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crazydadd0 · 5 months

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Blackbeard's Pirates x You

Something quick, because I was bored and haven't posted anything in a long time.

I hope you enjoyed it (: Again, I apologize for the mistakes.

Box Opened <3

── ･｡ﾟ☆: .☽ . :☆ﾟ.── ･｡ﾟ☆: .☽ . : ── ── ･｡ﾟ☆: .☽ . :☆ﾟ.──

Marshall D. Teach: *Eats a Cherry pie and sips it with alcohol*

You: Can I have a piece of cake?

Marshall D. Teach: No *slices of cake fall from his mouth*

You: 😩 I won't bake you any more cherry pie.

Marshall D. Teach: What!

You: Bake it yourself *stands up and walks away*

Marshall D. Teach: *Has already given you a piece, but you leave. (The sad admiral will no longer have a delicious cake from you)*

Jesus Burgerss: *taps his muscles/shows off in front of you*

You: your vein is about to burst old man

Jesus Burgers: 🙁 *sad_puppy.exe*

You: *sighs*. Come on give me a hug *spreads arms*

Jesus Burgess: *hugs you* Thank you! *happy child child.exe*

(You are in the stork's nest)

You: I want to eat...

Van Augur: Then go eat

You: No

Van Augur: *looks at you with this look on his face 😐*

You: 😩 I don't want to go down

Van Augur: I'll drop you and you'll be closer

You: 😐

Van Augur: 😉

Laffitte: *stabs you with grace*

You: Tap me again and I'll shove this stick up your ass

Laffitte: *stabs with a smile*

You: I'll KiLl you you whore!

Laffitte: *runs away screaming like a little girl*

You: *takes a kitchen knife. And you run after him*

Jesus Burgess in the background: 😬

Doc Q: *is as sick as ever and lies on the floor*

You: Are you dying?

Doc Q: Yes for many years, I was born in the wrong body

You: Whatever, more important question *you look at him* Can I take your body after death?

Doc Q: What-

You: Body, your, I will take, after, garbage?

Doc Q: ...No....

Shiryu: *smokes a cigar and wipes his sword clean*

You: Fucking smoker *whispers*

Shiryu: *looks at you* Did you say something?

You: Nooooo~~ *Innocent eyes*

Shiryu: I heard what you said

You: 😇 Well what are you addicted to and you will die, plus you are poisoning my precious air 😇

Shiryu: I'm not an addict, if I wanted to I would stop

You: Then you have a challenge, stop smoking

Shiryu: ...

Avalo Pizarro: *Playing with a cat*

You: *looks at him*

Avalo Pizarro: *starts purring like a cat*

You: I knew he was Furry *whispers*

Avalo Pizarro: *continues to play with the cat unconsciously*

You: *Takes pictures of him with the cat from hiding*

Vasco Shot: *Drinks alcohol like water*

You: *looks at him, ponders something*

Vasco Shot: *feels your gaze on him. I look at you* Topu~ Topu~ Topu~ what are you looking at me like that? *cough*

You: *folds hands in front of you*

60% of the mass of the human body is water, but in your case it's Alcohol.

Catarina Devon: *Reviews herself in the mirror*

You: *sits politely beside her*

Catrina Devon: God~ how I wish I was the most beautiful woman in the world

You: You are beautiful, the most beautiful!

Catrina Devon: *you say right away*

Catarina Devon: Oooo~ how lovely!*Hugs you to his chest*

You: *You try to breathe into her ample m breasts*

Sanjuan Wolf: *sleeps*

You: *sleeps on him*

Kuzan: *sleeps*

You: *touches him on the cheek*

Ey are you sleeping?

Kuzan: *tries to ignore you*

You: Ey don't sleep. *continues to poke him*

Kuzan: Let me sleep. *takes you in his arms and buttons you to sleep with him*

You: 😊

── ･｡ﾟ☆: .☽ . :☆ﾟ.── ･｡ﾟ☆: .☽ . : ── ── ･｡ﾟ☆: .☽ . :☆ﾟ.──

#one piece #one piece x reader #marshall d. teach #van augur #Laffitte #doc q #jesus burgess #shiryu #kuzan #catarina devon #vasco shot #avalo pizarro #sanjuan wolf #one piece shiryu #blackbeard pirates #Blackbeard pirates x you #aokiji kuzan

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natedogx15 · 1 year

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Supernova Pirates vs Black Beard Pirates

Random little add-on I decided to make for my Supernova Pirates prompt because I’m bored and want to take a slight break from writing my usual stuff since I’m ahead on it.

This is just a match up I think would happen when the Supernova Pirates inevitably fight the Blackbeard Pirates in this au. I’m going by this with current information on Blackbeard’s devil fruits. I’ll probably update this when more information is revealed about the Ten Titanic Captains.

Monkey D. Luffy vs Blackbeard

Eustass Kidd vs Jesus Burgess

Roronoa Zoro vs Shiryu

Trafalgar D. Law vs Doc Q & Stronger

Scratchmen Apoo vs Laffitte

Killer vs Vasco Shot

X Drake vs Avalo Pizarro

Basil Hawkins vs Van Augur

Jewelry Bonney vs Catarina Devon

Capone Bege vs Unknown/Moria (It depends on if the unknown is revealed or if Moria kills them offscreen)

Urouge vs Sanjuan Wolf

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wecchiboo · 4 months

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maybe i will finally be brave enough to talk about the steamy sexy love triangle i made up in my head of teach x laffitte x pizarro but only pizarro is the jealous one cuz he wants laffitte all to himself but blackbeard genuinely does not care cuz him and laff are in an open relationship like teach AND laffitte literally had silly funtimez with piza multiple times before

#blackbeard pirates #one piece #laffitte #blackbeard #marshall d. teach #avalo pizarro

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desbravandookp · 2 years

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Lista de Avatares no KaizokuProject

Total de avatares: 175

Ain

Alvida

Aokiji (Kuzan)

Aramaki

Arlong

Avalo Pizarro

Baby 5

Baccarat

Bartolomeo

Basil Hawkins

Bastille

Bellamy

Benn Beckman

Bepo

Blueno

Borsalino Kizaru

Boa Hancock

Bon Clay

Brook

Buggy

Buffalo

Caesar Clown

Calgara

Capone Bege

Carrot

Caribou

Cavendish

Charlotte Chiffon

Charlotte Cracker

Charlotte Daifuku

Charlotte Katakuri

Charlotte Linlin (Big Mom)

Charlotte Oven

Charlotte Perospero

Charlotte Praline

Charlotte Pudding

Charlotte Smoothie

Charlotte Snack

Coby

Crocodile

Dellinger

Denjiro (Kyoshiro)

Diamante

Doc Q

Don Krieg

Don Chinjao

Donquixote Rosinante (Corazon)

Donquixote Doflamingo

Douglas Bullet

Dracule Mihawk

Edward Newgate (Barba Branca)

Enel

Eustass D. Kid

Fisher Tiger

Franky

Fujitora

Fukuro

Fullbody

Gecko Moria

Gild Tesoro

Gladius

Gol D. Roger

Hachi

Hina

Hody Jones

Inazuma

Inuarashi

Ivankov

Izo

Jack

Jabra

Jesus Burgess

Jewelry Bonney

Jinbe

Jozu

Kaidou

Kalifa

Kaku

Killer

Kanjuro

Karu

Keimi

Koala

Kuma

Kumadori

Kin'emon

Kozuki Toki

Kozuki Oden

Kozuki Hiyori

Kyros

Laboon

Laffitte

Lao G

Leo

Lindbergh

Lucky Roo

Lucy (adm meteu essa)

Magellan

Marco

Marshall D. Teach (Barba Negra)

Miss Valentine

Momonga

Momonosuke

Monet

Monkey D. Dragon

Monkey D. Garp

Monkey D. Luffy

Montblanc Norland

Nami

Nekomamushi

Nico Robin

Nojiko

Pandaman

Pica

Pedro

Pekoms

Perona

Portgas D. Ace

Oars Jr.

O-Tama

Queen

Raizou

Rebecca

Rorona Zoro

Rob Lucci

Ryuma

Sabo

Sadie

Sakazuki Akainu

San Juan Wolf

Scratchmen Apoo

Sengoku

Señior Pink

Sentomaru

Shakuyaku

Shanks

Shiki

Shiliew

Shirahoshi

Silvers Rayleigh

Smoker

Sobamask (adm meteu essa)

Sogeking (sim, adm também meteu essa)

Spandam

Squard

Stussy

Sugar

Surume

Tashigi

Thatch

Tony Tony Chopper

Trafalgar D. Law

Ulti

Urouge

Usopp

Uta

Van Augur

Vasco Shot

Vergo

Vista

Vivi

Vinsmoke Ichiji

Vinsmoke Judge

Vinsmoke Niji

Vinsmoke Reiju

Vinsmoke Sanji

Vinsmoke Sora

Vinsmoke Yonji

Warden Hannyabal

Whitey Bay

X Drake

Yamato

Zeff

Zephyr (Almirante Z)

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myonepiece · 3 years

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Blackbeard, Shiryu, Doc Q, Catarina Devon, Van Augur reaction to their crush falling asleep on them

Teach x reader, Shiryu x reader, Avalo Pizarro x reader, Laffitte x reader, Catarina Devon, Jesus Burgess x reader, Doc Q x reader, Van Augur x reader

description: Teach, Shiryu, Avalo, Laffitte, Devon, Burgess, Doc Q, and Van Augur (seperate) when their crush falls asleep on their shoulder

warnings: none

a/n: it’s so weird imagining Teach “soft”

Teach/Blackbeard

it was very late at night but Teach had dragged you along to a resturaunt because the crew was setting sale soon and he wanted a quick full meal before you would have to wait a week for that.

you sat next to Teach while he was eating, and eventually you eyes got too heavy to hold up- your head fell forward and landed on Teach’s forearm. he froze mid-bite and his eyes slowly moved to land on the sight.

he set his food down slowly, worried any movement would wake you. he literally sat their still as. a rock staring at you until Shiryu came to get him.

Teach wanted to let you sleep, but Shiryu shook you awake earning a death glare from Teach. instead, Teach insisted you climb onto his shoulders so you can get some more sleep on the way to the boat.

he was leaning against the wall polishing his sword while the the two of you talked, you sitting on the couch right beside him.

he noticed you stopped replying at some point then felt something hit his leg- he was about to scold you for hitting him when he looked down and saw you had fallen asleep against his leg.

he kept wiping his sword but he kept his eyes on you- Devon attempted to reach over and touch your cheek, only to have her hand hit away by Shiryu who glared at her until she moved seats.

once he was done he slid his sword into the holder and took you in his arms, carrying you out of the room and to the closest bedroom, which was his, and setting you down in bed. he threw the blankets over you before leaving, placing himself outside the door just in case someone decided to bother you.

Doc Q

so the crew had stopped to eat- Doc Q finished first and was waiting outside on Stronger (the horse) when you had come out and leaned against the horse.

the two of you were lightly chatting but after awhile you stopped responding and Q looked down to see you had fallen asleep against his arm that dangled off the horse.

he grinned as happily as he could and whispered about how lucky he was tha.t his crush had fallen asleep against him. he kept talking to your sleeping form, obviously you weren’t listening but he didn’t care.

when the rest of the crew joined you two and began walking, Q realized that he couldn’t have you ride on Stronger with him because of the horse’s awful health, and Q walking by himself was out of the question because of his health- so he soflty shook you awake

when you were somewhat concious he told you to hold onto his coat sleeve

so you did and while the group walked you leaned against Stronger with your eyes closed drifting in and out of consciousness

the horse led you kind of like a service dog while Doc watched you to make sure you didn’t trip

you were watching Burgess challenge a poor group of marines to fight him- just them against him- and Devon had pulled you into her and threw her arm over your shoulder while she rested her head on your shoulder.

she was whispering critiques about the fight when she felt you sway, so she peeked at your face and saw that you were just barely awake.

her eyes widened and a blush appeared momentarily.

she held back her laugh and smirked, waiting until your eyes finally closed completely.

then she scooped you into her arms and held you bridal style, allowing you to rest your head on her chest and continue sleeping- while she shot death glares at anyone who got too close or too loud

the ten titanic captains and Blackbeard were all sitting in a room on the biggest ship, they were all sitting somewhere around the room- and you were sitting next to Van Augur on the couch against the wall.

the rest of the captains were talking about something that Van Augur found quite boring, so instead he was reading the newspaper while you read over his shoulder.

he didn’t pay much attention to you and he even forgot you were next to him- until he felt something hit his shoulder.

he looked down and saw that you were sleeping peacefully against his arm, he smiled softly and moved a stray strand of hair away from your face, letting his knuckles run over your cheek carefully.

it felt like the world had disappeared around the two of you until the other captains broke out into a chorus of laughter as Burgess tried to challenge Devon to an arm wrestling contest. Van Augur frowned and looked back at you, quickly making up his mind and scooping you into his arms.

he walked out of the room ignoring the loud drunk teases from his crewmates, heading back to his own ship and placing you in you bed. he stayed by the door for a moment, admiring your sleeping face and your tranquil breathing before leaving.

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justasillyoldfox · 2 years

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This could be a more organized One Piece Masterlist if I wanted it to be

♡I'm currently at Dressrosa

♡I went and looked at all the One Piece Arcs I know of to get these characters (mainly the ones I would write for), took me nearly 3 days TwT

♡Romance Dawn Arc

♡Luffy

♡Shanks

♡Koby

♡Zoro

♡Helmeppo

♡Axe-Hand Morgan

♡Orange Town Arc

♡Buggy

♡Cabaji

♡Mohji

♡Syrup Village Arc

♡Usopp

♡Tamanegi

♡Ninjin

♡Piiman

♡Merry

♡Klahadore

♡Yassop

♡Jango

♡Baratie Arc

♡Johnny

♡Yosaku

♡Fullbody

♡Zeff

♡Sanji

♡Patty

♡Carne

♡Gin

♡Don Krieg

♡Mihawk

♡Arlong Park Arc

♡Arlong

♡Genzo

♡Hatchan

♡Chew

♡Kuroobi

♡Loguetown Arc

♡Smoker

♡Masterson

♡Dragon

♡Warship Island Arc

♡Eric

♡Reverse Mountain Arc

♡Crocus

♡Mr. 9

♡Whiskey Peak Arc

♡Mr. 8 (Igarappoi) (Igaram)

♡Mr. 5 (Gem)

♡Koby & Helmeppo Arc

♡Garp

♡Bogard

♡Little Garden Arc

♡Dorry

♡Brogy

♡Mr, 5 (Gem)

♡Mr. 3 (Galdino)

♡Drum Island Arc

♡Wapol

♡Dalton

♡Chopper

♡Dr. Hiriluk

♡Chess

♡Kuromarimo

♡Ace

♡Arabasta Arc

♡Mr. 2 (Bon Clay)

♡Toto

♡Koza

♡Miss All Sunday (Robin)

♡Crocodile

♡Pell

♡Mr. 4 (Babe)

♡Mr. 1 (Daz)

♡Kappa

♡Chaka

♡Mr. 7

♡Ruluka Island Arc

♡Pasqua

♡Henzo

♡Wetton

♡Jaya Arc

♡Masira

♡Roshio

♡Bellamy

♡Sarquiss

♡Burgess

♡Doc Q

♡Augur

♡Teach

♡Shoujou

♡Cricket

♡Whitebeard

♡Rockstar

♡Sengokou

♡Bartholomew

♡Doflamingo

♡Laffitte

♡Skypiea Arc

♡Gan Fall

♡Pagaya

♡Gedatsu

♡McKinley

♡Satori

♡Shura

♡Wyper

♡Kamakiri

♡Enel

♡Braham

♡Ohm

♡Noland

♡Kalgara

♡G-8 Arc

♡Jonathan

♡Shepherd

♡Mekao

♡Lieutenant Drake

♡Long Ring Long Land Arc

♡Tonjit

♡Foxy

♡Hamburg

♡Capote

♡Aokiji

♡Ocean's Dream Arc

♡Dream

♡Water 7 Arc

♡Iceburg

♡Kaku

♡Paulie

♡Lucci

♡Franky

♡Tom

♡Spandam

♡Blueno

♡Enies Lobby Arc

♡Oimo

♡Kashii

♡Zambai

♡Jabra

♡Kumadori

♡Onigumo

♡Lulu

♡Tilestone

♡Ice-Hunter Arc

♡Salchow

♡Stansen

♡Vigaro

♡Puzzle

♡Jiro

♡Hockera

♡Bindo

♡Campacino

♡Thriller Bark Arc

♡Brook

♡Hildon

♡Dr. Hogback

♡Absalom

♡John

♡Moria

♡Spa Island Arc

♡Doran

♡Sabaody Archipelago Arc

♡Capone

♡Hawkins

♡Kid

♡Apoo

♡Urouge

♡Killer

♡X Drake

♡LawPeterman

♡Disco

♡Rayleigh

♡Kizaru

♡Bepo

♡Bart

♡Sentomaru

♡Impel Down Arc

♡Hannyabal

♡Magellan

♡Jinbei

♡Saldeath

♡Ivankov

♡Inazuma

♡Shiryu

♡Marineford Arc

♡Akainu

♡Rouge

♡Thatch

♡Marco

♡Jozu

♡Squard

♡Vista

♡Curiel

♡Doberman

♡Roux

♡Post-War Arc

♡Brannew

♡Sabo

♡Dogra

♡Kitton

♡Fishman Island Arc

♡Hammond

♡Ryuboshi

♡Fukaboshi

♡Manboshi

♡Fisher Tiger

♡Neptune

♡Vander Decken IX

♡Den

♡Aladine

♡Sir Pekoms

♡Tamago

♡Big Mom

♡Z's Ambition Arc

♡Shuzo

♡Z

♡Punk Hazard Arc

♡Kin'emon

♡Brownbeard

♡Caeser Clown

♡Vergo

♡Momonosuke

♡Dressrosa Arc

♡Fujitora

♡Kanjuro

♡Dellinger

♡Cavendish

♡Kyros

♡Gambia

♡Bartholomeo

♡Hack

♡Blue Gilly

♡Ricky

♡Leo

♡Flapper

♡Bastille

♡Ideo

♡Gladius

♡Rampo

♡Orlumbus

♡Damask

♡Mummy

♡Maujii

♡Corazon

♡Sheepshead

♡Kaido

♡Silver Mine Arc

♡Peseta

♡Bill

♡Tanaka

♡Aveyron

♡Zou Arc

♡Roddy

♡Blackback

♡Miyaga

♡Inuarashi

♡Nekomamushi

♡Shishilian

♡Vito

♡Oden

♡Pedro

♡Marine Rookie Arc

♡Prodi

♡Grount

♡Bonham

♡Zappa

♡Whole Cake Island Arc

♡Ichiji

♡Niji

♡Noble Croc

♡Randolph

♡Cracker

♡Yonji

♡Mont-d'Or

♡Snack

♡Zepo

♡Perspero

♡Morgans

♡Katakuri

♡Daifuku

♡Oven

#one piece #one piece male characters #one piece arcs #one piece male character list #more organized character list for one piece #one piece males I would write for #minks included #minks are literal furries

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alipilling · 5 years

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How my son Sam bought his first investment property at age 18 The FOUNDATION OF BUILDING WEALTH STARTING FROM SCRATCH

Step 1 : PERSPECTIVE

‘PLANT THE SEED’

*RAISING children to have an Optimistic Vision of:-

1.) them self:

2.) their future and

3). the world

*Instilling the mindset that: ‘Money works for you, you don’t work for money’

*Three cores Values:

1). Value self

2). Value money

3). Value time

Step 2: PASSION FOR LEARNING: FINANCIAL EDUCATION

I took Sam along to his bank to deposit money that he had saved from doing chores around the house and working in the family business. We would ask the bank tellers for the best interest rate and the best deal for his savings account.

Reading Newspaper and internet Articles:

Sam was inspired by reading a few articles about successful youth who purchased their first house at young ages, 18 and 19 and knew that it was possible for him too.

Parents leading by good example:

As parents we were very conscious about leading by good example. It is commonly said that ‘Children are a product of their upbringing’. I tend to agree and I believe that parent’s are one of the most influential people in a child’s life. A parent’s work ethic is hugely important when teaching your children that ‘Work ethic is a direct reflection of your wealth and that wealth is stored work’.

Managing money wisely as parents: Earning, saving, investing and spending the rest was another message handed down to Sam. He had added confidence in following his own parent’s footsteps.

Meetings with Bank Lenders and Real Estate Agents:

SAM has a keen interest in real estate so prior to him buying his first investment property Sam and I both thoroughly enjoyed going along to seminars called “fast-track -How Houses Buy Houses.” Now Sam is over six feet tall, and he was sitting in the front row, slouching down, legs right out in front, and the speaker, Julio De Laffitte, who is featured in my pending book Live, Don’t Exist said to him, “Hey Sammy! How old are you now?”

“Sixteen,” Sam replied at the time.

“You do what I do, mate,” and Julio slapped his hands together, right in front of Sammy, and told him, “and you’ll be out by age thirty-five! If you do what I do, you’ll have your money working for you.”

Sammy enjoyed learning about “houses buying houses” so much that he took himself along to another full-day seminar with Julio, but this time he took his older sister Georgie along, without me even being there. This was when Sam started telling us he wanted to buy his first house by 18, because he could now visually see how it all works.

Step 3: EARN INCOME: WORK & PERSEVERANCE

From an early age Sam was given the opportunity to work along side his parents and siblings in the family business. Earning a ‘piece rate’ rather than an hourly rate taught Sam a valuable entrepreneurial lesson, that the more productive you are, the more financial reward you receive.

NEGOTIATING CHORES AROUND THE HOUSE?

Rather than paying an allowance which resembles a wage Sam mainly chose the jobs he enjoyed and the jobs he was good at. It was a fun learning experience negotiating the jobs and the renumeration for those jobs.

Step 4: PATIENCE: Working in the family business

‘Life rewards action’. From a very, young age, Sam and his siblings earned money working on weekends and school holidays in the family business, along with extra chores around the house. It’s amazing how that money earned and saved (when not spent) over time can represent a decent deposit for a house. It reinforces the notion that “wealth is stored work.” For a young child, working alongside their parents and siblings can be a huge learning experience and a lot of fun. An interest in either what they are doing or perhaps the feeling of earning money is a good enough incentive to want to work. And from the young age of eight Sam was offered a position working in the family nursery business, ePlants. There was always so much to do. Sam and his siblings began on a ‘piece rate’, as it was pretty difficult to determine what rate a young child is worth per hour, so we decided to teach the important lesson that the more productive you are, the more money you earn. Quite fair, really. It was impressive to see their determination, especially when there was an incentive offered to earn more money or a goal in mind, like when Bayley, Sam’s younger brother worked towards purchasing his first iPhone. As Sam grew older and gained more experience, his rate increased and therefore his income grew.

Of course, the bank was a big part of the funding Sam's investment property. In their determination whether to make the loan to Sam or not, the bank took into account character, capacity, and collateral, which I'll summarise below:

Character is essentially your credit history, the main thing that banks use in making their lending decisions. Banks, like all lenders, want to know about your credit history, whether there are any defaults or if you are bankrupt, or if you have a good borrowing history. In Sam's case, over a ten year period (from say 8 year’s old to 18 year’s old) he had a 10 percent deposit saved and his savings history was a good indicator of his character.

Capacity is your ability to pay the loan back, based on how much income you earn versus the loan repayment. Sam showed full-time income for more than twelve months. He had job security as he had been a long-term employee of the family business from the age of 15 as a school-based trainee. Sam also acquired a real estate rental appraisal that included a projected, rental return for the investment property that he was going to purchase, this added to his existing income (ie. $480 per week x 52 weeks = $ 24960). Keep in mind Sam was able to save a large portion of his income as he had a low cost of living —he was living at home.

Collateral is the security you provide for a loan. In Australia the bank lends up to 80 percent of the purchase price for residential, investment property, which means Sam would need to pay the remaining 20 percent deposit himself. There are various options if you don't have the 20 percent deposit, and in this case Sam didn't.

o Option 1 was called a Limited Family Guarantee, meaning my husband Rob and I could guarantee a percentage of his loan. The guarantee is limited to the amount of shortfall in the 20 percent deposit. For example, on a property purchase of $300,000 a bank would lend up to $240,000. If you were to borrow $270,000 a Family Guarantee of $30,000 would be required to cover this difference. In Sam’s case we offered a Limited Family Guarantee of 10%.

o Option 2 was called Lenders Mortgage Insurance. In this case, the bank uses mortgage insurance which insures the bank for the loan amount above 80 percent. To give you an example, on a property purchase of $300,000 with a Loan of $270,000 (90%) mortgage insurance is $3,862. This amount increases or decreases based on the loan amount and the percentage above 80 percent lending.

Step 5: Purpose: Parents helping out with a ‘Limited Family Guarantee’

Believing in Sam

Rob and I were in the fortunate position to help Sam and we decided we were more than comfortable providing a Limited Family Guarantee equal to the 10 percent deposit, being the 10 percent shortfall. This meant that Sam saved more than $5,000 on mortgage insurance, which made great sense to all three of us. Sam borrowed the whole loan amount in his own name. Rob and I secured the 10 percent shortfall of the purchase price. After 18 months from the date of purchase, I suggested to Sam to organise a bank valuation. It turned out that his property had increased in value substantially in the short-term ($80,000 in fact) and this was enough for the bank to release our Limited Family Guarantee. Sam was now standing on his own with his first investment property after just 18 months.

Sam has learned significant financial lessons in this experience, purchasing his first investment property. He has learned to budget for expenses such as: insurance, repairs and maintenance, water, and electricity, and now that Sam is managing his tenants himself, there will be many more valuable lessons to follow. These lessons are real-life lessons, experienced by the act of doing. These are lessons you don't learn at school.

Sam made a courageous decision at the young age of 18. He doesn't want to work for money, he wants his money working for him. “Now that you have purchased your own house at age 18,” I asked him, “could you imagine being an inspirational speaker and standing up on stage, encouraging youth to value money, to value themselves, to pay themselves first and to share your stories on how you've started your financial journey at such a young age? Because if you can do it at that age, others can too.”

“Yes,” he said. Sam can picture himself up on stage. Just by chatting with him, just by asking him questions, it helped him create a picture.

I don't mean to put pressure on my children. Whether he does, or whether he doesn't become a speaker is totally fine either way. I don't want him to think he's failed me if he doesn't want to follow through with the ideas I throw around. It's entirely up to him if he wants to run with any of them. Actually, Sam and his sister Georgie did get up on stage at their old high school, St. Teresa's, and they spoke to the year- 10 students. It was Q&A segment. The topic was “Life After School.” Sam got the chance to share with the year-10′s the importance of managing your money, and Georgie spoke on how important it was to follow your passion and do something that you love.

Sam’s Story:

I interviewed Sam for my book “Live, don’t exist and I love what he had to say:

I’m 21 now. In Australia, you have to be at least 18 to buy property, and when I was finally legal I was ready. I’ve been working for my parents in their nursery business as a source of income over the years. My brother, sister and I grew up with a family business so we’ve always had plenty of work opportunities and a chance to earn money. It gives me money to do the things I want to do, to invest in things that will go up in value over time. People are surprised, when you’re young as I was and you’re able to invest in property. But if you keep earning and put it away for all that time and don’t spend it, it’s there to use. I was pretty young when I started working in the nursery. I started out on a ‘piece rate’, earning as little as $2 per tray.

The property I bought when I was 18 only took a couple of weeks to get rented out, and it’s going very nicely. It’s only about ten minutes down the road. It was like a blank canvas. The house is a brick home, easy to take care of. It had no yard, just grass, when I bought it, so my family and I, being in the nursery business, on my days off we landscaped the yard, put borders for the flower beds, added fencing, added fake turf for the patio area, added some palms—and it looks great now.

My parents have been good role models. When we go food shopping, even though we’re what others might consider well-off, my mum is always looking for the bargains and if it’s too dear, we just do without. I’m that way now, too. In fact if it’s not on special, I often just won’t get it, at least until next week, when it does go on special. When I go clothes shopping, I always look for the 60 percent off sales and things like that. We spend so much money in life, you just have to look for all the ways to save that you can.

When I go out to clubs I watch my friends get on a roll and they can’t stop drinking. I can actually say ‘no’ when I have had enough—I can stop. I think, “Man! How much money are they wasting?” Every drink is sometimes another 10 dollars, and you have to think, you have to be conscious every time you go out, even if you’ve been drinking. You need to be aware of what you’re spending! But a lot of people don’t care, they just go out, have a good time, just ‘live for the now’. But I don’t. When I spend, I am conscious of every time I put my card down to pay for something, it’s like, “Oh, man!”

One thing I’ve noticed is that a lot of people my age take out loans for cars and stuff like that. But I haven’t spent money on things that will go down in value—I believe we have the choice to spend on things that will go up in value. More of us need to make smart financial decisions because I do see people my own age who are already in debt about $40,000 or more, and on things that will go down in value. Now, I laid out $40,000 on a house which is the same money as on a car but mine’s going up and theirs is going down at a rapid rate.

But if I ever get money stolen or see it go unnecessarily it gets me really upset. I went to the beach once and got a speeding ticket for $276, just for doing a couple of k’s over the speed limit. I was driving on the beach not long after that, and got written up for irresponsible driving—on sand it’s easy to let the car drift a bit as you drive. I got caught doing that, and that was another $276. So that’s $552, and to think of all the things I could have done with that money, like pay it towards my house!

“I can’t sleep at night knowing I’ve got those fines to pay!” I told my mum.

“You’ve just got to learn from it, Sam,” she said.

And when your parents charge you for board, rent, life expenses, you get used to paying your own way. Some of my mates pay like $50 and some pay nothing, thinking, “What’s the point?” when here, I’m paying like $100, which I think is pretty good, actually. It makes you feel independent, because you are.

And I would like to buy more property as investments, but since I bought this first property my funds are down a bit. I’ve been saving since the purchase of my house and I’m on the way to having the next deposit for another one. I work five days a week, go to gym every afternoon, the beach on the weekends. I don’t yet know what I want to do with my future but I know I want to earn a good wage and have all of these houses underneath me. For now, that’s the dream, and to over time have them paid off, a bit like what my parents are doing, how they invest in properties. Invest and spend the rest.

Put every dollar away that you can. Just put it somewhere and leave it there. Most people, as soon as payday comes, they go and they spend it. Spend yours on things that will go up in value. It’s especially powerful at an early age.

Saving is putting aside part of your income to provide for your future

— Sam Pilling

images Sam signing his first contract, and working on his new investment property

#raisingfinanciallyindependentkids #parenting raisingfinanciallyindependentteens

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