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gffa: Way of the Apprentice | by Jude WatsonI GIVE ANAKIN A LOT OF SHIT, BUT I REALLY LIKE THIS MOMENT A LOT.  I love that he feels a restlessness that the other Jedi don’t, because they grew up in a safe, secure, supportive environment, and Obi-Wan gets that Anakin isn’t quite the same and needs to run around a bit more.  It’s just FEELINGS ALL OVER THE PLACE FOR BOTH OF THEM.And I love that it shows the balance Obi-Wan is striking with Anakin–”either you obey a rule or you do not” is cutting through to the spirit of things, but that’s not necessarily a judgement thing.  Obi-Wan himself is “breaking the rules” by turning a blind eye to Anakin going out at night, because it’s for the good.  It fits so much with how it’s not about the letter of the law but about the spirit and intention of what you’re doing, the motivation behind it, the why of it, the bigger context of it.  That’s why it’s important to put in that Obi-Wan could sense the shift of an emotion in the blink of an eye, why it’s tied into the same context of Obi-Wan turning a blind eye when Anakin genuinely does need to get out and move.And I love that Anakin recognizes this part about himself.  He spends so much of his life not really understanding himself or what he really needs, that this moment of something that actually seems to help, along with how heartbreaking it is that he has to experience this feeling at all, just makes me allp.s. “Obi-Wan was amazingly perceptive.  He could sense the shift in emotion or thought faster than an eyeblink.” oh my god Anakin sounds EXACTLY LIKE ME when I talk about Obi-Wan, “He’s the greatest person who ever lived, he’s the smartest person who ever lived, THERE IS NO ONE BETTER.”SAME, ANAKIN.  SAME.  RIGHT DOWN TO I AM MAKING THE SAME EXACT FACE WHILE READING THIS BOOK.: Technically, he wasn't supposed to be outside the Temple at all, not without Obi-Wan's permission "Technically" is just another way of saying you are breaking the rules, Obi-Wan would say. Either you obey a rule, or you do not He was devoted to his Master, yet sometimes Obi-Wan's earnestness could really get in the way. Anakin didn't believe in breaking Jedi rules. He just wanted to find the spaces between them Anakin was well aware that his Master knew of these midnight jaunts. Obi-Wan was amazingly perceptive. He could sense a shift in emotion or thought faster than an eyeblink Thank the moon and stars that Obi-Wan also preferred not to hear about his midnight trips. As long as Anakin was discreet and didn't get into trouble, Obi-Wan would turn a blind eye Anakin didn't want to trouble Obi-Wan, but he couldn't help himself. As the night wore on and the Temple quieted, as the Jedi students turned off their glow rods and settled down for night meditation and sleep, Anakin just got restless. The lure of the streets called him. There were projects he had to complete, droids he was building or refining, parts to scavenge, rusty treasures to uncover. But mostly he just needed to be outside, under the stars Only those of us who have been slaves can he sometimes thought. really taste freedom, gffa: Way of the Apprentice | by Jude WatsonI GIVE ANAKIN A LOT OF SHIT, BUT I REALLY LIKE THIS MOMENT A LOT.  I love that he feels a restlessness that the other Jedi don’t, because they grew up in a safe, secure, supportive environment, and Obi-Wan gets that Anakin isn’t quite the same and needs to run around a bit more.  It’s just FEELINGS ALL OVER THE PLACE FOR BOTH OF THEM.And I love that it shows the balance Obi-Wan is striking with Anakin–”either you obey a rule or you do not” is cutting through to the spirit of things, but that’s not necessarily a judgement thing.  Obi-Wan himself is “breaking the rules” by turning a blind eye to Anakin going out at night, because it’s for the good.  It fits so much with how it’s not about the letter of the law but about the spirit and intention of what you’re doing, the motivation behind it, the why of it, the bigger context of it.  That’s why it’s important to put in that Obi-Wan could sense the shift of an emotion in the blink of an eye, why it’s tied into the same context of Obi-Wan turning a blind eye when Anakin genuinely does need to get out and move.And I love that Anakin recognizes this part about himself.  He spends so much of his life not really understanding himself or what he really needs, that this moment of something that actually seems to help, along with how heartbreaking it is that he has to experience this feeling at all, just makes me allp.s. “Obi-Wan was amazingly perceptive.  He could sense the shift in emotion or thought faster than an eyeblink.” oh my god Anakin sounds EXACTLY LIKE ME when I talk about Obi-Wan, “He’s the greatest person who ever lived, he’s the smartest person who ever lived, THERE IS NO ONE BETTER.”SAME, ANAKIN.  SAME.  RIGHT DOWN TO I AM MAKING THE SAME EXACT FACE WHILE READING THIS BOOK.
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thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this Unless you cosigned the loan, are a joint account holder, or a spouse of the deceased in a community property state, you would likely not be on the hook for any debts from the deceased. The executor of their estate will be in charge of addressing the loans with the help of the estate and hopefully life insurance money, but if there isn’t enough in that to pay off the debts then creditors are just shit out of luck and they legally are not allowed to mislead you into thinking you have to pay them back when you don’t (which is not to say that they don’t try). You have a legal right to order them not to contact you via letter.: Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this Unless you cosigned the loan, are a joint account holder, or a spouse of the deceased in a community property state, you would likely not be on the hook for any debts from the deceased. The executor of their estate will be in charge of addressing the loans with the help of the estate and hopefully life insurance money, but if there isn’t enough in that to pay off the debts then creditors are just shit out of luck and they legally are not allowed to mislead you into thinking you have to pay them back when you don’t (which is not to say that they don’t try). You have a legal right to order them not to contact you via letter.
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thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this : Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this
Save
ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. : Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200.
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corbinalexanderwealthguidance: CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018 STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES BUDGETING: 50/30/20/RULE: For the person already living life, this is an essential rule of thumb: -          50% to Needs:  utilities, rent, food, car insurance (never buy a car on credit/payments and be  required to pay collision coverage:  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck), gas, clothes allowance, etc.  Essentials needed to live! -          20% to Savings Investment:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to NEVER pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments! -          30% to Wants:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “Wants”. Two methods to keep you on track:  -          The spread sheet method:  this is where you track your budget in MS Excel.  -    The envelope method:  this is where you assign envelopes labeled by each expense.   EMERGECY FUND:   This where you have a bank savings account holding a minimum of six months of expenses to pay “all” your monthly bills in the event of a job lose or an illness:  you are NEVER to dip into this unless you are in a dire straight situation.   Establish this fund FIRST before all other suggestions are followed.   SAVINGS INVESTMENT:   -          Start saving for an emergency fund first. -          Do not use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance. -          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…stay tuned! -          Start investing in my ”ALL PURPOSE” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s. -          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date! CREDIT CARDS/BANKING MANAGEMENT:  -          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through Capital One.com or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a local bank using a co-signer to qualify for the loan.  As you SLOWLY establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.   HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.   -          Earn interest in an interest-bearing savings or CD account:               Not all banks are created equal; which is why most are banking wrong:                 BANK OF AMERICA:  This is a “fee city” bank.  You name it, they have a fee attached TD BANK:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!    -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!). You are better off going to a local bank or a federal credit union for your banking needs. BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018! : can do it TO DO LIST corbinalexanderwealthguidance: CORBIN ALEXANDER WEALLTH GUIDANCE:  POSTED 05/06/2018 STARTING OUT FROM SCRATCH – POST #1 IN MY SERIES BUDGETING: 50/30/20/RULE: For the person already living life, this is an essential rule of thumb: -          50% to Needs:  utilities, rent, food, car insurance (never buy a car on credit/payments and be  required to pay collision coverage:  only buy a used, 3-8 year old, Honda/Kia/Toyota for the best value/bang for your buck), gas, clothes allowance, etc.  Essentials needed to live! -          20% to Savings Investment:   used to pay bank loans/student loans, monthly deposits into a retirement account and an investment account, credit card payments (pay off the entire balance each month and not just the minimum payment to avoid paying interest on interest = that’s what eats you alive causing you to NEVER pay off the balance(s)) and never buy stuff from Fingerhut/Rent-A-Center or the like…..the interest on this stuff is outrageous and you pay 3x-5x what the item is actually worth in the end – if you ever get to the end of the payments! -          30% to Wants:  vacations (limit one per year – do day trips for the other week taken on paid vacation benefits) and future “Wants” such as saving for a house:  if you need the monies in less than 5 years, then bank it – if you need the monies in over 8 years, then invest it; that is the industry rule of thumb when it comes to “Wants”. Two methods to keep you on track:  -          The spread sheet method:  this is where you track your budget in MS Excel.  -    The envelope method:  this is where you assign envelopes labeled by each expense.   EMERGECY FUND:   This where you have a bank savings account holding a minimum of six months of expenses to pay “all” your monthly bills in the event of a job lose or an illness:  you are NEVER to dip into this unless you are in a dire straight situation.   Establish this fund FIRST before all other suggestions are followed.   SAVINGS INVESTMENT:   -          Start saving for an emergency fund first. -          Do not use the Overdraft protection feature on your bank debit card = avoid getting into the habit of paying Overdraft charges over and over again!  But do have it on the account – in the event of an emergency = like your car breaks down, etc. and avoid using a credit card and carry a balance. -          Start an investment account at Ally.com/invest and invest in my Model ETF Portfolio that I’ll outline at a later date…stay tuned! -          Start investing in my ”ALL PURPOSE” Model Mutual Fund Portfolio: starting in your mid-50’s/early 60’s. -          Start investing in my designated Model Mutual Fund 80+ Portfolio in your 80’s; exact allocation percentages to also be revealed at a later date! CREDIT CARDS/BANKING MANAGEMENT:  -          Establish a credit history at 18 years old before working a full-time 9-5 or going to college:  now is the time to obtain a pre-paid debt card through Capital One.com or a similar lender.   And do not forget to get a small personal loan ($1,000.00 minimum) at a local bank using a co-signer to qualify for the loan.  As you SLOWLY establish a credit history; apply for a no-fee/low credit limit card through Discover.com and/or Capital One.com.   HAVE YOU RUN UP YOUR CREDIT CARDS TO THE MAX AND DROWNING IN DEBT OVERALL? – CONSIDER CLAIMING BANKRUPTCY AND START OVER – JUST BE CAREFUL; DON’T SCREW UP AGAIN LIKE THE LAST TIME.   -          Earn interest in an interest-bearing savings or CD account:               Not all banks are created equal; which is why most are banking wrong:                 BANK OF AMERICA:  This is a “fee city” bank.  You name it, they have a fee attached TD BANK:  This is a bank with convoluted morals.  Good luck banking in this environment; more horseshit then you can shake a stick at!    -   If your balance falls below $100.00 at TD at any given time during the month; they hit you with a $15.00 low balance fee ($180.00 a year!). You are better off going to a local bank or a federal credit union for your banking needs. BE ON THE LOOKOUT FOR MY NEXT SERIES INSTALLMENT POST ON 6/3/2018!
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Scientists Vic Tandy At Coventry University May Have Found An Explanation For Ghosts: Thousands of people across the planet believe that ghosts exist. Interestingly though there may be a very good reason why people think they' ve been visited by a spirit from beyond the grave and it has nothing to do with people dying in your home, Ouija boards or demonic forces. In fact the reason that people see ghosts or otherworldly apparitions is all down to something called infrasound' a frequency of sound so low (20Hz to be precise) that the human ear can't hear it but that doesn't mean we can't feel it This particular frequency can be generated a number of ways including. earthquakes, nuclear bombs and even pigeons. The idea is that if infrasound hits the human eye at just the right frequency and strength it can cause the eye to vibrate, distorting a person's vision causing them to see spooky ghosts and whatnot. Infrasound can have another effect as well. it can cause people to feel uncomfortable as though there's a person to feel like there's something else in the room and some subjects who' ve been exposed to the frequency have reported a profound sense of dread, nausea and a general sense of unease. No doubt though all you believers are thinking: "Well, that's all well and good but I saw a ghost and here wasn'ta nuclear blast for miles" and you'd be right But infrasound can also be generated by something in every house. Namely the pipes in your wall which are more than capable of generating the 20Hz needed to bring on nausea, anxiety and uneasiness. The connection between infrasound and ghosts were first noticed by Vic Tandy. a part-time lecturer at Coventry University Tandy noticed was working in a supposedly haunted laboratory at Warwick, when he began to feel anxious and saw a grey blob out of the corner of his eye. When he turned to face the blob though the mysterious mark disappeared. While investigating the cause of the grey blob he discovered that the lab's extractor fan was emitting a frequency of 18.98 Hz, very close to the resonant frequency of the eye. He believes that this is what caused him to see the ghost Of course this is just a theory for why people see ghosts and we can't disprove that it's the souls of the dead visiting but on the balance of probability what's more likely? GOOD NIGHT. SLEEP TIGHT Scientists Vic Tandy At Coventry University May Have Found An Explanation For Ghosts

Scientists Vic Tandy At Coventry University May Have Found An Explanation For Ghosts

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meme-mage: MY KILOS Sometimes it can be very frustrating having to go to different interior decorating companies to pick decorative lightings, modern chairs or something as simple as  a bread box. It is no wonder that decorating any part of your home has become a daunting task as you struggle to maintain the balance between clean, simple lines and contemporary pieces of light fixtures, furniture and basic essentials. Contemporary design has become more experimental as people try different strategies regarding product design. Today, a design look is not just about being sophisticated but also using the element of functionality. It is indeed a challenge to create a design look that displays true craftsmanship and caters to the requirements of the customer. : meme-mage: MY KILOS Sometimes it can be very frustrating having to go to different interior decorating companies to pick decorative lightings, modern chairs or something as simple as  a bread box. It is no wonder that decorating any part of your home has become a daunting task as you struggle to maintain the balance between clean, simple lines and contemporary pieces of light fixtures, furniture and basic essentials. Contemporary design has become more experimental as people try different strategies regarding product design. Today, a design look is not just about being sophisticated but also using the element of functionality. It is indeed a challenge to create a design look that displays true craftsmanship and caters to the requirements of the customer.

meme-mage: MY KILOS Sometimes it can be very frustrating having to go to different interior decorating companies to pick decorative li...

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meme-mage: Sons Of God is a science fiction fantasy mini series depicting thestory of 7 chosen warriors who battle Lucifer and several supernatural beings as the fate of the earth hangs in the balance. “Unlike all the other art forms, film is able to seize and render the passage of time, to stop it, almost to possess it in infinity. I’d say that film is the sculpting of time.” – Andrei Tarkovsky  “Don’t wake me for the end of the world unless it has very good special effects.”– Roger Zelazny www.sogwebseries.com : SONS OF GOD JOSE MAYSONET-ARIEL DE MENT-VANESSA NOEL TaE BLAKE ANTHONY MARIE VACCARELLA HILAIRE KENNEDY EXECUTIVE PRODUCED BY STEPHEN VILAPRERA - ASSOCIATE PRODUCED BY JOSE MAYSONET - DIRECTOR OF PHOTOGRAPHY: DECEMBER DAWN DIRECTED BY: LEONARDO SANDERSON You Tube viaded flickr Linked in myspace facebook В контактe twitter meme-mage: Sons Of God is a science fiction fantasy mini series depicting thestory of 7 chosen warriors who battle Lucifer and several supernatural beings as the fate of the earth hangs in the balance. “Unlike all the other art forms, film is able to seize and render the passage of time, to stop it, almost to possess it in infinity. I’d say that film is the sculpting of time.” – Andrei Tarkovsky  “Don’t wake me for the end of the world unless it has very good special effects.”– Roger Zelazny www.sogwebseries.com

meme-mage: Sons Of God is a science fiction fantasy mini series depicting thestory of 7 chosen warriors who battle Lucifer and several s...

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