#do you know how hard it was to get these mfs markings correct

[avocadosfromfigaro]

two birds of a feather say that they're always gonna stay together but one's never going to let go of that wire

[sai4u]

★ — couple of the year .ᐟ

⤷ gq couple interviews with nct dream

⌗ ft .∿ dream ot7 x reader

⌗ genre + warnings .∿ fluff + someone please jeno from this

⌗ trini’s note .∿ okay last re upload from the deleted blog 😭. also if you never seen a gq couple quiz, here’s one of my favorite examples :)

⤹ ⊹ mark lee .ᐟ

✶ mark would have extreme confidence that he would get all the questions correct. at most, maybe one or two questions wrong but he wouldn’t sulk it off, he would more than likely say, “I knew that” or “that was my second guess, I swear”

✶ weirdly enough, he would get the much deeper, or “harder”, questions correct more than the basic questions like what’s your middle name or what’s your favorite color

✶ for the deeper questions he gets correct, he would constantly answer, “see, I told you I knew you baby” with his lil smirk or a sly smile

✶ I think mark would almost always have a story attached majority of the questions you asked him. some are embarrassing, some have you giving a belly laugh, and some are sentimental. the sentimental ones, he’s holding eye contact with you, matching your smiles, and mouthing, ‘i love you’

✶ as for questions about him, he would let out an exaggerated sigh when you get them wrong. he would act so heartbroken and go on this dramatic ramble of how he thought his partner knew him

⤹ ⊹ huang renjun .ᐟ

✶ renjun is a shy lil thing for these types of interviews. quite nervous that he’ll get some wrong but confident enough that he’ll get most of them right. though, he does believe he’ll get more questions right than you will and he wasn’t wrong

✶ he would stand firm on the questions he got wrong that he thinks he got correct. he blames you that you never told him this information or that you’re a liar, sometimes side-eyes you before you say if he’s wrong or right. if he got it wrong, he would have hard evidence that he is correct and even state word for word on when you said the correct answer in the past

✶ as for questions about him, he would maybe allow bonus points. it depends on how many bonus questions you gave him, which would total how much or how little bonus points you get

✶ ngl, renjun can become a petty lil mf when it comes to his questions. he think it’s only right after the struggle you put him through answering some of those questions and fighting for his case

⤹ ⊹ lee jeno .ᐟ

✶ slightly like mark and has extreme confidence that he’ll get every question right except….anyways ! it’s not that he’s not an attentive bf (cause he is, trust !) but he’s truly shocked at how many he gets wrong. but at the same time, the ones he thinks he is wrong, he gets right ??? idk man. he knows who was your first best friend but doesn’t know your favorite meal…

✶ a lot of laughs are shared between the two of you cause it truly is funny at his reactions at whether or not he’s right. usually his jaw is dropped; if he’s right he nods his head in a slightly cocky manner but if he’s wrong, he shakes his head and curses himself

✶ but at the same time, you throw him some bonus points to help cause poor baby is not doing so good. in the end for the questions about you, he doesn’t do as bad but he believe that definitely isn’t his best and plans to be a better bf to you

✶ for questions about him, he assumes just about half the time that you won’t get this question right, and it could be the most basic questions anyone could easily answer. like why is mans shocked that you know his favorite artist and his favorite pastime…?

⤹ ⊹ lee haechan .ᐟ

✶ it turned from a cute quiz to a full blown competition. out of all of dream, his confidence is at an all time, always, when it comes to being the best boyfriend God can put on this earth. but oh do you have something planned for him

✶ haechan is more than a thousand percent confirmed that he’ll get all answers right and sits in his seat with such confidence. you roll your eyes and look through the questions as he continues to boast

✶ the questions were going good, ofc he was getting every single correct cause again, he’s the best (he prefers the term “perfect) you could ever have. until it’s questions that even you may not know the answer to that starts to trip him. he thinks you’re pranking him, even after you assured him that you aren’t

✶ haechan would trip you up so you can forget the correct answers to your questions. a firm believer that haechan would sit in a certain position to have you gushing, you try to hide your smile while asking the question but it’s no use when he’s around

✶ though when it’s his turn to ask the question, he is absolutely terrible. he’ll throw in bonus questions to trip you up and when you get them wrong, he is so dramatic my goodness. he’s even worse than mark and think it’s the death of him that you don’t remember his comfort meal

⤹ ⊹ na jaemin .ᐟ

✶ jaemin is actually mellow about his confidence for this couples quiz. he’s as confident as haechan but not nearly as bad as haechan can get. don’t get me wrong, he always assures that he’s the number one boyfriend material but thankfully know he’s not perfect

✶ I’d say out of all dream, jaemin would have, I believe, the third highest score. potentially a tie with renjun for second if he tries hard enough. he gets the easy and hard questions correct without breaking a sweat and sometimes throw in extra info for that question, just to show that he really is attentive

✶ throughout the quiz, he would blow air kisses and reach to grab your hand but you would think that he’s trying to cheat. which leads you to move it out of his reach and leaving him with a small pout

✶ another pouter on our hands guys ! he mostly pouts when he doesn’t get his bonus points or when you reject bonus points from him. no jaemin, you cannot get two bonus points just cause you named your partner’s dream career out of nowhere

✶ when it comes to jaemin’s questions, he is very nice about it and isn’t too harsh with the questions. though, he does throw some curveballs so prepared for that. he’ll go from what’s favorite movie to who’s the first person he talked to on the phone that day

⤹ ⊹ zhong chenle .ᐟ

✶ an actual comedy show when a couples quiz and chenle is combined. listen, he believes these questions doesn’t prove that he is a good boyfriend but he will do it just for the sake of you :p

✶ but at the same time, he will put on a game face and take this couples quiz veryyyy seriously. he refuses to even let a slim of doubt enter you just cause of a couple incorrect answers. I do believe as just as the amount of answers he gets correct, his ego gets stronger and you can tell from his stance

✶ though, (just like renjun) almost every answer he would get wrong, he would firmly believe that he is right. he’ll have you thinking that maybe YOU’RE the one with the wrong answer. he’ll do everything in his power to prove that he’s right and sometimes it gets a bit scary how hard he’s fighting for that point

✶ I would say that his score is pretty decent but he definitely could have done better. though after the interview, he’s still stuck on the questions he got wrong. cause wym your favorite ice cream isn’t cookies n cream ???? he literally saw you eat it last week

✶ now chenle giving you the questions….be prepared for a lot of sass, a lot of dramatic signs, and a lot of ‘I thought my partner knew me better mmcht’

⤹ ⊹ park jisung .ᐟ

✶ literally the best and most perfect companion for this quiz (yes I’m being biased, sue me). the man who would score the highest out of all seven boys but still keep a humble posture throughout the quiz. he blushes after you praise him for the amount he gets correct, which is all ofc :)

✶ sometimes he’ll be specific for certain questions, even after you told him he can keep it vague. he’ll go into detail of how your morning routine is set or little signs to show that you’re not in a talkative mood at the moment

✶ deeper questions are the ones that he is the most confident in, he mentally prepared himself for these type of questions. he’ll give reasons as to why you dislike this food or how you have a heavy distaste towards sports. starting to think it’s just jisung’s excuse to ramble about you

✶ as mentioned before, jisung isn’t as cocky as the members but internally, he knows he got this quiz in the bag. he stays humble and gushes on how much he got right

✶ for questions about himself, he’s one hundred percent sure that you’ll get majority correct. but he isn’t worked up if you were to get them wrong; instead, he lets a lighthearted ‘tsk’ and tells you the correct answer. he also reassures you that you still are a good partner to him, no matter how many you have gotten wrong :)

౨ৎ honestly shocked on how little time this took but I’m really happy with how it came out :)

౨ৎ lemme know if you guys want a 127 and/or wayv version of these hcs 🤭

kisses to you all and God bless you 💗

© 𝟤𝟢𝟤𝟦 𝗌𝖺𝗂𝟦𝗎. 𝖺𝗅𝗅 𝗋𝗂𝗀𝗁𝗍𝗌 𝗋𝖾𝗌𝖾𝗋𝗏𝖾𝖽

[kaevch]

ASSURANCE.

summary: how they comfort/try to help you when you fail in a subject you've been trying your hardest on.

warnings: gn! reader, mentions of crying in riddle's, the subject is not really mentioned, jade's really ooc here 💀.

chrtrs: riddle, kalim, jade

note: shit happened to me so i decided to write this ☹️

RIDDLE ROSEHEARTS:

“ It's okay, I know you tried your hardest. ”

he tries his best to comfort you, since he's not really used to this kind of stuff.

if you start crying, he'll start to panic.

“ Hey, Hey, Hey, it's alright, really. You'll be fine. Uhm, I'll help you study harder for the next exam, alright? ”

hugs you and pats your back ( sort of awkwardly ) while still reassuring you.

his voice might crack abit too

oh and, he does keep his word.

he's more hard on making you study, he doesn't want to see you so distraught again.

he tries his best to explain the chapters in a more simpler form, hoping that'll make you understand the chapters a bit better.

during tea breaks, he asks you to explain the things he just teached you.

he won't get that mad if you forgot though.

just sighs and says it all again

when you fall asleep while studying, he'll smile abit and make sure yourself sleeping in a more comfortable position.

KALIM-AL-ASIM:

“ You tried your best! That's all that matters. I know you'll do better in the next one. ”

Slings an arm over you and brings you closer to him while smiling softly

“ If you'd like, you can come study with me and Jamil! He's a really good tutor, i promise. ”

When you go to study with them, he might act all lazy, but he's really just observing the points you're weak at.

he notes them down in a notebook, and gives it to jamil, asking him to focus on explaining those to you first.

he probably also has sessions with you where you both ask each other questions for the subject and for each one you get correct, you get two points and lose one point if you get it wrong and a pinch on the cheeks.

and the loser has to help Jamil with his chores. ( it was his idea iswear )

( you lost. ) ( AND IM NOT DRAWING HIM. mf has too much details)

JADE LEECH:

“ My, I thought it'd be higher..Do you suppose the teacher made a mistake while checking your paper? ”

first thing he thinks is that it's the teacher's fault you failed ( yeah it is 🤬 )

but after confirming with the teacher that there is indeed no mistake, he sighs and looks at you.

“ What do you think of studying with me and Floyd? You know he doesn't like to study unless it's something interesting. And I know that you're the most interesting student here, and I'm pretty sure my brother thinks the same. So, how about it, hm? ”

is he flirting or something

i swear he'll smile menacingly if you blushed at what he said

after you agree to study with them, he plans out everything nicely.

studies at mostro lounge mostly when it's not working hours anymore, but during work, he'll have you sit at a table near to the bartender's desk (??) so, when he's serving stuff, he can stop by you and ask if you have any doubts

he also serves you some drinks for free (he payed for it)

sometimes he messes with you by lying that you got the answer wrong and casually walking away while you question everything ( THE ANSWER WAS CORRECT TOO, JADE THAT LITTLE BITCH )

he says that if you get high marks after studying with him, you should pay him back with something ( a kiss 😍 ) but if you fail again..you're in for a hard time.

[shuckinbeanz]

Gangster!BNHA au p.3

warnings/notes: nsfw, minors dni or imma 👏 virtual 👏 smacc 👏 u 👏, fucking (literally) gangsters, mentions of kleptomania, mirror kink, mentions of a little feederism, making and use of drugs, sex while high, semi-public sex, cockwarming, slight mention of brat taming, spanking, Service and Daddy Doms, overstimulation, cervix kissing/fucking, size kink, a lil bit of praise kink, as well as dumbification mentions, sugar daddy, & begging if you squint, plus maybe something tiny about an unhealthy relationship? 🤔 but its not toxic. depends how you look at it, whatever floats your boat, ig. i absolutely ruin our poor sweet tama-tan but trust me you'll love the gangster him. 🥴 some are longer than others(not sorry) and I used a translation service for Sero's Spanish, so i know it's potentially gibberish in the actual language, so I'll mark what I actually want him to say. If it needs correcting don't be afraid to hmu 👀 pls

Underage characters are Aged Up!

MINORS 👏 DNI! 👏 AGE 👏 IN 👏 BIO 👏 OR 👏 DNI! 👏 Head on over to @candybowbeansies please for my SFW pieces, or be blocked if you interact here! 😇

First | Second | Third

we know(or at least some of us know) ab @miggiisdumb and her LOVELY gangster!bakugo 🥵 which inspired these! Featuring present mic(who gave me trouble), inasa, sero, fatgum, and suneater(who gave me even more trouble).

shameless tag: @pixiikitty cuz i kno we bof wike tama-tan... 🥺👉👈

gangster!hizashi is another calculating man who puts on a himbo facade. very, very charismatic, so he's often Might Gang's negotiator. his boundless energy is contagious, and your wrong if you think he hasn't been around. like, around, around. man is a favorite where he works, teaching pole dancing-and he's literally their posterchild. he's the one that rakes in clients. yes, you heard me right. he teaches pole-dancing. and he does choreography.

he's literally eros and apollo by studio killers. srsly. listen to the song.

he follows the work hard-play hard style of life. man is a hardcore party animal.

as such, man is a FREAK in the sheets. he's so fucking kinky mf might as well be a fucking porn star. and he is Very open about it. sex is a natural thing to do, and he's legit a natural at it

he's a hardcore top, SOMETIMES he MIGHT let you 'top' him, but remember; he's the one in charge. big sadist this mf is, and an even bigger tease.

with him, it'd be any position viable in front of a mirror. loves to make you watch as his jacob's ladder pops wetly in your cunny 🥴

gangster!inasa is yet another himbo who's all brawn, can never sit still, and has zero brain cells. like gangster!kirishima mans ass is thicc. just grab it, okay? mans will reward punish you later (you can tell from that one look he gives you. ya'know, that one look that makes your panties drop? yes that one 🥵)

as a brawler mans will fite for your honor. there's literally no stopping him. (he's got chronic spontaneity, but we'll do more on that in a bit.) and oh boy, does he pack a mean punch. the kind of punch that will turn someone's face into a bowl if he's pissed off enough. Only those brave enough to degrade you when he's around(trust me, man is an intimidating wall of muscle at a whopping 6'3, and his natural sharp eyes sigh 😩), or those who see you temporarily left alone and decide to degrade/harass you while he's off doing something for a minute or two, get a knuckle sandwhich. "The fuck you think you are, comin' up on my lambchop like I ain't around?!" keheheh look they're flying~

he's spontaneous with the majority of his actions, and he almost always goes along with whatever you want 99% of the time.

and if you're super kinky, man is all for it. wanna use panty vibes? Inasa is a ruthless tease. man will edge you allll fucking day. public restroom sex? boi will take you to one of those unisex restrooms for a ride 🥴

he is a Service Dom, a Daddy Dom, and he's a brat tamer. if you wanna be a brat, he will tame provide to you what you're begging for by being one. you know what you're getting into when you decide to be a brat, you heathens. expect soft discipline(spanking, soft biting, hair tugging/pulling) as he has your bratty cunt warm his exquisite cock balls deep, scolding you for being a brat, til you're literally sobbing for him to rail you already 😩 its phat and veiny and has an angry red weeping mushroom head 😩 its gotta be his enthusiasm its gotta be 😩

"Now, now, little lamb...you knew what you were getting into." Spank. "Riling Daddy up like that." Spank. "You never learn, do you, sweetheart? Now you gotta learn your place, again...no moving."

gangster!sero is very easygoing, approachable, and just overall just take a joint and chillax type of guy. but don't let this fool you. he's another calculating type, but not much can set him off. he knows his limits, and he likely knows yours too. he is extremely observant, and like gangster!deku he expertly plays out his schemes.

he is very sneaky, light-footed(that is to be expected in his line of work), and he has almost zero presence. so expect a lot of scare pranks from him to get a rise out of you 😂 (don't worry you can get back at him later)

to put it bluntly, he's a thief. he can, will, and won't hesitate to klepto whatever catches his eye(especially if it reminds him of you).

BUT JUST BECAUSE HE'S A THIEF dont mean he can't kill someone. srsly. there's a couple dozen skeletons he's made dotted about. literally. but i'll leave that to your imagination. onto the bedroom!

TIE HIM UP, OR LET HIM TIE YOU UP

he's into BDSM. he's a complete brat in the sack. bratty sub, bratty dom. he is a power bottom, and a bit of a masochist for you.

"Oh dios, que me jodan...you're so pretty for me like this, lovebug."

(says "Oh God, fuck me...")

he's ab average in size, he has a nice bulge under his cock and he tilts to th side a lil and down just right😩 when he tops he'll fold you in positions (yes, plural; mans will find them) where he hits your g-spot 🥴 it'll take a couple times, but when he's got you figured out, he'll make you go dumb from then on "Remember the safeword, mi amor." 🥵

gangster!taishiro is Might Gang's drug dealer. man literally has not one, but two kitchens, one for cooking drugs and the other because man is a foodie, as you'd be able to tell from his physique. he is an intimidating gentle giant at a whopping 6'5, and man is dummy thicc. like he loves his abnormally large hoodies that make you look like you're wearing a fucking ballgown cuz he's xtra hawt n xtra large 🥵 but when its off and his form can't be easily mistaken for pure chubalub, man is also stacked and strong. he is very good at cooking drugs, and has a vast array of anonymous clientele. he's a fucking genius.

he's a very playful, sweet, and carefree dude-highly extroverted. you can find him easily, as he frequents literally every (shady) club in town. man has a switch, and it when it flips when he's doin' business he does a complete 180.

like gangster!toshinori, he loves to spoil his honeypie ROTTEN and he is 100% a Daddy Dom. dont be too much of a brat. it won't get you anywhere with him. if you want something, say it, and Daddy will provide. so don't beat around the fucking bush.

"You want somethin', sweetheart? Let Daddy get it for his sweet li'l tootsieroll~"

he loves LOVES waking up to the smell of his baby girl's home cooking. and if you don't know how to cook, he'll teach you if you're willing to learn. Feed him a couple bites or let him feed you once in awhile bc your cheeks are adorable to him 🥺

man is PACKING between his legs, right up there with gangster!toshinori in size. he's a big guy, has a big dick, and as such there ain't many positions that can be used, but he'll always make you feel small and safe and oh my god 🙏 pray for your coochie because Daddy will go up, over, and beyond to make sure she is thoroughly satisfied and will make her go dumb unless you tell him to stop 🥵

"Fuuuuck, babygirl. So tight...you make Daddy feel so good. It's only right that Daddy does the same for you, yeah?"

gangster!tamaki is a hot mess. he's socially awkward, its very likely he suffers from PTSD, he also suffers from depression and has v bad anxiety that leads to his defensive mechanism-lashing out. this defense mechanism also extends to you-and not in the way you're thinking, you masochists. he's loyal to a fault, and when he sees you being harassed, degraded, etc., he will explode. you'll need to calm him down before he permanently cancels some life subscriptions, and you're the only thing closest to gangster!mirio and drugs that can without getting hurt. he's tall, 6'1 but he tends to hunch, and he's lanky, but don't let this fool you. He is very agile and quite strong, so he can take a group at once.

he is very dependent on drugs, and dependent on you. don't get me wrong, he's a grown man, he don't rely on you so much where the relationship would be downright toxic. you are not his therapist, and he knows that, but he still has issues, and you both know that.

cockwarming and cuddles are two huge things with him, especially when he's as high as a kite. he's very handsy and touchy when he's high, and he's very mouthy too. I don't necessarily mean verbally, btw. i mean the kisses he gives. if you let him, he'll leave marks. after he's done, he'll have you ride him til your tuckered out.

"You're so good to me, baby... *Gasp* Y-Yes...keep bouncin', please!~"

when he's high, he's confident and dominant. and with these two combined, he can be very passionate. a tamaki who's high doesn't simply fuck. he makes passionate love-nice and slow, or hot and heavy-so set the pace, honey, because mini-tama is rearing to go; he has a pretty thang 😩 a very pretty thang. it's long and not too chunky and his pretty PHAT light pink mushroom head is fucking sensitive so suck on it 🥺

and THE STAMINA THIS MAN HAS 😩 once he's on the confidence boat, he can and will go for hours. he's kinda masochistic because he LOVES overstimulation, so mans can keep cumming. better make a point to babble praises, because it's music to his ears. he'll have your bodies squished together and his pretty pink mushroom head kissing your cervix. tease him if you want his inner dom to come out and bully your womb open. 😩 do a few kegels if you want him to lose it and rail you hard 🥵

"You asked for it, bunny. Yeah--nnnh--you fucking asked for it."

[moons-and-stars-and-shit]

Hiii i saw your matchups/cakes and I LOVE THEM. English is not my first language so i am sorry for any wrong spelings and grammar use lol. Can a Get a boy from Hq?????? I am a capricorn, with a lot of fire sign in my chart. ISTP. Tall girl, 175cm. Dark blond hair to under my shoulders, blue eyes. Lean bulid, but mby a little broad shoulders and waist. Enything else is normal ig. I indeed have cheek bones and jawline, a caps face traits a think. Stretch marked on my ass and things. Im just gonna keep my personality short cuz i dont know how to talk about myself. Im Shy and intro and first, then i will open up and become a messy and late-coming person. Im never on time to anything. Once you know me and logical thinking, feisty, dark humor type of funny, sly, stubborn, determind, strong minded, oberetiv and a daredevil. I will do enything for somthing in return. Nobody can hold me back. I am also a Clumsy person, a will let a word og two slip and offend somone, will break or forget somthing. Im always there my friends, help them out with everthing and my door is always open for them. Street smart all the way, i Can talk about enything and give tips and trix on enything. Im not the Life of the party, in a party im either outside or taking care of Ppl or i am sipping for other ppls drinks. I listen to pop/rock but i Can vibe to anything. I also love pasta. And cats, but im allergic): I overthink a lot, tend to bottle up on my emotions and then just let it burst when im alone. I got bullied as a kid, thats why i keep to myself and have Some close friends and then friends i dont trust that much. I like long lasting realtionships and friendships. I wont settle for somthing that i dont belive will work. I just want to feel safe and loved and held, lol. Am i rly ugly cryer btw so i wont look into another persons eyes. I train a lot, do sport shooting, wresle a lot with my friends and dad in a safe way ofc. I love to have a friendly and funny wtesle. I lough a lot. I said i do sport shooting, and i hate it when ppl take it the wrong way and starts to compare it to illegal activity. That my biggest pet peeve, and loud chewers. I LOVE CHEES AND CARD GAMES. Also late night means and snacks. My favorite time is like late at night, after sundown. Late night walks. Laser tag or paint ball is a must, Water and pillow fights AGH my dreams. Also, just to chill in a bathtub👌🏻✨Pfffff Idk what more. I would like a boy form Haikyuu, whos taller than me. Would be up to my randome and mby dangerous ideas, but also calm and relaxing when it fits the mood. Dosent need to know how to comfort a crying person, just like do the basics and ill be fine. THANK YOU SO MUCH😘

@sussebassen

Romantic Matchup

Tendou Satori

How Y’all Met

Ahhhh

Y’all had a class together

And EVERY SINGLE DAY you would show up late

Every. Single. Day

It doesn’t matter if you we’re 5 minutes late, or 15 minutes late

You never showed up on time

This peeked Tendous interest...

So, he asked you about it

You then explained how you never try to be late, it just always happened

Then one day

Satori was walking to class

The bell was going to ring soon so he was trying to hurry

Then he saw you

You were also just trying to get to class ON TIME for once

But you tripped...

And you fell...

And ALL of your papers went everywhere 🥲

You silently cursed to yourself before rushing to pick up your things

And you we’re startled when a certain redhead began to help you

You guys had gathered all of your things before RUNNING to get to class

And you guys were still able to make it on time 😃

The teacher made a remark that maybe you should hang around Tendou more often if it gets you to class on time

Little did he know that you would do just that

Apparently you both had similar interests

So you guys became really good friends

And feeling began to bloom over time

Poor bb was to scared to confess to you tho :(

He didn’t want to scare off one of the only friends he had

Of course he told all of this to Ushijima

And of course Ushijimas LOUD MOUTH

spilled the beans

Unintentionally of course

But still

He just didn’t get the gist that all of this was supposed to be a secret

So one day when he and Tendou were walking together

They saw you

And Ushijima was just like “ah your that person that Tendou likes correct?”

You:😳

Him:🙂

Tendou: 🥲

Tendou then took you aside and properly confessed his feelings

He was 100% sure you were gonna reject him

“I like you too Tendou”

I’m sorry what????

He was SHOCKED

Baffled

Beguiled

But SUPER DUPER HAPPY

he pulled you in for a bone crushing hug

And promised to be the best bf ever

Awww my boy luvs ya

What They Love About You

Ight I’m just gonna say it...

Mans ADORES your stretch marks

He thinks they’re so cool!!!

He often compares you to a tiger because of them

Oof

He LOVES your sense of humor

He also has a darker sense of humor

So you guys mesh very well when it comes to that

Loves that you have the combo of being sly and a daredevil

If there’s one thing satori loves...

It’s pranks

So those traits of yours make pranks so much easier to pull off 😩

He loves how he can talk to you about ANYTHING

He knows that if he’s ever distressed about something he can go to you

So he’s vv grateful for that 🙏

Favorite Things To Do Together

Oh he LOVES to play card games

His favorites is slap Jack

WARNING: he gets REALLY into that game

So he hits HARD

So be prepared...

He 100% swoops you away to stores in the middle of the night

Have you guys been caught sneaking out?

Yes

Was that the last time you did it?

Absolutely not

LASER TAGGGGGG

YOU WILL GET DESTROYED

MANS IS THE KING OF LASER TAG

So just take that L

Also paintball

He’s not that good at paintball

Mans aim is booty

But he still likes to play!

Random Hc

You’d actually be quite shocked on how chill he could be

Like sometimes he just reads his manga sin silence

If you want to talk then sure

But those are the moments he prefers to be quiet

The reason he’s so good at laser tag...

Is because kids used to target him 🥲

So he had to adapt...

And now he’s a pro!

If you ever want to talk to him about your bullyed past

ON GOD mans is always there for you

He knows what it feels like

So his goal is to comfort you when it comes to that

Honestly

Mf chews loud...

So that’s something you’d have to work on 😃

But he’ll try his best to stop if it bothers you THAT much

Astrology

Capricorn + Taurus

When Taurus and Capricorn come together in a love match, it’s a practical, sensible partnership.

These two Signs share a certain down-to-earth logic and interest in efficiency.

Taurus is not interested in risking more than is necessary in terms of emotional connection and involvement, and Capricorn is similarly disinterested in risk, but more in terms of money and career.

Capricorn’s career is one of the great focuses of their lives; they’re interested in scaling the heights and tend to set very high standards for themselves to adhere to.

Taurus has high standards as well, but regarding love, relationships and possessions.

These two signs admire ones dedication and strength, but, while they have this in common as well as a dependable, realistic, somewhat conservative approach to life (Capricorn more than Taurus), a love relationship between them can go stale fast.

The problem? They’re actually rather different at their cores.

Taurus may begin to find Capricorn too conservative and restrictive

Capricorn may start to think Taurus is too lazy and doesn’t care enough about career and status.

If Taurus can encourage Capricorn to relax a little and appreciate the fruits of labor, and if Capricorn can help motivate Taurus to achieve goals and make dreams a reality, their union can be smooth, happy and long-lasting.

Overall Aesthetic

Chaotic Teenage Romance

Songs

Electric Love- BØRNS

Line Without a Hook- Ricky Montgomery

Scrawny- Wallows

Hey Lover- Wabie

[kinktae]

[!] ❤️

writing this is really hard. someone once said something to me that made that ill part in my brain feel like my hardships were burdenous and that talking to u guys about my struggles with mental health was evil. it’s not their fault that I think the way I do, but it has taken me a long time to recover from that. I want to be honest with you guys in this post. I’ve tagged the correct warning but I’m going to go ahead and write them out too!

TW // DEPRESSION, LOW SELF ESTEEM, ANXIETY, AGORAPHOBIA, ACADEMIC STRUGGLES

I haven’t felt like myself for a while. In fact, I really really dislike myself, which hurts to say but it’s true. I hate how I keep everything inside and never ask for help and how I sink and sink and that it takes hitting rock bottom for me to make a change for the better.

A friend sent me this during my shift a couple of hours ago (marked out is the name I go by with irl friends):

And I burst into tears, not because I was touched but because I felt like a fraud. I don’t feel like an inspiration. I haven’t been to school in a month. I’m horribly agoraphobic once again and haven’t seen my friends in so long. I’m in the same hole I was last year. And I’m so, so disappointed in myself.

I don’t know if it’s too late to turn things around school wise but I’m sick of hating myself and treating myself like shit. My head doesn’t agree but my heart knows I deserve to love myself!! I deserve the mf world!!! And I want to fight for the life I want!!! I’m so fucking sick of waking up every morning shaking with anxiety, lying in bed for hours hating myself as I count down the hours until my shift so finally I don’t have to be alone. My animals and my job are the only reason I wake up and leave bed. I’m not living for myself and as I sit here in my car post work, crying as I angrily eat my croissant, I realize how unfair that is and how much I need to actually do something about it.

I made this decision before I posted bitchin 6 and now it finally feels like the right time. So yeah! I’m going on hiatus. For at least until the end of 2019. Probably even longer... However long it takes for me to love myself again. This is very much a real life thing and not a tumblr thing. I still love it here but my head and living situation are a mess. My mom no longer lives with me and is engaged to a man I hardly know. I got a new dog but feel guilty about it and think about my previous one. I’m moving towns in a week and am being forced to leave my job. It’s just... all too much right now all at once. And I need to sort it out. I owe it to myself.

But I will be back. I will still write every chance I get on this break. Who knows, maybe I’ll even pop in every once and while to post a fic and then dip... i don’t know but the idea of making this post and deleting the app for a while so I can fix myself just make me feel lighter, so I know it’s the right thing to do. Thank you to my wonderful friends/readers who have been so so kind to me. Seriously, more than usual you guys have been gentle and patient with me and I’m eternally grateful. I hope you guys can wait for me and will still be here when I finally come back, whenever that is.

This isn’t a goodbye, but a see you later, I promise. I hope you guys understand. thank you. ❤️

[learningtobeameatball]

got tagged by @kingboolesbian to answer a ton of questions so here! we! go!

1. what’s the colour of your hairbrush? (black with a lil lime green)

2. is there a food you never eat? (zucchini unless it’s in zucchini bread bc that’s the bomb.com.org.co.uk)

3. are u usually too warm or too cold? (i’ve overheated to the point of getting sick - in october)

4. what were you doing 45 minutes ago? (sleeping in)

5. what’s your favourite candy bar? (crispy mf crunch)

6. have u ever been to a professional sporting event? (several, not usually by choice tho lol)

7. what was the last thing you said out loud? (goodnight mom, love u, see u in the morning)

8. favourite ice cream (pb and chocolate)

9. what was the last thing you had to drink (oj)

10. do u like your wallet? (oh yeah it’s simple, masculine, and real leather)

11. what was the last thing u ate? (a cookie i stole from the pantry at 1am)

12. did u buy any clothes last weekend? (i gotta pay rent in the fall so nope)

13. what’s the last sporting event you watched? (probably a hockey game my brother was playing in)

14. favourite flavour of popcorn? (smartfood white cheddar don’t kill me dad)

15. last person you sent a text to? (my friend daniel)

16. ever go camping (yeah, with girl guides when i was little, but my dad’s idea of camping is a three star hotel - that’s a quote - so we’ve never camped as a family)

17. do you take vitamins (nah but not a bad idea lol)

18. do you go to church on sundays (as infrequently as i possibly can)

19. do you have a tan (when i go outside, my legs blind me)

20. chinese food or pizza? (yes)

21. do u drink pop with a straw (nah)

22. what colour socks do you usually wear (white with some sort of neon accent - y’all know those puma socks?)

23. ever drive above the speed limit (i can barely drive at the speed limit without panicking)

24. what terrifies you (driving, a loved one dying)

25. look to your left; what do u see? (big bottle of melatonin)

26. what chore do u hate? (vacuuming bc i can’t listen to music bc i don’t want ear damage)

27. what do u think of when you hear an australian accent? (i babysat these three australian kids for ~6 months and they would correct me if i called the bathroom anything but the ‘toilet’ but they really loved me and the feeling was mutual. also i have a video of them beating a pile of snow with sticks and saying i hate trump - this is what we think of the wall)

28. favourite pop? (grapefruit fanta babey)

29. do u go into fast food places or hit up the drive thru (if i’m in a car, drive thru)

30. last person u talked to (my mom)

31. favourite cut of beef (trying not to eat beef anymore but uhhhh ground beef is really versatile so that ig)

32. last song you listened to? (self control by laura branigan)

33. last book u read? (circe by madeline miller)

34. favourite day of the week? (thursday. could not tell you why)

35. can u say the alphabet backwards (slowly?)

36. how do u like ur coffee (i don’t)

37. favourite pair of shoes (mint green vans or black oxfords)

38. what time do u usually go to bed? (12:30)

39. when do u get up? (7:30 if i’m working/at school, 9/10 in quarantine)

40. sunrises or sunsets (sunsets)

41. how many blankets are on your bed (1 blanket, 1 duvet)

42. describe your kitchen plates (the ones i got from ikea for my apartment living are greyish blue and i love them so much)

43. go to alcoholic drink? (usually mike’s hard lemonade but i’ve really been liking blackberry cider recently)

44. do u play cards? (ye boi)

45. what colour is your car? (clear/invisible)

46. can you change a tire? (no :/)

47. favourite province? (i really love nova scotia. it’s so pretty)

48. favourite job you ever had? (popping popcorn & serving guests at a movie theatre)

49. how did you get your biggest scar? (i don’t have any but i’ve got hella stretch marks lmao)

50. what did you do today that made someone happy? (i said i love you to my friend)

i’m gonna tag @epahetero and @anotherdumbasslesbian bc we’re mutuals and y’all seem cool

[mythykl]

The heartbreak. *Orange* pt.1

*with hiroto suwa*

Word count - 1074

First meet -

I knew him since kindergarten. At first, I thought he’s a pretty shy and timid kiddo but within a few weeks, he had become friends with most of the peps in ourbatch. Even me! He was so kind, yet humorous aka the oFficiAL freakin clown/PRANKSTER of the class.

In middle school –

-      As the time passed, we drifted apart. Sometimes, I’d come across him while he used to play soccer with his friends.  I pretty much assumed that he must’ve had forgotten you.

*but guess wut.*

In midst of my dumbass lost in dwan, the ball, which he kicked, just flew across the ground and hit your head. I thought that I’m dead for sure then; but ahhh. Suwa showed up from across the ground and pRooOLLyyYy carried me to the school infirmary.

-      Later that day, I found myself lying on the bed. Recollecting the events took some time. I noticed the door swung open and see a few students enter, along with suwa, they had come to see me. They apologized a lot, though I said ‘it’s no big deal’ and it was my fault. They finally left after giving me sweets as a get-well-soon gift. Unexpectedly Suwa stayed behind.

-       We end up talking fUckiNnng a lot. He started the convo tho, while my ass was just sittin’ there all awkward, about how less he scored in science *especially chemistry*. He told me why he doesn’t wanna go home, cuz’ he can’t show his broke ass marks to his parents. That’s how soccer came up. He told me about his dream of being the best at soccer and get into the national team; also that he made it into the U-12 team of the school. i of course was really happy for him and praised him. i still remember the smile he gave to me, the sweetest.

*that’s why, disregard of my fabulous headshot, i didn’t call my parents to get you, or asked one of my friends to wait for me.* ya.

“Y/N, wanna tell me about ya dreams?” he asked.

“Ah. Well I haven’t decided, but prolly a ___”

“That’s great! You always seemed into that stuff anyways, even in kindergarten!”

-      Sure. we were both surprised and glad about how much he remembered of those days. His words were encouraging and even his lame jokes made me laugh my ass out. Though I was dizzy and needed sleep, i did continue to talk with him and didn’t want him to leave.

-      He walked me home that evening and treated me with curry buns, as he apologized for hurting me like a millionth time *sry. too far*. i just smile it off, cuz’ at this point, my ass was annoyed and wants this guy to stop sayin sOrrY. But you loved the walk and all the time which my spent with him. It was beautiful.

-      From that day onwards we did see each other around and smiled, had small talks at times, nothing big. Somehow, I used to stare at him pretty often. He was growing into a giant rapidly. Tf. I loved the way he used to lean against literally anything, with his long posture.

-      but i started thinking that his gestures that day were just out of the guilt of hurting me.

-      Soon the middle school comes to an end, with me realizing that i’ve started developing feelings for him!!

High School –

-      i decide to move on from suwa and concentrate on my life ahead.

-      i end up in class 6 as.. Azu *aka Azusa Murasaka* and Naho become your first friends in High School. we fail to get super close since, i spend most of your time with U-17 Soccer team as the manager.

-      Suwa, a late admission, is in my class too now. I’m apparently the first person he started talking with. I helped him to get into the soccer team about which he’s super grateful to you.

-      unsurprisingly, within one day, he’s friends with most of the people in class. i realize that I wasn’t over him yet, thus, i try to avoid him as much as possible. This also resulted in you drifting apart from Naho and Azu within a few months.

-      You think that your life is anyways too busy to care about small heart breaks, but you do care. A lot.

After 21st Athletic Festival –

-      being the class representative of the Event Management Committee, i congratulate the red team on their win, to everyone except suwa. my heart aches at the thought of being so ignorant towards him. i want him to smile, I WANT TO MAKE HIM SMILE; I’m thrilled at the win cuz’ it was Suwa’s win as well. But eventually, i shake off this thought.

-      Suwa doesn’t care about me.

    *Or that’s just you over thinking. Cuz guess wut.*

-      As i walk outside the school the same day, like super late cuz’ I  had to stay behind for some event work, i find hiroto suwa just standing there. AS IF HE WAS WAITING FOR YOU.

“hey.” He says as he slurps his orange juice.

*immediate panicking*

“Practice?” i immediately respond.

“Why’d I’ve a practice today?”

i feel embarrassed instantly and look away.

“I hope you’re still sane while doing all that hard work.. for us.” He continues after a long sigh. “Wanna walk home?”

*adrenaline rushing at light speed.*

“Sure.”

At your words, he jumps off from his lazy standing posture, as he throws his juice pack in a trash can and follows behind you.

-      Standing so close to him, I could smell him, HIS SWEAT, and I ain’t complaing, this mf sMELLS LIKE SUGAR/CARAMEL!!

-      We start walking.

*Pretty much silent.*

He’s the one, again, to break the fuckin’ ice. We talk about the latest soccer season games coming up, discussing about preparations, practice matches and stuff. Everything goes too formal, until he says..

“I was so shocked when the new manager asked me out. She’s sweet but..”

“Not you’re type?” i interrupt.

“No Y/N.. well, I don’t know. I’m just curious of how people can fall for mere looks.” He chuckles.

*you’re heart skips a beat*

i stop walking, making him stop too. i look up in his eyes, he’s confused.

“What if it were me, what’d you say?” i finally utter with all my strength.

He’s shocked. i feel embarrassed and FELT unACCEPTED.

That’s when Kakeru appears behind him on his cycle. literally outta nowhere.

**went too far within the last 1000 words lmao**

Word count - 1074

all hail kakeru the wizard.

note - tried to write a ??headcanon?? i guess. For the first time. I’m not familiar with the correct term. There might be a lot of grammatical mistakes, pardon my ass lmao.

it seems fast paced but idk. the ending is gonna be wreckin tho

I’ll surely post pt.2 within a few days. tysm.

[zalrb]

TVD 1x04 Review

Hi all! Welcome to the fourth review of TVD season 1. Considering that I haven’t like sat down to watch a full episode of the past seasons of TVD in a few years and my memory might not be the greatest I think I will start with my usual disclaimer: I write my thoughts in real time so if I make a mistake at the beginning of this post, it will be corrected by the end. There will be anti-Damon and anti-Delena sentiments (I’m only mentioning these two because it’s the beginning of the series), and in light of recent events I feel the need to say that there may be some anti-Jenna sentiments too. I will probably bring up other shows and call attention to misogynoir, racism, anti-blackness etc. Ready? Let’s go.

1. I always wonder how these dreams work, like how much detail does Damon have to put into it? He has Elena wearing the necklace, Logan Fell is on the TV, he has the details of her room and her kitchen, like how does he create these dreams to terrorize Stefan with? Or does he go into Stefan’s head and Stefan has all these details already there so then Damon just manipulates his memory?

2. You know, sometimes I watch teen shows I watched when I was younger and I can go, yeah I can see why people went crazy for this guy even though he’s a dick. I don’t get that, I cannot see why with Damon.

3. His hair is back to be thoroughly offensive. When do they fix it for good?

4. Stefan throwing a knife at Damon’s chest is still, like, my favourite Defan moment.

5. Damon is so petty, like all he does is hangout in Stefan’s room and terrorize him!

6. “Believe it or not, Stefan, some girls don’t need my persuasion.” Damon, you compelled Caroline, you compelled Andie, and it took a sire bond for you to actually get Elena. Who are you fooling, fam?

7. Another Stefan shirtless shot! Seriously, they totally exploited his abs in season 1. Lmao.

8. OH MY GOD, STEFAN STOP WITH THE VOICEOVER.

9. Lol Jenna and Jeremy are in the other room and Elena just grabs Stefan and kisses him like ok my room upstairs RIGHT now.

10. And I didn’t realize Stefan’s reaction, he has a grin on his face but he’s lookng around like ... Really? Omg they’re adorable.

11. In every makeout/sex scene SE do there’s always a moment where Stefan or Elena pause to look at each other, even if it’s brief, just to have that eye contact.

12. Nina’s sighing pretty hard.

13. I also like how when Elena is like “Maybe we should press pause” and Stefan agrees, he has to go and sit on the other side of the room, like they cannot be on a bed together because it’ll just get that intense again.

14. Also an anon was talking about how they find it interesting the psychology behind a vampie who is in love with someone but still has the urge to feed on them and I responded that Paul was really interested in that dynamic with SE as well and you really do see it in this scene. They’re getting to a very visceral place with the physical contact so that viscera shifts into his vampirism and hunger so he has to press pause, it just adds to a whole other level of angst.

15. “I would be honoured to accompany you, Miss Gilbert.” 1864 Stefan making a comeback.

16. And Elena is fucking loving it.

17. “No yellow, jaundice go for the blue.” “I don’t like the blue.” “Well, I do.” The problem with Damon is that he doesn’t come across as a vampire, he comes across as an abusive boyfriend. With Stefan, he’s a vampire in the simplest things like the fact that he can become a fucking statue when he’s angry or the fact that he will speak a little old-fashioned and of course the fact that his veins appear when he gets too close to Elena, showing that he hasn’t mastered being in society that well. Damon just has the dialogue and the fog and the crow, he just seems like a guy who has a bunch of tricks and murders people because he feels like it so the Daroline dynamic doesn’t even feel like a predator playing with his prey, like it doesn’t feel non-human and human, he’s just abusive.

18. It’s also really sad watching Caroline look at Damon’s bite marks in the mirror. 

19.  “You can be very sweet when you want to be.” This is legit just an abusive dynamic, I don’t even want to say relationship anymore because Caroline has no free will.

20. “And Damon’s not dangerous, he just has a lot of issues with his brother, like major, deep-rooted drama” listening to Caroline speak is like listening to Delena stans.

21. “This country’s dumbed down in the last hundred years.” Oh yeah because enforcing enslavement was the pinnacle of American genius. Fucking writers.

22. Zach was unnecessary and the actor is AWFUL.

23. “I got your punk.” What does that mean exactly, Jeremy?

24. I like how everyone is blaming Stefan for Katherine when Damon is, like, 23 or 25.

25. Elena being like hmm, how do I know if Stefan is a calculating, manipulative lying and Damon is the victim, maybe Bonnie is right, is ridiculous considering that Damon tried to kiss her last episode and she experienced Damon being manipulative and called him out on it saying that it was his intention to make her feel uncomfortable. Like this is so fucking manufactured.

26. Paul’s arms though. And then Ian walks in topless like ... *rolls eyes* put your shirt on.

27. Damon, you would drive anyone to drink, you’re annoying and homicidal.

28. "If I go online will I find it [the pocketwatch] on ebay? Is that how you pay for your pot?” I know she was making a point but like how expensive does she think weed is?

29. “Yes, being a 150 year old teenager has been the height of my happiness” lol Stefan’s dry wit kills me each time.

30. “I’m not some drunk sorority chick, you can’t roofie me” that is a seriously disgusting line. And people want to argue that Damon isn’t a sexual predator?

31. Ian’s hair is OK again, I guess he, like, brushed it.

32. Tyler legitimately brought Vicki into his house through the back. Like that’s rude.

33. Caroline is rude to Liz for no reason, which is why in the later seasons, when they tried to act like she and Liz always had a wonderful relationship I side-eyed it.

34. Elena reading the registry makes me laugh because I remember the bloopers when Nina couldn’t get one name, like she just couldn’t move past it so Paul and the crew made a joke like, think of it as gonorrhea. And that name isn’t in the final cut.

35. “My therapist says I’m acting out... trying to punish Stefan” are you 16?

36. See Damon telling Elena how he and Stefan died without saying how they died and his clear pain over what they did to him and to Katherine would’ve been a storyline I would like to follow more. If he came back to MF to destroy it because of how much he hated it and he chose Caroline to get back at the Founding families, if he was still devastated by what they did but then throughout the season started realizing that Caroline and Tyler and Jeremy and Elena, essentially the descendants of these families, were actual people and developed from that, I think they could’ve had something interesting. And the show has like remnants of this idea throughout season 1 but it isn’t an actual arc for Damon because his arc is supposed to be Elena and he terrorizes the town because he feels like it, it isn’t a statement so he’s just a dick.

37. “Doesn’t it always come down to the love of a woman?” No. And this is Damon’s entire problem.

38. “That’s what you get when you bring the trash into the party” ... Carol, what? Vicki actually did nothing a “respectable” young woman wouldn’t do. Like it just doesn’t even go.

39. Yeah Bonnie is hardly in this episode. Shunted to the sidelnes for no reason. Caroline and Elena haven’t even gone over to her table to see what’s happening. Caroline I forgive because she’s Damon’s puppet right now but Elena, really?

40. I love the way Elena stares at Stefan when they’re dancing and then she giggles to herself because she’s just so happy being with him.

41. “I hope Damon didn’t drive you too crazy.” “No actually, he was on good behaviour” manipulation, Elena, that is what manipulation looks like.

42. Yes, Stefan, Damon is trying to get Elena to turn against you but you not saying anything about yourself isn’t helping matters either. I mean, it makes sense because you’re still fucked up about what Katherine did to you but you gotta budge a little, honey.

43. Oh hey Elena, talking to Bonnie who you left alone all night to bitch about your boy problems?

44. Carol didn’t even say hi to Bonnie.

45. There’s actually no reason why Damon had to bring Caroline to this.

46. I also don’t care at all about Jenna and Logan.

47. “I’m sorry, I take it all back, you are completely right about Damon”, but like Elena wasn’t even defending Damon in the previous scene, so ... what? 

48. “I’m handling it.” “Handling it? Stefan, you should be having him arrested.” Elena, why don’t YOU have him arrested? You saw the bite marks and you told Damon to stay away from her OR you’ll tell her mother, what is with the show and having characters threaten to do something they should just DO? Like, I would understand it if Elena doesn’t quite know what to do in the situation and thought she did a good job by telling Damon to stay away from Caroline because she IS 16 but her getting mad indignant at Stefan is like ... or you could do what you’re telling him to do?

49. Vicki and Jeremy, is just. Ugh.

50. Seriously this scene between Damon and Caroline is fucking terrified, rewatching it really just emphasizes just how awful the show is for the Daroline friendship.

51. And Damon being broken hearted over Katherine does not excuse this behaviour.

52. I just, how does Elena not remember hugging Caroline who was breaking down in her arms saying “I’m fine, I’m fine” every time she’s with Damon? Like how she does she just block that out?

53. Oh, ending it on the utterly useless council.

I don’t know, man, these early episodes just reaffirm my hatred for Damon.

[personalfn-blog]

How To Switch From Mutual Fund Regular Plans To Direct Plans

You have probably come to realise that regular plans of mutual fund schemes work out to be a costly affair for long-term investments.

If you invested in mutual funds before January 2013, the only plan option available was regular plans. Effective January 1, 2013, each mutual fund scheme that was available for subscription offered direct plans with a lower fees or expense ratio.

Direct plans, as the name suggests, are for direct investors who skip the intermediary or distributor. Due to which, these plans exclude distributor commissions, hence, are available at a lower fee to investors.

The difference in costs may seem like a few percentage points, but over the long-term, it could work out to lakhs of rupees.

To know more about the benefits of direct plans, do read: Mutual Fund Direct Plans - Everything You Need To Know

Over the past five years, many investors who realised the benefits may have already made the shift to direct plans.

Others may have inadvertently continued investing in regular plans through Systematic Investment Plans(SIPs) or have remained in the dark on this key regulatory change. Exit loads or even lock-in periods have dissuaded investors to switch from mutual fund regular plans to direct plans.

You may have invested in a regular plan on the advice of a distributor, but now as you no longer avail of their services, it will probably be wise to switch to direct plans.

However, before making the switch do remember, you need to be financial savvy to make prudent investment decisions. If you lack the expertise, don't worry, you can always avail of the services of a fee-based investment adviser.

Also read: Penny Wise & Pound Foolish? Here's Why Direct Plans and Trustworthy Advice Must Go Hand-in-Hand

But you need a financial planner or investment adviser who is a mark of trust and respect. They should exemplify the highest fiduciary standards at all times — handles your hard-earned money with enough care and prudence, much as how they would manage their own personal finances – with an unbiased and an independent approach. The recommendations need to be backed by rationale and scientific study.

A fee, however, is the monetary price you would have to pay to avail such a service.

Do have a look at PersonalFN's Comprehensive Financial Planning Service here.

Important factors to consider before switching from regular plans to direct plans:

(Source: pexels.com)

Voids distributor services

Exit loads

Lock-in periods

Tax implications

Investments made via a broker in demat form

As highlighted earlier, a switch from regular plans to direct plans will devoid you of the services of a distributor. If you need someone to handle the paperwork or facilitate transactions, several online platforms that are registered as investment advisers help you do this at a small fee. The fee could be in the form of per transaction cost or a monthly or annual subscription. Some provide additional services such as goal-based planning and top mutual fund recommendations. Do review all platforms and avail of a service that provides trustworthy and unbiased advice.

Do read: Does Your Robo-Advisor Provide Research-Backed Recommendations?

When switching from regular plans to direct plans, the exit load criterion is applicable. Therefore, if the scheme charges an exit load of 1% from redemption of units held for less than a year, you will need to pay this charge on such units.

If you are investing in a regular plan via a SIP, the exit load period is calculated from the date of each monthly instalment. Hence, you may need to make the switches in tranches over a period to escape the exit load penalty.

Also remember, when you switch to the direct plan, it is considered as a new purchase. Hence, the new exit load tenure will begin from the date of the investment in the direct plan. Do keep this in mind if you have goals that are due to mature over the short-term.

Equity Linked Savings Schemes (ELSSs), Retirement Funds, Children's Fund, or similar investments come with a lock-in period of 3-5 years. This means, you cannot redeem or switch the units before the expiration date of the agreed tenure.

Thus, before you plan to switch out of a regular plan to a direct plan, do make sure your units are free from a lock-in period. As in case of the exit load criteria, for investments via a SIP, the lock-in period is calculated from the date of each instalment.

Here again, when you switch to the direct plan, the lock-in period will start over on the investment. If you have goals that are due to mature within the next 3-5 years, a switch from regular to direct plans should be avoided.

Yes, now here's another important factor to consider. Earlier, for equity mutual fund units held for greater than one year, long term capital gains (LTCGs) was tax-free. From FY2018-19 onwards, LTCGs of above Rs 1 lakh will attract a tax @10%.

So, if you have a sizable corpus in a regular plan, you may need to stagger your withdrawals over multiple years to avoid losing a large chunk of your money in tax.

Similarly, gains on debt funds too, attract tax. However, on LTCGs you get the benefit of indexation. Therefore, do weigh the costs and benefits of switching to a direct plan. As in the case of the exit loads and lock-in periods, the tenure to qualify for LTCG or STCG will start over from the date of investment in the direct plan. Do keep this in mind to avoid unnecessary tax outflows due to STCG tax implications.

If you have made investments via your stock broker, a direct switch to direct plans will not be possible as in other cases. This is because stock broking firms act as distributors, hence, provide only the regular plan option. In such cases, you may need to redeem your investments from your stock broker and reinvest through a direct mutual fund platform. You can also make the switch online or offline directly by approaching the fund house.

How to switch from regular plans to direct plans

(Source: pexels.com)You've considered all the costs and tax implications and have decided to make the switch, here's how to do it -Offline mode – 5 simple steps to switch from regular plans to direct plans

Visit the office of the fund house or the respective Registrar and Transfer Agent (RTA). You can locate the mutual fund office in your city here - https://www.amfiindia.com/investor-corner/. If you have MF Utility account, you may visit their service centres as well - https://www.amfiindia.com/investor-corner/online-center/locate-MFU.html

(Source: ICICI Prudential Mutual Fund, PersonalFN Research)Ask for the Common Transaction Slip for purchase, redemption, or switch. You may download the form from the RTA or the AMC website. Pre-fill the form to ease the process at the AMC office or RTA. MFU transaction forms can be downloaded here - https://www.mfuindia.com/CTF. You can even prefill the form before printing.

Ensure all the details are correct, specifically the source scheme name and target scheme name, as well as the amount or number of units that need to be switched. Once verified, then Sign and Submit the form.

Collect the time-stamped acknowledgement as proof of submission.

As soon as the transaction is processed, you will receive details on your registered mobile number or email id.

Online mode – Switch from regular plans to direct plans in 5 convenient steps

If you have registered for online access through the website of the AMC or RTA or MF Utility, you may conveniently submit the switch transaction request. Once registered, login to access or view the fund holdings.

Some websites list the schemes with an option for additional purchase, redemption or switch request alongside. You can click on the switch icon to access the switch transaction page. All you need to do is input the amount or number of units to be switched, and the source scheme name and then submit..

If there isn’t an option to switch besides the scheme name, proceed to the transaction page and choose the Switch option. Here you will need to pick the Source scheme from your list of holdings and the Target scheme. Enter the amount or number of units and proceed.

A confirmation page will be displayed with a summary of the transaction. Ensure all details are correct and that the target scheme is correctly chosen.  Proceed by giving your confirmation.

Certain portals may require a transaction PIN or ask you to re-enter your login password as an added security measure. Provide the authorisation to complete the transaction.

On successful completion of the Switch, you will receive a confirmation on your registered mobile or email id.

As seen above, the process is fairly simple to switch from a regular plan to direct plan. However, before switching, it is pertinent to foresee the implications of such a transaction. You need to evaluate the impact it will have on your financial goals.

However, for fresh investments towards long-term financial goals, do approach a fee-based investment adviser and invest in direct plans. You will end up with a huge savings over time.

If you require some handholding on the path to wealth creation, to create a customised investment portfolio, or need to organise a financial plan in place, seek guidance from our Financial Guardian who can assist you in an unbiased and objective manner. Schedule a call here.

At PersonalFN, we put your interest before our own and recommend Direct Plans of mutual funds, adopting high fiduciary standards.

Editor’s note:

There’re thousands of mutual fund schemes on offer, and busy investors like you hardly get time to evaluate all of them before shortlisting a few.

Don’t worry! You still have a chance to invest in some of the most reliable schemes available in the market at present, without doing even an iota of work at your end.

You can rely on PersonalFN’s unbiased mutual fund reports.

As a part of its premium mutual fund research service, PersonalFN brings to you ‘FundSelect’—a research report which offers honest and unbiased mutual fund recommendations. Along with clear recommendations, FundSelect also summarises reasons to buy/hold or sell a scheme in a crisp form.

For serious readers, it renders a comparative study with even deeper insights of the portfolio, investment style and performance across market cycles among others. Aided with tables and easy-to-understand charts, PersonalFN’s FundSelect reports offer you value for money.

Only for a limited period, we are offering this exclusive service loaded with benefits. Don’t miss it. Subscribe now!

Author: Jason Monteiro

This post on " How To Switch From Mutual Fund Regular Plans To Direct Plans " appeared first on "PersonalFN"

[personalfn-blog]

How To Switch From Mutual Fund Regular Plans To Direct Plans

You have probably come to realise that regular plans of mutual fund schemes work out to be a costly affair for long-term investments.

If you invested in mutual funds before January 2013, the only plan option available was regular plans. Effective January 1, 2013, each mutual fund scheme that was available for subscription offered direct plans with a lower fees or expense ratio.

Direct plans, as the name suggests, are for direct investors who skip the intermediary or distributor. Due to which, these plans exclude distributor commissions, hence, are available at a lower fee to investors.

The difference in costs may seem like a few percentage points, but over the long-term, it could work out to lakhs of rupees.

To know more about the benefits of direct plans, do read: Mutual Fund Direct Plans - Everything You Need To Know Over the past five years, many investors who realised the benefits may have already made the shift to direct plans.

Others may have inadvertently continued investing in regular plans through Systematic Investment Plans(SIPs) or have remained in the dark on this key regulatory change. Exit loads or even lock-in periods have dissuaded investors to switch from mutual fund regular plans to direct plans.

You may have invested in a regular plan on the advice of a distributor, but now as you no longer avail of their services, it will probably be wise to switch to direct plans.

However, before making the switch do remember, you need to be financial savvy to make prudent investment decisions. If you lack the expertise, don't worry, you can always avail of the services of a fee-based investment adviser.

Also read: Penny Wise & Pound Foolish? Here's Why Direct Plans and Trustworthy Advice Must Go Hand-in-Hand

But you need a financial planner or investment adviser who is a mark of trust and respect. They should exemplify the highest fiduciary standards at all times — handles your hard-earned money with enough care and prudence, much as how they would manage their own personal finances – with an unbiased and an independent approach. The recommendations need to be backed by rationale and scientific study. A fee, however, is the monetary price you would have to pay to avail such a service. Do have a look at PersonalFN's Comprehensive Financial Planning Service here.

Important factors to consider before switching from regular plans to direct plans:

(Source: pexels.com)

Voids distributor services

Exit loads

Lock-in periods

Tax implications

Investments made via a broker in demat form

As highlighted earlier, a switch from regular plans to direct plans will devoid you of the services of a distributor. If you need someone to handle the paperwork or facilitate transactions, several online platforms that are registered as investment advisers help you do this at a small fee. The fee could be in the form of per transaction cost or a monthly or annual subscription. Some provide additional services such as goal-based planning and top mutual fund recommendations. Do review all platforms and avail of a service that provides trustworthy and unbiased advice. Do read: Does Your Robo-Advisor Provide Research-Backed Recommendations?

When switching from regular plans to direct plans, the exit load criterion is applicable. Therefore, if the scheme charges an exit load of 1% from redemption of units held for less than a year, you will need to pay this charge on such units.

If you are investing in a regular plan via a SIP, the exit load period is calculated from the date of each monthly instalment. Hence, you may need to make the switches in tranches over a period to escape the exit load penalty.

Also remember, when you switch to the direct plan, it is considered as a new purchase. Hence, the new exit load tenure will begin from the date of the investment in the direct plan. Do keep this in mind if you have goals that are due to mature over the short-term.

Equity Linked Savings Schemes (ELSSs), Retirement Funds, Children's Fund, or similar investments come with a lock-in period of 3-5 years. This means, you cannot redeem or switch the units before the expiration date of the agreed tenure.

Thus, before you plan to switch out of a regular plan to a direct plan, do make sure your units are free from a lock-in period. As in case of the exit load criteria, for investments via a SIP, the lock-in period is calculated from the date of each instalment.

Here again, when you switch to the direct plan, the lock-in period will start over on the investment. If you have goals that are due to mature within the next 3-5 years, a switch from regular to direct plans should be avoided.

Yes, now here's another important factor to consider. Earlier, for equity mutual fund units held for greater than one year, long term capital gains (LTCGs) was tax-free. From FY2018-19 onwards, LTCGs of above Rs 1 lakh will attract a tax @10%.

So, if you have a sizable corpus in a regular plan, you may need to stagger your withdrawals over multiple years to avoid losing a large chunk of your money in tax.

Similarly, gains on debt funds too, attract tax. However, on LTCGs you get the benefit of indexation. Therefore, do weigh the costs and benefits of switching to a direct plan. As in the case of the exit loads and lock-in periods, the tenure to qualify for LTCG or STCG will start over from the date of investment in the direct plan. Do keep this in mind to avoid unnecessary tax outflows due to STCG tax implications.

If you have made investments via your stock broker, a direct switch to direct plans will not be possible as in other cases. This is because stock broking firms act as distributors, hence, provide only the regular plan option. In such cases, you may need to redeem your investments from your stock broker and reinvest through a direct mutual fund platform. You can also make the switch online or offline directly by approaching the fund house.

How to switch from regular plans to direct plans

(Source: pexels.com)You've considered all the costs and tax implications and have decided to make the switch, here's how to do it -Offline mode – 5 simple steps to switch from regular plans to direct plans

Visit the office of the fund house or the respective Registrar and Transfer Agent (RTA). You can locate the mutual fund office in your city here - https://www.amfiindia.com/investor-corner/. If you have MF Utility account, you may visit their service centres as well - https://www.amfiindia.com/investor-corner/online-center/locate-MFU.html

2.Ask for the Common Transaction Slip for purchase, redemption, or switch. You may download the form from the RTA or the AMC website. Pre-fill the form to ease the process at the AMC office or RTA. MFU transaction forms can be downloaded here - https://www.mfuindia.com/CTF. You can even prefill the form before printing.Ensure all the details are correct, specifically the source scheme name and target scheme name, as well as the amount or number of units that need to be switched. Once verified, then Sign and Submit the form.

Collect the time-stamped acknowledgement as proof of submission.

As soon as the transaction is processed, you will receive details on your registered mobile number or email id.

Online mode – Switch from regular plans to direct plans in 5 convenient stepsIf you have registered for online access through the website of the AMC or RTA or MF Utility, you may conveniently submit the switch transaction request. Once registered, login to access or view the fund holdings.

Some websites list the schemes with an option for additional purchase, redemption or switch request alongside. You can click on the switch icon to access the switch transaction page. All you need to do is input the amount or number of units to be switched, and the source scheme name and then submit..

If there isn’t an option to switch besides the scheme name, proceed to the transaction page and choose the Switch option. Here you will need to pick the Source scheme from your list of holdings and the Target scheme. Enter the amount or number of units and proceed.

A confirmation page will be displayed with a summary of the transaction. Ensure all details are correct and that the target scheme is correctly chosen.  Proceed by giving your confirmation.

Certain portals may require a transaction PIN or ask you to re-enter your login password as an added security measure. Provide the authorisation to complete the transaction.

On successful completion of the Switch, you will receive a confirmation on your registered mobile or email id.

As seen above, the process is fairly simple to switch from a regular plan to direct plan. However, before switching, it is pertinent to foresee the implications of such a transaction. You need to evaluate the impact it will have on your financial goals.

However, for fresh investments towards long-term financial goals, do approach a fee-based investment adviser and invest in direct plans. You will end up with a huge savings over time.

If you require some handholding on the path to wealth creation, to create a customised investment portfolio, or need to organise a financial plan in place, seek guidance from our Financial Guardian who can assist you in an unbiased and objective manner. Schedule a call here.

At PersonalFN, we put your interest before our own and recommend Direct Plans of mutual funds, adopting high fiduciary standards.

Editor’s note:

There’re thousands of mutual fund schemes on offer, and busy investors like you hardly get time to evaluate all of them before shortlisting a few.

Don’t worry! You still have a chance to invest in some of the most reliable schemes available in the market at present, without doing even an iota of work at your end.

You can rely on PersonalFN’s unbiased mutual fund reports.

As a part of its premium mutual fund research service, PersonalFN brings to you ‘FundSelect’—a research report which offers honest and unbiased mutual fund recommendations. Along with clear recommendations, FundSelect also summarises reasons to buy/hold or sell a scheme in a crisp form.

For serious readers, it renders a comparative study with even deeper insights of the portfolio, investment style and performance across market cycles among others. Aided with tables and easy-to-understand charts, PersonalFN’s FundSelect reports offer you value for money.

Only for a limited period, we are offering this exclusive service loaded with benefits. Don’t miss it. Subscribe now!

Author: Jason Monteiro

This post on " How To Switch From Mutual Fund Regular Plans To Direct Plans " appeared first on "PersonalFN"