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#i showed it to my spouse who is a hs teacher
teledild0nix · 1 month
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so i'm writing an 8th year fic and h&d are taking a muggle studies class together in which they read one of shakespeare's plays, and i'm trying to write a final project (for which they are partners) but like. hogwarts academics don't seem all that uhhhhh rigorous to me (like we see the students complaining about having to write a foot of parchment which is essentially ONE PAGE HANDWRITTEN) and i'm a little worried that my assignment is too rigorous.
it involves a lot of like. thinking analytically and using your imagination wrt the motivations of people unlike yourself, and that's not rlly something they do much at hogwarts as far as i can see. BUT it is muggle studies, and like. they could definitely all use some practice at those skills, following the recent implosion of their society.
#i showed it to my spouse who is a hs teacher#'where are they getting the books for this research? are there wizarding books about macbeth?' no there are not#the professor chose macbeth bc it has these concepts that will be familiar to them like witchcraft and prophesy#but presented from a muggle perspective#and also bc shakespeare is foundational to english literature and culture and it's good to be familiar with his work#and also bc they don't have a lot of experience with art esp language arts which is so so so sad and this will broaden their world#and ALSO bc shakespeare wrote before the statute of secrecy was signed which hopefully sparks their imaginations#to what extent might shakespeare's work have been impacted by ambient magic? or rumors of magic?#and if they had like a regular english literature education#they could talk about like the role of outcasts in shakespeare's work and whether magical people fit into that role#but they do not so we have to be a bit more literal#for the students that are prepared to like dig into this stuff it could be a very engaging experience#but most of them will prob be a bit lazy with it right? and maybe just resent the assignment and not get much out of it#and like!!!!#this assignment is literally just an excuse to have H&D putting their heads together in the library#and bring their relationship/the fact that they've been warming up to each other and spending time together out into the open#in a plausible deniability sort of way#a friendship soft launch if you will#i get a little carried away about these details sometimes#like if i mention the characters getting sandwiches i will look up menus for places they could plausibly have gotten sandwiches in that are#to make sure the sandwiches i mention are reasonable sandwiches#i heard some dumb story about meghan markle freaking out about not being able to get avocado when she was in the uk#and i remembered a fic i had written where aziraphale and crowley eat egg and avocado sandwiches#and i felt ashamed#an implausible sandwich!!!!
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dehalogenase · 5 months
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watching travel content again. big and brash ol' british man walking across the darien gap with venezuelan migrants and hanging out in kabul in afghanistan after the US army left. reminds me of how i felt when my hs teacher showed us rick steve's episode in Iran.
we are all more alike than anything else. good food and good booze where possible. friends and curiousity and kindness and trepidation where necessary.
old men who read poetry and groups of young women laughing and everything else. make a living and kiss your spouse and go to school if you are lucky.
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callioope · 5 years
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Questions Meme!
Hello, yes, this HAS in fact been sitting in my drafts for ages and ages. Thank you to both @crazy-fruit and @ruby-red-inky-blue for tagging me and for waiting forever for me to answer (oops)! I’m sorry I took so long, but y’all ask really good questions and I had to think about some of them!
Question Set 1
1. How are you?
Oh, I’m doing alright! Thank you for asking. The earlier part of this year was rather rough, but therapy has been helping. I’ve been rather busy these past few weeks with traveling, and my schedule going forward is rather busy, too, so while I’m excited for those things, I’m also excited for the eventual moment I can just relax.
2. What would you say are your talents?
Writing. Making fancy color-coded spreadsheets. I’ve been told that my super power is getting random (annoying) songs stuck in other people’s heads. Does that count as a talent? 
3. If you had the chance to start your life again, would you take it?
NOPE. No thanks. I like where I am at right now, and I would not want to relive my awkward years. Er, at least, my more awkward, younger years. Cuz I’m totally still awkward. Just less awkward. I hope?
4. Which language would you like to speak instantly? 
HMM. ALL OF THEM. It’s really hard to choose! 
Language fascinates me, and in another life I feel like I would have devoted a lot more time to learning more of them. Unfortunately, I really hated German class in high school because of the teacher’s tendency to put people on the spot -- I think that is sort of inherent in a language class, but I get anxiety speaking in public. 
Anyways, I suppose I’ll answer Turkish to this question, since spouse and I keep saying we’re going to try to learn Turkish via Duolingo. For the record, my HS offered six languages, which was the most I’ve ever heard of an American school offering, and I was always quite happy with my choice of German. (The others were Spanish, French, Italian, Chinese, and Latin.) I do wish I had maintained my German better, and I that I had more time to learn Spanish. 
5. Where would you like to be right now?
Honestly? I’m pretty happy when I’m at home. But if I had to answer where “else” would I like to be right now, out of the whole world? Being back on safari in Botswana is a top contender, as are a variety of places in Turkey, and also Munich. 
6. What name would you give yourself?
I’ve always liked my actual name (Elizabeth). I know I go by Liz; one of my HS friends was quite stubborn and I’m a bit stuck with it now, but I don’t mind it. There are worse nicknames that come from Elizabeth. I used to go by Fiona online; I’ve always been fond of that one. 
7. What is something you’re currently learning?
OOF, what a good question. I sorta blanked on this at first, and my first thought was uhhhh learning how to cope with my OCD??? I’m doing exposure therapy right now, ish. Emphasis on the ish. Also mindfulness. Does that really even count? I started a beginner’s knitting project several months ago that I never finished, does that count? (I just need to seam it, that’s what I’m putting off. I have knit plenty of scarves; however, this is my first hat.) I’m sort of teaching myself ukulele although I haven’t really learned any new chords or songs in awhile. I would very much like to take more photography classes with a focus on wildlife photography. That involves buying a new camera and... signing up for classes. 
Question Set 2
1. What is a detail in a piece of art/a text that you like that you really admire?
This was very difficult, at first because it was like looking at a bin full of loose things and just seeing an assortment of color and being overwhelmed by it all, and then because once I did start digging around, I kept finding different ideas and it was too hard too choose.
Character-building: In the A Song of Ice and Fire series, when Arya starts working for the House of Black and White, Martin stops using the name “Arya” as she dons different identities. For example, he uses “Cat” for a bit, among other names. It shows she’s trying to be someone else, but the caveat is that there are still little mannerisms and such that show she hasn’t really left Arya behind (I think maybe she bites her lip or something? I don’t remember specific examples because it’s been over 5 years since I read these books, but I do remember really appreciating the general technique at the time). 
Music: In The Beatles’ “I Want You (She’s So Heavy)” I love those repeated arpeggios, over and over, building, intensifying, as the white noise comes in and you can just feel the heaviness of desire, of want... (and then I love how it just breaks so suddenly! And I know it wouldn’t have been intended this way because that’s the end of side one, but since I listen to the whole album on spotify, then those bright chords of “Here Comes the Sun” come in and god Abbey Road is the best Beatles album)
Writing: the poetry of Florence + The Machine’s “All This and Heaven Too,” obviously, since literally the title of my blog comes from that. I’d quote that whole song honestly. There’s something that speaks to me about the incapability of language to fully encompass just... everything. I mean, love in specific here, but also just everything. Words are just these little boats we put meaning on and we hope they make it to the other side but everyone takes ‘em a little differently. 
Like, look at this: 
And the words are all escaping, and coming back all damaged And I would put them back in poetry if I only knew how 
And this: 
Words were never so useful So I was screaming out a language that I never knew existed before
Anyways, there’s also something just incredibly soothing about the music, too, and how she sings the song. There’s another line, from Sara Bareilles’ “Miss Simone” that goes “How does she know what a heart sounds like?” which pretty much sums up how I feel about “All This and Heaven Too” (and also many of Sara Bareilles’ song, especially that particular album, but I digress).
Anyways I did have some art examples, but I think I’ve rambled long enough.
2. Is there an idea that you really liked but had to discard because you couldn’t get it to work?
If I really like an idea, I don’t really “discard” it so much as put it on the shelf to attempt later. Out of recent fic ideas, I’ve really struggled with “How to Lose a Spy in 10 Days.” I first thought of this in late spring 2017, and for awhile I couldn’t stop thinking about it, but I was working on Whatever I Do at the time, and wanted to wait before starting another WIP. By the time I got to writing this, the inspiration well had sort of dried up. 
I really like the idea of a fun cat-and-mouse rom-com idea where Jyn and Cassian keep outsmarting each other, with a whole lot of competency kink, some “oh shit we actually work well together!” and maybe some battle couple. And I was really looking forward to both the moment when they both finally let their guards down around each other and the big confrontation when they actually find out each other’s identities. But it involved more mission writing than I was prepared for, and I really struggled with it. I think I need to start over but that involves a lot of working, so it’s unfortunately shelved for now, and I’m working on a “You’ve Got Mail” concept instead.
3. Is there something fandom-related you would like to be able to do (i.e. I’d like to be able to make gif sets but can’t)?
Oh, yes, absolutely! Really anything that’s not writing related, lol. Gif sets, art, etc. But most of all, I have a music video idea for the song “So Close” from Enchanted--like I have a whole story board plotted out in a google doc. But I don’t have any video editing software, don’t even know how you get the scenes for a music video, etc. I have made videos before, but not since high school, and I don’t even have the cheap, basic video editing program I used back then. Sometimes I think I should just attempt make a gif set instead, but there are so many lyrics! and scenes that go with the lyrics! that I don’t know how to consolidate it into that format anyways. 
4. What is a skill you’ve acquired through fandom work?
Hmm, this was tough. I’m going to say HTML. I’m not up-to-date on webdesign at all, but back in my early fandom days, I ran a few fansites. I still sometimes use HTML while leaving comments or to edit posts on dreamwidth or w/e. It’s super basic, but it has helped me at work at a variety of jobs. I take it for granted that people my age should know basic HTML, but a lot of them don’t, and then a lot of people I work with now are older and definitely not tech savvy. 
5. Do you think anyone can learn to create great art, or does it take talent?
Well, I’m going to cheat a little. I do think think that anyone can learn to create great art, but I also think that everyone has a talent at something, and part of learning to create great art is recognizing your skill sets and honing those. If that makes sense? I’ve sort of seen both sides to this. I’ve seen naturally talented people create great things, but I also think that they’re probably cheating themselves if they’re not learning and honing their craft and trying to get better. But I’ve also seen people who started out making things that maybe you wouldn’t call great, but they worked hard over and over again, and looking at their work now, you’d say they were talented without ever knowing the difference. Great art = talent + learning + passion. Did that even answer the question? ...moving on
6. Do you prefer AUs or in-universe? Why?
I prefer to write in-universe, for sure. I find modern AUs more challenging, mostly because--and I feel kinda bad saying this--it’s very difficult for me to tap into Jyn and Cassian’s characters without some kind of tragic background. Their experiences and how they coped with them shape their personalities, and it’s really hard to separate them from those. My WWII was easier because, hey, it’s war, not so different from in-verse. But I initially tried to write Learning Curve in a modern AU and I was just totally bored. Putting it in universe made it more interesting to me, especially having to finagle a happier plot inverse. IDK, it might even be that I generally struggle to make up any conflict in modern AUs that feels interesting.
THAT SAID, lol, I definitely read either. So it’s probably strange for me to be hung up on it because I’ve read nice fluffy modern AUs and found them perfectly engaging.
Tagging: @theputterer, @magalis, @allatariel, @mythologicalmango, @threadsketchier  MY USUAL DISCLAIMER APPLIES: no pressure if you just don’t wanna, AND if anyone sees this and was like “aw hey i wish she’d tagged ME” well guess what, I wish I did too! so go ahead and do it and let me know and then i’ll know to tag you next time, too :-) 
Questions:
When you suffer a setback or a series of setbacks when creating (writing, drawing, knitting, any kind of crafty project thing you work on... even work), what are some strategies you use to cope with that stress and move forward?
What’s the hardest thing you’ve ever had to create/make and what did you learn from it?
What part of a bicycle would you be?
What’s a helpful writing (art/crafting/work) technique you’ve learned?
What’s a piece of art that made you see things differently?
You’re a new addition to the crayon box. What color would you be and why?
What was the last board game you played and what did you like or not like about it?
*sorry these came out rather writer heavy!
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paraclete0407 · 3 years
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Feel like Du Fu dreaming of the distant capital Chang’an; ‘liang-zi’ in rain or so.  Money burns, houses burn - diamonds burn.  ‘Do not harm the wine and oil.’  People don’t even think about An Lushan Civil War and IDK if I read fake history but f-cking Hail Satan / Moloch (’Eat, Lord!’ - Salammbo) from what I read; this world; these men; ‘A Dish of Peaches in Russia.’  Can’t wait to get tortured by K-mafia in all the pornographic violation-vectors pleasures of which I investigated over the years dept. of Purgatory(?).  Sing infernal muse of orgasm-hunting and desperately personal inward contractionist odysseys; I rem. thinking ‘220K Belgian breast-implants,’ it looked like my piano-teacher’s house; Knausgaard is like ‘Time for Everything.’  I wrote ‘Success Kid Soup’ where SAmchon / Sammo is writing his Salterian gratitude-journals teaching Hyomin abt. James Salter, then, ‘final eloquence(?) of Jane Austen scholarship.  
I rem. once sleeping at Lake Park in car thinking PCH slept in cars to keep from being degen. but ppl thought I was battering old men at Children’s Grand Park or smashing up one of my favorite girls with a flashlight(!?) - it’s not even true.  
‘Do you know The Death of Ivan Ilyich,’  midnight gardens, but at this time in my life I felt I had no real program.  My only ‘take’ was if you want to talk about DoII let’s sincerely talk about it but then IDK what women ‘intend.’  Plasma-cannons, alien antennae; a while back I thought about ‘Holdings’ only there appears to be a baptism of fire in some sense or other.  I rem. psychoticization of Barry Hannah, GnR prophecies, is he burying or disinterring the AK-74.  The song from the untranslatable SF global HumDev drama where they married IRL then divorced, some Frenchman,... sexually awaken this! - that song is like... I went on Wikipedia reading about kamikaze, ‘liberty,’ bomb-interception w/ Type-0, fact that some Japanese really weren’t lip-lick daddy-daughter fake paternal colonialists (i believe) b/c a few JP probably detected Perry’s lip-lick, ShiShi, knock knock wakizahi Heaven’s Judgment to mental Cho Kuks(?) - Koreans understand Iwo Jima Lt. Gen b/c these are sacred bloodlines 
I rem. ‘when Black girls love them some white boys’ - great!  I just regret ever saying anything like TW-1 French tips it’s retarded, now abideth the face, the brows, the destiny of Woman, 
XJP probably knows all this; extend question, how to show / teach world..
‘I appreciated’... ‘Expectation’... Smoothie Kng FroYo Bella...
IDK why I feel like saying all this now; I bought a watch-head for like 50 ollars that later got humidified, the watch-repairman’s grip was excellent, but these peple are just not my constituents because at bottom they’re AmKor AAPI Twitter ‘PS always hated you’ reactionary tribalists so rape me my friend!  Leave me alone!  I liked ‘Beautiful Goodbye’ but as for the ‘Taeyeon suicide countdown types’ if you really wanted ‘My way your way anything goes tonight’ stimulation can I rip out your fingernails upside down hang baseball bat - it cost less than Six Flags and make more ‘individual special’ story.  It’s not wrong to torture, ‘better to marry than to burn’ and better to hydroelectrocute, waterboard, shortchain, airplane, than spew infernal lies.  Confucius ‘If you love your son beat him’ - I wanna beat myself, IDK if I was right or wrong but smashed ‘Ryan’ with softcover workbook 2011, different time, also turned out he was set up / falsely accused by James so I became one of those ‘ppl that made ppl hate all teachers / system / Caucasians’ - legal, other ppl were toe-kicking to back of knee and stuff.  My colleague asked the English for ‘corporal punishment’ I said ‘physical punishment’ b/c ‘corporal’ is mil. rank and ‘corporeal’ is Catholic oceanic concept.  Other ppl at that hagwon were like ‘cartoons, puns, I am “woke” and exprienced instructor, circumspect, every so often hurl lethal objects at children’ - later he said stuff like ‘pimping Incheon,’ real estate license, Canada.  ‘Korea’s got some growing up to do, libertarianism, a million year patrimony of Canadian nationhood.’  Pornhub, Hushmail, greed-immigration-laws.  I said ‘You’re the butler from Kazuo Ishiguro’ but why say anything these ppl are nail-paring... David’s harlotry, how to cancel you, fake dream, no depth of instructional design or whole school architecture, not even dream, not even waiting... Sad!  I remember Jordan Peterson calling Tinkerbell ‘the porn fairy’ I like Soshi’s ‘Tinkerbell’ from the press-motif and its echo of Emerson’s notion of the ‘scholar of one candle’ I’m not pro-pornography I just have Catholicistic aesthetics
Now I remember ‘David’ who wanted a card and considered the ‘Fnal Word’ summative statement possibilities of a mechanical pencil.  But in the future everyone already understands everything.  I remember later filing away what I had taken to be perfunctory observations based on students’ testimony such as ES = parents; MS =friends HS = [TD Jakes sermon + purposes + future spouse etc.]... My friend said sth, I get super-sick of sharing anything with anyone + fret that all my ‘good deeds’ are being rewarded in this world.  Sica’s ‘Gravity’ cover.  I just no longer understand Korean; Brooks Brothers as white supremacist(?).  LJH is like ‘walking straight up to Heaven.’  Condescending-Canada-1 on my 26th birthday was talking about ‘meting you again’ story-ideas; I had a ‘hen could fly’-esque story idea about deer or ‘hart’ and ducks but in retrospect symbolic thinking, who cares.  ‘that has expelled us and our images (Stevens’...
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Picture of A.S. Lizzie particolor sweater Cheonggyeoncheon; New Order ‘Regret,’ Thatcher era, all these English ‘God wot Warhammer 40K’ retreat in to expressive Imperium that seems condition of fiction but is actually ‘potential prophecy’ or future certainty-world.  It was ‘Regret,’ Singapore, but the 40K people were satisfied w/ their lives and Thatcher that I know wasn’t executing them or corralling in to work-camps just saying [make do with less?]...
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I wanted to Western fencing and ended up w/ saber/re, in the late 1990s WJC dispatched cops with MP-5′s in order to extradite or return Cuban refugee-boy to his communist homeland; coach is saying ‘Nazi.’  Did Castro threaten terror or was it just child-sacrifice.  Later my HS achieved prominence in female saber but honestly, games, toys, fake progress, fake hope, IDC don’t touch me.  I later took interest in epee, San-E ‘Feminist,’ my dad said a smart comment about ‘dissonance’ but it is still ‘representations.’  It’s Madonna ‘Holiday.’  
‘Seulgi didn’t touch flowers b/c harm them’ - Pearl Buck ‘Living Reed.’ ~ ‘harm not the Earth.’ Gym avoid, just run or work or sth.  Insane veterinarian bodybuilder ‘meat digestion enzyme - eat many animals as possible.’  ‘Isolation exercise’ - ev1 wants to believe this brililant then they spent like 3000000 dollars on gov’t money on SF training then they are ‘vastus medialis.’  I like ‘Say something nice about Seulgi’ - it’s like ES.  
Feel like what should I confess, my very fav. student, ‘the one who could be anything, whose parents maybe gave her ‘open class.’  What is someone like that to do?  
I used to drive down Capitol seeing Black people thinking ‘God’s chosen’ or so but didn’t feel compelled to add or contribute anything to them as they had a special destiny.  ‘Where do I take this love?’  Everyone wants to adopt everyone, I believe it monstrous, oppose, veto.  ‘Teach me the way’ - it’s grooming, pederasty.  I rem. ‘This Is Love’ and two words that mean ‘already.’  My old poem about S’hai-1 and ‘South of the Border West of the Sun.’  Even more now channeling ‘Evr’y Hour,’ seeing Genghis Khan books at BN,’ Beolsseo arasseo.’  I admire out-of-time rubato things, Spengler characterizing the Greco-Roman culture-soul as ‘andante.’  HUFS-1 is ‘Andante Spianato,’ ‘planing.’  I knew her hometown but she’s not my girl so.  I know no other piece with a ‘spianato’ direction.  No one plays this piece to my satisfaction it’s more Chopin monster-magic.  I liked ‘Forgefuness’ by Hart Crane in a way but weird dreams with Crane like a gelatinous turkey b/c hat is so great abt being homosexual and brilliant(?).  Power without responsibility, conceit.  There were these word-jump-around-page poems from Strand books that I wrote with great joy-generation in HS but after that decided it was madness, mental illness.  Square poem, piano reduction of insanity-pop-music, cancel manic depression.  Later tried sonnet, tangci, sijo.  I like ‘sobriety, staidness.’  ‘Letters to Auratus’ more of my writing tutoring / literary agency abt. what are you trying to convey with ASLS, surrogacy, Heideggerian being-towards-death, dying life.  I get it - for a time I always said ‘I see what you’re saying.’  Purity, remembrance.  But IDK if Auratus knows or doesn’t know b/c ‘Can’t I lie?’  Maybe it is other people’s pathos.  Surrogacy, chaebol, AI knows I like HK3 a lot but in retrospect... I had the phrase ‘autumn settlings.’  Old man waiting for his son, mitigation, train to Cheonan with this grief-blind woman or sth, are you looking at me?  My nose is not Jung Woosung’s nose.  I forgot the zeitgeists from past dramas; I ban them anyway.  ‘The Charm of Department Stores.’
‘Roads Not Taken’ or so is a book about the Vietnam War; who wrote the last word on the Vietnam War?  I felt it strange that they make monthly magazines about the past; this transport with American soldiers very washed.  Vietnam has huge butterflies.  ‘Soldier’s Wives’ ~ ‘This is her taste,’ Chris Kyle’s wife but it’s still like LBSDBS.  I remember reading the Mutual Assured Destruction guy’s theory f ‘Faustian peoples’ or so (not Spengler’s idea of all the West as Faustian-outward-historiographical+ ut sth different), my fav. K-film has always been AMFL; I started remembering ‘Insa,’ feeling autumn golden leaves thrown up by the passing SUV fall through my body.  These words mean many things and in past I took words in mouth I should keep to myself and wish to hear rather than say or wish to mull rather than flaunt... (once Grahame Greene squalor-lord met the Pope who said ‘But I’m already Catholic’ - dept. of apologetics v. present prophecy, discernment, reality-betterment).  I want to tell my most demonic sex-trafficking hallucinations like hole-in-heart zombies racism pineapple pizza, paint the apartment - this was ‘nesting.’  ‘Reflections.’  Auratus was talking of the F-22 which I wanted to tell him that’s not the fastest plane by a longshot, today too I think evth is Satan electric fields and drones thrust-vectoring is a huge toy but IDK what IDK.  I wished to send all F-22′s to Kor, I used to nickname this girl XB-70; I thought I was once the little escort just there to film the test or sth.  KJAD rapidly improved, the shrimp whale dolphin thing vanished. Creatures.  There were scramjets and that reverse dive-bombing where you climb, thrust-weight ratio, ‘arabesque.’  I used to deliberately mar my English and say ‘I think it’s good idea’ and ‘good form.’  
F-22, I feel like USA trashed their whole continent and now can’t even give good motor-vehicle?  
 Memories of KJY, ‘Black is beautiful?’  Wilberforce.  ‘Confucianism is all about the phallus(?!).’  YOU help them dept. of Maoist time-bomb.  I’ll g to Somalia, Eritrea, one day.  I know these kids have special promise; I too would take measures to make them cute and loveable.  ‘Social form.’  I love Paul Washer - ‘porn = unloving heart’ - kneel before father... but they need good police; I don’t own firearms; I don’t like to exaggerate.  Like in 2012 Doomsday in the end Africa becomes the center o human civilization... I read King Leopold’s Ghost; there was a Georgian Southerner at Beauty School so I got mad at started talking about Gen. Sherman burning down his home turf.  Believe in severity; I wanted to help them but they’re so sure they know sth but they’ve been exploding-heart-ing me since like MS; it’s part of why I just wanted to live in Redlands and write in the office ‘cause I know what they think; my name is like a Confederate general, IDK my own past, supposedly teetotaling Union officer who burned his uniform.  Tory anti-belief-niks... Let’s talk about Myeongnyang, sacrifice, simplicity, the other thing if adult job-opportunities I guess b/c I know all about being educated but underemployed but I’m not Biden; what job can I create?  Just tell them I’ve lived less than I say I’ve lived; ‘creative writing.’  I never made it to Busan, what’s in Busan?  Shanghai never made it.  Let’s talk about ‘10,000 Sorrows,’ abandonment, slavery, honor-killing, church abuses.  Jazz is neither here nor there that I can tell; body-image.  Who’s the most important person in the world today?  What’s God’s will or me?  Just delete my family name?  Of course I like ‘Deep River’ - ‘ugly and destructive’ slavery.  ‘My Soul’s Been Anchored in the Lord.’  They think I‘m the mark / easy money / sue for punitive damages but I think they’re the marks, ‘maybe so.’  Korea’s not inlating min.-wage; wanna talk about Ralph Ellison, Toni Morrison, James Baldwin.  I know a bit about Baldwinian sin-eating like ‘I tell you all my dirty secrets then pretend I didn’t’ - it’s called US mental healthcare system.  I like that poem about the pimp but this poet also shout his mouth off talkig about firing in to crowds of protesters.  ‘Fire Next Time.’  With Covid it could well be; I was telling ex-friend about how there would just be tanks on the street again but I have come to believe I was reading the future by past.  I used to bodybuild in college and eat fish oil every 2 hours so this girl who loves Taeyang saw my fish oils and started crying since she thought they were steroids; ultra-beautiful,Bo probably / hopefully flourishing, modified spelling of the name that means ‘revelation of God.’  But Snoop?  Cardi?  Does their ethos or way of war ever ever ever prevail?  Bonhoeffer learned from the Black church; I loved his poem about feeling strangled in prison.  I wanna raze Milwaukee and build them reasonable apartments with study-desks and stuff; their neighborhoods have a soothing energy.  Someone a deacde back was eating with African-African national leaders who confided, ‘Our whole continent doesn’t have enough wisdom.’  Koreans were buying up farmland in Africa.  I was sad b/c I felt I had a chance; I checked some vaccine-info. now it’s just like in Uieongbu DJJ is some kind of bio-terrorist.  I was fond of DC Sua’s ‘Copycat’ although I backed from all that because it’s infinitely misinterpretable; I thought about ‘Love Only Me,’ now I am like ‘Love Someone Else.’  I felt as if this ought to be a lenten penitent ‘reduced circumstances’ era in remembrance of numerous mistakes, going humbly.  I liked ‘Don’t Waste Your Life Sentence,’ spring nights.  I sometimes feel as if the current POTUS will say all the right things but the drug-laws in past were merciless and what was the point?  But that’s Rome and I’ve no portfolio.  ‘Henry Fish’ my YAL from 2012 - endless sorries- with his 30-dollar military jackets, taped glasses.  ‘Glad and proud to call Obama my president.’  I’ve never voted and don’t intend to except in ‘12 I voted for Obama partly because the psychiatrist and I had a good exchange; now feel that leaving the town hall that ‘pride’ was literal pride, evil, like all these women say, ‘Why would you do that?’  ‘ObaMao.’  I PRC they called him ‘heiren.’  Syria red line ciaccona, Obergefell, strat-patience.  End Iraq then suddenly super-massive investment in modernization of nuclear forces, telling EU to pay more for defense - there’s just not gonna be Heaven on Earth & I am never gonna make it to Venus and I really walk round thinking about camping in ex-NK and I do’t mean like the drama  But he’s a great man too.  ‘Cocaine and cohabitation’ - maybe he really was pace Dreamcatcher beginning of the end, from Hawai’i, ‘From Here to Eternity,’ end of AmCent.  His ‘Amazing Grace.’  I said something really obtuse about Bloomberg, Pete Mayor, Biden; a while ago skimmed ‘Lost Victories’ about the Nazi general who drove tanks through forests and stuff, when is going to fall the sword?  I liked ‘Beethoven was Black,’ Waldstein-III, and 111 is like ‘massive slave rebellion followed by less-tn-expected final affirmation. IZ*ONE ‘Human Love’ (in respect-mode I call it Ahn Yujin and Jo Yuri ‘Human Love’ b/c they were already breaking up the GG) - I thought it was a great moment; a signature.’  Then the ILY3K, marriage bad, uneducated, omni-prostitution unrestricted war CCP-revanchism exceedingly woke but for all I know I’m just a fake cultural Christian. 
0 notes
naceisonthecase · 6 years
Note
1-99 🙊🙊🙊🙊
Do you sleep with your closet doors open or closed? I don’t have a door on my closet 
Do you take the shampoos and conditioner bottles from hotel? Of course, free things are great!!
 Do you sleep with your sheets tucked in or out? I don’t sleep with sheets cause they annoy me. Just a bed spread and my heated blanket. 
Have you ever stolen a street sign before? No?
Do you like to use post-it notes? Don’t really use them
Do you cut out coupons but then never use them? I don’t cut out coupons but I sometimes use he ones they give out in stores. But there is also the coupon limit so I don’t really use them. 
Would you rather be attacked by a big bear or a swarm of a bees? A bear, no idea why. 
Do you have freckles? Yes 
Do you always smile for pictures? Mostly My mom only takes pictures if we are all smiling properly. I only don’t smile for selfies if I wanna be artistic. 
What is your biggest pet peeve? People not knowing things that should be obvious. 
Do you ever count your steps when you walk? Sometimes. I do this thing when walking home with drinks or heavy bags that I walk like 10 sidewalk steps then take a sip of switch off which hand I’m carrying the bags with. 
 Have you ever peed in the woods? A lot time ago when I was camping. 
What about pooped in the woods? Never
Do you ever dance even if theres no music playing? Already answered
Do you chew your pens and pencils? I used to when I used them in class but I don’t anymore
How many people have you slept with this week? None
What size is your bed? Twin
What is your Song of the week? Alone by Halsey (currently stuck in my head)
Is it okay for guys to wear pink? Of course, if they like wearing pink then it’s not up to me to stop them. 
Do you still watch cartoons? Yup. 
Whats your least favourite movie? I don’t know. I’m not much of a movie person. 
Where would you bury hidden treasure if you had some? Already answered 
If you’re a girl, bra size? If you’re a guy, pants size? 32A (I’ve never bought a bra for myself so I didn’t even know that) 
What do you dip a chicken nugget in? Nothing 
What is your favorite food? Perogies
What movies could you watch over and over and still love? Already answered
 Last person you kissed/kissed you? I rarely kiss anyone 
Were you ever a boy/girl scout? I was in Girl Guides (did Sparks, Brownies and Guides but never made it to Pathfinders)
 Would you ever strip or pose nude in a magazine? Nope. 
When was the last time you wrote a letter to someone on paper? One of the times I had a pen pal but I never mailed it off
 Can you change the oil on a car? Nope
 Ever gotten a speeding ticket? I don’t drive
Ever ran out of gas? Again, I don’t drive
Favourite kind of sandwich? Ham and cheese I guess. I don’t like sandwiches. 
Best thing to eat for breakfast? I don’t eat breakfast usually. 
What is your usual bedtime? Between 5am and 7am 
Are you lazy? I can be if it’s something I don’t wanna do 
When you were a kid, what did you dress up as for Halloween? Madeline and a Sleepover Girl is all I can remember
What is your Chinese astrological sign? Pig
Are you horny? Nope, but I don’t know what it feels like to be horny anyway. 
Do you have any magazine subscriptions? Nope
Which are better legos or lincoln logs? I didn’t play with either when I was younger
Are you stubborn? I can be at times
Who is better…Leno or Letterman? I don’t watch either
Ever watch soap operas? Some of the shows can be considered close. 
Are you afraid of heights? Not really
Do you sing in the car? Yeah I do. 
Do you sing in the shower? I don’t like to shower 
Do you dance in the car? Yup
Ever used a gun? Never, don’t even want to 
Last time you got a portrait taken by a photographer? The last pictures we had done before my step dad died
Do you think musicals are cheesy? No, I love musicals 
Is Christmas stressful? It can be but it’s more fun than stressful
Ever eat a pierogi? Yes it’s my fave food 
Favourite type of fruit pie? I don’t really like fruit pies 
Occupations you wanted to be when you were a kid? Teacher
 Do you believe in ghosts? Kinda
Ever have a Deja-vu feeling? Sometimes
Take a vitamin daily? Nope, I can’t swallow pills
Wear slippers? Not really 
Wear a bath robe? I just got one for Christmas that I’ve started wearing 
What do you wear to bed? Just comfy clothes
First concert? Avril Lavigne 
Wal-Mart, Target or Kmart? I don’t like Walmart and we don’t have Target or Kmart here really. 
Nike or Adidas? Neither 
Cheetos Or Fritos? Cheetos, but the fluffy kind
Peanuts or Sunflower seeds? Peanuts
Ever hear of the group Tres Bien? Nope
Ever take dance lessons? I took a few weeks of Irish dance
Is there a profession you picture your future spouse doing? I haven’t thought about this at all 
Can you curl your tongue? Nope 
Ever won a spelling bee? Never even been in one 
Have you ever cried because you were so happy? Yup
Own any record albums? Nope 
Own a record player? Nope 
Regularly burn incense? Nope 
Ever been in love? *le shrug* 
Who would you like to see in concert? Already answered
What was the last concert you saw? Halsey and I met her too 
Hot tea or cold tea? Hot 
Tea or coffee? Tea
Sugar or snickerdoodles? Sugar (I don’t like snickerdoodles) 
Can you swim well? Not super well but I can swim
Can you hold your breath without holding your nose? Only for a few seconds
Are you patient? I work with kids so I kinda have to be 
DJ or band, at a wedding? DJ
Ever won a contest? I don’t think so 
Ever have plastic surgery? Nope 
Which are better black or green olives? Green
Can you knit or crochet? Can’t do either
Best room for a fireplace? Family room
Do you want to get married? Yes
If married, how long have you been married? N/A
Who was your HS crush? A boy named Conor 
Do you cry and throw a fit until you get your own way? Not as much any more 
Do you have kids? Don’t have any 
Do you want kids? Yup, I want 5-7 
What’s your favourite colour? Already answered 
Do you miss anyone right now? My stepdad 
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metastation · 7 years
Note
The Clairin Origin Story is delightful and also makes me miss my best friend, my person, whose name happens to be Erin. :) (Tho her first name is Athena and in HS we got called Bethena by teachers and friends.) We met at 15 and didn't click *quite* as immediately as you guys, but soon enough we did and she's been a huge and important part of my life for 26 years. She's in Oregon now, funnily, and I'm a military spouse all over the place. It's hard at times. Maybe I should get her into T100... :)
Aww! You totally should get her into t100! It’s amazing how a TV show can bring even people who are already close even closer. Sharing the big, deep stuff is super important, but making sure to still share littler, just-for-fun things with each other is just as important, tbh!
-Erin
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affordable health insurance under 100 per month
"affordable health insurance under 100 per month
affordable health insurance under 100 per month
BEST ANSWER:  Try this site where you can compare quotes: : http://freeinsurancequotes.xyz/index.html?src=tumblr 
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affordable health insurance under 100 per month
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Republican want to ensure that 45 MILLION Americans have NO Health Insurance part of their 'Family Values'?
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Looking for a online site to get cheap car insurance quote from all carriers at once?
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affordable health insurance under 100 per month
affordable health insurance under 100 per month
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im looking to buy a car but im a 18 yr old male and my insurance will be very high. so im trying to find the cheapest car out there to insure and something good on gas. i know ill probably be paying around 3000 a year. but any ideas?
What health insurance is low cost and fits my description?
Im a 24 year old female, employed, no kids, and not in school anymore. i have no health insurance and i have a lot of health problems but i coudn't afford to get insurance until now. I'm looking for a low cost health insurance with dental care. I've tried looking up different insurance but i dont know what category fits me. I saw theres a student option or something that has to do with ages 18-26 but i dont know what that covers. i have a hard time comprehending the description. Theres one for individuals where you either pay more monthly and get lower deductable or pay less and pay more for deductable. I'm at a total loss. can anyone tell me what is my best option and what insurance should i get?""
So im 18 now and i am currently going to school. Iam trying to find out the cheapest auto insurance out there.?
My parents currently have me under mercuary, but i would like to buy my own insurance. Any suggestions?""
Is the difference between health insurance and car insurance?
that while both are mandated, that the repairs on only one of them are garaunteed by the government. I mean, sure a auto body shop can refuse to fix your car if you don't have the money, but the hospital has to put you back together again, regardless of the bill and your relative ability to pay it.""
Who took over an insurance company?
who now administers insurance policies previously administered by american health and life insurance company of new york
What's the most expensive comprehensive car insurance ever in the U.K.?
What's the most expensive comprehensive car insurance ever in the U.K.?
How much does it cost to go to ER without insurance?
Every once in a while (like every other month), I get dizzy and vomit. If I go to the hospital to diagnose the problem do i go to the ER. And also about how much will it cost me I don't have insurance.""
Best Car Insurance Quotes?
Hi I'm about to turn 18, am female and passed my driving test on Monday. I just bought a car. It's so tedious getting insurance quotes. I've checked all the comparison ...show more""
Car insurance very expensive?
Hi I live in Miami fl and I am currently insured with Estrella insurance part of uaic. My car insurance costs 264 a month. They told me that after 6 months it would go down but I don't think it will go down much. I have a 1994 accord lx 4 door. I don't see why it costs so much for insurance. I just started driving in December but the car is listed under my mothers name with me as a driver and her as the primary. She has been driving about 15 years and has a good record. We have full coverage because the last checked for us and this actually costs less then the lesser coverage for some reason. I was thinking about changing insurance because I think it is overpriced. Can anyone offer any advice? Such as maybe Whether this is actually a normal rate to pay? Or what other insurance I should try out
What is a good low cost health insurance plan for my family?
I am 27 and my wife is 26. I am currently a full time college student and my wife is bartending until I finish school. We have no kids but also not a lot of money. I don't mind ...show more
What is the vehicle code in california that requires automobile insurance?
What is the vehicle code in california that requires automobile insurance?
Do Different Car Insurance Companies Really Have Different Rates?
I keep seeing ads on TV which claim this or that car insurance company is cheapest. Are they really that different, or is this just marketing?""
Should i sell my car and purchase a bike?
My situation is i currently own a car but as usual it just seems to be sucking up all my income. I'm currently a student but i work part time aswel with quite a good income. I need some sort of transport as 2-3 times a week i finish work really early in the morning when public transport is unavailable, work is about 25km away so its not a huge distance. The market value of my car is $8500AUD at the moment which would be more than enough to get a bike and appropriate gear plus rego but would it be any cheaper? On my car i spend $60 on petrol each week plus maintenance costs for the past year have been around $870 including rego and insurance it costs me around $5500 to maintain it each year, would a bike be any cheaper? and is it wort the trade off im spending around 1/4 of my incoming on this car which could be going to more important things.""
Life insurance question?
lets say i want ten policy's worth 750,000 each why would this be a problem as long as u had the money to pay the Premium and you tell each company the truth.....""
Can Hit and Run increase my insurance rate?
I parked my car on the street and found on the next morning that it was hit. If I report this to the insurance company, will my premium get increased? It wasnt really my fault that somebody hit me. I have a perfect driving records and no accidents in the past 6 years.""
Where to get a cheap auto insurance quote?
I just got a car and really need to get it insured so that I may drive it, I am in California btw. thanks.""
Question about first insurance quote for a young driver?
Last week I used autotrader to search for numerous quotes and found one for around 1450. Today I passed my driving test, and went back to the quote but it had to be renewed since last week which is fair enough. The lowest value today was 1576 which I am alright with. I refreshed the page a while later to find that quote had disappeared and the cheapest was 1620, with the company for that quote (elephant) at the bottom with an unable to find a quote detail. I thought it would come back soon, so I refreshed the page and then suddenly the price increased to 2950 minimum and many of the cheaper companies were now listed as unable to find a quote. Strange, but perhaps the websites are too busy to send data. An hour on though and the price is still 2950. Did anyone else have this problem? If so when was it fixed, the same day or next day? Thanks""
Will my car insurance be void?
A few days ago I ran into the back of someone in my dads car. I am insured as a named driver. I am accepting liability but upon looking at our insurance certificate the mileage i said the car would do per year is much less than Its done. Will my insurance check this when the other party claims on my insurance? It was a genuine mistake when purchasing the insurance and I'm worried it may void my insurance when they check. I also find out today that a passenger in the car has a sore shoulder despite it being no faster than 5mph. What happens if my insurance is void and the passenger claims whiplash? Advice greatly appreciated
Help!! i need help picking out car insurance?
Im 20 years old I wokr fulltime and go to school full time. I recently purchased my first car but I cant dirve it off the lot until I have car insurance. I live in michigan which is a no fault insurance state. i was trying to get full coverage on my car. but the lowest quote i found was 450 a month. I only paid 3500 for a 2004 monte carlo ss. I will be paying more in car insurance than i paid for my car. plus I cant really afford to pay 450 a month. I need help. Insurance is a rip off. I cant get on my parents account becasue I was a foster child.
If someone hits me do I file a claim with his insurance company or mine?
on new years eve a man backed into my car, I'm kind of behind and starting to finally get on it, when we called state farm (my company) they said it would make our rates go up because we were filing with them, do I have to call his insurance company or mine? and is there a certain amount of time i have to file a claim?""
Insurance against mental disorders?
Is there any insurance plan that offers income protection on becoming disabled(long-term or short term). In particular disability to work due to a mental disorder.
How old should my vehicle be before I drop collision insurance?
How old should my vehicle be before I drop collision insurance?
Can you answer this about Allstate Insurance commericals ?
Why is there a disclaimer on the Allstate Auto Insurance commericals that says Not available in all states ?
affordable health insurance under 100 per month
affordable health insurance under 100 per month
What is the best life insurance company?
what it the most reptuable life insurance company
What is the best car to buy with cheap insurance for a 17yo? ?
as above, UK only thanks in advance""
What happens to my insurance premium if I stop owning a car for a period of time?
Does it affect my no claims bonus if I already have 6+ years no claims?
What is the cheapest van to insure for a young female driver with 2 yrs ncb?
What is the cheapest van to insure for a young female driver with 2 yrs ncb?
How do you get new home owner's insurance after you were dumped?
Hypothetically speaking, say your home owner's insurance company does NOT renew your policy? How long do you have to find a new company and what if no company will take you on due to too many claims?""
My son-19- is a full time college student.His Ga peach care insurance ends august 3.can he get medicaid?
He is receiving student aid in the form of scholarships and the pell grant for low-income families. I don't want him to be without insurance coverage. His only income is back child support that will end in a few months. What are my choices? Please help. Thank you. I only receive disability income from social security disability.
Can any body tell me what is the lowest online car insurance company?
i have an old car and sometimes i use it but i think i pay too much to insure it $55 a month and it is just liablity insurance and i am looking for an online insurance company that can give me a very low rate
Adjudicated speeding citation: what happens to insurance in Florida?
My parents handle my car insurance (Hartford). Go to college in Miami. Parents also live in Miami. Got my 1st speeding ticket (38 mph in a 30 mph zone), took the class, had the citation adjudicated/cleared. Would rather not have my parents find out. A) Will the insurance show my driving record or citation history to my parents? B) Does Florida law allow ANY charges to insurance after points have been cleared?""
Motorcycle insurance for 125cc?
Hi guys, Just wondering if anyone could help me, I want to get a motorcycle instead of a car - despite what people say I just can't wait to ride to college and back. So I've chosen to get a honda CG 125 which is a decent bike runs from a to b. I'm looking at insurance online and it's around a grand! Is the companies that offer cheap insurance I mean, what's the average price? I'm 18 live in a decent area without much crime - I'm doing my cbt next week and maybe it's fact I haven't been riding (in their eyes) a long time? Any help appreciated!""
What's the average progressive quotes for a young driver between 18 to 24?
What's the average progressive quotes for a young driver between 18 to 24?
Can anyone help me find a source that explains Hourly Cost to Employer for employee's health insurance?
I can't find anything that says how much a year or hour it costs employers to offer health insurance. I'm sure there is a range, but I'd just like to find anything factual that isn't someone's esteemed opinion, saying that Obamacare will save 30% on costs or Obamacare will cost employers Billions. I would like to find some real numbers and come up with my own ideas. Thanks, in advance for your assistance.""
""I am trying to find dental insurance that will pay for braces, Does anyone know of an insurance that will cove""
I am trying to find dental insurance that will pay for braces, Does anyone know of any insurance companies that pay for insurance and dont have a waiting period? If theres a waiting period then how long? I have delta dental and they only cover up to 1000.00""
When can i refinance my car loan ??
i bought a car on June 5th this year ( 200-7-) Now i pay around 425 dollars for it every month , and as per insurance around 198 . i make around 750 dollars a month . i am doing this because i want to be independent from my parents. If i don't start somewhere then i will never be on my own . anyway emotional stuff aside..hehe. When can i refinance my loan , currently it's around 6-7% I think my credit score went high , my equifax is 669 , when i checked right now on creditinform.com. I have chase bank , you think they can lower it ? do you know how much lower they can go ? around 300 maybe? i am goin to take defensive driving class also , i heard that saves a lot of money also on insurance.. Please help , : ) thanks , have a nice day.""
As a sixteen year old guy would a hyundai tiburon jack my insurance?
im about to get my first car. parents are worried that it will jack the insurance because they think it might be a sports car
Can I apply for Health insurance and how?
Im only 17 years old and i no longer want to be under my mom's health insurance because im pregnant. So i was wondering what are my options for health insurance? i have no idea where to begin.
Cheap insurance?
cheap insurance
Do i need car insurance?
well basically i cracked my sideview mirror and the plastic holding it is a little lifted from normal place.. if i went to an auto shop to fix it, would i need car insurance or could i just get it done and pay with cash?""
Cheap sportbike insurance calgary alberta?
Cheap sportbike insurance calgary alberta?
Will my car insurance go down if i go on my parents car insurance?
Im 16 at the moment and i am 17 in a few months and i will be learning to drive. I know car insurance is so high for a 17 year old, but i was wondering if i go on the parents car insurance for a while, will my car insurance go down when i get my own as i have had experience on the road""
How much would Insurance go up with Speeding Ticket?
I'm 17, in Kansas, and I got a speeding ticket for going a 51 in a 40. My dad said that it will cause insurance to go up for the next three years. My ticket cost is $96.00. How much should this cause my insurance to go up? I've never had any violations of any kind before and I have the good student discount, too. Also, what do you recommend I do? Should I just pay the fine and accept whatever happens to my insurance?""
How much more do men pay for car insurance than women?
If a man and a woman are the ame age, same car, clean driving record, both live in the same city, and every other variable is the same. The only difference is their gender how much more would a man pay?""
Do insurance companies insure themselves?
My wife and I were wondering this this morning. If an insurance office is broken in to/has a fire/etc, do they cover themselves?""
Car insurance question?
I just turned 16 and got my driving permit. I would be using my grandmothers car and she has erie insurance. My question is.. Am I allowed to practice driving on the car even without getting insurance? She insists that I'm not allowed to unless I get insurance but everyone else I know does it without. She thinks that I am going to get in a crash because I can't keep my room clean. (wtf?)
Which auto insurance company offers the cheapest price??
were from CA & my sister is a first time driver & she needs a new insurance for her 05 toyota camry. her old car insurance is too expensive. what will u recommend personally? thanks
Can your health insurance company raise your rates after you get sick?
I've heard about pre-existing conditions and all, but what about getting seriously ill AFTER you have insurance? Let's say you're generally healthy, and already have heath insurance which you pay for yourself, at a reasonable rate. Then you get a long term illness, or get into a terrible accident, and need years of expensive care. Of course you keep your policy up to date... Can the company raise your rates by triple (or worse) if you get sick this way?""
affordable health insurance under 100 per month
affordable health insurance under 100 per month
https://www.linkedin.com/pulse/how-much-average-coverage-health-insurance-family-alexander-sharpe/"
0 notes
samuelfields · 6 years
Text
Why Households Need To Earn $300,000 A Year To Live A Middle Class Lifestyle Today
In order to comfortably raise a family in an expensive coastal city like San Francisco or New York, you’ve got to make at least $300,000 a year. You can certainly raise a family earning less as many do, but it won’t be easy if your goal is to save for retirement, save for your child’s education, own your own home instead of rent, and actually retire by a reasonable age.
Although $300,000 is a lot compared to the median household income in the United States of ~$59,000, it’s not an outrageous sum of money once you look at the realistic income statement I’ve put together for this post. All expenses in my example use current prices. I’ve also cross checked the expenses with my family’s monthly expenses to make sure they are within reason.
Finally, I use $300,000 in this post because I believe it is the ideal income for up to a family of four to experience maximum happiness. At $300,000, you aren’t paying an egregious amount in taxes, you probably aren’t killing yourself at work, but you’re still earning enough to live a comfortable lifestyle anywhere in the world.
Half the US population lives on the coasts, therefore, this post is directly targeted at folks who need to live on the coasts because of their jobs. This post should also provide insights to non-coastal city residents on how good you’ve got it if you enjoy living where you are. 
Who Makes $300,000 A Year?
Before we look at the income statement, I’d like to go through a list of various workers who will eventually make ~$300,000 on their own or in household income if they find someone who also works.
* A Bay Area Rapid Transit janitor made $234,000 + $36,000 in benefits in 2016
* A Bay Area Rapid Transit elevator technician made $235,814 + $48,429 in benefits in 2016
* Starting salaries for 22 year old employees at Facebook, Google, and Apple range from ($80,000 – $120,000) + ($10,000 – $50,000) in annual equity grants.
* 30 year old first year Associate in banking earns $150,000 in base salary + ($0 – $120,000) in bonus
* A 26 year old Airbnb employee shared he got a $250,000 total compensation package back in 2015
* A 26 year old first year law associate at a firm like Cravath make $180,000 base + $20,000 sign on bonus. By the end of their 6th year they are making over $300,000.
* A 29 year old Director of Marketing at a startup makes between $120,000 – $180,000.
* A personal finance blogger with 500,000 pageviews earns between $150,000 – $600,000
* A 42 year old college professor at Berkeley makes $235,000 on average and $279,000 at Columbia and NYU
* The average specialist doctor finishing his or her fellowship at 32 makes $300,000. The average salary for a primary care physician is $200,000.
The permutations of people making $300,000 goes on and on. You can have one person make $300,000 and another make $0. You can have a teacher making $65,000 married to a 5th year engineer making $250,000. The amount of households in big coastal cities making $300,000 is ubiquitous.
Living A Middle Class Lifestyle On $300,000 A Year
Please study this chart closely. Every expense has been carefully vetted to give you the most realistic budget possible that’s not out of control.
Gross Income Review
This dual income household puts away the maximum $18,500 a year each in their respective 401(k)s. With the passage of new tax laws in 2018, they’ve lost their ability to deduct more than $10,000 worth of state income and property taxes. As a result, I’ve used the new $24,000 standard deduction for married couples to keep things simple.
They have a marginal federal income tax rate of 24% and a marginal California income tax rate of 9%. I estimate their combined effective tax rate is roughly 27%, +/- 1%, for a tax bill of $64,530. Yes, their total tax bill is $5,530 more a year than today’s median household income, so hopefully folks who earn less can give them some slack.
What’s nice about 2018 and beyond is that this family now gets a $2,000 child tax credit. In the past, the credit began to disappear for married couples who earned more than $110,000 and for single filers with AGI above $75,000. Now, singles and married couples can earn up to $200,000 and $400,000 respectively, before their child tax credit begins to disappear.
Child tax credit income thresholds have risen
Expenses Review
Childcare ($24,000): There’s no getting around this expense if both parents are working. Babysitting and childcare for $20/hour is the standard rate I’ve found in San Francisco. I know some families who only pay $10/hour because they are co-sharing the sitter with another family. Either way, childcare for a baby/toddler before they attend first grade costs between $17 – $40 / hour in a big city.
If the parents decide to send their child to private school, this $24,000 annual expense will continue. It’s a shame that so many expensive coastal cities have troubled public school systems. In San Francisco, there’s a lottery system for the sake of social engineering. In other words, even if you buy a $1.5M median home and pay $20,000 a year in property tax, you are not guaranteed to have your kid get into the public school down the street.
Food ($25,200): When you are a dual job household with a baby, there’s little time to cook. Further, given the family is living in a city like New York or San Francisco, food is world class, and on demand food delivery is ubiquitous. It makes little sense to spend hours cooking when you’re already tired and want to reserve your remaining energy for taking care of your baby. However, food is where this family can cut expenses if they start feeling a little tight.
Mortgage ($46,800): Although the payment is $3,900 a month for a $900,000 mortgage at 3.25%, $2,000 of it goes towards paying down principal and building net worth. Therefore, you can theoretically add $24,000 a year to their $37,000 a year in 401(k) savings. Their $1.5M assessed house is a standard 2,000 sqft, three bedroom, two bathroom home on a 3,000 sqft lot. But this is where the SALT cap deduction really hurts homeowners in expensive real estate markets. In the past, they could have deducted $29,250 of mortgage interest to offset part of their income.  Now this deduction is capped at a maximum $10,000.
Vacation ($7,800): Some will say that spending three weeks of vacation is a luxury, but I say spending three weeks of vacation is normal for two working parents who want to keep their sanity.When I left my job in banking at age 34, I had been taking six weeks of vacation each year for three consecutive years and I took every day I was allowed off. Three weeks had felt too little for me. By law, every country in the EU has at least four weeks of paid vacation days. Meanwhile, Brazil gets 41 paid vacations days a year. Yes, their respective economies might be a mess compared to ours, but at least they are enjoying life!
Car Payment ($7,400): When you have a baby, all you want to do is protect him or her from harm. Even if you are the best driver in the world, one reckless drunk driver might t-bone you one evening. No longer do you feel comfortable driving a compact city car while transporting your family. Instead, you want a larger vehicle that has the highest safety rating. Related: Safety First: Finally Bought A Family Car
Baby/Toddler Things ($6,000): You can spend as little or as much as you want on your baby. But this family buys disposable diapers, not washable diapers, tons of baby proofing material, lots of toys, the best car seat, and two strollers. It’s funny, but one of the best toys for our son is a tissue box.
Entertainment ($6,000): Date night can easily cost $200+ an outing for two once you include tickets to a ball game or a show and transportation. Entertainment also includes the cost of sporting equipment, memberships, Netflix, cable, internet, and more.  If your friends invite you to a weekend getaway, a bachelor or bachelorette party, or a function or two, your entertainment budget will be blown to smithereens.
CPI for all urban consumers has increased by 68% since I graduated from HS in 1995
Final Cash Flow Review
The end result is annual cash flow of only $4,090, which could get spent in a hurry as things always pop up. But overall, this middle class family is building roughly $53,000 in net worth each year through principal pay down and 401(k) savings plus any appreciation in their investments and primary residence.
After 22 years of work with no change in income or expenses, this household will likely amass a net worth of over $2,000,000 and the ability for at least one spouse to retire since their son will have graduated college. However, based on my recommended net worth goal for financial freedom equal to 20X annual expenses, this couple needs to accumulate closer to $3,500,000 to really feel comfortable for both to retire.
2018 Federal Income Tax Rates
After analyzing all the numbers above, the ideal household income to raise a family is $315,000 after deductions. At $315,000 you pay a 24% marginal income tax rate and avoid having to paying a whopping 8% more in federal income tax on each dollar over $315,000. This jump is large compared to the 2% jump from 22% to 24%.
Based on my experience, happiness did not increase for me when I began making over $200,000 as an individual. Happiness did not increase for us when we began making over $300,000 either. Therefore, due to the increase taxes and increase stress, it seems pointless to put yourself through the ringer simply to try and make more from a day job.
However, if this couple were to earn $376,000 and then take the $24,000 standard deduction and contribute $37,000 in their respective 401(k)s to bring taxable income down to $315,000, they would have an additional ~$43,000 in cash flow each year. For financial security and retiring earlier, that’s a nice extra buffer.
Perhaps It’s Time To Move
In order for this household to achieve financial independence, they’ve got to either up their 17% gross savings rate, figure out a way to reduce expenses, or boost income. Since boosting income probably hurts their quality of life, the best way is to reduce expenses. After 10 years of aggressive saving and earning, moving to a lower cost area to work or retire could be the perfect final move.
There’s a moving truck shortage in San Francisco because so many people are moving out of this expensive city. The trend is towards relocating towards the heartland, which is where I’m investing some money. Thanks to technology, there’s no need to grind so hard in cities where the median home price is over $1M. The country is large. Go explore it!
Readers, what do you think is the ideal household income for raising a child in an expensive coastal city? What do you think of this household’s expenses? I estimate that a $300,000 household income is equivalent to roughly $120,000 in a non-coastal city if this helps folks get a better idea of the numbers. 
https://www.financialsamurai.com/wp-content/uploads/2018/03/300000-A-Year-Middle-Class-Lifestyle_Compressed.mp3
The post Why Households Need To Earn $300,000 A Year To Live A Middle Class Lifestyle Today appeared first on Financial Samurai.
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ronaldmrashid · 6 years
Text
Why Households Need To Earn $300,000 A Year To Live A Middle Class Lifestyle Today
In order to comfortably raise a family in an expensive coastal city like San Francisco or New York, you’ve got to make at least $300,000 a year. You can certainly raise a family earning less as many do, but it won’t be easy if your goal is to save for retirement, save for your child’s education, own your own home instead of rent, and actually retire by a reasonable age.
Although $300,000 is a lot compared to the median household income in the United States of ~$59,000, it’s not an outrageous sum of money once you look at the realistic income statement I’ve put together for this post. All expenses in my example use current prices. I’ve also cross checked the expenses with my family’s monthly expenses to make sure they are within reason.
Finally, I use $300,000 in this post because I believe it is the ideal income for up to a family of four to experience maximum happiness. At $300,000, you aren’t paying an egregious amount in taxes, you probably aren’t killing yourself at work, but you’re still earning enough to live a comfortable lifestyle anywhere in the world.
Half the US population lives on the coasts, therefore, this post is directly targeted at folks who need to live on the coasts because of their jobs. This post should also provide insights to non-coastal city residents on how good you’ve got it if you enjoy living where you are. 
Who Makes $300,000 A Year?
Before we look at the income statement, I’d like to go through a list of various workers who will eventually make ~$300,000 on their own or in household income if they find someone who also works.
* A Bay Area Rapid Transit janitor made $234,000 + $36,000 in benefits in 2016
* A Bay Area Rapid Transit elevator technician made $235,814 + $48,429 in benefits in 2016
* Starting salaries for 22 year old employees at Facebook, Google, and Apple range from ($80,000 – $120,000) + ($10,000 – $50,000) in annual equity grants.
* 30 year old first year Associate in banking earns $150,000 in base salary + ($0 – $120,000) in bonus
* A 26 year old Airbnb employee shared he got a $250,000 total compensation package back in 2015
* A 26 year old first year law associate at a firm like Cravath make $180,000 base + $20,000 sign on bonus. By the end of their 6th year they are making over $300,000.
* A 29 year old Director of Marketing at a startup makes between $120,000 – $180,000.
* A personal finance blogger with 500,000 pageviews earns between $150,000 – $600,000
* A 42 year old college professor at Berkeley makes $235,000 on average and $279,000 at Columbia and NYU
* The average specialist doctor finishing his or her fellowship at 32 makes $300,000. The average salary for a primary care physician is $200,000.
The permutations of people making $300,000 goes on and on. You can have one person make $300,000 and another make $0. You can have a teacher making $65,000 married to a 5th year engineer making $250,000. The amount of households in big coastal cities making $300,000 is ubiquitous.
Living A Middle Class Lifestyle On $300,000 A Year
Please study this chart closely. Every expense has been carefully vetted to give you the most realistic budget possible that’s not out of control.
Gross Income Review
This dual income household puts away the maximum $18,500 a year each in their respective 401(k)s. With the passage of new tax laws in 2018, they’ve lost their ability to deduct more than $10,000 worth of state income and property taxes. As a result, I’ve used the new $24,000 standard deduction for married couples to keep things simple.
They have a marginal federal income tax rate of 24% and a marginal California income tax rate of 9%. I estimate their combined effective tax rate is roughly 27%, +/- 1%, for a tax bill of $64,530. Yes, their total tax bill is $5,530 more a year than today’s median household income, so hopefully folks who earn less can give them some slack.
What’s nice about 2018 and beyond is that this family now gets a $2,000 child tax credit. In the past, the credit began to disappear for married couples who earned more than $110,000 and for single filers with AGI above $75,000. Now, singles and married couples can earn up to $200,000 and $400,000 respectively, before their child tax credit begins to disappear.
Child tax credit income thresholds have risen
Expenses Review
Childcare ($24,000): There’s no getting around this expense if both parents are working. Babysitting and childcare for $20/hour is the standard rate I’ve found in San Francisco. I know some families who only pay $10/hour because they are co-sharing the sitter with another family. Either way, childcare for a baby/toddler before they attend first grade costs between $17 – $40 / hour in a big city.
If the parents decide to send their child to private school, this $24,000 annual expense will continue. It’s a shame that so many expensive coastal cities have troubled public school systems. In San Francisco, there’s a lottery system for the sake of social engineering. In other words, even if you buy a $1.5M median home and pay $20,000 a year in property tax, you are not guaranteed to have your kid get into the public school down the street.
Food ($25,200): When you are a dual job household with a baby, there’s little time to cook. Further, given the family is living in a city like New York or San Francisco, food is world class, and on demand food delivery is ubiquitous. It makes little sense to spend hours cooking when you’re already tired and want to reserve your remaining energy for taking care of your baby. However, food is where this family can cut expenses if they start feeling a little tight.
Mortgage ($46,800): Although the payment is $3,900 a month for a $900,000 mortgage at 3.25%, $2,000 of it goes towards paying down principal and building net worth. Therefore, you can theoretically add $24,000 a year to their $37,000 a year in 401(k) savings. Their $1.5M assessed house is a standard 2,000 sqft, three bedroom, two bathroom home on a 3,000 sqft lot. But this is where the SALT cap deduction really hurts homeowners in expensive real estate markets. In the past, they could have deducted $29,250 of mortgage interest to offset part of their income.  Now this deduction is capped at a maximum $10,000.
Vacation ($7,800): Some will say that spending three weeks of vacation is a luxury, but I say spending three weeks of vacation is normal for two working parents who want to keep their sanity.When I left my job in banking at age 34, I had been taking six weeks of vacation each year for three consecutive years and I took every day I was allowed off. Three weeks had felt too little for me. By law, every country in the EU has at least four weeks of paid vacation days. Meanwhile, Brazil gets 41 paid vacations days a year. Yes, their respective economies might be a mess compared to ours, but at least they are enjoying life!
Car Payment ($7,400): When you have a baby, all you want to do is protect him or her from harm. Even if you are the best driver in the world, one reckless drunk driver might t-bone you one evening. No longer do you feel comfortable driving a compact city car while transporting your family. Instead, you want a larger vehicle that has the highest safety rating. Related: Safety First: Finally Bought A Family Car
Baby/Toddler Things ($6,000): You can spend as little or as much as you want on your baby. But this family buys disposable diapers, not washable diapers, tons of baby proofing material, lots of toys, the best car seat, and two strollers. It’s funny, but one of the best toys for our son is a tissue box.
Entertainment ($6,000): Date night can easily cost $200+ an outing for two once you include tickets to a ball game or a show and transportation. Entertainment also includes the cost of sporting equipment, memberships, Netflix, cable, internet, and more.  If your friends invite you to a weekend getaway, a bachelor or bachelorette party, or a function or two, your entertainment budget will be blown to smithereens.
CPI for all urban consumers has increased by 68% since I graduated from HS in 1995
Final Cash Flow Review
The end result is annual cash flow of only $4,090, which could get spent in a hurry as things always pop up. But overall, this middle class family is building roughly $53,000 in net worth each year through principal pay down and 401(k) savings plus any appreciation in their investments and primary residence.
After 22 years of work with no change in income or expenses, this household will likely amass a net worth of over $2,000,000 and the ability for at least one spouse to retire since their son will have graduated college. However, based on my recommended net worth goal for financial freedom equal to 20X annual expenses, this couple needs to accumulate closer to $3,500,000 to really feel comfortable for both to retire.
2018 Federal Income Tax Rates
After analyzing all the numbers above, the ideal household income to raise a family is $315,000 after deductions. At $315,000 you pay a 24% marginal income tax rate and avoid having to paying a whopping 8% more in federal income tax on each dollar over $315,000. This jump is large compared to the 2% jump from 22% to 24%.
Based on my experience, happiness did not increase for me when I began making over $200,000 as an individual. Happiness did not increase for us when we began making over $300,000 either. Therefore, due to the increase taxes and increase stress, it seems pointless to put yourself through the ringer simply to try and make more from a day job.
However, if this couple were to earn $376,000 and then take the $24,000 standard deduction and contribute $37,000 in their respective 401(k)s to bring taxable income down to $315,000, they would have an additional ~$43,000 in cash flow each year. For financial security and retiring earlier, that’s a nice extra buffer.
Perhaps It’s Time To Move
In order for this household to achieve financial independence, they’ve got to either up their 17% gross savings rate, figure out a way to reduce expenses, or boost income. Since boosting income probably hurts their quality of life, the best way is to reduce expenses. After 10 years of aggressive saving and earning, moving to a lower cost area to work or retire could be the perfect final move.
There’s a moving truck shortage in San Francisco because so many people are moving out of this expensive city. The trend is towards relocating towards the heartland, which is where I’m investing some money. Thanks to technology, there’s no need to grind so hard in cities where the median home price is over $1M. The country is large. Go explore it!
Readers, what do you think is the ideal household income for raising a child in an expensive coastal city? What do you think of this household’s expenses? I estimate that a $300,000 household income is equivalent to roughly $120,000 in a non-coastal city if this helps folks get a better idea of the numbers. 
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