#interest free student loans

[investingdrone]

Best Interest-Free Loans for Students in UK 2024

Interest-Free Loans for Students: While the idea of borrowing money for school without interest sounds amazing, it’s important to know that true interest-free loans for students in the UK are pretty rare. Most loans will have some kind of interest attached, even if it’s hidden under a fancy name. Some lenders might advertise “0% interest” to grab your attention, but this is usually a temporary…

[thirdtimed]

shyly pokes head........ would any one here potentially be interested if i ever opened commissions.... 🙇

[sabattoir]

rent is 38% of my monthly income :(

[aanews69]

Entregamos historias. También te damos guías, consejos y trucos sobre cómo crear el tuyo propio. Este canal está dedicado a cosas aleatorias que pasan por nu...

[chrismcshell]

PSA for Ontario folks who have a Canada-Ontario Integrated Student Loan:

i just learned today that you can pay off just the Ontario portion of your loan by mailing a cheque to the NSLSC with a letter instructing them to apply it to your Ontario loan only.

Canada student loans are interest-free, but Ontario student loans are not, so if you pay off the Ontario portion of your loan, you will no longer pay any interest!! so if you can afford to pay off your Ontario loan, or at least a good chunk of it, it's definitely worth doing.

personally, i'm paying about $22/month in interest on the ~$3200 remaining balance of my Ontario loan, and i'm looking forward to getting that extra $22 cleared from my monthly bills!

there are a few guides for this on reddit (here's one) but the steps are basically:

sign in to your NSLSC account. on your dashboard, find your Funding Summary and click on your Canada-Ontario Integrated Student Loan. here, you can find your Loan Number, Ontario Loan Amount Owing, and Daily Interest Charge.

write a cheque in the amount of your Ontario student loan, plus a little extra to cover any interest accrued while your cheque is being processed (some guides specifically recommend 10 days of interest; i would aim higher just to be safe). pay to "NSLSC" or "National Student Loans Service Centre", and include your loan number in the memo.

write a letter instructing the NSLSC to accept the cheque as payment towards the Ontario portion of your loan, then to apply any amount left over to the federal portion of your loan.

mail the cheque and letter to the NSLSC (National Student Loans Service Centre, P.O. Box 4030, Mississauga ON L5A 4M4).

i'm going to do this sometime in the next week; i'll report back on how it goes... but, it sounds like a lot of people have been able to do this successfully, so there should be nothing to worry about! go forth and make ur student loans interest-free ✨

[imperial-evolution]

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[dayaxwriter]

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.

[slyandthefamilybook]

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

[batboyblog]

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

[honeytonedhottie]

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.

[goldfades]

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 ♡

[qqueenofhades]

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

[tomorrowusa]

Don't risk a rerun of the 2000 election.

In the first presidential election of the 21st century many deluded progressives voted for Green Party candidate Ralph Nader.

Their foolishness gave us eight years of George W. Bush who plagued the country with two recessions (including the Great Recession) and two wars (one totally unnecessary and one which could have been avoided if he heeded an intelligence brief 5 weeks before 9/11).

Oh yeah, Dubya also appointed one conservative and one batshit crazy reactionary to the US Supreme Court. Roberts and Alito are still there.

Paul Waldman of the Washington Post offers some thoughts.

Why leftists should work their hearts out for Biden in 2024

Ask a Democrat with a long memory what the numbers 97,488 and 537 represent, and their face will twist into a grimace. The first is the number of votes Ralph Nader received in Florida in 2000 as the nominee of the Green Party; the second is the margin by which George W. Bush was eventually certified the winner of the state, handing him the White House. Now, with President Biden gearing up for reelection, talk of a spoiler candidate from the left is again in the air. That’s unfortunate, because here’s the truth: The past 2½ years under Biden have been a triumph for progressivism, even if it’s not in most people’s interest to admit it. This was not what most people expected from Biden, who ran as a relative moderate in the 2020 Democratic primary. His nomination was a victory for pragmatism with its eyes directed toward the center. But today, no one can honestly deny that Biden is the most progressive president since at least Lyndon B. Johnson. His judicial appointments are more diverse than those of any of his predecessors. He has directed more resources to combating climate change than any other president. Notwithstanding the opposition from the Supreme Court, his administration has moved aggressively to forgive and restructure student loans.

Three years ago the economy was in horrible shape because of Trump's mishandling of the pandemic. Now unemployment is steadily below 4%, job creation continues to exceed expectations, and wages are rising as unions gain strength. The post-pandemic, post-Afghan War inflation rate has receded to near normal levels; people in the 1970s would have sold their souls for a 3.2% (and dropping) inflation rate. And many of the effects of "Bidenomics" have yet to kick in.

And in a story that is criminally underappreciated, his administration’s policy reaction to the covid-induced recession of 2020 was revolutionary in precisely the ways any good leftist should favor. It embraced massive government intervention to stave off the worst economic impacts, including handing millions of families monthly checks (by expanding the child tax credit), giving all kids in public schools free meals, boosting unemployment insurance and extending health coverage to millions.

It worked. While inflation rose (as it did worldwide), the economy’s recovery has been blisteringly fast. It took more than six years for employment rates to return to what they were before the Great Recession hit in 2008, but we surpassed January 2020 jobs levels by the spring of 2022 — and have kept adding jobs ever since. To the idealistic leftist, that might feel like both old news and a partial victory at best. What about everything supporters of Bernie Sanders have found so thrilling about the Vermont senator’s vision of the future, from universal health care to free college? It’s true Biden was never going to deliver that, but to be honest, neither would Sanders had he been elected president. And that brings me to the heart of how people on the left ought to think about Biden and his reelection.

Biden has gotten things done. The US economy is doing better than those of almost every other advanced industrialized country.

Our rivals China and Russia are both worse off than they were three years ago. And NATO is not just united, it's growing.

Sadly, we still need to deal with a far right MAGA cult at home who would wreck the country just to get its own way.

Biden may be elderly and unexciting, but that is one of the reasons he won in 2020. Many people just wanted an end to the daily drama of Trump's capricious and incompetent rule by tweet. And a good portion of those people live in places that count greatly in elections – suburbs and exurbs.

Superhero films seem to be slipping in popularity. Hopefully that's a sign that voters are less likely to embrace self-appointed political messiahs to save them from themselves.

Good governance is a steady process – not a collection of magic tricks. Experienced and competent individuals who are not too far removed from the lives of the people they represent are the best people to have in government.

Paul Waldman concludes his column speaking from the heart as a liberal...

I’ve been in and around politics for many years, and even among liberals, I’ve almost always been one of the most liberal people in the room. Yet only since Biden’s election have I realized that I will probably never see a president as liberal as I’d like. It’s not an easy idea to make peace with. But it suggests a different way of thinking about elections — as one necessary step in a long, difficult process. The further you are to the left, the more important Biden’s reelection ought to be to you. It might require emotional (and policy) compromise, but for now, it’s also the most important tool you have to achieve progressive ends.

Exactly. Rightwingers take the long view. It took them 49 years but they eventually got Roe v. Wade overturned. To succeed, we need to look upon politics as an extended marathon rather as one short sprint.

Republicans may currently be bickering, but they will most likely unite behind whichever anti-abortion extremist they nominate.

It's necessary to get the word out now that the only way to defeat climate-denying, abortion-restricting, assault weapon-loving, race-baiting, homophobic Republicans is to vote Democratic.

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[phantoms-world-and-more]

Ellie takes an interest in paleontology, her main obsession is Discovery as in learning new things and unlocking their secrets. She starts reading and studying as much as possible. She eventually gets a part time job at a museum in Gotham since she's fully stable while going to school for paleontology, archeology, and biological science all the while using Vlad's money to pay for everything since he decided to be less of an ass and give her enough so she won't end up with crippling student loan debt. While she enjoys teaching people about the past of the creatures that once roamed the planet, she feels that modern science is a little behind since the realms are full of ghost dinosaurs and other prehistoric Flora and Fauna. So what does Ellie do? She goes out and buys small lab stuff, uses intangiblity to get fossilized bone marrow samples from the dinosaurs in the museum and attempts the Jurassic Park them via cloning on her free days. Needless to say she accidentally catches the attention of the bats for an unrelated incident (stealing tires off the batmoble as a dare from a classmate) and now they're thinking this college student is becoming a new rouge.

.