Straight White Guys: It's not racist. The reason why most characters are straight white guys is it's a business. They just want to do what makes the most money. No one's being racist or sexist. It's just smart business.
Straight White Guys: Having a Black Captain America or Pakistani Ms. Marvel or female Thor is PANDERING. All they're trying to do is get MONEY from you. It's just a marketing ploy! This is horrible!
Dear wise OTW, how do adults handle debt? It is my understanding that debt never goes away and consistently haunts basically everyone. Yet I look around and see well-adjusted adults who are not curled up in the fetal position and crying about the money they owe. In fact, they seem to spend comfortably as if the debt is not an issue. Is it the magic of budgeting or simply resigning oneself to the hell that is capitalism?

oh-thats-wanky:

I think most people living in economically developed countries are sitting on more debt than they let on. A cursory search reveals some sobering numbers. (The average American household owes seven thousand dollars in credit card debt? JFC.)

So the perception of adults handling debt is different than the reality of adults having debt which is different from the way adults should handle debt. I’m going to speak to the last item, because financial security is a subject very dear to my heart.

Adults should handle debt by avoiding it at all costs. If you can’t afford something with the money you have in the bank right now, you can’t afford it. I can only see a few possible exceptions: taking on student loans to pay for an education in a field that will guarantee you higher earnings than what you’d be making otherwise, loans with low interest rates (less than 3.5 percent), and loans that would mean the difference between life and death (medical bills).

But OTW, I’m already in debt. Am I doomed?

No. But there’s also no magic cure for debt. (Filing bankruptcy doesn’t count.) You’re going to have to work to eliminate that debt, and work hard.

For people who are new to budgeting, I think the debt snowball method is the best way to start chipping away at those loan balances. However, it’s mathematically more efficient to pay off the loans with the highest interest rates first, but that requires more discipline.

A couple of notable programs for those in the US with student loans are the public service loan forgiveness program and Americorps.

Again, the best way to handle debt is to not get into it in the first place. If you don’t have debt, it’s far easier to cope when life throws you an inevitable curveball like unexpected medical expenses, or a layoff, or an accident, and I don’t know about you guys, but I don’t have the luxury of rich parents who can bail me out when the going gets tough.

My point isn’t to scare anyone, but I’m also not going to mince words here: a big part of being an adult is learning how to handle your fucking money.

And besides, I find financial stability dead sexy on a woman.

heya-addicted:

Family selfie. 

heya-addicted:

Family selfie. 

dating a lit nerd
Roch: we can't walk under that tree at night
Kara: why?
Roch: it makes me feel like Scout in a ham costume
Kara: that's fine *steps into the street with me*

marimbazn:

god bless people who talk to you first they deserve the world

Heather Morris and longtime boyfriend Taylor Hubbell are getting hitched!

Star can reveal that the parents of 11-month-old son Elijah are planning a ceremony for next February at the Mountain Mermaid Inn in Topanga Calif. “They are on cloud nine,” a pal gushes.

After getting pregnant, the Glee star opted not to return to the hit Fox show for Season 5. However, she made an appearance in its 100th episode, which aired in two parts, on March 18 and 25, 2014.

moistflow:

teacher: alright, since no one is raising their hands i’m gonna pick people

me:image

lilysinthefall:


A UFO caught on tape!!!!!!!!!!!!!!

get out

lilysinthefall:

A UFO caught on tape!!!!!!!!!!!!!!

get out

rollingbug:

Brittana in songs