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dayaxwriter · 1 year ago

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Are education expenses tax deductible ?

Outline:

Introduction

Understanding Tax Deductions

What Are Tax Deductions?

Common Tax Deductions

Education Expenses and Tax Deductions

Eligible Education Expenses

Qualifications for Tax Deductions

The American Opportunity Credit

Who Qualifies for the American Opportunity Credit?

How Much Can You Claim?

The Lifetime Learning Credit

Who Qualifies for the Lifetime Learning Credit?

How Much Can You Claim?

Tuition and Fees Deduction

Who Qualifies for the Tuition and Fees Deduction?

How Much Can You Claim?

Student Loan Interest Deduction

Who Qualifies for the Student Loan Interest Deduction?

How Much Can You Claim?

Employer Tuition Assistance

Tax-Free Educational Assistance

Limits on Employer-Provided Education Benefits

Educational Savings Accounts

Coverdell Educational Savings Account (ESA)

529 Plans

Tax Deductibility of Work-Related Education

Qualifying Work-Related Education Expenses

Exceptions and Limitations

State Tax Deductions for Education Expenses

State-Specific Deductions and Credits

Researching State Tax Laws

Recordkeeping and Documentation

Importance of Proper Documentation

Retaining Education Expense Records

The Impact of Income on Deductibility

Phase-Out Limits for Education Expenses

Other Education-Related Tax Benefits

Student Loan Forgiveness Programs

Employer Student Loan Repayment Assistance

Tax Deductibility of Education Expenses for Self-Employed Individuals

Conclusion

Are Education Expenses Tax Deductible?

Education is a vital aspect of personal and professional growth, but it can also come with a hefty price tag. As individuals pursue higher education, the question of whether education expenses are tax-deductible becomes essential. In this article, we will explore the various tax deductions and credits available to help alleviate the financial burden of educational pursuits.

Understanding Tax Deductions

What Are Tax Deductions?

Tax deductions are specific expenses that taxpayers can subtract from their total income, ultimately reducing the amount of income that is subject to taxation. Deductions lower the overall tax liability, resulting in potential tax savings for eligible individuals.

Common Tax Deductions

Before delving into education-related deductions, it's essential to understand some common deductions available to taxpayers, such as:

Ø Home mortgage interest

Ø Charitable contributions

Ø Medical expenses

Ø State and local taxes

Ø Retirement contributions

Ø Education Expenses and Tax Deductions

Eligible Education Expenses

The Internal Revenue Service (IRS) allows taxpayers to claim certain education expenses as deductions or credits. Eligible expenses often include:

· Tuition and fees for enrollment

· Books, supplies, and required course materials

· Necessary equipment for courses

· Qualified educational software

· Qualifications for Tax Deductions

To qualify for education-related tax deductions, certain criteria must be met. Generally, the education must be for the taxpayer, their spouse, or a dependent. Additionally, the expenses should be related to enrollment in an eligible educational institution.

The American Opportunity Credit

§ Who Qualifies for the American Opportunity Credit?

The American Opportunity Credit is a tax credit that offers substantial financial assistance to eligible students pursuing higher education. To qualify, students must be pursuing a degree or other recognized educational credential and be enrolled at least half-time in their program.

§ How Much Can You Claim?

As of the time of writing, the American Opportunity Credit allows eligible taxpayers to claim up to $2,500 per student per year for the first four years of post-secondary education.

The Lifetime Learning Credit

o Who Qualifies for the Lifetime Learning Credit?

Unlike the American Opportunity Credit, the Lifetime Learning Credit is available to both undergraduate and graduate students, as well as those pursuing professional degrees or taking classes to acquire or improve job skills.

o How Much Can You Claim?

As of the time of writing, the Lifetime Learning Credit permits eligible taxpayers to claim up to 20% of the first $10,000 of qualified education expenses, resulting in a maximum credit of $2,000 per tax return.

Tuition and Fees Deduction

Ø Who Qualifies for the Tuition and Fees Deduction?

The Tuition and Fees Deduction allows eligible taxpayers to deduct qualified education expenses even if they do not itemize deductions on their tax return.

Ø How Much Can You Claim?

As of the time of writing, eligible taxpayers may deduct up to $4,000 from their taxable income.

Student Loan Interest Deduction

I. Who Qualifies for the Student Loan Interest Deduction?

Taxpayers who have taken out student loans to cover qualified education expenses may be eligible for the Student Loan Interest Deduction.

II. How Much Can You Claim?

As of the time of writing, eligible taxpayers can deduct up to $2,500 of student loan interest paid throughout the tax year.

Employer Tuition Assistance

i. Tax-Free Educational Assistance

Employers may offer tuition assistance to employees as part of their benefits package, and in some cases, this assistance may be tax-free up to a certain limit.

ii. Limits on Employer-Provided Education Benefits

While employer-provided tuition assistance can be advantageous, there are specific limitations to be aware of, such as the maximum amount of tax-free assistance allowed per year.

Educational Savings Accounts

· Coverdell Educational Savings Account (ESA)

Coverdell ESAs are tax-advantaged accounts designed to help families save for education expenses.

· 529 Plans

529 Plans are state-sponsored savings plans that offer tax benefits for qualified education expenses, including tuition, books, and room and board.

Tax Deductibility of Work-Related Education

§ Qualifying Work-Related Education Expenses

Expenses related to education undertaken to maintain or improve skills needed in one's current employment or to meet the employer's requirements may be tax-deductible.

§ Exceptions and Limitations

The IRS imposes certain exceptions and limitations on work-related education deductions, which taxpayers should be aware of.

State Tax Deductions for Education Expenses

o State-Specific Deductions and Credits

Apart from federal deductions and credits, some states offer additional tax breaks for education expenses.

o Researching State Tax Laws

It is essential to research the specific tax laws in your state to determine the available deductions and credits related to education expenses.

Recordkeeping and Documentation

ü Importance of Proper Documentation

Maintaining accurate and detailed records of education expenses is crucial when claiming tax deductions or credits.

ü Retaining Education Expense Records

Taxpayers should keep all relevant documents, including tuition statements, receipts, and enrollment records, to support their claims.

The Impact of Income on Deductibility

* Phase-Out Limits for Education Expenses

The availability of certain education-related deductions and credits may be affected by the taxpayer's income level.

Other Education-Related Tax Benefits

Ø Student Loan Forgiveness Programs

Certain federal student loan forgiveness programs may offer tax-free forgiveness of the remaining loan balance.

Ø Employer Student Loan Repayment Assistance

Some employers may provide student loan repayment assistance as an employee benefit.

Ø Tax Deductibility of Education Expenses for Self-Employed Individuals

Self-employed individuals may be eligible to deduct qualified education expenses as business expenses.

Conclusion

Education is a lifelong pursuit that comes with various costs, but the good news is that there are several tax deductions and credits available to help ease the financial burden. From the American Opportunity Credit to employer tuition assistance and state-specific benefits, exploring these options can make a significant difference in managing educational expenses.

Now, take advantage of the tax benefits and invest in your future. Maximize your potential, both personally and professionally, through the power of education.

FAQs

Can I claim tax deductions for my child's education expenses?

Yes, you may be eligible to claim certain education-related deductions or credits for your child's education expenses, depending on your circumstances.

Are student loan interest payments always tax-deductible?

No, the deductibility of student loan interest payments depends on various factors, including your income and filing status.

Can I claim education expenses if I am attending school part-time?

Yes, in some cases, you may still be eligible to claim education-related tax benefits while attending school part-time. Be sure to review the specific requirements for each credit or deduction.

What is the difference between a tax deduction and a tax credit?

Tax deductions reduce your taxable income, while tax credits directly reduce the amount of taxes you owe.

How do I know if my state offers additional education-related tax benefits?

You can visit your state's official tax website or consult with a tax professional to understand the specific education-related tax benefits available in your state.

#Are education expenses tax deductible ?#Outline:#Introduction #Understanding Tax Deductions #What Are Tax Deductions?#Common Tax Deductions #Education Expenses and Tax Deductions #Eligible Education Expenses #Qualifications for Tax Deductions #The American Opportunity Credit #Who Qualifies for the American Opportunity Credit?#How Much Can You Claim?#The Lifetime Learning Credit #Who Qualifies for the Lifetime Learning Credit?#Tuition and Fees Deduction #Who Qualifies for the Tuition and Fees Deduction?#Student Loan Interest Deduction #Who Qualifies for the Student Loan Interest Deduction?#Employer Tuition Assistance #Tax-Free Educational Assistance #Limits on Employer-Provided Education Benefits #Educational Savings Accounts #Coverdell Educational Savings Account (ESA)#529 Plans #Tax Deductibility of Work-Related Education #Qualifying Work-Related Education Expenses #Exceptions and Limitations #State Tax Deductions for Education Expenses #State-Specific Deductions and Credits #Researching State Tax Laws

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batboyblog · 4 months ago

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Things the Biden-Harris Administration Did This Week #29

July 26-August 2 2024

President Biden announced his plan to reform the Supreme Court and make sure no President is above the law. The conservative majority on the court ruled that Trump has "absolute immunity" from any prosecution for "official acts" while he was President. In response President Biden is calling for a constitutional amendment to make it clear that Presidents aren't above the law and don't have immunity from prosecution for crimes committed while in office. In response to a wide ranging corruption scandal involving Justice Clarence Thomas, President Biden called on Congress to pass a legally binding code of ethics for the Supreme Court. The code would force Justices to disclose gifts, refrain from public political actions, and force them to recuse themselves from cases in which they or their spouses have conflicts of interest. President Biden also endorsed the idea of term limits for the Justices.

The Biden Administration sent out an email to everyone who has a federal student loan informing them of upcoming debt relief. The debt relief plan will bring the total number of a borrowers who've gotten relief from the Biden-Harris Administration to 30 million. The plan is due to be finalized this fall, and the Department of Education wanted to alert people early to allow them to be ready to quickly take advantage of it when it was in place and get relief as soon as possible.

President Biden announced that the federal government would step in and protect the pension of 600,000 Teamsters. Under the American Rescue Plan, passed by President Biden and the Democrats with no Republican votes, the government was empowered to bail out Union retirement funds which in recent years have faced devastating cut of up to 75% in some cases, leaving retired union workers in desperate situations. The Teamster union is just the latest in a number of such pension protections the President has done in office.

President Biden and Vice-President Harris oversaw the dramatic release of American hostages from Russia. Wall Street Journal reporter Evan Gershkovich, former Marine Paul Whelan held since 2018, Russian-American reporter for Radio Free Europe/Radio Liberty Alsu Kurmasheva convicted of criticizing the Russian Military, were all released from captivity and returned to the US at around midnight August 2nd. They were greeted on the tarmac by the President and Vice-President and their waiting families. The deal also secured the release of German medical worker Rico Krieger sentenced to death in Belarus, Russian-British opposition figure Vladimir Kara-Murza, and 11 Russians convicted of opposing the war against Ukraine or being involved in Alexei Navalny's anti-corruption organization. Early drafts of the hostage deal were meant to include Navalny before his death in Russian custody early this year.

A new Biden Administration rule banning discrimination against LGBT students takes effect, but faces major Republican resistance. The new rule declares that Title IX protects Queer students from discrimination in public schools and any college that takes federal funds. The new rule also expands protections for victims of sexual misconduct and pregnant or parenting students. However Republican resistance means the rule can't take effect nation wide. Lawsuits from Republican controlled states, Alabama, Alaska, Arkansas, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Montana, Nebraska, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia and Wyoming, means the new protections won't come into effect those states till the case is ruled on likely in a Supreme Court ruling. The Biden administration crafted these Title IX rules to reflect the Supreme Court's 2020 Bostock case.

The Biden administration awarded $2 billion to black and minority farmers who were the victims of historic discrimination. Historically black farmers have been denied important loans from the USDA, or given smaller amounts than white farmers. This massive investment will grant 23,000 minority farmers between $10,000 and $500,000 each and a further 20,000 people who wanted to start farms by were improperly denied the loans they needed between $3,500-$6,000 to get started. Most payments went to farmers in Mississippi and Alabama.

The Biden Administration took an important step to stop the criminalization of poverty by changing child safety guidelines so that poverty alone isn't grounds for taking a child into foster care. Studies show that children able to stay with parents or other family have much better outcomes then those separated. Many states have already removed poverty from their guidelines when it comes to removing children from the home, and the HHS guidelines push the remaining states to do the same.

Vice-President Harris announced the Biden Administration's agreement to a plan by North Carolina to forgive the state's medical debt. The plan by Democratic Governor Roy Cooper would forgive the medical debt of 2 million people in the state. North Carolina has the 3rd highest rate of medical debt in the nation. Vice-President Harris applauded the plan, pointing out that the Biden Administration has forgiven $650 million dollars worth of medical debt so far with plans to forgive up to $7 billion by 2026. The Vice-President unveiled plans to exclude medical debt from credit scores and issued a call for states and local governments to forgive debt, like North Carolina is, last month.

The Department of Transportation put forward a new rule to bank junk fees for family air travel. The new rule forces airlines to seat parents next to their children, with no extra cost. Currently parents are forced to pay extra to assure they are seated next to their children, no matter what age, if they don't they run the risk of being separated on a long flight. Airlines would be required to seat children age 13 and under with their parent or accompanying adult at no extra charge.

The Department of Housing and Urban Development announced it is giving $3.5 billion to combat homelessness. This represents the single largest one year investment in fighting homelessness in HUD's history. The money will be distributed by grants to local organizations and programs. HUD has a special focus on survivors of domestic violence, youth homeless, and people experiencing the unique challenges of homelessness in rural areas.

The Treasury Department announced that Pennsylvania and New Mexico would be joining the IRS' direct file program for 2025. The program was tested as a pilot in a number of states in 2024, saving 140,000 tax payers $5.6 million in filing charges and getting tax returns of $90 million. The program, paid for by President Biden's Inflation Reduction Act, will be available to all 50 states, but Republicans strong object. Pennsylvania and New Mexico join Oregon and New Jersey in being new states to join.

Bonus: President Biden with the families of the released hostages calling their loved ones on the plane out of Russia

#Joe Biden #Thanks Biden #Kamala Harris #american politics #us politics #politics #Russia #Evan Gershkovich #supreme court #clarence thomas #student loans #medical debt #black farmers #racism #trans students #LGBT students #homelessness #IRS #taxes

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slyandthefamilybook · 1 year ago

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since we now know that all those "my blog is safe for Jewish people" posts are bullshit, here are some Jewish organizations you can donate to if you actually want to prove you support Jews. put up or shut up

FIGHTING HUNGER

Masbia - Kosher soup kitchens in New York

MAZON - Practices and promotes a multifaceted approach to hunger relief, recognizing the importance of responding to hungry peoples' immediate need for nutrition and sustenance while also working to advance long-term solutions

Tomchei Shabbos - Provides food and other supplies so that poor Jews can celebrate the Sabbath and the Jewish holidays

FINANCIAL AID

Ahavas Yisrael - Providing aid for low-income Jews in Baltimore

Hebrew Free Loan Society - Provides interest-free loans to low-income Jews in New York and more

GLOBAL AID

American Jewish Joint Distribution Committee - Offers aid to Jewish populations in Central and Eastern Europe as well as in the Middle East through a network of social and community assistance programs. In addition, the JDC contributes millions of dollars in disaster relief and development assistance to non-Jewish communities

American Jewish World Service - Fighting poverty and advancing human rights around the world

Hebrew Immigrant Aid Society - Providing aid to immigrants and refugees around the world

Jewish World Watch - Dedicated to fighting genocides around the world

MEDICAL AID

Sharsheret - Support for cancer patients, especially breast cancer

SOCIAL SERVICES

The Aleph Institute - Provides support and supplies for Jews in prison and their families, and helps Jewish convicts reintegrate into society

Bet Tzedek - Free legal services in LA

Bikur Cholim - Providing support including kosher food for Jews who have been hospitalized in the US, Australia, Canada, Brazil, and Israel

Blue Card Fund - Critical aid for holocaust survivors

Chai Lifeline - An org that's very close to my heart. They help families with members with disabilities in Baltimore

Chana - Support network for Jews in Baltimore facing domestic violence, sexual abuse, and elder abuse

Community Alliance for Jewish-Affiliated Cemetaries - Care of abandoned and at-risk Jewish cemetaries

Crown Heights Central Jewish Community Council - Provides services to community residents including assistance to the elderly, housing, employment and job training, youth services, and a food bank

Hands On Tzedakah - Supports essential safety-net programs addressing hunger, poverty, health care and disaster relief, as well as scholarship support to students in need

Hebrew Free Burial Association

Jewish Board of Family and Children's Services - Programs include early childhood and learning, children and adolescent services, mental health outpatient clinics for teenagers, people living with developmental disabilities, adults living with mental illness, domestic violence and preventive services, housing, Jewish community services, counseling, volunteering, and professional and leadership development

Jewish Caring Network - Providing aid for families facing serious illnesses

Jewish Family Service - Food security, housing stability, mental health counseling, aging care, employment support, refugee resettlement, chaplaincy, and disability services

Jewish Relief Agency - Serving low-income families in Philadelphia

Jewish Social Services Agency - Supporting people’s mental health, helping people with disabilities find meaningful jobs, caring for older adults so they can safely age at home, and offering dignity and comfort to hospice patients

Jewish Women's Foundation Metropolitan Chicago - Aiding Jewish women in Chicago

Metropolitan Council on Jewish Poverty - Crisis intervention and family violence services, housing development funds, food programs, career services, and home services

Misaskim - Jewish death and burial services

Our Place - Mentoring troubled Jewish adolescents and to bring awareness of substance abuse to teens and children

Tiferes Golda - Special education for Jewish girls in Baltimore

Yachad - Support for Jews with disabilities

#atlas entry #please add any more you know of an especially add fundraisers for you or people you know #if there are any fundraisers for synagogues please add those as well #jew #jewish #judaism #jumblr #punch nazis

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honeytonedhottie · 2 months ago

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financial literacy continued⋆.ೃ࿔*:･👛💵

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

HOW TO SAVE MONEY ;

automatically deposit a certain percentage of ur income into ur savings account so that u dont even have to think about it

to do something more FUN tho, (at least in my opinion) is to make a challenge where u have to save every $10 dollar bill, or $20 dollar bill or whatever. just something to make saving money seem like a game if u wanna have some fun with it.

EMERGANCY FUND ;

most experts will tell u that ur emergency fund should be 3-6 months of ur needed expenses. so calculate ur needed expenses and multiply that by 6 to figure out how much you'd need to have in ur emergency fund.

PAYING YOURSELF FIRST ;

you should always put urself first in every single situation including financially. so to pay urself first simply means to put ur future and needs before anything else. FOR EXAMPLE... let's say u wanna buy an ipad by the end of the year, an ipad is $345.

lets also say that u get paid weekly, so you'd divide $345 by the number of weeks in a year (52) you'd get 6.6. so you'd have to save roughly $6-$6.50 a week which isnt a lot at all. and you'd be getting what u want.

INTEREST AND CREDIT ;

interest is like a reward that the bank gives you for trusting them to look after your money. the more money you have in your account, and the longer you keep it there, the more interest you can earn…💬🎀

so the bank calculates interest as a percentage of the total amount in a bank account. so if the bank pays a 1% interest you'll earn $1 for every $100 in ur bank account over the course of a year. so if u have $500 in ur account you'll get $5. its not a lot, but interest builds on itself.

credit is the ability of the consumer to acquire goods or services prior to payment with the faith that the payment will be made in the future…💬🎀

for example missing payment deadlines can negatively affect ur credit score. why is this important? if u wanna go to college and wanna use student loans, u might not be able to if ur credit history is bad. as ur credit history grows you'll get a credit score. the higher ur score, the better ur credit is.

BUILDING CREDIT ;

get a secured card. a secured credit card is a special type of credit card with a down payment. when you open the card, you will give the credit card company a deposit to hold. it can be as little as $100. the company holds the money for you and gives you a credit card with a line of credit equal to your deposit

sign up for victoria's secret direct paper mailers. you'll get a coupon each month for 1 free panty for every purchase. when u go to the mall, get urself a panty and a sweet treat 🧁 (DO NOT PUT ANYTHING ON THE CARD THAT U CANT IMMEDIATELY PAY OFF)

and then go home and pay ur credit card bill off, and then dont use it again until the next month.

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goldfades · 1 month ago

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YOUR BEST FAN !!! ── NICHOLAS CHAVEZ

─ summary | only fans creator with nick, what could possibly happen? ─ warnings | NSFW under the cut. oral (m. receiving), heavy praise, really rough, there's a camera involved (i think i have a thing for cameras ngl), pretty much face-fucking

─ ev's notes ! | i wanna make this a series sooooo bad omfg. also!! I AM NOT TRYING TO GLORIFY OF OR ANYTHING LIKE THAT, pls this is just fictional

free palestine carrd 🇵🇸 decolonize palestine site 🇵🇸 how you can help palestine

When you began dating Nick, you had just began your “business.” You honestly didn’t think much of it at the time—just a little side hustle to pay the your student loans and to have some extra cash for things that you liked. It wasn’t supposed to get this serious, and neither was he.

Nick was different from the start, though. Kind, caring, and completely unaware of the other side of your life. You liked it that way, at first. It was easier to keep things separate, to pretend like this secret world didn’t have to collide with his.

However, when you had realized you'd have to tell him before someone else did, it was too late. Nick had already found your secret Twitter account. You saw it in his eyes the moment he walked through the door—he knew. He didn’t have to say anything for you to feel the dread bubbling in your chest, the panic rising as you mentally prepared for the inevitable conversation.

The worst part? He recognized everything—the background, the subtle details of your room, and, of course, those familiar, sweet sounds you made when you thought no one was listening.

When he brought it up, his voice was calm but direct. “So... I found something interesting today.”

Your heart stopped. There it was. The moment you’d feared. You opened your mouth to speak, to explain, to do anything that might save this, but no words came out. You were certain he’d break up with you on the spot.

“Are you... mad?” You spoke, your voice shaky as you looked up at him. There was shame in your expression, and a little bit of anxiety, you couldn't believe he'd found it.

You thought it was done, over. Until Nick’s lips curved into a smug grin, one that caught you completely off guard.

“Mad?” Nick repeated, shaking his head as he kneeled in front of you. “No, baby. No, not at all.”

You blinked in disbelief, searching his face for any sign of anger or disappointment, but all you found was that same possessive glint in his eyes, the one that sent a thrill down your spine. He was calm, way too calm, and that only made your heart race faster.

“If anything,” Nick continued, his voice low and steady, “I think it’s kinda hot. Knowing they can all watch, but they can’t touch. Not like I do.” His hand slid up your thigh, making your breath hitch. “They can’t make you feel the way I do.”

You swallowed hard, still trying to process what was happening. This wasn’t the reaction you expected at all. In fact, it almost felt like he enjoyed the power of it, the idea that while others watched from a distance, he was the only one who truly knew you, who had you.

The iPhone flash was bright as you blinked, trying to adjust to the sudden light. You were in the car with Nick, driving home from a date night when he suggested the idea. “What if I joined you, in one of the videos?”

That was you ended up in the backseat, in between Nick's legs. The car was parked in an empty parking lot, and you really hoped that nobody was around. However, the thought of getting caught sent a nervous thrill down your spine.

“Look at me,” he instructed, his voice firm but laced with that same cocky confidence from earlier. The phone in his hand hovered just above your head, framing you perfectly in the shot.

Your heart raced as you met his eyes, a mix of nervous energy and excitement coursing through you. He had a way of making you feel completely exposed, and not just physically. This wasn’t like your usual videos—it was different. There was something about him behind the camera that made it feel so much more intimate.

“That’s it,” Nick murmured, shifting the angle slightly as his eyes flickered between the screen and you. “You look so good like this, baby. Don’t be shy.”

God, your pussy was soaked already. You couldn't help but let out a small moan as your hands reached up toward his thighs, gripping them tightly as your lips curved into a smile.

His thighs tensed under your grip as you leaned back against him, your body instinctively seeking the comfort of his touch. The intimacy of the moment—his presence, the weight of his gaze, the phone capturing everything—felt so much deeper than any other time you’d recorded.

You pulled down his shorts and boxers easily, and you heard him let out a satisfactory moan. You blinked up at the camera again, the smile still evident in your soft features. His cock was in frame now, it was mouth-watering to look at; his tip was leaking with pre-cum, the color was a deep shade of red.

Nick’s free hand found its way to your heads, his fingers curling into your hair, sending a shiver through you. “That’s my girl,” he praised softly, his voice a mix of admiration and possessiveness. “Go ahead, baby. Don't get all shy now,” he let out a dark chuckle as he pushed your head further down.

The feeling of his tip brushing against your lips made your stomach squeeze in anticipation. You opened your mouth, humming at the familiar taste of him as you blinked up at the camera. You could feel the heat pool between your legs as you took more of him in your mouth, his head falling back as he let out a sharp grunt.

The grip he had in your hair tightened as he pulled your head up and down, just how he liked it. You let out broken moans, muffled by his cock as your gripped his thighs. Your eyes were watering as his tip began hitting the back of your throat repeatedly, making you gag.

But Nick wasn't in the mood to be slow tonight, not at all. And you didn't mind one bit. “Fuck, yeah,” he groaned as he felt your moans vibrate against his cock. He moved the camera to get a closer look at your face—your makeup was all running, your hair was a mess.

And you still looked so fucking sexy.

The fact that you were doing this here, in the backseat of his car in an empty lot, only heightened the sensation for him. It felt risky, thrilling, and yet entirely safe with Nick.

He continued his assault on your throat, his moans echoing in the car before pulling you off abruptly. You opened your eyes, breathless as you gazed up at the camera. Your breath hitched when his hand slid from your hair to your jaw, tilting your face slightly toward the camera. The lower half of your face was completely covered in salivia and pre-cum, the sight almost orgasmic to Nick.

He let out a soft moan at that, before pushing you back onto his cock, continuing with the same brutal pace. His grip in your hair was almost too tight, it was almost painful but the sounds of his praise and moans kept you going.

“That’s it,” Nick grunted loudly, clearly satisfied, his voice growing even lower. “All fucking mine.”

With one last thrust into your warm mouth, Nick was spilling into your mouth as you moaned loudly against his cock. The taste was heavenly and you did your best to swallow all of it, savoring it. After a few seconds he pulled you off his cock, taking you in with all your glory.

Your eyes were red, your make-up was running down your fucked-out eyes, lips all red and wet, and your face was covered in saliva. He loved when you got sloppy, it was his favorite sight in the whole word.

Nick’s hand moved from your hair, fingers gently grazing your skin before settling on your cheeks, gripping them sightly. He tilted your face toward the camera with a deliberate touch, his thumb brushing your lips. “Give me that smile,” he murmured, his tone soft yet commanding.

You felt the heat rise in your chest, and despite the tension, a small smile tugged at your lips. Your eyes met his, locking onto the intensity of his gaze.

“That’s my pretty girl,” Nick whispered, his voice dropping into something even deeper, almost a growl. “All mine.”

↳ make sure to check out my navigation or masterlist if you enjoyed! any interaction is greatly appreciated !

↳ thank you for reading all the way through, as always ♡

#nicholas chavez #nicholas chavez x reader #nicholas alexander chavez #nicholas chavez icons #nicholas chavez fanfiction #nicholas chavez imagine #nicholas alexander chavez x reader #smut

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elaneducationloans · 1 year ago

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For many students, taking out an education loan is a necessary step in pursuing higher education. One of the most significant factors that might affect the availability of education loans, among many others, is the choice of country and course. Check out and know how the country and course you select can impact your student loan.

#Student Loans For Studying Abroad #education loan in India for studies abroad #collateral free education loans #education loan interest rate #how to get education loan for abroad studies

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qqueenofhades · 4 months ago

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So I keep seeing people play the "Harris is a Cop, so I'm not voting for her because ACAB" card, and not even pointing out that she was a DA/Prosecutor rather than an actual cop seems to change their minds - as far as they're concerned, working with cops in any capacity makes you a cop. Do you happen to have anything that'd make for a good counterpoint to this argument (or, at the very least, something to make those of us who still plan on voting for her despite our dim views on Law Enforcement not feel so bad about it)?

....Not feel so bad about it?

First of all: these are laughably, incredibly unbelievably unserious people, and frankly, my first advice would be NOT to bother trying to engage with them at all, because there is nothing whatsoever they will ever accept in the way of logical proof to change their minds. First it was "you can't ask me to vote for Biden specifically because of [insert issue here.]" This changed a lot, from Roe getting overturned by the corrupt SCOTUS, to the train strike (hey anyone remember that?) to student loan forgiveness and then had settled firmly on Gaza. So now, lo and behold, they're given exactly what they asked for: a new younger candidate who is not Biden and explicitly more progressive on the Gaza issue (Harris was the first member of the administration to openly call for a ceasefire). So they turn their noses up, rush to their favorite 2020 disinformation founts that were first spouted when they were trying to sabotage her in favor of Bernie (who endorsed Biden pretty strongly before he dropped out), flirt with Jill "Actual Agent of Putin" Stein, and other equally expected and equally bullshit maneuvers. Lololololololol online leftists. Never change, or something.

That said: because their minds are so set that they will never vote for any Democrat ever, you can't really give them any logical information to separate them from this conclusion. I don't have the links on hand, but etc Google and Wikipedia are free: Harris's tenure as district attorney and California AG was progressive even by modern standards, and it was happening in the early 2000s: she refused to prosecute for low-level weed offenses, pushed for harder sentences for assault weapons, performed gay marriages LONG before it was legal even in San Freaking Francisco, refused to seek the death penalty, worked with restorative justice programs, etc. This was after she was a first-generation American child of brown immigrants who took advantage of equal-opportunity education programs to go to law school, and her parents were already high-achieving academics (one a cancer researcher from India and one an economics professor from Jamaica). Sure sure, she definitely seems exactly like Derek Chauvin to me. Critical thinking is great! #VoteJillStein! A literal puppet of Putin and unabashed Assad fangirl is definitely the pro-peace morally correct option here!*

In other words, the morons do not give a single shit about factual reflections of Kamala's record. They do not care about whether her time as a district attorney was progressive (it was) and whether she was actually a cop (she wasn't). They're so wedded at the hip to their braindead disinformation propaganda that now we're going to see the excuses change at lightspeed from why they can't vote for Biden specifically to why they can't vote for Harris specifically. None of it will be remotely tethered to reality and all of it will be in extreme and obvious bad faith. As I said, there are plenty of persuadable voters elsewhere who HAVE been energized by her elevation to candidacy. If you are indeed interested in winning voters to her side (as opposed to having to find reasons to justify yourself to the All Voting Is Evil crowd who will never listen to or believe you anyway), I suspect your time would be better spent elsewhere, and outside the echo-chamber leftist social media space in general.

Aside from that, I have gotten a few hand-wringy asks about Kamala and the election overall, and I gotta say, I am not going to waste my time and effort replying to them. We have about 100 days to win this election or become a fascist dictatorship. We are already in uncharted territory, but the replacement of Biden with Harris went UNIMAGINABLY smoothly, far, far more than anyone (including me) ever expected. It reminds me of the presto-chango that the French center, left, and center-left parties pulled off to replace candidates, IN FIVE DAYS, to better position themselves to defeat the fascists. Compared to that, three and a half months is a cakewalk, but we still absolutely do not, DO NOT, have time to sit around worrying and hand-wringing about this or that hypothetical Bad Thing. It deeply unsurprises me to hear that US Online Leftists are still throwing snits and pitching their toys out of the pram rather than getting on board, but the rest of us don't have any time to waste and need to apply our energy to where it will be best put to use. So yes.

*extreme, extreme sarcasm alert

#shm128iii #ask #politics for ts #kamala harris 2024 #and that's that on that!

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a-edgar-allan-hoe · 2 years ago

Text

Wild Horses

Part 1

Simon "Ghost" Riley x Female Doctor!Reader

Part 2 , Part 3 , Part 4

A/N: Just a little idea I had after seeing all the TikToks and now I am yanked onto the Ghost train. I used to watch my brother play the game but that was a while ago so bear with me here. (advice or little pointers are much appreciated). I also might make this into a short story or add another part to it, let me know y’all. Comments and reblogs are much appreciated!

Summary: Imagine being the new physician assigned to the team and a certain masked individual takes a new keen concealed interest in you. The two of you are too awkward to function.

Warnings: language, fluff, angst

You were assigned to the team as their personal physician, as requested by the higher ups in order to make sure the soldiers stayed in best health, both physically and mentally. You used to work at your local hospital before you were offered the position.

You knew the dangers and the risks involved, but you were in debt and had student loans that needed to paid. So after much hesitation, you accepted the offer, eventually being convinced by the fat paycheck.

You remembered the day you were first introduced to the team, the way everyone's eyes glued to you like a hawk, their large forms towering over your small frame in the room while you picked at the skin around your nails in nervous habit.

They were curious to say the least, wondering what the hell someone like you was doing in a place like this. And since when did they get the chance to have a full on doctor to treat them, usually they were offered combat medics. You had guts, that's for sure.

You on the other hand were nervous, frightened even, with the thought of living in the same quarters of men wrapped up within the tumults and afflictions of war without a single clue as to their current psychological state. You had seen the worst of men and humanity growing up and you no idea who these soldiers were, what they were capable of, or what their intentions might be. Maybe you should have requested that briefing before you hopped on that plane.

Amongst all of their gazes, you had failed to notice a certain masked individual in the far back of the room, his form shrouded amongst the others as he studied you. His eyes, hidden underneath the grooves of his mask that only seemed to be darkened by where he stood blocked by the only source of light, watched your every movement, from every gesture of your perfectly manicured fingers to every smoothing of the lint-free fabric of your sweater to the way you kept shifting your weight from one foot to another.

One thing was apparent; during the entire length the high ranking officer next to you introduced you and debriefed the men on what was expected and such, you had not uttered a single word, minus the small polite and somewhat strained smile on your face while your eyes told another story. Why the military truly hired you, he may never know.

After being shown your little office and workspace including your room, you were quick to settle in, decorating the area to the best of your abilities with what you had taken with you from back home in order to bring some life into the dull and two-dimensional area. If anyone questioned you on it you would just say that your own sanity is extremely vital in order to ensure quality treatment for your patients.

Once everything in your office was set up, you threw on your white coat and retreated yourself to your office space, sitting at your desk and hastily going over the files that you had completely forgotten about that were given to you regarding the soldiers' previous health before they come pouring in reporting symptoms of god knows what. Best be prepared. Jesus how many bullet wounds can a single individual have.

The soldiers were advised to do their routine physical examinations with you so the first one to come waltzing in through your office door was none other than Johnny "Soap" MacTavish, a cheeky grin plastered on his face and much too excited for his own good. That boy's got a crush on you I swear. To be honest I'd be lying if I said the whole team didn't have a schoolboy crush on you.

The men were quick to warm up to you, relieved to have a gentle soul in their midst after all the shit that goes down outside, you were like breath of fresh air. Maybe it wasn't such a bad idea to bring a doctor on board, as quiet and reserved as you were. They speculated you were just shy, the reason why you never spoke much, not knowing that you just couldn't hold a conversation if your life depended on it, especially around those you weren't close with. At first they couldn't tell because of your major rbf.

During their routine check-ups or whatever issue they had going on, they would do most of the talking, which was a good thing on your end because it helped you to piece together their temperaments. Thank the lord no one is a psycho murderer. Oh wait.

Soap is the most chattiest of them all. Boy wouldn't shut his mouth when he sat in your office. He's super flirty. But not as flirty as Alejandro.

Ghost on the other hand was reluctant to step into your office for his check-ups. After all he was usually the one to tend to his own wounds or just push through whatever it is that is going on, so he did not know what all the fuss was about in having to get his health checked. So when you call out his last name more than once might I add, clipboard in hand and scanning the area for whoever looks to be headed in your direction, he can't help but heave out a sigh, trudging over to where you stood, your clean white coat a stark contrast to the rest of the environment as you leaned against your door to hold it open.

You muttered out a small hello to which he let out a small huff as you moved aside to let the man enter, watching him walk into your office and seat himself down. That man intimidated you a bit not gonna lie. Not only could you not see his face but he had also not said a single word to you. And not to mention he was absolutely huge as compared to you, even more so in person. You also had heard a lot of stories from the other guys.

"How is your day?" You ask, shutting the door behind you as you briefly read over his previous but extremely short records on your clipboard. There's barely anything on this man. Does he not get ill?

Ghost is quiet at first, watching your eyes scan over the clipboard and curious to know just what is on those papers before your eyes flit up to meet his and catch him off guard, which causes him to answer abruptly. "Fine."

"Okey dokes." You give a quick smile.

Did you just say okey dokes.

Clearing your throat, you go over to where he sat and set the clipboard down on the table next to you beside your laptop. You didn’t have to read his body language to know he did not want to be here at all. So you were going to do him a favor and make the appointment as quick as possible.

"So do you have any allergies to any medications, any allergies I need to know of?" Your fingers hover over the keyboard of your laptop as you turn to face him, only to be met with an expressionless skull of a mask and the expressionless eyes beneath. Oh boy this session was going to be something. You had heard of how he had never shown his face, so you made sure not to question on it.

"No ma'am."

"Are you currently taking any medication?" You ask the same standard set of questions you have asked every single patient of yours, typing as you go.

"No ma'am."

Any previous illness? Disease?"

"No."

The more you ask him questions, the more he strangely finds it easier to answer. Your voice is surprisingly soft, warm even, like the start of autumn, and he finds it comforting to listen to. Or maybe it's just some technique doctors learn during training in order to relax their patients.

"Do you have any history of smoking, alcohol, or illicit drug use?"

".......sometimes I'll have a smoke, and a glass of bourbon." He's almost waiting for you to hand him a pamphlet about the dangers of smoking.

"How many times would you say?" You ask for details, your eyes still glued to the screen of your laptop as you await his answer.

Ghost is a bit confused by the amount of questions you ask, but he also has not been to the doctor's so how would he know. "Um I don't know."

"A rough estimate is fine."

"Not much, maybe 2-3 times a week or so when I'm not on duty."

"How many times a week do you exercise?" You feel silly for asking this question to a man like him but it's all part of the procedure and you almost pray he doesn't hate you for it.

"Every day." So no pamphlet?

Jesus this man has more discipline than you. You can barely get up in the morning.

"Okayyy." You mutter out, more to yourself as you enter in his responses.

Ghost finds himself watching you from his seat on the chair, his eyes tracing over and studying your features as you type away on your laptop. He thinks you're really pretty but either doesn't want to admit it or just flat out does not know that he finds you attractive.

There are certain details about you that he can't help but find himself intrigued by, like the small black outline flower tattoo on your hand that was located near the area of your thumb, running along the curve to meet the knuckle of your forefinger. He's curious as to the meaning behind it, if there was one. He wanted to ask what type of flower it was, perhaps it was your favorite? It would give him an idea as to what flowers to get you.

"Have you ever been hospitalized, had any surgical procedures done or been treated for any chronic conditions?"

"No." Ghost shakes his head before remembering his wounds from combat, wondering if that is something you should know. "Just the bullet and knife wounds from combat. Nothing too serious."

Jesus fucking christ. You were willing to bet he treated those wounds himself.

Ghost is not a fan of hospitals. Pretty sure this dude just looks up YouTube tutorials on how to fix himself instead of just going to the doctor like a normal human being.

"When was the last time you visited your general practitioner.......or just any doctor in general?" You ask the last question, willing to bet it never.

There was silence on his end as you looked towards him waiting for an answer, the clicking of your keyboard coming to a stop and only loudening the silence. Ghost could not remember the last time he had been to a hospital or even scheduled a visit. And as you looked at him, your eyes almost staring into his soul, still waiting for a response, he could not help but feel a tad bit embarrassed, as if you were judging him for not being a responsible adult. Also it didn't help that you were goddamn pretty.

"I'm gonna take that as a very long time, the last time being the prehistoric ages, correct?" There's the slightest hint of a tease in your voice.

"Uh.......yes ma'am." Ghost squints his eyes at you as you go back to typing on your keyboard. Did you just.............did you just call him…..He does not know how to feel about that. Did you just try to crack a joke? He always thought doctors were the serious type.

"Okay then." You straighten up, grabbing your sphygmomanometer off the table and turning yourself to face him. "Is it okay if I check your blood pressure?"

The man is stunned. No one has ever asked his permission for anything before. He's so used to either taking orders or giving orders that he doesn't know how to respond and stares at you for a moment, forcing his brain to process what to do next before eventually giving a nod.

"Is it okay if you take your jacket off so I can get a clearer reading?"

He nods again, still in shock as he takes off his jacket, leaving him in his black long sleeve thermal. He's almost thankful he wasn't in his full tactical gear, having to imagine you standing there waiting for him as he removes every single piece of equipment off his torso.

"Thank you." You give him a short smile, placing your hand under his tricep and gently lifting his arm in order to wrap the inflatable cuff around his bicep. You almost blush at the mere size of this man's arms. "Now you're just going to feel a slight pressure okay."

Ghost can't help but feel a slight warmth spread to his cheeks at the way you handle him with such care, as if he were the small delicate thing and not you. Now he knows why the others were so giddy after leaving your office.

As you place your stethoscope on his forearm near his elbow to listen to his blood pumping through the artery, your other hand pumping air into the cuff using the inflation bulb with your eyes glued to the numbers on the gauge, he can't help but to notice the old Donald Duck watch that sat at your wrist, the ones with the moving arms and the vintage style black leather straps.

And as he further investigated your attire, he noticed a few other details, like the colorful glittery badge reel in the shape of a pill container with the words "licensed drug dealer" printed on it that was attached to your scrub top, the glitter sticker with the words "I'm nicer than my face looks" as well a few Disney character stickers and the little frog looking keychain that hung off of your badge. He was wondering what the hell that thing was. Your accessories were awfully colorful for a general doctor. Something was telling him you either used to work with families or children. Whatever the hell managed to bring you to such a drastic change.

You brought him out of his thoughts as you shifted from your position, unwrapping the inflatable cuff from around his bicep and placing it back on the table before typing the results into your laptop. "Okay," You adjust the ear pieces of your stethoscope back into your ears as you turn back to him, "I'm going to perform some auscultations, which is just listening to the sounds of your heart and your lungs so if you could just sit up straight and relax that would be wonderful."

Simon straightens up his posture as you place your free hand on his shoulder, at this point you're not sure if you're steadying him or yourself, your fingertips just barely grazing across the bottom of his neck. He doesn't know why but, it's as if your fingers are directly touching the skin underneath, despite the fabric of his mask that separated your fingers from his skin. Your hands feels hot, like really hot and he has no clue why.

The soldier only feels his cheeks warm up even more so now as you inch closer to carefully place the diaphragm of your stethoscope on his chest, your head tilted and your eyes lowered to the floor as you listen for his heart beat. He gets a whiff of your perfume and he finds himself drawn to it. You smell like something along the lines of jasmine petals, geranium, myrrh, frankincense, and a hint of sandalwood. Now he definitely knows why the others are fawning over you. Poor Simon is praying you don't hear how his heart is nearly racing. He does not know why he is feeling this way and it slightly bothers him in the way that he has no clue what it is he is feeling.

He catches how your brows slightly furrow at the center and his heart skips a beat. Now he's fucking embarrassed and this man rarely ever is embarrassed. Maybe he's even starting to panic. Can you tell? Do you know? You open your mouth to say something but he quickly interrupts he just got back from a run so you dismiss it with a shrug, placing the diaphragm on his back now and asking him to give you a couple of deep breaths.

"Okay. Take a deep breathe in, breathe it out. Breathe in, and out."

He complies with your instructions, breathing in slow and deep breaths as you go from one side of his back to another.

"Good job." You remove the earpieces and let your stethoscope hang around your neck as you go back to your table, recording in more info. Hang on did you just, did you just tell a grown 6'4" man good job.

Even Simon is confused. Like bitch.

"Okay, so we're all done with that." You inform him, before going over to one of the drawers and sliding it open. "Now if you don't mind, I would like to have some blood work done on you, just to make sure there are no underlying issues that need to be taken care of."

Simon is silent so you turn to him. "Is that okay, Ghost, is that what the others call you? Would you like me to call you Ghost?"

Goddamn you're too polite. "That's fine by me ma'am."

"Perfect. Now is it okay if I take your blood sample?"

Ghost nods, so you grab the tools necessary and place them on the table next to you.

"Could you please roll your sleeve up and make a fist for me? Thank you." You ask him once you sanitize your hands and throw on a pair of fresh gloves. You grab the tourniquet and catch sight of the tattoos that cover his forearm as you tie the tourniquet around his arm above the elbow. You're curious to know the story behind them but you have a feeling he's not one for storytelling or just talking in general so you remain silent. You tear open the small packet of the alcohol wipe and apply it to the area. The chemical is cool against his skin as you sanitize the area before letting it air dry. Simon can't help but notice how small your hands are.

Simon watches you intently as you work, the way you are so focused and so precise with each step, and yet so gentle. It's almost cute.

"You're just going to feel a little pinch." You tell him in a soft tone, a tone you were used to using on all your little patients before inserting the needle into his vein. As if the man hasn't been shot or stabbed and god knows what multiple times before.

At this point Simon doesn't even notice the needle in his arm, he's too focused on the details of your face. He can sense that you're nervous around him and he feels bad. Even though he's just met you, the last thing he wants is for you to feel scared or unsafe around him. And even though this whole situation is awkward for him since he never was a fan of visiting the hospital, you're their physician, and at the end of the day you're there to patch them up. So he comments on your dark circles, thinking you haven't gotten any rest since you arrived here. "You look tired."

"............that's just my face." You give him that distinct smile, the same smile you have given anyone who ever commented on them as you connect the vacutainers to the needle to draw his blood, your eyes glued to the dark red liquid seeping through the thin clear tube before pouring into the sample tube.

If you thought it was quiet before, well you are most definitely wrong because the silence is absolutely deafening now.

Simon nearly punches himself for his stupidity. Why in the bloody hell did he say that of all things. He wanted to tell you he liked your dark circles but decided to bite his tongue instead. Now he's definitely not going to say another word. Better yet, once he leaves your office, he's not coming back. He's just going to avoid you at all costs in order to save both you and himself the embarrassment. He's willing to bet the others handled this way better than him.

"But I suppose I am a bit jet-lagged though. Haven't really gotten any rest since I got on that plane." You add. "I appreciate your concern."

You most definitely said that to make him feel better about himself, Simon thinks to himself as he stares at the wall and avoids your face. There was no other reason.

Once your done drawing his blood you ask him to hold the piece of cotton pad down onto where the needle was punctured as you open up the drawer where the gauze is located. "Do you have a favorite color?"

Did you just ask him his favorite color? Simon stares at you blankly. Were all doctors this odd?

"I'm guessing you like black?" You pull out the roll of black gauze, displaying it in front of you with the most deadpanned expression possible.

You've got jokes. Simon thinks to himself. If he had looked a little closer he would have noticed the ghost of a smirk on your lips.

"You should see the colors the others picked." You tease as you wrap the gauze around his arm at the elbow, making sure it isn't too tight but also not loose enough to the point where the cotton pad underneath slips out.

Simon narrows his eyes at you. Bloody fucking hell. The others picked a color?

You're pretty sure Gaz requested you get an Elmo print one he saw online once somewhere. Soap asked if there a print of the Scotland flag available. The look of hurt on his face when you said there wasn't so you improvised and gave him both the blue and white gauze. You gave him a Dum-Dum lollipop to make him feel better. The others may have also gotten a lollipop as they left your office, especially after seeing the special treatment that Soap received. Were they jealous? Maybe.

Once you tell the man he is all good to go and that you will call him once you're done getting the results from his blood sample, he nearly jumps out of the chair and bolts out of your office. He prays some unknown miracle happens and that his blood sample magically disappears so that he doesn't have to face you, firmly believing he insulted you and that you thought he called you ugly when that is not what he intended. I am telling you this man does not know how to compliment. They should make a guidebook for dummies specialized just for him.

You watch him disappear out your door with a quirked brow. Well that was fucking weird.

When Simon leaves the area he finds Soap lounging about on a chair with a sucker in his mouth.

"The hell is that?" Simon squints at the sergeant.

"Mph mph." Soap's voice comes out muffled.

"What?"

Soap pauses and turns to see Ghost looming over him. "It's a Dum-Dum."

"A fuckin what?"

"Y/n said they're called Dum-Dums." Soap pulls it out of his mouth, twisting the stick of the lollipop around in his fingers as if he were inspecting it. "This one's a cotton candy flavor."

"She gave you a fuckin lollie?"

"It's pure dead brilliant I tell ya. Why, did she not give ya one?"

More silence. Simon would be lying to himself if he said he wasn't a tad bit butthurt.

"Maybe you scared her." Soap jokes.

Simon lets out a grumbled incoherent huff and walks away.

Soap just shrugs and pops the lollipop back in his mouth.

Simon has a feeling he is going to go to bed thinking about his actions.

Part 2

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