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#RealShit genuine love is scarce outchea its Plenty #Lust no #RealLoce doe😣😘👍💏😋

This dude asked me last night “ms lady you want to fall asleep or fall in love?” To which I responded by saying I want to fall in love because sharing love with that someone will remind me that my life is a dream only made better when I realize I can wake up to a reality so beautiful I’d go the rest of my life without sleep if it means sharing it with him everyday! #FromThePinpointOfMyMind #OnTheFly #PoetryOfTheDay #Poetry #WordPlay #realLoce (Created with @tweegram app) (at Uncle Vernon’s House)

niallschestrug replied to your post: …………………

what has happened?

louisxxiii replied to your post: …………………

Wait why??

I don’t want to alarm anyone yet. I might be panicking for nothing. They reallocated my seats for the Sheffield shows due to “changes in production” and I have no idea what the new seating looks like but it appears I have gone from row 17 to row 30 for the first night and who knows yet for the final otra show they haven’t given me new seats yet. I’m just sitting here taking deep breaths waiting on them to reply to me and hoping they didn’t just fuck me over after I spent $1200 on these tickets.

apathetic-activist asked:

I think government spending needs to be reallocated (less to the military, more to important stuff like the education system, etc)

What? Aren’t you a libertarian? Wouldn’t you want to get rid of the education system or decrease funding?

senjukannon asked:

People who are totally inflexible about their NO VOTING!! rule are the type who get so fucking caught up on black-or-white/right or wrong/No Grey Areas Allowed ideologies that they refuse to recognize that if something gets shit done, sometimes it's worth doing. Sometimes voting does that - sometimes. Sometimes it doesn't. If you're gonna be so goddamn dogmatic about total non-participation (arguably impossible to begin with) that you hold actual progress back, then you're presenting a problem.

The subjectivity around what qualifies as “working” and “not working” is enormous though. A local vote for police cameras to some reformists might qualify as “working” if it means creating police accountability, but for abolitionists it might qualify as “not working” if that accountability process can be utilized against the community and/or those funds can be reallocated to further police the already terrorized, embedding police further. Voting on a national level is fraught with this sort of subjectivity but people feel very strongly and nuanced conversations that contextualize our frame of references are rare. I get what you’re saying though.

R不動産の移住マガジン「real local」に取材していただきました。



#reallocal #大山崎COFFEEROASTERS #oyamazakicoffeeroasters (Oyamazaki Coffee Roasters)

Sources confirmed that the energy homophobes normally spent discriminating against gays will likely be reallocated to further holding down African Americans, Hispanics, women, and transgender individuals.
—  The Onion, Nation’s Homophobic Bigots Pack It In (x)
Why Don’t the Poor Rise Up?
Is it because the idea of the collective good has given way to ‘individualization’? Whatever happened to e pluribus unum?
By Thomas B. Edsall

Insofar as individualization has taken hold in the United States, the prospects for collective action on behalf of the poor are dim, at best.

Collective action on behalf of the poor requires a shared belief in the obligation of the state to secure the well-being of the citizenry. That belief has been undermined by what Beck calls the “insourcing” of risk, transferring obligations from the state to the individual. This reallocation of responsibility has been studied from various angles.

In his book “The Great Risk Shift,” Jacob Hacker, a political scientist at Yale, joins the argument by documenting the economic pressures on individuals resulting from the widespread erosion of social insurance. “For decades, Americans and their government upheld a powerful set of ideals that combined a commitment to economic security with a faith in economic opportunity,” Hacker writes. “Today that message is starkly different: You are on your own.”

anonymous asked:

You know, I messaged you nicely and you attacked me. I am not clueless, nor selfish. It will take a lot of extra money that we don't have to get this into place. Did I ever say poor people didn't work their butts off? No, I didn't. God, it's like some people can't have a political debate without bringing personal insults and attacks into it. I was just pointing out the pitfalls to his plan. There was absolutely no need to be rude.

OMG, it’s not extra money. It’s a reallocation of money that already exists. FFS.

Your points are tired and frankly, due to massive oversaturation on the topic, anymore I unabashedly have no respect for people that ONLY whine about taxes. And yes, every fucking person who sings a tune like you do is going to get called selfish and clueless by me. 

You don’t want your government to pay for anything good in your country? There are lots of places that do a much better job of that than here. But they’re only good to live in if you have a private army. The point behind paying for distributed services is that EVERYONE IN SOCIETY BENEFITS, EVEN THE WHINERS AT THE TOP WHO OHMYFUCKINGGOD MAY HAVE TO CUT BACK ON SOME PERSONAL LUXURIES SO THAT MAYBE OTHER PEOPLE DON’T YOU KNOW DIE.

My entire 401(k) is in bonds – how should I reallocate the money?

Dennis emailed: I have a 401(k) that I need to redistribute. Before the 2008 crash I moved the whole package into Treasury bonds, and it is still all there. I need to reallocate it to better investments before interest rates change. I am 60 and I don’t want to take much risk with the new investments. I plan to work until 70 to maximize Social Security. I contribute the maximum amount to capitalize on the employer contribution each year. How should I reallocate these funds?

Sadly, you missed out on some pretty sweet stock market gains since the 2008 financial crisis. But let’s look forward. If your 401(k) plan offers target-date funds – and most do – it’s a good option for you, says Mary McGrath, certified financial planner and CPA with Cozad Asset Management. Move into a target-date fund around 2025 and forget about it.

Keep reading


  • Save your loose change. Putting aside fifty cents a day over the course of a year will allow you to save nearly 40% of a $500 emergency fund.
  • Keep track of your spending. At least once a month, use credit card, checking, and other records to review what you’ve purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account.
  • Never purchase expensive items on impulse. Think over each expensive purchase for at least 24 hours. Acting on this principle will mean you have far fewer regrets about impulse purchases, and far more money for emergency savings.
  • Use debit and credit cards prudently. To minimize interest charges, try to limit credit card purchases to those you can pay off in full at the end of the month. If you use a debit card, don’t rely on an overdraft feature to spend money you don’t have. With either approach, you’ll have more money available for emergency savings.
  • Are you looking for an effective way to establish a budget? Beginning on the first day of a new month, get a receipt for everything you purchase. Stack and review receipts at the end of the month, and you will clearly be able to see where your money is going.
  • It pays to practice preventative dental care, since a good cleaning routine helps prevent fillings, root canals, and dental crowns, which are expensive and no fun.
  • Most people don’t track what they spend and may not realize when expenses add up to more than their budget can handle. To keep track of what you spend, put what you think you should spend for the month on transportation, food, entertainment, etc., into envelopes. This will help you avoid buying things you don’t need, and what’s left over can go into saving.
  • Take advantage of discounts and/or incentive programs provided through your employer. For example, if the company you work for offers discounted rates for computers, fitness center memberships, movie tickets and passes to summer festivals, take advantage! Check your corporate intranet or talk to your human resources representative. And don’t forget the best deal of all – investing in your 401(k)!
  • One way to establish a savings discipline is to “save” an amount equal to whatever is spent on nonessential indulgences. Put a matching amount in a cookie jar for expenditures for beer, wine, cigarettes, designer coffee, etc. If you can’t afford to save the matching amount, you can’t afford the $4 super almond low-fat latte.
  • Take the amount the item costs and divide it into your hourly wage. If it’s a $50 pair of shoes and you make $10 an hour, ask yourself, are those shoes really worth five long hours of work? It helps keep things in perspective.
  • Aim for short-term savings goals, such as setting aside $20 a week or month rather than long term savings goals, such as $200 over a year. People save more successfully when they keep the short-term goal in sight.
  • Save money by buying items online, in bulk. Some companies even offer free shipping on large orders. Clearance items are sometimes available, and good savings can be found on non-perishable groceries and diapers. This saves time and money!


  • Substitute coffee for expensive coffee drinks. The $2 a day you could well save by buying a coffee rather than a cappuccino or latte would allow you, over the course of a year, to completely fund a $500 emergency fund.
  • Bring lunch to work. If buying lunch at work costs $5, but making lunch at home costs only $2.50, then in a year, you could afford to create a $500 emergency fund and still have money left over.
  • Eat out one fewer time each month. If it costs you $25 to eat out, but only $5 to eat in, then the $20 you save each month allows you to almost completely fund a $500 emergency savings account.
  • Shop for food with a list and stick to it. People who do food shopping with a list, and buy little else, spend much less money than those who decide what to buy when they get to the food market. The annual savings could easily be hundreds of dollars.


  • Avoid bouncing checks or overdraft fees each month. The $20-30 you save by not bouncing a check each month would save you enough money to nearly fully fund a $500 emergency savings account.
  • Reduce credit card debt by $1,000. That $1,000 debt reduction will probably save you $150-200 a year, and much more if you’re paying penalty rates of 20-30%.
  • Make your monthly credit card payment on time. The $30-35 you save by not being charged a late fee each month on one card would save you most of the money you need for $500 in emergency savings
  • Use only the ATMs of your bank or credit union. Using the ATM of another financial institution once a week could well cost you $3 a withdrawal, or more than $150 over the course of a year.


  • Keep your car engine tuned and its tires inflated to their proper pressure. Doing both can save you up to $100 a year in gas.
  • Shop around for gas. Comparing prices at different stations and using the lowest-octane (recommended by the car owner’s manual) can save you hundreds of dollars a year.
  • When driving, avoid fast start-ups and stops. Over time, you will save hundreds of dollars on lower gas and maintenance costs.
  • Take fewer cab rides. Using public transit instead of cabs can save you $5-10 per trip or more. If you’re a frequent cab user, the savings could complete ly fund your emergency savings account.
  • Check all airlines for cheap fares. Since no website lists all discount carriers, also check out the websites of discount carriers like Southwest and Jet Blue, possibly saving you hundreds of dollars.


  • Don’t pay for space you don’t need. Americans have relatively large houses and apartments. Think about more efficiently using space so you can purchase or rent less square footage.
  • Live relatively near your workplace. While this isn’t always possible, driving 5,000 miles less a year can lower transportation costs by more than $1,000.
  • Refinance your mortgage to lower interest charges. Consider refinancing your mortgage to lower the rate and term. On a 15-year $100,000 fixed-rate mortgage, lowering the rate from 7% to 6.5% can save you more than $5,000 in interest charges over the life of the loan. For each $100,000 you borrow at a 7% rate, you will pay over $75,000 less in interest on a 15-year than a 30-year fixed rate mortgage. And, you will accumulate home equity more rapidly, thus increasing your ability to cover large emergency expenditures.
  • Choose home repair contractors wisely. Favor contractors who have successfully performed work for people you know. Insist on a written, fixed-price bid. Don’t make full payment until satisfactory completion of the work.

Home Heating and Cooling

  • Ask your local electric or gas utility for a free or low-cost home energy audit. The audit may reveal inexpensive ways to reduce home heating and cooling costs by hundreds of dollars a year. Keep in mind that a payback period of less than three years, or even five years, usually will save you lots of money in the long-term.
  • Weatherproof your home. Caulk holes and cracks that let warm air escape in the winter and cold air escape in the summer. Your local hardware store has materials, and quite possibly useful advice, about inexpensively stopping unwanted heat or cooling loss.
  • Use window coverings to block or let in sunshine. In summer, use these coverings to block sunlight, keeping your house cool. In winter, open the coverings to let sunshine warm the house. You could easily save more than $100 annually while being more comfortable.


  • Look for sales at discount outlets. There are huge price differences between clothing on sale at discount stores and that sold regularly at many department and specialty stores, though keep in mind that prices at the latter are often deeply discounted.
  • Consider purchasing previously-used clothes from Good Will, second-hand stores, or school or church thrift sales. With a little effort, you can find low-priced, high-quality used clothing items that can be worn for many years.
  • Assess clothing in terms of quality as well as price. An inexpensive shirt or coat is a poor bargain if it wears out in less than a year. Consider fabric, stitching, washability, and other quality related factors in your selection of clothes.
  • Clean clothes inexpensively. Wash and iron clothes yourself. If you use a cleaner, compare prices at different establishments. A 50 cent difference in cleaning a shirt, for example, can add up to $100 a year.


  • Assess your communications costs. As Internet and wireless use grows, many consumers are overpaying for unneeded communications capacity. For example, if you have a cell phone and two phone lines – one for your computer – consider receiving personal calls on your cell phone so you can give up one of the phone lines.
  • Communicate by e-mail rather than by phone. If you’re on-line, e-mail communications are virtually free. Even for subscribers, landline and wireless calls often carry per-minute charges.
  • Be aware of your cell phone costs and how to reduce them. Cell phone use has dramatically increased communications expenditures in many households. Understand peak calling periods, area coverage, roaming, and termination charges. Make sure your calling plan matches the pattern of calls you typically make.


  • Research free or inexpensive entertainment in your community. Use local newspapers and websites to learn about free or low-cost parks, museums, film showings, sports events, and other places which you and your family would enjoy.
  • Give up premium cable channels or better yet, cable all together. It’s a lot cheaper to rent one film a week than watch one on premium cable channels that may cost more than $500 a year.
  • Borrow books rather than purchasing them. Borrowing books and reading magazines at your local library, rather than purchasing reading material, can save you hundreds of dollars a year.
  • Attend high school rather than college or pro sports events. High school sports events rarely cost more than $5 and are often free, with hot dogs and sodas typically costing $1-2. College and pro football and basketball games rarely cost less than $20, and their concessions are usually several times more expensive.

Family and Friends

  • Plan gift-giving well in advance. That will give you time to decide on the most thoughtful gifts, which usually are not the most expensive ones. And if these gifts are products that must be purchased, you will have the opportunity to look for sales.
  • In families, discuss limits on spending for gifts. These limits not only tend to reduce expenditures; they also be greatly appreciated by the least affluent family members.
  • Socialize at pot-luck meals rather than at restaurants. Because one wants to be generous to friends and family, there may be huge cost savings here.
  • Consider writing letters instead of making frequent phone calls. Thoughtful letters are usually far more highly valued than phone conversations, and they are often saved by recipients for future reading.

For additional tips on saving on a tight budget, click here.

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