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ltjlily17 · 4 years

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Oh, can we call it a night?

What’s the most played song on your iPod? I don’t iPod anymore these days, but theres a site that will aggregate your Spotify listening, and the song I’ve listened to the most all time on Spotify is In Your Atmosphere by John Mayer. What is one quality you admire most in others? People who know what they want to do with themselves. What would you do with a million dollars? Invest it, maybe? Buy a new car. Start a non-profit that will save the world. Or just a small part of it. What’s your favorite song to dance to? All of them. What would your ideal birthday party be like?

No idea.This year I went to my favorite pizza place with a couple of friends, my mom and husband. Was pretty good.

If you could be reincarnated into anything you wanted, what would it be? I’m not sure I believe in any of that. What talent would you like to have? I wish I was ABSOLUTELY FANTASTIC at something. I’m good at most things, and can get by, but I’m not outstanding at any singular thing. Are you ticklish? Nah. What’s the longest you’ve gone without sleep? 3 days or so. I basically had the flu and felt like I was dying. Not like the real flu either, theres this illness you get when your body hasn’t slept in too long. What New Year’s resolutions did you make? None. What are three songs that mean the most to you? Mayonaise by the Smashing Pumpkins, Wonderful Tonight by Eric Clapton and Bornand Raised by John Mayer. Someone else used these italics and I’m just running with it.

Who is the one person you miss the most? No one? What do you think of your parents? They are flawed people. I make the best out of my relationship with my mom, but I’m just not sure I want to bother with my dad. What is one thing you would do to make the world better? Instill a sense of community. People would be so much better off if we all gave a shit about the other people we are on this planet with. What is your favorite kind of sandwich? Hot, cheesy, some kind of sauce. Other than that, I’m flexible. If you had a puppy, what would you name it? I got a puppy 2 years ago and his name is Finn. We wanted a Star Wars name and Supreme Leader was the runner up name. If you could be invisible for a day, what would you do? I can’t think of anything I’d wanna see. What people do behind closed doors is their business lol. How much cash do you have on you right now? None. I’m in pjs, but beyond that, I rarely use cash. What do you think makes you attractive to other people? Humor or personality? Would more money make you happier? I don’t know. We have a comfortable amount now, minus paying for healthcare. Steve may have a job offer that would cover the healthcare, but would I be happy not working? Would I just turn into a loser slug? What is one of your favorite memories as a child? I really don’t know. My parents pretty much screamed and threw things all the time until my dad moved out. Then they played horrible games with me in the middle. There’s a lot of stuff I don’t even remember about being a child. I’d say the good stuff started happening when I was a teen and could seek refuge in my friends and their stable houses. I had one friend in particular, Andrew, whose mom and dad were super nice and he had a fun little sister- every time I was over there, which was VERY often, it was like a slice of the good life. What’s the hardest thing you’ve ever had to do in your life? This was on another survey and I didn’t know how to answer it. I think once it’s done I just move on, I’m really a dweller. How do you measure intelligence? Unsure. I guess you just get a feeling for someones intelligence as you’re interacting with them.

What cartoons do you watch? None at the moment. I did just get Disney+, so that may change, but there aren’t really any cartoons I’m planning on watching. Have you ever used drugs? Nope. If you were a Skittle, what flavor would it be? The purple one. Sleeper hit. How would you describe your style? Hmmm. Casual indie bohemian with a side of lazy fat person. If you had to spend $1,000 in one hour, how would you spend it? The internet. Generally, my money goes to clothes or Halloween decorations. I really wanna buy some regular decor for the house though, so maybe that. What’s your favorite smell and why? I don’t have one. Something not flowery or overbearing. Something fresh and natural. Where do you buy your clothes? Anthropologie, ModCloth, Target, Gap, Old Navy, Loft. What’s your favorite kind of cake? Birthday cake? Funfetti? Does intelligent life exist elsewhere in the universe? I have absolutely no idea. I used to think that it was just statistically impossible that there wasn’t, but fuck I don’t even know how any of this got here, so I no longer have an opinion. If you could eat anything right now, what would it be? MilkBar birthday cake. Are you into tattoos? I guess so? I like the art of them, I follow a lot of tattoo people on instagram and keep up with their work. I just got my first tattoo a week ago and I’m 35, so it’s not like something I do a lot, ha ha. Do you like photography? I do. I have illusions that I’m a photographer sometimes. I should be currently editing a wedding right now, but here I am. I’m just not sure I’ll ever be the kind of photographer I’d like to be, so I don’t know what I wanna do with it going forward. If you were a holiday, which one would you be? Halloween 100% Do you have any siblings? Nope. If you were to get a tattoo, what would it be of? I just got one. It’s a bat pusheen. I really wanted a bat of some sort and pusheen is my favorite so I just went for it. I always thought my bat tattoo would be a little more dark, but it is what it is lol. What’s the biggest celebrity you’ve ever seen in real life? I hid behind a dumpster when I was like 14 and 3 of the Backstreet Noys walked right by me, ha ha. I have some photos with me and the guys from Good Charlotte from when I was a wee teenybopper. How many pushups can you do? Absolutely zero. What person in history do you admire most? None? I don’t think I admire anyone. These surveys are quickly informing me that I don’t believe in anything or look up to anyone. Am I inert? Who is your favorite actor? I don’t have one. Ha ha, see above. I like most of the stuff Chris Pratt is in. Robery Downey Jr as Iron Man is iconic, but I’ve never seen any of his other movies. I like Adam Driver in Girls and Star Wars. What is the most daring thing that you have done in public? Spoke. Have you ever lied about your age? I don’t think I’ve ever had cause to. Have you ever cried while watching a movie? If so, what movie? For sure. Everything makes me tear up in my old age. Last movie was probably Endgame, though. Are you afraid of anything that most people are not afraid of? Not like huge, life changing fears, but I’m always afraid a bug will get caught in my hair and I can’t touch drains because they freak me out. Where do you see yourself five years from now? I’ve never been one to make plans. Hopefully happy with more direction. What is your favorite candy? Fun Dip, Nerds, Starburst. Have you ever watched someone struggle with addiction? Not someone suer close, but there are lots of auxillary people I know that have and do. Who do you look up to for your style? No one in particular. I see things on the internet I like and try to incorporate that, but its always varied sources. Who is your favorite sports team? I don’t follow sports. How often do you drink alcohol? Once every two weeks? Even then, its usually just one drink with dinner. I don’t much care about drinking. It seems like a lot of work to fill myself up with something I don’t really like the taste of just so I can potentially feel bad later. What is your life in three words? Evolving yet bland. If you could be anything in the world, what would you be? I knew that, I’d be working towards it. Would you have a pet dragon? If so what color would it be? Sure. Whatever color dragon is fine with me. What’s your favorite sport? The only one I even kind of pretend to care about is baseball. Do you believe that homeless people are dangerous? No. If you could be skinny and miserable or fat and happy, which would you be? I’d always pick happy. If your life flashed before you, what do you wish you would have done? Hmmm, I don’t know. I don’t have like any huge regret at the moment so probably just wish I’d have enjoyed myself more. If you were to invent something, what would it be? Hopefully something that makes the world better. Some kind of climate change related thing? Who would you like to get to know better? This wholesaler real estate guy that has been selling us properties. Maybe if we knew him better, he would give us better deals, lol. Have you ever had a near-death experience? Near drowning when I was seven. Do you fear death? Yep. What is the strangest food you ever ate? Hmmm. I like food with interesting combinations. Like smelly cheese or beet pesto or something, but I’m not on board with weird meat and I don’t eat seafood. Do you think you’re cool? Nah. What reality show would you like to be on? None. I don’t watch any of them. The only show like that I ever watched was the Osbournes, ah aha. What’s your favorite thing to order at a Chinese food restaurant? Whatever is gluten free. Ususally no choices for me at most chinese places. PF Changs has pad thai and general tsos I can have and another place nearby has general tsos too, but thats about it.

I loved lo mein and crab rangoon in my former life, though. Are you happy with your life? For the most part. If you could name your own planet, what would you call it? I’d need some plantary details before coming up with a name. If you could live another 200 years. What would you hope to see? People learning that we need to work together. Would you rather be hot or cold? Well, I’m cold like 90% of the time and that sucks, but at least you can do something about it and layer up and get blankets and such- if you’re hot, you’re just stuck. How would you rate yourself? What am I rating here? I’m like a 0 at makeup skills, but like an 11 if you need someone to pick you up in an emergency. 10 at playlist making. 1 at doing the dishes. Would you ever move to a different country in an attempt to start over? Maybe not to “start over”, but I would definitely consider a dream job in another country if all the details worked out. If you could be a character from any book, who would you be? No idea. I read a lot of Stephen King and none of those characters are alright. Do you prefer taking baths or showers? I’d love to take a bath, but I’m a little big for the tub. Do you still collect toys from Happy Meals? Nope. I never ate happy meals even as a kid, so I never did. What’s the most spontaneous thing you’ve ever done? I drove two states over for a sandwich once. It was like a 15 hour round trip. In your opinion what is the greatest challenge the world faces today? People being willing to fuck over every one else if they think it will benefit them in any tiny, miniscule way. You are destroying everything by being an asshole and letting the people that really have all the money get away with it. Do you like dogs or cats better? I was 100% cat until I got a dog 2 years ago. I’m mostly dog at this point. Don’t tell my cat. What have you achieved that you once thought was impossible? Hmm, I don’t know. I’m a lot better off than my parents were. I just kind of thought the constant worrying about the car breaking down or the bills being paid was grown up life, so its nice to get here and know that I worked hard to not have those problems. If an ex texted you out of the blue, how would you respond? I don’t think I would. I’ve been with Steven for a decade, so theres def nothing that needs to be said to anyone that far back. Do you have a favorite poet? I don’t. I really like some poems I’ve read randomly in my internet travels, but I’ve never really been able to sit down and read a book of poetry. What have you tried to quit, but weren’t able to? Eating too much food? Would you rather go on a shopping spree with $200 or put it in the bank? I’d rather go shopping. I might save it, though. What was the last rumor that you heard? No idea. I don’t really have rumors around me at this point in my life. My friends aren’t like that and I’m not working anywhere at the moment. What country star would you most like to meet and why? I don’t really know who any of them are. Have you ever been in a car accident? Yes. One of them happened when I was like 15 and it pinched a nerve in my neck and half of my left hand went numb. My mom didn’t believe me for a really long time that there was something wrong until she watched me try to pick up a glass of milk with my left hand and it just fell to the floor. Are you an organ donor? Yes! What is the most dangerous thing you have ever done? Unsure. I’m fairly adventurous, but I don’t do super dangerous things. I guess just trespassing in old abandoned buildings when I was younger could have been dangerous. What is the meaning of life? Moments of joy. For you and others. What word do you like the sound of? Nothing in particular jumps out to me. Isn’t Cellar Door supposed to be lovely? What’s your favorite ice cream flavor? Hmmm. I don’t know. Its more about the brand I think. I usually get Jeni’s or the other fancy ice cream brand when I get the chance.

I always get the cake flavored froyo, though. Do you prefer cupcakes or muffins? Cupcakes. Are you an athlete? Ha ha, no. What did the last text message on your phone say? From my brother in law. He’s doing the work on the house we just bought, getting it ready for a renter. He wants more money, lol. What is the funniest movie you’ve seen in your whole entire lifetime? Man, I don’t know. I think maybe Grandma’s Boy was the funniest I had seen at the time. I usually don’t even like movies like that. What’s the worst nightmare you’ve ever had? I had this dream when I was a kid that I left the scissors out and they flew up and cut my moms fingers off and the whole dream was dark and black and white because it was night, but at the end, she picked up the phone (landline, because cell phones weren’t a thing then) and the only color was the green light coming from the phone that illuminated the numbers and she was trying to dial 911 with her fingers that weren’t there.

I probably had that dream close to 30 years ago now and it’s still clear in my mind.

What do you know how to cook? Lots of things. I’m especially good at carbonara or alfredo. What’s the worst injury you’ve ever had, and what was it from? I fell down the stairs and broke several bones, severely sprained both ankles and ended up getting surgery to fix the cartilage in one ankle. What’s your favorite amusement park ride? Any that my fat ass can fit on. What do you wish you were doing right now? Well i’m doing this instead of things I should be doing. Who are your musical influences? I don’t play music, so I’m not really influenced? What was your favorite band or musician when you were 12? The Smashing Pumpkins, Bush, Nine Inch Nails, Marilyn Manson and the Back Street Boys, ha ha. What’s the best pick-up line that’s ever been tried on you? I don’t think anyone has ever given me one. How many drinks can you handle? I don’t really know at this point. Getting older changes things. I know that if I have one drink and then stop, I get a headache, lol. What was the longest phone conversation you’ve ever had? Hours and hours. Like 7 or 8 probably? Back in my day you could only talk to boys on the phone because we didn’t have cell phones or text messaging and you only had dial up internet. What’s your favorite candle scent? I got one from Anthropologie called Riviera that was my favorite candle scent ever. I bought two, but they are sold out now and I am very sad.

#soldier on #trash bags #flying bats #survey #dead roses

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semi-imaginary-place · 2 years

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its strange to say but i actually wouldnt have minded more filler content like the original games had i like the main cast that much. but its structured as a duology so theres no where to squeeze in more without rewritting the whole story.

im starting 2-2 now and there are large month long gaps between cases, there was totally room for side plot threads and an extra game. because thinking back on it all the cases so tie into the current mystery. the only real subplot was the climax of adventures and mcgilded.

anyways 2-2 yup sholmes is tangled in all this. i was wondeeing why in 1-4 that one thater dude showed up seemed like an important character and then was never mentioned again.

.... .... did no one check this dude's vital?? how did like 5 people miss that he was still alive.

its odd just how many of naruhodo's cases van zieks has prosecuted. naruhodou has only been in british court like 4 times now and its always van zieks not to mention how he used to only take big cases not the small stuff naruhodo is covering. sus how he keeps showing up.

putting aside the totally non random jury members again, cant gas leaks cause hallucinations?

ive been trying out the dlc costumes and ryunosuke'sis the only one i really like. he looks good in it! as good or possible better than in his gakuran. sholmes' i didn't like but after seeing it animated i've come around to a warm neutral. and i just dont like susato's. part pf it is that orginal clothes already look so good that ots hard for anything else to measure up

unable to examine the tea? there was residue around the ring stain, that could have been dissolved to get a tea sample.

all prosecutors know these days is day drink, beg forgiveness, litter, and cry.

ooooh its gossip hour. so the hounds of basketvilles case, iris's dad, and barok are all related and sholmes knows it. and its also related to this case maybe? or at least 2-2 is related to 2-1 and dr. mikotoba

hggggg much thinking. many brain.... duncan ross moved in 1 year ago and died 1 month ago of suffucation. seldon the murderer died 3 months ago and shamphere moved in a few days later. natsume moved in last week. im starting think shamssphere is that murderer dude who faked his own death.

did both of them get gas poisoning??? why dont any of these houses have an off switch to stop the gas flow? that's so dangerous???

for a defense attorney, runo sure does a lot of accusing and prosecuting. we really are doing free work for the prosecutors office here

oh.thats the key to the hidden fortune. seeing some real witness on witness violence here.

olive thought her poisoning attempt had failed since shamphere was still alive like a week after and even her revenge failed. thats why she was thinking of killing herself. also she lied to our faced about taking the stychrine from the medicine cabinet.

shamspheres an idiot could have picked the lock any time duncan left the room. could have learned his daily routine or lured him out.

i already know the sholmes stuff is basically magic plot devices but really?? skin prints?? after olive's been gripping and rubbing that key for over a week?? no way you're getting any sort of skin secretion sample of seldons

#tgaa #dgs #aa #dgs2

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a-simple-lee · 7 years

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Artistic Inspiration - An SPN fic

Prompt (anonymous): Can u do a soulmate au destiel, were they both won’t stop bothering each other with tickles?! I know that theres not really a plot, but I love the soulmate au and I thought that you wrote for it before, sorry if you didn’t ( I have a horrible memory) thank u 😘

Author’s Note: Ok so although I do not in fact write for the Soulmate AU, I was so happy to receive this request bc it’s absolutely one of my favourite AU’s ever, and I’d been hoping to write it for a while! I wasn’t sure exactly which Soulmate AU was referred to in this prompt, since there are a bunch of different ones, but I went with the classic one where soulmates are linked through their skin, and whatever is drawn on their skin also appears on their soulmate’s skin, if that makes sense. I think there was a tickle fic I read a while back set in the same AU, I’ll go and find it and link it as soon as I can!

Wordcount: 3,122

Description: Destiel. Cas probably shouldn’t have told his soulmate he was ticklish. Silly drawing antics ensue.

It had first started when Dean was in secondary school. His teacher was attempting to somehow excite interest in a bunch of teens who couldn’t possibly care less about trying to find the solutions of simultaneous equations, and Dean was barely awake. Somehow the pen that was supposed to be taking notes had drifted to the inside of his wrist, where it was tracing the beginnings of a small doodle. Dean glanced down at the ink flooding onto his skin and squinted in concentration, joining the last two points. There. A tiny star. Some miniscule whisper in the back of his mind scolded him for drawing on his skin; from a young age it was strongly discouraged that children draw on their arms, lest their soulmate reply - that sort of bond wasn’t meant to be formed until later in life.

But Dean had had enough. After all, it didn’t exactly feel like he was ruining fate’s plans; there was no sense of foreboding, no guilt burning in his blood. None of this seemed wrong. It just felt like the nib of a pen pressing on his skin.

…Wait a minute.

He wasn’t drawing.

His breathing stilted for a moment, air seeming to catch in the space between his throat and chest. Eyes turned to the ceiling, he tried to find where the oxygen in the air had gone. There wasn’t any. Against his will, his gaze drifted to where he’d drawn the star.

A single planet orbited it. The ink was blue, written in fountain pen.

Hand fumbling over the maze of his desk, Dean grabbed his biro. His mouth found the end and chewed as his mind raced. What do you say to the person you’re supposed to spend eternity with?

Bored.

He could’ve rolled his eyes at the stupidity of it. But it was all he could think to write.

A wave of cobalt swept over his wrist, forming a letter. Rapt, Dean watched in unbridled curiosity as the reply took shape.

Same.

Dean grinned. Glancing at the teacher to check they were still occupied, his pen returned to his skin.

I’m Dean. You?

Castiel. But Cas is easier.

At the front of the classroom, the teacher’s whiteboard pen stopped squeaking as they turned to the students.

“And…that’s the solution. Everybody got that?”

Six years later, and Cas was propping his head up over a med textbook. He couldn’t fathom why he’d wanted to choose one of the most tedious majors in existence, yet for some reason he felt himself driven to study. At one am. On a monday night. Technically tuesday morning, Cas reasoned to himself with a note of hysteria. The college library wasn’t completely empty; a few solitary students were hunched over their notes as if they held universal secrets, clearly cramming for tests. Cas winced out of sympathy - his phone buzzed, and his hand reached out to dismiss it in a frustrated swipe. He tugged on his sweater sleeves and rubbed his eyes, too exhausted to try to memorize any more diagrams of the human Endocrine system. Picking up his pen with a huff, he attempted to make some more notes.

Yet when he found his hand drifted to his skin instead, Castiel didn’t mind. His eyes widened when he saw he’d already been left a message.

You awake?

He quickly scribbled out a response.

Sorry. I didn’t notice the writing. I am awake. Why are you?

I dunno. Couldn’t sleep, or something.

Dean, you make no sense.

Right back at ya. Why are YOU awake?

A small huff of a laugh juddered out of Cas as he shook his head. A girl at the desk working over her calculator gave him an odd look.

Revision.

Need some help?

No. Too tired.

Why don’t we play a game, then? Keep you awake.

Dean, I don’t-

His message was cut short when Dean scribbled over the ‘don’t’ he was writing.

Just say yes, I’m trying to help here.

Fine.

Ok. I’m gonna draw on you and you gotta write the scientific name of the body part on your wrist.

Dean, that sounds like it could-

No. I’m just trying to keep you awake, is all. Chill.

Ok.

Cas planted his head firmly on the desk in a gesture of exasperation. There was a slight pause as he waited for something to happen. He flinched when the familiar pressure of Dean’s biro scraped over the inside of his upper arm, tracing a tiny line. Eyes scrunching as the pen suddenly changed course in an erratic jerk, his hand quickly scribbled the name out onto his wrist.

Bicep Brachii.

The writing halted for a moment as Dean seemed to consider Castiel’s answer. A few more seconds passed before his scrawled capitals appeared next to Cas’ cursive.

Sounds right. I just wanna finish the drawing, then I’ll do the next one.

Whatever you say, Da Vinci.

Shut up.

The seconds between transitioning from Cas’ wrist to his inner arm seemed to carry an air of indignation. The med student felt his arm twitch against his will as the ink made touchdown on his skin again, continuing to make seemingly random lines. He tried to trace their paths in his mind, attempting a sort of mental join-the-dots; but it was becoming increasingly hard to concentrate on forming an image when the doodle seemed to be encroaching further and further up his arm. A slight quirk of his lips tried to pull itself into a reflexive smile as the trailing lines suddenly became quick pokes; Cas felt random ink dots being prodded and squiggled into his arm. He reached for his pen.

Ok, that’s enough. Can we move on?

Why?

It tickles.

You didn’t tell me you were ticklish.

Castiel regretted the decision immediately - the feeling of a pen trailing up towards his armpit had him clamping his arms to his torso, trying to keep his composure in the middle of a library.

Stop!! I’m in the library!

Much to his relief, the pen nib ceased its torture.

Alright, you dork.

Shut up.

Only if you go home and get some sleep.

He rolled his eyes, reluctantly sliding his textbook into his satchel.

Fine. Good night.

Good night.

A concerning groan sounded from the car as Dean made what felt like the thousandth tightening with his spanner. The impala juddered worryingly, and Dean groaned, wheeling his way out from underneath the car for a lunch break.

Hello, Dean.

Cas’ writing was a welcome distraction from the frustration of car fixing, Dean decided. He grabbed his pen and began scrawling a response on his way to the kitchen.

Hey, Cas.

Sam was sat at the table, two sandwiches in front of him.

“How’s the break from college goin’, Sam?”

His brother groaned, sliding a sandwich to Dean, who took it and sat down, leaving it untouched for a minute.

“Uneventful. Jess and I have been writing to one another,” he paused, gesturing to his ink-covered arm. “but everybody else is just kind of taking a breather for the weekend.”

“Huh. Well, Baby’s not holding up too well. I’m gonna have to grab a couple new parts for her sometime-”

I didn’t appreciate your torture yesterday.

Dean spluttered, shaking his head with a grin.

“Cas, you son of a b*tch.”

Sam had since learned better than to question his brother’s conversations with his soulmate, and went back to eating his lunch.

It wasn’t torture, Cas.

You try being quiet in the library when someone is tickling you.

Nice try, but I ain’t ticklish.

Really?

Nope. Not at-

A brief scribble under his arm caused him to recoil, words dying on his skin as his pen trailed into a jerky sort of flatline.

“Dude, you ok?” Sam was giving him a questioning look.

“U-uh yeah, Cas is just being a b*tch, is all” He remarked, before slamming his hands down on the table when something scrawled over his side.

“You sure?”

Cas, you’re so weird. Stop. His handwriting was stilted and shaky despite his efforts to remain unaffected by the pen scratching under his ribs.

“Dean, you are such a liar.” The older WInchester had failed to notice six foot four of brother behind him, reading the conversation on his arm. Before Dean could protest, Sam grabbed his arm and wrote a message to his soulmate.

Don’t listen to him. He’s lying about being ticklish.

Thank you, Sam (?)

Dean snatched his hand back, rubbing at the ink in a vain attempt to erase it. A slight giggle escaped from his lips as Cas moved his focus to his tummy.

Dammit, Cas! Stop!

I need to finish my drawing.

He sighed in annoyance, eyes pivoting to the ceiling in a plea to the Heavens before glancing back down and lifting his shirt slightly. A small galaxy was dotting its way over his torso, stars and planets floating in the gaps between his freckles. His head lowered to the table in resignation. It was going to be a while before Cas was finished.

“Dude, where is your beer?” Gabriel’s head emerged from the kitchen doorway, and Cas looked up from his position in front of the TV to give a vague gesture.

“Second shelf, fridge door.” The loading screen of the WiiU didn’t seem to be moving much. It was one of the occasional times where Cas found himself visited by a brother, normally to play outdated video games and chat about college over beer. To call the experience enjoyable was far from the truth; people meant visits, and visits meant cleaning, which meant trying to convince others through the state of your living space that you were, in fact, mentally stable. Not to say that Cas didn’t appreciate Gabriel’s presence, per se; in fact he found the snarky blonde one of his more bearable relatives.

Cas’s train of thought was interrupted when the familiar scratching of Dean’s handwriting appeared on the back of his hand.

Hey.

Hello, Dean.

“Talking with lover boy again, are we?” The couch cushions sank as Gabriel plonked himself next to Cas, placing a couple bottles of beer on the table. Cas grunted in acknowledgement, too busy reading Dean’s forming words to reply.

You know, Cas, I forgot to get you back for embarrassing me yesterday.

You wouldn’t. My brother’s here.

Great! He’ll probably help me figure out your ticklish spots.

Please don’t.

The pillow resting under Dean’s chin shifted as he turned behind him to face Charlie, rucked up plaid shirt obscuring his vision as she stood beside his bare back.

“You know it’ll take a while to wash off, right? It’s some expensive ink.”

“Worth it,” He grinned. Charlie shrugged, grabbing her ink pot and a small paintbrush.

“He’s going to hate you for this,” The redhead’s smile was full of mischief as she sat down over the lower part of her friend’s back.

“Oh, I know. I know.” Dean grabbed the pen lying next to his hand to write a quick reply to Cas.

Sorry, no can do. Charlie needs to practise her body painting.

DEAN-

Cas’ heart rate shot up, and he turned to Gabriel, eyes wide.

“U-uh, Gabriel, I know you just got here-”

“Something the matter, Cassie?”

“N-not really - yes - it’s complicated.”

“What’s he been saying to you?” Eyebrows furrowed, Gabriel seized his wrist, a wicked grin swiftly overtaking his features. Cas ducked his head, heat rushing to his face.

“Oh, I see~” Gabriel purred, eyes alight with mischief.

“No, Gabriel, it’s not what it looks like-” Suddenly he clamped both hands over his mouth, frame jolting in a reflexive twitch.

“Then, pray tell, ticklish baby bro, what is it?” But the person in question was curled up on the couch, streams of giggles flowing from his mouth as his body flailed in an attempt to stop an invisible tickler.

“Shehe’s pahahainting on my bahack! Mahahahake him stop!”

“Now why would I do that? His friend needs to practice!”

A snort punctuated Cas’ hysterics, and Gabriel paused to laugh at his spectacle of a brother before whipping out a pen and leaving a message for Dean.

“Dammit-” Dean suppressed a grin as Charlie’s paintbrush swirled over the dip in his spine.

“Aww, whassa matter, Dean-o? Ticklish?”

“Shuhut up, this is worth it.”

“If you say so.” He could feel the smugness radiating from Charlie but didn’t have the resolve to snark at her without dissolving into giggles. With a note of hysteria, he wondered how Cas was holding up. Pressure on his right arm made him glance down.

Wow, Dean-o, going in for the kill already?

Dean frowned at the comic sans-esque writing.

Gabriel? How do you mean?

Dude, his back is a major tickle spot. He can’t stand it.

A smirk overtook his features.

Lucky guess, I suppose.

Cas shrieked as the brushstrokes reached his shoulder blades, back contorting in the hopes of stopping the feeling of the ink being swished and dotted in playful swirls over his skin.

“Yikes, Cassie, you sound a little tense.”

“Gahahabe, no!”

“Lemme help you relax a bit.” With that, the elder sat over Cas’ hips, tippling his fingers over his brother’s sides as an experiment.

“Ahahaha, plehehehease!” Cas shook his head, dark hair beyond messy as he tried to escape the torment.

“Please what? Carry on? Sure.”

Cas had heard about Charlie before, and she’d sounded nice enough. Yet for some reason he couldn’t bring himself to think of her favourably any more, not with the downright sadistic painting technique. Each and every stroke took a detour, dragging out the tickling to its fullest before the brush lifted for only a few seconds before touching down on another area of his back to wreak havoc with a new style of brushwork, switching from broad sweeps to brief flicks and dabs. It was maddening.

“Nahahahaha!” His hysterics quickly became interspersed with more snorts, and Gabriel paused his torture to laugh at Cas.

“Are you kidding? Snorts? This is too adorable.”

“Shuhuhuhut uhuhup, Gahahabriel!”

“Telling me to shut up? In your position, Cassie? You’re gonna pay for that.”

Gabriel swiftly returned to pinching up and down his brother’s sides, taking delight in the childish giggles that resulted.

“You okay there?” Charlie’s voice was tainted with mirth; she was enjoying herself way too much, Dean thought. He suppressed a flinch, and nodded, jaw tense.

“I-i’m good. How muhuch longer?”

“Almost done.” She replied, a wolfish grin taking shape as she flicked over a dimple at the bottom of Dean’s spine.

“I swear, you’re going down after this, Bradbury.”

“I’d watch your step, Winchester. You’re in no place to be making threats. And it’s Queen Bradbury to you.”

Dean groaned into the couch cushion. The next few minutes would feel like forever.

“Aahahaha, Gabrihihiel, plehehehehease stahahahahap!”

“Bingo-bango! He speaks! For a moment there I thought you’d turned into a giggle machine, Cassanova!” Gabriel watched with amusement as Cas’ cheeks flushed a darker shade of red at the teasing.

“Ihihih’m nohohot a chihihihild! Plehehehease!”

“Hmmm,” He paused, feigning deliberation as he raised a hand to his chin. “Methinks it’s time for an attitude adjustment, no?”

“GABRIEL NO!” Cas marvelled at the fact the plea managed to make its way out in between laughs.

“More like, Gabriel, yes! Now where was that big bright red tickle button of yours? Yknow, the ones that have ‘do not push’ written on them in capitals?”

“PLEASE DON’T!” The younger Novak kicked his legs against the couch in desperation, dreading the oncoming assault.

“Ah, that’s right!” Gabriel halted, quickly snaking his hands up under Cas’ arms. “There they are!” His fingers wriggled in tandem, a smirk lighting up his features as his brother’s arms immediately clamped to their adjoining torso.

“NAHAHAHAHA!” Cas shut his eyes, the conflicting feelings too much to bear as his nervous system was overloaded with the signals from his heightened nerves. Unmitigated laughter bounced against the walls as he struggled to get free, words escaping his grasp as the tickling became too much. Within seconds, his laughter fell silent, and Cas was reduced to nothing more than a helpless, giggling puddle.

His sibling quickly withdrew his hands, watching as Cas slowly regained some coherency. Eventually, the hysterics subsided into a more controlled flow of giggles, and Castiel curled up into a fetal position, riding out the remainder of the tickle attack by himself.

At long last, Charlie’s work appeared to have come to a halt. Cas lay breathing heavily for a few seconds to regain precious oxygen before cautiously reaching for his pen, ignoring Gabriel’s snide remark about his ‘ridiculous ticklishness’.

I hate you.

No you don’t, Cas.

Dean smiled at the ire seeping from Cas’ message before sitting up and turning to Charlie, careful not to let any wet ink on his skin touch the back of the couch.

“You think he’ll like it?” He huffed. Charlie nodded from beside him.

“It might get you out of any potential repercussions. Maybe.”

“I’ll take maybe over going through that again,” Dean grinned, elbowing Charlie when she reached up to ruffle his hair. His pen drifted to his wrist to elaborate.

No you don’t, Cas. Look in the mirror.

The door to his bathroom swung open, and Cas stepped onto the tiled floor hesitantly, smooth stone feeling cold against his bare feet. Gabriel followed, and the pair stood in front of the mirror above the sink.

“Well, are you gonna see what it is?” He pushed, nudging Castiel in the shoulder. The latter rolled his eyes, and pulled off his ACDC shirt with a huff that was promptly cut off when the ink was revealed. Cas turned in front of the mirror, trying to get a better view of his own back.

“Wow, little bro. That’s a nice tattoo you got there.”

“I suppose Charlie’s practice may have payed off,” Cas admitted begrudgingly, staring awestruck at the masterpiece that had been traced onto his skin. A pair of black-tinged wings rested unfurled on his back, feathers branching out over his back and crossing onto the backs of his arms in places. He stretched, watching as the drawing shifted with his movements - the wings seemed have their own mind, branching out in synchronisation with his body. Cas fumbled for his pen.

…Thank you. I…suppose this warrants a truce?

“Dean Winchester, you are a class A Dork.” Charlie muttered, unable to fight back a grin as she watched their conversation on his skin. They were stood in front of the mirror in the corner, admiring her artistry and waiting for the ink to dry.

“Shut up, nerd.” He teased, wings opening as he reached for his pen.

Sure, Cas. Truce.

#spn #my writing #fanfic #tickle fic #destiel #ticklish!cas #ticklish!dean #soulmate au #requests

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miobambiino · 7 years

Text

‘Taking Slow Steps’ Chapter I

After considering it for a while and it being requested on AO3, I’ve decided to make a part II to my fic Hold On Back (Before Stepping Forward). This is going to explore Steve and Tony’s relationship more now that they’ve actually gotten together, and will look into Bucky and Nat’s developing dynamic - this fic will have a few chapters, I think, so this is the first instalment!

Steve jerked back from Tony, casting a regretful look at the brunette’s way when the hands that were cradling his face were snatched away and set into fists, firmly place at his side.

“Daddy, you said we couldn’t sit n’the counter!”

Clint’s daughter, Lila, had a wry look on her face when she looked back at them. She knew exactly what she was doing.

“You,” Tony pointed at her playfully, ignoring Lila’s tongue poking out at him between a gap-toothed smile. “I thought we were friends,” he hissed.

“You can’t!” Clint’s voice piped up.

Steve gave her a steady look, hands out as if approaching a wild animal in submission - not a seven-year-old.

“How come they gets to do it and’er bein’ all gross ‘n kissing as well?”

There was an uproar from the living room, and Steve squeezed balled his outstretched has into fists, wincing at the sound of footsteps clattering towards the doorway. Tony awkwardly slung his legs from where they hung over the edge of the counter.

Clint practically fell through the doorway, followed by Rhodey and Bucky, who had gleeful expressions plastered over their face.

“Get off my damn kitchen-worktop.”

Tony was brilliant.

Sure, Steve had been aware of that the moment he met the other man on the Helicarrier - despite their first introductions being relatively bitter.

It was only enhanced by the fact that he now gazed at the man through rose-tinted glasses. Well, that was a stretch, because glasses or not, Tony was astonishing.

“You one say that because he gets you off,”

“-C’mon man!” Sam groaned, disgust evident in his tone, while Steve ran a hand over the back of his neck, which prickled with warmth. His cheeks probably weren't any better.

They were hovered round Clint’s dining room table, freshly patched up after a few days rest on the farm. Laura was as welcoming as ever, not caring in the slightest when she interrupted a highly-confidential briefing, or a potentially fatal sparring session outside in her barn, pitchers of home-made lemonade in hand.

Sam just shook his head, and flicked around the schematics that floated in the air from the small device Tony had slipped into his pocket before the mission. It acted like a Cloud, storing essential data, as well as receiving updates from Maria Hill and Nick Fury themselves.

Nat strode in, looking devastatingly menacing even in just a baggy yellow shirt and pyjama bottoms - pink with cats on.

Bucky stared at her, unable to figure out just how she could still maintain an air of intimidation while dressed like… well, like that. She made his mind roll over, but each time it came up blank.

He knew her, better than anyone here. But that was all he knew. He was missing the vital pieces. Occasionally, she appeared in his dreams - just as flashes of red hair and gunfire. But she was in his nightmares too, pulling his head back, exploring his throat, the cold press of metal gently edging into his flesh.

She merely cocked an eyebrow at him. It was like she knew what he was thinking - was in his head, running circles around him. That woman was an anomaly to him, totally unpredictable, unreadable - perhaps the only person he’d ever met that made him feel exposed. Even when he wore a mask - literally and figuratively.

What’s your game, Romanova?

“Right,” Clint announced, clapping his hands together and rubbing them profusely as he strode in, Tony and Rhodey in tow, “What’d we get from Norway, then - other than a cold?”

Sam and Bucky waggled their eyebrows at the Captain, who resolutely ignored them, regarding his team with a firm nod. None of them bought it, but pitied him, and let him carry on acting like He Was Totally Not Flustered.

“Hydra intel from this place is exceptional,” Steve spoke, causing the others to straighten up and regard the projections intently. “The system from the base acted as a kind of hub, gathering information from hundreds of other branches of Hydra.”

“Why was it not guarded more heavily?” Clint asked, voice flat like it was out on the field. Natasha huffed out a laugh at that.

“Were the alien cannons not good enough for you, Barton?”

“Well - theres that,” the archer mused, the corner of his lip turning upwards, “But I mean, if the base was so important, why didn’t they get more backup out there after the first strike? Why was it so… deserted, almost, the second time we - you - got in,” he amended himself, recalling the fact his ribs were too broken to actually go out into the field the second time.

The room hung in a contemplative silence, before Tony spoke up, leaving across the table intently.

“Because it wasn’t the most important thing Hydra has on their agenda,”

His calloused fingers spun through the projections, pinching and flicking through the data, seemingly randomly, before he scaled up a discrete file blandly labeled as ‘Filtration Systems’.

“Why the hell are we looking at this?” Bucky snorted, furrowing his brow at the folder, which was password-protected.

“Was I the only one that noticed?” Tony asked casually, not taking his eyes of the projection, which he was currently trying to decode with lightning-fast finger strokes.

“Noticed what?” Nat asked, gaze flicking intently between the engineer and the schematics hovering between them all.

“Hydra’s filtration systems are funded by a company - a very shady, off-shore company - called Union Tech and Co.” he stated matter of factly.

“Your point being…?”

“Theres a folder labeled Union Tech and Co. over there,” he pointed at the corner of one of the many floating screens, and just as he said, the folder glared back at them unimpressively, “So, we’re left with the question, why does an incredibly advanced computer system from an equally advanced illegal agency have duplicate files that aren’t even under the same tags?”

“Because one of them is a fake,” Natasha finished for him, quirking her head to the side and offering a small yet impressed smile.

As soon as she spoke, Tony had decoded the file, which exploded into hundreds of top secret documents, all of which had been produced in the last six months.

The room was cast in a brilliant blue, swimming in projections of blue-prints, transcripts, photographs of mission sites, of them, of Hydra’s top agents, of Pierce’s scheme, of the Winter Soldier. Steve and Bucky involuntarily stepped back slightly, as if avoiding being struck by a hologram - knowing full well it would merely phrase through them, made solely of light.

Rhodey unfolded his arms and reached for his phone in his pocket, not taking his gaze off the files, taking them in.

“I’ll call down Doctor Banner and the rest of the gang,”

“You can get hold of Thor?” Sam asked, voice distant as his attention was mostly drawn to reading the transcripts before him.

“I can sure as hell try,” the Colonel breathed with a huff of determination, stalking out onto the outside porch for better reception.

Nat had pulled down video footage of conferences shared between the heads of Hydra, Clint glossing over them which craning his neck over her shoulder.

Bucky flicked through the files on him, the other Winter Soldier projects, tossing relevant ones over the Steve, who was mostly engrossed in them, but kept flicking his gaze up to Tony.

The smaller man was sat cross-legged on the oak table, curiously tapping away at the blue-prints for weapons, buildings, armours, aircraft - anything remotely engineer-y. Tony’s intelligence was greatly underestimated; people had this conception that, because he didn’t act like a mild-mannered introvert, that he must not be a ‘Real Genius’.

How wrong they were. This man was brilliant, so fiercely intelligent he’d managed to pick out a needle in a haystack of intel - hell, it was a needle disguised as a stand of hay, if they were sticking with he metaphor. He didn’t think Tony would ever stop surprising him, and the thought of it made his stomach leap in a way that sent warmth etching into is bones. By some stroke of luck, Tony wanted him - the grunt who barked out orders and punched bad guys in the face.

“Banner is loading onto a jet - he’s got Maximoff and Vision with him, too,” Rhodey said, coming into the room and already flicking through the files Tony had put to the side to look at more closely later - the two MIT graduates took the data by a storm, both acting as pieces of a well-oiled machine. Steve couldn’t help but be wistful to have Rhodey’s mind, to have the intelligence to keep up with his best friend.

“Is he flying the jet?” Clint asked dubiously, a flutter of panic crossing his face.

“God, no, S.H.I.E.L.D’s dropping them off,”

“Oh, thank fuck… me n’ Laura only just finished patching up the barn the last time he landed the jet into it.”

“What’s this I hear of yourself and Tony Stark?”

Thor was beaming at hims he strode across the living room, nodding a thanks to Laura and Clint as they welcomed the rest of their team inside their home.

Steve pulled the Asguardian into a hug, huffing out a sigh when they pulled back.

“Its… its barely anything, we just…”

“They were fucking on Clint’s kitchen counter,” Bucky said flatly, expression not betraying any form of lie.

At the same time Thor laughed outrageously and Clint scowled at the man, covering Lila and Cooper’s ears, Steve shoved is friend good-naturedly, breaking the other man’s stoic expression into a devious smirk.

“We were just kissing, for christ’s sake!”

“You kissed Steve?” Bruce spluttered at Tony, who was leaning against the doorframe to the kitchen, much louder than he had intended. Steve shot a look at the man, who had the good grace to look apologetic. He quickly coughed awkwardly, before trying again.

“I mean, cool, you kissed Steve-”

“Save it, Banner” Steve sighed, though it was with a touch of humour.

“As lovely as it is to see you all again - Wanda, I put some of those books you liked on the coffee table - I think I districtly remember you saying there was some urgent Hydra business involving secret Nazi programmes from World War Two,” Laura said, waving a hand around around too casually for the topic of conversation.

The team looked at her in varying stages of amused shock and admonishment.

“Not that Clint told me, or anything,” she shrugged lamely, taking her cue to guide Cooper and Lila out of the room, tossing a playful smirk at her husband, who just shook his head fondly.

“Oh, please - like you never told Pepper shit,” the archer threw at Tony, who looked mildly affronted.

“Why am I being singled out here? Thor tells Jane everything!”

“…I’m not from Earth, I can do as I like.”

“Hydra is pulling together its major Think Tanks from across the globe, pooling all their resources into digging up all the lost information of the serum used on Cap back in the good ol’ days of Polio. Doctor Abraham Erskine ensured he was the only man alive who knew the formula for a successful serum, but he wanted to ensure that he kept all of findings safe for when he needed to refer back to it.”

Tony motioned his wrist, sweeping up images of attempted remakes of the serum, and various documents Erskine had allowed the military to obtain.

“They recently began to make ground in Siberia, after the programme was dug-up again,” the brunette said, mind going a mile a minute.

“The site in Siberia was put on lockdown by the UN, theres no way Hydra can infiltrate it - no one has clearance to enter the premises,” Natasha prompted, arms folded as she leant over the wooden table they were all seated around.

“Yes, and I agree - no way in hell are Hydra managing to sneak past about one hundred armed soldiers defending every entrance to the place,” he then pulled up another file, “But, they were there long enough to find journals from the original team on the programme, many of whom firmly believed that Erskine collated all his data in some vault in Switzerland - the only place not teeming with special interest,”

“Why wouldn’t he have given the US Army access to the vault - if there is one - in the case of his death?” Bruce questioned, pushing his glasses up the bridge of his nose.

“Even I wouldn’t have trusted the US Army back then,” Steve quipped, strolling over to stand next to Tony, taking over the schematics.

“Hydra is adamant this vault exists, they’re even betting all their resources on it, so thats enough to earn our attention. The idea’d been laughed at before, but I’ve go a funny feelin’ that its a bit too familiar to when the US was laughing at Schmidt for believing in Norse Gods,” the blonde said, earning the attention of the room.

Thor shifted awkwardly in his seat, sniffing loudly.

“So, if they’re treating it as a top priority, so are we?” Rhodes questioned, nodding his head in approval when Steve gave an affirmative nod.

“Well, were off to Switzerland, I see,” Wanda smiled at him, just as Sam threw his head back and sighed something forlorn about not even getting over jet-lag from Norway, yet.

They’d decided to head off the following evening, getting one last day of rest before heading over to Switzerland, where they were sure they’d find Hydra sticking their noses into other people’s business.

Of course, not all of them would be going. Sam and Clint still had broken bones, and Rhodey needed more time between missions than the others at the moment; field work was out of the question. Instead, they would stay at the farm, sifting through the data and using their resources to see if they could find any leads on this rumoured vault Hydra had been infatuated in for over seventy years.

Steve wiped at the steamed-up mirror in the bathroom, hair wet and dripping not his shoulders from the shower he’d just taken. He stared at himself, droplets of water hugging his eyelashes, and face recovered from any scraped and bruising they got in Norway; but his eyes were heavy.

God, if he could wake up in a world where they’d finally, finally gotten rid of Hydra, he might be able to walk around with a lighter weight on his shoulders.

He pushed open the bathroom door, stopping short when he saw Tony waiting outside.

The smaller man’s hair was damp, appearing black in the dim lighting of the upstairs hallway, and he had shuffled into a large baggy sweatshirt and boxers, trying to appear nonchalant as he leant against the banister.

“Hey,”

“Hey, yourself,” Steve mumbled around a smile, glancing over the other man’s shoulder to see if they were alone. They were.

“Were you waiting for the bathroom, or?”

“No! Ah, no, actually, I was… I was actually waiting for you,”

“Oh?”

“Yeah, well,” the brunette shrugged aloofly, but the way his feet were fidgeting ever so slightly gave him away; he was nervous.

“Thing is, there are, like, three guest rooms in this place - not that I need to tell you, we’ve been here before and have been staying here, but…”

“But?” Steve smiled, leaning heavily against the doorframe, completely comfortable in his own skin, clad in just a bath-towel wrapped round his waist.

“But, there are four couches, and most if the guys have taken them, then your buddies - Wilson and Barnes, they’re in the spare room round the front of the house, then theres the girls, in the other one-”

“Tony?”

“Yah?” the brunette bit out tensely, trying to pass off nonchalance, but wincing at himself for saying yah.

“I’d be happy to share a room with you,” and the beautiful, crooked smile the smaller man gave him made all the rambling worth it, even if Steve found he didn’t and it much at all in the first place.

Of course, the others had left them with one of the two guest bedrooms with a double bed. Nat and Wanda had nabbed the room with two large singles - they’d spread out on them exaggeratedly much to the digression of Sam and Bucky, who grumbled as they squeezed into one small double bed together in the opposite room.

Steve grinned into Tony’s hair when the smaller man shuffled himself into Steve when they’d gotten into bed, making himself the little spoon. Contrary to popular belief, Tony Stark did like affection; he just had to be certain it would be mutual, save embarrassing himself.

And given that Steve had been kissing the life out of him in the kitchen a few hours ago, he was fairly certain it was mutual.

Steve wound his arm around the smaller man’s waist, pulling him in closely, enjoying the way Tony’s breath blew softly into his forearm - reassuring him of his presence.

Steve found that, for the first time since the accords, he fell asleep with a warmth embracing his body, and the weight on his shoulders didn’t feel so bad.

End of chapter one! Next one will be focused on Nat and Bucky, I promise

Please reblog/like/comment or leave kudos on my new AO3 account, miobambiino

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thediabeteschronicles · 7 years

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the meaning of life

oh life, where art thou. funny im back after a few years. like im drunk texting an ex but probably more healthy than actually being drunk and actually texting an ex. I’m one and a half months away from 4 years without a drink of alcohol (unless you count that time i accidentally coughed while gurgling mouthwash that was terrible). pretty safe to say that by now im firmly set in my decision to never drink again. in fact its been so long that ive started to understand things about myself that i didnt realize before, things that may have drove me to drinking the way that i did. you cant really say this to alcoholics because they think that theyre like everyone else but theres nothing wrong with drinking on its own. some people are great at it responsible, moderation, plan ahead and all of that stuff and then you have the “atleast im not puking in the gutter” crowd wich is very much where i was, puking in the gutter that is. im a very introverted person, it takes way more to unlock me than it should take a normal person. drinking seemingly did away with that. cool new friends who liked me, something to do every weekend, people to be with, i had absolutely no idea what i was doing, and in fact i still dont. its probably pretty safe to say that i completely replaced drinking with Magic The Gathering. who saw that coming lol. in my haze of insecurity and low self esteem lately ive sort of looked at that as a bad thing, like i could be doing more for myself like something more productive with my time. but ive started to appreciate what it means to actually be involved in that game. without realizing it it gives me somewhere to be, people to be around, and a healthy hobby to focus my mental energies on, even if im not the best of best im kind of... not there to win all the time as much as im there just to have somewhere to be. i have a little 5 year old nephew. im so glad he has never or will never see me drunk and out of it. a kid is funny. many people have many opinions on the subject. on the surface they can seem like way more than anyone could ever want to deal with. but there are things i cant explain. i cant explain that feeling when you look at a little guy chewing food for instance... i took him to costco the other day with his gramma, my mom, and i waited in line for a membership and i looked over and hes just sitting there chunching his pizza down with his little head just turning everywhere just looking at everything and all i can think is what is his little brain doing right now how does he process this what does he think. or when hes watching something on tv and starts laughing uncontrolably something happens to me that fascination of his sense of humor his molding into a little person that thinks things are funny, oh my god he talks hecka good now. he asks the tough questions like if santa brought me gifts why where they wrapped in gift wrap that i see in your room LOL, i felt like when i get pulled over and the cop finds weed and asks if ive smoked in the last 24 hours im like um ,noooooooooo.... little guy is also a very large part of where my mental energies go, even though i mentioned magic first lol. being a 90′s kid so very still connected to what childhood was in those times for me, im driven to sort of give him something similar. im at the helm sort of, of making his little universe the coolest it can be. i get to be the uncle that gives him that extra peice of candy or lets him stay up past his bedtime till he passes out or buys him the cool toys he sees on commercials. the sense of responsibility to provide for him is a very good energy to have in my life. even though he isnt all the way mine he is like one or two steps down from being mine lol. you can say what you will about kids, maybe you dont want to have them but i do see now what those parents say when they say that people without kids dont understand, they dont understand that the shitty parts of having to deal with kids are no less shitty but theres is a greater force at work there, something that fills a void. something greater than you is happening at that moment, someone is fully and completely dependent on you to make sure they dont die. this force has helped me. like fuck my self diagnosed depression fuck the way i feel i cant do anything for anybody, i could never have him look at me and say hey can we do this and have me be like naw man im all bummed out im just gonna lay down. things havent been all the way peachy but to cover everything that happened since the last time i blogged would take 12 other blogs the size of this one. that being said i got an offer to move to wyoming and actually almost took it until i told my BFF about it and he quickly got me a job lol. i am so lucky to have that friend and im so klucky to have this job now. literally the convo went hey man shits rough probly move to wyoming friend can get me a job there and hes like what you need a job heres one lol. im not religious or anything but my grampa told me, Mijito a job is a gift from god. but ive evolved past my rabbid preachy atheism (in person) to realize that in his day religion was a powerful force and the economic situation he had in his life was probably very different to mine but what he meant was yo grandson a good job is a very good thing. in his day jobs were laborous and demanding, i sit at a desk answer phones and type on a computer and do math problems... lucky doesent begin to describe it. the road is still bumpy like it is paved with stone. ive seen the third world in the flesh ive smelled it ive felt it ive heard it ive tasted it ive touched it. ive had to read reports of cartel shootings lootings and burnings where my mom is from. ive driven from here to mexico along the way you see the poverty you see the despair you see the gap, but you also see the hospitality you also see people driven to do anything for a little change, kids selling candy on the street trying to clean your windshields trying to hustle anything up. kids my nephews age younger even. we have one shot, and the roll of the dice put me where so many would wish to be in life. compassion and understanding must be the attitude held in life. we must strive to appreaciate what we have because its all we have and we are all in this together. to quote pops from Luke Cage’s tv show, always forward, forward always.

#depression #alcoholism #alcohol abuse #recovery #magic the gathering #self doubt

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relationshipadviser-blog · 5 years

Text

Esther Perel: 'Fix the sex and your relationship will transform'

New Post has been published on https://relationshipqia.com/must-see/esther-perel-fix-the-sex-and-your-relationship-will-transform/

Esther Perel: 'Fix the sex and your relationship will transform'

Esther Perels breathtakingly frank therapy podcasts Where should we begin not only make for juicy listening, theyve revitalised the stale private lives of millions. Miranda Sawyer listens to the psychotherapist

Passion has always existed, says Esther Perel. People have known love forever, but it never existed in the context of the same relationship where you have to have a family and obligations. And reconciling security and adventure, or love and desire, or connection and separateness, is not something you solve with Victorias Secret. And there is no Victors Secret. This is a more complicated existential dilemma. Reconciling the erotic and the domestic is not a problem that you solve. It is a paradox that you manage.

Ooh, Perel is a great lunch date. All psychotherapists are, in my experience, but shes particularly interesting. Sex, relationships, children; she covers them all in the two hours we spend together. But also collective trauma, migration, otherness, freedom all the good stuff.

Perel is a practising couples and family therapist who lives in New York. Aside from her clinical work she counsels around 12 couples or individuals each week she has two best-selling books: one about maintaining desire in long-term relationships (Mating in Captivity), the other about infidelity (The State of Affairs). She has released two fascinating podcast series, called Where Should We Begin?, where listeners get to listen in on real-life couples having therapy with her. The podcast is where I first came across her its won a British Podcast Award, a Gracie Award in the States and was named as the Number One podcast by GQ.

On top of all this, she hosts workshops and lectures as well as the inevitable TED talks, one of which has been watched more than 5m times. I went to one of her London appearances earlier this year. Alain de Botton was the host and he introduced Perel with quite some hyperbole, calling her one of the greatest people alive on Earth right now. (Perel dismissed this afterwards, though she likes de Botton: He put me on such a platter.)

Esther Perel sometimes sings to her clients; she tells them off quite a lot, especially if they think sex should come naturally. Photograph: Jean Goldsmith for the Observer

The reason for Perels popularity is her clear eye on modern relationships. She says, rightly, that we expect much more from our marriages and long-term relationships than we used to. For centuries, marriage was framed within duty, rather than love. But now, love is the bedrock. We have a service model of relationships, she says to me. Its the quality of the experience that matters. She has a great turn of phrase: The survival of the family depends on the happiness of the couple. Divorce happens now not because we are unhappy, but because we could be happier. We will have many relationships over the course of our lives. Some of us will have them with the same person.

For a while, Perel wasnt taken particularly seriously by the therapist community: she tells me that when Mating in Captivity came out in 2006, it was only the sexologists that thought it was great. This is because her thinking went against long-established relationship wisdom, namely that if you fix the relationship through talking therapy, then the sex will fix itself. Perel does not agree. She says that, yes, this might work, but I worked with so many couples that improved dramatically in the kitchen, and it did nothing for the bedroom. But if you fix the sex, the relationship transforms.

We meet in a boutique hotel in Amsterdam, where Perel orders her food in fluent Dutch. She has a light Belgian accent (she says boat for both), and she wears some delicate gold jewellery, a bit like the Indian hath panja, on her right hand. (Both of these seem to excite American journalists, along with Perels good looks. A relationship therapist who you might fancy, shocker!)

We begin talking about her podcast series. Its an astonishing listen, partly because you get to earwig other peoples problems (always great) and partly because Esthers methods are so flexible: in the first series she got one young woman to wear a blindfold while her partner inhabited a more assertive sexual character, which he did by speaking in French. She sometimes sings to her clients; she tells them off quite a lot, especially if they think sex should come naturally: Who the hell told you that BS?

Series three, released next month, is slightly different to the last two. This time round Perel very deliberately chooses couples at different stages, because she wants to show an arc of a relationship, all the way to its end. Also, she says, I wanted to bring in the way that relationships exist in a larger, social, cultural, context. That context often gives a script about how one should think about suicide, about gender, about divorce and so forth. So we hear from a young couple coping with enforced distance in their relationship: one is US-born and the other is Mexican, without a US visa. Another is a mother and her child, who does not identify as either gender. Another couple, with a young child, have divorced, but seem to get along much better now: why?

Perel finds her podcast therapees via her Facebook page: they apply in their thousands. Her podcast producers sift through, using guidelines that Perel suggests them: this time round she knew she wanted to cover infertility and also suicide. Then theres a lengthy pre-recording interview process where its explained to the couples that, yes, this really is going on air and, yes, they might be recognised (from their voices; theyre anonymous otherwise). Are you OK in understanding that your story will become a collective story? You will be giving so much to others, as well. Its not just for you, actually. And then they have a one-off session with Perel for three to four hours, edited down to around 45 minutes for the podcast.

She loves the format. The intimacy of it, the private listening of it, the fact that you dont see them, thus you see yourself. You hear them but you see you. It reflects you in the mirror. But also, surely, its quite exposing for you? Oh yes. People can come and hear me give a talk, but theyve never seen me do the work and you cant talk about what you do. But when you write a book, that is the first part of exposure. Then comes TED and the podcast. If you ask, What does Perel do? My colleagues know how I do.

Perel is 60 now; I wondered how she found being a relationship therapist when she was younger, in her 20s. Werent clients put off by her youth? Actually, Ive always found that the age of the clients goes up with me, she says. It mirrors. I dont know why. She doesnt think lived experience is necessary, though sometimes she wonders how she had the chutzpah to counsel parents before she became one herself (now she has two grown-up sons; shes still married to their dad, Jack Saul, who is a professor and an expert in psychosocial trauma). But then I have worked a lot with addiction, and Im not an addict.

Interestingly, she came to therapy via drama. Drama and collective trauma. She was the second child of Polish Jews who came to Belgium as Holocaust survivors (Perels first passport was a stateless passport of the UN). In Belgium, they became part of a community of 15,000 Jewish refugees.

Loss, trauma, dismantlement of the community, immigration, refugees All these themes that I observe in the world today, were basically mothers milk to me, she says. Everybody had an accent, a good number of people had the number on their arms. There were no grandparents around, there were no uncles. Its all I knew. Its different than if it was just your parents. Its every home I went to. One of Perels earliest memories is of card games where her parents would talk of a friend, and someone would say, casually, Ah, he was gassed, he didnt make it.

Perels parents had her older brother in 1946, then she came along 12 years later. This was not uncommon. When people came out of the camps, the first thing they did to prove that they were still human was to have a child. They waited to get their periods back, and then they had a child. But then there was a gap of 8, 10, 12 years before they had another. Perel thinks this was because the parents needed to establish themselves in society. Hers ran a clothes shop in Antwerp. The family lived above the shop. They spoke five languages: Polish, Yiddish, German, French and Flemish. Every evening they watched the news in German, French and Flemish, to get a good all-round view.

Divorce happens now not because we are unhappy, but because we could be happier: Esther Perel. Photograph: Jean Goldsmith for the Observer

As a teenager, she was interested in psychology, mostly because she hated the strictness of school. She read Summerhill: A Radical Approach to Child-Rearing, about a British school run like a democracy, and from there she moved to Freud. I was interested in understanding myself better and in people around me. People dynamics. I was quite melancholic and I was often wondering, How does one live better? How do you talk to your mother so she understands you better? Id say the primary ingredient I had was curiosity. I was a massively curious person I still am. She was also a good listener a confidante for her friends. I tell her she would have made a great journalist, and she agrees: That would have been my other career.

After school she went to study in Jerusalem, a university course that combined French linguistics and literature. More importantly, she developed her interest in theatre, which had begun in early adolescence. I assumed she was an actor, but shes talking of improv and street theatre, with puppets, of all things. Big ones, you hold them on two long high sticks, or I did hand puppets. She liked the immediate contact with people and gradually, she found herself merging these skills with her studies, doing theatre with gangs,with street girls,with Druze,with foreign students. At one point she went to Paris to study under Augusto Boal, who created the Theatre of the Oppressed. He would stage fake crises in everyday situations: actors pretending to have a physical row on the Metro, for instance. Perel found it interesting to see which passers-by would get involved and which would turn away.

She moved to New York to do her Masters. She specialised in identity and immigration How is the experience of the migrant different if it is voluntary migration or forced migration? and in how minority communities relate to each other. She led workshops for what were then called mixed couples: interracial, intercultural, interreligious. I knew the cultural issues. I knew how to run a group. I dont think I knew much about couples dynamics.

Around that time her husband, who is a few years older than her, suggested she might enjoy systemic family therapy. I ask what this is. For a long time when people looked at a problem, they thought the problem is located within the person, says Perel. But systemic family therapy thinks that a family, or a relationship, is made up of interdependent parts. What is the interactive dynamic that preserves this thing, that makes this child not go to bed? That makes this man never get a job? That makes this son be such a nincompoop? How is the family system organised around it? You need two to create a pattern, or three or four or five.

Its interesting how therapy has trends, I say, and how those trends manifest themselves in actual life. Couples therapy goes in parallel to the cultural changes and the expectations in a culture, says Perel. During the 1980s her married clients didnt come to her because their sex life was bad, they came because of domestic violence or alcoholism, not because we dont talk any more. Back then, the shame was to get divorced at all, even if one half cheated; now its not to get divorced if one half cheats. She saw clients having problems with infertility, the changing role of women and daughters, the Aids crisis. In the 90s, single mothers, blended families, gay couples with kids. Todays problems, she says, are often centred around people marrying later, after a sexually nomadic youth. Also, modern fatherhood dads wanting to be more involved in childcare and monogamy versus polyamory. Straight couples are becoming more gay, gay couples more straight.

The obvious question, of course, which she has been asked many times, is how Perels own relationship works. She doesnt like to give too many details, but what she does say is that she and Saul give each other a lot of freedom If youve had an interesting life, you have more to bring back, something that energises the couple and that they renegotiate their relationship as it changes. At the moment her husband is entering what she calls a third stage, and he wants to paint more. This means he will be away from New York a lot, while she is usually in New York or travelling herself. We need to, once again, come up with a new rhythm of how we create separateness and togetherness. Its a fundamental task.

She wants others not to copy her own relationship, but to use her work as a way to better their own relationship for themselves. And plenty do. Just the other week a young woman came up to her and asked for a selfie. She said, My boyfriend listens to you all the time, and he comes home and he says, Have you listened to this episode, we need to talk? The podcast is a transitional object, a bridge for conversation. Like a teddy bear that you hold and you say: Its OK, dont be worried.

Like when couples talk through their dog, I say.

Yes, she says. There is such disarray and such hunger about getting help on how we manage our relationships today, on navigating the challenges For the first time we have the freedom of being able to design our relationships in a way that we were never capable of doing before, or allowed to do before. So, I dont give the details of my relationship. Instead I will give you the tools to come up with your own thing.

Season 3 of Esther Perels Where Should We Begin is available exclusively on Audible from 5 October

Try this at home

Three ways to change the way you think about your partner at home

Pay attention to what is important to the other What happens in a couple is that we often give to the other what we want them to give to us. If somebody is upset, you dont talk to them, because when you are upset you like to be left alone. It isnt necessarily what they need.

Roles are often patterns rather than habits If you really want the other person to take out the rubbish, you have to be able to spend two weeks not doing it. You dont say anything. You just wait until the other person finally notices it. When youre not there, the other person sorts the bin. They can do it. Its just that when youre there theyd prefer not to.

Women are not less interested in sex than men, theyre less interested in the sex they can have What makes women lose that interest? Domesticity. Motherhood. The mother thinks about others the whole time. The mother is not busy focusing on herself. In order to be turned on you have to be focused on yourself in the most basic way. The same woman whos numb in the house gets turned on when she leaves. She doesnt need hormones. Change the story.

Read more: http://www.theguardian.com/us

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themoneybuff-blog · 5 years

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Your Career Is a Multimillion-Dollar Investment, So Manage It Wisely

Over the course of a 40-year career, the average American with a bachelors degree can expect to earn about $1.8 million. When viewed by gender, the cumulative earnings shift somewhat, with women taking home $1.4 million over four decades compared to an average of $2.1 million for men, according to estimates by theIndiana Business Research Center at Indiana Universitys Kelley School of Business, The substantial gender pay gap aside, when viewed in this way, it becomes far more obvious just how valuable ones career can be. And those figures are just the averages. For those who manage a career as actively and shrewdly as they might an investment portfolio, aggressively working to maximize its potential as a financial asset all along the way, a careers worth of earnings could be worth far, far more. The most important part of thinking of your job as an investment is actually pretty basic: realizing that you dont just have to make an investment, you have to manage it as well, says from Emmet Savage, chief investor at MyWallSt, a learning and investing app. What does that mean exactly? Here are some ways to help make the most of your career arc and the amount of financial gain, growth, and opportunity you realize over the course of a lifetime. Change Your Mindset In many ways, treating your career as a multimillion-dollar investment begins with altering the way you view work in general. For most people, a job is just that. Something they do as a must to pay bills without really thinking about their end goal or ideal outcomes, says 35-year-old Greg Dorban, chief marketing officer for Ledger Bennett. Dorban, however, never viewed work on such simplistic terms. In the space of just five years, he progressed from intern to co-owner of a multinational marketing agency that generates eight-figure revenues, a meteoric rise he attributes to starting out with a much broader view of work than merely making ends meet. Early on Dorban established a North Star for himself the goal of owning a business in short order. This shining beacon guided his subsequent steps, inspiring him to take actions to rise above the day to day hustle of earning a living, including consistently investing in himself and in the training needed to maximize his professional potential. Building the right skills will be the best investment you can make as the payoff positively impacts so many areas of your life, not just your wallet, says Dorban. The underlying message of his story, Dorban adds, is that when considering your career, allow yourself to think bigger than simply bringing home a paycheck to cover the next rent or mortgage payment. Then identify the training, new skills, or specific experiences and growth opportunities needed to reach that higher goal. Maximize the Benefits of Everything You Do The idea of always being on and bringing your professional A-game wherever you go can be off-putting to some, but theres something to be said for recognizing the potential of all situations, including the most ordinary of moments. Erica McCurdy, a certified master coach and managing member of McCurdy Solutions Group, calls this utilizing and maximizing the benefits of everything you do, which she says can accelerate the power of your time and efforts with regard to your career. This includes making sure to introduce yourself to everyone at a meeting and at every place you pause on the way to and from the meeting, says McCurdy. It also means collecting business cards, connecting with each person on LinkedIn, including a personal message, and scheduling coffee meetings with those people who pique your interest. Never forget to send thank you notes to those who helped make the day possible, adds McCurdy. Finish up the day by updating your career and contact log so you dont lose any valuable information. There are countless points along the way where you might come into contact with someone who can open a new door for you or somehow play a pivotal role in moving your career to the next level, so keep your eyes open to the possibilities. Dont Pass Up Free Money Maximizing your earnings over the course of a career also means taking some very practical steps as well with the financial opportunities your career presents. This includes being sure to enroll in an employer sponsored 401(k) plan, particularly if the employer matches your contributions, as that match is free money and can add up over the course of a lifetime. The first and best advice I give to new hires is to contribute the maximum to their 401(k), says careers analyst Laura Handrick of FitSmallBusiness.com. Many dont understand the concept of compound interest, so as an HR professional, its important to educate employees. Handrick also suggests that if your company offers financial planning workshops, be sure to attend. This is another opportunity to expand your financial skills at no cost to you. But 401(k) matches are merely one example of the financial opportunities available through your workplace. Take Advantage of Tuition Reimbursement Many companies offer tuition reimbursement programs to help cover the costs of continuing education for employees who want to go back to school and obtain degrees or certifications. Brent Michaels, a registered nurse and creator of the website Debt & Cupcakes, says these offers have financial value on multiple levels. I graduated from nursing school with minimal student loan debt and have been able to work toward my Bachelor of Science in nursing and other certifications without spending a dime, he explained. In addition, as I complete classes, I grow professionally and personally, and the knowledge from these courses helped me secure promotions and business opportunities that would not have been available to me otherwise. Even just earning certifications, says Michaels, allows him to stand out as a motivated employee, which pays off in spades over the long run. and On the Job Training Obtaining an advanced degree or certification isnt the only way to distinguish yourself and maximize career earning potential. Many employers offer on the job training related to specific tasks the organization deems important, said Michaels. Dont pass up this opportunity, either. You may also want to actively search out such opportunities if theyre not openly available. I knew that project management was needed for a promotion I was hoping to obtain in the future, but I had no experience. I intentionally volunteered to work on projects so that I could network with the project managers, he explained. I developed relationships and obtained free project management training. This cost nothing more than my time, and allowed me to secure a promotion a few years later that increased my salary by over 25 percent. Networking Your network is everything; use it to maximize your ROI. Lets face it, you can have the best resume, you can be the best employee out there, but having people of trust who can vouch for you is irreplaceable. Nothing can beat that, begins Peter Koch, creator of the site Seller at Heart, which is focused on how to save and make extra money. Koch is obviously on to something: As many as 85% of jobs are filled via networking,according to a LinkedIn survey. This means that when youre searching for new career opportunities to boost your pay, it really is who you know, continues Koch. If youre able to make good impressions on others in your field and provide value to them, theyll be happy to recommend you next time their company has an opening you could fill. Employers want to build a team of people they trust, and a personal recommendation from a colleague will always carry more weight than an unknown applicant emailing their resume. Need an added reason why networking is so important? Switching jobs is often a better way to increase your salary more significantly, as opposed to waiting for a raise at your current company. In fact, those who leave their employers to take a new job are realizing pay raises that are about one-third larger than those who stay put. As of this past July, wages for job hoppers grew 3.8% from a year earlier, compared with 2.9% for those who opted to stay with their current employer, according to data from the Federal Reserve Bank of Atlanta. Lean Out All of these tips and tactics really lead to what career coach Denise Riebman refers to as leaning out with your career.Ribeman recently gave a keynote speech about building your career capital heres what that means. Its really about doing a skill and knowledge gap analysis and asking where you do you want to go to in your career and investing in yourself to get there, she explains. See who is a couple chapters ahead of you and identify the gaps to get there. And like Koch, Riebman says a critical part of leaning out means actively expanding that professional network, or having what she calls an open network, which will ultimately help you to be more successful professionally and financially over the long term. Traditionally people like to stay in our tribes, among people we know, people we went to school with, said Riebman. The problem is that those people have same ideas and same information as you. Having an open network is about building your career capital. Mia Tayloris an award-winning journalist with more than two decades of experience. She has worked for some of the nations best-known news organizations, including the Atlanta Journal-Constitution and the San Diego Union-Tribune. Read more: https://www.thesimpledollar.com/your-career-is-a-multi-million-dollar-investment/

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superblyjovialtheorist-blog · 6 years

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i have japan based luxury car. my friend saying pay insurance in a good company. so i am searching company? thank you.

I am selling my car and I have a suspended driver's license. What kind of insurance policy can I buy?

My driver's license will be under suspension until January 2014 and so I have decided to sell my car. What do I do about insurance? I dropped mine when I realized I would not be driving as a way to save money, but now that I want to sell the car I believe I need the insurance even just for someone to take a test drive. Are there short-term or reduced costs policies available in this situation? I would of course immediately not need the insurance once the car is sold, which could be very soon.""

How do you get what you need with no medical insurance?

Hello. I am 25, recently kicked my roomate (ex boyfriend) out of my apartment, and am having to switch jobs in order to make more money. The new job surprisingly offers decent health and dental, and I am going to get it asap. But as everyone knows, it takes a good long while. I am entering a new relationship and need to get on the pill so I can have sex without making babies lol. Does anyone know of any decent, somewhat affordable options?""

Car insurance under parents name in a different state?

I go to college in Washington and my parents live in Hawaii. I was wondering if i could buy a car here with the title in my name and have the insurance in their name since my insurance rates are sky high.

Cheap Car to insure?? (UK)?

Hey, I'm 18/female and was looking to start my driving lessons soon and I was wondering what cars would be cheap to run and insure, and does anyone reccomend any driving schools that are an okay price..if you could put links up to cars I would be grateful. Thanks :)""

Can a ticket in another state affect my insurance rates?

Do I qualify for low cost Health Insurance?

I'm under 21 & still living at home. I live at home with my mother & sibling. My mother can't afford insurance through her work beings it'll be almost 1/3 of her paycheck a month. I work part time as a waitress making under 5,000 a year for now as I look for a full time job. So my question is: Do I qualify for any type of low cost health insurance to cover just myself? I've tried looking on sites like health .gov but because my mom has insurance available through her work it's basically saying i'm screwed out of insurance of my own. I need all 4 wisdom teeth pulled asap, as well as basic medical check ups & such that I can't afford on my waitressing salary. I really need all the help I can get. Please answer. & no, my job doesn't provide any insurance.""

How much would it cost to insure my motorcycle?

I plan on buying a Suzuki dr-z400s and I'd like to know what some people are paying for their insurance. Or maybe just what I would be paying. I'm 16 years old, Male, and I have a clean record. I'm not sure what kind of insurance I would get but probably just liability. Thanks!""

How am i meant to afford car insurance?

OK, Im working at island, earning minimum wage. Im at uni and Ive got to pay out 330 every term to pay my train ticket. Lucky Im staying at home so I dont have any rent. Nor am I going out drink anymore. Im looking to buy a car, to get around, get to work easier etc. How I cant see any way for me to afford this. My parents wont help, saying no one helped them. This is understandable as they are keeping me for free, although i clean the house as rent. Im just wondering if anyone knows anyway I can get insurance cheaper (I have pass plus). I just dont really want to get a loan for a car and insurance.""

""I'm a independent freelancer, what can I do to get affordable health insurance?""

I live (rent an apartment) in Pittsburgh, PA. I do not require any life sustaining medication- what health care options are available to me and how do I go about getting it?""

CAR INSURANCE FOR 18 YEAR OLD GIRL?

Planning to buy a car. Prefably Vauxhall Corsa or Toyota Yaris. How much would the insurance be. Corsa is 3E and Toyota is 2E but toyota is more expensive to buy compared to the corsa. How much approximately would insurance cost for 3E or 2E insurance group for an 18 year old female in london? Any cars you would recommend as a first car? Cheap insurance? Thanks

What company has the lowest auto insurance rates?

My insurance rates just went up $100 a month because of speeding tickets I got last year. I took an improvement class right after I got the ticket and am also getting ready to turn 25. I was hoping my rates would go down and nit up to $250 a month. Anyone know any companies?

How can i lower my car insurance quotes?

hi im 16 and am soon going to be able to drive so i have started to look at what my inurance quotes will be for a newly qualified driver, and there to high at 3000+ for a renault clio with a 1.2 engine. Just wondering how i might be able to lower this figure with some kind of higher qualififed driving licence, if there are any compaies that insurance new drivers for quite low amonts or if i am just going to have to wait until i am older?? thanks""

California Health Insurance?

I am looking to get health insurance for a year, more to take care of neglected issues than to cover my butt if I get sick/hurt (I'm 27, betting on youth and good health!). Kaiser seems to be the most appealing because they cover a broader range of services. I am namely interested in physical therapy (winged scapula), dermatology (oily skin/acne), perhaps mental illness services as I have suffered from depression (although I somewhat consider it a problem of my past). I'm aware insurance plans won't cover preexisting conditions, but how can they really prove these issues didn't start yesterday, right? I'm overwhelmed with my choices. Is it worth paying $330/mo for $0 deductible, 0% coinsurance, $40 co pays and a max out of pocket @ $3000? Or is it smarter to pay $166/mo, $2700 deductible, 0% coinsurance, $0 co pays after deductible, and max out of pocket @ $5000 (including deductible)? Etc. I have put off getting insurance because I'm scared I will pick a completely inappropriate plan. Can anyone shed some light on this for me?""

""I'm about to turn sixteen, how much can i expect to pay for car insurance?""

I have no criminal background, my employer and teachers can give me really good recomenndations, i don't know if anyof that matters though.""

Could someone give me an estimated price on my insurance?

20 years old 2011 standard v6 camaro

Car provisional insurance?

Well i was wondering i bought a renault clio im on my provisional licence and quoted 900 pounds for a provisional insurance and 2000 for full licence if i payed 900 for a provisional would i then have to pay 1100 to get it to full insurance or the whole 2000 to get it to full insurance?

Insurance males/females?

I saw it here and did not believe it. An answer stated that now some states cannot charge more for males (for car insurance) than they do females. Does this also apply to health insurance? Why only some states? Anything would be helpful.

Is car insurance cheaper in Delaware the PA?

I am going to be moving from Pennsylvania to Delaware in the upcoming months. I will need to change my auto insurance and was wondering for anyone else that has made this move, is it cheaper to insure in Delaware(Wilmington) then in Pennsylvania(suburbs)?""

cheap one day car insurance for 19 year old

Typically Cheapest Auto Insurance Company in Massachusetts?

Suggestions anyone? Anyone shopped around and found a company that is better overall?

Can anybody help me figure out how much car insurance would be?

I am 19 years old, female, and I'm moving out on my own. I have to buy my own car insurance. I have a 2004 Mustang that is completely paid for in my name. I need help finding a good insurance company and price range?? PLEASE AND THANK YOU (:""

Insurance help please?

hi, does anyone recommend an insurance company for 18 year olds? the quotes i keep getting are around 2000 quid. my mate has a 1.4 corsa and his is 1400 - am i missing something? thanks in advance. additional: i have a 1.4 golf, it has the same bhp as a corsa.""

Landslide in San Diego.....are the homes covered by homeowners insurance?

Are there any insurance that would have covered for their losses?

Which would be cheaper insurance?

I'm 15 and for my first transportation vehicle. Which would cheaper on insurance. A sports bike with 500cc or 2014 mustang gt? Which one would have a cheaper insurance rate?

A question about car insurance in California?

The other day I recieved a letter in the mail that said I need to go get my car insured or it could be suspended. I want to get the cheapest insurance possible (state minimum). What company has the cheapest insurance and how much can I expect to pay per month?

Manufactured home insurance?

Has anyone dealt with any companies dealing with insurance for relocatable homes. We are looking for an insurer of these type of dwellings

A theory on how to reduce car insurance for young drivers?

I have an idea of how to reduce my insurance for young drivers like myself, and it goes like this, I buy a motorcycle for about 10 to nothing(it could be broken I don't care), with this motorcycle I insure it for about 100, because insuring a motorcycle is a lot cheaper than insuring a car, then for a year I have no claims with this motorcycle, would this then reduce the cost of my insurance premium for a car?""

Can I drive my parents car without insurance?

Can I drive my parents car without insurance, the car is insured under my parents name, ( we live at the same address) and also can I drive someone elses car without insurance with his or her permission""

B Average for Car insurance Discount?

Will I still get the B Average car insurance discount if I have a 84.86 Average?

Car insurance rates question plz help 10 pts?

I pay $187 a mth for car insurance & that's full coverage with $500 deduct. The reason I was told I'm paying that much was bc of a big wreck I had back in Aug 2010 and since it's coming up on 3 yrs and my premium expires in Aug I'm expecting my rates to go down a little. My insurance company jus told me that that's not why I'm paying that much it's bc of 2 speeding tickets I got back in 2010 Feb & April bt when my premium expires in Aug my rates will go down. My question is can you guys give me a estimate on how much you think I'll be paying in Aug when my rates go down??! I live in S.C. Btw Thanks so much in advance

Can please someone suggest the cheapest and yet good car insurance company?

thanks

Health insurance for a married couple.?

My wife and I haven't had insurance since we graduated college this past winter and moved to California. We are now waiting for me to start dental school in the fall and I am working at a company in California with no benefits. We have one child who is covered and thus doesn't need to coverage. So we are looking to find insurance from now until mid August (about 5 months). Do we need to get short term insurance? What should we expect to pay for the two of us? Should/can we get covered individually? Any companies that you suggest? We would be more interested in low premium high deductible.

Where to get medical help for 53 year old severe diabetic friend without insurance? Nashville TN area?

My friend makes too much money for government assistance (she makes a dollar above minimum wage) The income based clinics in our area are not excepting any new patients for a least 3 ...show more

Car Insurance quote question?

When I try and get a quote for some cars on either Tesco or Direct line, it tells me they cant give me a quote online and il need to ring them. Also, the browser wont let me go back, so they make you close the window and type out another quote all over again! Why do they do this? The car I want to insure is a Nissan Navara D22. I am guessing that its because its a commercial vehicle and they want to check if il be using it for commercial use. I am 18 and have had my licence for a year, and I will be the named driver on the policy, my dad being the main driver who has over 30 years NCB! I managed to get a quote for a new Navara, not the D22 version and that was about 1990. How much do you think the D22 will be? Do you think they might class it as a van and not insure me because im under 21?""

What old coupes are there that are cheap to insure for 17 or 18 year old?

I want a cheap coupe and be able to also have cheap insurance on one because I want to customize a car as a project and keep adding more things to it slowly. Also I don't want one that is from the 1970's I want one from the 90's or higher like the Mazda RX7 or the Toyota Supra. The problem is these cars don't cost much but they're a hell lot of money to insure because of their power output. Please don't tell me any hatchbacks because I hate hatchbacks with passion. I could live with one stock but I want to customize my car so I want it to be a good looking coupe or a saloon, thanks.""

How much will my insurance rise?

I recently got a speeding ticket for going 9 over in a school zone as well as one for talking on a cell phone in a school zone. I was curious as to how much my insurance will rise. I am 18 and recieved the ticket in Texas. This is my first offense(s). How many points for insurance is a cell phone ticket? Thanks so much!

Will getting a CA medical marijuana card affect my health insurance coverage?

I was considering getting a medical marijuana card here in California for my insomnia but I was wondering if it'll go on my medical record that I use cannabis and therefore make my health insurance more expensive. Will my doctor be able to see that Im a medical marijuana user?

In obtaining car insurance quotes which is more of a liability from their point of view?

I have the option of parking on the street or in an unsecure car park - think they would view car park as safer even if open?

Cheap car insurance for occasional driver ?

Hi everyone! I was wondering if anyone knows if an occasional driver's insurance exists? I dont have my own car. My parents do and sometimes I use it for school- once or twice every 2 weeks. Recently, my dad hasnt been allowing me to use it (at all) because I dont have my own insurance and it is too expensive for them to include me in theirs since I dont use the car too often. Do you know any car insurance that is affordable- which company, etc, for someone like me who only borrows a car occasionally? Thanks! x""

Car insurance? Can i move my points?

How long after i cancel my current insurance can i use my no claims bonus on another insurance policy?? Im with gladiator with van insurance but getting rid of the van and getting a car on friday so am wanting to cancel my van insurance tonight and get car insurance friday so will want to be shifting my no claims over... Can i do this?

Cheap Car Insurance for a 17 year old ?

I am looking for car insurance in Britain. I am 17 next month so I am looking at provisional prices which aren't too bad. I was curious and put in my birthday a few months earlier and said i had passed, the price was in excess of 4000, for a car worth 1000 ? I then put in the details of a friends new car, hes 17 and only just passed. Rich and got a 2011 bmw 1 series top of the range, quote was 9,500. How can a 1000 car be only 5000 cheaper than a 30000 car, none of this makes sense ? I know we are 4 times more likely to crash but does anyone know of any cheap insurance companies for 17 year olds just now ?""

What are my options for extremely decayed teeth and no insurance?

I have extremely bad tooth decay and I have no insurance. I really need to do something about it before it starts causing more serious problems. I am assuming they will all need to be pulled and I will need dentures, or at least pretty close. There are not many teeth in my mouth that have not shown signs of decay. Is there any good options for me that will not leave me in tons of debt? I am not looking to pay nothing, I just can't afford to be left with huge bills that will take me years to pay. Thanks for any help.""

Questions about letter from insurance company?

I got a letter today from my insurance company who insures my homeowner's insurance - it said that they need to do an inspection of my home to see if I am maintaining it properly. I've been here since November 1999 and I've never gotten a letter like this before. But I was with another insurance company for several years - but I've been with this one for about 3 years I guess. if this were normal practice then why would I get a letter now and not every year? Is this normal insurance practice? This is the first time in my life that I've gotten one of these letters about a homeowners policy if it is not normal practice would this be because someone said something?

Why is my insurance quote so much and what is NCD? Im 17 years old!?

I understand with me being 17 my insurance will be a little high but the quotes im getting at the moment are hitting the 2500 mark whilst some of my friends are getting insurance between 600-1000 so why is mine so high? Also; What is no claims discount? Ive literally only just passed my driving test and no ones has explained to me what this is and i have a feeling me putting '0 NCD' is contributing to high insurance, is it? Why do i have to put how long ive lived in the UK as well? Im a British Citizen, parents british but i was born abroad and only moved to england when i was 11 as my dad was in the army so we travelled, but does this affect my insurance as well? sorry for all the questions, just need some help. Also, the car im trying to insure is a second hand Ford Ka Collection, 2000w, 1.3 petrol Thanks""

cheap one day car insurance for 19 year old

How much is car insurance?

I'm 17 and I need insurance for a car so I can own it. How much is it usually for an kinda old car like 2010 or older?

Insurance on a 69 camaro?

How much will it cost a month for insurance on a 69 camaro and i live in florida and im 16

Is it cheaper for a first time driver to insure a van?

Hello, If I were to buy my first car, the insurance is about 3k at lowest of the low. But do you think a van would be cheaper? Can a 17 year old get van insurance?""

Car insurance for a new male driver with an older truck?

Ok so I am a new driver, just over 16 and a half years of age. I have a 2001 Chevrolet Silverado 1500 with an extended cab and 4WD. The only reason I cant really drive it is that its not insured yet. My question is about how much per month would insurance cost for me in this truck in the state of New York? If unsure, is there any specific website that may be able to help me further without entering all my personal information?""

The cost of driving a car includes both fixed costs and mileages costs?

The cost of driving a car includes both fixed costs and mileages costs.? The cost of driving a car includes both fixed costs and mileages costs. Assume that it costs $161.20 per month for insurance and car payments and $0.25 per mile for gasoline, oil, and routine maintenance. (a) Find values for m and b so that y=mx+b models the monthly cost of driving the car x miles. (b) What does the value of b represent? (a) m=___(Type an integer or a decimal) b=____(Type an integar or a decimal) (b) Choose the correct answer below. A. The rate of change in cost of the car with each mile. B. The optimal cost of owning the car for one month. C. The fixed cost of owning the car for one month without driving it. D. The total cost of owning the car for one month.""

Car insurance question..wasn't my fault.?

i got into a car accident 4weeks ago. the person begged me not to call her insurance company n said she'd pay for everything. after i got my estimate then she decided not to pay b/c its about 4000. it took her 2weeks to decide. i already talked to both of my insurance company n her insurance company. it wasn't my fault, and i have a witness. i don't want to use my insurance b/c i have to pay 1000 deductible and i'm not sure if i can get it back, and why should i if it was that person's fault. her insurance company said i should just use my insurance, and my insurance company said it'd be easier to use her insurance. what should i do? should i just wait? b/c i really don't want to pay a 1000 dollars.""

Health Insurance for stay-at-home Mom & Baby?

I need to find affordable, but good, health insurance for my baby and myself. If my son and I go on my husbands insurance, I'd need a job just to pay for it because it's so expensive! I'm currently working but will be quitting a few months after our son is born. We've decided it would be best if I stayed home to raise our son. So, we need to find health insurance that wouldn't be sky high. Any suggestions? And thanks so much!!""

Do you need to stay with a certain car insurance for a period of time?

I need to get new car insurance but i'm short on money. Can I have one car insurance for a month or two and then switch to a new one?

Cheapest insurance for 17 year old?

i want a convertible but the insurance is way too high! whats the cheapest insurance for a 17 year old please answer

Where can I find out insurance rates for US postal services with letters to the UK?

Each envelope would contain an item worth around the $30 mark, but as they would be going international I want them to be insured. I can find UPS rates, but not USPS rates for insurance.""

What should I do? I got a letter from car insurance company saying they want full reimbursement!?

Okay, about 6 months ago I was involved in a car accident that resulted in both of our cars being totaled. I had to be sent to the hospital and the other person didn't but it was determined it was my fault and I had NO insurance at the time. My parents had insurance on the car but the insurance didn't want to pay for it. The other person had full coverage but now they sent me a letter asking for full reimbursement or else they will file a lawsuit against me! I don't know what to do! I have no money, I'm just a 19 yr old kid that goes to community college with a part time job! What should I do??""

How much is insurance on a 125cc?

WhAts a average insurance price for a geared 125

How much would insurance be on a rebuilt car?

I am planning on purchasing a car with front and right side damage. The car will run and drive. The repairs are pretty minor. It will need a front bumper, grille, hood, headlight and front right fender. No engine damage. Will the insurance be higher or lower because it was salvaged? And, how much of a difference will it be?""

Auto Insurance question?

First of all, I was involved in an accident. I was hit from the rear and then I slammed into the car in front of me. Im not that smart when it comes to my policy, and I would like to change that. Im not exactly sure where Im covered in this area. Like I said, Im not auto insurance savvy, so if possible, keep explanation of coverage and the location of coverage in general terms. These are based on an average coverage. I need to find the following: The cost of a medical checkup for my passenger The front and rear damage to my car The damage to the car in front of me The damage to the car behind me The total amount of liability protection for bodily harm and property damage Any help would be greatly appreciated.""

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

""I dont have insurance or a source of income, help?""

I am eighteen years old and currently have no insurance and I am looking for a job but so far nothing. I have chronic migraine disorder and ptsd, I was on medication for both but after I turned eighteen I lost all insurance I had with my mother. i don't go to school nor can i afford to and i dont know what to do. Help?""

What are some good California medical insurance options?

What is the best web-site to get insurance leads from?

mostly health leads, but some life leads""

Will my auto insurance cover liability if my friend is driving a car I rent?

During a vacation, my friend will drive the rental car I pay for. If we have an accident, will my liability/medical coverage pay off if she's driving? The friend has no car & no insurance and doesn't live in my house.""

How can I afford a car and insurance?

I am going into my second year of college and would like a car. I don't have a job. I have applied many places, but no luck. I don't have time during the year to work since I am a full time student, so I thought this summer I could save money if I had a job. My parents can not afford to buy me a car and provide insurance. I just want that independence.""

What is the best and cheapest homeowner's insurance in canton georgia?

Annual Mortgage Insurance Premiums?

Pretty sure I know the answer to my question, but I want to run it by the pros . Doing my taxes and I'm to Form 1098. The form asks what my Annual Mortgage Insurance Premiums are. This is the additional $40 mortgage or loan insurance I pay each month, correct? The IRS is not asking for information about my Nationwide Home Owners Insurance Policy (aka: Hazard Insurance). Thanks.""

If my wife buys a car will my current insurance increase?

My wife is going to buy a car to learn in and use to get used to driving after passing her test. I am insured on my car and she is a named driver. If she gets a car and is insured as the main driver in it when I tell my insurance about her car how will my insurance be affected? Her insurance will probably be with a different company.

Does anyone know car insurance rates?

I wanted to know whats the average rate of car insurance for an 18 year old female..?

Is california an affordable and nice place to live?

I live in ohio and I want to move to california to go to cal state in concord. I just need a little information from someone who lives there. Like is food and clothes expensive and is it expensive to buy furniture. I have already got the cost of a house and found some cheap ones. I just need to know how much money I will need. So can anyone help?

cheap one day car insurance for 19 year old

https://www.linkedin.com/pulse/axa-home-insurance-quote-contact-number-claire-estrada/"

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themoneybuff-blog · 6 years

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An index to every money book I've reviewed during the past twelve years

147 Shares I read a lot of money books. As a result, a large section of my large library is devoted to books about personal finance. (And if I hadn't purged hundreds of money books when I sold this site in 2009, I'd have even more books and no place to put them.) Last week, a GRS reader named Lindsay dropped a line with an interesting question: I'm really enjoying your work back at GRS, the email newsletter, and your most recent FB live video! I'm wondering: Do you have a list of all the money books you've reviewed? I've been poking around to try and find one)? As it happens, I've been wanting a list of reviews myself. I know I have a million billion different projects around here, but one that I'd like to pursue is a free nicely-formatted PDF download that compiles every review I've written. To answer Lindsay's question and to satisfy my own curiosity I sifted through the GRS archives yesterday to compile a list of every money book I've reviewed during my 12+ years at this site. In this post, I've linked to those reviews, plus I've included a short summary of each book. Note: I'm certain that about half of the reviews are missing from the archives. The folks who purchased this site from me unpublished hundreds of articles (including many book reviews, apparently) during the time they owned GRS. Those reviews still exist, and I'll eventually find them and list them here, but it's far too cumbersome to find them at the moment.

For each book below, I've included a link to Amazon. I've also assigned each a book a letter grade and, in some cases, a star . My letter grades might seem harsh. That's because I've tried to really think about these on a sort of curve, where the vast majority of books are average and only a few merit As or Fs. As a result, some important titles get average (or low) grades despite their contribution to the field. If I grade a book an A, I think it's excellent. It offers excellent advice with no real flaws.If I give a book a B, it's a good book with good advice, but something about it holds it back. Maybe it's poorly written or maybe it's off-base on a topic or two.If I give a grade of C, the book is average. That means it gives reasonable money advice in a typical way. There's nothing drastically wrong with the book, and it's worth reading.If I give a D grade, the book is flawed in some major way. It still has some value to it maybe a core concept that you can't find elsewhere but I'm hesitant to recommend this to average folks.If I give a book and F, I don't think it has any sort of value. I don't give many Fs because I think nearly every book has some nugget of wisdom in it. Note that all of my letter grades were assigned today. They're based on who I am and what I know now, not when I wrote the reviews. And they're based on how valuable the book's info will be to a modern reader. (Some money books that were awesome in 1978 haven't aged well because their advice is specific to that era.) When I've marked a book with a star , that indicates I believe regardless of my grade, the title should be considered part of a core personal-finance library. (I don't have a review of Dave Ramsey's Total Money Makeover here. If I did, it'd get a C or lower because the book's quality is mixed and it has certain drawbacks. But the book would also merit a star because it should be in any serious library of money books.) Ultimately, though, you shouldn't let the letter grades and stars guide your decision to read a book. Use my reviews instead. They're much more nuanced than an arbitrary grade. The grades are meant as a sort of quick reference. Finally, I've sorted the titles into roughly reverse-chronological order based on year of publication. I think most readers are interested in recent titles. (Because of my hiatus from money-blogging, there's a gap here between 2010 and 2016.) If, like me, you prefer older money books, you'll find them closer to the end of this list. That's enough explanation. Here then is a list of (nearly) all of the book reviews from the archives here at Get Rich Slowly!

Get Money by Kristin Wong (2018)Get Money is all about applying game-playing principles to money management. Most money books tend toward boring and stale. Not this one. Get Money is both funny and wise, packed with practical tips for how to play the game of money and win. It's a useful money manual from a favorite former GRS staff writer. [my review] BThinking in Bets: Making Smarter Decisions When You Don't Have All the Facts by Annie Duke (2018)For a long time, Ive argued that the best money books are often not about money at all. Thinking in Bets is an example of this. Duke says that there are exactly two things that determine how our lives turn out: The quality of our decisions and luck. She uses plenty of personal finance examples, but the book itself is about self-improvement. Its not specifically about personal finance, yet the info here could have a profound impact on your financial future. [my review] A-Meet the Frugalwoods: Achieving Financial Independence through Simple Living by Elizabeth Willard Thames (2018)Meet the Frugalwoods isnt a money manual. It isnt fiction. Its memoir. The book covers ten years in the lives of Liz and her husband Nate, from their post-college job-hunting experiences in Kansas to purchasing a 66-acre homestead in Vermont. Through their story, Liz shows readers its possible to move from a life of consumerism to a life built around frugality and purpose. My chief complaint? The Frugalwoods didn't achieve financial independence through frugality; they achieved it through a high income. [my review] CYou Need a Budget by Jesse Mecham (2017)You Need a Budget is a simple book, but its excellent. It doesnt try to throw the entire world of personal finance at you. Its laser-focused on one thing: building a better budget. Because Mecham has been reading and writing about budgets since 2004, hes learned a lot about what works and what doesnt. Hes constantly receiving feedback from the tens of thousands of people who follow his program. This book is a culmination of that experience, and it shows. If you need a budget, I highly recommend this book. [my review] A The Simple Path to Wealth by J.L. Collins (2016)The Simple Path to Wealth presents the advice from the author's blog in a coherent, unified package. Its an easy-to-understand primer on stock-market investing and financial independence. Although the book is intended to offer wide-ranging advice about the journey to financial freedom, I think its at its best when Collins covers retirement investing. [my review] B+ Early Retirement Extreme by Jacob Lund Fisker (2010)Imagine a personal-finance book written by a theoretical physicist. What would it be like? Full of formulas and figures, right? Well, thats what you get with Early Retirement Extreme. This feels like a book written by an engineer for other engineers. This isnt a bad thing, but it is unique. Some people will love it; others will hate it. Also, this book could use a professional editor. These caveats aside, ERE is packed with excellent information, and is one of the key books in the Financial Independence movement. [my review] B The Simple Dollar by Trent Hamm (2010)This book isnt really about personal finance. Theres personal finance in it, sure, but like Hamms blog, The Simple Dollar is about personal and professional transformation. This is a book about change. The information in the book is good, and its sure to be useful to many people, but the content is so jumbled that its difficult to see the Big Picture. [my review] C-Mind Over Money by Ted and Brad Klontz (2009)Mind Over Money wont teach you how to budget and it doesnt ever mention index funds. This isnt a book about the nuts-and-bolts of personal finance. Its a book about how we relate to money. The strength of the book isnt in the answers it provides, but in the questions it provokes. If you're looking for a book about the psychology of personal finance, this is worth reading. [my review] CEscape from Cubicle Nation by Pam Slim (2009)Escape from Cubicle Nation starts at the beginning of the entrepreneurial journey: deciding what to do with your life. Slim spends several chapters discussing how to get in touch with whats important to you. At times, this almost seems touchy-feely. Almost. Thankfully, the book packs in ton of practical info on how to start a successful small business that matches you and your lifestyle. [my review] B+The Happiness Project by Gretchen Rubin (2009)On paper, The Happiness Project may seem sort of lame. Rubin decided to spend one year consciously pursuing happiness. Each month, she tackled one specific aspect of life marriage, work, attitude, and so on and during that month, she attempted to meet a handful of related resolutions she hoped would make her happier. Fortunately, the book isnt lame. Rubins style is warm and engaging, and the material here is useful. [my review] BI Will Teach You to Be Rich by Ramit Sethi (2009)This book is great, but its not for everyone. First of all, its targeted almost exclusively at young adults. If youre under 25 and single, and if you make a decent living, this book is perfect. But if youre 45 and married with two children, and if you struggle to make ends meet, this book is less useful. That said, it's packed with solid advice, cites its sources, and provides scores of tactical tips for managing money. [my review] A- Spend Til the End by Scott Burns and Larry Kotlikoff (2008)Burns and Kotlikoff analyze dozens of hypothetical scenarios as they seek to discover which choices provide the greatest lifetime living standard per adult. Their aim is to find a way to balance today and tomorrow, to pursue what's known as consumption smoothing. Much of the books advice is geared toward those nearing retirement, but theres still plenty for readers of every age. [my review] C+Increase Your Financial IQ by Robert Kiyosaki (2008)The problem with the standard financial advice is that its bad advice. Youve been told to work hard, save money, get out of debt, live below your means, and invest in a well-diversified portfolio of mutual funds. But this advice is obsolete so argues Robert Kiyosaki in Increase Your Financial IQ. I'll be blunt: Kiyosaki is full of shit. I worry about his financial IQ. [my review] D-

The 4-Hour Workweek by Timothy Ferriss (2007)When I picked up The 4-Hour Workweek, I was worried it was some sort of get rich quick book. Ferriss makes a lot of bold promises, and some of the details along the way read like the confessions of an internet scammer. Ultimately, though, I found tons of value that I could apply to my own entrepreneurial ventures. In fact, this has become one of my most-bookmarked books of all time! An intelligent reader can easily extract a wealth of useful here, which is why it's become a modern classic. [my review] B- The Quiet Millionaire by Brett Wilder (2007)The Quiet Millionaire is different from most of the other money books I review. Though Wilder includes behavioral finance and life planning concepts, this is a numbers book. It's like a textbook for personal finance. It isnt really a book for beginners. Its targeted at folks who are out of debt and building wealth. I suspect many people will find this book boring. But then, smart personal finance is boring. [my review] BDebt Is Slavery by Michael Mihalik (2007)Debt is Slavery is a deceptively simple book. Its short. Its advice seems basic. And its self-published, so how good can it be? Well, I think its great. In fact, I found myself wishing that I had written it. Mihaliks advice is spot-on, and he covers a lot of topics that other authors shy away from, such as the effects of advertising, the weight of possessions, and the soul-sucking misery that comes from a bad job. This book may be short, but its sweet. Especially great for recent graduates, I think. [my review] B+Overcoming Underearning by Barbara Stanny (2007)Overcoming Underearning isn't what I expected it to be. When I read the title, I expected a book about how to stretch your dollars and how get more from what you do earn. This book is about asking for more, creating more, and working your way through the psychological pitfalls that lead to being satisfied with less in the first place. But the book contains few actionable steps that will help you make more money or invest well. If you need a how-to book, keep looking. If you need to get started, or are started, but have hit a wall and you dont know why, this might be the book for you. [my review] C-The Secret by Rhonda Byrne (2006)The Secret is all about the so-called Law of Attraction, which is not actually a law of anything. The Law of Attraction states that your life is a result of the things you think about. From a psychological perspective, this notion has some merit. But this book offers no evidence of any kind: no scientific discussion, no experimentation only scattered cherry-picked anecdotes. Its the worst kind of pseudo-scientific baloney. And its money advice is actively harmful rather than helpful. [my review] FThe Millionaire Maker by Loral Langmeier (2006)The Millionaire Maker attempts to codify Langemeiers proprietary Wealth Cycle Process. She believes there are better places to put your money than in mutual funds. This book is a mixed bag. While it preaches what ought to be preached, and Langemeier provides more specifics than some authors, her message sounds hollow. There is some good information here, but theres stuff that raises red flags, too. [my review] D+Work Less, Live More: The Way to Semi-Retirement by Bob Clyatt (2005)For years, Work Less, Live More has been my go-to book for info about early retirement. I give away copies several times a year. I recommend it when replying to email. I refer to it myself when I have questions. I like this book because it strikes a balance between the high-level Big Picture stuff and the low-level nitty-gritty numbers crunching. (See also: Bob Clyatt's guest post here at GRS about his life since writing the book.) [my review] A All Your Worth: The Ultimate Lifetime Money Plan by Elizabeth Warren and Amelia Tyagi (2005)This book was written by the mother-daughter team of Elizabeth Warren and Amelia Warren Tyagi. (Warren is now a U.S. Senator from Massachusetts!) The authors dont get bogged down in the details of frugality and investing. Theyre more interested in changing behavior, in fixing the big stuff. They offer a framework around which the reader can build lasting financial success. The book's advice is solid, if sometimes flawed. To me, its lasting legacy is the introduction of the Balanced Money Formula (which some now call the 50-30-20 budget), a concept I promote extensively in my public speaking gigs. [my review] B- Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth by T. Harv Eker (2005)Many people would dismiss Secrets of the Millionaire Mind as useless. Theres not a lot of concrete information here about how to improve the details of your financial life. (Though the scant advice presented is sound). Instead, this book encourages readers to adopt mental attitudes that facilitate wealth. Its about changing your psychological approach to money, success, and happiness. (This book is the source of my money blueprint concept.) [my review] CMoney Without Matrimony: The Unmarried Couple's Guide to Financial Security by Sheryl Garrett and Debra Neiman (2005)As difficult as marriage and money can be, things are even tougher for unmarried couples, both gay and straight. Its difficult for these folks to get good advice in a society thats geared toward married couples. Money Without Matrimony is a great book with sound suggestions. Its non-judgmental, practical, and packed with advice. If youre in a committed unmarried relationship, I highly recommend you track down a copy. [my review] AThe Automatic Millionaire by David Bach (2005)David Bach is perhaps best known for coining the term the latte factor, a phrase that has almost become a joke in personal finance circles. Thats too bad, really, because Bach has some good ideas. And the latte factor is a marvelous concept, applicable to many people who casually spend their future a few dollars at a time. This book encourages readers to eliminate debt, to live frugally, and to pay themselves first. But the core of his book is unique: rather than develop will power and self-discipline, Bach says, why not bypass the human element altogether? Why not make your path to wealth automatic? [my review] C Luck Is No Accident: Making the Most of Happenstance in Your Life and Career by John D. Krumboltz and Al S. Levin (2004)Luck Is No Accident is a short book. Nothing in it is groundbreaking or revolutionary. Yet its common-sense wisdom is a powerful motivator. Whenever I read it, I cannot help but come away inspired, ready to make more of my situation, and to try new things. If youre the sort of person who wonders why good things only happen to other people, I encourage you to read it. [my review] B+The Random Walk Guide to Investing: Ten Rules for Financial Success by Burton Malkiel (2003)Malkiels advice can be stated in a few short sentences: Eliminate debt. Establish an emergency fund. Begin making regular investments to a diversified portfolio of index funds. Be patient. But the simplicity of his message does not detract from its value. If you want to invest but dont know where to start, pick up a copy of this book. [my review] A-

The Bountiful Container by Rose Marie Nichols McGee and Maggie Stuckey (2002)The Bountiful Container beats most gardening books hands-down in several key areas. It focuses on growing plants that give a beginning gardener the most bang for the buck, plants that are both edible and decorative and can be grown with limited space. It is splendidly organized and easy to read, and has a great index, too. And the level of detail is just right for almost any skill level, and the writing is pleasant to read and easy to understand. [my ex-wife's review] B+The Four Pillars of Investing by William Bernstein (2002)In this book, Bernstein describes how to build a winning investment portfolio. He doesnt focus on the details he tries to explain fundamental concepts so that readers will be able to make smart investment decisions on their own. The Four Pillars of Investing is challenging in places, but it provides an excellent introduction to the theory, history, psychology, and business of investing. If youre able to finish, youll have a better grasp of investing than 99% of your peers. [my review] B Why We Buy: The Science of Shopping by Paco Underhill (2000)In this book, Paco Underhill an environmental psychologist describes what he learned through years of research into consumer behavior and retail marketing. Like it or not, youre manipulated all of the time while youre shopping, and in ways you dont even suspect. But by taking Underhills lessons for marketers and flipping them around, you can make yourself immune to marketers manipulations. (Well, maybe not immune, but less likely to succumb to their ploys, anyhow.) [my review] BWhy Smart People Make Big Money Mistakes (and How to Fix Them) by Gary Belsky and Thomas Gilovich (1999)In this short book, Belsky and Gilovich catalog a menagerie of mental mistakes that cause people to spend more than they should. What might have been a boring topic becomes fascinating thanks to an engaging style and plenty of anecdotes and examples. This book covers a couple dozen psychological barriers to wealth. [my review] B+ The Millionaire Next Door by Thomas Stanley and William Danko (1998)The Millionaire Next Door has earned its place in the canon of personal-finance literature. It's built on years of research, on a body of statistics and case studies. It doesnt make hollow promises. That said, the book is a flawed classic. It offers a fascinating portrait of the wealthy, but it buries this beneath mountains of detritus. The book is poorly organized, repetitive, and dull. (The section on car-buying seems to go on forever.) A patient reader will be rewarded with a glimpse at what it takes to become a millionaire, but I cant help but feel this book could have been something more. Warning: Avoid the audiobook, which suffers even more in the tedious sections. [my review] C+ Yes, You Can Achieve Financial Independence by James Stowers (1992)Yes, You Can Achieve Financial Independence is informative without being dense. Its accessible without being condescending. Its advice is solid. The book is filled with investment advice, but it gives equal time to thrift and savings. Best of all, it asks as many questions as it provides answers. It prompts the reader to think, to evaluate his priorities. Its message is that yes, you can achieve Financial Independence, but you cant get there overnight, and you cant get there without setting goals and making sacrifices. [my review] A-How to Retire Young by Edward M. Tauber (1989)How to Retire Young is one of the oldest books Ive found on the subject of early retirement. Taubers premise is that many people can retire early if they plan and remain dedicated to the plan. I wish I could say that this is a great book. Sadly, its not. Its good (dont get me wrong), but it suffers from being first. [my review] C-Cashing In on the American Dream: How to Retire at 35 by Paul Terhorst (1988)Cashing In on the American Dream is a seminal early retirement book and its advice was spot-on for 1988. But that strength is now its weakness. Some of the advice is thirty years out of date. If you dont need specific advice but are instead interested about theory (and story), then seek out this title. (The last half of the book is filled with stories from folks who made early retirement happen.) [my review] BHow to Get Out of Debt, Stay Out of Debt, and Live Prosperously by Jerrold Mundis (1988)How to Get Out of Debt is built on the principles of Debtors Anonymous, a twelve-step program founded in 1971 to help those who struggle with compulsive debt. Mundis was himself a debtor, and he based this book on his own experience. This isnt purely theoretical information from the mind of some Wall Street finance whiz who has never struggled; this book contains real tips and real stories from real people. [my review] A- You Can Negotiate Anything by Herb Cohen (1980)Whether you like it or not, your life is filled with negotiations. You negotiate your salary, for the price of a car, for the cost of a couch. You negotiate with your wife about where to spend your summer vacation, with your husband about what color to paint the babys bedroom, with your daughter about what time she should be home from the football game. Of all the books Ive recommended at Get Rich Slowly over the years, You Can Negotiate Anything is one of the best. [my review] A How to Get Rich and Stay Rich by Fred J. Young (1979)This book is built around a single principle: Spend less than you earn and invest the difference in something that you think will increase in value and make you rich. It reads like homespun advice from your favorite uncle. While theres plenty of good advice in these pages and lots of amusing anecdotes, theres very little polish. [my review] CThe Incredible Secret Money Machine by Don Lancaster (1978)Though the title smacks of get-rich-quick schemes, The Incredible Secret Money Machine is really about starting and running a small business. To Lancaster, a money machine is any venture that generates nickels. Nickels are small streams of revenue from individual customers. If your goal is simply to earn a comfortable income for yourself by doing something you love, then this book can help you explore the idea of business ownership. Its not going to help you launch the next Google or Microsoft, though. Lancaster is all about nickels, not about dollars. [my review] C+Hard Times: An Oral History of the Great Depression by Studs Terkel (1970)In 1970, writer Studs Terkel published Hard Times: An Oral History of the Great Depression, which features excerpts from over 100 interviews he conducted with those who lived through the 1930s. Terkel spoke with all sorts of people: old and young, rich and poor, famous and not-so-famous, liberal and conservative. The book is fascinating. Its one thing to read about the Great Depression in textbooks, or to hear it used as leverage in political speeches, but its another thing entirely to read the experiences of the people who lived through it. [my review] A-

That's it! If you find any reviews I missed, let me know so that I can add them to this index. I consider this a living article. I plan to add to it with time. As I re-publish old reviews that are currently unpublished, I'll add them here. And as I write new reviews in the future, those will get added to the list too. Know of a money book that I should read and review? Drop a line to let me know! 147 Shares https://www.getrichslowly.org/money-books-index/

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themoneybuff-blog · 6 years

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An index to every money book I've reviewed during the past twelve years

Shares 139 I read a lot of money books. As a result, a large section of my large library is devoted to books about personal finance. (And if I hadn't purged hundreds of money books when I sold this site in 2009, I'd have even more books and no place to put them.) Last week, a GRS reader named Lindsay dropped a line with an interesting question: I'm really enjoying your work back at GRS, the email newsletter, and your most recent FB live video! I'm wondering: Do you have a list of all the money books you've reviewed? I've been poking around to try and find one)? As it happens, I've been wanting a list of reviews myself. I know I have a million billion different projects around here, but one that I'd like to pursue is a free nicely-formatted PDF download that compiles every review I've written. To answer Lindsay's question and to satisfy my own curiosity I sifted through the GRS archives yesterday to compile a list of every money book I've reviewed during my 12+ years at this site. In this post, I've linked to those reviews, plus I've included a short summary of each book. Note: I'm certain that about half of the reviews are missing from the archives. The folks who purchased this site from me unpublished hundreds of articles (including many book reviews, apparently) during the time they owned GRS. Those reviews still exist, and I'll eventually find them and list them here, but it's far too cumbersome to find them at the moment. For each book below, I've included a link to Amazon. I've also assigned each a book a letter grade and, in some cases, a star . My letter grades might seem harsh. That's because I've tried to really think about these on a sort of curve, where the vast majority of books are average and only a few merit As or Fs. As a result, some important titles get average (or low) grades despite their contribution to the field. If I grade a book an A, I think it's excellent. It offers excellent advice with no real flaws.If I give a book a B, it's a good book with good advice, but something about it holds it back. Maybe it's poorly written or maybe it's off-base on a topic or two.If I give a grade of C, the book is average. That means it gives reasonable money advice in a typical way. There's nothing drastically wrong with the book, and it's worth reading.If I give a D grade, the book is flawed in some major way. It still has some value to it maybe a core concept that you can't find elsewhere but I'm hesitant to recommend this to average folks.If I give a book and F, I don't think it has any sort of value. I don't give many Fs because I think nearly every book has some nugget of wisdom in it. Note that all of my letter grades were assigned today. They're based on who I am and what I know now, not when I wrote the reviews. And they're based on how valuable the book's info will be to a modern reader. (Some money books that were awesome in 1978 haven't aged well because their advice is specific to that era.) When I've marked a book with a star , that indicates I believe regardless of my grade, the title should be considered part of a core personal-finance library. (I don't have a review of Dave Ramsey's Total Money Makeover here. If I did, it'd get a C or lower because the book's quality is mixed and it has certain drawbacks. But the book would also merit a star because it should be in any serious library of money books.) Ultimately, though, you shouldn't let the letter grades and stars guide your decision to read a book. Use my reviews instead. They're much more nuanced than an arbitrary grade. The grades are meant as a sort of quick reference. Finally, I've sorted the titles into roughly reverse-chronological order based on year of publication. I think most readers are interested in recent titles. (Because of my hiatus from money-blogging, there's a gap here between 2010 and 2016.) If, like me, you prefer older money books, you'll find them closer to the end of this list. That's enough explanation. Here then is a list of (nearly) all of the book reviews from the archives here at Get Rich Slowly! Get Money by Kristin Wong (2018)Get Money is all about applying game-playing principles to money management. Most money books tend toward boring and stale. Not this one. Get Money is both funny and wise, packed with practical tips for how to play the game of money and win. It's a useful money manual from a favorite former GRS staff writer. [my review] BThinking in Bets: Making Smarter Decisions When You Don't Have All the Facts by Annie Duke (2018)For a long time, Ive argued that the best money books are often not about money at all. Thinking in Bets is an example of this. Duke says that there are exactly two things that determine how our lives turn out: The quality of our decisions and luck. She uses plenty of personal finance examples, but the book itself is about self-improvement. Its not specifically about personal finance, yet the info here could have a profound impact on your financial future. [my review] A-Meet the Frugalwoods: Achieving Financial Independence through Simple Living by Elizabeth Willard Thames (2018)Meet the Frugalwoods isnt a money manual. It isnt fiction. Its memoir. The book covers ten years in the lives of Liz and her husband Nate, from their post-college job-hunting experiences in Kansas to purchasing a 66-acre homestead in Vermont. Through their story, Liz shows readers its possible to move from a life of consumerism to a life built around frugality and purpose. My chief complaint? The Frugalwoods didn't achieve financial independence through frugality; they achieved it through a high income. [my review] CYou Need a Budget by Jesse Mecham (2017)You Need a Budget is a simple book, but its excellent. It doesnt try to throw the entire world of personal finance at you. Its laser-focused on one thing: building a better budget. Because Mecham has been reading and writing about budgets since 2004, hes learned a lot about what works and what doesnt. Hes constantly receiving feedback from the tens of thousands of people who follow his program. This book is a culmination of that experience, and it shows. If you need a budget, I highly recommend this book. [my review] A The Simple Path to Wealth by J.L. Collins (2016)The Simple Path to Wealth presents the advice from the author's blog in a coherent, unified package. Its an easy-to-understand primer on stock-market investing and financial independence. Although the book is intended to offer wide-ranging advice about the journey to financial freedom, I think its at its best when Collins covers retirement investing. [my review] B+ Early Retirement Extreme by Jacob Lund Fisker (2010)Imagine a personal-finance book written by a theoretical physicist. What would it be like? Full of formulas and figures, right? Well, thats what you get with Early Retirement Extreme. This feels like a book written by an engineer for other engineers. This isnt a bad thing, but it is unique. Some people will love it; others will hate it. Also, this book could use a professional editor. These caveats aside, ERE is packed with excellent information, and is one of the key books in the Financial Independence movement. [my review] B The Simple Dollar by Trent Hamm (2010)This book isnt really about personal finance. Theres personal finance in it, sure, but like Hamms blog, The Simple Dollar is about personal and professional transformation. This is a book about change. The information in the book is good, and its sure to be useful to many people, but the content is so jumbled that its difficult to see the Big Picture. [my review] C-Mind Over Money by Ted and Brad Klontz (2009)Mind Over Money wont teach you how to budget and it doesnt ever mention index funds. This isnt a book about the nuts-and-bolts of personal finance. Its a book about how we relate to money. The strength of the book isnt in the answers it provides, but in the questions it provokes. If you're looking for a book about the psychology of personal finance, this is worth reading. [my review] CEscape from Cubicle Nation by Pam Slim (2009)Escape from Cubicle Nation starts at the beginning of the entrepreneurial journey: deciding what to do with your life. Slim spends several chapters discussing how to get in touch with whats important to you. At times, this almost seems touchy-feely. Almost. Thankfully, the book packs in ton of practical info on how to start a successful small business that matches you and your lifestyle. [my review] B+The Happiness Project by Gretchen Rubin (2009)On paper, The Happiness Project may seem sort of lame. Rubin decided to spend one year consciously pursuing happiness. Each month, she tackled one specific aspect of life marriage, work, attitude, and so on and during that month, she attempted to meet a handful of related resolutions she hoped would make her happier. Fortunately, the book isnt lame. Rubins style is warm and engaging, and the material here is useful. [my review] BI Will Teach You to Be Rich by Ramit Sethi (2009)This book is great, but its not for everyone. First of all, its targeted almost exclusively at young adults. If youre under 25 and single, and if you make a decent living, this book is perfect. But if youre 45 and married with two children, and if you struggle to make ends meet, this book is less useful. That said, it's packed with solid advice, cites its sources, and provides scores of tactical tips for managing money. [my review] A- Spend Til the End by Scott Burns and Larry Kotlikoff (2008)Burns and Kotlikoff analyze dozens of hypothetical scenarios as they seek to discover which choices provide the greatest lifetime living standard per adult. Their aim is to find a way to balance today and tomorrow, to pursue what's known as consumption smoothing. Much of the books advice is geared toward those nearing retirement, but theres still plenty for readers of every age. [my review] C+Increase Your Financial IQ by Robert Kiyosaki (2008)The problem with the standard financial advice is that its bad advice. Youve been told to work hard, save money, get out of debt, live below your means, and invest in a well-diversified portfolio of mutual funds. But this advice is obsolete so argues Robert Kiyosaki in Increase Your Financial IQ. I'll be blunt: Kiyosaki is full of shit. I worry about his financial IQ. [my review] D- The 4-Hour Workweek by Timothy Ferriss (2007)When I picked up The 4-Hour Workweek, I was worried it was some sort of get rich quick book. Ferriss makes a lot of bold promises, and some of the details along the way read like the confessions of an internet scammer. Ultimately, though, I found tons of value that I could apply to my own entrepreneurial ventures. In fact, this has become one of my most-bookmarked books of all time! An intelligent reader can easily extract a wealth of useful here, which is why it's become a modern classic. [my review] B- The Quiet Millionaire by Brett Wilder (2007)The Quiet Millionaire is different from most of the other money books I review. Though Wilder includes behavioral finance and life planning concepts, this is a numbers book. It's like a textbook for personal finance. It isnt really a book for beginners. Its targeted at folks who are out of debt and building wealth. I suspect many people will find this book boring. But then, smart personal finance is boring. [my review] BDebt Is Slavery by Michael Mihalik (2007)Debt is Slavery is a deceptively simple book. Its short. Its advice seems basic. And its self-published, so how good can it be? Well, I think its great. In fact, I found myself wishing that I had written it. Mihaliks advice is spot-on, and he covers a lot of topics that other authors shy away from, such as the effects of advertising, the weight of possessions, and the soul-sucking misery that comes from a bad job. This book may be short, but its sweet. Especially great for recent graduates, I think. [my review] B+Overcoming Underearning by Barbara Stanny (2007)Overcoming Underearning isn't what I expected it to be. When I read the title, I expected a book about how to stretch your dollars and how get more from what you do earn. This book is about asking for more, creating more, and working your way through the psychological pitfalls that lead to being satisfied with less in the first place. But the book contains few actionable steps that will help you make more money or invest well. If you need a how-to book, keep looking. If you need to get started, or are started, but have hit a wall and you dont know why, this might be the book for you. [my review] C-The Secret by Rhonda Byrne (2006)The Secret is all about the so-called Law of Attraction, which is not actually a law of anything. The Law of Attraction states that your life is a result of the things you think about. From a psychological perspective, this notion has some merit. But this book offers no evidence of any kind: no scientific discussion, no experimentation only scattered cherry-picked anecdotes. Its the worst kind of pseudo-scientific baloney. And its money advice is actively harmful rather than helpful. [my review] FThe Millionaire Maker by Loral Langmeier (2006)The Millionaire Maker attempts to codify Langemeiers proprietary Wealth Cycle Process. She believes there are better places to put your money than in mutual funds. This book is a mixed bag. While it preaches what ought to be preached, and Langemeier provides more specifics than some authors, her message sounds hollow. There is some good information here, but theres stuff that raises red flags, too. [my review] D+Work Less, Live More: The Way to Semi-Retirement by Bob Clyatt (2005)For years, Work Less, Live More has been my go-to book for info about early retirement. I give away copies several times a year. I recommend it when replying to email. I refer to it myself when I have questions. I like this book because it strikes a balance between the high-level Big Picture stuff and the low-level nitty-gritty numbers crunching. (See also: Bob Clyatt's guest post here at GRS about his life since writing the book.) [my review] A All Your Worth: The Ultimate Lifetime Money Plan by Elizabeth Warren and Amelia Tyagi (2005)This book was written by the mother-daughter team of Elizabeth Warren and Amelia Warren Tyagi. (Warren is now a U.S. Senator from Massachusetts!) The authors dont get bogged down in the details of frugality and investing. Theyre more interested in changing behavior, in fixing the big stuff. They offer a framework around which the reader can build lasting financial success. The book's advice is solid, if sometimes flawed. To me, its lasting legacy is the introduction of the Balanced Money Formula (which some now call the 50-30-20 budget), a concept I promote extensively in my public speaking gigs. [my review] B- Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth by T. Harv Eker (2005)Many people would dismiss Secrets of the Millionaire Mind as useless. Theres not a lot of concrete information here about how to improve the details of your financial life. (Though the scant advice presented is sound). Instead, this book encourages readers to adopt mental attitudes that facilitate wealth. Its about changing your psychological approach to money, success, and happiness. (This book is the source of my money blueprint concept.) [my review] CMoney Without Matrimony: The Unmarried Couple's Guide to Financial Security by Sheryl Garrett and Debra Neiman (2005)As difficult as marriage and money can be, things are even tougher for unmarried couples, both gay and straight. Its difficult for these folks to get good advice in a society thats geared toward married couples. Money Without Matrimony is a great book with sound suggestions. Its non-judgmental, practical, and packed with advice. If youre in a committed unmarried relationship, I highly recommend you track down a copy. [my review] AThe Automatic Millionaire by David Bach (2005)David Bach is perhaps best known for coining the term the latte factor, a phrase that has almost become a joke in personal finance circles. Thats too bad, really, because Bach has some good ideas. And the latte factor is a marvelous concept, applicable to many people who casually spend their future a few dollars at a time. This book encourages readers to eliminate debt, to live frugally, and to pay themselves first. But the core of his book is unique: rather than develop will power and self-discipline, Bach says, why not bypass the human element altogether? Why not make your path to wealth automatic? [my review] C Luck Is No Accident: Making the Most of Happenstance in Your Life and Career by John D. Krumboltz and Al S. Levin (2004)Luck Is No Accident is a short book. Nothing in it is groundbreaking or revolutionary. Yet its common-sense wisdom is a powerful motivator. Whenever I read it, I cannot help but come away inspired, ready to make more of my situation, and to try new things. If youre the sort of person who wonders why good things only happen to other people, I encourage you to read it. [my review] B+The Random Walk Guide to Investing: Ten Rules for Financial Success by Burton Malkiel (2003)Malkiels advice can be stated in a few short sentences: Eliminate debt. Establish an emergency fund. Begin making regular investments to a diversified portfolio of index funds. Be patient. But the simplicity of his message does not detract from its value. If you want to invest but dont know where to start, pick up a copy of this book. [my review] A- The Bountiful Container by Rose Marie Nichols McGee and Maggie Stuckey (2002)The Bountiful Container beats most gardening books hands-down in several key areas. It focuses on growing plants that give a beginning gardener the most bang for the buck, plants that are both edible and decorative and can be grown with limited space. It is splendidly organized and easy to read, and has a great index, too. And the level of detail is just right for almost any skill level, and the writing is pleasant to read and easy to understand. [my ex-wife's review] B+The Four Pillars of Investing by William Bernstein (2002)In this book, Bernstein describes how to build a winning investment portfolio. He doesnt focus on the details he tries to explain fundamental concepts so that readers will be able to make smart investment decisions on their own. The Four Pillars of Investing is challenging in places, but it provides an excellent introduction to the theory, history, psychology, and business of investing. If youre able to finish, youll have a better grasp of investing than 99% of your peers. [my review] B Why We Buy: The Science of Shopping by Paco Underhill (2000)In this book, Paco Underhill an environmental psychologist describes what he learned through years of research into consumer behavior and retail marketing. Like it or not, youre manipulated all of the time while youre shopping, and in ways you dont even suspect. But by taking Underhills lessons for marketers and flipping them around, you can make yourself immune to marketers manipulations. (Well, maybe not immune, but less likely to succumb to their ploys, anyhow.) [my review] BWhy Smart People Make Big Money Mistakes (and How to Fix Them) by Gary Belsky and Thomas Gilovich (1999)In this short book, Belsky and Gilovich catalog a menagerie of mental mistakes that cause people to spend more than they should. What might have been a boring topic becomes fascinating thanks to an engaging style and plenty of anecdotes and examples. This book covers a couple dozen psychological barriers to wealth. [my review] B+ The Millionaire Next Door by Thomas Stanley and William Danko (1998)The Millionaire Next Door has earned its place in the canon of personal-finance literature. It's built on years of research, on a body of statistics and case studies. It doesnt make hollow promises. That said, the book is a flawed classic. It offers a fascinating portrait of the wealthy, but it buries this beneath mountains of detritus. The book is poorly organized, repetitive, and dull. (The section on car-buying seems to go on forever.) A patient reader will be rewarded with a glimpse at what it takes to become a millionaire, but I cant help but feel this book could have been something more. Warning: Avoid the audiobook, which suffers even more in the tedious sections. [my review] C+ Yes, You Can Achieve Financial Independence by James Stowers (1992)Yes, You Can Achieve Financial Independence is informative without being dense. Its accessible without being condescending. Its advice is solid. The book is filled with investment advice, but it gives equal time to thrift and savings. Best of all, it asks as many questions as it provides answers. It prompts the reader to think, to evaluate his priorities. Its message is that yes, you can achieve Financial Independence, but you cant get there overnight, and you cant get there without setting goals and making sacrifices. [my review] A-How to Retire Young by Edward M. Tauber (1989)How to Retire Young is one of the oldest books Ive found on the subject of early retirement. Taubers premise is that many people can retire early if they plan and remain dedicated to the plan. I wish I could say that this is a great book. Sadly, its not. Its good (dont get me wrong), but it suffers from being first. [my review] C-Cashing In on the American Dream: How to Retire at 35 by Paul Terhorst (1988)Cashing In on the American Dream is a seminal early retirement book and its advice was spot-on for 1988. But that strength is now its weakness. Some of the advice is thirty years out of date. If you dont need specific advice but are instead interested about theory (and story), then seek out this title. (The last half of the book is filled with stories from folks who made early retirement happen.) [my review] BHow to Get Out of Debt, Stay Out of Debt, and Live Prosperously by Jerrold Mundis (1988)How to Get Out of Debt is built on the principles of Debtors Anonymous, a twelve-step program founded in 1971 to help those who struggle with compulsive debt. Mundis was himself a debtor, and he based this book on his own experience. This isnt purely theoretical information from the mind of some Wall Street finance whiz who has never struggled; this book contains real tips and real stories from real people. [my review] A- You Can Negotiate Anything by Herb Cohen (1980)Whether you like it or not, your life is filled with negotiations. You negotiate your salary, for the price of a car, for the cost of a couch. You negotiate with your wife about where to spend your summer vacation, with your husband about what color to paint the babys bedroom, with your daughter about what time she should be home from the football game. Of all the books Ive recommended at Get Rich Slowly over the years, You Can Negotiate Anything is one of the best. [my review] A How to Get Rich and Stay Rich by Fred J. Young (1979)This book is built around a single principle: Spend less than you earn and invest the difference in something that you think will increase in value and make you rich. It reads like homespun advice from your favorite uncle. While theres plenty of good advice in these pages and lots of amusing anecdotes, theres very little polish. [my review] CThe Incredible Secret Money Machine by Don Lancaster (1978)Though the title smacks of get-rich-quick schemes, The Incredible Secret Money Machine is really about starting and running a small business. To Lancaster, a money machine is any venture that generates nickels. Nickels are small streams of revenue from individual customers. If your goal is simply to earn a comfortable income for yourself by doing something you love, then this book can help you explore the idea of business ownership. Its not going to help you launch the next Google or Microsoft, though. Lancaster is all about nickels, not about dollars. [my review] C+Hard Times: An Oral History of the Great Depression by Studs Terkel (1970)In 1970, writer Studs Terkel published Hard Times: An Oral History of the Great Depression, which features excerpts from over 100 interviews he conducted with those who lived through the 1930s. Terkel spoke with all sorts of people: old and young, rich and poor, famous and not-so-famous, liberal and conservative. The book is fascinating. Its one thing to read about the Great Depression in textbooks, or to hear it used as leverage in political speeches, but its another thing entirely to read the experiences of the people who lived through it. [my review] A- That's it! If you find any reviews I missed, let me know so that I can add them to this index. I consider this a living article. I plan to add to it with time. As I re-publish old reviews that are currently unpublished, I'll add them here. And as I write new reviews in the future, those will get added to the list too. Know of a money book that I should read and review? Drop a line to let me know! Shares 139 https://www.getrichslowly.org/money-books-index/

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