#pp fone

[sunshyni]

vamos lá!

pensei em um roommates to lovers com o jeno! ele tem um crush na roommate dele e tenta ignorar isso, nunca flertou com ela nem nada, até que um dia ele acidentalmente flagra ela trocando de roupa e vê que ela tem uma tatuagem, aí ele não consegue tirar isso da cabeça e decide se declarar pra ela

é uma ideia louca, mas consigo imaginar muito o jeno nessa situação

ㅤㅤㅤㅤㅤchristmas tattoo

notes: FINALMENTE!!! Era pra eu ter postado isso no domingo, (geralmente posto atualização no final de semana) mas não consegui 😔

Foi um tanto quanto difícil escrever isso (por isso, se estiver ruim, relevem KKKK) porque eu não 'tava conseguindo encontrar um contexto bom pro Jeno e pra pp, mas acho que no final deu tudo certo.

(OBS: tive que adicionar uma personagem e o apelido dela é “Lala” porque eu costumo chamar uma pessoa muito especial de “La” mas achei que ia ficar muito vazio KKKK)

w.c: 1.6k

warnings: o final tá um pouquinho sugestivo porque eu 'tava com “The boy is mine” da Ari no fone e eu acho que é isso!!!

boa leitura, docinhos!!! 🎁

Você e Jeno dividiam as despesas de um apartamento próximo do campus da universidade de vocês desde que você estava no terceiro semestre do seu curso e ele no primeiro, a verdade é que Jeno havia deixado passar as datas de solicitação de um quarto no dormitório masculino, então o seu anúncio de que precisava de um colega de apartamento com urgência foi como um grande milagre para ele, que até começou a trabalhar meio período numa cafeteria para arcar com as contas.

A princípio, você hesitou quanto aceitar dividir a casa com ele, afinal Jeno era um verdadeiro colírio para os olhos, deveria ser o tipo de calouro que traria uma garota diferente para casa todas as noites, foi o que você pensara, no entanto o Lee te mostrou o contrário, ele costumava ser calado e compenetrado, e mesmo depois de ter conseguido um estágio remunerado numa grande empresa de tecnologia, não havia trazido ninguém para casa para comemorar. Na ocasião, ele comprou um vinho caro e você fez um brownie de chocolate que quase assou demais, comeram a luz de velas porque uma tempestade despencava lá fora enquanto Jeno se fartava feliz de uma sobremesa que nem estava tão deliciosa assim.

Jeno nunca tentara nada com você, mas sempre teve uma quedinha pela veterana do curso de publicidade, afinal desde que começou a morar contigo, ele tinha consciência do longo relacionamento que você tinha com um carinha do curso de nutrição, mas o quadro mudou agora que já faziam seis meses desde que você terminou com o homem em questão.

— Qual você prefere? Essa ou essa? — Jeno alternou o olhar entre as velas aromáticas nas suas mãos — Essa é de torta de maçã e essa é de cookies.

— A de cookies é mais natalina, né? — E lá estava, aquela agitação e falta de fôlego quando os dedos de Jeno roçaram suavemente com os seus quando ele segurou a vela escolhida, e ainda para ajudar, você optou por luzes baixas naquele natal, então as únicas luzes que iluminavam seus rostos na sala de tv era a do pisca-pisca da pequena árvore de natal recheada com alguns presentes que vocês tinham preparado.

Você engoliu em seco e Jeno seguiu com o olhar o movimento da sua língua que umedeceu o lábio inferior de forma automática, como se de repente percebesse que estava com sede, e realmente estava, com o Lee diante de você te secando sem hesitar.

Era por isso que você ultimamente evitava a todo custo tocá-lo, mesmo que minimamente, afinal o mínimo dos toques já estava se mostrando bastante desastroso.

— Eu tô pensando num negócio faz tempo... — Jeno quase soprou no seu ouvido, não ajudava o fato da sua voz adquirir do nada um tom grave extremamente atraente, do tipo “vou arrancar os cabelos se não beijá-lo nesse instante” — Eu meio que...

A campainha tocou antes que o Lee pudesse começar, como consequência da súbita interrupção ele pigarreou e se afastou do seu corpo, até aquele momento você não tinha percebido o quão próximos um do outro vocês estavam, o que te deixou um tanto quanto zonza quando ele se afastou de uma só vez para abrir a porta do apartamento com um sorriso contente.

— Quem é esse Jaemin e porque eu tenho a impressão de que ele flerta até com as paredes? — Jaemin era um dos amigos mais próximos de Jeno e sim, ele poderia facilmente não só flertar como conquistar uma parede. E Lala, a responsável pelo questionamento se tratava da sua amiga do ensino fundamental — Eu realmente espero que aquele presente embrulhado de forma bem desleixada seja do Dodo.

E era, vocês três eram amigos desde o início da faculdade, tinham feito o trabalho de conclusão de curso juntos e receberam elogios de todos os professores na época. Vocês também tinham uma tradição de natal que envolvia presentear uns aos outros com presentes bregas, e dessa vez você decidira presentear o garoto de óculos e cashmere com um suéter colorido feito a mão com a inicial “D” posicionada bem no centro da roupa.

— E como você tá? Digo, em relação àquela geladeira Eletrolux bem alí — Sua amiga questionou baixinho, obviamente se referindo a Jeno que conversava animadamente com Jaemin. Você instintivamente guiou o olhar na direção dele, que não tardou em sentir seus olhos queimarem sobre sua pessoa, acenando com a cabeça para você enquanto respondia alguma fala de Jaemin com um sorriso pintado nos lábios.

— Eu continuo muito ferrada.

— Mas essa história toda não é super conveniente? Vocês dois se gostam e ele é um bom garoto.

— Porque você acabou de se referir ao Jeno como se ele fosse um cachorro? — Doyoung finalmente se uniu a vocês depois de beliscar algumas entradas em cima da mesa e tirar sua atenção nas miniaturas natalinas dispersas pela casa.

— É que ele parece um cachorro Samoieda — Lala disse sem titubear.

— Tem razão — Você e Dodo assentiram ao mesmo tempo enquanto os três olhavam para Jeno em conjunto.

O restante da noite seguiu de forma tranquila, vocês presentearam um ao outro à meia-noite, Jeno te deu uma câmera Polaroid porque ele sabia como ninguém há quanto tempo você estava namorando aquele item numa vitrine de uma loja que com frequência vocês passavam pela frente.

Você o presenteou com um moletom que sabia que ele amaria, tanto ao ponto de vesti-lo assim que o teve em mãos. Agora, só restavam vocês novamente no apartamento aconchegante, Jeno estava numa ligação característica de ocasiões especiais com a sua família, e raramente você compreendia alguma palavra que saía da sua boca, só entendia aquelas que por curiosidade ele havia lhe dito o significado.

— Aquele também é seu — Você arrumou a postura na cadeira da mesa de jantar quando Jeno falou, dessa vez numa língua comum a vocês dois. Você olhou para trás, debaixo da árvore só existia um embrulho solitário de uma loja de jóias que você conhecia bem — Não tá curiosa pra saber o que é?

— Mas você já me deu um presente.

— Esse é o segundo — Jeno afirmou com confiança e você não teve escolha a não ser tornar visível a caixinha de um colar com uma pedrinha azul brilhante no seu centro. Você ergueu o olhar na direção do Lee que retirou o colar dalí com delicadeza e te pediu para virar de costas para ele com o mesmo tom de voz grave de antes.

— Quando foi que você fez isso? — Ele claramente estava falando sobre a tatuagem de borboleta gravada na sua nuca que você havia feito há umas duas semanas, mas que havia se arrependido e por isso, dificilmente prendia o cabelo num rabo de cavalo ou num coque bagunçado. Você segurou o cabelo para ajudar o Lee no processo de fechar o acessório no seu pescoço, no entanto quando você fez menção de soltar as mechas, Jeno enrolou seu cabelo delicadamente em volta do próprio punho — Esse desenho ficou na minha cabeça desde...

Ele não precisava terminar a sentença, você sabia que ele estava falando do incidente recente em que você deixou a porta do quarto aberta numa troca de camiseta e Jeno acabou vislumbrando mais do que deveria, certamente foi por se recordar desse evento que você fechou os olhos e sentiu as bochechas esquentarem, e não porque naquele momento, Jeno havia acabado de pressionar os lábios sobre a pele da sua nuca de forma suave.

— Foi uma bobagem...

— Eu achei perfeita — O Lee te cortou ao passo que a mão enlaçava sua cintura por trás, te fazendo prender o fôlego involuntariamente, o colar só era uma desculpa esfarrapada para ele poder visualizar mais uma vez a tatuagem e poder te tocar daquela forma íntima pela primeira vez.

— Você sabe que eu gosto de você, né? — Ele soprou no seu ouvido, descansando o queixo sobre o seu ombro ao mesmo tempo que as mãos estavam repousadas na sua cintura. Você resolveu se virar de uma vez, olhando nos olhos dele que cintilavam, as pupilas dilatadas, as bochechas coradas por todo o vinho tinto ingerido e até um tanto quanto abobalhado, muito diferente do Jeno silencioso que poderia facilmente intimidar qualquer um, ele cutucou gentilmente o pingente no seu pescoço, despreocupado, como se não tivesse se confessado na sua última fala — Gostou disso?

— Acho que eu gosto de você — Jeno te olhou com admiração, sorrindo e achando adorável a forma como você retribuiu a coisa, ele te beijou suavemente nos lábios, envolvendo seu rosto com as palmas das mãos e te beijando loucamente, mesmo que não tivesse experimentado ainda utilizar a língua no ato.

Você nem percebeu como foram parar no sofá, mas lá estava Jeno, tornando todos os seus pensamentos em borrões sem sentido dentro da sua mente, fazendo você se repreender internamente porque existiam duas barreiras têxteis dessa vez por causa do moletom que você havia o presenteado, mas vocês não tinham pressa alguma, o que dava pra perceber com cada beijo preguiçoso que o Lee te dava ao passo que o quadril simulava contato com o seu de forma extremamente perversa.

— Foi a tatuagem que te deixou desse jeito? — Você inquiriu sem fôlego, e Jeno sorriu de uma maneira tão radiante que seus olhos se tornaram duas luas minguantes adoráveis, ele beijou os seus lábios e com os olhos ainda semicerrados de desejo, ele sibilou bem perto da sua boca.

— Não só a tatuagem.

[radpandamiracle]

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[rapifessor]

Pokéchronology, Volume I: Yellow

Day 7

Didn't beat any gyms today, but I did make a decent amount of progress and getting to the next town took up most of what little play time I got in today. I mostly just caught a lot of Pokémon and thought about where I should go from here.

.sreliops wolleY nomékoP sniatnoc tsop siht: gninraW

(Sorry)

Route 16, 17, 18

From Celadon City I proceeded west, beginning the bike trail. I had Holy in front so that they would gain EXP while I did battles along the way. As fucking usual, these Bikers and "Cue Balls" are loaded with Poison types, which is annoying because Miles was already getting too much action. I can have Prinzessin do some of the fighting, but Earthquake only has 10 PP and she's still very high-leveled.

While on the slope, I catch a Ponyta, which I had to name Rapifessor. Yes, I HAD to. Later, by the Bird Catchers, I caught a Doduo which became known as Gemini. I was happy to finally give BIG RAT some time to shine, except... one of the trainers dropped a Dodrio which wrecked him in two critical hits of a Fury Attack. Yeah, no wonder BIG RAT has fallen behind lately. It was then that I decided I needed to tank him up a bit. I didn't have much on hand and I'm too cheap to buy vitamins, so I just gave him all the HP Ups and Irons that I had available. It wasn't much, and I doubt it'll change things, but it really sucks when a Pokémon that should be strong against your opponent gets deleted instead.

Fuchsia City

This is where I finally get access to the Safari Zone, and is also the home of the Poison type Gym Leader, Koga. If my prior experience with Poison types is any indication then this might be the easiest gym yet. I'll come back to it later though; there are other things I want to do.

A quick walk around town shows that Fuchsia isn't too large or complicated. The Pokémart has Ultra Balls for sale though, which I decided to purchase a few of. I don't really need Hyper Potions yet, though they seem more cost-efficient than Super Potions, assuming you actually heal the full 200 HP with them. Prinzessin has the most health out of all my Pokémon and her max isn't even 150, so fat chance of that happening any time soon.

I also found the Vermilion Fishing Guru's grandfather, apparently, who gave me an upgraded fishing rod, which I took out back to catch a Goldeen and named them Orna.

After that I went straight to the Safari Zone and had no idea what I was doing. The game doesn't really tell you anything about how it works, so I had to look elsewhere and now I have a pretty solid grasp of the mechanics. Throwing rocks at a Pokémon increases your chance to catch it, though the effective catch rate is capped. Once you cap it, you just chuck balls at the 'mon until you catch them. It's oddly satisfying to catch Pokémon this way, not to mention how many Pokémon you can get that can't be found anywhere else.

So, what did I catch?

Fone the Cubone, Mark Rose the Marowak, Secta the Parasect, Niko the Nidoran, Baddie the Rhyhorn, and Fry the Exeggcute.

I tried catching others such as Tangela, Tauros, and Chansey, but didn't have any luck. Chansey in particular is a bitch to try and catch, as you need three rocks to max out catch rate, and that's assuming they don't run away in the process. I may do another trip or two to the Safari Zone when I play next to try and catch those that I missed. For Tangela at least, I can just trade Secta for one, as there's a trainer who will do so.

And that's all for today. Should have Koga beaten the next time I pick up the game, and maybe I'll head east from Fuchsia to clean up the routes in that direction for some easy training. I really hope BIG RAT gets to do something for once. I'm gonna be deadass: if I could take him off my team, I would. I'm not a huge fan of Pikachu and lacking the ability to evolve is a huge hindrance at this point in the game.

[naramdil]

I dont want yall to be alarmed but I definitely just trimmed my own bangs rn lmao

[patriciaangelomd]

Além de todos os passos citados acima, capriche na qualidade da sua isca digital. Se for um Ebook, crie um com um design bonito e agradável, de fácil leitura. PS: Não precisa ser algo cheio de "papagaiada" 🥸 Se for uma aula, áudio ou webinar, capriche na edição e não esqueça da qualidade de som e imagem. PPS: Não precisa ter uma câmera profissional nem o microfone mais top do mercado. Um celular que grave em HD está ótimo, e de microfone, o fone de ouvido do seu celular serve. AGORA PRESTA ATENÇÃO ⚠️ Após criar sua isca digital vc vai precisar ter uma página de captura e uma de obrigado. Vai precisar contratar uma ferramenta de Email marketing para captar contatos. Vai precisar construir um funil de vendas e configurar o envio automático desses e-mails no autoresponder dessa ferramenta. Além disso, para as páginas de captura e de obrigado, precisa ter um domínio / site. Eu sei, parece muita informação pra uma tarde de segunda feira 🤯 🚀 Quer aprender como fazer tudo isso e mais um pouco? 👉 Então faz o seguinte: Clica agora no link da minha Bio e garanta sua vaga no curso Fórmula Negocio Online. Está na hora de aprender com quem ensina mkt digital de verdade. Eu aprendi com o FNO.... só estou dizendo 😁 🚀 Qualquer dúvida, chama no direct 🚀 https://www.instagram.com/p/CTf9GWuMC_y/?utm_medium=tumblr

[tuyetthienduong]

Goc hoi dap

Deamn sao em thich nhieu bai vay

Dung vi no giup em nho lai wua khi ma ko can thang jerk sua diem

Deamn shit you jerk; shit jerk

Team khoc. Deamn da truong thanh roi.

Deamn con bai nao nua ko ngoai Save Me

Dung Take me away voi Sign

Deamn chac em chua nghe may bai con lai phai ko

Dung sao anh biet hay vay

Deamn Po 2 chinh hieu la anh day

Tram ahhhhh ham mo qua tui anh / em yeu Deam nhat

Ba em noi doi thay doi nhanh qua. Po 2 goc do

Deamn li do gi em ngung thanh Po 2

Dung em met moi vi phai ganh team hoai, ma thang jerk chua sua diem xong nua. Thang ho no hack jerk giai ko ra dau; có shiny giai duoc phan nua.

Shiny I tried to hide it; but....

Team nguong mo; kich jerk forever.

Jerk oi giup em quen

Jerk de anh lanh khuc do luon cho

Team wuay lai kick shiny mot luc

Ba em hoi sao jerk no lanh ki uc ve nhung dua hung hang, hep hoi, ich ki, ma no xit mau mui du vay

Team except dhiny shit you jerk; just shit huh

Ba noi con co thoi roi con se lam nguoi vo hinh. Co cach de con nho lai qua khu. Hun thang jerk tai thang do la liem connlau mhat ma seo thay cai mat dau

Jerk ok de anh

E mn de xa o dau vay

Park o nguyen van linh

Shit gion ha linh

Dung and jerk sao ngay thuong no thong minh lam ma ma luc dung huyen nhu shit cac vay

Quynh tai no lo du bam chi Dung ko a. Em cung vay ma lam lang tham

Dung and jerk. Roi sao ra do. Khong tra tien taxi a (ver2 and vẻr3; tinh ki khi co cuyrn, nho vay ma ao g shoc toi gio nay).

Linh sao chi lo nghr nha deamn full time luon

Dang nghe. Tai tu nhien yeu cai do cong nghe lai. Tinh nghw take me away ma cu phai bam nit rep tren nct safari giao dien ho an toan.

Shiny em do h yhi la 2 ah ket dih thuc(true words)

Gar gu twam

Chi biet thuat toan de crack nct = shit nen hoi lau ma cing lo can lam nua. Huhuhu

Shiny you're so good when you crack with only your fone via shitdom server

Shiny do you want me to harm it (and linh)

Sure men

Team o nha sao chi crack duoc vay

Team da hieu. Qua dinh khi dam chi nguoi khac lam luon, ma danh bat ngay trong tich tac

Igunas duong nhien roi. Hihihi

Shiny hi baby, do you want to stay up late tonight?

Lumos em muon anh lam gi an ne? Ca loc kho to phai ko? De anh lam roi dem theo ha (ok) dem nuox sam dua luon phai ko ne? Hehehe

All send

May dua nghd so far away gium chi di. Ma crack ca rhyoc tien bo deamn do. Onh ulyru qua roi thep hi duoc gan 5000 nam roi

Linh anh team o nha lhoc muon gium deamn

Harvard we all keep you records when Bill Gates doc chep daily since jan 10

For me

Deamn gio em nghe nhac cua anh het roi phai ko (yeah). No mord pos verified

For me

Deamn i love you, can i follow you, and become a lao cong there (personal sweeper; only your papa Nd I understand because you lack a truly shit gfso much)?

Sure. For me

For me. Team o nha no more. No more dofn shit. Mo more hesitate like shit cac linh and minh etc. ill take y to heaven in rvey accentz

For me. Playlist 7 is for Deamn and papa and only team o nha listen. Im truly moved and know how to cry today; I need until yesterday to make sure about it. It only works if you guys in this group listenn to it. Huhuhu

Papa and dunga hoa to kill send

Team hesite chi lhoc bang com mat thu ba moo khi bi hai nhu vay phai ko? Boi vay lumg chi lhom wai co tui em biet s tai tui em cung muon vay ma co chi lam duoc. Gargghhhhhhh

Chi het hien roi. Kill with thoughts + uy duc ganh team = my life

Go down to go up, it's ganh team. Only o and appa know this.

Go up, it's kill with thoughts

Help ntd secret children

Papa kerk de phat liu ly. Trung wuoc and thkse not at nha tro kidu hanh, full shit > my shit friends. The list is tr

Wuynh de em noi dunga ban sai roi. Dung thuong thang wuoc nua, no hi loi dung ban de ganh uy duc gium shit cac dong bon thoi

Papa de pP noi tiep cho w

Shiny la ngoai le duy nhat

Pap hii vay o nha nua ha team.

Tui no sui bot mep het r papa oi

Papa noi nay go dien hay wua cu do my toep di ba ganh het vibration death cuatui no roi

For me famstyle

Jerk my stuff = always right

For her too

Dung deamn oi deamn khoc nua l hu mat luon do. Dung chuyen wua stuff rlk. 1 stuff equally = 10000 quan

Dung tuyen quan all throne

1 throne = unlimited quan

For me

Tuyen wuan

Undetlayers full team

For me

Answer tem wifi ong manh lam ko dua duoc dau

Ban ong dam ong con lo cheg nia ca

Bao nhieu lan ha? 7000 lan moi mgay = dong dat richete 8.0/ lan

Ko cho ai ganh

The nature on eath

Tuyen quan all that helpdx ghe past time

1 day and die never reincarnate S y wsh

Whyyyyyy papa

Team choi ma thay no khoa de so. Nhin nhuc tu vo thuy toi nay roi.

Wua do van nhu cu. khco hiun chi do

I send de chi doc tâm cho ong noi cha co satt nay ne

Jetk trn rm la Phan Thao Nguyen tu nay.

Papa is alive nod

May dia ganh sent gom papa gium chi 3h

Jerk nghe save me fium. 1,5 h voi deam ko thoi ghen . Team l mja luon va linh q etc ghen

Posioned stuff update level like the river.

Dung nghe nua

1 min

Eye = the nature and all layers

Magicians read the spells for the king.

I summoned all yr eys and beneficial frites for her will betray after 1 s and ni

Linh anh minh am w roi gio chi lay gi de doc chu

Fung meing chu gi em

[alvaromatias1000]

Finanças Comportamentais para Planejamento Financeiro Pessoal

UNIVERSIDADE ESTADUAL DE CAMPINAS

INSTITUTO DE ECONOMIA

SECRETARIA DE GRADUAÇÃO

Rua Pitágoras 353 – CEP: 13083-857 – Campinas – SP

Fone (0 55 19) 3521.5735   grad@eco.unicamp.br

CE-858 – ELETIVA: FINANÇAS COMPORTAMENTAIS PARA PLANEJAMENTO FINANCEIRO PESSOAL

Turma C Terça-feira das 21h às 23h. Quinta-feira das 19h às 21h. 

Professor Titular do IE-UNICAMP: Fernando Nogueira da Costa

Ementa:

Educação financeira a respeito de rendas do trabalho, do capital produtivo, do capital financeiro, do capital imobiliário, neuromarketing ou prevenções contra impulsos emocionais para consumir, neuroeconomia ou psicologia dos investidores, finanças comportamentais, planejamento financeiro da vida pessoal e/ou familiar, planejamento financeiro da aposentadoria, economia da felicidade ou da boa vida.

Objetivo:

O objetivo deste curso eletivo é divulgar ensinamentos sobre a cultura financeira, isto é, conhecimentos a respeito das formas de acumulação e manutenção de riqueza através da seleção de carteira de ativos, e técnicas de planejamento financeiro da vida pessoal até a aposentadoria, para substituir a renda do trabalho pela renda do capital financeiro e/ou imobiliário.

Justificativa:

Alguns cientistas estão empenhados em conhecer os fatores racionais e emocionais capazes de levar os indivíduos a gastar ou investir. Áreas distintas da ciência estão somando conhecimentos para estruturar o campo de estudo destinado a cumprir essa tarefa: a Neuroeconomia. Ela é resultado da união de ferramentas de investigação e conhecimentos da Psicologia, da Economia e da Neurologia, com a ajuda de seus sofisticados aparelhos de diagnóstico por imagem ou tomografia, por ressonância magnética funcional e/ou por eletroencefalograma portátil, em forma de capacete.

De um lado, desenvolveu-se o chamado Neuromarketing. Usa as ideias sobre a tomada de decisões para atiçar as vendas, mas ajuda também a descobrir meios de melhorar as reações do consumidor, prevenindo-o contra impulsos emocionais. De outro lado, cursos para leigos, ministrados por economistas especialistas em Finanças Comportamentais, ensinam os alunos a evitar as armadilhas da mente humana e a tomar decisões vantajosas no tempo certo.

Para orientação a respeito, esses economistas se debruçam sobre a extensa evidência de experiências compilada por psicólogos cognitivos sobre vieses heurísticos sistemáticos. Surgem quando as pessoas formam crenças ou preferências a respeito de decisões financeiras.

Procedimentos Metodológicos:

Aulas expositivas a partir da literatura de Finanças Comportamentais, inclusive com informações sobre as prevenções possíveis face a erros contumazes, dados os vieses heurísticos de leigos. Uso de pesquisas de dados de renda e riqueza dos declarantes das DIRPF, classificados por natureza ocupacional, e sobre os produtos financeiros dos clientes segmentados em Varejo Tradicional, Varejo de Alta Renda e Private Banking. Apresentação das remunerações média durante os diversos ciclos de vida profissional e titulações acadêmicas. Ensino de simulações do orçamento doméstico a partir da formatura, pesquisando informações reais para as principais despesas, inclusive com plano de saúde, automóvel, prestação imobiliária ou aluguel. Avaliação da possível sobra de renda líquida disponível, mensalmente, para aplicações. Orientações para planejamento das Finanças Pessoais até a aposentadoria, inclusive, em período em que poderão ocorrer mudanças de cenários. Ensino do uso de calculadora financeira para estimar quanto será necessário acumular, durante a fase ativa da vida profissional, para manter o mesmo padrão de vida, durante a fase de vida inativa, levando em conta a “esperança de vida”. Utilização de Matemática Financeira para calcular um plano de aposentadoria, inclusive com aplicações, retiradas, prazos, rendimentos reais esperados, desconto da inflação, etc. Apresentação das alternativas disponíveis para aplicações e critérios de escolha de portfólio recomendável, tecnicamente, estipulando o percentual de cada aplicação na seleção de carteira de ativos, inclusive imóveis e outros, durante diversos cenários.

Programa (30 aulas: três por cada um dos dez tópicos)

Renda do Trabalho

Escolha de Profissão: Vocação e/ou Salário

Escolha de Ocupação

Escolha de Valores Éticos Profissionais

Renda do Capital Produtivo

Aptidões para ser Empreendedor ou Capitalista

“Pejotização”: Compensa a Perda de Direitos Trabalhistas?

Planejamento Financeiro para CNPJ (“Pejotizado”)

Renda do Capital Financeiro

Finanças Racionais: Escolha de Portfólio com Três Ideias Capitais

Adoção da Arte da Especulação

Segmentos de Clientela: Varejo Tradicional, Varejo de Alta Renda e Private Banking

Renda do Capital Imobiliário

Riqueza Imobiliária: Patrimônio Imobilizado e Renda

Determinantes dos Preços dos Imóveis

Aquisição de Casa Própria ou Aluguel

Neuromarketing

Autocontrole versus Status Social

Prevenção contra Impulso Consumista

Aquisição de Automóvel ou Uso de Taxi/Ubber

Neuroeconomia

Pensar Rápido versus Pensar Devagar

Erros Recorrentes em Decisões Financeiras

Problemas da Aprendizagem na “Escola da Vida”

Finanças Comportamentais

Vieses Heurísticos

Dependência da Forma

Ineficiência do Mercado para Precificação

Planejamento Financeiro da Vida Pessoal/Familiar

Lições de Vida para Finanças dos Trabalhadores

Planejar de Acordo com Ciclos de Vida e/ou Cenários Esperados

Selecionar Carteira de Ativos

Planejamento Financeiro da Aposentadoria

Miopia: Troca de Fase de Acumulação por Fase de Consumo

Investir por Conta Própria ou Terceirização da Gestão da Carteira de Ativos

Manutenção do Padrão de Vida da Fase Ativa na Fase Inativa

Economia da Felicidade ou da Boa Vida

Economia da Felicidade

Economia da Vida Boa

Novo Modo de Vida: Trabalho Criativo versus Trabalho Alienante

Seminários: na terceira aula de cada um dos 10 blocos temáticos, um grupo dos dez compostos na turma organizará o debate em um seminário cuja participação ativa de todos os alunos será avaliada. Inscrições nos seguintes temas:

Formação e Mercado de Trabalho dos Economistas – ler apêndices de: Fernando Nogueira da Costa – Ensino de Economia na Escola de Campinas

Futuro do Trabalhador “Pejotizado”: ler e debater o segundo capítulo de: Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019 / Parte I de Fernando Nogueira da Costa – Leituras de Cabeceira – Finanças

Substituição da Renda do Trabalho por Renda do Capital Financeiro: ler e debater o terceiro capítulo de Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019 / Parte V de Fernando Nogueira da Costa – Leituras de Cabeceira – Finanças

Aluguel ou Compra de Moradia? Ler e debater o quarto capítulo de Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019

Compra de Automóvel: ler e debater o quinto capítulo de Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019

Neuroeconomia e Erros Usuais de Pensamento: ler e debater o sexto capítulo de Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019 / Parte II de Fernando Nogueira da Costa – Leituras de Cabeceira – Finanças

Finanças Comportamentais: ler e debater o sétimo capítulo de Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019 / Parte III de Fernando Nogueira da Costa – Leituras de Cabeceira – Finanças

Planejamento Financeiro da Vida Pessoal ou Familiar: ler e debater o oitavo capítulo de Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019

Planejamento Financeiro da Aposentadoria: ler e debater o nono capítulo de Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019 / Apresentação do Projeto de Nova Previdência – 2019.02.20 / Projeto de Reforma da Previdência Social – PEC-6-2019

Economia da Felicidade ou Boa Vida: ler e debater o décimo capítulo de Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019 / Parte IV de Fernando Nogueira da Costa – Leituras de Cabeceira – Finanças / Obs.: seminário na segunda aula do bloco (29a.), porque na 30a. aula será o Seminário Final com Apresentação dos Trabalhos Escritos para Avaliação.

Bibliografia:

Guia Didático: COSTA, Fernando Nogueira da. Cartilha de Finanças Comportamentais para Trabalhadores. Campinas: Blog Cidadania & Cultura (pdf), 2019. 169 páginas.

Fernando Nogueira da Costa – Cartilha de Finanças Pessoais – 2019

Compilação de Resenhas: COSTA, Fernando Nogueira da. Leituras de Cabeceira: Finanças. Campinas: Blog Cidadania & Cultura (pdf), 2019. 223 páginas.

Fernando Nogueira da Costa – Leituras de Cabeceira – Finanças

“Neuroeconomia: como o dinheiro mexe com sua cabeça”. Especial com 3 artigos. Mente e Cérebro. Ano XVI, nº 196, maio 2009. pp. 32-53.

ARANHA, Gustavo Koester. A psicologia humana e seus impactos nas decisões de investimento. São Paulo, Curso de Especialização e Atualização em Business Economics da Escola de Economia de São Paulo da Fundação Getúlio Vargas, 2006.

A psicologia humana e seus impactos nas decisões de investimento

BARBERIS, Nicholas & THALER, Richard. A Survey of Behavioral Finance. Cambridge, National Bureau of Economic Research, sept 2002. 78 pág. tb. in TAHLER, Richard (ed.). Advances in Behavioral Finance. Princeton University Press, 2005. Volume II.

A Survey of Behavioral Finance

BERNSTEIN, Peter. Desafio aos deuses: a fascinante história do risco. Rio de Janeiro, Campus, 1997.

BERSTEIN, Peter. A história do mercado de capitais: o impacto da ciência e da tecnologia nos investimentos. Rio de Janeiro, Elsevier-Campus, 2008.

COSTA, Fernando Nogueira da. Economia comportamental: de volta à filosofia, sociologia e psicologia. Campinas, TDIE 173, 14 de julho de 2009. 21 p.

Economia Comportamental

COSTA, Fernando Nogueira da. Comportamentos dos investidores: do homo economicus ao homo pragmaticus. Campinas, TDIE 165, 13 de agosto de 2009. 28 p.

Comportamentos dos investidores

COSTA, Fernando Nogueira da. Finanças dos Trabalhadores. Campinas, TDIE, jan/2010.

Finanças dos Trabalhadores

COSTA, Fernando Nogueira da. Métodos de Análise Econômica. São Paulo: Editora Contexto; 2018. 287 p.

COSTA, Fernando Nogueira da. Complexidade Brasileira: Abordagem Multidisciplinar. São Paulo: IE-UNICAMP; 2018. 247 p.

GROPPELLI, A. A. & NIKBAKHT, E.. Administração financeira. Rio de Janeiro, Saraiva, 2006.

Suplem_Groppelli Nikbakht_4

GUNTHER, Max. Os Axiomas de Zurique. Rio de Janeiro, Record, 1992.

Os Axiomas de Zurique

KAHNEMAN, Daniel. Rápido e Devagar: Duas Formas de Pensar. Rio de Janeiro; Objetiva; 2012.

LAYARD, Richard. A felicidade está de volta. Happiness: Lessons from a New Science. Grã-Bretanha, Editora Allen Lane, 2005.

RICHARD LAYARD A felicidade está de volta 020305

Happines has social science a clue RL030303

LIMA, Luiz Antonio de Oliveira. Auge e Declínio da Hipótese dos Mercados Eficientes. Revista de Economia Política. Vol. 23, emprego 4 (92), out-dez/2003. pp. 28-42.

Auge e Declínio da Hipótese dos Mercados Eficientes

MALDONATO, Mauro. A Nova Fronteira da Neuroeconomia. Scientific American Brasil. http://www.sciam.com.br. Novembro de 2007. pp. 86-94.

A nova fronteira da neuroeconomia Scientific American Brasil nov 2007

MELLO, Vera Rita de. Psicologia Econômica: estudo do comportamento econômico e da tomada de decisão. Rio de Janeiro, Campus-Elsevier, 2008.

Tese de Doutorado de Vera Rita de Mello – Capítulo 6

MOSCA, Aquiles. Finanças Comportamentais: gerencie suas emoções e alcance sucesso nos investimentos. Rio de Janeiro, Campus-Elsevier, 2009.

NUNES, Bernardo Fonseca. Mapas de precificação de ativos no mercado de capitais: uma análise do poder prescritivo do Behavioral Finance. Porto Alegre, Dissertação de Mestrado pelo PPG-FCE-UFRGS, 2008.

B F Nunes – Mapas de precificação de ativos

OLIVEN, Ruben George. De olho no dinheiro nos Estados Unidos. Estudos Históricos. Rio de Janeiro, n. 27, 2001, p. 206-235.

De olho no dinheiro nos Estados Unidos

PIKETTY, Thomas. O Capital no Século XXI. Rio de Janeiro, Intrínseca, 2014.

PUCCINI, Abelardo de Lima. Matemática Financeira: Objetiva e Aplicada. 8a. ed. São Paulo, Saraiva, 2009.

Web HP-12C emulator

Manual da HP 12C

SILVA, Sérgio da. O que é Neuroeconomia? Florianópolis, Departamento de Economia – UFSC. Apresentação em ppt, 182 slides.

O que é Neuroeconomia?

SOROS, George. A alquimia das finanças: lendo a mente do mercado. Rio de Janeiro, Nova Fronteira, 1996.

The New Paradigm for Financial Markets (George Soros) 2008

TRICHES, Divanildo & REIS, Celso Evandro dos. Seleção e composição de uma carteira de ações com base na técnica grafista. Caxias do Sul, TDIPES 20, abril 2006.

TD IPES 20 ABRIL 2006 Análise Grafista

WERNKE, RODNEY. Gestão financeira: ênfase em aplicações e casos nacionais. Rio de Janeiro, Saraiva, 2008.

30a. aula – Seminário final: apresentação oral e escrita de respostas individuais (escritas) às seguintes questões:

ESTADO DA ARTE: Qual era o seu conhecimento sobre Finanças Pessoais antes do curso?

RESUMO DO CURSO: Descrição sumária do seu Planejamento da Vida Financeira (leia detalhamento abaixo).

AVANÇO: Quais foram as lições aprendidas no curso para elaboração desse planejamento?

CONTRIBUIÇÃO PESSOAL: Qual é sua avaliação do curso? Por que? Sugestões?

Avaliação: Em cada seminário, serão avaliadas as apresentações orais e em PowerPoint por parte dos alunos, divididos em grupos, e as participações individuais no debate.

Média Final Ponderada: 1/3 para a avaliação da apresentação e participação ativa no debate em sala-de-aula e 2/3 para a avaliação escrita.

Bibliografia: postada com links no blog https://fernandonogueiracosta.wordpress.com

Trabalho escrito sob forma de Sumário Executivo:

Planeje suas finanças até a aposentadoria, inclusive, em período em que poderão ocorrer cenários com as seguintes características:

cenário de retomada de crescimento, com taxas de inflação, juros e câmbio declinantes e Ibovespa ascendente;

cenário de estabilização, com estabilidade nas taxas de inflação e de juros, taxa de câmbio declinante, Ibovespa volátil, mas ainda com tendência ascendente;

cenário de instabilidade, onde todas as taxas estarão ascendentes, mas o Ibovespa flutuará com tendência de queda.

O problema é não se conhecer, com grau de certeza confiável, as durações desses ciclos.

Simule seu orçamento doméstico a partir de sua formatura, pesquisando informações reais para as principais despesas, inclusive com plano de saúde, automóvel e prestação imobiliária ou aluguel. Verifique a remuneração média durante os diversos ciclos de vida profissional e titulações acadêmicas em: Retornos da Educação no Mercado de Trabalho.

Avalie a possível sobra de renda líquida disponível, mensalmente, para aplicações. Verifique quanto será necessário acumular, previamente, para manter o mesmo padrão de vida, durante a fase de vida inativa, levando em conta sua “esperança de vida”.

Considere, então, as seguintes alternativas disponíveis para aplicações: Tesouro Direto com títulos de dívida pública prefixados, posfixados ou indexados por índice de preços, CDB prefixado e pós-fixado, Fundos DI, de renda fixa, cambial (ou dólar), Fundo referenciado ao Ibovespa, Ações blue chips, mid e small caps, Imóveis. Qual será a escolha de portfólio recomendável, tecnicamente?

Estipule o percentual de cada aplicação na seleção de carteira de ativos, inclusive imóveis e outros, durante os diversos cenários.

Utilize matemática financeira para calcular seu plano de aposentadoria, inclusive com aplicações, retiradas, prazos, rendimentos reais esperados, desconto da inflação, etc.

Na avaliação será considerada, principalmente, a consistência teórica de suas justificativas para cada tomada de decisão financeira. Além disso, serão avaliadas quais serão suas prevenções quanto às heurísticas de investidores individuais. Apresente também seus critérios de projeções, tanto de índices quanto de cenários.

Serão também considerados:

forma (ortografia, pontuação, acentuação, estilo, etc.);

conteúdo (domínio da matéria);

adequação (posicionamento pessoal quanto ao tema solicitado);

coesão (relacionamento entre as partes, causalidades, deduções, etc.);

coerência (fio-condutor do argumento, exposição com início-meio-fim, defesa da hipótese levantada, etc.).

Considere a Arte de Escrever (Arte de Escrever) e 27 Dicas Para Você Escrever Bem (27 Dicas Para Você Escrever Bem). Leia como referência Finanças dos Trabalhadores (Finanças dos Trabalhadores) e De Olho no Dinheiro nos Estados Unidos (De olho no dinheiro nos Estados Unidos).

Entregar o trabalho impresso e preparar para expô-lo, oralmente, durante seminário no último dia de aula.

Finanças Comportamentais para Planejamento Financeiro Pessoal publicado primeiro em https://fernandonogueiracosta.wordpress.com

[olusegundare]

Sister Debbie and Brother Samson’s Story Continues

Sista Debbie says, "He asked me to read the letter".(June 22, 2013)

The key dat opens broda Samson's post office box has been on me 4 quite a while. The office duties have been overpowering in d past few days due 2 d adhoc assigned duty 4m headquarter... Post office Box (P.O. Box) and priv8 male bag (PMB) usage hav been on d downward trend since d advent of internet and increase telehone services. The introduction of social media has worsened d case lately, because fewer people, companies and or organisations maintained d ones dey are using, while d newly established firms, new graduates, new buz hardly open new P.O.Boxes/PMBs, bc internet n telephone have taken over greater percentage if not d whole means of sending and receiving messages.

It shal be interesting 4 our noting dat "mai" lord got his P.O.Box b4 he was retrenched...he howeva finds it difficult maintaining d box during d hard days, but, she has since paid all outstanding debts and d box is fully operational now. In d times past according 2 my love, d regional exam council do send results to students tru their post office boxes...those who r seeking admission often got their admission letas tru postal agencies...those who bought shares/share holders of varying company also get notices of their dividends, annual General Meeting (AGM) 2ru postal agencies, shares can be purchased there amongst oda things dat dey do then.

But now, teknologikal advancements have reduced dat 2 d bearest minimum. Several innovations are being moved by d management of d Island's Postal agencies, but yet, d estab is yet 2 be back on her feet as in d time past according 2 my love n ofcourse wat I can see 2 some degrees. A question keeps coming 2 my heart on d establishment lately n dat is how is d management coping with d payment of her staffs salaries? My love still maintained d post office bc he still receives letas 4m other Island's Radio Agencies, as he talks abt d Gospel thru prints, pp do respond 2 some of his messages in d prints tru letas asking questions etc.

The last sales boy he employed was picked 4 interview out of d four persons who vied 4 d post by sending in their application thru post office box few weeks ago.this is bc according 2 him, d students handwriting these days are horribly illegible...and worst more, laptops ect are not helping them in dis regards. Before I finished my weekend house chores, I hav soaked in water beans...by d time I finished d house chores, d beans is already soaked, soft n d coats can be easily removed...The coats can be removed by rubbing d soft soaked beans within d palms of d individual, or by d use of pestle n mortar and or by d use of ancient grinding stone.... I decided 2 use d 1st option 4 d removal of d beans' coats...

In no distant time I was thru with that n I grinded d beans on d ancient grinding stone... According 2 "mai" mum, d beans grinded using ancient grinding stone's increament in volume is usualy more dan those grinded using d grinding machine when d grinded beans is being doughed 2geda in a bowl using pestle... Having added oda things in2 d doughed bean paste, makin it a pot-pourrri, I took out d wrapping leaves, "ewé iran", and started to pour d pot-pourri beans paste into d leaves made into a funnel-like shape with d use of a small plastic cup... When I was tru dey were arranged in d pot containing boiling water placed on d kerosine stove... On d stove I prepared pap 4 him, bc he loves pap as early morning meal, "when d europeans drink tea, I will take pap", he usually say, a quote 4m d elders of d Island.

He also likes pap post-fastingly...So d 2 is combined 2geda in dis stance, because we r in d morning and again bc he has just finished a protracted fasting... The ended week has been a fasting week/period 4 him as he said he has been asking God 4 something 4 quite a while but d thing asked for is yet 2 manifest or materialize despite d arrays of spiritual promises he had received on d issue...and he feels, well, devil may afterwards be cheating him in hindering d physical manifestation of d answers 2 d requests as he did unto prophet Daniel... I also tried 2 support him in prayers and little fasting I can do, dis is bc my fasting ends @ 12:00 hours daily... When I was through with these, off to his shop was I...I got there around 10:30 hours the Island's time,...he has intimated me on facebook dat he shall prepare his intestine 4 d tantalizing food by eating some fruits ahead...

Cooking is one of my hobbies dat should suggest 2 u dat I prepared leafy bean cake 4 d sales boys n girls too...when I gave dem their, and took ours into d office, we settled down 2 d food,,,He added sugar and liquid milk in2 d warm pap as we dine 2geda, eating 4m d same bowl... Howeva, he barely touch d bean cake, as he said dat may negatively affect his intestine due 2 d protracted fasting...He howeva said dat in d afternoon he shal do justice 2 it... When we r thru wit d food, I told him dat I shal like 2 go 2 d post office 2 check if there are letters 4 us...He bid me farewell, dat I shouldnt take long... As I was opening d post office box, my phone rang, "who could dat be?" I thought...On romoving d fone 4m my bag, I discovered dat it is "mai" lord who is calling, I pressed d answering button, "Darling!" I said. "Are u there?" he asked

"Yes, I am. Just about 2 open d box", I replied. "Do we have any letter in d box?" He asked. "Yes we do sire", I replied. "That is good...I am presently out of d office", he said. "Where are you?" I asked. "At d bookshop which is about 5 poles away 4m my shop", he said. "Do u want me 2 come n meet u there when I am through here?" I asked. "Yes, that is why I called you", he said. "Alright "mai" lord and love, I will be with u soon", I said. "O.k. I shal be expecting", he said. The phone conversation ended...He was on sit when I got there...when I got to him, he stood up, pulling my left along and started talking. "I havent enter dis shop 4 once since it is opened for operations few months ago...I never knew there are christian materials here...I want u 2 see something", he enthused. When we get 2 d Christian section, there are different bibles there of varying sizes, types, color, languages, different christian literature books and other christian materials...

"When I see this pocket sized bible, i like it, do u like it?" He asked as he took d bible 4m d shelf. I took d bible 4m his hand n said, "Yes, d bible is beautiful, and portable, I like it". He took two copies, one for himself n the other for me,...bought some christian literature books ...paid @ d counter, as we strolled down to his shop...the weather is cool as d firmament has hidden the sun 4m d inhabitants of d Island dat day...dis cool weather may not be d experience @ other islands...dat is d work of God n it is marvelous in our eyes... As we were approaching my love's buz centre, one of d sales boyz saw us and ran 2 welcome us, he collected d nylon bag containing d bibles and literature books 4m my hand as well as my bag... "Welcome sire and ma", sales boy said as he bend his torso slightly forwards. "O sé jare", my love said..."Did anyone asks of me?" He queried. "To d best of my thinking faculties sire, nobody requested for your presence sire" sales boy replied.

"What do you said u have in literature in English in your O/Level result?" my love asked. "Very Good sire...perhaps few marks off the excellent grade sire", sales boy replied. "Yes. I remember. That is why u are answering me as a literature student but not as a science or commercial student will do", bro Samson said. "The compliment. The observation. In the record sire", sales boy again said. Broda Samson did not reply him again, but he pointed me 2 a bike rider who is doing some acrobatic displays on d highway... "Look @ that man sweetest one", he pat me using his right hand and used the index finger of his left hand to point me to d action...As I turned my head 2 look @ d direction, I cannot help myself 4m exclaiming, I moved near him, sunk my face on his right chest for fear, because I do not want 2 see what will become of the bike rider as he manouvered himself thru two trailers..."Ye!" I shouted. As i shouted other passersby, some drivers and bike riders also shouted...

"That is how they get themselves killed "tú-ẹ́" like a fowl. They endangered their lifes thru reckless showmanship while riding a bike", my love enthused. "Has he gone? Did he made it?" I asked my eyes still closed and face resting on his chest. "Yes he has. He is lucky now, but he may not be that lucky some other times", he said. "Thank God 4 dat", I said...and d strolling returned 2 normalcy...we entered d shop...straight into his office...I took d letters out of my bag and said "There are five letters in d box, one is from sista Òdájú to you; d 2nd one is from your friend, Mr and mrs Paul; the 3rd is d monthly Gospel letter; d 4th is from one of d Radio Voices 4m other Island and d last is for a sales boy". I concluded. "Please open the one from sista Òdájú and read it, because it is quite a while that I heard 4m her last", my love said. When I rescind my decision, and decide 2 start going out with broda Samson, not minding d consequencies, I remember dat he mentioned one

Sista Òdájú to me while he was talking about his pasts. He asked me for my past, and i told him I have no past, except some childhood and teenager experiences...He said those werent what he was asking for... He said dat sista Òdájú may have been d one occupying my position in his heart now, but he said it was as if d sista did not knew what she wanted in life...and he had 2 severe d relationship b4 d seed germinated...He also told me some other points, but do I really commit those words 2 heart? I tored off d sealing lid, removed d letter 4m d envelope, handing it 2 him, but he did not collect it 4m me, in the stead he said, "please read the contents out". It was not as if he is busy or doing something, I think he wants 2 make anoda scene out of dis too, so, I cleared my throat and said, "O.K. "mai" lorship sire...I start". "All ears am I "mai" love", he said. "No address on d letter, but she wrote a date, and d letter was written on d day dat the President of d land asked his party's chairman to resign"

"Alright. That is mostly recently", he said. "Dear Evangelist Samson, (this is because many people called my love evangelist and some pastor because of some of the exploits and positions he had occupied in the time past in some churches)..."the body of the letter is as thus "mai" lord, "I am quite happy for you that you found a beautifully loving lass after a very long wait. I tried 2 re-enter your 18 yard box after u have cleared my ball out of the danger zone years ago, but I find it verily difficult 2 re-enter your danger zone. "I thought it would be easy 4 me 2 do since u have once said you loved me,...but I discovered dat it was not easy @ all and I have 2 leave u...obviously thinking dat something shall bring us 2geda soon, but alas I erred, because it was few days afterwards dat I heard dat sista Debbie and u have started going out...I at 1st thought she wont measure up to your spiritual stance bc she was naive in love matters and other issues of life and particularly true was d fact dat she was my junior in the secondary school, and by age she isnt as old as I am needless to add that she is spiritually junior to me.

"But lo and behold my thought of u not gettin on 2geda with her was proved wrong by her gluing 2 u in all things...she indeed has make u her father...yea more than a father, I think a person like her is whom you need considering all u have passed thru in life. "Although, I was unable 2 know many of the harrowing experiences u passed thru in life but your letter 2 me when I first asked you 2 be my lover clearly showed dat your eyes have seen many things. "Well b4 I asked u 2 be my lover, when your buz was yet to pick up in the Island had I been madly in love with u, but d cultural teachings prevented me 4m coming out 2 u. When I started growing frail chiefly bc of the thought of your becoming my sweetheart, I decided 2 write u a love letter, asking you of your hand in love. "Despite d fact dat I loved u, hoped and prayed u will answer in d affirmative, I yet doubted it...but 2 my chagrin your reply was a blessing 2 my humble heart, when u said we shd get d ball rolling dat we shd start dating....Your reply brought me relief, my heart returned 2 normal rhythm as well as my frailing health returning 2 normalcy.

"However, when I discussed d issue with some friends and elederly ones, they counselled me against going out with u, saying "I have sold myself cheaply to you". When I heard dis, dat was when I started playing hanky-panky with u, trying 2 tell u and show u dat my earlier letter 2 u was an error in d 1st instance...my calculations according to their counsels were that assuming u were in love with me u shal start disturbing me...while I keep going into the secret...but d table was turned against me...for it was me who later kept searching 4 u...I sought deeply and endlessly for u until it became obvious to me that I have lost you when sista Debbie came into your life.

"Whenever I remembered d mistake I made in divulging what happened 2 my friends I continue 2 blame myself..bc assuming we have been going out, who shall know whether it is I who 1st made d intention of love known to u or it is you who 1st do? Nobody asks of that...and even if they know what does it matter when we have gotten a stable home and family? Are they going to live under the same roof with us? "My gullibility in male-female relationship showed when I interracted with elder and deaconess Mordechai, the deaconess told me dat when they were in College of Education dat she was d one who actually proposed 2 Elder Mordechai. She said Elder Mordechai was extremely brilliant while she was an average student... "Being an average student she said she did not want 2 lose him and also dat she planned furthering her education after d NCE and thence she called off the cultural and other beliefs by approaching the young man then. "She said d man agreed and they started d dating from NCE II, fashioning out how their life and future shall be.

"According to her, they got married during their midsemester break in 400Level in the University of d Island, having courted for five years plus...and today, who could decipher who 1st made d move among them in the presence of true love? Who amongst our people even have such a remarkable love in display as they are? "After I heard their story, my heart was moved 2 d past, but, well u have gotten a love-bird. "Do not forget to pray 4 me as an evangelist so dat I see somebody soon, because I am yet single and not engaged. "Do pray that sister Debbie gives you twins, triplets and quardruplets when you tie the know...I know u are a man of prayer but I yet pray 4 you that all eyes monitoring your love life, your relationship for evil go blind in Jesus name. Amen. I also pray dat your buz and ministry grow in Jesus name. Amen. "My warmest regards to sister Debbie and others. "Have a tantalizing day. "Yours sincerely, "Miss Òdájú." "The letter ends sire", I said.

"Yes, I know, I heard you". My love said. "But why didnt you invite her to a talk when she was playing "hanky-panky"?" I asked. "Did I press u any further when you said "nope"?" He said. "No you did not. But i think hers is different 4m dis presentation since she was the one who bell the cat. I think u shd have asked 2 know why she suddenly put up a volte-faced actions", I said. "Well, I guess I have discussed dis issue with u...", my love said. "It is obvious that I have forgotten "mai" lord sire", I said. "Then I have forgotten d past issues also. I neither wish nor want 2 remember such experiences again", he said. "But do you think you can?" I asked. "Well with you, I can, I know i have, for when last did u hear me talking about those issues?" He asked. "I know u do not talk of those harrowing pasts, but I want 2 know dis one now", I said. "Those pasts, I want dem in d past, so dat I move forward so dat I have free and freer mind to interract with people", he said. "O.K", I replied. It is obvious that he doesnt want 2 talk about the issue, let me leave it...he interupted my thought when he said, "But, I actually called her, phoned her, texted her repeatedly then, but she kept on giving me excuses, filmsy ones for the inability 2 see me, then one day I speak 2 myself dat dis lady is playing on my intelligence, she thought I am growing young...that was when I called it quit and decided on d way forward for my life marritally" he enthused. "Well, I thank God dat I am where I am today, beside "mai" love and lord", I said. "Please which other letter is there that needs urgent attention", he asked. "None "mai" lord", I replied....

 SOME HARD WORDS’ MEANINGS

*Sista Debbie says, "He asked me to read the letter".(June 22, 2013)

2 d (translation to the)

priv8 (translation private)

"ewé iran", (translation leaf of big breadth in our land)

"tú-ẹ́" (translation suddenly as if they are not humans, as if they do not possess spirit)

[sunshyni]

a ideia que eu tenho (há tempos) é um chenle meio frenemies meio tensao romantica que ele e a pp vivem se bicando ai um dia a pp alfineta dizendo q o chenle nem joga de vdd ele só faz "escolinha de basquete" e ele fica ofendido REAL. o final? deixo com vc

. . . “I hate the way I don't hate playing basketball with you, not even close, not even a little bit, not even at all.” – 10 Things I Hate About You . . . 🏀

ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ(づ˶•༝•˶)づ 🏀

ㅤㅤㅤㅤㅤㅤㅤㅤㅤChenle × Fem!reader

w.c: 1.5k

notas: confesso que tinha uma ideia diferente pro seu pedido, Lala. Mas eu tava lembrando de uns filmes antigos ontem e aí mudei de ideia e isso aqui tomou esse rumo inesperado, achei que ficou com uma vibe nyc (talvez tenha sido porque eu tava com “Gossip Girl” na cabeça, mas enfim) por isso os icons, mas é isso, espero que vocês gostem!

about content: você e Chenle têm uma relação conturbada desde o ensino médio e adoram se enfrentar no basquete a troco da realização de um desejo. É um frenemies gostosinho mesmo. O Chenle tá um gostoso, beijão 💋

ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤBoa leitura, docinhos! 🧡

ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ‧₊˚🏀彡ִ ���𖤐

— Eu vou te fazer comer poeira, Lele — Você ameaçou enquanto quicava a bola de basquete no chão da quadra do parque próximo do seu apartamento, Chenle pousou as mãos na cintura, expondo um sorriso nos lábios que era puro deboche, as sobrancelhas minimamente elevadas para complementar sua expressão de incredulidade, como se vocês não estivessem empatados depois de todos os jogos disputados ao longo dos anos, desde o primeiro ano do ensino médio, quando se conheceram, te irritou muito o fato de Chenle ser gentil com uma boa parcela das garotas da sua classe e isso não valer para você, ele sempre era rude de um jeito provocativo quando vocês estavam juntos, o que te fazia corresponder trocando farpas com ele, assim vocês viviam a vida, fazendo favores um para o outro quando necessário e provocando toda vez que se juntavam.

— Eu dúvido muito — Ele respondeu, se aproximando com passos confiantes, como ele costumava ser com você, irritantemente confiante, consciente da sua grana de um jeito que ele não tinha o costume de agir com ninguém, nem com os amigos mais próximos feito Renjun que já estava farto das discussõeszinhas que vocês com frequência tinham, então estava sentado na segunda fileira da arquibancada de ferro, com um fone em um dos ouvidos enquanto contemplava o céu mudar de cor ao passo que a noite chegava.

— Renjun! Você vai ser o árbitro da partida, presta atenção aí! — Os amigos de Chenle, – vulgo seus amigos também devido a convivência e ao fato de que era muito bom se gabar para Chenle dizendo que seus melhores amigos adoravam você, diferentemente dele, o que fazia com que o Zhong ficasse emburrado pelo resto do dia, respirando o ar com força e o soltando num bufo estressante – odiavam ter que administrar uma partida de vocês. Renjun revirou os olhos para você querendo passar essa, porque o final da partida era sempre previsível, vocês provavelmente começariam a discutir sobre o resultado, insultando um ao outro, relembrando lances que um de vocês fez que provavelmente era ilegal nas regras do basquete, no entanto os meninos sempre tinham que lembrar que o jogo de vocês era cheio de trapaças e artimanhas que os desclassificariam numa partida oficial do esporte.

— Aquilo ainda vale, né? Se eu vencer, você me concede um desejo, e vice-versa, certo? — Chenle concordou, tentando roubar a bola de você, entretanto você se esquivava com afinco, fazendo com que o rabo de cavalo do seu cabelo comprido balançasse feito louco. Vocês tinham esse trato desde os dias do ensino médio, muitos dos encontros que você teve com garotos da elite que Chenle claramente fazia parte, foram graças as suas vitórias nesses jogos, no caso do Zhong, às vezes seus pedidos eram muito singelos, como: “Me pague uma refeição”, “Ganha pra mim aquele bichinho da máquina de pelúcias” e no final ele sempre pagava por todas as suas tentativas até conseguir resgatar o prêmio, outras vezes ele te fazia passar vergonha mas nada que a humilhasse, era o momento que ele mais te tratava com respeito, quase como se você de repente se tornasse uma das outras garotas da classe — Você vai tanto comer na minha mão hoje, Lele. Anota isso.

— Você é cheia de frase de efeito, né? — Chenle questionou de forma retórica, enquanto Renjun lá dos bancos gritava para eles começarem logo e agilizarem a sua tortura, você estava com a posse da bola, avançando até o posto do seu inimigo que te olhava como se você fosse um cubo mágico difícil de se resolver e Chenle trabalhava muito sua lógica a ponto dela ser bastante afiada, mas isso não funcionava com você, claramente existia uma atração no meio daquilo tudo, vocês não podiam brigar tanto sem se importar igualmente um com o outro, em segredo você gostava da forma que Chenle se movimentava ao praticar o esporte, achava bonito seu rosto delicado mas que tomava outro tipo de apresentação quando compenetrado, instigando uma agitação na sua barriga que você não sabia nomear — Mas nunca cumpre com o que diz.

— As únicas vezes que eu não cumpri com as minhas frases de efeito foi porque você venceu, boboca. Vitórias injustas devo ressaltar porque você sempre se aproveitava de alguma fragilidade minha — Chenle olhou feio para você, odiando que você estivesse insinuando que ele só tinha vencido todas aquelas vezes porque você era uma jogadora principiante, a verdade é que as vezes que ele tinha perdido deviam muito a você também, não só porque ele era pego por suas habilidades que melhoravam a cada dia que passava, mas porque eventualmente ele se distraía com a sua camiseta que se elevava toda vez que tentava fazer uma cesta, Chenle ficava tão vidrado no lance que permitia deixá-lo acontecer mais vezes, tá, em algumas ocasiões, ele precisava admitir, ele perdia por puro talento seu — O que foi? Já tá bravinho porque eu tô te dizendo a verdade incontestável de que você é um jogador ruim? Ninguém teve coragem de te dizer isso né, bebezão?

— Dá pra você calar a boca? — Chenle tentou roubar-lhe a bola antes que fosse tarde demais, mas ele foi lento e você marcou o primeiro ponto da rodada, contemplando um Chenle com raiva estampada nas suas bochechas vermelhas, vocês tinham passe para irritar um ao outro, mas o Zhong simplesmente não conseguia entender como você não conseguia ser tão doce com ele como era com Renjun ou com Jeno, por exemplo; e todas as vezes que ele tentava te tratar como a verdadeira mulher que você era, você sempre duvidava achando que ele estava tirando sarro de você e simples assim, vocês voltavam para a estaca zero. Essa situação toda irritava Chenle de formas que ele não achava que eram possíveis de acontecer.

— Ah então é esse tipo de jogo frajuto que você vai fazer na frente do seu ídolo Curry? — Até Renjun que escutava vez ou outra o diálogo percebeu que você passou do ponto citando a estrela do basquete de Chenle, que não pensou duas vezes em te dar as costas e aconselhá-la a jogar sozinha, você instantâneamente se arrependeu de suas palavras hostis correndo parque adentro atrás do seu inimigo preferido por quem você estranhamente nutria algo que se parecia muito com atração, mas que você jamais admitiria, seria como dar o braço a torcer e admitir que Chenle não era tão ruim assim quando ele te achava a pior das mulheres.

— Lele, desculpa, tá? Eu peguei pesado com você — Você segurou no braço dele e o Zhong simplesmente odiava o fato dele gostar tanto do apelidinho que você utilizava para o chamá-lo pra lá e pra cá, ele se virou de frente para você, se aproximando o bastante para roubar todo o oxigênio que aquelas árvores produziam e te deixar numa sensação que se assemelhava a asfixia, os olhos escuros e densos de Chenle te fitavam como se ele estivesse prestes a te dar uma bronca, mas suas pupilas estavam dilatadas e parecia que relâmpagos atravessavam a parte da íris ainda visível, as faíscas estavam alí presentes como nunca antes.

Você engoliu em seco ao passo que Chenle se inclinou vagarosamente, você não sabe ao certo porque fechou os olhos ou porque seus lábios se projetaram um pouquinho para a frente, só sabia que o contato cálido dos lábios de Chenle contra os seus não se fez presente, ele só sorriu gostando da sua reação inesperada e sussurrando no seu ouvido como qual uma criança traiçoeira.

— Me convida pra sair — Disse, sem vergonha nenhuma e você sentiu as bochechas se aquecerem, dessa vez não de irritação, sua nuca transpirava um pouco e você teve que umidecer os lábios um bocado para não vencer o impulso de puxá-lo para um beijo um tanto quanto afoito e repleto de mãos bobas no meio de um ambiente público — O meu desejo é um encontro de verdade, sem provocações que não sejam flertes, sem formas de tratamento alternativas que envolvam você me insultando no final. Quero um encontro em que sejamos apenas dois desconhecidos que gostaram um do outro visualmente falando e toparam uma conversa num lugar mais íntimo.

— É isso que você vai precisar fazer como pedido de desculpas — Você nem sabia como reagir a toda aquela proposta, então tudo que fez foi assentir com a cabeça meio atormentada e abalada, Chenle nunca falara desse jeito com você, como se realmente estivesse interessado sobre você, como se de fato quisesse pressionar os lábios contra os seus como você estava fantasiando naquele mesmo instante. O Zhong beijou-lhe a bochecha suavemente e questionou enquanto fazia o caminho de volta a quadra, fazendo você guiá-lo com o olhar com a mão sobre a bochecha beijada.

— Pode ser sábado, às 19h? — Você só assentiu, incapaz de fazer o movimento contrário.

ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ‧₊˚🏀彡ִ ࣪𖤐

[tracuumasothue]

Công Ty TNHH Mtv Pk Fone – Mã số thuế:1501093462

Thông tin chi tiết về Công Ty TNHH Mtv Pk Fone – Mã số thuế:1501093462

Mã số ĐTNT

1501093462

Ngày cấp 18-10-2018 Ngày đóng MST Tên chính thức

Công Ty TNHH Mtv Pk Fone

Tên giao dịch

Công Ty TNHH Mtv Pk Fone

Nơi đăng ký quản lý Chi cục thuế Vĩnh Long Điện thoại / Fax / Địa chỉ trụ sở

Số 162A/6 đường Nguyễn Huệ, Phường 2, Thành phố Vĩnh Long, Tỉnh Vĩnh Long

Nơi đăng ký nộp thuế Điện thoại / Fax / Địa chỉ nhận thông báo thuế QĐTL/Ngày cấp / C.Q ra quyết định GPKD/Ngày cấp 1501093462 / 18-10-2018 Cơ quan cấp Năm tài chính 18-10-2018 Mã số hiện thời Ngày nhận TK 18-10-2018 Ngày bắt đầu HĐ 10/18/2018 12:00:00 AM Vốn điều lệ Tổng số lao động Cấp Chương loại khoản Hình thức h.toán PP tính thuế GTGT Chủ sở hữu

Nguyễn Quốc Dũng

Địa chỉ chủ sở hữu

Tên giám đốc

Địa chỉ Kế toán trưởng

Địa chỉ Ngành nghề chính Bán bu��n đồ dùng khác cho gia đình Loại thuế phải nộp

Khi bạn tra cứu thông tin doanh nghiệp của mình và cần chỉnh sửa. Hãy liên hệ với chúng tôi ngay lập tức, để chỉnh sửa thông tin về Công Ty TNHH Mtv Pk Fone – Mã số thuế:1501093462.

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[dangerouscrusadefire-blog]

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Can you give me an educated guess on how much it would be per month or 6/mo to insure an 18 year old boy on a 2005-2009 Mustang GT? Can Military service lower/raise the rates?

Cheap uk car insurance for a learner driver ? any good companies ??

question for pps in uk my husband just bought a little fiat punto got a provisional licence and wants 2 learn to drive in it we new to all this any idea what kind of cover he needs and any good not 2 expensive companies to try for insurance , hes 44 so not a young lad who wants to race about , he has a brother in law and m8 who both have full clean license who have offered to put the L plates on and take him out at weekends on a quite road to get some experience as well as having driving lessons too when he knows the basics , but we looked on nhet at diffrent insurance companies and they all so diffrent as anyone got any experience of whos the best company or comapnies to try thank you also whats diff with any driver or 1 driver and theres 3rd party etc , like i say we really are all new 2 this any info will be well appreciated thank you""

""Trying to save on car insurance, who should I go with?""

Currently I pay $122.00 for car insurance with State Farm. This is going to go up I am sure since I moved back to a larger city and when I lived here before I was paying a lot more. That is two cars, a 2008 Dodge 4 Door and a 2002 Focus all full coverage 100,000/300,000 Limits with a $500 deductibles you get the idea. Oh and I also have renters for about 10 bucks a month.... okay so I just was quoted by Gieco with lower deductibles, from the more expensive city and I was quoted at about $68 (without the renters) Thoughts on the matter, is this possible should I make the switch? Is $68 too low for two cars and are they baiting me and will they get me later with the higher rates?""

Which car is the cheapest to insure for a newly qualified 17 year old driver ?

My daughter wants her own car but insurance costs seem very high - can anyone sugest a suitable car for a new driver that won't cost her a small fortune to run or maintain ?

A Lady hit my car and we decided not to go through our insurance...?

I told her i would call her as soon as i had a estimate on how much it was going to be. This happened back in april but i have been so busy with work and school to be able to get this done, now that i have the time i want to call her and let her know, but i am afraid it might be too late.. Is it to late?? I have all her info except her insurance info (I know bad me but i was nervous) Also im going to need a car rental is that part of what she should pay me?""

Cheapest car insurance????

looking for a cheap car insurance guys, plz help""

How to find affordable health insurance?

I am an international student in the US, and by law I am required to get health insurance while I am in university. I have been buying from Blue Cross Anthem and the price is getting very unreasonable over the years. The price is close to $1500/year. What company do you suggest me to get cheaper insurance from? Something preferably under $1000. Insurance Broker must certify that all of the following conditions are met: * Policy must be in English * All coverage limits must be in US dollars * Medical benefits of at least $250,000 for each accident or illness * Full cost of medical evacuation * Full cost of repatriation of remains * Coverage for the entire academic year* * Minimum 75% coverage for each accident or illness * No capped benefits e.g. $1,200 per day for hospital room * Maximum deductible of $100 per condition per plan year * Maximum out-of-pocket expenses $2,500 or less * * Must cover pre-existing conditions, with a wait period of no more than six months if attending the full academic year Thanks in advance.""

bmw m3 insurance quote

bmw m3 insurance quote

Non car owner insurance?

Can I get insurance to drive cars if I don't own one? I have friends who will let me drive their cars but I want to get my own insurance. I don't want to risk their no claims in case of an accident and if I don't have an accident I want to build up my own no claims but I can't find anywhere that does this....

Nippy car cheap to tax and insurance good on fuel!?

I have recently purchased a corsa 1.4 2008 and its very slow i used to have the corsa c 1.2 and it was quite nippy! I have been looking at an astra 1.9 sri cdti 120. insurance is a bit high! but i have seen a focus 1.8 zetec and a fiesta 1.6 zetec i have a max budget of 8000 thats with selling my car and money on top

Should you get insurance on a rental car?

I'm taking a trip later this month and will rent a car for a couple of days. Should I choose insurance, the minimal cost is around $8 per day, so it's not too much or anything. I was wondering if most people got the insurance just in case something happens. Normally I would, but I always hear people say that getting insurance for these kinds of things is stupid.""

...Who is your Car Insurance Company ...?

Who is your car insurance company? How old are you? How much is your monthly installment? What kind of car do you drive? I am trying to determine weather my insurance is right for my age. I have Allstate, I'm 21 and I pay $143 a month for full coverage on a 2005 Honda Civic.""

Car insurance?

hi last week i reversed into a piller and wrecked the back end off my car after paying 411 to get it fixed my b/f was coming home from work and a van went into the side of him and wrote my car off. we are getting a courtesy car today but apparently i cant drive it until my details have been sent to dvla and they get an ok back b/f reakons it will be a couple of days but i need a car is this right and does any1 know how long it will be cause i havent had a car for nearly 2 wks now and am lost without it. thank you

Will my insurance go up if I file a claim but then not need it?

A guy ran into me. All he did was pull off a side mirror. I can't get his insurance to replace it directly. They said he has to file the claim. He has yet to do so and the contact number I have for him is bad. So I was told if I go through my insurance they can file the claim to his insurance for me to get it paid. But if somehow they can't file it through his insurance ill just pay out of pocket and have my husband do the work so it's cheap. But if I do that will my insurance still go up? The accidentwas entirely his fault.

Motorcycle insurance rate estimation?

I want basic liability insurance for a lower cc Honda Phantom, 700 cc tops. I am a 21 year old male who committed a DUI 2.5 years ago and is now alcohol-free. For that reason, I feel ...show more""

Insurance premium increase?

I was involved in a fender bender where no party admitted fault. Other persons insurance company went to arbitration against my insurance company to recover their loss. Arbitration Panel decided in our favor i.e. I am not at fault hence need not pay the damages. Total loss amount listed by other party was $800. My car did not have any damage worth repairing. (Also, I am lazy and passive enough to not pursue too hard for a minor dent.) After arbitration settlement other person filed a lawsuit against me in small claims court. I was pretty sure that a judge cant do anything after arbitration. To my surprise judge assessed that out of $800 - $250 was the deductible paid by other person. Prior Arbitration did not include that amount hence he can adjudicate on this $250. He adjudicated against me for $250 + legal fee. Judge also told me that I need not worry about this money as my insurance will pay for it. (Most ridiculous judge and judgment I have ever seen, but thats a separate matter) I called up my insurance company. They are willing to pay this amount. My question is  will making them pay increase my insurance premium. I have a pretty clean record with no at-fault accidents. I pay about $1000 per year for two cars in WA state. Insurance company is: Farmers""

Auto insurance limits of liability ?

How high should I reasonably set my liability limits. From what I can tell my current Auto policy limits are $25k and $50k. That seems a bit low to me. My friend said he has $100k and $300k. What do you suggest. We are an average income family, and currently drive and Escalade ESV, and a G35 coupe(Nothing like living beyond your means, you only get one shot at this thing right?).""

How will insurance companies make up for the preexisting clause elimination?

I guess in 2014 health insurance companies can't discriminate people for preexisting illnesses. How will they make up for that? Will they just increase premiums for everybody?

""Totaled my car, What will insurance do?""

Yesterday I totaled my 2000 ZX3 and almost died, luckily my roof didn't completely cave in as i slid in the ditch after i flipped over, SO my engine and transmission isn't damaged. I wanna save some movie and just buy a car like mine with a blown engine and then switch engines and get the keep the rest of the insurance payout. I already found the possible car BUT i'm not sure if the insurance company will let me keep my car after its declared totaled? The car i found is for only 500 dollars and my dad is a mechanic, so i really need 2 know quick""

Comparing insurance rates?

Hello, I am looking for a site that allows me to compare different insurance rate quotes based on the information I provide.""

If the point in my license won't affect my insurance rate?

I received a traffic ticket for not stoping at a stop sign. I registered and took traffic school I also Completed it. I followed up with my court and my case was dismissed but, I wanted to know if the point in license would be gone ?""

Is there a time limit or statute of limitations on car insurance claims?

I was in an accident in January. It was my fault, I was trying to avoid someone who had swerved into my lane so I got into the left lane really fast to avoid being hit at a high speed ...show more""

First car for teenage girl? Insurance...?

Need a car 17 year old girl 1.0 ltr engine. Cheap petrol and cheap insurance please? I also read getting the box fitted where you can drive between certain times also makes it cheaper?

Who thinks the health insurance waivers means that companies don't have to provide health insurance?

You'd be wrong. Care to understand why? http://www.whitehouse.gov/blog/2010/12/10/truth-about-health-care-waivers The bad news is that today mini-meds are often the only affordable option for many low-wage workers because retail and chain restaurants rarely offer their workers options beyond these plans. And because mini-meds are built around annual limits, estimates from employers and insurers indicate that beginning the phase out of annual limits this year would cause mini-med premiums to rise by more than 200 percent, forcing employers to drop coverage and sending many low-wage workers to purchase insurance on the more expensive individual insurance market, where they would get an even worse deal than what they have today. The result would be a whole new population of uninsured Americans. To ensure that we protect the coverage that these workers have today until better options are available for them in 2014, the law allows HHS, in extreme cases, to issue temporary waivers from the phase out of annual limits. There are some important facts to remember about these temporary waivers: The waivers only apply to one provision of the law  the provisions phasing out annual limits. Insurance companies and employers that receive waivers must comply with all other parts of the Affordable Care Act. The waivers last one year. Insurance companies must reapply for the waivers each year between now and 2014 when annual limits on coverage will be completely prohibited and individuals will have more affordable and better private insurance choices in the competitive Exchange markets. All employers and insurers that offer mini-med plans may apply for a waiver if they demonstrate that there will be large increases in premiums or a significant decrease in access to coverage without a waiver. You can read a list of employers and insurers that have received waivers here.""

Question on buying new insurance policy with previous insurance company?

Recently I was involved in a collision where the other driver was at fault and their insurance company paid out for my written off vehicle. Now I have 7 days to find another car before my courtesy car gets taken away, so after using money supermarket website the cheapest quote that came up is with my current insurance company. But the issue that makes me concerned is that I recently also go a renewal quote as my insurance is about to run out and the quote was ridicously HIGH but why it is so much cheaper if I go through the comparison website? so does this mean they will make me pay that high fee of I'm not joking 29,509.43 even though the other insurance company paid out and I was not at fault? On the website the quote is 1,454 for the year which is a bit more than what I paid last year but I don't mind but I'm just worried if I bought that online would they later ask me a different price that I must pay.""

Please help about car insurance?

I'm about to get my license when I turn 18. So I was wondering how much would car insurance be for an old car that's already paid off?

Where to find cheap car insurances and allows for monthly payment?

Where to find cheap car insurances and allows for monthly payment? I'm seeking for a real cheap car insurances that allows me to go for monthly payment. any one out there who has any answer, pls reoky to me asap, its really Urgent. thanks, guys...""

""Need cheap car insurance, already looked into geico and progressive?""

what's a good, AFFORDABLE company i can go to for auto insurance? i'm a 19 yr old female, living in dallas, tx marital status: separated""

Did you get your insurance from an agent or a wholesaler?

is it possible to get your private insurance from a wholesaler? is it cheaper?

Sr22 for car insurance?

does any one know which car insurance company's will carry a sr22

Do i still have to pay my car insurance?

i just started driving and i had a small crash im 3rd party insurance i scrapped the car couldnt afford the insurance and mot ect ,i still have to pay insurance for the year so i mite as well have kept the car is there anyway i can cancel as im in financial hardship""

Can getting on-line auto insurance quotes adversely affect one's credit history?

Since insurance companies do pull one's credit history. Thanks. GG_007

What characteristics in a car make the insurance lower?

i am 19 year old male in Ontario buying my first car. and insurance prices are REALLY HIGH! i was just wondering when picking out a car, what i should be looking for that will result in less costlier insurance rates. for ex: certain makes? year? THANKS! also if you have any tips for me, that would be much appreciated!""

bmw m3 insurance quote

bmw m3 insurance quote

Does car insurance tranfer to your new car?

I just traded in my car for a new one. I only had the car for five months and I took out a six month insurance policy on it. Will the insurance that I had on my old car transfer to the new car or will I have to take out a whole new coverage and pay a whole new down payment for a new policy? How does this work. I read that car insurance is supposed to temporarily transfer to the new car. Does this apply to every company and if it does, does this temporary transfer happen automatically or should this be done through my insurance company before I go pick up my new car? My insurance company won't be open until Monday for me to ask these questions. Im looking for answers/advice to prepare.""

Cheap auto insurance in florida?

Cheap auto insurance in florida?

Child support/car insurance?

Ok so I just got my liscense and I bought half my trck and my mom bought the other half. So is it right for my dad not to pay for my insurance? And does child support cover car insurance. . .plz just give me your opinion/facts on the whole ordeal.... Have not found job just turned 15..btw Thank you all

Cheap goods in transit van insurance?

anyone know of any budget goods in transit insurance?

Can anyone tell me where to get cheap auto insurance with a suspended license?

Can anyone tell me where to get cheap auto insurance with a suspended license?

Cheapest Car Insurance Rates - Chicago?

Not sure if my fathers age has anything to do with rates, but he is 65 years old and pays $600 for six months (for one of his two cars) a 2003 Toyota Corolla with over 100,000 miles on it. He's currently with State Farm. Are there any companies that are as good (not sure what qualifies as being good , but heard that State Farm is good ) but for half the price? And is $600 for six months a lot for the above car? I know insurance covers more than just damage to the car (like injuries caused to others), but the car probably isn't even worth more than a couple grand. So not sure if paying that much is even worth it. Any thoughts?""

I need cheap car insurance in New York City?

I need cheap (FULL) coverage for a financed vehicle in the NEw York Area...I've tried the popular sites...any leads?

How to deal car insurance situation?

Someone from behind went behind back of my car , the bumper is out and back lights smashed. I feel very unhappy and shaken by this Do I call their insurance company or mines instead to sort this out? What if they try to deny it what can I do?""

What is the cheapest auto insurance in the state of Florida?

What is the cheapest auto insurance in the state of Florida?

How much will my insurance increase?

Im 17 an had my first accident when i swung in to a parking spot a little too fast and too close and my door scraped the back bumper of the car next to me...i dont think it will be any more than a few hundred dollars to have it repaired it was just a bit dented and the panel needed to be pulled out to sit flat with the rest but that really is the only real damage other than maybe a few scratches. My insurance before was at 800$ a year without full coverage so what do you think it would go up to now?

I am 19 years of age i how much will they charge me for my insurance?

i have never been involved in a car accident or gotten pulled over by the police i live in california i have had my drivers license since i was 16. i own a 1997 nissan sentra gxe i pay 480 for it every 6 month and a 2011 nissan murano and i pay 554 every 6 months for it i have Farmers Insurance my dad is main driver my sister in the policy also. How much will they charge me if i buy a 2005 mustang will my car insurance sky rocket because i am consider an inexperience driver and mustang is a sports car Please help

Why does car insurance quotes change every day?

Why does car insurance quotes change every day?

Business Insurance??

What kind of insurance will i need to carry for duct cleaning peoples homes and how much monthly would it cost

How much would my car insurance be?(State farm Insurance)?

I'm a teen driver, and ill be 16 years old when i get my license. i'm a 3.0 + gpa or higher student and have had no issues with the law.i drive a 1997 mazda protege with a clean title (idk if that helps) I live in Portland,Oregon Car is 1997""

Cheap No fault insurance for 18 yr old?

Cheap No fault insurance for 18 yr old?

How much can i sue and get from car insurance for pain and suffering for $6000 worth of medicals?

How much can i sue and get from car insurance for pain and suffering for $6000 worth of medicals?

How much a month for loan and insurance for a 350z.?

Ok so I'm gonna be 20 in a couple months and I'm tired of driving my crappy integra. I've been saving up and I'm set on getting a 350z. My price range is about 12,000 tops. If I put a down payment of about 5 or 6 grand how much would I pay per month for the loan. And how much would I pay a month for the loan along with the insurance. I'm on my parents plan. I don't know much about interest rates. Can you give me estimates on different lengths of loans and interest rates Thanks ily""

Are local insurance companies better than global ones?

I moved to salt lake city not long ago and I m looking to insure my motorcycle for the summer but so far every websites I tried online have prices and monthly rates that are very expansive !! Does anyone know if it is best to get insured with a local insurance company or a big one like progressive ???

Insurance!?

We are in the process buying a home and we ARE going to get homeowners insurance but I was just wondering if they make you get it? Also I was wondering if anybody knows if I live on a flood plain if i HAVE to get flood insurance too? THANK YOU!

Insurance Quotes vs Age Gender Income Etc?

Hi, Currently Insured through State Farm and paying $250.00 a month for Full Coverage. Im 20yrs old. I have a 2006 Chevy Silverado 2500 hd 4wd , making 40k-50k a year. Insurance is a little too much... Am i over paying?""

How much higher is car insurance in harris county texas vs fortbend county?

How much higher is car insurance in harris county texas vs fortbend county?

What does 1000 or 500 deductible mean when you're getting car insurance?

Before I get my car insurance I would like to know what this means,and what is better.""

""What is the penalty for driving without insurance on a motorbike, as i feel it was a genuine oversight?""

I was stopped because of a broken rear light and as it happens my insurance had expired about 4 days before. I wasn't aware that the insurance expired , i thought it was at the end of the month. I didn't receive any reminder because i had forgotten to change address with the insurance company, which was completely my fault. This is a genuine oversight on my part, but I'm not sure if they'll look at previous incident i had with my cousins car when i was a teenager about 7 years ago, i got caught driving without insurance. Probably one of the stupidest things i have done but i learned from it, but the court may not look at it like that. Should i get a solicitor and does anyone know how much they cost? Will i be suspended from driving?""

Where can i find good and cheap used car dealer insurance?

i am trying to open a used car lot and need insurance for it. where can i find cheap insurance i have looked and got a quote at one place but the price is to high 6500.00 per year, are there any other companies that will offer that but for cheaper? thanks""

I am looking for Gerbers Babies Life insurance?

Gerbers Baby foods sell life insurance for infants

bmw m3 insurance quote

bmw m3 insurance quote

How much does it cost to insure a 49cc moped?

I'm looking at getting a 49cc moped so I don't have to get a motorcycle license. I want to know if anyone has a moped and what the insurance cost is.

Car insurance company discriminate against me because I was not born in the UK?

I had a quote for car insurance through a well-known national company. They were aware I had a UK licence for 5 years and had no convictions, claims etc. I rang and spoke to a representative and she confirmed the quote. The following day I decided to accept and called them. We went through my information and the agent said, so you were born in the UK? I said no, I am a UK citizen but I was born abroad. The quote then went up by 200 !!!! I took issue and spoke to a manger who said this was legitimate when I told him I was certain it was illegal since the only information that had changed was my place of birth, he eventually said he would honour the original quote. I then bought the policy with a one-off payment. Insurance is a racket and I don't think they should be alllowed to get by with this. Does anyone know anything about this and what can be done next to make sure it doesn't happen to other people?""

Insurance when your pregnant?

I currently have insurance although October 1st my coverage will be terminated because I left my job. I recently found out that I was pregnant and was wondering how I will get insurance and will my pregnancy be considered pre-existing when I get insurance through a private company. Should I try to go to the doctor while I have my current insurance through work or wait until I have new insurance

Car Insurance?????? help!?

I just got my lisence im a f, and just turned 20. I .ive in MA. I dont know what the av. price would be for car insurance. help! i own a toyota 2000 86.000 miles""

Car insurance coverage?

If i have a provisional license in California (been driving for under a year) and I get in a accident with someone in my car under the age of 20 years old, will my car insurance still cover it? I know I am not supposed to be driving anyone yet but I am trying to prove a point to my dad! Please help! thanks:)""

Do most insurance companies cover birth control?

I'm getting new health insurance through work and I'm already on the pill and I was wondering: 1. Will most insurances cover it? 2. Can I stay on the same pill?

Insurance cost for Dump Truck?

Without knowing a lot of information right now except it would be in the 1990's year range what would the APPROX. cost of monthly insurance be for a dump truck? We are in Ontario, Canada.""

How much do you pay for your car insurance?

How much do you pay and is that amount on a monthly, semi-annual, or annual basis? What state do you live in? What is your age? What is the year, make, and model of the car you drive? Serious answers only, please. If you're not comfortable offering this information, please don't answer the question.""

What reputable health insurance companies are out there?

My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?

What is the approximate cost of insurance for a lamborghini gallardo lp550-2 spyder?

What is the approximate cost of insurance for a lamborghini gallardo lp550-2 spyder?

Do you have to have health insurance to have Rhinoplasty?

Just wondering if you have to have health insurance for a nose job.

Where is a good place to get a car and cheap car insurance?

My husband is in the navy... does the military have a car place we can go to or car insurance we can get?

What is life insurance?

Life insurance is suppose to be used as a protection of income. In case you die, your family is protected from devastation of substantial income loss. But, many insurance companies are selling it as an additional source of income or as an investment, which is really is not. Therefore, many families who have life insurance are underinsured because these cash value life insurance are very expensive. If you are using life insurance solely for the purpose of saving up for a goal or emergency, why aren't you investing it in mutual funds or put it into an IRA? If you are afraid of the stock market, then open a money market account. If you are saving up for your kids education, then open a 529 plan. All these alternative ways are better than keeping your money in a life insurance because you never have to pay it back if you use them. As to life insurance, if you use any of the cash value, you will have to pay it back with interest.""

How much would the cost of my father's car insurance increase if I became a young named driver?

I'm currently 19, approaching 20 and haven't started my lessons yet. It has been arranged that if and when I pass I will be put on as a additional named driver on his insurance. He must have a significant no claims bonus and the car is about 6 years old. The car would not be considered sporty/powerful. I know you can't give me an exact number but if anyone has gone through this how much did your premiums increase by? And/or on a percentage scale how much this would likely increase.""

Can i insure my car under my dads name?

so im an 18 year old boy right now i drive my dads old car under his insurance, and the registration is in his name, and thats all fine and everything. however my mom is renewing her drivers license soon (she had an accident that didnt allow her to drive for a few years) so my dad is giving her the mini van back and obviously, taking his car back. luckily, i have been anticipating this happening, as all good things must come to an end, and have saved up for a car of my own. i found one, and i went to get an insurance quote and found it was near $90 a month under my name. I put in the same coverage but with my dads information this time and got a quote of $30 a month for the same car. (because apparently 18 year old boys are dangerous drivers or something?) any way, what i am wondering is can i buy the car, and get it registered in my name, but have the insurance covered under my dads name? or should i just give my dad the money for the car and have him buy it and put it in his name and under his insurance but i just drive it, much like what we do now?""

""How to get the cheapest car insurance, when just passed test ?""

How to get the cheapest car insurance, when just passed test ?""

When we ask for AFFORDABLE health care?

maybe we should control the Hospital, Doctor, and Insurance company's cost. That would bring it down. Then the government wouldn't have to get stuck with it all.""

What's the best car insurance here in California?

in terms of price what's the cheapest car insurance nationwide or here in California? I am 26 years old and have two cars registered under my name with liability insurance only. I pay $400 every 6 months is that high or low? I also have only one speeding ticket on my driving record fyi. Can you guys tell me how much you pay for your car insurance? and what you think is the cheapest car insurance? I m trying to save money with this bad economy last I check California is in the most debt.

17 Year Old Female.. car and insurance?

Hey, I am currently searching around for a car and insurance. I have just passed my test. Using price comparison sites insurance is coming to around 1,500 pounds on cars such as Daewoo Matiz, Volkswagen Polo, Vauxhall Corse and Peugeot 106. On the internet a girl said she was able to get her insurance down to 600 pounds! How is this possible? Insurance with my mom as the named driver is about 2,000 so this isnt an option. Thanks x""

What is the difference between a car registration and an insurance?

I always mix the 2 up for some reason. I know that insurance is to insure the car for any damages done to the other vehicle or your own vehincle, but what is a registration for. Is it to verify the owner of the vehicle. Any sort of help would be greatly appreciated. Thank you.""

Where can I find an affordable renters insurance in Florida?

i need renters insurance for my personal belongings in case the hurricane damages anything.

How much would i save on insurance by taking the motorcycle safety course?

and is their other beneifits to taking the safety course like, getting a discount at the dealer place or something""

If a company is self insured (medical) that doesn't mean the company owns the ins. co. does it?

If a company is self insured (medical) that doesn't mean the company owns the ins. co. does it?

How much would car insurance be?

I'm 17 and I wanna know how much insurance is on a 1993 Jeep Wrangler before I go out and buy one. I tried to do quotes but I need to know a lot about the car but since I don't have the car, it's kinda hard. Help. Thanx""

Car insurance on a first car.?

I'll be buying my first car on Friday. I went to the garage today and was told I should come down on Friday when it will be ready to pick it up. My question is should I be getting my insurance sorted before Friday? I haven't put any money down on it as they said I wouldn't need a deposit on the car. Is it just the licesne plate number I need?

bmw m3 insurance quote

bmw m3 insurance quote

https://www.linkedin.com/pulse/clifton-forge-virginia-cheap-car-insurance-quotes-zip-johnathan-mills/"

[capidart]

Our new pp is finished! Low quality image, used a mobile fone hahahaha... will upload a better one after scanning it. Still here at our workplace. Also note to self: stop watercoloring old sketches found on regular drawing paper. They don't handle water well. Someone we showed this to said the depiction of us matched perfectly... didn't know we were that crazy. 😅😂 #chibi #chibified #watercolor #wackytwins #mascot

[lefterstein]

May I ask, where did you download the psycho pass anifone? Thank you!

i downloaded it in the Google Play here 

The main application is now available in my country so i could download it directly, however, the lockscreen app is still limited to Japan so I need to sort of ‘disguise’ my phone using VPN application to make it downloadable. 

Here is how to do it, though the app that i used is OpenVPN instead of TigerVPN. To use it all that you need to do is download the ovpn config files in this site (don’t forget to choose the Japan one!) and import the file into OpenVPN.

Hope that helps!