back to top
Crystallinekitsune>>
Adulting Your Money 101 

arabellesicardi:

Here is my unsolicited and unprofessional advice about money! I am not a professional financial adviser!!! However!!! The likelihood of any of you tween babies going to an adult financial adviser is very slim so I will offer you the advice I have accumulated through my own advisers and experiences. I still think you should visit an adviser via your school if you can or whatever. They really help! Most colleges have one through career services or something. Okay so.

  1. Have a checking account. Look into minimum balances and fees! Maybe you would be better off with a Credit Union than a traditional bank? Which is most convenient and affordable to you?  I use a bank and a large one and I am pretty happy with it for checking account services. Look for a bank with free services and a low opening balance. Maintenance fees add up — you could pay $100+ a year just for someone holding your money. You don’t want to have to lose money because someone is holding your money! It’s insult to injury. If you are a student there are several options for you that will suit your needs. Read this article! Maybe you would be even better off with an exclusively online bank! There are several. 
  2. You better be checking your statements monthly for discrepancies in your purchasing. For this, please keep track of your expenses. Keep all your receipts. You don’t need to keep paper copies, you can scan them in. There are apps for that on smartphones. I use Wave. It is glitchy but it works for me. There are many options out there. But you should be consistent about it. Research some on your own time. I’m not saying this to be anal but actually it’s not uncommon for places to double charge you, and sometimes frauds and scammers will take tiny increments from your checking if they gain access…..2 cents from millions of people adds up to a lot of money. So keep track and if you see anything suspicious call up your bank ASAP and fight that charge, no matter how small. 
  3. Okay you have a checking account. You wanna save money? Don’t just lump all your money in one place because you’re more likely to spend it. Get a savings account — or several! Maybe one for a vacation you wanna go on, and one for student loans repayment or whatever. It’s perfectly normal and good to have multiple savings account and you don’t have to stick to your checking account bank. Find one with high APY and a low opening balance. The best out there for USA residents is GE Capital Bank. It offers the highest yield nationwide and they have a calculator too so you can see how much they make for your savings which I love. Here are some other options. 
  4. Every paycheck, I want you to set aside money automatically via automatic transfers to your savings account. Taking out necessity expenses like rent, food, etc, there is a fixed amount you want to be saving out of every paycheck. If your job offers a 401(k) you want to look into that and throw money into that so you are saving for retirement. Throw as much as you can (look into the maximum contribution allowed) into that plan because your company will match that amount (maybe not $1 for every $1, like I said, look into it).. This is free money from your employer and lowers your taxable income. Yay less taxes! Here is an article about 401(k). Even if you leave a company, you can transfer your 401(k) to the next company you work for. Take advantage of 401(k)’s when you have them! You always want to be saving for retirement. I know it’s a long way away but cost of living is only going up so the earlier you start the better off you are. Ideally you wanna throw 10% of a paycheck into your 401(k) if it’s available to you. 
  5. Anyway back to savings. You wanna throw in like, 30% of a paycheck or however much you can into your savings. Some people pay themselves out of their savings and live very frugally this way — throwing it all in and taking out what they need to pay necessities etc. I don’t do this, I just automatically set up bi-monthly transfers around paydays so I just never see money, it just goes into savings. If you don’t see it, you don’t want to spend it. This is effortless saving. 
  6. You get a big bonus at a job? Or an inheritance? Instead of splurging on something consider opening a CD. CD’s are basically time capsule savings accounts with higher interest rates, you throw your money in, they generate more money, after 2 years or x amount, you take your money out and voila more money. Look into places with high APY for CDs. The bank I mentioned above (GE Bank) is great for this. This might be more effective if you have several thousand dollars you don’t plan on using anytime soon. Just let it accumulate into more money. 
  7. Really try to keep a budget. I’ve written about this before for Teen Vogue, the apps I use.  These are super important to me, and they keep me accountable to my budget. Am I spending too much on fast food one month? How many years till I pay off my loans at the rate I’m throwing money at them? These apps keep me updated. One of them comes with a free financial adviser you can talk to on the phone and they help you figure out the best kind of plan for you with your budget and your current income. This is amazing and you should look into it!
  8. You don’t need a credit card. You really don’t. I mean. A debit card is better for you in terms of your financial accountability because you won’t be spending money that isn’t already yours. You do want to build credit but you don’t necessarily need a credit card for that. If you have billls like a phone bill you can pay that with a debit card and as long as you’re doing it on time you are building credit. Building credit is a long and difficult process and the lure of credit cards are super dangerous so think long and hard about if you need one or just want one. This is up to you! Research. 
  9. I’m not gonna talk about taxes because i know fuckall about them and I hire an accountant and write off the accountant during said tax time and it’s absolutely worth it because I am too anal and neurotic to deal with the concept of the government taking away my money and then giving it back to me so I don’t deal with it at all. Instead!!! I let someone else!! Yeah!!! Fun. 

Okay that is your crash course on adulting your money I hope it helps you good job high five. Once again I am not a financial adviser I am just being a mom but I hope I made some things clearer for you and if you have any questions you can ask I will try to help but you should be proactive and ask a professional in your area so they can break it down for you in all their professional glory. Okay!! Good talk.

xcarney:

bc the new issue killed me

30 icons of clint barton from hawkeye 19

like/reblog if using pls ty uwu

Read More

Tags:
#videos

jjwhite3:

the Mountain Goats video of the day. A young (and comfortingly nerdy) John Darnielle performing a cover of Ace of Base’s “The Sign” with a pleasant restraint and typical outburst of energy/frustration. It’s always interesting when he’s accompanied by another musician and Rachel Ware’s voice and bass complement the sound of Darnielle’s demons escaping him nicely. The second song, “No, I Can’t”, is new to me (I haven’t yet completely delved into the self-contained universe of the early recordings), and has been on repeat in my flat through today/night/early morning. It’s the simplicity of the lyrics combined with the increasingly bitter delivery that really does it for me. It’s 5am and I’m rambling. I’m no music critic and I’m not particularly good at talking about anything, but this music really talks to me.

Tags:
#music
Artist: the Mountain Goats
Track: "My Favorite Things"

sadyoungcardinal:

"… It’s okay to write funny songs, but once people say ‘Oh yeah, he’s funny!’ That’s when it’s time to write about, you know, people getting ugly divorces. This, however, is a song about raw animal sex." —John Darnielle

10 Mountain Goats songs that deserve more attention

funnol:

No disrespect to the This Years, No Childrens, Up the Wolves of this world but the Mountain Goats have a lot of songs and John Darnielle has some sort of fetish for burying some of his best work in obscurity. Here’s ten that have particularly been lost in the shuffle:

1. Saigon Shrunken Panorama (from the Acuarela Songs compilation, 2001): I had to upload this one to YouTube myself. There used to be a video up, but apparently it was deleted…This is definitely a subtle one. The guitar part’s simple even for a Mountain Goats song, the vocals are very much understated, so much so that it used to get skipped frequently on my iPod. Not any longer—in fact, I love the simplicity of it. Plus the lyrics, when paid attention to, are just vague enough to make you wonder just what happened to our narrator. All this makes the “hey!” at the end so much more rewarding.

2. Song for God (All Hail West Texas outtake, 2002):

"Song For God" was cut largely because while the lyric clearly reads "it takes two days or better to drive across its length," the singer of the recording in question has inexplicably chosen to modify that to read "it takes two days or better to walk across its length." I challenge anyone foolhardy enough to try it to see whether Texas can in fact be walked in two days. I would hazard to guess that it can’t be done.

The flubbing of one word cost “Song for God” a spot on the beloved All Hail West Texas. It was really cutthroat for songs in the boombox days. It’s a shame, because this one really deserved to be included. One of John Darnielle’s favorite subjects appears to be delusion under guise of religion, of which this song is a textbook case. The narrator casually watches children running across his front yard, waiting for the apocalypse that he’s sure will come in his life. He’s got an old fallout shelter where he “won’t even be able to hear the hoofbeats” of the Horsemen. It reminds me of another outtake from All Hail West Texas, "Waco", which is about the Branch Davidians. However, the difference between the two is the Believer in “Song for God” is all alone in his fantasies. Both songs are sad, but the solitude in “Song for God” makes it even more depressing.

3. Third Snow Song (Philyra single, 1994): I think that this one is the first song on this list that you can actually purchase legally from iTunes and the like since it was re-released on the Protein Source of the Future…Now! compilation. But even on there it’s overlooked. Maybe that’s because no one knows what to make of this song? Why is our narrator hammering his key into the ice? Is there something on the other side? Is he trying to drown himself? Is he just really thirsty? I don’t know, but it makes for good music. And don’t even get me started on the riff.

4. Edvard Munch (Unreleased, first played live 1996): John Darnielle has introduced this song live as “Oslo 1888” before, so maybe that’s its title, except that there is a completely different unreleased Mountain Goats song that’s also also called “Oslo 1888”, and the song’s namesake, Edvard Munch, (a Norwegian painter who’s probably most famous for this thing) was also living in Oslo in 1888 (at least I think, Wikipedia was kind of vague). It’s all very confusing but it’s worth delving into to try to figure out this song. The narrator of this song is clearly hurting over the departure of someone—I wonder if Munch is either of those people, or if he doesn’t play an active role in the song. Someone who knows more about art history than myself might be able to tell.

5. Keeping House (Japanese bonus track on Get Lonely, 2006): This song didn’t belong on Get Lonely. Musically the answer why is obvious, the upbeat horns, the fast strumming, the up-and-down bassline…it was of a different skin than Get Lonely (alternate title: “Songs to Make You Want to Curl Up and Die on the Tile Floor of Your Bathroom”). But the lyrics also stick out compared to the album tracks. It’s a second-person narrative in contrast to Get Lonely's first person agony. The person singing this song has a sort of confidence absent from the album, like he has been through all of this before and he's giving “you” advice (whereas the only times the word “you” was uttered in Get Lonely were regretfully and painfully). I see it as a sort of alternate ending to Get Lonely, a more positive epilogue than the suicide ballad of “In Corolla”, which, mind you, is just as good…

6. Sendero Luminoso Verdadero (Beautiful Rat Sunset, 1994): Sendero Luminoso (“Shining Path”) is the name of the Communist Party of Peru, a “terrorist organization” (according to U.S., Canadian, and European governments) whose power peaked in the 1980s. Our narrator was pretty visibly some sort of military leader, presumably for the Party—he puts on his old jacket and stands at the window, he thinks in military time…the historical details are probably not as fascinating to you as they are to me so I’ll cut to the chase: this song is a hidden gem that is on the short list for personal favorite Mountain Goats song (despite the bizarre introduction). John Darnielle can turn “I remember Lima, I remember the good life” into an all-time great (sort-of) chorus.

7. Deserters (from We Shall All Be Healed sessions, 2004):

“‘Deserters,’ technically a ‘demo’ though the word has always given me fits, is the song that sparked the We Shall All Be Healed album, and has a number of images that are sort of touchstones for me.”

This song is haunting. just the sheer apathy of its lyrics (“trying to better ourselves, giving up after one or two tries…”) and the way the chords just sort of repeat and go on and on…this song is rough in every definition of the word. We Shall All Be Healed dealt with some of the darkest subject matter in the Mountain Goats’ catalog but songs like this don’t really ever make it onto records, presumably because they refuse to play nice with the other tracks.

I think that the lesson of this song is “Don’t do meth”.

8. I Know You’ve Come to Take My Toys Away (Nine Black Poppies, 1995): Tremendous work from former bassist Rachel Ware here. Between her bass and her backing vocals near the end, she is really an integral part of this song. If by some strange twist of fate I ever become in charge of a TV show then this will be its theme song; even though the show would likely have nothing to do with confiscating someone’s toys, this one just screams “theme song!” to me. The meaning of this song is a mystery to me—are the toys literal toys? “Adult” toys or children’s toys? Or is it something more sinister? I hope so. Actually I just really hope this song isn’t about sex toys.

9. Whon (Unreleased, first played live 2009): “Whon” is a Texas ghost town whose name is a mispelling of Juan, a ranch hand who was friends with whoever got to name the town. The song “Whon” may have had something to do with All Hail West Texas but I have no proof of that. What I do know is that the music for the song is completely improvised—sort of like a bonus because the show was a benefit for Farm Sanctuary and I think he gave away the original lyric sheet to someone in a raffle or something. The only complaint I have is that the recording is so quiet it’s hard to make out at times. Why these lyrics sat around unsung (literally!) for so many years is beyond me. “You will never quite escape last year” indeed.

10. Bad Waves (On Juhu Beach, 2001): On Juhu Beach is weird. John Darnielle has said so himself. It was one of the last releases that he recorded on his Panasonic RX-FT500 boombox and the wheelgrind sound is as instrusive as ever. With the exception of “Transjordanian Blues” I don’t think any songs off of it have been played live. “Bad Waves” in particular stands out among the EP mostly likely due to the setting it describes—some cheap hotel on a beach in 1972, possibly in Asia due to the Bangladesh reference, “childlike” paintings lining the hotel’s wall. And this is all before the narrator gets to the point of his story: the waves are going to kill all of us. One wonders how literally to take this warning—is there a monsoon approaching? Or maybe the waves are a metaphor. Either way, this guy is full of dread and he wants you to be, too.

11. Tug on the Line (Undercard, 2010): Bonus Extra Lens song! Technically not Mountain Goats, but John Darnielle wrote it so I’m putting it here on this list. Undercard is usually mentioned as the lesser of the two Extra Glenns/Lens albums, and I can’t fault that—it’s terribly inconsistant. However, there are plenty of great songs on it, namely “Ambivalent Landscape Z”, “Dogs of Clinic 17”, and of course this one. It’s about a family fishing trip, and Something Happens. Franklin Bruno is basically just here on this song to make it sound pretty, and he does an excellent job.

EDIT: Thanks to Kyle Barbour and his Mountain Goats website for research on a couple songs. Y’all should check it out.

truebluemeandyou:

DIY Ultimate Know Your Skirts Guide Infographic from Enerie. For more very popular ultimate guides from Enerie go here:

emmmmly:

I’m always pushing everyone I know with a DSLR to learn how to shoot manual. In turn, I’ve had several friends in the past year ask me to teach them how. This usually happens when they’re across the country from me, and it’s really hard to explain over the phone. I’ve tried finding free online tutorials, but haven’t found any really good comprehensive ones. Truth is, I never shot manual or even attempted it until I went to art school and took a photography class. I looked at f-stop charts and played with shutter speed and just couldn’t get it. Hopefully, this is an easier guide than what I was able to find back in ‘08. If not, give me suggestions! I’ll gladly try again.

amaitohiko:

Purple zipper suspender skirt | Romwe

ilovecharts:

Famous Authors Who Hated Each Other’s Writing
via Kurt White

ilovecharts:

Famous Authors Who Hated Each Other’s Writing

via Kurt White

toxeh:

rosannapansino:

Captain America Ice Cream Sandwiches - Video [ LINK ]

SHAMALAM LOOK.