#theres more info linked like Right there so this is almost nothing
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Okay I'm gonna say it:
I think family channels [channels in this case includes [but isn't limited to]: YouTube, Tiktok, twitch, instagram, etc] where the kids are under age should be illegal. [Or at the very least a lot more laws about it]
Like it's so dangerous. If it's an occasional "Haha, look at this cute video of us/cute pic" [personally even that is :// to me, but I know in those cases its normally just sharing] that's one thing, but accounts dedicated to your children ??
Like how do you not realize posting all your kids interests, when they were born, y'alls location, if they're homeschooled/go to public school, the park y'all go to, their full name, when/where y'all go on vacations, etc etc IS SO FUCKING UNSAFE ???? Like internet 101.
& maybe you're reading this & you're like "I don't share my exact location 🙄/the family channel I follow has never said their location" but w/ the right skills [or knowing the right people] you can easily find where somewhere is ? Like there's this dude [& no hate to him he seems cool**] who's literally known for seeing a sign or grass & getting almost near exact to where that place is w/o more info [& I assume he spent ages learning all that stuff, but my point is, it's possible] ? Also, on a darker note, a guy literally found someone he was stalking through the **reflection** on her glasses.
Plus that's not even to mention how the kid will feel when they're grown up.
Now this post may be fake [I'm not saying it is or isn't**], but I feel it greatly illustrates the very probable reality of being raised in this environment:
In the comments OP says her parents only stopped when one of her siblings tried to commit suicide, as well as saying she would give up all her money to feel safe, because she's constantly paranoid & feels like she's being watched. OP also said: "I truly believe no changes will be made until a child is killed as a result of their parents over sharing online. It shouldn’t have to get to that point" which... I agree. I think people online can yell as much as possible, but until a kid is actually kidnapped &/or killed due to this, I don't think platform's, let alone governments, will care.
Here's the link to the reddit post btw:
I know being poor isn't fun [I am poor & grew up poor] but money isn't worth exploiting your child/kids, putting them in danger, & inflicting this sort of trauma on them.
Plus I've seen SO. MANY. Kid accounts that are like "[baby's name] @[mom] / @[dad]" & you click on one/both of the parents profiles &... The parents accounts are private... Like clearly you understand wanting privacy, but you can't extend that to a child who doesn't know what their foot is let alone the implications of having thousands->millions of followers ???
Sorry if this makes zero sense, it's 3AM, but I hate family accounts so much. It's easy to put up a front & I'm sure some of those kids genuinely love it & in 20 years time they're like "No it was great I loved that !!!! Theres nothing I want down tbh. & I'm psyched I basically got my own platform right away & didn't have to grind for it" But I feel like those kids will be in the minority, while MOST will be like the post above, or at the VERY least, they'll wish a lot wasn't filmed & posted for millions to see.... :/
ALSO TO BE CLEAR !!! THIS IS ABOUT FAMILY CHANNELS. Teens having their on socials is chill imo [but be safe ofc**] & occasionally sharing a family pic is fine. But centering an account around your family/kids is what my issues is***
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new pinned post bc i keep forgetting to make proper use of this feature
- im pandora or honestly whatever kin name you like, if u recognize a character on my list feel free 2 go for it
- i DO take kinning too seriously and i AM weird about it but ive been told its endearing and id like to think im not a freak, u dont need to read my list or anything unless u care
- i follow back as long as you have a decent tagging system and tend to unfollow when mutuals are broken so my dash isnt too full
- if ur under 16 and try 2 follow me im blocking u
- block #pandora.txt if you dont wanna see personal posts and #neg if you dont wanna see vents
- i do my best to tag consistently but dont always manage, please message me if i miss something!
- tws tend to be tagged as [trigger] ment or [trigger] cw
- if we r mutuals come join my server!
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haechan: the cocky | vol 2
━ welcome home to the housemating smut series :)
☆ click the link above to read background info about this housemate!
☆ GENRE: smut, pwp ☆ DETAILS: fem!reader, college!au, housemate!au ☆ WARNINGS: explicit language, dirty talking, nicknames, dom!hyuck, penetration, oral (giving & receiving), slight degradation?, mentions of exhibitionist kink? ☆ WC: 3.6k ☆ SYNOPSIS: after receiving haechan’s text messages, you hurry up to his room and the sexual tension is thicker than you can ever imagine.
☆ AUTHORS NOTE: read vol 1 here if u havent already :) theres no plot yall its just smut,, this one a filthy one ha ha skjdhfgieas
When you enter Haechan’s room, his back faces you as he sits comfortably in his expensive gaming chair, clicking furiously at his mouse and practically abusing the poor device. “Why are you so worked up?” Your voice causes him to perk up, removing an ear from his headset.
“Mark fucking sucks at this game.” Haechan rolls his eyes as he speaks directly into his mic and Mark’s tiny muffled voice shouts back at him.
Leaning into Haechan’s face, his eyes leave his monitor momentarily to intently watch your actions. Your fingers grab hold of the built in mic and speaking lowly, you greet the other boy through the receiver. “Hi Mark.”
Haechan raises an eyebrow at your seductive tone and the happy smirk on your face when you hear Mark stammer back a faint, “h-hello, y/n.”
“Mark, I gotta go.” Before even letting Mark protest and throw a fit, he’s hanging up the call and forfeiting his winning streak to finally finish what you two had started. You’re laying on Haechan’s bed with eyes that eat him right up, a look of lust and desire.
His gaze bounces between the open door and the way your thin shirt does absolutely nothing to hide how erect your nipples have become. His signature face of disbelief: tongue in cheek and rolling his eyes, paired with a small scoff.
“What? Are you cold or something?” He snickers, getting up to close the door.
“No... I’m just..” Propping up on your elbows, you glance briefly down at your shirt and then, away at the ground shamelessly.
“Aroused? Turned on?” Haechan taunts as he leans down to hover above you, his fingers toying with the ends of the thin fabric. As much as you’re trying to avoid eye contact, he doesn’t allow for you to shy away for long.
“Maybe.” You gulp the pooling spit in the back of your throat, the tension rising in the room. “I came upstairs like you told me too.” Pouting, he finally has you fixated on him with a thumb on your chin.
Making eye contact with him is not only incredibly intimate, but there is something mesmerizing and comforting in the way Haechan looks at you. “Right, my good girl did what she was told. How much longer can she keep that up?” His whisper is hot against your skin, but he doesn’t lean in any more.
“Don’t test me, Hyuck.” You snap back gently, crossing your arms across your chest and almost immediately, Haechan pushes you lightly onto the bed. You yelp at the boldness, knowing that your bratty side might have edged him on.
“Hyuck....? Baby, we haven’t even started yet.” He smirks, and you wish for nothing more than to wipe it off his face. He has the absolute confidence to play with you all night if he wanted to. Cocky motherfucker.
“Do something, please.” The whine in your voice catches his attention, only fueling his ego more than it has already inflated.
“What does my pretty baby want me to do?” Haechan has the full audacity to sit back in his chair, legs spread wide and arms resting behind his head. He’s left you on the bed practically untouched, yet the moment you sit up, a small pool of wetness rushes in your panties.
He’s done nothing, but your body reacts to him too strongly for you to admit. “I want you to give me a kiss.” You mumble.
However, Haechan leaves no room for a pause. “Speak up.” His voice is low and dark as he watches you squirm in your shorts, your legs rubbing together for some friction. He just loves how needy he can get you to be.
“Give me a kiss.” A little louder this time, all the while being mindful at how thin the walls are. Haechan patiently waits for you to finish your beg, “please.”
He pats his lap for you to come sit, then opens his arms to invite you into his embrace. Your legs fall on either side of his thighs and his hands rests on your waist. Haechan peers up at the pout that hasn’t left your face and gently smiles. “What’s wrong, sweetheart?”
There’s a sense of rivalry when he uses that nickname, holding less of a soft implication than when he calls you baby. “You’re taking forever.” You groan, rocking against him with a frustrated whine.
However, he holds you steady by your hips and chuckles mockingly, “it wouldn’t be fun if I just gave it to you. I’m giving you more of an experience to remember the next time you want to rub one out.”
“Trust me, I’ll be fast forwarding these parts in my brain.” Rolling your eyes, your hands find themselves lightly on his chest. He feels rather solid through his black shirt, “you’ve been bulking up?”
“Yeah. Can you tell? Johnny has been waking my ass up early in the morning to go to the gym with him because Jaehyun has class.” Haechan presses you up against his torso and you’re impressed at how sturdy he feels.
“So that’s why we have two jugs of protein powder taking up counter space. Doyoung and I were concerned at how much the other two were consuming, but I guess the portion includes you now.” Your hands wrap around his neck to pull him unbelievably closer, the tips of your noses touching now.
Haechan stares at you with hooded eyes and breath mixing with your own. “What does it taste like?” Your question seems to hold a sexual innuendo, or it could be the tension in the air as you both try your hardest from devouring each other’s lips right then and there.
“Mmh, tastes like shit. Rather taste something else instead.” Haechan licks his lips and tilts his head only slightly. His mind is clouded with lustful, heavy thoughts of feeling your plushy lips against his own. And the possible taste of your tongue lapping with his brings him much excitement as well.
“Should I try some?” The power has slightly shifted into your hands as Haechan seems to be in a trance from your proximity and sensual drop in tone. But you’re both wrapped up in each other’s scent of shampoo and it’s enough to drive you both hungry for one another.
“Want your lips around something else.” His thumb pulls your bottom lip down just gently before slipping it into your open mouth. Your tongue circles his finger, slowly sucking to mimic the feeling of his cock. It sends tingles down to your lower abdomen and a small moan erupts from the back of Haechan’s throat.
Something pokes at your inner thigh and without needing to look down, you already know how turned on Haechan has gotten. He won’t be able to wait it out anymore. “So pretty.” Haechan coos as he drops his finger from your lips. “Do you still want your kiss, baby?”
“Of course.” You lean in thinking that Haechan is going to finally give you a good smooch on the lips, but he picks you up and tosses you onto the bed. He’s discarding your shorts and underwear, peeling it off your legs and tossing it somewhere in a corner.
He spreads your legs wide open, “holy fuck, you’re dripping.” And you’re so close to telling him to stop exaggerating until he gathers slick from your hole and it unleashes a small waterfall cascading onto the bed sheets. “Since when were you this easily aroused?”
Before you can retaliate, Haechan softly kisses your clit and slowly licks a long strip up your cunt. You arch into him, his lips pressing against you just a bit harder than the first time. Eyes are locked in on yours as he flicks delicate licks at your bundle of nerves. “Good girls get the best kinds of kisses.”
He will never be able to get enough of your taste or your legs squirming at the jolts of pleasure that run down them. The fact that stands is that Haechan inexplicably loves pleasuring women and performing cunnilingus, that’s undeniable. But there’s something very special about the way your body reacts to his smallest gestures and sensual words, so responsive and almost like, your body knows how much it wants him.
And if you two hadn’t been so cordial and polite about living with each other in the beginning and considerate of your other housemates, he would’ve fucked you a long time ago. It always felt as if Haechan was walking on thorns around you, making sure he didn’t cross the lines of making you feel uncomfortable.
Nonetheless, your pajama shorts do a terrible job at covering you up or the small moments when your shirt would ride up your stomach, he always found his stares to linger. And not to mention, all the moments he has walked by to catch a glimpse of you masturbating. Truthfully, he’d been masturbating to the thought of you too and only to find out that you shared the same interest in him.
You suppress your moans with your hand, afraid to risk the chance of getting caught by your other housemates. Nevertheless, your muffled moans encourage him to lick harder, building a quick rhythm. “Hyuck, please fuck me.”
It’s agonizing the more he edges you closer to your release. Haechan is addicted to lapping your endless flow of juices that he almost chooses to ignore your breathless plea. He lets go and the knot of pleasure in your stomach dissipates for the time being, your chest rising and falling rapidly to catch your breath.
“I thought you lost your ability to speak for a second.” Haechan doesn’t mean it as a joking statement, it’s meant to instill slight humiliation in you and with a bit of a teasing tone in his darkness.
You don’t take his words to heart, “I can speak and I know what I want.” Your voice is brighter than before, until Haechan’s grin turns mischievous and he’s plotting his next few words carefully.
“Use your smart words and tell me what you want then.” Taking off his clothes, his shaft slaps against his stomach with an angry red tip leaking precum.
The sight of his dick has you clenching around nothing and it’s obvious where your focus has shifted to. You mindlessly take off your shirt, “for a computer science major, you sure like words a lot.”
“For someone who’s ruining my sheets, you sure like to verbally under compensate how much you want me.” Haechan rubs his tip at your entrance to gather lubrication, a small whine escapes his lips as he’s trying his best to hold back from ramming into your wet cunt.
“Hyuck, please. I want you to fuck me speechless.” A sparkle catches in his eye as he’s gleaming at how the dirty words spill from your pretty mouth. Pulling you up, he holds your head steady and lightly taps your lips with his tip.
“Speechless? I guess you won’t be able to whine with my dick in your mouth.” And slowly, you invite his hot shaft into your warmth and the saltiness hits your palette. A long string of profanities fill the air when you lick the underside of his tip and hollow your cheeks to suck more of him.
“Do you think you can take the whole thing?” He moans and it shocks you how raspy his voice suddenly got. His hand is rests on the back of your head lightly, patting and smoothing your hair lovingly. If it isn’t for that lost lustful look in his eyes that represent an innocent curiosity, you wouldn’t have awarded his request.
Opening your throat, he slowly guides you further down his length. Haechan’s reactions are ungodly satisfying as he throws his head back toward the ceiling and instantly tightens his grip in your hair.
“Fuck, fuck. Okay, I’m done messing around.” He manages to chuckle playfully, pulling you off his dick as a string of saliva draws from the disconnect. Pulling you by your hair, he tilts your head upward at him and he leans down to kiss you: open mouth, tongues lapping, spit mixing.
The kiss ignites a flame in your chest being that it’s probably one of the hottest kisses you’ve ever experienced. Haechan’s dominance is caring, yet strong enough to remind you just how rough he has the ability to be.
“Lay on your side.” You do as you’re told as Haechan unravels a condom to slip on. A feeling of excitement bubbles up in your core, you’re finally getting fucked. It’s not the first time you and Haechan have done penetration, but it’s definitely not enough times to satisfy your lust for him.
With your body facing the door, Haechan lays down behind you, a hand on your hip to press your ass against his shaft. “How cute. We’re spooning.” He taunts menacingly and reaching around to rub your swollen clit.
You yelp and Haechan covers your mouth instantly. You’re a moaning mess in his hands as his fingers work magic stimulation down below. Every squirm has you bumping your ass up into his hard on.
Just as his tip enters your wet hole, a knock on the door has you both halting your movements. Your heart is racing at the interruption and it’s not going to look too good with Haechan’s dick barely up your cunt and hand hovering over your clit. There will be no lie that can get you two out of this naked situation.
“Haechan, can I borrow your speaker?” It’s the voice of Jaemin. Of all the times that he actually comes home, you’re midway having sex with Haechan.
It doesn’t seem to bother Haechan though, maybe a bit agitated that someone interrupted the tension, but overall he doesn’t seem phased. Then, you remember all the times you’ve knocked on the other boys’ doors during their hookups and it’s gotten to the point that no one really cares. “For what!?”
“To use in the shower.” A jiggle on the doorknob panics you, but Haechan is lifting your leg in the air and enters you fully without a warning. You bite back a moan as Haechan buries his face into your neck. The initial stretch from his girth stings with pleasure and you relax into him when you adjust to his size. “Why is your door locked?”
“Fuck, is this making you more wet?” Haechan whispers lowly into your ear and a smile grows against your skin.
“Shut up.” You mumble, clenching around him every time Jaemin tries to open the door. He starts moving his hips into you, long thrust that jolt your body every time he enters.
Haechan laughs, “it’s in the bathroom already, leave me alone! I’m with someone.” He’s looking down at your eyes rolling to the back of your head and the tight grip you have on the sheets. You feel all of him, his cock fills you up to the brim, grazing upon your sweet spot.
Jaemin scoffs on the other side, “okay. Use protection, kids.” And his shadow disappears from under the door. Haechan removes his hand and his hot moans fill your ears.
“No wonder why you leave the door fucking open. You want us to see you, don’t you?” His hips ram harder into your pussy, rougher and faster than before. The soreness begins to occupy your lower regions from how much Haechan stretches you. His dirty words aid you closer to your release. “Imagine if I didn’t lock the door and Jaemin saw me balls deep in you. You’d like that, huh? What a slut.”
Your legs feel like jelly as a familiar exhilaration surges through your limbs. “Speechless now, aren’t you?” Haechan smirks and drops your leg. Hands hold you by your waist as he bottoms out, his balls slapping your thigh slightly. Once he’s nestled in deep, he starts rubbing circles on your clit once again and you’re squeezing around him so well that he doesn’t need to move.
The added sensation brings you to your edge, along with the feeling of fullness. Without a fail, he always makes sure he takes care of you first. “I’m gon-- cum.” Words are jumbled in your scattered, empty brain. The release is on the tip of your tongue, the tips of your toes, Haechan’s rhythm on your bud doesn’t falter.
“Cum on my dick, baby. I want to feel you lose control.” His final encouragement leads you to your demise as your pussy clenches around him sporadically and your legs shaking from the pleasure. But it doesn’t stop, Haechan starts fucking you through your orgasm, so fast that it almost has you crying out of the intensity. His nails dig into your skin.
“Oh-- shit! Hyuck, I--” Haechan slams your hips down to match his and you’re holding onto the sheets for your life. The toe curling pleasure overwhelms you and you can’t tell, but you’re cumming again. It just never seems to stop.
With a last grunt and full thrust, you feel his dick pumping inside your walls. He kisses your shoulder tenderly and smooths over the moon crescents he left, “shit. I’m sorry for calling you out like that.”
“It’s fine. It was hot.” He pulls out and an emptiness disappoints you. Turning around to face him, you latch on and give him the biggest hug. “But I really just am forgetful! I don’t leave it open on purpose....”
“Baby, you say that, but do you also forget that you live with five other horny men?” He kisses your temples and sits you both up.
“That’s why I do it when you guys aren’t home.” Getting up, you start putting on Haechan’s shirt and slipping on your panties. “Do you think Jaem is done showering?”
“Probably, that guy uses 2 in 1 shampoo and body wash so he just lathers and rinses.” Haechan ties the condom and tosses it into the trash can. He slips on a pair of fresh briefs and starts removing his soiled bed sheets. “Come back and help me make my bed when you’re done.”
Nodding, you slyly walk out of Haechan’s room. You turn the knob as quietly as you can and shut the door softly. When you spin around, Jaemin walks down the hall with a towel around his naked shoulders and his black hair wet from his shower. His toned body is glistening with droplets as his sweatpants hang low on his hips and the waistband of his underwear peek out.
You’re so distracted by his appearance that you don’t realize he’s caught you leaving Haechan’s room. “Is that Haechan’s shirt?” He quizzes you, a smirk twitching his lips automatically at your doe eyed expression. “And are you not wearing pants, y/n?”
“I see you’re done with your shower.” You say quickly and you dash away to the bathroom. The moment you shut the door, you’re surprised by a random girl on the toilet.
“Sorry!” You both yell, covering your eyes at the sudden intrusion on both ends.
“I didn’t realize there wasn’t a lock on the door.” She says and you turn to face the door to give her some privacy.
“Yeah, it’s been broken for awhile now. We usually just put a sticky note on the door to show that it’s preoccupied.” You don’t even question who she is, denoting that it’s either Jaehyun or Johnny’s lady friend. “I’ll just wait outside.”
“Wait, do you live with Johnny?” She asks and truthfully, you’re not ready to go back outside in any chance that you’ll bump into Jaemin again. The bathroom is where you intended to hide until enough time is passed, while also doing your business.
“Yeah. We’re housemates.”
“Ah, that’s comforting to know that there’s another girl here. I thought it was just a house of guys, so I was a bit worried coming over.” Her voice sounds reassured and you’re exhaling out all the anxious air you had pent up since seeing Jaemin.
“That’s good. Men, am I right?” You try laughing to lighten the mood and surprisingly through the steamy suffocation, she giggles back.
“Yeah, I mean, I’ve never seen so many bottles of AXE body spray in one bathroom.” Living in a house full of men, you realize you slightly miss the bathroom talks with your girl friends.
“Look in the tub, there are four bottles of men body wash, yet they always use mine! It’s a hoax.” You announce excitedly, despite still facing the door.
“I have the same one! I fucking knew Johnny smelled like white strawberries and mint, but I couldn’t tell if the scent was from me or him.”
Maybe sometimes, it isn’t so bad living with a group of attractive men. You get to laugh with their hookups in the bathroom! And before you know it, Johnny is knocking on the bathroom door to the fit of giggles and questioning why there are two voices.
“I thought you had left without saying goodbye.” He says.
“Damn, the sex was that bad.” You joke and Johnny fakes a laugh through the door.
“Let me know if Haechan is any better, y/n.” You gasp at his statement, but don’t respond. The flushing of the toilet and the sink running being the only noises in the room. You’re stunned. Knowing Jaemin’s big mouth, he can’t keep a secret to save his life.
“It’s nice meeting you, y/n.” Johnny’s hookup gives you a warming hug before leaving and when she opens the door to join him, you give Johnny the middle finger as your form of response.
“Nice meeting you too!” You yell back to her and shut the door to finally do your business.
Great, now everyone knows you fucked your housemate.
#neosmutcollective#nct-writers#neowritingsnet#neothestars#kpopscape#nct smut#nct scenarios#haechan#haechan smut#lee haechan#nct
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I appreciate your explanation post of everything going on. But to be honest, I’m not one to accept anything without proof. I understand why you aren’t posting links to everything, doxxing is not ok. I have seen a few of the twitter posts with the photos and info and still am skeptical of everything… am I the only one? again your explanation post helps so I can fully understand what people are talking about, but I’m not taking anything as fact right now
yeah, i think thats totally reasonable atm. only things im stating definitively is that the current story presented is almost definitely a lie, and dream most likely did have some connection to the man in the court records. though none of the evidence linking ollie and the man is infallable, theres enough of it and the story adds up enough to make me... inclined to believe, right now?
but im rlly not sure, & still waiting for more statements or any counter-evidence. idk, its a tricky situation and i dont think its sure enough to speak in definitives right now. nothing wrong w still seeing how things pan out more to form an opinion
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Does Posture Correction Matte
Improve Posture and exercises and some reasons not to care or bother An audio version of this article is freely there for visually impaired targeted customers. Please email requests for audio to [email protected] and I'm going to send a download link within a day, but usually much faster. There are audio versions of seven other popular articles on coursesmart. audio version available info SUMMARY Posture matters a little, but not much of a lot. Most poor posture is just bad ergonomics and postural stressa different problem. Postures which do harm and have easy fixes are rare; many postures are the resulting long-term adaptations and nearly impossible to alter. Although many people do seems to be vulnerable to postural stress, but they possess a problem with vulnerability, not posture. Simply by main issue is unexplained or stubborn aches and pains, working on posture is not the right way to spend your time: just read more exercise generally, especially tasks that require coordination, and anything you enjoy (inspiration, not discipline). Advanced methods taught by posture gurus are mostly highly experimental and over-priced. full article 13000 words Health-conscious people are haunted by the notion that they should correct their posture, as well as several fight a chronic, uncertain, and tedious battle against self-imposed or careless crookedness, primarily as self-defense against common problems like neck pain, headaches, and especially low back ailment. But is it a wild goose chase? Can any aches and pains be traced to poor posture from the start? Even if they can, is it really possible to improve posture? The characteristic ways that we sit and stand and walk are one of the strongest of all habits, with deep roots in personality and so changing your posture may be as difficult as stopping smoking or potato betting chips. It had better be worth your time! After working as being a massage therapist for some years, I became confident that poor posture is a genuine thing1 an actual source of partially preventable physical stress and therefore an issue in chronic pain, mostly later in life. But its not a straightforward business, this posture stuff! There arent many easy wins for people in this. And theres plenty of potential down the sink time and money or even get hurt.2 Delving deeper into subject of as a journalist, studying the scientific literature and learning more from countless readers and experts, I have developed many reasonable doubts about postures importance. In particular, I believe that many health professionals pathologize posture, exaggerating its importance to justify costly therapy all with good intentions, keep in mind. This doorstopper a good article thoroughly explores strategies for postural improvement that might be helpful, but Additionally explain why the idea of poor posture is mostly much ado about nothing a situation in theory, but a minor one out of practice. If merely issue is unexplained or stubborn aches and pains, you can likely better ways to spend your time than reading this, since getting a nice massage, or being more physically active which trumps almost all considerations of posture! Hows that for a tempting introduction? Er, read on?
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I'm a bit overwhelmed by kemetic holidays as there seem to be a lot of them and no specific date for some of them. Have any advice for a newbie? Is there any specific holidays that you would consider a must to celebrate? My main focus of worship are Sekhmet, Anubis Thoth and Ra if that is any help.
Hey!!
So it can be overwhelming, and I think that the best bet for a newbie is to pick festivals which are highly attested [theres lots of info for] and modern kemetics celebrate [so there is easy access for info and ideas for the modern practitioner].
The one I would recommend/ the ‘big one’, is Wep Ronpet. In your first year, if you only celebrate Wep Ronpet you’re doing really well! It’s a big festival that celebrates the Kemetic New Year and the Birth of Ra. It’s pretty complicated, but I’ll try to give you a quick run down.
☀️On the day of Wep Ronpet, you’re going to want to offer to your gods and take any statues of them into the sunlight if you are able. This is called the Unification with the Sundisk, and was a massive ritual during the Ptolemaic Period. Statues of the gods were brought into the sunlight to recharge them, heal them and generally renew the gods and Egypt.
☀️ It’s also the perfect days for execrations [destroying bad things/Isfet and hurting the sn/a/ke]. This is the day of destroying things you don’t want accompanying you in the year ahead. This can be as simple as writing it down on a bit of paper and burning it! Or if you have a bit more time to prepare, I’d recommend the ritual of Destroying the Red Pot.
You’ll have to work out your individual Wep Ronpet date. It is linked to the Heliacal rising of Sirius - which means the day in which the star Sirius is first seen above the Horizon. Sirius is the Greek name for the Egyptian star Sopdet, who was a goddess connected with the New Year and eventually Isis. The date is also changeable depending on how far north or south you are.
So you find your latitude, and then you can find out your Heliacal Rising of Sirius date from an astrological website. Cairo is the start of July, I’m personally around London and so the end of August and I know Australia is around Feb. It depends and it doesn’t matter too much if your date is wildly different from the next person.
Note - that various temples may stipulate certain dates for Wep Ronpet to be celebrated on.
☀️☀️☀️
And part of the reason why working out your Wep Ronpet date is that it is the basis for any festival calendar that you create. If you find an ancient calendar where all of the potential festival dates are listed. And in this calendar the Wep Ronpet date is in July, but you celebrate it in, day September, you know to move ever date on by the same number of days. Your Wep Ronpet date is a fixed marker. I hope this makes sense, and please feel free to message me if you’d like some advice on constructing a calendar.
☀️☀️☀️
If you would like to add more festivals, I would recommend going for two or three that are well attested and important to you and your gods. [For example, I know that the Voyage of Hathor to the temple of the Seven Hathors was an extremely important part of the year - but nothing is recorded from that festival. So it is only now, years and years down the line that I am even starting to attempt to recreate that.]
Start easy, because festivals take it out of you. Find ones that are strongly connected to mythology, like the Return of the Distant Goddess for Sekhmet. It is well attested, has a well recorded mythology to back up the festival and plenty of modern kemetics take part in the festival at various times. This means there are already lots of ideas out there that you can use.
And, honestly, since you say you are a newbie. Feel free to ‘make up your own’, like the modern kemetic community has Ball’s Day for Set on Valentines Day. It’s a part of converting, finding the gods in what you do already.
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Please feel free to ask more questions, as I realise that I haven’t said anywhere close to all the things I’d like to say about festivals. I realise that it’s a huge topic. And just focus on what is achievable this year, one or two festivals. Do your research, get the materials needed.
I think a properly researched festival can take almost a year to research right. By once you’ve done it right, you won’t need to do it again. Make a note of everything you find out, and don’t be too afraid of writing your own hymns and prayers if you feel inspired. And there are quite a few books floating around that can give you more information! I hope this was helpful and all made sense, this was an absolute crash course :S
#kemetic#kemetic ask#I don’t think I answered this very well at all#there is so much missing#but I don’t want to overwhelm you even more!!#start with Wep Ronpet and see how you get on :)
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Episode 4 - "Now the fun part begins" ~Colin
All I gotta say....finesse
Look at us go✨ I say us because if I say me that sounds conceited even tho it was literally a hero challenge 😂. [HI THIS WAS BURIED IN MY TABS IT'S FROM ROUND 3 I WAS PROBS GONNA WRITE MORE BUT OH WELL]
We tribe swapped and I was really stressed at first because now im on the tribe that loses all of the challenges. But its fine bcs im friends with everyone now and im in an alliance with Ginny and Amy. I also love Danny he is literally under the influence rn im exposing him. But hopefully when hws sober he remembers how cool i am and we will work together. And Jennifer is on my tribe and we're friendly with each other. But honestly it would be in my best game interests to have her the one voted out. If it comes to that. Bcs Im literally working with everyone and shes pretty inactive.
Welp. Here we are. Swapped. It's a lil fucked up but I saw it coming. So I got stuck with Brayden which is like whatever to me, I'm glad him and I talked enough on original phantoms. But the issue is that it's just him and myself. Along with that its the two S.E.E.S. and one Fool. So I immediately swooped in on Jared, I tried to be relatable with him by talking about Danny and Shaad, who I know, and I think gthat brought him comfort. I spilled to Jared that Danny and Shaad know each other to show him that I have info and I'm willing to be open about stuff and talk with him straight up. We got to talking, and we declared that we want to work together WHICH IS GREAT!! Idk how much I can trust him, but if I show him loyalty and openness I think I'd get it back from him which is clutch. I need him to be the third with Brayden and myself, but I'm sure Jay and Elle are thinking the exact same thing. That's why I swooped in so fast, and I'm sure he'll tell them what they want to hear and theres a chance hes doing that to me as well (and I don't blame him, make your own decisions Jared king), but I need to show him that sticking with me is the better option. Idk idk I'm just trying to avoid playing my idol rn. I'll keep working on Jared, and I'll see what Brayden's been up to. ALSOOO APPARENTLY so Brayden tells me that him and Elle played together (which I knew), but he voted them out so idk how their dynamic is. Lots to think about, I guess now I actually do want to win immunity because I don't feel as secure as I did on original phantoms. But I def have Brayden on my side, and I'm really hoping Jared is truly gonna ride with me. Idols/advantages are also a potential problem here because what if Elle or Jay have one. I hope Brayden is just lying to me and he secretly has something too. I almost told him about mine but I decided against it. Much to think about, much to do, much to win.
I got an idolllll✨ lol so glad i signed up because no one else from my tribe did so it was super easy 😄 Tribe swap!! Sad bc i'll miss Colin 😔 real homie right there um i mean sure others too maybe lol I switched with Jay so no worries there and Anastasia I'm sorry to say we've never really clicked like we've worked together before (and she's backstabbed me before) but we've never really been like *this* y'know??? And Babs and Jennifer I barely talked to Babs likes musical theater and vine references tho so she's cool B) Anywayssss Dennis knows the pain of being a Starbucks barista and I was with Jared in the shape memory and felt bad for them oof so yeah OH! and Brayden helped vote me out in Kyoshi after saying he wouldn't vote for me... Dont Love That but also it was kinda a hopeless situation in Kyoshi kinda tragicccc for me funnily enough I was tribe swap screwed over but that's not like this time (if it is I will SCREAM but also I'm chill with whatever place I get in this game so eh) yeah i kinda made myself stop drinking caffeine/copious amounts of sugar for a year and then started back at Starbucks and immediately broke soooo I have no idea how coherent this is I think we'll do well in the challenge!! It's scavenger hunt but also I am working this weekend :( hate that for me ik me too boo so we'll see how much I can do I remember being upset at myself in prev. seasons because I went too hard in challenges and I feel like in this one I just don't have the time to 😂 the way to get priorities is to get a life apparently lol kidding but also am I??? Idk kinda forgot what I was talking about. Yay in the Phantom tribe now and we will crush this challenge✨
This tribe is getting on my nerves. 2 of them are super nice and I'd love to work with them but I don't know how the pre-alliances worked before this tribe. I really enjoy Amy and Anastasia but trying to talk to Ginnifer is like pulling teeth and Jennifer still hasn't said....anything.
https://youtu.be/maj4CRLrsjQ sorry this is really long i didnt mean to
My tribe is going to council.
At first, I thought I was SCREWED because I got neither Amy, Dennis, or Brayden from my OG tribe for the swap. I barely spoke to Josh, but at least he tries in challenges and we have that going for us. I absolutely adore Colin, he's experienced and he doesn't hide it, but here's a good support system and I see why he goes far in these games. By virtue of me being active, I can hopefully stay alive from this swap. As for the challenge, it's incredibly difficult to do since only the 3 of us are actively doing it, and with 3 slots, it means everyone has to do everything, which is virtually impossible. Shaad complained about his old tribe but a lot of his tribemates' confessionals about him were about him being inactive, and I'm definitely seeing it. Babs hasn't even accepted my message request yet. I absolutely trust Colin and I'm debatable with Josh, but I sure hope that he's not working with Shaad and Babs. But I'm 99% sure that's not the case because even Colin hasn't talked to Babs much and they haven't even been accepting message requests. I absolutely think we're headed to tribal, but honestly, that might be fine because it'll save my other allies in the other tribes. I just hate going to tribal council because it's never fun and it makes me nervous. Every time. But hopefully my social relationships I've made will get me through this swap even if I have to (at last, I guess) go to tribal council.
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https://youtu.be/FJOPBi8cnBk
The swap is fun so far doing a fun and hilarious scavenger hunt but yuck my face is sticky blech
Okay I think I figured out a lot. I think all the idols are on my tribe. The way Jared and Jay talk to me shows me that theyre smart players and I realllllly think they both have idols. And the three of us are just dancing around that subject. So if we go to tribal, I have to move very cautiously and thats why im trying to get another advantage. I think Jay is going for it too, homeboy messages me in 10 minute intervals. I think I can only afford going to tribal once with this tribe, I'm just hoping we win out especially if all the idols are chilling here I don't want to play it yet. Ima just keep hunting i dont have a lot of thoughts rn.
I'm not sure where I'm at. I feel decent about elle, she has familiarity with me, it should be convenient for her and I to stay together. I do like Jared too...the hope is that he links up with us and we can take out Brayden. Nothing personal against Brayden, but I like Dennis more, and I feel like I can work with Dennis in a merge scenario. If we can get Brayden out whenever we go to tribal, I'll also be put in a scenario at that point where I can either go with Jared and Elle, or maybe Jared and Dennis. Dennis seems very low key and more social than strategic, so he's a good person to play with for a decent amount of time.
Uh idr my last confessional or when it was :( we just did the scavenger hunt challenge and are waiting for results and i really hope we don't have to go to tribal bc what a crappy birthday present that'd be!! Bc my birthday is tomorrow :)))))) I hope people remember bc I'm not going to say anything 😶 just to see who remembereddddd probs no one and ill break midday or maybe I'll leave it alone who knows! I'm going on a picnic tomorrow tho and then probs celebrating with fam so it'd be a bad day for a tribal :( OMG what if I got voted out on My Birthday that'd be so r00d but like kinda iconic too very memorable 21st brithday the one where I was voted out Metaverse... anyways uh hope we win this challenge lol 😅
Okay so it's cute and all that we won but Miss Jennifer needs to go ASAP. I low-key wanted to go to tribal just so I could let her GO, but it's whatever. I get a day to chill finally. I don't have to think as hard anymore. I feel good.
~
I think the thing I am very interested in seeing is what's about to happen with Shaad in that tribe.
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But also, I really love Amy. I think she's really gonna be good for me.
okay i've been slacking on confessionals so im gonna pretend this is like 2 days ago and make one solely about the swap AHHH TRIBE SWAP i'm kinda excited that none of my alliance members are on my new tribe. that seems opposite but its gonna give me a better chance to branch out and make new connections, then when merge hits rekindle the old alliance that existed pre swap. hopefully that all pans out!! immediately I started vibing with Jodi. she's an absolute QUEEN and we match each other's energies perfectly. we've been shading others in the tribe, joking around, connecting personally, it's been great!! honestly i knew within like the first 20 mins I wanted to duo with her and be a f2. the rest of the tribe however? sheeeeesh babs and shaad are very inactive. apparently shaad blew up on his last tribe bc they almost voted him out... for being inactive? like sir if the shoe fits. pls fix it. babs is going THRU it and I feel for them. but... just say somethin josh is kind of a king. jodi likes him. he's putting in a lot of effort and I appreciate that. not sure if it makes him a threat but it definitely makes him an asset SO I approached both of them with an alliance!! and it worked!! i now have ANOTHER alliance woo!! with josh and jodi!! woo!! here's part of my host chat rambling bc I confess way more there than I do here i think Jodi and Josh might be like a duo tho the way Jodi talks about is kinda sus imma need to weasel my way in maybe I'll suggest a trio alliance as the most 'active' people on the tribe as a means to get close to them, then I'll use that to secure a f2 with jodi jodi radiates the same type of chaotic energy I do in games but she gets more bored than I do which is not good but more fun
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we LOST but im not SURPRISED i feel like we shouldve won SOLELY bc I got SANDRA DIAZ-TWINE to send me a selfie. that's fucking iconic. one of my proudest org career moments. anyway now the fun part begins. gotta decide who goes. it's either shaad or babs. I think the easiest and most common sense thing to do is vote babs because they've been more inactive. but also its the first live tribal and I think shaad will give drama if we vote him off. and that makes GOOD FUCKING TV. so idk. options options. we'll see!
holy shit phantoms won immunity. phantoms stays the winning tribe 4 times in a row holy shit. i actually wanted to win this time and put a lot of effort into this because no ma'am i need safety rn and work on these relationships. just need time. speaking of time, im about to hit hour 12 of the endurance hunt and im starting to feel like a madman. but babyyyyy i want another advantage and hopefully another fucking idol holy shit can you imagine???? i still haven't told anyone and my lips are gonna remain sealed. however i still think that yall are messy and set up my tribe where u knew brayden and i werent super close and from what ive gathered jay and elle weren't close either. so u put the two pairs that arent close with the one fool. okay so what else could we possibly have in common on this tribe to add more mess? IDOLS!!!!! like the three people that got the idols got swapped onto the same tribe like that has to be it. so jared would have to have one, even though he told me he didnt but the way he talked to me about idols in general literally makes me feel like he has one. i was like it would be so nice to have a little bit of security and hes like yeah i know what you mean. like bro just tell me u got a fuckin idol already. so then jay or elle have to have one. and i am convinced jay has one. maybe elle is gonna gag me with her idol but im gonna assume its jay. jared has spoken with him, and i have spoken with him. the three of us feel really good with each other (but im pretty sure jared has me above him bc i got to him first). we'll probs make an alliance chat shortly. i recognize that jared and jay are good at the strategic part of the game and are really smart and just good overall competitors and ESPECIALLY if they have idols that makes them even more dangerous. so i have to work with them than against them i have to make sure that they know i have them above everyone else. i think three strong players naturally gravitated towards eachother and if we really all do have idols its so funny that we're not telling each other. but im slowly but surely working on getting it out of them but if theyre as smart as i think they are they wont tell me. im just gonna continue being "transparent" with them and we'll see where it goes i hope they dont catch on. also jays a fucking liar because we were on a call today and i asked him if he did any hunts. he gave me a pause and then slurred his speech when he said "i haven't done any" like broooooooo ur fuckin lying to me right through your teeth. im convinced hes doing this one because he was up early for some breakfast and his lil skype thing showed online status allllll day like i gotta assume hes doing it. even if he didnt do the first three like hes def doing the last three dont play dumb with me!!!! i am not the one baby. but actually as im writing this hes not online anymore so if he really was doing it maybe he stopped? so if he was up early i would assume he started at 7 or 8 and ending by 9:30 he did 13 or 14 hours? idk im literally going till i cant stay up anymore ive already hit the 12 hours mark now if i went this long i have to go for the w likeee i have to. thats all i got for ya right now dont ever ask me for anything again.
no joke my brain is melting pls help
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i want a survivor wiki page :(
During challenge: https://youtu.be/IsGPtYtgnQ4 After challenge results: https://youtu.be/CgmLGWBvEhw
https://youtu.be/Yfsh_odV-Zg
The tribe swap really confused me. I was finally getting the hang of this game but now I'm doubting myself again. I also haven't been active much for the past 2 days and I think my tribe mates have noticed. I need to stay on top of things better if I don't want to (eventually) get voted out.
That this tribe swap screwed me over. It left me with Babs whos been completely inactive and Shaad whos been completely useless. At least I gained an alliance with Jodi and Colin but this is fucking pitiful.
https://youtu.be/pE207b8VRFE
can't wait to vote out jared and jay once jury starts
So I had planned on doing hourly milestone activities like calling a friend at 15 hours, eating ice cream at 16 hours etc and I was filming it to vlog the evening for my confessionals.. but my mom called me around 10:55 for a family emergency and when it was done it was 11:01 and my alarm got overridden by the call. That’s how I dropped and I’m really sad 😔 i low key don’t wanna play the game today but I literally have tribal so I have to stay online, even tho I’d still be more active than babs and shaad ☠️ I wanted this one so bad because the only thing I’m good at is not sleeping. Whoever went longer than 15.5 hours is now at the top of my hitlist, if I find out you also tried this hard for an advantage, I will take u out w my army. Even if it’s a superidol. The only good thing from this L is it ignited a huge motivator for me to play this game hard again (but not too hard) but have a goal and mission to complete.
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https://youtu.be/PR8XWvdH-Hc
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update: i think Amy has it. I'll ask her about it at the merge, she won the 24 hour comp in her last org so it's very possible she gunned this advantage out. if she tells me she has it, then i know I'm absolutely her #1, if not, then we'll see what happens .....
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Edgic:
Power Rankings:
Phantom
Jared: He has done well to place himself firmly in the middle of his tribe. The two sides are definitely going by tribal lines at the moment which makes him the most powerful person on the tribe. Everyone wants to work with him. He will definitely be safe if his tribe has to go to tribal council soon.
Jay: This comes as a surprise, but Jay has bonded well with Jared. So much so that Jared listed Jay as the person he trusts the most currently on his tribe. This gives the S.E.E.S. side a bit more longevity on this tribe which is definitely in Jay’s interest. I can see Jared and Jay forming a tight duo.
Dennis: He is definitely in a better spot than he was on his last tribe. No one on this tribe has explicitly said they distrust or want to target Dennis. He’s playing it safe which is good. He lands himself higher than Elle because Jared seems to trust him more. If the decision was between Dennis and Elle, he would be the one safe. Additionally, he’s also sniffed out that the idols are all on this tribe (which is just a coincidence). However, he believes that Jay has it rather than Elle which is an unfortunate guess from him. However, what is excellent game sense is that he wants to form an alliance with Jay and Jared which could definitely benefit him in the long run when he needs to separate himself from his Phantoms.
Elle: It is sad to see Elle near the bottom, but it doesn’t seem like they have won anyone over with their charm on this tribe. Everyone besides Jay sees Elle as someone expendable if this tribe were to go to two consecutive tribal councils. On the plus side, Elle has an idol. If it comes to that, she may be able to keep herself safe.
Brayden: For some reason, no one except Dennis trusts Brayden. In fact, I would not be surprised if Jared, Jay, and Elle came to the consensus that he should be the one to go out of the two Phantoms. Brayden’s unwillingness to work with Dennis rears its ugly head as, even now, Brayden wants to distance himself from Dennis. He seems to believe that he is good with Jay and Jared when both parties have listed him on the bottom of their trust rankings. If Brayden is not careful, he is going to find himself blindsided and voted out premerge in this game.
Fools
Danny: Amy and Anastasia want to keep Danny in spite of their alliance with Ginny. It feels as if both of them want to work closely with him AND want to ditch that alliance. Danny easily has the most control as he has key allies that are willing to go to bat for him if things get messy. I even believe that he would be saved rather than Ginny if this tribe were to go to tribal council consecutively.
Anastasia: Her prior connection with Ginny has instantly landed her in an alliance with Amy despite the fact she doesn’t even know Amy like that. In fact, Anastasia doesn’t even trust Amy that much, but is still willing to work with her and pretend to be allies. Additionally, she has gotten into the good graces of Danny for whom she is trying to work closely with. Anastasia is the most connected with Danny which means she is the safest out of the group. However, Amy sees right through the veneer which means that Anastasia could be labelled as a big threat and be subsequently taken out at the early stages of merge. It was definitely a mistake to inform Amy about their prior connection with Elle.
Amy: What lands Amy here is that Anastasia doesn’t trust her. I was surprised too, but, looking at it, Anastasia would cut Amy over Ginnifer. What puts her above Ginnifer is her activity, however. Hopefully Amy can gain more trust with Danny and Anastasia and be safer in the future. Amy has a good read on Anastasia which keeps her in this position as well. She knows exactly what she needs to do to survive this tribe with the necessary numbers, but can she do it?
Ginnifer: I believe Ginnifer made a misstep by creating an alliance with Anastasia and Amy. At least for Amy, she doesn’t know how to feel considering Ginny never mentioned the alliance and just put them in it. It may have been a bit too presumptuous which leads to hesitation and distrust with the people she wants to ally with. Finally, Danny was also annoyed by Ginny being inactive near the start of the challenge which lowers her overall safety at tribal council
Jennifer: Where is Jennifer San Diego? Her inactivity and unhelpfulness in the challenge makes her the easiest target. There’s not much to say except if she doesn’t pick it up soon and socialize, she will be sitting in the VL.
S.E.E.S.
Jodi: Once again, Jodi has emerged as the tribe leader. Despite being on a plane for the whole day, she has been the most vocal about organizing the challenge. People are very attracted to Jodi’s energy making it easy for her to make allies in any situation she finds herself in. Right now, she has allied with Colin and Josh which easily puts her on the top of this trio alliance. Therefore, she is the safest person on the tribe. She has also been dictating this vote pretty heavily. I fear that Jodi just does not know how to chill though. Her biggest weakness is that she will jump out at anything and try to keep talking when she should just hold back. If she keeps playing the way she is, she will end up as an early jury boot.
Colin: Colin has attached himself to Jodi pretty heavily. I can definitely see this being Colin’s Final 2 rather than any of his allies back on S.E.E.S. The good part about it is that Jodi seems to feel the same way which is great. Additionally, Colin can hide behind Jodi’s massive target at merge.
Josh: Josh does very well in the challenges which keeps him in people’s good graces. His activity definitely helps him survive this tribe as well. He has found himself allied with Jodi out of necessity though. I do not doubt that Colin and Jodi will leave Josh in the dust once merge rolls around and they have their allies back. However, Josh is doing the thing he should be doing at pre-merge: being good at challenges and being active. Anything more would put an unnecessary target on his back at merge.
Babs: Babs is never online and did not even try to help in the challenge. This leaves them low. However, they do still have a Vote Blocker so they can pull some shenanigans if they so choose. Additionally, their inactivity may be used as a shield for now as, at the very least, Jodi is still willing to gtry and get to know Babs.
Shaad: I do not particularly understand why the trio alliance wants to target Shaad. He has a pre-established enemy in Jared and is willing to blow up if he wants to. He could make a great shield in the future, and he would not target these people. However, they believe that Shaad is more useless in the challenges than Babs (despite Babs never being online). And, without any allies on this tribe, there is no one there to vouch for Shaad making his demise seem clear. I hope somehow Shaad can pull himself out, but it does not seem likely.
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The dynamic between Natsuo and Youji has always fascinated me. Since their first appearance, they've obviously moved beyond murderous psychopath twins. I enjoy your commentary on Loveless characters so, do you have insight to offer on the Sagan Brothers?
hey! thanks for the question!
i talked a bit about natsuo and youji when i wrote this post, but ill expand on it a bit here.
let me start by saying that i have a lot of gripes with the way loveless is written, and most of those gripes surround the fact that we’ve dropped every plot line and bit of characterization besides ‘look at this weird thing seimei’s doing!!!!!!! LOOK AT IT!!!!!”
surprisingly, though, natsuo and youji are not part of that.
in all seriousness, natsuo and youji are the two characters in loveless who i think have been written and have remained to be written really, really well. they’ve developed and changed over the course of the series in a way that’s consistent and believable, while their core values have remained pretty much the same. what i’m trying to say here is that even though this is a manga about catboys and even though i’m talking about two genetically modified kids who can’t feel pain, natsuo and youji are written shockingly realistically.
i talked a lot in the post i linked above about attachment theory and how it affected the sagan boys (and maybe the girls, too). the basic rundown is that developmental psychologists (developmental clinical psych is actually my specialty hahah so this may get long) have a theory about why kids sometimes act out inappropriately sometimes towards adults. from an early age, kids are supposed to ‘securely attach’ onto an adult, which basically means that kids are supposed to have a parental figure they can trust, and it’s supposed to be someone they can trust to come back and trust to comfort/soothe them in times of need, whether that’s physical needs (food, water, discomfort) or emotional needs (lonliness, pain [emotional or physical], affection, etc). kids who are not securely attached but still have some sort of attachment usually have minor developmental issues, but kids who are unable to form an attachment at all usually suffer greatly from larger emotional, behavioral, and developmental issues.
i’ve also talked a bit about how i feel nagisa’s relationship with natsuo and youji is very…ignored or passed over. and really, it’s not completely the readership’s fault, because her treatment of them is often played for laughs. but sometimes, it’s not, and it’s in those times that it becomes apparent just how concerning her behavior is towards them, especially since it’s in those times that it’s obvious that the two are looking to her for some sort of real, parental support, and she’s reacting very badly and abusively to it.
this panel is a prime example of this, because at the time youji was expressing concern for nagisa and wanting to help her in a very normal way, and she reacts by hitting him hard while screaming that he’s useless to her. when i bring up this scene, i like to also bring up the fact that until soubi takes them in when they’re twelve (or eleven), the two of them lived with her and just because they can’t feel pain doesn’t mean that she’s allowed to hit or injure them. it doesn’t justify it–in fact, it actually makes things worse, given that any abuser could see this as a justification to do it more.
what’s more is that after this, youji doesn’t even react. he seems to think it’s completely normal, like he’s grown up with this, and it’s that that makes me doubt, as well as her previous treatment of them, that this is a first-time or even recent thing. every interaction we have between nagisa and natsuo and youji is her being extremely cruel, cold, and overall pretty terrible to them. she never actually treats them well and it’s as if she sees them as toys rather than actual children who simply can’t feel pain.
i’ve said previously that natsuo and youji most definitely did not attach onto nagisa correctly, if at all. theres things that are incredibly off about them and her, including the way they seem to think of their relationship with nagisa as having the potential for a romantic relationship or simply just the way they are at the beginning of the series. at their introduction, the two of them are sadistic monsters who seem to want nothing more than to hurt everyone around them and behave completely outside of the norm. in fact, at their introduction, the two of them fit almost every qualification for both reactive attachment disorder and conduct disorder
(these simplify the symptoms a little bit from how i learned them in clinical classes, but it’s a good simplified rundown)
conduct disorder:
reactive attachment disorder:
it’s notable that conduct disorder is typically estimated to turn into antisocial personality disorder (ASPD) in about ~30% of cases and is sometimes seen as a precursor to ASPD. some clinicians that i’ve met actually believe that CD always turns into ASPD. in my opinion, they are wrong because of nature vs nurture AKA i believe that if it’s caught and intervened with in a healthy, correct manner, the effects of CD and RAD (which are usually co-morbid, for the record) can be reversed. some people don’t agree with that, but that’s my professional fight to fight. anyways, i keep saying at the beginning of the series because… to put it simply, Natsuo and Youji have changed and progressed more than any other character in the series, including ritsuka and soubi.
obviously, the general treatment for RAD and CD is usually to find out why a child isn’t attaching/why they haven’t attached and change that. the cause for both of them is typically abuse and neglect, two things we’ve seen in natsuo and youji’s case with nagisa. if a clinician/case worker were to asses the situation, it would’ve been bad enough that they would’ve been taken out of the household. which is what happened, accidentally, when natsuo and youji lost the battle against soubi despite driving a nail through his hand. after that, the next step would be to put the child(ren) with someone else, someone who’s fit to be a parent and preferably, someone who will take care of them and give them what they need, and someone who will allow them to progress at their own rate with attaching. that… again, is what accidentally happened. i’m not saying that agatsuma soubi is a perfect parent or even a really good one, but he happened to be what natsuo and youji needed to start becoming normal kids and not sadistic monsters who nearly raped a woman. soubi essentially lets them do what they want with some guidelines and isn’t overbearing but takes care of them and seems to offer them some sort of parental figure to talk to if they want to. he’s not the best at it and obviously has no idea what he’s doing, but purely by coincidence, he’s doing something right.
right now in the series, natsuo and youji are little goblins who are annoying and irritating and a bit mean to the people around them, but they’re nothing like how they were. the way they are right now is kind of how you’d expect any shitty, stuck-up middle schooler entering puberty to be. maybe they’re a little worse, but they’re absolutely nothing like how they were at some point. they’ve developed relationships with other kids, have succeeded in school, and have somewhat attached onto soubi to the point where they generally seem to do what he says and didn’t want to leave when they were called back to nagisa. in fact, they even state that living with soubi is much more preferable and enjoyable than living with nagisa.
the two of them could still clearly benefit from a lot of therapy but completely by coincidence, soubi was the right thing for them and natsuo and youji have developed to the point where they can be called protagonists who don’t really have any bad intentions anymore.
there’s something else i wanted to touch on that i mentioned above, and that’s the fact that they’ve both made offhanded comments that seem to imply that they view nagisa in a romantic/sexual light. this is something that seems to confuse fans a lot to the point where many just tend to choose to completely ignore it since they don’t want to touch that with a ten foot pole, and i don’t blame them–it’s weird and creepy and so, so out of the norm that people can’t start to comprehend it. after all, most people, to some extent or another seem to realize at least a little even if they look over it, that nagisa did raise these two and is a maternal figure. their remarks about her would make anyone uncomfortable. well, i’m here to make you all more uncomfortable by saying that this is due to abuse and is completely in-character on nagisa’s part.
emotional incest is a term that you don’t tend to hear unless it’s out of a clinical setting or from a community of people who are recovering from/dealing with abuse (justnomil on reddit uses this term rightfully a lot, for example). emotional incest is generally where someone treats their kids as if they’re their romantic/sexual partner emotionally by seeking inappropriate emotional support from their kids when that emotional support should only be sought from an adult involved with them. this is when the parent turns to the child to use them as a confident/emotional support to lean on when the child needs their emotional and physical needs fulfilled. in turn, the children feel emotionally abandoned because their parent is using them for only emotional support as if they’re a romantic partner. it doesn’t imply that there’s physical incest/sexual abuse going on, but the effects can be similar. (this is a helpful link for more info about emotional/covert incest).
in short, this seems to be what’s going on between nagisa and natsuo and youji. she’s shown in the manga dumping all of her problems and emotional problems onto natsuo and youji, who might i remind you are 11-12 years old, and never really talking to another adult about them because natsuo and youji don’t know enough to tell her that she’s doing something wrong/needs to change. when a parent does this and treats their kids this way, it can often leave the kids… feeling very strangely about the adult. oftentimes, like with physical incest, it can initially leave the kids feeling ‘special’, like they’re better than the adults, like they’re mature, and these feelings can lead towards the want to fulfill what they think is the expectation of a romantic partner. or, better said, it’s very common for kids to mistakenly develop what they attribute as romantic feelings for the parent, because they think the parent is treating them so specially and already as a romantic/sexual partner. this seems to be what’s happening with natsuo and youji in this case. i say this because while they make comments about this (’my/our woman’, wanting to be more sexually experienced for her, etc), they don’t seem to hold any actual feelings for her, but more the expectation that because of how she treats them, that this is what they’re supposed to do with her.
emotional incest is a very hard concept to grasp because not a lot of people know about it and because of that, it’s hard to understand why natsuo and youji act the way they do towards nagisa, but i’m pretty positive that it’s because of the fact that she treats them like romantic/sexual partners emotionally by dumping all of her emotions and problems on them and trying to have them deal with it and offering them no parental reassurance or support. this is really just another long winded way of talking about another way in which natsuo and youji attached wrongly onto nagisa, which caused the way they are in their introduction to the series.
youji and natsuo’s emotional and development problems might be better understood when looked at from a community psychology viewpoint, as well. community psych isn’t my specialty, but it’s a side passion of mine so i think i know it pretty well. community psychology basically looks at the levels of development and problems that someone has and how they can affect someone at an individual level. if someone has problems at all levels, then they are likely to be developmentally and emotionally affected at an individual level.
above is the systems usually used in community psych. it helps us understand the connection between problems an individual has and the problems a society has and how they affect each other in this context. i’d wager to say that natsuo and youji are so developmentally and emotionally affected because they have problems at literally every level. starting off from macrosystems, they have an issue with the culture/society they’re in, given that they’re isolated by nagisa and considered outsides due to their physical condition. locally, they have similar issues–they’re completely isolated in one culture in an isolated school in an isolated town in an isolated mountainous area, and even then, they’re a little ostracized in the community because of the fact they can’t feel pain, something that’s very integrated into the culture of the Fighter-Sacrifice world. Organizationally, they’re isolated, as well, because they live with nagisa and don’t go to school in the traditional sense. they also have a ton of problems in their microsystem with their ‘family’, consisting of nagisa, and their lack of friends. overall, all of their problems and isolations in all these contexts comes down to cause problems on the individual, to the point where in the beginning, natsuo and youji do not act like normal kids at all.
it’s only after the two of them are exposed to a normal, usual culture (macrosystem), placed in a non-isolated city (local), going to a regular non-isolated diverse school (organizational), and have a somewhat functioning, healthy family and group of friends do they start to greatly improve, because all those issues have been taken off of the individual, leaving them to start developing correct attachments and overall ‘getting better’.
i know that i’ve rambled a lot about psychology and also about nagisa in this, but both those things are so heavily intertwined with natsuo and youji’s stories that it’s hard to separate them or not talk about them when trying to analyze them.
so, to combat that, let’s talk a little about them as individuals?
natsuo and youji are very interesting characters, both in-series and in meta. they’re treated interestingly in fandom [in meta]. i, like many others, treat and tend to talk about them like they’re one person, rather than two separate people. i do this a lot, and i’ve been doing it in this post, even. honestly, sometimes it’s easier to view them as two people because although they look different and have started having obviously separate personalities, the two of them are a unit and they’re so involved with each other that just like it’s hard to not talk about nagisa when analyzing them, it’s hard not to consider them as one single unit of a person when doing the same. the fact of the matter is, though, that they are two different people, and more obviously so after they’ve started living with soubi.
originally when they were introduced, natsuo and youji seemed like they had the same personalities. they were both equally violent and malicious, and at the time, neither seemed more subdued that the other. over time, though, as they’ve started adjusting to being more ‘normal’, they’ve developed significantly different personalities. natsuo is the calmer of the two, but seems more generally upset at things happening around him. he’s developed a better mind for empathy and seeing the emotions of others and seems to follow youji usually. the empathy is a double-edged sword, though, since natsuo seems to get more easily depressed/upset at events and happenings. youji, on the other hand, has developed to be much more of a leader in his antics, but he has clear and obvious trouble empathizing with others, something that seems to frustrate him lately. he more clearly shows distress when he is distressed and seems to get much more frustrated with himself. they’ve both lost most of their violent tendencies and have developed into just generally mischievous gremlins children. i jokingly call youji the ‘hell child’ because of his tendency to start erratic misbehavior, but it’s absolutely nothing close to attempting to rape someone or killing animals and (maybe) people.
meta-wise, this change has started a clear trend of liking natsuo and youji. i’ve discussed this same thing before, but at their introduction, you’re not supposed to like them because they’re introduced as small monsters who kill a dog, might’ve killed Sleepless, and then try to rape hitomi and drive a nail through soubi’s hand. you’re absolutely not supposed to like them and you’re supposed to want to kick soubi’s ass when he takes them in out of what you later realize is pity on his part. as they become more human and normal, though, people fall in love with them, and they eventually clearly turn ‘good’ when they willingly try to fight against seimei and then willingly volunteer to go with soubi and ritsuka for support when kio gets kidnapped, despite the fact that soubi is marked as one of the strongest fighters and is clearly able to take on bloodless on his own.
on top of that, natsuo and youji have begun to care. this is most clear when they both get upset over ritsuka being upset over the loss of soubi and their immediate insistence that theyll help him. there’s not a whole lot in it for them, since they believe they can take care of themselves (though they can’t, but they don’t know that in canon), so they’re helping ritsuka out of what seems to be concern for someone they view as family/a very good friend. the fact that they care is actually clear before this, though, specifically when nagisa calls them back and they realize that they sort of just want to stay here, with soubi, and then they later realize that they miss him and ritsuka, and then they finally make the conscious decision to leave the woman that they’ve wanted affection from and a connection with their entire lives, and go back to soubi. they care about other people now and both of them have started to experience empathy (though youji doesn’t seem to realize that it’s what he’s feeling) and have started to view their relationship through a light in which they’re beginning to realize that it’s wrong and inappropriate and living with soubi is much better.
soubi also cares about them, even if he has weird ways of showing it. as i said, he’s not the perfect parent or even a really good one and there’s a lot of ways he can improve, but he’s somewhat what they need and part of the reason they’ve become normal children. he actually seems to treat them mostly like an adult should–namely, he doesn’t emotionally treat them like a romantic partner and doesn’t dump everything on them to sort through. he also seems to enjoy taking care of them, as well as ritsuka, and does miss them a lot when they leave. he is happy that they’re back, even though he doesn’t show it immediately, and goes far enough to enroll them in school to get them to be normal kids.
in short, i think natsuo and youji could use some heavy therapy, but they’re actually the two most well-written characters in the series, which is a little impressive given that they’re background characters. they’ve evolved and changed more than any other character in the series, to the point where they’ve become very likable protagonists, a stark difference from how they were when they were first introduced. nagisa is the cause of their developmental issues, as well as them being almost completely isolated, and they’ve changed because of the fact that they’re no longer around her or being isolated.
#vvitchy-ways#loveless#Sagan Natsuo#sagan youji#sagan nagisa#im sorry you were probably not expecting 3000 words of analysis on this IM SORRY#theory
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Car Insurance?
Car Insurance?
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Putt-Putt Joins the Parade – Won!
By Ilmari
What keeps those eyebrows linked to the car?
Daddy of the Teletubbies Sun?
That yawn is just plain creepy
And there are teeth. He even washes them
The game wastes no time in introducing my main goal: Putt-Putt hears from the radio that there’s a parade to be held in town and immediately wants to join it. Before I’ll tell you how that goal is achieved, let me go briefly through the game interface.
Basic interaction couldn’t be simpler: wherever the usually transparent arrow turns white, there’s a hotspot to be pushed. The difference is pretty subtle and it took me a while to even notice it.
What’s fun is that hotspots are almost everywhere, and a lot of them hide clever animations and gags. For instance, at the starting screen you can draw the curtains and find a frog behind them, and then, pushing the frog at the right moment, you can make it catch a fly with its tongue. Or, you can add some cereals and oil to the bowl and make Putt-Putt eat some breakfast (let’s not discuss about car biology here).
Large part of the screen is taken up by the dashboard. There’s the gas gauge, which does get lower when you move around – there’s a place where you can fill your tank, but I’m not sure what would happen, if you tried to use up all your gasoline (again, let’s not talk about car biology). There’s a honk and a radio, with which you can play two different music channels. Finally, there’s a large container for inventory, and on my table there’s one coin which I can take as my first item.
Getting out of Putt-Putt’s house, I soon found my first real obstacle – a cow had parked itself on the road and stopped my journey to the town. I spent some time trying to find an item that would have helped me, until I came up with the obvious answer – cow stepped aside, if I just honked.
Car Town
Getting to the town, I went first to speak with the local fire engine, Smokey, who gave me some further instructions on how to get to the parade. I should find myself a pet and a balloon and I should either get a wash or a new paint job. Both car wash and car paint required money, but I could deliver some groceries and cut some lawn. Smokey also borrowed me his lawnmower.
Did he grow to be so big or was he just built that way?
Continuing counterclockwise, I went to a car paint, just to notice that I needed more money to enter it. The next stop was a toy store. The owner spoke with me for a moment, but then she left somewhere. In addition to hotspots with animations, I found a magnet and couple of optional minigames.
I really don’t understand what I am supposed to do here. I can push the spring on the right to get a ball, and then I can use the wooden pegs to control where it bounces, but there is no obvious goal where I should direct it.
Lot simpler than in Dr. Brain
I also found these guys, who ask silly riddles from one another
I went then to car wash, where I also needed more money, and to gas station, where I could fill Putt-Putt’s tank. Finally, I went to Baldini’s general store, where I found a sack of bird seeds and got a gig for delivering groceries.
A car with a mustache?
The local highway
Moving beyond town, I came to crossroads, with heavy traffic blocking Putt-Putt’s journey again. The trick was to press the traffic lights, which then turned green for me. Now, there were three coloured roads to follow. Mr. Baldini had asked me to deliver the groceries for someone who lived at some of the coloured roads, while Smokey had noted that apartments at another coloured road required lawn mowing. Yes, I hadn’t written down the colours, and since the game doesn’t have any text, I couldn’t even look up the info on my screenshots. So, I just went through all the coloured roads, starting with the red road.
Before getting to the red apartments, I had to get through a bunch of nails that someone had left on the road. I had an obvious solution with me.
A magnet!
The red road was the one where I had nothing to do (I wonder if it is random, which coloured roads have something to do). Still, I went through all the houses, chatting with cars, who often had stereotypical voices.
Like this French car with a French accent
And the Eiffel tower…
…is also a rocket!
Moving then to the green road, I again had to get through an obstacle. This time it was a flock of birds. The solution was again quite obvious.
Skewering them?
No! Throwing seeds
On green road I finally found the car who wanted the groceries.
The green 3 on the groceries might have been a hint
The blue road was blocked by yet another obstacle.
A marching band of mice. Luckily, all I had to do was to play my radio and the band would march away
The inhabitants of the blue road were eager to see their lawn mowed. It was time to do a minigame, four times in a row.
As boring as in real life.You press the button and the car goes there
I was now a lot richer. I had also found at one lawn a bone, which I would use quite shortly. You see, after visiting all the coloured roads, I went instead east from the crossroads. At the end of the road, I found a dark cave.
A puppy!
Look, a bone
Now I have a pet with me
Going west from the crossroads, I came to a movie theater.
She’s lost her child
Where’s the Cardo?
After finding the child of the mother card, I got a balloon as my reward. All I had to do was to use my money for a car paint or car wash.
There goes interior decoration
I was now awarded the top spot at parade.
That was it, I had finished! This was certainly one of the shortest game we’ve played
Total time: 55 minutes
source http://reposts.ciathyza.com/putt-putt-joins-the-parade-won/
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An index to every money book I've reviewed during the past twelve years
147 Shares I read a lot of money books. As a result, a large section of my large library is devoted to books about personal finance. (And if I hadn't purged hundreds of money books when I sold this site in 2009, I'd have even more books and no place to put them.) Last week, a GRS reader named Lindsay dropped a line with an interesting question: I'm really enjoying your work back at GRS, the email newsletter, and your most recent FB live video! I'm wondering: Do you have a list of all the money books you've reviewed? I've been poking around to try and find one)? As it happens, I've been wanting a list of reviews myself. I know I have a million billion different projects around here, but one that I'd like to pursue is a free nicely-formatted PDF download that compiles every review I've written. To answer Lindsay's question and to satisfy my own curiosity I sifted through the GRS archives yesterday to compile a list of every money book I've reviewed during my 12+ years at this site. In this post, I've linked to those reviews, plus I've included a short summary of each book. Note: I'm certain that about half of the reviews are missing from the archives. The folks who purchased this site from me unpublished hundreds of articles (including many book reviews, apparently) during the time they owned GRS. Those reviews still exist, and I'll eventually find them and list them here, but it's far too cumbersome to find them at the moment.
For each book below, I've included a link to Amazon. I've also assigned each a book a letter grade and, in some cases, a star . My letter grades might seem harsh. That's because I've tried to really think about these on a sort of curve, where the vast majority of books are average and only a few merit As or Fs. As a result, some important titles get average (or low) grades despite their contribution to the field. If I grade a book an A, I think it's excellent. It offers excellent advice with no real flaws.If I give a book a B, it's a good book with good advice, but something about it holds it back. Maybe it's poorly written or maybe it's off-base on a topic or two.If I give a grade of C, the book is average. That means it gives reasonable money advice in a typical way. There's nothing drastically wrong with the book, and it's worth reading.If I give a D grade, the book is flawed in some major way. It still has some value to it maybe a core concept that you can't find elsewhere but I'm hesitant to recommend this to average folks.If I give a book and F, I don't think it has any sort of value. I don't give many Fs because I think nearly every book has some nugget of wisdom in it. Note that all of my letter grades were assigned today. They're based on who I am and what I know now, not when I wrote the reviews. And they're based on how valuable the book's info will be to a modern reader. (Some money books that were awesome in 1978 haven't aged well because their advice is specific to that era.) When I've marked a book with a star , that indicates I believe regardless of my grade, the title should be considered part of a core personal-finance library. (I don't have a review of Dave Ramsey's Total Money Makeover here. If I did, it'd get a C or lower because the book's quality is mixed and it has certain drawbacks. But the book would also merit a star because it should be in any serious library of money books.) Ultimately, though, you shouldn't let the letter grades and stars guide your decision to read a book. Use my reviews instead. They're much more nuanced than an arbitrary grade. The grades are meant as a sort of quick reference. Finally, I've sorted the titles into roughly reverse-chronological order based on year of publication. I think most readers are interested in recent titles. (Because of my hiatus from money-blogging, there's a gap here between 2010 and 2016.) If, like me, you prefer older money books, you'll find them closer to the end of this list. That's enough explanation. Here then is a list of (nearly) all of the book reviews from the archives here at Get Rich Slowly!
Get Money by Kristin Wong (2018)Get Money is all about applying game-playing principles to money management. Most money books tend toward boring and stale. Not this one. Get Money is both funny and wise, packed with practical tips for how to play the game of money and win. It's a useful money manual from a favorite former GRS staff writer. [my review] BThinking in Bets: Making Smarter Decisions When You Don't Have All the Facts by Annie Duke (2018)For a long time, Ive argued that the best money books are often not about money at all. Thinking in Bets is an example of this. Duke says that there are exactly two things that determine how our lives turn out: The quality of our decisions and luck. She uses plenty of personal finance examples, but the book itself is about self-improvement. Its not specifically about personal finance, yet the info here could have a profound impact on your financial future. [my review] A-Meet the Frugalwoods: Achieving Financial Independence through Simple Living by Elizabeth Willard Thames (2018)Meet the Frugalwoods isnt a money manual. It isnt fiction. Its memoir. The book covers ten years in the lives of Liz and her husband Nate, from their post-college job-hunting experiences in Kansas to purchasing a 66-acre homestead in Vermont. Through their story, Liz shows readers its possible to move from a life of consumerism to a life built around frugality and purpose. My chief complaint? The Frugalwoods didn't achieve financial independence through frugality; they achieved it through a high income. [my review] CYou Need a Budget by Jesse Mecham (2017)You Need a Budget is a simple book, but its excellent. It doesnt try to throw the entire world of personal finance at you. Its laser-focused on one thing: building a better budget. Because Mecham has been reading and writing about budgets since 2004, hes learned a lot about what works and what doesnt. Hes constantly receiving feedback from the tens of thousands of people who follow his program. This book is a culmination of that experience, and it shows. If you need a budget, I highly recommend this book. [my review] A The Simple Path to Wealth by J.L. Collins (2016)The Simple Path to Wealth presents the advice from the author's blog in a coherent, unified package. Its an easy-to-understand primer on stock-market investing and financial independence. Although the book is intended to offer wide-ranging advice about the journey to financial freedom, I think its at its best when Collins covers retirement investing. [my review] B+ Early Retirement Extreme by Jacob Lund Fisker (2010)Imagine a personal-finance book written by a theoretical physicist. What would it be like? Full of formulas and figures, right? Well, thats what you get with Early Retirement Extreme. This feels like a book written by an engineer for other engineers. This isnt a bad thing, but it is unique. Some people will love it; others will hate it. Also, this book could use a professional editor. These caveats aside, ERE is packed with excellent information, and is one of the key books in the Financial Independence movement. [my review] B The Simple Dollar by Trent Hamm (2010)This book isnt really about personal finance. Theres personal finance in it, sure, but like Hamms blog, The Simple Dollar is about personal and professional transformation. This is a book about change. The information in the book is good, and its sure to be useful to many people, but the content is so jumbled that its difficult to see the Big Picture. [my review] C-Mind Over Money by Ted and Brad Klontz (2009)Mind Over Money wont teach you how to budget and it doesnt ever mention index funds. This isnt a book about the nuts-and-bolts of personal finance. Its a book about how we relate to money. The strength of the book isnt in the answers it provides, but in the questions it provokes. If you're looking for a book about the psychology of personal finance, this is worth reading. [my review] CEscape from Cubicle Nation by Pam Slim (2009)Escape from Cubicle Nation starts at the beginning of the entrepreneurial journey: deciding what to do with your life. Slim spends several chapters discussing how to get in touch with whats important to you. At times, this almost seems touchy-feely. Almost. Thankfully, the book packs in ton of practical info on how to start a successful small business that matches you and your lifestyle. [my review] B+The Happiness Project by Gretchen Rubin (2009)On paper, The Happiness Project may seem sort of lame. Rubin decided to spend one year consciously pursuing happiness. Each month, she tackled one specific aspect of life marriage, work, attitude, and so on and during that month, she attempted to meet a handful of related resolutions she hoped would make her happier. Fortunately, the book isnt lame. Rubins style is warm and engaging, and the material here is useful. [my review] BI Will Teach You to Be Rich by Ramit Sethi (2009)This book is great, but its not for everyone. First of all, its targeted almost exclusively at young adults. If youre under 25 and single, and if you make a decent living, this book is perfect. But if youre 45 and married with two children, and if you struggle to make ends meet, this book is less useful. That said, it's packed with solid advice, cites its sources, and provides scores of tactical tips for managing money. [my review] A- Spend Til the End by Scott Burns and Larry Kotlikoff (2008)Burns and Kotlikoff analyze dozens of hypothetical scenarios as they seek to discover which choices provide the greatest lifetime living standard per adult. Their aim is to find a way to balance today and tomorrow, to pursue what's known as consumption smoothing. Much of the books advice is geared toward those nearing retirement, but theres still plenty for readers of every age. [my review] C+Increase Your Financial IQ by Robert Kiyosaki (2008)The problem with the standard financial advice is that its bad advice. Youve been told to work hard, save money, get out of debt, live below your means, and invest in a well-diversified portfolio of mutual funds. But this advice is obsolete so argues Robert Kiyosaki in Increase Your Financial IQ. I'll be blunt: Kiyosaki is full of shit. I worry about his financial IQ. [my review] D-
The 4-Hour Workweek by Timothy Ferriss (2007)When I picked up The 4-Hour Workweek, I was worried it was some sort of get rich quick book. Ferriss makes a lot of bold promises, and some of the details along the way read like the confessions of an internet scammer. Ultimately, though, I found tons of value that I could apply to my own entrepreneurial ventures. In fact, this has become one of my most-bookmarked books of all time! An intelligent reader can easily extract a wealth of useful here, which is why it's become a modern classic. [my review] B- The Quiet Millionaire by Brett Wilder (2007)The Quiet Millionaire is different from most of the other money books I review. Though Wilder includes behavioral finance and life planning concepts, this is a numbers book. It's like a textbook for personal finance. It isnt really a book for beginners. Its targeted at folks who are out of debt and building wealth. I suspect many people will find this book boring. But then, smart personal finance is boring. [my review] BDebt Is Slavery by Michael Mihalik (2007)Debt is Slavery is a deceptively simple book. Its short. Its advice seems basic. And its self-published, so how good can it be? Well, I think its great. In fact, I found myself wishing that I had written it. Mihaliks advice is spot-on, and he covers a lot of topics that other authors shy away from, such as the effects of advertising, the weight of possessions, and the soul-sucking misery that comes from a bad job. This book may be short, but its sweet. Especially great for recent graduates, I think. [my review] B+Overcoming Underearning by Barbara Stanny (2007)Overcoming Underearning isn't what I expected it to be. When I read the title, I expected a book about how to stretch your dollars and how get more from what you do earn. This book is about asking for more, creating more, and working your way through the psychological pitfalls that lead to being satisfied with less in the first place. But the book contains few actionable steps that will help you make more money or invest well. If you need a how-to book, keep looking. If you need to get started, or are started, but have hit a wall and you dont know why, this might be the book for you. [my review] C-The Secret by Rhonda Byrne (2006)The Secret is all about the so-called Law of Attraction, which is not actually a law of anything. The Law of Attraction states that your life is a result of the things you think about. From a psychological perspective, this notion has some merit. But this book offers no evidence of any kind: no scientific discussion, no experimentation only scattered cherry-picked anecdotes. Its the worst kind of pseudo-scientific baloney. And its money advice is actively harmful rather than helpful. [my review] FThe Millionaire Maker by Loral Langmeier (2006)The Millionaire Maker attempts to codify Langemeiers proprietary Wealth Cycle Process. She believes there are better places to put your money than in mutual funds. This book is a mixed bag. While it preaches what ought to be preached, and Langemeier provides more specifics than some authors, her message sounds hollow. There is some good information here, but theres stuff that raises red flags, too. [my review] D+Work Less, Live More: The Way to Semi-Retirement by Bob Clyatt (2005)For years, Work Less, Live More has been my go-to book for info about early retirement. I give away copies several times a year. I recommend it when replying to email. I refer to it myself when I have questions. I like this book because it strikes a balance between the high-level Big Picture stuff and the low-level nitty-gritty numbers crunching. (See also: Bob Clyatt's guest post here at GRS about his life since writing the book.) [my review] A All Your Worth: The Ultimate Lifetime Money Plan by Elizabeth Warren and Amelia Tyagi (2005)This book was written by the mother-daughter team of Elizabeth Warren and Amelia Warren Tyagi. (Warren is now a U.S. Senator from Massachusetts!) The authors dont get bogged down in the details of frugality and investing. Theyre more interested in changing behavior, in fixing the big stuff. They offer a framework around which the reader can build lasting financial success. The book's advice is solid, if sometimes flawed. To me, its lasting legacy is the introduction of the Balanced Money Formula (which some now call the 50-30-20 budget), a concept I promote extensively in my public speaking gigs. [my review] B- Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth by T. Harv Eker (2005)Many people would dismiss Secrets of the Millionaire Mind as useless. Theres not a lot of concrete information here about how to improve the details of your financial life. (Though the scant advice presented is sound). Instead, this book encourages readers to adopt mental attitudes that facilitate wealth. Its about changing your psychological approach to money, success, and happiness. (This book is the source of my money blueprint concept.) [my review] CMoney Without Matrimony: The Unmarried Couple's Guide to Financial Security by Sheryl Garrett and Debra Neiman (2005)As difficult as marriage and money can be, things are even tougher for unmarried couples, both gay and straight. Its difficult for these folks to get good advice in a society thats geared toward married couples. Money Without Matrimony is a great book with sound suggestions. Its non-judgmental, practical, and packed with advice. If youre in a committed unmarried relationship, I highly recommend you track down a copy. [my review] AThe Automatic Millionaire by David Bach (2005)David Bach is perhaps best known for coining the term the latte factor, a phrase that has almost become a joke in personal finance circles. Thats too bad, really, because Bach has some good ideas. And the latte factor is a marvelous concept, applicable to many people who casually spend their future a few dollars at a time. This book encourages readers to eliminate debt, to live frugally, and to pay themselves first. But the core of his book is unique: rather than develop will power and self-discipline, Bach says, why not bypass the human element altogether? Why not make your path to wealth automatic? [my review] C Luck Is No Accident: Making the Most of Happenstance in Your Life and Career by John D. Krumboltz and Al S. Levin (2004)Luck Is No Accident is a short book. Nothing in it is groundbreaking or revolutionary. Yet its common-sense wisdom is a powerful motivator. Whenever I read it, I cannot help but come away inspired, ready to make more of my situation, and to try new things. If youre the sort of person who wonders why good things only happen to other people, I encourage you to read it. [my review] B+The Random Walk Guide to Investing: Ten Rules for Financial Success by Burton Malkiel (2003)Malkiels advice can be stated in a few short sentences: Eliminate debt. Establish an emergency fund. Begin making regular investments to a diversified portfolio of index funds. Be patient. But the simplicity of his message does not detract from its value. If you want to invest but dont know where to start, pick up a copy of this book. [my review] A-
The Bountiful Container by Rose Marie Nichols McGee and Maggie Stuckey (2002)The Bountiful Container beats most gardening books hands-down in several key areas. It focuses on growing plants that give a beginning gardener the most bang for the buck, plants that are both edible and decorative and can be grown with limited space. It is splendidly organized and easy to read, and has a great index, too. And the level of detail is just right for almost any skill level, and the writing is pleasant to read and easy to understand. [my ex-wife's review] B+The Four Pillars of Investing by William Bernstein (2002)In this book, Bernstein describes how to build a winning investment portfolio. He doesnt focus on the details he tries to explain fundamental concepts so that readers will be able to make smart investment decisions on their own. The Four Pillars of Investing is challenging in places, but it provides an excellent introduction to the theory, history, psychology, and business of investing. If youre able to finish, youll have a better grasp of investing than 99% of your peers. [my review] B Why We Buy: The Science of Shopping by Paco Underhill (2000)In this book, Paco Underhill an environmental psychologist describes what he learned through years of research into consumer behavior and retail marketing. Like it or not, youre manipulated all of the time while youre shopping, and in ways you dont even suspect. But by taking Underhills lessons for marketers and flipping them around, you can make yourself immune to marketers manipulations. (Well, maybe not immune, but less likely to succumb to their ploys, anyhow.) [my review] BWhy Smart People Make Big Money Mistakes (and How to Fix Them) by Gary Belsky and Thomas Gilovich (1999)In this short book, Belsky and Gilovich catalog a menagerie of mental mistakes that cause people to spend more than they should. What might have been a boring topic becomes fascinating thanks to an engaging style and plenty of anecdotes and examples. This book covers a couple dozen psychological barriers to wealth. [my review] B+ The Millionaire Next Door by Thomas Stanley and William Danko (1998)The Millionaire Next Door has earned its place in the canon of personal-finance literature. It's built on years of research, on a body of statistics and case studies. It doesnt make hollow promises. That said, the book is a flawed classic. It offers a fascinating portrait of the wealthy, but it buries this beneath mountains of detritus. The book is poorly organized, repetitive, and dull. (The section on car-buying seems to go on forever.) A patient reader will be rewarded with a glimpse at what it takes to become a millionaire, but I cant help but feel this book could have been something more. Warning: Avoid the audiobook, which suffers even more in the tedious sections. [my review] C+ Yes, You Can Achieve Financial Independence by James Stowers (1992)Yes, You Can Achieve Financial Independence is informative without being dense. Its accessible without being condescending. Its advice is solid. The book is filled with investment advice, but it gives equal time to thrift and savings. Best of all, it asks as many questions as it provides answers. It prompts the reader to think, to evaluate his priorities. Its message is that yes, you can achieve Financial Independence, but you cant get there overnight, and you cant get there without setting goals and making sacrifices. [my review] A-How to Retire Young by Edward M. Tauber (1989)How to Retire Young is one of the oldest books Ive found on the subject of early retirement. Taubers premise is that many people can retire early if they plan and remain dedicated to the plan. I wish I could say that this is a great book. Sadly, its not. Its good (dont get me wrong), but it suffers from being first. [my review] C-Cashing In on the American Dream: How to Retire at 35 by Paul Terhorst (1988)Cashing In on the American Dream is a seminal early retirement book and its advice was spot-on for 1988. But that strength is now its weakness. Some of the advice is thirty years out of date. If you dont need specific advice but are instead interested about theory (and story), then seek out this title. (The last half of the book is filled with stories from folks who made early retirement happen.) [my review] BHow to Get Out of Debt, Stay Out of Debt, and Live Prosperously by Jerrold Mundis (1988)How to Get Out of Debt is built on the principles of Debtors Anonymous, a twelve-step program founded in 1971 to help those who struggle with compulsive debt. Mundis was himself a debtor, and he based this book on his own experience. This isnt purely theoretical information from the mind of some Wall Street finance whiz who has never struggled; this book contains real tips and real stories from real people. [my review] A- You Can Negotiate Anything by Herb Cohen (1980)Whether you like it or not, your life is filled with negotiations. You negotiate your salary, for the price of a car, for the cost of a couch. You negotiate with your wife about where to spend your summer vacation, with your husband about what color to paint the babys bedroom, with your daughter about what time she should be home from the football game. Of all the books Ive recommended at Get Rich Slowly over the years, You Can Negotiate Anything is one of the best. [my review] A How to Get Rich and Stay Rich by Fred J. Young (1979)This book is built around a single principle: Spend less than you earn and invest the difference in something that you think will increase in value and make you rich. It reads like homespun advice from your favorite uncle. While theres plenty of good advice in these pages and lots of amusing anecdotes, theres very little polish. [my review] CThe Incredible Secret Money Machine by Don Lancaster (1978)Though the title smacks of get-rich-quick schemes, The Incredible Secret Money Machine is really about starting and running a small business. To Lancaster, a money machine is any venture that generates nickels. Nickels are small streams of revenue from individual customers. If your goal is simply to earn a comfortable income for yourself by doing something you love, then this book can help you explore the idea of business ownership. Its not going to help you launch the next Google or Microsoft, though. Lancaster is all about nickels, not about dollars. [my review] C+Hard Times: An Oral History of the Great Depression by Studs Terkel (1970)In 1970, writer Studs Terkel published Hard Times: An Oral History of the Great Depression, which features excerpts from over 100 interviews he conducted with those who lived through the 1930s. Terkel spoke with all sorts of people: old and young, rich and poor, famous and not-so-famous, liberal and conservative. The book is fascinating. Its one thing to read about the Great Depression in textbooks, or to hear it used as leverage in political speeches, but its another thing entirely to read the experiences of the people who lived through it. [my review] A-
That's it! If you find any reviews I missed, let me know so that I can add them to this index. I consider this a living article. I plan to add to it with time. As I re-publish old reviews that are currently unpublished, I'll add them here. And as I write new reviews in the future, those will get added to the list too. Know of a money book that I should read and review? Drop a line to let me know! 147 Shares https://www.getrichslowly.org/money-books-index/
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Does compare the meerkat do cheap car insurance?
Does compare the meerkat do cheap car insurance?
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i dont know if this is the right category, but my insurance expired and i drove the car not knowing, and i just went to my insurance provider and they said i will be fined? what type of fine and does it add points to my license? any additional information to it that i dont know? it is in Georgia.""
Only eligible for group insurance?
My husband is only eligible for group insurance due to multiple injuries/surgeries obtained from playing sports. His employer does not provide benefits, nor does mine. I was able to get insurance privately, but they refused him. What else can we do?""
Insurance for 17 year old female?
Hello, I wanted to know what the price would be ranging between for a car that probably would have been made in the year 2000. I haven't started lessons yet but i will be by october and wanted to get a rough idea. Also i heard that there is a insurance that you can get that is cheap but you're not allowed to go out after 11pm at night or something. Is this true? if so what would the price be roughly?""
Why are teens against high auto insurance?
Why are teens against high auto insurance?
How can a non insured pregnant lady get a health insurance in california that covers maternity and delivery ?
California Health Insurance for a pregnant lady
Insurance plans for family?
where can i get complete family insurance plans for lowest premium rates
invicta insurance
invicta insurance
Why is 6 months of the cheapest car insurance $700? What would be the cheapest provider for me?
Details: Im 19, Had my license for 1.5 years, no accidents, live in an apartment with 2 room mates, good credit, have a 1997 dodge stratus es 4 door, and in college. What would be the cheapest provider to make it legal? Also, are there any tricks I can use to make it cheaper?""
I recently moved to Brooklyn and I need to find affordable auto insurance for my car. Any suggestions?
I know car insurance in NY is expensive in general, but any suggestions would help!""
Which insurance company is the cheapest for a new UK rider?
Which insurance company is the cheapest for a new UK rider?
What is a fast car that is in a relativley low insurance group?
Hi i'm looking for a car which is fast but not that high in insurance i have 4 year NCB but i'm only 23 and have already got 2 smashes under the belt and a speeding ticket i'm currently looking at a ford cougar 2.5 which is group 14 insurance but i have own one of these before but was just wondering if there is a faster car then this that is lower then group 15 insurance i live in the uk can anyone help.
Why are car insurance for men more higher than women?
I don't understand why is insurance for men more higher than women. Lets be honest: Women can get distracted as men and men can also get distracted. Men have temptation of speed, and so do women. some women have a tendency to be impatient behind a slow driver and dangerously overtake with their escalades or odyssey and so do men. In Europe, they have stopped doing this and how come in USA they don't do the same? I am not arguing that my insurance should be lower but it just doesn't seem to make sense. I am a careful driver yet I still have to pay more? For what? I have seen girls drive as bad as men. Why do I have to pay for so much as a male?""
How much would the insurance be on a 1993 Acura legend coupe with a type II engine and skyline gtr body kit?
I have a link that shows pictures of the car so please give me your thoughts about what you think of the car itself and how high or low the insurance may be. Here's the link. http://www.cardomain.com/ride/562419/2
How much should i pay for insurance premium for an indoor playground business?
How much should i pay for insurance premium for an indoor playground business?
What are the advantages and disadvantages of a high-deductible insurance plan?
I am looking in to getting insurance that has a high ded. plan and a low ded. plan. What are the advantages and disadvantages??
What is the CHEAPEST car insurance anyone can find for a 17 year old male!?
i no this is a problem for many my age but i can only find quotes for 3000, i dont want any answers saying that is the cheapest or things like that, i no now some jerk will now ive said it, but there is a way i just cant find it!!""
What zip code in the U.S. has the cheapest auto insurance?
I want to know what area of the country recieves the cheapest auto insurance?
Cheapest tuner platform to insure?
I am a 16 year old male looking to buy his first car. I know im in the situation to get the highest insurance already, but im still looking for a tuner. I have about 4 grand to spend so ive been looking at civic vtecs, 240sx's, vw's and many others. I was wondering how much some tuners cost in insurance for my age and sex, and also any other cars that are cheap to insure, but i can get a lot of horsepower out of. Thank you!""
Cheap Car insurance...............?
im 19 living in england just held my license for a week now. im being quoted 4 and half grand insurance on a 1.4 civic. that is bullshit. does anybody know a cheap insurance legit one? i need to start driving ASAP.
""One more question on insurance,,,, do I HAVE to cancel existing insurance on my mums car.....?""
i have a quote from an insurance company who is willing to give me temporary car insurance for 3 months on my mums car, it works out cheaper then going on as second driver, they said i have to cancel my mums insurance but maybe that is because they wanna make money at the end of the day, my mum is saying i don't have to cancel the existing insurance but i aint sure, i just think she is worried she may not get the refund for paying for a full years insurance if she cancels... help me out guys !!?""
""Looking for cheap car insurance,small car,mature driver? any recommendations?""
Looking for cheap car insurance,small car,mature driver? any recommendations?""
How much is car insurance for a new female independent driver in the UK?
I was just wondering how much it costs for a new female to get insurance on a car .. anyone have a ny ideas ... and is 1.1 L engine big enough for a new driver answers needed asap please !! xx
Got a fine for no car insurance.?
I got a fine for no car insurance in CA, what will possibly happen to me? I'm fearing the worst...although there should be no excuse for it I didn't have the money at the time.""
What debit is insurance expense and what credit is prepaid expense?
On July 1, 2007, Lumas Co. pays $15,840 to Patel Insurance Co. for a 6-year insurance contract. Both companies have fiscal years ending December 31. For Lumas Co. journalize and post the entry on July 1 and the adjusting entry on December 31 to all accounts except cash. Debit Credit July 1 Prepaid Insurance $ 15,840 Cash $ 15,840 Dec. 31 Insurance Expense $ ???? Prepaid Insurance $ ???? what would go where the question marks are?""
What is an annuity insurance?
What is an annuity insurance?
When asked for your insurance in a car that's not yours..?
Just recently I took a vacation down to Galveston, and on my way back I got a speeding ticket in Ennis. Thing is, I was in my boyfriends mom's car and I didn't have my insurance. So I gave him the insurance for the car that I am not covered on. So my question is, is her insurance effected because of me? and When taking defensive driving should I put my insurance down for getting the ticket off my record?""
How much (estimated) would it cost for insurance on this mustang?
I am soon to be 16, and a family member has a 1998 Mustang for sale. I was wondering, any idea on the insurance? read below -4.6L V8 -convertible -all power, seat belts, airbags, etc. -VERY good condition PS we dont have drivers assigned to our cars, just the drivers and cars. also, the conv. top has a 4 inch rip in the seam. is this repairable or does it have to be immeadiatley replaced? i can wait to have it replaced if i can simply repair it. NOTE: I DIDNT ASK THIS QUESTION to hear your too young or mustangs suck I am a responsible teenager and Mustangs have been my passion since i can remember. so thanks. NOTE""
""Car Insurance, which one is best?""
I am a 22 yr old, i am buying a truck tomorrow an 04 ford f150 and I was wondering what insurance place would be best for me. Ive never had car insurance before (I drove my dads old truck and made the payments and insurance payments but it was under my parents name so it would be cheaper) If anyone has any ideas i would greatly appreciate it!""
""Families who live in America, how much is your health insurance per month?""
In an earlier question I mentioned that my boyfriend's parents are paying for his 24-year-old sister's health insurance after she got laid off and couldn't find another position and can't afford health care on her own, to the tune of $175 a month (and she's perfectly healthy) and was floored when someone said that was actually inexpensive. Btw, her parents insist on her having health care coverage for fear of her getting in an accident or whatever. I'm 17 and am quite obviously naive about the costs of health insurance, but I'm really curious about it, and would like to know how much it usually costs for a family to have health insurance in America. I'm in California. I don't know if it's more expensive depending on your state. If if you don't mind answering, how much do you pay per year, and how many people are in your family? Does it become more expensive as your kids get older? What kind of plan do you have? Through work or your own? Are you supportive of universal health coverage? Also: does anyone understand how Medicare / MediCal works and who decides who is covered and who isn't? Is it based on your yearly income? I'm asking because one of the reasons my boyfriend's parents want his sister to have insurance is that another family friend of ours broke her jaw in a roller blading accident when she was 26 and didn't have insurance because she was unemployed at the time, and not being able to pay the $15,000 hospital bill killed her credit score. Sorry for all the questions. I'm just really curious about all this.""
Any Cheaper Car Insurance..?
Hi I'm in U.K (young driver, no claims bonus). and ive just recently bought a nissan micra 1.0 R reg i got a quote from AA, churchill, norwich union, zurich and they all are giving me a price of over 1500 pounds. I have pass plus. Any cheap car insurance out there in U.K please help need to get one fast. Thanks""
Do you have to have car insurance just because you have a drivers license?
My mom is bent on the idea that just because I have a drivers license I have to have car insurance as well. I go away for college and I dont drive all year long. We have a family car that I drive once or twice over the summer but other than that I don't get behind the wheel of a vehicle. I don't have any problem with just not driving at all. Am I really legally obligated to have car insurance even though I do not drive? Will it somehow make me less likely to get insured in the future if I remove myself from her insurance package now?
How much is a monthly car insurance in new York ?
I'm leasing a car n I need to know what is the average monthly cost in NYC. Thanks.
invicta insurance
invicta insurance
What is The Age Limit To Use My Medical Insurance?
Hi I'm 20 years old and i want to know what is the age limit medical insurance covers? I hardly use it and now that i need it to have an eye check, I don't know if it will cover me... I reside in California. Thank You!""
How much does car insurance approximately cost for teenagers?
I'm 17. Gonna drive a 2012 Hyundai Accent Female 3.0-3.5 GPA I've had my license for about 3 months already.. and my dad still hasn't gotten me car insurance (which frustrates me considering i have my license and he won't let me drive anywhere without any insurance). He won't tell me how much it is monthly. So i'm wondering how much it'd approx. cost for me monthly?
How much do you think insurance would be for me?
I'm turning 16 and honestly don't know where to even start when it comes to insurance. Right now my parent don't have insurance.. Do They need to have insurance so I can get insurance? I live in tennessee I'll be driving a 2006 black jeep liberty and insurance just seems really confusing and scary.
What is an affordable car insurance?
Which one do you have? Is it a good one?
""What life insurance is best for a senior 62 female, on a fixed income, AARP or Landmark Life? asap?
My mom and I are ingnorant to the premiums and the small print on determining the rates. Need an honest opinion from a good christian person. Just need help in determining which is better AARP or Landmark Life? I see two very charts that have us concern if we made the right choice with the one paying more to get less...over a ten yr period. Thank you for taking time to respond
Car insurance and business... HELP...?
Hi, I am 17 and am taking my test next week. I am also soon starting an apprenticeship (electrical). At this time I am not sure about transport (if I have to go to company and travel as van passenger or even driver) or if I have to make my own way to jobs. Whichever way a licence will help a lot. If I am just driving to work 4 days a week and college 1 then can I use Social, Domestic and pleasure + commuting to a single place of work or study ? and if I have to drive between jobs then I know I can not use this insurance (correct?) but when looking at business car insurance quotes they seem to be based on me owning the company (which I do not) so what insurance do I need and is there any responsibility on my employers to pay some or all of the insurance if I am driving between jobs? Please can you help... Thanks in advance.""
Student health insurance...please help?
So, I'm looking for my first health insurance since becoming independent. What is a reasonable amount for the deductible and monthly payments, coinsurance and the price per office visit? I really have no idea...thanks for any advice. i'm a full time student btw and i'm 19 female""
Where can I apply for free or low cost health insurance?
Im a poor student that works less than 20 hrs a week. I am a permanent resident (not a citizen). Please help. I think im going to die soon (see my other question). I also live in montgomery county maryland if that helps
1996 Chevy Z26 Beretta Insurance???
How much would a 1996 Chevy Z26 Beretta cost? Would it be really high because its a sports car? I have a great deal on a GREAT looking car and just wondered if i could afford the insurance..... Im almost 18 and a boy if that helps you answer....
Where can I get insurance for an older car?
I have a 1969 VW Beetle and need cheapish insurance. Very few insurers will cover a car that old unless it is a classic , but as this means it can only really be driven to shows and whatnot, it won't work for me. This is my daily driver. Thanks in advance.""
Can a car insurance company ask you if you have health insurance when you make a claim?
I was in an accident recently and the other insurance company asked me if I had health insurance. I was not at fault. Can they do that?
""Accountant, Insurance, and Cars, please answer?
How do I get an accountant? what things will he need to work with and how do I go about getting one? Liability insurance? How do I get it? And how much will it be for gardening roughly? Van insurance? What details will I need to get this insurance? How do I go about paying tax within a self employed company?
SR-22 Insurance?
Can someone please tell me the process? I got pulled over in May for DUI and I was told I had to get Sr-22 insurance. I have a brand new Mercedes Benz (CLK 350) and I am 23 years old. The title of the car is in my name and my moms name. Is there any way for me to get around this without her knowing? She will kill me!! Is there a way to take my name of title and just get the non owners SR-22 insurance? All of this is so confusing and i'm scared. Any experts out there?
Classic car insurance for 18 year olds?
I was wondering whether it is possible to be put on a classic car insurance policy at 18. I've looked around and nearly all say you have to be over 25. I would like to somehow be insured on an Escort XR3i or RS turbo. I understand that because of may age this isn't going to be very easy. would it be cheaper to be a named driver if my dad owned the car ?
Car insurance?
Car insurance? Question. My boyfriend was driving my car... and my insurance is just liability insurance...My boyfriend does not have insurance. He was pulled over and given a speeding ticket. It says on the paper attached that if he did not show proof of insurance he would need to send that in with the ticket.. the cop did not ask for proof of insurance.. and also on the ticket... it says financial responsibility shown? and the office marked YES..... does that mean he lucked out this time
Car crash information to your own auto insurance.?
I was involved in a car crash. But, it wasn't my fault. A driver hit me from back. I called his insurance company to file a claim. Do i have to call my insurance company, just to inform them about what happened? Is there a downside on letting them know about crash? Thank you""
""Was to help make health care plan was to help make health care more affordable, what happened?
It does not seem it is going in that direction; it seems like more of a insurance sale for insurance company.
""Car accident, how much for pain & suffering??""
My sister & I were in a car accident & it was all the other person's fault. She sprained her shoulder, I got whippedlash & SEVERAL muscle strains in back/shoulders/neck. We both hurt, but w/work & the work I do for my nursing class it hurts my back even worse & I'm not giving up on what I do. How much can I actually get for pain & suffering from the insurance company?? Or do I need to contact a lawyer & sue the guy or would the process take too long for me to get anything out of it??""
Motorbike insurance cost?
hi all i have just passed my bike test and was wondering how much insurance would be for a 125, 250 range engine im 18, 0ncb any suggestions would be good cheers""
Insurance quote on 1989 Jaguar XJ6 for 17 year old?
Hey, just for the record I'm not buying this car to speed, I just plan on fixing it up and taking it for cruises. Just wondering how much it would be, thanks. Also does it go under classic or historic car insurance?""
""525i First car, how much insurance?""
Hey, Im currently trying to get my driving lisence and I was thinking of buying a BMW 525i 1995 model as my first car, how much will the insurance cost approximatly? i know it will be expensive, but how expensive?""
""I make $1500 and still live at home, is a $400 car payment plus $200 for car insurance too much ?""
I only pay for my cellphone bill which is $80 a month. I still live at home and i'm 20 years old. I will be making a lot more money within the next year. The car i want is a 2011 gti base model, which is top 10 in consumer mag for most reliable, practical, fuel efficient vehicles for this year. I want to drop $5k down which will be around $350 a month, but the insurance is $190 a month since i'm only 20. I've driven two used cars and they are just a headache and so i want to drive something fun, practical (4dr) and fuel efficient. Is this a good look?""
Car insurance !! HELP MEEEEE?
right, i cant find any cheap car insurance but my step dad said i can go on his and it should be alot cheaper ( just for a few yeatrs to save up abit ) but my car is in my name, do i need to change my car into his name ?? Pleasee help be Thank youuu !! xxxxxxx""
Car Insurance and Tickets?
My room mate just got two tickets. One for changing lanes without using a blinker and another for not having his headlights on at 9 o'clock at night. He had just left a parking lot. He had a previous ticket for going 12 over the speed limit which was moved to a parking violation. Will these new tickets affect his insurance rates? He has State Farm and lives in Saint Louis. Should he just pay it or get it fixed?
How much might health insurance cost per year for a healthy 22-year-old?
Need to start buying my own health insurance, because I have some health concerns that i need taken care of ASAP. But overall, I am a healthy person.""
invicta insurance
invicta insurance
https://www.linkedin.com/pulse/tip-cheap-car-insurance-nc-fayetteville-thomas-moore/"
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Click to agree with what? No one reads terms of service, studies confirm
Apparently losing rights to data and legal recourse is not enough of a reason to inspect online contracts. So how can websites get users to read the fine print?
The words on the screen, in small type, were as innocent and familiar as a house key. By clicking Join, they read, you agree to abide by our terms of service. Hundreds of college students tapped the big green Join button to become members of NameDrop, a new social network. But according to paragraph 2.3.1 of the terms of service, theyd agreed to give NameDrop their future first-born children.
Only a quarter of the 543 students even bothered to look at the fine print. But look is not read: on average, these more careful joiners spent around a minute with the thousands of words that make up NameDrops privacy and service agreements. And then they all agreed to them.
Fortunately, NameDropdoesnt exist. The students were subjects in an experiment run by two communications professors, Jonathan Obar of York University in Toronto and Anne Oeldorf-Hirsch of the University of Connecticut. They were confirming, in the lab, what other scholars have found by painstakingly combing data on actual user behavior: nobody reads online contracts, license agreements, terms of service, privacy policies and other agreements. We say we do, with our millions of obedient clicks, but that is, as Obar and Oeldorf-Hirsch wrote last year in their paper about the experiment, the biggest lie on the internet.
But theres a lot in click-to-agree contracts that would give many people pause if they knew about them. For example, users give web-based services and third parties the services contract with, about which users know nothing the right to keep, analyze and sell their data. Increasingly often, too, people click away their right to go to court if anything goes wrong. Theres a real concern that consumer protection law is basically being swallowed by click-by-agree clauses, said David Hoffman, a professor at the University of Pennsylvania Law School, who researches the law and psychology of contracts.
Hoffman is among the legal scholars who believe the no-reading problem isnt new. After all, he points out, few people read the fine print even when it was literally in print.
However, its possible that the design of click-to-accept pages makes the problem worse. A few years ago Rainer Bhme of UC Berkeley and Stefan Kpsell of Dresdens Technische Universitt tested alternative wordings of a simple consent form on more than 80,000 internet users. Some were told their consent was required and presented with highlighted I agree button. They went along 26% more often than did other users, who had been politely asked to participate (with phrases like we would appreciate very much your assistance and both yes and no options represented by lookalike buttons).
In other words, when design invites people to consider their options, at least some do. If the design nudges them instead to follow a habit that years of click-to-agree has instilled, then theyll do that instead. Ubiquitous EULAs [end user license agreements] have trained even privacy-concerned users to click on accept whenever they face an interception that reminds them of a EULA, Bhme and Kpsell wrote.
That suggests it might be possible to address the no-reading problem with design fixes. One approach is to move the contract out of the one-second moment before access is granted, and to place its terms before the user when they become relevant. For example, Obar said, Facebooks pop-up for posting a photo offers a bright who can see this? link that explains that aspect of its privacy terms.
Its not clear that such design tweaks change peoples behavior that much. But theres a larger problem with this approach: reading an average Americans digital contracts would take almost 250 hours a year. That burden, if anyone took it seriously, would be exhausting.
More importantly, its reasonable to ask if this taking up this burden or any term-reading at all is rational. After all, an individual who depends on Google, Facebook or Twitter is not in a position to negotiate her own separate agreement. Why spend time on a contract you can neither change nor refuse?
So the real click-to-agree problem may not be that individuals fail in their duty. It may, instead, be that we have stuck individuals with this impossible duty in the first place. There are, after all, other ways to conceive of our relationships to Google, Facebook, Apple, Amazon and the thousands of other entities that ask us to sign these documents.
It might make more sense, Obar suggested, to hand off the work to specialists, the way millions already hand off tax preparation to accountants. A prototype of this kind of info-mediation is the website Terms of Service; didnt read. It provides users with a very brief bullet summaries of companies policies and agreements, and an overall rating of their quality from the users standpoint. If you trust the site, it can be a handy guide.
Or, perhaps society could subject internet agreements to industry-wide codes of conduct. You dont have a contract with a doctor, but you can expect her to adhere to the Hippocratic oath and a host of other obligations to you because of her license. Digital agreements could be governed by a code of ethics that bars their parties from abusive terms.
Click to agree could be changed for a system that better protects us, and that doesnt make liars of us all. The real sticking point for that ambition would be deciding what something better means. How much efficiency should be traded for a recognition of each users autonomy? What rights, already largely traded away, should we fight to claw back?
Theres no easy fix, Hoffman said. Everyone has a different perspective. And the reason they have a different perspective is because no one knows what to do.
Read more: http://bit.ly/2mmbbWs
from Click to agree with what? No one reads terms of service, studies confirm
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An index to every money book I've reviewed during the past twelve years
Shares 139 I read a lot of money books. As a result, a large section of my large library is devoted to books about personal finance. (And if I hadn't purged hundreds of money books when I sold this site in 2009, I'd have even more books and no place to put them.) Last week, a GRS reader named Lindsay dropped a line with an interesting question: I'm really enjoying your work back at GRS, the email newsletter, and your most recent FB live video! I'm wondering: Do you have a list of all the money books you've reviewed? I've been poking around to try and find one)? As it happens, I've been wanting a list of reviews myself. I know I have a million billion different projects around here, but one that I'd like to pursue is a free nicely-formatted PDF download that compiles every review I've written. To answer Lindsay's question and to satisfy my own curiosity I sifted through the GRS archives yesterday to compile a list of every money book I've reviewed during my 12+ years at this site. In this post, I've linked to those reviews, plus I've included a short summary of each book. Note: I'm certain that about half of the reviews are missing from the archives. The folks who purchased this site from me unpublished hundreds of articles (including many book reviews, apparently) during the time they owned GRS. Those reviews still exist, and I'll eventually find them and list them here, but it's far too cumbersome to find them at the moment. For each book below, I've included a link to Amazon. I've also assigned each a book a letter grade and, in some cases, a star . My letter grades might seem harsh. That's because I've tried to really think about these on a sort of curve, where the vast majority of books are average and only a few merit As or Fs. As a result, some important titles get average (or low) grades despite their contribution to the field. If I grade a book an A, I think it's excellent. It offers excellent advice with no real flaws.If I give a book a B, it's a good book with good advice, but something about it holds it back. Maybe it's poorly written or maybe it's off-base on a topic or two.If I give a grade of C, the book is average. That means it gives reasonable money advice in a typical way. There's nothing drastically wrong with the book, and it's worth reading.If I give a D grade, the book is flawed in some major way. It still has some value to it maybe a core concept that you can't find elsewhere but I'm hesitant to recommend this to average folks.If I give a book and F, I don't think it has any sort of value. I don't give many Fs because I think nearly every book has some nugget of wisdom in it. Note that all of my letter grades were assigned today. They're based on who I am and what I know now, not when I wrote the reviews. And they're based on how valuable the book's info will be to a modern reader. (Some money books that were awesome in 1978 haven't aged well because their advice is specific to that era.) When I've marked a book with a star , that indicates I believe regardless of my grade, the title should be considered part of a core personal-finance library. (I don't have a review of Dave Ramsey's Total Money Makeover here. If I did, it'd get a C or lower because the book's quality is mixed and it has certain drawbacks. But the book would also merit a star because it should be in any serious library of money books.) Ultimately, though, you shouldn't let the letter grades and stars guide your decision to read a book. Use my reviews instead. They're much more nuanced than an arbitrary grade. The grades are meant as a sort of quick reference. Finally, I've sorted the titles into roughly reverse-chronological order based on year of publication. I think most readers are interested in recent titles. (Because of my hiatus from money-blogging, there's a gap here between 2010 and 2016.) If, like me, you prefer older money books, you'll find them closer to the end of this list. That's enough explanation. Here then is a list of (nearly) all of the book reviews from the archives here at Get Rich Slowly! Get Money by Kristin Wong (2018)Get Money is all about applying game-playing principles to money management. Most money books tend toward boring and stale. Not this one. Get Money is both funny and wise, packed with practical tips for how to play the game of money and win. It's a useful money manual from a favorite former GRS staff writer. [my review] BThinking in Bets: Making Smarter Decisions When You Don't Have All the Facts by Annie Duke (2018)For a long time, Ive argued that the best money books are often not about money at all. Thinking in Bets is an example of this. Duke says that there are exactly two things that determine how our lives turn out: The quality of our decisions and luck. She uses plenty of personal finance examples, but the book itself is about self-improvement. Its not specifically about personal finance, yet the info here could have a profound impact on your financial future. [my review] A-Meet the Frugalwoods: Achieving Financial Independence through Simple Living by Elizabeth Willard Thames (2018)Meet the Frugalwoods isnt a money manual. It isnt fiction. Its memoir. The book covers ten years in the lives of Liz and her husband Nate, from their post-college job-hunting experiences in Kansas to purchasing a 66-acre homestead in Vermont. Through their story, Liz shows readers its possible to move from a life of consumerism to a life built around frugality and purpose. My chief complaint? The Frugalwoods didn't achieve financial independence through frugality; they achieved it through a high income. [my review] CYou Need a Budget by Jesse Mecham (2017)You Need a Budget is a simple book, but its excellent. It doesnt try to throw the entire world of personal finance at you. Its laser-focused on one thing: building a better budget. Because Mecham has been reading and writing about budgets since 2004, hes learned a lot about what works and what doesnt. Hes constantly receiving feedback from the tens of thousands of people who follow his program. This book is a culmination of that experience, and it shows. If you need a budget, I highly recommend this book. [my review] A The Simple Path to Wealth by J.L. Collins (2016)The Simple Path to Wealth presents the advice from the author's blog in a coherent, unified package. Its an easy-to-understand primer on stock-market investing and financial independence. Although the book is intended to offer wide-ranging advice about the journey to financial freedom, I think its at its best when Collins covers retirement investing. [my review] B+ Early Retirement Extreme by Jacob Lund Fisker (2010)Imagine a personal-finance book written by a theoretical physicist. What would it be like? Full of formulas and figures, right? Well, thats what you get with Early Retirement Extreme. This feels like a book written by an engineer for other engineers. This isnt a bad thing, but it is unique. Some people will love it; others will hate it. Also, this book could use a professional editor. These caveats aside, ERE is packed with excellent information, and is one of the key books in the Financial Independence movement. [my review] B The Simple Dollar by Trent Hamm (2010)This book isnt really about personal finance. Theres personal finance in it, sure, but like Hamms blog, The Simple Dollar is about personal and professional transformation. This is a book about change. The information in the book is good, and its sure to be useful to many people, but the content is so jumbled that its difficult to see the Big Picture. [my review] C-Mind Over Money by Ted and Brad Klontz (2009)Mind Over Money wont teach you how to budget and it doesnt ever mention index funds. This isnt a book about the nuts-and-bolts of personal finance. Its a book about how we relate to money. The strength of the book isnt in the answers it provides, but in the questions it provokes. If you're looking for a book about the psychology of personal finance, this is worth reading. [my review] CEscape from Cubicle Nation by Pam Slim (2009)Escape from Cubicle Nation starts at the beginning of the entrepreneurial journey: deciding what to do with your life. Slim spends several chapters discussing how to get in touch with whats important to you. At times, this almost seems touchy-feely. Almost. Thankfully, the book packs in ton of practical info on how to start a successful small business that matches you and your lifestyle. [my review] B+The Happiness Project by Gretchen Rubin (2009)On paper, The Happiness Project may seem sort of lame. Rubin decided to spend one year consciously pursuing happiness. Each month, she tackled one specific aspect of life marriage, work, attitude, and so on and during that month, she attempted to meet a handful of related resolutions she hoped would make her happier. Fortunately, the book isnt lame. Rubins style is warm and engaging, and the material here is useful. [my review] BI Will Teach You to Be Rich by Ramit Sethi (2009)This book is great, but its not for everyone. First of all, its targeted almost exclusively at young adults. If youre under 25 and single, and if you make a decent living, this book is perfect. But if youre 45 and married with two children, and if you struggle to make ends meet, this book is less useful. That said, it's packed with solid advice, cites its sources, and provides scores of tactical tips for managing money. [my review] A- Spend Til the End by Scott Burns and Larry Kotlikoff (2008)Burns and Kotlikoff analyze dozens of hypothetical scenarios as they seek to discover which choices provide the greatest lifetime living standard per adult. Their aim is to find a way to balance today and tomorrow, to pursue what's known as consumption smoothing. Much of the books advice is geared toward those nearing retirement, but theres still plenty for readers of every age. [my review] C+Increase Your Financial IQ by Robert Kiyosaki (2008)The problem with the standard financial advice is that its bad advice. Youve been told to work hard, save money, get out of debt, live below your means, and invest in a well-diversified portfolio of mutual funds. But this advice is obsolete so argues Robert Kiyosaki in Increase Your Financial IQ. I'll be blunt: Kiyosaki is full of shit. I worry about his financial IQ. [my review] D- The 4-Hour Workweek by Timothy Ferriss (2007)When I picked up The 4-Hour Workweek, I was worried it was some sort of get rich quick book. Ferriss makes a lot of bold promises, and some of the details along the way read like the confessions of an internet scammer. Ultimately, though, I found tons of value that I could apply to my own entrepreneurial ventures. In fact, this has become one of my most-bookmarked books of all time! An intelligent reader can easily extract a wealth of useful here, which is why it's become a modern classic. [my review] B- The Quiet Millionaire by Brett Wilder (2007)The Quiet Millionaire is different from most of the other money books I review. Though Wilder includes behavioral finance and life planning concepts, this is a numbers book. It's like a textbook for personal finance. It isnt really a book for beginners. Its targeted at folks who are out of debt and building wealth. I suspect many people will find this book boring. But then, smart personal finance is boring. [my review] BDebt Is Slavery by Michael Mihalik (2007)Debt is Slavery is a deceptively simple book. Its short. Its advice seems basic. And its self-published, so how good can it be? Well, I think its great. In fact, I found myself wishing that I had written it. Mihaliks advice is spot-on, and he covers a lot of topics that other authors shy away from, such as the effects of advertising, the weight of possessions, and the soul-sucking misery that comes from a bad job. This book may be short, but its sweet. Especially great for recent graduates, I think. [my review] B+Overcoming Underearning by Barbara Stanny (2007)Overcoming Underearning isn't what I expected it to be. When I read the title, I expected a book about how to stretch your dollars and how get more from what you do earn. This book is about asking for more, creating more, and working your way through the psychological pitfalls that lead to being satisfied with less in the first place. But the book contains few actionable steps that will help you make more money or invest well. If you need a how-to book, keep looking. If you need to get started, or are started, but have hit a wall and you dont know why, this might be the book for you. [my review] C-The Secret by Rhonda Byrne (2006)The Secret is all about the so-called Law of Attraction, which is not actually a law of anything. The Law of Attraction states that your life is a result of the things you think about. From a psychological perspective, this notion has some merit. But this book offers no evidence of any kind: no scientific discussion, no experimentation only scattered cherry-picked anecdotes. Its the worst kind of pseudo-scientific baloney. And its money advice is actively harmful rather than helpful. [my review] FThe Millionaire Maker by Loral Langmeier (2006)The Millionaire Maker attempts to codify Langemeiers proprietary Wealth Cycle Process. She believes there are better places to put your money than in mutual funds. This book is a mixed bag. While it preaches what ought to be preached, and Langemeier provides more specifics than some authors, her message sounds hollow. There is some good information here, but theres stuff that raises red flags, too. [my review] D+Work Less, Live More: The Way to Semi-Retirement by Bob Clyatt (2005)For years, Work Less, Live More has been my go-to book for info about early retirement. I give away copies several times a year. I recommend it when replying to email. I refer to it myself when I have questions. I like this book because it strikes a balance between the high-level Big Picture stuff and the low-level nitty-gritty numbers crunching. (See also: Bob Clyatt's guest post here at GRS about his life since writing the book.) [my review] A All Your Worth: The Ultimate Lifetime Money Plan by Elizabeth Warren and Amelia Tyagi (2005)This book was written by the mother-daughter team of Elizabeth Warren and Amelia Warren Tyagi. (Warren is now a U.S. Senator from Massachusetts!) The authors dont get bogged down in the details of frugality and investing. Theyre more interested in changing behavior, in fixing the big stuff. They offer a framework around which the reader can build lasting financial success. The book's advice is solid, if sometimes flawed. To me, its lasting legacy is the introduction of the Balanced Money Formula (which some now call the 50-30-20 budget), a concept I promote extensively in my public speaking gigs. [my review] B- Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth by T. Harv Eker (2005)Many people would dismiss Secrets of the Millionaire Mind as useless. Theres not a lot of concrete information here about how to improve the details of your financial life. (Though the scant advice presented is sound). Instead, this book encourages readers to adopt mental attitudes that facilitate wealth. Its about changing your psychological approach to money, success, and happiness. (This book is the source of my money blueprint concept.) [my review] CMoney Without Matrimony: The Unmarried Couple's Guide to Financial Security by Sheryl Garrett and Debra Neiman (2005)As difficult as marriage and money can be, things are even tougher for unmarried couples, both gay and straight. Its difficult for these folks to get good advice in a society thats geared toward married couples. Money Without Matrimony is a great book with sound suggestions. Its non-judgmental, practical, and packed with advice. If youre in a committed unmarried relationship, I highly recommend you track down a copy. [my review] AThe Automatic Millionaire by David Bach (2005)David Bach is perhaps best known for coining the term the latte factor, a phrase that has almost become a joke in personal finance circles. Thats too bad, really, because Bach has some good ideas. And the latte factor is a marvelous concept, applicable to many people who casually spend their future a few dollars at a time. This book encourages readers to eliminate debt, to live frugally, and to pay themselves first. But the core of his book is unique: rather than develop will power and self-discipline, Bach says, why not bypass the human element altogether? Why not make your path to wealth automatic? [my review] C Luck Is No Accident: Making the Most of Happenstance in Your Life and Career by John D. Krumboltz and Al S. Levin (2004)Luck Is No Accident is a short book. Nothing in it is groundbreaking or revolutionary. Yet its common-sense wisdom is a powerful motivator. Whenever I read it, I cannot help but come away inspired, ready to make more of my situation, and to try new things. If youre the sort of person who wonders why good things only happen to other people, I encourage you to read it. [my review] B+The Random Walk Guide to Investing: Ten Rules for Financial Success by Burton Malkiel (2003)Malkiels advice can be stated in a few short sentences: Eliminate debt. Establish an emergency fund. Begin making regular investments to a diversified portfolio of index funds. Be patient. But the simplicity of his message does not detract from its value. If you want to invest but dont know where to start, pick up a copy of this book. [my review] A- The Bountiful Container by Rose Marie Nichols McGee and Maggie Stuckey (2002)The Bountiful Container beats most gardening books hands-down in several key areas. It focuses on growing plants that give a beginning gardener the most bang for the buck, plants that are both edible and decorative and can be grown with limited space. It is splendidly organized and easy to read, and has a great index, too. And the level of detail is just right for almost any skill level, and the writing is pleasant to read and easy to understand. [my ex-wife's review] B+The Four Pillars of Investing by William Bernstein (2002)In this book, Bernstein describes how to build a winning investment portfolio. He doesnt focus on the details he tries to explain fundamental concepts so that readers will be able to make smart investment decisions on their own. The Four Pillars of Investing is challenging in places, but it provides an excellent introduction to the theory, history, psychology, and business of investing. If youre able to finish, youll have a better grasp of investing than 99% of your peers. [my review] B Why We Buy: The Science of Shopping by Paco Underhill (2000)In this book, Paco Underhill an environmental psychologist describes what he learned through years of research into consumer behavior and retail marketing. Like it or not, youre manipulated all of the time while youre shopping, and in ways you dont even suspect. But by taking Underhills lessons for marketers and flipping them around, you can make yourself immune to marketers manipulations. (Well, maybe not immune, but less likely to succumb to their ploys, anyhow.) [my review] BWhy Smart People Make Big Money Mistakes (and How to Fix Them) by Gary Belsky and Thomas Gilovich (1999)In this short book, Belsky and Gilovich catalog a menagerie of mental mistakes that cause people to spend more than they should. What might have been a boring topic becomes fascinating thanks to an engaging style and plenty of anecdotes and examples. This book covers a couple dozen psychological barriers to wealth. [my review] B+ The Millionaire Next Door by Thomas Stanley and William Danko (1998)The Millionaire Next Door has earned its place in the canon of personal-finance literature. It's built on years of research, on a body of statistics and case studies. It doesnt make hollow promises. That said, the book is a flawed classic. It offers a fascinating portrait of the wealthy, but it buries this beneath mountains of detritus. The book is poorly organized, repetitive, and dull. (The section on car-buying seems to go on forever.) A patient reader will be rewarded with a glimpse at what it takes to become a millionaire, but I cant help but feel this book could have been something more. Warning: Avoid the audiobook, which suffers even more in the tedious sections. [my review] C+ Yes, You Can Achieve Financial Independence by James Stowers (1992)Yes, You Can Achieve Financial Independence is informative without being dense. Its accessible without being condescending. Its advice is solid. The book is filled with investment advice, but it gives equal time to thrift and savings. Best of all, it asks as many questions as it provides answers. It prompts the reader to think, to evaluate his priorities. Its message is that yes, you can achieve Financial Independence, but you cant get there overnight, and you cant get there without setting goals and making sacrifices. [my review] A-How to Retire Young by Edward M. Tauber (1989)How to Retire Young is one of the oldest books Ive found on the subject of early retirement. Taubers premise is that many people can retire early if they plan and remain dedicated to the plan. I wish I could say that this is a great book. Sadly, its not. Its good (dont get me wrong), but it suffers from being first. [my review] C-Cashing In on the American Dream: How to Retire at 35 by Paul Terhorst (1988)Cashing In on the American Dream is a seminal early retirement book and its advice was spot-on for 1988. But that strength is now its weakness. Some of the advice is thirty years out of date. If you dont need specific advice but are instead interested about theory (and story), then seek out this title. (The last half of the book is filled with stories from folks who made early retirement happen.) [my review] BHow to Get Out of Debt, Stay Out of Debt, and Live Prosperously by Jerrold Mundis (1988)How to Get Out of Debt is built on the principles of Debtors Anonymous, a twelve-step program founded in 1971 to help those who struggle with compulsive debt. Mundis was himself a debtor, and he based this book on his own experience. This isnt purely theoretical information from the mind of some Wall Street finance whiz who has never struggled; this book contains real tips and real stories from real people. [my review] A- You Can Negotiate Anything by Herb Cohen (1980)Whether you like it or not, your life is filled with negotiations. You negotiate your salary, for the price of a car, for the cost of a couch. You negotiate with your wife about where to spend your summer vacation, with your husband about what color to paint the babys bedroom, with your daughter about what time she should be home from the football game. Of all the books Ive recommended at Get Rich Slowly over the years, You Can Negotiate Anything is one of the best. [my review] A How to Get Rich and Stay Rich by Fred J. Young (1979)This book is built around a single principle: Spend less than you earn and invest the difference in something that you think will increase in value and make you rich. It reads like homespun advice from your favorite uncle. While theres plenty of good advice in these pages and lots of amusing anecdotes, theres very little polish. [my review] CThe Incredible Secret Money Machine by Don Lancaster (1978)Though the title smacks of get-rich-quick schemes, The Incredible Secret Money Machine is really about starting and running a small business. To Lancaster, a money machine is any venture that generates nickels. Nickels are small streams of revenue from individual customers. If your goal is simply to earn a comfortable income for yourself by doing something you love, then this book can help you explore the idea of business ownership. Its not going to help you launch the next Google or Microsoft, though. Lancaster is all about nickels, not about dollars. [my review] C+Hard Times: An Oral History of the Great Depression by Studs Terkel (1970)In 1970, writer Studs Terkel published Hard Times: An Oral History of the Great Depression, which features excerpts from over 100 interviews he conducted with those who lived through the 1930s. Terkel spoke with all sorts of people: old and young, rich and poor, famous and not-so-famous, liberal and conservative. The book is fascinating. Its one thing to read about the Great Depression in textbooks, or to hear it used as leverage in political speeches, but its another thing entirely to read the experiences of the people who lived through it. [my review] A- That's it! If you find any reviews I missed, let me know so that I can add them to this index. I consider this a living article. I plan to add to it with time. As I re-publish old reviews that are currently unpublished, I'll add them here. And as I write new reviews in the future, those will get added to the list too. Know of a money book that I should read and review? Drop a line to let me know! Shares 139 https://www.getrichslowly.org/money-books-index/
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