#not that i have the finances to splurge but i could get a game as a treat lol | Explore Tumblr posts and blogs

vishwaspe · 25 days ago

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Level Up Your Recharge Game with VishwasPe: Get Cashback on Every Recharge!

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#ecommerce #finance #marketing #branding #startup #cashback #offers

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taxnetfinancial-blog · 10 months ago

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Boost Your Cash Flow with Income Tax Advances: A Smart Financial Move

Hey there, savvy spender! Let's talk about a nifty financial strategy that could give your bank account a little extra pep in its step. We're diving into the world of income tax advances – what they are, how they work, and why they might just be the secret sauce your cash flow needs.

What Exactly Are Income Tax Advances?

Alright, picture this: it's tax season, and you've filed your return. You know that sweet refund you're expecting? Well, an income tax advance is like getting a sneak peek at that refund before it officially hits your account.

How Do They Work?

Here's the lowdown: instead of waiting weeks for your refund to come through, you can get a portion of it upfront – usually within a day or two. It's like pressing fast-forward on your finances.

Why Might You Need One?

Life happens, right? Maybe you've got bills to pay, unexpected expenses cropping up, or you just want to treat yourself to a little something special. Whatever the reason, an income tax advance can provide that extra cushion when you need it most.

The Benefits of Income Tax Advances

Now, you might be wondering: why bother with an income tax advance when I could just wait for my full refund? Great question! Let's break down the perks:

Instant Access to Cash

Who doesn't love instant gratification? With an income tax advance, you can skip the waiting game and get your hands on your money right away. Whether it's covering essentials or splurging on something fun, the choice is yours.

Flexibility in Repayment Options

Worried about paying back the advance? Don't be! Many providers offer flexible repayment plans tailored to your needs. So, you can breathe easy knowing you won't be strapped for cash down the line.

Avoiding Late Fees and Penalties

Let's face it: life doesn't always stick to our budgeting plans. By using an income tax advance to cover unexpected expenses, you can steer clear of late fees and penalties that might otherwise put a dent in your wallet.

Peace of Mind

Stress less, live more. With the financial cushion of an income tax advance, you can tackle life's curveballs with confidence, knowing you've got a safety net to fall back on.

How to Get Started

Ready to give your cash flow a boost? Here's how to take the first step:

Do Your Research

Not all income tax advance providers are created equal. Take the time to shop around, compare rates, and read reviews to find a reputable company that suits your needs.

Gather Your Documents

Before you can get that advance, you'll need to provide some documentation, such as your tax return and proof of identity. Make sure you have everything handy to streamline the process.

Apply Online or In-Person

Once you've found a provider you trust, it's time to apply! Many companies offer online applications for convenience, but you can also visit a physical location if you prefer a more personal touch.

Review the Terms

Before you sign on the dotted line, carefully review the terms of the advance. Pay attention to things like interest rates, repayment schedules, and any fees associated with the loan.

Enjoy Your Cash Flow Boost!

Once your application is approved, sit back, relax, and enjoy the extra cash in your pocket. Whether you're tackling expenses or treating yourself to a little indulgence, you've earned it!

In Conclusion

Income tax advances can be a game-changer when it comes to managing your finances. With instant access to cash, flexible repayment options, and peace of mind, they offer a smart solution for those in need of a little financial breathing room. So, why wait for your refund to roll in? Take control of your cash flow today with an income tax advance and unlock a world of possibilities. Happy spending!

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sanssouci-sims · 1 year ago

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It’s Pride Month, which means it’s now legal for me to infodump heavily about my sim couples who just so happen to be under the rainbow!! 🌈✨

My favorite non-OTP pairing at the moment is Cassandra Goth and my own character, Sanguinaria “Gwen” Addams!

Gwen actually happens to be a fan character I created for “The Addams Family” but I just wanted a goth girl in my game so I made a sim of her lmao

As you can probably tell by the way Gwen dresses, she’s your typical mall goth who wants nothing more than to forge her own path in life. She was raised to be prim and girly, but doesn’t see the harm in dressing a bit edgy as well (but she doesn’t mind the occasional splurge on dresses, makeup, and shoes... y’know, ‘like the other girls’).

And we all know who Cassandra Goth is. Though as you can see, she has been given a bit of a makeover. She’d been living with her sisters and had even had a daughter (probably through a one night stand honestly), and she soon - and frankly - grew bored of living with them. She didn’t like that her sisters would treat her as their personal babysitter, and though she didn’t like to admit it, she didn’t feel much of a connection with her daughter (considering her father was a Landgraab she wasn’t even all that attracted to). But her dad was dead and her mom (who remarried) and brother moved out, so where could she even go?

Isabel (R): “But you’re supposed to like babysitting for us! We are your sisters, and we’re all you have!”

Cassandra: “I just want time for myself tonight...”

~~~

Considering my Cassandra has the lazy trait, I imagine she wouldn’t be motivated to do much beyond escaping to the internet when she isn’t busy tending to her sisters’ kids (or her own). So it was probably inevitable that she would go around meeting people online in chatrooms and social media. One of these people would be Gwen Addams, whom she befriended back in high school. They would reconnect, and Gwen would reveal she was now living in her own place (which happened to be financed by her mother who - needless to say - didn’t want anything to do with her now that she was a legal adult). Gwen asked if her old friend wanted to come over, and Cass obliged, ditching home when her sisters’ backs were turned.

The girls would bond over their shared interest in the macabre and dysfunctional family lives. They enjoyed the same type of music (mostly alternative and rock) as well as dressing in the same colors (especially black). Cass knew this was someone she really wanted in her life, and proceeded to cut off all contact with her sisters.

And well, you know, one thing led to another. 🖤

I’m planning to get them married soon! And yes, they’re totally going to have a dark gothic wedding.

#sanssouci's sims #sanssouci's townies #the sims 4 #sims 4 #ts4 #the sims 4 storytelling #sims 4 screenies #sims 4 screencaps #sims 4 screenshots #the sims 4 screenshots #ts4 screenies #ts4 screencaps #ts4 screenshots #i ship these two so hard #lgbtq sims

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dcviated · 2 years ago

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disney villain hc asks :: open

@hallowleylines sent: CAPTAIN HOOK, EVIL QUEEN - Malkuth GOVERNOR RATCLIFFE, PRINCE HANS - Dogi

CAPTAIN HOOK - Does your muse have any triggers?

Malkuth does NOT respond well at all to two things- the first of which is harsh negativity. Going beyond just disappointment, talking down to her and making her seem small during heated disagreements will see the girl shutting down fast. Many took advantage of this in her earlier lives. She was too eager to please, and more or less a tool to those in dominant positions as a result. Thinking about that, and falling into those kinds of situations or causing trouble...

Well. You saw what almost happened with Current. That gives you an idea.

The other thing is is being othered. Left out. Ignored. She has bad abandonment issues and you'll see the cracks start to form if things are kept from her. She's left out of plans. Anxiety will build up. Did I miss up? What did I do wrong? Am I just annoying them?

Another thing that could lead to an Episode.

EVIL QUEEN - What would your muse give up if it meant they could take revenge on their worst enemy?

In canon she was willing to give up her life twice trying to help others! But! Revenge on an enemy? I'm not sure she'd be willing to hold onto grudges like that. Malkuth doesn't like confrontation, as I said above- the worst bout of anger we see from her during Ruina is towards Angela on her awakening, a woman who manipulated many out of her OWN revenge.

But rather than turn she's willing to make amends, or try to, anyway. And see that things work towards a mutual benefit... yeah. Anyway. I don't think she'd be dramatic, and would rather a similar outcome with an enemy. At most, throw away morals of violence? But she won't sacrifice herself, or her friends, or anything like that-

Or her candle collection.

GOVERNOR RATCLIFFE - What would your muse do with unlimited gold?

Dogi travels light, and this tends to be the case regardless of the verse. He's not a materialistic sort of person outside of brief fleeting enjoyment of comfort and a fancy meal. So... I think with a ton of money he'd probably do one good splurge- try on fancy outfits and eat and drink the finest food money could buy and then...

...he'd probably be at a loss. The reason he explores and travels isn't for any monetary gain. Managing finances is the least of his worries. Even with his time as a thief, it was a Robin Hood sort of venture. Doing something for the little guy.

So guess where most of that money is going?

PRINCE HANS - How does the first impression your muse gives off differ from their true selves?

I want to think the impressions Dogi gives off are pretty consistent. You can say he's intimidating given how tall and huge he is, sure. But that can only last for like half a second since there's such a bright cheer about him. I think the only thing to really dig up outside of how he presents himself is that sheltered pessimism I beat like a dead horse (because it can get bad).

But really. You meet Dogi and know he's a good guy and someone you can count on in a lot of situations. The first encounters in the Ys games are typically him buddy buddy on an arrival, or busting through a wall to help you out with a big grin on his face. He opens his mouth to talk and I mean-- how can you not love him?!

I'm biased.

#hallowleylines #inbox :: answered hc #muse :: malkuth #muse :: dogi #good questions thank you much sir sir

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danteinthedevildom · 4 years ago

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- kicks door open dramatically - Money. How does it work in the Devildom? -zoomed in eye emoji-

I love that when I ask my friends to remind me to write things they send me anons with flare. Y’all so good to me, Ily, enablin my Thoughts bc I got carried away.

(For context this’s just how I like thinkin the boys get that sweet cash money, bc I Have Thoughts On That, apparently).

- Student Council Members all get paid for their service. It’s pretty self explanatory, I think, but c’mon; that’s a job, as well as a technical governmental position. You can’t NOT pay them.

- The brothers do NOT get to see this money. Student Council paychecks go straight to Lucifer as part of the budget for the House of Lamentation; they are not allowed to so much as think about touching this money, because it’s what he uses to pay for all of their household expenses. Food allowance, maintanence, WIFI router fees, their TV license... it’s all accounted for using the very steady and non-fluctuating income they get.

- Any income the brothers make outside of this is purely their own! All of Mammon’s paychecks from his modeling gigs go straight to his own bank account, and the same can be said for the money Asmo earns from his designer brand. They can do anything they want with this money, and Lucifer is not allowed to touch it unless in some form of punishment.

- Admittedly that “punishment” doesn’t happen often. He doesn’t really enjoy messing with their money, especially not when they’ve actually worked for it - which is why he’s content to leave it as their money, rather than the Household’s as a whole - but if it’s clear that they’ll use their money to do something irresponsible or damaging, he’ll call the bank and force them to put the account on hold.

- (By “irresponsible or damaging”, I mean to the tune of “Satan once tried to use his funds to buy an extremely suspicious amount of Very Deadly Ingredients at the same time Belphie uncharacteristically offered to assist in the preparation for Lucifer’s birthday party”. He really doesn’t care what they spend it on beyond that, so something like Levi spending all of his Grimm on the same CD over a thousand times? Lucifer doesn’t exactly get it, but eh, that’s legit.)

- Yes, Lucifer can do this. He’s the overseer of the accounts, in technicality; though he lets the brothers do as they please, they’re all legally in his name. It’s one of those things that the bank has been personally informed of since the start. Yeah, they treat the individual brothers as the account holders, but if Lucifer phones up and says the brother in question isn’t allowed to access his funds? Then the bank goes, “yes, sir”, and nothing can get them back in except Lucifer phoning the bank up again.

- Lucifer’s pretty good at handling their fees, thanks to the several millenia he’s had doing it. Things can get a little tight, but he’s always able to leave some money at the end as a sort of backup allowance (a last resort pool for each brother). Even at the worst possible point, he refuses to take from the backup allowances unless absolutely necessary - which is mostly on the very, very rare occassions that their expenditure exceeds Student Council funding.

- Each of the brothers are allowed to have a Credit Card that is separate from the backup allowance. They’re fully expected to pay back the Card with their own money - not their Student Council funding - and if they’re incapable of doing so, they can use their backup allowance to pay it off. Goldie is Mammon’s, and obviously the most well-known, but the others can have one, too - if they want to.

- If they run out of their backup allowance, well, they’re just shit out of luck, because they can only have access to it when all other resources run dry. It really is like a last resort; something that’s just meant to tide them over till they next get paid. After that, their Credit Card gets frozen, and Lucifer just lets them deal with their own problems - so long as it doesn’t impact the finances of the House as a whole, anyway.

- So, obviously Mammon has his modeling job - I mentioned that before! Levi gets his own income from streams, and Satan gets his from the patents he has on various spells and hexes he’s created. Asmo, beyond the designer brand he owns, does get a lot of income from his status as a Devilgram Influencer, and Beel gets a lot of his income from Fangoal sponsorships. Nobody actually knows where Belphie’s income comes from. He just kind of... gets it? There’s rumours that it’s hush money, but he’s never said and nobody’s sure how to ask and get an actual answer out of him.

- Unsurprisingly, Asmo makes the most, which the other brothers think is complete bullshit. It’s quickly followed by Belphie and Beel, then by Levi, then Satan, and Mammon makes the least.

- Lucifer doesn’t need a source of income. Anything he could want or need - more than that, even - is bought for him by Diavolo (heedless of anything he says against it). He’d have absolutely nothing to spend the money on, and if he did buy things for himself, he’d have no idea what to say to Diavolo when asked what the Prince can buy him.

- The brothers are EXPRESSLY FORBIDDEN from posting anything about things they want or debts they have, because it has happened in the past that they’ll mysteriously find a debt erased or the thing they wanted sent to the House of Lamentation, and Lucifer is honestly so exhausted with trying to get Diavolo to just stop buying them shit.

- Honestly, the only reason they get a set income at all is because Lucifer was too Proud to accept Diavolo’s original plan of “if you need something, let me know”. He’s already eternally indebted to the Prince as-is; he does not want to be in literal, actual monetary debt with him. At least if it’s a wage, he’s being paid for a service, and he can ensure that Diavolo isn’t just splurging a ridiculous amount of Grimm on them for the sake of spending.

- (As a side note, it’s also just a little less embarrassing to pay for any damages his brothers do out of pocket. Nothing was worse than, in those early days after the Fall, awkwardly looking somewhere to Diavolo’s right and biting out that he would very much be grateful if Diavolo could pay for a contractor to fix the outer wall of the House. And the interior wall of the House. And the Kitchen as a whole, actually.)

Bonus:

- MC gets an allowance that’s just a little less than what the Student Council members get. Though the Exchange Programme covers any Household expenses, like food, Diavolo wasn’t just going to let them end up there without something to spend. They can, of course, go out and work on top of that - just like the brothers do - but they don’t actually pay for anything beyond the things they want, so it’s genuinely not necessary. It’s even less necessary since Diavolo finds it much easier to sneak them away on shopping trips.

- Diavolo and MC frequently play a fun game of “how much can Diavolo buy MC before Lucifer figures out where they are and drags MC away!” The answer? A lot. Like, so much. There genuinely isn’t a more surreal - or admittedly hilarious - sight than watching the Avatar of Pride standing in front of the Prince of the Devildom with his arms crossed over his chest, tapping a foot against the floor, as Diavolo gently places down an absolutely obscene amount of bags filled with goodies solely for MC. Well, until Lucifer says, “And the rest,” and suddenly another, smaller bag is pulled out of his jacket.

#obey me #obey me scenarios #obey me headcanons #obey me hc #Anonymous

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asianonymous · 3 years ago

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I have a cycle when it comes to hobbies. I’ll see something new and interesting, and splurge an ungodly amount of money on it. I know that it’d be better if I just had a taste of the hobby to see if I’d like it, but another part of me is telling me I need all the colours of the rainbow. Then I’ll binge the hobby for the first month or days and then just give up completely. The only thing I’ve been able to sustain is journalling.

Here are some of my other hobbies: Resin making, model making, model painting, calligraphy, digital art, playing the kalimba, playing video games, reading books, polymer clay (which I quit after a day).

Part of me can’t help but wonder if I’m unsuccessful at sustaining them because of my personality: INFP. But also, I can’t help but wonder if I’m really doing it for myself or if I’m doing it so I can maybe post it on Instagram and get a few likes. And don’t get me started about wanting to monetise something as a side hustle (which somehow destroys my intrinsic motivation). The funny part is, I’m not even poor; my dad’s quite wealthy but the media I’ve been consuming hasn’t been helpful. There’s a lot of media talking about passive income and how you can’t work a 9-5 for the rest of your life, just finance stuff. I mean, it sounds good to have extra money but it’s not like I need it. I have been blessed with a well-paying job that I love (wanted to be a teacher since I was a teenager), and it allows me to afford all the things I want whilst being able to save at least two-thirds; so I don’t really know what I’d need the money for… but I mean, what could go wrong with having extra money to save up for a house? Let’s not go into details about how I feel kinda guilty for not being a penny pincher.

Anyway, this blog is just for myself, and you to read; not to make money from. Perhaps a sense of belongingness is what I need - a connection with others, but also, reassurance that it’s not just me.

#blog #journal #diary #infp #mbti

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copias-thrall · 5 years ago

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When Mary Met Sally … err, Suey

Timestamp How do two walking disasters meet? Well, one of them walks into a bar …

(Start at the beginning)

*public sex*

It’s not the worst dive bar you’ve ever been to, but any place that can double as a venue usually makes a bit more effort. Maybe there are some coding regulations or whatever. Your friend swears by it for cheap drinks and chaotic atmosphere, which is why you made the effort to put on a dress—a short, black thing with diaphanous tails that forgives your belly rolls—and did your doll eyes.

But the bitch isn’t even here yet. You’re on your second beer—and a band growling into mics and shredding is playing on the paltry performance area that the bar boasts—when you get another text. The first one—that you had received upon arrival yourself—had said she was on her way. This one says she’s leaving work now.

You sigh and tap your foot along to the bass. The majority of the patrons in the place are crowded into the venue room, bopping and screaming along. There are a handful, like you, who are loitering by the bar—an old drunk; two finance types with loose ties; a gaggle of scene girls waiting for their drink order; and a group of college kids at a bar top with a half-full pitcher surrounded by empty shot glasses.

The bartender—a crusty-looking dude with long, greying hair and the kind of tattoos you’d expect were done in the kitchen of a friend’s house by a biker—leans on the bar into your space and sets down a shot.

“Boyfriend stand you up, doll?”

You give the shot a little toast to him and shoot it, only coughing a little and the whiskey’s afterburn.

“Something like that” you say.

“He’s a fool to leave a face as pretty as yours up for grabs.” He pushes away from the bar to service the next customer as you stammer, “Um, thanks.”

One-third through your third beer is when you get the text that she just got home and is exhausted and can’t possibly change to come back out and meet you now. You roll your eyes, even if this was exactly what you were expecting. You’re annoyed since she picked this bar because it was near her work and therefore a quick jaunt for her on her way home—whereas you took the bus for 27min and then walked 3 blocks. But, ok.

You definitely have to pee, and—after debating whether you can wait until you finish this beer—ultimately decide that peeing is actually an imperative. Since your friend’s not here, you’ll have to take your beer with you. It seems the band must have just finished because it looks like every women in the bar is now waiting to use the two-stall women’s room. Your eyes flick over to the men’s room where there’s—you guessed it—no one.

“Fuck it,” you say out loud. “I’m crossing enemy lines.”

Occasionally you can get a flock to come with you, but tonight it seems like the other women are content with their lot, and not one follows in your wake. You kick open the door and yell, Female coming aboard! as you stomp into the bathroom. You’re prepared to cover your eyes, because men get real shy, but there actually doesn’t seem to be anyone even in here. You don’t question your luck, just make a beeline for the small stall.

Once in the stall, you debate the logistics of what to do with your beer glass—you don’t usually mind putting it on the floor, but for some reason this time you get a bad feeling, which is when you remember that you have tits. Using your cleavage, bra panel, and neckline, the glass fits quite snuggly—and you only have to be somewhat careful as you perform the intricate process of doing your business without spilling the liquid or getting your dress in the toilet.

When you wander out there’s a dude in the stall next to yours and a tall, skinny, punk guy at the bathroom sinks. He’s leaning into the cracked mirror and either putting on makeup or touching it up. Actually, upon closer inspection he’s in white face paint with black, corpse-like accents and … blood?

Whatever.

His eyes meet yours in the mirror as you sway over to the sink next to his.

“What?” he says with a sneer.

You turn to face him, leaning your hip on the sink; you point to your own mug saying, “You got something on your face,” and do a few sweeping circles with your hand. “Hereabouts.”

He looks at you and furrows his brow as you turn to wash your hands, remembering at the last minute to not lean over. In the mirror you watch as his eyes glance down to your beer cleavage.

Beerage.

Hah.

“Pfft. You wish, dude.”

He doesn’t say anything further, but you feel his eyes heavy on you as you finish up and saunter out. You make your way back to the bar, sighing in relief when you can safely deposit your pint glass back on the counter. The stage area is now dimmed and you notice the crowd has thinned somewhat while the bar has gained new pods of people.

You fiddle a bit with your phone—checking social media, playing a round on your game app, and texting out memes—until a fresh glass of beer is set down in front of you. One you didn’t order. When you follow the perspiring glass up you meet the black-rimmed eyes of the guy from the men’s room. He’s resting on his crossed arms and smirking you.

“I do wish, actually,” he says.

“What?”

He gives you an exaggerated once over.

You squint at him. “Weren’t you in that band?”

“Wow. ‘That band.’ Yeah, I am.”

“So why’re you behind the bar?”

He leans back, licking his lips and looking down at you with hooded eyes.

“I’m multitalented,” he says, and then makes a vulgar motion with his tongue.

You’re about to respond with something very clever, you’re sure, when the older bartender barks, “Mary!—a little help?”

He makes a shrugging motion at you as you before he turns to help with a gaggle of girls who all giggle and bat their eyelashes at him. You hadn’t intended to stay past your third beer, but after you assess the lines of “Mary’s” body and the swell of his ass in his ripped jeans, you slide the proffered beer closer to you. Maybe the night won’t be a bust after all.

You’ve just started on the gift beer when “Mary” saunters back over. He pours a shot and shoots it himself before leaning on the edge with his hip and considering you.

“Is your name really ‘Mary’?”

He lifts his chin at you in challenge. “What of it?”

You giggle. “It’s just—”

“A girl’s name? Yes, I’m qu—”

“It’s my name,” you say as you slap your hands on the bar.

He squints at you. “It’s not.”

You fish a credit card out of your phone wallet and offer it to him. He takes it, looks at it, looks at you, looks at it again, lets out a Huh , then hands it back to you.

“Well, I’m not calling you Mary. I’m calling dibs on it.”

You rest your tits on the bar as you lean toward him conspiratorially.

“You’ll have to scream something later.”

He raises his eyebrows at you.

“That’s presumptuous,” he says as he straightens and crosses his arms.

Well, ok. It’s possible you misread him. Maybe he was just angling for a good tip. You think of the other girls straining for his attention.

You shrug. “You caught me in a mood to grant wishes. But whatever.”

He gives you an unreadable look before he’s being called away again, and then he’s pouring drinks across the bar—and your face burns.

You’re suddenly irritated. It just feels like it’s been a day of teases—first your friend inviting you out then blowing you off, and now this guy who implied he’d like to fuck you only to back off once you called him on it. You could be home watching Netflix, not alone at a bar with only your phone for company. You dig into the bustle at your hip that’s really a bag and fish out a $20 and a $5—which may be a little over, but worth it in terms of expediency.

You slip off the bar stool and remove your coat from it, intending to shrug it on. It’s going to be a bitch to get home—the bus only coming every 90min at this point, so you may be in for a long walk if you don’t want to wait or splurge on a cab.

“Christ, you’re impatient,” comes a voice from behind you, and you startle.

When you turn, the Mary guy is behind you. You narrow your eyes at him.

“Dude, I’m not playing your games.” You jab your finger into his chest. “If you’re pulling some PUA shit on me, I’m not into it.”

He takes your elbow and guides back onto the stool.

“Since when is a free brooze a game? Just hang and enjoy the fucking beer I bought you, k?”

“I wouldn’t want to be presumptuous ,” you snipe, but allow him to help you back on the stool.

“And here I thought women liked a little flirtation.”

“Is that what you thought you were doing?”

He slaps his hand to his chest and makes a pained face.

“Mary get your dick back in here!” yells the other guy.

“Coming, Mickey!” he yells, his eyes still on you. He licks his lips and gives you another once over. “I have a break coming up,” he says as he backs away. “Stay.”

“MARY!”

You watch as he scrambles back behind the bar to close tabs and sling more beers. When he catches you looking at him, he winks. You just scowl at him. Some of the girls at the bar look at you with a mixture of curiosity, interest, and envy.

Whatever. Can’t shut this down.

You sip at the beer, growing increasingly more amused as Mary’s attention keeps drifting back to you. You raise your now half-full beer at him, eyebrow raised. The older dude—Mickey—wanders over to you.

“Well now, darlin’—I’m not surprised you caught our Mary’s eye, pretty thing like you. Be careful of that one though.”

You grin at him, showing teeth.

“He should be careful of me.”

Mickey blinks at you for a second, then bursts out laughing and throws his hands up. Mary is looking over at the two of you worriedly.

Time ticks on, and the beer that you’re purposely nursing goes down. Mary swings by every now and then, but never for more than a quip or two before he’s back doing Bar Things. It’s been hours , and honestly you’re pretty bored with just sitting at the bar waiting . And you’re definitely going to need a cab home because in these heels? No.

You decide, fuck it . It’s not like this guy was going to be amazing. You drain the rest of the beer, and decide to hit the head before heading out. It’s nearly midnight, so there’s no line or issue with the women’s room, and you’re basically in and out. When you leave the restroom, you’re startled again by Mary—who’s leaning against the wall, hands in his pockets.

“Hey,” he says. “Leaving so soon?”

You level a look at him. “I’ve been here for 6 hours.”

He scrunches his brow at you.

“Really?”

“So unless you’re going to fuck me soon …”

He pulls at you. “How ‘bout you take me home when I get cut, and I’ll fuck you into the mattress?”

You press your tits into him. “And will that be soon?” you ask sweetly.

“I’m here until 2, but—”

“Yeah, no,” you say, extracting yourself.

He bites his lip. “Well … I’m on my break,” he looks down the hall towards the bar, “but there’s probably only 10min left.”

You cross your arms at him. “So you’ll have 7min to spare.”

Mary straightens. “You’ve got a mouth on you.”

You lick your lips exaggeratedly and smirk. “I know.”

He grabs you by your wrist, and yanks you into his body, leering into your face. “Well, if you want me to pound you into tomorrow right now, I have no problem with that.”

He drags you into the men’s room, not even stopping to assess for casualties. There’s a guy at a urinal, but he doesn’t even look up as Mary ushers you into the stall. He runs a hand into your hair and grips you by the roots. You go with it, allowing him to tilt your head back.

He leans into your space to growl, “You better be fucking quiet.”

“I doubt it’ll be an issue,” you taunt, biting at him.

Mary pushes you back and shoves his fingers into your mouth.

“I told you to be fucking quiet.”

He crams his fingers further down your throat. When you don’t gag, his interest piques, and he spends about 30 seconds thrusting his fingers in and out of your mouth.

“Shame we can’t explore that,” he says as he extracts his fingers and wipes them on his jeans. Your eyes are drawn to the decent bulge at his crotch. When he tracks your gaze, he gives his dick a vulgar squeeze. “Is this what you’re here for?”

“It sure ain’t the conversation.”

“I’m tempted to shut you up with it.”

“ Promises ,” you purr.

You press into him, then reach under your dress to yank down your panties. You use the solid presence of his body for balance as you slide them down and then off one leg, wobbling a little as the loop catches on your heel. His arm reaches up to steady your elbow as you shake your boot free. He watches you, and you wink at him exaggeratedly as you stuff the excess fabric into the other boot.

“Been a while since I fucked a smart girl,” he quips.

You hook your hand around the back of his neck.

“What about me? Am I about to fuck a smart boy?” You grab his hand to lead to your pussy. “Make me wet for you.”

He’s quick to get with the program, and he cups you with his whole hand before his fingers explore between your folds. You pull his head down to engage him in a sloppy kiss, sucking at his tongue and biting at his lips. A finger presses shallowly into your hole, then smears your slick up to your clit. You moan into Mary’s mouth as the pad of his finger circles you a few times.

He repeats the process until you’re sloppy, spreading your wetness out and over your lips. He breaks the suction of your mouth to whisper into your ear. “If we had all night, I’d play your pussy like my guitar and make you scream until you were horse—and that would be before I fucked the shit out of you.”

Then Mary retracts his hand—wiping his fingers on his jeans again—so he can work at his studded belt and zipper.

“But I’m really looking forward to burying my cock in you before my break is over.”

He advances on you, but you stop him with a hand to his chest.

“Condom?”

He pauses to pat at his jeans before pulling out his wallet from his back pocket and extracting a condom packet. He hands the foil to you so he can shove his jeans and boxers down. His hard cock juts out from his pelvis, and you lick your lips. You open the packet, make sure the condom is correct side up, and then roll it down his cock as he grips at your arms. Then you turn around so you can brace your hands against the back wall and perch your foot on the toilet.

“Not your first rodeo, I take it?”

You glare at him over your shoulder.

“If you slut shame me I will punch you in the nuts and walk out of here.”

He shuffles closer. “No, it’s hot. You fuck a lot of dick in bathrooms?”

“A lady doesn’t kiss and tell.”

His hands run up your sides and then start to fiddle with the tails of your dress.

“So you should have no problem answering me.”

“You’re awfully glib for a guy who wants to get his dick wet.”

He’s still fiddling with your dress.

“I’m not the one who needed to fuck right now —christ what are these?”

“Just tie it in a bow!”

You feel the tails tug and tighten, then Mary crowds into your space. He rubs his cockhead through your slit a few times, and every time he hits your clit, you let out an Mmm . Then he presses at your hole and begins to slowly push in as you push back. You moan and he grunts as he sinks into you, a steadying hand at your hip.

He presses closer, his one hand bracing next to yours on the wall.

“This ok?”

“Oh god,” you moan as you clench around him.

“ Shit . I’m going to fuck you now.”

He gives a few experimental thrusts until he finds a good angle and rhythm—and then you’re in trouble. He curls an arm around your waist and begins to pound into you as much as the position and angle allows—which is more than enough to have you moaning out.

“Fuck, you’re tight. You feel so good around my cock.” He bites into your shoulder. “Fucking tell me you like my cock.”

“Fills me up so good!”

His cock does feel good—enough that you’re still wet—but definitely not enough for you to come. You try to take a hand off the wall so you can finger yourself, but a well-placed jolt from Mary has you sliding dangerously before you catch yourself. You try your other hand with similar results.

“What are you doing?” Mary pants.

“Need … my clit …” you whine.

The arm around your waist loosens, and Mary’s hand wanders down your stomach and begins to search around for access. He’s just about to dip down, when your trembling leg gives out and shoots across the toilet. You’re sure it’s about to go into the bowl, but then Mary’s hand is there, gripping your thigh hard to steady you.

“Fuck, careful.”

It becomes clear that Mary’s supporting arm around your waist is all that’s keeping your boot from sliding away, so he doesn’t attempt to finger you again. He’s panting into your ear with the effort of fucking into you and holding you up, and you feel him start to flag. He slows his pace to long thrusts, and you can hear the squelch every time he bottoms out.

“Are you at all close?” he wheezes.

“Not really.” All you can think about is the strain in your arms and the tremor in your leg.

He blows out a breath.

“I don’t know how much longer I can—”

“Just cum,” you say.

“Are you sure?”

“It’s fine.”

He grips you tighter as he speeds up, forehead pressing into your shoulder blades, and then he’s giving a hard thrust into you gasping, “Oh god, oh fuck.” He gives another couple of jolting thrusts into you, grunting, before the tension bleeds out of him and he leans into you. It’s too much strain on your arms, and you squirm with an annoyed Ok . He back ups, and his softening cock slips out of you. You shakily bring down your leg and push off the wall. When you turn around, you see that Mary has already tied off the condom and is pulling up his pants. You grab some toilet paper to swipe at yourself as Mary just stands there.

Frankly he looks a little embarrassed.

“I am actually better at doing that.”

You nod at him. “I’m sure.”

“I could—”

“I’m going to pee now,” you say, and make a shooing motion.

He blinks at you a few times, then back ups and slips out of the stall. You have to get your whole situation in order, so when you leave the stall, Mary’s no longer in the restroom. A drunk guy does a double take.

“Emeye the right place?” he slurs as he turns and misses the urinal.

You give him jazz hands. “ This is all a dream .”

When you get back to the bar, there are only the truly drunk left still standing—metaphorically speaking. Mary’s at the other end fussing with the cash register as the Mickey dude gestures at him. You grab your coat back up to put on—you already left the cash for the drinks and tip so there’s nothing left for you to settle up.

As you push open the door to the outside, you hear an exasperated Mary behind you, so you’re not surprised when—3 steps out of the bar—Mary grabs your arm.

“Wait!” he says.

You sigh, but stop. “I have to get up for work tomorrow and I’ve already spent my entire night waiting. It’s, like. Super late. What ?”

“Well I—don’t you think you deserve the full Mary experience?” He makes a sweeping motion up and down his body.

“Not tonight I don’t. Tonight I deserve a hot shower and my warm bed.”

“I will literally come by whenever and eat you out for hours. I owe you at least one phenomenal orgasm, but I’ll call the other nine interest.”

You consider him.

“C’mon,” he says swaying closer. “Give me your number, and I’ll show you what I can really do. Don’t you want this warm, wiggly tongue making you sing the high notes?” He goes to run his fingers through your hair, but you dodge and he drops his hand, his face falling.

He looks like a little boy who just got his favorite ball taken away.

You sigh.

“Tell you what: Uber me a ride home, and you can give me your number.”

“What?” he says, squinting at you.

“Consider it asshole tax.”

He stares at you, then he takes out his wallet and rifles through it. “I don’t have Uber—you know they’re anti-union, right? But here—” He pulls out $40 and extends the bills to you. “This is all I have. For a cab.”

You stare at the bills for a moment, then pluck a twenty from him.

“This is fine.”

You take out your phone and poke at it until you’re in your contacts.

“Here.”

He takes the device into his long fingers. He does the hunt and peck until his number is in your phone. When he gives it back to you, you see his number is under “Best Sex You’ll Ever Have”.

You snort. “Subtle.”

He sneers. “Can’t have you confusing me with your other conquests.”

You waggle your phone at home. “I’ll call you. And you better rock my fucking world.”

Once you get home, you basically collapse, and the next morning is hell in getting yourself up and alert—but once the day wears on, you find yourself opening and closing Mary’s number. It actually takes you two more days before you decide: Why not have fun with a booty call?

Me [4:37pm]: My pussy’s not going to eat itself.

⬅️Previous | Next ➡️

#mary goore #ofc #feral cats fic #gutter punk #gritty girls #my writing #original post #original content #been saving this one for a rainy day #🌧

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blackcoffeeprince · 4 years ago

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Heal yourself.

I want you to know about the greatness within you.

You’ve helped so many people as a pharmacist, especially in your Year 1. You took time out of your chaotic pharmacy to go and help old people find medications when you know their eyesight isn’t the best. You shake their hand, you pat their back. You reassure them that if they need any help that they will always have someone there. If your company is ever in a bind, you try your best to help them out. Period. You’re a soldier, a fighter.

You’re fiery in the best of ways. You’re really passionate about your interests. When you like a game, an artist, a singer, a t.v. show, an anime, or whatever the like you have, you learn every inch of it. Your face lights up whenever you talk about it. You’re passionate about the lore and knowledge of the fandoms you’re a part of. You learn and learn and learn. You could hold a really good discussion about the stuff you care about and that’s beautiful.

You’re disciplined at what you feel is the most important in life. You work out 16 hours a week. That’s a lot. You’ve gained 15 pounds this year, a good amount of that is muscle. You’re getting stronger as the year passes. Those student loans that you felt were suffocating you? They’re almost gone. You’re dedicated in your finances. You didn’t make crazy splurges. You’re almost debt-free.

I love that you can voice your mind with words. You can write how you feel. That is a alluring skill. People have fallen in love with your words, fallen in love with your mind. Your words have changed people’s perspectives. It has changed a world.

You’re a good friend. You have the ability to see the good in people, even in your worst of enemies. Your heart is kind and gentle at its core. You defend your friends, and you choose to see the best in them, even when they can’t. You spend hours listening to their worries. You try to give them words of encouragement, of healing, of empowerment.

You’re a good lover. You try to make sure all their needs are taken care of. You try to get them thoughtful gifts. You try to make them feel secure. You try to share their love and passion for things. You’re a great supporter. You put their needs first at times, and that’s not an easy thing to do. You try so hard to be selfless, to love that person unconditionally. You spend hours just trying to do one meticulous task for her.

You’re such a good son. You try to make your parents proud. You want them to be proud of you. You try your best to take care of them in your own way. You made a big dent in their mortgage. You’ve always dreamed of getting them a house that they can be proud of huh? You’re going to make that happen in this lifetime.

Your draw strength from the people around you. You’re loved, so loved. The letters written to you over the years by your friends and past lovers. People see good in you, even when you pushed them away. Even after the mistakes you’ve made. They choose to stay. They choose to be a part of your life. You’re so worth it. You’re so worth it.

I love you. Every bit of you. Your perfections and imperfections.

Look how far you’ve come? You’ve got a career you can be proud of. Your family is living in a home where you can be proud of. Money isn’t an issue anymore. You can eat all the sushi you ever wanted. You’ve down your best to try to be there for all your friends. You have friendships that have spanned for over ten years. You helped your past lovers, the best that you could. You fell in love with your best friend, and she fell for you too. Be happy. You’re 27. This isn’t even the end of your story yet. Look at the progress you’ve made. You fall but you always rise up again. You stand and you fight for your ideals. You stand up for what you believe in. You stand up for the injustices of the world. You donate when you can.

You are a hero. In the midst of all the darkness. You gave her light. You made her feel understood. You made her not feel alone in this world. You gave her hope. You taught her a little Vietnamese like she always wanted. You want to mend her and her parents relationship with one another. You want to help her sister out of her darkness. You want to help her out of her darkness. You’re trying so hard. I see it. You’re doing your best. I see it.

You carve destiny, a bright and beautiful one. Keep carving.

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ineedrelationshipadvice · 4 years ago

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gift giving is my boyfriend's love language. mine is quality time. how do I tell him that he doesn't have to spend a lot of money on me for me to still want to be with him? he's spent a lot on me in the past 3 1/2 years and I want to try and return the favor but I'm on a fixed income, most of my money goes toward bills and the one thing I was counting on spending at least $300 on him in a single day got cancelled this year. (1/2)

This can always be a confounding issue, because if you're two people that really get along, but you don't have very compatible "love languages," then there will be an inherent clash in how both of you are expressing your feelings toward each other. This is 100% one of the biggest problems in my current relationship, and it can seem a bit vexing when it can feel like you're "talking past" your partner just because of different world views.

The first thing you want to do to alleviate some of these issues is to express this. Have a talk about it. Do you two know about each other's love languages? Is he aware that you value quality time, and is he aware that YOU BELIEVE that his method of expressing attention to you is through gift giving? The reason I say "you believe" so emphatically is because, even though I'm trying to help you out right now, I have to assume you're an unreliable narrator. Just because you say something doesn't make it true. That's why you have to take the extra effort just to make sure.

Check in with him if you haven't already. Make sure that he understands what makes you happy in a relationship, and in the same hand, make sure that YOU understand what makes HIM happy. Don't guess; you must know.

But let's assume that you've already had this talk, or that you're going to have this talk the moment you're done reading this. What then?

One thing you can do is express your situation. Reaffirm to him that you care about him very much, but also explain your financial situation. He likely already knows about your money troubles, but it's good to remind him that any perceived lack of gifts that you may be giving him is not a sign that you don't love him, but is rather a sign that you just straight-up don't have enough money. I really want to hammer home on this point here specifically because of something you said.

"I want to try and return the favor."

NO BAD! This is an unhealthy mindset to have, from a financial, adult perspective. While it's definitely nice to "pay back" your partner for gifts that he's given, let's make this perfectly clear: YOU ARE UNDER NO OBLIGATION TO RETURN ANYTHING TO YOUR PARTNER. Let's say you and I are dating. I tend to like to give gifts to my partner; it's fun to make them smile. So I buy you flowers, maybe a video game, take you out to get new clothes, splurge on you. I do this with the only expectation of YOU BEING HAPPY, and MAYBE I'll have a selfish, ulterior motive that you make me happy in return. Not that I said I wished you would "make me happy," and not, "give me gifts." The gifts are not the point; it really is the thought that counts sort of situation. Anyone who gives a gift should not have an expectation for financial repayment; gifts are gifts, and gifts are a charity for fun and to make someone happy. Period. Asking someone to "repay" a gift is like someone donating to a homeless shelter and asking to eventually get paid back - that's just not how it works.

Just as your partner can give you gifts with not expectation of repayment - at least this is the perspective he should have a a mature adult - YOU don't have to give gifts to him if you don't want to or can't afford it. Again, I emphasize, IF YOU CAN'T AFFORD TO GIVE A GIFT, DON'T GIVE IT. If your situation does not allow for frivolous spending, do not spend frivolously. Your stability as a person is much more important than whatever thing you might spend money on.

Okay, but let's assume part of his "love language" is not just him giving gifts, but it also makes him happy to receive them. Again, make sure you're explaining your situation to him so that you can set his expectations properly on what kind of gifts you're actually able to give. For instance, my partner knows I'm broke as shit. I can't give her as many gifts as I would normally like to. So if her birthday is coming up, and I know I can't afford a gift, I'm just gonna tell her: "Sorry, my finances are super tight right now. I can't give you a gift. I'm sorry." I've had to say this to many people, and literally 100% of the time, the other person is like, "dude, don't worry about it." People understand. Money sucks, life sucks, people get it.

OKAY BUT WHAT IF YOUR PARTNER IS JUST REALLY DUMB AND JUST DOESN'T GET IT AND REALLY WANTS GIFTS.

For this, you're on the right track with trying to find cheaper alternatives that are both within your budget and are within his interests. This is just a basic skill of gift-giving, honestly, but one thing you should do is figure out what kind of gifts he actually wants? For instance, just last week, my partner wanted to give me a gift. I'm notoriously difficult to give gifts too, but she knew I wasn't feeling well, and saw a video game sale was going on, and asked me which game I wanted. I told her I didn't want one, and then she insisted on giving me a gift, and asked me to take some money so I could buy myself a nice meal. She knew that would make me happy, and she was right, so I accepted her gift.

Do the same with your partner! "Money is tight right now. I know you like gundams and figures/models. If I found one that fit my budget, would you like that?" This is a valuable question to ask, because the last thing you want to do is buy something, and he just straight up isn't interested in the gift. Ask him what he would enjoy. Maybe he's like me, and would actually really dig a meal. Maybe he's not really wanting to work with a gundam model, and would much rather something else instead. Worst case scenario, he wants some $2000 thing, and you'll just have to say, "Sorry, I really can't afford that, maybe later."

Finally, if you're really insistent on splurging for your partner, SAVE. I tend to be extremely financially conservative, to the point of asceticism and raw austerity; all my money decisions are hyper-practical, and I don't spend a dime I don't have to. My financial logic for big-ticket items, as such, is that if I want something expensive, I need to be able to afford it twice over. I needed to buy a new keyboard recently. The one I wanted was very expensive. So I made sure I had its price doubled in my bank account before buying it, because then I know I didn't really "lose" any money, and I can still afford all my bills. This means you have to be more patient and careful, but if you're already on a strict financial diet at the moment, that should be second nature at this point.

Either way, make sure that whatever you do, you base these conversations about gifts and money on communication with your partner. You both are trying to make each other happy, but love languages are only one method of communication. Your words are the more important one, so make sure you use those words and try to figure out the best common ground that works for all parties involved in your relationship.

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mygetitdone12-blog · 4 years ago

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Three Secrets to Avoid Drowning in Debt

Do You Feel That You Are at the Edge of a Debt Precipice?

It's an uncomfortable feeling. As each month's bills come in, you feel the temptation or the necessity of choosing the minimum payment option. That means there's more to pay next month, but you may have a fixed income job that won't give you extra to cover the credit debt.

And as you see the balances going up, you wonder what can be done to solve your debt.

Why It's Urgent You Know This Credit Debt Secret

Credit card companies do very well when you pay the minimum each month. They earn a lot of money off of you. Credit card annual interest rates can be as high as 15 to 20%, so maintaining a balance with them month after month gets to be an expensive proposition!

To put this in numbers, let's say you have a debt of $18,000 to the credit companies at a rate of 18.9%. If you pay it off over five years, you will be giving them almost $10,000 in interest! $10,000! What better things could you with that money? Do you even have $10k to spare? And if you don't tackle this problem quickly, it's only going to get worse.

But if you pay it off in just one year, your total interest will be less than $2000. There's $8K just saved. How about that?

What to Do Now That You Know This Explosive Secret

The first thing to do is to not let this happen. It is not just a function of money available, it is a function of mindset. True, if you really have no job and no income, money is a problem. But society will not let you starve, and either social programs or charities will help you out.

For most people who have some modest income but are facing this challenge, the first line of defense is deciding to not increase your debt. Making that commitment creates psychological momentum that will propel you to change the way you spend money. Commitment is a potent behavior-changing force.

But it is more than just changing a habit. Once the decision has been made, and the commitment written or spoken in front of others, it is time for Step Two.

How Powerful Is a Scoreboard in Fighting Your Debt?

Amazingly so. At a college football game, the scoreboard turned off in the middle of the first half. The crowd started to become distracted, to the point of hardly cheering when a touchdown was scored! Once the board came back on, the fans reengaged with the game.

Let's say you run a mile on the track with a stopwatch. Then let's say you do it without a stopwatch, and knowing you'll never find out your time. Which one of those runs will be more motivated and faster?

You need proper accounting on a regular basis. I recommend using one of the many excellent software programs out there. You can also simply create a spreadsheet.

Your task is to carefully chart how much you spent with your credit cards each month. Make a graph if you can. Treat it like a scoreboard. That will motivate you to do better and better. If you combine that with charting how much you owe the credit companies monthly and compare it with your new charges, you'll see clearly whether you are going up or sliding down.

Knowledge is power, and in this case, psychological power to get you excited about fixing this dangerous situation and proving that you can do it.

Break Free from Debt with This Powerful Ally

These three words that I'm about to share are the critical key in the success of the world's richest people. They are the approach and mindset of the highest achievers. The shining success you wish to achieve will be impossible without internalizing and implementing these three words. What are they?

· Who, Not How!

This rule, articulated beautifully by entrepreneur coach Dan Sullivan, is at the core of every great success story. Napoleon Hill, in Think and Grow Rich, tells how Andrew Carnegie made his riches in the steel industry while barely knowing how it worked.

How did he do it? He had those who were experts make it happen for him. He didn't waste time trying to figure out something that others could do easily. He focused on his specialty, business, and hired the steel experts to do the steel.

The same for you. If you are a little too close to that debt precipice, get yourself professional free debt help. My website https://get-me-out-of-debt.com provides a resource of free debt counseling for any US citizen with over $5000 of unsecured debt. There are resources to help with debt reduction, consolidation, renegotiation, and other solutions.

Make Who-Not-How Free You Up to Earn Money

Let's face it. If you were earning as much as you wanted, you probably wouldn't be reading this article. You probably wouldn't have a debt problem. The precipice wouldn't scare you, you'd have a comfortable glider at the ready.

So if you are going to spend your time figuring out how to resolve your debt, when are you going to invest your time in earning more money? The main benefit of Who-Not-How, aside from being effective in reducing debt, is that it frees you to focus on increasing your income.

And, needless to say, it's wonderful to be able to pay off all those credit cards in full in short order! Which, by the way, gives your credit score a major boost which lets you get a better job, a better mortgage, do all of the things that bad credit can really block.

Are You Ready to Stop Debt in Its Tracks?

So now I hope your mind is working. You realize that psychology and mindset are crucial elements in keeping away from the debt precipice. You've made a commitment, in writing and to your loved ones, to stay safe and lower your debt.

Then you engage the power of knowledge. You start tracking your finances on a daily basis, or at least three times a week. Using either software or a spreadsheet, you know how much you put on those credit cards every month, and automatically will think twice before using them again. This "scoreboard" approach will make it easy, even fun, to reduce your spending and your debt.

Finally, you may turn to a professional to guide you. They may help you consolidate your debt, dramatically lowering the monthly payments while boosting your credit score and turning things around for the good. They can do a lot more than just consolidation, though, as each case is unique.

Most importantly, you will be free to put your time and energy into earning more money with which to pay down your debt fast.

At the end of the process, you splurge a bit of money. But this time, it's justified. You just paid off the last credit card, and it's time for a party!

Seth Lutnick is a content creator on topics of personal planning, effectiveness, finance and debt. His website has all the resources you need to solve your debt challenge. Please visit https://get-me-out-of-debt.com

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stampederealty · 5 years ago

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Thing I Wish I Knew Before Building My First House...

Back in 2012 myself along with my now ex-wife embarked on building our first home together in a small Florida town by the name of Lake Wales, quaint little town at the southeast edge of Polk County. Back then I was a buyer, a very uneducated buyer (except for my HGTV Real Estate License LOL) and was in a rush to put my new wife into a house, so we did very little research and pretty much went with the first builder that would take us without a ton of stipulations. Looking back on the experience and getting underway with building my 3rd house (first in Alaska), and now armed with knowledge from being a licensed agent and hindsight, I’d like to offer you some of the things I wish I had known at the time BEFORE entering into that deal.

1) THAT REP IN THE MODEL CENTER DOESNT REPRESENT YOU!

If you’re like me circa 2012, you walk into the newly build model home and you’re taken aback by the engineered wood floors, the chef’s kitchen with Santa Cecilia granite countertops, the master bedroom with tray ceilings, huge walk in closet with the premium organizer, and upgraded master bathroom with the jacuzzi tub. YEP, THAT WAS ME TOO! You finish touring the home and the lady or gentleman is there to answer all of your questions about options, financing, timeline, the building process, home warranties, the different communities they can build in, everything your brain can come up with. While they are very helpful to you, just remember THEY REPRESENT THE BUILDER, NOT THE BUYER! They will be very helpful to you, yes, however their working on behalf of the builder, and the builders’ interest will come in mind first. It is best for you to find a licensed real estate agent who is familiar with the New Construction field that will be able to represent you, there is no fee to you as a buyer to have an agent represent you during the buying and building process.

2) YOUR WANTS NOW VS YOUR NEEDS NOW!!!

Ok, so now you’re sitting at the model home, you’ve chosen the model you wanted...BUT WAIT, THERES MORE...SO MUCH MORE!!! Now you get to choose things like elevation packages, the house color, cabinet colors and packages, door knobs, handles, carpet or wood or vinyl, bathroom packages, A TON OF UPGRADES, the works. Now, you remember when you first walked in and fell in love with the house? Yeah, that home isn’t what you’re getting, you’re going to get the basics, depending on the builder can be builder basic or some minor upgrades like granite instead of formica. Also, your choices will all be tied to other choices, so there’s lots of give-and-take when it comes to what you pick out. Example, I wanted darker cabinets, ex-wife wanted lighter cabinets, but the lighter cabinet color meant we had to choose the gold colored exterior. If we wanted white cabinets we’d have to upgrade to a different flooring package. This is where you have to make a list of the things you absolutely need now, what you can add later, then break that list down to what you know you can do yourself and what you know you’ll have to hire someone else to do. Flooring is usually an area that most can live with “builder beige” or vinyl for a few years then replace, screening in the lanai is something that could wait but you’d rather do it now than wait. If the option to have granite or quartz is there, make sure you cover your needs first, then go ahead and get the few splurge items you want. Usually builders will run a promotion to get people into the model that can deeply discount upgrades, if you’re not in a rush to build then wait until then. If you’re working with an agent, that agent can negotiate quite a bit into the asking price for the home the builder rep is asking...and speaking of which...

3) THAT PRICE IS VERY NEGOTIABLE IN SOME CASES!

Sometimes it’s the price that can go down, sometimes it’s the options that can be included at the price that’ll make it worth asking price. Yes, just like the price of a home already existing can be negotiated, the price of new construction can be negotiated as well. This is where working with an agent representing you comes handy. That agent knows the neighborhood, knows what the homes are worth, and can negotiate the price down on your behalf. As for the options that can be negotiated in, don’t expect a pool or jacuzzi in the backyard, however, upgraded countertops, air jet tub, upgraded flooring options, upgraded slider doors or French doors, yes, those can be negotiated into the builder asking price. You may be able to negotiate a couple items on your own, a licensed agent goes in on your behalf to help you get close to what you want at a better price.

4) ORDER YOUR OWN INSPECTIONS THROUGHOUT THE BUILD!

Think because it’s new construction that everything is perfect when the house is done? NOPE! After we closed and was handed the keys, we couldn’t get the hot water in the kitchen to work, one of the living room windows wouldn’t open correctly without force and later part of the mechanism fell apart, the pantry door fell apart on its own in the middle of the night within 3 months of barely any use, the stucco started to crack within a few months, and a digging up debris left by the trades in my lawn when I went to put in tiger lilies and new trees. This is where inspections come in. Yes, the builder will get things inspected in the end and at major milestones, however, you can hire your own inspector to go in behind that inspector to ensure the work and corners weren’t cut to minimize time on site. The inspector you hire works for you on your behalf, he is there to protect your investment, not the builder. If you are working with an agent, that agent can recommend an inspector that is top rated and deals with new construction and knows exactly what to look for.

5) FINAL WALKTHROUGH IS EVERYTHING!!!

So you made it through the build process, all of the trades are finished, and what was once a dirt lot and a pile of bricks and lumber is now the beautiful home of your dreams. You have stars in your eyes, visions of backyard barbeques, game nights in the living room, kids sleepovers on weekends, those rainy summer nights everyone is huddled around the TV with pizza and popcorn. Come back down to reality for a day, in particular, the final walkthrough. While the builder will come back for the first 2 years to fix anything, this is the time to flush every toilet, turn on the hot and cold taps, open and close windows, doors, turn on every light switch, open and close the garage door, do a thorough walkaround the house. The builder rep will have all of these things fixed before you and your family move in, reducing headaches and any downtime you may have to experience once you move into your new home.

There’s one last thing I want you to do...ENJOY THE RIDE! Yes, drive past the house (but don’t go in unless you have permission). Take plenty of progress pictures, imagine where you will place furniture, paint colors, the memories you’ll make in this new home. During the build, don’t think about mortgage payments, insurance or taxes, enjoy the build process and what’s to come positive. This is a great time for you, you should enjoy it!!!

#Real Estate #Real Estate Agent #Realtor #Alaska Real Estate #Florida Real Estate #New Construction #New Construction Home #Home #House #Dwelling #Residence #Semper Fi Home Guy

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seperis · 4 years ago

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I’m weirdly more horrified by the ‘investing money in the market, that’ll help’!

No. And I say this as someone who owns two stock accounts and a retirement account: it does not work that way. And certainly not with fucking index funds, holy shit.

Do you know what I use my stock accounts for? Its my emergency/savings/vacation account so I would actually have savings; investing means it takes three to five days minimum to get my money if I want to buy something, which really makes impulse purchasing hard. I didn’t do it with the expectation of making money--though I have, enough to take moderate vacations, buy a laptop or two, make larger (>$700) purchases, you know, things you save for; I did it just to get my money somewhere hard for me to spend it because I impulse shop, could not keep a savings account for more than a week, got myself into trouble with credit cards too many times, and my future seemed to include bankruptcy at some point.

For the purposes of a savings/emergency fun, it worked gangbusters. Like, better than I imagined possible.

I started right after the economic collapse of 2008 with about $200, back in the days it cost a fee to buy and to sell. I got on a plan for buying, set aside money ($200-$300) each month strictly to create the habit, and for the first six months, treated it like a somewhat expensive game I was paying money for to create a mindset that this money does not really exist you cannot spend it on anything. Six months, the habit of saving was set; I went up and down from $50 to $400 and down again (some months I put all my discretionary income in because I was really enjoying playing the Stock Market Game At Home like a lot, but those intense periods never lasted long).

For middle class and working class with some amount of disposable income and a real problem with impulse buying/saving who can afford to give up that extra money, I recommend it wholeheartedly, provided you mentally treat buying stock like buying a coffee; you will never see that money again, it is spent and gone.

This is not toothpaste money, gas money, food money, or even your two nights a month you get takeout money or your splurge for mental health like a weekly Starbucks on Monday to inspire you not to die at work money. This is money you won’t miss or money that using it for this won’t take away some of the smaller pleasures in life. You deserve to have them and you need them.

I’m getting off subject, tho.

The question here is apparently can you actually at a working class/solid middle/NOT UPPER MIDDLE class income make enough to noticeably add to your monthly income/become rich? Let’s say you contribute $100 a month.

Pretty much the same as winning the lottery. Yes, it can happen, but it’s a matter of you happen to be incredibly lucky and buy the right stock at a super low price that happens to skyrocket to a very high price and then split; sure, it has happened and will happen again, but unless you can see the future, picking the stock that will do all that--or even one of those things--is not intuitive or like, possible. Also, one time special dividends like Dr. Pepper did a couple of summers ago where for each individual share you got like, $100 in cash and you happened to have been buying Dr. Pepper stock for a few years.

Yes, you hear about this all the time, people getting super rich with $5 and hard work staring at a compute screen between their backbreaking job cleaning toilets with their feet and their second job letting rich people beat them for sport, debating between Apple and Hewlett Packard and Google and magically picking The Right Combination due to their wisdom and understanding of the stock market due to intensive research via google, but if this actually happened regularly to normal, not-rich, not upper middle class, not in finance or related to those in finance people, it wouldn’t be such big news when it does happen.

If you read the backstories and not the bootstrap framing, you might notice most of those people had a.) a large amount of money for the initial investment, b.) were related to stock brokers or people in finance, c.) came from money or were related to rich people who gave them money and advice and access to information about the stocks in question, d.) combination of two or more of the previous, e.) were daytraders or stock brokers with access to information and advice most people don’t have or have time to get, or f.) got stock options through the company and made out hugely at IPO, which generally means they had a pretty good job already and were making some decent money.

I am one hundred percent sure there’s someone who didn’t fall under these categories, and sure, you might be one of those people! Just like it’s possible any of the sequences of events in the Final Destination movies could happen to you. Actually, if we limit ourselves to the first and half the second movie, more possible. Yes, even the one you’re thinking of right now; yes, even that one. More likely.

The only two fairly sure ways to use the stock market to make money is to a.) have a lot of money to start along with a lot of knowledge and/or contacts in finance or b.) treat it as a full time job complete with not only knowledge but lots and lots and lots of research about not just the US but most countries in the world. My BFF’s dad was a home day trader, but that’s literally all he did all day every day. It was good income for the family, and selling it when needed helped them pay for their house, tuition for their kids, a house for his mother, but it did not make them rich, and this was a man who really knew what he was doing and did it for twenty years. And that was not their only source of income; they had jobs, too.

Using the simplest and ideal formula: I calculated once what it would take for me to average an extra $200 a month before taxes--that’s $2400 a year--in income from stocks. Not my entire income: not even FPIL aka poverty level income. Just an extra $200 a month. Under ideal conditions--and I mean IDEAL CONDITIONS--using an average of 5% return--that’s dividends or equivalent, cash money paid to me for owning stock--I’d need to have invested at very base level hope for the ideal outcome minimum $48,000, and hope every stock I invested in didn’t cut their dividend/have a bad year/abruptly go bankrupt.

For $200 a month. Assuming I kept that money and didn’t reinvest it all to buy more stock.

Between my (non-retirement) accounts I usually have an average of six to ten thousand dollars (depending on the price of my stock that day); I keep enough at all times to cover my basic expenses for about three to six months if I lost my job.

One of those accounts, my oldest, I don’t trade in at all anymore, I only go into when i get alerts like ‘this company merged with that one’, etc. It’s my emergency account only; the only time I buy/sell in there is when something happens with the companies I already own in there, so like, once a year. The other, which is with Stash, I’m more active in; this one is combined emergency/savings. I play with it pretty much several times a month.

Is that all I’ve saved over the years? No; I’ve probably invested $30,000 to $40,000 and my return average per year is 8% to 10% from dividends and sales (I have a fairly simple formula). Yes, that’s a lot of money, ti’s a fucking down payment on a house. Why do I only have six to ten now?

Emergencies. Tuition for my son. Sending him with his entire class on a senior trip. Buying a new computer. Going on a moderate vacation. Loaning money to friends or family and forgetting it’s a loan unless they remind me. Getting a TV. Christmas presents. Dental work. Medical bills. Unexpected bills miscellaneous. Making sure I never, ever go into credit card debt again, and this year has really tested that.

By my standards, I’ve been very successful at investing, because at base level, it did exactly what I needed: it gave me a savings account and a small cushion against emergencies and kept me from horrifying debt. My goal was never to make money; it was to stop myself from spending it. Nothing goes in that account I cannot afford to lose or pretend doesn’t exist. And honestly, it’s incredibly fun: I have entire spreadsheets devoted to tracking my stocks and researching more and wishlists and looking in satisfaction at my dividend percentages, but to be any good at this, I can’t think of it as real money that I could lose, or money I need to live.

Because I treat this as a game, I don’t panic when the stock market gets sketchy and make terrible mistakes; because this is a savings account, I only take risks with a limited portion (1/4 at best) of what I invest, while the majority is safely in well established dividend stocks; some of those risks paid off, but they’re not ones I would have ever done if I was thinking “i need this to pay for food”.

I’ve had small hits of almost astronomical luck: I’ve had stock splits that got me income, I’ve gotten free stock from an entirely different company because one of the companies I had stock with gave x number per share of the new company to everyone. I’ve gotten relatively large bonus dividends and returned capital (no idea, but it’s cash.) Could I have gotten rich from these? Yes. But only if I had a lot of money invested already at that point in those stocks and was fairly close to being rich already.

Having said that: I think everyone for whom it’s economically possible to try their hand at investing should consider it. It’s a very good way to learn that the stock market really genuinely is random as shit and follows no logic whatsoever, it improves your ability to do mental math like almost overnight, it teaches you how to research companies and what all those stats about them mean, it means you can mock finance people on TV knowledgeably, and if you really wanted to learn Excel but needed a project to motivate you, this is your thing. It’s fun if your tastes run that way. If you have problems saving any money because you impulse buy, if you really want to learn to save money and need to get into the habit, if you want a potential cushion for the future, I recommend highly: investing your money is super useful in putting up barriers to spending it. Also, spreadsheets are fun!

Under the following conditions.

Every dollar you invest, you can easily afford to lose; you always, always look at every dollar you invest as money you already spent; it’s gone. Stock market falls? You don’t care. You make money? That’s nice! Neither of those things happening will change your entire life for the worse or the better, but the latter may fund a new Kitchen-aid mixer or a new monitor or a root canal. If every company you invested in bankrupted, nothing would change in your life but you’d get to take a loss on your taxes and get a bigger refund.

If you want to invest to make money? Become a stockbroker or daytrader and do it as your job so you can get the contacts, the institutional knowledge, the networking with people in finance, and have the time for the research and education--either formal in college or on your own--to understand what you’re doing because your life now depends on the stock market’s rise and fall and making income-level money on the stock market is not actually easy to do.

Or to put this another way: if anyone could get rich from the stock market from their home in their free time if they just tried, then its kind of baffling how much stock brokers are paid and why the hell it’s considered a job. It begs the question why rich people are willing to pay them to handle their investment accounts a couple of orders of magnitude more than they pay the maid that keeps their house clean. Why not get the maid to do it as part of her job if it’s that easy to do that anyone could do it?

“Just buy a restaurant.”

…

I guess the solution to stress is becoming a landlord having more money. Who would have thought?

#investing #finance

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darspeaksout · 3 years ago

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“Raining On Your Parade”

Hey pussy boy, what the fuck it do?

Your girlfriend comes to me with all the shit you failed to do

She said you didn’t eat her right and that her pussy was so good you needed bed rest

Told me she was contemplating breaking up with you after you lasted

Only three minutes in bed

That dick game is weak

That bank account is skeet

Hate on her for having money while all you do is stay at home and play League

Leech off your parents’ cash as you sleep on their couch

Can’t even shave your dick on time for these pussy appointments

Shit, bro, you really are a clown

These boys put in zero effort then panic when I come around

I don’t even need to flex to show the outline of my chest

I don’t even need to sext to let them know I’m good at sex

I don’t need to say a word to make her fall in love with me

All I do is mind my business, can’t help if these losers get jealous of me

These insecure men are intimidated by their women’s finances

If you feel threatened she’s the breadwinner, then date a broke bitch instead

Y’all buy your cars and your sneakers and your expensive tech

But flip the script and double the standard when she treats herself next?

Y’all stay quiet when you can pay for dates and splurge on her endlessly

But all of a sudden got something to say when she can now afford a Fendi

You don’t want a girlfriend, you just want to control

I don’t discriminate between genders – men can still be stupid hoes

Y’all get paranoid when she starts to show some skin and dress a little sexy

Forgetting that out of all the guys who hollered, she chose you

So why the fuck should you be worried?

If your lady got it, be grateful and let her flaunt it

But if you got a problem, you can be a pussy boy and suck it

Pin her down in bed, don’t pin her down in life

‘Cuz she got options with that beauty and that charm of hers

And she can find another guy

Somewhere out there is the hotter version of you, a man more confident

You could even be him if you went to the gym, read a book, and instead of being a simp, used your fucking head

To all my straight fellas I must say sorry

I know we only met and I haven’t been that friendly

I didn’t introduce myself ‘cuz your girl already told you about me

About how I treat her right even though we’re not dating

How I take away her pain from hours of our late night talking

How I let her do what she wants and assume control

But that I’m there to listen and keep her on the safe side of the road

I’m sorry that she dumped your ass and is too busy being a hot girl

But you should’ve known what you were getting yourself into when you decided to date a hot girl

Can’t tame them, can’t hold them down, they say it’s a man’s world

But the world would mean nothing without a woman or a girl

I got her ex-man’s eyes glued to her IG wondering who it was she tagged

Then I stress him out even further when he clicks on my profile

And sees he has to make a follow request

I got her ex-man messaging her when she posts that new perfume

Saying, “Where’d you get it? Who bought it for you?”

It was me, pussy boy

I’m spoiling your girlfriend, what are you gonna do?

I got her ex-man worried so he asked his bros to stalk me

I accepted all their follows ‘cuz I felt like being petty

Put her initials in my bio with the red heart, chain link, and padlock emojis

She’s swiping right on Tinder as she laughs on my bed next to me

Didn’t rain on your parade, I took a shit on it

Then I sprayed some V.I.Poo ‘cuz I'm hygienic with it

Fuck your mascots, your balloons, I’m going up, up with it

Y’all try so hard to pump yourselves but really you’re just deflated

I’m chilling at the summit, call me Everest, my style is elevated

Her new man’s dick got some girth, need the radius to measure that circumference

I got straight guys in my DM’s asking how I did it

I got straight guys wondering if I really fucked their girlfriends

I got straight guys thanking me for being gay as soon as they find out

‘Cuz if I were straight I would’ve taken all these girls

And have them wrapped around my arms

- dg

#poetry #gay #lgbt

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claricequinntaylor · 6 years ago

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Minimalism with Money - How to get out of debt quick and easy!

We spend too much money on things we don’t need. Rather it is some splurge item you found on Amazon to the pack of Oreo’s at the grocery store (I am guilty of this). We have all done it! Its not something to be ashamed of, BUT it is something that you should be aware of, something that you should be conscious about. A Huffington Post Servery from 2012 states:

"Half of those surveyed do not set monthly savings goals for themselves, according to the survey. Of those who are spending more than they earn, 36 percent are dipping into savings, 22 percent use a credit card and 8 percent are borrowing money in other ways."

This is crazy! I know people in my own life that will spend up to 80% of their monthly income on stuff that they don’t need, things that they can do without. For those who don't know me. My name is Clarice Quinn Taylor, and I used to be just like you. I am just like you in many ways still. I have issues with my money. The biggest issue I currently have is my $6000 in debt that causes me to have to rethink everything I do.If you are in the same boat as me or fast approaching it, this channel and this video is for you.

So a little background into who I am. I am currently 22 years old with a sitting $6,000 in debt. A few years back I was just out of high school, working at Starbucks part time making about $500 a month and spending way more than that on crap I didn't need. I was buying video games, going out and paying for my friends dinner, spending money on my new to me 1973 Chevy Camaro That I spent over $6,000 of my savings to get and restore. Yes, the smartest thing I could possibly do with my money while I was currently running up my Credit cards paying for this expensive lifestyle was to go and buy an expensive car that cost too much in gas. Long story short I was just like the majority of people with a spending problem. Spending money that I didn't have on things that I didn’t need or really have a use for. Around the same time I got very interested in Video Games and decided to go and buy a brand new $700 Xbox and a brand new custom built gaming computer that cost over $2,000. After all these purchases I still didn't feel complete.

That is the point I am trying to make. These purchases, these items. Belongings. These items I have surrounded myself with did me no good whatsoever. They didn't serve my future. Yes, a cool car and a nice computer is nice but for a now unemployed 20 something girl that has dreams of moving to Los Angeles, Ca these spending habits would not do anything but harm to myself.

So, fast forward to three months ago. I am sitting in Los Angeles, Ca spending over $1000 a month on rent, food, car, etc.. you may be asking yourself, "Clarice, how does this have to with minimalism and money? you’re just telling us that you are terrible with money and cant stop spending." Well here is the huge change that came into my life this past April.

I am sitting on My phone scrolling through Facebook, watching Netflix on my desktop computer and mindlessly watching a YouTube video about cool things to buy on amazon that I hadn't collected already and suddenly something dawned on me.

WHAT THE HECK AM I DOING?! I have been sitting here for the last three hours doing nothing. I moved to La to start a modeling career and do acting! What the actual fuck am I doing with my life. This needs to stop.I took a deep breath and closed my MacBook and set my phone down, and opened a new link to YouTube and typed in the following.

"How to minimize your phone usage"

The first video that showed up was a guild on how to set up your phone like a minimalist and how to start using it less.

This took me down a rabbit hole of minimalism. It started with my phone. I got rid of my fancy colorful wallpaper and chose the black background that had no picture on it. Next step I deleted almost every app I had on my phone INCLUDING FACEBOOK! and then organized it to fit my workflow schedule so I could be more productive.

From here I found a few videos on how to minimize debt, your schedule(So I only do things that I want to do) and everything in your life, including money. I will be making videos on all of these things, but for now. I want to start with this big one thing.

How becoming a minimalist will improve your pocketbook and cause you to spend less on stuff that you don't need and in result help you get out of debt.

This first step is easy:

1.) Start a Budget:

What I suggest is start a budget for yourself, either online or on a sheet of paper. The first month you do this. Don't make any changes to how you usually spend money or anything. You can even take a look at the previous months spending's and write them down and from that you can tally them up and know exactly how much you spend each month. I personally use a app called Mint, it is a budget app on your phone and your computer that helps you manage your budget, go over goals that you want to set for your finances and tracks your spending. I have known about this app for year now but I only recently started using it to its fullest potential! You can even link mint with your bank account, credit cards and savings account to automatically track all of your spending and this will give you a clearer picture of your finical health.

After you do this you will be able to have a overview of your spending and be able to manage your money in a clearer way now that you can see it all.

2.) Take a Hard Look at Your Debt and Find a Way Out.

One thing most people my age and even older don't realize fully is the strain of having massive debt causes on your life, and even your ability to do the things that you want. After setting up my budget with mint and getting everything that I wanted, out in the open I realized that the amount I was spending per month to pay it off was less than the monthly interest on my debt itself. Lucky for me a friend told me about this really helpful company and App called Tally. What this company does is pay off your credit cards every month and clump them into a single payment that you pay to them, and lower your APR on top of that.

So For example, I have three credit cards all at 25% APR, I am paying about $50 on each card and with my interest charge every month I am paying about $20-$25 a month in interest charges EVERY MONTH on each card. SO in short about half of what I am paying is going straight back into my debt with means it will take me about 25% longer to pay it off if I were to just pay off %0 every card a month. Now if I was paying just the minimum amount of $25-$30 a card that is basically like me paying $5 off my debt every month. This is assuming I am not spending anything on credit at the same time.

With this, it is easy to see how personal debt can pile up so quickly. That is why I like Tally so much. They actually have me a APR of 15% and they would pay off my credit cards up to $5,000 and make the monthly payments on my cards so I didn't have to pay each card off and deal with the APR on each. and once all of the cards are paid down you are only left with paying tally one lower easy payment a month. Now that you have a lower payment you have more cash flow to either pay off more debt OR you can stop using your credit cards to buy things and you can fast track your way out of Debt.Lastly, Tally right now will give you $50 just for signing up towards your first card payment when you sign up with my link! You're welcome! <Join Tally>

3.) Cut Ties with Credit Card Debt

- This is probably the hardest step in minimizing your debt and stopping spending on things that you don't need. If you are serious about getting free from debt I want you to right now. Go and get a pair of scissors and cut up all of your cards and throw them away. This way you will no longer be able to use them and you do NOT need the card to make any payments whatsoever. Just do it, thank me later. This step was the quickest, but the hardest part of this whole process.

After I did this it took me about a year to pay off all my debt, loans and cards to become free from debt and become the best version of myself. And after you do this, you can no longer use these cards to spend spend spend and eventually with smart budgeting and using apps like mint and Tally(Like I do) you will be one step closer to finical freedom and finical success.

I will be writing these posts every week to give you a better idea of my journey and to keep giving you tips on how to unlock your own personal finical freedom! It is hard to do this but with my advice and help I know you can get to where I am today and become the best version of yourself.

#Money #Minimalism #Money with minimalism #minimalist #money advice #Money managment #Tally app #Mint app #credit card debt #freedom #financial freedom #financial succuss #get out of debt #debt relief #money magic #financial diet

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