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2023.03.29 22:26 edible_pisces I'm grateful knowing that I'll be okay even though my life is falling apart
I lost my job of 7.5 years last December because they were unable to accommodate my medical condition. I was making $73K/year. I lived off my 401k, had issues finding work, ran out of money, and now I'm facing eviction.
I've given myself permission to feel, cry, and be sad. I was depressed for a while, but processing my feelings has brought me to a place of acceptance.
I'm so grateful that I have a tenants rights lawyer helping me. I'm so grateful to have another appointment to possibly get rental assistance this Monday. My landlord wants me out ASAP and said she went to a lawyer to file for the eviction, but I'm grateful the eviction process is giving me time to figure things out. I'm grateful to have the opportunity to find a better job. I'm grateful to have a place to stay if I do get kicked out. I'm grateful to have my crystals, singing bowl, and other tools to stay balanced. I know no matter what happens, everything will be okay. I'm really grateful that I won't end up sleeping in my car or on the streets. I'm grateful to have food and health insurance. I'm grateful I have kind people who have helped me in tremendous ways.
I really do trust that I will be okay đ„Č
submitted by edible_pisces to gratitude [link] [comments]
I've given myself permission to feel, cry, and be sad. I was depressed for a while, but processing my feelings has brought me to a place of acceptance.
I'm so grateful that I have a tenants rights lawyer helping me. I'm so grateful to have another appointment to possibly get rental assistance this Monday. My landlord wants me out ASAP and said she went to a lawyer to file for the eviction, but I'm grateful the eviction process is giving me time to figure things out. I'm grateful to have the opportunity to find a better job. I'm grateful to have a place to stay if I do get kicked out. I'm grateful to have my crystals, singing bowl, and other tools to stay balanced. I know no matter what happens, everything will be okay. I'm really grateful that I won't end up sleeping in my car or on the streets. I'm grateful to have food and health insurance. I'm grateful I have kind people who have helped me in tremendous ways.
I really do trust that I will be okay đ„Č
2023.03.29 22:24 jonathansh1115 Monthly car rentals in the city or surrounding areas.
Any suggestions for affordable car rentals near the city? I want to rent for a few months during the summer but didn't find much option online.
submitted by jonathansh1115 to pittsburgh [link] [comments]
2023.03.29 22:22 JinND Another "Any reason I should not go f* myself?" post
I have enjoyed others posting their situations over the many years of reading here, so I guess it is my turn to post one back for consideration.
Myself M(50) and my lovely wife F(43).
~2M in the FIRE pool:
House: No mortgage, worth approx 300-500k. I donât include this in any of our calculations, assuming it will always be spent on some sort of housing - a smaller place somewhere new, rent, moving etc.
4 children:
If we take SS when we I hit 70, we get 60k a year in today dollars. I am old enough that I feel confident it will be there for us. This year will be my 35th year of working/paying SS taxes.
Current expenses: ~85k/yr:
Other:
I have been lucky and privileged enough to be in tech since the 90âs. Never one of the 300k+ FAANG crowd, but lucky enough to be paid well and to live well below my means. My first 401k was from my college job at Burger King, with me stuffing my investments every job for the following 35 years. My wife has worked various jobs, taken a lot of burden of raising kids, and also lead a debt free lifestyle. We donât care much about the cars we drive and drive them forever. I am about done with my 20 year old jeep, we have a 13 year old Prius that will leave with a kid, and a 5 year old truck we bought well used.
My wife quit the rat race maybe a year ago. I could easily keep working and stuffing another 50-100k/yr into investments, but I am really tired of it and have âbeen there, done thatâ with my career. I am not interested in it anymore. I started getting tired maybe 8-10 years ago and now with my kids launching into their own lives, I feel ready to be done and do something else with my days. I am well past my career defining my life â I wonât be bored or needing to go back to work to âkeep myself busyâ.
Rough plan:
With our large variety of investment accounts containing a large variety of taxable and non taxable assets, I am confident we can generate the right taxable income to take advantage of the ACA and pay only some nominal amount for medical insurance. I also feel comfortable that something ACA-ish will be around for quite a while now that it is here. The ACA is not perfect, but I think it is a step in the right direction and a step hard to take back. We stay put in our paid off house, living fairly conservatively, until all our kids are off to college.
If I assume an ugly case of bad economic times and flat returns for the next 20 years and we end up blowing all 2M to get to 70(64) years old, we have the 60k SS from age 70 onward to limp by. I donât find that likely, but it is not a terrifying case for a 65-70+ lifestyle either. I think our more realistic plan of spending fairly frugally over the next 4 years while kids launch, keeping spending in the 70-80k/yr and then doing something VPW-ish after year 4 has a very good chance of 70-100k+ for the rest of our lives, assuming âokâ/conservative market returns.
The kinda ugly:
The various calculators tell me I roughly have a 1 in 10 chance of being dead at 60, a 1 in 5 chance of being dead at 70 and a 50% chance of being dead at 80. Nothing is guaranteed in this life but death. It is fine to be ready to live to be 90+, but it is crazy for me to expect to do everything I could be doing now as well. We saved and sacrificed lifestyle creep to get here and for me the feeling of OMY gets pretty dulled out by lifeâs realities.
The summary:
I believe we have won the game. We could keep playing and running up the score, but the risks I believe now outweigh the rewards. I am intending to give notice next week and be done working sometime to be negotiated, between end of the month and the end of this summer, leaving a well paying job to do whatever the heck we want to do. I wonât be holding out longer for a 1M house on the beach lifestyle in our 60s, trading it in on a few more years of independence in my 50s.
If you would keep working a few more years in my place, I would love to hear why. Any other comments welcome too. If I donât get another chance, thanks for all of the information shared here over the years.
submitted by JinND to financialindependence [link] [comments]
Myself M(50) and my lovely wife F(43).
~2M in the FIRE pool:
\~1M in various retirement accounts (Roth, various 401k. vast majority mutual funds/ETFs ) \~$750k in taxable investments (vast majority mutual funds/ETFs) \~100k HYSA \~50k in I bonds \~40K in invested HSA plans \~25k in CDs 0k in bitcoin 0k in rental real estateNo debt. We run everything through credit cards for the benefits, pay off in full every month.
House: No mortgage, worth approx 300-500k. I donât include this in any of our calculations, assuming it will always be spent on some sort of housing - a smaller place somewhere new, rent, moving etc.
4 children:
Child 1: finishing 2nd year of college, military academy appointment, totally covered. Child 2: graduating HS, college currently > 50% covered by 529 Child 3: finishing second year HS, college 100% covered by 529 Child 4: finishing last year of middle school, college currently \~30% covered by 529(Second marriage for us both, 3 households involved in raising our kids. College financing gets complicated. We are committed to financing the equiv of an in-state public college education for each. Beyond that they can help finance. Other households in general agreement, but you canât really know beyond the 529s that exist now.)
If we take SS when we I hit 70, we get 60k a year in today dollars. I am old enough that I feel confident it will be there for us. This year will be my 35th year of working/paying SS taxes.
Current expenses: ~85k/yr:
\~46.5k/yr in general essentials (food, prop tax, maint costs, utils, medical, internet, cell, etc) \~4.5k/yr in child support payments that will end in 2 years \~13k/yr in travel/vaca \~20k/y in other fun or optional things (meals out, donations, gifts/kid splurges, light mental wellness)With our kids being in HS and College, we expect to be at about peak expenses, with most costs going down over the next 2-6 years. We assume more medical costs and fun/travel will replace what will free up from going to empty nesting, leaving our costs roughly the same over time. We feel confident we can trim 10-20k of expenses and still live a very fun life for many consecutive years should the markets require it. 50k/year would not be poverty, though limiting for sure. A couple kids are not fully funded yet for college, but we have a plan to get them there and will sacrifice some vacations and fun stuff as worst case to get there in budget.
Other:
Fully paid off RV and pontoon boat 800 sq/ft woodworking detached shop filled from a lifetime of auctions, craigslist, etc. Currently live on 11+ acres, large garden, trees, river and lots to do. MCOL, flyover state. Plan to live somewhere else MCOL or lower after the kids are fully out of the nest. 400-500k airline and the same in hotel points from years of work related travel. Everyone currently in good heath, no known significant medical worries. All of our parents and siblings have their finances well in hand. We feel no need to leave anything to our kids. Great if it happens to come to pass, but getting our kids to the other side of college with little to no debt is our real gift.Short bio/how we got here:
I have been lucky and privileged enough to be in tech since the 90âs. Never one of the 300k+ FAANG crowd, but lucky enough to be paid well and to live well below my means. My first 401k was from my college job at Burger King, with me stuffing my investments every job for the following 35 years. My wife has worked various jobs, taken a lot of burden of raising kids, and also lead a debt free lifestyle. We donât care much about the cars we drive and drive them forever. I am about done with my 20 year old jeep, we have a 13 year old Prius that will leave with a kid, and a 5 year old truck we bought well used.
My wife quit the rat race maybe a year ago. I could easily keep working and stuffing another 50-100k/yr into investments, but I am really tired of it and have âbeen there, done thatâ with my career. I am not interested in it anymore. I started getting tired maybe 8-10 years ago and now with my kids launching into their own lives, I feel ready to be done and do something else with my days. I am well past my career defining my life â I wonât be bored or needing to go back to work to âkeep myself busyâ.
Rough plan:
With our large variety of investment accounts containing a large variety of taxable and non taxable assets, I am confident we can generate the right taxable income to take advantage of the ACA and pay only some nominal amount for medical insurance. I also feel comfortable that something ACA-ish will be around for quite a while now that it is here. The ACA is not perfect, but I think it is a step in the right direction and a step hard to take back. We stay put in our paid off house, living fairly conservatively, until all our kids are off to college.
If I assume an ugly case of bad economic times and flat returns for the next 20 years and we end up blowing all 2M to get to 70(64) years old, we have the 60k SS from age 70 onward to limp by. I donât find that likely, but it is not a terrifying case for a 65-70+ lifestyle either. I think our more realistic plan of spending fairly frugally over the next 4 years while kids launch, keeping spending in the 70-80k/yr and then doing something VPW-ish after year 4 has a very good chance of 70-100k+ for the rest of our lives, assuming âokâ/conservative market returns.
The kinda ugly:
The various calculators tell me I roughly have a 1 in 10 chance of being dead at 60, a 1 in 5 chance of being dead at 70 and a 50% chance of being dead at 80. Nothing is guaranteed in this life but death. It is fine to be ready to live to be 90+, but it is crazy for me to expect to do everything I could be doing now as well. We saved and sacrificed lifestyle creep to get here and for me the feeling of OMY gets pretty dulled out by lifeâs realities.
The summary:
I believe we have won the game. We could keep playing and running up the score, but the risks I believe now outweigh the rewards. I am intending to give notice next week and be done working sometime to be negotiated, between end of the month and the end of this summer, leaving a well paying job to do whatever the heck we want to do. I wonât be holding out longer for a 1M house on the beach lifestyle in our 60s, trading it in on a few more years of independence in my 50s.
If you would keep working a few more years in my place, I would love to hear why. Any other comments welcome too. If I donât get another chance, thanks for all of the information shared here over the years.
2023.03.29 22:14 rare_candyz Turo renters in Southern California
How has business been going lately? I have been checking cars rental history through the rental app for the past few months and it seems like nobody is having their cars rented out more than 1-3 days a month. Is this true or false for you?
I find myself in a position needing to get a new car so I wanted to maybe get something that I could rent out on Turo in the future, but from what I see, that seems to be a bad idea.
submitted by rare_candyz to turo [link] [comments]
I find myself in a position needing to get a new car so I wanted to maybe get something that I could rent out on Turo in the future, but from what I see, that seems to be a bad idea.
2023.03.29 22:10 busrentalabudhabi BUS RENTAL DUBAI ROYAL RIDER
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Our aim is to provide reliable and efficient services for all kinds of Transportation services with our luxury Buses, Mini Bus coasters with Saloon Cars. We are specialized in providing transportation services for all kinds of events like Exhibition Stand Dubai Management Company, Wedding Services, Picnic Groups, School Transport, Taxi Car Airport Pickup & Drop Offs, VIP transportation services, Corporate Transportation, City tours, Desert Safari Tours as well as trips to Abu Dhabi, Sharjah, RAK, Ajman and all our UAE We are proud to offer you the best quality vehicles at very affordable prices. You can relax while we take care of everything else. You can hire us according to your requirements ranging from small vans to large buses or any other type of vehicle you need for your event management or transportation needs. We have enough experience in this field so that we can provide you with the best service at Our buses are perfect for your private event, corporate coach charter for events, or even a family vacation. We offer standard Small Shuttle buses, luxury Motor Coaches, and super luxury Large buses. Our fleet includes Mercedes Benz adventure Sprinter vans for field trips in UAE We have been providing charter bus rentals in Dubai since 2010. We have satisfied customers all over the world including China, Europe, Australia, Africa, and South America. We have many repeat customers that come back year after year because of our great service and quality transportation. Our goal is to make sure every customer has a great experience with us. |
2023.03.29 22:06 Fn-2199Isloyal Unbiased opinion - Turo doesnât seem like a great deal on either side of the transaction
When I say unbiased
I have never paid for a Turo I have never hosted though Iâm considering it
This is just from my research but hereâs a couple things Iâve noticed from doing research
submitted by Fn-2199Isloyal to turo [link] [comments]
I have never paid for a Turo I have never hosted though Iâm considering it
This is just from my research but hereâs a couple things Iâve noticed from doing research
- The whole point of Turo is itâs supposed to be cheaper than the legacy rental business. It doesnât seem to be cheaper since they charge insane fees. A $50/ day car comes out to basically $100 a day unless you do a long term rental. Apparently hosts try to slam you with fees as well just to actually turn a profit.
- They collect insane fee amounts, so why are they taking a Portion of your earnings? A buddy of mine showed me his trip breakdown and it was $215, 110 of that being the actual car. (110x60=66) So the host gets roughly 66/215 dollars, less than a third, of the transaction? That seems absurd. Either collect a portion or collect fees, theyâre double dipping.
- It seems like they donât help their hosts with damage, insurance, etc. and fight on everything they claim to cover from what Iâve seen on this subreddit. I saw that you should create an LLC and get commercial insurance because itâs so bad at which point what do you need Turo for? Itâs basically just a marketing service at that point
2023.03.29 21:57 JMDilly Stuck between three housing options in a small mountain town. Looking for your hot takes on this.
Context: Traditionally, I like to spend 30% or less on housing and living in a small vacation town makes that extremely difficult. My lease is up in May and I am thinking about moving but not ready to make the jump yet so I'm looking at shorter term options.
Option 1: Stay where I'm at, the rent is $1550 + $70 for internet. It's a 2 bed 1 bath. I'd have to find a new roommate and I generally like the home but my landlord drives me bananas. She lives beneath me and doesn't respect that I work a normal job and I'm constantly waking her up from her 12 hours of sleep a day. The thought of finding another tenant that doesn't bug her and is cool with a month to month lease sounds daunting/annoying. This also leaves me with the possibly of paying $1620 a month if a roommate isn't secured.
Option 2: Slum it in a $900 rent with nearly $160 in utilities. It's a 1 bed 1 bath, it's not pretty and that would be my only complaint really. I do feel like I should live in a nicer place as I've got a decent job and worked hard to get where I'm at. The landlords are close family friends and super chill so I know that if I want to skip town it wouldn't be a fuss.
Option 3: Nice and new 1 bed 1 bath for $1560, $100 a month pet rent, and $50 internet.
I do enjoy living in a nice place but I think 2023 is the year for me to go as liquid as possible for future home buying opportunities, pending medical bills, and financial freedom so that I may leave.
Financial Situation Currently (Monthly):
Take Home = $3920, Roth 401k + Match Contributions = $572, Car Insurance = $50, Medical Bills = $131, Savings Contributions = $701.
My rough take home before 401k contributions is $4200, so $1260 is my rough rental budget. I hit pretty much rock bottom in everyone of my accounts besides my Roth 401k and my investments after breaking my leg last July. My emergency fund is almost flush and I'm close to the next phase of splitting my savings and returning to investing to continue dollar cost averaging into this bear market. 26 year old entry level civil engineer if that matters. Looking for some logic past my excel sheets.
submitted by JMDilly to personalfinance [link] [comments]
Option 1: Stay where I'm at, the rent is $1550 + $70 for internet. It's a 2 bed 1 bath. I'd have to find a new roommate and I generally like the home but my landlord drives me bananas. She lives beneath me and doesn't respect that I work a normal job and I'm constantly waking her up from her 12 hours of sleep a day. The thought of finding another tenant that doesn't bug her and is cool with a month to month lease sounds daunting/annoying. This also leaves me with the possibly of paying $1620 a month if a roommate isn't secured.
Option 2: Slum it in a $900 rent with nearly $160 in utilities. It's a 1 bed 1 bath, it's not pretty and that would be my only complaint really. I do feel like I should live in a nicer place as I've got a decent job and worked hard to get where I'm at. The landlords are close family friends and super chill so I know that if I want to skip town it wouldn't be a fuss.
Option 3: Nice and new 1 bed 1 bath for $1560, $100 a month pet rent, and $50 internet.
I do enjoy living in a nice place but I think 2023 is the year for me to go as liquid as possible for future home buying opportunities, pending medical bills, and financial freedom so that I may leave.
Financial Situation Currently (Monthly):
Take Home = $3920, Roth 401k + Match Contributions = $572, Car Insurance = $50, Medical Bills = $131, Savings Contributions = $701.
My rough take home before 401k contributions is $4200, so $1260 is my rough rental budget. I hit pretty much rock bottom in everyone of my accounts besides my Roth 401k and my investments after breaking my leg last July. My emergency fund is almost flush and I'm close to the next phase of splitting my savings and returning to investing to continue dollar cost averaging into this bear market. 26 year old entry level civil engineer if that matters. Looking for some logic past my excel sheets.
2023.03.29 21:52 jimmeny_crickette Enseignante contractuelle enceinte, peur de non renouvellement
Bonsoir, Je suis enseignante contractuelle dans un IUT depuis 4 ans et jâaime beaucoup oĂč je travaille. Je viens de dĂ©couvrir que je suis enceinte et que mon congĂ© maternitĂ© serai au mois de novembre. Le problĂšme est que si je leur dit avant mon renouvellement (au mois dâaoĂ»t), je risque de ne pas ĂȘtre renouvelĂ© car je ne pourrais probablement pas travailler le moitiĂ© du premier semestre. Cela me fait tellement peur que lâon me remplace et que je sois au chĂŽmage. Je suis Ă©trangĂšre et je veux respecter les dĂ©marches mais ma belle sĆur me dit de ne leur rien dire jusquâaprĂšs la signature du contrat. Je trouve ça un peu malhonnĂȘte car ils ne pourront pas trouver quelquâun pour mes cours. Je fais le plus dâheures que tous les enseignantes, des heures supplĂ©mentaires de ouf, je participe Ă lâorganisation des Ă©vĂ©nements des dĂ©partements ainsi que les suivis de stage et les soutenances. Depuis 4 ans jâespĂšre obtenir une cdisation aprĂšs avoir montrĂ© mon implication mais je crains que ma grossesse soit lâobstacle qui me fait perdre mon boulot. Quel est votre avis? Avez-vous vĂ©cu la mĂȘme chose? Dois-je dĂ©clarer ma grossesse Ă mon employeur avant le renouvellement? Je sais quâils ne peuvent pas me virer Ă cause de la grossesse, mais ils peuvent ne pas me renouveler, non? Merci
submitted by jimmeny_crickette to enseignants [link] [comments]
2023.03.29 21:28 MinervasMagic Looking for lost Harry Potter books that I wrote my name in
I know how much of a long shot this is, but I have wanted to try for years so here goes. I woke up to the 6th Harry Potter book laying on my bed because my aunt who raised me bought it when she got off of work just after it was released at midnight. I read it all in one day. I let a friend in high school read it when I was done and she accidentally left it in the glove compartment of a rental car in Kentucky and we were never able to get it back. Iâm hesitant to share my full name here because of internet shenanigans but the initials of the signature are JEP.
I also let someone borrow my copy of DH and they never returned it. Same initials on the signature inside.
If you have secondhand HP books 6 & 7 with a name with these initials, or ever see them, will you please message me? Both would be first editions. I actually donât care about that part, I just want them back for sentimental reasons, but wanted to share to help narrow down the search. I will pay what you paid for them plus shipping and a finders fee I can afford, like $15.
Thank you for reading! and yes I know, I learned my lesson and stopped loaning out my books đ
submitted by MinervasMagic to harrypotter [link] [comments]
I also let someone borrow my copy of DH and they never returned it. Same initials on the signature inside.
If you have secondhand HP books 6 & 7 with a name with these initials, or ever see them, will you please message me? Both would be first editions. I actually donât care about that part, I just want them back for sentimental reasons, but wanted to share to help narrow down the search. I will pay what you paid for them plus shipping and a finders fee I can afford, like $15.
Thank you for reading! and yes I know, I learned my lesson and stopped loaning out my books đ
2023.03.29 20:58 Left_Kaleidoscope_77 Urgent TDY enroute question
Hey yâall,
Iâm currently stationed in Germany on my way to LOG BOLC⊠TDY enroute to my next duty station.
My unit is confused as to who is funding this trip (flight, rental car etc). They are saying itâs âBig Armyâ thatâs supposed to fund it.
I called the school house, they donât fund anything, my branch manager doesnât have the answer either.
Has anyone prior enlisted, commissioned OCS been in this situation? Any help is appreciated.
submitted by Left_Kaleidoscope_77 to BOLC [link] [comments]
Iâm currently stationed in Germany on my way to LOG BOLC⊠TDY enroute to my next duty station.
My unit is confused as to who is funding this trip (flight, rental car etc). They are saying itâs âBig Armyâ thatâs supposed to fund it.
I called the school house, they donât fund anything, my branch manager doesnât have the answer either.
Has anyone prior enlisted, commissioned OCS been in this situation? Any help is appreciated.
2023.03.29 20:55 LauGrr Guy sees Craigslist ad for $26K Hellcat. Agrees to buy the car with title and all in hand. Turns out itâs a rental with plasti-dip on the wheels, roof and trunk lid. Guy is out $26K and a car!
 | submitted by LauGrr to thecarguide [link] [comments] |
2023.03.29 20:53 KillaMarci Stray doggo who needs help
 | We went to Nuraghe Santu Antine in Torralba today and discovered a stray dog seemingly living inside the towers there. We asked the owners and they said he does not belong to anyone and seems to be a stray. One of his back legs look to be infected as well. đ submitted by KillaMarci to Sardinia [link] [comments] We are tourists in Ireland so we donât know what to do or who to call, we also donât speak Italian. Would any of you be able to help him or help us help him? We have a rental car and could drive him to a vet or animal shelter, but not sure how to proceed or if there even are any animal shelters here. He seems like a great dog and is very well behaved and cuddly, he just needs a home. |
2023.03.29 20:48 firefly20200 How stupid is it to borrow against my 401k for a primary residence?
-- Age: 37 -- Time at current job: 7 years -- 401k Balance: $57,000 -- Pension from job that should replace ~40% of income and is fully employer funded
Looking at trying to get into a house and have $100,000 cash with an income of $75,000. I've been at the same job for 7 years and average at minimum 2.5% raises every year. I've personally averaged much more, probably 5 to 6% across all seven years, but I don't bank on market adjustments or promotions.
I'm looking to put 20% down on a house and payments would come to about $2050/mo (currently paying $1900 to rent a place). With closing costs any everything that won't leave much of a buffer for me. The homes I'm looking at are in decent shape, but built in the 1970s and seem to have old (at least not new, less than five years) HVAC and roof and stuff... I also still have about 7 months on my current rental lease.
If I add up the cash I have plus the 401k loan, after down payment, closing, AND factoring in paying my full lease if I can't get out of it, I would have like ~$25k left, which I feel much safer about if I run into issues with appliances in the first couple years, or a $10k HVAC replacement or something major like that. (Obviously I would try to get out of my lease, but planning for worst case)
The 401k loan repayment is over 15 years and is at 8.5%. That brings payments to $280/mo. I likely would step down from my current 9% contribution to 7% (I'm matched 50% on the first 7%), that means my extra out of pocket would be $156 compared to today.
My mother would also be moving in with me, she's going through serious medical treatments that are life threatening, but obviously we are optimistic and I hope she lives a long life with me. She has a small retirement and brings in about $18.5k/year. She has no debts and thankfully her medical is covered with Medicaid right now. If something happens, a very small portion of her pension ($200/mo) pays out to me and there is enough life insurance in place that I could pay back my 401k loan and have a good buffer of cash.
I know robbing the 401k is usually never a good idea... and it probably isn't in this case, but I don't see myself getting into a house any easier in the next few years and I'm fairly certain rents will just increase. I'm pretty dead set on getting into something between now and when my lease is up... it's just a "how much" question (spoiler alert, I haven't seen anything cheaper in my market in the last 24 months) and how much money do I have left over for emergencies. I could keep from touching the 401k, but then I would basically have zero cash left over and things might get a little tight come Sep/Oct/Nov covering my lease if I haven't been able to get out of it by then...
So... how stupid?
Edit: I should also note I have a new car with $400/mo payments for a few more years. 3.5 years more on the full warranty and and 7 more years on the drivetrain warranty... so hopefully no major expenses from that end of things...
submitted by firefly20200 to personalfinance [link] [comments]
Looking at trying to get into a house and have $100,000 cash with an income of $75,000. I've been at the same job for 7 years and average at minimum 2.5% raises every year. I've personally averaged much more, probably 5 to 6% across all seven years, but I don't bank on market adjustments or promotions.
I'm looking to put 20% down on a house and payments would come to about $2050/mo (currently paying $1900 to rent a place). With closing costs any everything that won't leave much of a buffer for me. The homes I'm looking at are in decent shape, but built in the 1970s and seem to have old (at least not new, less than five years) HVAC and roof and stuff... I also still have about 7 months on my current rental lease.
If I add up the cash I have plus the 401k loan, after down payment, closing, AND factoring in paying my full lease if I can't get out of it, I would have like ~$25k left, which I feel much safer about if I run into issues with appliances in the first couple years, or a $10k HVAC replacement or something major like that. (Obviously I would try to get out of my lease, but planning for worst case)
The 401k loan repayment is over 15 years and is at 8.5%. That brings payments to $280/mo. I likely would step down from my current 9% contribution to 7% (I'm matched 50% on the first 7%), that means my extra out of pocket would be $156 compared to today.
My mother would also be moving in with me, she's going through serious medical treatments that are life threatening, but obviously we are optimistic and I hope she lives a long life with me. She has a small retirement and brings in about $18.5k/year. She has no debts and thankfully her medical is covered with Medicaid right now. If something happens, a very small portion of her pension ($200/mo) pays out to me and there is enough life insurance in place that I could pay back my 401k loan and have a good buffer of cash.
I know robbing the 401k is usually never a good idea... and it probably isn't in this case, but I don't see myself getting into a house any easier in the next few years and I'm fairly certain rents will just increase. I'm pretty dead set on getting into something between now and when my lease is up... it's just a "how much" question (spoiler alert, I haven't seen anything cheaper in my market in the last 24 months) and how much money do I have left over for emergencies. I could keep from touching the 401k, but then I would basically have zero cash left over and things might get a little tight come Sep/Oct/Nov covering my lease if I haven't been able to get out of it by then...
So... how stupid?
Edit: I should also note I have a new car with $400/mo payments for a few more years. 3.5 years more on the full warranty and and 7 more years on the drivetrain warranty... so hopefully no major expenses from that end of things...
2023.03.29 20:35 Heavy_Buyer197 Rental Car service that I can drop off in USA?
I'm looking to rent a car in Toronto that I can drive to New York and drop off. My family will be visiting soon and we want to drive to NY together (making pit stops at Niagara and other cities along the way) but they plan on flying back home from NY directly, and I don't want to drive back alone. Any ideas?
submitted by Heavy_Buyer197 to askTO [link] [comments]
2023.03.29 20:35 Kiyategringo Turo host canât do vehicle drop off
I have a one week rental and the host is now telling me one day before the rental that he canât drop off the car at my desired location even though they had it as an option.
Should I contact turo support? I donât want the host getting in any trouble or having their account restricted.
submitted by Kiyategringo to turo [link] [comments]
Should I contact turo support? I donât want the host getting in any trouble or having their account restricted.
2023.03.29 20:33 Legodude522 Wanting to temporarily drive in another state
I'm based in Texas but I'm currently in California on a work trip. Work has been postponed so I have some time off with a rental car. Am I able to do some UberEats orders in my downtime here? The app says I need to contact support to go online. I'm only here for the week so I don't want to make any permanent changes.
submitted by Legodude522 to UberEatsDrivers [link] [comments]
2023.03.29 20:31 RepresentativeTea787 Are we going in the right direction? Behind in retirement and compromise on finances
Iâm wondering if I can get some general financial planning advice, I feel like we could be putting our money to better use or condensing some things. Iâve tried to read up on what I can over the years about investing and saving but especially after reading the wiki I feel like maybe weâre doing things out of order and behind on retirement especially my husband given his age. Iâm 31 my husband is 44 we have two kids, my FIL lives with us and we live in the Midwest.
Expenses Our monthly expenses are around $3200-3500⊠$1500 of that is on the mortgage (includes escrow and $250 extra on principal). I would say we are pretty frugal, always buy secondhand/used/generic while still treating ourselves every now and then. We use a small credit union so using spending apps to track our budget has not been possible although I would love it my husband is more hesitant about switching banks because of fees etc. We donât pay for any childcare since my husband, and I alternate our schedules.
Income
Together we made $105k in 2022 $115k in 2021 $105k in 2020
My husband also buys cars from the auction on the side but not sure how much he actually makes doing this he doesnât really keep track of profits. To me, itâs more of a hobby but we currently have a few cars that he will be selling in the next few months and donât have any car payments because we buy our cars in cash and get them fixed up. I went down to PRN at my job the last year and a half after having my second child (one in 2020 and one in 2021) and starting school. When I did this, I lost my benefits including 401k (more on this below).
Our monthly take home pay averages around $5500-$6000
Savings
Personal savings account $75k savings account linked to our checking account. We feel comfortable having about $25-$30k of this for our emergency fund. Iâve been reading in other posts a lot of people recommend HYSA.
Retirement Accounts
Husband currently has $55k. He came to the US at 30 yo and cashed out his 401k contributions when he left his first job ~2013 not realizing what he was doing. (He got a nice letter from the IRS later on). I just increased his contribution to 10% about a year ago from 5%. His job matches up to $1200 or 50 cents of the employeeâs contributed dollar up to 5% (whichever is greater) and just gave him 5% of profit sharing this past year (although I donât fully understand what this means).
I have a total of $60k with Empower but have not contributed since August of 2021 when I switched to PRN. I wanted to continue to contribute so I rolled over what I could from a previous job into a traditional IRA ~38k but then found out I couldnât have it taken directly from my paycheck and just left it sitting. The other 22k is in my employerâs 457 plan not even sure if I will have access to all this money if I leave because almost half of it is not vested from what I understand.
HSA account he contributes $50/paycheck I set this at max $1000 in a cash account and the rest is invested with TD ameritrade currently $7250 invested in VOO, VTI, PBUS. We are considering using this to pay for small expenses that come up.
College savings 529 $5200
Brokerage account with fidelity $5800 invested in VOO, FXAIX
I couldnât decide between a college savings account and a custodial brokerage account so I opened both at the end of 2022 and put $5k in each one and contributed $50/paycheck in each for 2022. However (rookie mistake) I got discouraged with the balance going down and stopped contributing. Iâve wanted to open a brokerage account and invest but my husband is much less risk tolerant than I am so this was another compromise.
Debt
Mortgage left $122k. We bought our home in 2017 for 180k and put 10% down. Made extra payments to get rid of PMI within a couple of years. We refinanced at the beginning of 2021 and switched from a 30y mortgage to 15 years and reduced our interest rate from 4.375 to 2.625% including escrow our mortgage is $1250 but we pay an extra $250 towards the principal. I would prefer to pay the mortgage off ASAP but my husband would prefer to keep the cash on hand for other things so we came to a compromise by paying extra. Its estimated value according to Zillow is 325k.
I am getting my masterâs degree and have school loans currently $18k with no interest until 6 months after graduating. Iâll have a projected $30-35k in school loans by the time I graduate in August 2023. Again, I preferred to pay OOP but my husband thinks itâs better to keep the cash in our accounts (even though itâs just sitting there). Once I graduate my expected minimum salary (if I work full-time) will be a minimum of 100k.
Goals pay off our home âearlyâ, contribute to an a account for our kids to use when they're older, buy property in our home country/island (in the Caribbean) possibly use as a rental, retire earlier than 65
Any and all advice or insight would be so appreciated!
submitted by RepresentativeTea787 to personalfinance [link] [comments]
Expenses Our monthly expenses are around $3200-3500⊠$1500 of that is on the mortgage (includes escrow and $250 extra on principal). I would say we are pretty frugal, always buy secondhand/used/generic while still treating ourselves every now and then. We use a small credit union so using spending apps to track our budget has not been possible although I would love it my husband is more hesitant about switching banks because of fees etc. We donât pay for any childcare since my husband, and I alternate our schedules.
Income
Together we made $105k in 2022 $115k in 2021 $105k in 2020
My husband also buys cars from the auction on the side but not sure how much he actually makes doing this he doesnât really keep track of profits. To me, itâs more of a hobby but we currently have a few cars that he will be selling in the next few months and donât have any car payments because we buy our cars in cash and get them fixed up. I went down to PRN at my job the last year and a half after having my second child (one in 2020 and one in 2021) and starting school. When I did this, I lost my benefits including 401k (more on this below).
Our monthly take home pay averages around $5500-$6000
Savings
Personal savings account $75k savings account linked to our checking account. We feel comfortable having about $25-$30k of this for our emergency fund. Iâve been reading in other posts a lot of people recommend HYSA.
Retirement Accounts
Husband currently has $55k. He came to the US at 30 yo and cashed out his 401k contributions when he left his first job ~2013 not realizing what he was doing. (He got a nice letter from the IRS later on). I just increased his contribution to 10% about a year ago from 5%. His job matches up to $1200 or 50 cents of the employeeâs contributed dollar up to 5% (whichever is greater) and just gave him 5% of profit sharing this past year (although I donât fully understand what this means).
I have a total of $60k with Empower but have not contributed since August of 2021 when I switched to PRN. I wanted to continue to contribute so I rolled over what I could from a previous job into a traditional IRA ~38k but then found out I couldnât have it taken directly from my paycheck and just left it sitting. The other 22k is in my employerâs 457 plan not even sure if I will have access to all this money if I leave because almost half of it is not vested from what I understand.
HSA account he contributes $50/paycheck I set this at max $1000 in a cash account and the rest is invested with TD ameritrade currently $7250 invested in VOO, VTI, PBUS. We are considering using this to pay for small expenses that come up.
College savings 529 $5200
Brokerage account with fidelity $5800 invested in VOO, FXAIX
I couldnât decide between a college savings account and a custodial brokerage account so I opened both at the end of 2022 and put $5k in each one and contributed $50/paycheck in each for 2022. However (rookie mistake) I got discouraged with the balance going down and stopped contributing. Iâve wanted to open a brokerage account and invest but my husband is much less risk tolerant than I am so this was another compromise.
Debt
Mortgage left $122k. We bought our home in 2017 for 180k and put 10% down. Made extra payments to get rid of PMI within a couple of years. We refinanced at the beginning of 2021 and switched from a 30y mortgage to 15 years and reduced our interest rate from 4.375 to 2.625% including escrow our mortgage is $1250 but we pay an extra $250 towards the principal. I would prefer to pay the mortgage off ASAP but my husband would prefer to keep the cash on hand for other things so we came to a compromise by paying extra. Its estimated value according to Zillow is 325k.
I am getting my masterâs degree and have school loans currently $18k with no interest until 6 months after graduating. Iâll have a projected $30-35k in school loans by the time I graduate in August 2023. Again, I preferred to pay OOP but my husband thinks itâs better to keep the cash in our accounts (even though itâs just sitting there). Once I graduate my expected minimum salary (if I work full-time) will be a minimum of 100k.
Goals pay off our home âearlyâ, contribute to an a account for our kids to use when they're older, buy property in our home country/island (in the Caribbean) possibly use as a rental, retire earlier than 65
Any and all advice or insight would be so appreciated!
2023.03.29 20:30 padge30 Travel vs Cash Back Credit Card
I am looking into getting a new credit card and could really use some advice. I am wondering if I should get a travel or cash back card.
Some of the cards I have researched are the WestJet RBC World Elite Mastercard, RBC Avion Visa Infinite Card and the CIBC AVENTURA VISA INFINITE CARD.
Requirements:
I have researched this extensively, so please dont reply with the usual "search the thread for an answer".
Any help would be greatly appreciated as there are just so many options its hard to make a decision.
Thanks
submitted by padge30 to PersonalFinanceCanada [link] [comments]
Some of the cards I have researched are the WestJet RBC World Elite Mastercard, RBC Avion Visa Infinite Card and the CIBC AVENTURA VISA INFINITE CARD.
Requirements:
- Offers car rental insurance (do any cash back cards offer this?).
- If its a travel credit card I will be travelling from Vancouver to Dublin once a year at Christmas, and Vancouver to Newark once every summer.
I have researched this extensively, so please dont reply with the usual "search the thread for an answer".
Any help would be greatly appreciated as there are just so many options its hard to make a decision.
Thanks
2023.03.29 20:22 Fantastic_Fee616 Rent a Car Kochi - Self Drive Cars in Cochin, Kerala - IndusGo
Book a Self-Drive Car and get hassle-free premium car rental services, 24x7 support and roadside assistance anywhere you are. IndusGo offers affordable rental car services in Kochi, Chennai and all major cities of Kerala.
https://www.indusgo.in/karnataka/bengaluru
submitted by Fantastic_Fee616 to u/Fantastic_Fee616 [link] [comments]
https://www.indusgo.in/karnataka/bengaluru
2023.03.29 20:20 glassowl87 Rental Car Third Party Liabilty
Iâm a Canadian (Alberta specifically) planning to rent a car in the US, in a state where rental companies have to provide a minimum level of third party liability insurance (20k I believe) and I had a question about that.
I was curious whether my usual car insurance would cover additional liability if necessary?
My broker says that type of coverage doesnât exist, but reading my policy and the various definitions seems to suggest it would be covered. I obviously could be wrong since itâs really challenging to interpret that stuffâŠ
Iâm OK on the damage coverage front, just wondering about the third party liability side of thingsâŠ
submitted by glassowl87 to Insurance [link] [comments]
I was curious whether my usual car insurance would cover additional liability if necessary?
My broker says that type of coverage doesnât exist, but reading my policy and the various definitions seems to suggest it would be covered. I obviously could be wrong since itâs really challenging to interpret that stuffâŠ
Iâm OK on the damage coverage front, just wondering about the third party liability side of thingsâŠ
2023.03.29 19:59 scgzisuyll đđđ IF YOU TAP YOU WILL CUM đđŠ
 | submitted by scgzisuyll to zbyrvnjwwh [link] [comments] IF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMProcessing gif snwododcwpqa1...âBut I didnât even try to stop him, I know that he wasnât thinking clearly at that moment and then again neither was I, I just feel so bad about itâ Desperate fools hope flirting attempt number 46: see previous comment Chris smiled a devilish smile. I felt ill at the thought of being raped again as he led me to a fairly large rock a few feet away. He grabbed the sheet I had been wearing and placed it on the rock with one hand while the other held me, then he laid me back on it. He was still holding my arms, now at my sides and told me to spread my legs wide. He tightened his grip on me when I didnât comply quickly enough. Fuck fuck fuck. âBye guys have a good night,â replied James as he shut the door on them. James smiled to himself as he hurried into the living room. "Ow," the male shinobi rubbed the back of his head. âWow,â she said after a moment. "Tyler," Emily beckons her friend over. It wasn't too long, and soon we were at the table with an aproned Jessica serving us our meal. The talking stopped abruptly as three hungry teenagers tore into their food. "Twin brother to be exact." She beamed, she was very proud of him, so loving and caring and in her mind the cutest boy alive. He sure wouldn't mind helping a lady out. âGood to know. Now that I have dad in my corner if you donât buy me those heels I saw in the store Iâm gonna go crying to dad and tell him itâs all your fault.â Rita joked. I grabbed her hard around her thighs, and pulled her towards me as I thrust into her over and over again. Nicki's body was wet and covered in the dirty liquid of the bathroom, and my cock pushed in and out of her little hole harder and faster than she could handle. Nicki screamed, her head pressed up against the metal of the sink, me hitting her and thrusting into her so that her body was overwhelmed with pain. âWanna watch TV?â she asked him. Jess Was Stood Before Mr Boringer In His office, she had put her clothes back on, but was embarrassed and scared as she stood there with cum slowly seeping out of her stretched asshole and running down her leg, âYouâre in some deep trouble missyâ Mr Boringer said as he paced back and forth by the window, âWhat are we going to do?â She asked tearfully. There were several different background colors on the ID badges, which she hadn't figured out. There was a bit more variation in the footwear. Zoe was wearing white anklets and her blue-and-white Nikes. Athletic shoes were common, with a few loafers or flats, but everything she saw was white or blue or black. Gale asked Mom to help her clean up. Mom came into the room, looked at Gale lying there with her legs spread wide open, and walked toward the bathroom. Mom returned with a warm washcloth and told Gale to lick my cock clean. I watched as Mom leaned into Galeâs crotch and started licking her. Gale almost bit my cock when Mom gave her an orgasm. Mom used the washcloth to wipe off my cock and to wash Galeâs pussy. Together the three of us got Gale dressed and sent her home. Before she left Gale kissed Mom and thanked her for the oral sex. She said that no one had ever done that for her before. Mom started to cry. âHey, baby,â he said. âIâve got a quick questionâŠâ As they were finishing their breakfast, April spoke to William. âGets ya every time!â I say. I was actually expecting something like this. I guessed she'd taken at least an hour to work up the courage to propose this to me. When I saw her hesitating about something, I thought that whatever she was going to be say would be a big ask, and I'd assumed I was wrong. After all, being here instead of our place was no problem at all. Now I saw her real plan. She wanted to leave the two of us together. âI know, I feel it, too,â she said. âThat was weird.â âBabe, I can walk.â Any hot Babes, mom and aunties needing fuck mail me to [email protected] âSorry to hear that, Rob; Iâll let Carla know. Donât worry about it. Itâs not as though she doesnât know youâre sleeping together, besides Carlaâs what we used to call unflappable. Not many things will faze her.â We talked for a few minutes before I ended the call. I didnât like to talk on the phone while driving. âOh, um, okay. Well, you said youâre not a gamer, right?â Ask retrieved a box of Cresco lard, putting it on the table. "Now," Embla started taking Vicky's hands in hers. "It's not only for your pleasure that the lard is gonna be used. I want you to lube up your whole hand." I felt my cock which at that time of my life was about seven inches when hard and it was very hard by now. I moved my hands slowly down her body to the zipper on the front of the tight short shorts. When I flip the zipper tongue unlocking it the zipper flew open to the bottom at top of her pussy. She had a thin bush of dark hair covering her pussy. When I saw her pussy lips I almost shot my wad in my pants. She gasp and smiled at me looking into my eyes with those beautiful dark eyes and smiled a sexy smile. At the same time she reached for the bulge in my pants. Her eyes widened with a surprised look and Cousin said "I did not expect you to be so big" Morgan nodded slowly. "You are insane, sis." She quickly went back to taking me down her throat. Kristi, one not known for her patience, suddenly thrust down onto me as I felt her hymen give way, allowing me access to the unexplored territory of the inner cave. A pained cry was mixed with a gasp of pleasure from her, as well as a satisfied groan from me. We were connected, and more than just physically. We stayed in that position for what felt like half an hour, each of us overcome with a variety of emotions and thoughts, before we felt it was all right to continue. Immediately you find yourself feeling empty, pained, alone, and then a thought creeps into your mind. You canât help it, you body is making the decisions now, it is controlling you. You begin to think about all the things you would do to her, given the chance. Forcing her mouth your dick, coming on her body, fucking her from behind. For a brief moment you donât just desire it, but you need it. You desperately have to have it. wudlyk2 âThatâs a lot of maybes. And he didnât get caught; you just used women logic to twist his words around. Donât forget you two were off flirting too, we werenât all together the whole night.â He had promised her that they would try dating as soon a she turned 16 but he had one surprise for her before that. âSo Guy, what were your first thoughts of Bethany,â Dr. Hill asks me and I think for a second. âDamn,â Kayla thought to herself about what she had just witnessed, âthis girl is good!â Craig was being very accommodating, too accommodating. And why did he keep staring? Casey was beginning to feel a little weird. His dorm mate was definitely not acting normal. To the Reader who just said "shit..." thanks for the 'constructive' review. Ass. âohhh god that was goodâŠâshe moaned into my ear. âYouâre really are a good humper.â She kissed me deeply and pulled away and looked into my eyes smiling. âNow we both lost our virginity.â I sure liked the idea and I stood up with Victoria still sitting on my cock. I walked over to the stuffed chair, dropped her in it on her back, and continued to fuck her. However, that time I was in control. Besides that, I had jerked off just before coming to their apartment in anticipation of the âsure thingâ Only, I never thought that Victoria would be my sure thing. âHave you ever been fucked up the ass baby? Did Bruce Wayne fuck you up the ass?â I teased her. She shook her head nervously. Jackbnimble73 I couldn't believe what we just walked in on. Rita and I had went to tell Stephanie and Chris about our relationship only to find them fucking each other, something we did not expect. To say we were shocked would be the understatement of the year. We watched mouths open as they grabbed their clothes off the floor and put them on while using the blanket on the bed to hide their naked (but already seen) bodies. After now forgetting why we went there in the first place, we finally broke from our daze to notice the scared look on their faces. Mark had grabbed a hold of the clit piercing stud and tweaked it. He lightly tugged on it again and my back arched and mouth opened. I was mouthing words but nothing was coming out. Nicole laughed and said, "Yeah, I guess that's what I meant. Is that so awful? Am I that bad?" Lunaâs pussy felt great around Harryâs cock. Even though Ron had raped her, she was still really tight Harry thought; and warm. Harryâs cock slid in and out of Lunaâs pussy easily as she was still sopping wet from the oral Harry gave her. Harry gently eased Luna backwards onto the bed as the warm blankets enveloped her body as Harry lay on top of her. He placed his hand on the underside of her thigh as she wrapped it around Harryâs waist as Harry began to thrust quickly into Lunaâs tight cunt. âI might need that but thanks Guy, I didnât know about you making this a secret,â Ben says hanging his head. He asked. "cuz Ouhhh yum, made my pussy wet.. I'm new here.. Horny secret slutty wife.. Shhhhh I love these stories.. "It's good to see you girl! Happy early birthday!" she congratulated. âBe home by 6, Jess. Mom is making dinner,â Brian said over the phone. " I'm sorry Tess " When I opened the door it was quite a site to behold, she was wearing tight shorts and a tight shirt that hugged her C cup breasts quite nicely, her long black hair seemed to reflect all light and make her shine, she was actually quite tall, nearly my height and her legs were really smooth and long I nearly started drooling but I had to compose myself. I let her in and started to lead her to my room. Although Ginny had never done anything sexual with her previous boyfriends she had begged Hermione for information on how she could pleasure Harry. 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2023.03.29 19:59 akqguowtep đđđ IF YOU TAP YOU WILL CUM đđŠ
 | submitted by akqguowtep to aha7ph3u9i [link] [comments] IF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMIF YOU TAP HERE YOU WILL CUMProcessing gif 5kcnz3acwpqa1..."OH! OH! OH! OH GOD YEEEEEEEEEEESSSSSSSSSSSS!!!!!" she wailed as her own orgasm struck her. She shook and writhed beneath me, her pussy tightening more than I would have thought possible around me as I continued to pump more semen than I had ever done before. She asked, âDo you like that?â but quickly put her finger over my mouth so I wouldnât answer. She knelt down and unbuttoned my shorts while she sucked on my stomach. She pulled my shorts down and I lifted each leg so my feet wouldnât be restricted. Under the surface, there was silence. My eyes searched frantically for any sign of her in the abyss. I caught a glimmer of her necklace around her neck, sinking deeper, deeper. I surfaced, took a quick breath, and plunged back into the opaque green water. It rushed into my ears, and light began to disappear as the weight of the water pushed on my chest. âDonât worry about itâ, I said, putting my arm around her, âWe all make mistakesâ geemac Suddenly, I saw a shadow on the wall - seriously - and before I could realize what it was, a pillow hit me straight in the face, then fell on the floor in front of me. I gasped and looked at my brother, who was laughing like a complete ass that he was. I felt him press his head to the tip of my hole and I jerked, my breath catching in my throat. He lingered there for a second, then he started to hump in. Slowly, he fucked me until he was about maybe 3 and a half inches in. It was a sensation very new to me. It didnât feel unbearably bad, though my ass was burning A LOT, but I was determined to handle it. I guess he could hear me whimper, even though I tried to conceal it, because he didnât go in any further, he just fucked my ass gently like that for a long time. I could get used to it eventually. When I started to get more comfortable, he started to go harder, but just enough for him to announce that he was going to squirt. He pulled his jock out and jacked it off until he came, getting jizz all over the carpet. "Why are you sweating so much." My Mom looking through her purse. was getting fucked in the front seat," Sarah told him, seeing his "Leave that that to me," Jason said, "Emily and I will set things up. Emily is very good at hiding things, aren't you babe?" âIâm sorry baby, I overreacted,â Kori tells me sadly. Again Rachel stands and washes her face rinses her mouth before I begin to kiss her. Rachel says. "You really must love me to kiss me right after that." I just smile and kiss her a few more times before I pull her into the living room. I set her as far away from the dining room as possible. She was standing on the fence rail on her side, putting her above me. Weather because, being my height, I was unused to people looking down on me, or because I felt particularly vulnerable with the situation, I climbed up on the fence rail on our side, bringing me close, and raising me above Sharon. Glancing casually down, I saw that my assumption was correct; she was on her tiptoes, bare ass to the world. âPleeeease fuck me Eddy, please, Iâm so wet and horny and waiting for you!â "Do you wanna come inside? You know, finish talking." âHere. Have a beer.â A couple passersby gave us odd glances as they walked past. "We shouldn't be talking about sex out here." I muttered as I continued walking forward. Chris followed, as did silence. âEveryone have an excellent first day and Ms. Stranger, I will see you in this weekend for your detention.â Slughorn said, throwing Hermioneâs skirt back over to her, which had been transfigured back to its original shortened size. Before leaving, Hermione looked back over her shoulder and saw Malfoy near the special cauldron Slughorn had used to make his love potion. Certain that Malfoy was up to no good and that the special cauldron was in fact one of the magical objects Harry had been sent back in time to find, Hermione hurried forwards back out the dungeons and up to the Great Hall to inform him of her discovery and Malfoyâs suspicious actions. "Oh shit!" He moaned. âWhatâs the matter? Havenât you seen a girl without her shirt on before?â She asked giggling. I had my fair share of experience but I wasnât used to a girl being this brazen. Her hips were really bucking now, and suddenly her whole body went stiff and then she started trembling. Ian continued to suck harder his fingers wet now with her juices that were pouring out of her pussy. Sally finally pushed him away! âOh godâŠâŠâŠâŠâŠâŠ..that isâŠâŠâŠâŠâŠâŠâŠoh god!â Was all she could say between panting for air. âYeah; this afternoon with Andy. We had a Coke.â âOh, damn, girl. Come in heâah and let me see you precious thang.â âThatâs one,â I said. âWant to know how many are left?â "Well, I don't really know what to say about that, just that I hope it works out for the two of you." âTake your cocks out of your pants and let me see them,â Matty says standing beside me. Read 786306 times â. . . o-o-h-h-h . . . â she squeaked. I tried to pull myself back out, but her asshole had me clamped inside her in such a way that Iâd have to force the muscles to accompany me, if I was to successfully remove myself. I knew that Gracie had at least a little crush on me. Every time she spoke to me she would be a constant stream of flirty little comments and big bright smiles, and she would laugh at literally anything I said. Today however, something was different. As I look back on it now I would say that, as she swam up to me, the look on her face seemed to be a mixture of awe and pure lust, knowing what she thought she knew at the moment. I didnât recognize it as that at the time. Then she spoke. "Play for me, Yank." she said, that sweet voice filling the air. We decided to do one last song. "She's A Sensation, it is!" AJ shouted. "ONETWOTHREEFOUR!!" as I played, I didn't play for that crowd. Sandra is a 5'8" blonde that has long curly blonde hair. Her tall frame carries her 135 pounds well and shows off her shapely hips and ass while her 36C tits are the focus of many mens attention. She married as a 20 year old virgin and has only known her husbandâs 7" cock. "Carrie's at least at wild as you," I said. That got her attention. Hannah looked at me, confused. Underneath she was wearing only a white Brazilian thong, like the one I had seen before. Her soft pale B-cup boobs rose and pulled together as her hands stretched high above her. She had puffy pink areola and soft pink nipples. Iâd studied them at a distance when she sun-baked topless with Marcus, but this was the closest Iâd seen them. Her boobs were cute rather than womanly. Often Dana would come over to my computer and ask me stuff about what and how we did the stuff we were doing in class. I'm pretty smart in that class, and i guess you could say im the go-to guy. Well, this day she came over and leaned over my shoulder like she usually did. I quickly tried to cover up and scrambled around. She asked me some question but I felt myself turning red and just said "I dunno." The others cheered for her. The house was dark besides one small light coming from the living room TV and another coming from my mom's bed room. I heard music coming from her room as well. I started to walk toward her room. Memories from this morning felt like they had been years old yet still vivd. What was i going to say? One evening Carrie starting to flirt with me. Since I had broken up with Dottie around 3 months earlier, I was quite available. We followed her around the side of the salad bar where there were two big tables near the window. We pushed them together and everybody took a seat, all the adults on one side and all the kids squishing together on the other side so we didnât have to sit on the adult side. It was too tight of a fit so Ashley went and sat next to her dad to even it out. I was in between the wall and Rita, who was already starting to get touchy feely under the table since no one could see us. Denise had a mountain of menus in her little arms when she came back to the table. Ino let out Narutoâs cock from her mouth; she stuck out her tongue full length and lovingly slid Naruto back inside her. All the way she ran her tongue down Narutoâs cock and was able to take in all eight inches of Naruto. âWhatâs going on?â Laura says coming out of the classroom. timing and location for use of the device. It had been a lot simpler in She got out of the car on the driver's side, and for a moment âI guess Iâm a little over dressed for the partyâ I said, taking off my boxers. "AAhh, STOP! that hurts!!!!" âReally?â she sniffed, eyes brightening. âYouâre quite good for a first time kisserâ Naomi encouraged. We were having the âhave you ever had a boyfriend girlfriendâ heart-opening discussion on her bed. Naomi was laying half on me, her head on my chest, her hands playing with the buttons on my shirt. I nodded my head and parted my plush red lips apart allowing my twin brother 9-inch-long cock to slowly slide in between them, and God did his cock tasted so fucking good, I felted the edge of his tip hit the back of my throat as I clamp the muscles in my mouth down tightly around his now throbbing cock and slowly started bobbing my head up and down his cock. I let out a muffled moan when I felt him place his two hands on the side of my head putting pressure on the top of my head causing his cock to be pushed farther down onto it. Bed time eventually came though and progressed just like the previous nights. Juliana was already in bed when Newlyn came in with the washcloth hidden away within reach. Tonight would be a bit different though. There would be no sleeping and hoping to wake spooning again. He had already gambled that and come out on top. Now it was time to take control. Instead of attempting to sleep Newlyn simply tried to relax and wait. She bicycled her legs. "Oh, yes! Oh, yes! 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