interesting dollar

What I wish I knew in High School:

Adult here. Write this down. If you have a weird hobby and your parents have said that you should quit because it’s not “marketable,” consider that there are real people, some of whom I know personally, with the following jobs that make real cash money:

Science writer (me)
Cosplay and prop maker
Stuffed animal designer
Dog artist
Political activist for LGBTQ rights
Political activist for affordable housing
Music licenser
Fan video mixer
Bone cleaner
Sports photographer
Digital hat maker

not sure if i want kids, for the sole reason that caring for another person (especially a young one) is expensive and I’m reluctant to spend money on even my own needs and wants most of the time

idc if it’s selfish, i just hate spending money on anything

Quick and Dirty Adulting Guide: Financials Edition

Money is really hard. Especially because we’re not taught how to handle it on a personal level in school. But here’s some tips from my personal experience that might help you too.

Debit:

  1. Make a budget. Even if you live on $150 a month and get your food from the cafeteria and live on campus. Decide how much you want to spend a week on going out with friends, and put the rest in savings. Tools like Mint (which is free) and YNAB (which is free to students) can both really help. If you have bills to pay, prioritize those first. Then break down the rest oft of your money on a week to week basis.
  2. Put money into savings. Pick a set amount that you put into your savings account every time you get paid. That money is for emergencies, like the next time you get strep and wind up in the doctors office. Or if you do fuck up and need twenty bucks to buy a weeks worth of groceries. I find it helpful to have two separate savings accounts; one that I never touch, and one that I pull money from in the event of an emergency (or if I really want to go out with friends and am hella broke).
  3. Go on a spending freeze for a month. Pick a month where you’re only going to spend money on groceries and bills and other necessities. This helps you jump start your savings, and it helps you become aware of how often you eat out, buy things, etc. 

Credit:

  1. Figure out what credit is. It’s basically money that’s on loan to you from the bank, that you pay back with interest. This interest is what builds your credit, and helps you have a good credit score. It’s especially important for students who have taken out loans to start building credit, because a student loan is bad credit. You need to counter it with a good credit score on a credit card.
  2. Decide how you’re going to use it. The two most common plans I’ve heard are (1) Using it for a big thing every month and not touching it until the next month. Personally, I use my credit card to buy my MTA pass each month. Sometimes I remember to stick it somewhere and not touch it, sometimes it ends up in my wallet and I use it for a few other things as the month goes on. (2) Buy one small thing with it each day. I have several friends who use it to buy a cup of coffee each morning, and then they don’t touch it. 
  3. Remember interest. The biggest mistake you can make is using a credit card like a debit card. When you have a credit card a little bit extra gets tacked on to your total. If you pay 15% interest, each dollar you spend actually costs you $1.15. If you go to target and spend $30, you’re actually paying $34.50, almost five dollars more than your original total. 

Who’d have thought that the flower crown business would be a little temperamental? Well, it turned out that once the novelty had worn off, not that many people were interested in paying five dollars for a glorified daisy chain. Not that Bertie didn’t like them. He’d been enjoying the opportunity to prance around in them. With the lull of customers, everyone else on the stand had decided to go and enjoy the festival which left Bertie stood alone. There was already an abundance of flower crowns pre-made so Bertie didn’t have much to do and decided to entertain himself with humming to the music from nearby, dancing a little. Nobody was really looking and he was a little lost in his own head. 

So much so that he didn’t notice when someone approached the stand. He flushed red when he finally saw someone waiting, fumbling slightly. It wasn’t that he didn’t think he was out of sight, it was that he didn’t think anybody was watching and he was just waiting to be mocked for it. “Oh, hey, sorry,” he said quickly, pretending that he was adjusting some of the flowers, moving the crowns from one side of the counter to the other.

“Uhm, what can I do for you?”

pleahy97  asked:

What do you think of Clint Eastwood?

I wish I had an interesting answer, but I have barely seen many of his movies. I liked Gran Torino and thought his cranky character was quite believable even if that movie laid the Christ motifs on thick. I’ve seen Where Eagles Dare, but I don’t remember any standout performances from anybody in that otherwise enjoyable movie. I remember enjoying Play Misty for Me when I saw it at the university movie club several years ago. I’ve seen parts of Paint Your Wagon… he’s borderline a better singer than Lee Marvin, I guess. So I feel I haven’t seen Eastwood at his best advantage or in his juiciest roles. I am interested in seeing the Dollars trilogy and the Dirty Harry films. My dad particularly loves the Dirty Harry films and he quotes them a lot.

Random Facts

1. Rubber bands last longer when refrigerated.

2. Peanuts are one of the ingredients of dynamite.

3. There are 293 ways to make change for a dollar.

4. The average person’s left hand does 56% of the typing.

5. A shark is the only fish that can blink with both eyes.

6. There are more chickens than people in the world.

7. Two-thirds of the world’s eggplant is grown in New Jersey.

8. The longest one-syllable word in the English language is Screeched.

9. On a Canadian two dollar bill, the flag flying over the Parliament buildings is an American flag. (Though the bill’s now been replaced by a $2 coin!)

10. All of the clocks in the movie “Pulp Fiction” are stuck on 4:20.

11. No word in the English language rhymes with month, orange, silver, or purple.

12. “Dreamt” is the only English word that ends in the letters “mt”.

13. All 50 states are listed across the top of the Lincoln Memorial on the back of the $5 bill.

14. Almonds are a member of the peach family.

15. Winston Churchill was born in a ladies’ room during a dance.

16. Maine is the only state whose name is just one syllable.

17. There are only four words in the English language which end in "dous": tremendous, horrendous, stupendous, and hazardous.

18. Los Angeles’ full name is “El Pueblo de Nuestra Senora la Reina de los Angeles de Porciuncula”

~Author Unknown~

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SN: reminiscent of Boston’s Big Dig, the following is a bold proposal to reconnect neighborhoods and shared waterfront divided by an expressway designed by an infamous, car loving NYC city planner. Can the funds be allocated to such a project will remain the question with many local, state and federal interests and dollars in play.

Brooklynites want to fix the Gowanus Expressway—by burying it

A group of Brooklynites who came close to securing a $10 billion infrastructure project by suing the Federal Highway Administration in the late ‘90s is quietly reuniting. Their plan is to revive a proposal they say will transform the southwest corner of the borough by burying 6 miles of the Gowanus Expressway, a widely reviled stretch of the BQE that runs from the Brooklyn Battery Tunnel to the Verrazano-Narrows Bridge.

Backers of the plan argue that the time is ripe to fix this notorious traffic bottleneck, reduce pollution and knit together waterfront neighborhoods isolated for decades by the aging highway.

Burying the Gowanus won’t come cheap with a price tag around $20 billion. As such, many planning experts say the only way to justify the Gowanus project would be to toll the tunnel and make the ultimate goal a complete redevelopment of the waterfront neighborhoods that surround it.

“You don’t do something like this without trying to create better connectivity, access and ultimately making [the waterfront] much more attractive for redevelopment,” said Richard Barone, vice president for transportation at the Regional Plan Association, the organization that originally conceived of the tunnel idea in the 1990s.

Unfortunately, backers of any major infrastructure project, the Gowanus tunnel included, face a far more systemic problem. In New York and the entire tristate region, many transit improvements are born out of disasters or accidents, not thoughtful, long-term planning.

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Let’s be real. I was killing it today.