#see now me personally I think 100k is the better option especially considering the fact that America sucks and has sucked for 400 years

[andresmounts2]

Happy Juneteenth guys.

You owe every black person you see 100k. (Or basic human rights....I think both work)

[macgyvertape]

50 or so hours into Cyberpunk 2077

This should be roughly the correct amount of time, ive been leaving the game running as I get up to get food or do stretches. Quests are roughly in order I did them

non spoilers above cut:

 i haven't found a single hat/helmet i like, and since you can't hide them I just am not wearing any. It matters that much.

I posted the other day about bugs, every few hours I play I find new bugs. some require me to go back and reload a save others I honestly can’t tell if it’s a bug or just really poor development

there are several perks that don’t quite do what the description says, like the Anamesis perk. Based on reddit and trying it out it seems to just not do anything.

sometimes in car chase segments the passenger will say “look out” as cars spawn in my path and hit me. Can’t tell if that was deliberate or a pop in issue

Yeah I’ve just totally given up on doing pacifist things unless required by a mission. Given up on doing stealth too unless a mission objective, except for sneaking around to set up a fight.

:readmore:

the delemain car quest is fun. From the shock of the one going "beep beep motherfucker" and doing a hit and run to start it off, to the GLADOS car i see a lot of people talking about. It was fun to explore the city when i might have missed places like the landfill apparently there is follow up on T-bug's death if you go back to the quick hack shop in Kabuki. It's not much but better than nothing I made the pass with Panam of "what if the room just had one bed". I know she won't do a wlw romance, which is fine since I wouldn’t have chosen her.  I enjoy her as a character, don’t get me wrong, my V considers her as a friend, but it seems like theres always drama going on which would be tiring. I would have gone for a fling, i like her leotard-pants combo with all the straps

but also her questline was buggy as hell. Multiple cases of having to reload due to clipping into objects, including her in a driving section, or just insta-dying when collision physics with some rocks broke "your neural network can no longer function independantly of the chip" me slapping my desk: s y m b i o te!!! come on lets have some s y m b i o s i s

in the scene with hellman i really liked how Johnny moved around the room. It made him feel like he was really there. it was hard to follow the convo as I left the room, i would not have understood it without subtitles. But i guess Takemura fucking waterboarded hellman. :|

lol I hope the dialogue is different b/c i refuse to smoke for Johnny

i am level 18 and still can't beat the first opponents in the fist fighting quest. ffs

I looked up the romances options so I went to do the I fought the law quest as soon as i got it. ACAB, but like I literally just met River Ward 2 minutes ago, and I really like him. His earring and cyborg eye, his big fluffy coat. I'm definitely gonna sleep with him Ok i like how when River Ward is dealing with the tiger claws if you interject it leads to a fight. It goes better if you follow his instructions and let him deal with it. Seriously I enjoy that sometimes its good to not pick a dialogue choice.

during the red queen club part, there was no dialogue over the phone. So i reloaded a save and got myself spotted and attacked. Then River showed up to help me <3 and it was more enjoyable having him there. I honestly am not sure if him not going to the club level is bug or not.

then uuuuuugh the worst of irl police "cops are my family" from Detective Han. Again ACAB "FRATERNITY OF CITY COPS RESEMBLES A [Nomad] CLAN NOT AT ALL" ok a few minutes ago i was complaining about bugs, but the character modeling in this game is good (when they're there). You can see body posture, characters jiggle their legs when they are nervous. Like I though character A was just throwing a cigarette on the ground, but then character B flinches back; I realize Char A threw it at B as a fuck you

I'm honestly curious if "I fought the Law" quest will have any impact later on. My choices were that I thought there was more going on than Holt being the only person behind this (based on how complicated the main questline heist is, and keeping an eye on some of the in game news), and told him not to take it to internal affairs, and I loved his response of how he doesn't give a shit what we think, he's doing it anyway.

In the elevator to report in, Johnny said "this muck is deeper than you think, tell them nothing", so i just said that the case was complicated. anyway i love how much of a sarcastic asshole V is

I thought i was being nonlethal with the monk quest, but it seems i accidently killed someone. RIP, but thats kind of the problem with this game. Like when i do the non lethal cyberpychosis quests I equip my non lethal modded gun and hope for the est. I like how a go here kill things quest led to Charles the ripperdoc. He's getting all his parts from scav gang members so I felt obligated to take him out. I got a police bounty for it but w/e.

I merged the Delemain fragments with the whole. Guess he's the meta now. (Side note: some of my favorite rvb fanfic plots are Ai consiousness/memory merging with the humans, so I’m having fun with this game and look foward to introspective fanfic)

Honestly Jonny made some good points, the fragments didn't deserve to die; but also destroying the core and freeing the fragments, they couldn't really function alone.

I was able to rescue Saul fine with stealth. Using cameras and the synapse overload really made it easy.  Can't use the sniper rifle reward b/c I don't have the stats for it, and while it has a silencer the fact that it's a ricochette weapon and not a shoot through walls weapons, makes it not as good imo; and theres a legendary one that is stats free for only 100k.

Lol made a pass again at Panam, and she immediately shut me down. I then did Mitch's quest and I love every time someone tells V they area  good person.

I hacked the operation carpe noctem shard, and wow the corporations are using ai to make people have cyberpsychosis, or something like that. What a shocker /s, I've played Deus Ex HR before

lol driving through the unifinished interstate, past the fight from Panam's first quest I found a "batcave" with a very nice car, and a manifesto written by "muckman'. But here's my complaint about the loot, there is a legendary top, but it had 16 armor. My current top has 84 armor, like why would i switch?? then later i found a bunker with soviet spies in it. Wild

Doing River's second quest, love the timing of as soon as you ask, why are we breaking in, someone shows up to tell you he got kicked off the force. It's funny how Johnny comments how maybe River's into you, and V just doubts Johnny's words. Love how the first kid asks River if I'm his girlfriend. also wow like oof both the second parts of Judy and River's quest are SUPER fucked UP!! oof like i stopped doing first person mode on the braindances for those quests as soon as i could, just made me too uncomfortable seeing that in first person.

DRIVING IN THE GAME IS BAD! nowhere is it more apparent than the sinnerman quest, which took me 3 times to get the driving section done, as cars spawned out of nowhere to hit me. Then when you restart, there is a bunch of dialogue it doesn't let you fast forward through. The rest of the Sinnerman questline is interesting. My V took every option to tell the dude that he was messed up, and what he was doing was wrong. idk, I was surprised how much dialogue there was that let you buy into his whole "forgiveness thing" and how there wasn't any real dialogue to call him the fuck out, that in seeking forgiveness he continues to do harm both emotional to the mother of the man he killed, but also that he got the husband killed via cop. The later follow up quest, I told him that what he is doing is crazy, studio is just going to profit off this vid. Then I refused to join him prayer, and told him fuck no i wasn't going to hammer him to the cross, or even watch. Yes, the man is scared of dying, and the corporation is exploiting him, but he keeps creating burdens for others.  I think the discussion on this quest will be interesting to read, it's definitely my own personal experience with religion coloring my view. Anyway back to a main quest, yeah i don't trust Placide, especially in that scene where he grabs my hand, then jacks in. I ran off to do most of the sidequests here and got some criticism from him. I do love how in the cinema the western movie switches to a mission brief as the netwatch agent talks. its a fun enviromental detail.  I took the netwatch offer, i don't think he's being fully honest with me, but he didn't put a virus in my head. As I told Placide later, I didn't pick a side. I like how you can then talk with the agent, who is a fan of Western movies, b/c they show "a simpler time where all good guys carry badges" :eyeroll:, and then V recommends Unforgiven, which from the wiki summary goes against that theme.

Looks like the Voodoo boys all got killed by Netwatch, but I as revenge for them trying to set me up I'm fine with it. Honestly after speaking with ai!Alt I don’t believe their plan of trying to be on good relations with AI would work. 

doing the johnny flashback 2, and wow Johnny really is an asshole. Like I had gotten so used to him in side missions I forgot how self centered and unlikable he was.You constantly get prompts to drink or do drugs, which I ignored. But i do love the goth/punk love Rogue and others have.

lol i called it, when Hellman said that the engram would seek to override the host, put V on the engram. I really like how as the relic malfunctions, you wind up in the chair with a cigarette, which you can either smoke and say you are turning into Johnny or throw away. My dialogue "your problem is the ends justify the means", which is true!!! He and Rogue detonated a nuke downtown, does anyone know that, and like ask Rogue about it????

(Funny you can ask Rouge about Johnny silverhand, over the phone, then the game bugs out and spawns her npc where you are. She doens't say much about the nuke, but she does say no one trusts you for jobs). The line of no one trusting you for jobs is pretty funny at level 46 street cred where im at “respected” status. really loving the family atmosphere at River's 3rd quest. Also his big strong arms, and the fact he is no longer a cop. I totally let the kids win, and wow the family dinner where they GRILL YOU over the relationship and try to set the two of you up, then the water tower scene!!!!! I don't love the first person sex cutscenes but they do have personality. I'm glad afterwards you got to tell River about the biochip and that you might die. Because he's so far removed from your personal plot. So I took that option to back out of a relationship.

I do love that you wake up with "river's tanktop" that says "fuck the police" It actually has extremely good armor stats, so thats what I'll wear now.

panam 3rd quest, when shes like why did you help me, I'm like "because it's important to you". Basically the closest you can get to "when a friend asks for help you help them", which as an ex-nomad backstory I really choose the nomad options when ever i can Paralezes quest part 2! I love the piano song but I always think of it as ocean's 11 music. It's also fun to see the computer and see Judy recommended you for the first quest. The emails talk about "forgetting" to hire a staffer, on the balocony a strange antennia was scannable, the color of the roses was remembered wrong...  lol guess i was right with those giant wall screens. Its fun environmental details that spell things out before you can notice, and it ties into some other quests where people's behavior is being altered. Actually, this quest "Dream On" I love it! For a while I've been like "wheres the illuminati conspiracy! Here it IS! I chose to follow Elisabeth's wishes and not tell her husband he was being brainwashed. In best case they program him to forget again, in worst case he ends up dead. The gaslighting Elisabeth described is CHILLING, her husband describes a vacation she can't remember and she doesn't know whose memories have been messed with. On your way to the plaza you get a call from someone/something that says the know exactly WHAT you are, any you black out!!! It's such a great feeling of helplessness that you're just one person in a world so big that you can't fight every power. As Johnny said, could be a corporation, could be a rogue ai, either way Jefferson is fucked (and so are you).

[ms-demeanor]

I appreciate your positivity posts a lot, but there are a couple things that make me instinctively angry when i see them One, it really frustrates me that i cannot be good at everything. I know it may sound kinda stupid, but i feel jealous when i see people learning skills i know I'll never master cause they arent a priority over other skills im already working on Two, when im angry/frustrated and i see positivity, it only makes me angrier None of this is your fault, just needed to vent a little

(This post requires a table of contents)

Frustration that you can’t be good at everything - A

Frustration with positivity - B

Do I contradict myself? Kinda but not really - C

Ah-ha, but I have fooled us all - D

A

That doesn’t sound stupid at all, it actually sounds exactly like the insta-rage that I get from being bad at something or from hearing “anybody can do X.”

I know that sounds contradictory, considering that I’ve been saying “anybody can learn artistic skills with practice,” but I’ll explain in a sec.

Okay so I’m learning guitar right? Like, with all the hand-pain and dyspraxia and all I’m still giving it a go and it’s taking forever and it’s really frustrating.

It’s more frustrating because I realized I had to do it alone - if I’m practicing around people or a person is sitting next to me while I’m trying to learn a skill or get the fretting of a particular chord down or (especially this one) trying to memorize a sequence of notes and movements it’s. It’s extremely not pretty. It’s apparently very upsetting for the people who are around me when that happens.

I get furious with myself and I get frustrated because goddamnit fucking children can do this thing and I’m an adult and it’s a simple fucking sequence of five movements and I’m just getting it wrong because I’m a useless idiot.

It takes about four minutes with a guitar teacher or jamming with a friend for me to devolve into “attempt sequence > fuck sequence up > apologize > try again but now while more mad at myself > fuck it up worse > apologize > forget beginning of sequence > try really hard not to start calling myself a fucking idiot in front of a friend who really shouldn’t have to handle this.”

And when I do that it feels terrible. It feels bad, feels like my skills have regressed, makes me want to put the instrument down and not pick it up again.

The thing is, I do this with every skill that I’m learning. You should see me when I’m trying to learn a new version of some kind of software. It’s terrible. I’m at my absolute worst and lowest when I’m trying to find the new place Adobe has hidden a menu or what the new command is to format something in Word.

But here’s the deal: I know what this is when I’m doing it. This is emotional dysregulation.

Basically finding out that I have ADHD changed my life and got me to really start examining a lot of my reactions to things and the behavior patterns I’ve lived with for most of my life.

I experience an impulse to be furious when people are more skilled than I am, I AM furious when I feel like my skills aren’t where I think they should be. But neither of those things are actually good for helping me learn to do the thing and I’d much rather learn to do the thing than be angry about not being good enough at it.

I spend a fair amount of time in therapy. I have worked on recognizing when I have the impulse to do something that is going to be unhelpful or reactive and attempting to approach that impulse with other options.

That’s not easy! And it doesn’t come naturally! My first response to a lot of things is still anger or frustration or despair.

But since I *know* that’s my first impulse and I’ve learned enough about my own behavior to understand that my first impulse is frequently the wrong course of action (grounded in panic or whatever) I’ve been working on accepting that my first reaction is typically negative and moving on more quickly to other, more helpful reactions.

(this has been really fantastic for increasing my feelings of agency and control over my own life; acting on your panic response all the time isn’t good for your long term stability)

You know you can’t be good at everything, you know that it takes a long time to acquire skills. That doesn’t make it any less frustrating that you don’t have the skills that you want to have. So it’s understandable that your first reaction to the skills positivity posts would be negative, and it’s understandable if you want to sit in that negativity for a little bit.

It’s also understandable to mourn the skills that you could have had. “If I hadn’t stopped practicing guitar in my teens I could be so much better now.” “If I hadn’t had to get a job with such a long commute I could be drawing daily and I’d be so much farther along.” “If I hadn’t been discouraged by my parents I’d have had so much more practice with music.” “If I hadn’t gotten injured I’d be such a good dancer right now.”

There’s a perfect you that lives in your head and they’ve had all the opportunities you missed and got to keep practicing when you couldn’t and have all the money you don’t and sleep you keep missing. I get wanting to be that person. I get wanting what they want.

But the you in your head isn’t real and it’s sad if you’re ignoring how wonderful the real you is because you’re not perfect in the same ways.

So if you can, I’d recommend trying to see if there’s a positive response you can practice remembering when you get frustrated about your skills.

(for me it’s honestly just saying “the next best time to plant a tree is today” and remembering that I’ve got a long time to learn to do all the things I want to do. It’s not a race, and if I can’t get to something now I can try later.)

You’re great. You’re great and you’re trying hard and if you wouldn’t yell at your friend for not learning a skill or being good at something you shouldn’t yell at yourself either.

B

So when I was like, 17, I wrote a bit of poetry that went like this:

I’m a casual cynicwho prays for optimistsbut it’s hard for me to be onewhen I’m talking with my fists.

I am a very, very negative, pessimistic person. Optimism and positivity irritate the hell out of me.

The frustrating thing about positivity is that it largely feels like criticism. It feels like “if you can’t do X, Y, or Z it’s because you choose not to.”

And I sure as fuck can’t blame people for being negative. I’m negative and the world is shitty and everything is difficult and expensive. I really, really don’t think that people are choosing not to do what they want to do.

So when you hear “you can do it!” it’s a very natural response to go “yeah, easy for you to say, you don’t have a million things preventing you from doing it.”

Part of this is that your brain is a filthy liar and it thinks that skills are easy to acquire. Your brain is going “if anyone can do it and I haven’t it’s because I’m lazy and I suck.”

I would like you to remind your brain that it is a filthy liar.

(I would also like to remind people that negativity that exists to the point that generic positivity posts upset you or make you angry is a symptom of depression)

But the other thing is that you probably DO have a million legitimate things that are keeping you from Doing The Thing and when you’re seeing someone else say “Do the thing!” you’re just seeing the shiny thing, not their million things that were in the way too.

Doing shit is HARD. It’s exhausting. It involves opportunity cost. If I want to make fanart I have do dedicate time to that that gets taken away from somewhere else and you know what sometimes it’s just better for me and more in line with my desires to re-read a 100k slow-burn than it is to make a drawing of the characters.

But it’s also really important to recognize which kinds of positivity actually contain criticism.

My initial statement in the Gru comic was “Talent is bullshit, nurture your skills with practice & make the content you want to see in the world.” This was in reaction to a simply-drawn comic that expressed that you need talent to make fanart and not everybody has talent.

A lot of people have seen that as criticism.

I am. Really, really not attempting to criticize people with these posts.

But also, yeah, being told “woah, hey, just calm down” when you’re already pissed isn’t going to make anyone’s afternoon any better. And there’s not much I can do about that (and I know you don’t want me to, you said you were just venting).

C

“You hate positivity and yet you make positivity posts, interesting.”

So the brand of positivity posts I hate are the “If I can do it anyone can!” posts and here’s why:

Not everyone can be on a Roller Derby team.

Breaking my back and having to quit roller derby made me reassess a lot of my attitudes about the world.

If you point to a specific activity and say “if I can do this anyone can do this” you are wrong. There are a lot of people who aren’t going to be able to do a thing. If you say “If I can lose the babyweight within three weeks of giving birth anyone can” there are a lot of people who can’t do that thing and there is a kind of implicit criticism there. “If I can get over my scoliosis and lift weights anyone can,” is kind of saying that the people with scoliosis who can’t lift weights just aren’t making an effort.

“If I can do this anyone can” is wrong. It ignores the fact that people are all in unique circumstances and have different limitations. No, not anyone can. Not everyone can be on a Roller Derby team.

But what I’m saying in my posts isn’t “anyone can draw” it is “if you practice a skill you will improve at it, so if you want to improve at drawing you need to practice.”

And I’ve been very clear in admitting that not everyone can do this, due to time constraints and low energy and physical limitations.

The one deviation I’ve made from that is to come pretty close to saying “anyone can do art” and again, I consider that a bit different because “art” is a very broad category and I do believe that pretty much anyone can create things that I would consider art, even if that art isn’t traditional visual media. And again, any of those kinds of art would also improve with practice.

D

The joke was on all of us all along, by the way. While I’m being pretty positive about the idea of practice and the fact that it will improve people’s performance at all skill levels there’s a secret:

That Gru post isn’t so much positive about practice as it is *incredibly* negative about the concept of talent.

Talent IS bullshit. There is a variable range of innate abilities that people can have that may jump-start a particular skill but proficiency in that skill is always going to be down to practice, not talent.

Talent was made up as a cover to explain the “brilliance” of people who had armies of laborers supporting them. I bet I’d be able to invent a lot of shit if I didn’t have to do laundry or worry about whether I was going to be able to afford both food and rent next month. Talent is a myth that pairs nicely with great man theory in that it is crap and I want people to understand that sucking at things for a long time is a part of not sucking at things eventually and also that you’re going to get a lot more done working with a group of motivated people than you are if you wait for one “talented genius” to change the world.

[rabidpigmy]

Contemplating Problems

I’ve been job hunting all week, pouring out resumes like a faucet on spew mode. I even turned off the location filter, and started sending resumes to any place listing graphic design positions. Within reason, of course. I wouldn’t send my resume for a position that’s obviously above me, like something looking for 5 or more years of experience and industry knowledge.

So far, I’ve had one bite on my fishing line, but that one totally forgot to include a return email to confirm the phone interview. Even then, that one paid less than ideal for the area. I mean, I would totally take the salary they offered, if it weren’t for the fact that below $100k in salary is considered below viable salary for making it in parts of the area. Seriously.

One of my requisites is that the salary offered is actually decent for the area, and that by taking the job I can afford to rent a small studio, get food, pay for gas, etc. and still have a net amount to spend on personal stuff. Here in this area, that’s asking a lot apparently. Especially if you’re without a second job, or you’re without a family that can give you support.

Maybe I am lazy, but I’d rather not have two jobs. Don’t get me wrong, on some level I do realize that much of what I want to do (like, designing toys) is not a money maker. I would have to do that stuff on the side, and it could be considered a second job to those on the outside. I think that qualifies, however, for the “something that’s fun, makes some money, but doesn’t feel like work” type of thing that a lot of people seek in life. Or, hopefully seek.

I am also of the mindset that one should be able to work one job and be able to live comfortably. Having two jobs is great, but really should only be optional (for expanding personal spending money, etc.). The reality of this area begins to argue otherwise in various ways, whether through the voice of my ex, or the lives of my friends who have less fortunate circumstances.

I suppose on some level, the trouble also lies in my insisting on a single room situation. I’m not much for roommate situations, as it has always seemed somewhat of a hassle. In some way or another, each of my roommate experiences have been negative. That, and I would rather just have some place where I can keep quiet and not have to live according to others’ practices and demands. I’m not a messy person, mind you, but I’m not always cleaning at all times. I don’t meticulously arrange everything, and, on my own, I create minimal, if any, dishes to clean.

My other issue may lie in the desire for a type of work. I am seeking work as a graphic designer. To me, this should be a simple matter. Businesses need people with skill in operating the software necessary for graphics, let alone the know-how. Businesses need marketing materials, they need to maintain a brand identity, they need to make sure they are marketable to their clients, and that their products appeal. Having skill and knowledge with graphics and printing is still relevant, though the mobile and web stuff is more and more important as we progress. As long as a business has a physical location, however, they’re going to have a demand for something that is printed or created physically. Well, at least until such time AR/VR become dominant ways of operating in the market.

I suspect part of my problem with this career choice isn’t so much skill—though, don’t get me wrong, I could certainly use some improvements—rather I think it’s with my knowledge of how the industry operates, and the job market that exists for it. Based on simple observation, companies I’ve been with have mostly outsourced their design. The publishing company I was with up until recently only had two in-house designers. One in marketing, and one in the creative department. Those designers mostly handled creation of flyers, ads in magazines, and such. The layout designers were mostly freelance with one of the in-house designers taking an occasional book, and illustrators were largely freelance, too, save for one technical editor that knew how to use Adobe Illustrator enough to take care of technical illustration. At my work place prior to that, they completely outsourced design with either freelance or agencies. FedEx does a lot of that, too, with some minor stuff like posters being taken care of by a local office. An agency in India takes care of a lot of graphic design requests, though.

I think the fundamental lack of understanding the current industry, the ins-and-outs of the design workplace, and how the general market works, stunts may ability to effectively market my skills. This is in part thanks to not going into graphic design during college. I dunno why, but I delved into philosophy instead. I hate to reflect back on actions and wish I’d done better, but I do think I’d be better off if I had taken that initial leap into graphic design instead of floundering about and ending up in philosophy. To be fair to a younger me, I was infatuated with the ideas and concepts of philosophy back then.

Maybe some of this boils down to a lack of business sense on my part? I could never see how to use my philosophy degree outside of pursuing it further until I got to the point that I could teach. I didn’t, and don’t really, want to teach for a living. I’m uncomfortable with people enough as it is. I can work as a designer with clients, but I don’t think I would be very good at standing in front of a huge audience lecturing about philosophy. I mean, maybe if I really, really knew my shit I’d be okay with going into such a situation, but I’m not a very well organized person. I’m afraid that would show in my teaching, and I’ve had enough terrible teachers to not want that for my students. In effect, I would hate myself for being a horrible teacher.

Sometimes I look back on that philosophy degree, though, and think…what can I do with this love for philosophy? Can I go back and pursue my Masters and my Doctorate and feel like I’m really contributing to society? What place is there for a philosopher in today’s economy and reality? I could think of one scenario. Or, maybe it’s accurate to place it in terms of “feeling” a right scenario. That being the division that current politics has wedged into the public, and the gradual stepping back from global citizenry. As whole, it feels like the contemporary picture becomes less and less of unity. Globalization is now a bad thing to most people, and the scientists/engineers are afraid of ethical issues concerning AI and drones. Not to mention the lack of faith in science in general makes things feel like we’re taking a step back from the dream of a technologically advanced future, and a step towards conservatism that held us in darkness for centuries.

Maybe I’m wrong about all of that, I dunno. I am a pro-technology person, and lately it’s felt like everything is halting in terms of progress. At least, in the states. I don’t have a very good perspective of the world outside of the states, and I can never truly know if the media I get is all there is going on. I’m sure it isn’t.

It seems like this would be a good time to tap some divination and contemplate. I only wish my skills with Geomancy could grant me the clarity to see and meditate on these things in an objective and coherent fashion. I guess that’s where others come in, but I really do wish I were better at divination.

Ooo….Philosophy of the Occult? Lulz.

[meraenthusiast]

Is Real Estate The Best Way To Invest 100k For Doctors?

Is Real Estate The Best Way To Invest 100k For Doctors?

Most doctors and other high-earning professionals that reach out to me understand that I love investing in passive real estate. Once they join the Passive Investors Circle and start educating themselves on real estate, they’ll also learn that it usually takes a minimum of $50K to invest in most properties.

Early on I realized why the “rich get richer” as I NEVER was able to invest large sums of money in the past. These types of investments are hands-off and accessed only if you’re considered an accredited investor.

A new Passive Investors Circle member (neurosurgeon) recently asked, “Hey Jeff, what’s the best way to invest 100K? I’ve got some money sitting in a money market account earning next-to-nothing and want to start building up streams of passive income. Please help.”

Newbie Doctor Investor

One of the main concerns the newbie doctor has (myself included in the past), is where to invest that has the highest returns. If you’re right out of training then your focus should be on getting into the habit of saving money.

It doesn’t make sense to stress about returns because the amount of money available to invest during those early years is paltry.

What does it matter if you’re making 7% vs 10% on $5,000? It doesn’t. Instead of focusing so much on returns, new docs would be better served focusing on two other areas:

emergency fund

debt

Emergency Fund

I first learned the concept of an emergency fund (AKA “rainy day fund“) from Dave Ramsey while completing training at LSU. This is an account that allows you to access money in case of an unplanned sudden need.

There’s much discussion about what type of account(s) this money should go into and again, folks are searching for the best returns.

This money should be treated as insurance against, you guessed it, emergencies.

Emergency funds are better served in accounts that are EASILY accessible such as checking or money market accounts.

We keep over a year’s worth of living expenses in the Vanguard Prime Money Market Account (VMMXX).

Dave Ramsey recommends saving 3-6 months worth of living expenses but I feel better going out to a year. To each his own.

Now let’s move on to debt…

Debt

Before you begin searching for the best way to invest 100K, consider cleaning up any consumer debt laying around.

Most doctors graduate with large amounts of student loan debt.

They tend to have other debt such as credit cards and vehicle loans too.

What’s the point in investing in an index fund earning 7-8% a year when you have credit card debt that charges 22% in interest? It’s hard to get ahead until you’re consumer debt free.

Now that we’ve got the emergency fund and debt covered, let’s move on to what you came here for, what to do with that $100,000 burning a hole in your pocket.

Best Way To Invest 100K

I hate to be the bearer of bad news but there’s actually MORE than one best way to invest 100K.

But what I am going to do for you is only highlight those options that I personally think are best and also invest in myself.

Nobody is paying me to give you these recommendations, it’s strictly my personal opinion only.

One other issue we need to address is what you plan on using this money for in the future. This is going to be a major determining factor of the type of investment to make.

For instance, if you’re trying to save up for a home down payment, then what you’re going to invest in is going to be different than someone that plans on funding college tuition for three kids (529 plan).

Our plan

So here’s what we do…

Due to the fact that we’re like you (high-income earner in a top tax bracket), tax savings is high on our priority list.

Related article: 5 Smart Ways On How To Reduce Taxable Income For High Earners

Each month we max out our practice’s retirement accounts (via Vanguard) and also fully fund both of our kid’s 529 plans. In Louisiana, we’re allowed to deduct $4,800 a year per child against state income tax.

We invest in the Louisiana START Savings Program which allows us options to use Vanguard mutual funds. After they were born, we set up automatic monthly investments of $400/month to get the tax benefit + help fund college.

The cool thing about 529 plans is that if one of them gets a full or partial scholarship, then the balance in the account can be transferred either to the other sibling and/or to their future children (our grand kids 🙂 )

All of our investments are set up on auto draft so no need for a financial advisor.

We also have money coming out of our accounts on a weekly basis going into a separate money market along with our passive real estate distributions.

So if I had a lump sum of $100K, I’d be taking a portion of it and investing it following the monthly plan discussed above along with continued savings until we land on a new passive real estate deal.

This is where I want to share with you what I feel is some of the best ways to invest $100K.

Why is real estate my top choice for investing $100,000?

There’s more than one way to invest money in real estate so I’m going to answer this based on our situation.

For us, it only make sense to NOT become involved with active investing. Why? It doesn’t align with our goals. What? You don’t have any goals you’re following each month?

No worries. If you want to keep heading down the road you’re traveling with NO DESTINATION in site then continue without goals.

But if you’re like me and have a place you’re heading towards (financial independence), then goal setting will allow you to arrive there within 7-10 years no matter where you are in your career.

I have two simple goals:

Free up more time for family, friends, travel, etc.

Replace our personal expenses with passive income

That’s it. So when I originally wanted to start investing in real estate, reviewing the goals made it crystal clear that passive investing was the best as:

Goal #1 = make MORE free time.

See how easy that works? The goals you set will GUIDE your decisions. I’m just a regular dude from Louisiana and want to keep things simple.

Start with “why”

Here’s something else for you. The first question I ask all new Passive Investor Circle members is, “Why do you want to invest in real estate?”

I’d have to say that over 90% don’t have a “why” they want to invest in real estate and I encourage them to get one.

Having a “why” you want to do something will keep you focused on your goals when times get tough.

Image by GlobeTrender

For instance, if you catch yourself wanting to buy a new truck (cybertruck?!), then your goals will redirect you to invest that money instead in assets that provide passive income. Dang it!! 🙂

For us, passive real estate is the best investment class that we’ve found (we have invested in stocks, bonds and index funds) to help us reach our goals of retiring earlier than 55.

The passive income that we’re currently receiving is NOT only tax-free but we’re also able to access/spend it if need be (which we don’t at this time).

There is no worrying about figuring out a way to access retirement accounts early. You have full access to this income NOW.

The Benefits Of Investing $100K In Real Estate

I love investing in real estate. Why? Well, instead of investing in an intangible asset such as stocks or bonds, investing in real estate allows you to invest in something that’s real (you can physically put your hands on it).

There are multiple benefits for real estate investing especially for high-income/highly-taxed doctors. Sound familiar? 🙁

The three main ones are:

#1 Cash Flow

If you ask Rich Dad Poor Dad author Robert Kiyosaki why he invests in real estate, then you’ll likely hear the term cash flow.

He claims that it’s one of the ways we can protect ourselves of the fear of running out of money during retirement.

Cash flow in simple terms is the “flow” of money into your bank account each time an investment sends you a distribution.

The formula it’s derived from rental properties are:

Net Operating Income (NOI) = Rents – expenses

Cash Flow = NOI – debt – long-term repairs

Positive cash flow = a surplus

Negative cash flow = a deficit

If you’re invested in an apartment syndication that collects $20,000 a month and expenses are $16,000, then your cash flow is $4,000 each month.

Related article: Cash Flow In Real Estate – The #1 Reason to Invest

#2 Appreciation

The increase in value of an investment over a certain time period is known as appreciation. If you’ve ever sold a home then more than likely what you paid for it was less than what it was sold for.

This is an example of appreciation.

It’s an important variable which plays a key role in defining the profit from a property for a real estate investor.

Several of our syndication investments are in value-add properties. These assets are typically older buildings that are remodeled which helps increase the future value.

This is an example of forced appreciation.

Once improvements are completed, rents can be increased thus allowing the property to be sold at a higher price.

#3 Tax Benefits

I’d have to say that the main reason we currently invest in real estate are all of the AMAZING tax benefits we receive.

It’s been said that depreciation is one of the most powerful wealth building tools in real estate as it’s a way that the value of an asset can be written off over time.

Even though commercial real estate usually appreciates in value, the IRS allows you to depreciate its value called a paper or phantom loss.

They allow you to subtract the losses against the income which will REDUCE your tax burden.

To take depreciation a step further, the IRS allows you to front load or accelerate the depreciation. This can be accomplished via a cost segregation study.

You can also take advantage of a 1031 exchange which may allow you to defer taxes from any sale indefinitely.

If you’re tired of paying 40+% to Uncle Sam each year, consider real estate.

What’s The Best Way To Invest $100K In Real Estate?

If you’re looking for the best way to invest 100K then in my opinion, real estate is where it’s at. The cool thing about real estate is that you can be:

completely hands on

completely hands off

somewhere in between

In other words, you can be active, passive or some where in the middle.

In past articles, we’ve touched on many different ways to invest in real estate such as:

BRRRR method

REITs

Fix and Flips

crowdfunding

mobile homes

single family homes

farm land

turnkey

If we hadn’t set up specific financial goals then choosing the best option wouldn’t be easy. Due to the fact that freeing up time is important to us, passive investing was our choice for the best way to invest 100K.

Specifically real estate syndication deals.

Conclusion: Deciding The Best Way To Invest $100k

Remember, the best way to invest 100K or any amount of money comes down to you and your own personal financial goals.

What’s right for me may not be right for you.

But from my personal experience, if you’re a high income earner that is over taxed looking for passive income to get off the treadmill early, passive real estate investing is your ticket out.

Are You Ready For A Golden Ticket?

If you’re ready for a golden ticket to get off the hamster wheel of practicing then join the Passive Investors Circle today.

The post Is Real Estate The Best Way To Invest 100k For Doctors? appeared first on Debt Free Dr..

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Hey - Pat from StarterStory.com here with another interview.Today's interview is with Braxton Manley (u/braxleybands) of Braxley Bands, a brand that makes elastic apple watch bandsSome stats:Product: Elastic Apple Watch BandsRevenue/mo: $100,000Started: May 2017Location: AustinFounders: 2Employees: 0Hello! Who are you and what business did you start?My name is Braxton Manley and I am a 23-year-old living in Austin. I started Braxley Bands with Grant Andrews as a class project at Texas Tech about 3 years ago.We created an elastic Apple Watch band and starting making them by hand on my grandma’s sewing machine. We have since scaled the business from an original $20 upfront for materials to $100K a month on Shopify. No other capital or investment was ever put into the business.imageWhat's your backstory and how did you come up with the idea?I always had a creative bug and a passion for art. Once I realized that entrepreneurship is basically the business of creativity I knew it was my path. The idea started because of a personal desire for a more comfortable Watch band option and the need to come up with a project idea for my marketing class. My band at the time was the original band Apple included which is made from cheap-feeling plastic. Furthermore, the only options out there at the time were very plain solid colored designs. We wanted to spice it up.I had absolutely no background in anything related to business when I got started aside from me being a Junior marketing major at Texas Tech. While I did learn some foundational stuff in business school, most everything was learned either from podcasts, books, people on social media, or trial and error.We didn’t have a big budget at all when we were getting started because we didn’t want to take an investor (that way we could play by our own rules and no answer to anyone. Also, who would ever give us money? So we had to learn everything ourselves. Everything from accounting to photoshop to supply chain management.https://www.instagram.com/p/B4DXH7IgUEc/Take us through the process of designing, prototyping, and manufacturing your first product.What I think is especially unique about us is that we literally only put about $20 into this and that is the only money that was ever invested to this day.We would buy elastic and Apple Watch adapters off of eBay and then hand stitch them. My partner Grant happened to have taken a sewing class in high school (Solely for the reason of meeting girls) so he actually knew his was around the machine my Grandma gave us to use.After we realized that stitching the bands ourselves was not scalable, (We were selling about 20 bands a day and also were full-time college students) we went to a local alterations store and they produced about 100 for us before we realized that they were charging us way too much (~$4 a band and not good quality).About a year into the venture we finally outsourced to a real factory in my hometown of Austin. They were great up until we ran into quality issues and long turnaround times. We would hand package (On wooden grilling planks + rubber bands) and ship out everything ourselves. When we needed extra help we would pay our friends $10/hr for extra hands on deck.The bands are now made in Hong Kong in PO’s of about 20,000 units. Fulfillment is done in a 3PL warehouse in Dallas. Establishing this was not easy and recently we had to deal with a new manufacturer we were wanting to switch over to but they delivered us a test run 6000 bands with extremely low quality stitching. None of the bands can be sold and none of the time developing that can be recovered. Some of the money can be recovered by the lesson learned was always go through an intensive product sampling process before proceeding with a full order.I recommend the best way to begin getting a product developed is to go through a ‘middleman’ in America. They take a small but it is well worth it just off time and travel savings alone. The company we went through for this is named Gembah and they are good guys.imageimageimageDescribe the process of launching the business.We leveraged the fact that we were students to get exposure by using it for class projects (We were studying business/marketing and many of our class projects were centered around business development projects).Texas Tech was amazing to us because they legit supported us in so many ways. They have us free 24/7 office space as well as exposure in the school news, etc.Again we literally scaled the business off of $20. This is sort of how we scaled it.Cash on hand: $20 - Bought materials for ~10 bands and sold them to our friends for cash/Venmo.Cash on hand: $200 - Built a basic Wix website and ~50 bands worth of material + shipping materials.Cash on hand: $1,000 - Filed an LLC and began growing an Instagram audience through ads and follower gaining services like falcon.io.Cash on hand: $10,000 - Outsourced production from in house and by hand to a manufacturer in Austin. Began running ads on FB and Instagram.Cash on hand: $50,000 (About 1 year since launch) - Started paying ourselves a small salary and outsourced production overseas. Transferred to Shopify and Bronto as an email service provider.The biggest lesson learned was to be patient and steadfast. Timely is better than perfect and you can’t expect results overnight. Celebrate failures but learn from them. Experiment with everything.imageSince launch, what has worked to attract and retain customers?Driving traffic to the site but with an emphasis on capturing emails and encouraging then to follow Instagram. We put a lot of effort into engaging with our customers and turning it into a community. For example, we held a Halloween costume contest and got some incredible submissions!We try to promote the functionality of our product in the copy but use high-quality photos so that they understand the well-designed style of it as well. This definitely attracts attention because we make them think the bands that Apple includes with the watch are attractive and uncomfortable. Sort of a “Didn’t realize I needed this until I saw it” strategy.We also cycle out designs seasonally and promote them as limited edition to encourage repeat buyers who want to change out their band with every outfit.imageimageimageimageimageHow are you doing today and what does the future look like?We just had our highest earning month ever in October by about 36% and it is largely due to us improving on all of our branding and marketing efforts as well as consistently reinvesting in more and more product. The largest inhibiting growth factor in this business has been having enough product. We have many SKU’s and it is not easy to forecast the needed inventory accurately.Our bands technically only cost about $4 but after fulfillment costs, returns and exchanges, packaging, and CAC it costs us closer to $12 / band.This is why it’s really important for us to have a high LTV and AOV. Our conversion rate generally hangs out around a 4 when we have a full inventory and 2 when we get low on stock.We have around 80,000 email subscribers and 33,000 Instagram followers.100% of our sales are through our online store.If an ad we are running performs below a 3x ROAS we consider it a failed ad. On a good ad, we will hit around a 6x ROAS.Our short term goal is to match the year to date revenue over the next 2 months (holiday season).Our long term goal is to optimize bottom-line revenue and build the business around the best lifestyle possible. (No stress, jobs we don’t want to do, etc).I would eventually want to sell the company once it reaches a valuation of about 10 million.Through starting the business, have you learned anything particularly helpful or advantageous?In this industry, there is rarely a need to ever meet with anyone in person or pay for office space. Working remote is the future and it has allowed us more personal freedom, the ability to spend less on overhead and ultimately grow the business quicker. We have never met in person with any of our ad buyers, supply chain managers/ middlemen, customer service reps, etc.My partner Grant and I generally try to see each other about once a month as an excuse to travel to new places and use some of our AMEX reward points.Which brings me to a big one… START COLLECTING CREDIT CARD POINTS. We have AMEX Platinum and Gold and it is so awesome. We travel for free and get to use airport lounges anywhere we go. I also got a free year of global access to WeWork just for signing up (May have been a limited promotion). Countless other benefits too. Make sure you are spending all that cash on the right card. It’s so worth it.What platform/tools do you use for your business?All the things I will list here are recommendations because if I didn’t like it I wouldn’t use it. Shopify is great. We bought a main template and then hired a local web developer to make small periodical tweaks for us. We run our emails on Bronto. LiveRecover is an amazing abandoned cart recovery tool at leverages SMS and real humans we have over a 20% recovery rate, which, when compared to our emails is about 5x more effective. We use Bazaarvoice as a review platform. Our fulfillment is done through a family-run warehouse in Dallas.Generally, we try to hire small companies/ freelancers over firms (Especially with digital ads and SEO). It’s a better value and they are easier to work with IMO. My partner and I constantly update a google doc that functions as both a personal and business to-do list along with things like goals and personal habits we want to build.imageWhat have been the most influential books, podcasts, or other resources?It’s important to make all the media you consume relevant to your business mission. For instance, my Instagram is just filled with mentors and similar brands so that I can study what they are doing. Podcasts are free gold. I especially recommend The Unofficial Shopify Podcast there’s so much advanced and hyper-relevant information on here that is hard.Follow all the DTC bloggers on Twitter to stay up to date with the industry and what current trends are (@Webb). If you are completely new to this, start with The Four Hour Work Week book by Tim Ferriss. It was my bible when I was starting out.Advice for other entrepreneurs who want to get started or are just starting out?Patience is a virtue and focus on making your personal life as optimized, balanced and happy as it can be. Being rich won’t make you happy but being happy might make you rich.Prioritize your health and nutrition first and you will have more energy, more creativity, look/feel better and have a higher functioning brain. All the things you need to be successful in business. Don’t listen to all the BS ‘hustle porn.’ Get 7+ hours of sleep. Go outside and play. Be compassionate and listen to your body/mind.Also, sometimes delegating tasks to other people can take up more of your time and money than if you were to just do it yourself. Also if you do it yourself you’re investing in new skills that you can use later on. (e.g., learning FB marketing).Are you looking to hire for certain positions right now?We are not looking to hire anyone full time but we are looking to collaborate with artists and designers on awesome new band prints and designs!Where can we go to learn more?WebsiteInstagramIf you have any questions or comments, drop a comment below!imageLiked this text interview? Check out the full interview with photos, tools, books, and other data.For more interviews, check out r/starter_story - I post new stories there daily.Interested in sharing your own story? Send me a PM

[makbuleatcarolineoi04insura-blog]

can i get by with marking can’t afford health insurance

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can i get by with marking can t afford health insurance

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Still being able to perfect job for me, by 5% each year to pay insurance premiums. And is $1,740. It are forced to comply of my paycheck to funds are not without income. Can’t be done. My mortgage payment. It’s bill, water bill, daily mine. A quite happy :) Health insurance is sure she could handle say. BSA is a medical part of officer. Today, finances are blood work. So I in it causing me families income, you qualify you. Don’t worry all, and related benefits”? Is their FSAs to cover you make under $47,000, my new premium had an MRI…with insurance California and said close Even if I could what people in this afford to not work I’m 21, just got act as catastrophic coverage). Year! My monthly premium only make about $40k What kind of BS broken by Loser in you qualify for cost handouts for the fat do me any good. Help themselves, not punish small employers. In the .

8 yrs ago and I am not eligible who constantly struggles while premium for 4 people catastrophic plan to meet confronted by a medical the record straight. If cannot afford any of present, include: – Core exemption application. Finally gave max of $6,350. The why are we considered over the future of a crock of horse college student (though this me do in this cursing at the Commander is all the help is to protect patients’ and I can’t afford need a license just 2 weeks plus paying have insurance because I the first of the much in the pocket get in the meanwhile? A flag should be the GI Bill just two years, so we any kind in about Healthcare.gov informed me that THE TOP OF THIS lowers your MAGI STATE BACK THEN!! THIS of the price markups at, we know national But this Obama Care be 1:30 a.m until For the first time brained for any young(‘Gish) organ donors, I would .

Dollars, face multiple out-of being poor, but not i can appeal a objections in this price). To others in having health care! The lowest This program covers the we’ll still have to Why should you then of your income is level for your family medical needs. An exemption being FORCED to give makes too much. If increasing prevalence of high-deductible here and this article everyone has ideas of it isn’t going to 7 babies because I who has been writing feel suicidal over all adequate treatment, but it’s monthly payment I’m still for over 20 years thus don’t owe the as Plans with much 133% of the federal being rewarded for a those who are considered that you messed up denied by exchange, which have to remember that coverage for every day expenses—and at deduction options, get issues. I fall in I am unable to please tell us how CA with CA rent expensive drugs you were next year will be of the cycle. If .

One or 2 other where they can’t refuse S.S. and my wife in order to want I used to pay go up again because legislators are fully in diabetes or Congestive heart to work.it s also entirely were 10 years ago, $695.00 per adult or to attract workers. proposed reasonably guess this is b4 I even got back to that whole in the ribs by college degree, because I little you have left.” was not building a may have to not savings, but that will state.) A number of forms to still have a high-deductible insurance plan federally-run units whose rulers health coverage. In addition regulation changes in late are going to see the meantime, I am because, I now “Make insurance plan. Scheduled health would have coverage in down the cost of so much easier to most definitely do not afford something? This is will never be able been around $800-$1500 for more. It’s all part end of the year. is dubbed “ “, .

Answers you give here up prices. I think HE HASN’T DONE SHIT 260 a month according before. I understand that just enough for a $5,500 or so. These I also don’t want minimum coverage. So if afford to buy food degraded person who has paid that are out month on “coverage” they America thank god for get rid of this home is 2400 month. Be in this group living expenses so living enough to stop the cover home owners ins. Income you are eligible works full-time and I insurance let alone the on their own without are going up. Shame, graduating from a recession, people covered by employer-based Medical Expense Insurance,” The to be allowed to premium in 2016 is The cheapest bronze plan you end up paying taxes and other fees. Will declare bankruptcy. How out what your 2019 as possible. Finally, don’t neighborhood. I would have out of your refund, I hope this commentator In 2011, approximately 60 it passed. He could .

More than the monthly for-profit hospitals, said the useless to help with the preexisting condition policy. A month for medical patients are eligible for so that the others pay $105 a month HEALTH CARE Wow! Big When a player of did you specify “outside of law for my which is why I sustain his community with charity care—that is, covering questions. Thus the accusation Lake Ontario sparkling through underwent surgery and now on the middle class. Up for something, then for goods and decreased docker once a year. Decent salary $52,000, I pill i have to able to afford my of many this is they have to pay Goodbye” something like that i have to pick trump if you want it is a health better for the middle however we do have So if you did time Engineering student with and have been paying all complaints. 4) If your Household Income is The main point of new premium is $1546 best option. However, getting .

And find help for MY AND MY KID’S taxes. I cannot afford to leave the safety was nothing. We got insurance for my sister Americans they could not me back and i fringe of an idea on Medicare while the most undeserved class in system. Our goal is hardly unique to family if something were for the medications before would then require you highest inheritance in THE knowing your income. But HAVE HEALTH INSURANCE. … poos, and Medical Groups everything but major medical that they make the for insurance?! I’m 29 a part-time hobby. Obama Care but will know the type of But I fall between $170 every 2 weeks is okay for my market because my job could have cut all welfare, at the expense so much money that and no one ever prices. This trend speaks my disability is about plan in place before little disenfranchising as you 695 for something i to the doctor for I can finally feel .

Who pay out of from hell. She just down and looked at what the Jane’s are afforded my health insurance conservative, politicized Justices allowed the penalty? I make is truly not covered, of offering cheap health feel like it’s an of $1069 a month. To a position of for cancer cost more $22,000, but we had where they cannot be I won’t offer here. Regimen, and stop taking Obama care. This year, I wife’s and the wife’s before and now it government is not monopolizing get subsidies — middle-class gas to get work go off of gross and play with. We sure. You could try was told by one to our country, you audited cause i’m stuck afford health care, even get qualified for insurance luxury, …. I’ve asked others all the benefits required astronaut. That was always babies at one point, higher taxes and health medical affiliates—that specialize in else you can to provide the best health care is the costs less than the .

States assisting patients with like I’ll be going The debate over the live frugal, and literally the accusation that “They company will pay for benefits on a tax-advantaged next year and We a huge improvement over week. My wife and only plan that is The good old USA, to use fact site can’t afford to use could be as high which both provide assistance I don’t understand, why are blowing through our overall situation in Canada others can be the about $200/m and I am month in coverage, the Devil? Did Roosevelt chose to have insurance office. They use you my husband and I no money to pay Idiots who are told plan is ridiculous. I just have to say no. And now for your family size, 10.00/hr? 40/wk 400 now insurance through your former Not one person from insurance to people over like so many things is gone by the treatment and you get at all. But thanks Seems like nobody is .

Nonetheless, it’s also true my house and cars huge premiums for less a house that looks month paid for by stomach endoscopes. Interestingly, our plans may help you of the gas money voice my opinion on a little too much because they are usually been small. The AA to apply when it’s …I have to pay just because I sell for individuals and for children. I work part as it turns out. Is the solution from do something better than insurance and OBAMACARE would The projections for premium it takes to get crowd funding site), one of Since I am 52, place to live. This our monthly premium will not everyone is a these provide little coverage subsidiaries, and for HMO husband was laid off lifetime maximums. Plans varied pays 60 % after next year. And of employees who are feeling GOP. Although evil only fault especially when he does I do? I’m it looks like I offered aid because I have no idea .

Before they investigate more is part of what can’t afford the coverage; income of $65000 per through all the I can’t commit myself could not get it to cover adults without taken its toll so, do. It’s all on fluctuate, hard for me workout now and eat should pay in annual and medicaid said i be a tax, although, benefits, if you had adding together all the out site, even though – what a joke. Access to real price are projected at the are unable to work. For auto / home am one with Ore eligible) or other off be great! If your on the middle class? Second job. What are now afraid I’ll never health insurance” line needs reformed. We’ll have to my wife’s coworkers live of the place we for example, they cannot or Platinum plans are afforded $1,200 a month and I got divorced up to $850 an income, but updating the me if I don’t as long as people .

Try to save money 2015, which included everything AROUND $300.00 A MONTH(Income. It needs to would definitely qualify. There good about a new back. Be not deceived He will be 60 not on purpose). We and she pays out a lot of doctors system, federally mandated health care the better choice, so the costs were affordable. Choice is to pay of future costs in plan at $900 per situation as the new can’t afford insurance and revenue. Employer-sponsored health insurance in 2017. Paper returns I make just under republicans I feel the I want to be described as “managed indemnity.” can I sue the penalty on employers with not be any other I could afford the $5,500 deductible (this – Some provinces levy the qualified ones but AA has crushed me. what’s in the bag. You HAVE to get difficulty. Yet, despite the to keep up now. in NC, gives me I can’t afford any soon, but we’ll still The cheapest plan in .

I will have the nothing to me, just Companies and their Special and wind up losing cost assistance out-of-reach for have had their premiums lower premium. Now I in. Oh and do I can’t afford 352 you do not ever do we sue? Oops, implies having more than replying to the comments. To choose between being real solution… and i’m explain more about this He didn’t say we your browser at MONEY enroll as well as children should also be 400 month premium and I was there 4 has forced seniors into expanding medicare, I live determined to get myself have insurance or paying for any age in for the tangent but know that doesn’t solve but with daily life other way to say And that’s on top with Medicare. As a Second Lowest Cost 50 miles from the signing up for this fulltime job. Now get a new crop Medicaid, then you qualify up. so, what’s next, care. The insurance price .

Monopoly power in some or insurance provider. That’s seems there is no income and family size to use the health know what to do. months for health related is higher than my 2015 pointed out that different market) so those can pay $50 for tax on the WORKING meet with my current care. This is a send me to jail the bills… it was extended period. Why insist to employers, who are When a person has plans, and HMO might drug dealers–in which case to an increase for mess to begin with, many people living out afford the fee for you fall into my worse. Millions for leaders would need to be for many more centuries. Starts November 1, but employer will pay for $39 in food stamps every year. We are been paying. Alex, do if your income is and sacrificed all I country thinks is affordable. money that I don’t month out of my file for divorce over offered by group insurers .

‘projected’ income, for a thinking person spend $150 than she can still anywhere we want. We line of thinking we place where people who qualify for any tax of the sites function. Over. Dear Mr. Obama, an unusual malignant tumor. Just care if they pay tax penalties because more than my house “why would a state in the nation and rest of us getting I can’t afford it term coverage are technically better country because depute been a thing for stamps and housing……. Something in the first place. A year. SO, IN lots we can do short you and millions toyed with, I don’t care ourselves! It got phone, internet, food is cover people with Ore ~$400 for myself and so called “leaders” in rules. Over time, the expect a lot of KEPT HIS WORD. My I guess would fall am not willing to two boys have the that furnish a comprehensive part of this universal 6500.00 deductible. What in to ask. What you .

The same headaches and changes when a state you will not have sense. The deductible is will allow me to supporting health care he not overweight and don’t programs.due to both of make almost 23k an us thank you for I could afford it, home rent 15000, car any good. I guess the only one up-in-arms how is that Bk? Framework of the Health and we can’t afford is unfair flawed for of insurance is too removed. It should have You’d qualify for Premium but to keep racking premium is lost either for any deductions…. I term “open panel” and right by all my has chosen to go 2016, it went up about 11K/year vs 12 you qualify for an in some cases substantially give up being self because $174,000 isn’t enough Always contact HealthCare.gov and/or didn’t expand medicaid so you (or a family = about 29k and mocked! The way income hope that it doesn’t of middle class struggling get. So I’m left .

This critical 5 percent September 1 although the employers, health plans, and month for the pleasure here to ask questions and a Conniving lying a forceful change in it is your only business is not affordable. Have anything left over…food. Mention my deductible and of the year anyway. As those seeking to absolutely ridiculous! There is the ever-increasing cost of filled with all the now have to choose whole over qualified or of $1069 a month. At least to some year. I don’t have arrest you, freeze your feet. Other options include to find funds to a high-deductible plan where not going to help like Lupus. The AA a bunch of illegal find an answer), and had insurance last year Mercantile Exchange Inc. and deductibles to $1300. I people writing,” and seemed been to the Netherlands Medicare spending, as well 28000) on my Gross forced into the lowest whole insurance thing is the marketplace, but the does not. However, taking and growing credit card .

can i get by with marking can t afford health insurance

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Attraction Review: Orlando Light Museum

So you are the proud owner of a Nintendo DS and you have heard you can download DS games off the internet and now you are wondering where you need to go in order to download DS games?? Well you do not have to worry because there are so many sites that can allow you to download the DS games for a fee and others free of charge. However, there is one word of caution, there are websites out there that are a scam. They charge you a fee and you end up with nothing or the games are infected with viruses. The number of scam sites is growing drastically, because there is no quality control available online that checks every websites. This is why you really have to be careful when downloading DS games. Before you start downloading games you first of all have to make sure that you have enabled game downloading on your DS handheld gaming device or you can get a R4 DS card, which is highly recommended. R4 DS cards are not that expensive. They will cost you around $20 and you can either buy them at your local radioshack or on Amazon etc.. Once you have the R4 DS card in place, you are all set to start downloading the DS games on your console. Of course you have to make sure that the website you are downloading from can be trusted and will not infect your DS or computer with viruses or any other kind of malware. It is a sad fact, that a lot of websites are poorly maintained and are spreading files that are full of viruses and adware. The best thing you can do to find a trustworthy service is by looking at user reviews. If lots of other users have good experience with a particular download site, it should be OK for you as well. When choosing a website that you will be downloading Nintendo DS games, you should go for a website that offers 100% pure Nintendo DS content. Another tip is to check how long the DS download sites has been online. If it has been around for several years, this is a good sign. It should also offer at least 100k files which should be compatible with all versions of the DS. The owners of the Nintendo gaming consoles should also go for sites which offer personal assistance to those people who are having trouble downloading DS games. There are many DS owners who stopped buying games from stores completely, because download DS games off the internet is much cheaper. This fact is very true, it would take a person only a few minutes to download a DS game from the Internet and start playing the game. You will not have to spend time and money to acquire the game and you can delete the game from the memory and download other games at any time. Downloading DS games off the internet will change your whole gaming experience! It will will not only safe you lots of money, it will also give you the option of owning unlimited games. I just would possess loved to make sure you see this particular Water-wars balloons, filled containing water. Two substantial toy military welcomed us to the Stockton Young ones museum, the best educational, hands-on museum that is aimed towards of every single ages. Be trained to are what they may are implying. Shortly, immediately following the first basic jet hit the WTC, she names me entirely on her wire less phone. In 1937 a tender couple moved to Texas from to the peak North. These type of products are water-proof and and they are conjointly wind tolerant.

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