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#and if you have any opposing ideas about it or arent comfortable with the things they call you thats YOUR fault
wwwyzzerdd420 · 1 year
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I want to be heard but I don't want to be screamed at
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radarsteddybear · 5 months
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Questions for Fic Writers
Tagged by @rose-of-pollux. Thank you!
(I tag everyone and anyone who wants to do this!)
How many works do you have on AO3? 74
What's your total AO3 word count? 222,374 words
What fandoms do you write for? A lotta DuckTales (2017), a good deal of Hogan's Heroes, some Singin' in the Rain, and a smattering of other stuff. Though I'm not really writing DuckTales anymore (nor am I writing the smattering of other stuff).
What are your top 5 fics by kudos?
Ducktober 2017 (DuckTales 2017)
Numb (DuckTales 2017)
An Old Letter (DuckTales 2017)
A Phone Call and a Visit (DuckTales 2017)
It All Fades to Black (Encanto)
Do you respond to comments? Why or why not? I try to reply to comments left on AO3. Since you have to respond to reviews on ff.net via PM, I find it a lot harder to keep track of which I've responded to and which I haven't, so I usually don't anymore.
What's the fic you wrote with the angstiest ending? Most of my angst comes with a happy ending, and on top of that, I don't have the greatest perspective of how angsty my angst is, but I'm going to go with Exchange (Scrooge has to pay a price to get Lena back from Magica).
What's the fic you wrote with the happiest ending? Jeez, I don't know. Most of them have happy endings. The two that come to mind are:
Things My Heart Used to Know (Louie has discovered who he is and not only found his family but also put it back together again)
Ashes (Cosmo gets to live out his happily-ever-after with the two loves of his life, Don Lockwood and Kathy Seldon)
Do you get hate on fics? Not quite hate, but I have gotten complete non sequiturs, people who don't seem to understand that I like to write scenes over full stories, and a couple of arguments over my chosen characterization of a character in one specific story (which I stand by).
Do you write crossovers? What's the craziest one you've written? I've never written any, though that doesn't stop me from thinking about them. Lately I've been thinking about Captain Carter visiting the 4077th.
Have you ever had a fic stolen? Not that I know of.
Have you ever had a fic translated? No.
Have you ever co-written a fic before? The closest I've ever come to co-writing a fic was when @eggs-arent-real wrote me a one-shot and I wrote her a sequel. We didn't post it, though.
What's your all-time favorite ship? Probably Cosmo/Don/Kathy from Singin' in the Rain. I'm also partial to Stucky and Aziraphale/Crowley.
What's a WIP you want to finish, but doubt you ever will? Good question. I've not given up on any of these, mind you, but my Darkwing Duck plot bunnies may fall into this category; it's just that I have to rewatch a significant portion of the show to pull them off, and I have no idea when that's going to happen.
What are your writing strengths? Back in high school, I was told by multiple people that I was really good with imagery. I also tend to like my dialogue, and I've had a lot of practice writing whump and hurt/comfort scenes, so I'd like to think I'm pretty good at those, too.
What are your writing weaknesses? Coming up with full plots (as opposed to random, out-of-context scenes). And also endings. And getting characters from point A to point B without any/much dialogue.
Thoughts on writing dialogue in another language for a fic? If that's how a character speaks, then that's how a character speaks. Personally, I try to avoid it unless it's a canon piece of the character and/or it's plot relevant. I think I've only done it for Panchito and Jose of the Three Caballeros. And also Mark Beaks, who canonically peppers his speech with Spanish when talking to Fenton because he is awful.
First fandom you wrote for? Liberty's Kids. There's a good chance I still have it, too, though I'll never post it (I never finished it, anyway).
The first fandom I wrote for and posted was Iron Man: Armored Adventures, which is also the only fic I've ever deleted off the internet.
Favorite fic you've ever written? I've gotta go with these two:
Things My Heart Used to Know
“We’ll meet up in Duckburg,” he heard Scrooge say. “I’ve got a Bin there, and…” Another explosion, the biggest one yet, shook the Bin, and large chunks of plaster fell around them. “We have to go,” Donald said. Scrooge turned to Louie and pressed something small and solid and round into his hand. “Guard it well,” he told him before disappearing into the smoke. Or, Louie gives a new meaning to the nickname “Captain Lost.”
Ashes
Cosmo drinks his sorrows away after Kathy discovers that he and Don are more than just friends.
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lesbianklance · 3 years
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Okay, so, I haven’t fully figured things out yet, but I still wanted to thank you for something anyways! So, since I’ve read your genderfluid Lance headcanons, I’ve started to question my own gender, which was weird because I never thought I was anything else than female. But then I was like: damn, there were days though were I definitely didn’t myself as female, and didn’t want to use the she/her pronouns. I’ve finally decided to look more into the topic, and now I want to use she/her, and also they/them pronouns (I don’t fully know about he/him, but I’m not opposed to the idea of using them, I think, not sure yet). Honestly, I haven’t felt this comfortable in my own skin for a long time. So, I can’t thank you enough for indirectly helping me with that! I still haven’t figured things out 100% yet, but I feel a lot better. Anyways, you’re awesome, keep doing gods work, and thanks for so many things! <3
YOU ARE SO WELCOME!!!!
i am so proud of you honestly for figuring that out and im so glad i could help!!!
if you have any more questions i am always free to answer them no problem
you are so valid it's okay to question things even if they end up changing later on
also there arent specific pronouns you have to use to be genderfluid keep that in mind! even if you only used she/her you could still be genderfluid. use whatever feels right
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alternitavely · 4 years
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Werewolf idea? Chap 1
Shout-out to @kitkat-the-snacc for helping me out so much with this, they're amazing, so check them out!!
_______________
Of course it had to be the one thing he knew so little of how to control that malfunctions.
Edward Richtofen, alongside Nikolai Belinski, Takeo Masaki, and 'Tank' Dempsey had all wound up in somewhere deep in a dark forest, cold and fogged over.
The men look around confused, but none moreso than Richtofen himself who had intended that they arrive elsewhere, nowhere near a forest of this kind. He turns to face the other men, perturbed and a bit nervous.
"Gentlemen! It seems as though we have been transported to an area in which I had not intended, and I am afraid I do not know why."
Nikolai snapped his attention to the German.
"What do you mean, "don't know why"? Is it not you who holds the knowledge of Universe in your Kronorium?" He asked angrily, "Can you not just open another portal?"
"Yeah," Dempsey agreed, "what's the hold up Doc'?"
Edward huffs, irritably. "It is much more complicated than just opening and closing a door. These portals are openings through time and space. Hardly something to fiddle with when it doesn't work properly."
Takeo stepped forward as he surveyed the wooded area. "I fear if we stay to argue here, the light will leave us for the darkness soon." He said, watching the sun lower all to quickly." We need to find shelter from the dangers of the Forest."
Nikolai nodded." Yes, I agree with Takeo. Let us discuss later your incompetence, Richtofen."
The Doctor narrowed his eyes, but did not retaliate. They walked for a time, and eventually found an empty cave.
"Convenient.." Dempsey grumbles, looking for any signs of a wild animal, and finding nothing relevant to their safety.
Edward knew he would only worsen his already dwindling impression on the others, and decided to find food for the others in the forest.
"Are you sure you will be alright on your own, Doctor?" Takeo asked him, taking note of the quicky darkening terrain.
"I assure you that I will be fine Takeo. I will return when I have found something."
Nikolai grunted. "Take your time."
Edward huffed, and made his way into the forest. He walked into the forest for what felt like hours, until he found a lone stag. It was larger than any he had ever seen, and completely oblivious to the rifle he held pointed at his heart. Richtofen fires, and kills it with his rifle, but as he walks back, dragging the large animal slowly, he hears a growl.
A deep, low, threatening sound that makes his hair stand on end, and his body shake to its core. A wolf, larger and more monstrous that he had ever seen, comes out of it's spot in the darkness, hungry for a meal. Richtofen, thinking quickly, tries to back away slowly, posing no challenge to the beast. However, this was no ordinary canine, and it's intentions we're not on eating the fallen fauna, but the scarred man faking confidence before him.
Before Richtofen could do anything to defend himself, the Monster took him to the ground, and bit viciously into his shoulder, its front fangs reaching down to puncture the barely healed wound under his ribs.
He tried to call out, but was muffled by the beastly paw pushing down on his face. He flailed his arm attempting to locate his blade, clawing at the opposing force on his face, finally grabbing it it and frantically slashing at the animals side making it cry out in pain, and flee. Richtofen took a moment to steady himself, groaning loudly as he sad up to bandage his newfound wounds. After a while he managed to stand, and grab hold of the fallen Stags antlers once more, and continued to follow the smoke showing over the trees.
_______
Takeo was the first to notice that Richtofen was very obviously injured, but his question on the matter was drowned out by the other two men's outbursts of astonishment over that large animal he had brought back.
"How did weak man like you manage to move such a large animal, Richtofen?" Nikolai jested,
"Yeah, didn't know you could see past that huge ego far enough to shoot anything smaller than a naval ship!"
Dempsey joked.
Richtofen didn't have the strength to respond. He simply dropped the the deer's head to the ground, tossed his knife to the ground near Nikolai, and stumbled into the shelter, grimmacing
He sat for a while, trying to steady his breathing. His wound hurt incredibly so, he was exhausted, but he promised to be lookout. He was so focused on breathing, on ignoring the pain and staying awake, tht he didn't notice the others calling for him as he faced the wall of the cave.
Takeo decided to confront him directly, rather than have Richtofen just push off the issue like he very often did.
He approached the Doctor, setting a gentle hand on his shoulder.
"Richtofen?" He called, quietly. "Are you alright, Doctor?"
The German slowly came to, realizing that is the man had asked him something.
He blinked, taking a slow, shaky breath.
" I am sorry, Takeo. I am afraid I didn't hear you."
The warrior looked worried, but repeated himself nonetheless.
"I asked if you were alright, Doctor. You are injured, and look unwell. Are you sure you don't with to rest tonight instead of taking watch?"
The German winced, finally processing the weight on his injured shoulder. He gently removed the other man's hand and put up a false show of wellness.
"Surely you've been worse for wear? I was just hit by the Stäg before I managed to kill it, nothing the Doctor cannot handle!" He stood, stretching, but instantly regretting it. " I appreciate your concern Takeo, but I assure you, I am perfectly fine." His speech was strained, and he was obviously in pain, but he knew he wouldn't be able to make the doctor change his mind without force, so he let him be.
Takeo returned to the others, who had cut up the stag and were now cooking sizeable chunks of it. The skin was hung on a nearby tree, and the antlers were severed and set by the mouth of the cave.
Dempsey had hung strips of the animal over the billowing fire with a rather impressive contraption made of sturdy thin logs.
"So, the fuck is wrong with him?" Dempsey grunted,
He had been peeved that the German had fucked up whatever their mission was supposed to be, but he had calmed down when he realized that there weren't any maggot bags to be seen. Yet.
He had been worried, however, when said German came back looking worse than he'd ever seen him. He looked ready to collapse at the sound of the bell.
"He is badly injured, but he insists he is fine." Takeo replied, looking worried himself. "He is still determined to take watch tonight, though I suspect he won't be able to stay alert enough to preform the task successfully. One of us should stay out with him."
Nikolai huffed. "Let him sit out alone, why should we Care tht he doesn't want to care for himself? He certainly hasn't shown his care for us. And he obviously doesn't know what he's doing, leading us to a place mistakingly, and not telling us of his supposed "plan?"" The Russian vented.
He continued on, clearly unforgiving to their German associate.
The other men looked at him, then to each other. Nikolai would obviously not be staying out with Richtofen tonight.
"I can stay with him, Tak'. You and Nik' just rest for tonight, ok?" Dempsey offered, quietly as not to let their Russian comrade hear.
"If you are sure, Dempsey. Thank you, my Friend." Takeo accepted, greatful for the chance to rest and think over what had been happening for the past few months.
Soon enough, two men went into the shelter to rest while Richtofen exited, avoiding the Russian man's gaze. He knew that he had only worsened his relationship with the larger man, and didn't wish to start an argument over the residing issue. He didn't have the strength.
Dempsey left to stay with the German after a bit, seeing him sitting on a log near the pit they had dug, holding the antlers if the Stag he killed.
"Is that what got you hurt?" The Marine questioned the Doctor, dropping onto the adjacent log.
"What?"
"The antler's, from the deer." He repeated,"Did it hit you? I'd that why you look like you were just run over by a trash compactor?"
The doctor looked back at the antlers. "Ah." He said, sounding distracted. "yes, I'm afraid I became... Distracted."
The Marine laughed. "Must have been something out of a nightmare to have distracted you from I giant deer charging at you, HaHa!"
The German chuckled, a dry and humorless sound.
"How right you are, Dempsey.." He said under his breath.
Tank had failed to hear what his teammate had said, but his did notice the lack of resort from the usually quick-to-resort German.
"You sure you don't need to lay down, Doc? God knows you could use some beauty sleep." Demsey said to him, worry evident in his voice.
The Doctor looked to him, a small smile playing on his tired face.
"Ha-Ha Dempsey, very funny."
The German laughed quietly.
"I fear sleeping anywhere near Nikolai may end in my throat being slit. I wish I could explain to you what I must put you all through this, but I cannot." He said, voice heavy with exhaust.
"Well what's stopping you?" The Marine prodded, hopping to gain a bit .ore information, but also wanting to learn more about the other man.
Richtofen faltered, and slowly rocked in his place, trying to find an explanation.
"I cannot.. explain it.. there are things you would misunderstand, and some you wouldn't understand at all. This is not me saying you arent intelligent, just uninformed."
The American took a second to think about what the Doctor told him, and decided to not press any further.
"Are you alright? You're breathing a little hard there." He tried, seeing as the other's rocking hadn't ceased.
"I am fine." The doctor said, shaky and quiet. He nearly jumped out of his skin when a large, comforting and warm had gripped gently on his upper arm.
"You're hiding something Doc, you aren't alright. What really happened when you went out earlier?"
Richtofen looked at the other, desperate for comfort, wanting to break and tell the other everything, what had happened, the strange twist in his gut when he looked at the moon.
But he resisted, shutting his eyes tight and taking a deep breath, calming himself. "I am sorry, Dempsey, but I will not push my own issues upon you when. You have your own to deal with. Thank you, for talking with me, but u think I'd like to rest now."
The Devil dog seemed disappointed in his response, but said nothing in protest.
"Why don't you sleep here? You said you don't feel safe with Nik', and I'll be finishing watch tonight, so I can make sure you're safe."
The German deemed flattered. "You wouldn't mind too terribly, would you?"
Dempsey grunted, "I'm the one offering, Doc."
Edward chuckled, and nodded. He layed down before the log, far enough from the now dying fire to be comfortable, and tried his best to ignore his worry over the shifting of muscle around his newest injury, and sleep.
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rosepetalmark · 5 years
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Not in the Stars
2.5k words
Renjun x Reader
warnings: alcohol mention
in which you plan to confess your love for your best friend to him at a party, but the universe has other plans in store for the both of you. 
You like Renjun. A lot. 
That was one sentence in your five years of friendship with Huang Renjun that you never thought you’d say to yourself, let alone admit to. 
You don’t know where these feelings came from, but all you know is that they’re strong and on your mind twenty four seven. Everything he says and does captivates your mind, causing your feelings for him to grow even stronger.
It’s as if these feelings for him suddenly hit you like a brick one day. You were strictly best friends last week, and now you have these unexplainable deep feelings for him, eating you alive and begging for you to confess to him.
It’s not that you’re opposed to dating Renjun, it’s just that he’s been your best friend for several years and he means so incredibly much to you. You just don’t want to risk losing him or making things between you two weird if he doesn’t feel the same. 
So you suppress your feelings. As long as you have Renjun as your best friend, that’s all that matters, right?
Jaemin always makes you second guess yourself, explaining that the dynamic duo that you and Renjun are would be ten times more incredible if you were dating. Since you’re already best friends and know everything about each other, why not date? Only bigger and better things can come from it he always says.
Although Jaemin makes strong points, you’re still scared Renjun will turn you away, mainly because you’re ninety nine percent certain that he only views you as a friend, nothing more and nothing less. 
Yeah you have sleepovers  and spend hours late at night talking on the phone with one another, but that’s what best friends do. If Huang Renjun has any feelings for you, you’re sure someone would have said something by now. 
You get the typical stares from old people when you make your daily trek to school in the morning, him waiting outside your house for you at exactly seven forty two, smiling so bright the second you walk out your front door.  
You constantly get mistaken as his girlfriend whenever you go out together on the weekend, which always causes a deep pink blush to appear on Renjun’s cheeks. He’s always quick to brush it off though, making it clear to everyone around you that you’re strictly best friends, and that neither of you view each other in that way. 
Boy is he wrong.
Everything about Renjun makes your heart flutter, and that’s something that scares you.
For starters, he excels so well in school. For someone who spends eighty percent of his time doodling instead of taking notes, he aces every test and can recite every piece of information that’s been discussed in class with no problem.
He’s caring and funny, and so unapologetically himself. He takes you to art museums on your spare time, talks about the latest conspiracy that’s on his mind, and always insists you go for milkshakes every Sunday night.
And boy was he cute. The way he tilts his head all the way back and crinkles his eyes when he laughs makes your heart absolutely melt.
Huang Renjun makes you happy and positive and there’s nothing more in this world that you want than to hold his hand and kiss him in public, as well as call him your boyfriend so bad. 
It wasn’t until you were out late with him, hanging out on the roof at Jeno’s house, trying to escape the loudness that was coming from inside. Jeno was throwing a kickback to celebrate the beginning of summer, something he does ever year, in which there’s always too many people inside, and you and Renjun find yourself on the roof trying to seek solace in the stars. 
Renjun looked so ethereal in the moonlight. There was nothing more that you wanted to do than press your lips ever so gently against his, and hold his hand while staring up at the stars displayed so brightly above you both in the dark sky. 
“What are you thinking about bubs?” Renjun asked, referring to the nickname he gave you when he found out that’s the name you gave your favourite stuffed rabbit when you were a child. 
God the way his voice sounded in this moment made you weak. The tipsiness you both experienced earlier was wearing off, causing your lack of hydration to become present through your raspy voices. 
But you don’t care. You’re with Renjun, and you are warm and comfortable and in love. 
In love. 
You’re in love with Huang Renjun and you can’t keep it in any longer.
Maybe this would be the best time to tell him. Every time you’re completely sober, you push the idea to the side, trying your best to forget your feelings for him even exist. What if Jun doesn’t feel the same? What if he does but months down the line you figure out you’re better off as friends, and then when you try to get back into your non-romantic routine, everything feels off? You always worry that things will go wrong and Renjun will eventually stop being your friend.
Not tonight though. Renjun looks gorgeous in the moonlight and the little bit of alcohol that remains in your system is acting as your source of encouragement, convincing you to confess to him right now and hope for the best outcome possible. 
“Love,” you reply nonchalantly. 
“Love?” he questions, staring back to you, seemingly surprised with your response. 
“Yeah. Just wondering what the universe has in store for me, you know?” you ask, turning your body to face his direction, criss crossing your legs over one another. “The idea of love both intrigues me and freaks me out. It’s exciting anticipating what will come from it, but the fear of something going wrong down the line makes me not want to pursue it, you know?” you say, staring innocently into his eyes.
He cocks his head, an intrigued look falling on his face. He purses his lips, looking as if he’s going to say something, but remains silent. 
You both remain in silence for the next several minutes, which causes your thoughts to wander. What if Renjun has caught on? Maybe he’s thinking of ways to turn you down gently. Or he’s trying to express that he somehow knows you’re talking about him, and he’s trying to do so in a similar manner. 
But the silence is killing you, and you want nothing more than for Renjun to say something. Anything to get your thoughts to shut up, and your heart race to stop rapidly beating.
“I think you shouldn’t be scared of love,” he finally says. 
Taking a deep breath, he looks off into the sky, admiring the many stars laying millions of miles away from you both. “I get that you never know what may come out of it, but I think it’s worth a shot to know you tried, and to experience something you’re not fully sure is going to work,”  he speaks softly.
“Take a look at the universe for example. It’s so big and undiscovered, yet millions of people are fascinated by it. We’re obsessed with the stars and galaxies and the possibility of aliens- which I know for a fact exist by the way, yet we’re not afraid to spend our time discovering them and giving them our attention. I think of love in a similar manner. Yeah the thought seems so broad and scary, as there’s so many things to experience and discover, but I think it’s worth it. You’re only going to learn new things about yourself and life, so why not give it a shot?”
He clears his throat, and pays his attention back to you. He has a look of determination in his eyes, and that only makes you grow even more anxious.
“Aren’t you a wise expert on love, Mr. Huang,” you chuckle.
“Well what can I say? I do a lot of thinking on my spare time when I’m not bickering with you,” he laughs, positioning himself on his arms so he can get a better view of the night sky.
“Hey!” you shout, pushing onto his arm, causing him to lose his newly comfortable position and to fall on his back. “What are you thinking about Ren? You have this sour look on your face.”
“Well your idea of love got me thinking,” he says softly, staring into your eyes.
Nervousness takes over your body. You have no idea what he’s going to say, and every second of silence is eating you up.
“And?” you say abruptly, eager to know what he’s about to say. 
“I’ve been thinking about this for a while now, and I don’t know, I never thought much of it because I’m a wimp, but I think I’m going to ask Yeri out” he confesses, a small smile forming on his face. 
The mention of Yeri makes your heart sink. Yeri. He wants to ask out Yeri. Not you. 
Of course he likes Yeri. What isn’t there to like about her? She’s really pretty and polite, and they’re both the editors of the school newspaper, so they spend a great amount of time with each other. 
God this hurt. 
“Oh really,” you respond, with a less enthusiastic tone replacing your prior happy one.
“Yeah. We’ve been getting to know each other a lot more ever since we got asked to do this editorial on the basketball team, and I think I may have feelings for her”
“Well, um I think you should go for it Renjun, “ you reply, looking off into the stars to help keep what’s happening off your mind. If you look into his eyes, you’re certain you’ll start crying.
If it’s not you, you’re glad he has an interest in a girl with a golden heart and personality. 
“You think? What if she doesn’t like me?” he asks nervously, fiddling with the rings on his fingers.
“Like you said Ren, you never know what will come from love. Why not give it a shot if it’ll lead to potentially greater things not only within yourselves, but life in general? And if she ends up only seeing you as a friend, it’s okay. You’ll find someone one day who loves every part of you.”
And you can’t help but know deep down that that person is you. If Yeri rejects him, you’ll be right here to help him pick up the pieces, if not, you’ll still be here. As his best friend. Renjun deserves all the love and happiness the universe has to offer him, and despite being sad he shows no romantic interest in you, you’re glad he finds it in an amazing girl. 
“Alright cool, I guess I’ll ask her out on Monday when we meet up to discuss the paper then.” he says, smiling to himself. 
He looks so happy. Ecstatic even. You haven’t seen him smile this big since he won first place in your school’s art show.
“She’s here you know, at the party,” you say to him. “You should do it now.”
“You think?” he asks, eyes wide. 
Renjun was never one to act on impulse. He’s a man with a plan, and always has to do things by the book or else he’ll lose his hair. He likes structure and time, a complete flip from your bold and impulsive self. 
“Yeah, why not? You’re both here, you look really cute right now, and the stars are out in your favour, shining bright to provide you with the courage to do so.” 
This makes Renjun smile. You’ve always been a help in boosting his confidence, and you’re glad to be of assistance in such a nerve-wracking yet exciting period in his life. 
Standing up, he dusts the possible dirt off his legs. He crouches over, looking into your eyes and grabs your hand. “You’re the best y/n. I don’t know what I’d do without you.”
“As I with you,” you reply, a soft grin forming from your lips. “Now go downstairs and ask her out before she leaves.”
Standing back up, he begins walking to the door. “I’ll let you know how it goes!” he half shouts, pressing his hand to the door handle,  and making his way back into the house. 
You’re now left alone, on the rooftop, with just the stars and your thoughts. 
Why didn’t you bring up your feelings to him sooner, you thought. Now you’re only left sad and alone, because you were too scared to tell your best friend you’re in love with him. Confessing to him seemed so perfect in your mind a couple minutes ago, but sadly the universe has other plans in store for you. 
You decide to get comfortable and lie down, and begin to look at the constellations that are possibly present within the night sky. You can still hear the loud, most likely drunk people just a floor below you, and the vibration of the music hitting your body despite being away from the noise. But you don’t care. It’s just you and the sky, and you’re doing everything in your power to forget about the party below you, and to focus on the stars. 
As you point out the orion in the sky, you feel a buzz in your back pocket, indicating that you’ve got a text. Reaching for it, you unlock your phone, and see a notification stating that Renjun messaged you. Pressing on the messages app, you click on his name and read the following:
jun bug: she said yes!! we’re going out on tueday after we’re done editing :) (2:17 AM)
“Yes.” Yeri said yes. 
You’re happy for your best friend, but for yourself, you’re heartbroken. The possibility of dating him is now slim to none, especially since a potential girlfriend is in the mix, only making you more sad for yourself. 
You make sure to reply quick, and in a way that’ll make him happy, and hopefully provide you with the positivity that everything will be okay.
y/n: i’m so happy for you ren <3 (2:18 AM)
As you press send, you feel the tears start to slide down your cheeks. You’re happy for him, you really are, but you can’t help but wish that things went differently, and that you were in Yeri’s position. 
But as Renjun said before, love can be scary. It’s a learning experience, and if it doesn’t work out, you just need to take what you can from it, and hope for the best in the future. 
So you’ll take his words, and you’ll try your best to move on. 
It’ll be tough, but you hope to god that one day he’ll just be your best friend, and that this heartbreak won’t last with you forever. 
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Welcome to the Kaisoo Anti Blacklist F.A.Q! In this post I will answer the most popular questions about this blog and how it will function. Please read the information below before sending me any asks. If you have read the following in its entirety and have any additional questions feel free to send me a dm or an ask and I will be happy to answer them! ^.^
Q:What is the main goal/purpose of this blog? The purpose of this blog is to protect both new and old Kaisoo shippers and supporters on tumblr from bullying and harassment as well as weed out all the fake kaisoo supporters. A lot of times those who ship kaisoo endure various forms of harrassment which makes it difficult to enjoy and support kaisoo peacefully. By compiling toxic antis into one database, it makes it easier to decide who to avoid/block.
Q: What is a 'Kaisoo Anti'? A Kaisoo anti is a person who: -Is against the idea of shipping/supporting Kaisoo   -Mocks, bullies and harasses those that do -Uses kaisoo for their own popularity but does not actually support/like them and/or the shippers, i.e a “Fake shipper” A lot of times they are seen telling supporters to "stop fetishing gay couples" and assume that most shippers and supporters are "fetishizing two men" "delusional" or straight white b*tches". They target only kaisoo supporters and shippers, regardless of all the other pairings that exist in Kpop. Q: What is a fake shipper? A fake shipper is someone who appears to like/support kaisoo but says rude things to/about shippers and/or about Jongin and/or Kyungsoo themselves. Many times these people gif kaisoo, write fanfics with kaisoo as the main pairing and create kaisoo fanart, but when asked if they ship kaisoo they say "Yeah, but Im not delulu like other shippers". In other situations the person is an anti of either Jongin, Kyungsoo, or both, yet still appears to "ship" kaisoo.
Q: What do you consider to be bullying/harrassment? If you are receiving unwarranted abuse from an Anti because you ship/support Kaisoo, that is bullying and harassment. It includes (but is not limited to): -Using threatening language (i.e. "Go choke", "Die" "kill yourself" "I want to kill all shippers" etc.) -Using ableist language (i.e. "Youre dumb" "You all are idiots" "Retards") -Using racist language (i.e. "white b*tch" "Black kaisoo shippers r in the sunken place") -Insults (i.e "youre so gross" "disgusting" "trash" "b*tch") -Mockery and the use of copypasta with kaisoo related posts -False accusations of fetishization And so on. These are the most common forms of bullying among antis. Bullying comes in many different forms but this is just a general idea of what I consider to fit the definition. Q: I have some receipts Id like to submit, but I want to remain anonymous. Is that possible? Yes! All kaisoo supporters who send receipts, whether the bullying was directed toward they themselves or another kaisoo supporter, will remain anonymous. The only names that will be shown are those doing the bullying/harassing. Keep in mind that, with the intuitiveness of those on the internet, it still may be possible for your identity to be revealed if, for example, someone were to figure out it was a certain user partaking in discourse. If this is to happen, just know that my blog would not be behind this. All identities are guaranteed to remain anonymous, minus those of the antis. ^.^ Q: I have some receipts Id like to submit, but I DONT want to be anonymous. While the bravery is noble, unfortunately I will refuse your request to not be anonymous. This is a space created to protect shippers and supporters and help them to feel like they can enjoy kaisoo happily. If you would rather have your identity revealed I encourage you to take matters into your own hands and message your bully directly. :) Q: The person I want to submit is not a tumblr user, but are well known among kaisoo shippers for being an anti/fake shipper. Can I still submit their name? Weeding out antis mainly on tumblr is what I'd like to focus on, but feel free to submit names of other well known antis and they could still be posted depending on the circumstances. Q: When will my submission be posted? Will I be personally notified? Because I am running this blog alone and need time to look through receipts and confirm information, submissions will be posted every Tuesday and Thursday. Due to the large amounts that may be received, personal notification will not be possible. Please continue to check the blog to see if your submission has been posted! Q: I submitted receipts about someone a while ago, and they were never posted. Why? Before submitting, always be sure to check that your receipts fall within the "Submission Guidelines". It is important that there is clear and true evidence of bullying, harrassment or means of fake shipping. Read the submission guidlines here. Q: I dont have receipts about this particular person but know from past experience that they are an anti. Can I still submit their name? Feel free to still submit their name! I can always do research and if I find clear evidence of them being an anti  they will be posted to the blog. Q: I am being bullied/harassed by a fellow kaisoo supporter. What should I do? As long as you are also a kaisoo supporter and your submission falls within the guidelines, send away! Q: How do I know I can trust you enough to keep me anonymous? I am also a Kaisoo supporter that has endured lots of bullying and harassment as well as seeing it from others, so I would never want a fellow supporter to have to go through this. I am all about protecting everyone and weeding out these abusive people who have nothing better to do. But if this is not means enough to trust me, feel free to use the Anonymous asks instead and they will be published this way. Keep in mind that evidence is needed before posting someone as an anti on the blog, and usually that evidence can be sent a lot easier through messaging rather than asks, but because I want all supporters to feel comfortable with me, I will allow asks as well. :) Q: Isnt it a bit hypocritical to call out all these people on a dummy blog? Why not reveal your identity? The reason that I am staying anonymous is because I need to be able to go back and look at the evidence of bullying and harassment myself to confirm it and share it on this blog. Most antis response to this blog will be to block me from seeing what they post, and if I reveal my personal blog (and my third invisible blog) then I will have no way of confirming what is truly going on. This is also why being sure that your receipts fall in line with the guidelines is also crucial. In the event that antis have blocked me from all 3 blogs, I will have only your receipts to go off of. Of course I trust my fellow supporters, but as someone trying to do the right thing I must always make sure Ive got a the facts/proof. Q:This is a website where anyone can post what they want. Why make a page like this when supporters can just block antis? Supporters can indeed block the antis as they come to them. But by compiling a list of all of the most common antis into one place like this, it helps older and newer kaisoo supporters know who to block before the bullying begins. Think of it as staying one step ahead. Q: Arent you worried about this creating more drama and starting a war? This seems so unnecessary...its just shipping! It may create drama with me and the antis themselves but Im sure that most shippers/supporters just want to be able to go in the tag and talk about Kaisoo in peace. I feel that this is long over-due, however I will reconsider keeping the blog if the majority of supporters oppose to it. Q: Some of the people featured here are well known artists/fanfic writers. Their reputation is ruined! Keep in mind that if they are featured on this blog it means that they were harassing or bullying someone solely for shipping/supporting kaisoo, or that they are a fake shipper/supporter. I did not ruin their reputation, they did. Q: I feel that my name should not be on the blog and that there was a misunderstanding. I want it removed! Sometimes intentions are lost or misinterpreted. If you feel that you are on this blog in error, feel free to send me a DM and we can discuss it. If you can supply solid and clear proof that you werent bullying/harassing a supporter or that you arent a fake supporter, your name will be removed immediately. Q: I support/ship a different couple and am being bullied/harassed for it. Am I able to submit receipts? While I have nothing against other ships and understand that other pairings come with antis as well, I mainly want to focus on Kaisoo related antis as I myself support Kaisoo and considering how kaisoo supporters receive the largest amount of hate and bullying. -----> I hope that I have answered most of the questions you all have about this blog! If you have additional questions or concerns, feel free to drop a private message to me anytime. :) -Admin X
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tumblunni · 7 years
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MISCELLANEOUS VOLTORB HEADCANONS TIME!
* I’m not sure what I like better, the idea that voltorbs do have a mouth or the idea that they just absorb nutrients through their skin somehow? Like... maybe they have a very small mouth too small for humans to see, so they take little pinprick sized nibbles out of stuff! or maybe the seam between the red and white sections actually is their jaw, so they pop open on a hinge like a pokeball to eat stuff! And maybe electrode does that too and their humanoid mouth is actually just a camoflage pattern on their skin that they can move around like an LED projection!
* Oh, or maybe they’re like the opposite of some butterflies that lose their mouth when they come out of the cocoon and never eat anything cos they only live for a week or so in their adult stage. So maybe voltorbs never eat, and they can die if they don’t evolve before the end of a set time limit, unless humans intervene and put them on an intraveneous drip. (Which is a quite difficult and expensive operation cos you have to pierce this magical steel hide to get to the circulatory system) Or maybe its just that voltorbs only absorb electricity and dont require actual food until they grow to a certain size? And that means that voltorbs naturally evolve much earlier in the wild, because electricity is harder to find unless you live with humans. As soon as their body becomes impossible to sustain on voltage alone, they undergo the metamorphosis to grow a face and stomach and become a biological engine! So human-trained electrodes kinda have the advantage of starting off stronger cos they waited until they were already mature before evolving. But wild electrodes have the advantage of accessing their evolved power earlier, even if they’re lil bitesize euivelants. Plus sometimes just remaining voltorb-sized can be more practical for getting around certain environments, the massive human-trained electrodes are adapted for a comfortable life where they won’t need to do much hiding from predators.
* Oh and... yeah. Predators! I feel like maybe they’re vampirized by other electric types, since they’re pretty much like a sentient battery just sitting there up for grabs. Maybe particularly big stuff like Electavire could even crunch an entire voltorb in its jaws, and thats why it evolved to have more steel-ish elements to it, so it could pull this off? but for most electric mons they arent able to break voltorb’s hard shell, so they can just drain its power but not kill it. But if a voltorb is stuck unable to move its basically a slow death anyway... Possibly their most common enemy is Pikachu, cos they’re speedy while voltorbs are slow. And thats why they mimic pokeballs, cos pikachus dont like to be inside their ball. (Well, in anime canon at least)
* Maybe they have such a hyperactive self-destruct reflex because they’re so commonly eaten, then? Even when you capture a voltorb its still a very anxious critter who doesnt really realize its gonna be safe, and that pokemon battles arent life or death. So its heartwarming that fully-grown electrodes are known for their more chilled and happy demeanor! (Maybe the wild variant of the breed would keep voltorb’s angry face?) So they’re like real life exotic pets like snakes and scorpions, their easily-frightened nature is mistaken for deliberate malice by humans.
* Perhaps there are variants whose patterns reflect the different pokeball types, depending on which is more popular in different regions? Normal pokeballs are obviously the most common discarded ones in the majority of the world, but like in victory road you would find mostly ultra ball voltorbs.
* oh and I totally headcanon that voltorbs really ARE pokeballs that come to life! I think maybe they ‘breed’ asexually by nursing a nest of regular pokeballs that will hatch into new voltorbs. Basically they go around nuzzling broken pokeballs as if they’re poor injured children, and through the power of love they actually become that.  Like somehow they can pass fragments of their ‘life energy’ into new hosts? Theyre more like sentient electricity monsters that just wear the pokeballs as a shell to protect them. Maybe them and Rotom diverged from a single ancestor in the ancient past...? So the more rare pokeball variants dont occur in the wild, they’re selectrively bred by humans. Usually an electrode will make a nest from the same pokeball that it was born from as a voltorb, unless they cant find any. But deliberately depriving them of pokeballs and forcing them to imprint on a luxury ball or whatever is considered cruel, the parent gets incredibly stressed from the ordeal and may have trouble bonding with their newborn 'torbs. However electrodes have also been known to pick a pokeball that one of its fellow party members uses, it seems this is a form of honor amoung them. (You’re the godfather, oddish!) Oh and probably the earliest voltorbs could have been seen as an entirely different species. An electric/grass type that possessed apricorns before pokeballs were invented. Nowadays pokeballs are so common that very few voltorbs ever possess apricorns. Barely anyone even actually grows apricorns anymore, aside from some speciality pokeball shops in johto. (Maybe an ancient forme voltorb could be Kurt’s mascot?)
* Scientists have theorized that some other species of ‘inanimate object’ pokemon might also share roots in the voltorb genus. The tangeantally similar kantonian pokemon Magnemite is considered a prime candidate for this, some people have made petitions to recategorize it as a ‘voltorb-eating voltorb’. (Similar to assassin spiders in real life, which really do look like an entirely different animal. Theyre the only spider that has A NECK!) After all, the pokedex in some generations does mention that electrode is capable of flying when it absorbs enough energy!
* An electrode can theoretically keep growing forever, the largest recorded specemin was a 58-year old pet that reached the height of a van. It’s thought that as human technology continues to advance, electric pokemon will continue to adapt in this way, and we’ll continue to discover facts about them that would never come to light in the wild. The largest recorded wild specemins were exclusively found in abandoned power plants and other sources of human junk.
* Wild voltorbs and electrodes are usually quite sedentary, but become hyperactive on days with stormy weather. Local packs will congregate to chase the thunderbolts, almost like a festival! However if they get too gluttonous they might self destruct from the excitement, and have a ‘hangover’ the next day.
* Voltorb explosions do no damage to the pokemon, aside from putting them to ‘sleep’ for several hours as they regenerate. The explosion is vented through tiny cracks in their steel shell, which also ensures that if it’s powerful enough to dislodge any parts they will shatter into precise shapes for easy reassembly. A disassembled voltorb resembles a giant 3D puzzle, its incredible how the seams of these pieces are completely invisible when it’s fully formed! Internal magnetism draws these broken pieces back to the core as the fainted pokemon sleeps, and in the morning it goes searching for metal to eat to repair any dents. A voltorb can recover from using Explosion as long as at least 50% of its shell can be reattatched to the core within 24 hours. If the pieces flew too far to be recalled or were eaten by predators, human conservationists can save the injured pokemon by attatching sheet metal over the wounds. Over time, this will be absorbed into the voltorb’s body and leave it with mismatched patterns.
* VOLTORBS AND ELECTRODES ARE VERY NICE AND CUTE OKAY this is an important fact
* No but seriously I always saw them as kind of a super smart pokemon? i dunno why, except cos scientist trainers always use them. But I feel like they’d be the closest thing to parrots aside from Chatot and telepathic mons. They’re very good at mimicking human noises and can be trained to do many useful tricks! As opposed to chatot which pretty much can only talk and never listens to its trainer XD
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Clinton vs. Trump vs. your money: A personal-finance guide to the debate
New Post has been published on https://financeguideto.com/must-see/clinton-vs-trump-vs-your-money-a-personal-finance-guide-to-the-debate/
Clinton vs. Trump vs. your money: A personal-finance guide to the debate
KANSAS CITY, MO – SEPTEMBER 25: Kansas City Chiefs fans wear Hillary Clinton and Donald Trump masks during the game bethween the Chiefs and the New York Jets at Arrowhead Stadium on September 25, 2016 in Kansas City, Missouri. (Photo by Jamie Squire/Getty Images)
Image: Getty Images
Listen closely tonight. It’s your money and your life.
At 9 p.m. ET, in the first presidential debate of the season, Hillary Clinton and Donald Trump will be pressed, to a degree, for details of their various proposals. Jobs, wages, taxes, student debt, child care, Social Security … any or all of these could come up. And many of the vows, threats, visions, and hallucinations flying around the studio will eventually settlein the dustbin of history.
But some of these things will actually happen, in one form or another, so it’s a good idea to watch the proceedingswith an eye, and ear, to your personal finances.Where do the candidates stick to their stated policies, and where do they diverge, or contradict themselves on issues that could affect you financially? What are they saying, and signaling? And whatcan you do about it?
Here, then, is your personal-finance cheat sheet for the debate. At the very least, you’ll come away from the back-and-forth with a clearer sense of its potential impact on you, your working life, and your retirement.
Jobs and wages
Clinton
The Democratic candidate vows to narrow the income gap. Her campaign promises “the largest investment in good-paying jobs since World War II,” including a $275 billion plan to rebuild U.S. infrastructure, the creation of jobs in alternative energy, and support for small manufacturers and startups.
Clinton would pursue “smarter, fairer, tougher trade policies that put U.S. job creation first,” work with organizedlabor, gradually raise the minimum wage from $7.25 to $12 an hour, and supportefforts by cities and states to raise that minimum further, citing the “Fight for $15.”
Trump
Trump also talks of raising the standard of living and says his policies will make America “the best place in the world to get a job” but stressesgetting out of the way of economic growth. That means rolling backregulations on energy and other industries, reworking trade agreements that “create a smaller economy for everyone,”overhauling the tax code, andraising barriers to immigration.
Trump wants tospend more than$500 billionon infrastructure. He has said the minimum wage should be up to the statesbut has also talked about a $10-an-hour federal floor.
You and your money
Raising the minimum wage couldcost us jobs, some argue.The Congressional Budget Office, in a2014 analysis, notedthat “business owners would see reductions in real (inflation-adjusted) income, as would consumers, who would face higher prices as a result of the minimum-wage increase.”
The article “Minimum Wage Mythbusters,”on the U.S. Department of Labor’s website, says raising the minimum has”little to no effect on employment as shown in independent studies from economists across the country,” citing research showing that “higher wages sharply reduce turnover which can reduce employment and training costs.”
Moody’s Analytics concluded ina macroeconomic analysis(pdf) of Clinton’s economic proposals that the “negative employment affect” of a higher minimum wage would be modest, since the floor would be phased in over five years.
Whether or not you are directly affected by the minimum wage, its role in the economy and the candidates’ broader prescriptions for wage and job growth have implications for your working life and your retirement.
What you can do
Guard against lifestyle inflation that can easilycreep into your spending. Tamping itdown early on, to add to your savings, can pay off handsomely in the long term, since most big raises come earlier in your career.
Gains slow in your40s and 50s, and in your 50s income growth, adjusted for inflation,generallyturns negative, according to financial planner Michael Kitces. With less earning power ahead of you and your options to deal with savings shortfalls narrowing, you may have to make painful spending cuts or reduce your expectations for retirement.So if economic growth picks up, and with it your pay, try to keep your spending the same.
Kitces suggests setting a lifestyle spending targethow much you want to beableto spend per year in retirementrather than framing it as saving 10 percent or 20 percent of current income. Because he aims to save the equivalent of his annual spending times 30, he looks at everything he thinks about buying as costing 30times as much as it does.
Social Security
Clinton
Clinton would seek tomodestly expandSocial Security, increasing benefits for widowsand giving credits to workers who take a job leave to care for family members. To raise funds for the program, she would increasethe level of annual wages subject to payroll taxes; in 2016, wages arent taxed after $118,500.
According to a 2014 analysis(pdf) by the Center for Economic &Policy Research, the wealthiest6.1 percent of workers would pay more if the cap were removed.Clinton opposes reducing cost-of-living adjustments toSocial Security benefits, attempts at privatization,an increase in the retirement age, and any attempts “to close the long-term shortfall on the backs of the middle class.”
She has vowed to oppose any Republican plans to privatize or phase out Medicare as we know it and has said she would work to drive down drug prescription costs.
Trump
Trumptweeted in May of last year that he was “the first & only potential GOP candidate to state there will be no cuts to Social Security, Medicare & Medicaid.”
Growth from implementation of his economic policies would shore up our entitlement plans for the time being, he has said.Yet hehas also noted that as our demography changes, a prudent administration would begin to examine what changes might be necessary for future generations.”
You and your money
With defined-benefit pension plans fast receding and many workers without defined-contribution plans such as 401(k)s, Social Security income is more important than ever for more peopleeven as it isn’t nearly enough for most of us to realize our retirement plans.
Clintons plan for payroll taxes would mean a pay cut for anyone making over $118,500; right now, anyone making $237,000 a year, or twice the cap, stopped paying payroll taxes onearnings onJuly 1.
But if changes aren’t made to shore up the program’s finances before 2034, automatic reductions in benefits will kick in, with claimants getting just75 percent or so of their scheduledbenefits.
What you can do
Regardless of how the Social Security program evolves, many people aren’t clear onhow to get the biggest benefit out of it.Thats why “Get What’s Yours,” a guide to maxing out Social Security benefits by the economistLaurence Kotlikoff, becamea bestseller.
One of his co-authors, Philip Moeller, has the same sortof book coming out in early October, ongetting the most out ofMedicare.Studying the rules can ensure a more comfortable retirement. For example, if you were born after 1943 and wait to claim benefits after the full retirement age (67 for anyone born in 1960 or later), benefits rise8 percent a yearuntil age 70. Try finding a safe 8 percent return anywhere else.
One of the smartest moves to prepare for the cost of retirement, even if you can’t save much now, is something many younger savers are already doingsimply staying fit and healthy. Unexpected health-care costs can derail the best-laid retirement plans. (And, though it’s just a correlation, men who worked out three or more times a week made about 6 percent more than men who didn’t, according to a2011 studyfrom Cleveland State University. The gap was about10 percent for women.)
Taxes
Clinton
Clinton isn’t fiddlingwith the marginal tax brackets but would raise taxes on high earners in a variety of ways.
Her plans includea minimum rate of30 percent for anyone with income of more than $1 million, a 4 percent surcharge on gross adjusted income over $5 million, a $1 million limit on the lifetime gift exemption, and a new tax schedule on capital gains rates.Acap on the amount of savingsfrom itemized tax deductions would limit them to 28 percent of the value of the deduction.
So those in higher tax brackets wouldn’t get a greater benefit from, say, taking the mortgage interest deduction, the Tax Foundation notes.Clintonwould lower the starting point at which estates are taxed to $3.5 million ($7 million for married couples) and raise the top estate tax rate to 45 percent from 40 percent.She’dalso seek to limit the ability to pass on appreciated assets to heirs free of capital-gains taxes before death, though she’d protect “small and closely held businesses, farms and homes, and personal property and family heirlooms.
Trump
Trump’stax planwould cut the number of income-tax brackets from seven to three12 percent on income up to $75,000, 25 percent for $75,000 to $225,000, and 33 percent on income over that.
That means top earners would no longer face a 39.6 percent tax bracket.The standard deduction for single filers would be $15,000, and $30,000 for joint filers. Itemized deductions would becapped at $100,000 for single filers and $200,000 for married couples filing jointly. Trumpwould kill the estate taxand keep the popular mortgage interest deduction.
You and your money
Clinton’s approach would costwealthyfamilies the most, while they would appear to benefit under Trump. Whatever happens in the end, the debate over taxes is a goodreminder to pay attention to the tax treatment of yourinvestments.
Vigilance can boost your income in whatcould be a low-return environment if the economy continues on its current path.
What you can do
Start thinking aboutyear-end movesto lessen the pain next April. For the longer term, calculate what your total annual income from Social Security and other sources would be in retirement, and what the federal and state taxes on that income could be.
The first of the baby boomers just hit 70 and a half, when they have to start taking required minimumdistributions from IRAs. These annual withdrawals can push people into a higher tax bracket.Financial planners suggest strategies using a varietyof retirement accounts to try tominimize the tax bite.To use that strategyeffectively, you have to explore it well ahead of time.
By shifting money between traditional IRAs and Roth IRAs and other accounts, and paying tax on some accounts at opportune times, you canlessen the tax bite and add years of retirement income.
Child-care costs
Clinton
Clinton would capthe cost of a familys child care at 10 percent of household income using tax credits and subsidized child care.
She has talked about anational system for paid family leave of up to 12 weeks as well as universal preschool for four-year-olds.Child-care workers would be paid better. (“In many places, dog trainers are paid more than child-care workers,” she has said.) Child care is part of Clinton’s “New College Compact,” which proposes significantimprovements for child care on campus and up to $1,500 a year in scholarships to college students who are parents.
Trump
Trump has promised a mandatory six-week paid family leave and would let parents deduct the costs of raising a child up toage 13, for up to four kids.
To help lower-income taxpayers who may not pay income tax, the Earned Income Tax Credit would be raisedto “half of the payroll taxes paid by the lower-earning parent, with an income limit of $31,200 for single taxpayers and $62,400 for joint filers.
Trump’s plan would let parents createdependent-care savings accounts. Contributions would max out at $2,000 a year, and earnings would accumulatetax-deferred. Balances could be rolled over and used for higher education when a child turns 18. The annual cap on the business tax credit for child care that employers offer on site would rise from $150,000 to $500,000.
You and your money
The cost of child caretops college tuitionin many states,according to a 2015 report from the Economic Policy Institute (EPI), a liberal think tank, as well as monthly rent.
Corporate day-care centers would be ideal for many parentsbut are far and few between, so any relief would be a big help.Some employees already have access todependent care flexible savings accounts(FSAs). The Tax Policy Center has said Trumps proposal would mostly benefit high-income families who need government child care subsidies the least and that for those who need it the most, such as low-income married couples with a single earner, there ismuch less to Trumps planthan meets the eye.
What you can do
This is a tough one. If you want to gather support among other working parents at your company and raise theprospectof on-site day care, you can show your employerthis article about thepositive experience that suchcompanies asPatagonia and Goldman Sachs have had with such arrangements.
Creative solutions are cropping up for some parents, such as the Workaround, in Brooklyn, N.Y., a co-working space where people earn credits forwatching one another’s kids, which they can use when they need child care.Your cheat sheet on life, in one weekly email.Get our weekly Game Plan newsletter.
If your company offersa dependent care FSA, try to fund it fully. Itlets you pay for child care out ofpretax pay, which makes it stretchfurther while lowering yourtaxable income. In 2016, the limit on what you could contribute tax-deferred was $5,000 for a married couple filing a joint return. Also, take advantage of anydiscounted group legal services offered through your benefit plan to make a will, if you haven’t already, and of any elder care programs offered.And with that, enjoy the debate.
Hooper: Trump Has Shifted Republicans on Trade
Will Trump, Clinton Debate Have Any Impact on Fed?
Poole: Fed Will Raise Rates Very Slowly
How the Trump, Clinton Debate Impacted Markets
This article originally published at Bloomberg here
Read more: http://mashable.com/
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financingideas-blog · 5 years
Text
Clinton vs. Trump vs. your money: A personal-finance guide to the debate
New Post has been published on https://financeqia.com/trending/clinton-vs-trump-vs-your-money-a-personal-finance-guide-to-the-debate-2/
Clinton vs. Trump vs. your money: A personal-finance guide to the debate
KANSAS CITY, MO – SEPTEMBER 25: Kansas City Chiefs fans wear Hillary Clinton and Donald Trump masks during the game bethween the Chiefs and the New York Jets at Arrowhead Stadium on September 25, 2016 in Kansas City, Missouri. (Photo by Jamie Squire/Getty Images)
Image: Getty Images
Listen closely tonight. It’s your money and your life.
At 9 p.m. ET, in the first presidential debate of the season, Hillary Clinton and Donald Trump will be pressed, to a degree, for details of their various proposals. Jobs, wages, taxes, student debt, child care, Social Security … any or all of these could come up. And many of the vows, threats, visions, and hallucinations flying around the studio will eventually settlein the dustbin of history.
But some of these things will actually happen, in one form or another, so it’s a good idea to watch the proceedingswith an eye, and ear, to your personal finances.Where do the candidates stick to their stated policies, and where do they diverge, or contradict themselves on issues that could affect you financially? What are they saying, and signaling? And whatcan you do about it?
Here, then, is your personal-finance cheat sheet for the debate. At the very least, you’ll come away from the back-and-forth with a clearer sense of its potential impact on you, your working life, and your retirement.
Jobs and wages
Clinton
The Democratic candidate vows to narrow the income gap. Her campaign promises “the largest investment in good-paying jobs since World War II,” including a $275 billion plan to rebuild U.S. infrastructure, the creation of jobs in alternative energy, and support for small manufacturers and startups.
Clinton would pursue “smarter, fairer, tougher trade policies that put U.S. job creation first,” work with organizedlabor, gradually raise the minimum wage from $7.25 to $12 an hour, and supportefforts by cities and states to raise that minimum further, citing the “Fight for $15.”
Trump
Trump also talks of raising the standard of living and says his policies will make America “the best place in the world to get a job” but stressesgetting out of the way of economic growth. That means rolling backregulations on energy and other industries, reworking trade agreements that “create a smaller economy for everyone,”overhauling the tax code, andraising barriers to immigration.
Trump wants tospend more than$500 billionon infrastructure. He has said the minimum wage should be up to the statesbut has also talked about a $10-an-hour federal floor.
You and your money
Raising the minimum wage couldcost us jobs, some argue.The Congressional Budget Office, in a2014 analysis, notedthat “business owners would see reductions in real (inflation-adjusted) income, as would consumers, who would face higher prices as a result of the minimum-wage increase.”
The article “Minimum Wage Mythbusters,”on the U.S. Department of Labor’s website, says raising the minimum has”little to no effect on employment as shown in independent studies from economists across the country,” citing research showing that “higher wages sharply reduce turnover which can reduce employment and training costs.”
Moody’s Analytics concluded ina macroeconomic analysis(pdf) of Clinton’s economic proposals that the “negative employment affect” of a higher minimum wage would be modest, since the floor would be phased in over five years.
Whether or not you are directly affected by the minimum wage, its role in the economy and the candidates’ broader prescriptions for wage and job growth have implications for your working life and your retirement.
What you can do
Guard against lifestyle inflation that can easilycreep into your spending. Tamping itdown early on, to add to your savings, can pay off handsomely in the long term, since most big raises come earlier in your career.
Gains slow in your40s and 50s, and in your 50s income growth, adjusted for inflation,generallyturns negative, according to financial planner Michael Kitces. With less earning power ahead of you and your options to deal with savings shortfalls narrowing, you may have to make painful spending cuts or reduce your expectations for retirement.So if economic growth picks up, and with it your pay, try to keep your spending the same.
Kitces suggests setting a lifestyle spending targethow much you want to beableto spend per year in retirementrather than framing it as saving 10 percent or 20 percent of current income. Because he aims to save the equivalent of his annual spending times 30, he looks at everything he thinks about buying as costing 30times as much as it does.
Social Security
Clinton
Clinton would seek tomodestly expandSocial Security, increasing benefits for widowsand giving credits to workers who take a job leave to care for family members. To raise funds for the program, she would increasethe level of annual wages subject to payroll taxes; in 2016, wages arent taxed after $118,500.
According to a 2014 analysis(pdf) by the Center for Economic &Policy Research, the wealthiest6.1 percent of workers would pay more if the cap were removed.Clinton opposes reducing cost-of-living adjustments toSocial Security benefits, attempts at privatization,an increase in the retirement age, and any attempts “to close the long-term shortfall on the backs of the middle class.”
She has vowed to oppose any Republican plans to privatize or phase out Medicare as we know it and has said she would work to drive down drug prescription costs.
Trump
Trumptweeted in May of last year that he was “the first & only potential GOP candidate to state there will be no cuts to Social Security, Medicare & Medicaid.”
Growth from implementation of his economic policies would shore up our entitlement plans for the time being, he has said.Yet hehas also noted that as our demography changes, a prudent administration would begin to examine what changes might be necessary for future generations.”
You and your money
With defined-benefit pension plans fast receding and many workers without defined-contribution plans such as 401(k)s, Social Security income is more important than ever for more peopleeven as it isn’t nearly enough for most of us to realize our retirement plans.
Clintons plan for payroll taxes would mean a pay cut for anyone making over $118,500; right now, anyone making $237,000 a year, or twice the cap, stopped paying payroll taxes onearnings onJuly 1.
But if changes aren’t made to shore up the program’s finances before 2034, automatic reductions in benefits will kick in, with claimants getting just75 percent or so of their scheduledbenefits.
What you can do
Regardless of how the Social Security program evolves, many people aren’t clear onhow to get the biggest benefit out of it.Thats why “Get What’s Yours,” a guide to maxing out Social Security benefits by the economistLaurence Kotlikoff, becamea bestseller.
One of his co-authors, Philip Moeller, has the same sortof book coming out in early October, ongetting the most out ofMedicare.Studying the rules can ensure a more comfortable retirement. For example, if you were born after 1943 and wait to claim benefits after the full retirement age (67 for anyone born in 1960 or later), benefits rise8 percent a yearuntil age 70. Try finding a safe 8 percent return anywhere else.
One of the smartest moves to prepare for the cost of retirement, even if you can’t save much now, is something many younger savers are already doingsimply staying fit and healthy. Unexpected health-care costs can derail the best-laid retirement plans. (And, though it’s just a correlation, men who worked out three or more times a week made about 6 percent more than men who didn’t, according to a2011 studyfrom Cleveland State University. The gap was about10 percent for women.)
Taxes
Clinton
Clinton isn’t fiddlingwith the marginal tax brackets but would raise taxes on high earners in a variety of ways.
Her plans includea minimum rate of30 percent for anyone with income of more than $1 million, a 4 percent surcharge on gross adjusted income over $5 million, a $1 million limit on the lifetime gift exemption, and a new tax schedule on capital gains rates.Acap on the amount of savingsfrom itemized tax deductions would limit them to 28 percent of the value of the deduction.
So those in higher tax brackets wouldn’t get a greater benefit from, say, taking the mortgage interest deduction, the Tax Foundation notes.Clintonwould lower the starting point at which estates are taxed to $3.5 million ($7 million for married couples) and raise the top estate tax rate to 45 percent from 40 percent.She’dalso seek to limit the ability to pass on appreciated assets to heirs free of capital-gains taxes before death, though she’d protect “small and closely held businesses, farms and homes, and personal property and family heirlooms.
Trump
Trump’stax planwould cut the number of income-tax brackets from seven to three12 percent on income up to $75,000, 25 percent for $75,000 to $225,000, and 33 percent on income over that.
That means top earners would no longer face a 39.6 percent tax bracket.The standard deduction for single filers would be $15,000, and $30,000 for joint filers. Itemized deductions would becapped at $100,000 for single filers and $200,000 for married couples filing jointly. Trumpwould kill the estate taxand keep the popular mortgage interest deduction.
You and your money
Clinton’s approach would costwealthyfamilies the most, while they would appear to benefit under Trump. Whatever happens in the end, the debate over taxes is a goodreminder to pay attention to the tax treatment of yourinvestments.
Vigilance can boost your income in whatcould be a low-return environment if the economy continues on its current path.
What you can do
Start thinking aboutyear-end movesto lessen the pain next April. For the longer term, calculate what your total annual income from Social Security and other sources would be in retirement, and what the federal and state taxes on that income could be.
The first of the baby boomers just hit 70 and a half, when they have to start taking required minimumdistributions from IRAs. These annual withdrawals can push people into a higher tax bracket.Financial planners suggest strategies using a varietyof retirement accounts to try tominimize the tax bite.To use that strategyeffectively, you have to explore it well ahead of time.
By shifting money between traditional IRAs and Roth IRAs and other accounts, and paying tax on some accounts at opportune times, you canlessen the tax bite and add years of retirement income.
Child-care costs
Clinton
Clinton would capthe cost of a familys child care at 10 percent of household income using tax credits and subsidized child care.
She has talked about anational system for paid family leave of up to 12 weeks as well as universal preschool for four-year-olds.Child-care workers would be paid better. (“In many places, dog trainers are paid more than child-care workers,” she has said.) Child care is part of Clinton’s “New College Compact,” which proposes significantimprovements for child care on campus and up to $1,500 a year in scholarships to college students who are parents.
Trump
Trump has promised a mandatory six-week paid family leave and would let parents deduct the costs of raising a child up toage 13, for up to four kids.
To help lower-income taxpayers who may not pay income tax, the Earned Income Tax Credit would be raisedto “half of the payroll taxes paid by the lower-earning parent, with an income limit of $31,200 for single taxpayers and $62,400 for joint filers.
Trump’s plan would let parents createdependent-care savings accounts. Contributions would max out at $2,000 a year, and earnings would accumulatetax-deferred. Balances could be rolled over and used for higher education when a child turns 18. The annual cap on the business tax credit for child care that employers offer on site would rise from $150,000 to $500,000.
You and your money
The cost of child caretops college tuitionin many states,according to a 2015 report from the Economic Policy Institute (EPI), a liberal think tank, as well as monthly rent.
Corporate day-care centers would be ideal for many parentsbut are far and few between, so any relief would be a big help.Some employees already have access todependent care flexible savings accounts(FSAs). The Tax Policy Center has said Trumps proposal would mostly benefit high-income families who need government child care subsidies the least and that for those who need it the most, such as low-income married couples with a single earner, there ismuch less to Trumps planthan meets the eye.
What you can do
This is a tough one. If you want to gather support among other working parents at your company and raise theprospectof on-site day care, you can show your employerthis article about thepositive experience that suchcompanies asPatagonia and Goldman Sachs have had with such arrangements.
Creative solutions are cropping up for some parents, such as the Workaround, in Brooklyn, N.Y., a co-working space where people earn credits forwatching one another’s kids, which they can use when they need child care.Your cheat sheet on life, in one weekly email.Get our weekly Game Plan newsletter.
If your company offersa dependent care FSA, try to fund it fully. Itlets you pay for child care out ofpretax pay, which makes it stretchfurther while lowering yourtaxable income. In 2016, the limit on what you could contribute tax-deferred was $5,000 for a married couple filing a joint return. Also, take advantage of anydiscounted group legal services offered through your benefit plan to make a will, if you haven’t already, and of any elder care programs offered.And with that, enjoy the debate.
Hooper: Trump Has Shifted Republicans on Trade
Will Trump, Clinton Debate Have Any Impact on Fed?
Poole: Fed Will Raise Rates Very Slowly
How the Trump, Clinton Debate Impacted Markets
This article originally published at Bloomberg here
Read more: http://mashable.com/
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dydturktek · 5 years
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aplanterofthought · 7 years
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A while ago a feeling came to me. It was almost a message, “We cannot learn from past experiences”. The sense in this showed itself to me all at once and all i could see was a massive blur. It was nothing I could articulate then, or even later when i tried to with my boyfriend. But it stuck with me. It’s funny because I am content with the message. I am happy enough to know it. Yet I want so bad to explain it? Why is this? The essence of something is the spirit of it, yet we’re arrogant enough to think we can describe both. You cant teach essence, Stephanie!
But off I go :)
I think to think we learn from an experience can be very misleading. Or maybe it’s more misleading to base what we are learning off of our past experiences.
There is something to be observed at any given moment. In fact simply learning that life is only moment to moment might be the only real beneficial thing to learn. If you think about it, if we just sat quietly and allowed every moment to be our teacher,  the more we would get to know the moment itself, and appreciate the presence of it, rather than spend it focusing on our relationship to the moment, or a memory of a moment in the past or a hypothetical moment in our future. We constantly confuse the moment as a building block for our reality and wind up tracing logic in and out and back and forth through these series of “important” moments, to reference the little structures we’ve created for ourselves. Areas in our mind with safe houses, comfort zones, haunted houses, dead ends. Scary cliffs that we dont dare get too close to. A whole city of neurons that remind us of our reality and what we’ve turned it into. What to stay away from! And what places make us feel good.
But our Neuro-cities arent built with Moments. Moments aren’t memorable, they’re not of mental mass. They’re only stillness, elusive. Its our addiction to collecting! Gotta make every moment count! Otherwise we think we have nothing to show for ourselves….Moments in their organic nature are not agitated by the pulling and manipulating of the mind. The emotions and stories that we bring in to the moments–that’s what we remember, these are what we use to build. And the feelings we bring into a moment can only be feelings manifested by the influence of another feeling. We identify a feeling in relation to another we’ve felt. And we determine those feelings based on our opinion of the experience, and what we think our emotion reactions should be. Influenced HEAVILY on our cultures subversive, overzealous regurgitation of their creepy agenda to keep us consumed with ourselves and our constant pursuit for instant gratification.
So our minds are filled with memories, not moments. They’re filled with beliefs, ideas, fears, judgments, pedestals, lessons, and cravings. All formed around this school of delusional thought…(thought all formed around the past) constant comparison and paring of one experience to another. And whats even crazier –is to think that these experiences we have are in some impossible way, non biased and totally true in nature. As if we’re not interacting with EVERYONE ELSES Neuro-cities.Which look NOTHING like ours…. The opposing stories of people, and who they are, what their mental state is when they come into your life..is all very influential IF you let it be! But if you step back and with a little awareness..observe the chaos of mental and emotional dynamics—then you’ll probably say to yourself, “I would be MAD if I let the hysteria of this experience, really teach me anything of true value!” THATS your lesson.
But when ONE experience, even SLIGHTLY resembles another—we pair them. “These go together”. Even if every other element of it is totally different, INCLUDING, most importantly, the fact that ITS NEW. And we turn into smart little philosophers “I see a pattern here!” Do you? Dont compare the two because NEITHER even posses an emotion! And you cant compare two things which have no contrast to one another. You cant identify one transparent space to another transparent space because you cant IDENTIFY that which is transparent. The only thing you’re comparing is your relationship to the emotion of the experiences according to YOUR perspective.
Ofcourse this doesnt apply to the obvious things in life. I know my stomach doesnt digest greens well, and I know that when i eat them I will get sick.
I know that when it snows its cold. I know that someone has an addiction to negativity so I know I can expect their projection to be negative.
What i mean, are the experiences in life that shape you. The experiences in life which possess the potential to reveal to you the essence of love. To BRING you back to your core, to remind you why everything is worth it. But these beautiful parts of life cant reveal themselves if you if your constantly dressing them up in a costume that you’re certain, because of your past experiences, is what they must really look like.
When we are hungry, and craving food, we go to the grocery store and buy everything that looks good. We’re more vulnerable to making poorer decisions, we buy junk food, or too much food. We throw anything and everything in our cart that looks good. And we over indulge.
When we are content and have control over our cravings, we’re more likely to buy food that is good for us. To buy only whats necessary, and to keep it modest and reasonable.
When we are not very hungry and we eat a slice of pizza, we can appreciate the taste–but its not a remarkable experience.
That same slice of pizza, when we’ve gone too long without eating, can literally taste like the greatest food that’s ever been on the planet.
Dont starve your soul, dont starve your inner peace. Dont create voids within yourself that perpetuate a cycle of misleading consumption. Dont fill your voids with more validating empty space. Rather identify that the void you feel is void of love. Not because its not there,  but because you’re resisting the feeling of it.  
If you want to learn something, get to know the stillness of a moment. It’s filled with peace. Peace is a good friend.
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