#if you actually read that whole thing you are entitled for a refund of your time

[barksbog]

frequently sent anons and stuff

gonna answer some thing people keep asking me or keep getting wrong or i just really feel are important to know

(i have a faq but we all know what tumblr mobile be like)

how did you become a plush making gremlin?

always loved plushies and weird creatures

learned how to make plushies on The Internets

took some commissions for custom ones (did not enjoy that too much)

started to sell my own designs

here we go

^most professional image that exists of my face.

whole lot more under the cut

1. business/onlineshop related 

Do you take commissions? I don´t really open for regular comissions.

i sometimes accept “sponsorships” of stuff that fits with my other work. especially if it´s just a recoloring of an existing pattern (like a different species of slug or toad for example).

will you sell more of this plushie?

if it´s still in the online shop but listed as out of stock the answer is most likely yes. it takes me a while tho because i really do make each one myself. this is a one gremlin operation.

i really wanted to get one of your microraptors, spinosaurs (or any other dinosaur plushie)? will they come back?

sorry they really won´t. neither will i restock any of the dinosaur charms, pins and stickers once they sold out. for a good amount of reasons i have decided to leave paleoart behind. as cool as dinosaurs are. i like my mental health more.

i feel like everyone who witnessed the level of drama coming from certain members of the paleo community understands completely what i mean and while i know you can create paleoart and just reduce interaction to a minimum i like to be active on social media and discord servers relevant to what i do.

do you ship to ...

yes. yes i ship worldwide.

does that plushie really cost 30,000€?

no my likely american friend. it´s 30.00€ we just use commas here and so does my shop when set to €. i can´t set it to $ because i need to pay my. everything. in € and honestly don´t want to constantly gamble on the current exchange course being steady so i actually get my money. paypal will let you pay in your currency tho and just send me €.

i tried to contact you and you didn´t respond?

-if you contacted me like “hey” or “hey i have a question” i´m unlikely to have the energy to respond. please always contact artists with what you want to know

-i have answered that question a lot before or it can easily be answered by looking at my onlineshops faq

-you sent me an anon about a order. i can´t help you there

-if you have order related question it´s best to email me through the contact form of my onlineshop. if you just email my business mail it often ends in spam and i don´t see if for a few weeks.

2. sewing/plush making related

Where do you get that fabric? how does that happen to have toads on it?

i get it custom printed by spoonflower (they have a factory in the US and in Germany). i design it in photoshop and just upload it and they print it for me. they can be a bit slow. or just send you a meter of middle earth for no reason. or print a meter half black for no reason but overall their quality is great and so is their customer support when they do mess up.

a few tips i have are:

- the minky piling runs from the top down.

- you can design meters even when it says and displays yards in the preview, just check if it´s set to meters when in the basket before checkout.

- never set anything to center and order more than one meter, it will be printed once in the middle and leave you with a bunch of white useless minky.

- if you don´t want to wrangle 4 meters of fabric apart just keep adding One meter of the design at the time and you will get precut meters.

where did you learn to sew? how do i learn to sew?

I had a very basic crafts class in school with a shitty teacher that told me that “i´m sloppy and Can Not Sew” but really everything useful i ever learned i learned from The Internets so just go and look for some free patterns and tutorials and you are good to go. after trying a few patterns you will get a feeling for how plushies work and can combine what you learned. it´s really just like when you learn to draw and break things down into shapes.

if you have some questions or things you can´t figure out or just want to talk about crafts i run a really nice server with palaeoplushies

https://discord.gg/Cqwq4r3

what´s it like to run a business with 21?

stressful. i´m not always sure what i´m doing. but i´m doing it. and i believe in you, you can do it too. there is a 10kg bag of stuffing and a 25kg box of beans in my room. i have a whole huge sorting box full of eyes.

you are doing this fulltime? that´s really cool

yes i do this fulltime However. i really wish i could have a sidejob but i can´t because i have a funky brain and migraines so i really can´t find or keept almost any job.

^me doing my job.professionally. my job being. turning the fricking frogs gay.

3. personal.

so you are australian, how are the kangaroos?

No. Stop. I´m austrian. i don´t even know if you are joking or for real. just don´t.

so you are german? you speak german right?

again. i´m austrian. yes we speak german here but a different dialect so i likely don´t sound like the germans you have heard in movies. in fact the majority of germans will not even understand me.

can you stop complaining about the weather?

yes i complain about heat because. i´m heat sensitive. also because i´m actually an Alpine Gremlin and shouldn´t be subjected to temperatures over 30°C. our house doesn´t have AC. i work in here all day at 28°C room temp and with high humidty.

yes i complain about the cold too. because our house is old and badly insulated and i have to carry in firewood in laundrybaskets to feed to an old woodburner and it sucks. our house frequently falls down to 16°C.

so there is a spelling mistake?

yes i make a lot of spelling mistakes. or just switch out whole words. or forget whole words. unless it´s something important like a salespost please just don´t point that out constantly. like mentioned before i have a funky brain and it just be like that. also like mentioned before. i´m austrian. english is actually my second language so. be nice.

way too long list of spire fun facts:

i´m nonbinary and use they/them pronouns. i´m also very gay.

if you see me refer to “my wife” that´s the moon. i´m legally married to her. i really like dramatically standing on my balcony and looking at her.

if you see me yell about “the lesbians” that´s my mourning geckos.

i have 13 furbies. and you have no right to insult them. they are baby.

i also have a lot of skulls and other dead things

I´m autistic and come with some extra dyslexia, depression and anxiety.

i also come with intense migraines that can make me useless for a solid week

i live in a village surounded by woods with less than 200 people

i did spent a lot of time in vienna for 6 years tho and lived there for three of that 6

i actually have a diploma in graphic design. that i don´t really need for anything but winning argument about aesthetic choices or making jokes

yes. i am kinda short. (162cm/5.3ft)

i have two cats. they are littermates tho. so i get some people have a hard time telling it´s not just the same cat. i swear they are two different cats tho and actually really easy for me to tell apart.

milk belongs in tetrapacks. not jugs. fight me

tapirs are nasty creatures

krampus comes on the 5th or 6th of december. stop calling him the christmas devil you fools. my source? growing up with the krampus tradition.

you know what happens on the 24th tho? me. that´s my birthday. and that is in fact austrian christmas day. all christmas happens that day. if you wish me merry christmas before happy birthday i will never forgive you.

i really loved balto as a child. the dingo pictures version tho. i was enraged when i saw the ofiicial balto because i thought they stole it from dingo pictures. i watched a lot of dingo pictures and that´s why i´m Like This

^my lovely wife

if you see me rambling in the tags. generally i´m. okay. you don´t have to worry but if you relate or just feel like talking to me? you can dm me and i have actually made friends like that before so.

if i don´t respond to your dms or asks it´s not because i don´t like you i just have very low social energy most days 

and finally.

if you think me and @palaeoplushies are the same person we have a legal right to your soul and your favorite child for our Collection

we prefer none human children tho

(i´m sorry for tagging you. and making you scroll through like “wtf is spire taggin me in now again” but it would have felt weirder not to let you know about the future souls i´m sending your way)

[burnedbyshoto]

hawks_littledove.mp3

— You’re an avid listener to NSFW ASMR artist Hawks. It’s just your luck that he’s offered to have phone sex with you.

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pairing: takami keigo (hawks) x fem!reader

warnings: smut, 18+, slight abuse of power/influence, phone sex, masturbation, degradation, praise, nsfw asmr artist!hawks

word count: 5,018

a/n: my keyboard is broken and i could actually cry. but hey, hawks do be sexy even tho I would never trust him with my life. also LOL this might be a call out to a lot of us, do not be offended or I will cry.

kinktober day 14 main kink: phone sex | kinktober masterlist

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Fantasizing about being in relationships with fictional characters was entirely healthy and normal.

That was something you believed to the core. It was fictional; thus, no one but you were to be hurt at the end of the day. The character, being fake, could never have an opinion because you must be real in order to have an opinion. So when you were between boyfriends, you discovered a new anime, and before you could stop yourself, you fell hard for a character.

It started as a mild obsession.

You had looked up fanart via google images, your heart warming when you saw the plethora of different fanart. The anime itself had been in circulation for a few years now, the manga for much longer, so the content was endless. Then google images wasn’t enough, and you began crossing into Twitter and Tumblr.

The fanart became better, more engrossing, and definitely much more NSFW. And then, one night during your endless rabbit hole down Tumblr after your daily search on Twitter, you stilled when seeing a new type of content.

⇒ grey fullbuster x reader

The obsession grew worse.

So much so that you had followed nearly five hundred self insert writers and artists on Tumblr, and maybe seven hundred artists, meta writers, and thread makers on twitter. But three months into consuming all the content you could find, you came across a new name that made you tilt your head.

Hawks Fierce Wings

It was a name that was being repeated and heavily talked about on both sites. It was an ASMR artist, apparently, and you frowned at the thought. You didn’t have anything against ASMR videos, but you weren’t exactly sure how to handle an anime ASMR artist. Were they cosplaying while making all those weird ASMR sounds? You really didn’t have any idea, but due to the immense boredom of your lazy day in, you decided to hell with it and tried out his most popular video.

It was simply entitled: Hawks is Jealous.

Did you have any idea as to who Hawks was? God, no, you didn’t. But if it was just some random cosplay he was going to do, you didn’t think it was going to matter. So as the only slightly educated ASMR listener, you never truly became invested when it was a thing; you slipped on your earbuds and pressed play.

The introduction screen faded into an illustrated picture of a slightly handsome man, and some calming yet tense music played in the background. You shifted, eyebrows drew as you waited for the ASMR session to begin, and when it did, you were not ready.

“I saw you walking around with that asshole today,” a voice practically growled in your ear, and you froze.

Oh, no.

Oh, no.

Oh, no!

For almost an entire hour, you sat glued to your sofa, your fingers digging into your lap as the jealous, spiteful words of this man named Hawks poured bitterly in your ear. His words were a near aggravated assault on you and definitely something you were beyond uncomfortable hearing from a stranger, but there was something about his voice that kept you there. Maybe it was the tenor of his tone or the way there was this sly, cunning scent to his words that he seemed to hide deep within his throat, but there was something that kept you there.

The second the passionate, heated kissing noises and heavy moans began to spill from his lips, you screeched, slamming your laptop closed as your cheeks pounded heavily.

Oh my god?!

It took a bit, but eventually, you were able to finish the audio and quickly figured out why he was an NSFW artist. You had never, ever heard a man eat a pussy fake or real as eagerly or vigorously as he did. Your hands were gripping the pants of your leggings, and your chest heaved.

Oh, motherfucking shit.

Finding out there were almost seventy other videos for you to still experience sent you scrambling for more, and eventually, you had to confess you were obsessed. Despite the anime fandoms you had discovered him for, Hawks seemed to be more famous for the content he created as himself. His real name was unknown by the looks of it, and he was only addressed as Hawks by his audience, something you caught on to quickly. So only after creating a new profile for his Youtube account, you made quick work of liking and commenting on every single of his already published seventy-eight nearly one hour and thirty-minute videos. 

Each one was different.

Each one filled with various roadmaps on how Hawks' scenarios would play out for you — the listener. When he used his own persona, he called the listener his little dove or his chicken nugget, sometimes his KFC thigh, or his shish kabob. 

You were glad at the very least he didn’t call you by any of those nicknames when pretending to fuck you at a speed only a “porn-is-my-only-education-on-porn” virgin teenage boy. You knew it wasn’t ideal, usually, but for some reason, it just worked. You commented on everything, read his summaries and thoughts on each video. Eventually, when you found yourself on his final, most recent video, you were ready to go a step further.

The Patreon app on your phone seemed jarringly out of place as you opened the app and subscribed yourself to Hawks' highest tiered option for the price of twenty USD.

And when you got your access to his page, you were immersed in more heavier, better content.

It was a goldmine in a sea of fools gold, and you absolutely went insane.

You weren’t sure if you were insane, needy, or just straight-up idiotic for scrolling to the very first Patreon post and indulging in the content Hawks created. 

There was a stark difference between the warnings alone between the Youtube videos and the Patreon posts. While the porn was readily accessible on Youtube, the kinkiest thing that ever happened in a video was a slight implication that Hawks had left the listener on a vibrator and fuckmachine as he went to go talk to the visiting neighbors.

It was a slight, tiny zone out and miss a detail, but one you had clung onto like an obsessed psycho and even commented on in your comment on the post. Of course, Hawks hadn’t responded, not that you had ever expected him to because all things considered, a video that was eight months old and hadn’t done that well, to begin with, didn’t seem like anything he would remember: notifications and all. 

But Patreon? Oh good, sweet, ravishing Patreon.

The very first video was of the following:

Stepbrother!Hawks fucks Stepsister!Listener in the stairwell during Christmas Dinner.

After praying and swearing to all the deities of the world that you were merely a person with a voice kink for this man and not, in fact, a perverted pseudo-incest worshiper, you clicked on it and began. It was downright sinful.

There were active voices whispered in the background as Hawks laughed about how fucking slutty you were for letting your brother fuck you like this. In the hallway, like a dog, where anyone in your joint family could walk out into. He laughed that you probably wanted it, how your wet ass pussy was greedily sucking him in, so how could you even begin to deny your lust for your brother.

You had to take a break five times during that audio.

Eventually, you do end up catching up.

Each video he had ever posted to your disposal, and most likely due to the different tier levels, you always commented on the videos. Even if it made you feel awkward for lusting over things months old, even if there were no other comments on the videos, which was much more common than you thought, you always commented and liked. It wasn’t anything ever crazy, you had seen the rarest comments bring a whole essay of analysis on why they loved it or the hating words, but you kept it simple.

Just something to keep Hawks spirits high without draining you even further of energy.

A simple: holy shit, that was hot as fucking hell!!!! you never disappoint me!!!

You never expected anything out of it; as a matter of fact, you had merely thought that you were doing the least by merely appreciating his creations when, one night, a few hours after you had gotten home. Your phone chimed with an alert.

Your mouth formed an ‘o’ in surprise; you hadn’t realized there was going to be a new release after he had just updated four days ago. Still, you popped in your earbuds and began the audio with a simple title.

i fuk ur stupid lil pus until u cri

He wasn’t precisely putting much effort into his titles these days, but his tags were definitely accurate and entirely explicit in what was to come. And in this newest video, the prominent tag was degradation.

You weren’t entirely into degradation, but still, you did what you had to do because you weren’t turned off by it. With the beginning sounds of the music playing in the background, you warped into the situation Hawks carefully carved.

But, oh?

Your face simmered with heat as Hawks dirty words dripped from the earbuds, the wet, squelching noise of your cunt and throat being fucked like some inanimate object made you soak through your panties as his disparaging words burned against your spine like a hot brand. After the thirty-minute audio was finished. Your body trembling with the aftershocks of an orgasm that had come despite the lack of actual stimulation of your clit, and you panted on your bed.

Opening your phone once again, you quickly liked the new audio and typed out your comment.

listen, i know i always comment about how fucking hot this shit is, but i have /never/ fucking soaked through my panties… you just did that and i expect a full refund for these panties 💦

You pressed send and, without so much of a second thought, continued your night. You had dinner, talked with friends, and ended the night curled back on the couch with a wine glass in your hand and a simple sit-com playing on the TV. The familiar sound of the Patreon alert rang in your ear, and you frowned, confused.

Grabbing your phone, you opened up the device and nearly shrieked at the sight of the information the notification that said:

Hawks F.W.: lets see those panties before i refund anything

A chill ran down your spine as you quickly put together the indications of this message, and you smirked, despite your quivering hands. 

Me: I have a seven inch dick requirement before seeing any of the goods — yes, that includes my panties

And from that very moment, you began a strange arrangement between you and the NSFW ASMR artist Hawks.

.

..

.

Working was the worst part of your life, you would say.

At work, you would sit in your small 4x4 cubicle, your shelves stacked with plenty of papers and items you needed, not to mention the computer that took up the majority of your desk. You weren’t quite sure what your job here was, you sort of sat at your desk and did meaningless assignments when assigned, but you did nothing for the most part. 

Before becoming an active Hawks stan, you would spend your time doing nothing playing video games. You had somehow managed to install a VPN onto your hard drive so that your employers wouldn’t be able to see what was on your screen outside of the home screen. They couldn’t trace what you did all day, but they could care less, given you got all your work completed on time and done in an over exceptional way.

But lately, since you had dropped into this… engrossed whore like relationship with Hawks, things changed. 

To be honest, it still shocks you to no end when he tells you that he had always been aware of you. Well, with your consistent, ever appearing comments on his posts and overall enthusiasm for everything he posted, it was hard to not be aware. The mental image of your soaked through panties after a long day at his own work had sent him over the edge, and he finally messaged you.

Through the DM’s in Patreon, the two of you grew to become quite the friends with benefits. He would send you countless personalized audio files because you had quickly confessed to your voice kink and how his voice sent your stomach into hormonal knots. In return, you’d send the picture of an occasional soaked panty, and if he was lucky, an audio clip of your pathetic whines back to his audios.

You couldn’t complain about this arrangement.

But as the number of his patrons doubled, and he wanted to entice his subscribers with paying him even more money, Hawks began to offer a bimonthly personalized five minute audios for his $20 tier. The fans poured into that spot, and Hawks and proudly sent you the new number of adoring fans he was getting. On account of growing platforms such as Tiktok, the number of new listeners he got was nearly exponential, as he currently passed one million followers last week. 

The cheeky bastard was also making enough money to stop working his regular work hours anymore. Choosing to transition slowly into his Patreon career while recording.

Hawks, however, seemed to have other ideas for your eventual personalized voice audio.

Hawks had simply asked if, by any chance, you were going to be working tomorrow the night before. Groaning loudly in recognition of your work schedule, you had texted him back that you were going to be working. Snidely including the fact that you weren’t rich like him, you needed the tedious old nine to five job.

Hawks: how utterly boring anyway u can b free around 2?

Me: Eh… probably not. Busy girl w busy schedule, ill be back from lunch so no break Why?

Hawks: well, u knw tht uve been amzing & th bst follower so i wanted 2 give u smthing better then the personalized audio

Me: Oh? Well, what is it?’

Hawks: pick up tmrw n find out

He had changed the subject immediately afterward by dodging all of your questions with ease. So you dropped it, and the two of you resumed a night of flirting. But now, sitting in your small cubicle, your eyes flashing to the clock that read 1:57 p.m., sweat began to build on your palm.

You peered down to your phone as you waited for something, anything from Hawks to show up. The fucker was too cheeky, evasive, and quick for his own good. You felt like pouting as you glared at the phone, waiting for the screen to light up.

And you stilled when finally, at precisely 1:59 p.m., your phone gleamed with light. You couldn’t abandon your computer mouse quicker than you did as you grabbed your phone, unlocking it, and reading the message from Hawks.

Hawks: do u have earbuds?

Me: Yes?

Hawks: good put them on n pick up

The moment you had read the first message, you were already pulling out your earbuds, synching them up to your phone, and placing them into your ear. But your jaw dropped when, for the first time, the call feature highlighted onto the screen, the time immediately changing to that of 2:00 p.m. The decline or accept button had never looked as daunting as it did right now.

Despite the call trying to go through, you still saw his follow up.

Hawks: if u dont pick up u wont get shit

[Accept]

You felt your heart hammering in your chest as both fear, apprehension, and excitement boiled through your veins, the hammering blood pounding in your ears as you waited for some sort of noise on the opposite side of the line.

“Little dove?” Hawks' voices filled your ears, and despite yourself, you smiled softly. The naturalness of his voice sends warm thumps down your spine.

“Hi, Hawks,” you whisper breathlessly, your head already checking to make sure your neighboring cubicle mates didn’t try to look over the divisions to stare at you. For the most part, the office building was quiet except for the phone calls, the clanking of computer keys, and the monotonous music playing softly on the speaker's head. 

“Whatcha doing?” he drawled, and you felt your skin heat up when you heard the all too familiar sound of his shoes hitting the top of his desk, the soft whine of his chair as he leaned back onto it. “Are you really at work?”

“What do you mean, am I really at work?” you squeaked, half horrified at the way the lazy, warm heat of lust was infiltrating your body at the sound of his voice, and the annoyance that he thought you had been lying? “Of course I am; it’s two p.m. on a Wednesday!”

“Ah, so little dove-chan is a raging pervert who engages in phone sex to bypass her long hours at work?” Hawks sighed his tone that of understanding and dismissal. You splutter. “You never fail to surprise me.”

“I do not do… that!” you stammer, your face feeling like hot cinders, your fingers and eyes double-checking to make sure that the audio was going to your earbuds and your earbuds only. You also couldn’t help the way your eyes swept around you, trying to make sure you hadn’t accidentally invited unwanted attention. “I said I was busy!”

“But, you picked up my call?”

“You said, or else!”

“Mmm, okay, I think I see,” Hawks tutted, and although you had never seen what you supposed to be his handsome face, you could imagine a lazy, toothy smirk on his face. “Don’t worry, I don’t mind using your little cubicle to talk you into fucking yourself good for me.”

Your jaw drops.

It hits the desk, and the muffled shriek of utter humiliation is only silenced because you bit onto your tongue like a rabid animal.

“Aw, you sound so excited for me already, little dove. I bet you want to know what I’m going to do to you, don’t you? I just know that I’m going to make you feel so... good…”

“Hawks!” you plea in a hushed whisper, your heart hammering where you sat frozen like a deer in headlights. Sure, you had definitely played his audios before to pass the time, but never before in your existence had you had actual phone sex. This was riskier than just listening to his audios; his audios always had a pattern, a way to escape from the madness of his voice when people were closer than you’d like. But this? No, there was no escape. “I’m at work! I c-can’t!”

“But, fuck, I want you so bad,” Hawks' voice dipped into a gravely tone, his voice just perfectly scratchy enough that your shoulders trembled in unspoken, untouched want. “I want to feel your cunt around my cock, baby, your pussy is so hot and I want to be the fucking lucky bastard that gets to fuck you through your bed.”

“O-Oh my god…”

“I’ve been thinking of what your tits look like,” Hawks continues on, his voice continuing in the style you liked the most. It was raw, heavy, and deep. No character impersonations, just him, pure Hawks. “I hope they bounce the way they do when I imagine you riding me. I want to see you moan when I kiss the underside of your tit, I want to see your face when you realize that you’re my girl, nobody's else's, but mine.”

Heat floods your panties at his words, your shallow breaths making him chuckle on the other end. 

“You’d be so lucky to be just mine, wouldn’t you, little dove?” Hawks snaps, his voice demanding a response, and you heave.

You look around, no one is near, and you croak out: “I’d be so lucky.”

“Louder.”

“I’d be so lucky.”

“Mm, there we go,” Hawks laughs, and your ears prickle for any noise that may indicate that someone was listening in. “What? Are you getting nervous that your needy ass will be heard by your coworkers right now? Answer me.”

“Mhmm,” you hum loudly, your cunt pulsing with more incredible heat and your hands shaking with a slight fear of being caught.

“Aww, don’t worry, little dove. I’m sure your boss will understand that you’re my newest fucktoy and will let me continue. Maybe they’ll want to join in?”

You whimper softly, shifting in your seat at that thought. You didn’t really want your boss coming anywhere near you, he was old and gross for one, and nothing could take the place of this beautiful man's voice in your ear right now.

“Oh, was that a no? You don’t want other people fucking you, do you, y/n? I bet you only want to have my cock in your tight little pussy, bet you want to watch the way that greedy little thing sucks me in, begging for my seed. Would you want me to cum deep inside you? You would like that little dove; you’d like to be full of my cum.”

“H-Hawks,” you keen as quietly as you can, your hips shifting uncomfortably in your seat, your heart hammering in your throat. The pressing heat in your cunt is growing, your panties growing with wet slick as Hawks' voice whispers down your ear, filling every empty and void space in your brain until you were having trouble focusing on the very much public spot you were in.

Hawks let out a soft, guttural moan, and you froze, face entirely combusting into an inferno as the familiar slick slapping of his fapping cock filled your ear. Immediately, you forgot everything.

“A-Are you—?!” you splutter, unable to find the words or the energy to come up with a way to ask if he was masturbating right now. Your eyes spun, your mind in a complete haze as soft, raunchy moans spilled from his lips, striking against your nerves and soul with each successive sound.

“I’m only trying to help you out here, dove,” Hawks growled, undoubtedly in effect to a rather loud smack of his fist colliding with his thrusting hip. “You’re the little office slut who picked up a phone call to entice in phone sex. I bet you knew exactly what I was going to do, and your pathetic, needy whore self caved to my instructions.”

Your fingers curled into the armrest of your chair.

“I bet this makes your boring ass job tolerable, the perfect distraction to a shit job, then imagining a few minutes of fucking yourself against my hard cock.”

“That’s not true!”

“No?” Hawks laughed, not believing you any more than you did. “So you wouldn’t hate it if I showed up and fucked you into the wall of your cubicle? You wouldn’t mind if I claimed your sweet-smelling pussy against your desk for everyone to hear? I know you can scream like a bitch in heat. I know that pretty little cunt of yours would milk my cock dry. Oh, I just know you would look so fucking sexy with your back arched, eyes closed, and you begging for hours just to cum. You wouldn’t cum without my permission, right?”

You gasped, heart fluttering, hammering in your chest as you shook your head, not trusting yourself to speak.

“I need a verbal answer, little dove.”

The heat in your core was blistering, your thighs shaking with your unadulterated lust and need as you ground into the cushion of your chair. All logic and moral long gone as he snarled and moaned your name in your ear, the slick of his fapping cock echoing like a great bell in your ear. You wanted to hear him cum, wanted to listen to the pithering sound of his echoing moans as he spilled the contents of his balls onto his hand — and how you wished it was your womb.

“I won’t cum w-without your permission!” you whispered, your skin shivering with your fear of being caught. 

“God, you sound like such a dirty fucking bitch. I bet your pussy is fucking soaked already. Bet you really want to run that slutty embarrassed finger against your clit but don’t want to be caught by your perverted coworkers,” Hawks hissed, his breaths turning into steady, heavy hot pants. You mewl softly, confirming his spoken thoughts, and he huffs out a laugh. “How many fingers do you normally shove up that pretty cunt of yours, little dove?”

“T-Three!” you gasp, your forehead pressing to the cool of your desk, your eyes glazed over and looking at the entrance of your cubicle, fervently wishing that no one tries to check on you as you grind against your stable chair. “O-Only three fit.”

“Fuck, you really do have a tight cunt, don’t you,” Hawks snaps, the wet sounds of his fisting hand around his cock a beautiful melody in your ear that makes you whine at the back of your throat. “Bet you can’t even fit cocks up your cunt without lube, huh. You gotta stay on top, or else you’ll get hurt with how thick and long my cock will be up that baby pussy of yours.”

“H-Hawks!” you grit out, the friction of grinding on the seat no longer working.

“Go to the bathroom, now,” Hawks commands, the small gasps on his voice from his approaching orgasm more than enough ammo for you to do as told.

You sprint to the bathroom, the slick of your cunt hot, and evident to you as you sped to the bathroom. Your phone clenched in your hand as you locked the door behind you, glad the room was empty. Barely managing to get yourself into the stall, the toilet paper placed on the seat as you raised your legs up, already prepared. The skirt you wore was bunched above your ass, and the panties you wore, stretching out around your knees.

“Sounds like you’re ready to start fucking that pussy for me,” Hawks laughs, but there's no humor, just bite. “Put in three fingers, now.”

Without even arguing or caring, three fingers slip into your cunt, and you cry at the feeling of your fingers completely stretching you out. The smell of sex and slick filling your nose as your fingers slick up, fucking your tight cunt as you moan louder and louder for Hawks. 

“God, your fucking pussy is so fucking wet, I can hear it from here!” Hawks moans, the frantic sound of his drilling hips gaining speed and momentum. 

“I want it to be you!” you moan, your face burning in your humiliation. “I want it to be you fucking my pussy, claiming me in this bathroom. I need you, Hawks, I want your cock so badly!”

“Fuck,” Hawks gasps, something tumbling in the background. “Such sweet words for a fucking dirty ass cumslut,” he growls, and your legs shake, your clit and cunt thrumming with your increasing arousal and pit of tightness in your core. 

“HAWKS, FUCK!” you sob as your hips try to start a merciless speed against your fingers, your body trying to match the speed in which Hawks was fucking his own hand.

“Keep screaming my name, whore.” Hawks gasps, his noises of pleasure beginning to grow louder and louder, your eyes crossing in satisfaction. “Screaming my name like the fucking slutty mess you are. All this shit just to get me to fuck you? God, you’re so fucking pathetic y/n. Begging for me, begging for more? I think you’re my favorite little dove ever, gonna make you mine whenever I get to fuck that pussy.”

“Hawks!” you wail his name again, your arms and pussy throbbing with the energy it takes to keep up with his inhumane speeds. Your vision seeing stars as you tremble more and more, your legs slipping from the toilet seat, yet. “I am your whore, your little dove. Please let me come, please! You fuck me so well, fucking hell, please, I needa cum, I needa cum!”

“Cum with me,” he snaps, his voice so deep, so dangerously smooth. It was precisely what you needed, the voice kink you had for his tenor exactly fulfilled entirely with that simple, last command. And just like that, your jaw slackens, head slamming backward, and pleasurable waves crash through you.

Your fingers still rock at your clit, and your vice gripped walls, your toes curling within your shoes as you soundlessly scream. Hawks, on the other end, is practically snarling, voice deep and altogether dangerous as grunt after grunt leaves him, and you can imagine the milk-white cum splattered all over his chest and hand. A beautiful, perfect sight that you wish you could see for yourself.

Exhaustion settles in your bones as you sit on the toilet, still entirely exhausted as you heave for air. 

“I think that was the best fucking orgasm I ever had,” you mumble, your eyes closed, not ready to stand up and move. “Thank you.”

“I’m good at what I… at what I do,” Hawks stumbles, husky exhaustion ringing in his own voice. “Now, little dove, finish up work, and I promise there’ll be a surprise waiting for you when you’re done.”

Not entirely agreeing, but not disagreeing with his command to go finish you last… two and a half hours at work, you begrudgingly said goodbye to Hawks before washing your hands and exiting the bathroom.

When five o’clock came, you watched as your phone screen lit up, and your face flushed as you read the DM from Hawks.

Hawks: this is my fav audio now ↳ hawks_littledove.mp3 but you surprised me today, so in case u ever want to have more fun sometime  call me 03-9183-2495 ;)

[cepemofu-blog]

Myanmar Visa Options

https://ja.ivisa.com/myanmar-visa

If you would like more info about the nation or things to do there, have a look at our other Myanmar posts! There are a few interesting temples you can see while you're there.  If you are going to Myanmar, there are a number of excellent and exciting sites you are going to want to see.

Tourists might apply for a visa to Burma via an internet portal.  Thailand might be in mourning. however, it remains very much alive.  A visa is needed for travel to Myanmar.

You may apply visa on the internet or at Myanmar Embassy near where you are.  Malaysia is also among the most developed nations in the region, with permission from Singapore and Brunei.  The Myanmar embassy in Bangkok is a little primitive, so I would advise that you bring exact change if at all possible.

The Myanmar Visa Game When employers from some other countries are considering to seek the services of dedicated developers for their project, it's important to take into consideration the degree of professionalism of the staff.  The separation issues also incorporate a commitment of Euratom, which is essential for quite a few tech companies managing nuclear materials.   Under Myanmar's military government, Western financial sanctions prevented foreign charge card issuers from getting into the market.

The Fundamentals of Myanmar Visa Revealed For a tourist visa you've got to incorporate a quick work history.   Application In order to submit an application for theMyanmar visa it's essential to supply supporting documentation like a recommendation letter from an employer, while the travellers on the package tours are requested to deliver a duplicate of the tour itinerary.  The other classes of British nationality are entitled to tourist e-visa only.

After the clerk at the first visible window affirms that you've filled in everything necessary and provided all the paperwork, you get a number and wait to visit Window 2 to pay the fee.  You will want time in-country remaining on your present stamp.  If something had exploded, a lot of people inside and outside the embassy might have been hurt.

Myanmar Visa - What Is It? Most of the folks in the queue looked to be Burmese.  If you seek information regarding Burma you will discover a whole lot of information, a great deal of great info but also lots of old info, which isn't useful anymore. Each letter was engraved on slices of crystalline material You may also go to the Fossil Park.

A sure way to raise payments conversions is to create the sale before the checkout.  The customer will land on your site and choose a product to purchase.  The turn-around time for the majority of applications is around one to a couple of weeks.

The New Fuss About Myanmar Visa If you have to leave the nation and return a couple of days later, you might have to earn a new visa application.  There are quite a bit of different countries that do not demand a Schengen visa to enter Schengen region.  The visa was approved in under 24 hours.

Requirements might change depending on your nationality and where you're applying. The fee won't be refunded in the event the applicant is refused to grant e-visa. The visa needs to be available on exactly the same day, unless your application appears suspicious.

| Enjoy door-to-door service and receive the visa done.  Beyond Tamu, you're going to need a valid visa.  The visa is just the same.

Requirements might change depending on your nationality and where you're applying. For more comprehensive information refer to the appropriate subclass visa pages about how to apply.  The visa needs to be available on exactly the same day, unless your application appears suspicious.

There's also a great deal of information on the internet that's either not accurate or out of date about the Myanmar visa approach.  As long because you can read and write you may quickly finish the approach.  The application procedure is short and straightforward.

What's Actually Going on with Myanmar Visa If you're planning to travel through the gorgeous country of Myanmar, you need to receive your visa ahead of time.  It can be challenging to to actually go and receive the visa if you're a teacher in Korea about to head off on a huge trip.  Check passport validity All travelers to Myanmar will require a passport that's valid for at least 90 days as soon as they depart Myanmar.

Tourists might apply for a visa to Burma via an internet portal.  Thailand might be in mourning. however, it remains very much alive.  Myanmar visas have been quite inexpensive, to entice visitors at a time once the country was under sanctions.

Tourism is a gigantic part of the Thai economy.  Formally, Hong Kong is part of China.  The Myanmar embassy in Bangkok is a little primitive, so I would advise that you bring exact change if at all possible.

Facts, Fiction and Myanmar Visa Before planning your journey around creating a land border crossing, do some research to make sure that border checkpoints aren't closed. Military checkpoints on roads are typical.  If you go, it's advised to arrive very early in case there's a very long line.

In addition to that, tourists are only allowed to remain in guesthouses and hotels, so great luck locating a host on Couchsurfing. It is possible to apply and cover your tourist visa through the site.  Visa on arrival is the simplest option, especially if you're pressed for time or don't have any Vietnamese Embassies in your region.

The New Angle On Myanmar Visa Just Released The difficulty with internet shopping is it's quite challenging to attract and retain customers.  Assuming you have zero immigration violations the multiple-entry small business visa is in addition the basis that you submit an application for a lengthy term stay permit later on.  As an online entrepreneur, you can decide to plant flags' of your organization in strategic jurisdictions around the world.

Introducing Myanmar Visa Since not everybody acquires a graduate level, it may provide you with a competitive edge.  Ensure you bring along your favourite note taking app.  At times it just is based on the person at the window.

Here's What I Know About Myanmar Visa On the 1 hand, issues could nonetheless be unpicked should a deal be tricky to reach.  There is a mix of both left-hand and right-hand drive vehicles being used throughout the nation.  There's no such thing as visa on arrival in exactly the same sense as we are utilized to with different nations and there's a great deal of conflicting information on the net on this issue.

| What Is So Fascinating About Myanmar Visa? Before planning your journey around creating a land border crossing, do some research to make sure that border checkpoints aren't closed. Military checkpoints on roads are typical.  If you go, it's advised to arrive very early in case there's a very long line.

The Basics of Myanmar Visa The difficulty with internet shopping is it's quite challenging to attract and retain customers.  Assuming you have zero immigration violations the multiple-entry small business visa is in addition the basis that you submit an application for a lengthy term stay permit later on.  If your company is seeking to operate overseas, then ensure you find a payments provider who offers optimized cross-border payments.

For foreigners coming from other nations, there are a number of visas to select from that will allow access past the border, but for the aims of living and working in Myanmar, a business visa is the essential authorisation. Not everything, but a number of things are considerably less expensive than in western nations or highly developed eastern nations like Japan and South Korea.  If you are going to Myanmar, there are a number of excellent and exciting sites you are going to want to see.

In Hong Kong, it's on the face of the foreigner, as a foreigner couldn't know some regulations, may be tricked or misled by somebody.  Thailand might be in mourning. however, it remains very much alive.  Besides the above visas, they require a work permit for employment or business in Myanmar.

You may apply visa on the internet or at Myanmar Embassy near where you are.  Finding a Myanmar visa in Bangkok is a fast and painless practice.  Well, as it happens, it's pretty simple to stop by the embassy and find a same-day Myanmar visa in Bangkok.

How to Find Myanmar Visa on the Web At the visa office, the nice folks there will provide you with an application form and will ask for all of the essential documents.  As long because you can read and write you may quickly finish the approach.  The application procedure is short and straightforward.

[naughty-mermaid-333]

The Advantages of Volleyball Training Equipment

The Lost Secret of volleyball training equipment

It is very important to understand the purpose supporting the team game. The price of playing club has risen exponentially over the last couple of decades. Watch out for the trainers who have actually superior reputation for training people.

The most suitable studio, mixed with the most suitable teacher can actually make a difference in your practice. The junior athletes at the Red Bull Academy already begin getting ready for the subsequent season from the start of May. The program is made by volleyball professionals who are having years of knowledge and understand true the heart of the game.

This Smart Succulents planter can increase your succulents well on your house or office tabletop. Intensity can not ever be defined because each individual differs. These easy workouts will go quite a ways to help construct your self-confidence.

The internet store features fitness and training equipment too. Individuals undertaking specialist training have a host of different things to think about before deciding on the ideal boxing equipment. If one has not trained in a very long time, it's ideal to boost the training period gradually.

The New Angle On Volleyball Training Equipment Just Released

Basketball players and volleyball players and fitness enthusiast participating in many other sports stand to obtain an excellent advantage over their competition through the usage of these advanced parts of plyometric training equipment. By being part of the WWU women's volleyball club it is essential that we've got the appropriate facilities in order to do workouts and multiple athletic activities to accommodate to our particular sport. True enough, sports is now a significant part my life.

The volleyball pal is ideal for so many diverse explanations. It is essential for volleyball player's to learn how to correctly execute this drill. If you're playing the game for a pastime but would love to improve at it, consult a coach to provide you with some pointers.

Unless you are fortunate enough to have a great deal of land or live right next to a golf program, buying a couple of practice golf balls is a must to increase your game. They see windsurfing as a difficult sport. How to play soccerFitness just like any other sport, physical fitness plays a crucial part in soccer.

Ok, I Think I Understand Volleyball Training Equipment, Now Tell Me About Volleyball Training Equipment!

The love of reading cannot be a lousy present. It can be challenging to choose the ideal present for your family members at Christmas time. In An individual's Cap, or maybe in Hat A symbol connected with incredulity.

Choosing Good Volleyball Training Equipment

The hitter is likely to get started jumping whenever the setter receives the ball in his hands so he will be in the air as soon as the ball becomes there. For instance, when doing volleyball drills where players are attempting to execute an ideal forearm pass utilizing perfect passing form, players may rotate quickly and just must focus on skill execution at one time. After the player is using an excessive amount of hand contact this might cause the ball to go in a direction that wasn't intended for.

Reducing the high quantity of your sugar intake will improve your testosterone hormone manufacturing, with no doubt! Fantastic body balance requires you to focus your mind and permit the proprioception system play its part. You may have to hold onto something to have the maximum amount of stretching done.

A very simple dial controls the quantity of topspin or underspin you would like. Another important component to keep in mind is isometrics. Even though these volleyballs are the official dimensions, they are created from synthetic material like nylon.

If you are looking for the very best supplier of sporting goods and accessories, you're at right place because I am here in order to supply thorough information concerning the superior manufacturer of sports equipment. To help fit your finances, you'll have an option of two sizes for most items. The argument continues, sports are developed as more comparable entity due to the correct therapy and data about greater gear has arisen.

However, Zhang Xianyun's Jingxiaodian can see to it that the grade of the merchandise, and thus villagers wouldn't need to be worried about the getting fake products in the long run. In addition, we provide a number of the greatest and most inexpensive jump trainers in the marketplace. Just continue going back and forth, and you'll find more control of your sets and find a fantastic ab work-out!

There are two large scoreboards mounted on either side of the Fieldhouse for everybody to see. Fortunately, you've come to the proper place. If don't have any plans on having the capacity to participate up to 4-5 days per week, be upfront about that and locate a club that operates with your schedule.

Using Kbands increase the muscle tension on each one of the joints. Stretching should get your pulse up a bit, and you ought to spend 510 minutes stretching before you begin your fitness regimen. Rather, it will retain muscles build up when you slim down.

However, together with reaping benefits of sports, an individual will also need to take protective measures to lessen the danger of injuries. Being an authentic training training course, the subscribers are entitled to obtain an entire refund for their payment if they're unsatisfied by the tutorials. And it helps a whole lot in the logistics, because it does not require contractor, nor engineer.

To impart a feeling of security and supply injury protection, the experts also work on several facets. Utilize ApplyKit to discover the perfect school for you, learn how to boost your odds of gaining admission to your dream school and manage your complete application process in one location. In the instance of each, the bad leadership or bad performance of a single association or one affiliate doesn't reflect on the movement for a whole.

[grimoire-of-geekery]

Update!  In which Rune gets to complain a little (or a lot)

I’m actually fine, I’m just... whiny this morning.

Anyway, here are some updates for my life!

My Patreon’s been going strong!  It’s exciting, getting to share the little tidbits about the Fascinaria game universe and the Artemisia Book I’ve been working on.

The podcast has gotten a new episode, and we’ve managed to hold to our “one a month” schedule, even if it’s been slow going!  Give’er a listen, it’s free!

Mystically, I’ve been playing around with Shadowrun, Mage the Ascension, and some of my own stuff.  I try to stay in touch with the sources of my gnosis as needed.

I’ve also been on Second Life A LOT.  I love to chat with people, and I set up a whole tower environment so people could visit me, so COME DO THAT!  :D

And now for the whiny part (which you can ignore if you don’t want to deal with my problems, I totally don’t blame you), which is under a cut.

The most frustrating thing about working for yourself is that you don’t really get days off.  Today is supposed to be one of those for me, but people have been calling in and looking for me all day, making demands of my time like they just deserve what they want from me.

And it doesn’t stop there- I had someone do a nasty Yelp review on me, misrepresenting his reading with me, and basically stating that because I didn’t tell him things he wanted to hear, I should have given him a refund.  Mind you, this was after he stayed for an hour and gave me a tip, showing no dissatisfaction whatsoever.  It was shady.

A few days ago, I answered the message of someone who reads my Facebook.  For those of you who don’t know, I have a Facebook for my friends and more intimate contacts.  Occasionally I offer special divination offers to those people, generally limited to friends and locals in my area.  The offers are generally spontaneous, because I heard about something and decided that morning to celebrate (like World Tarot Day or Friday the 13th or something).

The message I answered stated that the individual was upset with me because, and I quote, “some of us have to save money to pay for your services, and these spontaneous deals aren’t fair to us.”

I was astonished at the level of entitlement in that statement.

I do divination for a living, you guys.  Much of my life has been spent listening to and interpreting signs, omens and significant coincidences.  This is not just a hobby or a side job for me, this is my way of life, my world philosophy.

I hold my specials because I was guided to do so by the signs around me.  I do the events for myself, as offering to the forces I hold sacred, and I expect that if I’m supposed to help someone with my offering, then they’ll show up at the right time.  That’s what trusting the fates is about.

It’s not like my normal rates are terribly pricey either!  They’re fair, based on my experience and the services I offer.  I don’t overcharge people, and I usually give over and above what people pay for.  I just... cannot fathom how someone is going to try to shame me just because a nice thing I did wasn’t something they were able to claim for themselves.

I’m not a commodity, I’m not a product.  I’m a real person with a life and responsibilities and issues, just like all my readers and clients.  For example: I’m not going to explain in detail, but I will say that just recently we have finally been able to sleep full nights in peace, and I am really looking forward to a day off.  I am friggin’ tired!  This is not something I complain about publicly very often, but my life is full of things I have to sort out or deal with.  Everyone’s is.

Anyway, thanks for reading my ranty wall of text.  If you feel moved by this, I ask that you go find someone who works for themselves, someone who offers a service to the world, and tell them they’re appreciated, and that you’re proud of them for what they do.  Believe me, doesn’t matter which person you pick, we need to hear it.  :)

[statetalks]

How Many Republicans Voted For Obamacare In The Senate

The House Has Voted 54 Times In Four Years On Obamacare Heres The Full List

Sunday marks the fourth anniversary of the signing of the Affordable Care Act, or Obamacare, however you prefer to describe it.

While Democrats are struggling with whether to embrace the law or push for changes, Republicans are reminding voters that since they took control of the House in 2011, theyve voted 54 times to undo, revamp or tweak the law. Heres a full list of those votes, as provided by GOP aides. Dates with an asterisk denote a bill that also passed the Senate and was signed by President Obama:

Votes during the 112th Congress, from 2011-2012:

1.Jan. 19, 2011: The Health Care and Education Reconciliation Act would have repealed all of the Affordable Care Act. It passed 245 to 189 with three Democrats voting for it, but was never considered by the Senate.

2.Feb. 19, 2011: The Houses version of the fiscal 2011 continuing appropriations bill included several amendments that would have severely limited implementation of the law. It passed 221 to 202 with no Democratic votes and was never considered in the Senate.

The next few votes were on amendments added to the appropriations bill:

3.The Rehberg Amendment #575: Prohibited funding for any employee, officer, contractor or grantee of any agencies funded under appropriations for the departments of Health and Human Services and Labor to implement provisions of the law.

4.The King Amendment #267: Ensured that no money included in the appropriations bill would be used to implement the law.

Employer Mandate And Part

The employer mandate applies to employers of more than fifty where health insurance is provided only to the full-time workers. Critics claimed it created a perverse incentive to hire part-timers instead. However, between March 2010 and 2014, the number of part-time jobs declined by 230,000 while the number of full-time jobs increased by two million. In the public sector full-time jobs turned into part-time jobs much more than in the private sector. A 2016 study found only limited evidence that ACA had increased part-time employment.

Several businesses and the state of Virginia added a 29-hour-a-week cap for their part-time employees, to reflect the 30-hour-or-more definition for full-time worker. As of 2013, few companies had shifted their workforce towards more part-time hours . Trends in working hours and the recovery from the Great Recession correlate with the shift from part-time to full-time work. Other confounding impacts include that health insurance helps attract and retain employees, increases productivity and reduces absenteeism; and lowers corresponding training and administration costs from a smaller, more stable workforce. Relatively few firms employ over 50 employees and more than 90% of them already offered insurance.

Republicans Can Give Up On Health Care And Move To Other Issues

That seemed to be the message from Senate Majority Leader Mitch McConnell, R-Ky., after Fridays roll call was over.

Our only regret tonight is that we didn’t achieve what we had hoped to accomplish,” McConnell said. “Its time to move on.”

Without question, Republicans have a boatload of other pressing issues to tackle including a must-pass defense measure, annual funding bills to keep the government open, and tax reform. Republicans need a legislative victory, and so far theyve spent an exasperating seven months on health care with nothing to show for it.

So its no wonder if some lawmakers are eager to turn the page.

Right now, we have very little to go home and talk about, said Rep. Mark Walker, R-N.C. We have not delivered.

Read more: 

Four Senators And A Bill One Year In The Making

While Republicans had worked on various proposals to overhaul the tax code for decades, Republican senators began strategizing their latest attempt to reform the tax code not long after Trump stunned the country and won the White House. Republicans had a President ready and willing to sign a bill if they could manage to send him one.

According to a source familiar with the tax negotiations, as far back as December 2016, a small group of Republican senators all on the Senate Finance Committee and guided by Chairman Orrin Hatch and his staff began hashing out the Senates course.

The group included Sens. Rob Portman, formally the director of the Office of Management and Budget, Sen. John Thune, a member of the GOP leadership, Pat Toomey, a fiscal conservative and a member of the Senates Budget Committee and Sen. Tim Scott, a rising conservative star in the party. Over the next several months, the senators held what the source said must have been hundreds of meetings as they sought to find a way forward not only among fellow senators but in cooperation with the House of Representatives and Trump who lawmakers widely acknowledge was more engaged and interested in tax reform than he had been on health care.

Theres been an enormous amount of work done. The reason you see everybody looking so tired is because we are, said Sen. John Kennedy, a Louisiana Republican. They did a great job of keeping us apprised so we wouldnt be surprised.

Senate Republicans’ Obamacare Bill Could Hinge On Three Women

Senate Republicans aren’t disclosing much about their plans to overhaul the Affordable Care Act . But with just nine legislative days left before their self-imposed deadline for a vote on the legislation, one thing is clear: Three female senators could make or break their effort to deliver on a political promise seven years in the making.

Related: All-male Senate healthcare group criticized by Democrats

Republicans Lisa Murkowski, Susan Collins and Shelley Moore Capito all hail from largely rural states , and all have been openly critical of how the House-passed bill to repeal Obamacare would affect their constituents. “The plan the House laid down does not help Alaska. It does not help decrease their costs, and it does not help increase their access,” Murkowski told Vox last week.

The trio of senators also tends to be more moderate than most of their GOP colleagues, at least in terms of how they view the federal government’s role. So Medicaid funding is a huge sticking point for them, and they did not like the cuts in the House bill. The question is whether the final draft of the Senate’s health care proposal will move far enough to the middle to assuage their concerns. With 52 Republicans in the Senate, the party can’t afford to lose all three women and still pass its bill with a bare majority.

Actual Events That Occurred As A Result Of The Affordable Care Act 2011 To 2014

January, 2011: In 2011, insurance companies had to ensure the value for premium payments. If insurance companies did not spend at least 80% to 85% of premiums on care the difference is sent to customers in a refund.

January 2011: A Florida judge rules that elements of the Affordable Care Act are unconstitutional.

November 14, 2011: The US Supreme Court agrees to hear arguments in the Obamacare case brought by 26 states and the National Federation of Independent Business. It argues that elements of the Affordable Care Act are unconstitutional.

January, 2014: Health Affairs published its most recent analysis of Medical Loss Ratio performance by major insurers.

March, 2014: The New York Times reports that the U.S. Census Bureau, the authoritative source of health insurance data changed its annual survey so thoroughly that it became difficult to measure the effects of President Obamas health care law. 

What The Aca Means For You

The Affordable Care Act is perhaps the greatest overhaul ofthe US health-care system, and it will provide coverage for over 94% ofAmericans. In addition, one of its key reforms includes health coverage for adultswith pre-existing conditions, which generally had not been available up untilnow.

These great changes in health-care insurance can benefit you and your loved ones. However, it is still essential to find the best plans at the best price to ensure your family is properly covered.

To learn about the specific Obamacare-compliant health insurance plan options available to youplus see if you are eligible for a government subsidy to help pay for a plancompare ACA-compliant health insurance plans with eHealth today.

Changes Required By The Affordable Care Act Immediately

March 23, 2010: Anyone who had already purchased a health insurance plan by this date had a plan with grandfathered status. The grandfather clause allowed current plans to stay the same as long as their insurer continued to offer that plan.

March 23, 2010: Anyone who bought a health insurance plan after March 23, 2010 would eventually have to enroll in a new plan that met all of the new standards of the Affordable Care Act. The original deadline for this transition was January 1, 2014, or on a plans renewal date within the 2014 plan year.

On April 7, 2010: eHealth publishes a list of FAQs and tips for consumers and small business owners who buy their own health insurance.

Reminder: Obamacare Passed Without A Single Republican Vot

The bill now heads to the Senate. Washington CNN â. House Republicans claimed victory Thursday after successfully garnering 217 yes votes to repeal and replace Obamacare. But there were 20. Set the health care record straight: Republicans helped craft Obamacare A final vote isn’t the whole story. It’s like researching your ancestry and going no further back than your mother and father The Republican-controlled Senate voted 52-47 to repeal several core Obamacare provisions under special budget procedural rules that allow for passage with a simple majority That came after the House voted to repeal or amend the Affordable Care Act more than 50 times since it was passed in October 2009. According to a Washington Post analysis, by March 2014 they had.

Changes Required By The Affordable Care Act After 180 Days

September 23, 2010 :

Seniors are entitled to a $250 rebate to close the Medicare Part D coverage gap.

A government website is created to allow people to search for information about health insurance companies, available plans, and other essential facts.

Insurers are not permitted to exclude pre-existing conditions from coverage for children.

October 19, 2010: eHealth publishes its first in a series of resources to help uninsured children navigate differences in individual states.

History Lesson: How The Democrats Pushed Obamacare Through The Senate

Twenty-five days of consecutive session on a bill that was partisan in the sense that Republicans were angry with it, but we still had the courage of our convictions to have a debate on the floor. Senate Minority Leader Charles E. Schumer , remarks on the Senate floor, June 19, 2017

To highlight the secrecy of the GOP health-care deliberations, many Senate Democrats have pointed out that the debate over the Affordable Care Act was the second-longest consecutive session in Senate history. Schumer even sought a parliamentary inquiry on the claim, and it was confirmed by the presiding officer, Sen. Joni Ernst

The Secretary of the Senates office notes that H.R. 3590 was considered on each of 25 consecutive days of session, and the Senate Library estimates approximately 169 hours in total consideration, she said.

The longest session, Feb. 12-March 9, 1917, concerned whether to arm merchant ships during World War I, shortly before the United States entered the conflict. That lasted 26 days.

But this statistic obscures a reality: The key work on creating the Senate version of the ACA was done in secret. Lets take a trip down memory lane.

Attempts To Change Or Repeal

Read Ballotpedia’s fact check »

The Affordable Care Act was subject to a number of lawsuits challenging some of its provisions, such as the individual mandate and the requirement to cover contraception. Four of these lawsuits were heard by the United States Supreme Court, resulting in changes to the law and how it was enforced. In addition, since the law’s enactment, lawmakers in Congress have introduced and considered legislation to modify or repeal parts or all of the Affordable Care Act. Finally, between 2010 and 2012, voters in eight states considered ballot measures related to the law. This section summarizes the lawsuits, legislation, and state ballot measures that attempted to change, repeal, or impact enforcement of parts of the law.

What Did Trump Say About Obamacare

The Trump administration asked the Supreme Court to revoke Obamacare because its been an unlawful failure.

A brief filed in June asked the court to strike down the Affordable Care Act, arguing it became invalid after axed parts of it.

Speaker Nancy Pelosi said: President Trump and the Republicans campaign to rip away the protections and benefits of the Affordable Care Act in the middle of the crisis is an act of unfathomable cruelty.

If President Trump gets his way, 130 million Americans with pre-existing conditions will lose the ACAs lifesaving protections and 23 million Americans will lose their health coverage entirely.

There is no legal justification and no moral excuse for the Trump Administrations disastrous efforts to take away Americans health care.

Republicans also argue that some people are better off without Obamacare due to the fact that it does not cover those who need it most.

According to the provisions, people who earn just slightly too much to qualify for federal premium subsidies, particularly early retirees and people in their 50s and early 60s who are self-employed are not covered.

Trump endorsed a replacement to Obamacare in 2017 but fell short of passing the Republican-controlled Congress.

The 2020 election will be pretty simple: if you want more sick people without healthcare coughing on you, vote Trump.

Watch Sen John Mccain Cast ‘no’ Vote On ‘skinny’ Repeal

It isn’t clear what comes next, but the collapse of some insurance markets around the country serve as an incentive for Republicans and Democrats to hold hearings and fix the problems with health care.

Most Republicans never embraced the different iterations of legislation they crafted, nor the process by which it was constructed. Even on the last-ditch effort at a bare-bones bill, Republicans couldnt reach agreement. Over the past two days, many rejected a plan that would have partially repealed and replaced Obamacare and a measure that would have just repealed it. The repeal vote was the same bill that passed the Senate and the House in 2015 when former President Barack Obama vetoed it.

Sen. Lisa Murkowski, R-Alaska, stood against every version of the legislation even in the face of immense pressure. The Trump administration threatened to withhold federal resources from Alaska because of her opposition, according to the Alaska Daily News. Murkowski herself said the next day in response to the report that she would not characterize it as a “threat.”

“I sat there with Senator McCain. I think both of us recognize that its very hard to disappoint your colleagues,” Murkowski told NBC News after the vote. “And I know that there is disappointment because it was the three votes that Senator McCain, Senator Collins, and I cast that did not allow this bill to move forward. And that is difficult.”

“John McCain is a hero and has courage and does the right thing,” Schumer said.

Senate Gop Clears Key Hurdle In ‘obamacare’ Repeal

Republicans approved a budget resolution by a 51-48 vote.

Senate GOP Clears Key Hurdle in ‘Obamacare’ Repeal

— Senate Republicans cleared an important hurdle early Thursday in the legislative process to repeal the Affordable Care Act, capping a marathon seven-hour voting session by passing a budget resolution.

It was a key step for Republicans as they move to undo major parts of President Obama’s signature health care law. The 51-48 vote came down along party lines and paves the way for a vote on a repeal bill that could come as early as next month. The measure allows the GOP to pass final legislation in the Senate with a 51-vote simple majority instead of the 60 votes required for most legislation. Republicans currently control the chamber with a 52-seat majority.

Vice Presidentelect Mike Pence tweeted out congratulations to his fellow party members on Capitol Hill, calling it a “first step to repeal/replace ObamaCare.”

The resolution is a blueprint that will now be sent to committees, instructing them to write a budget with certain parameters.

Sen. Bernie Sanders, I-Vt., the ranking member on the committee, responded, “The passage of this budget resolution will allow Republicans to come back to the floor of the Senate with a budget reconciliation package which will repeal the ACA with a simple majority, and if they do that, 30 million Americans will lose their health care, with many thousands dying as a result.”

The Associated Press contributed to this report.

Congress Obamacare: Obamacare Exemption For Congres

The Relationship Between Congress and Obamacare. Louise Norris has been a licensed health insurance agent since 2003 after graduating magna cum laude from Colorado State with a BS in psychology. Elaine Hinzey is a fact checker, writer, researcher, and registered dietitian. When it comes to information about the Affordable Care Act (ACA. The Senate Bill 475, entitled the Juneteenth National Independence Day Act, was passed by a 415-14 vote on Wednesday, clearing the way for President Joe Biden to sign it into law

Attacks On Sessions Could Be A Red Line For Gop Senators

The bill was deeply unpopular, but GOP leaders worked to assure members it would never become law. Instead, they wanted the Senate to pass it in order to advance the legislation to a third round of negotiations with the House to try to craft a final bill both chambers could pass.

McCain was not moved by these assurances, including a private meeting with House Speaker Paul Ryan on Thursday prior to the Senate vote. After the vote, McCain quickly left the Capitol and declined to comment to reporters.

Top Trump Aide Says Ethics Filings Discourage Potential Government Employees

Something seemed afoot before the vote. It was delayed. McCain was seen huddling with Democrats. Vice President Pence, who had come to the Capitol expecting to be the tiebreaking vote, personally and unsuccessfully lobbied McCain on the floor to try to win his vote.

With McCain’s vote apparently gone, Republicans were seen trying to persuade Alaska’s Lisa Murkowski to vote for the bill to no avail. She eventually also voted no along with Maine’s Susan Collins.

Laws Ripped From The Handmaids Tale

Then there are the political headaches that would be triggered by the overturning of Roe: the likely countermobilization of liberals and alienation of many moderates suddenly witnessing the painful realities of abortion bans, and stronger pushes in Republican ranks for a total national abortion ban and other extreme measures.

The Republicans incendiary antiabortion rhetoric could come back to haunt. If abortion constitutes the murdering of babies, as antiabortion language insists, and theres no longer a Roe v. Wade getting in the way, arent the Republicans obliged to ban it in every instance and every place, whether through the courts or the political process?

Will Biden get in the ring?: Patients shouldnt have to fight this hard for an abortion 

Expect emboldened right-wing politicians to push more legislation that sounds like its been ripped from the scripts of The Handmaids Tale. Abortion bans that make no exceptions for victims of rape or incest  a hallmark of the Mississippi law heading to the high court this fall. Bills like one that advanced recently in Pennsylvania that focuses not just on abortions but miscarriages, too  categorizing miscarriages as deaths and requiring health care facilities to file death certificates and get burial permits. As if the would-be mother werent already suffering enough, now this extra burden, served up with a sinister insinuation about her miscarriage. 

Changes Required By The Affordable Care Act In 2014

October 1, 2013: Health insurance exchanges scheduled to open for 2014 enrollment begin writing policies that go into effect January 1, 2014.

January 2014: People buying insurance on their own get subsidies to help them pay their monthly insurance premiums. Premiums are allocated on a sliding scale, as determined by income. Any individual earning over 400% of the poverty level does not qualify for subsidies.

January 2014: When health insurance exchanges are operational, small business tax credits are up to 50% of premiums.

January 2014: Insurance companies are required to provide health insurance to any adult aged 19 to 64 who applies for coverage.

January 2014: To prevent people from waiting until they get sick to buy health insurance, the ACA requires all Americans to buy health insurance or pay a fine. The fine starts at $95 for an individual in 2014 and goes up each year until 2016, when the fine is $695 or 2.5% of a persons annual income, whichever is greater.

January 2014: Pre-Existing Condition Insurance Plans , established in 2010 are scheduled to expire on January 1, 2014 once all major ACA reforms go into effect.

Eliminating Health Care Penalties

The Affordable care Act, required most Americans to be enrolled in Health Insurance since it was made affordable, otherwise a penalty would be induced. Effective 2017, congress attempted to eliminate financial penalties that were related to complying with the mandated law that every individual needs to be enrolled in Health insurance, this law however did not become effective until 2019. This policy is still valid, the penalty for having no health insurance was reduced to 0$. Individual mandates effects the decisions made by individuals regarding healthcare in that some people will not enroll since health insurance plans are no longer mandatory.

On March of 2020, the nation has undergone a global pandemic, however, several Republican-led states and the Justice Department are making the case for invalidating the ACA. This will cause at least 60 million people to not be able to afford being hospitalized, or treated which increased the number of COVID-19 cases nationwide.

Mccain Votes No Dealing Potential Death Blow To Republican Health Care Efforts

After casting a “no” vote, McCain left the Capitol and declined to talk with reporters. Cliff Owen/APhide caption

toggle caption

After casting a “no” vote, McCain left the Capitol and declined to talk with reporters.

In a moment of unexpected high drama, Republicans were stymied once again in their effort to repeal the Affordable Care Act and they have John McCain to thank for it.

In the early morning hours Friday, the senator showed why he earned the nickname “Maverick” over his long tenure.

McCain, who was diagnosed with brain cancer and returned to Washington to advance the health care bill, turned around and bucked his party’s leadership and President Trump by joining two moderate Republicans, two independents and every Democrat in voting against the so-called “skinny repeal” of the Affordable Care Act, also known as Obamacare.

Associated Press via

McCain’s office released a statement from the senator on his reasoning:

McCain continued, calling on lawmakers to “return to the correct way of legislating and send the bill back to committee, hold hearings, receive input from both sides of aisle, heed the recommendations of nation’s governors, and produce a bill that finally delivers affordable health care for the American people.”

The Senate voted 51-49 against the legislation aimed at dismantling the Affordable Care Act.

Democrats Launch Gun Control Debate

In recent months, many Senate Democrats have grown increasingly agitated at their inability to respond to the growing number of mass shootings across the country and pass tougher gun control legislation and measures to help mentally unstable people before they carry out a tragedy. Their last major effort came after 20 children and 6 adults were killed by a gunman in Newtown, Connecticut, three years ago.

Even then, a bipartisan measure from Sen. Joe Manchin, D-West Virginia and Sen. Pat Toomey, R-Pennsylvania to expand background checks failed.

The entire country will know where every member of the Senate stands on tightening background checks, on keeping guns out of the hands of terrorists, and on strengthening and improving mental health in this country, said Sen. Chuck Schumer of New York. The scourge of gun violence that has swept through this country in recent years has snuffed out thousands upon thousands of lives. Its an epidemic that must be dealt with head on and that means keeping guns out of the hands of people who should not have guns.

Democrats brought up the Manchin-Toomey measure, a proposal from Sen. Dianne Feinstein of California that would prevent people on the terror watch list from buying guns, and a third amendment to strengthen mental health and substance abuse treatment all failed. Each was blocked from getting 60 votes to advance. Republicans offered alternatives to each and they were blocked as well.

The other amendments fell on party lines.

source https://www.patriotsnet.com/how-many-republicans-voted-for-obamacare-in-the-senate/

[zanytimetravelenthusiast-blog]

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The Ultimate Overview to Webinars: 37 Tips for Successful Webinars (Part 5)

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[propertyfinancepartners-blog]

The PPI Deadline: What You Need to Know

As of today, we all have less than one month to claim any mis-sold payment protection insurance (PPI). Statistics show that around 64 million PPI policies have been sold in the UK – most of them between 1990 and 2010, with some policies dating as back as the 1970s. The History of PPI As some of you may probably know, the payment protection insurance was established in order to cover repayments that people couldn’t pay themselves due to certain circumstances. For example, PPI would cover any repayments of a person that could not work due to an illness, accident, or death or was made redundant. More than 35 billion pounds have been repaid to customers since 2011, with banks setting aside billions and billions for this type of compensation and refunds. Naturally, a deadline was probably bound to happen sooner or later – you can do so and reclaim any mis-sold PPI until the 29th of August 2019. In today’s article, we will be talking about everything that you need to know about the PPI deadline. This way, you won’t miss a single thing and you’ll be able to properly claim back your money. Are You Entitled to PPI Compensation? You may have been mis-sold payment protection insurance if you have purchased a loan, mortgage, or any kind of credit product – such as a credit card – up until 2006. Keep in mind that mis-selling could have taken place after this year as well. Given that there is no limit on how far back people can claim payment protection insurance and that most of us don’t actually know if we’ve been mis-sold PPI, we should all consider making a claim. Even if there’s a small chance that you are owed compensation, then make sure that you do not miss the deadline. What Happens to the Unclaimed PPI funds? As mentioned before, the money available for compensation and refunds has been set aside by the banks of the UK. Obviously, any unclaimed funds will be reinvested in these banks. In short, every bank that is offering refunds keeps the money that the people don’t claim. Basically, we could say that these funds are up for grabs for anyone that has been mis-sold a PPI. What You May Not Know If you haven’t filed a claim yet, then you may think that this whole PPI thing does not apply to you or that the process for being awarded a refund is too complicated. You may also avoid claiming a refund because you had PPI on an appropriate product and nothing went wrong with it – you were happy with your deal, so to say. However, there were some cases in which people were sold a certain product as part of a credit deal. This should make the sales process questionable and, ultimately, persuade you into applying for a PPI refund. There are more than enough stories of people that have checked PPI without expecting anything, only to find out that they were owed thousands due to a mis-sold. For example, one person who used a lot of different loans in the past didn’t think that they were eligible for a refund. Later investigations discovered that the person was owed almost 19 thousand pounds. When Will the Claims be Resolved? Keep in mind that the deadline date is the 29th of August. All you need to do in order to take advantage of the PPI repayment is to submit your claim before this date. If you submit your claim close to this date, it is unlikely that you will receive an answer before the 29th. However, this doesn’t mean that your claim will get cancelled or denied. As long as you submit it before the 29th and the bank receives your claim, they will investigate it and return to you with the result. The bank usually takes around eight weeks to resolve a claim – still, it is known that this process can be longer in some instances. You should be patient. How Do You Submit a Claim? There are companies that will offer you their services and make a claim on your behalf. However, keep in mind that the claims management firms will take a rather large part of your compensation for filing a claim for you – up to 24%. For example, if you think you may be entitled to PPI compensation on a buy to let mortgage, you may want to keep it all for yourself. Naturally, the easiest way to submit a claim is by making one directly to your provider. There are also many online tools that can help you start your claim, fill out the form, and then forward it to your provider, be it Property Finance or anyone else. Buy to Let Mortgage PPI Since we have mentioned a scenario including a buy to let mortgage, it is worth mentioning a couple of things about this specific case. While you can file a PPI claim for this, keep in mind that most companies will reject it – therefore, PPI is worth having. Moreover, as most mortgage brokers were not regulated before January 2005, the window for complaints is little to none. In short, the sale of PPI starting with January 2005 has been regulated while buy-to-let lending is unregulated – the result is mortgage PPI that does not get much coverage. What Happens If You Miss the Deadline? If you miss the deadline of August 29, you can still make a claim – but only if you have experienced exceptional circumstances. If you have to rely on such a claim, keep in mind that you must include as much information as you can when you apply – as these claims will be dealt with on a case-by-case basis. We strongly recommend you apply for PPI compensation before the deadline if you want to make sure that your claim gets considered. Concluding Remarks If you’ve stressed over PPI in recent years, then now is the time to make the most of it, so to say, and take advantage of it as well. As you won’t have to think about payment protection insurance ever again, this is the perfect time and opportunity for you to file a claim and possibly get compensated. Basically, if you think you’ve been mis-sold PPI, then don’t waste any time and apply for a refund today – it’s free, it’s easy, and you get the chance to solve this matter once and for all! Read the full article

[personalcoachingcenter]

How to Owe Nothing on Your Federal Tax Return

New Post has been published on https://personalcoachingcenter.com/how-to-owe-nothing-on-your-federal-tax-return/

How to Owe Nothing on Your Federal Tax Return

The way you fill out the W-4 form that you turn in to your employer when you start a new job determines how much income tax you will have withheld from each paycheck, which affects how much you will ultimately owe or receive as a refund in April. What you may not know is that it’s possible to submit a new W-4 form to your employer whenever you want – it’s not a one-time thing. (For more on income taxes, see our Tax Center.) Managing what your employer withholds through your W-4 form will enable you to have a better shot at owing no taxes in April.

On the other hand, you also don’t want to overpay taxes and give an interest-free loan to Uncle Sam all year, which could also happen. Read on to find out how to get your tax bill or refund closer to zero before tax time approaches.

Determine Your Total Tax Liability

Your personal situation will determine how accurately you can calculate your total tax liability for the year. If you are a salaried employee with a steady job, it’s relatively easy, because you can predict what your total income for the year will be. If you’re an hourly, seasonal or self-employed worker, make an educated guess based on your earnings history in your current line of work and how your year has gone so far.

You have three options for calculating your tax liability:

Online Paycheck Calculator Online paycheck calculators can be found easily with a simple internet search. By entering your gross annual pay, the state where you work, your pay frequency, federal filing status and the number of withholding allowances you entered on your W-4, the calculator will tell you your federal tax liability per paycheck, which you can multiply by the number of pay periods to find out your total tax liability for the year. This method is easy and the result will be reasonably accurate, but it may not be perfect since your actual tax liability will depend on whether you itemize your deductions and which tax credits you claim.

IRS Tax Withholding Calculator The tax withholding calculator at the Internal Revenue Service website is particularly useful for people with more complex tax situations. It will ask about factors like your eligibility for child and dependent care tax credits, how much you have contributed to a tax-deferred retirement plan or health savings account (HSA) and how much federal tax you had withheld from your last paycheck. Based on the answers to your questions, it will tell you how much federal tax it expects you to owe at the end of the year, what you have paid so far and how much you will owe or be refunded. It’s also a good way to learn about any tax credits you may be owed.

Sample Tax Return If you have tax software or know how to fill out a 1040 form yourself, you can complete a sample tax return. This method will give you the most accurate picture of your end-of-year tax liability. The only thing that can make it inaccurate is if you have to use the previous year’s tax software because the current year’s software hasn’t been released yet. However, a little online research can usually uncover which tax provisions have changed from the previous year, such as the new standard deduction amount. (Note that the standard deduction will nearly double in the 2018 tax year: from $6,350 in 2017 for singles to $12,000; $9,350 to $18,000 for heads of household; and $12,700 to $24,000 for married filing jointly.) Filling out a sample return is also ideal for people who itemize deductions, such as homeowners or those who are self-employed. 

How To Get The Most Money Back On Your Tax Return

Determine Your Tax Withholding

Once you know the total amount you will owe in federal taxes, you’ll need to figure out how much you need to have withheld per pay period to get to that total, but not exceed it, by December 31.

If not enough tax is being withheld, the easiest way to fix the problem is to fill out a new W-4. On line 6, which says “additional amount, if any, you want withheld from each paycheck,” fill out the difference between what you should be paying each pay period and what you’re actually paying. You could also decrease the number of withholding allowances you claim, but the results won’t be quite as accurate. You don’t have to wait for your employer’s HR department to hand you a new W-4 form – just print out the W-4 yourself from the IRS website. You can also make sure that you’re taking all the payroll deductions you’re entitled to.

If you’ve been overpaying and you want to get some of that extra money back each pay period, try increasing the number of withholding allowances you claim. Note that you must have a reasonable basis for the withholding allowances you claim. If the IRS finds there was no reasonable basis for these claims, you may have to pay a $500 fine. There can also be criminal penalties for willfully omitting or providing false information.

The most important thing is to pay enough tax throughout the year to avoid penalties and interest. You’re required to pay at least 90% (this threshold was lowered to 85% for tax year 2018) of your current year’s tax liability or 100% of your previous year’s tax liability, whichever is smaller. You’ll also avoid penalties if you owe less than $1,000 on your annual tax return.

If it’s so early in the year that you haven’t received any paychecks or pay stubs yet, just divide your total tax liability for the year by the number of paychecks you receive. Then, compare that amount to the amount that is withheld from your first paycheck of the year and make any necessary adjustments.

If it’s not the beginning of the year, you’ll need to compensate for all the previous pay periods when you were over- or underpaying your federal tax by filling out a new W-4 to adjust your withholding up or down for the rest of the year. Then, the following January, you’ll need to fill out a new W-4 again, or else your withholding will be off for the new year.

Finding out that you owe money when you were expecting a refund is a nasty shock. There are, of course, a number of ways to raise the money if you find yourself with a sudden, hefty tax bill. But it’s better to strategize proactively and avoid it.

The basic way to resolve the under- or overpayment problem is the same. But instead of dividing the amount you’ll owe for the whole year by the number of paychecks you receive, you’ll need to figure out how much you’ve paid in federal taxes so far (your pay stub may have a running total; if not, ask your HR department). Subtract that amount from what you owe, then divide the result by the number of pay periods remaining for the year. The final number is how much federal tax you need to have withheld from each paycheck. If you’ve been underpaying, a simple subtraction calculation will show you how much extra you need to pay each month.

Figuring out the reverse is trickier. There is no simple way to do it; the best method is to plug different numbers of withholding allowances into a paycheck calculator until it spits out the amount closest to the calculated federal tax you want to be paying each pay period.

Remember, if you’re self-employed, have fluctuating income because you’re an hourly or seasonal worker, have multiple jobs or lower your taxes by itemizing your deductions, things get considerably more complicated. You probably won’t be able to make sure you owe nothing on your taxes with 100% accuracy because your income and tax liability will change throughout the year. But following these steps may help you get closer to a reasonable number. You can always redo the calculations described above two or three times a year as your income picture evolves.

The Bottom Line

It sometimes takes considerable effort to figure out what amount you should really have withheld from each paycheck, especially if it’s not the beginning of the year. However, a couple of hours now can either increase your monthly cash flow for the rest of the year or save you from an unexpected bill at tax time. Having money now is more valuable than having the same money in the future for a variety of not-always-obvious mathematical reasons; it’s worth getting as much cash per month as Uncle Sam will permit.

Go To Source

[lovequotescom]

Ways to get a VA Funding Fee Refund

Ways to get a VA Funding Fee Refund

Your certification of Eligibility (COE) will state whether or otherwise not you’re exempt from having to pay the cost. You will see situations, but, where there is certainly a pending impairment claim as soon as the loan closes.

In the event your pending claim is later on approved by having a retroactive date before the close for the loan, you’ll be qualified to receive the VA capital charge refund. You may also be entitled to the reimbursement when you have no claim pending at closing, but later on have impairment claim authorized this is certainly retroactive to a romantic date before loan closing.

This can spans years. It really is also feasible to request a refund after that loan happens to be completely paid back.

Because this cost is compensated towards the VA, they determine reimbursement eligibility. The process can be started by you 1 of 2 ways:

You may be usually reimbursed according to just exactly just how you paid the charge. You will be reimbursed in money in the event that you paid in money. Into the loan, your loan amount will be reduced by that amount if you rolled it.

I’ve two great links offered in my experience due to Doug Nordman at the-military-guide.com.

1st a person may be the VA handbook it self. A great deal of info in the event that you genuinely wish to enter into the weeds:

The second website link is the particular chapter in the handbook that show VA workers simple tips to process VA funding cost refund needs:

Go ahead and comment in the bottom with this post when you have questions regarding this.

Other Costs

The lending company, maybe not the VA, sets the attention price, points, and costs that are closing. You’ll check around for better rates. Some could have reduced charges or negotiate particular credits

The cheapest lender might not continually be the most effective. The capacity to shut quickly and effectively is essential, and may be well worth extra cash for a far more company that is competent. Make an effort to get sources and recommendations

The vendor pays for a few closing expenses as much as 4per cent

No commissions, brokerage costs, or “buyer broker” charges might be charged into the Veteran customer

Eligibility

You’ll need satisfactory credit, sufficient earnings, and a legitimate certification of eligibility through the VA to have the mortgage.

The VA will not need a borrower to own a minimum that is specific score for VA loans, but the majority of lenders will need candidates to own a credit rating with a minimum of 620. If your debtor doesn’t satisfy this requirement, they may be authorized, but greater interest levels can be charged.

Whenever trying to get a VA loan, be ready to offer copies of W2 statements and past pay stubs to validate earnings along with paperwork of assets such as for example checking records, cost cost cost savings reports, along with other economic assets.

VA mortgages may be used to:

Purchase a property, a condominium device in a project that is va-approved

Create a home

Simultaneously purchase and improve a house

Enhance a house by setting up energy-related features or energy that is making improvements

Obtain a manufactured home and/or lot

Refinance a current VA-guaranteed or direct loan for the goal of a reduced rate of interest

Refinance a mortgage that is existing or other indebtedness guaranteed by way of a lien of record for a residence owned and occupied by the veteran as a property

You will find a lot of other ways to qualify for this loan:

Ninety days in a combat area

1 of active duty year

6 many years of drilling as a reservist or guard that is national

This is actually the link for eligibility rules:

Loan Limits

Crucial Note: Loan limits is disappearing on Jan 1, 2020 under a brand new legislation finalized by the President. We shall upgrade this document the moment clear documents on what this may affect borrowing can be acquired

The VA doesn’t have a limit as to how much you are able to borrow, nevertheless they do limit just how much regarding the loan they will guarantee. As of this quantity or below, you’ll be able to don’t have any or the lowest advance payment. When you go beyond this loan restriction, the remaining portion will need a more substantial advance payment, frequently about 25% for the part within the loan limitation.

The loan that is typical for no cash straight straight down in 2019 are the following:

$484,350 for just one home

$620,200 for the two-plex

$749,650 for the 3-plex

$931,600 for the 4-plex

They are the quantities for some areas into the U.S., however you should lookup your location regarding the VA site. Some areas have actually restrictions a great deal greater, such as for instance Alaska, Hawaii, Guam, together with U.S. Virgin isles.

These limits can be checked by you right right right here:

Just Exactly How Many VA Loans Can We Have?

Individuals frequently ask when they might have two VA Loans or maybe more.

You’ll have one or more VA loan at a right time as much as the mortgage limitation referenced above. The loan limit pertains to the place you’re looking to purchase in now, perhaps perhaps perhaps not the positioning you purchased prior to.

Staying Entitlement

So that you can learn how to get a moment and sometimes even 3rd VA Loan, you must first master the complicated idea of the staying entitlement. I am going to try to result in the hard concept a simple one here.

The VA guarantees a percentage of each and every loan it generates. That is why is it feasible for these loans to own no down payment. The amount of guarantee is mirrored in a dollar quantity named an entitlement.

You read money lion reviews at speedyloan.net will be clear on which your entitlement is through getting the certification of Eligibility (COE).

VA borrowers which have to relocate can change their present houses right into a property that is rental buy another house or apartment with a VA loan.

The staying entitlement they have actually on the certification of Eligibility will figure out if it is essential to have any advance payment on this home.

Just How Down Payments are Determined

There are two main levels of entitlement for VA loans. A fundamental entitlement for $36,000, an additional tier entitlement for $85,087. Include these together, you can get $121,087.

This is actually the number of that loan that may be fully guaranteed. Whilst the VA typically guarantees 25% of that loan, in the event that you increase that number by four, you will understand what size of a loan you could get using the entitlement.

$121,087 X 4 = $484,348 maximum loan quantity without any advance payment for a family that is single in many elements of the united states.

Bear in mind, it is possible to definitely get a larger loan than this quantity, you begin having to add for the advance payment at that time. This just pertains to the quantity over $484,348.

I’m going to help keep the figures effortless.

Let’s say you get planning to borrow $585,348 to get a home.

That could be $100,000 on the max loan quantity feasible without any advance payment.

How do you calculate exactly how much of a advance payment you will have to show up with your self?

Well, 25% of that loan should be fully guaranteed. Typically, the VA guarantees it aided by the entitlement. But when you’ve utilized that most, then chances are you guarantee it with a deposit. Which means you guarantee the additional $100,000 having a 25% deposit.

You’ll want to place $25,000 down in the whole $585,348. While this will be 25% regarding the $100,000, it really is just 4.3% associated with loan amount that is entire. Not bad at all.

How exactly to purchase a 2nd home (or Third)

Investing in a 2nd home is often called an additional tier entitlement in VA loans groups. Now you’ll noise really cool once you realize that!

Once you know the way the downpayment is calculated, you can make use of the process that is same learn how to turn your overall VA loan house into a leasing, proceed to an innovative new location, and get another main residence with another VA loan.

Once again, realizing that your entitlement that is total is121,087, which represents 25% of what you could purchase ($121,087 X 4 = $484,348)

$484,348 may be the maximum amount it is possible to borrow for the family that is single in many components of the U.S. Some high price of residing (HCOL) areas already have a greater allowance.

You moved to a different city, you would have ($484,348 – $200,000) $284,000 that could be borrowed later without needing a down payment if you spent $200,000 on your first home, when.

For every single thousand bucks over that quantity you’ll want to borrow, $250 of downpayment will be required. You will need to protect 25% of any such thing within the optimum with you downpayment money that is own.

Minimal Loan Amount for the 2nd Property

Buying once again utilizing your second tier entitlement is sold with an unique guideline.

The 2nd loan has a the least $144,001.

You are able to count your money charge, and that can be rolled into the loan quantity. Simply remember, you need to borrow at minimum that quantity or higher. If you’re going to borrow less, it won’t qualify being a VA loan.

I understand, that’s weird!

Keep In Mind! On the 2nd or subsequent properties, the money charge is fairly a little greater. It could be paid off drastically by placing 5% down. This may be an idea that is good!

Calculating Rental Income

Having two VA loans during the same time can be hard to pay for.

In terms of qualifying for the 2nd VA loan, you’ll cancel out your mortgage repayment in the home you develop into a lebecauseing as long as:

A lease is had by you for at the least year

You have got a protection deposit

You aren’t leasing the house to a family group member (cheating! )

Everything you cannot do is just take a cash that is positive from your own leasing home and apply that as evidence of earnings towards the purchase of one’s next home. No real matter what your rent quantity is, they simply consider that as cancelling out your mortgage repayment from the loan changing into a leasing.

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Nothin’ But Hos an’ Tricks

by Dan H

Saturday, 12 June 2010

Dan talks about “Rockstar Hypocrisy”~

A little while ago Viorica posted a link in the playpen to an article entitled

Six Things Red Dead Redemption Taught Me About (Hating) Women

.

I’ve already talked about this a bit on the playpen, so I won’t repeat myself here (so sorry if you’re reading this article in 2012 and haven’t got a clue what this is all about) but broadly I thought a lot of its criticisms were at best misguided and at worst wilfully misleading (I am still not certain it isn’t a parody, if it is it’s actually far more offensive than anything in the game).

Children of the Wasteland: A Little Gaming History

A long time ago in a galaxy far, far away a company called Black Isle released a game called Fallout 2. In America, the towns and cities of the post-nuclear world were full of dirty, ragged looking children, playing in the streets and occasionally picking your pockets.

Fallout 2, like its predecessor, was a big, open-world game, in which you could pretty much go anywhere and do anything. You could also, it being an RPG, kill pretty much any NPC in the game (there was none of this “plot flag” nonsense you get so much of nowadays) and this included the kids.

For the European release, the producers were given an ultimatum: take the kids out or make them invulnerable. Making the kids invulnerable would – so the producers thought – undermine the player’s sense of immersion, as well as the go-anywhere do-anything quality which was such a selling point of their game (this was, I think, before the days of the “Sandbox” genre proper, but “exploring the world” was a much bigger feature of RPGs back then). So they took the kids out.

You can get a patch to put them back in, and on most of my playthroughs (plays-through?) of the game I’ve left the children – umm – unmolested. On the times when I’ve played an “evil” game, however, I have sometimes had occasion to take out the odd six-year old, which earned me the “childkiller” title and stopped some of the “good”-aligned NPCs from talking to me.

Perhaps I’m just dysfunctional, but I really do appreciate the choice. Having kids in the game makes the world feel more real, having those kids be invulnerable to shotgun fire would make the game feel less real. Ipso-facto I’m glad the game gives me the option to shoot them.

Go Anywhere, Do Anything, Kill Anyone

The “go anywhere, do anything, be a saint or be a mass murdering psychopath” vibe is an integral part of a sandbox game, be it a full on GTAalike or any game with a strong sandbox element. A common criticism of Oblivion was that it wouldn’t let you kill questgivers in case you “accidentally” cut yourself off from important questlines, which was probably a sensible choice all told, but which to a lot of people felt like unnecessary handholding. After all, if I’m the kind of guy who will shoot you in the face for looking at me funny, I’m probably not the kind of guy who’ll go looking for your lost kitten.

Having the option to kill anybody means having the option to kill women. In Fable and its sequels, it’s entirely possible to spend hours of gametime luring attractive women into isolated locations and beating them to death. In Fallout 2 it’s feasible to stalk the streets of New Reno gutting prostitutes (although admittedly this will put the whole town into combat mode, which might make things slower than you’d like). If you’re going to give the player the freedom to be a psychopath (and indeed tout it as a key plank of your game even – in fact especially – if your game is ostensibly making a serious point about morality) then you have to give them the option to be a misogynist psychopath, because the only way to implement the alternative would be to have no women in the game at all, or to make them all immortal both of which would be dumb.

Of course you might reasonably ask the question of why gamers are so keen on games in which you get the option to be a mass murdering bastard in the first place, but that’s a different issue for a different time.

What I do find interesting, however, is the fact that while the sandbox genre is huge, and pretty much all of them support, as a form of emergent gameplay, the option to beat the crap out of women, it’s almost always Rockstar games that are singled out for specific criticism.

Rocking the Boat

Okay, I say “find interesting” but what I actually mean is “find relatively easy to understand, but think people are often a bit too eager to get up on their high horses about.”

Whys and wherefores aside, Rockstar games do have a greater tendency to produce violence against women as part of their emergent gameplay experience. Whether it’s killing prostitutes for a refund in GTA or throwing women on railway tracks in Red Dead Redemption there’s always one or two little bits of the game where they reward killing women just slightly more than many people feel comfortable with. You can kill prostitutes in Assassin’s Creed 2, but you don’t get a reward for doing it.

For some people, this is a deal-breaker, and I’m cool with that. For some people this is something you look sideways at, and I’m cool with that too.

But I think there’s more to it than that.

If you look at Rockstar’s big titles: Grand Theft Auto, Bully, Red Dead Redemption there’s not one of them in which you have the option of having a female protagonist. It’s a small thing, almost a trivial thing, but it matters, and its indicative of a more general problem, which is that Rockstar flat out aren’t interested in women.

Rockstar games (even Bully, to some extent) are about manly men doing manly man things in a world of manly manness. Red Dead Redemption goes one step further by being set Back When Men Were Men.

Nobody in a Rockstar game is particularly well realised except the (male) protagonist. Everybody else is a stereotype or an archetype, and like it or not, that's a big part of their appeal. A sandbox video game gains a lot of its impact from making you feel like you “are” whatever you're supposed to be. The GTA games rely on making you feel like a gangster (or possibly a gangsta) and Red Dead Redemption relies on making you feel like a cowboy in the dying days of the old west.

The thing is, these settings – particularly when painted in all their broad-strokes glory – are implicitly sexist. If you've deliberately chosen to play a game in which you're a pimpin' hos in da hood, complaining about specific instances of sexism seems redundant. Similarly, if you've chosen to play a game which is set in a gritty, violent version of the old west complaining about women not having that big a role feels a little bit like protesting too much.

Rockstar just plain aren't interested in women. They like games about men being men, with women hanging around in the background to provide whatever forms of validation the player prefers, whether that comes from saving whores or cutting them up with a hunting knife. For a lot of people, this is a deal-breaker, and it's completely reasonable for it to be a deal-breaker. Rockstar games do have a faintly skeevy attitude to women, and that faintly skeevy attitude to women is an intrinsic part of the way their games work. It's slightly less integral to the cowboy genre than the gangsta genre, but it's still the kind of setting where you expect half the women you meet to be prostitutes.

Rockstar Hypocrisy

The thing that bugged me about the Red Dead Redemption Hates Women article is that it seemed, fairly clearly, to be written by somebody that played and enjoyed the game. Specifically, it seems to be written by somebody who played and enjoyed the game and wasn't massively bothered by the game's attitude to women until it got to the point where they were actually confronted by it.

For example, the article singles out for particular criticism a random encounter in which a woman asks for your help and then, if you stop to help her, tries to steal your horse. The author seems to read this as the designers saying “OMG women are all evil bitches who will rob you blind.” This, I should note, is despite the fact that half the NPCs in the game will steal your horse given half a chance.

What the author of the article does not single out is the random encounter with a man cutting up a whore. He mentions it, in fact he makes a throwaway joke about the guy maybe “having a point” since apparently the women in Red Dead Redemption are all horse-stealing bitches anyway.

The thing is, the “guy cutting a whore” scene, from where I'm standing, is far more problematic than the “woman tries to steal your horse” scene. The latter I read as a woman doing exactly what everybody else in the damned game is doing – being a low down thieving varmint. The former on the other hand uses a violent, sexually motivated attack on a woman as an excuse to make the player feel cool.

I confess here that this is one of my pet peeves, and something I'm a little bit oversensitive to, but I am profoundly creeped out by rape/revenge narratives. It takes violence against women and makes it all about men: the bad men who commit it, and the good men who kill the bad men who commit it. Women aren't a factor – there's no consideration given to how the whore feels after you shoot the guy who's trying to cut her up (except insofar as she is grateful to you, the good man who rescued her).

Indeed looking at the article, a lot of the author's evidence for the game's “hatred” of women actually seems to come from situations in which he, personally, got angry at women in the game for not behaving how he wanted (right up to his final point being that the game apparently “hates women” because the prostitutes aren't sexy enough). He seems to take as further evidence for his position the fact that he chose to vent this frustration by shooting a woman in the head.

It is perfectly reasonable to criticise Rockstar games for presenting women as nothing but victims and whores. It is perfectly reasonable to criticise Rockstar games for glamourising misogyny. It's perfectly reasonable to criticise Rockstar for mechanically rewarding people for killing women in “funny” or “appropriate” ways. It's even reasonable to criticise Rockstar for providing an environment in which people can enact violent, misogynistic fantasies without fear of reprisal.

It's not reasonable to run around shooting prostitutes, then criticise Rockstar for letting you do it.

Themes:

Computer Games

,

Minority Warrior

~

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~Comments (

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Wardog

at 18:53 on 2010-06-12I have to say, I always enjoy Rockstar games but I think I can get away without feeling too morally uncomfortable about it because I'm a woman.

And I honestly thought that article was a hideously badly done parody...given Cracked's reputation for humour, or should that be "humour." I thought it was a poor quality satire on what somebody with no awareness whatsoever thought a feminist might find objectionable in RDR, workong from the assumption that all feminist criticism is hysterical and ignorant, of course.

In either case: I hate the article.

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Andy G

at 19:29 on 2010-06-12In Fallout, I always ended up killing quest characters because I would accidentally wander into town with a weapon out and end up having to kill everyone. It made the game incredibly dull though.

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Arthur B

at 19:34 on 2010-06-12

A common criticism of Oblivion was that it wouldn’t let you kill questgivers in case you “accidentally” cut yourself off from important questlines, which was probably a sensible choice all told, but which to a lot of people felt like unnecessary handholding.

To be fair, I always thought

Morrowind

found a really good middle ground for this sort of thing - let you kill the NPCs that give you the plot-critical quests, but if you do so you get a little message saying "You've just made the main plot unwinnable - feel free keep playing if you're cool with that, but if you're not, load a saved game". So it wasn't just unnecessary handholding, but it was handholding that represented a move away from a perfectly workable compromise.

On the main subject of the article: it's kind of depressing that it took

Saint's Row 2

to finally give you the chance to play a female protagonist in a GTA-like sandbox game. By which point Rockstar had published GTA, GTA 2, the two London expansion packs, GTA 3, Vice City, San Andreas, Liberty City Stories, Vice City Stories, GTA IV, and Bully, of which precisely 0 lets you play a girl.

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Jamie Johnston

at 19:43 on 2010-06-12

... sorry if you’re reading this article in 2012 and haven’t got a clue what this is all about...

Hello, People of 2012! You are correct, the Ferretbrain archives are much more entertaining and rewarding than the Olympic games. As a reward for your good taste, let me present for you: Viorica's

playpen post

, Arthur's

response

, Dan's

response

, Arthur's

response to Dan's response

, and that gives you the whole conversation up to the date of publication of this article.

(It was a bit of a complex process to get hold of those permalinks, though - maybe we could have them accessible from the playpen itself, as with comments?)

[Reads rest of article.]

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http://alex-von-cercek.livejournal.com/

at 22:38 on 2010-06-12Didn't the removal of the children from Fallout 2 actually keep the children in the game, just make them invisible?

So the situation became that an invisible six year old could walk up to your character, pickpocket them and then invisibly run away with your loot.

Although you could still give them primed explosives to pickpocket.

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Dan H

at 11:23 on 2010-06-13

Didn't the removal of the children from Fallout 2 actually keep the children in the game, just make them invisible?

I believe it made them invisible and non-interactable, so yeah the guys in the den would pickpocket you, but you couldn't complete the Find Johnny quest for example.

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http://puritybrown.livejournal.com/

at 11:45 on 2010-06-13My recollection is that the non-interactable-children "fix" made at least one main plot quest unsolvable unless you had either consulted a walkthrough or randomly happened to go to a place that you'd have had no reason to go to and randomly looked in the one locker that contained the object you needed. (And hadn't sold it or dropped it somewhere.)

That Cracked article was really interesting on a meta level. It looks like the author's picked up on the fact that feminist/anti-racist/etc. critiques of pop culture are a

thing

nowadays (certainly Cracked has posted a number of them), but completely failed to get why misogyny in pop culture is a bad thing or how it works. It's a pretty good imitation of the outward form of a feminist critique of pop culture, but with none of the inward essence.

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Dan H

at 17:25 on 2010-06-13

In Fallout, I always ended up killing quest characters because I would accidentally wander into town with a weapon out and end up having to kill everyone. It made the game incredibly dull though.

I've got to confess to secretly liking that element of the game. Having to remember to put your weapon away was a pain, but it added a sense of immersion.

And with that I realise I'm one of *those* gamers. I'll be complaining about fast-travel mechanics next.

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Andy G

at 17:58 on 2010-06-13@ Dan: I meant the game became incredibly dull once you just went around killing everyone, even though it let you do it. I did quite like things like that, except they did make it REALLY easy to fuck up and ruin everything (but hey, what are save games for?).

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Andy G

at 17:58 on 2010-06-13Things like that = features such as your weapons making people hostile.

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http://kingwalters.livejournal.com/

at 17:53 on 2012-10-11Thanks, JJ!

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Are you fed by your monthly electricity bill and want to slash it as abundant as doable? If yes, then you're actually at a right place. Imagine, having your own power generating machine through which a giant amount of energy can be made thus that your electricity bill will be reduced by up to seventyp.c? During this post, we will review DIY 3D Solar Panels video guide that's created by the Zak Benett. According to the current author’s claims, you'll create your own solar panels for generating small-scale energy for the house. Check out this review in detail and then make a call to buy it or not? DIY 3D Solar Panels Video Guide Overview DIY 3D Solar Panels could be a wonderful eBook that shows the various concepts for building your own solar panels so that the electricity bill will be reduced. You may get access to the step by step directions to perform home improvements with the assistance of solar use. There are thousands of happy folks who have used it and become successful in reducing their monthly bills. In order to buy this exciting eBook, you merely have to pay a one-time fee of $thirty seven that is very little when put next to the higher variety of advantages it offers to the users. Moreover, this product comes with a sixty-day money back guarantee that shows the amount of trust developer has in it. The complete package consists of DVD video series, a booklet, and free email coaching for a whole year. The technique behind this eBook is very straightforward to follow. The majority of our readers must have heard about the self-sustainable resources and the bio-homes. You may be in a position to know regarding the alternative lifestyle with the help of the DIY 3D solar panels. Product Details DIY 3D solar panels will be defined because the ingenious solution that can be put in anywhere in the home and is capable to administer energy to any or all the appliances ranging from large LED tv to the washing machines, computers, and radios. It's the proper choice to use when power lines get down thanks to the tornadoes or flood. Furthermore, it can work as a blessing to save lots of the food from obtaining spoiled throughout emergency times. This kit only desires some little area to urge installed and you can even try this in your garage. They are therefore powerful that your electricity bill will be reduced by up to seventypercent from the first month. There is not any maintenance demanded by this machine as it's very versatile. That's great! Click the button on your right and take the action now. It can help you in building manual DIY 3D solar panels that have reduced the profits of power companies. The users will get adequate electricity for lighting your complete house. Options Check out some of the good options offered during this sensible grade by grade guide:     Power up all devices: The solar panels that you will build by following this eBook are capable to power all sorts of household devices thus that you'll be able to save a nice quantity of money by reducing electricity bills.     Low amount of money: You'll get the aptitude to lightweight up a distant cabin during a remote space and don’t have to worry about paying a hefty amount of money to the electricity company.     Complete building procedure: During this guide, you will learn utterly regarding building a 3D solar panel inside sixty minutes. Furthermore, the hiding truth behind creating solar cells at a four times cheaper price will be revealed in it. You may be able to build 1000W solar cells by investing less than $a hundred.     Easy to find out language: The DIY 3D Solar Panels can give you a whole blueprint, bit by bit instructions, and color visuals for building your own 3D panels. Even a complete beginner can easily assemble the solar panels simply with this guide. This incredible guide is created by the Zack Bennet, who is called a pioneer in the sphere of DIY projects. One of the foremost amazing achievements of Bennet is building the two,500 watts solar tracking system He has used all his expertise and information to counterpoint this video guide. This eBook is a pretty simple and simple program that will teach people technique to reduce their electricity bills and acquire free from the traps of energy corporations. In simple words, you will attain the aptitude to provide your own energy at home while not any different help. This guide applies to each professional along with non-skilled individuals. Blessings There are a great selection of advantages offered by the DIY 3D solar panels that we have a tendency to have explained below intimately:     No extra value: You merely have to speculate $37 in buying this product. Once that, you don’t need to stress about the breakdowns, clouds, maintenance costs and any other connected thing.     60-day cash back guarantee: You may get the whole liberty to strive this product with the sixty-day cash back guarantee. Although it's guaranteed that you'll likely to determine a important drop in your electricity bills. However, if it doesn’t happen due to any reason, you are entitled to get your money back. The refund will be issued at intervals one working day while not any further queries asked.     Add safety: Putting in solar panels at your house will provide safety to your family as you may never lose access to the ability. No matter, how important the emergency things is, your home will light up.     Small & Portable: The manual solar panels that you may build by following this guide is very little and transportable that creates it good for traveling and emergency conditions.     Expert Guidance: The author of this beautiful awesome guide is Zak Bennett, who has years of experience during this industry. You may get a probability to work beneath the steerage of a renowned name after buying this guide.     Affordable program: You simply have to pay a small quantity of just $thirty seven for purchasing this excellent guide. This makes it a fairly profitable investment because of the long list of advantages it offers. Disadvantages Have a look at the key disadvantages offered by the DIY 3D Solar Panels guide for the users:     Demands correct precision: In order to induce the right results, you have to follow all the instructions fastidiously in an correct manner.     Online availability: The DIY 3D Solar Panels is only offered online and that’s why you'll’t get it within the physical stores. There are several folks who may find it disappointing because they like to read within the laborious copy format. Conclusion To conclude, we have a tendency to will say that DIY 3D Solar Panels is a wonderful investment for powering your home at a fairly affordable price. You can scale back your monthly electrical bills to a important level by putting in the solar panels in your home. This guide will offer you the whole knowledge regarding building this device on your own while not any assistance. The people who are looking to urge free from the lure of the energy firms ought to buy this program currently. The factor that makes it even higher is the danger-free sixty-day cash back guarantee. You can attempt this program for almost two months to understand about its worthiness. Considering the positive characteristics of this program, we will undoubtedly suggest the DIY 3D Solar Panels video guide to our readers.

[frozenfoods]

Diy 3d Solar Panels Review

Diy 3d Solar Panels Review

Diy 3d Solar Panels Review

Diy 3d Solar Panels Review

Diy 3d Solar Panels Review

https://www.youtube.com/watch?v=Mg9rVx6MyVk

https://www.youtube.com/watch?v=gsstR81cJ3o

https://www.youtube.com/watch?v=0MDxKXMwEOI

https://steemit.com/diy3dsolarpanelsreview/@alwaysus/diy-3d-solar-panels-review-how-to-build-a-3d-solar-panel-or-diy-3d-solar-panels

Are you fed by your monthly electricity bill and want to slash it as much as potential? If yes, then you are actually at a right place. Imagine, having your own power generating machine through which a giant amount of energy will be created so that your electricity bill will be reduced by up to seventy%? During this post, we have a tendency to can review DIY 3D Solar Panels video guide that is created by the Zak Benett. According to this author’s claims, you'll create your own solar panels for generating small-scale energy for the home. Check out this review well and then create a decision to shop for it or not? DIY 3D Solar Panels Video Guide Overview DIY 3D Solar Panels may be a wonderful eBook that shows the various ideas for building your own solar panels so that the electricity bill can be reduced. You will get access to the drop by drop directions to perform home improvements with the help of solar use. There are thousands of happy individuals who have used it and become successful in reducing their monthly bills. In order to shop for this exciting eBook, you only must pay a one-time fee of $37 that is very little when put next to the upper variety of benefits it offers to the users. Moreover, this product comes with a 60-day money back guarantee that shows the number of trust developer has in it. The whole package consists of DVD video series, a booklet, and free email coaching for an entire year. The technique behind this eBook is extraordinarily simple to follow. The majority of our readers should have heard concerning the self-sustainable resources and the bio-homes. You will be in a position to know regarding the alternative lifestyle with the assistance of the DIY 3D solar panels. Product Details DIY 3D solar panels will be outlined because the ingenious answer that can be installed anywhere in the home and is capable to relinquish energy to all the appliances starting from large LED tv to the washing machines, computers, and radios. It's the right option to use when power lines get down because of the tornadoes or flood. Furthermore, it will work as a blessing to save the food from getting spoiled during emergency times. This kit only desires some little space to urge put in and you can even do that in your garage. They are therefore powerful that your electricity bill will be reduced by up to seventypercent from the primary month. There is not any maintenance demanded by this machine as it's extremely versatile. That's nice! Click the button on your right and take the action currently. It can facilitate your in building manual DIY 3D solar panels that have reduced the profits of power corporations. The users will get adequate electricity for lighting your complete house. Features Check out a number of the sensible features on the market during this brilliant drop by drop guide:     Power up all devices: The solar panels that you'll build by following this eBook are capable to power all sorts of household devices so that you'll save a great quantity of money by reducing electricity bills.     Low amount of cash: You may get the aptitude to light up a distant cabin in an exceedingly remote area and don’t have to worry regarding paying a hefty quantity of cash to the electricity company.     Complete building procedure: During this guide, you may learn completely concerning building a 3D solar panel within 60 minutes. Furthermore, the hiding truth behind creating solar cells at a four times cheaper value will be revealed in it. You will be in a position to build 1000W solar cells by investing but $100.     Easy to find out language: The DIY 3D Solar Panels can give you a complete blueprint, little by little directions, and color visuals for building your own 3D panels. Even a whole beginner will simply assemble the solar panels simply with this guide. This incredible guide is created by the Zack Bennet, who is called a pioneer in the sphere of DIY projects. One of the most wonderful achievements of Bennet is building the 2,five hundred watts solar tracking system He has used all his experience and knowledge to enrich this video guide. This eBook may be a pretty easy and easy program that will teach folks technique to attenuate their electricity bills and get free from the traps of energy firms. In straightforward words, you'll attain the aptitude to provide your own energy at home while not any other help. This guide applies to both skilled as well as non-skilled people. Advantages There are a great variety of advantages offered by the DIY 3D solar panels that we have explained below in detail:     No additional price: You only have to invest $37 in buying this product. After that, you don’t would like to fret concerning the breakdowns, clouds, maintenance costs and any other connected thing.     60-day cash back guarantee: You'll get the whole liberty to try this product with the 60-day money back guarantee. Although it's guaranteed that you'll possible to see a important drop in your electricity bills. However, if it doesn’t happen thanks to any reason, you are entitled to induce your cash back. The refund can be issued among one working day while not any any queries asked.     Add safety: Putting in solar panels at your house can give safety to your family as you'll never lose access to the ability. No matter, how crucial the emergency situations is, your home will lightweight up.     Small & Portable: The manual solar panels that you may build by following this guide is very tiny and transportable that produces it excellent for traveling and emergency conditions.     Expert Steering: The author of this beautiful awesome guide is Zak Bennett, who has years of experience in this industry. You'll get a chance to work beneath the steering of a renowned name when buying this guide.     Cheap program: You simply have to pay a little amount of simply $thirty seven for buying this excellent guide. This makes it a fairly profitable investment thanks to the long list of advantages it offers. Disadvantages Have a study the key disadvantages offered by the DIY 3D Solar Panels guide for the users:     Demands correct precision: In order to get the right results, you have got to follow all the directions rigorously in an accurate manner.     On-line availability: The DIY 3D Solar Panels is only accessible on-line and that’s why you can’t obtain it in the physical stores. There are many individuals who might notice it disappointing as a result of they like to read in the laborious copy format. Conclusion To conclude, we can say that DIY 3D Solar Panels could be a wonderful investment for powering your home at a fairly cheap worth. You'll reduce your monthly electrical bills to a significant level by putting in the solar panels in your home. This guide can offer you the entire data regarding building this device on your own without any help. The individuals who are looking to get free from the lure of the energy companies should get this program currently. The factor that produces it even higher is the risk-free 60-day cash back guarantee. You can attempt this program for almost 2 months to understand about its worthiness. Considering the positive characteristics of this program, we tend to will definitely recommend the DIY 3D Solar Panels video guide to our readers.

[tornadorojo5]

Top 10 Dumbest Promotional Mistakes that Made Companies Lose Millions Marketing going Wild

If you are a small business owner and get angry because of that small Facebook Ad you paid for $5 didn't work all that well, well, imagine that you are one Chief Marketing Officer, working for a "Blue Chip" company and realize that instead of making the company money, his marketing mistake actually cost his company millions.

So here it is, the Top 10 Dumbest Promotional Mistakes that Cost Companies Millions!!!

Number 10: Apple-U2 Giveaway

You would have probably heard of this one, the story that made U2 part of the meme world for years to come, but just in case you don't know, let's go ahead and explain it a bit.

Back in the year 2014, some genius at Apple, Inc came up with the idea that people would love to have their new product prepackaged with an album that no one really cares about. At this point, you might think, "well, just a simple give away, what is wrong with that.?" well, aside from the annoyance it caused for people logging into iTunes for their very first time, there is also a mythological thing called "Royalties." So Apple, Inc paid an undisclosed fee in royalties to U2 and also took a whopping of 100 million in marketing campaigns for the band to promote their new album. As shocking as this might seem, Apple even stepped in to defend the promotion and the band which clearly led to a bunch of undesirable responses within various online communities.

Number 9: Walkers Weather Prediction

Answer quick, when I say "British Weather" what comes to your mind.? it was RAIN, right,? well you are probably smarter than the guys running marketing for Walkers Crisp and this is how the story goes. Some genius decided that people would have fun predicting the weather if they could win a prize for it, so Walkers Crisp decided to pay their faithful customers 10 pounds if they correctly guessed where the rain will fall on a grid map of the UK, of course, they weren't that stupid as they charged everyone the cost of a bag of chips (40 pence) to have a go, but as you've probably guessed, offering a total of $25 return to anyone that can guess the climate of a country with such a predictable weather pattern is not a great deal. Rain kept pouring during the time of the promotion and Walkers bravely followed through with their promises at a great cost. After the contest was over, Walker Crisp had to pay nearly 700,000 pounds to cover the entire contest but to be honest, you can conclude that it ended up working well as a marketing promotion since it made people remember the name "Walkers Crisp" for years to come.

Number 8: Ballon Fest in 1986 in Cleveland

For some people, the word "balloon" would cause them to have a flashback to the time United Way decided to release 1.5 million balloons over Cleveland and screwed up miserably. The whole stunt had a neat little idea behind it, since they basically wanted to do a little fundraising and grab the town's attention for a while, so they built a giant box the size of one city block and had 2500 students do the balloon filling while they waited for the crowds to gather. Once the launch started, it was one of the most beautiful things you could see, that is, for about 2 minutes, you see, nobody actually accounted for the fact that wind exists and therein lies their downfall...literally. The 1.5 million balloons started falling into the ground causing massive damage, the clogged the streets, waterways and pretty much every nook and cranny in town. If this wasn't bad enough, the balloons were blamed for the death of 2 fishermen who were found drowned 2 days later after the balloons interrupted coast guards in their attempt to rescue them, in fact, one of the fishermen wive's sued the company for 3 million dollars but settle for an undisclosed figure.

In the aftermath, United Way ended up paying millions to the city and the cleanup crews, not to mention settling several lawsuits from not a few citizens who were damaged by the balloons. 

To think that the Persians in the "300" movie used arrows to bot out the sun, what a waste, they should have just gotten United Ways to plan their attack and doomed the Spartans to a certain death.

Number 7: Jagermeister's Pool of Death

If you think the title is a bit too much, as you read on you will realize that is not far from the truth. This goes again to show that the marketers sometimes ignore the basics. So let's go a little into chemistry, some genius in the marketing team department decided that they'll make a gigantic pool party for Jagermeister's drunken fans, which I must admit, it was a great start, but then they wanted to have a lot of fog above the pool for that added effect which again, should be a plus to the sick party, however, what was not nearly nice was the liquid nitrogen they used to create the fog by pouring it into the water. Now, this is where everything goes to hell, the liquid nitrogen basically made an unbreathable fog above the whole area when it came into contact with the water and the marketing team must have been shocked big time upon realizing that humans need air to survive. This whole event was a mess and actually left one party-goer in a coma while hospitalizing 8 others. Jagermeister never actually disclosed. Now I realize that you need to see this by yourself so, here it is.

Jagermeister never actually disclosed how much they had to cough up for this mistake, but considering that they put someone in a coma, we can assume that it was a lot. Just goes to show, if you want to play smoke on the water, don't go happy on the chemicals.

Number 6: The Energizer Bunny

How can a cute little bunny screw up a company that much.? well, to answer that, go ahead and tell me the brand of the batteries in your remote. I bet you don't have a clue, and that was what the marketing team of energizer realized after it was a bit too late. While the bunny is actually a cute little mascot and it's probably known amongst the young whippersnappers of my readers, you can't really pull off that kind of marketing for something like a battery. The campaign was successful for sure, but the problem was that the actually managed to advertise their competitor in the battery field.

Duracell released a report after the Energizer Bunny first aired showing that their profits had actually doubled at that time because people thought that the bunny was advertizing Duracell, in fact, it worked so well that Duracell uses a bunny as their mascot now.

Now, as you may see, while the company didn't lose money, directly, the drastic drop in sales and all that money wasted on promoting your competitor is enough of a burn to make sure that they are more careful next time.

Number 5: The Tesco Math Problem

Tesco is praised for being a fairly cheap place to go shopping in the UK, but after this marketing failure, you might think that it's just because they really suck at math. Back in the year 2011, Tesco decided to do a special little promotion to outdo its competitor ASDA. Basically, it was the whole: "we will refund you twice the difference if our competitors item is cheaper." Tesco sadly forgot that most people go to school and know basic operations and count, and even if they didn't, they managed to learn on the way, so all its customers got savvy by only buying items that were on sale at ASDA, so they could go to Tesco, buy the same items on sale at ASDA and then after checking out they'd request double the difference by refering to ASDA website. For example, 1 shopper spends 200 pounds on Tesco in a shop that would have cost 120 pounds on ASDA (on sale products), so he or she is entitled to claim a 160 Pound voucher, therefore, Tesco is actually receiving 40 dollars for all that shopping.

You can see that doing this multiple times would save you a whole lot of money at the expense of Tesco. While this was a monetary and marketing catastrophe for Tesco, you have to give them props, they actually made a promotion that ended up being great for its customers...(dumb asses).

Number 4: Oprah and KFC

As we all know, Oprah is the omnipotent master of our destinies, so when she offers people a free KFC 2 piece meal, we all jump to get it, so why was it such a catastrophe.? Well, you can imagine that KFC was not all that pleased when people managed to print out over 10 million free food coupons from Oprah's website. During the time of the promotion, KFC gave away over 40 million dollars worth of free food and probably paid Oprah and an obscene amount of money to get her to do the promotion for them. No need to say that KFC will not be contacting her anytime soon.

Number 3: Silo...Bananas for Stereo

Now, this one didn't cost a lot of money but it was really stupid on the marketing side. So the same old formula comes to play, 

savvy customers + dumb exchange = price

Silo, a chain of electronic stores decided that a dumb exchange item would be bananas and the prize would be a stereo. Imagine their surprise when after the whole thing settled, they ended up with 11,000 bananas in their warehouse and a lot of stereos given away for around 40 dollars. So the only way to go is being nice and giving away all the bananas to the local zoo. Still, it kind of makes you think how wasted you have to be to come up with an idea like that in the first place.

Number 2: Mc Donalds Olympics

Well, pairing McDonald's with something that requires you to be fit, is a bit weird, but it gets weirder fairly quickly.

During the Olympics of 1984, McDonald's had a catchy slogan "If the U.S wins, you win." They included a ticket you could scratch on every meal and you would win a Big Mac for a gold medal, french fries for silver and a coke for a bronze medal in the event that was on the ticket. The problem was that the Soviets boycotted the Olympics and the USA ended up with 83 gold medals, 61 silvers and 30 bronze.

Basically, Mc Donald's lost a huge pile of money because the Russians were too lazy to compete. It seems that Russia can screw American businesses, even without the hackers.

Number 1: Lucky Number 349 by Pepsi

Riddle me this, what happens when you over estimate the powers of numbers.? If your answer was extreme riots and lawsuits, you probably work for Pepsi. Back in 1992, Pepsi had its "Number Fever" promotion and promised to give away 1,000,000 pesos, the equivalent to 40,000 US dollars to one lucky person with the right number on its bottle cap, the problem was that they had accidentally printed the winning number, 349, on 800,000 caps, due to an oversight in the manufacturing process. Consequently, they accidentally promise to give away a total of 55 billion of today's dollars. So people calmly understood the mistake and caused no trouble...Hell no!! people got furious, thousands of Filipinos began writing on the streets, demanding that Pepsi paid their rightful prize, which now totaled in millions. People even filed 689 civil suits and more than 5200 criminal cases for fraud and deception. However, Pepsi wasn't entirely at fault. It is believed that this marketing failed was caused by DG consultors, a Mexican consulting firm that Pepsi had hired to randomly pre-selecting the winning numbers which were clearly instructed not to make the number 349 a winner but, they clearly didn't read the memo.

Obviously with such a costly mistake, Pepsi couldn't affort to pay everyone, instead settled on giving just under 2000 US dollars, so Pepsi ended u paying nearly 10 million dollars for the whole campaign, rather than the original budget of 2 millon dollars.

Till next time friends, 

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[zanytimetravelenthusiast-blog]

ConversioWidgets Review

ConversioWidgets Testimonial - Are you searching for even more knowleadge concerning ConversioWidgets? Please go through my honest review concerning it prior to selecting to examine the weaknesses and also strengths of it. If you buy ConversioWidgets with my link, you will certainly get unique and attractive incentive packages. I constantly update my benefits daily.

Introducing ConversioWidgets

11 Web Design Concepts that Will Increase Your Conversion Price (Component 1)

Do you want to boost conversions on your internet site? As clever online marketers recognize, your style can make all the difference. In this message, we'll share 11 web design concepts that will enhance your conversion rate.

Several marketing experts harp on the relevance of SEO, social media, creating lead magnets that convert and so on, yet building an excellent website to begin with is so usually overlooked. While all of these parts do issue, your website design isn't just a "attractive face." Website design can really make or damage your conversion rates.

According to research study from Stanford University, 46.1% of people say a site's style is the top standards for making a decision if a firm is credible or otherwise. So it's incredibly essential that your design looks professional.

Whether or not your internet site is aesthetically pleasing also plays a huge duty in conversion price optimization. Offered 15 minutes to eat content, two-thirds of people prefer to review something beautifully developed than something plain (according to Adobe). So if you desire people to read your article, they require to look appealing.

But that's not all. If your website is unattractive, individuals will in fact leave your website altogether. 38% of individuals, to be exact. That's a whole lot of shed leads!

So despite whether or not layout is your strong suit, you can not afford to neglect it. Find out and also comply with website design principles, employ a consultant, employ a designer, or do whatever it takes!

To begin with, here are a handful of vital website design principles that will give you an immediate and lasting increase in conversions.

Tabulation

Follow Hick's Regulation

Utilize the Guideline of Thirds

Regard Users' Patience

Usage Negative Area

Think about F-layout

Color Matters

Keep in mind to K.I.S.S.

Use the 8-Second Rule

Keep In Mind the Gestalt Resemblance Concept

Use Deals With to Increase Experience

Source High-grade Pictures

1. Follow Hick's Legislation

Hick's Legislation is a prominent concept that's pointed out by a variety of individuals for different functions but is frequently referenced in terms of web design. Named after British psycho therapist William Edmund Hick, the legislation mentions that the time it considers an individual to choose is directly in proportion to the possible choices he or she has.

Simply put, by enhancing the number of options, the choice time is likewise raised.

HicksLawgraphImage using Usabilla

You may have become aware of the popular study by psycho therapists Sheena Iyengar and Mark Lepper where they found that a screen table with 24 ranges of jam drew in much less rate of interest than a table presenting just 6 varieties of jam. In fact, people that saw the bigger display screen were only one-tenth as likely to acquire as individuals that saw the little display screen!

That is an example of Hick's Law at work: action is lost in proportion to the variety of choices being presented.

Boost Conversions by Restricting Decisions

In regards to website design principles, you can improve conversions by restricting the number of selections customers have. The first thing that comes to mind when considering where to reduce on the variety of selections on your internet site is the navigation bar. Clearly, you do not wish to have way too many links to pick from, otherwise, the individual will lose interest in them altogether.

Simply put, do not do this:

OverstockNav

However, Hick's Legislation does not quit there. Think about all the many different vital decisions that individuals have to make on your website, in addition to just which navigation web link to press.

Right here are just a couple of:

Making a decision whether to make use of the navigating bar or scroll down the page much more Skimming the headings to see which blog post to read

Deciding whether to download your lead magnet, share your article on social networks, or leave a comment

Selecting in between making a purchase, reading item testimonials, or surfing for more products

These only just scratch the surface of the huge selection of choices that your individuals have to make. It's normal to really feel overwhelmed trying to figure out where to start reducing on these choices, nevertheless, there is a basic method to utilize Hick's Legislation in a pinch ...

ConversioWidgets Evaluation & Review

Supplier: Chris X et al

Product: ConversioWidgets

Launch Date: 2019-Nov-11

Introduce Time: 9:00 EST

Front-End Rate: $37

JV Page: https://www.socialleadfreak.com/conversiowidgets-review/

Particular niche: Software program

What Is ConversioWidgets?

ConversioWidgets is a cloud-based "AI" software which utilizes a range of widgets to increase sales, leads and also conversions.

It's created to increase the conversions of virtually any site.

Associate Evaluation Sites

List-Building Pages

Benefit Pages

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Sales Letters

eCommerce Websites

Local Organisation Sites

Webinar Enrollment Pages

Consultancy Internet sites

Freelance Internet site

Practically ANY Site you can think of.

It makes use of the brand-new concept of "push marketing".

"Push advertising and marketing" exploits three effective concepts of purchaser psychology:

shortage

necessity

as well as the worry of losing out.

Websites like booking.com send out smart "push notifications" to their site visitors.

They make use of genuine website information as well as AI to send these notifications at the perfect time.

They order their visitors' interest and also wisely "push" them into activity.

Over the last 2 years we have actually developed 17 different widgets including:

A widget to automatically convert your returning site visitors

A widget to identify and immediately transform "hot" site visitors (through our AI algorithm) right into leads, e-mail clients or sales

A widget to instantly convert your most involved site visitors (based on a number of variables)

Widgets to increase your conversions with geo-targeting social evidence widgets which shows your current purchasers or action-takers.

Our unique "Blog widget" to blog straight right into any internet site! (Perfect for any individual with multiple websites that wants to create totally free website traffic between their sites)

A widget which determines your site visitor's operating gadget as well as confirms compatibility with your product or service

A widget which includes a personalized "hello there bar" to your web site (beneficial for notifications or sending traffic to another web page or website). as well as many more!

Any type of personalization of particular widgets (for example adding a buy link to an offer, changing the design or including customized text) can be done extremely easily.

ConversioWidgets comes with a full business certificate permitting the client to offer our widgets as well as keep all the earnings.

The very best angle to position this to your clients is:.

Get extra leads, sales and bookings from your internet site

Construct an e-mail listing faster

Create cost-free web traffic (focused on consumers with numerous internet sites)

PRO

100% Rookie Friendly "Button" Technology

Functions With ANY Internet site

Utilizes NEW & Revolutionary "AI Widget" Modern Technology

Ventures BRAND-NEW Concept Of "Push Advertising and marketing"

Cloud-Based Software Program Compatible With Any Device

Consists Of FULL Commercial Permit With PRO Version

Just How Does ConversioWidgets Job?

It's extremely easy to use and also any individual can get going with ConversioWidgets on their Web site in 3 simple steps:.

Step 1: Just inspect a box to choose one or more of our 17 widgets.

Action 2: Then click to produce the widget code.

Step 3: As well as ultimately copy as well as paste the code on your Web site.

Final thought

" It's A Great Deal. Should I Invest Today?"

Not only are you obtaining access to ConversioWidgets for the best cost ever used, yet additionally You're investing totally without risk. ConversioWidgets includes a 30-day Refund Warranty Plan. When you choose ConversioWidgets, your fulfillment is guaranteed. If you are not totally satisfied with it for any kind of factor within the first one month, you're entitled to a complete refund-- no doubt asked. You have actually obtained absolutely nothing to shed! What Are You Awaiting? Try It today and also get The Complying with Perk Currently!

Ps: If you have any questions you want to ask me concerning ConversioWidgets or you merely want to present your sensations as well as thoughts regarding it. Please feel free to relay your comments, ideas or corrections., I will certainly answer you wholeheartedly as well as attentively. Many thanks!