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#it costs 1000 dollars so I gotta make that monei
realasslesbian · 1 year
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I'm gonna defend some corporations rn so hang tight, but I actually see no problem with BNPL schemes and tbh this whole hysteria about them being 'irresponsible lenders' just seems orchestrated by big banks. Lemme explain:
Oftentimes BNPL schemes don't charge customers anything at all in fees or interest (and if they do it's a paltry amount). Instead, they earn money by charging businesses who offer them as a payment option (sort of like how tap and go cards charge a business per use). They're literally charging the rich to give to the poor.
Now, if you're living hand to mouth, this can be an absolutely excellent way of budgeting and dealing with unexpected expenses. Instead of your $1000 car repair having to come out your $500 fortnightly welfare payment (leaving you without a car until you can save that amount) you can just spread that cost out into several more reasonable amounts and get your car fixed asap. All without actually paying any fees or interest, just the amount you'd be up for anyway.
Sure, you can get yourself into trouble with BNPL. You can go down to the pokies and get yourself into trouble there too (tho I never see banks being as upset about the gambling industry as they are about BNPL, I wonder why). But anyway, even if you get into trouble and can't make your BNPL payments, these types of lenders are often extremely savvy with that (bc let's face it financial hardship is a common issue for their customer base). I've personally found that BNPL lenders will go to extraordinary lengths to help, regardless of how much help you need. Almost always they'll waive late fees if you contact them, meaning you're still paying them nothing at all.
Conversely, most banks I've dealt with will seemingly endeavour to just cause further financial hardship by refusing to negotiate and being just plain rude (bc if you default on a traditional loan they can still earn money by picking from your destitute carcass). They'll charge you interest, they'll charge you fees, they'll charge you for looking at them the wrong way. Additionally, you can't access these types of finances at all if your credit score isn't squeaky clean, which most poor people's isn't.
So if you need $1000 to fix your car, are you gonna go to the lender who'll maybe help you, take their sweet ass time thinking about it, act sanctimonious as fuck and still charge you for the displeasure, or are you just gonna fill out a form online, tap n go your car repair and live happily ever after knowing that a multi-million dollar corporation is paying the fees?
Banks are out here throwing around the term 'irresponsible lending', but in fact, it just seems like they're hell mad someone is stealing their bit and making money out of it. If anything, I'd say that in comparison to BNPL schemes it's actually traditional banks who are the irresponsible lenders. BNPL schemes are proving that a lending model which targets rich people for fees and charges, while providing low/no-cost finance to those in need, is actually a viable way to lend. And that's entirely against the traditional bank's MO of keeping a boot on the neck of the poor to earn rich people big profits. No wonder they gotta have this desperate smear campaign about it.
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dipplie · 3 years
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It's a game that everyone can participate, that lasts for 1 month. Players "attack" people of the opposing team by making art of OCs you choose belonging to members of the other team. The artist that receives the attack can then counter that attack by drawing the character belonging to the person who attacked them, or pay it forward by attacking a different person on the other team.
It's like a game of team tennis basically!!
Cute and cools but I’m pretty bad at tennis
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purselover2 · 3 years
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Title: Going Once, Going Twice…….
Pairing: Bucky Barnes x Reader
Warnings: None that I can see, but please let me know if there are and I will add them.
This is for @amythedvdhoarder. Happy Hoelentine’s Day!!! I hope you like it. Its based off a picture I found of Seb and Hemsworth. I used my magic brain waves to turn them into Bucky and Thor and this is the result.
Mood board by the amazing @constantwriter85
❤️💜❤️💜❤️💜❤️💜❤️💜❤️💜❤️💜❤️💜
As you stood backstage watching the other models get ready you found yourself wondering not for the first time why you were here. Surely there was someone who could have filled the spot left vacant when Maria got called away on an assignment. But no, they had come to you, said you had to, it was for the puppies and damn if you could ever resist helping puppies. Or the kitties, or any other animal. So that’s how you found yourself backstage getting stuffed into an evening gown that cost a small fortune getting your hair primped and your makeup caked on waiting to go on stage and walk down a runway, trip and fall more like it, to hopefully sell the high end clothes you wore to the highest bidder.
If that alone didn’t make you nervous there was the other part of the auction, the bidder got to take the model out on a date wearing said outfit. There was no way anyone was going to bid on you. You weren’t popular, not even an agent. You were the IT girl, you know the one no one pays attention too until something breaks.
“Hey y/n! You look amazing.” Nat said and she and Wanda joined you. “Don’t be nervous. You’re going to do fantastic.”
“Yes. This is going to be a great night. We’re going to save all the puppies!” Wanda was way too happy.
“Thats easy for you two to say. You have guaranteed bidders. No way are Bruce and Vision going to let you two go without bidding. I’m the one who’s gotta stand up there and hope for a pitty bid.” You said.
“I think you’re not giving yourself enough credit.” Wanda hugged you.
“Yeah, you never know, Mr. Right could be here tonight.” Nat agreed.
“Well lets hope he doesn’t get held up trying to find a parking space.” You joked. You made your way over the curtain and peaked out. There on the front row was the one person you never expected to see at a charity fashion show. Bucky Barnes sitting right next to Thor dressed like a million bucks. What the hell? Could this get any worse? It was bad enough to embarrass yourself in front of the other Avengers, but you at least taken comfort in knowing that the one Avenger you had a secret crush on, wouldn’t be there to witness your humiliation. But no, fate had other plans. There he was front and center sitting next to the fucking god of thunder who couldn’t hold a candle to Bucky in your book.
“Hey y/n.” The backstage coordinator announced. “You’re going to be the last one to walk okay?”
“Yeah sure.” You thought maybe that wouldn’t be so bad, maybe everyone would just leave after they bid and you wouldn’t have to even walk on. Walking over to the puppies and kitties that the rescue had brought to show off and hopefully get adopted you saw a white kitty that looked as nervous and out of place as you did. Bending over you picked it up and began to pet it.
“Well hey there little one, you look like you want to be here as much as I do.”
You saw Nat come back through the curtain and hand the puppy she took on stage over to a handler and you motioned for her. “How did you do?”
Taking her hands and smoothing them down her dress she shook her ass and replied. “A date with me cost the gentleman $5000.”
“Damn girl you go. Bruce is a lucky man.” You winked.
“Who said it was Banner?” She smiled.
“That smile.” You giggled. “Here comes Sharon. I’m guessing she took some of Cap’s social security check tonight.”
“Those age jokes never get old.” Nat laughed. “Hey Sharon, how much did grandpa spend?”
“$5000!” She yelled. “He got into a bidding war with some guy from the Pentagon. Apparently Steve doesn’t like to loose.” She chuckled.
“Great a bidding war.” You held the kitty tighter as you stroked its fur.
“Y/N! You’re up.” The handler bellowed.
“You go girl!” Nat said pushing you forward. Wanda high fived you and Sharron patted you on the shoulder.
You stood just to the left of the stage and waited for the MC to announce you.
“And now ladies and gentlemen, its time for our final model. Please welcome to the stage Ms. Y/F/N, Y/L/N!
The curtain parted and you took the first step, then another then you realized that with the lights in your eyes you couldn’t see anyone in the audience. This was perfect. You’d just pretend you were out for a walk holding a cat and everything would be fine. You had already during rehearsal counted the number of steps to the end of the runway. You’d walk down, stop, let them get a good look at the dress and the cat and turn around, walk back and not see a single face. Especially Bucky’s.
You counted the steps and reached the end. Stopping you made a point of petting the kitty and it nuzzled your face and tried to curl up closer to you, taking a pink tipped paw and placing it on your lips drawing an awe from the audience and a few chuckles. You took the moment to snuggle him some more and then hold him out for everyone to see. Finally you turned and walked back down the stage to the MC.
Once you reached him, you stopped and stood waiting for the torture to begin.
“Alright ladies and gentlemen, lets start the bidding shall we. Do I hear an opening bid?”
You braced yourself expecting to hear silence, when out of the crowd you heard a familiar voice yell, “$1000!” This was a dream. There was no way Bucky Barnes was bidding a $1000 to take you out.
“I have $1000, do I hear $2000?” The MC continued
“$2000!” Came a voice from the other side of the stage. Squinting you could just make out the smirk on Brock Rumlow’s face. Great. He had asked you out a couple of times and you had politely tuned him down. He gave you the creeps in a major way and you didn’t want within ten feet of him.
“I have $2000, do I hear $3000?”
“$3000.” Came Bucky’s reply.
“$4000.” Brock countered without even waiting on the MC.
“$5000.” Bucky returned.
“Well it looks like we have quite the bidding war here tonight ladies and gentlemen.” The MC was obviously unable to contain his excitement. “I have $5000, do I hear $6000?”
“$7000!” Brock yelled.
“The bidding stands at $7000, do I hear $8000?” The MC asked. You couldn’t believe this.
“$10,000!” Bucky yelled louder and you almost hit the floor. Holy shit, ten thousand dollars. That was going to go a long way to help the puppies and the kitties. In your arm your new fury friend must have sensed your nerves because he again started rubbing your face. Taking your hand and rubbing his ears, you waited.
“$10,000 ladies and gentlemen! This is indeed a record setting bid. Do I hear another bid?” He motioned to Brock, who took a moment before shaking his head no and you released the breath you didn’t realize you were holding. Relief that you wouldn’t have to endure a night with Brock Rumlow, only to relize that it meant you’d be enduring a night with Bucky Barnes. Even if it was a different kind of enduring.
The crowd went crazy as the grand total for the evening was announced and you made your way back stage, where Wanda, Sharon and Nat were all waiting for you.
“Oh my god girl!” Wanda exclaimed.
“And here you were worried about no one bidding.” Nat teased you.
“I’m so excited for you.” Sharon replied. “I swear to God though if Rumlow had won I would have insisted on a double date so that you didn’t have to be alone with him. That guy is major creep.”
“I was scared there for a while. But damn, how did that even happen? Why in the world would Bucky Barnes ever want to go out with me?” You shook your head at the thought, not noticing the girls looking over your shoulder as someone approached.
“Well doll, I can give you about ten thousand reasons if you really want to know.” You heard Bucky say from behind you.
Turning around you saw him standing there with the other Avengers as they came to collect the other ladies. As each couple paired off and made their way to the door you suddenly found yourself alone with Bucky. You still had the cat in your arms and he was sleeping contently.
“Hi Bucky.” You smile at him. “Thank you for not letting Rumlow win.”
“You’re welcome, but if you think that’s the only reason I did this, then I have some making up to do.” Bucky walked closer to you and used his flesh finger to stroke the cat on top of the head.
“Making up to do?” You asked.
“Yeah, I thought you knew that I wanted to ask you out.” He explained.
“Uh you did?”
“Yeah. I just never thought you’d go. So Thor talked me in to coming tonight and taking my chances. His thought was that if you had to go out with me, it would give me a chance to show you what a great guy I am, his words not mine, and that I could woo you.” Bucky chuckled at the last part.
“Woo me?” You giggled. “Well, I appreciate the effort to impress me, but you could have saved yourself some money and just asked me out the old fashioned way. I would have said yes.”
“Yeah?” He looks at you.
“Yeah.” You answer. “BUT now that you’ve told me about this mighty plan you and the god of thunder have cooked up, I’m wanting to see it play out.” You move to walk towards the handler to give the cat back. “Let me just give this little guy back and we can go.”
“No need.” Bucky tells you and you look at him. “I adopted him. He’s obviously a very smart fellow for picking you to cuddle up to. I only hope he can teach me his moves so that I can get some cuddles.” Bucky took him from your arms so you could find your coat and bag.
“Cuddles, Sargent Barnes come AFTER the proper wooing, not before.” You replied as you walked off.
“Well then let the wooing commence.” He said following after you.
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archivelikely · 3 years
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The saga of darryl being a mastermind of negotiation. kind of.
transcript under cut
Anthony: It’s the All-or-Nothing Coin. It’s a coin that can be flipped in place of a d20 roll. Heads is a natural 20, tails is a natural 1.
Everyone: Ooooh (Overlapping, “that’s good” and “that’s very cool”)
Anthony: You can only use it once per long rest. Okay, so yeah- uh
Matt, as Darryl: How much do they all cost?
Anthony: The Maul looks at you and Maul says, “Ah! These are magical. These are very useful, clearly. Each of them is gonna be 300 gold.”
Freddie, as Glenn: Dang
Anthony: You notice there are four--
Matt, as Darryl: Is that really the price or is that because you know we have 1000 gold
Anthony, as Maul: Ehhhh, a little this, a little that, a little this, a little that
Darryl: Tell you what- All four, 300.
Maul: You-- may be the worst negotiator ever. (As Anthony:) Go ahead and roll Persuasion with disadvantage, that is--
Will: Wait--
Anthony: That is a horrible haggle
Will: Buy-- Buy the coin, and then go all-or-nothing on a Persuasion for the rest of them.
Anthony: Oooh
Darryl: Tell you-- The coin for 200.
Anthony: Make a persuasion roll
Darryl: Is that one with disadvantage? Cause thats just one item--
Anthony: No, yeah its a normal Persuasion roll
WIll: Glenn, you wanna pitch in here Mr. Persuasion Rolls?
(Dice rolling)
Freddie: No, I wanna see Darryl do it.
Matt: You know it’s bad if I’m checking which one it is
Anthony: So its a 6 or a 9?
(Freddie laughs)
Matt, laughing: It’s a 6.
Anthony: Okay. So, she goes, “300.”
Darryl: Oh, go Ron
Freddie, as Glenn: We should let the business man negotiate
Will, as Henry: Ron, what do you got
Beth, as Ron: Uh, we’ll take it for 300!
(Everyone laughs)
Anthony, as Maul: Deal!
Anthony: She shakes your hand, she takes the 300 gold, and hands you the silver dollar, the All-or-Nothing
Matt, as Darryl: We would like to get all the rest of the items... for you paying us 1000.
Anthony: Wh-(Chokes)
(Everyone laughs)
Anthony: That’s at disadvantage!
Matt: No! I wanna use the coin!
Anthony: Yeah, you can use the coin at disadvantage! You’re gonna flip the coin twice and take the worse of the two. Because that’s still insane.
Will: Do it! Roll the bones. Live large!
Matt: Alright, I’m gonna do it. I wanna flip a real coin.
Freddie: Alright, hold on--
Anthony: Yeah, somebody have a coin?
Freddie: --not only do I have a real coin. I have-- as a result of doing fuckin’ magic tricks-- a real silver dollar
Anthony: Oh wow
Will: Ooh
Beth: That is heads on both sides
Matt: Is it because--
Anthony: Yeah, is it a trick thing?
Matt: Is it because I asked for money that it’s at disadvantage?
Anthony: Yeah. It’s one thing to haggle, its another to say “Give me a thousand dollars and also”-- That’s robbery! What you are describing is robbery.
Will, laughing: Darryl got hella greedy
Matt, laughing: I got too greedy! Henry’s idea was so good
Will: The power went immediately to Darryl’s head.
Anthony: So heads is a 20, tails is a natural one. You gotta flip it twice and if either of them are a tails, it’s a tails.
Freddie: I have, from my personal collection, a 1885 silver dollar.
Matt: Hell yeah!
Freddie: Do me a favor, don’t, like, flip it onto the floor. Like, flip it onto the carpet, would you?
Matt: I’ll flip it on and do the turn.
(Beth says something in the background)
Matt: Do you wanna check it?
Freddie: Yeah, check it. You can check it, you can check it, you can check it.
Matt: Okay, here I go
Beth: Nothing up my sleeves.
Matt: So heads is good?
Anthony: Heads is good. If you get-- either of these are tails it is going to be tails
Beth: I would argue that tails is good, my man.
Will: Eh, nice
Matt, distant: Heads
Everyone, overlapping: Heads!
Anthony and Beth: Alright
Will: We got heads!
Anthony: You got one more to go
(Matt claps in the background)
Matt: I look at her and I”m like, “I’m just sayin’, we’re doing you a big favor. taking these off your hands.”
(Will and Freddie laugh)
Matt: “These are a problem”
Anthony, as Maul: Alright.
Matt, distant: Heads! Yes!
(Everyone shouting and laughing)
Matt, as Darryl: So what do you think?
Will, singing: I did it myyy way
Anthony: (sighs) Maul goes, “Well, when you put it that way.”
(everyone laughs)
Anthony: She goes, “You know what? You know what, it’s worth it for the patent on the- on the pocket thing. Heck with it! Yeah, take em. And take-- (Anthony laughs) a thousand gold.
(Everyone laughs again)
Anthony, as Maul: That thing that you clearly had so much-- so little of that you needed a thousand more!
Freddie: You stupid fuckin’ idiot Anthony!
Matt: I give Paeden 200 gold and I go, “Here you go, buddy!”
Anthony, yelling: Paeden buys a gun! Paeden buys a gun!
Beth: Oh god!
Will: Maul’s like “Make sure they lose it in this mall.”
(Everyone laughing)
Freddie: Anthony you stupid idiot, you thought you could get us to lose money? Wrong!
Anthony: Oh god.
Freddie: Dads always make money, all the time!
Anthony: Oh god.
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empstateofgrind · 2 years
Video
Repost from @wall_street_trapper "YOU BECOME WHOM AND WHAT YOU FOLLOW; AS FOR ME AND MY HOUSE, WE FOLLOW THESE GUYS" - WL. MORRIS #mrtellmeimlying #mrisayshityouscaredtosay #ados #ADOS #hmrradio #crypto #property #financialfreedom #financialfreedom #invest #stocks #realeatste #revolution #Revolutionary #b1 #blackfirst #melanin #music #hiphop #empsog #empirestateofgrind #blackbusinesses #Blackowned #loveblack #loveself So it’s all fun and games untill we break down the numbers. So with inflation at a 40 year high, let’s do some math. For those who like sitting their money in the bank. $1000 sitting in the bank untouched would be worth $925 at years end (ion think nothings funny about that) There’s a reason why every business we use on a daily bases has increased pricing, it’s because America is printing money out the wazoooo. The only way to fix the issue is to stop printing money, if they stop printing money the economy is going to collapse. But only for a a year or so. But this has to happen so the economy can recalibrate (just like the scale in the Trap, they gotta hit Tare & put the nickel on it) The more money they print, the more value your dollar loses. $100 spent in 1975; that same item(s) would cost $511 $100 spent in 2019; would now take $107.69. This is why i say: A DOLLAR THAT ISNT MOVING, is a DOLLAR THATS LOSING. The fear of investing isn’t what’s scary, it’s the fear of sitting money money in the bank & knowing it’s losing spending power because it’s not keeping up with inflation. To learn how to make good investing during a drought, check out my 3 day bootcamp coming up Feb 21-23. Click The Link In My bio. WALLSTREET LOOKS LIKE US NOW🏚⚖️🏚⚖️ https://www.instagram.com/p/CaHWaUogtX7/?utm_medium=tumblr
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anyu-blue · 3 years
Text
~
Medical stuffs below the cut. Nothing graphic.. just me lamenting how our system is failing and possibly killing me more than it was before.
So aside from the mid-apocalyptic headline in the newspaper this morning about how our state isn't getting the number of covid-19 vaccines it was promised, the government blaming low supply, and the supplier blaming the government's refusal to give orders to distribute supply that is very much there.... I had hope today would be helpful.
Turns out the doctor I've been bugging with my ailments REALLY did not want to see me and kept calling instead. Then he told me that I was too impatient and if I really really wanted answers I needed to go to the hospital... Oh but he didn't mean the hospital.. he meant the emergency department of the hospital, and based on my insurance it was going to be extremely expensive and he'd rather i tough it out for another week waiting for blood results to come back, and THEN refer me for any scans that might be necessary (another week minimum after the results until they could get me in after the results are back)...
It's been nearly a month.. or has it been longer than a month? Tough it out tough it out tough it out.
I've HAD to call off work because I couldn't see straight or hardly move!! I couldn't drive in that condition!! Let alone be by myself for 8 hours!! I might have to again in the time I'm kept waiting!! I CAN'T afford that!!!
So.. go to the ER... Where it's literally (seriously I'm not kidding, I have Medicaid which usually covers all deemed-necessary expenses) $1000 to walk in right now due to limited supplies, low staff, and limited capacity. That's BEFORE any work to help is done.
??? What?
I... I can't.... I can't afford that...
I'm not going to lie and say my eyes are dry.... Right now... Because they're not... Even though crying is probably only hurting me.
Lol
Doc thinks I've got a major infection (as do I!!!) In my abdomen. Doesn't know which of two (possibly 3) specific organs... And therefore will not and cannot prescribe treatment.... Even though they all have the same starting treatment of antibiotics/penicillin. Nope. Can't prescribe without knowing- which through his office will take a minimum of 3 weeks. Kaaay....
I just... I just... I'm so sick.. more than my normal sick... And idk what to do. I cannot convey how scared and desperate I am through this text... How the thought makes my vision blur streaks and grabs my throat so tightly I can't breathe...
I'm scared. I'm hurting. I might also be dying from an easily curable sickness... And I don't have the money- NO ONE I know has the money- to get the help I'm asking for. Wait.. the help I NEED. I was told to tough it out as long as I could.. I did. Told to call my doctor if I didn't get better. I did (and she's too busy even to take a phonecall from me or call me back). So I took it into my own hands and begged to be seen. Was given a Covid test which was negative and 2 H Pylori tests- immediate one was negative and the one that took nearly a week to get back- SURPRISE also negative.... And told to discuss my symptoms again over the phone.. which didn't help the first time. How.. how does that make sense?
I can barely pay my bills right now... Especially with missing two days of work this month... Thank the Gods for my amazing boss pulling some strings for me and adding the $1 differential to my paychecks even though I'm the temp... Or I wouldn't be able to at all. $1000 and more... CT scans too alone are $3000 and that's what he told me to ask for up there... After rapid testing labs... Some of which I know from being a phlebotomist a few years ago were $150 a pop THEN... Gods what are they NOW?
I'm not the only one suffering. I know I'm not. I will not be the first nor the last death from our corrupted healthcare system if it comes to that either... Lol... Nor will I be the first or last who keeps waiting and waiting and ends up in the ER anyway... Racking up even MORE bills than if I had just gone in right away....
I'm so distraught and lost (gotta save gotta save gotta save!!! So sick so sick so sick!!! ????????) I had to call my sister.... I'm so lost that even with all my experience I need someone who has none to tell me what to do out of my options...
I am toughing it out until Monday.... Going in to a different clinic ASAP where they see people from $10-$100 up front (medicaid is usually free but at this rate I don't trust that)... If they can't help me or won't like this other doctor... I'm to go straight to the ER... And we'll figure out the thousands of dollars in expenses however we can....
I hate this.. so much... I understand it's not perfect in other countries either.... But I don't really know of many more 1st world countries (can we even be called that any more?) where people are literally dying and drowning in medical debt... And are dying Because of their fear of the costs... And are dying because they choose the cheaper options... And are dying because they can't get help in time due mostly to costs and also to our fucked up referral system ....
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kim-isnt-seaweed · 4 years
Note
Hi. I love your page 🤍 Can you please tell me how does it work to get married in Korea? Thanks Sending lots of love to you, and be safe 🥰
Hii! Thank you!
In what way? Like how do you get married or how it's like being married to someone Korean? I assume it's the ..former(??) First one.
Getting married in Korea has it's difficulties and also parts that are much more simple than in America. I think this is gonna be long so bear with me.
(It is long..sorry!!)
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So let's start with a disclaimer. This is just from my experience and those around me, plus what you sometimes see on TV. The very basic generalized idea of how it works.
First, your date then you decide to get married. Like it's really like that, your date then at some point in whatever way you and your partner communicate you decide to get married, together as a couple; by this I mean no surprise proposals or whatever. Then you and your partner and both of your parents meet for the first time for a dinner where you tell them your plans, but this part is kinda fuzzy for me, what I've heard is that the old school traditional way is that you don't meet each other's Parents until this point but IDK how true that is now, I know I met T's parents (even his extended family) very fast even by American standards and T's friend who is engaged has met his GF's parents a few times here and there over the years but nothing official (as in going to family weddings together or spending holidays together something T and I did a lot) but anyway, and then as it happens in dramas some parents might be against it (but also Idk how true it is now if they have so much say in who you marry or not but given how much they have to do and pay for it, I feel like it's still true)
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Then..you propose. In Korea, people don't actually propose until you officially know you're getting married. T "proposed" to me a week before we registered our marriage, and another of his friends who is already legally married to his wife will propose to her soon. point is you won't get proposed to until you guys already agreed on getting married. When I explained that in America it's usually a surprise and that is when you say yes or no they were kinda shocked haha
After this comes marriage registration and ceremony. The order in which you do this is up to you really, some people do the ceremony first and some people do the ceremony 3 years later like us haha. For the registration process it's fairly simple you get the required documents I can't remember what they are but yeah, go to the ..ward office ?? ( that's what google translate told me) give the papers, sign them and bara bim bara boom(apparently its bada bing bada boom 🙃) you married !!
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Now the ceremony is the hard part. Multiple people have told me "Korean wedding ceremonies are a business" and boy they really are, it's a weird give and take of money between family members and most of it is for your parents and in-laws.
So first, The most important thing you have to do is set the venue, there are tons of wedding venues all over Seoul you just gotta choose one, set the date chose the available time (oh, here weddings are always around noon or early afternoon and last probably less than two hours cause you gotta be out before the next wedding) now if you have the venue you basically have everything else American/Colombian brides stress about: decorations for the ceremony?? You just deal with what the venue has that season (there are multiple halls per venue so the hall you choose does have a specific style though) bouquet?? You just chose from the options they give you. Entrance songs? Also, choose from the list. Dress? If you want the venue can also rent some pretty dresses for you. Studio? If you want you can also choose from a few studios the venue has partnerships with. Makeup & hair? If you want you can also do it at the venue. (All these "if you want" things have an extra cost though but not much more if you did it independently) reception?? Pshhh what's a reception?? In Korea you do the ceremony, take some pictures, people eat at the venue's buffet while you do some traditional ceremony with just the family elders, afterward you greet the guests and leave. So yes, in Korea if you have the venue you do take care of most of the things brides back home worry about a lot. T and I have been over this wedding since before we even did anything for it so we just fucken did everything with the venue haha
Once you get the venue then you pick put the dress and do the photoshoot and whatnot, but that is not the hard part. Now you go around the family elders (especially your father-in-law's family) and tell them the news, then traditionally the bride has to give each of her father-in-law's siblings 1million krw (little less than a 1000 dollars??) But worry not! On the day of the ceremony you get half of it back (don't ask me why not even T gets it) obviously my family being in Colombia where the Peso is like 4 times less than the Won can not afford that, so my FIL helped us out. Another part which is apparently traditional is that your in-laws buy you jewelry (in addition to the rings) I got two pairs of earrings and a necklace with two pendants and that's cause I was basically forced ( don't feel that comfortable getting expensive stuff) and then there's this other tradition where the bride's friends barricade the bride in her house and the groom's friends have to coax her to come out with gifts by the groom, we didn't do that -it's actually not that common anymore- but t did get me a bag, remember that one post about the man feeling like he has to buy expensive shit for his partner? Yeh, we actually went yesterday and when we came home as we were going to sleep he said that he felt very good that he finally got me something expensive.
After you go around the family elders asking them to come (i couldn't go cause I had the flu) you do the invitations. Now when booking the venue you give an estimate of around how many people but its usually always around 200, why? Cause guest lists don't exist!!! "Only family and friends/close ones" is not a thing that is used here. T has to invite his whole station, I have to invite everyone at my work, he has to invite everyone in his badminton club and his parents get to invite whoever the fuck they want because this is about them, not you. My MIL's badminton club is all going, people, my FIL works with we have never seen in our lives and random people my MIL knows from her bar, not to mention that you don't get to say "no plus ones" or "no children" just know random people are also gonna show up haha but that's not even the issue either, it's giving the invitations. That's a whole other protocol that fucks me up, it's not like in the u.s were you just casually give people the invitations like "hey, go to my wedding, k, byeee" nope, you gotta invite people to dinner or at the minimum buy them some coffee and shit..iiif your close, if not Idk man I have no one to invite that I'm not close too but T has to invite like captains and superiors and the poor man is stressing the fuck out. To the people you're not that close to (or have to suck up to...there's a lot of sucking up in Korea from what I've learned), a simple online invitation will be enough haha
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Now after the invitations, there are a few other details you gotta arrange like who's going to Mc the ceremony (one of T's friends) the picture table (it's a table with pictures of you two but you gotta pay for those too) who's going to receive the money envelopes, it's usually: a person from the brides family gets the money from the bride's guests and a person from the grooms family gets it from his gets but since my guests are less than 20 and I have no family here, who cares. Then who's going to catch the bouquet, apparently here you just don't throw it at a group of women but you have to ask someone specifically, I asked my coworker. And who's going to sing the congratulatory songs (축하) one of T's friends will sing "아로하" by Jo Jung-suk and my coworkers will perform AOA's heart attack. Oh, the venue also has a photographer, and on the day before the ceremony the bride is always in a little room sitting on a small couch while guests take pictures with her and the groom is greeting guests haha oh oh! The moms wear hanboks throughout the ceremony and the aunts too.
Then you have to get the hanboks for the traditional ceremony. You can rent those but the lady convinced us to let her make ours from scratch although you can still give them back to them to rent them but the lady and my MIL convinced us to buy them. The traditional ceremony 폐백 pyebaek, Idk how it really is because I've never seen one but I've been told you are in traditional Korean clothes, do some things like serving tea, bounce some ..some ...nuts? Circle thingies on a cloth, feed the family elders, and do an on-the-floor bow for each and every one of them while they hand you money and give you marriage advice. Then you go out and greet the guests while they eat and you starve (that's what everyone says) and you leave for your honeymoon. We can't go on an actual honeymoon cause of my work and Corona but we'll spend the weekend somewhere nice.
And...
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that's all I think. I don't know if I'm missing anything its 3 am Haha
Anyway, i hope this was at least fin to read haha thank you!! You stay safe too!♡
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gauchebistro · 4 years
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1000 episodes of yugioh
With the first 6 series(Not counting season 0 or capsule monsters), total episode count is at 972. Sevens is currently at 11/12 episodes. So just 16/17 episodes left for the 1000th overall episode.
It's been a wild ride, and I'm happy I have been able to be on it up to now. There were times I left, and times I came back. But my love for the series and game is eternal.
As many others, I grew up with the dub of Duel Monsters. Being a child you don't tend to think too much about the dubbing, and obviously they did it right enough to hook people. That being said the dub has had some significant issues during the run, namely skipping two series last bit of episodes. Fortunately, since Zexal they have finished each(Haven't checked on vrains but I'm sure they will finish it too). Other issues become more preference based. Such as voice acting and story changes(Mainly done to make it more kid friendly). At the very least many can find comfort in the hilarious dubbing changes, be it because of the actual jokes or the absurdity of it all.
I didn't start watching subs until 5D's, which ironically I only did because of the dub for that series. Like with GX, they never finished dubbing it. Being invested and wanting to know how it ends I decided to watch the subs. Which opened up a whole new world for me. As for GX, I was able to see weekly pics of each episode while it aired in Japan, do not finishing the dub at the time then wasn't an issue.
5D's itself opened me up. As with many, my first reaction of the series was "card games on motorcycles? The fuck is this?". So I didn't actually watch it right away. It wasn't until they started airing the dub in canada(which was probably a month or so behind the us) that I actually sat down and watched an episode. But the moment I started watching I was hooked and started watching every week again. Now, it might have helped that this was early in the series still, during the time in The Facility. Where the first duel was against either Bolt or the prison guard. Both of which didn't use Speed Dueling and I think the only Synchro was from the guard. Even still, I wasn't put off by Speed Dueling or Synchros when I started seeing them.
Enter Zexal and history repeats. First reaction was "Nope!", and I was back on judging before watching. But it didn't take too long for me to decided to watch it. I think I started when 20th so episode had aired in Japan. So i had 20 episodes to binge, and binge I did. Hooked after the first episode. At that point i realized, maybe I like the series overall and shouldn't just close myself off to it because of petty reasons. And boy am I glad I decided to watch Zexal.
Not only did my love for the anime get renewed permanently, but I also started buying cards again...maybe a bit too many. I also decided to watch all the previous series again(Again season 0), all in subs. So I got to see the entirety of GX for the first time, as well as see the original content for DM. And from Zexal to Vrains, I have basically been watching a new episode each week. And it's been amazing(I do have to still finish Vrains though. Pretty sure I'm at Soulburning vs Revolver take 2, so not many left, also know what happens from then to end, but still want to finish watching, just been putting it off...for a while). Sadly, the anime went on a bit of a break at the end of Vrains(6 months I think?), so I didn't have my weekly dose of yugioh(at least for the show, I have friends that I dueled a bit).
As for the actual game. As I said, I bought a lot of cards...like...a lot. At the time i was working at a dollar store that had 10 card repackaged packs for 1 dollar(plus tax). So I bought a bunch of those. Obviously, they weren't amazing cards but they were from more recent sets(Zexal era), so getting no normal monsters was nice. I did go overboard though. Probably got at least 150 packs in total from there during my time. Which means 1500 cards. Eventually I wanted better cards and at first went to places like walmart(big mistake, cost more), then I found an actual card shop. I still was going overboard though, heck I've been over boarding it for like 5 years now I think. Now I don't know how many cards I actually have but I'm 99% sure it's over 10000 so...yah. I choose to not think about the money. I have decided to cut back this year though(Which actually was easier than I expected, albeit a global pandemic probably did help a bunch). Even still, I have 20 decks I'm focused on right now(Was at least 40 before, probably even 60), so it's still a bit but...I like the cards...I can't help myself.
I could go on and on. Like how watching Zexal helped kept me going in life, or how I love each series and will forever have sold my sold to the card devil. But I'll leave it there.
I plan to continue to watch the series to come and play the game with whatever changes that are made. Seen first few episodes of Sevens and I enjoy it so far, gotta continue though(And finish Vrains!). I am glad there is no new Summon method this time though(Although I want a red type of card(I still don't get why Links were done blue)). I think the game is at a good point with different methods, feel adding new ways to duel is more ideal(Although I'm not interested in Speed Duels or Rush Duels). Regardless, I'm still very much in love with this franchise, probably only being beaten in love by Pokemon but even then it's close. So thanks Yugioh for all the great times :)
P.S. I'm still waiting for a fuckingbwold archetype, even a werewolf archetype would do, or even a series. But Aloof Lupine is a great wolf so thanks for that at least(And Performapal Silver Claw).
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redtailhawk19 · 5 years
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Diabetes rant
Been awhile since I posted but I'm just really sick of having to pay x amount to live. I need to vent or the urge to off myself will win and i'm not going to let the assholes win. So ignore if you want I just want to vent. My bg is five hundred currently so yeah. I'm just kinda pissed.
Diabetics in America, type 1 and type 2 have to make do by buying insulin from other companies, paying out of pocket prices that can range from 200 to 1500 for a month supply. Relying on Diabetic Facebook support groups where other Diabetics donate extra supplies, copay cards that only work half the time, and fiancal assistance programs that you only qualify if you're in the lowest possible income bracket. This is the fault of Pharmacy benefit managers, insurance companies, the top three pharmaceutical companies, Eli Lily, sanofi and novonordisk that own the patents. Then all three blame each other for the high price, blame the pbms and insurance companies who into blame each other as well. Fun fact Eli Lily came out with a generic insulin. Insulin lispro it's basically humalog. Not that they have been advertising it, the bastards. I've been told at my pharmacy an out of pocket price of humalog is $546 for a month's supply of vials, what's is insulin lispro's out of pocket price for a month's supply? $180 per vial. Had anyone had any luck finding out what it cost the companies to make their analog insulin? I've been looking for that data for 8 years still haven't come across a legitimate source. I heard once from a novonordisk drug rep that Eli Lily makes one vat of insulin for $50 dollars. Lol representative was trying to make the other company look bad but they all do it. So you have insurances that pick which insulins get to be on their formulary. BCBS for example favors humalog. So good luck unless you're allergic to humalog they will deny any prior authorization for another fast acting. My BCBS ins doesn't care that fiasp and novolog work better for me. Now I'm using humalog u 200 which is working for now thank God. Let's now get started on Continuous Glucose monitors, dexcom g6, freestyle libre and guardian sensors.
Having a CGM literally saved my life, I have a 'good insurance plan' I have an 800 dollar deducible, 5000 out of pocket. Met my 800. Dollar ded at the first of the year. Wanna know how? I had to drop $1000 to pay for a 3 month supply of dexcom g6. So I met my deductible so now everything is great? Wrong! I still have to pay %20 coins. So if I want 3 month supply I have to pay $367 dollars of my portion. I don't know about most people but I find it difficult to come up with that sort of lump sum of cash. It's September and I'm only 2000 in on my 5000 out of pocket. Why because I don't go to the doctor unless I have no other choice. I have enough trouble just paying for my diabetic supplies let alone the copays, and remaining balance left over at the end of doc visits. Only doc I see regularly is my Endo. Then BCBS had the gall to keep making me use dme (durable medical equipment) companies that charge a hell of a lot more than pharmacy benefits do. Supposedly bcbs is going to let commerical insurance patients use pharmacy benefits in October so if you have BCBS and use a dexcom CGM have your doc or Endo send prescription to community Walgreens who also has a $120 coupon.
Freestyle libre is at least trying to do something, funnily enough because they market their CGM as a meter and for type two diabetes. Out of pocket price is 75 using e vouch for a month supply, sensors last 14 days, 1 hour warm up time, no alarms but they are working on it. You can use a smart phone and save some money by not getting a reader. Guardian don't know much about but I tried one and sensor died on day one. If the senors work then it does have some advantages. transmitter lasts a year and is rechargable, and you can restart sensor fairly easily.
Pumps Omni pod, tandem and Medtronic.
Gotta Omni pod hands down even though I got a tandem tslim x2 pump. Omni pod is tubeless, Omni pod pods can be potentially pharmacy benefits. So go omnipod also because you can hack the classic pump with the open aes algorithm and get a artifical pancreas because #we aren't waiting. FDA approval takes forever!
Good news on dexcom front, G7 supposedly will come out in end of 2020. It will last fifteen days, 1 hour wait time and transmitter is inside senors so you throw whole unit away. Why is it going to be less expensive? They want to market it towards type 2s.
Did you know you can restart dexcom g6 transmitters and senors. Well you can check out YouTube for fellow Diabetics' instructions. It will save you money and stick it to the assholes trying to monetize diabetes.
It sickens me that Sir Fredrick Banting and his cohorts sold the patent for insulin for a dollar each, total sale being $4 dollars to Ontario college. They sold it so it would be affordable and accessible for everyone.
Back in 1942 Eli Lily and two other companies got in trouble for price fixing insulin. What's the difference between then and now? The government actually did its job and stepped into to stop them.
Everyone who price gouges insulin and Cgms and pumps should be ashamed.
I'm sick of being taken advantage of for an autoimmune disease I don't have a choice in. I'm pissed. I want justice.
I want a healthcare system that won't bankrupt me. I want a system that actually focuses on preventive care and not being for profit. Fun fact our healthcare has not always been for profit. You can thank president Nixon for that.
"Nixon signed into law, the Health Maintenance Organization Act of 1973, in which medical insurance agencies, hospitals, clinics and even doctors, could begin functioning as for-profit business entities instead of the service organizations they were intended to be."
Also fun fact that is when the big top three insulin producers starting raising the prices of insulin and they haven't stopped since.
So the solution to fix our healthcare system is pretty damned simple. Go back to having it be non for profit.
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jjkfire · 4 years
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if you're in America and you have a robinhood account/some other brokerage and you have like some spare change... or even a portion of your 401k (and no i don’t mean withdraw it, i mean think about the allocation of your assets/increasing your contribution amount rn) please you have to put your money to work over the next 2 weeks. 
also, first, let me preface this by saying i am genuinely sorry and my heart goes out to everyone personally affected by coronavirus. i do not intend to make the event seem insignificant, or simply brush it off.
quick mandatory disclaimer: don’t reblog bc i am not qualified to give financial advice and this is just my opinion. also, PLEASE do your homework before buying and don’t invest money you cannot afford to lose but seriously...
this covid-19 outbreak is going to cause an unprecedented economic event and I know for a fact that there will be people who will make a KILLING just from these 2 weeks alone. the economy will most likely have recovered in 2 years time and at the maximum 5 years. it will recover. if you are in your mid twenties or even thirties and below and you think you're going to be alive when you're 40 or 50. please for the love of god buy some stocks (but also please think and do your homework before buying them). think about the big companies with revenues that really won't see much decline, or will pick up after this outbreak. their stock prices will eventually bounce back. and you will be getting them at a MASSIVE discount in the next 2 weeks. microsoft is already down 20 dollars. apple is down 50 dollars!!! (and this comes only after they reported the first two community spread corona virus cases in the U.S. and i’m sure in the following week(s) there will be news of more). anyway, these were overpriced stocks, due for a correction. they will continue to decline. and........ if you think these companies are still going to be around in 10-20 years, then... need i say more? you gotta buy.
if you bought microsoft in the 2008/2009 crash due to the housing bubble, it cost at its lowest around $17, if you bought it on the bounce, when the market started to recover, it was $20 or $30, $40 for all i care. as of 28 feb 2019, friday, after a horrendous week for the Dow and S&P500, it was still at $160. can you imagine? if you bought it at $40, that’s $120 in returns. (fun fact: at its highest, meaning just a few weeks ago, microsoft was around 180-190)
if you bought $1000 of microsoft at $40 and sold at $160, you would have got $3000 in total. if you bought $986 (the closest without going over $1000) worth of microsoft at $17, and you sold at $160, you would have made $9280 total. microsoft also gives you dividends. and if you reinvested, you would have made more.
in comparison, your banks give you like at the most 3% in a savings account (and this is me being nice. chase bank gives you something shitty like 0.01%. also just so you know this barely covers inflation which is ~2%). anyway, with compound interest over a 12 year period, in a bank your $1000 becomes $1425.76 if you keep it in a savings account. That’s a $425.76 return. this versus (over the same 12 year period) buying microsoft where you get $2000 in returns (if bought at $40) or $8294 in returns (if bought at $16). not counting the dividends (okay the dividends can be used to counter off your capital gains tax and you would still have more. you don’t pay the tax until you sell anyway!)
if you wanna play safe, then you can always wait until you’re comfortable and buy the ETFs when they are down (but also this is a very good plan, regardless). in 2019 alone, the S&P 500 saw a 30% gain.... your bank maybe gives you friggin 0.01% interest. the better ones give you nothing more than 3%. meanwhile the S&P500... 30% in one year alone. (ok fine that was an exceptional year. S&P500 on average returns 6-7%). imagine if you had invested after the financial crash in 2008, and you cashed out last week. or even if you cashed out on friday after the worst week for the Dow since the 2008 crash. you still would have made a killing. not to mention the dividends you got during the time you held it for 12 years. (but typically you hold these stocks for a long, long time. even through crashes like this, if you hold it over a 20-30 year period, you 99.9% of the time beat any stock picker, investment firms, hedge funds, you name it)
and no microsoft wont drop to $17 so don’t hope for that but think about this, microsoft probably won’t be worth $180 in another 12 years either. if it went from $17 to $180 in the last 12 years. where do you think it might go in the following 12 years? tesla went from $300 to $900 in the matter of 2 weeks so who the hell knows what will happen (different situation but you get what i mean).
also, never panic sell. NEVER. fear is not an investment strategy. hold, be patient, have faith. especially if you think you’re going to be alive for the next 15 years. have a strategy. you are playing the long game. you are investing, not trading.
major, major, major point here to remember: only invest money you aren’t afraid of losing. meaning don’t put $1000 in if that’s going to make you flat out broke if you lose it and force you to sleep in the streets in the near future. this is money you think you can lose and you won’t die or it won’t make you suffer if you lose it. invest only what you can afford. but just please invest (wisely).
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Skincare/ makeup culture ☕️
oooh. i’ll divide this post into two parts: makeup culture and skincare culture.
(1.) makeup culture.
i think everyone knows that I’ve never liked makeup, mostly because I had relatively bad cystic acne throughout high school, that reacted badly to all of the makeup that my sister used (but most particularly her l’oreal foundation). I think makeup culture is particularly harmful to young girls, like the makeup youtube channels that are run by the parents I suppose of 8 year olds, where the 8yo is the actual youtuber.
like don’t get me wrong, i know young girls like playing with makeup (I actually did when I was that age, funnily enough)….. but the fact that professional or just plain fucking ridiculously expensive makeup palettes are now being marketed to girls in bloody primary/grade/elementary school, is just fucking wrong. and yeah there’s the post on here about how some younger girls are finding themselves ugly when they don’t wear properly applied makeup or something like that. and that breaks my heart. why the fuck should a young girl be made to feel ugly if she can’t blend like josiemaycosmetics (I made that up btw idk any makeup channels besides Jeffree star, James Charles and that tatti woman tbh) and can’t afford the bullshit Too Faced $98 powered foundation, $65 Sunday Riley blush (I roughly remember the price of this particular blush bc my sister bought it for me for my 20th birthday so that I could according to her “look good for uni” but I never actually used it lmao… and it’s no longer sold here in australia) and Kylie Jenner’s overpriced lip kits and idk Smashbox “photo finish” primer priced between $AU23-$AU55????
like I had this bad enough in fucking HIGH SCHOOL with my sister telling me that I’d “never get a boyfriend” or “never get a date for the formal/junior prom” if I didn’t spend hundreds of $$$$ for a good face of makeup and didn’t spend hours and hours learning how to do my own makeup. or how last year for my uni grad, she made out that I’d ruin my own uni grad if we didn’t spend $250 on the makeup artist we got for me….. where I unfortunately found out that my skin reacts to MAC products 😭😨 bc the MUA used MAC concealer and foundation. my sister also expected me to remember the setting spray the woman used for my makeup, when I was there from like 4:30am till like 6:45am and i was barely fucking awake. the setting spray probably could’ve easily cost over $100. let’s be real here. like why am I expected to remember shit that early in the morning???
one of my least favourite things with makeup culture is that you’re not meant to fuck it up in any way, shape or form. like when my sister did my makeup for my two high school formals/proms (year 10 & year 12) she constantly told me not to scratch my face while she was doing it (but it made me itchy, hooray for L’Oréal being shit lmao)…. not to fuck it up while I ate at those events….. and she didn’t let me eat before my uni grad last year bc “you’d definitely fuck up your makeup. don’t you dare scratch your face at all today!” like for someone who has hypersensitive/highly reactive skin that she has to scratch when it’s itchy….. and also loves fucking stuffing her face with food….. expecting me to never touch/scratch my face and to practically starve myself to preserve the integrity of my makeup (that i ended up paying for some in the end anyway) for an event is fucking stupid and over-restrictive.
like i always hated the way that the kardashians ate on KUWTK bc it looked so fucking mechanical and whatever bc they had to obvs preserve their makeup while shooting and also look nice for the camera. like why the fuck am I expected to eat ~like that~ when I have a faceload of MU on???? FUCK OFF. I will scratch it off. I will smear the food all over my face (ok not really) and eat however I motherfucking want, thank you very fucking much. like for my uni grad last year I was up from 4am and my grad ended at like 12:30pm….. so I didn’t have food til about 12:35 when I left the hall. and the whole time while I was eating my sister kept reminding me to not fuck up my makeup that we’d spent $250 on. JUST LET ME FUCKING EAT WOMAN, I SWEAR TO FUCK. lmao.
the last thing I hate the most about makeup culture is that like….. I absolutely hate makeup like I said above….. but once I have it on I feel pretty and cry a bit bc I’ll just never learn to do it myself…. mostly bc I couldn’t be bothered…. bc I save hundreds, if not thousands of $$$$ from not buying all the bullshit essential items you need just for a ~basic no makeup, makeup look~, and bc my hands have never been steady enough to use some of the things, like false eyelashes and eyelash curlers or liquid eyeliner/normal eyeliner….. 
but yeah. I just hate that it makes me feel pretty???? but I also feel good and more natural without it???? and I’ll never like my sister’s comment that: “you’re the prettier one out of the two of us…. but if only you hurried up and learnt to do your makeup, you’d be even prettier” or some dumb semi-condescending shit comment she’s said to me like that before. like why is the only way a woman can be pretty (other than some clothes that make her feel good) by smearing 100s/1000s of dollars worth of makeup on???? like why the fuck am I expected to spend all that money when a good bulk of men will never bother with the male makeup trend anyway???? like why am I expected to act differently when I basically just have grown up face-paint on lmao???? I’ve never felt natural in makeup, I’ve always felt awkward and like…. not sound like an cringey edgelord emo kid…. but i never felt ~real~ wearing makeup lmao. just yeah.
but yeah I also understand makeup is an art and I appreciate that. makeup culture is so fucked on all sides for women.
(2.) skincare culture:
now skincare culture is different for me. considering that, like I said before, I had relatively bad cystic acne…. and I’ve since also developed eczema during the winter months….. so I’ve had to develop a good skincare routine over the years to keep my skin under control. but again, there are parts that I don’t like about skincare culture…. like women are typically meant to spend, again, hundreds and if not thousands of dollars on super expensive skin creams (some of which I’ve tried) to fix their fine lines, their laugh lines, their crows feet, their blemishes, their birth marks and cellulite…… the list truly goes on and on….. and on top of that (well this hellsite which isn’t entirely accurate) I’m, or we as women, are expected to teach all of that to men in their 20s???? like fuck off. why and how the fuck didn’t they get the fucking memo to look after their own goddamned skin???? like my 20s are already tiring enough, and now I gotta pass on important skincare advice to men, who could easily fucking find it themselves online???? lord help their asses lmao.
but other than the men bit…. yeah skincare culture is just as bad as makeup culture. like when Cosmo mag was still running in australia, more than half of the shit the women at Cosmo were advertising as part of their skincare routines were literally $300 night treatment creams or moisturisers; $150 facial cleansers; or $500 skin peels, or $600 appointments at dermatologists and skin therapies like electrolysis that I’ll probs never be able to afford. like one of the luxury brands that I LOVE (💖) is Mario badescu bc the two pimple treatments that i sometimes I use from them (the drying lotion and the anti-acne serum) are the ONLY two acne treatments that have NEVER made my face turn red and my skin peel off (besides a really good neutrogena one that Neutrogena discontinued 😭). every other chemist bought pimple treatment cream makes my skin peel off/itchy/turn red. but sadly the two Mario badescu treatments are priced over $50 if bought together (ones now $31 (formerly $28, this one’s great bc it dries clear), the other is like $26, this one dries pink). so the chemist bought ones like the ones by Clearasil or OXY10 are my saviours at $11.99-$12.99, even though they dry out my skin to buggery and leave big white marks on my face bc they both dry white lmao. but I’ve gotta suffer that for the price of beauty lmao.
also there’s expensive face washes (or skin care program packs etc) from Paula’s choice that I love.... but again they were like $35 for a 400ml bottle and $25 for a fucking 150ml or 250ml bottle. now the one i like is $20 for 177ml, which is a rip off. some of the other luxury things that I’ve tried (via free samples) that don’t work, like Kate Somerville (priced at like $65 and over), Philosophy and god knows what else that i’ve bought from Mecca Cosmetica, which is the Aussie version of Sephora in the past. and yes, for acne treatments, i’ve used pro-activ before. it was ok… but i never used it in high school, after the awful time we had trying to cancel our subscription to it back in the day for my sister lol.
also can we talk about the ultrasonic face brush systems that are still raging strongly??? like they’re also super rip offs, especially with buying replacement heads for $35 a pop. like I’ve had a Clarisonic for years (that I’ve stopped using, admittedly)…. the model was roughly $250 when I got it for my like 19th birthday. now they’re even more expensive at like $315 for the latest “clarisonic mia fit cleansing system” which is linked on the $315. or now there’s the foreo that costs anywhere between $75 (the cheapest model) to fucking almost $400… ie $395. the replacement heads for the clarisonic and i suppose replacement like pads or something for the foreo are meant to be replaced every three months “for optimum cleansing” or whatever. like $35 every three months is a lot to maintain after a while. also using the clarisonic added like 10 extra minutes to my showers/general skincare routine bc you’re meant to use it for five mins or whatever and then spend another 5mins washing it out to make sure that it doesn’t collect mould and buildup too much soap residue. it was just a lot of effort to use, even if it did make me feel like i had a better and deeper face washing routine.
and yes, i know there’s Lush. both my sister and i (but more my sister) were obsessed with Lush back in high school, after one of our sydney cousins introduced it to us. but Lush’s skincare stuff for pimples just never worked for us. it made me breakout more, actually. but their old apple pie and choc-orange lip balms were the BOMB. it’s a pity that they no longer make them tbh. their jelly soaps were fun to use and smelt nice too. i can’t remember much else about lush tbh lmao.
for face masks, i’ve found that store/chemist bought formula 10.0.06 or whatever works the best for my skin. but the push, especially again in cosmo and other places, to buy more expensive face-masks and like designer FMs that you should really ask a professional to use first imo, is fucking harmful, especially when you’ve got ones that take off the whole top layer of skin from your face (like the famous and the overly popular charcoal face peel masks), or so i’ve read. like it’s yikes out there. please be safe with these masks, ya’ll. and the same goes for making your own organic face masks, considering that i’ve seen posts on here about using lemon juice which is bad for your skin??? idk anyway. i also hate how with the face masks i buy, there’s about 6 different “skin-illuminating”/“skin brightening”/”skin detoxing” etc masks, that all essentially do the same fucking thing. just keep it at one and fucking go; for gods fucking sake lmao.
but yeah, skincare culture does suck just as much as makeup culture, considering that is heavily focused on women’s self-esteem and wallets…. and barely ever focuses on men. like it’s a double-edged sword tbh.
also as side notes: why the actual fuck are makeup companies still giving their makeup shades or makeup lines sexual names???? like i just found a fucking blush shade by NARS, in my research for this post, called “Orgasm”???? like what the FUCK is wrong with ya’ll??? like y’all actually have the fucking AUDACITY to really make 8 year olds say that in their makeup tutorial videos as well??? “our best selling orgasm collection” sweet lord. that sounds bad. y’all need to sort your shit out, and so do the people who name nail polish shades.. 
the other worrying general beauty trends that i keep getting on my facebook newsfeed are the teeth whitening systems like hismile and at home laser treatment machines… and then also the charcoal toothpastes to whiten your teeth. oh and also the facial skin “vacuums”, that suck out dirt/oil and your blackheads/pimples etc from your pores. stay safe out there everyone, and do your bloody research. don’t believe the reviews and the hype.
also finally: take your skin type and skin condition/(s) into account if you want to use any of the things that I’ve mentioned that I use/have used on this post. or that I’ve just generally mentioned, like the Clarisonic and the foreo. because what works for me, might not work for you. I’m not a skincare expert or dermatologist. check with your doctor or a skincare professional or whatever before you start using some of these things, even if you might think that it’s stupid & pointless to do so.
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financiallymint · 6 years
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Students: I Challenge You to Earn an Extra $1000/Year
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Very excited to be sharing this guest post by Tom from This Online World on side hustles and earning extra income. A fellow student all the way in Canada who’s passionate about online marketing, passive income and even crypto! He has a great hustle mindset and his website has a lot of good info on money hacking and earning a bit more $$ – you gotta check him out.
The article is written in dollar signs $$, but simply change the currency and it works just as well. What’s important is the idea!
Starting your own side hustle is one of the coolest ways to increase your income: it’s basically growing your own little money baby.
However, when it comes to the actual work, it can be difficult to know when or how to start. From finding extra time to securing side hustle opportunities, getting the ball rolling on your extra income generation journey requires time and some thought.
For students, it can be especially difficult to find the time or correct side hustle opportunity. Assignments and exams can occupy most of your day, and the nature of student life often equates to a less than stable financial situation.
I am currently in my last year college, and I’ve certainly had my share of cheap beer, instant Ramen, and a lonely bank balance.
However, whether you are in school or employed, wealthy or just making ends meet, skilled in a craft or a complete novice, it is possible to start a successful side hustle that makes you an extra $1,000 a year.
Don’t believe me?
Well, here’s the mindset I want you to approach this side hustle challenge with:
You have 12 months in a year to make an extra $1,000.
That means you only have to make about $85/month of additional income with your side hustles.
When you think about making an extra $1,000 a year as only having to earn an extra $85 a month, it doesn’t seem so daunting.
Personally, I take 1-2 days out of every month to dedicate towards my various side hustles.
It doesn’t matter if you take on a variety of side hustles or stick to a single job. As long as you take an active approach to making more money and stick to a plan, you can succeed.
Let’s take a look at 12 possible side hustle ideas that you can do once a month to make an extra $1,000 a year.
Idea 1: Content Writing Gigs
I’m a staunch supporter of working online to earn extra money, and content writing is always my first recommendation (especially for students).
Content writing can expand your skill set and open the doors for future employment or freelance opportunities (looks great on a CV!). Additionally, content writing jobs are often remote and have incredibly flexible working hours.
I’ve written content throughout my college years, and there are a number of ways to approach securing a content writing side hustle:
Look on job posting websites for companies that are seeking freelance writers (Indeed.com, LinkedIn, Monster.ca are some great ones).
Post your own advertisement on your local job boards or online marketplaces. Offer your content writing services to local businesses in your area!
Create gigs on online websites like Fiverr. There are many freelance writers who use Fiverr to generate income, and most price their content at $5-$10 for every 500 words of content.
Most content writing jobs won’t require you to be an English major or have an extensive portfolio. As long as you are a decent writer, you should be able to find work that pays between $10-$15/hour without a problem!
Idea 2: Get Busy with TaskRabbit
Let’s face it: no one really enjoys chores. However, every job someone doesn’t feel like doing is another side hustle opportunity that can make you some quick side income!
TaskRabbit was started to provide a secure task-based marketplace. By becoming a Tasker on TaskRabbit, you can set your own hours and choose to complete various tasks people are requesting for payment.
Common tasks on TaskRabbit include:
Yardwork.
Moving and packing services.
Furniture assembly.
Home improvement.
General handyman services.
The work you complete on TaskRabbit won’t be glamorous, but it typically pays well (and you are able to set your pay range). Chances are, you could spend a few hours helping someone move or do some yard work and easily walk away with $100+.
Idea 3: Food Delivery
Whether you work for Just Eat, Skip the Dishes, Grub Hub, Uber Eats, Deliveroo or some other delivery service, making money by delivering food is a simple but effective method for making some extra cash.
If your car isn’t too old, simply register to be a part-time delivery driver for a popular delivery service in your town.
You can set your own hours, and it will only take you a few deliveries to make your monthly target of $85. Depending on your town, people might tip slightly more or less, but a single night of work should help you reach that $1,000 a year goal.
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Idea 4: Help your Landlord
3 college buddies and I moved into the most grungy, decrepit old student house around town when we started school.
However, part of me is really glad we did. Besides the fact that student living can be hilariously awful, I was also able to find some odd jobs and make a few extra hundred dollars simply by asking my landlord if he needed help.
Hiring professional painters, repairmen, garbage removers, or cleaning services is expensive.Hiring desperate students is not.
Trust me when I say landlords always have projects on the go. Whether you are currently renting or not, finding occasional work for fixer-upper projects is not difficult. Reach out to landlords or look online, and spend a day painting, tearing up carpet, fixing holes in the wall, or cleaning a place.
You can earn an easy $100-$150 for a day of work, and you’ll probably walk away with a newfound appreciation for your own home.
Idea 5: Busk
If you play an instrument or can sing fairly well, busking might be the right side hustle for you!
My housemate and I spent several weekends playing guitar on the street corner of our local downtown scene. We’re ok players, so busking provides us with a great way to bond, practice our songs, and also earn a simple $20-$30/each for a few hours of enjoyable music.
You don’t have to be an incredible musician to busk. However, you will need the ability to get over stage fright. Personally, I prefer busking with my friend since I don’t really want to go alone. But I still find busking to be an enjoyable way to make extra money for something that I would do for free anyway.
Just make sure your town or city doesn’t require a permit to busk (or obtain a permit if you need to).
Idea 6: Tutor
Have you ever looked back at high school/elementary homework and realized just how easy it is (shout out to our developed, adult brains).
Well, if your town or city has a few high schools nearby, chances are you can find some part time work tutoring students in math, science, or languages. In my school, tutors were regularly paid $15-$25/hour by parents, especially in more advanced subjects like calculus or chemistry.
If you have a knack for school and enjoy helping others, tutoring might be the right side hustle for you! Plus, most tutoring sessions only last 1-3 hours, so you can make some quick and easy side income without spending too much time!
Idea 7: Babysit
If you like babies and kids, babysitting is an excellent way to make extra money every month. Half the time the kid will be sleeping, so you’re pretty much getting paid to do nothing. Sounds like a dream!
Popular websites like SitterCity have made working as a babysitter (in the U.S.) incredibly easy. However, if you aren’t a U.S. resident, you can always post your own advertisements on local job boards or just ask around town.
Many of my college friends have been babysitters throughout their life, and it’s a great way to make additional income. Even if you only work for 1 family, you can probably make $85 a month from babysitting once or twice (depending on the length of the job).
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Idea 8: Drive with Uber or Lyft
This is a similarly straightforward idea to delivering food (except you’re delivering people). If you have a car that meets Uber or Lyft’s requirements, you can just drive one day of every month and make extra money.
Uber or Lyft might not be a great long term solution due to variability in available rides and the hidden cost of every kilometer you drive (repairs, oil changes, wear and tear), but it isn’t a bad side hustle to do once in a while.
Ideally schedule your driving session around a busy time where you can benefit from surcharges!
Idea 9: AirBnB
I have two friends who have been dating for a couple of years and live in an apartment together. Their place has 2 bedrooms, so once in a while they rent out one of the rooms on AirBnB for the weekend to make some extra cash.
They don’t particularly enjoy having company over, so they usually schedule their AirBnB weekends around times they won’t be home often or there’s an event in town that their visitor will most likely be attending. In any case, it’s an incredibly straightforward way to make $200+ for a weekend of hosting.
If you live in a major city, using AirBnB to make some extra money every month should be even easier. All you need is a decent space, price level, and advertisement on AirBnB.
Idea 10: Reddit ForHire
Reddit is an incredible community, and also presents budding entrepreneurs and side-hustlers with money making opportunities.
r/forhire is one of my favorite subreddits, and it’s exactly what it sounds like: a job marketplace. Users can either post ‘hiring’ or ‘for hire’ posts that outline specific work and skills that are being sought after or offered.
Some of the most popular jobs on Reddit For Hire are:
Graphic design.
Programming.
Content writing.
Video editing.
Tutoring (especially in languages).
Advertising/marketing consulting.
If you have experience in any of these field or have another service to offer, definitely check out Reddit!
Idea 11: Dog Walking
It’s funny how many people buy an adorable companion only to realize they don’t ever want to actually walk it.
Dog walking, like babysitting, is a great way to make extra income just by taking care of a living thing. If you are good with dogs and enjoy the outdoors, consider walking dogs once or twice a month!
Popular dog walking apps include:
WagWalking.
Swifto (New York City only).
Rover.
Care.
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coolest side hustle IMO
Idea 12: Slogan Slinger
While this isn’t a concrete side hustle, I couldn’t resist including something fun in this list.
Slogan Slingers is a website where companies request ideas for their next great slogan and have users deliver them the answer to earn money. For example, a plumbing company might post a contest for $250 that explains what kind of slogan they’re looking for, and users can submit up to 3 entries to try to win.
If you win, you get the money. If you lose, nothing happens! The website isn’t incredibly popular, but there is usually a new contest available every other day. 1,000-2,000 people usually enter a contest, but if you have a knack for marketing, it could be a fun website to visit.
I’ve only been slogan slinging for 1 month and haven’t won anything yet, but I plan to keep at it!
Okay, What’s an Extra $1,000?
You might be wondering what’s the point of working side jobs to earn an extra $1,000 a year, but you’d be surprised at how much you can accomplish with an extra $1,000 in your bank account.
Thinking of investing, but never had enough saved up to take the first steps? Use your thousand dollars.
Want to help ease the sting of utility bills and rent? Use your extra thousand dollars.
Or, want to start your own business but need a bit of extra cash to start out? Well, you now have an extra thousand dollars.
I hope you have found this side hustle challenge to be inspiring and provide some effective job opportunities to get started! As long as you take active, baby steps towards generating additional income, you can easily reach a goal of an additional $1,000/ear or surpass it completely.
Best of luck in your side hustle journey!
Read more like this over at Financially Mint
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rohobi · 6 years
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Pretty Woman | (B)
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PAIRING— kim namjoon x reader, Pretty WomanAU GENRE — fluff, smut, angst SUMMARY — based entirely off the 1990′s film ‘Pretty Woman’. Nothing below is my original work, all credit goes to the movie. Kim Namjoon is a wealthy businessman who arrives in Hollywood to meet with a tycoon of a shipbuilding company he’s in the process of raiding. Lost trying to find his hotel, he meets you, a feisty and straight up prostitute on Hollywood Boulevard. 
↪ A/N: I am appalled by the amount of youth who have not seen this film. I have linked the film for your viewing pleasure here because it’s a fucking classic.  Otherwise, just read this lmao complete summary of the movie. 
During a phone call with his younger girlfriend, she dumps him for being too controlling. Namjoon is frustrated and sick of the women in his life only after one thing; his money. Not taking her seriously, he rolls his eyes and asks her to escort him home -as he doesn’t live in LA and this is her playground. “This is a very important week for me darling, I need you at every moment. I thought my secretary cleared you?” 
“You never give me any notice and I speak more to your fucking secretary than I do with you.” 
“I am sorry if I made you upset, this deal is very important and I need you here this minute, please if you could-
She hangs up on him after telling him to “fuck off Namjoon, I am not your beck and call girl. I’m moving out, when you get back to New York, my stuff will be gone.” Putting the phone back into his suit pocket, he slumps against the bar, drinking the rest of his coke. 
Kim Namjoon finds himself accidentally ending up on Hollywood Boulevard in the city’s red-light district in his lawyers Lotus Esprit sports car, after forcing him to give him the keys. Not thinking his actions through, he speeds up the hill instead of down, where Beverly Hills is located. 
Forced awake by the three alarms clocks, you pull yourself out of your makeshift mattress on the floor and get ready for you shift on the streets. Wearing thigh high leather boots, a small denim skirt, a white tank, short blonde wig and a train conductors hat, you walk to work. 
Except, your landlords banging on your door for rent, stopping you from leaving. Opening the back of the toilet compartment for this months rent, you find the box where you kept your rent money empty.
Sighing. You put it back into the compartment as your landlord continues to bang on your door. Grabbing a red coat, you open the window and escape from paying rent with money you don’t have down the fire escape. 
You’ve always loved Hollywood at night. Busy streets, the distant sound of police sirens, homeless men in expensive threads offering advice on the key to happiness. 
But tonight, it’s different. Detective Albertson, the usual cop on these roads is interviewing men -key witnesses. It looks like another ones been killed -drug deal gone wrong. It’s been happening a lot these days, it’s a reason why you’re thankful that you’re strictly against drugs, never letting yourself sink to that low. 
Hooking was enough. 
Only when you get close, you realise it’s not one of the boys but one of your own.  
Slipping past the police, you walk into the alleyway as police attempt to identify the body. You silently lean over the man holding the camera as they cover her body. 
Marie. 
She was only 18, had a bright future ahead of her. You hadn’t seen her in weeks. Had she been in the dumpster this entire time? 
“Another kitten on the streets buying crack like it’s milk, the fuck these kids doing these days,” a police officer says, almost a little too passively. “How many girls are we going to find in the dumpster this week?” 
Feeling vomit rise up your throat, you run across the road to Irene’s usual hangout. You love your roommate usually but today, you’re angry. Fist bumping the bouncer, he lets you in as you walk through the mostly red lit club. Walking up to the bartender, a familiar of yours, he grins. “Nice to see you this evening, run out of books?” 
“Had to use them as kindling,” you smile back. “Hey pops, you know where Irene is?” 
He nods his head to the stairs. “Upstairs kid.” 
“Thanks.” 
You spot her in the far corner, combing her hair. “Irene.” you shout over the music. She looks up, happy as fucking larry. “Hey, y/n.”
“Did you take it all? Is it all gone?” 
She looks nervous, standing up, she shouts. “Carlos sold me some good shit, we just had this great party I hosted-
-I can’t believe you bought drugs with out rent money, whats wrong with you?” You interrupt her, hands on your hips. 
Her eyes glisten with tears. “I needed a little pick me up.”
You shout at her. “Well, we need rent money.”  
Grabbing your arm, she pulls you down to the bar for snacks. She gives you the same look she gave you when you knocked on her door 8 months ago. “I gave you place to say and some money, don’t irritate me.”
“I just saw a girl get pulled out of a dumpster for buying drugs Irene.” 
She puts a couple grapes in her mouth. “Yeah, I know. Marie. She was a crackhead for months. No one could help her.”
Girls fight in the distance, you both watch them crash to the ground in nonchalance. “Look Irene,” you whisper, facing her. “Don’t you want to get out of here?”  
“Where, where the fuck you wanna go?” 
You sink in your chair, “I guess, anywhere but here.” 
Namjoon can’t drive the sports car. That he knows well as he pulls up next to a homeless man carting through someones rubbish. “You know how to get to Beverly Hills?” he asks, leaning towards the window from the drivers seat. 
The man laughs. “Honey, you’re in Beverly Hills right now!” 
Namjoon drives away. “Of course I am.” 
Irene leans on the parking metre as you rub your heel against your designated Hollywood star. “Maybe we should get pimps?” she asks and you snort laugh your way to Africa. 
“And what, ruin our lives and he takes all of our money? No way.” 
She nods. “You’re right. We say who, we say when and how much.” 
A car skids behind them. Irene gasps. “Yo, catch this out.” 
“Wait a minute, that’s a lotus?” you gasp, watching it skid to a halt on the curb a couple metres away from you.   
“No baby, that’s rent. You should go for him. You look hot tonight. Don’t take less than a couple hundred. Call me when you’re done. Take care of you.” she pulls you into a hug. 
“Take care of you too.” you say back. 
In his confusion with how to drive the car, he skids over to the curb where he encounters a prostitute by the parking metre, you. 
“Sugar, you want a date?” you ask. Leaning on his open window, you watch in amusement as he tries to remember how to turn the car back on. “Do you not know how to drive your car, sir?” 
”Driving this car is the least of my worries, do you perhaps know the directions to Beverly Hills Regent Hotel?” he asks, turning back to you. You admire his stunning brown eyes and reassuring grin. 
”Do I perhaps know my own city?” you snort, chewing your gum, you look him up and down. Not bad. “I know it like the back of my hand. It’s gonna cost you $5 though.” 
“That’s ridiculous-
“-price just went up to $10.” 
He stares at you in disbelief. “You can’t charge for directions.” 
“I can do whatever I want to baby, i’m not the one lost.” 
"Alright fine. Please, will you help me? Can you guide me there?” he begs, holding his two hands up in a praying expression, a twenty hanging between them. 
You hop in. “Alright, down the road, make a right.” 
“So what’s your name?” he asks. 
“Anything you want it to be?” you wink at him. Namjoon stares at you, still waiting for a name. 
“Fine, my name’s Y/N.” 
After much discussion on how to drive the expensive sports car, it becomes clear that you know more about the Lotus than he does, and so he lets you drive instead. 
“This is gonna cost ya,” you mumble, spitting out your gum on the sidewalk as you run over to the drivers seat. “Never driven a car in thigh high leather boots before.” 
“I’ve never let a hooker drive my car before, new experiences for both of us.”
You snort laugh. “It’s gonna cost ya another $20. I’m sure you have the much on you, right?” 
He gapes at you. “Of course.” 
“So, tell me. What kind of money you girls make these days?” he asks, folding his coat on his pocket as you drive. 
“I don’t take less than a couple hundred dollars.” you lie, clutching onto the wheel. Your usual was 100 but, he looks rich. 
He gapes at you. “A night?” 
“An hour.” 
“You’re making that kind of money an hour and you’ve got a safety pin holding your boot up? You gotta be joking.”
You look at him seriously. “I never joke about money.”  
“Neither do I.” 
You drive through the night life silently. “$200 an hour, pretty stiff.” 
Without taking your eyes off the road, you put your hand on his crutch. Softly palming him through his suit pants. “Well, no but it's got potential.” 
He looks up at you with a blank expression. You put your hand back on the wheel and grin. 
Namjoon gives you a $50 note for the ride after you park his car outside the hotel, and then you separate. 
Re-calling his girlfriend one more time, or more accurately, his now ex-girlfriend, she screams at him to get a hooker and to leave her alone. 
He slumps himself against the elevator and then he looks out the window from his hotel penthouse room in thought. Maybe he should get a hooker. 
You go to a bus stop, where he finds you again moments later and offers to hire you for the night. You accept, needing the rent money and he hands you a roll of money in his hotel room. You lick your fingers as you count over $1000 dollars. Your heart races as you put the money in your boot, thats more than enough for rent for a couple months and a little extra for school. 
Pulling out your collection of condoms from your boot, held up by the safety pin. You offer him one of each colour, ready to put one on him when he stops you, asking to instead just simply, talk. 
Excusing yourself to the bathroom, you tell him you’ll be out in a moment and that the wine they just had really got to you. Thinking you to be taking drugs, he barges through the door as you hold dental floss behind your back. “I don’t do drugs, I just think you shouldn’t neglect your gums.” 
He stands at the door. 
You stare at him in the mirror. “Are you going to watch?” 
“No, it’s just,” He shakes his head. “Very few people surprise me.” 
“Well yeah, you’re lucky. Most shock the hell out of me.” 
Later on that night, he’s at his desk finishing up on his documents and you’re on the floor by the tv -boots off, eating strawberries and popcorn, and watching old movies. He sits on the couch beside you, dropping all of his paperwork to instead watch the way your smile lights up your face when something funny happens on TV. He finds it refreshing.  
Spurred on by the intense look on his face, you climb to your knees and crawl between his thighs. Rubbing your hands up his thighs, you palm him without breaking eye contact. He tries to kiss you but you hold a finger on his lips, informing him of your no kissing rule. 
You give him a blow job that night, and he falls asleep on the couch when he’s done. You run to his bedroom and fall asleep on the most expensive bed you’ve ever touched. 
You have the best sleep of your life. 
The next morning, you awake to a full table of breakfast. Namjoon didn’t know what you liked so he ordered everything from avocado on toast to bacon and eggs. 
Wearing a matching bathrobe, you sit beside him. He’s surprised by your natural hair, in fact, he thinks you look beautiful as you eat the toast with your hands. You ask him about his life, feeling overwhelmed over just how articulate and rich this man is. 
You liken his job of buying companies in financial difficulties and then selling them off to stealing cars and selling the parts. Namjoon begins to look at his business in a new light. 
Listening to music and singing in the bathtub that morning, Namjoon receives a call from his lawyer, Jackson, that insists he brings a date to the business to act as a buffer. Offering a laundry list of nice girls he knows, Namjoon cuts him off, smiling at you in the bath tub. “You don’t know any nice girls and besides, I already have one.” 
“Y/N,” he says, and you pull out the earphones, feeling embarrased over your moment of careless bliss. “Sorry, I love that song.” you whisper.  
“Y/N, I have a business proposition for you.” 
He asks you to play the role his girlfriend has refused, offering you $5,000 to stay with him for the next six days as well as paying for a new, more acceptable wardrobe for you. 
He gives you his credit card, requesting that you only purchase clothes that are elegant and conservative. He leaves not much later and you scream to your hearts content, jumping on his bed in celebration of $5,000! 
Picking up the phone you call Irene, and you both scream into each others ears. Holding up his card into the sunlight, you ask. “Where do I go for the clothes?” 
“Rodeo Drive baby.” 
You leave the hotel with the same clothes you walked in with, gaining the unwanted attention of men and scowls from women in the main lobby. Walking down Rodeo, you marvel at the expensive threads in windows before you look back at the card in your hands, kissing it. 
You enter a designer brand with a nice dress out front. Each customer service representative in the room, look at you in distaste. “Are you looking for something in particular?” a woman asks, following you as you look at the clothes. 
You smile at her. “Yes actually, something conservative but I don’t know really.” 
“Oh, conservative yes.” 
You hold the hem of a pretty lace dress. “I like your clothes here, nice stuff. How much is this dress here?” 
“I don’t think it would fit you.” 
“Well, I didn’t ask if it would fit, I asked how much it was.” 
She turns to another customer service rep. “How much is this Mary?” 
Mary crosses her arms across her chest. “It’s very expensive.” 
“Very expensive.” 
You turn to look at other clothes. “Look, I have money to spend here.” 
Mary cuts you off from looking at a dress. “I don’t think we have anything here for you,” looking you up and down, she adds. “You’re obviously in the wrong place. Please leave.” 
Leaving the store silently, tears glistening in your eyes. You walk back to the hotel, disheartened by the woman in this world. Walking through the lobby, you are stopped by a soft-hearted Hotel Manager, Barney, who asks that you dress appropriately in his hotel. 
You cry your heart out, telling him that is what you were trying to achieve today.  He asks what you were trying to purchase. You tell him that you were trying to buy a dress for a dinner this evening. 
Walking around the desk, he picks up the phone. You immediately think he’s calling the police but are instead relieved to hear that he’s calling Womens Clothing just for you. 
“I’m sending Y/N over to you, she is the very special family member of a very special guest here at the Beverly Hills Regent Hotel.” 
You smile, feeling the kindness from an otherwise strict man. 
Now having a dress for the evening, you ask Barney, the hotel manager to teach you etiquette. He spends a couple of hours of his own free time to teach you. Still confused by the silverware, he advices you to follow after Namjoon’s lead. 
“The rich just make it more difficult for themselves don’t they?” you snort laugh, picking up the many forks on the table. 
That evening, you sit at the bar in the lobby wearing a black cocktail dress. Visibly moved by you transformation, Namjoon begins seeing you in a very different light. Openly gaping at you as you walk up to him, you chastise him for being late. “You’re late Mr. Kim.” 
“And you are stunning.” 
The dinner is intense. You don’t know an awful lot about his business but he tells you on the way to the restaurant that this is a company he wishes to purchase, sell off and make lots of money from. Even potentially gaining a billion dollars.  
You ask him what the point is when he doesn’t do anything with the money. He laughs, holding you close to him. “I bought you for the week didn’t I?” 
“That is correct but I am a dollar in the sea of billions.” 
He thinks on that as he walks you to the table where two gentlemen await; a father and his adult grandson. As the dinner continues, the men admire your innocence, even comforting your lack of knowledge on the food and type of silverware to use. 
As you try to eat, the discussions get heated as they ask what Namjoon plans to happen to their family company. He is honest, tells them he plans to break it apart and sell the pieces. 
They are understandably hurt. 
You are understandably confused on how to use the apparatus to eat the snail escargot, whatever they called it. At the peak of anger, the snail flies out of your hands and into a waiters arms. It’s a welcomed distraction, as the men laugh but it doesn’t downplay the serious business at hand. 
Namjoon is called a bastard who uses corrupt politicians to his advantages.
The men wish you well as they leave. 
“We are similar creatures Y/N,” he says, walking you back to his hotel room. “We both screw people for money.” 
Later that evening, Namjoon has disappeared and hasn’t come to bed, its now 3am. Getting worried, you call the hotel elevator service if they have seen him. In nothing but a bathrobe, they take you to the hotels piano room where Namjoon has slumped himself over the keys to play a passionate piece.
You lean against the piano.
Namjoon stops playing, asking everyone in the room to leave. 
Grabbing you by the waist, he pulls you against the keys so you stand before him. Leaning his head on your stomach, you tangle your fingers through his hair. “You okay?” 
Saying nothing else, he unties your bathrobe to run his fingers over your lingerie. Lifting you up and onto the piano, you whisper. “I guess so.” 
He tries to kiss you but you pull away. 
Not letting it ruin the moment, he lays you down on top of the piano. Eating you out. The soft sounds of mismatched piano keys are the only thing heard from outside the room. 
The next day, he takes you shopping and oh boy do you get your revenge on those nasty girls from the day before. Spending thousands on clothes for you, Namjoon informs you that people are never kind to other people, they’re only kind to money.
You remember this as you walks into the store from yesterday in nothing but Chanel from head to toe, holding up bags from the likes of Gucci and Prada. “Hi,” you say, walking up to the same woman from yesterday. “Do you remember me?” 
“I’m sorry, I do not.” 
“I came in yesterday, you wouldn’t wait on me.” 
Walking around the store, you smile. “You work on comission right?” 
“Ah yes.” she says. 
“Well, big mistake. Huge mistake,” holding your bags, she looks at the labels on each, a gasp tears through her lips. “I have to go shopping now, goodbye.” 
You leave the store with a swing in your hips. The ladies watch on in disbelief. 
In his office, Namjoon is told if he makes one single phone call to the bank, he can ruin the family business owner he met last evening. He ignores Jackson as he talks about money, as he mindlessly stacks glass cups on each other. 
Namjoon is uncomfortable with the idea that he doesn’t build or make anything like you asked him if he did. Growing increasingly uncomfortable with a company that tears smaller ones apart, he gets an idea that might just change the entire course of his life. 
Back at the hotel, you await beside a candle lit dinner naked. Namjoon comes home and with a happy face, asks that you bathe together, hoping to wash away the grime he feels like he is. 
Namjoon takes you to a polo match in hopes of networking for his business deal. His attorney, Jackson, suspects you as a corporate spy, and Namjoon tells him how you truly met after watching you converse with another man. 
He’s ashamed of the jealousy he feels. 
But when he sees you smile so widely and it’s not because of him, he’s baffled. When had you gotten so close? 
Jackson later approaches you, suggesting they do business once your work with Namjoon is finished. Insulted, and furious that Namjoon has revealed your secret, you want to end the arrangement.
Namjoon apologizes, and admits to feeling jealous of a business associate to whom you paid attention to at the match. You fight in the hotel lobby, yelling at him for making you feel the cheapest you’ve ever felt in your life. 
“Somehow, I find that hard to believe.” 
You shake your head, dismissing his comments. “I wanna get my money and get outta here.” 
He stares at you for a long hard minute before emptying his wallet and walking away. You stare at the money before deciding not to take it. Namjoon chases after you as you’re about to get into the elevator. 
He sincerely apologies and you let him take you back into the room.  You sleep together that night, staying up late, talking about each others lives. You tell him how you got into hooking because you followed an old exboyfriend who abandoned you in the city. 
You couldn’t make rent after working three jobs and then you met Irene, who took you in and made hooking sound great. “The first time I did it, I cried the whole time. It’s not like it’s a star profession, a dream, something kids grow up wanting to be.” 
“You could be so much more.” he whispers, kissing your temple. 
You cuddle into his naked chest. “But then people put you down when you start to believe that.” 
“I think you’re very bright, a very beautiful and special person.” 
“You ever notice that the bad things are easier to believe?” 
He doesn’t nod but agrees with it wholeheartedly. 
Clearly growing involved, Namjoon takes you in his private jet to see La Traviata in San Francisco. Jackson isn’t too happy about him leaving in the middle of this deal for date with a hooker. Namjoon holds back, telling him to be careful with his word. 
In a perfect red dress with a necklace worth a quarter of a million dollars, you feel like a princess. You are then moved to tears by the story of the prostitute who falls in love with a rich man. 
You break your "no kissing on the mouth" rule for him and then, you make love with Namjoon. After that, you two are constantly together. 
On dates. 
Kissing. 
Having sex. 
And in the aftermath of it all, when you’ve spent your last day with him, you tell Namjoon that you love him, but he does not respond. Your heart breaks for the first time but you knew he’d never love you back. 
You’re just a prostitute in a nice dress. 
Namjoon offers to put you up in an apartment so you don’t have to pay rent and so you can be off the streets. Hurt at his charity, you refuse, saying that this is not the "fairy tale" you dreamed of as a child, in which a knight on a white horse rescues you. 
Meeting with the tycoon whose shipbuilding company he is in the process of trying to obtain. Namjoon changes his mind. He doesn’t want to be someone who destroys things, but someone who builds things, makes them better. His time with you has shown him a different way of looking at life, and he suggests working together to save the company rather than tearing it apart and selling off the pieces. 
Jackson is furious at losing so much money, goes to the hotel to confront Namjoon but finds only you. Blaming you for the change in Namjoon, he attempts to rape you. Namjoon arrives just in time, punches him and throws Jackson out of the room.
You cower behind the couch, a bruise on your face from where Jackson had hit you. He stares at your doe eyed expression in apology, feeling his cold dead heart race. 
With his business in L.A. complete, Namjoon asks you to stay one more night with him -- because you want to, not because he's paying you. 
You refuse. 
Then you part ways.
You never accept his payment, choosing to leave the money behind. Namjoon holds the $5,000 in his hands feeling lost and empty. 
Taking the clothes however, is a completely different story. Sweeping the streets clean of your hooker friends, you give them an outfit each and encourage them to all apply for jobs. They all give you money for the clothes -enough to sustain yourself for a couple of months. 
After each of your friends receive interviews, you teach them proper social etiquette and how to look strong in front of employers. 
“How do we turn our experiences into strengths,” one woman asks. 
You grin. “You got any talents?” 
“I guess, I can blow two guys at the same time and watch the clock in the corner of my eye? Does that count?” 
Crossing your arms over your chest and then your legs, you sit up straight. “Honey, you can multitask well and you work in a timely fashion. Next?” 
“I strictly only have threesomes? There’s more money.” 
Leaning forward, you laugh. “Easy, you’re a team player. You work well in a team to ensure a good financial gain to the company and you work only for a positive result.” 
The girls sink into the chairs, laughing wildly at the prospect of this actually working. You open up a business to get people off the street and into jobs, and at first it works and then, it really works. Money starts pouring in from donations and familiar investors but it’s not enough to keep a roof over your head. The prospect of becoming homeless scares you more than you’d like to admit. 
Across town, Namjoon re-thinks his life as heads to the aiport back to New York and has the hotel chauffeur detour to your apartment building, where he leaps from out the white limo's sun roof and "rescues you", an urban visual metaphor for the knight on a white horse of her dreams. 
So what happens after he climbed up the tower and rescues her?  She rescues him right back.
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tuesday5econlive · 4 years
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Economics Stock Diary
Intro:
These are the diary entries that I wrote during my initial days of being an investor. I’ve been an investor since January of 2020 and I have decided to write a personal diary to reflect and to read when I am a millionaire purely for nostalgia. Although I am not rich yet, I have decided to post this now to show my progress and teach others what I have learned so far. While I am not going to post all of them since you guys are going to get bored, I will post the most important and interesting lessons that I have learned from investing in the stock market.
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Day 0 (January 26, 2020) 
The Nervousness of Opportunity Costs. Opportunity Cost pt 1
Dear Diary,
So today is the day! I have to make a decision on whether or not I should start investing in the stock market. There are so many factors to consider when it comes to this, it highkey stresses me out :/ It feels like this will be an extremely draining process because I have to start micromanaging all the companies that I buy and I don't know if I have the time and willpower to do this because of school. AHHHH!!!
WAIT I also don’t know how much I can even invest because I have to pay for gas and food D: so investing into companies will leave me less money for all my basic needs. However, if I want to make money, I would have to put a decent sum of money or else it’ll take me forever just to make $1000. 
I guess that’s the cost of investing in stocks :( and while the risk and cost is a bit (or maybe very) high, I do feel like this risk is worth it!
AHHHHH!
Well after writing this entry and contemplating for like 2 hours I finally decided that I will commit with investing in stocks. I think the benefits of getting more money from investing are better than having less money for basic essentials. I’m willing to put in $15 dollars of gas instead of $20 now. I’m willing to buy less food for eating at school now. I will have to be more frugal!
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I’m highkey excited for this but nervous at the same time...but let’s see how it goes tomorrow!
Jason-Jeffrey Tadique Doo
Day 1 (January 27, 2020) 
The Decision Between Stocks Opportunity Cost pt. 2
WHAT’S UP DIARY!!
I made my account! It’s on Robinhood. Honestly, I only got it because of the Youtube commercials, but I heard it works alright so I’ll start with this for now. 
So I've been looking into the type of stocks and I found out that there are different types of stocks that are used in the market!  Some stocks called penny stocks are basically companies that sell stocks at pretty low prices but I heard they’re kinda risky even though you can make large profits. I also saw that well established companies are also good to invest in too… even though there is not a lot of profits, it's relatively safe with low volatility and they also give dividends! 
With the Coronavirus outbreaks going on in China right now, I decided to do more research into stocks that may be affected by it. I’ve been looking into this one penny stock company called Co-Diagnostics (CODX) that basically does research and creates testing kits. I heard that they are starting to work on coronavirus testing kits which seems to be really useful for what’s going on right now. However, I’m also interested in safe stock companies such as Pfizer (PFE) and Gilead (GILD) since they not only give dividends, but they also have the highest chance of creating the vaccine since they are two of the biggest biotech companies! 
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Because of this, I'm kinda conflicted with deciding between choosing to invest in penny stocks or with safer stocks… Hmm I think i'm going with penny stocks HAHA! While I am losing out on the dividend and the safety of the big stocks like GILD, I get to reap the benefits of the 100 to even 2000% ROI penny stocks give!
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  Let’s see how this goes!
Jason-Jeffrey Tadique Doo
Day 22 (February 18th, 2020) 
Aim High With AIM Monopoly
Hey Diary!
So after I sold Co Diagnostics X (CODX), Vaxart (VXRT), and some other stocks like Inovio (INO), I decided to make a new account! It’s this website called Fidelity and it allows me to do premarket trading! I get to sell if there’s bad news in the early morning or buy if there is good news during the night. Overall, unlike Robinhood which only lets you trade 30 minutes before the market opens, Fidelity gives you a lot more leeway and options! 
I decided to wire transfer the funds so I can start trading today with the account and ended up with buying 2 companies today! The first is called Liberty Health Science INC (LHSIF) and the other one is called AIM immunotech (AIM). LHSIF is a cannabis company in Canada. Since I feel that they’re going to take over the Florida cannabis market which is similar to the size of the Canadian cannabis market, I feel comfortable parking my money here and adding onto the dips. 
AIM immunotech is going to be my big coronavirus swing play. I bought it at $1.15 because they have an antiviral called Ampligen that had promising results in the SARs case in 2003. With Coronavirus being a type of SARs, I am sure that the value of this stock will skyrocket soon enough because it can really help fight against the Coronavirus. Currently, they have a monopoly on antivirals for the coronavirus as there are no companies as of yet that have any test kits yet alone antivirals completed to fight against the coronavirus. Soon enough China will see the value of this company and start to exclusively order from them for the cases. 
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 See you tomorrow!
Jason-Jeffrey Tadique Doo
Day 30 (February 26, 2020) 
Supply and Demand Part 1 
Dear Diary :-),
I’M SO MAD!!!!!!!!!!!!!!  UGHHHHHHHHHHHHHHHHHHHHH!!!!!!!!!! BACK IN EARLY FEBRUARY I BOUGHT 250 CO DIAGNOSTICS X SHARES FOR $2.57 AND SOLD FOR $2.77. I THOUGHT I WAS BEING SMART BY SELLING IT FOR A PROFIT BECAUSE THAT WAS ONE OF THE HIGHEST PRICES THAT DAY! 
BUT TODAY NEWS CAME OUT SAYING THAT CODX CAME OUT WITH THE TESTING KITS FOR CORONAVIRUS AND GUESS WHAT HAPPENED?! BECAUSE OF THE NEWS, DEMAND FOR THE STOCK SKYROCKETED WHICH INCREASED THE BUYING VOLUME! WITH THE INCREASED QUANTITY OF SHARES BEING TRADED, PRICE SKYROCKETED! 
YOU WOULDN’T BELIEVE HOW MUCH THE PRICE WENT UP TO! THE STOCK PRICE WENT UP TO $20! $20 FREAKING DOLLARS! I COULD’VE MADE $5,000 INSTEAD OF A MEASLY $40! I DEMAND TO KNOW WHY THE WORLD IS SO UNFAIR TO ME! I’M SO MAD! I’M GOING TO SLEEP. THERE’S NO WAY I’M GOING TO BE AWAKE ANYMORE! AHHHHHHHHHHHHHHHHHHHHHHHHH! ONE DAY I’LL BE A MILLIONAIRE AND I’LL LAUGH AT MYSELF FOR BEING DUMB BY NOT HOLDING CODX AT 2.57!
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I DON’T WANT TO BE HERE TOMORROW!
JASON-JEFFREY TADIQUE DOO
Day 31 (February 27, 2020)
Supply and Demand Part 2 Ft. Negative Externality
Dear Diary XD, 
HAHAHAHAHAHAHAHA! Look Diary, 2 good news came! Here’s the first good news. You know those people that I got mad at for being up hundreds of thousands of dollars while I only got $40? Well they got screwed! Because the price was so high due to the high demands, CODX decided to do a registered direct offering which means that they would sell newly created stocks to only institutional investors to raise cash. They basically increased the supply of shares due to the high demand. So guess what happened to those poor bagholders who didn’t have a say in the trade between CODX and the multi-million dollar institutions? While the quantity of the shares traded still increased, the price of the stock dropped hard! So many people lost their profit and I can’t even imagine the faces of the people that bought at $20 thinking it would go to $30 soon. Gotta love life! Oh well, you win some and you lose some. I feel great about my profit since so many others got screwed so I’ll move on from here. Lesson learned. Don’t sell or hold without research and do not trade with emotions. 
The second good news is that today, China decided to include AIM immunotech in their ChinaGoAbroad program to fight against the Coronavirus. Like I said in my previous entry that AIM essentially has a monopoly on antivirals right now 
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See you tomorrow!
Jason Jeffrey Tadique Doo
Day 41 (March 6, 2020) 
Monopolistic Competition ft. Price Elasticity
Dear Diary
UGH! I’m losing way too much money on my robinhood account. I’m losing most of my portfolio there! Since there are so many companies trying to find a vaccine there is so much competition it's pretty difficult to make profits :/
So I decided that instead of buying companies that don’t have any relations to the coronavirus and leaving my money there for a couple of months, I’ll just buy more coronavirus stocks, make some money, and reinvest in those stocks that I know will go up when the coronavirus panic is gone. 
Now that companies are getting further into their research, I’ve decided to invest in test kit companies again as they’re looking the most promising. There has been a high demand, but pretty low supply of test kits so I think it would be better to invest there instead of waiting for catalysts for vaccine companies. While there were many that I had my eyes on, I decided to limit the two to CODX and Biocept (BIOC). CODX has been the top company for test kits during the entire coronavirus panic. They were the first to release it. However, their share price is expensive at over $12. It might be a bit out of my budget for now. 
As for BIOC, even though they are not necessarily a coronavirus company, they specialize in cancer diagnosis and liquid biopsy research. However, they have recently had two offerings to raise funds even though doing so would put them at risk of delisting. This tells me that they’re ready to do something big and with coronavirus being such a significant topic right now, I do not think that they would raise money to finish anything cancer related. Thus, I believe that they are going to release news about a new coronavirus test kit that we need so much. 
Overall, while CODX being the top Coronavirus test kit is the most logical choice, their high price made me decide to go for BIOC instead. I see potential in them and with it only being at $0.46 per share, I see a big upside coming. 
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I hope everything goes well.
Jason-Jeffrey Tadique Doo
  Econ 20A Tuesday
5:00 P.M Section
Jeffrey Doo / 56332254
Jason Tadique / 43428204
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janzz · 5 years
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day 3: its 3:47am on day 4 and i forgot to write my daily post
really really really trying hard to make this a habit (just for april)
so fail but lol
here’s my post for today
i went to a yoga class tonight in santa clara and it was the yogi’s first time and she was so good omg!
not quite as good as my fave instructor of all time (the bae lauren at moxie yoga in sf)
but yeah kimberly at corepower santa clara square might make me a regular!
(which honestly is super great because i went to class with norma and it was awful LOL)  (she played like hardcore edm at a chill class??) (to be fair it was also a level 2 class and i was struggling a little and kimberly’s class was a level 1....)
(oh i went to whole foods in the same plaza right after and ngl im starting to really enjoy just physically being in those fancy ass supermarkets.  i went to a new to me nob hill after orangetheory surprisingly also in santa clara ----theyre just nice and clean and beautiful.  however spending $45 to get way less stuff than a 99 ranch or something still feels way wrong.  i got bananas cashew milk chia seed refill 18 brown eggs (anthony likes the brown ones idk) natural deodorant (cause native has been sucking hard) ginger tofu mushrooms orange juice fancy sprouted bread shredded cheese actually ok when i list that all out its a decent amount for whole foods.  the stuff is just smaller yknow like the presliced white mushrooms were $1 for easily like 3 or so oz less)
anyway i find this funny because when i started dating anthony in 2015 he would go to nob hill markets and always claim it was his favorite market (because the chicken he would buy from there would never go bad etc).  i thought he was like idk rich af -- to be fair he went to stanford 2x and has his masters and is 2 years older so yeah he is definitely more privileged than me.  like i didnt have a preference for cage free brown eggs like i never had the money to spend the extra $1 or 2 on that shit when i was slaving at starbucks AND a second office job.
its really weird how money changes your life.  its 2019 and i finally hit the 100k 6 figure mark.  it’s honestly been a STRUGGLE to get here, but i’ve learned a lot along the way -- primarily that you HAVE to negotiate and generally just get paid more to improve your life.  anyway yeah money doesn’t solve problems but it generally reduces  your mental calories and makes things way more convenient.
before when i was poorer, i would have to go out of my way to make sure i was getting the cheapest shell gasoline in the area (still gotta have standards and not give into that arco bullshit).  i would never go into whole foods or places like that because my dollar had to stretch further.  whenever i would go out with friends before i’d have to be SUPER mindful of what i ordered and i would be EXTRA annoyed when you go out in a group and when splitting venmo people wouldnt pay the extra gratuity and i’d factor in me covering it because as a barista and server its bs when ppl dont tip well
now -- idgaf if i go out to eat a lot or splurge when im out w friends.  dropping $50-$100 randomly cause something is on clearance at lululemon is not a big deal.  im not anal about my boyfriend and i splitting everything exactly 5050 down the middle cause meh whatever i dont need to be given money back for like the minimal difference.  if whole foods is convenient for me to go to after a workout ill go in without batting an eyelash.  
it is weird tho being poor and then having money -- like ill go to lululemon but absolutely CANNOT buy anything full price.  i still like watching movies but 99% of the time go on discount days cause spending $20 when i could spend $9 feels wrong.  whenever i do basic things with my boyfriend, like going to the grocery store or mall, i’m most definitely the most cost conscious -- checking against the value per oz, whereas he just picks whatever and gives no thoughts to it (i think he makes like 240k a year thereabouts, definitely more than double but i dont know the specifics).  i drive a 2015 toyota corolla le he drives a nicer but still affordable more luxury sedan hyundai sonata souped up with seat warmers navigation and he’s installed a dash cam and stuff.  my car is definitely a commuter car that’s just one level up from the s basic model.  when i htink about buying a new car i dont know if i could buy a lexus but yet i sometimes think about getting a tesla instead of a prius
another weird one is getting mad at myself for leaving reusable grocery bags LITERALLY in the trunk and then having to pay the $0.10 per bag.  I’ve easily spent at least $15 on bags prob.  Before i would be kicking myself hard cause i’d need to pinch pennies.  another thing that ive noticed makes me feel “rich” is i can sustain my craft coffee/boba habit just fine and not give a fuck.  before i got more mindful of it i htink my my coffee boba budget was like $100 a month.  ive always loved craft coffee, but it has to be RIGHT if i was gonna spend $6.  when i was living w my parents in san diego going to a new coffee shop and driving up to encinitas or whatever was like THE trip. now i get philz off my mobile app whenever i head out of class or if im feeling like it and its not that special
but yeah, im not rich by any means but it was huge to go from like $16 an hour at my office job/$15.70?? w/ benefits I think that was my starbucks shift supervisor rate/annual salaries of 20k ish to $39k at a law firm in downtown sac (grossly underpaid but at least rent was only $300 at a family friends) back to the law firm job up to $70k.  there i got a raise at the same job from 70 to 80k and then 80k to 86.
THEN cause i was privileged enough to have been able to save money making more when i hated my job i just up and quit (i think i had like no more than 5k in savings at the time --it wouldve been more but i spent 3k on prk/lasik).  anyway yeah i was lucky af and got a new job in a month -- and the offer for this job was 100k base, 10k bonus, some amount of stock (i still suck at this stuff) and a stupid amount of perks like $1000 gym reimbursement and basically free health insurance -- if i annualize all my pay+perks, assuming i get my full bonus, its prob like 120k.
so i have like 5x ed my income in 4 years since graduating from college.
the crazy part is people that were more privileged than me STARTED at 100k as new grads, including 401ks and what not.  im lucky becuase i started mine back when i was 18 at starbucks.
income inequality and access to knowledge/resources has become something ive become more aware about and passionate about over time.  me and my boyfriend clashed a lot earlier i think because we literally were in different planes of our lives and income levels.  we’ve been together 3 years, but have known each other for 4.  we broke up for 1 year in between -- and yeah ngl had i never improved myself or actually reached my income/earning potential we likely would not have gotten back together.  additionally him supporting me when we got back together raised me out of not the poverty level but yeah we met and i made 39k.  i took the plunge and moved out to sf for myself and lets be real for him too and made 70k which was a huge jump.  and in a short 15 months or so i jumped again to 100k base.
im never gonna make as much as he does (men/women blah we can get into that) but yeah even having access to money adjacently is so powerful.  anthony never outright gave me money and im too much of a hardass independent person that ive NEVER borrowed money from him, never intend to.  i really vehemently despise the idea of free loading but because of him just being around yeah my life has been improved.  
when we met in 2015 in our young 20s we were in our have fun phase.  i was too poor to have gone to thiings like coachella or out to a concert.  he got me into music and made it easy for me to experience because he’d buy the ticket, drinks, pick me up and pay for sf parking.  i would likely get dinner ahead of time or something small and generally we would switch so if he got tickets one time i’d get them next.  but he ALWAYS paid for drinks and lets be real the occasional not drinks :P he had introduced me to music in such a way that i was willing to drop $800 or so on coachella + car camping + take pto days even when we were broken up 10ish months or whatever it was the first time we dated but if you think about it he likely dropped at least 1k on me during those 10 months without batting an eye lash.  i made 39k at the time working in downtown sacramento and he made 90k base (maybe 115k total comp) living in SF.
despite just basic things like me being immature for 23 -- a big reason i think we broke up at the time was the income level inequality.  it was both our first jobs out of school (first job out of stanford grad for him, he immediately got his masters out of undergrad).  i did a round of uc davis, community, uc davis.  
he told me he was breaking up with me because when we met i had originally wanted to be a lawyer and then didnt end up pursuing that path and he saw it as a lack of ambition/drive.  what he didnt see was general growing up and not having access to lawyers as i grew up, just me working at this really top tier A+ law firm and feeling out of place as an asian woman working with rich WASPs.  me wearing pencil skirts and having major impostor syndrome.  what he did end up seeing was an insecure version of myself in our relationship with me bending over backwards to make him happy.
when i moved to sf and made 70k it definitely was a huge ego boost to make that additional 30k, but to be real, here in sf and paying more rent than i was in sac and SD/just general living being expensive 70k wasnt that much.  what it did for my confidence though was priceless (i was an ea to a ceo at a tech startup).  i really grew into myself and was more confident in my abilities -- and honestly a lot of that was just getting older and knowing that i was good at things, bad at certain things and i wasnt going through my quarterlife/post grad crisis anymore.  
then those raises to 80k and 86k made me more ballsy.  these things were obvi practiced with anthony as i had a partner to discuss and practice with/an educated thought partner.  at this time anthony was making $150k base or so (after realizing he had been grossly underpaid as a PM for the 90k initial salary)
all of this set me up to basically make my position what it is now AND for it to be 100k.  tbh im a glorified low level coordinator at a big company.  i honest to goodness for the first three months probably worked a total of 2ish hours a day? this role should probably max out at 90k.  and by max out i mean this role likely shouldve started at 75k with incremental raises to get to 90 in like 3 years.  i STARTED at 100 and can likely if i play my cards right be promoted to a program manager in a year (or less).  that’ll prob bump me to a base of 120 or so if i’m aggressive.
i always shitted on sf when i moved here because i hate the tech bros, the elitist ppl, the vcs who think theyre out here changing the world but seriously being surrounded by people that went to ivy leagues or the UC’s that were better than mine have honestly, like my boyfriend, just uplifted my status.  something as small as casual lunch time conversation being more intellectual makes a huge difference for me re: how stimulated i feel and how much more energized ive become because of ppl around me.  i def still have impostor syndrome all the time but its been so much growth from 23 to 27.
30s should be great because ill be well into my career by then and making even more and closing the gap even more w my boyfriend.  its funny too cause hes 29 now AND FINALLY getting that postgrad quarter life crisis.  his privilege was able to offset him to have this crisis later on in life where he made more money and could make smarter choices.  privilege really is the thing that keeps on giving and im grateful to have started poor and really appreciate it.  as i make more money i also care more and more to give back.  if i ever do run for office in my 50s or whatever im gonna push for more access to education and arts.  i had an interest in this as an undergrad but couldnt pursue it because itd be a lifetime of poverty, but yeah who knows.
dang this went long but it is really interesting when i think about money and how much its effected me.  im lucky i was able to raise myself out of the level my immigrant parents brought me and my sister to.  them moving out of the philippines was the best thing that ever happened to me.  the second is them fronting the bill for my university education.  the privilege i have is extremely special and important and i want to honor their sacrifices because im sitting on a 100k because of decades of hard work and frugality on their ends.
im fucking lucky.
we gotta pass on the resources and uplift those around us if we are fortunate.  
...another rant altogether but i wish the leadership in the United States thought the same way. 
(end: 4:36am, why do i do this to myself)
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boo1a4 · 7 years
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11 questions! 😊
I was tagged by @s-lay-ing to do this tag which is very similar to one ive done before but its one of those cool ones thats different everytime you do it! So basically you answer 11 questions then give 11 to be answered! Thanks so much for tagging me Claudia, you the realest like wow. 🙃💜
Tagging some lovely binches: @min-yoongini, @maybehao @bubkwan @insecure-trash-bag @kae-popx @yeol-mints and whoever else wants to do it! No pressure, just do it if you feel like it! 💜
1. Would you travel alone around your country? 
I think I would, I think I would enjoy myself. Having time to myself like that is one of my favorite things. I love getting lost in my own thoughts, traveling alone seems like it would be a good opportunity to do so. On the other hand maybe its not the best idea to get lost in your thoughts while traveling alone cause you know stranger danger and all 😅
2. You save the enough money to buy sth you’ve really really wanted for a long time (something small) but just when you were about to spend it you found out your fave group set a date to perform in your country and the ticket costs the same as that thing you wanted to buy…which one would you choose to buy?(Asking 'cause a couple of years ago I was TWO SECONDS away from buying a black widow costume until a band confirmed they were coming so yeah…I bought the concert ticket 😂💔) 
Without a doubt I would buy the ticket, bands I like don't come to Minnesota very often. For example I recently bought tickets to see my favorite band in May, I saw they were coming here and without any hesitation I was like yep I gotta go! You can always save up money for material things but life experiences are harder to come by!
3. Are you a good at cooking? 
Yes, thats what I do for a living! Ive pretty much been cooking since I could walk! 👩🏻‍🍳
4. In a zombie apocalypse, would you be a) someone who follows the rest b) someone who takes the lead c) a mix of both? 
To be honest Im the type who likes to think/act like they are a leader but really my leadership skills are severely lacking hahaha. So when things would get tough Id just be like nah you guys got this Ill be over here lmk if y'all need anything ty ty. 🤣
5. If shit blew on earth which one of the following would you chose to save yourself? A ship/submarine like the one from the movie 2012 or the space ship from wall-e? 
The space ship for sure. Deep sea is actually the scariest thing to me, just thinking about whats down in the ocean gives me the shivers. 🤢
6. Is there an online shop you would absolutely recommend? 
I recently bought a kpop phone case from this lovely Etsy shop https://www.etsy.com/shop/shopTwazy.  She does the most beautiful custom and pre-made phone cases and key chains! she's also so kind and helpful! Check her out! 
7. Name an underrated song you could swear it’s so good yet it’s highly ignored
As for a kpop song not sure if its really that underrated but Shinees 1of1 the mv doesn't even have 10 mil views why y'all sleeping on shinee these days? That song is the literal best bop also taemins dancing 🙌🏼
As far as just music in general ANYTHING BY THE SHINS (the group I’m seeing in may) They had like one popularish song in the early 2000s but they are so under appreciated these days its not even funny, I get it though they aren't everyones cup of tea but James Mercers voice is like pure molten honey. (September - The Shins)
8. You’re invited to three different parties made by the top 3 entertainment companies (sm, yg and jyp) where the only songs you’ll hear during the whole night are the songs made by their own artists, which party would you attend? 
That is actually so difficult for me. First of jyp is automatically out of the picture, I really only listen to got7 as far as their groups go. But like Big Bang is one of my faves, but then there is Shinee which hurts me physically, and like winner is one of my favorite groups musically, but like Exo. GIRL GROUPS don't make me chose between Blackpink and Red Velvet MY QUEENS! If the groups are performing at said party that changes everything, if that was the case hands down SM. I love Big Bang/winner but the don't have the moves like Shinee/exo.
9. Your bias pulls a performance like this one and he brings you on stage…what would your reaction be? 
First of all no, don't link me to shit like this. Its 4:30 in the morning here I don't need this!! Why?? Who do you think you are?? Kibum does things to me!!!! jk tysm ily 💜 Tbh I probably be a bit like wtf 🙃 then Id be like “ GET YOUR ISHH BOO BOOO” “DO YOUR THANG HUNNY!” Also Id dance along because Im never one to turn down a chance to look like a dumbass.
10. Do you have a pic with someone famous? 
Not that I can think of! I've got plenty of pictures with my sister @min-yoongini tho, she's pretty cool! (gofollowher!)
11. If you were granted the possibility to take one group on a seven day vacation/break/time off schedule with the condition that it has to be broadcasted as a variety show later on…would you accept? If the answer is yess: which group would you take and what would you do w/ them? (Travel overseas, a city tour, a ski resort, a car trip, stay in the city etc)
I feel like my obvious answer here is seventeen, but Im gonna go with blackpink because they all seem so chill and nice! I dunno where we would go but some where with lots of history or something! Also no language barrier, so thats nice! Also girls are awesome so yeah all girl trip hell yeah!
My questions
1. If you had to choose between listening to music or watching any kind of video (tv, movie,mv) which would you choose if you had to give one up? (the most evil question 😈)
2. Do have any favorite sayings/lines/lyrics and why are they your favorites?
3. Do you collect any kpop related stuff? Merch/Photocards/Albums/ect? and what groups?
4. What are your top 3 favorite and least favorite food?
5. If you were given 1000 dollars to spend on whatever you like no catches what would you spend it on?
6. What hobbies do you have outside of kpop?
7. Do you have any piercings or tattoos? if so where and of what?
8.  What is your favorite beverage beside water/coffee/tea/pop?
9. Where is the coolest places you ever been? Tell me about it!
10. What group/s is/are your bias group/s? Why?
11. Name a less popular group that you like that you think doesn't get the recognition they deserve! hype them up!! (coughcoughmonstaxcoughcough)
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