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Title: Apprivoisé Author: orphan_account Rating: General Audiences Warnings: None Apply Completed: Yes Word count: 5305 Summary: Qu'est-ce
que signifie “ apprivoiser ” ? || Ça signifie “ créer des
liens… ” Nyx: Bitty overhears Jack speaking French
with his dad, hears something interesting, and everything snowballs from there.
memorable line: “JUSTIN!” Holster hollers,
sprinting upstairs, towel firmly in hand. “You aren’t allowed on
the roof without at least six hours of sleep!”
Rating: Teen Word Count: 13,037 Type: Non-magic!AU, Modern!AU
Summary: Padfoot and Moony meet over mutual follows on Tumblr. Remus, the blind student, hires Sirius, the fallen Aristocrat, to be a reader for his classes. They fall in love in separate ways, and fall apart. Then fall together. Their love is almost as ridiculous as they are.
Comments: Ahhhhhh it’s so fucking perfect. The witty dialogue, the ridiculous amount of pining, the fact that they meet on Tumblr. It’s all just too cute; I can’t even handle it. Definitely going to be reading the rest of the Tumblr Trash series.
Hey, how often do you think about being an old person? As someone with a deep, persistent fear of dying alone and penniless, I think about this a lot. I can solve the “alone” part with a lot of cats, but the “penniless” part is a little trickier. I can’t count on the fact that I’ll be able to work forever, and as a freelancer I don’t have a pension or an employer’s 401k plan to sustain me. I’m CERTAINLY not counting on Social Security to bail me out, and neither should you.
This is where Individual Retirement Savings (IRAs) come in! I haven’t seen much advice about this geared towards artists, so I thought I’d write a post about it. You can start saving at any age for your future comfort and happiness, and there’s no blood sacrifice or mystic knowledge required! What is required is a basic understanding of how IRAs work, and the willingness to sign up for one and start saving. If you are earning money, don’t have a retirement savings account, and can spare a chunk of cash each year, start now!
So, the basics:
There are few different kinds of IRA, but for simplicity’s sake I’m mostly focusing on Traditional IRAs and Roth IRAs. Each IRA has the same goal, to allow you to save money for retirement, and to let your money to grow tax-free in the time in-between. You can set one up for yourself so long as you (or your spouse) have earned income.
What makes IRAs different from a regular savings account? IRAs can generate a lot more earnings over time because you don’t pay taxes every year!
IRAs are typically composed of investments (in mutual funds, stocks, bonds, etc.) so your gains will fluctuate year to year depending on the financial landscape and the kind of investments made–but you can expect to earn around 7% over the long-run, which is way better than the average savings account interest rate of 0.06%. That’s not to say that a savings account is bad. If you have a savings account, THAT’S GREAT. If you have extra savings and you’re willing to wait 30 or so years to take it out, open an IRA to take advantage of the higher growth potential!
You can open an IRA through most large financial institutions–banks, mutual fund companies, and brokerage firms, any of which can offer a variety of investment options. The fees and fee structure for each institution can vary however, so it’s good to compare. (You can start by searching on google for “where to open a Roth IRA” or “where to open a Traditional IRA”)
TRADITIONAL & ROTH IRA, COMPARE & CONTRAST
Who can contribute to an IRA?
In a Traditional IRA, anyone with earned income of any amount can contribute, but you must be younger than 70 ½. In a Roth IRA, you can be any age, but you must have a modified adjusted gross income of less than $131,000 if you’re single, or a modified adjusted gross income of less than $193,000 if you’re married filing jointly.
How much can you contribute per year?
In both plans, you can contribute up to $5,500 each year, or up to $6,500 if you’re age 50 or older. You don’t have to contribute the max amount, and you don’t have to contribute every year. The max amount is increased every so often so it’s a good idea to check into the current maximum contributions allowed (just google “maximum IRA contribution”)
What’s the deal with taxes??
The big difference between Traditional IRAs and Roth IRAs is when your money gets taxed. With a Traditional IRA, when you CONTRIBUTE money you don’t have to pay taxes on it, but when you WITHDRAW money you have to pay income tax on it at that time.
In a Roth IRA it’s the opposite–when you CONTRIBUTE your money you pay taxes on it, and when you WITHDRAW the money it is entirely tax-free.
Simplistically, this means that if you are currently in a high tax bracket and think you will be in a lower tax bracket by the time you retire, a Traditional IRA may save you more money. If you are in a low tax bracket right now and anticipate that by the time you retire your income taxes will be higher, the Roth IRA will be a better fit. You can also have retirement savings in both kinds of accounts (though your total contribution per year still maxes out at $5,500/$6,500), and/or roll over one kind of account into another down the line.
One big tax caveat: If you or your spouse have the ability to contribute
to an employer sponsored retirement plan (i.e. 401k) you can still
contribute to a Traditional IRA, but depending on your income level you may not get
the tax deduction. This is referred to as a “non-deductible IRA contribution”, and it affects “pre-tax” IRA accounts, like Traditional IRAs. Employer sponsored retirement plans have no effect on your contributions to a Roth IRA account though!!
There’s a 10% penalty if you withdraw money from your IRA account at the wrong time. So WHEN can you withdraw your money without penalty?
In a Traditional IRA, you can start withdrawing your money at the age of 59 ½, and MUST start taking minimum withdrawals at age 70 ½. (I don’t know why the half-numbers are important, but them’s the facts!)
In a Roth IRA, there are no mandatory withdrawals, and you can start withdrawing your money at the age of 59 ½ – if your withdrawal is at least 5 years after your first contribution was made. (So, if you start contributing to a Roth IRA at age 56, you wouldn’t be able to withdraw your earnings without a penalty before the age of 61. This isn’t an issue if you start earlier!)
Roth IRA BONUS: Roths allow you to withdraw your previous contributions at ANY TIME without penalty, provided you don’t take out the interest your contributions earned. (So if you contribute $10,000 over time and your Roth IRA earns an additional $8,000 in interest for a total of $18,000 in your account, you can still withdraw that original $10,000 at any time, no matter when or what age you are)
SO WHAT DOES THIS MEAN FOR YOU??
It means that young freelancers are in an ideal situation to start contributing to a Roth IRA account. If you are just starting working, it’s likely that you are in a lower tax bracket right now than you will be later, so Roth IRAs can be very beneficial. The longer you have your money in a retirement savings account, the more time it has to grow–$5,500 a year may sound like a lot to contribute at first, but you don’t have to contribute the full amount and you don’t have to contribute every year. If you can only contribute $1,000 a year, contributing ANYTHING is better than nothing, as long as you start sooner rather than later. Also, because Roth accounts let you withdraw your original contributions at any time, if you find you need to use some of that money for an unexpected expense you can always take it out without penalty.
ONE !!!IMPORTANT!!! CONSIDERATION:
There is MONETARY RISK involved in contributing to any IRA. Since all IRAs are investments and investments can fluctuate, there may be some years where your account experiences losses instead of gains. Sometimes there may be less money in the account than what you contributed. This is to be expected, and the longer you are able to let your account grow the greater your overall gain will be, despite any fluctuations along the road. This is another reason why starting as soon as possible is best.
Other situations to consider: If you already have a 401k account from an employer, you can also open your own IRA in addition. If your employer matches your 401k contributions, do that first–that’s free money! If you max out your employer contributions and want to contribute more, you can put the rest in your own IRA (but it may be considered a “non-deductible/after-tax contribution”. See “One big tax caveat” above)
If you are self-employed (or a small business owner) and you would like to contribute more than $5,500 each year to an IRA, consider the SEP IRA. The SEP IRA functions very similarly to a Traditional IRA, but you can make higher yearly contributions–up to $53,000 per year! There are other rules that govern this, though.
THE BOTTOM LINE:
Artists, if your cost of living can support it, start a retirement savings account now if you don’t have one already. It’s the best thing you can do for your future-self.
Full disclosure:I’m an artist, not a “wealth management professional” and if you have any questions about retirement savings accounts you should talk to qualified persons. I’m just scratching the surface here–I speak only from my own experience & simplified understanding. I’m happy to have a Roth IRA account with Morgan Stanley/Smith Barney and have been contributing since college, my uncle works there and is my financial adviser. I wrote this because I have seen very little income-allocation advice geared towards artists, and I feel fortunate to have benefited from my parents’ and uncle’s experience. Contributing a little bit to your future security is easier than you may think.
Read some interesting articles today. One said Flash was #5 of the most popular shows of 2016 - that is of all shows on all networks. Taking into account ratings but also peer-to-peer sharing, social media chatter, etc. The article said it was averaging 3.1 MILLION demand expressions PER DAY.
The next article was about how CW is focusing more on streaming than worrying about trying to compete traditionally with the larger networks. And how profitable their new strategy has been for them. Their deal with Netflix last year for their four superhero shows supposedly made them an estimated $1 BILLION. (Incidentally, it looks like Arrow and Flash were getting the most views when on Hulu, so these two shows were likely the main reasons for that figure.)
Aaaanyway…pretty interesting stuff. And since Flash also was in the list of top 20 shows to pick up audience on streaming per an article I remember someone posting a few months ago…
Well, any time someone who hates Iris or Westallen starts talking about how the show is tanking in ratings and failing and it means they will have to switch tactics or they’ll be cancelled…here is (more) good reason to laugh at that nonsense.
I mean, beyond the fact it’s still #1 in traditional ratings on the network, of course.
Title: Menteur Author: orphan_account Rating: General Audiences Warnings: None Apply Completed: Yes Word count: 5820 Summary: “Zack
Jimmermann!” Bitty crows. “You are a gem.” || menteur (n.) - un qui ne dit pas
memorable line: “I’m not sure if I’ll be ready for a
wedding by January, man, but I’ll be careful peeling all my apples from now on,
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“Sometimes I wonder whether you’d be better off without me. Whether you really need me at all.”
Taehyung has always doubted his necessity to the group, as well as to Jungkook. Usually a knock on the head would suffice to bring him back to his senses. But this time, it seems someone was listening to his request. Now, everything has changed. He’s in a world where Jungkook and the rest of the group are still famous, but he isn’t.
this is all taehyung’s fault. jeongguk just wanted to watch anime, and now suddenly he’s helping a hot crying boy get revenge on his ex boyfriend.
‘i came to this club looking for a one night stand and you were crying about your ex boyfriend so i though you’d be an easy lay but you’re telling me what he did to you and wow i had no idea people could be such assholes and i’m kind of disgusted with myself.’ au
Warnings: Creator Chose Not To Use Archive Warnings
Tags: Enemies to Friends to Lovers, Implied/Referenced Torture, Letter, Messenger Birds
Chapters, Word Count: 6/6, 16668
Summary: Loki has been imprisoned again in Asgard, no visitors allowed but his brother. Tony hears about this through the grapevine and decides to shoot ol’ Reindeer Games a letter, just to rub it in a little. To his surprise, Loki actually writes back, just as biting and acidic.
Thoughts: aaaaaaAAAAAAAAAAAA this was amazing and slightly heartbreaking in the best of ways.
I urge people to make an IMDB account or watch with Hulu accounts or on ABC. If you make an IMDB account please rate Still Star-Crossed and it’s episodes highly because it keeps getting poor ratings! Please I don’t want this show to fail! Help get a second season!