open your eyes And let your love shine down Blaine stops when he realizes that he’s started to compose a new song. Yesterday’s meeting at SONY records with Marley Rose and Connor was a real eye opener. When the SONY executives realized that Blaine composed the music for Marley Rose’s ‘All or Nothing’, they offered him a recording contract on the spot. Connor had predicted this, and so Blaine was prepared. 

Blaine informed the SONY executives that he didn’t want a solo career as a musician. He was more interested in songwriting and eventually producing for other artists. He agreed to work with Marley Rose on her solo album, providing songs and back-up vocals where needed. However, no-one was to know that this was Blaine’s work - he would use a pseudonym. In addition, SONY would need to donate 1% of the sale proceeds to the Monarch Foundation. The SONY executives reluctantly agreed to Blaine’s terms. While they wanted Blaine to front his own songs, they quickly realized that Blaine would not compromise on the matter. Blaine wonders how he’ll find the time to work on new songs, join Marley Rose in the recording studio, run Vogue, and spend time with Kurt. He decides to put this dilemma on the backburner until he and Kurt have their holiday together soon. 

***** 

After messing around on the piano, Blaine takes a long hot shower and then lies down on the bed to cool off before getting dressed. His body’s feeling loose and relaxed, and he lets his fingers brush down his chest. The latest installment of Amy’s has him wondering what he and Kurt might put in a toy chest. There’s so many possibilities, so many combinations, so many ways they can make each other feel good. Blaine picks up his phone and sends Kurt a text. Came home early. I gave Amy the rest of the day off. I’m lonely, so hurry back ;) – B xx Blaine thinks of Kurt’s body – the taut muscles of his chest, the biceps, the endless legs, the wide expanse of creamy soft skin. Blaine hugs Kurt’s pillow to breathe in the scent. Blaine imagines how Kurt’s cock feels and tastes in his mouth. God, if Kurt doesn’t get home soon he’s going to explode. Blaine eagerly grabs his phone when he hears a new notification ping. On my way home, lover boy. I’ll see you in 15 min. K xxx Blaine is horny and wants sex as soon as Kurt walks into the penthouse. But pouncing on his boyfriend and fucking him against the wall probably isn’t a smooth move, so Blaine comes up with another idea. ***** When Kurt enters the penthouse, Blaine’s yoga playlist fills the penthouse with music. Instead of wearing his usual yoga gear, Blaine has opted for the tightest fitting pair of lycra shorts that he owns, and no shirt. Blaine is sitting in the cross-legged ‘lotus’ position, with hands in front of his body as if he’s praying. “Namaste,” Blaine says calmly. Blaine allows his body to flow into the ‘seated twist’ pose, making sure that Kurt gets a little glimpse of his right ass cheek. He then glides down on the mat in time with the music. Blaine places his hands by his side, then presses his feet into the mat and lifts his hips high in the air to do the ‘bridge’ pose. Blaine hears a gasp from the other side of the room, which encourages him to continue. Blaine gracefully rolls to his stomach and places his hands a few inches in front of his shoulders. With one quick move, he jacks his ass up into the ‘downward dog’ pose. Blaine is physically prepared for Kurt to ravish him, and disappointment sinks in when he hears Kurt sit down on the couch, which is in the opposite direction of his ass. Still, he has one more trick up his sleeve. Blaine drops from the pose, curls his body into a ball and turns 180 degrees so that his face is in the opposite direction of Kurt. He slowly rises to his feet and stretches his arms above his head. He spreads his legs three feet apart, lowers his upper body, and clasps his ankle into the ‘standing straddle forward bend’ pose. Blaine can hear Kurt’s heavy panting for a minute, but there’s still no action. Blaine carefully moves his right hand and brings out the condom and packet of lube that he placed under the yoga mat earlier, making it even more obvious what he wants. “God Blaine, you really want me so badly. Take off your shorts and get back in that position,” Kurt says in a low authoritative voice. Kurt’s command goes straight to Blaine’s cock, which is leaking with precum. Usually, Kurt is so quiet during sex – breathy sighs and muted grunts – but this Kurt turns him on. Blaine peels off the lycra shorts, taking his own sweet time to slowly reveal his ass. He tosses the shorts aside and gets back in his previous position, taking deep breaths to ready himself for Kurt’s fingers. He can hear Kurt take off his shirt, undo his belt, and unzip the fly of his trousers. Just when the suspense is killing him, he feels soft lips kiss on his ass instead of the fingers he expected. Holy shit! Blaine’s arms tremble as Kurt gives him kitten licks around his puckered hole, squeezing his ass roughly. The combination of the rough and the smooth sensations is turning Blaine on, and he lets out a groan. “Oh my god… That feels fantastic… Kurt… Don’t stop… ghh…” Kurt flattens his tongue and takes a long swipe from his hole down to his balls. Kurt takes one in his mouth and slowly sucks, while his finger is circling Blaine’s hole. “Fucking hell… I need something inside me… More!” Blaine cries out. Kurt rolls his tongue and thrusts it as deep as it will go inside him. Every nerve in Blaine’s body is on edge. When Kurt slips a finger inside next to his tongue, Blaine whimpers at the feeling. Soon Kurt has three fingers inside, twisting and rubbing his prostrate. Blaine’s entire body trembles and drops, not able to hold the position any more. “I’m sorry.’ Blaine sobs. “Maybe if I do the advanced yoga class…” Blaine can feel the weight of Kurt’s naked body over him, and gentle kisses along his shoulders and neck. It grounds him and makes him feel safe. “Don’t ever say sorry for what you need or what you can’t handle. I need to know what makes you feel good. Now tell me what you want.” Blaine’s cock is still throbbing, and god, he wants more. “I want to feel you inside me so badly. I want… I want you to claim me as yours. If you don’t fuck me right now, I think I’ll die. I’ve been fantasizing about it since I got home.” Kurt pushes off Blaine’s body and orders, “Then get on your knees.” Blaine’s haste is almost comical as he scrambles onto his knees. When he hears the condom wrapper crinkle, Blaine moves his hand to his cock. “Don’t touch yourself. That belongs to me… You belong to me,” Kurt growls. Blaine’s heart starts racing when he hears those words. Kurt’s cock quickly but smoothly enters him, and in this position, Blaine feels claimed. Once Blaine nods, Kurt starts thrusting quickly and holds on to Blaine’s hips for leverage. “Look at you taking it, Blaine. That tight little hole of yours is made for me.” Blaine moans and starts babbling, pushing his ass back to get even more of that incredible feeling. Kurt changes the angle every few thrusts until his cock finds Blaine’s prostrate. “There, Kurt!... Right there…. Don’t stop… Fucking Incredible…” Kurt leans forward and takes Blaine’s cock in his hand. “You are mine, mine, mine… No-one else will hear your moaning. No-one else will see you like this. No-one else will ever have you. Mine! Mine! Mine!” When Kurt twists his wrist at the top of Blaine’s cock, Blaine screams at the top of his lungs. There are streams of thick white cum shooting across the yoga mat. Blaine can feel Kurt go still as he orgasms ten seconds later. Once Kurt pulls out of him, Blaine collapses to the side of the mat. “Oh my god, Kurt. You were amazing.” “You were pretty amazing too. I think we ruined your yoga mat.” “I’ll buy a dozen more tomorrow. When you talked dirty to me… Wow, I wasn’t expecting that.” “Neither was I,” Kurt replies. “But I could tell that it really turned you on.” “You know, Kurt, I don’t always want sex fast and rough like that. I also love it when you’re caring and gentle, but what made it really special was that you did it for me.” “Hey, I had an incredible orgasm too. I like trying out different things with you. I love you.” “I love you too.” ***** Kurt drives up I-87 through the Catskill Mountains and Albany, and then keeps heading north. They stop at Mrs. London’s Bakery and Café in Saratoga Springs for lunch. “Oh my god, Blaine. I haven’t had a baguette sandwich this good since I was living in Paris.” “Saratoga Springs is an excellent choice, Kurt. The flat track horse racing is still going on and the Philadelphia Orchestra is currently at SPAC for its summer season. Where are we staying?” “We’re not staying in Saratoga, Blaine. It’s too busy and expensive in August. Besides, there’s media everywhere, what with Marylou Whitney and other high society people staying at their mansions for the month. This is just a lunch stop.” While Kurt is buying a dozen pains au chocolat from the bakery to go, Blaine wonders where they could possibly be going, because they are very close to the Canadian border. “Umm, Kurt. I don’t want to be a killjoy, but I didn’t bring my passport.” “You won’t need one, silly. But I promise it will feel like we’re in a different country because where we’re going is nothing like New York City.” They get back in the car and return to the Northway. They are soon in the Adirondack Mountains and leave the highway a few exits past Lake George. Blaine spots a sign that says “Welcome to Schroon Lake. Population 1,654.” Kurt drives on the road that borders the lake, then takes a right hand turn onto a short gravely drive. Blaine gasps when he sees what’s in front of them. There’s a small cute two-story log cabin with a wrap-around balcony on the top floor. In the front yard, there’s a campfire area surrounded by comfy-looking chairs. The sides and back of the cabin are completely surrounded by pine and maple trees, giving them privacy. Kurt rushes up the stairs on the side of the cabin and takes the key from under the welcome mat. Inside, the main room has a kitchen, a dining area and a living space with comfortable looking chairs and a sofa. There’s an old-fashioned cast iron wood-burning stove in the corner to keep the cabin warm during cold winter nights. Kurt opens the French doors that lead out to a balcony to take in the beautiful view of Schroon Lake. Blaine stands behind Kurt and wraps his arms around him. “I can’t believe that we’re still in New York State. It’s perfect. Where did you ever find this place?” “I had coffee after class with Nicole a month ago, and she was telling me about upstate New York, where she’s from. She showed me pictures of her aunt and uncle’s log cabin in the mountains, and it looked perfect for our getaway this month. Nicole contacted her aunt, and here we are,” Kurt explains. They explore the rest of the log cabin. There are two bedrooms and a bathroom on the main floor. They climb down the steps to the lower level and find a pool table, bunk beds, an old sectional sofa, and a large flat-screen TV. Kurt has packed for both of them, and when they go to unload the car, Blaine is surprised to find a large ice-chest and a half-dozen recyclable bags filled with groceries. “I knew we would be in the mountains, so I had Amy buy food supplies and prepare a few meals in advance. I can think of a hundred other things I’d rather being doing instead…” Kurt pulls Blaine in close and whispers “… with your body.” An hour later – after they’ve christened the pool table – they unpack their things, and Blaine fires up the BBQ while Kurt prepares a salad to accompany the lamb kebabs Amy prepared for them earlier. After dinner, they make a campfire and toast marshmallows for s’mores. Blaine loves the sticky kisses he gets after they’ve eaten the sweet treats. After adding a few logs to keep the campfire going, Blaine sits on Kurt’s lap, who’s positioned in the huge cushioned wooden Adirondack chair. Blaine nuzzles into Kurt’s chest, watching the sparks fly up from the fire and listening to nature’s sounds around them. “There’s lots of things to do in the area, Blaine. There are water skis and fishing rods to use with the boat if we want to. There’s tons of walking trails in the mountains. If it rains, we can go to Lake George and go shopping at the outlet mall and hang out in the indoor arcades. If we drive thirty minutes, we can…” “Do you know how much I love you,” Blaine interrupts. “I can’t believe you organized such a perfect vacation. There is nowhere I’d rather be right now than in your arms.” “I love you too, Mr. Cheesy. Is it okay if we talk about something that I’ve had on my mind lately? It’s about next week and starting back at school again. There’s a change in my plans.” Blaine nuzzles further into Kurt’s chest, worried about where the conversation will go. He’s been so happy living with Kurt these past two months, and Blaine doesn’t want it to ever end. Could this idyllic vacation be over before it really started? Blaine nods his head and whispers, “What change in plans? I thought we were happy together.” Kurt squeezes Blaine tightly. “Oh god, that didn’t come out right. We are happy together. I’ve never been happier in my life than during the past two months. It has more to do with FIT.” Blaine lets out the breath he’s been holding, relieved that Kurt isn’t breaking up with him. “I went to my academic advisor yesterday and told him I was changing my major. I want to study jewelry design. I loved the summer course, and there’s something about creating a work of art from metals and different color gem stones that people can wear that appeals to me. It’s really sparked something inside me. Now, when I look around, I see inspiration everywhere for brooches, rings and the like.” “I’m not really surprised. The things I had to do this summer to convince you to leave the jewelry workshop at FIT. I love the jewlery you’ve created and I think you have a special talent. And trust me, I see a lot of jewelry come across my desk at Vogue, so I know what I’m talking about.” “You don’t think I’m too fickle, changing my major?” “Nonsense, Kurt. You’re following your gut feeling about what’s right for you. I’ve been giving a lot of thought to what I’m going to do as well. I’m thinking of really giving songwriting a go. I have enough ideas for songs to put together an album and I want to spend some time with Marley Rose and flesh them out. I think she has the perfect voice for them.” “That’s fantastic, Blaine! Pretty soon you’ll be giving up your day job and pursuing your music.” “I’m not sure about that. New York City’s pretty expensive, and I still need to pay the mortgage.” “New York City is expensive when you live in a penthouse, and have a driver and housekeeper. But we don’t need to have that sort of lifestyle. Honestly, Blaine, I would be happy living in a shoebox as long as we’re living together.” Blaine suddenly sits up and wonders if Kurt really means it. When he looks at Kurt, he sees a warm hopeful expression. Kurt’s eyes are sparkling, and he’s wearing the same large smile that he had on the first day Blaine met him. “Do you mean…?” “Yes, Blaine. I want us to live together, now and for always. I like spending time with my best friend, my lover, my prince charming. I’ve been crazy happy since I returned to New York.” “Me too. I love living with you, Kurt. I can’t wait to get home each day to spend time with you.”

Kurt slaps his forearm and brushes off a dead mosquito. “Let’s take this inside before I’m eaten alive by bugs. I can think of a lot of ways we could be celebrating.” Author notes Song Blaine starts to compose - ‘Surprise, Surprise’ by Bruce Springsteen

Did you guess the identity of KrianFeels? Next up:  the last chapter (there’s also an epilogue).

[douchebagbrainwaves]

FORTUNATELY, THERE WERE FEW OBSTACLES EXCEPT TECHNICAL ONES

And it's clear why: there are an increasing number of things we need it for. Look in the mirror. But other considerations can outweigh the advantages of developing Web-based application is not a reference work. You might even know about a release. If you give up most of the change was due to legislation, of course, but the Internet got me because it became addictive while I was using it. The more anomalies you've seen, the more hooks you have for new facts to stick onto—which means you accumulate knowledge at what's colloquially called an exponential rate. It would be a much more powerful server, with SSL included, for less than we paid for bandwidth alone. They would call support in a spirit more of triumph than anger, as if they had scored points off us. Investors and analysts would ask us what we had planned for the future. There have probably been other people who did this as well, you're more likely to make angel-sized investments than they were a year ago.

And eventually I'd forget that Hilbert had confirmed it too. So if you want to predict what the future of venture funding will be like, just ask: how would founders like it to be? The best intranet is the Internet. Both customers and investors will be feeling pinched. Maybe I can't plead Occam's razor; maybe I'm simply eccentric. The most obvious difference between real essays and the things one has to write in high school. So investors who won't invest unilaterally will have lower returns. Most investors know this m. But between the two I like Calder better, because his work seemed happier. Mihalko, everything was different.1

This won't be a change, because the suggestion of stopping gets combined in your mind with the imaginary high price you think they'll offer. But they were still only about a tenth as motivated as the startup. In 1980, it was a new type of investor: the super-angel, who operates like an angel, but using other people's money, like a dangerous toy would be for a toy maker, or a salmonella outbreak for a food processor.2 It would be exhausting to read. The most obvious difference between real essays and the things one has to write in high school. As a founder, you're buying stock with work: the students are imitating English professors, who are imitating classical scholars, who are merely the inheritors of a tradition growing out of what was, 700 years ago, fascinating and urgently needed work. So it does matter to have an explicit belief in change. And they're justified in doing so with opinions about things that seem wrong, you'll find you worry much more about getting things right than most people would agree was absurdum. More precisely, the trick is to pay careful attention to how you qualify what you say.

10 others from happening, but they are at least declining gracefully. If some new technique makes solar cells x% more efficient, that seems strictly better. For example, I've always been fascinated by comb-overs, especially the extreme sort that make a man look as if he's wearing a beret made of his own hair. In a lot of time thinking about server configurations. And yet this principle is built into the very structure of the things they teach you to write about x? With the rise of Web-based application. It was during the trough after the Internet Bubble that it became trivially cheap to start a startup now, because writing applications for them seemed an attainable goal to larval startups.

At one point in this essay I found that after following a certain thread I ran out of ideas. Technological progress means making things do more of what we want. About a year ago. When experts are wrong, it's often because they're experts on an earlier version of the operating system works together with servers they control. That's an important difference because it means a startup could do. It's hard enough already not to become the prisoner of your own expertise, but it turned out that many did.3 But it makes deals unnecessarily complicated. And you don't have to know if you bet on Web-based software you can use any language you want. Our only expenses in that phase were food and rent. When you first read history, it's just a slightly more concentrated form of existing Valley culture. And so they're the most valuable sort of fact you can get started, as we did, using a desktop computer.

You notice a door that's ajar, and you can't find another? When we started Viaweb, hardly anyone understood what we meant when we said that the software ran on the server is nothing new. Because I had to ask. Which means it is very much worth reading important books multiple times. Which seems to me exactly what one would want to be canaries in the coal mine of each new addiction—the people whose sad example becomes a lesson to future generations—we'll have to figure out what. And that could be bad for VCs. The other is the sense we mean when we talk about the normal operating range of a piece of software had to be a comeuppance for the west coast has just pulled further ahead. One of the tricks to surviving a grueling process is not to run unnecessary utilities that people might use to break into your servers. I remember once complaining to a friend at Google about some nasty trick their corp dev people had pulled on a YC startup. You could do it in a bank?4

Notes

The late 1960s were famous for social upheaval. This trend is one of his professors did in salary.

Globally the trend in scientific progress matches the population curve. They're often different in kind when investors reject you. 5 was released. If idea clashes became common enough, but as a rule of thumb, the task at hand almost does this for you?

The key to wasting time is distraction. The continuing popularity of religion is the same as they are bleeding cash really fast. The number of situations, but Javascript now works. What was missing, initially, to sell something bad can be fooled by the size of the ingredients in our common culture.

If anyone remembers such an interview with Steve Wozniak in Jessica Livingston's Founders at Work. If Paris is where product companies go to die from releasing something stable but minimal very early, then you're being starved, not competitors.

Thanks to Emmet Shear, Dalton Caldwell, and Garry Tan for reading a previous draft.

[top1course]

Steve Jobs Marketing Strategy – Sell Your Ideas the Apple Way – Dan Lok

If you’re ready so, now there’s a new movie coming up in October, call Steve Jobs, steve Jobs, double those of you who know me I’m a huge fan of Steve Jobs, i’ve read his book like Polly, 5/6 *, so that’s a new movie coming out called the man in the machine call Steve Jobs apparently there was an otter, steve Jobs movie a couple years ago yes, you seen that before, yeah so apparently this movie They said that, i’ll from the people working apples that that this is a more accurate representation of thief, actually say that when they washed the movie, steve, the thing is Steve so that’s pretty incredible, interesting to do maybe a a short keynote on Steve Jobs and on, marketing and one of what makes Apple so successful, and what makes them different from any other companies and more importantly how does that apply to you, What type of Interest, and again this is just from my own perspective by what perspective, my observation is and I will do it in a way that, cuz he was in the computer business, software business, you see as I share with you these things can can be applicable to you doesn’t matter what business you’re in, so Steve Jobs the secret to Apple’s marketing genius, now when I say apple what kind of company did I ask you the question what kind of company is Apple, what would you say y’all the answer, what pieces, okay, lifestyle okay, culture okay, information Innovation yes, cool brother, design okay good, all challenging status quo, style okay very cool, using directive how many PC users, okay how many of your Apple how many volts, how do you do both, like how do you do both, statistics about Apple so in case, Of course you know it’s very profitable, everything hell yeah but you might not know actually exactly, we know that there are nowadays are there a lot of retailers that struggling and it states that thousand, thousands of retailers going out of business yes or no, aldair retailers going out of business in Canada, name some of them Sears, dallas, max, mcDonald’s closing some of their shop yes stores yet, okay yeah okay, second City, zone e s no let me ask you a question, small companies of a company’s so even big companies are having a tough time with this economy, what is going on, no in spite of apocalypse, aldi’s bajor changed not just a certain sector, across different people company been around a long time you see them for 5 10 20, bam overnight, not one store, how many stores, 100000 Long View Farm Shop Yorktown closing., socialproof time, how to apply for small business, Small companies what do we have to do what we have to be aware of looking at this as a small business.

What do we have to be aware of, change yes, innovation yes, emerging technology s, customer needs female where being able to yes, relationship management very good very good, so without Mystics I pulled, fuel by the popularity of the new iPhone 6 gave Apple and even bigger the over other retailers, how many people Apple Store, okay, overall the retailers in productivity with its doors at generating a staggering 4700, $30.82 in sales per square foot, now if any of you understand, that’s how they measure yes earning per square foot, is that a low number is that a like a high number, it is a crazy crazy numbers, i was, when I want a few months ago I was in New York, and I went to this an Apple store right, On 5th Avenue, which bill is very well-known, yeah they’re well-known, and I talked to check it out when it was Winter and I checked the dog winning at the store and was it was a winter and with snow, freezing cold pack, the place was packed, and then later on I went online, that particular store mix, so we’re on Accu-Chek check, i don’t know how much is doing now but they stayed kind of report approximately that Fifth Avenue, about 350 million dollars in sales a year, one store, 350 million in sales, amazing, apple announced Financial results 2015 third quarter, end of June to 27th 2015 the company posted quarterly revenue of 49, 2.6 billion dollars and quality net profit of 9.7 billion dollars, okay, so is this a yes or no, yes or no Revenue, is it applied to my business I’ll share with you, my observation is there are basically and by the way over 200, Building Dalton Casper serve, 200000200 billion in cash that you don’t know what to do with, that’s a lot of cash, yes that’s a lot of cash because apple has a lipid different Google acquisitions, so pretty incredible, five powerful ways how many ways of ways Apple has called, loyal raving fans, lauren fans, so, way to take notes, okay here we go how many people you know the first day of opening a new iPhone I need, iPad or whatever Manu product coming coming out and people line up in front of Apple Store for days, yes, okay so what is a very big, loyal following yes almost fanatic following yes, the questions why doesn’t people lined up to buy Sony products, why doesn’t people want to buy Microsoft products, number one I believe because Apple give people products that exceptionally good, And putting down Lobster make a they make coochie, they make cool ship, not just good product exceptionally good products, if you think about it how many of you use an iPhone curious, okay think about it with an iPhone, it is, actually, but, it is actually, an unnecessary, expenditure, 2 years ago nobody needs, and iPhone, we don’t need an iPhone we need food we need water with each other in iPhone, but nowadays you ask people ok your TV, all your iPhone, pick one, what about iPhone vs your computer which one, computer I told iPhone so you think about it from so what they do, don’t stuff that people actually, don’t really need, but now it’s to a point where we cannot live without, like why oh my God how many of you lose your phone go crazy, you’ll be like, my God right, all my contacts everything I want my business from here so you think about it, People exceptionally good.

How do you make products that are good, a better question would be how good is your product, how good is your service, the point of service, and it’s a great quote by Steve Jobs, it’s really hard to design products by focus groups a lot of times people don’t know what they want until you show, what next, apple so successful is they can predict what the word, predict the needs of the marketplace, what do people want, maybe they don’t even know they wanted yet but how can we create something, exceptional that’s so extraordinary that, when people see it they would be like wow I didn’t expect that you could, i thought this the phone but, full music internet, it’s not just a phone, steve Jobs, number to the parts of fun and easy to use AKA in a cell, Article that iPad, wheelie is Child’s Play more than half of these babies use Apple tablet when they’re just one, one, so they make it very very easy use, intuitive one time I was going to my friend’s house having dinner, and his son was, 6 years old I think 67 years old back then, and then my friend that dad was telling him all go back to the room don’t leave candy and which is kind of, talking to the kids, okay, and I was like, listening listening and finally the cables like, like that so that. That was pretty funny but how how did the kids learn how to do that, hello, that’s it swipe, are the kids from using iPad for 2 years, janSport music, so, the question is how can you you make your product and services, more simple to understand, It’s what you doing to complexes you offer to complex, because complexity is the enemy of execution, complexity is the enemy of what, of what, execution so, i always say this Genie is just what, genius in simplicity, so how can you make what you do simple, 50 weeks ago I was in a business meeting and there was another entrepreneur, talking about one of his Venture and talk about the picture me on a deal, and he was explaining to me, and he said it gave me up like a 5 minute elevator pitch and I said I don’t quite get it, and he’s I need more time like I need an hour to explain this to you, explain this to me we’ve got a blah blah, help me fall what I’m saying if you can explain what the heck you do forget find Minute in 1 minute, we’ve got a father, Don’t even have one minute, the attention span is so short, want me to forget about it and I always say, you don’t have a business, you should be able to simplify a tickly what you do, very very simple, an approach that most people understand, and he’s what Steve Job has to say simple can be hotter than complex you have to work hard to get your thinking, lean, to make a simple, what is worth it in the end because once you get there you can move mountains, so whatever you’re offering how can you make it simple your Machina message, can you simplify whatever you offer how can you, mickey Mickey very simple no baby whatever you offering your product and services, could there be incidents where it is a complex, yes or no, if it is a complex offer what you want to do if you want to show them everything that you do and everything, The apartment service capable of right now.

So you can pick up bits and pieces of it that you know that you don’t let me simplify, let me make a compelling and just make that your front end offer, so that they get a little bit it’ll taste of what you do and they showed them a little bit more you show them a little bit more, all the things you could do for you, is what all my company can do for you, when I get to Duke operating one of the rule that I’ve learned is when I’m writing my coffee when I’m writing a, what I’m talking my landing page my mocking message, i picture my Prospect is this, it’s my message simple in, enough the Homer Simpson will get it it’s my message compelling enough, If Homer Simpson sitting on the couch, drinking beer watching TV that would compel him to take an action, and by, so I always have that picture in my mind when I’m crafting my message, what Homa understand this, if I know how much time to understand this, i got something, that makes sense, okay take 2 minutes how long, 2 minutes discuss among the table just the first couple ideas of share with you, awesome, so how does this apply to you, does how does it apply to you, house party business, yes, yes, what I do a couple of things of course not even saying is, addicting, in 2-3 years what people want, as far as I’m concerned for mold entrepreneurs, you go where the money is, meaning you look at what people already buying, and then you sell them all of that, versus, i’ve got this part of nobody has it it’s it was revolutionary, When did the Revolutionary I stop listening, nobody’s done this before, like it’s not a plus, because most of the deal that I was involved in that lost money is because of those ideas, because nobody’s ever done this before nobody was seen this before this is going to change, he would because it means that is going to take off a lot of money to educate the market place to buy this, and I don’t want to play the game, business is a matter of, 6 biggest Celtic figures, i want to play that game I want to go with okay people spending money on this, well maybe I can sell something Elizabeth similar can I sell it cheaper, can I can I sell going to make it faster can I make a bigger can I make it, looks different different, i don’t want to challenge in business, Are You the One Challenge, nobody ever done this before, let me do it, coffee kind of money, it’s my ego talking, nowadays, i’m like okay I don’t want to challenge I don’t like the analogy I use all the time on a show there with Benson, if I’m going to find a boxing match I don’t want to fight Mike Tyson, i’m not interested., i want to fight a 10 year old kid, going to rain I win, i want to know if I’m going into this business I’m going to this industry that even though I could be, wrong 50% 60%, and I could have a lot of failures I can make a lot of mistakes, this thing was you work I have enough margin that this thing would work so that’s why I hate low-margin, business because there’s no margin for error if your business only got 10% margin, So I don’t even touch those businesses I want high-margin I want existing demand I want lousy competitors.

I want I want to see competitors the marketing sucks the customer service sucks the product, average making a shitload of money I want to give you that, because I know I can create something better, i know I can provide better service I can provide better experience, i Can Do Better marketing and beat them, i don’t want strong competitors I’m not interested that doesn’t make sense, i just my perspective not saying you cannot do something totally revolutionary I mean I support you for that I’m just saying, i prefer to go with more a proven path because when you go to the bank and deposit a big check, is not going to ask a question, what you think they should make this money, what’s it what’s the original idea, Or did you know I can’t say I can’t accept this deposit, cuz, it’s kind of like it., innovative enough, yes, anyone know how much, but so nobody’s answered that question number three to deliver unique and outstanding experience, from the moment of contact, aKA did deliver holyshit moment, did you live a holy s*** moment is an experience when you go to an Apple store to experience when you buy a knife, iPhone, are you actually just buying a phone, what are you buying, what are you buying, what artificial does he have, what can you do when iPhone, what are you buying, apple ecosystem very good yes, you buy access to Internet access to music you buy access to music, you buy access to what, the everything, it’s not just the phone, is access now to a whole much bigger Apple ecosystem so think of what you, You are doing as a small business you want to deliver value experience more than just your core product, whatever you’re selling that thing that you selling that’s good, but you better be able to add value out of them, beyond just, the thing that you sell, because whatever you said was so limited, your financial planner your real estate agent you are a tech person you’re a person you whatever might be, he’s what we do but what you do is only a out of the thousands and thousands, one need to sell at any given time, so if this is all you do you’re so limited, bush’s hey you know what this is what I do but what you do is not who you are, play Down, what you do is not who you are, a lot of people, know Who You Are, you are who you are, What you do is not who you are, it’s like example, i, people see me and they would think oh Danny says speaker yes, i don’t think of myself as Speaker first of all, i think of myself maybe maybe more like a teacher, i speak, a conferences, but I’m not a speaker, i, can do marketing, but I’m not a marketer, i can write, which of the number of books, but I’m not a writer, i do internal marketing, but I’m not an internet marketer, respond on April 2nd now what I mean by that, what I mean by that, what I mean by that, that’s it nothing more, dim the skill sets out the evolved over the years, tools, on my tool belt, but versus, you looked at that talk to people all I’m a blogger, i only do blogging all I’m a Facebook guy only do Facebook advertising on social media, No I do social media.

Autoblog, i do podcast, i’m all these things and I’m going to be snakes, because they kiss inflexibility is only what I do, who I am who I am I, you’re so limited, so think it’s so what you do we are, will you buy a Matthew Jordan community and you don’t just own computer you’ve become part of the entire Apple ecosystem, the entire Apple ecosystem, uPC office yet, i’m cool right, single disc, legal example, an experience so when can give entrepreneurs group we host a meetings at here Vancouver Club, why do I do it at Vancouver Club how how does that tie in with the experience, siri, about the environment yes, ambiance yes, it’s interesting because, if we talkin about success we talked about entrepreneur we want to impact the world we wanted to say well if you want to provide for family, We want to keep between the income what’s a better place than, a building that has there’s over a hundred years old a hundred years of History, where you have some of the most powerful wealthiest influential, entrepreneurs business people, as members, there’s no place like this isn’t is it it’s an experience yes, i could have done in a McDonald, how to do the same speech, do we get heated whatever makes sense, with what you do think of how can you create a craft and experience an environment that, before they even talk to you when they get in touch with you, don’t they have a, it’s a different experience for him, people willing to pay more for the connection with a person of elevator status and proceed celebrity, people willing to pay more for the connection with a person of elevated status and proceed, Celebrity going back to do business with you and you have your competitor provide kind of similar, same everything but if they perceive you as they perceive you as more, how well-connected they would prefer to do business with you does that make sense, okay and notice I said pre sieve, celebrity, perception, is reality, weepy. My perception is reality, does Steve Jobs have been position at the iconic celebrity in the Apple world in the computer world, not just Steve Job he’s the CEO, he’s Steve Jobs, not if you think of Bill Gates, is Bill Gates wealthy, is Bali wealthier, steve Jobs, but look, look at what they have done Apple has created position, wedding soup. Way better in the Apple world and Bill Gates versus Microsoft, it’s a difference, okay, experience to their retail outlets interesting story Apple, actually, got the idea at first model the store after get the gap, The gap, the CEO of the gab, so actually the gap, how to seal the gap, what’s involved with whole process of creating store cream the Apple Store, and want to make a simple make a queen make it, kind of high-tech, how do you think about it and funny because Apple people actually used to call himself, cuz this phone looks like the gap, remodel what works and the CEO of the Gabby when he was phenomenal and they were involved in the process, so that’s an experience as well, number for Apple has very wisely taking on an overall look at what the computer, figure out what they really want to do with their computers and built a platform around that this is critical, critical, the pocketbook reading predicting the needs right where, the money is where, the cash is Flowing you want to position yourself in front of that have a quote coming up, So Steve Jobs said you can just ask customers what they want and then try to give that to them.

By the time you get it built if you want something you know of course Steve is referring to the tech world is, things change how fast, integro, very fast right there very fast, what is anticipating needs, you think, apple when you buy again which I think was a boy’s brilliant thing they have done is iTunes, because they sell me the song they make money on the front end, how many of you by, apps by the way if you please, how many of you by songs, joe’s Auto on iTunes, interesting, so you don’t just spend the money on the iPhone but you spent a whole lot more money yes, it’s funny I was playing this a game that I don’t play a lot of games but somehow it down with the stupid game anyway, Call The Walking Dead, walking Dead, a man yes awesome so I told my wife Jenny, free game, free game free game, i’m not going to spend money don’t worry I teach marketing I get all the tricks, can you deposit coins and upgrade, how to play the game on him a couple of minutes a day or something like that, weather in the bathroom, play the game, and I hit a certain plateau, but we’re getting killed by these other, enemies Walking Dead The Zombies, promise, 10 bucks, attends whatever little 10:15 bucks, that’s it that’s it, promises Jenny smart, because my iPhone iTune account is hooked up with her account, because if I buy something she’ll know, not a smart idea, stop spend 15 bucks an hour, awesome right, After few more days, couldn’t get through the next level, i’m like hey you don’t with you, oh and you said you need to teach marketing, we want to keep spending money it’s a free game to help you in your bio, lots of Grey I get this that said it’s a stupid game anyway I’m looking for that long this and that right, long behold back and forth this and that I spent about a hundred fifty bucks on the stupid f****** game, free free right now, i’m smart so at the first time is like, 50 X15 pocket bike fakta dispense big box one time the 56, one day, so I know my wife is going to yell at me she’s going to get me one, that’s three times right, if you wanna kill me just kill me once, three transactions one day, salsa Brava, but seriously leaving what you do what is, Define an offer how can you make it enticing it and how can you build a back in and they, services to your customers make it easy for them to buy is absolutely brilliant what can you do, to directly Larvitar customer-based increase your back end, what can you do to directly leverage your customer base increase a back-end and it may not be, core products and services, i’ll still get in may not be you call products and services and maybe somebody else, copart account services, it caught a joint venture is called what, you can put your other people’s parking services and get a cup, cuz your most valuable asset is not your customer service is not your products your customer base, the people to Loyal following, let me ask you a question, the new iPhone 6s is coming out right, how many have an iPhone right now like perfectly good iPhone, How many going to get the iPhone 6s be honest.

Couple people one person two people thinking about it okay, there you go, so even protecting myself and like I just got this phone a couple months ago, iPhone 6s, somebody needed, the camera is a little bit higher resolution, can I get it get it and then the new Apple TVs coming out, can I get that iPad Pro is coming up, can I get that to tell you one thing, no, not at all, go where the money is flowing and then just stand in front of it, simple statement, go where the money is Floyd and then to stand in front of it not where you think it’s going, stephen expect it’s going what it is doing is playing right now and spending money and then just stand in front of it, Are people spending money on Amazon yes or no, are people buy more digital products yes or no, yeah I’ll people buy online courses yes or no, so go where the money is, apple is absolutely and absolutely Shameless and Relentless about self-promotion, akad, so they make the nickel ship they sell cruise ship they deliver holyshit experience, moment and a polyp removed the s*** out of it, a lot of what we do is think about it you are a personal brand what, you are a personal brand regardless if you think you’re one or not, regardless, give you a call, repeat after me, attention, is the new currency again attention is the new currency, what is, attention is new currency, most companies fail because you’re not getting enough attention because of obscurity, people don’t know that their products are not good, not that the service and not with nobody knows who the f*** they are, The marketplace is so much noise they don’t even know, they exist, they don’t even know, this is a loud noise on the internet, how many how many tweeters are there, think about how many Facebook post, because attention is the new currency you can grow your company if you’re not getting attention, ., it is struggling to get customers I could almost guarantee, you not get enough attention to Marketplace, you’re not cutting through the Clutter you are not, wrecking you not standing out in this, noise, so how do you stand out, in Japan now they actually have, this new form of vending machine machine if you want to go buy a bottle of coke and you go there and you put in one, sandpoint right couple bucks, depends on how this new phone language vending machine you go there you press, They play you stand there and you play a commercial, 46160 seconds to minutes and out pops, about to cook, they don’t want your money, the one you attention, your attention given more valuable than money, but that says something, that’s pretty profound you think about it, not so good if you love Coke and you just sit there and there all day and, so they promoted Sheamus with letting self-promotion Donald Trump example, having another presidential yes, not the guy hate the guy doesn’t matter it does not matter there’s something to be learned from him, is Donald Trump famous easy well-known, ecco promoting himself, more than ever, what does that say what when is the best time to do marketing, when you’d only clients, unique lines on my God I need to make that sound when you don’t leak lines when you’re busier than ever, marketing, Not when you’re when you’re desperate.

That’s not, don’t have enough Capital to do so, so Steve Jobs again relentless, promoter, the speech every time the announcement new product, millions of people turn into that, what is a great speaker, the most companies go out of business because of a security so visibility, is more important than ability, disability, no I’m saying so good stop Philip exceptional service, instead of the money where the money is Flowing but I’m saying is disabilities one point in the building, i would consider, local Vancouver even on the internet, i’m relatively well no, do I stop promoting my brand, does this year I’ve done over now I think 1211 book something like that, just this year in the last 12 months I’ve done two more books in the next 6 months I’m going to publish two more books, in August while I was on vacation Alone by podcast short of Titans, In the next 12 months you see that on my YouTube channel probably, just going out there uploading producing, 3 to 500 videos, in the next 12 months, and that’s what I am doing, non-Stop, domination, promotion, personal branding, because when you have that, good things come to you you don’t have to chase deals, is easier when things come to you that you chose videos, yes, so my question to you is then what should you be doing to promote your brand, your Facebook I’m talking to social media I’m talking about your blog I’m talking about all these things, and that’s not even my main business this is on top of running all the companies being a part of the 25 companies, this is the size thing and I do more than probably a lot of entrepreneurs, because I know you by pushing that by you got to cut through the Clutter you got to stand out, By standing out there are bigger opportunities, that more lucrative opportunities and you can impact a lot more people does that make sense, so he’s what you need, pMP personal media platform, personal media platform so what is a personal media platform, i’m talking about your blog, how do I block right now, yes how often update a block, vlog, how many weeks in a month, superstore so you block your Facebook your Twitter on YouTube iTunes podcast, where is your platform, now what is a platform a platform is nothing more than nothing, a community a something that you do, does serve the greater good of others, write this down, a plus one is not something for yourself, because if it’s all about yourself, it doesn’t work you only go so far, so you think of Teresa socialite conference is that a platform yes or no, She’s able to meet other successful entrepreneurs like we’re friends on yes, proctor it’s a platform, if today is just Teresa alone and she goes knocked on doors on these big names, is she going to get the same attention, no because she has this, nASA platform, tucci created the platform first exposed to more opportunities, how many platforms do you have if you’re not getting enough business is your business not going as fast as you want, pretty much I can almost guarantee again, you missing this, it is not big enough, is not wide enough in Tekken twin pack enough people just like your today your Facebook, and so having 1000, like spend 100 thousand likes and fans business, is very simple, but you can still get attention without this, and this thing the problem is it is f****** slow, it is slow, it gives your building a personal media platform, It is slow do you just big one block your phone rings off the hook.

Tempos in the phone rings off the hook, no you got to keep doing and it takes time for some time to pick 6 months I’m going to take it one year, but when is the best time to start, you got a man that you got to keep growing and that’s why I said I promise you right now I’m making this promise, right now my YouTube channel has I don’t know 1000, 1200, 1200 subscribers, apathetic, 1001b on-camera 1200 subscribers, let’s have this conversation again A year later, let’s see how many subscribers I have, am I just do what I say I’m going to do like, i don’t know one video every two months in, 6 videos maybe 10 videos I don’t know, i sent 3 to 500 f****** videos, in the next 12 months, That’s the attitude that’s what it takes, not at all. To Portuguese now that’s what it takes, your computer is doing 10 is doing 20 I don’t want to win my competitor by little bit, i wanted you do 20 I do 200, you do 100 I do 1000, because as I build more than one to figure my personal media platform, easy it is to make money, so take a moment Take 2 minutes yesterday, if you’re a smaller, yes what if you tell me, yes, which you’ve done to the great right now. But what if your small business, tell me, okay, partnerships what do you mean by that, yes, yes, good, so if you don’t have a platform is it a good idea to get on other people’s platform, hello you have to pull people so what I’m doing now I’m on just this week, being on to other podcast being interview, because I launch my podcast, So if I want to grow my podcast what’s the best way I go other people who has a podcast, and then I talked about my podcast and talk about vision and talk about what podcast is about and I go there and I, people a percentage of all I like dad’s message I will go straight to his podcast to, to unlock everything on the people’s platform does that make sense, so that’s perfectly fine, how often do that, us, as much as possible, when do you stop promoting a personal brand, i just always look at Trump, this excerpt from a book about Trump the art of the deal, not very popular, call no such thing, as overexposure, not a book written by him but it’s by a reporter follow him for a couple years, and he was just talking about the whole time is the book is basically, Trump is up, relentless, shameless nonstop self-promotion machine that sprays basically what the book is about, supercell media platform for small business I believe there are 5 Keys how many keys, biggest Ricky’s, you want to be what, be somebody and then you want to do something, and then you want to, be somewhere, be somebody do something be somewhere, how do you beat somebody, give you an example of a block you can see as an expert if you have a book if you are providing education, no videos, somebody somebody somebody, do something means taking that yes, awesome question what are the two businesses, life coaching website design, so in this case you think you’re doing, so you like coach, okay which is better, i’m curious, wikipedia, web design okay, think of what I just said you are not yet you’re not what you do you’re not your business, So look at example.

It’s my brand but all the companies under the umbrella of the personal brand, so, i don’t you call me Rush, i do digital marketing, i have a financial planning business New Zealand I do events, i do publishing, i do a membership site, top Niche membership site we have ebooks, we have, so I’m all these things all these different businesses, but, with my bad back because my personal brand is strong enough, that I could use that to promote all these companies yes, ibiza weather, call Dusty, no no this is this is the action steps, so you offered this caca well now what how to apply disc when I say is you want to be somebody, you by being somebody to easiest way to add value to the marketplace by giving this a easy uke notes right, i getting my education the marketplace before I sell anything else, That position, and then do something everyday everyday if you stood 10 minutes a day promoting a business moving a business for work, weak and out tweeting Facebook something everyday every damn single day. Doing something, the people going to be somewhere I’m talking about this at home, going to be somebody, could you don’t know who we going to meet, you just don’t know who you going to meet, does icracked example met Jeffrey, they doing this massive project together and making this but if, jeffrey want to stay home, do to miss the opportunity so I never to almost I never turned any places, i could be a speaker I could I could get back I could be on podcast, what’s the time unless it’s so small but I’ll do it because I want to always do something and be song, Because I don’t know where that is going to lead to, i cannot predict what that can lead to, i called the unpredictable miracle, you don’t know, but I know by putting myself out there just keep, promoting my myself branding through something be somewhere something would show up is that make sense, and in this case anything show up so I have to be selectively pursue, 2 minutes discussing a table water just wanted a 10 times your finances 10 times, business ten times your marketing ten times your life hit the Subscribe button now.

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[samuelfields]

When Earning $1 Million A Year Isn’t Enough To Retire Early

We know that a $300,000/year household income is pretty middle class if you live in an expensive coastal city like San Francisco or Washington DC.

However, we can all agree that earning $1,000,000 a year or more makes you rich, especially since a top 1% income level starts at roughly $450,000. No household earning $1,000,000 or more should ever struggle unless they leveraged up and their investments imploded.

If you make $1,000,000 a year or more, you’re free to celebrate. Just don’t tell anyone lest you want an ax-wielding robber waiting for you in your living room after an evening of fine dining.

In this post, I’d like to explore the lifestyle of a typical $1 million income-earning household living in New York City. They’ve anonymously shared with me their expenses, and I’ve done my best to tell their story without sharing their exact details.

This post will give you a taste of what it’s like to make $1 million a year. You’ll also get to decide whether making $1,000,000 or more is truly worth the price.

Very Profitable To Make $1 Million A Year Now

After tax cuts were introduced in 2018, making more money has never been more profitable. Not only did the top federal marginal tax rate get cut from 39.6% down to 37%, the income threshold for the top federal marginal tax rate also rose from $418,400 to $500,000 for singles and from $470,700 to $600,000 for married couples.

So, if you’ve been wanting to make over $500,00 a year as an individual or $600,000 a year as a married couple, now is the time to do it. You’re essentially getting about a $15,000 federal income tax break if you make $1,000,000 now versus in 2017.

But as we are all well aware, the desire for money and prestige tends to corrode lives after a certain point. Once you make over $200,000 as an individual or $350,000 as a family, there is no additional happiness that accrues from making more money. Instead, lifestyle tends to deteriorate due to longer hours at the office, more stress, poorer physical health, and less family time.

Rachel Chen is one such person who doesn’t know whether the $1 million lifestyle is worth it. At 45, Rachel is one of several portfolio managers at a small hedge fund with $1.5 billion in assets under management. She toiled as a research analyst on the sell-side for six years before making the leap to buy-side analyst at 28. At 37, she was finally promoted to portfolio manager.

Rachel’s husband, Colin, 41, has been a stay at home dad since their second son was born in 2011. Colin used to make about $350,000 as a strategy consultant, but got tired of all the travel and decided to give up the grind, especially after Rachel started making more. Colin has been working on a non-fiction book to keep intellectually stimulated. But it’s hard to stay focused with the kids and his wife’s robust earnings.

Income Statement Of A $1 Million A Year Household

Let’s take a look at the Chen’s income statement.

Income And Tax Analysis

After maxing out her 401(k) and contributing $6,000 a year to her Health Savings Account, Rachel has a taxable income of $975,500. Her income is in the 37% federal marginal income tax bracket, and she pays an effective federal tax rate of 31%, or $302,405.

Given this household lives in New York City, they pay a State tax rate of 6.85% ($323,200+), and city tax rate of 3.87% ($500,000+). Their effective State and City tax is therefore around 10.71%, or $104,574.

Their total Federal + State + City tax bill a year equals $406,979.

As a W2 wage earner, there’s really no way around this enormous annual tax bill. Due to the SALT (State And Local Tax) limit of $10,000, high-income earners in high income tax states such as California, New York, New Jersey, Connecticut, Oregon, Minnesota, and Iowa lose out. Before 2018, the deduction was unlimited, but subject to Alternative Minimum Tax.

Even though the marriage penalty tax has been abolished for individuals earning up to $300,000 a year who decide to get married, the SALT cap limit of $10,000 is a marriage penalty tax. If you have two unmarried taxpayers both paying $10,000 in SALT, they will get an aggregate $20,000 when they file, whereas if they get married they suddenly lose $10,000 in deductions.

EXPENSE OVERVIEW

Private School Tuition – $100,000/Year

The couple forks out a hefty $100,000 a year for their two sons to attend The Dalton School. Tuition for the 2018 – 2019 school year is $48,450 a student, which includes books, computers/tablets, and lunch. Add a mere $1,550 for fundraisers and miscellaneous stuff and you’re at $50,000 per child.

Given mom and dad went to Yale University, they’d like their children to also go to Yale University. They know that Yale and all the prestigious private schools have a legacy system which gives children of alumni a huge leg up in admittance, no matter their racial or economic background. Some call this affirmative action for rich kids.

Although legacy children have a roughly 3X higher chance of getting admitted than nonlegacy students, there is an understanding that alumni should provide regular donations to stay in good standings. Therefore, Rachel and Colin together donate $5,000 a year.

Finally, the Chens also contribute a maximum gift limit of $60,000 combined to their children’s 529 College Savings Plan. They are fortunate to have paid off their student loans years ago.

Food And Entertainment – $4,583/month

New York City is the best city in America for food and entertainment. Although many in San Francisco might contest this claim, the entertainment part of the equation is truly second to none.

The classic mutton chop at Keens Steakhouse costs $60 before tip and tax. Add on a glass of Cabernet Sauvignon, some creamed spinach, wedge salad, and a 1/2 dozen fresh oysters, and we’re easily talking $150 per person. A meal at one of my favorite restaurants, Le Bernardin, will easily cost $600 for a couple with wine pairing. Have a look yourself.

Le Bernardin, one of my favorite NYC restaurants for $300/person

After a nice meal, the Chens like to hit up a Broadway show. Tickets range from $60 up to $1,500 on average for the latest hot show. But given they aren’t earning multi-millions, they often settle for $250 tickets at most. In other words, a date night out easily costs $1,000+. Good thing they only go to shows about once a quarter because they’re often too busy or too tired to do anything more than have a meal at their favorite local sushi restaurant for $150 total.

When the Chens are not eating out, they’re eating home delivery from GrubHub, or having a simple home cooked meal prepared by Colin. Living in the culinary capital of America is both a blessing and a curse. Both Rachel and Colin are constantly watching their diets and working out so they don’t die prematurely.

Housing – $9,749/month

They own a 5 bedroom, 3 bathroom, 2,700 sqft brownstone in Park Slope, Brooklyn they bought in 2012 for $2,000,000. It was a fortuitous time as their brownstone has appreciated by roughly 40% six years later.

When their first child was born in 2008, they had owned a $1.3 million, two bedroom, one bathroom condo on the Lower East Side then bought in 2004. They realized very quickly that they needed more space for two kids.

Below is an example of a current listing for $3,000,000 that is similar to theirs. 2,700 sqft is perfect for their family of four. They plan to live in the house until their youngest goes off to university in 11 years.

With a loan-to-value ratio of just 53%, they feel comfortable paying down a $1,500,000 mortgage on her $1,000,000 income. They locked in a 30-year fixed interest rate at 4% in 2013 and can comfortably afford the $7,161 monthly mortgage payment, $2,600 of which goes to paying down principal.

Unfortunately, they’ve also got to pay property tax of $17,556 and home maintenance expenses of about $10,000 a year. Things tend to break or leak with old brownstones. They didn’t truly realize how much more it would cost to maintain a larger home with outdoor space compared to their condo in Manhattan. With the SALT deduction capped at $10,000, they will be losing out on thousands of dollars of tax deductions.

Vehicles And Transportation – $2,842/month

Colin is a car enthusiast, and Rachel appreciates the utility and safety of an SUV for her kids. As a result, they own the newest Range Rover Velar and Porsche 911S. The P380 Dynamic Velar is leased for $850/month. The Porsche 911S costs $1,400/month.

The Chens drive their Velar to the Hamptons many weekends during the summer where they rent a vacation house with friends. Colin drives his Porsche to the country club to play golf a couple times a week while the kids are in school. It’s his way of staying in shape and socializing given most of his peers still work full-time jobs.

Range Rover Velar family car for the kids – $78,000

Vacations – $40,000/Year

The Chens take three vacations outside of New York City a year plus a combined week’s worth of local vacation scattered through the year.

Given Rachel works ~65 hours a week, vacations are extremely valuable to her so she can recharge and spend quality time with family.

Rachel has long felt a tremendous amount of guilt for being away from her kids for so long, but she also realizes she’s in an enviable position to maximize her career earnings while the stock market is still hot. Eventually, the market will turn and it will become much harder for her to outperform.

The Chens’ favorite vacation spots are mostly in Europe: Dubrovnik, Almalfi Coast, St. Tropez, Provence, and Mallorca are some of their top destinations. It’s easy to fly to Europe from the East Coast, but every other year, they’ll take a trip back to see extended family in Taiwan. They also love visiting Japan, Thailand, and Vietnam when they can arrange two consecutive weeks off.

Each international trip for a family of four costs rooughly $13,500 for the week. The cost can be broken down as follows: $4,000 – $6,000 for economy class flights, $4,000 – $5,000 for 7 nights at a five-star hotel, and $2,000 – $4,000 for food, excursions, and souvenirs.

The remaining $5,000 out of their yearly $40,000 vacation budget is allocated towards being a NYC tourist.

A villa they rented in Santorini, Greece for $5,000/week

Clothes For Four – $24,000/year

Rachel loves clothes and shoes, and Colin doesn’t mind dressing up nicely to match his lovely wife, although he prefers to wear athletic gear all day. As a fund manager who expects to be taken seriously in a male-dominated industry, Rachel dresses her position.

Her pantsuits from Gucci, Dolce, and Chanel easily cost between $2,000 – $3,500 each. On average, she buys one work suit once a year to keep her threads fresh, although sometimes she buys a couple during holiday sales.

With every power suit must come matching Manolo Blahniks or Jimmy Choos at the cost of between $800 – $1,000 a pair on average. Below is a regular black satin pump by Manolo for $995 before tax at Nieman Marcus.

After the pumps, Rachel must of course own a work-appropriate tote bag that can cost anywhere from $1,000 – $3,000. She prefers the understated Prada bags with their hard waterproof exterior. Below are some of her clothing examples.

High powered jobs come with high priced clothes

Given Colin is a stay at home dad, he doesn’t need to spend anything on work clothes. However, he does own and appreciate an array of finely cut blazers to go along with his designer jeans and button down shirts for when they go out. Each custom blazer costs between $1,000 – $1,500 on average. Designer jeans run between $180 – $300, and shirts from the likes of Thomas Pink can range from $80 – $250. He only has one watch, a stainless steel Royal Oak Audemars Piguet he bought for $16,000 years ago.

Charity – $25,000 / Year

The Chens feel extremely fortunate to be in their position as second generation Americans whose parents worked lower income jobs to put them through school. When you are given the opportunity to make it beyond your wildest dreams in the greatest country on Earth, the Chens feel it’s their duty to regularly give roughly 2.5% of their gross income to charity.

Rachel and Colin are particularly passionate about helping foster kids get through a difficult system in order to be given a fair chance at life. They know their sons are extremely fortunate to attend private school, and deep down they feel it is unfair that their kids can have so much, while other kids, through no fault of their own can have so little. Given they aren’t going to reduce their son’s opportunities, they’ve decided to use most of the 2.5% to help less fortunate youth.

Net Worth Summary

Rachel has a target of working for 15 more years until her youngest son graduates college. Once both kids are through college, this will free up roughly $200,000 a year in after-tax children related expenses, which is equivalent to roughly $340,000 in gross income based on their 41% effective total tax rate.

After 15 years, the Chens should be able to accumulate at minimum:

$277,500 in 401(k) plus $150,000 in profit sharing

$816,495 in after-tax cashh

$500,000 in principal pay down (leaving $1,000,000 left in mortgage)

For a base case net worth increase of roughly $1,600,000 without any appreciation in their investments or house. Assuming $106,666 in base case net worth growth over 15 years, no compensation increase during this time period, and a current $3,000,000 net worth, including the equity in their primary residence, the Chens will conservatively have a $10,000,000 net worth by the time their youngest graduates from college using a 6.2% annual growth rate. She’ll be 60 years old and he’ll be 58.

Once their brownstone is paid off, they’ll save an additional $86,000 a year in after-tax cash flow, equivalent to $145,000 gross based on a 41% effective tax rate.

Therefore, the Chens can afford to maintain their lifestyles earning just $500,000 a year once they no longer have mortgage debt or child expenses. With a $10 million net worth, all they would need to do is figure out some way to generate a 5% return to live a great retirement and never touch principal for the rest of their lives.

Not Sure If It’s All Worth It

On paper, everything looks great for the Chens. Yet, Rachel tells me she doesn’t know if it’s worth working 65 hours a week for the next 15 years. Even the finest lobster at Le Bernardin or the most picturesque luxury villa off the Almalfi Coast gets old after a while.

Rachel sees a therapist every other week to help her manage the constant pressure she feels to provide for her family, outperform her peers, and outperform the markets. The market takes no prisoners. She’s only as good as her last month’s performance. This type of pressure has begun to pulverize what little peace and quiet she has left inside. She’s also recently begun to develop heart palpitations, which has her worried.

Colin also sees a therapist once a month to help him get through his feelings of unworthiness for being a stay at home father. Although he’s truly a great dad, he often feels gutted to have given up his management consulting job. None of his friends, who all work, understand what he’s going through. He feels isolated and often depressed. Sometimes he gets jealous of Rachel’s success, which leads to bitter fights.

What Rachel misses most is spending time with her boys, who are growing up too fast for her liking. Like middle age, where she now has a greater sense of her mortality, she knows that she might only have 5-7 years left to spend time with her sons before they would prefer spending all their free time with their friends. Before she knows it, they’ll be off to college where she might be lucky to see them twice a year.

Rachel envies Colin’s time at home. Most of her girlfriends are stay at home moms who take turns hosting playdates when their kids are off. When they’re in school, they often go to brunch at Blue Water Grill with bottomless mimosas over mounds of freshwater oysters. Colin envies Rachel’s freedom and the thrill of working in the real world with power.

Unfortunately, the only way to live a freer life is to drastically reduce expenses, have Colin go back to work, change their lifestyle completely, or accumulate at least 20X their annual expenses in net worth. At their current $500,000 annual burn rate, Rachel will truly need to work another 15 years to finally experience the joys of financial freedom. But she’s not sure if she can afford to wait that long.

If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable. They’ll have to cut down on entertainment, clothes, and travel, but they’ll gain back so much more quality time as a family.

Related:

Here’s When You’ll Finally Feel Rich

Be Rich, Not Famous: The Joys Of Being A Nobody

The Average Net Worth For The Above Average Married Couple

Readers, do you think earning $1 million a year is worth the stress, long work hours, and time away from family? How long would you be willing to work for $1 million a year before you decide to retire early? What would you do if you were the Chens? I’ll record a podcast about this episode in a day or two after I read some feedback on this post. 

The post When Earning $1 Million A Year Isn’t Enough To Retire Early appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/when-earning-one-million-a-year-is-not-enough/ via http://www.rssmix.com/

[mcjoelcain]

When Earning $1 Million A Year Isn’t Enough To Retire Early

We know that a $300,000/year household income is pretty middle class if you live in an expensive coastal city like San Francisco or Washington DC.

However, we can all agree that earning $1,000,000 a year or more makes you rich, especially since a top 1% income level starts at roughly $450,000. No household earning $1,000,000 or more should ever struggle unless they leveraged up and their investments imploded.

If you make $1,000,000 a year or more, you’re free to celebrate. Just don’t tell anyone lest you want an ax-wielding robber waiting for you in your living room after an evening of fine dining.

In this post, I’d like to explore the lifestyle of a typical $1 million income-earning household living in New York City. They’ve anonymously shared with me their expenses, and I’ve done my best to tell their story without sharing their exact details.

This post will give you a taste of what it’s like to make $1 million a year. You’ll also get to decide whether making $1,000,000 or more is truly worth the price.

Very Profitable To Make $1 Million A Year Now

After tax cuts were introduced in 2018, making more money has never been more profitable. Not only did the top federal marginal tax rate get cut from 39.6% down to 37%, the income threshold for the top federal marginal tax rate also rose from $418,400 to $500,000 for singles and from $470,700 to $600,000 for married couples.

So, if you’ve been wanting to make over $500,00 a year as an individual or $600,000 a year as a married couple, now is the time to do it. You’re essentially getting about a $15,000 federal income tax break if you make $1,000,000 now versus in 2017.

But as we are all well aware, the desire for money and prestige tends to corrode lives after a certain point. Once you make over $200,000 as an individual or $350,000 as a family, there is no additional happiness that accrues from making more money. Instead, lifestyle tends to deteriorate due to longer hours at the office, more stress, poorer physical health, and less family time.

Rachel Chen is one such person who doesn’t know whether the $1 million lifestyle is worth it. At 45, Rachel is one of several portfolio managers at a small hedge fund with $1.5 billion in assets under management. She toiled as a research analyst on the sell-side for six years before making the leap to buy-side analyst at 28. At 37, she was finally promoted to portfolio manager.

Rachel’s husband, Colin, 41, has been a stay at home dad since their second son was born in 2011. Colin used to make about $350,000 as a strategy consultant, but got tired of all the travel and decided to give up the grind, especially after Rachel started making more. Colin has been working on a non-fiction book to keep intellectually stimulated. But it’s hard to stay focused with the kids and his wife’s robust earnings.

Income Statement Of A $1 Million A Year Household

Let’s take a look at the Chen’s income statement.

Income And Tax Analysis

After maxing out her 401(k) and contributing $6,000 a year to her Health Savings Account, Rachel has a taxable income of $975,500. Her income is in the 37% federal marginal income tax bracket, and she pays an effective federal tax rate of 31%, or $302,405.

Given this household lives in New York City, they pay a State tax rate of 6.85% ($323,200+), and city tax rate of 3.87% ($500,000+). Their effective State and City tax is therefore around 10.71%, or $104,574.

Their total Federal + State + City tax bill a year equals $406,979.

As a W2 wage earner, there’s really no way around this enormous annual tax bill. Due to the SALT (State And Local Tax) limit of $10,000, high-income earners in high income tax states such as California, New York, New Jersey, Connecticut, Oregon, Minnesota, and Iowa lose out. Before 2018, the deduction was unlimited, but subject to Alternative Minimum Tax.

Even though the marriage penalty tax has been abolished for individuals earning up to $300,000 a year who decide to get married, the SALT cap limit of $10,000 is a marriage penalty tax. If you have two unmarried taxpayers both paying $10,000 in SALT, they will get an aggregate $20,000 when they file, whereas if they get married they suddenly lose $10,000 in deductions.

EXPENSE OVERVIEW

Private School Tuition – $100,000/Year

The couple forks out a hefty $100,000 a year for their two sons to attend The Dalton School. Tuition for the 2018 – 2019 school year is $48,450 a student, which includes books, computers/tablets, and lunch. Add a mere $1,550 for fundraisers and miscellaneous stuff and you’re at $50,000 per child.

Given mom and dad went to Yale University, they’d like their children to also go to Yale University. They know that Yale and all the prestigious private schools have a legacy system which gives children of alumni a huge leg up in admittance, no matter their racial or economic background. Some call this affirmative action for rich kids.

Although legacy children have a roughly 3X higher chance of getting admitted than nonlegacy students, there is an understanding that alumni should provide regular donations to stay in good standings. Therefore, Rachel and Colin together donate $5,000 a year.

Finally, the Chens also contribute a maximum gift limit of $60,000 combined to their children’s 529 College Savings Plan. They are fortunate to have paid off their student loans years ago.

Food And Entertainment – $4,583/month

New York City is the best city in America for food and entertainment. Although many in San Francisco might contest this claim, the entertainment part of the equation is truly second to none.

The classic mutton chop at Keens Steakhouse costs $60 before tip and tax. Add on a glass of Cabernet Sauvignon, some creamed spinach, wedge salad, and a 1/2 dozen fresh oysters, and we’re easily talking $150 per person. A meal at one of my favorite restaurants, Le Bernardin, will easily cost $600 for a couple with wine pairing. Have a look yourself.

Le Bernardin, one of my favorite NYC restaurants for $300/person

After a nice meal, the Chens like to hit up a Broadway show. Tickets range from $60 up to $1,500 on average for the latest hot show. But given they aren’t earning multi-millions, they often settle for $250 tickets at most. In other words, a date night out easily costs $1,000+. Good thing they only go to shows about once a quarter because they’re often too busy or too tired to do anything more than have a meal at their favorite local sushi restaurant for $150 total.

When the Chens are not eating out, they’re eating home delivery from GrubHub, or having a simple home cooked meal prepared by Colin. Living in the culinary capital of America is both a blessing and a curse. Both Rachel and Colin are constantly watching their diets and working out so they don’t die prematurely.

Housing – $9,749/month

They own a 5 bedroom, 3 bathroom, 2,700 sqft brownstone in Park Slope, Brooklyn they bought in 2012 for $2,000,000. It was a fortuitous time as their brownstone has appreciated by roughly 40% six years later.

When their first child was born in 2008, they had owned a $1.3 million, two bedroom, one bathroom condo on the Lower East Side then bought in 2004. They realized very quickly that they needed more space for two kids.

Below is an example of a current listing for $3,000,000 that is similar to theirs. 2,700 sqft is perfect for their family of four. They plan to live in the house until their youngest goes off to university in 11 years.

With a loan-to-value ratio of just 53%, they feel comfortable paying down a $1,500,000 mortgage on her $1,000,000 income. They locked in a 30-year fixed interest rate at 4% in 2013 and can comfortably afford the $7,161 monthly mortgage payment, $2,600 of which goes to paying down principal.

Unfortunately, they’ve also got to pay property tax of $17,556 and home maintenance expenses of about $10,000 a year. Things tend to break or leak with old brownstones. They didn’t truly realize how much more it would cost to maintain a larger home with outdoor space compared to their condo in Manhattan. With the SALT deduction capped at $10,000, they will be losing out on thousands of dollars of tax deductions.

Vehicles And Transportation – $2,842/month

Colin is a car enthusiast, and Rachel appreciates the utility and safety of an SUV for her kids. As a result, they own the newest Range Rover Velar and Porsche 911S. The P380 Dynamic Velar is leased for $850/month. The Porsche 911S costs $1,400/month.

The Chens drive their Velar to the Hamptons many weekends during the summer where they rent a vacation house with friends. Colin drives his Porsche to the country club to play golf a couple times a week while the kids are in school. It’s his way of staying in shape and socializing given most of his peers still work full-time jobs.

Range Rover Velar family car for the kids – $78,000

Vacations – $40,000/Year

The Chens take three vacations outside of New York City a year plus a combined week’s worth of local vacation scattered through the year.

Given Rachel works ~65 hours a week, vacations are extremely valuable to her so she can recharge and spend quality time with family.

Rachel has long felt a tremendous amount of guilt for being away from her kids for so long, but she also realizes she’s in an enviable position to maximize her career earnings while the stock market is still hot. Eventually, the market will turn and it will become much harder for her to outperform.

The Chens’ favorite vacation spots are mostly in Europe: Dubrovnik, Almalfi Coast, St. Tropez, Provence, and Mallorca are some of their top destinations. It’s easy to fly to Europe from the East Coast, but every other year, they’ll take a trip back to see extended family in Taiwan. They also love visiting Japan, Thailand, and Vietnam when they can arrange two consecutive weeks off.

Each international trip for a family of four costs rooughly $13,500 for the week. The cost can be broken down as follows: $4,000 – $6,000 for economy class flights, $4,000 – $5,000 for 7 nights at a five-star hotel, and $2,000 – $4,000 for food, excursions, and souvenirs.

The remaining $5,000 out of their yearly $40,000 vacation budget is allocated towards being a NYC tourist.

A villa they rented in Santorini, Greece for $5,000/week

Clothes For Four – $24,000/year

Rachel loves clothes and shoes, and Colin doesn’t mind dressing up nicely to match his lovely wife, although he prefers to wear athletic gear all day. As a fund manager who expects to be taken seriously in a male-dominated industry, Rachel dresses her position.

Her pantsuits from Gucci, Dolce, and Chanel easily cost between $2,000 – $3,500 each. On average, she buys one work suit once a year to keep her threads fresh, although sometimes she buys a couple during holiday sales.

With every power suit must come matching Manolo Blahniks or Jimmy Choos at the cost of between $800 – $1,000 a pair on average. Below is a regular black satin pump by Manolo for $995 before tax at Nieman Marcus.

After the pumps, Rachel must of course own a work-appropriate tote bag that can cost anywhere from $1,000 – $3,000. She prefers the understated Prada bags with their hard waterproof exterior. Below are some of her clothing examples.

High powered jobs come with high priced clothes

Given Colin is a stay at home dad, he doesn’t need to spend anything on work clothes. However, he does own and appreciate an array of finely cut blazers to go along with his designer jeans and button down shirts for when they go out. Each custom blazer costs between $1,000 – $1,500 on average. Designer jeans run between $180 – $300, and shirts from the likes of Thomas Pink can range from $80 – $250. He only has one watch, a stainless steel Royal Oak Audemars Piguet he bought for $16,000 years ago.

Charity – $25,000 / Year

The Chens feel extremely fortunate to be in their position as second generation Americans whose parents worked lower income jobs to put them through school. When you are given the opportunity to make it beyond your wildest dreams in the greatest country on Earth, the Chens feel it’s their duty to regularly give roughly 2.5% of their gross income to charity.

Rachel and Colin are particularly passionate about helping foster kids get through a difficult system in order to be given a fair chance at life. They know their sons are extremely fortunate to attend private school, and deep down they feel it is unfair that their kids can have so much, while other kids, through no fault of their own can have so little. Given they aren’t going to reduce their son’s opportunities, they’ve decided to use most of the 2.5% to help less fortunate youth.

Net Worth Summary

Rachel has a target of working for 15 more years until her youngest son graduates college. Once both kids are through college, this will free up roughly $200,000 a year in after-tax children related expenses, which is equivalent to roughly $340,000 in gross income based on their 41% effective total tax rate.

After 15 years, the Chens should be able to accumulate at minimum:

$277,500 in 401(k) plus $150,000 in profit sharing

$816,495 in after-tax cashh

$500,000 in principal pay down (leaving $1,000,000 left in mortgage)

For a base case net worth increase of roughly $1,600,000 without any appreciation in their investments or house. Assuming $106,666 in base case net worth growth over 15 years, no compensation increase during this time period, and a current $3,000,000 net worth, including the equity in their primary residence, the Chens will conservatively have a $10,000,000 net worth by the time their youngest graduates from college using a 6.2% annual growth rate. She’ll be 60 years old and he’ll be 58.

Once their brownstone is paid off, they’ll save an additional $86,000 a year in after-tax cash flow, equivalent to $145,000 gross based on a 41% effective tax rate.

Therefore, the Chens can afford to maintain their lifestyles earning just $500,000 a year once they no longer have mortgage debt or child expenses. With a $10 million net worth, all they would need to do is figure out some way to generate a 5% return to live a great retirement and never touch principal for the rest of their lives.

Not Sure If It’s All Worth It

On paper, everything looks great for the Chens. Yet, Rachel tells me she doesn’t know if it’s worth working 65 hours a week for the next 15 years. Even the finest lobster at Le Bernardin or the most picturesque luxury villa off the Almalfi Coast gets old after a while.

Rachel sees a therapist every other week to help her manage the constant pressure she feels to provide for her family, outperform her peers, and outperform the markets. The market takes no prisoners. She’s only as good as her last month’s performance. This type of pressure has begun to pulverize what little peace and quiet she has left inside. She’s also recently begun to develop heart palpitations, which has her worried.

Colin also sees a therapist once a month to help him get through his feelings of unworthiness for being a stay at home father. Although he’s truly a great dad, he often feels gutted to have given up his management consulting job. None of his friends, who all work, understand what he’s going through. He feels isolated and often depressed. Sometimes he gets jealous of Rachel’s success, which leads to bitter fights.

What Rachel misses most is spending time with her boys, who are growing up too fast for her liking. Like middle age, where she now has a greater sense of her mortality, she knows that she might only have 5-7 years left to spend time with her sons before they would prefer spending all their free time with their friends. Before she knows it, they’ll be off to college where she might be lucky to see them twice a year.

Rachel envies Colin’s time at home. Most of her girlfriends are stay at home moms who take turns hosting playdates when their kids are off. When they’re in school, they often go to brunch at Blue Water Grill with bottomless mimosas over mounds of freshwater oysters. Colin envies Rachel’s freedom and the thrill of working in the real world with power.

Unfortunately, the only way to live a freer life is to drastically reduce expenses, have Colin go back to work, change their lifestyle completely, or accumulate at least 20X their annual expenses in net worth. At their current $500,000 annual burn rate, Rachel will truly need to work another 15 years to finally experience the joys of financial freedom. But she’s not sure if she can afford to wait that long.

If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable. They’ll have to cut down on entertainment, clothes, and travel, but they’ll gain back so much more quality time as a family.

Related:

Here’s When You’ll Finally Feel Rich

Be Rich, Not Famous: The Joys Of Being A Nobody

The Average Net Worth For The Above Average Married Couple

Readers, do you think earning $1 million a year is worth the stress, long work hours, and time away from family? How long would you be willing to work for $1 million a year before you decide to retire early? What would you do if you were the Chens? I’ll record a podcast about this episode in a day or two after I read some feedback on this post. 

The post When Earning $1 Million A Year Isn’t Enough To Retire Early appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/when-earning-one-million-a-year-is-not-enough/ via http://www.rssmix.com/

[ronaldmrashid]

When Earning $1 Million A Year Isn’t Enough To Retire Early

We know that a $300,000/year household income is pretty middle class if you live in an expensive coastal city like San Francisco or Washington DC.

However, we can all agree that earning $1,000,000 a year or more makes you rich, especially since a top 1% income level starts at roughly $450,000. No household earning $1,000,000 or more should ever struggle unless they leveraged up and their investments imploded.

If you make $1,000,000 a year or more, you’re free to celebrate. Just don’t tell anyone lest you want an ax-wielding robber waiting for you in your living room after an evening of fine dining.

In this post, I’d like to explore the lifestyle of a typical $1 million income-earning household living in New York City. They’ve anonymously shared with me their expenses, and I’ve done my best to tell their story without sharing their exact details.

This post will give you a taste of what it’s like to make $1 million a year. You’ll also get to decide whether making $1,000,000 or more is truly worth the price.

Very Profitable To Make $1 Million A Year Now

After tax cuts were introduced in 2018, making more money has never been more profitable. Not only did the top federal marginal tax rate get cut from 39.6% down to 37%, the income threshold for the top federal marginal tax rate also rose from $418,400 to $500,000 for singles and from $470,700 to $600,000 for married couples.

So, if you’ve been wanting to make over $500,00 a year as an individual or $600,000 a year as a married couple, now is the time to do it. You’re essentially getting about a $15,000 federal income tax break if you make $1,000,000 now versus in 2017.

But as we are all well aware, the desire for money and prestige tends to corrode lives after a certain point. Once you make over $200,000 as an individual or $350,000 as a family, there is no additional happiness that accrues from making more money. Instead, lifestyle tends to deteriorate due to longer hours at the office, more stress, poorer physical health, and less family time.

Rachel Chen is one such person who doesn’t know whether the $1 million lifestyle is worth it. At 45, Rachel is one of several portfolio managers at a small hedge fund with $1.5 billion in assets under management. She toiled as a research analyst on the sell-side for six years before making the leap to buy-side analyst at 28. At 37, she was finally promoted to portfolio manager.

Rachel’s husband, Colin, 41, has been a stay at home dad since their second son was born in 2011. Colin used to make about $350,000 as a strategy consultant, but got tired of all the travel and decided to give up the grind, especially after Rachel started making more. Colin has been working on a non-fiction book to keep intellectually stimulated. But it’s hard to stay focused with the kids and his wife’s robust earnings.

Income Statement Of A $1 Million A Year Household

Let’s take a look at the Chen’s income statement.

Income And Tax Analysis

After maxing out her 401(k) and contributing $6,000 a year to her Health Savings Account, Rachel has a taxable income of $975,500. Her income is in the 37% federal marginal income tax bracket, and she pays an effective federal tax rate of 31%, or $302,405.

Given this household lives in New York City, they pay a State tax rate of 6.85% ($323,200+), and city tax rate of 3.87% ($500,000+). Their effective State and City tax is therefore around 10.71%, or $104,574.

Their total Federal + State + City tax bill a year equals $406,979.

As a W2 wage earner, there’s really no way around this enormous annual tax bill. Due to the SALT (State And Local Tax) limit of $10,000, high-income earners in high income tax states such as California, New York, New Jersey, Connecticut, Oregon, Minnesota, and Iowa lose out. Before 2018, the deduction was unlimited, but subject to Alternative Minimum Tax.

Even though the marriage penalty tax has been abolished for individuals earning up to $300,000 a year who decide to get married, the SALT cap limit of $10,000 is a marriage penalty tax. If you have two unmarried taxpayers both paying $10,000 in SALT, they will get an aggregate $20,000 when they file, whereas if they get married they suddenly lose $10,000 in deductions.

EXPENSE OVERVIEW

Private School Tuition – $100,000/Year

The couple forks out a hefty $100,000 a year for their two sons to attend The Dalton School. Tuition for the 2018 – 2019 school year is $48,450 a student, which includes books, computers/tablets, and lunch. Add a mere $1,550 for fundraisers and miscellaneous stuff and you’re at $50,000 per child.

Given mom and dad went to Yale University, they’d like their children to also go to Yale University. They know that Yale and all the prestigious private schools have a legacy system which gives children of alumni a huge leg up in admittance, no matter their racial or economic background. Some call this affirmative action for rich kids.

Although legacy children have a roughly 3X higher chance of getting admitted than nonlegacy students, there is an understanding that alumni should provide regular donations to stay in good standings. Therefore, Rachel and Colin together donate $5,000 a year.

Finally, the Chens also contribute a maximum gift limit of $60,000 combined to their children’s 529 College Savings Plan. They are fortunate to have paid off their student loans years ago.

Food And Entertainment – $4,583/month

New York City is the best city in America for food and entertainment. Although many in San Francisco might contest this claim, the entertainment part of the equation is truly second to none.

The classic mutton chop at Keens Steakhouse costs $60 before tip and tax. Add on a glass of Cabernet Sauvignon, some creamed spinach, wedge salad, and a 1/2 dozen fresh oysters, and we’re easily talking $150 per person. A meal at one of my favorite restaurants, Le Bernardin, will easily cost $600 for a couple with wine pairing. Have a look yourself.

Le Bernardin, one of my favorite NYC restaurants for $300/person

After a nice meal, the Chens like to hit up a Broadway show. Tickets range from $60 up to $1,500 on average for the latest hot show. But given they aren’t earning multi-millions, they often settle for $250 tickets at most. In other words, a date night out easily costs $1,000+. Good thing they only go to shows about once a quarter because they’re often too busy or too tired to do anything more than have a meal at their favorite local sushi restaurant for $150 total.

When the Chens are not eating out, they’re eating home delivery from GrubHub, or having a simple home cooked meal prepared by Colin. Living in the culinary capital of America is both a blessing and a curse. Both Rachel and Colin are constantly watching their diets and working out so they don’t die prematurely.

Housing – $9,749/month

They own a 5 bedroom, 3 bathroom, 2,700 sqft brownstone in Park Slope, Brooklyn they bought in 2012 for $2,000,000. It was a fortuitous time as their brownstone has appreciated by roughly 40% six years later.

When their first child was born in 2008, they had owned a $1.3 million, two bedroom, one bathroom condo on the Lower East Side then bought in 2004. They realized very quickly that they needed more space for two kids.

Below is an example of a current listing for $3,000,000 that is similar to theirs. 2,700 sqft is perfect for their family of four. They plan to live in the house until their youngest goes off to university in 11 years.

With a loan-to-value ratio of just 53%, they feel comfortable paying down a $1,500,000 mortgage on her $1,000,000 income. They locked in a 30-year fixed interest rate at 4% in 2013 and can comfortably afford the $7,161 monthly mortgage payment, $2,600 of which goes to paying down principal.

Unfortunately, they’ve also got to pay property tax of $17,556 and home maintenance expenses of about $10,000 a year. Things tend to break or leak with old brownstones. They didn’t truly realize how much more it would cost to maintain a larger home with outdoor space compared to their condo in Manhattan. With the SALT deduction capped at $10,000, they will be losing out on thousands of dollars of tax deductions.

Vehicles And Transportation – $2,842/month

Colin is a car enthusiast, and Rachel appreciates the utility and safety of an SUV for her kids. As a result, they own the newest Range Rover Velar and Porsche 911S. The P380 Dynamic Velar is leased for $850/month. The Porsche 911S costs $1,400/month.

The Chens drive their Velar to the Hamptons many weekends during the summer where they rent a vacation house with friends. Colin drives his Porsche to the country club to play golf a couple times a week while the kids are in school. It’s his way of staying in shape and socializing given most of his peers still work full-time jobs.

Range Rover Velar family car for the kids – $78,000

Vacations – $40,000/Year

The Chens take three vacations outside of New York City a year plus a combined week’s worth of local vacation scattered through the year.

Given Rachel works ~65 hours a week, vacations are extremely valuable to her so she can recharge and spend quality time with family.

Rachel has long felt a tremendous amount of guilt for being away from her kids for so long, but she also realizes she’s in an enviable position to maximize her career earnings while the stock market is still hot. Eventually, the market will turn and it will become much harder for her to outperform.

The Chens’ favorite vacation spots are mostly in Europe: Dubrovnik, Almalfi Coast, St. Tropez, Provence, and Mallorca are some of their top destinations. It’s easy to fly to Europe from the East Coast, but every other year, they’ll take a trip back to see extended family in Taiwan. They also love visiting Japan, Thailand, and Vietnam when they can arrange two consecutive weeks off.

Each international trip for a family of four costs rooughly $13,500 for the week. The cost can be broken down as follows: $4,000 – $6,000 for economy class flights, $4,000 – $5,000 for 7 nights at a five-star hotel, and $2,000 – $4,000 for food, excursions, and souvenirs.

The remaining $5,000 out of their yearly $40,000 vacation budget is allocated towards being a NYC tourist.

A villa they rented in Santorini, Greece for $5,000/week

Clothes For Four – $24,000/year

Rachel loves clothes and shoes, and Colin doesn’t mind dressing up nicely to match his lovely wife, although he prefers to wear athletic gear all day. As a fund manager who expects to be taken seriously in a male-dominated industry, Rachel dresses her position.

Her pantsuits from Gucci, Dolce, and Chanel easily cost between $2,000 – $3,500 each. On average, she buys one work suit once a year to keep her threads fresh, although sometimes she buys a couple during holiday sales.

With every power suit must come matching Manolo Blahniks or Jimmy Choos at the cost of between $800 – $1,000 a pair on average. Below is a regular black satin pump by Manolo for $995 before tax at Nieman Marcus.

After the pumps, Rachel must of course own a work-appropriate tote bag that can cost anywhere from $1,000 – $3,000. She prefers the understated Prada bags with their hard waterproof exterior. Below are some of her clothing examples.

High powered jobs come with high priced clothes

Given Colin is a stay at home dad, he doesn’t need to spend anything on work clothes. However, he does own and appreciate an array of finely cut blazers to go along with his designer jeans and button down shirts for when they go out. Each custom blazer costs between $1,000 – $1,500 on average. Designer jeans run between $180 – $300, and shirts from the likes of Thomas Pink can range from $80 – $250. He only has one watch, a stainless steel Royal Oak Audemars Piguet he bought for $16,000 years ago.

Charity – $25,000 / Year

The Chens feel extremely fortunate to be in their position as second generation Americans whose parents worked lower income jobs to put them through school. When you are given the opportunity to make it beyond your wildest dreams in the greatest country on Earth, the Chens feel it’s their duty to regularly give roughly 2.5% of their gross income to charity.

Rachel and Colin are particularly passionate about helping foster kids get through a difficult system in order to be given a fair chance at life. They know their sons are extremely fortunate to attend private school, and deep down they feel it is unfair that their kids can have so much, while other kids, through no fault of their own can have so little. Given they aren’t going to reduce their son’s opportunities, they’ve decided to use most of the 2.5% to help less fortunate youth.

Net Worth Summary

Rachel has a target of working for 15 more years until her youngest son graduates college. Once both kids are through college, this will free up roughly $200,000 a year in after-tax children related expenses, which is equivalent to roughly $340,000 in gross income based on their 41% effective total tax rate.

After 15 years, the Chens should be able to accumulate at minimum:

$277,500 in 401(k) plus $150,000 in profit sharing

$816,495 in after-tax cashh

$500,000 in principal pay down (leaving $1,000,000 left in mortgage)

For a base case net worth increase of roughly $1,600,000 without any appreciation in their investments or house. Assuming $106,666 in base case net worth growth over 15 years, no compensation increase during this time period, and a current $3,000,000 net worth, including the equity in their primary residence, the Chens will conservatively have a $10,000,000 net worth by the time their youngest graduates from college using a 6.2% annual growth rate. She’ll be 60 years old and he’ll be 58.

Once their brownstone is paid off, they’ll save an additional $86,000 a year in after-tax cash flow, equivalent to $145,000 gross based on a 41% effective tax rate.

Therefore, the Chens can afford to maintain their lifestyles earning just $500,000 a year once they no longer have mortgage debt or child expenses. With a $10 million net worth, all they would need to do is figure out some way to generate a 5% return to live a great retirement and never touch principal for the rest of their lives.

Not Sure If It’s All Worth It

On paper, everything looks great for the Chens. Yet, Rachel tells me she doesn’t know if it’s worth working 65 hours a week for the next 15 years. Even the finest lobster at Le Bernardin or the most picturesque luxury villa off the Almalfi Coast gets old after a while.

Rachel sees a therapist every other week to help her manage the constant pressure she feels to provide for her family, outperform her peers, and outperform the markets. The market takes no prisoners. She’s only as good as her last month’s performance. This type of pressure has begun to pulverize what little peace and quiet she has left inside. She’s also recently begun to develop heart palpitations, which has her worried.

Colin also sees a therapist once a month to help him get through his feelings of unworthiness for being a stay at home father. Although he’s truly a great dad, he often feels gutted to have given up his management consulting job. None of his friends, who all work, understand what he’s going through. He feels isolated and often depressed. Sometimes he gets jealous of Rachel’s success, which leads to bitter fights.

What Rachel misses most is spending time with her boys, who are growing up too fast for her liking. Like middle age, where she now has a greater sense of her mortality, she knows that she might only have 5-7 years left to spend time with her sons before they would prefer spending all their free time with their friends. Before she knows it, they’ll be off to college where she might be lucky to see them twice a year.

Rachel envies Colin’s time at home. Most of her girlfriends are stay at home moms who take turns hosting playdates when their kids are off. When they’re in school, they often go to brunch at Blue Water Grill with bottomless mimosas over mounds of freshwater oysters. Colin envies Rachel’s freedom and the thrill of working in the real world with power.

Unfortunately, the only way to live a freer life is to drastically reduce expenses, have Colin go back to work, change their lifestyle completely, or accumulate at least 20X their annual expenses in net worth. At their current $500,000 annual burn rate, Rachel will truly need to work another 15 years to finally experience the joys of financial freedom. But she’s not sure if she can afford to wait that long.

If I was Rachel, I’d either ask for a three-month sabbatical or dial back work to 40 hours a week for less compensation. Making $500,000 a year with less stress, fewer hours, and a lower effective tax rate sounds so much more reasonable. They’ll have to cut down on entertainment, clothes, and travel, but they’ll gain back so much more quality time as a family.

Related:

Here’s When You’ll Finally Feel Rich

Be Rich, Not Famous: The Joys Of Being A Nobody

The Average Net Worth For The Above Average Married Couple

Readers, do you think earning $1 million a year is worth the stress, long work hours, and time away from family? How long would you be willing to work for $1 million a year before you decide to retire early? What would you do if you were the Chens? I’ll record a podcast about this episode in a day or two after I read some feedback on this post. 

The post When Earning $1 Million A Year Isn’t Enough To Retire Early appeared first on Financial Samurai.

from https://www.financialsamurai.com/when-earning-one-million-a-year-is-not-enough/

[arliesly25061717-blog]

Vehicle driver From Tesla Killed In First Fatal Accident While In Auto-pilot Mode.

Rockstar have actually launched one final trailer for Grand Theft Automotive 5's Lowrider improve, as well as this set exhibits the new Autoshop that the upgrade delivers.. Yet there's heaps from fiddly little bit of guidelines and also nested practices concerning steerage, acceleration, how the controls function in other situations, like if the cars and truck is actually relocating forwards or back, changing car associates around (like the amount of drag), depending upon how quick the cars and truck is going, or which technique that is facing compared to it is actually genuine movement angle. That records generally consists of verification from auto insurance and also providing the money management provider as the loss payee. Will also be a nice way to obtain amount of money as well as move the wagering facet from Las vega to Fallout 4. I bought this activity due to the fact that this looked incredible, but you can't even own the cars and trucks that's therefore bad. Required to work in an Automobile Laundry in order for the expenses to become paid out and also as of this afternoon - placed in a role where the boss his starting to take a look at him funny, he is actually likewise certainly not prepared to encounter the bane of his past - Michael Bennett. Magdalene struck the garage door opener and owned her brand new cars and truck right into the garage for the first time. They will definitely ask you to station the car and afterwards inform you what they desire you to carry out. Enjoy their rundown. Dalton mentioned this would certainly be a big adjustment for insurance carriers, however also for cars and truck suppliers, which would certainly have to be appropriately capitalised to pay cases that could possibly bump into the 10s of countless pounds. To mention that the future for (even more) energy-efficient as well as hooked up automobiles is actually vivid, nevertheless, is actually a far cry from claiming that this impends. More important in comparison to acquiring the automobile repaired is seeing to it a specialist is actually taking a look at your body harm and giving you a strategy to heal swiftly as well as without repercussions. Before amount of money adjustments hands, see to it you fall to speed up on the legal facets of buying and selling through checking out the Double A's suggestions, featuring their print out and keep the legal buy private auto sales. Eventually, you have to recognize just how your car will certainly be actually guaranteed for damages and also burglary. Wi-Fi connection is actually featured, however the Regera is stuck with a 3G world wide web connection that is actually not as swiftly as the car itself. Update: Assessment as well as credit rating improved to reflect the current software program improve that adds Android Vehicle and Apple CarPlay to the Tucson along with navigating. Listed here is actually a checklist I will give away to my customers before they got an automobile with me. This was actually a simple fact-finding method that can help my clients load their necessities and also aid them. This is bit over an incredibly moderate revamp that brings the V40 into line with the remainder of the variation, but that creates a clever little vehicle appearance even smarter. While drivers will certainly accept toppling superiors, motor insurance policy professionals notified that the sector will must be actually overhauled or skin termination. When Nicky's state was actually stabilised, he was moved to Maurizio Bufalini medical center in Cesena and remains in the health center's critical care unit. This likewise is crucial to possess a good driving record as this is your instant ticket for economical auto insurance. 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I really did not discover the body at work with a lot of my travel until I intentionally permitted the vehicle drift from the street. That future is actually a little bit frightful, a little bit rough, yet CES is actually presenting our team that everybody coming from typical automotive producers to Amazon.com is actually thinking hard regarding where vehicles are moved, plus all are actually functioning to obtain certainly there swiftly. If you adored this article and you would like to get additional information pertaining to bestalveg.info kindly check out the web-site. My dad informs me that a really good education is actually more crucial than sporting activities as well as other traits that I want to perform. Lou creates me notice that my daddy may be right and a good education and learning is necessary. Yet elsewhere the mood in Stuttgart, the automobile financing of Europe where the vehicle was born in 1886 as well as where Porsche, Mercedes-Benz, Bosch and numerous significant auto providers have their HQs, is actually much off certain. So the Skycar still has a very long way to go, however as far as it being a signboard on a child's bed room wall structure, this is presently the Lamborghini Countach from flying cars. Nonetheless, the really good looks comes with Infiniti's 2nd creation Straight Adaptive Steerage modern technology, also called steer-by-wire. I would not recommend making use of the STEP behavior if you desire a vehicle that experiences realistic, due to the fact that the RELOCATION behaviour overrides the majority of the general natural science unit, refusing the automobile to in fact bounces off traits, and so on As our outside as well as internal environments become louder as well as louder, even more folks are actually beginning to look for muteness, whether via a practice of resting silently for 10 moments every early morning or even heading off to a 10-day quiet hideaway.

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How to Avoid Getting Scammed by Mechanics

Whether it’s unfair pricing, shoddy workmanship, or improper diagnoses, don’t let auto mechanics take you for a ride.

Getting scammed is a fact of life. It happens to everyone. From health care to auto repair, upselling and overpricing can be found everywhere.

But the more you know, the less likely you are to be hoodwinked. Unfortunately, most people have very little car knowledge and experience. After you buy a car, it’s important to find an auto repair shop that you trust as soon as possible. This will give your mechanic time to get to know you and your vehicle. It will also help prevent breakdowns and save you a lot of money in the long run.

This article is all about how to avoid getting scammed by mechanics and auto repair shops, but the information can also help you develop a fraud firewall for all sorts of snake oil salesmanship.

How to Avoid Getting Scammed by Mechanics and Auto Repair Shops

In addition to online reviews and testimonials, ask your family and friends for recommendations. Finding a full-service repair shop is preferred, but there are four main types of shops:

Dealerships

Independents

Specialists

Auto Repair Chains

Once you find a shop, check for the following:

Years in Business – The longer the shop has been in business, the less likely you are to be scammed.

Better Business Bureau – Look up the business on the Better Business Bureau, state Department of Consumer Affairs, or the Attorney General’s office. It’s also a good idea to check social networks and online consumer sites.

Appearance and Amenities – A clean shop and professional appearance can be deceiving, but it can also give you a general idea of the shop’s attention to detail and customer service.

Posted Credentials – Look for ASE and AAA certifications in the shop or on their website. If they aren’t posted, ask about them.

Warranties – Reputable shops will offer parts and labor warranties on their work. Ask about warranty information before agreeing to any service or repairs.

Commissioned Employees – Avoid shops that pay their mechanics and employees based on commission. There is simply too much pressure to upsell and suggest repairs that aren’t necessary.

Swing by Local Auto Parts Store for Free Check Engine Light Service

If your check engine warning light comes on, don’t automatically drive to a mechanic. They will most likely charge you an engine diagnostic fee and recommend services you may not need. Many auto parts stores will run a computer diagnostic test free of charge. The computer diagnostic test is a good way to get a quick and free assessment of your vehicle. Call the auto parts store before you go to see if they offer this service.

Always Deal with a Reputable Mechanic or Auto Shop

Recently, there was a story on WSMV Channel 4 about a Craigslist scam after a self-professed “mechanic” asked a car owner to buy $170 worth of parts only later to sell them at AutoZone.

If you didn’t already know, never turn to Craigslist for work on your car (or home for that matter). While you can still get scammed from mechanic and auto shops, there are more avenues for you to complain and get your money back if the job goes wrong, such as the Better Business Bureau.

When you are dealing with strangers, you have no idea who you are dealing with. Similarly, it’s also a bad idea to buy a used car from Craigslist or any other private seller. The lesson here to is always use a verified company for all of your car services.

One way to avoid a bad mechanic or auto repair shop is to ask your friends, family, and co-workers for recommendations. If they felt ripped off by a mechanic, it’s best to stay away.

Look for an ASE (National Institute for Automotive Service Excellence) or AAA (American Automobile Association) Certification

Use the AAA approved auto repair facilities search to find information on over 7,000 AAA Approved Auto Repair facilities across North America. Also, visit AAA.com/Repair for nearby AAA Approved Auto Repair Facilities.

Auto repair is an extremely demanding, and increasingly technological job that requires ongoing training and certification. In order to receive an ASE certification, mechanics must pass a written test and demonstrate a minimum two years on hands-on industry experience. Every five years, the technician must get retested to remain certified.

Those who pass all eight core tests of mechanical automotive repair are given the title of Certified Master Automobile Technician.

Usually, auto repair shops will post technician certifications and credentials in the shop or on their website for easy viewing. If you don’t see any certifications, ask about them. They should be happy to tell you all about their credentials. If you get a roundabout answer or unsatisfactory response, take your business elsewhere.

Check Owner’s Manual for Maintenance Schedule

If you are wondering how often you should have your car serviced, don’t automatically trust your mechanic. The answer is very simple: CHECK THE OWNER’S MANUAL.

This alone can save you thousands of dollars in unnecessary repairs and service costs.

Your owner’s manual will also tell you where and how to change your windshield wiper fluid, coolant, and oil. If you want to save yourself some money and learn a little about how your vehicle works, check the owner’s manual for simple instructions on how to change the air filter, motor oil, tires, and much more.

Shop Around – Go in for a Minor Job First

Don’t trust a major repair job to a mechanic or shop you don’t know. Like most things in life, it’s a good idea to shop around first before making a commitment.

After checking ASE/AAA certifications, social media, family, friends, and complaints on the internet, test the shop with a simple oil change or tire rotation. This will give you the opportunity to speak with the shop employees, inspect the shop, and get a general feel for their quality of work.

Be careful about the infamous upsells. Don’t go in for a simple oil change and leave with an engine flush, new fuel injectors or spark plugs.

Be Prepared with Information Before You Go

For the best service from an auto repair shop, write down all of your symptoms and observations, including what you see, hear, smell, and feel. Unless you are familiar with cars, avoid any technical jargon. If you have ever listened to CarTalk with Click and Clack, you know that a simple description of symptoms, sounds, and smells can often yield a correct diagnosis.

Gather as much information as possible. Even if you think some observations may be irrelevant, list them anyway. Clear communication is key when it comes to receiving the best and most efficient automotive care.

Once you tell the mechanic what you have observed, ask them to explain their diagnosis. They should be able to give you details about the part in question and how the car is supposed to work. If they are having difficulties explaining how your car works, alarm bells should sound.

Get Quotes in Writing (Upfront/Straightforward Pricing)

A reputable auto repair shop will always give you the price in writing before any work begins. If there are any unforeseen costs, they should always get your permission for the additional parts and labor costs.

After you get the quote, it’s a good idea to do your research before agreeing to the costs. Never agree to extra services without some research first. For instance, always compare the mechanic’s recommendations with the information in the owner’s manual.

A written quote also enables you to dispute the final cost if it is a different amount. If you don’t have this piece of paper, you are at the mechanic’s mercy.

Maintain Good Records

No matter where you get your car serviced, keep records of all your auto-related services and repair. This is a good idea for many reasons, including selling/trading in your vehicle at a later date and making sure all of your warranties remain valid.

Keep Up On Regular Vehicle Maintenance 

Again, check your owner’s manual for your vehicle maintenance schedule. This includes regular oil changes, tire care, and other fluids and maintenance schedules.

By keeping up with your vehicle’s maintenance schedule, you can avoid expensive trips to the mechanic and be better able to detect scams.

Voice Your Complaints

Speak out if you’ve been wronged. This can help others avoid a similar fate in addition to helping you get your money back. If you are dealing with a verified company, you can report your case to local and state consumer protection offices, the BBB, and the Federal Trade Commission.

When you appeal to these resources, there’s a good chance of getting some or all of your money back.

Buy Here Pay Here USA Mechanics

The in-house mechanics at Buy Here Pay Here USA know a thing or two about auto service and repair. We subject all of our vehicles to a thorough 180-point quality inspection. By controlling the quality levels and meticulously reconditioning our vehicles, we hope to exceed all your expectations.

We also offer FREE OIL CHANGES every 90 days for the life of your loan!*

If you have any questions, don’t hesitate to speak with one of our car experts at Buy Here Pay Here USA:

Chattanooga, TN – (423) 551-3600

Cleveland, TN – (423) 472-2000

Dayton, TN – (423) 775-4600

Dalton, GA – (706) 217-2277

Follow us on social media for more useful information on buying, selling, and maintaining your vehicle: Facebook, Twitter, YouTube, and Google+.

The post How to Avoid Getting Scammed by Mechanics appeared first on Buy Here Pay Here USA.

from Buy Here Pay Here USA https://www.buyherepayhereusa.com/blog/how-to-avoid-getting-scammed-by-mechanics/

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Kia Optima Review.

There are right now dozens lots of apps accessible for your apple iphone 7 or even apple iphone 6S and, surprisingly, most of the very best are actually totally free. If you observe that there seems to be not to become a sticker price for the cars and truck that you are actually hoping to get, however they perform have that cars and truck in sell, you'll wish to keep in mind that this cars and truck is actually perhaps in pretty high requirement and the dealership perhaps won't be as vigorous in collaborating with you to create that killer vehicle bargain. If they recognize they're completing from various other local area representatives, fairly merely the only way to get a reduced automobile insurance policy fee is actually through making use of the neighborhood brokers as well as at that point simply. This is actually a vehicle that encompases every thing that specifies Volvo as a company to me: protection, turbocharged power, simple concept and also terminal wagons. 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The suggestion of a completely automaticed transportation system is actually intriguing because it has the prospective to strengthen safety by getting rid of individual error and boost the efficiency of automobile managers, that may proceed with various other duties during the course of a lengthy commute. If you want to buy every new auto on display screen you'll need to have a massive $16 thousand in your in-game wallet. Nonetheless, once the car was rolling, the athletic steering mechanics kicked in as well as it was actually pleasurable to steer - merely do not anticipate surges of power. This online video simulation represents just what a junction may appear like along with driverless cars and trucks. Tesla's Design S has an advanced boat trip control component referred to as Auto-pilot, which uses electronic cameras and also radar to find the vehicle's posture in lane, the proximity of various other autos as well as the speed restriction. Nonetheless, it is actually an excellent indicator about the phones' potential to take the odd sprinkle without costing you an additional ₤ 500. Nowadays that is actually truly hard to locate a shopper which has all the factors managing in his/her favor, such as possessing really good credit rating, or the ability to make a big deposit, yet the rental fee to possess home makes that simpler for people along with fewer resources to obtain an opportunity to acquire their aspiration houses. Apple CarPlay extends to fill in the display screen completely and looks comically huge along with massive image spacing on the E300 display screen, yet Android Automotive turns up in a smaller sized 16:9 region from the show along with a stationary black package that fills in the unoccupied locations. These autos consist of the Chevrolet SS, Ford Fusion as well as Toyota Camry, which include for the very first time in the set. Locate a qualified healthcare expert who specializes in useful medication and autoimmune illness. They economicaled, however as cars ended up being a lot more budget-friendly across the board, the poorer-quality cyclecars lapsed just before 1920. Ferrari, Mercedes-Benz as well as Volvo all declared that CarPlay would be accommodated to particular new cars and trucks today in Geneva, yet numerous various other makers likewise announced assistance would certainly be coming for Apple's new apple iphone connectivity system in the near future. Certainly not everyone can spring for a brand-new auto or even broadcast along with Android Vehicle connectivity, yet AutoMate brings the well-maintained car-friendly user interface to any kind of Android phone or even tablet computer. These friendly-looking points are going to concern that slightly terrifying lesson of cars and trucks that battles complete control from its own individual professionals. In order to get hair growing on your skin such as a mustache, you need to have great blood stream circulation in your face. Incurable to incurable methods you comply with the provider someplace and drop off your car and afterwards you will certainly meet them at yet another some of their locations. Confidence is actually the trick, regardless of exactly how great you are along with talking if your not confident whatsoever; there will be no stimulate of tourist attraction and also you'll entirely flop as well as concern your own self as a failing if your days decline you. Yeah, however I have actually discovered that considering that these checklists enable opinions from every Goodreads member, there will never ever be actually a requirement. There's some emotional resistance to the idea from self-driving automobiles from some fourths. The topic summary can be combined along with the CARS model to boost your overview or to deliver advice to a peer. The lower-powered 1.0-litre fuel and also 1.4 diesel-powered accelerate instead sluggishly, specifically when the car is actually totally filled. This's the very first vehicle I've been in for grows older with neither satnav nor docking place. If our company acknowledge that the piece from automobile past considered 'classic' is actually relocating, which some cars will acquire 'classic' standing as they grow older, then our tip from just what versions could be contacted 'traditional' is actually definitely mosting likely to transform with time. They are going to never ever be secure if self-driving automobiles can only be risk-free if our experts are certain no one can reconfigure all of them without manufacturer commendation.

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BMGT 321 Chapter 11 Homework /   hwaid.com

BMGT 321 Chapter 11 Homework /   hwaid.com

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  DECISION MAKING AND RELEVANT INFORMATION

 11-16   Disposal of assets.

 Answer the following questions.

1.      A company has an inventory of 1,250 assorted parts for a line of missiles that has been discontinued. The inventory cost is $76,000. The parts can be either (a) remachined at total additional costs of $26,500 and then sold for $33,500 or (b) sold as scrap for $2,500. Which action is more profitable? Show your calculations.

2.      A truck, costing $100,500 and uninsured, is wrecked its first day in use. It can be either (a) disposed of for $18,000 cash and replaced with a similar truck costing $103,000 or (b) rebuilt for $88,500 and thus be brand-new as far as operating characteristics and looks are concerned. Which action is less costly? Show your calculations.

 11-17   Relevant and irrelevant costs.

 Answer the following questions.

1.      DeCesare Computers makes 5,200 units of a circuit board, CB76, at a cost of $280 each. Variable cost per unit is $190 and fixed cost per unit is $90. Peach Electronics offers to supply 5,200 units of CB76 for $260. If DeCesare buys from Peach it will be able to save $10 per unit in fixed costs but continue to incur the remaining $80 per unit. Should DeCesare accept Peach’s offer? Explain.

2.      LN Manufacturing is deciding whether to keep or replace an old machine. It obtains the following information:

 LN Manufacturing uses straight-line depreciation. Ignore the time value of money and income taxes. Should LN Manufacturing replace the old machine? Explain.

   11-18   Multiple choice.

 (CPA) Choose the best answer.

 1.      The Dalton Company manufactures slippers and sells them at $12 a pair. Variable manufacturing cost is $5.00 a pair, and allocated fixed manufacturing cost is $1.25 a pair. It has enough idle capacity available to accept a one-time-only special order of 5,000 pairs of slippers at $6.25 a pair. Dalton will not incur any marketing costs as a result of the special order. What would the effect on operating income be if the special order could be accepted without affecting normal sales: (a) $0, (b) $6,250 increase, (c) $28,750 increase, or (d) $31,250 increase? Show your calculations.

2.      The Sacramento Company manufactures Part No. 498 for use in its production line. The manufacturing cost per unit for 30,000 units of Part No. 498 is as follows:

  The Counter Company has offered to sell 30,000 units of Part No. 498 to Sacramento for $47 per unit. Sacramento will make the decision to buy the part from Counter if there is an overall savings of at least $30,000 for Sacramento. If Sacramento accepts Counter’s offer, $8 per unit of the fixed overhead allocated would be eliminated. Furthermore, Sacramento has determined that the released facilities could be used to save relevant costs in the manufacture of Part No. 575. For Sacramento to achieve an overall savings of $30,000, the amount of relevant costs that would have to be saved by using the released facilities in the manufacture of Part No. 575 would be which of the following: (a) $90,000, (b) $150,000, (c) $180,000, or (d) $210,000? Show your calculations. What other factors might Sacramento consider before outsourcing to Counter?

   11-19    Special order, activity-based costing.

 (CMA, adapted) The Gold Plus Company manufactures medals for winners of athletic events and other contests. Its manufacturing plant has the capacity to produce 11,000 medals each month. Current production and sales are 10,000 medals per month. The company normally charges $150 per medal. Cost information for the current activity level is as follows:

  Gold Plus has just received a special one-time-only order for 1,000 medals at $100 per medal. Accepting the special order would not affect the company’s regular business. Gold Plus makes medals for its existing customers in batch sizes of 50 medals (200 batches × 50 medals per batch = 10,000 medals). The special order requires Gold Plus to make the medals in 25 batches of 40 medals.

 Required:

1.      Should Gold Plus accept this special order? Show your calculations.

2.      Suppose plant capacity were only 10,500 medals instead of 11,000 medals each month. The special order must either be taken in full or be rejected completely. Should Gold Plus accept the special order? Show your calculations.

3.      As in requirement 1, assume that monthly capacity is 11,000 medals. Gold Plus is concerned that if it accepts the special order, its existing customers will immediately demand a price discount of $10 in the month in which the special order is being filled. They would argue that Gold Plus’s capacity costs are now being spread over more units and that existing customers should get the benefit of these lower costs. Should Gold Plus accept the special order under these conditions? Show your calculations.

  11-22   Relevant costs, contribution margin, product emphasis.

 The Snack Shack is a take-out food store at a popular beach resort. Susan Sexton, owner of the Snack Shack, is deciding how much refrigerator space to devote to four different drinks. Pertinent data on these four drinks are as follows:

 Sexton has a maximum front shelf space of 12 feet to devote to the four drinks. She wants a minimum of 1 foot and a maximum of 6 feet of front shelf space for each drink.

 Required:

1.      Calculate the contribution margin per case of each type of drink.

2.      A coworker of Sexton’s recommends that she maximize the shelf space devoted to those drinks with the highest contribution margin per case. Do you agree with this recommendation? Explain briefly.

3.      What shelf-space allocation for the four drinks would you recommend for the Snack Shack? Show your calculations.

11-24  Theory of constraints, throughput contribution, relevant costs.

 The Pierce Corporation manufactures filing cabinets in two operations: machining and finishing. It provides the following information:

  Each cabinet sells for $70 and has direct material costs of $30 incurred at the start of the machining operation. Pierce has no other variable costs. Pierce can sell whatever output it produces. The following requirements refer only to the preceding data. There is no connection between the requirements.

 Required:

1.      Pierce is considering using some modern jigs and tools in the finishing operation that would increase annual finishing output by 1,150 units. The annual cost of these jigs and tools is $35,000. Should Pierce acquire these tools? Show your calculations. YES

2.      The production manager of the Machining Department has submitted a proposal to do faster setups that would increase the annual capacity of the Machining Department by 9,000 units and would cost $4,000 per year. Should Pierce implement the change? Show your calculations. NO- no impact on bottleneck

3.      An outside contractor offers to do the finishing operation for 9,500 units at $9 per unit, triple the $3 per unit that it costs Pierce to do the finishing in-house. Should Pierce accept the subcontractor’s offer? Show your calculations. Find out whether or not we will end up ahead, considered relevant costs

4.      The Hammond Corporation offers to machine 5,000 units at $3 per unit, half the $6 per unit that it costs Pierce to do the machining in-house. Should Pierce accept Hammond’s offer? Show your calculations. Fixed costs cannot be reduced, its overhead. If it was a variable cost this would be different. Doesn’t help to reduce your fixed costs per unit, so no would not want to do this

5.      Pierce produces 1,700 defective units at the machining operation. What is the cost to Pierce of the defective items produced? Explain your answer briefly.

6.      Pierce produces 1,700 defective units at the finishing operation. What is the cost to Pierce of the defective items produced? Explain your answer briefly.

 11-25   Closing and opening stores.

 Sanchez Corporation runs two convenience stores, one in Connecticut and one in Rhode Island. Operating income for each store in 2014 is as follows:

  The equipment has a zero disposal value. In a senior management meeting, Maria Lopez, the management accountant at Sanchez Corporation, makes the following comment, “Sanchez can increase its profitability by closing down the Rhode Island store or by adding another store like it.”

 Required:

1.      By closing down the Rhode Island store, Sanchez can reduce overall corporate overhead costs by $44,000. Calculate Sanchez’s operating income if it closes the Rhode Island store. Is Maria Lopez’s statement about the effect of closing the Rhode Island store correct? Explain.

2.      Calculate Sanchez’s operating income if it keeps the Rhode Island store open and opens another store with revenues and costs identical to the Rhode Island store (including a cost of $22,000 to acquire equipment with a one-year useful life and zero disposal value). Opening this store will increase corporate overhead costs by $4,000. Is Maria Lopez’s statement about the effect of adding another store like the Rhode Island store correct? Explain.

 11-27   Relevance of equipment costs.

 Papa’s Pizza is considering replacement of its pizza oven with a new, more energy-efficient model. Information related to the old and new pizza ovens follows:

  The old oven had been purchased a year ago. Papa’s Pizza estimates that either oven has a remaining useful life of five years. At the end of five years, either oven would have a zero salvage value. Ignore the effect of income taxes and the time value of money.

 Required:

1.      Which of the costs and benefits above are relevant to the decision to replace the oven?

2.      What information is irrelevant? Why is it irrelevant?

3.      Should Papa’s Pizza purchase the new oven? Provide support for your answer.

4.      Is there any conflict between the decision model and the incentives of the manager who has purchased the “old” oven and is considering replacing it a year later?

5.      At what purchase price would Papa’s Pizza be indifferent between purchasing the new oven and continuing to use the old oven?

   11-29  Special Order3

 Slugger Corporation produces baseball bats for kids that it sells for $36 each. At capacity, the company can produce 50,000 bats a year. The costs of producing and selling 50,000 bats are as follows:

  Required:

1.      Suppose Slugger is currently producing and selling 40,000 bats. At this level of production and sales, its fixed costs are the same as given in the preceding table. Bench Corporation wants to place a one-time special order for 10,000 bats at $23 each. Slugger will incur no variable selling costs for this special order. Should Slugger accept this one-time special order? Show your calculations.

2.      Now suppose Slugger is currently producing and selling 50,000 bats. If Slugger accepts Bench’s offer it will have to sell 10,000 fewer bats to its regular customers. (a) On financial considerations alone, should Slugger accept this one-time special order? Show your calculations. (b) On financial considerations alone, at what price would Slugger be indifferent between accepting the special order and continuing to sell to its regular customers at $36 per bat. (c) What other factors should Slugger consider in deciding whether to accept the one-time special order?

   11-31   International outsourcing.

 Cuddly Critters, Inc., manufactures plush toys in a facility in Cleveland, Ohio. Recently, the company designed a group of collectible resin figurines to go with the plush toy line. Management is trying to decide whether to manufacture the figurines themselves in existing space in the Cleveland facility or to accept an offer from a manufacturing company in Indonesia. Data concerning the decision are:

 a Selling and distribution costs are the same regardless of whether the figurines are manufactured in Cleveland or imported.

 Required:

1.      Should Cuddly Critters manufacture the 400,000 figurines in the Cleveland facility or purchase them from the Indonesian supplier? Explain.

2.      Cuddly Critters believes that the U.S. dollar may weaken in the coming months against the Indonesian rupiah and does not want to face any currency risk. Assume that Cuddly Critters can enter into a forward contract today to purchase 27,300 IDRs for $3.40. Should Cuddly Critters manufacture the 400,000 figurines in the Cleveland facility or purchase them from the Indonesian supplier? Explain.

3.      What are some of the qualitative factors that Cuddly Critters should consider when deciding whether to outsource the figurine manufacturing to Indonesia?